Home > First Pioneer National Bank > Performance and Condition Ratios
First Pioneer National 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 | 3.7766% | 4,209 |
| Cost of funding earning assets | 1.2202% | 2,750 |
| Net interest margin | 2.5565% | 4,026 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.7030% | 4,133 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7728% | 2,971 |
| Return on assets (ROA) | 0.7728% | 2,945 |
| Pretax return on assets | 0.9347% | 2,862 |
| Return on Equity (ROE) | 8.3700% | 2,926 |
| Retained earnings to average equity (ytd only) | -0.2460% | 4,116 |
| Net charge-offs to loans | 0.0261% | 1,798 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 79.3929% | 1,026 |
| Efficiency ratio | 64.5624% | 2,537 |
| Assets per employee ($millions) | 9.6802% | 775 |
| Cash dividends to net income (ytd only)* | 102.9380% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 1,596 |
| Loan loss allowance to noncurrent loans | 41.7049% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.5318% | 242 |
| Noncurrent loans to loans | 3.2224% | 131 |
| Net loans and leases to total assets | 46.9000% | 3,779 |
| Net loans and leases to deposits | 57.2979% | 3,658 |
| Net loans and leases to core deposits | 64.8895% | 3,548 |
| Total domestic deposits to total assets | 81.8500% | 3,155 |
| Equity capital to assets | 9.8007% | 2,122 |
| Core capital (leverage) ratio | 12.0464% | 1,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $237,822,000 | 2,751 |
| Average earning assets | $227,346,000 | 2,702 |
| Average equity | $21,949,000 | 2,701 |
| Average total loans | $107,234,200 | 3,103 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7316% | 4,175 |
| Cost of funding earning assets | 1.0372% | 2,933 |
| Net interest margin | 2.6944% | 3,887 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.6842% | 4,147 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8959% | 2,693 |
| Return on assets (ROA) | 0.8959% | 2,680 |
| Pretax return on assets | 1.0930% | 2,584 |
| Return on Equity (ROE) | 9.8600% | 2,675 |
| Retained earnings to average equity (ytd only) | -0.3038% | 4,182 |
| Net charge-offs to loans | 0.0279% | 1,515 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 88.2273% | 987 |
| Efficiency ratio | 60.6448% | 2,895 |
| Assets per employee ($millions) | 9.1065% | 893 |
| Cash dividends to net income (ytd only)* | 103.0798% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 1,350 |
| Loan loss allowance to noncurrent loans | 41.8667% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.5657% | 234 |
| Noncurrent loans to loans | 3.4025% | 110 |
| Net loans and leases to total assets | 45.3600% | 3,859 |
| Net loans and leases to deposits | 55.4815% | 3,735 |
| Net loans and leases to core deposits | 64.4971% | 3,504 |
| Total domestic deposits to total assets | 81.7500% | 3,263 |
| Equity capital to assets | 8.6586% | 2,625 |
| Core capital (leverage) ratio | 12.4165% | 1,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $236,776,500 | 2,767 |
| Average earning assets | $226,244,250 | 2,716 |
| Average equity | $21,506,750 | 2,722 |
| Average total loans | $105,283,500 | 3,121 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7417% | 4,093 |
| Cost of funding earning assets | 0.8564% | 3,056 |
| Net interest margin | 2.8853% | 3,671 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.6657% | 4,190 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0280% | 2,324 |
| Return on assets (ROA) | 1.0280% | 2,321 |
| Pretax return on assets | 1.2645% | 2,177 |
| Return on Equity (ROE) | 11.1400% | 2,383 |
| Retained earnings to average equity (ytd only) | -1.5749% | 4,261 |
| Net charge-offs to loans | 0.0115% | 1,765 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 249.5000% | 509 |
| Efficiency ratio | 56.8464% | 3,317 |
| Assets per employee ($millions) | 8.2718% | 1,201 |
| Cash dividends to net income (ytd only)* | 114.1331% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5015% | 1,174 |
| Loan loss allowance to noncurrent loans | 42.6319% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.5880% | 216 |
| Noncurrent loans to loans | 3.5221% | 109 |
| Net loans and leases to total assets | 44.4100% | 3,863 |
| Net loans and leases to deposits | 52.3770% | 3,823 |
| Net loans and leases to core deposits | 59.6666% | 3,652 |
| Total domestic deposits to total assets | 84.7900% | 2,599 |
| Equity capital to assets | 9.4008% | 2,231 |
| Core capital (leverage) ratio | 12.0300% | 1,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $236,778,667 | 2,775 |
| Average earning assets | $227,224,000 | 2,718 |
| Average equity | $21,842,000 | 2,710 |
| Average total loans | $104,062,000 | 3,130 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4356% | 4,340 |
| Cost of funding earning assets | 0.6704% | 3,151 |
| Net interest margin | 2.7652% | 3,995 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.6343% | 4,262 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9809% | 2,591 |
| Return on assets (ROA) | 0.9809% | 2,563 |
| Pretax return on assets | 1.1781% | 2,484 |
| Return on Equity (ROE) | 10.7300% | 2,568 |
| Retained earnings to average equity (ytd only) | -10.0565% | 4,476 |
| Net charge-offs to loans | 0.0039% | 1,849 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 705.0000% | 166 |
| Efficiency ratio | 58.1105% | 3,183 |
| Assets per employee ($millions) | 9.1838% | 878 |
| Cash dividends to net income (ytd only)* | 193.6968% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 1,123 |
| Loan loss allowance to noncurrent loans | 42.9312% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.5345% | 209 |
| Noncurrent loans to loans | 3.6076% | 108 |
| Net loans and leases to total assets | 41.8800% | 3,957 |
| Net loans and leases to deposits | 48.3317% | 3,948 |
| Net loans and leases to core deposits | 54.6268% | 3,809 |
| Total domestic deposits to total assets | 86.6400% | 2,394 |
| Equity capital to assets | 9.3581% | 2,252 |
| Core capital (leverage) ratio | 11.8391% | 1,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $239,363,500 | 2,798 |
| Average earning assets | $229,715,500 | 2,737 |
| Average equity | $21,876,500 | 2,729 |
| Average total loans | $103,880,000 | 3,164 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0285% | 4,100 |
| Cost of funding earning assets | 0.3445% | 2,523 |
| Net interest margin | 2.6840% | 4,077 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.6036% | 4,302 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9542% | 2,748 |
| Return on assets (ROA) | 0.9542% | 2,699 |
| Pretax return on assets | 1.1486% | 2,611 |
| Return on Equity (ROE) | 9.9700% | 2,818 |
| Retained earnings to average equity (ytd only) | 4.6760% | 3,184 |
| Net charge-offs to loans | 0.0028% | 2,396 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 928.0000% | 189 |
| Efficiency ratio | 58.2671% | 3,304 |
| Assets per employee ($millions) | 9.9979% | 674 |
| Cash dividends to net income (ytd only)* | 53.0912% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 1,250 |
| Loan loss allowance to noncurrent loans | 42.9585% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.5270% | 201 |
| Noncurrent loans to loans | 3.4502% | 112 |
| Net loans and leases to total assets | 43.6000% | 3,912 |
| Net loans and leases to deposits | 50.7381% | 3,867 |
| Net loans and leases to core deposits | 57.2299% | 3,659 |
| Total domestic deposits to total assets | 85.9300% | 2,751 |
| Equity capital to assets | 8.9219% | 2,405 |
| Core capital (leverage) ratio | 12.3054% | 1,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $242,390,200 | 2,770 |
| Average earning assets | $230,511,400 | 2,729 |
| Average equity | $23,203,400 | 2,686 |
| Average total loans | $107,076,600 | 3,056 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9354% | 4,007 |
| Cost of funding earning assets | 0.3104% | 2,060 |
| Net interest margin | 2.6250% | 4,064 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.5698% | 4,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9421% | 2,697 |
| Return on assets (ROA) | 0.9421% | 2,662 |
| Pretax return on assets | 1.1358% | 2,610 |
| Return on Equity (ROE) | 9.6800% | 2,819 |
| Retained earnings to average equity (ytd only) | 4.4871% | 3,292 |
| Net charge-offs to loans | 0.0037% | 2,081 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 690.0000% | 238 |
| Efficiency ratio | 58.0207% | 3,380 |
| Assets per employee ($millions) | 9.8944% | 679 |
| Cash dividends to net income (ytd only)* | 53.6401% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 1,283 |
| Loan loss allowance to noncurrent loans | 43.2536% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.5324% | 217 |
| Noncurrent loans to loans | 3.4721% | 123 |
| Net loans and leases to total assets | 43.4700% | 3,909 |
| Net loans and leases to deposits | 52.3186% | 3,711 |
| Net loans and leases to core deposits | 56.6433% | 3,587 |
| Total domestic deposits to total assets | 83.0900% | 3,676 |
| Equity capital to assets | 8.3991% | 2,606 |
| Core capital (leverage) ratio | 11.7402% | 1,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $243,000,500 | 2,791 |
| Average earning assets | $230,646,000 | 2,754 |
| Average equity | $23,652,250 | 2,700 |
| Average total loans | $107,296,750 | 3,065 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8059% | 3,963 |
| Cost of funding earning assets | 0.2957% | 1,757 |
| Net interest margin | 2.5101% | 4,076 |
| Noninterest income to average assets | 0.1585% | 4,225 |
| Noninterest expense to average assets | 1.5446% | 4,362 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8226% | 2,875 |
| Return on assets (ROA) | 0.8226% | 2,848 |
| Pretax return on assets | 0.9851% | 2,783 |
| Return on Equity (ROE) | 8.0923% | 2,994 |
| Retained earnings to average equity (ytd only) | 3.1581% | 3,393 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0591% | 3,174 |
| Assets per employee ($millions) | 10.6680% | 543 |
| Cash dividends to net income (ytd only)* | 60.9732% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 1,303 |
| Loan loss allowance to noncurrent loans | 43.3599% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.4823% | 242 |
| Noncurrent loans to loans | 3.5491% | 119 |
| Net loans and leases to total assets | 41.1230% | 4,026 |
| Net loans and leases to deposits | 47.4183% | 3,955 |
| Net loans and leases to core deposits | 51.0901% | 3,871 |
| Total domestic deposits to total assets | 86.7238% | 3,030 |
| Equity capital to assets | 9.1745% | 2,259 |
| Core capital (leverage) ratio | 11.3215% | 1,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,845,333 | 2,799 |
| Average earning assets | $231,302,000 | 2,785 |
| Average equity | $24,888,000 | 2,687 |
| Average total loans | $108,126,667 | 3,091 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7697% | 3,806 |
| Cost of funding earning assets | 0.2943% | 1,705 |
| Net interest margin | 2.4754% | 3,945 |
| Noninterest income to average assets | 0.1537% | 4,231 |
| Noninterest expense to average assets | 1.5471% | 4,368 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7637% | 2,799 |
| Return on assets (ROA) | 0.7637% | 2,790 |
| Pretax return on assets | 0.9175% | 2,711 |
| Return on Equity (ROE) | 7.1635% | 2,990 |
| Retained earnings to average equity (ytd only) | 2.4543% | 3,421 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7737% | 3,169 |
| Assets per employee ($millions) | 10.3266% | 628 |
| Cash dividends to net income (ytd only)* | 65.7388% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 1,640 |
| Loan loss allowance to noncurrent loans | 43.3957% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.4663% | 250 |
| Noncurrent loans to loans | 3.3949% | 136 |
| Net loans and leases to total assets | 42.5540% | 3,845 |
| Net loans and leases to deposits | 49.4493% | 3,776 |
| Net loans and leases to core deposits | 53.1661% | 3,653 |
| Total domestic deposits to total assets | 86.0558% | 3,241 |
| Equity capital to assets | 9.8294% | 2,027 |
| Core capital (leverage) ratio | 11.3021% | 1,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,586,000 | 2,814 |
| Average earning assets | $228,325,000 | 2,826 |
| Average equity | $26,076,500 | 2,713 |
| Average total loans | $110,951,000 | 3,049 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2110% | 3,449 |
| Cost of funding earning assets | 0.3475% | 1,954 |
| Net interest margin | 2.8634% | 3,526 |
| Noninterest income to average assets | 0.1739% | 4,285 |
| Noninterest expense to average assets | 1.6927% | 4,305 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9687% | 2,803 |
| Return on assets (ROA) | 0.9687% | 2,862 |
| Pretax return on assets | 1.1847% | 2,715 |
| Return on Equity (ROE) | 8.1257% | 3,184 |
| Retained earnings to average equity (ytd only) | 3.7357% | 3,323 |
| Net charge-offs to loans | 0.0454% | 1,379 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 54.5098% | 1,247 |
| Efficiency ratio | 58.8270% | 3,311 |
| Assets per employee ($millions) | 9.6534% | 743 |
| Cash dividends to net income (ytd only)* | 54.0255% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3730% | 2,032 |
| Loan loss allowance to noncurrent loans | 43.3718% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.5066% | 277 |
| Noncurrent loans to loans | 3.1656% | 178 |
| Net loans and leases to total assets | 46.9403% | 3,607 |
| Net loans and leases to deposits | 55.5186% | 3,467 |
| Net loans and leases to core deposits | 59.6019% | 3,338 |
| Total domestic deposits to total assets | 84.5488% | 3,413 |
| Equity capital to assets | 11.5160% | 1,505 |
| Core capital (leverage) ratio | 11.6418% | 1,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,652,600 | 2,820 |
| Average earning assets | $221,552,000 | 2,801 |
| Average equity | $27,973,000 | 2,652 |
| Average total loans | $112,318,400 | 3,039 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3490% | 3,252 |
| Cost of funding earning assets | 0.3603% | 2,016 |
| Net interest margin | 2.9887% | 3,336 |
| Noninterest income to average assets | 0.1723% | 4,346 |
| Noninterest expense to average assets | 1.7025% | 4,324 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0450% | 2,746 |
| Return on assets (ROA) | 1.0450% | 2,812 |
| Pretax return on assets | 1.2848% | 2,662 |
| Return on Equity (ROE) | 8.6894% | 3,201 |
| Retained earnings to average equity (ytd only) | 4.3066% | 3,477 |
| Net charge-offs to loans | 0.0382% | 1,324 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 70.1563% | 1,064 |
| Efficiency ratio | 56.9923% | 3,415 |
| Assets per employee ($millions) | 9.7259% | 705 |
| Cash dividends to net income (ytd only)* | 50.4381% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 1,878 |
| Loan loss allowance to noncurrent loans | 43.6662% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 1.5658% | 310 |
| Noncurrent loans to loans | 3.2806% | 183 |
| Net loans and leases to total assets | 47.0457% | 3,711 |
| Net loans and leases to deposits | 55.9672% | 3,580 |
| Net loans and leases to core deposits | 60.4033% | 3,447 |
| Total domestic deposits to total assets | 84.0593% | 3,444 |
| Equity capital to assets | 12.0404% | 1,382 |
| Core capital (leverage) ratio | 11.5969% | 1,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,982,250 | 2,860 |
| Average earning assets | $219,441,000 | 2,840 |
| Average equity | $28,018,250 | 2,681 |
| Average total loans | $111,683,000 | 3,092 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6205% | 2,559 |
| Cost of funding earning assets | 0.3722% | 2,112 |
| Net interest margin | 3.2482% | 2,611 |
| Noninterest income to average assets | 0.1744% | 4,334 |
| Noninterest expense to average assets | 1.6887% | 4,373 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2292% | 2,083 |
| Return on assets (ROA) | 1.2292% | 2,149 |
| Pretax return on assets | 1.5290% | 1,926 |
| Return on Equity (ROE) | 10.2253% | 2,669 |
| Retained earnings to average equity (ytd only) | 5.8379% | 2,879 |
| Net charge-offs to loans | 0.0573% | 1,041 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 55.6250% | 1,010 |
| Efficiency ratio | 52.4826% | 3,990 |
| Assets per employee ($millions) | 9.5041% | 713 |
| Cash dividends to net income (ytd only)* | 42.9071% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 1,743 |
| Loan loss allowance to noncurrent loans | 43.9185% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.5294% | 363 |
| Noncurrent loans to loans | 3.3139% | 198 |
| Net loans and leases to total assets | 45.4805% | 3,939 |
| Net loans and leases to deposits | 53.8235% | 3,865 |
| Net loans and leases to core deposits | 58.3935% | 3,737 |
| Total domestic deposits to total assets | 84.4994% | 3,282 |
| Equity capital to assets | 11.8904% | 1,422 |
| Core capital (leverage) ratio | 11.3002% | 1,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,835,667 | 2,863 |
| Average earning assets | $218,148,333 | 2,842 |
| Average equity | $27,989,333 | 2,674 |
| Average total loans | $111,773,667 | 3,103 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8962% | 1,836 |
| Cost of funding earning assets | 0.3876% | 2,197 |
| Net interest margin | 3.5087% | 1,802 |
| Noninterest income to average assets | 0.1909% | 4,242 |
| Noninterest expense to average assets | 1.7114% | 4,358 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3712% | 1,631 |
| Return on assets (ROA) | 1.3712% | 1,717 |
| Pretax return on assets | 1.7166% | 1,453 |
| Return on Equity (ROE) | 11.3432% | 2,252 |
| Retained earnings to average equity (ytd only) | 6.9352% | 2,594 |
| Net charge-offs to loans | 0.0213% | 1,312 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 164.8333% | 459 |
| Efficiency ratio | 49.9241% | 4,188 |
| Assets per employee ($millions) | 10.4223% | 526 |
| Cash dividends to net income (ytd only)* | 38.8608% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 1,817 |
| Loan loss allowance to noncurrent loans | 901.1111% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 3,832 |
| Noncurrent loans to loans | 0.1596% | 3,538 |
| Net loans and leases to total assets | 46.3867% | 3,935 |
| Net loans and leases to deposits | 54.7281% | 3,890 |
| Net loans and leases to core deposits | 59.8637% | 3,707 |
| Total domestic deposits to total assets | 84.7584% | 3,202 |
| Equity capital to assets | 11.5847% | 1,489 |
| Core capital (leverage) ratio | 11.7345% | 1,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $230,452,000 | 2,863 |
| Average earning assets | $212,616,500 | 2,872 |
| Average equity | $27,858,000 | 2,679 |
| Average total loans | $112,831,000 | 3,088 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6920% | 3,590 |
| Cost of funding earning assets | 0.4901% | 3,009 |
| Net interest margin | 3.2020% | 3,361 |
| Noninterest income to average assets | 0.1863% | 4,359 |
| Noninterest expense to average assets | 1.8098% | 4,455 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1600% | 1,687 |
| Return on assets (ROA) | 1.1600% | 1,804 |
| Pretax return on assets | 1.4210% | 1,593 |
| Return on Equity (ROE) | 8.5254% | 2,586 |
| Retained earnings to average equity (ytd only) | 1.6762% | 3,962 |
| Net charge-offs to loans | 0.0026% | 3,296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 963.6667% | 122 |
| Efficiency ratio | 56.0170% | 3,985 |
| Assets per employee ($millions) | 9.6170% | 596 |
| Cash dividends to net income (ytd only)* | 80.3390% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 1,805 |
| Loan loss allowance to noncurrent loans | 14,800.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 4,433 |
| Noncurrent loans to loans | 0.0097% | 4,342 |
| Net loans and leases to total assets | 50.2810% | 3,806 |
| Net loans and leases to deposits | 60.1335% | 3,751 |
| Net loans and leases to core deposits | 66.0877% | 3,533 |
| Total domestic deposits to total assets | 83.6155% | 3,234 |
| Equity capital to assets | 12.6343% | 1,261 |
| Core capital (leverage) ratio | 12.2163% | 1,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4380% | 632 |
| Memoranda: | ||
| Average total assets | $203,443,400 | 2,911 |
| Average earning assets | $193,444,600 | 2,879 |
| Average equity | $27,682,000 | 2,624 |
| Average total loans | $114,995,000 | 3,033 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8545% | 3,402 |
| Cost of funding earning assets | 0.5108% | 3,157 |
| Net interest margin | 3.3437% | 3,058 |
| Noninterest income to average assets | 0.1789% | 4,397 |
| Noninterest expense to average assets | 1.8123% | 4,473 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2555% | 1,465 |
| Return on assets (ROA) | 1.2555% | 1,583 |
| Pretax return on assets | 1.5463% | 1,338 |
| Return on Equity (ROE) | 9.0477% | 2,378 |
| Retained earnings to average equity (ytd only) | 4.6011% | 2,743 |
| Net charge-offs to loans | 0.0035% | 3,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 769.3333% | 156 |
| Efficiency ratio | 53.9597% | 4,153 |
| Assets per employee ($millions) | 9.2880% | 638 |
| Cash dividends to net income (ytd only)* | 49.1462% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 1,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 52.5388% | 3,927 |
| Net loans and leases to deposits | 63.6838% | 3,815 |
| Net loans and leases to core deposits | 70.0104% | 3,626 |
| Total domestic deposits to total assets | 82.4995% | 3,285 |
| Equity capital to assets | 13.2804% | 1,075 |
| Core capital (leverage) ratio | 12.8271% | 995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6055% | 542 |
| Memoranda: | ||
| Average total assets | $199,006,500 | 2,933 |
| Average earning assets | $189,244,250 | 2,899 |
| Average equity | $27,616,000 | 2,614 |
| Average total loans | $115,532,500 | 3,035 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0567% | 3,171 |
| Cost of funding earning assets | 0.5273% | 3,367 |
| Net interest margin | 3.5294% | 2,702 |
| Noninterest income to average assets | 0.1731% | 4,425 |
| Noninterest expense to average assets | 1.8328% | 4,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3815% | 1,152 |
| Return on assets (ROA) | 1.3815% | 1,246 |
| Pretax return on assets | 1.7122% | 976 |
| Return on Equity (ROE) | 9.8010% | 2,047 |
| Retained earnings to average equity (ytd only) | 5.3134% | 2,343 |
| Net charge-offs to loans | 0.0052% | 2,779 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 554.0000% | 186 |
| Efficiency ratio | 51.7001% | 4,381 |
| Assets per employee ($millions) | 9.1757% | 646 |
| Cash dividends to net income (ytd only)* | 45.7867% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4131% | 1,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 53.8187% | 3,889 |
| Net loans and leases to deposits | 65.1938% | 3,792 |
| Net loans and leases to core deposits | 72.2887% | 3,575 |
| Total domestic deposits to total assets | 82.5518% | 3,219 |
| Equity capital to assets | 13.2997% | 1,038 |
| Core capital (leverage) ratio | 13.1357% | 962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4819% | 541 |
| Memoranda: | ||
| Average total assets | $194,134,333 | 2,953 |
| Average earning assets | $185,468,667 | 2,909 |
| Average equity | $27,364,667 | 2,620 |
| Average total loans | $116,089,000 | 3,023 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1153% | 3,484 |
| Cost of funding earning assets | 0.5622% | 3,633 |
| Net interest margin | 3.5531% | 2,810 |
| Noninterest income to average assets | 0.1874% | 4,427 |
| Noninterest expense to average assets | 1.9237% | 4,517 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3507% | 1,104 |
| Return on assets (ROA) | 1.3507% | 1,187 |
| Pretax return on assets | 1.6674% | 915 |
| Return on Equity (ROE) | 9.2844% | 2,002 |
| Retained earnings to average equity (ytd only) | 4.7385% | 2,397 |
| Net charge-offs to loans | 0.0103% | 2,206 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 258.0000% | 270 |
| Efficiency ratio | 53.5693% | 4,425 |
| Assets per employee ($millions) | 7.9123% | 761 |
| Cash dividends to net income (ytd only)* | 48.9633% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 1,527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 58.3157% | 3,645 |
| Net loans and leases to deposits | 71.8919% | 3,433 |
| Net loans and leases to core deposits | 79.8284% | 3,213 |
| Total domestic deposits to total assets | 81.1158% | 3,636 |
| Equity capital to assets | 14.3843% | 929 |
| Core capital (leverage) ratio | 14.2392% | 850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9929% | 642 |
| Memoranda: | ||
| Average total assets | $185,680,500 | 3,001 |
| Average earning assets | $177,874,500 | 2,940 |
| Average equity | $27,013,000 | 2,639 |
| Average total loans | $116,529,500 | 2,992 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2884% | 3,566 |
| Cost of funding earning assets | 0.5427% | 3,910 |
| Net interest margin | 3.7456% | 2,673 |
| Noninterest income to average assets | 0.2121% | 4,403 |
| Noninterest expense to average assets | 2.0154% | 4,509 |
| Loan and lease loss provision to assets | 0.0281% | 3,455 |
| Net operating income to assets | 1.4255% | 1,257 |
| Return on assets (ROA) | 1.4318% | 1,305 |
| Pretax return on assets | 1.7623% | 1,042 |
| Return on Equity (ROE) | 9.9086% | 2,338 |
| Retained earnings to average equity (ytd only) | 5.1407% | 2,347 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0654% | 4,513 |
| Assets per employee ($millions) | 7.5611% | 840 |
| Cash dividends to net income (ytd only)* | 48.1191% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 1,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 65.6108% | 3,000 |
| Net loans and leases to deposits | 81.3087% | 2,636 |
| Net loans and leases to core deposits | 88.9930% | 2,515 |
| Total domestic deposits to total assets | 80.6935% | 3,834 |
| Equity capital to assets | 14.7195% | 865 |
| Core capital (leverage) ratio | 14.5261% | 795 |
| Tier 1 risk-based capital ratio | 19.5547% | 1,401 |
| Total risk-based capital ratio | 20.7774% | 1,370 |
| Memoranda: | ||
| Average total assets | $178,231,000 | 3,038 |
| Average earning assets | $170,624,600 | 2,975 |
| Average equity | $25,755,400 | 2,657 |
| Average total loans | $114,319,800 | 3,018 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2500% | 3,807 |
| Cost of funding earning assets | 0.5239% | 4,054 |
| Net interest margin | 3.7261% | 2,835 |
| Noninterest income to average assets | 0.2029% | 4,503 |
| Noninterest expense to average assets | 2.0192% | 4,514 |
| Loan and lease loss provision to assets | 0.0090% | 3,712 |
| Net operating income to assets | 1.4275% | 1,393 |
| Return on assets (ROA) | 1.4361% | 1,423 |
| Pretax return on assets | 1.7555% | 1,192 |
| Return on Equity (ROE) | 9.9855% | 2,437 |
| Retained earnings to average equity (ytd only) | 5.1730% | 2,807 |
| Net charge-offs to loans | -0.0035% | 4,134 |
| Credit loss provision to net charge-offs | -400.0000% | 4,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5152% | 4,445 |
| Assets per employee ($millions) | 7.4889% | 843 |
| Cash dividends to net income (ytd only)* | 48.1946% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 1,791 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 65.2464% | 3,152 |
| Net loans and leases to deposits | 83.2174% | 2,542 |
| Net loans and leases to core deposits | 91.3844% | 2,425 |
| Total domestic deposits to total assets | 78.4048% | 4,286 |
| Equity capital to assets | 14.6772% | 934 |
| Core capital (leverage) ratio | 14.6011% | 835 |
| Tier 1 risk-based capital ratio | 19.5267% | 1,456 |
| Total risk-based capital ratio | 20.7369% | 1,433 |
| Memoranda: | ||
| Average total assets | $177,422,000 | 3,074 |
| Average earning assets | $170,004,750 | 3,010 |
| Average equity | $25,516,500 | 2,683 |
| Average total loans | $112,726,500 | 3,077 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 3,939 |
| Cost of funding earning assets | 0.4946% | 4,137 |
| Net interest margin | 3.7007% | 2,928 |
| Noninterest income to average assets | 0.2910% | 3,996 |
| Noninterest expense to average assets | 2.1240% | 4,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4066% | 1,420 |
| Return on assets (ROA) | 1.4084% | 1,469 |
| Pretax return on assets | 1.7186% | 1,236 |
| Return on Equity (ROE) | 9.8618% | 2,455 |
| Retained earnings to average equity (ytd only) | 4.9943% | 2,775 |
| Net charge-offs to loans | -0.0036% | 4,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3066% | 4,336 |
| Assets per employee ($millions) | 7.2678% | 894 |
| Cash dividends to net income (ytd only)* | 49.3569% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 1,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 64.0325% | 3,338 |
| Net loans and leases to deposits | 77.2198% | 3,225 |
| Net loans and leases to core deposits | 84.7620% | 3,055 |
| Total domestic deposits to total assets | 82.9224% | 3,225 |
| Equity capital to assets | 14.8630% | 853 |
| Core capital (leverage) ratio | 14.4391% | 844 |
| Tier 1 risk-based capital ratio | 20.0410% | 1,346 |
| Total risk-based capital ratio | 21.2904% | 1,316 |
| Memoranda: | ||
| Average total assets | $176,651,330 | 3,093 |
| Average earning assets | $169,429,000 | 3,028 |
| Average equity | $25,228,670 | 2,697 |
| Average total loans | $110,680,000 | 3,123 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1100% | 4,096 |
| Cost of funding earning assets | 0.4805% | 4,150 |
| Net interest margin | 3.6295% | 3,137 |
| Noninterest income to average assets | 0.2948% | 3,907 |
| Noninterest expense to average assets | 2.0904% | 4,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3704% | 1,456 |
| Return on assets (ROA) | 1.3704% | 1,497 |
| Pretax return on assets | 1.6719% | 1,281 |
| Return on Equity (ROE) | 9.7908% | 2,454 |
| Retained earnings to average equity (ytd only) | 4.8552% | 2,970 |
| Net charge-offs to loans | -0.0037% | 3,952 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5622% | 4,385 |
| Assets per employee ($millions) | 6.7821% | 1,097 |
| Cash dividends to net income (ytd only)* | 50.4105% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 1,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 59.5781% | 3,747 |
| Net loans and leases to deposits | 70.9686% | 3,692 |
| Net loans and leases to core deposits | 76.7047% | 3,616 |
| Total domestic deposits to total assets | 83.9499% | 3,063 |
| Equity capital to assets | 14.3131% | 935 |
| Core capital (leverage) ratio | 14.1280% | 917 |
| Tier 1 risk-based capital ratio | 20.6685% | 1,219 |
| Total risk-based capital ratio | 21.9195% | 1,195 |
| Memoranda: | ||
| Average total assets | $177,763,500 | 3,112 |
| Average earning assets | $169,829,000 | 3,056 |
| Average equity | $24,880,500 | 2,731 |
| Average total loans | $109,383,500 | 3,180 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9453% | 4,178 |
| Cost of funding earning assets | 0.4316% | 3,791 |
| Net interest margin | 3.5137% | 3,661 |
| Noninterest income to average assets | 0.2798% | 4,231 |
| Noninterest expense to average assets | 2.0518% | 4,647 |
| Loan and lease loss provision to assets | 0.0280% | 3,616 |
| Net operating income to assets | 1.2836% | 1,865 |
| Return on assets (ROA) | 1.2836% | 1,859 |
| Pretax return on assets | 1.5616% | 1,585 |
| Return on Equity (ROE) | 9.6626% | 2,658 |
| Retained earnings to average equity (ytd only) | 6.1244% | 2,133 |
| Net charge-offs to loans | 0.0172% | 3,110 |
| Credit loss provision to net charge-offs | 263.1579% | 1,139 |
| Earnings coverage of net charge-offs (x) | 149.5263% | 565 |
| Efficiency ratio | 56.3460% | 4,363 |
| Assets per employee ($millions) | 6.8920% | 1,023 |
| Cash dividends to net income (ytd only)* | 36.6173% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 1,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 61.6919% | 3,598 |
| Net loans and leases to deposits | 73.0064% | 3,586 |
| Net loans and leases to core deposits | 79.0519% | 3,497 |
| Total domestic deposits to total assets | 84.5021% | 2,835 |
| Equity capital to assets | 13.6848% | 1,074 |
| Core capital (leverage) ratio | 13.9094% | 946 |
| Tier 1 risk-based capital ratio | 19.6483% | 1,375 |
| Total risk-based capital ratio | 20.8981% | 1,343 |
| Memoranda: | ||
| Average total assets | $178,721,800 | 3,070 |
| Average earning assets | $170,988,000 | 3,013 |
| Average equity | $23,741,000 | 2,749 |
| Average total loans | $110,385,800 | 3,124 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8597% | 4,305 |
| Cost of funding earning assets | 0.4104% | 3,787 |
| Net interest margin | 3.4493% | 3,864 |
| Noninterest income to average assets | 0.2784% | 4,286 |
| Noninterest expense to average assets | 2.0447% | 4,658 |
| Loan and lease loss provision to assets | 0.0090% | 3,805 |
| Net operating income to assets | 1.2594% | 1,999 |
| Return on assets (ROA) | 1.2594% | 2,008 |
| Pretax return on assets | 1.5311% | 1,802 |
| Return on Equity (ROE) | 9.5528% | 2,818 |
| Retained earnings to average equity (ytd only) | 5.9854% | 2,667 |
| Net charge-offs to loans | 0.0243% | 2,648 |
| Credit loss provision to net charge-offs | 60.0000% | 2,746 |
| Earnings coverage of net charge-offs (x) | 103.1346% | 730 |
| Efficiency ratio | 57.0387% | 4,249 |
| Assets per employee ($millions) | 6.7360% | 1,058 |
| Cash dividends to net income (ytd only)* | 37.3444% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 1,871 |
| Loan loss allowance to noncurrent loans | 10,280.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 4,972 |
| Noncurrent loans to loans | 0.0132% | 4,859 |
| Net loans and leases to total assets | 64.2269% | 3,396 |
| Net loans and leases to deposits | 76.2135% | 3,398 |
| Net loans and leases to core deposits | 82.6913% | 3,277 |
| Total domestic deposits to total assets | 84.2723% | 2,863 |
| Equity capital to assets | 13.5968% | 1,104 |
| Core capital (leverage) ratio | 13.8342% | 985 |
| Tier 1 risk-based capital ratio | 19.1559% | 1,498 |
| Total risk-based capital ratio | 20.3683% | 1,483 |
| Memoranda: | ||
| Average total assets | $178,604,250 | 3,091 |
| Average earning assets | $171,202,000 | 3,037 |
| Average equity | $23,545,750 | 2,782 |
| Average total loans | $109,950,250 | 3,158 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7564% | 4,453 |
| Cost of funding earning assets | 0.3910% | 3,802 |
| Net interest margin | 3.3654% | 4,059 |
| Noninterest income to average assets | 0.2804% | 4,309 |
| Noninterest expense to average assets | 2.0127% | 4,777 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2294% | 2,064 |
| Return on assets (ROA) | 1.2294% | 2,061 |
| Pretax return on assets | 1.4953% | 1,831 |
| Return on Equity (ROE) | 9.4216% | 2,844 |
| Retained earnings to average equity (ytd only) | 5.8406% | 2,642 |
| Net charge-offs to loans | -0.0055% | 4,130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3739% | 4,314 |
| Assets per employee ($millions) | 6.8786% | 974 |
| Cash dividends to net income (ytd only)* | 38.0090% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 1,546 |
| Loan loss allowance to noncurrent loans | 4,313.8889% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 4,931 |
| Noncurrent loans to loans | 0.0337% | 4,767 |
| Net loans and leases to total assets | 58.9212% | 3,904 |
| Net loans and leases to deposits | 69.5806% | 3,895 |
| Net loans and leases to core deposits | 73.3966% | 3,918 |
| Total domestic deposits to total assets | 84.6805% | 2,805 |
| Equity capital to assets | 13.2210% | 1,218 |
| Core capital (leverage) ratio | 13.3891% | 1,104 |
| Tier 1 risk-based capital ratio | 19.7791% | 1,365 |
| Total risk-based capital ratio | 21.0297% | 1,334 |
| Memoranda: | ||
| Average total assets | $179,760,000 | 3,097 |
| Average earning assets | $172,399,000 | 3,039 |
| Average equity | $23,456,670 | 2,798 |
| Average total loans | $108,591,330 | 3,196 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6853% | 4,501 |
| Cost of funding earning assets | 0.3755% | 3,772 |
| Net interest margin | 3.3098% | 4,163 |
| Noninterest income to average assets | 0.2952% | 4,187 |
| Noninterest expense to average assets | 1.9887% | 4,871 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2119% | 1,952 |
| Return on assets (ROA) | 1.2119% | 1,961 |
| Pretax return on assets | 1.4760% | 1,745 |
| Return on Equity (ROE) | 9.3483% | 2,743 |
| Retained earnings to average equity (ytd only) | 5.7528% | 2,831 |
| Net charge-offs to loans | -0.0073% | 4,136 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3991% | 4,422 |
| Assets per employee ($millions) | 6.9535% | 981 |
| Cash dividends to net income (ytd only)* | 38.4615% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 1,700 |
| Loan loss allowance to noncurrent loans | 4,311.1111% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 5,012 |
| Noncurrent loans to loans | 0.0334% | 4,822 |
| Net loans and leases to total assets | 58.8451% | 3,869 |
| Net loans and leases to deposits | 69.4757% | 3,830 |
| Net loans and leases to core deposits | 72.8113% | 3,896 |
| Total domestic deposits to total assets | 84.6988% | 3,031 |
| Equity capital to assets | 12.9139% | 1,288 |
| Core capital (leverage) ratio | 13.1233% | 1,128 |
| Tier 1 risk-based capital ratio | 19.7410% | 1,387 |
| Total risk-based capital ratio | 20.9918% | 1,361 |
| Memoranda: | ||
| Average total assets | $180,218,000 | 3,127 |
| Average earning assets | $172,579,000 | 3,064 |
| Average equity | $23,362,500 | 2,829 |
| Average total loans | $109,422,000 | 3,202 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6908% | 4,359 |
| Cost of funding earning assets | 0.3622% | 3,597 |
| Net interest margin | 3.3286% | 4,075 |
| Noninterest income to average assets | 0.3304% | 4,108 |
| Noninterest expense to average assets | 2.0712% | 4,833 |
| Loan and lease loss provision to assets | 0.0574% | 3,083 |
| Net operating income to assets | 0.9275% | 2,560 |
| Return on assets (ROA) | 0.9275% | 2,587 |
| Pretax return on assets | 1.3749% | 2,070 |
| Return on Equity (ROE) | 6.9878% | 3,284 |
| Retained earnings to average equity (ytd only) | 3.5306% | 3,160 |
| Net charge-offs to loans | 0.0901% | 2,188 |
| Credit loss provision to net charge-offs | 102.0408% | 2,511 |
| Earnings coverage of net charge-offs (x) | 25.4796% | 1,712 |
| Efficiency ratio | 59.1192% | 4,394 |
| Assets per employee ($millions) | 6.9095% | 1,008 |
| Cash dividends to net income (ytd only)* | 49.4743% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 1,782 |
| Loan loss allowance to noncurrent loans | 2,066.6667% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 4,926 |
| Noncurrent loans to loans | 0.0676% | 4,692 |
| Net loans and leases to total assets | 60.8731% | 3,744 |
| Net loans and leases to deposits | 71.9708% | 3,706 |
| Net loans and leases to core deposits | 75.6585% | 3,765 |
| Total domestic deposits to total assets | 84.5802% | 3,001 |
| Equity capital to assets | 13.0134% | 1,262 |
| Core capital (leverage) ratio | 13.3405% | 1,024 |
| Tier 1 risk-based capital ratio | 18.8831% | 1,532 |
| Total risk-based capital ratio | 20.1332% | 1,496 |
| Memoranda: | ||
| Average total assets | $174,343,200 | 3,189 |
| Average earning assets | $166,198,200 | 3,126 |
| Average equity | $23,140,400 | 2,847 |
| Average total loans | $108,787,200 | 3,205 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6550% | 4,434 |
| Cost of funding earning assets | 0.3592% | 3,581 |
| Net interest margin | 3.2958% | 4,185 |
| Noninterest income to average assets | 0.2990% | 4,390 |
| Noninterest expense to average assets | 2.0660% | 4,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0295% | 2,413 |
| Return on assets (ROA) | 1.0295% | 2,455 |
| Pretax return on assets | 1.3794% | 2,175 |
| Return on Equity (ROE) | 7.7176% | 3,283 |
| Retained earnings to average equity (ytd only) | 4.3093% | 3,341 |
| Net charge-offs to loans | 0.0074% | 3,469 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 298.3263% | 309 |
| Efficiency ratio | 59.9642% | 4,224 |
| Assets per employee ($millions) | 6.3786% | 1,263 |
| Cash dividends to net income (ytd only)* | 44.1618% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 1,990 |
| Loan loss allowance to noncurrent loans | 600.0000% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 4,517 |
| Noncurrent loans to loans | 0.2296% | 4,146 |
| Net loans and leases to total assets | 64.0981% | 3,385 |
| Net loans and leases to deposits | 76.5838% | 3,317 |
| Net loans and leases to core deposits | 80.9621% | 3,373 |
| Total domestic deposits to total assets | 83.6966% | 3,231 |
| Equity capital to assets | 13.6475% | 1,098 |
| Core capital (leverage) ratio | 13.6348% | 984 |
| Tier 1 risk-based capital ratio | 18.8231% | 1,640 |
| Total risk-based capital ratio | 20.0723% | 1,593 |
| Memoranda: | ||
| Average total assets | $173,017,500 | 3,230 |
| Average earning assets | $165,177,000 | 3,164 |
| Average equity | $23,081,000 | 2,870 |
| Average total loans | $108,257,500 | 3,237 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5595% | 4,611 |
| Cost of funding earning assets | 0.3494% | 3,586 |
| Net interest margin | 3.2101% | 4,391 |
| Noninterest income to average assets | 0.2989% | 4,395 |
| Noninterest expense to average assets | 2.0614% | 4,850 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9845% | 2,507 |
| Return on assets (ROA) | 0.9845% | 2,554 |
| Pretax return on assets | 1.3123% | 2,341 |
| Return on Equity (ROE) | 7.4368% | 3,317 |
| Retained earnings to average equity (ytd only) | 4.1238% | 3,254 |
| Net charge-offs to loans | 0.0131% | 2,993 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 162.4286% | 471 |
| Efficiency ratio | 61.1016% | 4,148 |
| Assets per employee ($millions) | 6.3527% | 1,232 |
| Cash dividends to net income (ytd only)* | 44.5487% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 1,882 |
| Loan loss allowance to noncurrent loans | 110.5452% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.8127% | 2,179 |
| Noncurrent loans to loans | 1.2809% | 1,504 |
| Net loans and leases to total assets | 62.5481% | 3,568 |
| Net loans and leases to deposits | 74.6985% | 3,476 |
| Net loans and leases to core deposits | 78.1750% | 3,578 |
| Total domestic deposits to total assets | 83.7341% | 3,311 |
| Equity capital to assets | 13.5567% | 1,124 |
| Core capital (leverage) ratio | 13.3458% | 1,038 |
| Tier 1 risk-based capital ratio | 18.9184% | 1,604 |
| Total risk-based capital ratio | 20.1691% | 1,569 |
| Memoranda: | ||
| Average total assets | $173,282,670 | 3,246 |
| Average earning assets | $165,978,000 | 3,167 |
| Average equity | $22,940,000 | 2,886 |
| Average total loans | $107,032,330 | 3,264 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4400% | 4,856 |
| Cost of funding earning assets | 0.3421% | 3,613 |
| Net interest margin | 3.0979% | 4,654 |
| Noninterest income to average assets | 0.3169% | 4,285 |
| Noninterest expense to average assets | 2.0280% | 4,985 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9508% | 2,522 |
| Return on assets (ROA) | 0.9508% | 2,582 |
| Pretax return on assets | 1.2632% | 2,377 |
| Return on Equity (ROE) | 7.2684% | 3,285 |
| Retained earnings to average equity (ytd only) | 3.9327% | 3,480 |
| Net charge-offs to loans | -0.0226% | 4,807 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6190% | 4,208 |
| Assets per employee ($millions) | 6.1443% | 1,398 |
| Cash dividends to net income (ytd only)* | 45.8937% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 1,654 |
| Loan loss allowance to noncurrent loans | 155,400.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 5,396 |
| Noncurrent loans to loans | 0.0010% | 5,280 |
| Net loans and leases to total assets | 58.8221% | 3,905 |
| Net loans and leases to deposits | 69.9812% | 3,797 |
| Net loans and leases to core deposits | 72.9895% | 3,915 |
| Total domestic deposits to total assets | 84.0542% | 3,460 |
| Equity capital to assets | 13.3371% | 1,134 |
| Core capital (leverage) ratio | 13.0432% | 1,126 |
| Tier 1 risk-based capital ratio | 19.8113% | 1,424 |
| Total risk-based capital ratio | 21.0629% | 1,397 |
| Memoranda: | ||
| Average total assets | $174,162,000 | 3,267 |
| Average earning assets | $167,208,000 | 3,171 |
| Average equity | $22,783,500 | 2,917 |
| Average total loans | $106,135,500 | 3,298 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5941% | 4,523 |
| Cost of funding earning assets | 0.3492% | 3,527 |
| Net interest margin | 3.2449% | 4,314 |
| Noninterest income to average assets | 0.3078% | 4,534 |
| Noninterest expense to average assets | 2.1334% | 4,930 |
| Loan and lease loss provision to assets | 0.0583% | 3,222 |
| Net operating income to assets | 0.9381% | 2,640 |
| Return on assets (ROA) | 0.9381% | 2,751 |
| Pretax return on assets | 1.2314% | 2,549 |
| Return on Equity (ROE) | 7.1223% | 3,407 |
| Retained earnings to average equity (ytd only) | 4.0237% | 3,053 |
| Net charge-offs to loans | 0.0130% | 3,842 |
| Credit loss provision to net charge-offs | 714.2857% | 506 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 410 |
| Efficiency ratio | 62.3233% | 4,198 |
| Assets per employee ($millions) | 6.2959% | 1,265 |
| Cash dividends to net income (ytd only)* | 43.5053% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4134% | 2,025 |
| Loan loss allowance to noncurrent loans | 77,400.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 5,444 |
| Noncurrent loans to loans | 0.0018% | 5,315 |
| Net loans and leases to total assets | 61.2485% | 3,694 |
| Net loans and leases to deposits | 72.3387% | 3,679 |
| Net loans and leases to core deposits | 75.3447% | 3,809 |
| Total domestic deposits to total assets | 84.6691% | 3,185 |
| Equity capital to assets | 12.8326% | 1,331 |
| Core capital (leverage) ratio | 13.0329% | 1,120 |
| Tier 1 risk-based capital ratio | 18.7957% | 1,660 |
| Total risk-based capital ratio | 20.0460% | 1,622 |
| Memoranda: | ||
| Average total assets | $171,513,000 | 3,267 |
| Average earning assets | $164,660,000 | 3,175 |
| Average equity | $22,591,000 | 2,934 |
| Average total loans | $107,382,200 | 3,251 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5799% | 4,605 |
| Cost of funding earning assets | 0.3454% | 3,587 |
| Net interest margin | 3.2346% | 4,387 |
| Noninterest income to average assets | 0.3139% | 4,524 |
| Noninterest expense to average assets | 2.1371% | 4,917 |
| Loan and lease loss provision to assets | 0.0196% | 3,854 |
| Net operating income to assets | 0.9637% | 2,598 |
| Return on assets (ROA) | 0.9637% | 2,736 |
| Pretax return on assets | 1.2658% | 2,552 |
| Return on Equity (ROE) | 7.2677% | 3,418 |
| Retained earnings to average equity (ytd only) | 4.1682% | 3,353 |
| Net charge-offs to loans | 0.0087% | 3,622 |
| Credit loss provision to net charge-offs | 357.1429% | 917 |
| Earnings coverage of net charge-offs (x) | 234.6495% | 334 |
| Efficiency ratio | 62.4428% | 4,150 |
| Assets per employee ($millions) | 6.4194% | 1,158 |
| Cash dividends to net income (ytd only)* | 42.6482% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 2,553 |
| Loan loss allowance to noncurrent loans | 194.4809% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.4560% | 3,594 |
| Noncurrent loans to loans | 0.6812% | 2,985 |
| Net loans and leases to total assets | 66.0469% | 3,115 |
| Net loans and leases to deposits | 79.3080% | 3,046 |
| Net loans and leases to core deposits | 83.2000% | 3,196 |
| Total domestic deposits to total assets | 83.2790% | 3,491 |
| Equity capital to assets | 13.7522% | 1,142 |
| Core capital (leverage) ratio | 13.3142% | 1,064 |
| Tier 1 risk-based capital ratio | 18.2811% | 1,839 |
| Total risk-based capital ratio | 19.4952% | 1,825 |
| Memoranda: | ||
| Average total assets | $170,320,000 | 3,296 |
| Average earning assets | $163,686,000 | 3,198 |
| Average equity | $22,583,250 | 2,957 |
| Average total loans | $106,847,750 | 3,278 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5223% | 4,806 |
| Cost of funding earning assets | 0.3387% | 3,709 |
| Net interest margin | 3.1836% | 4,598 |
| Noninterest income to average assets | 0.3033% | 4,622 |
| Noninterest expense to average assets | 2.1475% | 4,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9378% | 2,690 |
| Return on assets (ROA) | 0.9378% | 2,826 |
| Pretax return on assets | 1.2260% | 2,682 |
| Return on Equity (ROE) | 7.1594% | 3,456 |
| Retained earnings to average equity (ytd only) | 4.0427% | 3,331 |
| Net charge-offs to loans | 0.0133% | 3,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 150.1429% | 414 |
| Efficiency ratio | 63.6584% | 4,079 |
| Assets per employee ($millions) | 6.2081% | 1,256 |
| Cash dividends to net income (ytd only)* | 43.5323% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 2,474 |
| Loan loss allowance to noncurrent loans | 72,750.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,643 |
| Noncurrent loans to loans | 0.0019% | 5,513 |
| Net loans and leases to total assets | 62.8041% | 3,528 |
| Net loans and leases to deposits | 74.9537% | 3,485 |
| Net loans and leases to core deposits | 78.5898% | 3,595 |
| Total domestic deposits to total assets | 83.7905% | 3,352 |
| Equity capital to assets | 13.6250% | 1,172 |
| Core capital (leverage) ratio | 13.0248% | 1,139 |
| Tier 1 risk-based capital ratio | 18.4383% | 1,814 |
| Total risk-based capital ratio | 19.6559% | 1,785 |
| Memoranda: | ||
| Average total assets | $171,458,670 | 3,292 |
| Average earning assets | $165,346,330 | 3,206 |
| Average equity | $22,460,000 | 2,972 |
| Average total loans | $105,225,330 | 3,315 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4558% | 4,994 |
| Cost of funding earning assets | 0.3303% | 3,842 |
| Net interest margin | 3.1255% | 4,795 |
| Noninterest income to average assets | 0.2999% | 4,583 |
| Noninterest expense to average assets | 2.1041% | 5,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9251% | 2,621 |
| Return on assets (ROA) | 0.9251% | 2,731 |
| Pretax return on assets | 1.2089% | 2,668 |
| Return on Equity (ROE) | 7.2022% | 3,342 |
| Retained earnings to average equity (ytd only) | 4.0591% | 3,462 |
| Net charge-offs to loans | -0.0077% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5097% | 4,215 |
| Assets per employee ($millions) | 6.0649% | 1,362 |
| Cash dividends to net income (ytd only)* | 43.6409% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 2,258 |
| Loan loss allowance to noncurrent loans | 48,800.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 5,686 |
| Noncurrent loans to loans | 0.0029% | 5,525 |
| Net loans and leases to total assets | 59.1315% | 3,903 |
| Net loans and leases to deposits | 70.2844% | 3,834 |
| Net loans and leases to core deposits | 73.8462% | 3,912 |
| Total domestic deposits to total assets | 84.1318% | 3,468 |
| Equity capital to assets | 13.2401% | 1,299 |
| Core capital (leverage) ratio | 12.4746% | 1,349 |
| Tier 1 risk-based capital ratio | 18.5681% | 1,835 |
| Total risk-based capital ratio | 19.8147% | 1,794 |
| Memoranda: | ||
| Average total assets | $173,379,000 | 3,292 |
| Average earning assets | $167,140,500 | 3,184 |
| Average equity | $22,271,000 | 2,993 |
| Average total loans | $104,475,000 | 3,342 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3975% | 5,166 |
| Cost of funding earning assets | 0.3106% | 4,138 |
| Net interest margin | 3.0869% | 4,936 |
| Noninterest income to average assets | 0.3083% | 4,681 |
| Noninterest expense to average assets | 2.0410% | 5,373 |
| Loan and lease loss provision to assets | 0.0346% | 3,660 |
| Net operating income to assets | 0.9173% | 2,773 |
| Return on assets (ROA) | 0.9173% | 2,861 |
| Pretax return on assets | 1.1824% | 2,721 |
| Return on Equity (ROE) | 7.3769% | 3,318 |
| Retained earnings to average equity (ytd only) | 4.5966% | 2,709 |
| Net charge-offs to loans | 0.0030% | 4,358 |
| Credit loss provision to net charge-offs | 2,000.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 704.0000% | 91 |
| Efficiency ratio | 62.6459% | 4,507 |
| Assets per employee ($millions) | 6.3193% | 1,186 |
| Cash dividends to net income (ytd only)* | 37.6884% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 2,582 |
| Loan loss allowance to noncurrent loans | 36,550.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 5,723 |
| Noncurrent loans to loans | 0.0037% | 5,545 |
| Net loans and leases to total assets | 59.6858% | 3,880 |
| Net loans and leases to deposits | 70.2041% | 3,899 |
| Net loans and leases to core deposits | 73.7713% | 3,961 |
| Total domestic deposits to total assets | 85.0175% | 3,086 |
| Equity capital to assets | 12.4664% | 1,642 |
| Core capital (leverage) ratio | 12.3511% | 1,425 |
| Tier 1 risk-based capital ratio | 17.7417% | 2,040 |
| Total risk-based capital ratio | 18.9436% | 2,009 |
| Memoranda: | ||
| Average total assets | $173,545,200 | 3,251 |
| Average earning assets | $165,829,000 | 3,178 |
| Average equity | $21,581,000 | 3,015 |
| Average total loans | $99,570,200 | 3,390 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3469% | 5,326 |
| Cost of funding earning assets | 0.3027% | 4,314 |
| Net interest margin | 3.0442% | 5,089 |
| Noninterest income to average assets | 0.3050% | 4,759 |
| Noninterest expense to average assets | 2.0529% | 5,377 |
| Loan and lease loss provision to assets | 0.0116% | 4,044 |
| Net operating income to assets | 0.8948% | 2,989 |
| Return on assets (ROA) | 0.8948% | 3,075 |
| Pretax return on assets | 1.1442% | 3,041 |
| Return on Equity (ROE) | 7.2002% | 3,526 |
| Retained earnings to average equity (ytd only) | 4.4046% | 3,341 |
| Net charge-offs to loans | 0.0014% | 4,139 |
| Credit loss provision to net charge-offs | 1,500.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 1,500.7143% | 48 |
| Efficiency ratio | 63.9798% | 4,251 |
| Assets per employee ($millions) | 6.5340% | 1,058 |
| Cash dividends to net income (ytd only)* | 38.8270% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 2,782 |
| Loan loss allowance to noncurrent loans | 17,737.5000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 5,797 |
| Noncurrent loans to loans | 0.0077% | 5,618 |
| Net loans and leases to total assets | 60.5181% | 3,807 |
| Net loans and leases to deposits | 71.9580% | 3,774 |
| Net loans and leases to core deposits | 76.2312% | 3,779 |
| Total domestic deposits to total assets | 84.1020% | 3,380 |
| Equity capital to assets | 12.8900% | 1,514 |
| Core capital (leverage) ratio | 12.5148% | 1,412 |
| Tier 1 risk-based capital ratio | 17.7342% | 2,107 |
| Total risk-based capital ratio | 18.9158% | 2,093 |
| Memoranda: | ||
| Average total assets | $172,696,500 | 3,288 |
| Average earning assets | $164,725,250 | 3,220 |
| Average equity | $21,461,750 | 3,051 |
| Average total loans | $97,695,250 | 3,455 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2748% | 5,486 |
| Cost of funding earning assets | 0.3048% | 4,347 |
| Net interest margin | 2.9699% | 5,287 |
| Noninterest income to average assets | 0.3018% | 4,795 |
| Noninterest expense to average assets | 2.0376% | 5,460 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8673% | 3,054 |
| Return on assets (ROA) | 0.8673% | 3,150 |
| Pretax return on assets | 1.1035% | 3,161 |
| Return on Equity (ROE) | 7.0650% | 3,571 |
| Retained earnings to average equity (ytd only) | 4.2503% | 3,326 |
| Net charge-offs to loans | -0.0042% | 4,701 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8698% | 4,212 |
| Assets per employee ($millions) | 6.5009% | 1,050 |
| Cash dividends to net income (ytd only)* | 39.8406% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 2,684 |
| Loan loss allowance to noncurrent loans | 23,450.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 5,902 |
| Noncurrent loans to loans | 0.0060% | 5,746 |
| Net loans and leases to total assets | 57.9864% | 4,103 |
| Net loans and leases to deposits | 68.7131% | 4,060 |
| Net loans and leases to core deposits | 72.7981% | 4,057 |
| Total domestic deposits to total assets | 84.3892% | 3,404 |
| Equity capital to assets | 12.6958% | 1,550 |
| Core capital (leverage) ratio | 12.0828% | 1,603 |
| Tier 1 risk-based capital ratio | 18.2882% | 1,988 |
| Total risk-based capital ratio | 19.5110% | 1,959 |
| Memoranda: | ||
| Average total assets | $173,634,330 | 3,297 |
| Average earning assets | $165,997,000 | 3,220 |
| Average equity | $21,316,330 | 3,077 |
| Average total loans | $95,517,330 | 3,525 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1928% | 5,662 |
| Cost of funding earning assets | 0.3054% | 4,380 |
| Net interest margin | 2.8873% | 5,481 |
| Noninterest income to average assets | 0.2842% | 4,901 |
| Noninterest expense to average assets | 2.0234% | 5,538 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8071% | 3,225 |
| Return on assets (ROA) | 0.8071% | 3,346 |
| Pretax return on assets | 1.0117% | 3,450 |
| Return on Equity (ROE) | 6.6839% | 3,663 |
| Retained earnings to average equity (ytd only) | 3.8597% | 3,685 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,037 |
| Assets per employee ($millions) | 6.4703% | 1,092 |
| Cash dividends to net income (ytd only)* | 42.2535% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 2,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 50.8120% | 4,769 |
| Net loans and leases to deposits | 59.9781% | 4,748 |
| Net loans and leases to core deposits | 63.3720% | 4,753 |
| Total domestic deposits to total assets | 84.7175% | 3,535 |
| Equity capital to assets | 12.2750% | 1,836 |
| Core capital (leverage) ratio | 11.8170% | 1,765 |
| Tier 1 risk-based capital ratio | 20.2174% | 1,570 |
| Total risk-based capital ratio | 21.4688% | 1,541 |
| Memoranda: | ||
| Average total assets | $175,939,500 | 3,291 |
| Average earning assets | $167,629,500 | 3,212 |
| Average equity | $21,245,000 | 3,107 |
| Average total loans | $93,567,000 | 3,575 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2237% | 5,807 |
| Cost of funding earning assets | 0.3423% | 4,341 |
| Net interest margin | 2.8814% | 5,682 |
| Noninterest income to average assets | 0.3399% | 4,677 |
| Noninterest expense to average assets | 2.0811% | 5,616 |
| Loan and lease loss provision to assets | 0.0230% | 4,148 |
| Net operating income to assets | 0.7928% | 3,408 |
| Return on assets (ROA) | 0.7928% | 3,504 |
| Pretax return on assets | 0.9714% | 3,611 |
| Return on Equity (ROE) | 6.7363% | 3,771 |
| Retained earnings to average equity (ytd only) | 3.8096% | 3,500 |
| Net charge-offs to loans | -0.0045% | 5,455 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6685% | 3,950 |
| Assets per employee ($millions) | 6.3279% | 1,165 |
| Cash dividends to net income (ytd only)* | 43.4468% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 2,697 |
| Loan loss allowance to noncurrent loans | 140,600.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 6,110 |
| Noncurrent loans to loans | 0.0010% | 5,939 |
| Net loans and leases to total assets | 53.9304% | 4,590 |
| Net loans and leases to deposits | 63.3914% | 4,591 |
| Net loans and leases to core deposits | 66.9256% | 4,602 |
| Total domestic deposits to total assets | 85.0752% | 3,257 |
| Equity capital to assets | 11.8782% | 2,104 |
| Core capital (leverage) ratio | 11.7513% | 1,795 |
| Tier 1 risk-based capital ratio | 18.5688% | 1,972 |
| Total risk-based capital ratio | 19.8189% | 1,939 |
| Memoranda: | ||
| Average total assets | $174,185,600 | 3,281 |
| Average earning assets | $165,371,400 | 3,212 |
| Average equity | $20,500,800 | 3,106 |
| Average total loans | $89,648,600 | 3,638 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1827% | 5,920 |
| Cost of funding earning assets | 0.3471% | 4,371 |
| Net interest margin | 2.8356% | 5,813 |
| Noninterest income to average assets | 0.3521% | 4,622 |
| Noninterest expense to average assets | 2.1279% | 5,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7634% | 3,610 |
| Return on assets (ROA) | 0.7634% | 3,702 |
| Pretax return on assets | 0.9248% | 3,887 |
| Return on Equity (ROE) | 6.5014% | 3,962 |
| Retained earnings to average equity (ytd only) | 3.5551% | 4,118 |
| Net charge-offs to loans | -0.0030% | 5,221 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7054% | 3,561 |
| Assets per employee ($millions) | 6.3258% | 1,133 |
| Cash dividends to net income (ytd only)* | 45.3175% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 2,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 52.9509% | 4,704 |
| Net loans and leases to deposits | 62.1729% | 4,723 |
| Net loans and leases to core deposits | 65.9145% | 4,723 |
| Total domestic deposits to total assets | 85.1671% | 3,272 |
| Equity capital to assets | 12.1736% | 1,926 |
| Core capital (leverage) ratio | 11.7380% | 1,876 |
| Tier 1 risk-based capital ratio | 19.2479% | 1,842 |
| Total risk-based capital ratio | 20.4982% | 1,812 |
| Memoranda: | ||
| Average total assets | $173,436,500 | 3,321 |
| Average earning assets | $165,182,750 | 3,244 |
| Average equity | $20,364,500 | 3,131 |
| Average total loans | $87,820,500 | 3,714 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1819% | 5,973 |
| Cost of funding earning assets | 0.3494% | 4,444 |
| Net interest margin | 2.8325% | 5,846 |
| Noninterest income to average assets | 0.3671% | 4,500 |
| Noninterest expense to average assets | 2.1547% | 5,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7504% | 3,569 |
| Return on assets (ROA) | 0.7504% | 3,671 |
| Pretax return on assets | 0.9098% | 3,849 |
| Return on Equity (ROE) | 6.4682% | 3,897 |
| Retained earnings to average equity (ytd only) | 3.5011% | 3,976 |
| Net charge-offs to loans | -0.0023% | 5,071 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3107% | 3,607 |
| Assets per employee ($millions) | 5.8041% | 1,420 |
| Cash dividends to net income (ytd only)* | 45.8716% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 2,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 49.7393% | 4,989 |
| Net loans and leases to deposits | 58.1724% | 5,031 |
| Net loans and leases to core deposits | 61.5868% | 5,002 |
| Total domestic deposits to total assets | 85.5033% | 3,283 |
| Equity capital to assets | 11.8687% | 2,090 |
| Core capital (leverage) ratio | 11.5081% | 1,994 |
| Tier 1 risk-based capital ratio | 20.1344% | 1,654 |
| Total risk-based capital ratio | 21.3857% | 1,626 |
| Memoranda: | ||
| Average total assets | $174,316,670 | 3,315 |
| Average earning assets | $166,004,000 | 3,248 |
| Average equity | $20,222,000 | 3,148 |
| Average total loans | $86,493,330 | 3,757 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0219% | 6,219 |
| Cost of funding earning assets | 0.3614% | 4,425 |
| Net interest margin | 2.6606% | 6,156 |
| Noninterest income to average assets | 0.4380% | 3,883 |
| Noninterest expense to average assets | 2.1007% | 5,677 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7132% | 3,615 |
| Return on assets (ROA) | 0.7132% | 3,701 |
| Pretax return on assets | 0.8531% | 3,890 |
| Return on Equity (ROE) | 6.2200% | 3,899 |
| Retained earnings to average equity (ytd only) | 3.2200% | 4,188 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1180% | 3,639 |
| Assets per employee ($millions) | 5.7424% | 1,503 |
| Cash dividends to net income (ytd only)* | 48.2315% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6740% | 2,430 |
| Loan loss allowance to noncurrent loans | 471.2803% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 5,732 |
| Noncurrent loans to loans | 0.3552% | 5,055 |
| Net loans and leases to total assets | 46.4394% | 5,284 |
| Net loans and leases to deposits | 54.1194% | 5,271 |
| Net loans and leases to core deposits | 57.2309% | 5,265 |
| Total domestic deposits to total assets | 85.8091% | 3,458 |
| Equity capital to assets | 11.7169% | 2,092 |
| Core capital (leverage) ratio | 11.2992% | 2,136 |
| Tier 1 risk-based capital ratio | 21.0899% | 1,458 |
| Total risk-based capital ratio | 22.3425% | 1,437 |
| Memoranda: | ||
| Average total assets | $174,414,000 | 3,340 |
| Average earning assets | $164,927,500 | 3,280 |
| Average equity | $20,000,000 | 3,175 |
| Average total loans | $85,755,000 | 3,802 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1501% | 6,194 |
| Cost of funding earning assets | 0.4550% | 4,066 |
| Net interest margin | 2.6951% | 6,146 |
| Noninterest income to average assets | 0.3018% | 5,189 |
| Noninterest expense to average assets | 2.0237% | 5,984 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7101% | 3,751 |
| Return on assets (ROA) | 0.7101% | 3,832 |
| Pretax return on assets | 0.8341% | 4,020 |
| Return on Equity (ROE) | 6.3123% | 3,916 |
| Retained earnings to average equity (ytd only) | 3.2921% | 3,890 |
| Net charge-offs to loans | -0.0438% | 6,303 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8143% | 3,697 |
| Assets per employee ($millions) | 5.8852% | 1,349 |
| Cash dividends to net income (ytd only)* | 47.8469% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 3,131 |
| Loan loss allowance to noncurrent loans | 432.3810% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 5,780 |
| Noncurrent loans to loans | 0.3494% | 5,139 |
| Net loans and leases to total assets | 50.2866% | 5,053 |
| Net loans and leases to deposits | 59.6174% | 4,968 |
| Net loans and leases to core deposits | 63.0130% | 4,968 |
| Total domestic deposits to total assets | 84.3489% | 4,037 |
| Equity capital to assets | 11.2231% | 2,406 |
| Core capital (leverage) ratio | 11.6963% | 1,832 |
| Tier 1 risk-based capital ratio | 19.0142% | 1,915 |
| Total risk-based capital ratio | 20.2642% | 1,879 |
| Memoranda: | ||
| Average total assets | $176,605,800 | 3,314 |
| Average earning assets | $167,488,800 | 3,249 |
| Average equity | $19,866,000 | 3,162 |
| Average total loans | $82,162,000 | 3,877 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0026% | 6,421 |
| Cost of funding earning assets | 0.4194% | 4,625 |
| Net interest margin | 2.5832% | 6,336 |
| Noninterest income to average assets | 0.2989% | 5,306 |
| Noninterest expense to average assets | 2.0020% | 6,008 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6598% | 4,069 |
| Return on assets (ROA) | 0.6598% | 4,204 |
| Pretax return on assets | 0.7519% | 4,481 |
| Return on Equity (ROE) | 5.8620% | 4,261 |
| Retained earnings to average equity (ytd only) | 2.8438% | 4,620 |
| Net charge-offs to loans | -0.0083% | 5,855 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6974% | 3,287 |
| Assets per employee ($millions) | 5.7370% | 1,415 |
| Cash dividends to net income (ytd only)* | 51.4880% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 3,102 |
| Loan loss allowance to noncurrent loans | 135.4018% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.5908% | 4,672 |
| Noncurrent loans to loans | 1.1666% | 3,488 |
| Net loans and leases to total assets | 49.8458% | 5,158 |
| Net loans and leases to deposits | 60.0298% | 4,968 |
| Net loans and leases to core deposits | 63.1925% | 4,990 |
| Total domestic deposits to total assets | 83.0351% | 4,560 |
| Equity capital to assets | 11.8270% | 2,028 |
| Core capital (leverage) ratio | 11.5988% | 1,952 |
| Tier 1 risk-based capital ratio | 19.6714% | 1,821 |
| Total risk-based capital ratio | 20.9254% | 1,781 |
| Memoranda: | ||
| Average total assets | $176,618,250 | 3,340 |
| Average earning assets | $167,851,000 | 3,274 |
| Average equity | $19,878,750 | 3,201 |
| Average total loans | $80,166,000 | 3,967 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9283% | 6,511 |
| Cost of funding earning assets | 0.4230% | 4,731 |
| Net interest margin | 2.5053% | 6,444 |
| Noninterest income to average assets | 0.2944% | 5,348 |
| Noninterest expense to average assets | 1.9430% | 6,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6443% | 4,088 |
| Return on assets (ROA) | 0.6443% | 4,238 |
| Pretax return on assets | 0.7332% | 4,562 |
| Return on Equity (ROE) | 5.8157% | 4,277 |
| Retained earnings to average equity (ytd only) | 2.8076% | 4,527 |
| Net charge-offs to loans | -0.0076% | 5,715 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6027% | 3,372 |
| Assets per employee ($millions) | 5.9572% | 1,234 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 2,828 |
| Loan loss allowance to noncurrent loans | 125.2592% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 4,707 |
| Noncurrent loans to loans | 1.3467% | 3,304 |
| Net loans and leases to total assets | 44.8356% | 5,656 |
| Net loans and leases to deposits | 53.9800% | 5,522 |
| Net loans and leases to core deposits | 56.1726% | 5,584 |
| Total domestic deposits to total assets | 83.0595% | 4,680 |
| Equity capital to assets | 11.2921% | 2,476 |
| Core capital (leverage) ratio | 10.9471% | 2,413 |
| Tier 1 risk-based capital ratio | 20.7020% | 1,570 |
| Total risk-based capital ratio | 21.9570% | 1,537 |
| Memoranda: | ||
| Average total assets | $180,033,330 | 3,309 |
| Average earning assets | $171,157,000 | 3,235 |
| Average equity | $19,946,000 | 3,213 |
| Average total loans | $78,801,000 | 4,018 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8850% | 6,623 |
| Cost of funding earning assets | 0.4318% | 4,785 |
| Net interest margin | 2.4531% | 6,554 |
| Noninterest income to average assets | 0.2918% | 5,376 |
| Noninterest expense to average assets | 1.8664% | 6,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6512% | 3,956 |
| Return on assets (ROA) | 0.6512% | 4,112 |
| Pretax return on assets | 0.7513% | 4,369 |
| Return on Equity (ROE) | 5.9311% | 4,088 |
| Retained earnings to average equity (ytd only) | 2.9556% | 4,511 |
| Net charge-offs to loans | -0.0102% | 5,444 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2978% | 3,751 |
| Assets per employee ($millions) | 6.5138% | 980 |
| Cash dividends to net income (ytd only)* | 50.1672% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7538% | 2,789 |
| Loan loss allowance to noncurrent loans | 119.8556% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 4,869 |
| Noncurrent loans to loans | 1.4633% | 3,367 |
| Net loans and leases to total assets | 40.7885% | 5,937 |
| Net loans and leases to deposits | 48.7308% | 5,867 |
| Net loans and leases to core deposits | 50.4541% | 5,939 |
| Total domestic deposits to total assets | 83.7017% | 4,591 |
| Equity capital to assets | 11.0589% | 2,895 |
| Core capital (leverage) ratio | 10.5481% | 2,707 |
| Tier 1 risk-based capital ratio | 20.9324% | 1,554 |
| Total risk-based capital ratio | 22.1872% | 1,526 |
| Memoranda: | ||
| Average total assets | $183,671,000 | 3,306 |
| Average earning assets | $174,145,000 | 3,219 |
| Average equity | $20,165,000 | 3,231 |
| Average total loans | $78,808,500 | 4,040 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2483% | 6,634 |
| Cost of funding earning assets | 0.6296% | 4,103 |
| Net interest margin | 2.6187% | 6,618 |
| Noninterest income to average assets | 0.3300% | 5,094 |
| Noninterest expense to average assets | 1.9584% | 6,399 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7113% | 3,689 |
| Return on assets (ROA) | 0.7113% | 3,946 |
| Pretax return on assets | 0.8451% | 4,132 |
| Return on Equity (ROE) | 6.0931% | 4,123 |
| Retained earnings to average equity (ytd only) | 3.0642% | 4,079 |
| Net charge-offs to loans | -0.1159% | 6,854 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8550% | 3,847 |
| Assets per employee ($millions) | 6.6055% | 948 |
| Cash dividends to net income (ytd only)* | 49.7100% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6191% | 3,223 |
| Loan loss allowance to noncurrent loans | 116.8282% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.6137% | 4,938 |
| Noncurrent loans to loans | 1.3859% | 3,522 |
| Net loans and leases to total assets | 43.5619% | 5,857 |
| Net loans and leases to deposits | 51.4611% | 5,852 |
| Net loans and leases to core deposits | 53.4415% | 5,918 |
| Total domestic deposits to total assets | 84.6503% | 4,014 |
| Equity capital to assets | 10.8999% | 3,064 |
| Core capital (leverage) ratio | 10.7782% | 2,466 |
| Tier 1 risk-based capital ratio | 19.7220% | 1,743 |
| Total risk-based capital ratio | 20.9761% | 1,713 |
| Memoranda: | ||
| Average total assets | $169,683,000 | 3,460 |
| Average earning assets | $160,269,600 | 3,373 |
| Average equity | $19,809,400 | 3,219 |
| Average total loans | $75,074,600 | 4,173 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3140% | 6,718 |
| Cost of funding earning assets | 0.6827% | 3,919 |
| Net interest margin | 2.6313% | 6,726 |
| Noninterest income to average assets | 0.3392% | 5,092 |
| Noninterest expense to average assets | 2.0056% | 6,347 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6945% | 3,936 |
| Return on assets (ROA) | 0.6945% | 4,185 |
| Pretax return on assets | 0.8215% | 4,410 |
| Return on Equity (ROE) | 5.8411% | 4,411 |
| Retained earnings to average equity (ytd only) | 2.7989% | 4,869 |
| Net charge-offs to loans | -0.1563% | 6,950 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9411% | 3,513 |
| Assets per employee ($millions) | 5.9643% | 1,272 |
| Cash dividends to net income (ytd only)* | 52.0838% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7247% | 3,054 |
| Loan loss allowance to noncurrent loans | 110.9715% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.7150% | 4,898 |
| Noncurrent loans to loans | 1.5542% | 3,453 |
| Net loans and leases to total assets | 45.2102% | 5,850 |
| Net loans and leases to deposits | 55.0608% | 5,713 |
| Net loans and leases to core deposits | 57.3790% | 5,779 |
| Total domestic deposits to total assets | 82.1096% | 4,979 |
| Equity capital to assets | 12.0371% | 2,224 |
| Core capital (leverage) ratio | 11.3179% | 2,122 |
| Tier 1 risk-based capital ratio | 20.3992% | 1,656 |
| Total risk-based capital ratio | 21.6547% | 1,625 |
| Memoranda: | ||
| Average total assets | $165,865,000 | 3,557 |
| Average earning assets | $156,825,250 | 3,470 |
| Average equity | $19,721,750 | 3,263 |
| Average total loans | $73,369,250 | 4,280 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2863% | 6,821 |
| Cost of funding earning assets | 0.7457% | 3,636 |
| Net interest margin | 2.5406% | 6,858 |
| Noninterest income to average assets | 0.3469% | 5,063 |
| Noninterest expense to average assets | 1.9941% | 6,448 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6345% | 4,200 |
| Return on assets (ROA) | 0.6345% | 4,447 |
| Pretax return on assets | 0.7493% | 4,658 |
| Return on Equity (ROE) | 5.3585% | 4,643 |
| Retained earnings to average equity (ytd only) | 2.2965% | 5,044 |
| Net charge-offs to loans | -0.0138% | 6,353 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6872% | 3,301 |
| Assets per employee ($millions) | 6.2213% | 1,109 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 3,339 |
| Loan loss allowance to noncurrent loans | 95.3988% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.7763% | 4,856 |
| Noncurrent loans to loans | 1.7562% | 3,265 |
| Net loans and leases to total assets | 43.4622% | 6,070 |
| Net loans and leases to deposits | 52.9190% | 5,960 |
| Net loans and leases to core deposits | 54.7600% | 6,041 |
| Total domestic deposits to total assets | 82.1296% | 5,084 |
| Equity capital to assets | 11.7082% | 2,404 |
| Core capital (leverage) ratio | 10.9915% | 2,299 |
| Tier 1 risk-based capital ratio | 20.6191% | 1,546 |
| Total risk-based capital ratio | 21.8724% | 1,530 |
| Memoranda: | ||
| Average total assets | $165,486,670 | 3,578 |
| Average earning assets | $156,102,000 | 3,496 |
| Average equity | $19,595,000 | 3,272 |
| Average total loans | $72,217,000 | 4,339 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2990% | 6,892 |
| Cost of funding earning assets | 0.8022% | 3,458 |
| Net interest margin | 2.4968% | 6,954 |
| Noninterest income to average assets | 0.3702% | 4,905 |
| Noninterest expense to average assets | 1.9849% | 6,491 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6259% | 4,237 |
| Return on assets (ROA) | 0.6259% | 4,447 |
| Pretax return on assets | 0.7428% | 4,636 |
| Return on Equity (ROE) | 5.2559% | 4,666 |
| Retained earnings to average equity (ytd only) | 2.1883% | 5,168 |
| Net charge-offs to loans | 0.0169% | 4,448 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 101.6667% | 341 |
| Efficiency ratio | 72.7679% | 3,299 |
| Assets per employee ($millions) | 5.9720% | 1,298 |
| Cash dividends to net income (ytd only)* | 58.3658% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8247% | 2,907 |
| Loan loss allowance to noncurrent loans | 93.1424% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.9640% | 4,578 |
| Noncurrent loans to loans | 1.9591% | 3,213 |
| Net loans and leases to total assets | 39.7687% | 6,364 |
| Net loans and leases to deposits | 47.7116% | 6,305 |
| Net loans and leases to core deposits | 49.3093% | 6,378 |
| Total domestic deposits to total assets | 83.3522% | 4,787 |
| Equity capital to assets | 11.6639% | 2,291 |
| Core capital (leverage) ratio | 11.2587% | 2,069 |
| Tier 1 risk-based capital ratio | 22.4624% | 1,215 |
| Total risk-based capital ratio | 23.7184% | 1,190 |
| Memoranda: | ||
| Average total assets | $164,242,000 | 3,613 |
| Average earning assets | $155,077,000 | 3,529 |
| Average equity | $19,559,000 | 3,279 |
| Average total loans | $71,200,500 | 4,409 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8564% | 6,668 |
| Cost of funding earning assets | 0.9098% | 4,055 |
| Net interest margin | 2.9466% | 6,612 |
| Noninterest income to average assets | 0.3955% | 4,651 |
| Noninterest expense to average assets | 2.2119% | 6,243 |
| Loan and lease loss provision to assets | 0.0724% | 5,711 |
| Net operating income to assets | 0.7249% | 3,362 |
| Return on assets (ROA) | 0.7891% | 3,251 |
| Pretax return on assets | 0.9648% | 3,376 |
| Return on Equity (ROE) | 6.3771% | 3,703 |
| Retained earnings to average equity (ytd only) | 4.5156% | 2,959 |
| Net charge-offs to loans | 0.0199% | 6,165 |
| Credit loss provision to net charge-offs | 785.7143% | 281 |
| Earnings coverage of net charge-offs (x) | 104.0714% | 299 |
| Efficiency ratio | 69.7592% | 4,010 |
| Assets per employee ($millions) | 5.7595% | 1,401 |
| Cash dividends to net income (ytd only)* | 29.1910% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6594% | 3,338 |
| Loan loss allowance to noncurrent loans | 91.6420% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.0151% | 4,586 |
| Noncurrent loans to loans | 1.8108% | 3,454 |
| Net loans and leases to total assets | 45.5307% | 6,051 |
| Net loans and leases to deposits | 54.9588% | 5,983 |
| Net loans and leases to core deposits | 56.9909% | 6,079 |
| Total domestic deposits to total assets | 82.8452% | 4,813 |
| Equity capital to assets | 12.1624% | 2,002 |
| Core capital (leverage) ratio | 11.8845% | 1,667 |
| Tier 1 risk-based capital ratio | 20.5888% | 1,499 |
| Total risk-based capital ratio | 21.8433% | 1,466 |
| Memoranda: | ||
| Average total assets | $151,947,600 | 3,764 |
| Average earning assets | $143,112,800 | 3,690 |
| Average equity | $18,801,600 | 3,311 |
| Average total loans | $70,362,200 | 4,476 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8958% | 6,736 |
| Cost of funding earning assets | 0.9593% | 3,962 |
| Net interest margin | 2.9364% | 6,695 |
| Noninterest income to average assets | 0.3876% | 4,756 |
| Noninterest expense to average assets | 2.2368% | 6,196 |
| Loan and lease loss provision to assets | 0.0802% | 5,436 |
| Net operating income to assets | 0.6928% | 3,661 |
| Return on assets (ROA) | 0.7797% | 3,421 |
| Pretax return on assets | 0.9508% | 3,588 |
| Return on Equity (ROE) | 6.2728% | 3,891 |
| Retained earnings to average equity (ytd only) | 4.8390% | 3,289 |
| Net charge-offs to loans | 0.0019% | 6,174 |
| Credit loss provision to net charge-offs | 9,000.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 1,040.5789% | 23 |
| Efficiency ratio | 70.7441% | 3,800 |
| Assets per employee ($millions) | 5.3930% | 1,702 |
| Cash dividends to net income (ytd only)* | 22.8571% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6957% | 3,289 |
| Loan loss allowance to noncurrent loans | 88.0000% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.1159% | 4,548 |
| Noncurrent loans to loans | 1.9270% | 3,467 |
| Net loans and leases to total assets | 47.2977% | 6,027 |
| Net loans and leases to deposits | 57.4789% | 5,892 |
| Net loans and leases to core deposits | 59.7635% | 6,011 |
| Total domestic deposits to total assets | 82.2871% | 4,977 |
| Equity capital to assets | 12.8163% | 1,708 |
| Core capital (leverage) ratio | 12.1211% | 1,637 |
| Tier 1 risk-based capital ratio | 20.8951% | 1,475 |
| Total risk-based capital ratio | 22.1496% | 1,449 |
| Memoranda: | ||
| Average total assets | $149,617,750 | 3,829 |
| Average earning assets | $141,346,250 | 3,740 |
| Average equity | $18,598,500 | 3,339 |
| Average total loans | $69,286,500 | 4,560 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8611% | 6,854 |
| Cost of funding earning assets | 1.0306% | 3,743 |
| Net interest margin | 2.8305% | 6,888 |
| Noninterest income to average assets | 0.3701% | 4,906 |
| Noninterest expense to average assets | 2.2084% | 6,363 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7037% | 3,529 |
| Return on assets (ROA) | 0.7026% | 3,642 |
| Pretax return on assets | 0.8340% | 3,894 |
| Return on Equity (ROE) | 5.7121% | 4,109 |
| Retained earnings to average equity (ytd only) | 4.6220% | 3,241 |
| Net charge-offs to loans | 0.0088% | 5,730 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 207.6667% | 176 |
| Efficiency ratio | 72.5551% | 3,624 |
| Assets per employee ($millions) | 5.0326% | 2,078 |
| Cash dividends to net income (ytd only)* | 19.0840% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6103% | 3,653 |
| Loan loss allowance to noncurrent loans | 47.3029% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 1.5963% | 3,807 |
| Noncurrent loans to loans | 3.4042% | 2,085 |
| Net loans and leases to total assets | 46.1352% | 6,255 |
| Net loans and leases to deposits | 56.1355% | 6,122 |
| Net loans and leases to core deposits | 58.3685% | 6,246 |
| Total domestic deposits to total assets | 82.1855% | 5,103 |
| Equity capital to assets | 12.5071% | 1,775 |
| Core capital (leverage) ratio | 11.7894% | 1,727 |
| Tier 1 risk-based capital ratio | 21.0753% | 1,406 |
| Total risk-based capital ratio | 22.3291% | 1,384 |
| Memoranda: | ||
| Average total assets | $149,156,000 | 3,863 |
| Average earning assets | $140,893,670 | 3,777 |
| Average equity | $18,347,000 | 3,364 |
| Average total loans | $68,164,330 | 4,638 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8376% | 6,904 |
| Cost of funding earning assets | 1.0604% | 3,782 |
| Net interest margin | 2.7772% | 6,941 |
| Noninterest income to average assets | 0.3939% | 4,751 |
| Noninterest expense to average assets | 2.2908% | 6,211 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6256% | 3,890 |
| Return on assets (ROA) | 0.6233% | 3,973 |
| Pretax return on assets | 0.7150% | 4,244 |
| Return on Equity (ROE) | 5.1109% | 4,335 |
| Retained earnings to average equity (ytd only) | 4.0046% | 3,771 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1435% | 3,141 |
| Assets per employee ($millions) | 5.1694% | 1,934 |
| Cash dividends to net income (ytd only)* | 21.6450% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7962% | 3,023 |
| Loan loss allowance to noncurrent loans | 48.0454% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 1.5869% | 3,867 |
| Noncurrent loans to loans | 3.7385% | 1,976 |
| Net loans and leases to total assets | 41.6858% | 6,653 |
| Net loans and leases to deposits | 49.8234% | 6,636 |
| Net loans and leases to core deposits | 51.7519% | 6,693 |
| Total domestic deposits to total assets | 83.6671% | 4,634 |
| Equity capital to assets | 12.0971% | 1,861 |
| Core capital (leverage) ratio | 11.8199% | 1,665 |
| Tier 1 risk-based capital ratio | 22.7491% | 1,119 |
| Total risk-based capital ratio | 24.0050% | 1,097 |
| Memoranda: | ||
| Average total assets | $148,245,000 | 3,904 |
| Average earning assets | $139,566,500 | 3,830 |
| Average equity | $18,079,000 | 3,390 |
| Average total loans | $66,849,500 | 4,739 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3206% | 6,750 |
| Cost of funding earning assets | 1.2341% | 4,329 |
| Net interest margin | 3.0865% | 6,551 |
| Noninterest income to average assets | 0.4175% | 4,762 |
| Noninterest expense to average assets | 2.4006% | 6,085 |
| Loan and lease loss provision to assets | 0.7921% | 2,061 |
| Net operating income to assets | 0.2426% | 5,124 |
| Return on assets (ROA) | 0.2383% | 5,296 |
| Pretax return on assets | 0.1349% | 5,633 |
| Return on Equity (ROE) | 1.8138% | 5,463 |
| Retained earnings to average equity (ytd only) | 1.2707% | 4,917 |
| Net charge-offs to loans | 1.3755% | 1,625 |
| Credit loss provision to net charge-offs | 110.6680% | 3,977 |
| Earnings coverage of net charge-offs (x) | 1.3011% | 4,797 |
| Efficiency ratio | 72.0497% | 3,785 |
| Assets per employee ($millions) | 5.0544% | 2,078 |
| Cash dividends to net income (ytd only)* | 29.9401% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6299% | 3,464 |
| Loan loss allowance to noncurrent loans | 47.4252% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 1.6428% | 3,838 |
| Noncurrent loans to loans | 3.4369% | 2,208 |
| Net loans and leases to total assets | 47.0207% | 6,474 |
| Net loans and leases to deposits | 56.2353% | 6,422 |
| Net loans and leases to core deposits | 58.3570% | 6,531 |
| Total domestic deposits to total assets | 83.6142% | 4,548 |
| Equity capital to assets | 12.2958% | 1,746 |
| Core capital (leverage) ratio | 12.2747% | 1,401 |
| Tier 1 risk-based capital ratio | 20.8534% | 1,340 |
| Total risk-based capital ratio | 22.1071% | 1,317 |
| Memoranda: | ||
| Average total assets | $140,132,200 | 4,054 |
| Average earning assets | $132,318,400 | 3,966 |
| Average equity | $18,414,400 | 3,366 |
| Average total loans | $72,921,200 | 4,572 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3834% | 6,845 |
| Cost of funding earning assets | 1.2782% | 4,380 |
| Net interest margin | 3.1052% | 6,603 |
| Noninterest income to average assets | 0.4226% | 4,777 |
| Noninterest expense to average assets | 2.3900% | 6,064 |
| Loan and lease loss provision to assets | 0.5958% | 2,560 |
| Net operating income to assets | 0.4004% | 4,749 |
| Return on assets (ROA) | 0.3946% | 4,954 |
| Pretax return on assets | 0.3725% | 5,304 |
| Return on Equity (ROE) | 2.9529% | 5,241 |
| Retained earnings to average equity (ytd only) | 2.9529% | 4,367 |
| Net charge-offs to loans | 0.9379% | 2,115 |
| Credit loss provision to net charge-offs | 119.4981% | 3,456 |
| Earnings coverage of net charge-offs (x) | 1.9537% | 4,243 |
| Efficiency ratio | 71.0443% | 3,874 |
| Assets per employee ($millions) | 4.9008% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 3,606 |
| Loan loss allowance to noncurrent loans | 39.5268% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 2.0222% | 3,439 |
| Noncurrent loans to loans | 4.0059% | 1,875 |
| Net loans and leases to total assets | 49.6809% | 6,356 |
| Net loans and leases to deposits | 59.8672% | 6,326 |
| Net loans and leases to core deposits | 62.4176% | 6,420 |
| Total domestic deposits to total assets | 82.9852% | 4,592 |
| Equity capital to assets | 13.2779% | 1,459 |
| Core capital (leverage) ratio | 12.8344% | 1,289 |
| Tier 1 risk-based capital ratio | 21.3478% | 1,306 |
| Total risk-based capital ratio | 22.6019% | 1,285 |
| Memoranda: | ||
| Average total assets | $138,520,750 | 4,134 |
| Average earning assets | $131,219,250 | 4,041 |
| Average equity | $18,512,250 | 3,390 |
| Average total loans | $73,635,500 | 4,617 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4943% | 6,724 |
| Cost of funding earning assets | 1.2709% | 4,710 |
| Net interest margin | 3.2234% | 6,246 |
| Noninterest income to average assets | 0.4165% | 4,785 |
| Noninterest expense to average assets | 2.3726% | 6,140 |
| Loan and lease loss provision to assets | 0.5622% | 2,525 |
| Net operating income to assets | 0.5025% | 4,316 |
| Return on assets (ROA) | 0.5025% | 4,465 |
| Pretax return on assets | 0.5403% | 4,777 |
| Return on Equity (ROE) | 3.7515% | 4,898 |
| Retained earnings to average equity (ytd only) | 3.7515% | 3,709 |
| Net charge-offs to loans | 0.7325% | 2,396 |
| Credit loss provision to net charge-offs | 141.9118% | 2,810 |
| Earnings coverage of net charge-offs (x) | 2.7831% | 3,597 |
| Efficiency ratio | 68.2733% | 4,527 |
| Assets per employee ($millions) | 4.8935% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 3,486 |
| Loan loss allowance to noncurrent loans | 43.8717% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 1.9114% | 3,604 |
| Noncurrent loans to loans | 3.6287% | 2,174 |
| Net loans and leases to total assets | 51.8366% | 6,228 |
| Net loans and leases to deposits | 63.0588% | 6,134 |
| Net loans and leases to core deposits | 66.5920% | 6,197 |
| Total domestic deposits to total assets | 82.2037% | 4,908 |
| Equity capital to assets | 13.6056% | 1,301 |
| Core capital (leverage) ratio | 12.8107% | 1,277 |
| Tier 1 risk-based capital ratio | 21.4691% | 1,274 |
| Total risk-based capital ratio | 22.7229% | 1,251 |
| Memoranda: | ||
| Average total assets | $137,320,000 | 4,188 |
| Average earning assets | $130,298,330 | 4,080 |
| Average equity | $18,392,670 | 3,398 |
| Average total loans | $74,266,000 | 4,630 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 6,757 |
| Cost of funding earning assets | 1.2984% | 4,823 |
| Net interest margin | 3.2168% | 6,240 |
| Noninterest income to average assets | 0.4103% | 4,815 |
| Noninterest expense to average assets | 2.3452% | 6,265 |
| Loan and lease loss provision to assets | 0.4394% | 2,766 |
| Net operating income to assets | 0.5878% | 3,949 |
| Return on assets (ROA) | 0.5878% | 4,094 |
| Pretax return on assets | 0.6750% | 4,319 |
| Return on Equity (ROE) | 4.4230% | 4,695 |
| Retained earnings to average equity (ytd only) | 4.4230% | 3,499 |
| Net charge-offs to loans | 0.4355% | 2,743 |
| Credit loss provision to net charge-offs | 184.1463% | 1,990 |
| Earnings coverage of net charge-offs (x) | 4.6707% | 2,577 |
| Efficiency ratio | 67.7881% | 4,763 |
| Assets per employee ($millions) | 5.1998% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5103% | 3,858 |
| Loan loss allowance to noncurrent loans | 34.3711% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 2.3758% | 3,052 |
| Noncurrent loans to loans | 4.3942% | 1,713 |
| Net loans and leases to total assets | 53.2508% | 6,123 |
| Net loans and leases to deposits | 65.3703% | 5,891 |
| Net loans and leases to core deposits | 68.7980% | 6,022 |
| Total domestic deposits to total assets | 81.4603% | 5,284 |
| Equity capital to assets | 13.5773% | 1,292 |
| Core capital (leverage) ratio | 12.7138% | 1,320 |
| Tier 1 risk-based capital ratio | 20.7743% | 1,377 |
| Total risk-based capital ratio | 22.0279% | 1,350 |
| Memoranda: | ||
| Average total assets | $137,471,500 | 4,237 |
| Average earning assets | $130,317,500 | 4,146 |
| Average equity | $18,268,000 | 3,441 |
| Average total loans | $75,312,000 | 4,667 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0648% | 6,212 |
| Cost of funding earning assets | 1.5720% | 5,173 |
| Net interest margin | 3.4928% | 4,987 |
| Noninterest income to average assets | 0.4302% | 4,957 |
| Noninterest expense to average assets | 2.5287% | 6,032 |
| Loan and lease loss provision to assets | 0.9333% | 2,414 |
| Net operating income to assets | 0.3300% | 4,416 |
| Return on assets (ROA) | 0.3271% | 4,512 |
| Pretax return on assets | 0.2762% | 4,828 |
| Return on Equity (ROE) | 2.4315% | 4,740 |
| Retained earnings to average equity (ytd only) | 0.2410% | 4,766 |
| Net charge-offs to loans | 1.5837% | 1,592 |
| Credit loss provision to net charge-offs | 101.1981% | 5,453 |
| Earnings coverage of net charge-offs (x) | 1.3147% | 4,813 |
| Efficiency ratio | 67.5920% | 5,081 |
| Assets per employee ($millions) | 4.6582% | 2,673 |
| Cash dividends to net income (ytd only)* | 90.0901% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 4,567 |
| Loan loss allowance to noncurrent loans | 34.1810% | 6,154 |
| Noncurrent assets plus other real estate owned to assets | 2.1668% | 3,177 |
| Noncurrent loans to loans | 3.9057% | 1,901 |
| Net loans and leases to total assets | 54.7361% | 6,120 |
| Net loans and leases to deposits | 66.8286% | 5,965 |
| Net loans and leases to core deposits | 84.0257% | 5,710 |
| Total domestic deposits to total assets | 81.9052% | 4,993 |
| Equity capital to assets | 13.0092% | 1,501 |
| Core capital (leverage) ratio | 12.7290% | 1,341 |
| Tier 1 risk-based capital ratio | 19.5509% | 1,555 |
| Total risk-based capital ratio | 20.7095% | 1,525 |
| Memoranda: | ||
| Average total assets | $135,759,000 | 4,219 |
| Average earning assets | $128,693,200 | 4,113 |
| Average equity | $18,260,400 | 3,469 |
| Average total loans | $79,055,800 | 4,550 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0956% | 6,280 |
| Cost of funding earning assets | 1.6364% | 5,223 |
| Net interest margin | 3.4592% | 5,037 |
| Noninterest income to average assets | 0.4165% | 5,159 |
| Noninterest expense to average assets | 2.5387% | 5,942 |
| Loan and lease loss provision to assets | 1.1566% | 1,678 |
| Net operating income to assets | 0.1524% | 5,312 |
| Return on assets (ROA) | 0.1484% | 5,389 |
| Pretax return on assets | 0.0049% | 5,695 |
| Return on Equity (ROE) | 1.0941% | 5,465 |
| Retained earnings to average equity (ytd only) | -1.8234% | 5,684 |
| Net charge-offs to loans | 1.9084% | 1,050 |
| Credit loss provision to net charge-offs | 102.8144% | 4,949 |
| Earnings coverage of net charge-offs (x) | 1.0361% | 5,019 |
| Efficiency ratio | 68.5363% | 4,879 |
| Assets per employee ($millions) | 4.4121% | 3,008 |
| Cash dividends to net income (ytd only)* | 266.6600% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 4,398 |
| Loan loss allowance to noncurrent loans | 38.4222% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 2.0685% | 3,253 |
| Noncurrent loans to loans | 3.4266% | 2,189 |
| Net loans and leases to total assets | 59.5721% | 5,651 |
| Net loans and leases to deposits | 73.6116% | 5,423 |
| Net loans and leases to core deposits | 92.3953% | 5,193 |
| Total domestic deposits to total assets | 80.9276% | 5,105 |
| Equity capital to assets | 13.7560% | 1,395 |
| Core capital (leverage) ratio | 12.8438% | 1,432 |
| Tier 1 risk-based capital ratio | 19.1073% | 1,723 |
| Total risk-based capital ratio | 20.2780% | 1,700 |
| Memoranda: | ||
| Average total assets | $134,762,000 | 4,260 |
| Average earning assets | $128,081,500 | 4,146 |
| Average equity | $18,280,500 | 3,486 |
| Average total loans | $79,438,000 | 4,564 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0558% | 6,597 |
| Cost of funding earning assets | 1.7055% | 5,241 |
| Net interest margin | 3.3503% | 5,362 |
| Noninterest income to average assets | 0.3924% | 5,354 |
| Noninterest expense to average assets | 2.5479% | 5,954 |
| Loan and lease loss provision to assets | 0.0148% | 7,074 |
| Net operating income to assets | 0.7834% | 2,918 |
| Return on assets (ROA) | 0.7834% | 3,011 |
| Pretax return on assets | 1.0091% | 2,977 |
| Return on Equity (ROE) | 5.8018% | 3,746 |
| Retained earnings to average equity (ytd only) | 1.4313% | 4,530 |
| Net charge-offs to loans | 0.0050% | 6,538 |
| Credit loss provision to net charge-offs | 500.0000% | 917 |
| Earnings coverage of net charge-offs (x) | 347.0000% | 108 |
| Efficiency ratio | 71.3342% | 4,535 |
| Assets per employee ($millions) | 4.3185% | 3,081 |
| Cash dividends to net income (ytd only)* | 75.3296% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 4,394 |
| Loan loss allowance to noncurrent loans | 29.9098% | 6,486 |
| Noncurrent assets plus other real estate owned to assets | 2.5673% | 2,511 |
| Noncurrent loans to loans | 4.2789% | 1,537 |
| Net loans and leases to total assets | 59.2321% | 5,800 |
| Net loans and leases to deposits | 72.8357% | 5,628 |
| Net loans and leases to core deposits | 91.3066% | 5,419 |
| Total domestic deposits to total assets | 81.3229% | 4,954 |
| Equity capital to assets | 13.6097% | 1,457 |
| Core capital (leverage) ratio | 12.7492% | 1,522 |
| Tier 1 risk-based capital ratio | 19.4000% | 1,703 |
| Total risk-based capital ratio | 20.5363% | 1,678 |
| Memoranda: | ||
| Average total assets | $135,561,330 | 4,269 |
| Average earning assets | $128,645,000 | 4,171 |
| Average equity | $18,304,670 | 3,506 |
| Average total loans | $79,282,670 | 4,610 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0699% | 6,741 |
| Cost of funding earning assets | 1.7551% | 5,334 |
| Net interest margin | 3.3148% | 5,444 |
| Noninterest income to average assets | 0.4047% | 5,179 |
| Noninterest expense to average assets | 2.2961% | 6,556 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9648% | 2,462 |
| Return on assets (ROA) | 0.9648% | 2,588 |
| Pretax return on assets | 1.2434% | 2,476 |
| Return on Equity (ROE) | 7.1728% | 3,524 |
| Retained earnings to average equity (ytd only) | 2.8124% | 4,310 |
| Net charge-offs to loans | -0.0152% | 7,373 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8716% | 5,524 |
| Assets per employee ($millions) | 4.3874% | 2,909 |
| Cash dividends to net income (ytd only)* | 60.7903% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 3,893 |
| Loan loss allowance to noncurrent loans | 44.0379% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 1.7080% | 3,358 |
| Noncurrent loans to loans | 3.0286% | 2,156 |
| Net loans and leases to total assets | 55.6426% | 6,293 |
| Net loans and leases to deposits | 70.1986% | 5,957 |
| Net loans and leases to core deposits | 87.3619% | 5,798 |
| Total domestic deposits to total assets | 79.2646% | 5,621 |
| Equity capital to assets | 13.5293% | 1,524 |
| Core capital (leverage) ratio | 12.8774% | 1,526 |
| Tier 1 risk-based capital ratio | 20.4151% | 1,541 |
| Total risk-based capital ratio | 21.6051% | 1,521 |
| Memoranda: | ||
| Average total assets | $136,404,500 | 4,274 |
| Average earning assets | $128,997,500 | 4,174 |
| Average equity | $18,347,000 | 3,507 |
| Average total loans | $78,761,500 | 4,654 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8784% | 6,146 |
| Cost of funding earning assets | 2.1933% | 5,626 |
| Net interest margin | 3.6850% | 4,529 |
| Noninterest income to average assets | 0.3610% | 5,834 |
| Noninterest expense to average assets | 2.3818% | 6,461 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0996% | 2,152 |
| Return on assets (ROA) | 1.1078% | 2,030 |
| Pretax return on assets | 1.4588% | 1,792 |
| Return on Equity (ROE) | 8.1783% | 2,991 |
| Retained earnings to average equity (ytd only) | 3.6316% | 2,889 |
| Net charge-offs to loans | 0.0248% | 6,495 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 434 |
| Efficiency ratio | 62.1910% | 5,914 |
| Assets per employee ($millions) | 4.5600% | 2,525 |
| Cash dividends to net income (ytd only)* | 55.5942% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 4,037 |
| Loan loss allowance to noncurrent loans | 990.2913% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 7,269 |
| Noncurrent loans to loans | 0.1274% | 7,030 |
| Net loans and leases to total assets | 58.3341% | 6,157 |
| Net loans and leases to deposits | 73.4349% | 5,901 |
| Net loans and leases to core deposits | 91.9102% | 5,648 |
| Total domestic deposits to total assets | 79.4364% | 5,228 |
| Equity capital to assets | 13.3721% | 1,642 |
| Core capital (leverage) ratio | 13.2671% | 1,451 |
| Tier 1 risk-based capital ratio | 19.2955% | 1,751 |
| Total risk-based capital ratio | 20.4254% | 1,732 |
| Memoranda: | ||
| Average total assets | $129,900,400 | 4,288 |
| Average earning assets | $122,278,800 | 4,206 |
| Average equity | $17,595,400 | 3,626 |
| Average total loans | $76,605,400 | 4,627 |