Home > Pinnacle Bank > Performance and Condition Ratios
Pinnacle Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6746% | 2,731 |
| Cost of funding earning assets | 1.6685% | 1,519 |
| Net interest margin | 3.0061% | 3,268 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.0685% | 3,478 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.7078% | 3,176 |
| Return on assets (ROA) | 0.7056% | 3,154 |
| Pretax return on assets | 0.8960% | 2,971 |
| Return on Equity (ROE) | 6.4400% | 3,440 |
| Retained earnings to average equity (ytd only) | 2.4124% | 3,476 |
| Net charge-offs to loans | 0.0086% | 2,340 |
| Credit loss provision to net charge-offs | 1,242.0690% | 340 |
| Earnings coverage of net charge-offs (x) | 169.6621% | 656 |
| Efficiency ratio | 64.5190% | 2,540 |
| Assets per employee ($millions) | 9.4452% | 846 |
| Cash dividends to net income (ytd only)* | 62.5306% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 2,347 |
| Loan loss allowance to noncurrent loans | 1,633.6817% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,170 |
| Noncurrent loans to loans | 0.0729% | 3,194 |
| Net loans and leases to total assets | 64.1900% | 2,443 |
| Net loans and leases to deposits | 73.8979% | 2,624 |
| Net loans and leases to core deposits | 77.5437% | 2,876 |
| Total domestic deposits to total assets | 86.8700% | 1,725 |
| Equity capital to assets | 11.1567% | 1,413 |
| Core capital (leverage) ratio | 9.5569% | 3,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3912% | 1,723 |
| Memoranda: | ||
| Average total assets | $2,606,527,800 | 447 |
| Average earning assets | $2,402,357,800 | 440 |
| Average equity | $285,650,800 | 415 |
| Average total loans | $1,681,170,600 | 473 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5917% | 2,695 |
| Cost of funding earning assets | 1.4941% | 1,625 |
| Net interest margin | 3.0976% | 3,146 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.0746% | 3,412 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.7495% | 3,176 |
| Return on assets (ROA) | 0.7465% | 3,179 |
| Pretax return on assets | 0.9494% | 2,979 |
| Return on Equity (ROE) | 6.8400% | 3,471 |
| Retained earnings to average equity (ytd only) | 5.6686% | 2,730 |
| Net charge-offs to loans | 0.0058% | 2,241 |
| Credit loss provision to net charge-offs | 1,602.7397% | 293 |
| Earnings coverage of net charge-offs (x) | 270.8356% | 482 |
| Efficiency ratio | 63.1327% | 2,602 |
| Assets per employee ($millions) | 9.2440% | 857 |
| Cash dividends to net income (ytd only)* | 17.1621% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 3,178 |
| Loan loss allowance to noncurrent loans | 8,442.7885% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 3,615 |
| Noncurrent loans to loans | 0.0123% | 3,706 |
| Net loans and leases to total assets | 64.8000% | 2,358 |
| Net loans and leases to deposits | 74.3763% | 2,532 |
| Net loans and leases to core deposits | 78.1160% | 2,735 |
| Total domestic deposits to total assets | 87.1200% | 1,852 |
| Equity capital to assets | 11.0069% | 1,341 |
| Core capital (leverage) ratio | 9.9266% | 2,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5409% | 1,696 |
| Memoranda: | ||
| Average total assets | $2,601,721,000 | 451 |
| Average earning assets | $2,396,305,500 | 443 |
| Average equity | $283,826,500 | 417 |
| Average total loans | $1,674,983,000 | 473 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 2,792 |
| Cost of funding earning assets | 1.2870% | 1,746 |
| Net interest margin | 3.1524% | 3,096 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.0933% | 3,362 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.7613% | 3,190 |
| Return on assets (ROA) | 0.7567% | 3,221 |
| Pretax return on assets | 0.9619% | 3,012 |
| Return on Equity (ROE) | 6.9600% | 3,488 |
| Retained earnings to average equity (ytd only) | 6.9573% | 2,295 |
| Net charge-offs to loans | 0.0001% | 2,452 |
| Credit loss provision to net charge-offs | 106,900.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 13,678.0000% | 4 |
| Efficiency ratio | 62.6257% | 2,634 |
| Assets per employee ($millions) | 8.5010% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 3,275 |
| Loan loss allowance to noncurrent loans | 4,870.0000% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 3,519 |
| Noncurrent loans to loans | 0.0212% | 3,609 |
| Net loans and leases to total assets | 65.1800% | 2,252 |
| Net loans and leases to deposits | 76.1468% | 2,301 |
| Net loans and leases to core deposits | 79.9622% | 2,474 |
| Total domestic deposits to total assets | 85.5900% | 2,363 |
| Equity capital to assets | 11.1889% | 1,307 |
| Core capital (leverage) ratio | 9.8141% | 2,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5101% | 1,723 |
| Memoranda: | ||
| Average total assets | $2,606,184,000 | 435 |
| Average earning assets | $2,400,604,333 | 429 |
| Average equity | $283,470,667 | 402 |
| Average total loans | $1,668,388,333 | 457 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3374% | 2,710 |
| Cost of funding earning assets | 1.0388% | 1,921 |
| Net interest margin | 3.2987% | 2,878 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.1009% | 3,380 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.8523% | 3,013 |
| Return on assets (ROA) | 0.8432% | 2,997 |
| Pretax return on assets | 1.0767% | 2,778 |
| Return on Equity (ROE) | 7.8600% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.8633% | 2,259 |
| Net charge-offs to loans | -0.0080% | 3,776 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.2092% | 2,932 |
| Assets per employee ($millions) | 8.9970% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0353% | 3,362 |
| Loan loss allowance to noncurrent loans | 6,984.4898% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 3,588 |
| Noncurrent loans to loans | 0.0148% | 3,702 |
| Net loans and leases to total assets | 62.4800% | 2,418 |
| Net loans and leases to deposits | 70.4198% | 2,571 |
| Net loans and leases to core deposits | 74.0409% | 2,675 |
| Total domestic deposits to total assets | 88.7200% | 1,647 |
| Equity capital to assets | 11.0005% | 1,336 |
| Core capital (leverage) ratio | 9.5114% | 3,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3898% | 1,835 |
| Memoranda: | ||
| Average total assets | $2,621,379,500 | 447 |
| Average earning assets | $2,414,436,000 | 437 |
| Average equity | $281,104,500 | 412 |
| Average total loans | $1,654,402,000 | 466 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5366% | 2,981 |
| Cost of funding earning assets | 0.2025% | 3,739 |
| Net interest margin | 3.3342% | 2,473 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.9188% | 3,792 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0958% | 2,191 |
| Return on assets (ROA) | 1.0958% | 2,134 |
| Pretax return on assets | 1.3899% | 1,796 |
| Return on Equity (ROE) | 11.2800% | 2,387 |
| Retained earnings to average equity (ytd only) | 11.2833% | 827 |
| Net charge-offs to loans | 0.0107% | 1,975 |
| Credit loss provision to net charge-offs | 884.1727% | 469 |
| Earnings coverage of net charge-offs (x) | 232.7770% | 574 |
| Efficiency ratio | 54.7660% | 3,710 |
| Assets per employee ($millions) | 9.1133% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 3,423 |
| Loan loss allowance to noncurrent loans | 2,386.0870% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 3,561 |
| Noncurrent loans to loans | 0.0417% | 3,470 |
| Net loans and leases to total assets | 62.4700% | 2,390 |
| Net loans and leases to deposits | 70.0448% | 2,576 |
| Net loans and leases to core deposits | 73.4081% | 2,613 |
| Total domestic deposits to total assets | 89.1800% | 1,674 |
| Equity capital to assets | 10.4472% | 1,476 |
| Core capital (leverage) ratio | 8.8387% | 3,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0576% | 1,957 |
| Memoranda: | ||
| Average total assets | $2,239,450,000 | 501 |
| Average earning assets | $2,088,563,800 | 488 |
| Average equity | $217,490,200 | 489 |
| Average total loans | $1,299,306,600 | 542 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5005% | 2,617 |
| Cost of funding earning assets | 0.1296% | 4,040 |
| Net interest margin | 3.3709% | 2,066 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.8690% | 3,823 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.1754% | 1,793 |
| Return on assets (ROA) | 1.1754% | 1,764 |
| Pretax return on assets | 1.4904% | 1,437 |
| Return on Equity (ROE) | 12.3900% | 1,915 |
| Retained earnings to average equity (ytd only) | 12.3898% | 714 |
| Net charge-offs to loans | 0.0084% | 1,825 |
| Credit loss provision to net charge-offs | 1,222.3684% | 357 |
| Earnings coverage of net charge-offs (x) | 327.4605% | 443 |
| Efficiency ratio | 52.5396% | 3,970 |
| Assets per employee ($millions) | 9.3340% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 2,169 |
| Loan loss allowance to noncurrent loans | 4,193.0233% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 3,769 |
| Noncurrent loans to loans | 0.0303% | 3,683 |
| Net loans and leases to total assets | 58.6900% | 2,627 |
| Net loans and leases to deposits | 64.3212% | 2,844 |
| Net loans and leases to core deposits | 66.8298% | 2,893 |
| Total domestic deposits to total assets | 91.2500% | 1,138 |
| Equity capital to assets | 8.4856% | 2,555 |
| Core capital (leverage) ratio | 9.1372% | 3,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9727% | 1,721 |
| Memoranda: | ||
| Average total assets | $2,143,157,000 | 517 |
| Average earning assets | $2,005,838,250 | 505 |
| Average equity | $203,312,750 | 521 |
| Average total loans | $1,210,130,750 | 570 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3982% | 2,441 |
| Cost of funding earning assets | 0.1061% | 4,125 |
| Net interest margin | 3.2921% | 1,935 |
| Noninterest income to average assets | 0.2440% | 3,708 |
| Noninterest expense to average assets | 1.8541% | 3,826 |
| Loan and lease loss provision to assets | 0.0585% | 1,538 |
| Net operating income to assets | 1.1150% | 1,723 |
| Return on assets (ROA) | 1.1150% | 1,696 |
| Pretax return on assets | 1.4163% | 1,390 |
| Return on Equity (ROE) | 11.3529% | 1,875 |
| Retained earnings to average equity (ytd only) | 11.3529% | 725 |
| Net charge-offs to loans | 0.0072% | 1,732 |
| Credit loss provision to net charge-offs | 1,455.8140% | 313 |
| Earnings coverage of net charge-offs (x) | 367.3256% | 343 |
| Efficiency ratio | 53.4837% | 4,006 |
| Assets per employee ($millions) | 9.4790% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 2,202 |
| Loan loss allowance to noncurrent loans | 559.8947% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 2,804 |
| Noncurrent loans to loans | 0.2318% | 2,559 |
| Net loans and leases to total assets | 55.1884% | 2,836 |
| Net loans and leases to deposits | 60.7008% | 3,004 |
| Net loans and leases to core deposits | 62.8663% | 3,043 |
| Total domestic deposits to total assets | 90.9187% | 1,270 |
| Equity capital to assets | 8.8768% | 2,469 |
| Core capital (leverage) ratio | 8.9134% | 3,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1687% | 1,665 |
| Memoranda: | ||
| Average total assets | $2,141,939,667 | 515 |
| Average earning assets | $2,007,178,000 | 506 |
| Average equity | $210,360,333 | 512 |
| Average total loans | $1,188,100,000 | 570 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3186% | 2,325 |
| Cost of funding earning assets | 0.1044% | 4,076 |
| Net interest margin | 3.2142% | 1,837 |
| Noninterest income to average assets | 0.2417% | 3,697 |
| Noninterest expense to average assets | 1.9003% | 3,681 |
| Loan and lease loss provision to assets | 0.0615% | 1,311 |
| Net operating income to assets | 1.0098% | 1,838 |
| Return on assets (ROA) | 1.0098% | 1,833 |
| Pretax return on assets | 1.2931% | 1,530 |
| Return on Equity (ROE) | 9.7920% | 2,050 |
| Retained earnings to average equity (ytd only) | 9.7920% | 1,072 |
| Net charge-offs to loans | 0.0130% | 1,293 |
| Credit loss provision to net charge-offs | 855.2632% | 381 |
| Earnings coverage of net charge-offs (x) | 188.3421% | 448 |
| Efficiency ratio | 56.0912% | 3,870 |
| Assets per employee ($millions) | 9.1160% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 2,369 |
| Loan loss allowance to noncurrent loans | 4,424.0113% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 3,892 |
| Noncurrent loans to loans | 0.0294% | 3,786 |
| Net loans and leases to total assets | 55.8016% | 2,547 |
| Net loans and leases to deposits | 61.8805% | 2,722 |
| Net loans and leases to core deposits | 64.3041% | 2,772 |
| Total domestic deposits to total assets | 90.1764% | 1,457 |
| Equity capital to assets | 9.5330% | 2,252 |
| Core capital (leverage) ratio | 8.8984% | 3,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0794% | 1,774 |
| Memoranda: | ||
| Average total assets | $2,113,343,500 | 521 |
| Average earning assets | $1,981,188,500 | 516 |
| Average equity | $217,934,000 | 510 |
| Average total loans | $1,167,339,000 | 579 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6562% | 2,233 |
| Cost of funding earning assets | 0.1646% | 3,826 |
| Net interest margin | 3.4917% | 1,760 |
| Noninterest income to average assets | 0.2756% | 3,744 |
| Noninterest expense to average assets | 1.9411% | 3,833 |
| Loan and lease loss provision to assets | 0.1054% | 1,196 |
| Net operating income to assets | 1.1739% | 2,012 |
| Return on assets (ROA) | 1.1738% | 2,072 |
| Pretax return on assets | 1.4864% | 1,766 |
| Return on Equity (ROE) | 9.9252% | 2,548 |
| Retained earnings to average equity (ytd only) | 9.9252% | 934 |
| Net charge-offs to loans | 0.0196% | 1,885 |
| Credit loss provision to net charge-offs | 952.8037% | 551 |
| Earnings coverage of net charge-offs (x) | 143.8505% | 684 |
| Efficiency ratio | 52.6325% | 4,073 |
| Assets per employee ($millions) | 9.3881% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 2,087 |
| Loan loss allowance to noncurrent loans | 1,727.4157% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 3,704 |
| Noncurrent loans to loans | 0.0789% | 3,536 |
| Net loans and leases to total assets | 53.1785% | 2,944 |
| Net loans and leases to deposits | 60.0082% | 3,071 |
| Net loans and leases to core deposits | 62.5839% | 3,108 |
| Total domestic deposits to total assets | 88.6188% | 1,726 |
| Equity capital to assets | 11.1063% | 1,733 |
| Core capital (leverage) ratio | 8.8335% | 3,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0418% | 1,496 |
| Memoranda: | ||
| Average total assets | $1,933,715,000 | 554 |
| Average earning assets | $1,804,008,600 | 546 |
| Average equity | $228,690,800 | 482 |
| Average total loans | $1,094,598,600 | 609 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7604% | 2,120 |
| Cost of funding earning assets | 0.1817% | 3,795 |
| Net interest margin | 3.5787% | 1,654 |
| Noninterest income to average assets | 0.2626% | 3,832 |
| Noninterest expense to average assets | 1.9616% | 3,785 |
| Loan and lease loss provision to assets | 0.1221% | 960 |
| Net operating income to assets | 1.1954% | 2,186 |
| Return on assets (ROA) | 1.1953% | 2,240 |
| Pretax return on assets | 1.5116% | 1,967 |
| Return on Equity (ROE) | 9.9394% | 2,752 |
| Retained earnings to average equity (ytd only) | 9.9394% | 1,334 |
| Net charge-offs to loans | 0.0214% | 1,624 |
| Credit loss provision to net charge-offs | 997.1264% | 515 |
| Earnings coverage of net charge-offs (x) | 133.3736% | 728 |
| Efficiency ratio | 52.2411% | 4,006 |
| Assets per employee ($millions) | 8.8712% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 2,251 |
| Loan loss allowance to noncurrent loans | 45,787.8788% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 3,733 |
| Noncurrent loans to loans | 0.0029% | 4,201 |
| Net loans and leases to total assets | 54.3244% | 2,935 |
| Net loans and leases to deposits | 61.5219% | 3,092 |
| Net loans and leases to core deposits | 64.3387% | 3,104 |
| Total domestic deposits to total assets | 88.3008% | 1,665 |
| Equity capital to assets | 11.4385% | 1,716 |
| Core capital (leverage) ratio | 8.9769% | 3,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7387% | 1,708 |
| Memoranda: | ||
| Average total assets | $1,893,756,500 | 566 |
| Average earning assets | $1,763,712,250 | 558 |
| Average equity | $227,734,500 | 486 |
| Average total loans | $1,086,075,250 | 622 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8532% | 1,940 |
| Cost of funding earning assets | 0.2089% | 3,666 |
| Net interest margin | 3.6443% | 1,485 |
| Noninterest income to average assets | 0.3579% | 3,317 |
| Noninterest expense to average assets | 2.1196% | 3,334 |
| Loan and lease loss provision to assets | 0.1018% | 1,248 |
| Net operating income to assets | 1.2039% | 2,180 |
| Return on assets (ROA) | 1.2038% | 2,254 |
| Pretax return on assets | 1.5228% | 1,951 |
| Return on Equity (ROE) | 9.8331% | 2,811 |
| Retained earnings to average equity (ytd only) | 9.8331% | 1,451 |
| Net charge-offs to loans | 0.0224% | 1,497 |
| Credit loss provision to net charge-offs | 782.5000% | 547 |
| Earnings coverage of net charge-offs (x) | 124.9000% | 654 |
| Efficiency ratio | 54.3225% | 3,762 |
| Assets per employee ($millions) | 8.3702% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 2,294 |
| Loan loss allowance to noncurrent loans | 89,800.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 3,828 |
| Noncurrent loans to loans | 0.0015% | 4,267 |
| Net loans and leases to total assets | 54.9270% | 3,028 |
| Net loans and leases to deposits | 62.4594% | 3,158 |
| Net loans and leases to core deposits | 65.5451% | 3,153 |
| Total domestic deposits to total assets | 87.9403% | 1,861 |
| Equity capital to assets | 11.8166% | 1,453 |
| Core capital (leverage) ratio | 8.9932% | 3,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0510% | 1,611 |
| Memoranda: | ||
| Average total assets | $1,844,882,333 | 574 |
| Average earning assets | $1,714,424,667 | 568 |
| Average equity | $225,849,667 | 482 |
| Average total loans | $1,073,589,333 | 628 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9198% | 1,784 |
| Cost of funding earning assets | 0.2253% | 3,675 |
| Net interest margin | 3.6945% | 1,342 |
| Noninterest income to average assets | 0.3518% | 3,330 |
| Noninterest expense to average assets | 2.1628% | 3,226 |
| Loan and lease loss provision to assets | 0.0448% | 2,175 |
| Net operating income to assets | 1.2338% | 2,030 |
| Return on assets (ROA) | 1.2338% | 2,116 |
| Pretax return on assets | 1.5692% | 1,805 |
| Return on Equity (ROE) | 9.8928% | 2,731 |
| Retained earnings to average equity (ytd only) | 9.8928% | 1,680 |
| Net charge-offs to loans | 0.0396% | 1,075 |
| Credit loss provision to net charge-offs | 189.6226% | 907 |
| Earnings coverage of net charge-offs (x) | 68.3774% | 765 |
| Efficiency ratio | 54.9437% | 3,675 |
| Assets per employee ($millions) | 7.8832% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 2,562 |
| Loan loss allowance to noncurrent loans | 5,479.5181% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 3,772 |
| Noncurrent loans to loans | 0.0233% | 4,172 |
| Net loans and leases to total assets | 56.8138% | 2,943 |
| Net loans and leases to deposits | 64.7317% | 3,057 |
| Net loans and leases to core deposits | 68.0624% | 3,051 |
| Total domestic deposits to total assets | 87.7682% | 1,971 |
| Equity capital to assets | 12.0348% | 1,264 |
| Core capital (leverage) ratio | 9.3795% | 3,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1576% | 1,524 |
| Memoranda: | ||
| Average total assets | $1,796,375,500 | 580 |
| Average earning assets | $1,665,273,500 | 574 |
| Average equity | $224,041,000 | 479 |
| Average total loans | $1,069,887,500 | 634 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3067% | 1,850 |
| Cost of funding earning assets | 0.4267% | 3,422 |
| Net interest margin | 3.8800% | 1,274 |
| Noninterest income to average assets | 0.3840% | 3,184 |
| Noninterest expense to average assets | 2.3184% | 3,358 |
| Loan and lease loss provision to assets | 0.1684% | 2,281 |
| Net operating income to assets | 1.1488% | 1,729 |
| Return on assets (ROA) | 1.1488% | 1,856 |
| Pretax return on assets | 1.4542% | 1,494 |
| Return on Equity (ROE) | 8.6130% | 2,548 |
| Retained earnings to average equity (ytd only) | 6.0779% | 1,760 |
| Net charge-offs to loans | 0.0969% | 1,497 |
| Credit loss provision to net charge-offs | 274.1742% | 1,829 |
| Earnings coverage of net charge-offs (x) | 26.4204% | 1,719 |
| Efficiency ratio | 56.3676% | 3,941 |
| Assets per employee ($millions) | 7.4992% | 1,286 |
| Cash dividends to net income (ytd only)* | 29.4338% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 2,582 |
| Loan loss allowance to noncurrent loans | 2,195.9481% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 3,732 |
| Noncurrent loans to loans | 0.0577% | 4,061 |
| Net loans and leases to total assets | 60.9356% | 2,740 |
| Net loans and leases to deposits | 70.2839% | 2,851 |
| Net loans and leases to core deposits | 74.4826% | 2,867 |
| Total domestic deposits to total assets | 86.6993% | 2,078 |
| Equity capital to assets | 12.9412% | 1,115 |
| Core capital (leverage) ratio | 9.3132% | 3,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7732% | 1,607 |
| Memoranda: | ||
| Average total assets | $1,626,636,600 | 577 |
| Average earning assets | $1,491,234,800 | 575 |
| Average equity | $216,951,200 | 474 |
| Average total loans | $1,030,475,200 | 618 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3962% | 1,856 |
| Cost of funding earning assets | 0.4787% | 3,366 |
| Net interest margin | 3.9176% | 1,311 |
| Noninterest income to average assets | 0.3854% | 3,155 |
| Noninterest expense to average assets | 2.3320% | 3,333 |
| Loan and lease loss provision to assets | 0.1585% | 2,423 |
| Net operating income to assets | 1.1701% | 1,744 |
| Return on assets (ROA) | 1.1701% | 1,866 |
| Pretax return on assets | 1.4793% | 1,490 |
| Return on Equity (ROE) | 8.7028% | 2,523 |
| Retained earnings to average equity (ytd only) | 7.7732% | 1,380 |
| Net charge-offs to loans | 0.0694% | 1,624 |
| Credit loss provision to net charge-offs | 358.1921% | 1,584 |
| Earnings coverage of net charge-offs (x) | 37.0169% | 1,419 |
| Efficiency ratio | 56.2610% | 3,887 |
| Assets per employee ($millions) | 7.2276% | 1,361 |
| Cash dividends to net income (ytd only)* | 10.6815% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 2,563 |
| Loan loss allowance to noncurrent loans | 820.1618% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 3,565 |
| Noncurrent loans to loans | 0.1486% | 3,790 |
| Net loans and leases to total assets | 62.6445% | 2,925 |
| Net loans and leases to deposits | 72.4237% | 3,095 |
| Net loans and leases to core deposits | 77.3448% | 3,066 |
| Total domestic deposits to total assets | 86.4973% | 1,863 |
| Equity capital to assets | 13.1539% | 1,119 |
| Core capital (leverage) ratio | 9.4255% | 3,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9921% | 1,495 |
| Memoranda: | ||
| Average total assets | $1,600,218,250 | 570 |
| Average earning assets | $1,464,064,250 | 566 |
| Average equity | $215,143,500 | 471 |
| Average total loans | $1,020,808,250 | 623 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4963% | 1,928 |
| Cost of funding earning assets | 0.5487% | 3,245 |
| Net interest margin | 3.9476% | 1,450 |
| Noninterest income to average assets | 0.3738% | 3,237 |
| Noninterest expense to average assets | 2.3745% | 3,327 |
| Loan and lease loss provision to assets | 0.1475% | 2,535 |
| Net operating income to assets | 1.1446% | 1,824 |
| Return on assets (ROA) | 1.1446% | 1,952 |
| Pretax return on assets | 1.4494% | 1,590 |
| Return on Equity (ROE) | 8.4473% | 2,581 |
| Retained earnings to average equity (ytd only) | 7.0326% | 1,651 |
| Net charge-offs to loans | 0.1031% | 1,248 |
| Credit loss provision to net charge-offs | 223.6434% | 1,827 |
| Earnings coverage of net charge-offs (x) | 24.2171% | 1,584 |
| Efficiency ratio | 57.2513% | 3,779 |
| Assets per employee ($millions) | 7.1599% | 1,356 |
| Cash dividends to net income (ytd only)* | 16.7467% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 2,787 |
| Loan loss allowance to noncurrent loans | 1,819.7368% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 3,945 |
| Noncurrent loans to loans | 0.0631% | 4,226 |
| Net loans and leases to total assets | 63.1329% | 2,988 |
| Net loans and leases to deposits | 72.8043% | 3,180 |
| Net loans and leases to core deposits | 77.7796% | 3,128 |
| Total domestic deposits to total assets | 86.7159% | 1,730 |
| Equity capital to assets | 12.9394% | 1,195 |
| Core capital (leverage) ratio | 9.4623% | 3,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3957% | 1,665 |
| Memoranda: | ||
| Average total assets | $1,565,049,333 | 571 |
| Average earning assets | $1,426,287,667 | 568 |
| Average equity | $212,068,333 | 472 |
| Average total loans | $1,000,503,333 | 623 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6584% | 1,823 |
| Cost of funding earning assets | 0.6716% | 3,051 |
| Net interest margin | 3.9868% | 1,426 |
| Noninterest income to average assets | 0.4226% | 2,951 |
| Noninterest expense to average assets | 2.4833% | 3,327 |
| Loan and lease loss provision to assets | 0.0800% | 2,712 |
| Net operating income to assets | 1.1495% | 1,689 |
| Return on assets (ROA) | 1.1495% | 1,797 |
| Pretax return on assets | 1.4630% | 1,405 |
| Return on Equity (ROE) | 8.2720% | 2,400 |
| Retained earnings to average equity (ytd only) | 8.2720% | 1,149 |
| Net charge-offs to loans | 0.1773% | 752 |
| Credit loss provision to net charge-offs | 70.5882% | 1,977 |
| Earnings coverage of net charge-offs (x) | 13.6071% | 1,642 |
| Efficiency ratio | 59.0656% | 3,858 |
| Assets per employee ($millions) | 6.4068% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 2,587 |
| Loan loss allowance to noncurrent loans | 4,392.4812% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 4,097 |
| Noncurrent loans to loans | 0.0277% | 4,454 |
| Net loans and leases to total assets | 62.8475% | 3,210 |
| Net loans and leases to deposits | 73.3515% | 3,331 |
| Net loans and leases to core deposits | 79.7115% | 3,222 |
| Total domestic deposits to total assets | 85.6799% | 2,137 |
| Equity capital to assets | 14.0212% | 1,046 |
| Core capital (leverage) ratio | 9.9625% | 3,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0710% | 1,881 |
| Memoranda: | ||
| Average total assets | $1,499,122,000 | 571 |
| Average earning assets | $1,355,070,500 | 570 |
| Average equity | $208,317,500 | 477 |
| Average total loans | $958,879,000 | 621 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7503% | 2,191 |
| Cost of funding earning assets | 0.6986% | 3,162 |
| Net interest margin | 4.0517% | 1,682 |
| Noninterest income to average assets | 0.4181% | 3,187 |
| Noninterest expense to average assets | 2.5755% | 3,246 |
| Loan and lease loss provision to assets | 0.0690% | 2,630 |
| Net operating income to assets | 1.1510% | 2,250 |
| Return on assets (ROA) | 1.1509% | 2,350 |
| Pretax return on assets | 1.4521% | 1,975 |
| Return on Equity (ROE) | 8.3734% | 3,005 |
| Retained earnings to average equity (ytd only) | 7.3519% | 1,233 |
| Net charge-offs to loans | -0.0005% | 4,151 |
| Credit loss provision to net charge-offs | -19,660.0000% | 4,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0466% | 3,685 |
| Assets per employee ($millions) | 6.3244% | 1,404 |
| Cash dividends to net income (ytd only)* | 12.1988% | 3,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 2,258 |
| Loan loss allowance to noncurrent loans | 269.3044% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.3844% | 2,871 |
| Noncurrent loans to loans | 0.4588% | 2,804 |
| Net loans and leases to total assets | 63.5166% | 3,255 |
| Net loans and leases to deposits | 73.8665% | 3,366 |
| Net loans and leases to core deposits | 80.4542% | 3,259 |
| Total domestic deposits to total assets | 85.9884% | 2,073 |
| Equity capital to assets | 13.7685% | 1,182 |
| Core capital (leverage) ratio | 9.6483% | 3,902 |
| Tier 1 risk-based capital ratio | 13.4471% | 3,553 |
| Total risk-based capital ratio | 14.6058% | 3,489 |
| Memoranda: | ||
| Average total assets | $1,424,522,800 | 574 |
| Average earning assets | $1,293,322,400 | 578 |
| Average equity | $195,799,200 | 483 |
| Average total loans | $924,509,200 | 626 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7356% | 2,310 |
| Cost of funding earning assets | 0.6860% | 3,280 |
| Net interest margin | 4.0496% | 1,766 |
| Noninterest income to average assets | 0.4449% | 3,052 |
| Noninterest expense to average assets | 2.5695% | 3,246 |
| Loan and lease loss provision to assets | 0.0800% | 2,306 |
| Net operating income to assets | 1.1665% | 2,312 |
| Return on assets (ROA) | 1.1664% | 2,399 |
| Pretax return on assets | 1.4683% | 2,048 |
| Return on Equity (ROE) | 8.4899% | 3,113 |
| Retained earnings to average equity (ytd only) | 7.1124% | 1,812 |
| Net charge-offs to loans | -0.0044% | 4,169 |
| Credit loss provision to net charge-offs | -2,820.0000% | 4,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5506% | 3,722 |
| Assets per employee ($millions) | 6.3954% | 1,330 |
| Cash dividends to net income (ytd only)* | 16.2245% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 2,249 |
| Loan loss allowance to noncurrent loans | 1,813.4884% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 3,695 |
| Noncurrent loans to loans | 0.0688% | 4,328 |
| Net loans and leases to total assets | 62.4155% | 3,452 |
| Net loans and leases to deposits | 72.4681% | 3,591 |
| Net loans and leases to core deposits | 79.0195% | 3,471 |
| Total domestic deposits to total assets | 86.1283% | 1,932 |
| Equity capital to assets | 13.6014% | 1,314 |
| Core capital (leverage) ratio | 9.5859% | 4,077 |
| Tier 1 risk-based capital ratio | 13.4885% | 3,579 |
| Total risk-based capital ratio | 14.6787% | 3,517 |
| Memoranda: | ||
| Average total assets | $1,409,096,500 | 582 |
| Average earning assets | $1,278,077,000 | 584 |
| Average equity | $193,591,000 | 490 |
| Average total loans | $916,684,000 | 634 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7106% | 2,331 |
| Cost of funding earning assets | 0.6575% | 3,368 |
| Net interest margin | 4.0530% | 1,753 |
| Noninterest income to average assets | 0.4508% | 2,956 |
| Noninterest expense to average assets | 2.6260% | 3,128 |
| Loan and lease loss provision to assets | 0.0861% | 2,121 |
| Net operating income to assets | 1.1114% | 2,484 |
| Return on assets (ROA) | 1.1112% | 2,552 |
| Pretax return on assets | 1.4105% | 2,166 |
| Return on Equity (ROE) | 8.0597% | 3,267 |
| Retained earnings to average equity (ytd only) | 5.9638% | 2,296 |
| Net charge-offs to loans | 0.0409% | 2,074 |
| Credit loss provision to net charge-offs | 320.4301% | 856 |
| Earnings coverage of net charge-offs (x) | 55.6935% | 1,029 |
| Efficiency ratio | 60.8011% | 3,612 |
| Assets per employee ($millions) | 6.3017% | 1,336 |
| Cash dividends to net income (ytd only)* | 26.0044% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 2,501 |
| Loan loss allowance to noncurrent loans | 402.5448% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.3854% | 2,959 |
| Noncurrent loans to loans | 0.2992% | 3,466 |
| Net loans and leases to total assets | 64.4095% | 3,295 |
| Net loans and leases to deposits | 74.8440% | 3,441 |
| Net loans and leases to core deposits | 81.2151% | 3,320 |
| Total domestic deposits to total assets | 86.0583% | 2,003 |
| Equity capital to assets | 13.7220% | 1,232 |
| Core capital (leverage) ratio | 9.5319% | 4,116 |
| Tier 1 risk-based capital ratio | 13.0171% | 3,827 |
| Total risk-based capital ratio | 14.1636% | 3,784 |
| Memoranda: | ||
| Average total assets | $1,384,214,000 | 589 |
| Average earning assets | $1,254,077,330 | 592 |
| Average equity | $190,851,330 | 490 |
| Average total loans | $909,651,000 | 633 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6361% | 2,428 |
| Cost of funding earning assets | 0.6115% | 3,505 |
| Net interest margin | 4.0245% | 1,781 |
| Noninterest income to average assets | 0.4637% | 2,778 |
| Noninterest expense to average assets | 2.6282% | 3,130 |
| Loan and lease loss provision to assets | 0.0858% | 1,989 |
| Net operating income to assets | 1.0935% | 2,500 |
| Return on assets (ROA) | 1.0932% | 2,542 |
| Pretax return on assets | 1.3912% | 2,112 |
| Return on Equity (ROE) | 7.9094% | 3,304 |
| Retained earnings to average equity (ytd only) | 7.9094% | 1,701 |
| Net charge-offs to loans | 0.0138% | 2,210 |
| Credit loss provision to net charge-offs | 941.9355% | 391 |
| Earnings coverage of net charge-offs (x) | 162.1613% | 471 |
| Efficiency ratio | 61.0594% | 3,671 |
| Assets per employee ($millions) | 5.9347% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 2,429 |
| Loan loss allowance to noncurrent loans | 178.8285% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.6451% | 2,156 |
| Noncurrent loans to loans | 0.6876% | 2,300 |
| Net loans and leases to total assets | 64.3731% | 3,239 |
| Net loans and leases to deposits | 74.9663% | 3,357 |
| Net loans and leases to core deposits | 81.5225% | 3,224 |
| Total domestic deposits to total assets | 85.8693% | 2,335 |
| Equity capital to assets | 13.8419% | 1,095 |
| Core capital (leverage) ratio | 9.7429% | 3,876 |
| Tier 1 risk-based capital ratio | 13.2677% | 3,730 |
| Total risk-based capital ratio | 14.4428% | 3,684 |
| Memoranda: | ||
| Average total assets | $1,361,079,500 | 603 |
| Average earning assets | $1,231,646,000 | 601 |
| Average equity | $188,131,500 | 492 |
| Average total loans | $898,177,500 | 642 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5079% | 2,436 |
| Cost of funding earning assets | 0.4131% | 3,906 |
| Net interest margin | 4.0948% | 1,696 |
| Noninterest income to average assets | 0.5418% | 2,599 |
| Noninterest expense to average assets | 2.6548% | 3,167 |
| Loan and lease loss provision to assets | 0.1907% | 1,001 |
| Net operating income to assets | 1.2473% | 1,986 |
| Return on assets (ROA) | 1.2473% | 1,983 |
| Pretax return on assets | 1.3870% | 2,185 |
| Return on Equity (ROE) | 9.2048% | 2,885 |
| Retained earnings to average equity (ytd only) | 5.3042% | 2,598 |
| Net charge-offs to loans | 0.1053% | 1,706 |
| Credit loss provision to net charge-offs | 272.4919% | 1,104 |
| Earnings coverage of net charge-offs (x) | 22.5405% | 1,896 |
| Efficiency ratio | 59.7770% | 3,898 |
| Assets per employee ($millions) | 5.5118% | 1,942 |
| Cash dividends to net income (ytd only)* | 42.3754% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 2,523 |
| Loan loss allowance to noncurrent loans | 396.0835% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 2,864 |
| Noncurrent loans to loans | 0.3052% | 3,456 |
| Net loans and leases to total assets | 66.0242% | 3,132 |
| Net loans and leases to deposits | 77.7241% | 3,198 |
| Net loans and leases to core deposits | 85.7496% | 2,934 |
| Total domestic deposits to total assets | 84.9469% | 2,662 |
| Equity capital to assets | 13.8019% | 1,030 |
| Core capital (leverage) ratio | 9.4023% | 4,234 |
| Tier 1 risk-based capital ratio | 13.1623% | 3,751 |
| Total risk-based capital ratio | 14.3395% | 3,685 |
| Memoranda: | ||
| Average total assets | $1,324,402,600 | 595 |
| Average earning assets | $1,193,697,200 | 599 |
| Average equity | $179,460,000 | 491 |
| Average total loans | $880,547,800 | 632 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 2,510 |
| Cost of funding earning assets | 0.3696% | 4,052 |
| Net interest margin | 4.0682% | 1,727 |
| Noninterest income to average assets | 0.5819% | 2,406 |
| Noninterest expense to average assets | 2.6332% | 3,189 |
| Loan and lease loss provision to assets | 0.1976% | 887 |
| Net operating income to assets | 1.3271% | 1,752 |
| Return on assets (ROA) | 1.3271% | 1,762 |
| Pretax return on assets | 1.4153% | 2,177 |
| Return on Equity (ROE) | 9.8401% | 2,693 |
| Retained earnings to average equity (ytd only) | 5.3486% | 3,030 |
| Net charge-offs to loans | 0.1346% | 1,201 |
| Credit loss provision to net charge-offs | 221.1299% | 1,287 |
| Earnings coverage of net charge-offs (x) | 18.0520% | 2,073 |
| Efficiency ratio | 59.0684% | 3,956 |
| Assets per employee ($millions) | 5.7088% | 1,729 |
| Cash dividends to net income (ytd only)* | 45.6447% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 2,889 |
| Loan loss allowance to noncurrent loans | 361.3198% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 2,978 |
| Noncurrent loans to loans | 0.3192% | 3,525 |
| Net loans and leases to total assets | 64.9402% | 3,311 |
| Net loans and leases to deposits | 75.4622% | 3,461 |
| Net loans and leases to core deposits | 81.7871% | 3,341 |
| Total domestic deposits to total assets | 86.0566% | 2,161 |
| Equity capital to assets | 13.2663% | 1,225 |
| Core capital (leverage) ratio | 9.3913% | 4,285 |
| Tier 1 risk-based capital ratio | 12.8898% | 3,967 |
| Total risk-based capital ratio | 14.0123% | 3,947 |
| Memoranda: | ||
| Average total assets | $1,320,659,000 | 596 |
| Average earning assets | $1,189,496,000 | 603 |
| Average equity | $178,110,000 | 489 |
| Average total loans | $876,901,250 | 630 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3601% | 2,544 |
| Cost of funding earning assets | 0.3231% | 4,253 |
| Net interest margin | 4.0370% | 1,738 |
| Noninterest income to average assets | 0.6144% | 2,248 |
| Noninterest expense to average assets | 2.6488% | 3,166 |
| Loan and lease loss provision to assets | 0.2057% | 823 |
| Net operating income to assets | 1.4204% | 1,366 |
| Return on assets (ROA) | 1.4204% | 1,370 |
| Pretax return on assets | 1.3953% | 2,165 |
| Return on Equity (ROE) | 10.4725% | 2,346 |
| Retained earnings to average equity (ytd only) | 6.5266% | 2,299 |
| Net charge-offs to loans | 0.0975% | 1,378 |
| Credit loss provision to net charge-offs | 316.4706% | 972 |
| Earnings coverage of net charge-offs (x) | 24.6353% | 1,669 |
| Efficiency ratio | 59.3567% | 4,034 |
| Assets per employee ($millions) | 5.4767% | 1,902 |
| Cash dividends to net income (ytd only)* | 37.6790% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 2,912 |
| Loan loss allowance to noncurrent loans | 230.7622% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.4844% | 2,822 |
| Noncurrent loans to loans | 0.5041% | 2,909 |
| Net loans and leases to total assets | 65.8363% | 3,175 |
| Net loans and leases to deposits | 77.3633% | 3,217 |
| Net loans and leases to core deposits | 83.5154% | 3,119 |
| Total domestic deposits to total assets | 85.1001% | 2,632 |
| Equity capital to assets | 13.7336% | 1,019 |
| Core capital (leverage) ratio | 9.4672% | 4,146 |
| Tier 1 risk-based capital ratio | 13.0375% | 3,873 |
| Total risk-based capital ratio | 14.1731% | 3,859 |
| Memoranda: | ||
| Average total assets | $1,307,980,330 | 601 |
| Average earning assets | $1,177,860,670 | 610 |
| Average equity | $177,397,330 | 490 |
| Average total loans | $871,657,330 | 632 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3093% | 2,478 |
| Cost of funding earning assets | 0.3081% | 4,287 |
| Net interest margin | 4.0012% | 1,727 |
| Noninterest income to average assets | 0.6100% | 2,212 |
| Noninterest expense to average assets | 2.6151% | 3,295 |
| Loan and lease loss provision to assets | 0.2200% | 717 |
| Net operating income to assets | 1.3712% | 1,418 |
| Return on assets (ROA) | 1.3712% | 1,432 |
| Pretax return on assets | 1.3822% | 2,073 |
| Return on Equity (ROE) | 10.1740% | 2,343 |
| Retained earnings to average equity (ytd only) | 5.6341% | 2,879 |
| Net charge-offs to loans | 0.1326% | 1,012 |
| Credit loss provision to net charge-offs | 248.7889% | 918 |
| Earnings coverage of net charge-offs (x) | 18.1211% | 1,545 |
| Efficiency ratio | 59.0134% | 4,216 |
| Assets per employee ($millions) | 5.5517% | 1,889 |
| Cash dividends to net income (ytd only)* | 44.6229% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 3,339 |
| Loan loss allowance to noncurrent loans | 237.5000% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.4787% | 2,943 |
| Noncurrent loans to loans | 0.4659% | 3,133 |
| Net loans and leases to total assets | 65.8390% | 3,058 |
| Net loans and leases to deposits | 76.9829% | 3,113 |
| Net loans and leases to core deposits | 82.3263% | 3,115 |
| Total domestic deposits to total assets | 85.5241% | 2,742 |
| Equity capital to assets | 13.4483% | 1,055 |
| Core capital (leverage) ratio | 9.1493% | 4,506 |
| Tier 1 risk-based capital ratio | 12.5663% | 4,200 |
| Total risk-based capital ratio | 13.6424% | 4,205 |
| Memoranda: | ||
| Average total assets | $1,307,504,500 | 605 |
| Average earning assets | $1,178,759,500 | 612 |
| Average equity | $176,214,000 | 494 |
| Average total loans | $871,539,000 | 634 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2906% | 2,358 |
| Cost of funding earning assets | 0.2531% | 4,534 |
| Net interest margin | 4.0375% | 1,633 |
| Noninterest income to average assets | 0.6085% | 2,412 |
| Noninterest expense to average assets | 2.7220% | 3,056 |
| Loan and lease loss provision to assets | 0.1852% | 1,149 |
| Net operating income to assets | 1.3271% | 1,171 |
| Return on assets (ROA) | 1.3273% | 1,187 |
| Pretax return on assets | 1.3374% | 2,222 |
| Return on Equity (ROE) | 9.5688% | 2,070 |
| Retained earnings to average equity (ytd only) | -2.6165% | 5,324 |
| Net charge-offs to loans | 0.0548% | 2,703 |
| Credit loss provision to net charge-offs | 511.8896% | 603 |
| Earnings coverage of net charge-offs (x) | 42.0743% | 1,217 |
| Efficiency ratio | 61.0078% | 4,115 |
| Assets per employee ($millions) | 5.6242% | 1,821 |
| Cash dividends to net income (ytd only)* | 127.3443% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 3,566 |
| Loan loss allowance to noncurrent loans | 145.8946% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.6694% | 2,303 |
| Noncurrent loans to loans | 0.7259% | 2,394 |
| Net loans and leases to total assets | 66.0313% | 3,094 |
| Net loans and leases to deposits | 79.6157% | 2,956 |
| Net loans and leases to core deposits | 86.0303% | 2,905 |
| Total domestic deposits to total assets | 82.9375% | 3,586 |
| Equity capital to assets | 13.5061% | 1,061 |
| Core capital (leverage) ratio | 9.0217% | 4,624 |
| Tier 1 risk-based capital ratio | 12.3405% | 4,300 |
| Total risk-based capital ratio | 13.3620% | 4,349 |
| Memoranda: | ||
| Average total assets | $1,301,613,000 | 589 |
| Average earning assets | $1,172,181,600 | 600 |
| Average equity | $180,545,200 | 470 |
| Average total loans | $860,254,000 | 612 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 2,335 |
| Cost of funding earning assets | 0.2486% | 4,575 |
| Net interest margin | 4.0271% | 1,614 |
| Noninterest income to average assets | 0.6078% | 2,433 |
| Noninterest expense to average assets | 2.7004% | 3,062 |
| Loan and lease loss provision to assets | 0.1777% | 1,129 |
| Net operating income to assets | 1.3468% | 1,207 |
| Return on assets (ROA) | 1.3470% | 1,228 |
| Pretax return on assets | 1.3569% | 2,253 |
| Return on Equity (ROE) | 9.6475% | 2,281 |
| Retained earnings to average equity (ytd only) | -0.9969% | 5,352 |
| Net charge-offs to loans | 0.0636% | 2,208 |
| Credit loss provision to net charge-offs | 423.9609% | 737 |
| Earnings coverage of net charge-offs (x) | 36.6014% | 1,388 |
| Efficiency ratio | 60.6254% | 4,112 |
| Assets per employee ($millions) | 5.6424% | 1,789 |
| Cash dividends to net income (ytd only)* | 110.3333% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 4,076 |
| Loan loss allowance to noncurrent loans | 178.7910% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.4661% | 3,172 |
| Noncurrent loans to loans | 0.5579% | 3,024 |
| Net loans and leases to total assets | 65.2540% | 3,213 |
| Net loans and leases to deposits | 76.8316% | 3,291 |
| Net loans and leases to core deposits | 82.7596% | 3,227 |
| Total domestic deposits to total assets | 84.9312% | 2,739 |
| Equity capital to assets | 13.9198% | 1,019 |
| Core capital (leverage) ratio | 9.2710% | 4,440 |
| Tier 1 risk-based capital ratio | 12.7698% | 4,158 |
| Total risk-based capital ratio | 13.7303% | 4,243 |
| Memoranda: | ||
| Average total assets | $1,300,812,000 | 592 |
| Average earning assets | $1,171,562,250 | 598 |
| Average equity | $181,624,000 | 473 |
| Average total loans | $857,615,250 | 612 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2576% | 2,256 |
| Cost of funding earning assets | 0.2491% | 4,548 |
| Net interest margin | 4.0086% | 1,576 |
| Noninterest income to average assets | 0.5972% | 2,475 |
| Noninterest expense to average assets | 2.6798% | 3,164 |
| Loan and lease loss provision to assets | 0.1638% | 1,219 |
| Net operating income to assets | 1.3548% | 1,164 |
| Return on assets (ROA) | 1.3549% | 1,190 |
| Pretax return on assets | 1.3642% | 2,153 |
| Return on Equity (ROE) | 9.6943% | 2,170 |
| Retained earnings to average equity (ytd only) | -2.9830% | 5,435 |
| Net charge-offs to loans | 0.0276% | 2,658 |
| Credit loss provision to net charge-offs | 900.8475% | 412 |
| Earnings coverage of net charge-offs (x) | 84.0339% | 743 |
| Efficiency ratio | 60.5222% | 4,237 |
| Assets per employee ($millions) | 5.6846% | 1,718 |
| Cash dividends to net income (ytd only)* | 130.7710% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 4,410 |
| Loan loss allowance to noncurrent loans | 212.3097% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 3,471 |
| Noncurrent loans to loans | 0.4484% | 3,405 |
| Net loans and leases to total assets | 65.4657% | 3,184 |
| Net loans and leases to deposits | 76.9068% | 3,232 |
| Net loans and leases to core deposits | 82.8624% | 3,188 |
| Total domestic deposits to total assets | 85.1234% | 2,764 |
| Equity capital to assets | 13.8448% | 1,017 |
| Core capital (leverage) ratio | 9.1556% | 4,549 |
| Tier 1 risk-based capital ratio | 12.3739% | 4,368 |
| Total risk-based capital ratio | 13.2769% | 4,501 |
| Memoranda: | ||
| Average total assets | $1,298,072,000 | 594 |
| Average earning assets | $1,169,150,000 | 600 |
| Average equity | $181,427,000 | 474 |
| Average total loans | $855,886,000 | 616 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0088% | 3,005 |
| Cost of funding earning assets | 0.1778% | 5,173 |
| Net interest margin | 3.8310% | 2,010 |
| Noninterest income to average assets | 0.8654% | 1,347 |
| Noninterest expense to average assets | 2.5912% | 3,530 |
| Loan and lease loss provision to assets | 0.1090% | 1,755 |
| Net operating income to assets | 1.6492% | 610 |
| Return on assets (ROA) | 1.6497% | 625 |
| Pretax return on assets | 1.6596% | 1,093 |
| Return on Equity (ROE) | 13.1061% | 977 |
| Retained earnings to average equity (ytd only) | 2.2279% | 4,247 |
| Net charge-offs to loans | 0.0470% | 1,913 |
| Credit loss provision to net charge-offs | 368.5185% | 692 |
| Earnings coverage of net charge-offs (x) | 59.7778% | 805 |
| Efficiency ratio | 59.4421% | 4,537 |
| Assets per employee ($millions) | 5.3981% | 1,984 |
| Cash dividends to net income (ytd only)* | 83.0013% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 2,018 |
| Loan loss allowance to noncurrent loans | 277.4702% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3583% | 3,769 |
| Noncurrent loans to loans | 0.5099% | 3,286 |
| Net loans and leases to total assets | 61.3859% | 3,612 |
| Net loans and leases to deposits | 70.3730% | 3,759 |
| Net loans and leases to core deposits | 75.2422% | 3,718 |
| Total domestic deposits to total assets | 87.2294% | 2,098 |
| Equity capital to assets | 12.5187% | 1,516 |
| Core capital (leverage) ratio | 9.0214% | 4,705 |
| Tier 1 risk-based capital ratio | 12.5993% | 4,321 |
| Total risk-based capital ratio | 13.8500% | 4,231 |
| Memoranda: | ||
| Average total assets | $730,307,500 | 1,013 |
| Average earning assets | $666,035,000 | 1,020 |
| Average equity | $91,926,500 | 890 |
| Average total loans | $459,870,500 | 1,109 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0882% | 2,903 |
| Cost of funding earning assets | 0.1819% | 5,194 |
| Net interest margin | 3.9063% | 1,943 |
| Noninterest income to average assets | 1.0280% | 1,071 |
| Noninterest expense to average assets | 2.6396% | 3,559 |
| Loan and lease loss provision to assets | 0.0719% | 2,920 |
| Net operating income to assets | 1.8672% | 396 |
| Return on assets (ROA) | 1.8674% | 407 |
| Pretax return on assets | 1.8782% | 651 |
| Return on Equity (ROE) | 14.6152% | 686 |
| Retained earnings to average equity (ytd only) | 6.4818% | 1,465 |
| Net charge-offs to loans | 0.0394% | 3,236 |
| Credit loss provision to net charge-offs | 305.2941% | 969 |
| Earnings coverage of net charge-offs (x) | 82.7824% | 699 |
| Efficiency ratio | 57.5129% | 4,906 |
| Assets per employee ($millions) | 5.1876% | 2,197 |
| Cash dividends to net income (ytd only)* | 55.6504% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 2,137 |
| Loan loss allowance to noncurrent loans | 259.7879% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 3,745 |
| Noncurrent loans to loans | 0.5339% | 3,252 |
| Net loans and leases to total assets | 62.8066% | 3,502 |
| Net loans and leases to deposits | 72.1601% | 3,699 |
| Net loans and leases to core deposits | 77.3906% | 3,615 |
| Total domestic deposits to total assets | 87.0378% | 2,125 |
| Equity capital to assets | 12.6578% | 1,421 |
| Core capital (leverage) ratio | 8.9815% | 4,762 |
| Tier 1 risk-based capital ratio | 12.5910% | 4,329 |
| Total risk-based capital ratio | 13.8416% | 4,224 |
| Memoranda: | ||
| Average total assets | $721,713,800 | 993 |
| Average earning assets | $658,020,400 | 1,001 |
| Average equity | $92,212,400 | 868 |
| Average total loans | $431,003,200 | 1,137 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0943% | 2,899 |
| Cost of funding earning assets | 0.1823% | 5,248 |
| Net interest margin | 3.9119% | 1,931 |
| Noninterest income to average assets | 1.0334% | 1,066 |
| Noninterest expense to average assets | 2.6394% | 3,541 |
| Loan and lease loss provision to assets | 0.0497% | 3,249 |
| Net operating income to assets | 1.9000% | 402 |
| Return on assets (ROA) | 1.9002% | 424 |
| Pretax return on assets | 1.9113% | 692 |
| Return on Equity (ROE) | 14.8376% | 687 |
| Retained earnings to average equity (ytd only) | 6.1843% | 2,069 |
| Net charge-offs to loans | 0.0418% | 2,806 |
| Credit loss provision to net charge-offs | 202.2556% | 1,430 |
| Earnings coverage of net charge-offs (x) | 79.8190% | 787 |
| Efficiency ratio | 57.3757% | 4,909 |
| Assets per employee ($millions) | 5.2827% | 2,066 |
| Cash dividends to net income (ytd only)* | 58.3204% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 2,333 |
| Loan loss allowance to noncurrent loans | 139.7096% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.8613% | 2,399 |
| Noncurrent loans to loans | 0.9823% | 2,276 |
| Net loans and leases to total assets | 60.6974% | 3,782 |
| Net loans and leases to deposits | 70.0853% | 3,977 |
| Net loans and leases to core deposits | 74.5973% | 3,958 |
| Total domestic deposits to total assets | 86.6051% | 2,081 |
| Equity capital to assets | 12.9566% | 1,506 |
| Core capital (leverage) ratio | 8.7294% | 5,124 |
| Tier 1 risk-based capital ratio | 12.5524% | 4,441 |
| Total risk-based capital ratio | 13.8028% | 4,348 |
| Memoranda: | ||
| Average total assets | $721,872,500 | 997 |
| Average earning assets | $658,172,250 | 1,007 |
| Average equity | $92,447,250 | 868 |
| Average total loans | $423,940,250 | 1,150 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1556% | 2,654 |
| Cost of funding earning assets | 0.1812% | 5,307 |
| Net interest margin | 3.9745% | 1,726 |
| Noninterest income to average assets | 1.0808% | 962 |
| Noninterest expense to average assets | 2.6635% | 3,505 |
| Loan and lease loss provision to assets | 0.0386% | 3,383 |
| Net operating income to assets | 1.9911% | 338 |
| Return on assets (ROA) | 1.9914% | 353 |
| Pretax return on assets | 2.0014% | 567 |
| Return on Equity (ROE) | 15.6116% | 594 |
| Retained earnings to average equity (ytd only) | 9.0741% | 829 |
| Net charge-offs to loans | -0.0423% | 5,298 |
| Credit loss provision to net charge-offs | -157.9545% | 4,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6312% | 5,062 |
| Assets per employee ($millions) | 5.2422% | 2,046 |
| Cash dividends to net income (ytd only)* | 41.8760% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 2,060 |
| Loan loss allowance to noncurrent loans | 251.7325% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.5491% | 3,379 |
| Noncurrent loans to loans | 0.5765% | 3,336 |
| Net loans and leases to total assets | 58.6472% | 4,055 |
| Net loans and leases to deposits | 67.8728% | 4,194 |
| Net loans and leases to core deposits | 72.6788% | 4,115 |
| Total domestic deposits to total assets | 86.4075% | 2,213 |
| Equity capital to assets | 13.1954% | 1,391 |
| Core capital (leverage) ratio | 8.7147% | 5,154 |
| Tier 1 risk-based capital ratio | 13.1597% | 4,100 |
| Total risk-based capital ratio | 14.4111% | 4,024 |
| Memoranda: | ||
| Average total assets | $719,491,330 | 1,001 |
| Average earning assets | $655,786,000 | 1,013 |
| Average equity | $91,777,670 | 871 |
| Average total loans | $415,703,330 | 1,170 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4011% | 1,793 |
| Cost of funding earning assets | 0.1776% | 5,393 |
| Net interest margin | 4.2235% | 1,057 |
| Noninterest income to average assets | 0.9628% | 1,159 |
| Noninterest expense to average assets | 2.6151% | 3,704 |
| Loan and lease loss provision to assets | 0.0524% | 2,887 |
| Net operating income to assets | 2.1301% | 264 |
| Return on assets (ROA) | 2.1301% | 276 |
| Pretax return on assets | 2.1401% | 427 |
| Return on Equity (ROE) | 16.9941% | 441 |
| Retained earnings to average equity (ytd only) | 16.9941% | 150 |
| Net charge-offs to loans | 0.0255% | 2,426 |
| Credit loss provision to net charge-offs | 361.5385% | 758 |
| Earnings coverage of net charge-offs (x) | 151.2692% | 394 |
| Efficiency ratio | 54.3947% | 5,350 |
| Assets per employee ($millions) | 5.4479% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 2,136 |
| Loan loss allowance to noncurrent loans | 172.2002% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.8773% | 2,493 |
| Noncurrent loans to loans | 0.8511% | 2,719 |
| Net loans and leases to total assets | 55.2513% | 4,330 |
| Net loans and leases to deposits | 63.4269% | 4,478 |
| Net loans and leases to core deposits | 67.7141% | 4,426 |
| Total domestic deposits to total assets | 87.1102% | 2,149 |
| Equity capital to assets | 12.5411% | 1,656 |
| Core capital (leverage) ratio | 8.8090% | 5,067 |
| Tier 1 risk-based capital ratio | 13.2798% | 4,107 |
| Total risk-based capital ratio | 14.5309% | 4,031 |
| Memoranda: | ||
| Average total assets | $717,522,500 | 1,003 |
| Average earning assets | $653,195,500 | 1,012 |
| Average equity | $89,937,000 | 887 |
| Average total loans | $408,295,500 | 1,185 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9929% | 3,334 |
| Cost of funding earning assets | 0.1708% | 5,526 |
| Net interest margin | 3.8221% | 2,294 |
| Noninterest income to average assets | 1.1035% | 964 |
| Noninterest expense to average assets | 2.8777% | 2,937 |
| Loan and lease loss provision to assets | 0.0600% | 3,103 |
| Net operating income to assets | 1.6114% | 688 |
| Return on assets (ROA) | 1.6123% | 712 |
| Pretax return on assets | 1.6217% | 1,187 |
| Return on Equity (ROE) | 12.4976% | 1,179 |
| Retained earnings to average equity (ytd only) | 3.6029% | 3,493 |
| Net charge-offs to loans | 0.0429% | 3,360 |
| Credit loss provision to net charge-offs | 248.1013% | 1,165 |
| Earnings coverage of net charge-offs (x) | 69.5253% | 775 |
| Efficiency ratio | 61.3164% | 4,712 |
| Assets per employee ($millions) | 5.0667% | 2,284 |
| Cash dividends to net income (ytd only)* | 71.1710% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 2,000 |
| Loan loss allowance to noncurrent loans | 233.8252% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.7902% | 2,697 |
| Noncurrent loans to loans | 0.6419% | 3,263 |
| Net loans and leases to total assets | 56.9225% | 4,210 |
| Net loans and leases to deposits | 65.4293% | 4,361 |
| Net loans and leases to core deposits | 69.1667% | 4,362 |
| Total domestic deposits to total assets | 86.9984% | 2,139 |
| Equity capital to assets | 12.5272% | 1,610 |
| Core capital (leverage) ratio | 8.5514% | 5,376 |
| Tier 1 risk-based capital ratio | 12.8622% | 4,412 |
| Total risk-based capital ratio | 14.1138% | 4,304 |
| Memoranda: | ||
| Average total assets | $653,583,200 | 1,047 |
| Average earning assets | $590,797,200 | 1,057 |
| Average equity | $84,320,400 | 905 |
| Average total loans | $368,227,800 | 1,235 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0130% | 3,289 |
| Cost of funding earning assets | 0.1705% | 5,625 |
| Net interest margin | 3.8425% | 2,225 |
| Noninterest income to average assets | 1.1328% | 935 |
| Noninterest expense to average assets | 2.9147% | 2,799 |
| Loan and lease loss provision to assets | 0.0717% | 2,743 |
| Net operating income to assets | 1.6059% | 759 |
| Return on assets (ROA) | 1.6067% | 786 |
| Pretax return on assets | 1.6167% | 1,336 |
| Return on Equity (ROE) | 12.3574% | 1,285 |
| Retained earnings to average equity (ytd only) | 0.4048% | 5,502 |
| Net charge-offs to loans | 0.0418% | 3,047 |
| Credit loss provision to net charge-offs | 306.1947% | 948 |
| Earnings coverage of net charge-offs (x) | 72.0722% | 798 |
| Efficiency ratio | 60.9005% | 4,754 |
| Assets per employee ($millions) | 4.9152% | 2,402 |
| Cash dividends to net income (ytd only)* | 96.7243% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6076% | 1,766 |
| Loan loss allowance to noncurrent loans | 194.4444% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.9324% | 2,529 |
| Noncurrent loans to loans | 0.8268% | 2,901 |
| Net loans and leases to total assets | 55.5276% | 4,407 |
| Net loans and leases to deposits | 64.1169% | 4,549 |
| Net loans and leases to core deposits | 67.7366% | 4,564 |
| Total domestic deposits to total assets | 86.6037% | 2,235 |
| Equity capital to assets | 12.8994% | 1,506 |
| Core capital (leverage) ratio | 8.4779% | 5,567 |
| Tier 1 risk-based capital ratio | 13.0795% | 4,389 |
| Total risk-based capital ratio | 14.3322% | 4,302 |
| Memoranda: | ||
| Average total assets | $643,446,000 | 1,072 |
| Average earning assets | $580,965,250 | 1,081 |
| Average equity | $83,661,750 | 917 |
| Average total loans | $360,000,250 | 1,262 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9674% | 3,417 |
| Cost of funding earning assets | 0.1723% | 5,674 |
| Net interest margin | 3.7951% | 2,333 |
| Noninterest income to average assets | 1.1329% | 942 |
| Noninterest expense to average assets | 2.9572% | 2,684 |
| Loan and lease loss provision to assets | 0.0848% | 2,422 |
| Net operating income to assets | 1.5042% | 892 |
| Return on assets (ROA) | 1.5042% | 937 |
| Pretax return on assets | 1.5155% | 1,603 |
| Return on Equity (ROE) | 11.5373% | 1,514 |
| Retained earnings to average equity (ytd only) | -6.5311% | 6,072 |
| Net charge-offs to loans | 0.0338% | 2,994 |
| Credit loss provision to net charge-offs | 450.0000% | 678 |
| Earnings coverage of net charge-offs (x) | 84.9167% | 672 |
| Efficiency ratio | 62.0951% | 4,669 |
| Assets per employee ($millions) | 4.8090% | 2,526 |
| Cash dividends to net income (ytd only)* | 156.6089% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 1,743 |
| Loan loss allowance to noncurrent loans | 183.6191% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.9291% | 2,675 |
| Noncurrent loans to loans | 0.8985% | 2,881 |
| Net loans and leases to total assets | 55.0659% | 4,448 |
| Net loans and leases to deposits | 63.3103% | 4,591 |
| Net loans and leases to core deposits | 66.8378% | 4,584 |
| Total domestic deposits to total assets | 86.9779% | 2,180 |
| Equity capital to assets | 12.5776% | 1,612 |
| Core capital (leverage) ratio | 8.1658% | 5,818 |
| Tier 1 risk-based capital ratio | 12.7544% | 4,653 |
| Total risk-based capital ratio | 14.0077% | 4,566 |
| Memoranda: | ||
| Average total assets | $636,745,000 | 1,085 |
| Average earning assets | $574,579,000 | 1,101 |
| Average equity | $83,017,670 | 923 |
| Average total loans | $355,176,000 | 1,281 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9496% | 3,420 |
| Cost of funding earning assets | 0.1734% | 5,741 |
| Net interest margin | 3.7762% | 2,320 |
| Noninterest income to average assets | 1.0049% | 1,111 |
| Noninterest expense to average assets | 2.9424% | 2,771 |
| Loan and lease loss provision to assets | 0.0850% | 2,272 |
| Net operating income to assets | 1.3633% | 1,108 |
| Return on assets (ROA) | 1.3633% | 1,171 |
| Pretax return on assets | 1.3767% | 1,972 |
| Return on Equity (ROE) | 10.2702% | 1,885 |
| Retained earnings to average equity (ytd only) | -13.6251% | 6,208 |
| Net charge-offs to loans | 0.0604% | 2,147 |
| Credit loss provision to net charge-offs | 252.8302% | 911 |
| Earnings coverage of net charge-offs (x) | 43.4717% | 925 |
| Efficiency ratio | 63.8865% | 4,503 |
| Assets per employee ($millions) | 4.7788% | 2,650 |
| Cash dividends to net income (ytd only)* | 232.6664% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6676% | 1,825 |
| Loan loss allowance to noncurrent loans | 183.6045% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 1.1679% | 2,294 |
| Noncurrent loans to loans | 0.9083% | 2,969 |
| Net loans and leases to total assets | 52.8504% | 4,572 |
| Net loans and leases to deposits | 60.7753% | 4,685 |
| Net loans and leases to core deposits | 64.1901% | 4,682 |
| Total domestic deposits to total assets | 86.9602% | 2,394 |
| Equity capital to assets | 12.6507% | 1,600 |
| Core capital (leverage) ratio | 8.4458% | 5,579 |
| Tier 1 risk-based capital ratio | 12.8766% | 4,675 |
| Total risk-based capital ratio | 14.1297% | 4,587 |
| Memoranda: | ||
| Average total assets | $630,508,500 | 1,100 |
| Average earning assets | $567,549,500 | 1,117 |
| Average equity | $83,698,500 | 914 |
| Average total loans | $351,016,500 | 1,292 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5457% | 1,710 |
| Cost of funding earning assets | 0.2128% | 5,645 |
| Net interest margin | 4.3329% | 994 |
| Noninterest income to average assets | 0.9490% | 1,348 |
| Noninterest expense to average assets | 3.0931% | 2,539 |
| Loan and lease loss provision to assets | 0.0546% | 3,461 |
| Net operating income to assets | 1.6720% | 610 |
| Return on assets (ROA) | 1.6788% | 629 |
| Pretax return on assets | 1.6917% | 1,004 |
| Return on Equity (ROE) | 12.1374% | 1,375 |
| Retained earnings to average equity (ytd only) | 4.2693% | 3,151 |
| Net charge-offs to loans | 0.1716% | 2,317 |
| Credit loss provision to net charge-offs | 55.5366% | 3,368 |
| Earnings coverage of net charge-offs (x) | 17.6985% | 1,899 |
| Efficiency ratio | 61.1995% | 5,041 |
| Assets per employee ($millions) | 4.3002% | 3,366 |
| Cash dividends to net income (ytd only)* | 64.8250% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6527% | 1,919 |
| Loan loss allowance to noncurrent loans | 168.5207% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 1.3003% | 2,165 |
| Noncurrent loans to loans | 0.9807% | 2,874 |
| Net loans and leases to total assets | 56.7964% | 4,228 |
| Net loans and leases to deposits | 66.6144% | 4,255 |
| Net loans and leases to core deposits | 71.4787% | 4,171 |
| Total domestic deposits to total assets | 85.2614% | 3,182 |
| Equity capital to assets | 13.9486% | 969 |
| Core capital (leverage) ratio | 9.0542% | 4,898 |
| Tier 1 risk-based capital ratio | 14.4090% | 3,826 |
| Total risk-based capital ratio | 15.6631% | 3,763 |
| Memoranda: | ||
| Average total assets | $597,270,200 | 1,112 |
| Average earning assets | $535,322,200 | 1,129 |
| Average equity | $82,612,400 | 888 |
| Average total loans | $342,150,400 | 1,282 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2761% | 2,725 |
| Cost of funding earning assets | 0.2197% | 5,672 |
| Net interest margin | 4.0564% | 1,704 |
| Noninterest income to average assets | 0.9172% | 1,460 |
| Noninterest expense to average assets | 3.0242% | 2,719 |
| Loan and lease loss provision to assets | 0.0432% | 3,531 |
| Net operating income to assets | 1.4738% | 985 |
| Return on assets (ROA) | 1.4747% | 1,014 |
| Pretax return on assets | 1.4872% | 1,686 |
| Return on Equity (ROE) | 10.6847% | 1,908 |
| Retained earnings to average equity (ytd only) | 2.5669% | 4,757 |
| Net charge-offs to loans | 0.2046% | 1,838 |
| Credit loss provision to net charge-offs | 36.9732% | 3,337 |
| Earnings coverage of net charge-offs (x) | 13.0767% | 2,258 |
| Efficiency ratio | 63.4190% | 4,645 |
| Assets per employee ($millions) | 4.3968% | 3,136 |
| Cash dividends to net income (ytd only)* | 75.9763% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6455% | 2,149 |
| Loan loss allowance to noncurrent loans | 153.6127% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.8471% | 3,296 |
| Noncurrent loans to loans | 1.0712% | 2,933 |
| Net loans and leases to total assets | 56.3363% | 4,291 |
| Net loans and leases to deposits | 65.6337% | 4,375 |
| Net loans and leases to core deposits | 71.1825% | 4,228 |
| Total domestic deposits to total assets | 85.8344% | 2,939 |
| Equity capital to assets | 13.6423% | 1,129 |
| Core capital (leverage) ratio | 8.8386% | 5,286 |
| Tier 1 risk-based capital ratio | 13.9808% | 4,231 |
| Total risk-based capital ratio | 15.2349% | 4,166 |
| Memoranda: | ||
| Average total assets | $595,006,000 | 1,122 |
| Average earning assets | $533,430,250 | 1,143 |
| Average equity | $82,122,000 | 895 |
| Average total loans | $340,148,250 | 1,292 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2491% | 2,771 |
| Cost of funding earning assets | 0.2235% | 5,715 |
| Net interest margin | 4.0255% | 1,742 |
| Noninterest income to average assets | 0.8791% | 1,559 |
| Noninterest expense to average assets | 2.9914% | 2,863 |
| Loan and lease loss provision to assets | 0.0298% | 3,674 |
| Net operating income to assets | 1.4509% | 958 |
| Return on assets (ROA) | 1.4522% | 998 |
| Pretax return on assets | 1.4664% | 1,648 |
| Return on Equity (ROE) | 10.4806% | 1,948 |
| Retained earnings to average equity (ytd only) | 0.7130% | 5,454 |
| Net charge-offs to loans | 0.0468% | 3,311 |
| Credit loss provision to net charge-offs | 111.3924% | 1,798 |
| Earnings coverage of net charge-offs (x) | 55.9241% | 851 |
| Efficiency ratio | 63.6247% | 4,749 |
| Assets per employee ($millions) | 4.2473% | 3,373 |
| Cash dividends to net income (ytd only)* | 93.1966% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7481% | 1,979 |
| Loan loss allowance to noncurrent loans | 206.4417% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 4,524 |
| Noncurrent loans to loans | 0.8468% | 3,588 |
| Net loans and leases to total assets | 56.8474% | 4,135 |
| Net loans and leases to deposits | 66.2030% | 4,252 |
| Net loans and leases to core deposits | 72.3007% | 4,016 |
| Total domestic deposits to total assets | 85.8683% | 3,111 |
| Equity capital to assets | 13.7098% | 1,079 |
| Core capital (leverage) ratio | 8.7330% | 5,355 |
| Tier 1 risk-based capital ratio | 13.5935% | 4,533 |
| Total risk-based capital ratio | 14.8489% | 4,465 |
| Memoranda: | ||
| Average total assets | $591,088,670 | 1,125 |
| Average earning assets | $529,667,670 | 1,153 |
| Average equity | $81,904,000 | 893 |
| Average total loans | $337,683,000 | 1,298 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2373% | 2,732 |
| Cost of funding earning assets | 0.2283% | 5,766 |
| Net interest margin | 4.0090% | 1,728 |
| Noninterest income to average assets | 0.8331% | 1,628 |
| Noninterest expense to average assets | 2.9952% | 2,867 |
| Loan and lease loss provision to assets | 0.0300% | 3,430 |
| Net operating income to assets | 1.3815% | 1,028 |
| Return on assets (ROA) | 1.3815% | 1,070 |
| Pretax return on assets | 1.3958% | 1,758 |
| Return on Equity (ROE) | 9.9164% | 2,075 |
| Retained earnings to average equity (ytd only) | 2.5818% | 4,523 |
| Net charge-offs to loans | 0.0624% | 2,538 |
| Credit loss provision to net charge-offs | 84.6154% | 1,853 |
| Earnings coverage of net charge-offs (x) | 40.2500% | 870 |
| Efficiency ratio | 64.6225% | 4,758 |
| Assets per employee ($millions) | 4.1906% | 3,550 |
| Cash dividends to net income (ytd only)* | 73.9645% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7971% | 2,056 |
| Loan loss allowance to noncurrent loans | 161.9303% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.7636% | 3,830 |
| Noncurrent loans to loans | 1.1098% | 3,202 |
| Net loans and leases to total assets | 55.4653% | 4,214 |
| Net loans and leases to deposits | 64.6627% | 4,250 |
| Net loans and leases to core deposits | 70.4398% | 4,042 |
| Total domestic deposits to total assets | 85.7764% | 3,481 |
| Equity capital to assets | 13.8252% | 978 |
| Core capital (leverage) ratio | 8.8592% | 5,192 |
| Tier 1 risk-based capital ratio | 13.8511% | 4,433 |
| Total risk-based capital ratio | 15.1067% | 4,381 |
| Memoranda: | ||
| Average total assets | $587,197,000 | 1,140 |
| Average earning assets | $525,522,500 | 1,166 |
| Average equity | $81,804,000 | 901 |
| Average total loans | $333,274,500 | 1,319 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 2,001 |
| Cost of funding earning assets | 0.2724% | 5,811 |
| Net interest margin | 4.2877% | 1,140 |
| Noninterest income to average assets | 0.8960% | 1,691 |
| Noninterest expense to average assets | 3.0431% | 2,921 |
| Loan and lease loss provision to assets | 0.0676% | 3,782 |
| Net operating income to assets | 1.6048% | 685 |
| Return on assets (ROA) | 1.6072% | 699 |
| Pretax return on assets | 1.6185% | 1,123 |
| Return on Equity (ROE) | 11.1834% | 1,709 |
| Retained earnings to average equity (ytd only) | 0.8789% | 5,442 |
| Net charge-offs to loans | 0.0221% | 4,992 |
| Credit loss provision to net charge-offs | 538.8889% | 433 |
| Earnings coverage of net charge-offs (x) | 134.2222% | 347 |
| Efficiency ratio | 61.3947% | 5,305 |
| Assets per employee ($millions) | 4.2287% | 3,400 |
| Cash dividends to net income (ytd only)* | 92.1409% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8302% | 1,973 |
| Loan loss allowance to noncurrent loans | 202.4774% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6568% | 4,276 |
| Noncurrent loans to loans | 0.9039% | 3,725 |
| Net loans and leases to total assets | 55.9969% | 4,318 |
| Net loans and leases to deposits | 65.4890% | 4,352 |
| Net loans and leases to core deposits | 71.7978% | 4,097 |
| Total domestic deposits to total assets | 85.5058% | 3,504 |
| Equity capital to assets | 14.0403% | 886 |
| Core capital (leverage) ratio | 8.6590% | 5,466 |
| Tier 1 risk-based capital ratio | 13.9000% | 4,364 |
| Total risk-based capital ratio | 15.1561% | 4,299 |
| Memoranda: | ||
| Average total assets | $573,986,200 | 1,158 |
| Average earning assets | $512,820,400 | 1,180 |
| Average equity | $82,488,200 | 865 |
| Average total loans | $326,404,000 | 1,306 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6431% | 1,762 |
| Cost of funding earning assets | 0.2779% | 5,902 |
| Net interest margin | 4.3651% | 958 |
| Noninterest income to average assets | 0.8969% | 1,764 |
| Noninterest expense to average assets | 3.0356% | 2,868 |
| Loan and lease loss provision to assets | 0.0799% | 3,463 |
| Net operating income to assets | 1.6692% | 658 |
| Return on assets (ROA) | 1.6724% | 687 |
| Pretax return on assets | 1.6827% | 1,140 |
| Return on Equity (ROE) | 11.5700% | 1,635 |
| Retained earnings to average equity (ytd only) | -0.5106% | 6,046 |
| Net charge-offs to loans | 0.0102% | 4,942 |
| Credit loss provision to net charge-offs | 1,372.0000% | 233 |
| Earnings coverage of net charge-offs (x) | 302.2625% | 199 |
| Efficiency ratio | 60.3574% | 5,378 |
| Assets per employee ($millions) | 4.1389% | 3,562 |
| Cash dividends to net income (ytd only)* | 104.4132% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8976% | 2,011 |
| Loan loss allowance to noncurrent loans | 201.5323% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.6546% | 4,473 |
| Noncurrent loans to loans | 0.9416% | 3,934 |
| Net loans and leases to total assets | 53.5946% | 4,677 |
| Net loans and leases to deposits | 62.7107% | 4,669 |
| Net loans and leases to core deposits | 69.1933% | 4,409 |
| Total domestic deposits to total assets | 85.4633% | 3,514 |
| Equity capital to assets | 13.8971% | 994 |
| Core capital (leverage) ratio | 8.6266% | 5,626 |
| Tier 1 risk-based capital ratio | 13.9176% | 4,485 |
| Total risk-based capital ratio | 15.1742% | 4,437 |
| Memoranda: | ||
| Average total assets | $572,649,250 | 1,172 |
| Average earning assets | $511,373,750 | 1,200 |
| Average equity | $82,775,250 | 863 |
| Average total loans | $325,390,750 | 1,309 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7645% | 1,412 |
| Cost of funding earning assets | 0.2832% | 5,959 |
| Net interest margin | 4.4814% | 731 |
| Noninterest income to average assets | 0.8882% | 1,857 |
| Noninterest expense to average assets | 3.0404% | 2,874 |
| Loan and lease loss provision to assets | 0.1044% | 3,049 |
| Net operating income to assets | 1.7350% | 591 |
| Return on assets (ROA) | 1.7350% | 640 |
| Pretax return on assets | 1.7431% | 1,029 |
| Return on Equity (ROE) | 11.8464% | 1,541 |
| Retained earnings to average equity (ytd only) | -6.1536% | 6,525 |
| Net charge-offs to loans | -0.2027% | 6,666 |
| Credit loss provision to net charge-offs | -89.4578% | 5,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2910% | 5,570 |
| Assets per employee ($millions) | 3.9251% | 3,969 |
| Cash dividends to net income (ytd only)* | 151.9449% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9439% | 1,984 |
| Loan loss allowance to noncurrent loans | 191.7697% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.5828% | 4,795 |
| Noncurrent loans to loans | 1.0137% | 3,910 |
| Net loans and leases to total assets | 56.3768% | 4,226 |
| Net loans and leases to deposits | 65.9791% | 4,267 |
| Net loans and leases to core deposits | 72.9686% | 3,933 |
| Total domestic deposits to total assets | 85.4464% | 3,669 |
| Equity capital to assets | 13.9532% | 983 |
| Core capital (leverage) ratio | 8.4169% | 5,755 |
| Tier 1 risk-based capital ratio | 13.1682% | 5,020 |
| Total risk-based capital ratio | 14.4259% | 4,953 |
| Memoranda: | ||
| Average total assets | $569,002,330 | 1,179 |
| Average earning assets | $507,837,670 | 1,212 |
| Average equity | $83,333,000 | 859 |
| Average total loans | $327,580,000 | 1,301 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0627% | 802 |
| Cost of funding earning assets | 0.2818% | 6,096 |
| Net interest margin | 4.7809% | 415 |
| Noninterest income to average assets | 0.8725% | 1,857 |
| Noninterest expense to average assets | 3.0021% | 2,986 |
| Loan and lease loss provision to assets | 0.1413% | 2,474 |
| Net operating income to assets | 1.9728% | 357 |
| Return on assets (ROA) | 1.9728% | 387 |
| Pretax return on assets | 1.9876% | 604 |
| Return on Equity (ROE) | 13.1593% | 1,130 |
| Retained earnings to average equity (ytd only) | 3.7799% | 3,967 |
| Net charge-offs to loans | 0.0232% | 3,711 |
| Credit loss provision to net charge-offs | 1,057.8947% | 300 |
| Earnings coverage of net charge-offs (x) | 159.3684% | 254 |
| Efficiency ratio | 55.7276% | 6,087 |
| Assets per employee ($millions) | 4.0299% | 3,883 |
| Cash dividends to net income (ytd only)* | 71.2758% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8195% | 2,552 |
| Loan loss allowance to noncurrent loans | 173.5329% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.5956% | 4,893 |
| Noncurrent loans to loans | 1.0485% | 4,044 |
| Net loans and leases to total assets | 55.7679% | 4,123 |
| Net loans and leases to deposits | 66.0024% | 4,054 |
| Net loans and leases to core deposits | 72.8759% | 3,714 |
| Total domestic deposits to total assets | 84.4938% | 4,269 |
| Equity capital to assets | 14.9346% | 770 |
| Core capital (leverage) ratio | 9.0821% | 4,743 |
| Tier 1 risk-based capital ratio | 14.1581% | 4,390 |
| Total risk-based capital ratio | 15.4143% | 4,349 |
| Memoranda: | ||
| Average total assets | $568,935,000 | 1,193 |
| Average earning assets | $506,761,500 | 1,229 |
| Average equity | $85,293,000 | 848 |
| Average total loans | $327,759,000 | 1,298 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1026% | 1,309 |
| Cost of funding earning assets | 0.3305% | 6,310 |
| Net interest margin | 4.7722% | 569 |
| Noninterest income to average assets | 1.1039% | 1,271 |
| Noninterest expense to average assets | 3.0441% | 3,114 |
| Loan and lease loss provision to assets | 0.2997% | 2,279 |
| Net operating income to assets | 1.9722% | 374 |
| Return on assets (ROA) | 1.9752% | 405 |
| Pretax return on assets | 1.9902% | 613 |
| Return on Equity (ROE) | 13.0921% | 1,201 |
| Retained earnings to average equity (ytd only) | 3.5930% | 3,680 |
| Net charge-offs to loans | 0.0463% | 5,266 |
| Credit loss provision to net charge-offs | 1,153.7931% | 224 |
| Earnings coverage of net charge-offs (x) | 88.0414% | 442 |
| Efficiency ratio | 54.3802% | 6,229 |
| Assets per employee ($millions) | 4.0402% | 3,866 |
| Cash dividends to net income (ytd only)* | 72.5558% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7345% | 2,804 |
| Loan loss allowance to noncurrent loans | 165.3780% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.6128% | 4,941 |
| Noncurrent loans to loans | 1.0488% | 4,109 |
| Net loans and leases to total assets | 57.4131% | 4,063 |
| Net loans and leases to deposits | 70.4653% | 3,644 |
| Net loans and leases to core deposits | 75.9659% | 3,540 |
| Total domestic deposits to total assets | 81.4771% | 5,263 |
| Equity capital to assets | 15.0494% | 722 |
| Core capital (leverage) ratio | 8.9157% | 5,023 |
| Tier 1 risk-based capital ratio | 13.3912% | 4,826 |
| Total risk-based capital ratio | 14.6460% | 4,777 |
| Memoranda: | ||
| Average total assets | $558,224,600 | 1,197 |
| Average earning assets | $494,469,400 | 1,229 |
| Average equity | $84,219,000 | 835 |
| Average total loans | $313,021,400 | 1,344 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1024% | 1,421 |
| Cost of funding earning assets | 0.3472% | 6,388 |
| Net interest margin | 4.7552% | 601 |
| Noninterest income to average assets | 1.1718% | 1,105 |
| Noninterest expense to average assets | 3.0602% | 3,017 |
| Loan and lease loss provision to assets | 0.3429% | 1,912 |
| Net operating income to assets | 1.9644% | 403 |
| Return on assets (ROA) | 1.9682% | 458 |
| Pretax return on assets | 1.9833% | 724 |
| Return on Equity (ROE) | 13.0373% | 1,326 |
| Retained earnings to average equity (ytd only) | 5.8940% | 2,765 |
| Net charge-offs to loans | 0.0346% | 5,162 |
| Credit loss provision to net charge-offs | 1,788.7500% | 149 |
| Earnings coverage of net charge-offs (x) | 121.1420% | 357 |
| Efficiency ratio | 54.1472% | 6,237 |
| Assets per employee ($millions) | 4.0125% | 3,846 |
| Cash dividends to net income (ytd only)* | 54.7912% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7230% | 3,060 |
| Loan loss allowance to noncurrent loans | 156.0832% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6393% | 5,075 |
| Noncurrent loans to loans | 1.1039% | 4,215 |
| Net loans and leases to total assets | 56.4021% | 4,386 |
| Net loans and leases to deposits | 71.4365% | 3,682 |
| Net loans and leases to core deposits | 75.8787% | 3,742 |
| Total domestic deposits to total assets | 78.9542% | 5,879 |
| Equity capital to assets | 15.4091% | 724 |
| Core capital (leverage) ratio | 8.9130% | 5,178 |
| Tier 1 risk-based capital ratio | 13.7008% | 4,755 |
| Total risk-based capital ratio | 14.9554% | 4,698 |
| Memoranda: | ||
| Average total assets | $556,373,500 | 1,210 |
| Average earning assets | $492,670,000 | 1,252 |
| Average equity | $83,992,750 | 834 |
| Average total loans | $308,657,500 | 1,366 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7820% | 2,576 |
| Cost of funding earning assets | 0.3682% | 6,426 |
| Net interest margin | 4.4138% | 1,164 |
| Noninterest income to average assets | 1.3095% | 828 |
| Noninterest expense to average assets | 3.1404% | 2,776 |
| Loan and lease loss provision to assets | 0.3920% | 1,676 |
| Net operating income to assets | 1.6618% | 732 |
| Return on assets (ROA) | 1.6640% | 814 |
| Pretax return on assets | 1.6791% | 1,318 |
| Return on Equity (ROE) | 11.0998% | 1,958 |
| Retained earnings to average equity (ytd only) | 0.2742% | 5,953 |
| Net charge-offs to loans | 0.0303% | 4,954 |
| Credit loss provision to net charge-offs | 2,363.0435% | 130 |
| Earnings coverage of net charge-offs (x) | 124.7174% | 355 |
| Efficiency ratio | 57.4801% | 5,934 |
| Assets per employee ($millions) | 3.8693% | 4,147 |
| Cash dividends to net income (ytd only)* | 97.5293% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6646% | 3,377 |
| Loan loss allowance to noncurrent loans | 121.8917% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.7658% | 4,878 |
| Noncurrent loans to loans | 1.3657% | 3,874 |
| Net loans and leases to total assets | 54.8464% | 4,655 |
| Net loans and leases to deposits | 69.0400% | 4,036 |
| Net loans and leases to core deposits | 73.8495% | 4,055 |
| Total domestic deposits to total assets | 79.4414% | 5,875 |
| Equity capital to assets | 14.6220% | 881 |
| Core capital (leverage) ratio | 8.4192% | 5,766 |
| Tier 1 risk-based capital ratio | 12.9463% | 5,218 |
| Total risk-based capital ratio | 14.2003% | 5,198 |
| Memoranda: | ||
| Average total assets | $554,580,670 | 1,221 |
| Average earning assets | $490,008,330 | 1,256 |
| Average equity | $83,136,670 | 834 |
| Average total loans | $304,078,330 | 1,387 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9100% | 2,199 |
| Cost of funding earning assets | 0.3974% | 6,423 |
| Net interest margin | 4.5126% | 985 |
| Noninterest income to average assets | 1.7539% | 497 |
| Noninterest expense to average assets | 3.1947% | 2,614 |
| Loan and lease loss provision to assets | 0.5417% | 1,092 |
| Net operating income to assets | 1.9709% | 443 |
| Return on assets (ROA) | 1.9716% | 509 |
| Pretax return on assets | 1.9869% | 753 |
| Return on Equity (ROE) | 12.9875% | 1,405 |
| Retained earnings to average equity (ytd only) | 8.1915% | 1,911 |
| Net charge-offs to loans | 0.0496% | 4,008 |
| Credit loss provision to net charge-offs | 2,010.8108% | 159 |
| Earnings coverage of net charge-offs (x) | 93.8378% | 364 |
| Efficiency ratio | 53.2443% | 6,416 |
| Assets per employee ($millions) | 3.7686% | 4,499 |
| Cash dividends to net income (ytd only)* | 36.9276% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6439% | 3,562 |
| Loan loss allowance to noncurrent loans | 108.6264% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.8315% | 4,870 |
| Noncurrent loans to loans | 1.5134% | 3,846 |
| Net loans and leases to total assets | 53.4033% | 4,817 |
| Net loans and leases to deposits | 63.5549% | 4,698 |
| Net loans and leases to core deposits | 68.2538% | 4,654 |
| Total domestic deposits to total assets | 84.0272% | 4,477 |
| Equity capital to assets | 15.3138% | 692 |
| Core capital (leverage) ratio | 8.8289% | 5,098 |
| Tier 1 risk-based capital ratio | 13.6863% | 4,691 |
| Total risk-based capital ratio | 14.9395% | 4,670 |
| Memoranda: | ||
| Average total assets | $549,409,500 | 1,236 |
| Average earning assets | $483,180,500 | 1,291 |
| Average equity | $83,403,500 | 829 |
| Average total loans | $298,575,000 | 1,421 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0854% | 2,504 |
| Cost of funding earning assets | 0.5922% | 6,122 |
| Net interest margin | 4.4932% | 1,149 |
| Noninterest income to average assets | 1.0529% | 1,208 |
| Noninterest expense to average assets | 3.2753% | 2,602 |
| Loan and lease loss provision to assets | 0.4013% | 2,589 |
| Net operating income to assets | 1.2746% | 1,308 |
| Return on assets (ROA) | 1.2942% | 1,367 |
| Pretax return on assets | 1.3119% | 2,082 |
| Return on Equity (ROE) | 8.6481% | 2,613 |
| Retained earnings to average equity (ytd only) | 0.5378% | 5,594 |
| Net charge-offs to loans | 0.7841% | 2,197 |
| Credit loss provision to net charge-offs | 94.0893% | 3,828 |
| Earnings coverage of net charge-offs (x) | 3.9707% | 3,316 |
| Efficiency ratio | 62.3149% | 5,408 |
| Assets per employee ($millions) | 3.5624% | 4,863 |
| Cash dividends to net income (ytd only)* | 93.7816% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 4,414 |
| Loan loss allowance to noncurrent loans | 460.4600% | 736 |
| Noncurrent assets plus other real estate owned to assets | 1.7792% | 3,281 |
| Noncurrent loans to loans | 0.3060% | 6,113 |
| Net loans and leases to total assets | 53.6273% | 5,094 |
| Net loans and leases to deposits | 63.9643% | 5,013 |
| Net loans and leases to core deposits | 69.1892% | 4,885 |
| Total domestic deposits to total assets | 83.8395% | 4,390 |
| Equity capital to assets | 15.0469% | 769 |
| Core capital (leverage) ratio | 8.3549% | 5,773 |
| Tier 1 risk-based capital ratio | 12.8196% | 5,228 |
| Total risk-based capital ratio | 14.0698% | 5,206 |
| Memoranda: | ||
| Average total assets | $535,556,600 | 1,245 |
| Average earning assets | $466,726,000 | 1,316 |
| Average equity | $80,145,000 | 835 |
| Average total loans | $291,283,200 | 1,466 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0843% | 2,683 |
| Cost of funding earning assets | 0.6342% | 6,114 |
| Net interest margin | 4.4501% | 1,279 |
| Noninterest income to average assets | 1.0831% | 1,143 |
| Noninterest expense to average assets | 3.3505% | 2,351 |
| Loan and lease loss provision to assets | 0.4211% | 2,363 |
| Net operating income to assets | 1.1727% | 1,740 |
| Return on assets (ROA) | 1.1920% | 1,790 |
| Pretax return on assets | 1.2106% | 2,597 |
| Return on Equity (ROE) | 7.9769% | 3,049 |
| Retained earnings to average equity (ytd only) | 0.4341% | 5,820 |
| Net charge-offs to loans | 1.0938% | 1,453 |
| Credit loss provision to net charge-offs | 70.7789% | 4,458 |
| Earnings coverage of net charge-offs (x) | 2.7095% | 3,773 |
| Efficiency ratio | 63.6969% | 5,124 |
| Assets per employee ($millions) | 3.6182% | 4,713 |
| Cash dividends to net income (ytd only)* | 94.5578% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 5,288 |
| Loan loss allowance to noncurrent loans | 144.8728% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 2.1150% | 3,012 |
| Noncurrent loans to loans | 0.8577% | 5,149 |
| Net loans and leases to total assets | 52.6723% | 5,364 |
| Net loans and leases to deposits | 62.4723% | 5,347 |
| Net loans and leases to core deposits | 68.3373% | 5,144 |
| Total domestic deposits to total assets | 84.3131% | 4,093 |
| Equity capital to assets | 14.9938% | 850 |
| Core capital (leverage) ratio | 8.5401% | 5,655 |
| Tier 1 risk-based capital ratio | 12.8180% | 5,233 |
| Total risk-based capital ratio | 13.9193% | 5,332 |
| Memoranda: | ||
| Average total assets | $532,293,250 | 1,254 |
| Average earning assets | $464,009,000 | 1,325 |
| Average equity | $79,544,000 | 849 |
| Average total loans | $289,501,750 | 1,485 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0699% | 2,831 |
| Cost of funding earning assets | 0.6766% | 6,091 |
| Net interest margin | 4.3932% | 1,390 |
| Noninterest income to average assets | 1.0714% | 1,147 |
| Noninterest expense to average assets | 3.2492% | 2,726 |
| Loan and lease loss provision to assets | 0.4510% | 2,164 |
| Net operating income to assets | 1.1871% | 1,614 |
| Return on assets (ROA) | 1.1938% | 1,678 |
| Pretax return on assets | 1.2139% | 2,426 |
| Return on Equity (ROE) | 7.9978% | 2,949 |
| Retained earnings to average equity (ytd only) | -3.4567% | 6,418 |
| Net charge-offs to loans | 0.0749% | 4,899 |
| Credit loss provision to net charge-offs | 1,099.0741% | 306 |
| Earnings coverage of net charge-offs (x) | 40.4074% | 740 |
| Efficiency ratio | 62.3103% | 5,542 |
| Assets per employee ($millions) | 4.6350% | 2,634 |
| Cash dividends to net income (ytd only)* | 143.2209% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8755% | 2,748 |
| Loan loss allowance to noncurrent loans | 103.4167% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 2.3923% | 2,761 |
| Noncurrent loans to loans | 1.8135% | 3,734 |
| Net loans and leases to total assets | 53.6470% | 5,344 |
| Net loans and leases to deposits | 63.6861% | 5,316 |
| Net loans and leases to core deposits | 70.3897% | 5,026 |
| Total domestic deposits to total assets | 84.2365% | 4,239 |
| Equity capital to assets | 15.0975% | 798 |
| Core capital (leverage) ratio | 8.3458% | 5,793 |
| Tier 1 risk-based capital ratio | 12.8081% | 5,083 |
| Total risk-based capital ratio | 14.0637% | 5,053 |
| Memoranda: | ||
| Average total assets | $526,401,670 | 1,277 |
| Average earning assets | $459,617,670 | 1,337 |
| Average equity | $78,571,670 | 861 |
| Average total loans | $288,227,000 | 1,508 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1527% | 2,423 |
| Cost of funding earning assets | 0.7036% | 6,112 |
| Net interest margin | 4.4492% | 1,178 |
| Noninterest income to average assets | 1.1024% | 1,080 |
| Noninterest expense to average assets | 3.2737% | 2,640 |
| Loan and lease loss provision to assets | 0.4142% | 2,120 |
| Net operating income to assets | 1.2996% | 1,267 |
| Return on assets (ROA) | 1.3019% | 1,303 |
| Pretax return on assets | 1.3117% | 2,006 |
| Return on Equity (ROE) | 8.7725% | 2,575 |
| Retained earnings to average equity (ytd only) | -1.4877% | 6,067 |
| Net charge-offs to loans | 0.1028% | 3,929 |
| Credit loss provision to net charge-offs | 735.1351% | 525 |
| Earnings coverage of net charge-offs (x) | 30.5946% | 820 |
| Efficiency ratio | 61.6697% | 5,728 |
| Assets per employee ($millions) | 3.4792% | 5,037 |
| Cash dividends to net income (ytd only)* | 116.9591% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 3,428 |
| Loan loss allowance to noncurrent loans | 104.0234% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 2.2758% | 2,975 |
| Noncurrent loans to loans | 1.6102% | 4,071 |
| Net loans and leases to total assets | 53.3810% | 5,395 |
| Net loans and leases to deposits | 64.4846% | 5,190 |
| Net loans and leases to core deposits | 69.9720% | 5,045 |
| Total domestic deposits to total assets | 82.7810% | 5,003 |
| Equity capital to assets | 14.7536% | 822 |
| Core capital (leverage) ratio | 8.4699% | 5,514 |
| Tier 1 risk-based capital ratio | 12.9732% | 4,847 |
| Total risk-based capital ratio | 14.2262% | 4,830 |
| Memoranda: | ||
| Average total assets | $525,406,000 | 1,289 |
| Average earning assets | $459,949,000 | 1,344 |
| Average equity | $77,970,500 | 860 |
| Average total loans | $287,898,000 | 1,523 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3166% | 3,041 |
| Cost of funding earning assets | 0.9139% | 6,116 |
| Net interest margin | 4.4026% | 1,464 |
| Noninterest income to average assets | 1.0478% | 1,363 |
| Noninterest expense to average assets | 3.2395% | 2,951 |
| Loan and lease loss provision to assets | 0.1946% | 5,287 |
| Net operating income to assets | 1.4452% | 865 |
| Return on assets (ROA) | 1.4557% | 909 |
| Pretax return on assets | 1.4645% | 1,469 |
| Return on Equity (ROE) | 9.6811% | 2,040 |
| Retained earnings to average equity (ytd only) | 6.5632% | 1,528 |
| Net charge-offs to loans | 0.0884% | 5,960 |
| Credit loss provision to net charge-offs | 418.4874% | 568 |
| Earnings coverage of net charge-offs (x) | 35.4580% | 644 |
| Efficiency ratio | 62.2427% | 5,691 |
| Assets per employee ($millions) | 3.3676% | 5,249 |
| Cash dividends to net income (ytd only)* | 32.2061% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 3,988 |
| Loan loss allowance to noncurrent loans | 1,076.6749% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 6,844 |
| Noncurrent loans to loans | 0.1396% | 6,794 |
| Net loans and leases to total assets | 54.4757% | 5,570 |
| Net loans and leases to deposits | 64.5730% | 5,560 |
| Net loans and leases to core deposits | 70.4313% | 5,412 |
| Total domestic deposits to total assets | 84.3629% | 4,193 |
| Equity capital to assets | 14.9276% | 806 |
| Core capital (leverage) ratio | 8.4575% | 5,440 |
| Tier 1 risk-based capital ratio | 13.3580% | 4,322 |
| Total risk-based capital ratio | 14.6100% | 4,284 |
| Memoranda: | ||
| Average total assets | $511,930,600 | 1,307 |
| Average earning assets | $446,527,200 | 1,367 |
| Average equity | $76,974,800 | 856 |
| Average total loans | $269,273,000 | 1,654 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3095% | 3,306 |
| Cost of funding earning assets | 0.9635% | 6,124 |
| Net interest margin | 4.3460% | 1,691 |
| Noninterest income to average assets | 1.0734% | 1,244 |
| Noninterest expense to average assets | 3.2010% | 2,927 |
| Loan and lease loss provision to assets | 0.2041% | 5,013 |
| Net operating income to assets | 1.4415% | 1,040 |
| Return on assets (ROA) | 1.4518% | 1,093 |
| Pretax return on assets | 1.4602% | 1,723 |
| Return on Equity (ROE) | 9.6377% | 2,274 |
| Retained earnings to average equity (ytd only) | 7.2052% | 1,749 |
| Net charge-offs to loans | 0.0797% | 5,727 |
| Credit loss provision to net charge-offs | 493.6709% | 597 |
| Earnings coverage of net charge-offs (x) | 39.9939% | 686 |
| Efficiency ratio | 61.8524% | 5,647 |
| Assets per employee ($millions) | 3.5455% | 4,861 |
| Cash dividends to net income (ytd only)* | 25.2389% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5190% | 3,874 |
| Loan loss allowance to noncurrent loans | 2,060.2941% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 7,097 |
| Noncurrent loans to loans | 0.0737% | 7,060 |
| Net loans and leases to total assets | 52.6395% | 6,023 |
| Net loans and leases to deposits | 62.8665% | 6,036 |
| Net loans and leases to core deposits | 68.3651% | 5,903 |
| Total domestic deposits to total assets | 83.7322% | 4,256 |
| Equity capital to assets | 15.5217% | 767 |
| Core capital (leverage) ratio | 8.4942% | 5,516 |
| Tier 1 risk-based capital ratio | 13.2011% | 4,422 |
| Total risk-based capital ratio | 14.4526% | 4,399 |
| Memoranda: | ||
| Average total assets | $509,418,750 | 1,321 |
| Average earning assets | $443,247,000 | 1,387 |
| Average equity | $76,738,750 | 860 |
| Average total loans | $264,418,750 | 1,695 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3241% | 3,352 |
| Cost of funding earning assets | 0.9906% | 6,191 |
| Net interest margin | 4.3334% | 1,656 |
| Noninterest income to average assets | 1.1048% | 1,081 |
| Noninterest expense to average assets | 3.1862% | 2,956 |
| Loan and lease loss provision to assets | 0.3059% | 3,940 |
| Net operating income to assets | 1.3678% | 1,155 |
| Return on assets (ROA) | 1.3780% | 1,201 |
| Pretax return on assets | 1.3855% | 1,872 |
| Return on Equity (ROE) | 9.2433% | 2,374 |
| Retained earnings to average equity (ytd only) | 7.9194% | 1,471 |
| Net charge-offs to loans | 0.0100% | 6,212 |
| Credit loss provision to net charge-offs | 5,961.5385% | 66 |
| Earnings coverage of net charge-offs (x) | 327.6154% | 99 |
| Efficiency ratio | 61.3738% | 5,799 |
| Assets per employee ($millions) | 3.5272% | 4,852 |
| Cash dividends to net income (ytd only)* | 14.3225% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6163% | 3,378 |
| Loan loss allowance to noncurrent loans | 1,288.7240% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 7,226 |
| Noncurrent loans to loans | 0.1254% | 7,014 |
| Net loans and leases to total assets | 51.6883% | 6,245 |
| Net loans and leases to deposits | 62.3377% | 6,206 |
| Net loans and leases to core deposits | 67.7932% | 6,072 |
| Total domestic deposits to total assets | 82.9165% | 4,605 |
| Equity capital to assets | 15.2762% | 824 |
| Core capital (leverage) ratio | 8.3076% | 5,757 |
| Tier 1 risk-based capital ratio | 12.9357% | 4,506 |
| Total risk-based capital ratio | 14.1881% | 4,456 |
| Memoranda: | ||
| Average total assets | $506,677,670 | 1,341 |
| Average earning assets | $439,927,000 | 1,410 |
| Average equity | $75,536,000 | 868 |
| Average total loans | $260,329,330 | 1,751 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3712% | 3,186 |
| Cost of funding earning assets | 1.0324% | 6,216 |
| Net interest margin | 4.3387% | 1,569 |
| Noninterest income to average assets | 0.9780% | 1,368 |
| Noninterest expense to average assets | 3.2727% | 2,625 |
| Loan and lease loss provision to assets | 0.2546% | 4,007 |
| Net operating income to assets | 1.1970% | 1,549 |
| Return on assets (ROA) | 1.2041% | 1,607 |
| Pretax return on assets | 1.2112% | 2,325 |
| Return on Equity (ROE) | 8.1789% | 2,795 |
| Retained earnings to average equity (ytd only) | 8.1789% | 1,632 |
| Net charge-offs to loans | -0.0609% | 7,400 |
| Credit loss provision to net charge-offs | -823.0769% | 6,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9455% | 5,315 |
| Assets per employee ($millions) | 3.4429% | 5,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 3,763 |
| Loan loss allowance to noncurrent loans | 3,078.9063% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.3739% | 6,543 |
| Noncurrent loans to loans | 0.0496% | 7,282 |
| Net loans and leases to total assets | 49.8582% | 6,475 |
| Net loans and leases to deposits | 61.2335% | 6,346 |
| Net loans and leases to core deposits | 67.1475% | 6,189 |
| Total domestic deposits to total assets | 81.4231% | 5,304 |
| Equity capital to assets | 14.7294% | 945 |
| Core capital (leverage) ratio | 7.9136% | 6,367 |
| Tier 1 risk-based capital ratio | 12.6191% | 4,626 |
| Total risk-based capital ratio | 13.8702% | 4,588 |
| Memoranda: | ||
| Average total assets | $504,296,000 | 1,380 |
| Average earning assets | $436,256,500 | 1,462 |
| Average equity | $74,239,500 | 892 |
| Average total loans | $256,145,000 | 1,830 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8874% | 2,291 |
| Cost of funding earning assets | 1.1367% | 6,860 |
| Net interest margin | 4.7507% | 763 |
| Noninterest income to average assets | 1.0621% | 1,367 |
| Noninterest expense to average assets | 3.6465% | 2,042 |
| Loan and lease loss provision to assets | 0.1925% | 5,800 |
| Net operating income to assets | 1.3052% | 1,022 |
| Return on assets (ROA) | 1.3383% | 1,008 |
| Pretax return on assets | 1.3418% | 1,579 |
| Return on Equity (ROE) | 8.7140% | 2,115 |
| Retained earnings to average equity (ytd only) | -0.6870% | 5,170 |
| Net charge-offs to loans | 0.2631% | 4,978 |
| Credit loss provision to net charge-offs | 141.8182% | 3,412 |
| Earnings coverage of net charge-offs (x) | 11.0591% | 1,631 |
| Efficiency ratio | 65.6079% | 5,473 |
| Assets per employee ($millions) | 3.3948% | 5,271 |
| Cash dividends to net income (ytd only)* | 107.8838% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 4,192 |
| Loan loss allowance to noncurrent loans | 3,769.4737% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 7,167 |
| Noncurrent loans to loans | 0.0374% | 7,338 |
| Net loans and leases to total assets | 50.2394% | 6,618 |
| Net loans and leases to deposits | 60.4901% | 6,598 |
| Net loans and leases to core deposits | 73.0540% | 6,594 |
| Total domestic deposits to total assets | 83.0538% | 4,499 |
| Equity capital to assets | 14.7133% | 971 |
| Core capital (leverage) ratio | 7.7732% | 6,481 |
| Tier 1 risk-based capital ratio | 12.1983% | 4,775 |
| Total risk-based capital ratio | 13.4340% | 4,748 |
| Memoranda: | ||
| Average total assets | $486,222,200 | 1,422 |
| Average earning assets | $418,146,800 | 1,515 |
| Average equity | $74,672,800 | 864 |
| Average total loans | $250,881,400 | 1,889 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0340% | 1,903 |
| Cost of funding earning assets | 1.1624% | 6,993 |
| Net interest margin | 4.8716% | 593 |
| Noninterest income to average assets | 1.0509% | 1,441 |
| Noninterest expense to average assets | 3.8065% | 1,578 |
| Loan and lease loss provision to assets | 0.1676% | 5,682 |
| Net operating income to assets | 1.2507% | 1,343 |
| Return on assets (ROA) | 1.2753% | 1,346 |
| Pretax return on assets | 1.2800% | 2,009 |
| Return on Equity (ROE) | 8.2148% | 2,551 |
| Retained earnings to average equity (ytd only) | 6.4011% | 1,764 |
| Net charge-offs to loans | 0.2933% | 4,194 |
| Credit loss provision to net charge-offs | 110.3636% | 4,609 |
| Earnings coverage of net charge-offs (x) | 9.3727% | 2,117 |
| Efficiency ratio | 67.2103% | 5,135 |
| Assets per employee ($millions) | 3.3497% | 5,258 |
| Cash dividends to net income (ytd only)* | 22.0780% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 4,262 |
| Loan loss allowance to noncurrent loans | 931.3019% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 6,840 |
| Noncurrent loans to loans | 0.1439% | 7,116 |
| Net loans and leases to total assets | 50.2733% | 6,761 |
| Net loans and leases to deposits | 60.5179% | 6,788 |
| Net loans and leases to core deposits | 71.5033% | 6,873 |
| Total domestic deposits to total assets | 83.0717% | 4,187 |
| Equity capital to assets | 16.0212% | 790 |
| Core capital (leverage) ratio | 8.8741% | 4,856 |
| Tier 1 risk-based capital ratio | 13.4940% | 3,850 |
| Total risk-based capital ratio | 14.6511% | 3,859 |
| Memoranda: | ||
| Average total assets | $483,018,000 | 1,449 |
| Average earning assets | $414,311,000 | 1,539 |
| Average equity | $74,984,750 | 873 |
| Average total loans | $250,028,000 | 1,918 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6898% | 3,600 |
| Cost of funding earning assets | 1.2071% | 7,083 |
| Net interest margin | 4.4827% | 1,213 |
| Noninterest income to average assets | 1.0081% | 1,568 |
| Noninterest expense to average assets | 3.8471% | 1,575 |
| Loan and lease loss provision to assets | 0.1396% | 5,678 |
| Net operating income to assets | 0.8622% | 2,602 |
| Return on assets (ROA) | 0.8906% | 2,605 |
| Pretax return on assets | 0.8977% | 3,346 |
| Return on Equity (ROE) | 5.8005% | 3,747 |
| Retained earnings to average equity (ytd only) | 3.0346% | 3,630 |
| Net charge-offs to loans | 0.1794% | 4,453 |
| Credit loss provision to net charge-offs | 149.5536% | 3,092 |
| Earnings coverage of net charge-offs (x) | 10.8036% | 1,959 |
| Efficiency ratio | 74.2597% | 3,998 |
| Assets per employee ($millions) | 3.0712% | 5,945 |
| Cash dividends to net income (ytd only)* | 47.6837% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 4,068 |
| Loan loss allowance to noncurrent loans | 296.0139% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 6,272 |
| Noncurrent loans to loans | 0.4511% | 6,395 |
| Net loans and leases to total assets | 52.6765% | 6,605 |
| Net loans and leases to deposits | 62.9865% | 6,656 |
| Net loans and leases to core deposits | 74.4016% | 6,765 |
| Total domestic deposits to total assets | 83.6314% | 3,952 |
| Equity capital to assets | 15.4448% | 940 |
| Core capital (leverage) ratio | 8.1341% | 6,105 |
| Tier 1 risk-based capital ratio | 10.8044% | 6,077 |
| Total risk-based capital ratio | 11.8225% | 6,260 |
| Memoranda: | ||
| Average total assets | $479,889,000 | 1,476 |
| Average earning assets | $411,891,670 | 1,577 |
| Average equity | $73,683,330 | 902 |
| Average total loans | $249,734,000 | 1,946 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7008% | 3,803 |
| Cost of funding earning assets | 1.2445% | 7,186 |
| Net interest margin | 4.4563% | 1,220 |
| Noninterest income to average assets | 0.9578% | 1,613 |
| Noninterest expense to average assets | 4.0093% | 1,174 |
| Loan and lease loss provision to assets | 0.1341% | 5,244 |
| Net operating income to assets | 0.6247% | 3,916 |
| Return on assets (ROA) | 0.6271% | 4,084 |
| Pretax return on assets | 0.6371% | 4,629 |
| Return on Equity (ROE) | 4.0965% | 4,886 |
| Retained earnings to average equity (ytd only) | 4.0965% | 3,620 |
| Net charge-offs to loans | 0.0454% | 4,844 |
| Credit loss provision to net charge-offs | 575.0000% | 981 |
| Earnings coverage of net charge-offs (x) | 32.9643% | 993 |
| Efficiency ratio | 79.5189% | 2,906 |
| Assets per employee ($millions) | 2.9414% | 6,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 3,530 |
| Loan loss allowance to noncurrent loans | 1,719.0000% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 6,989 |
| Noncurrent loans to loans | 0.0811% | 7,290 |
| Net loans and leases to total assets | 50.7253% | 6,791 |
| Net loans and leases to deposits | 60.6353% | 6,841 |
| Net loans and leases to core deposits | 70.6871% | 6,983 |
| Total domestic deposits to total assets | 83.6565% | 3,859 |
| Equity capital to assets | 15.4404% | 978 |
| Core capital (leverage) ratio | 8.1262% | 6,239 |
| Tier 1 risk-based capital ratio | 12.3525% | 4,659 |
| Total risk-based capital ratio | 13.5467% | 4,625 |
| Memoranda: | ||
| Average total assets | $480,280,000 | 1,485 |
| Average earning assets | $411,734,500 | 1,582 |
| Average equity | $73,526,500 | 912 |
| Average total loans | $246,704,500 | 1,980 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9596% | 1,234 |
| Cost of funding earning assets | 2.0787% | 6,136 |
| Net interest margin | 4.8810% | 653 |
| Noninterest income to average assets | 1.3377% | 804 |
| Noninterest expense to average assets | 3.5477% | 2,276 |
| Loan and lease loss provision to assets | 0.1326% | 5,664 |
| Net operating income to assets | 2.0191% | 336 |
| Return on assets (ROA) | 2.0478% | 300 |
| Pretax return on assets | 2.0565% | 528 |
| Return on Equity (ROE) | 18.3174% | 502 |
| Retained earnings to average equity (ytd only) | 3.4464% | 2,996 |
| Net charge-offs to loans | 0.0916% | 5,421 |
| Credit loss provision to net charge-offs | 242.0635% | 1,932 |
| Earnings coverage of net charge-offs (x) | 39.4286% | 947 |
| Efficiency ratio | 60.6354% | 6,234 |
| Assets per employee ($millions) | 3.1304% | 5,688 |
| Cash dividends to net income (ytd only)* | 81.1850% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 3,484 |
| Loan loss allowance to noncurrent loans | 102,050.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 7,666 |
| Noncurrent loans to loans | 0.0013% | 7,563 |
| Net loans and leases to total assets | 64.4418% | 5,184 |
| Net loans and leases to deposits | 73.7025% | 5,875 |
| Net loans and leases to core deposits | 91.1138% | 5,709 |
| Total domestic deposits to total assets | 87.4350% | 1,734 |
| Equity capital to assets | 11.2985% | 2,803 |
| Core capital (leverage) ratio | 7.6562% | 6,992 |
| Tier 1 risk-based capital ratio | 10.8884% | 5,823 |
| Total risk-based capital ratio | 12.1385% | 5,739 |
| Memoranda: | ||
| Average total assets | $229,950,600 | 2,765 |
| Average earning assets | $205,901,800 | 2,824 |
| Average equity | $25,707,800 | 2,587 |
| Average total loans | $137,578,200 | 3,135 |