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 | 4.5915% | 2,914 |
| Cost of funding earning assets | 0.7623% | 3,830 |
| Net interest margin | 3.8292% | 1,516 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.2999% | 2,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3694% | 1,278 |
| Return on assets (ROA) | 1.3694% | 1,248 |
| Pretax return on assets | 1.7629% | 938 |
| Return on Equity (ROE) | 61.2100% | 37 |
| Retained earnings to average equity (ytd only) | 44.0797% | 19 |
| Net charge-offs to loans | 0.0844% | 1,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 58.0294% | 1,207 |
| Efficiency ratio | 56.6088% | 3,434 |
| Assets per employee ($millions) | 6.8357% | 2,183 |
| Cash dividends to net income (ytd only)* | 27.9904% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9604% | 408 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 35.9800% | 4,156 |
| Net loans and leases to deposits | 39.0970% | 4,217 |
| Net loans and leases to core deposits | 44.2443% | 4,200 |
| Total domestic deposits to total assets | 92.0300% | 304 |
| Equity capital to assets | 3.4853% | 4,527 |
| Core capital (leverage) ratio | 11.5581% | 1,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2865% | 755 |
| Memoranda: | ||
| Average total assets | $335,760,200 | 2,244 |
| Average earning assets | $301,602,800 | 2,298 |
| Average equity | $7,511,400 | 3,986 |
| Average total loans | $120,840,000 | 2,945 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5485% | 2,802 |
| Cost of funding earning assets | 0.6469% | 3,879 |
| Net interest margin | 3.9016% | 1,397 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.2912% | 2,823 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4300% | 1,257 |
| Return on assets (ROA) | 1.4300% | 1,240 |
| Pretax return on assets | 1.8353% | 950 |
| Return on Equity (ROE) | 74.5500% | 31 |
| Retained earnings to average equity (ytd only) | 54.4862% | 27 |
| Net charge-offs to loans | 0.1092% | 730 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 46.9490% | 1,348 |
| Efficiency ratio | 55.5244% | 3,441 |
| Assets per employee ($millions) | 6.5564% | 2,283 |
| Cash dividends to net income (ytd only)* | 26.9177% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0235% | 375 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 35.6700% | 4,194 |
| Net loans and leases to deposits | 37.6783% | 4,265 |
| Net loans and leases to core deposits | 42.4882% | 4,204 |
| Total domestic deposits to total assets | 94.6600% | 142 |
| Equity capital to assets | 0.8604% | 4,579 |
| Core capital (leverage) ratio | 11.1993% | 1,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9877% | 817 |
| Memoranda: | ||
| Average total assets | $334,254,500 | 2,252 |
| Average earning assets | $300,078,000 | 2,310 |
| Average equity | $6,411,250 | 4,123 |
| Average total loans | $119,691,750 | 2,962 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4592% | 2,746 |
| Cost of funding earning assets | 0.4995% | 3,976 |
| Net interest margin | 3.9597% | 1,312 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.3129% | 2,760 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4260% | 1,268 |
| Return on assets (ROA) | 1.4260% | 1,251 |
| Pretax return on assets | 1.8252% | 964 |
| Return on Equity (ROE) | 62.8000% | 44 |
| Retained earnings to average equity (ytd only) | 45.8538% | 43 |
| Net charge-offs to loans | 0.0521% | 995 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 98.3871% | 948 |
| Efficiency ratio | 55.8930% | 3,435 |
| Assets per employee ($millions) | 6.6109% | 2,201 |
| Cash dividends to net income (ytd only)* | 26.9828% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1317% | 342 |
| Loan loss allowance to noncurrent loans | 525.1037% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 2,551 |
| Noncurrent loans to loans | 0.4060% | 1,713 |
| Net loans and leases to total assets | 34.4600% | 4,226 |
| Net loans and leases to deposits | 37.0464% | 4,278 |
| Net loans and leases to core deposits | 42.2507% | 4,206 |
| Total domestic deposits to total assets | 93.0300% | 251 |
| Equity capital to assets | 2.7222% | 4,580 |
| Core capital (leverage) ratio | 10.9370% | 1,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8747% | 834 |
| Memoranda: | ||
| Average total assets | $334,214,333 | 2,260 |
| Average earning assets | $300,728,333 | 2,306 |
| Average equity | $7,589,333 | 4,005 |
| Average total loans | $119,016,000 | 2,963 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3791% | 2,611 |
| Cost of funding earning assets | 0.3071% | 4,179 |
| Net interest margin | 4.0720% | 1,138 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.3814% | 2,580 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4522% | 1,280 |
| Return on assets (ROA) | 1.4522% | 1,256 |
| Pretax return on assets | 1.8477% | 988 |
| Return on Equity (ROE) | 71.1100% | 38 |
| Retained earnings to average equity (ytd only) | 52.1560% | 36 |
| Net charge-offs to loans | 0.0168% | 1,348 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 307.4000% | 362 |
| Efficiency ratio | 56.3104% | 3,373 |
| Assets per employee ($millions) | 6.6709% | 2,219 |
| Cash dividends to net income (ytd only)* | 26.6556% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1335% | 355 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 35.1500% | 4,219 |
| Net loans and leases to deposits | 36.6787% | 4,305 |
| Net loans and leases to core deposits | 41.0371% | 4,243 |
| Total domestic deposits to total assets | 95.8400% | 61 |
| Equity capital to assets | 2.5679% | 4,616 |
| Core capital (leverage) ratio | 10.7039% | 2,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3620% | 936 |
| Memoranda: | ||
| Average total assets | $332,744,500 | 2,301 |
| Average earning assets | $299,606,500 | 2,345 |
| Average equity | $6,795,000 | 4,146 |
| Average total loans | $119,159,500 | 2,987 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9305% | 1,910 |
| Cost of funding earning assets | 0.1869% | 3,860 |
| Net interest margin | 3.7436% | 1,279 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.1902% | 3,057 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.3749% | 1,196 |
| Return on assets (ROA) | 1.3749% | 1,152 |
| Pretax return on assets | 1.7636% | 796 |
| Return on Equity (ROE) | 28.9100% | 132 |
| Retained earnings to average equity (ytd only) | 8.3102% | 1,721 |
| Net charge-offs to loans | 0.0843% | 820 |
| Credit loss provision to net charge-offs | 122.5490% | 1,446 |
| Earnings coverage of net charge-offs (x) | 59.4608% | 1,262 |
| Efficiency ratio | 54.8802% | 3,701 |
| Assets per employee ($millions) | 6.3836% | 2,432 |
| Cash dividends to net income (ytd only)* | 71.2589% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1609% | 325 |
| Loan loss allowance to noncurrent loans | 12,195.2381% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 3,852 |
| Noncurrent loans to loans | 0.0177% | 3,707 |
| Net loans and leases to total assets | 34.9300% | 4,262 |
| Net loans and leases to deposits | 35.6506% | 4,351 |
| Net loans and leases to core deposits | 39.4234% | 4,294 |
| Total domestic deposits to total assets | 97.9800% | 33 |
| Equity capital to assets | 1.5138% | 4,666 |
| Core capital (leverage) ratio | 10.7331% | 1,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9653% | 982 |
| Memoranda: | ||
| Average total assets | $336,818,400 | 2,273 |
| Average earning assets | $307,696,200 | 2,290 |
| Average equity | $16,016,400 | 3,270 |
| Average total loans | $121,047,200 | 2,908 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8397% | 1,637 |
| Cost of funding earning assets | 0.1677% | 3,654 |
| Net interest margin | 3.6720% | 1,214 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.1137% | 3,175 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4140% | 1,048 |
| Return on assets (ROA) | 1.4140% | 1,021 |
| Pretax return on assets | 1.8215% | 698 |
| Return on Equity (ROE) | 25.4700% | 173 |
| Retained earnings to average equity (ytd only) | 4.1852% | 3,382 |
| Net charge-offs to loans | 0.0657% | 835 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 76.9667% | 1,059 |
| Efficiency ratio | 53.7135% | 3,843 |
| Assets per employee ($millions) | 6.5101% | 2,312 |
| Cash dividends to net income (ytd only)* | 83.5704% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1194% | 397 |
| Loan loss allowance to noncurrent loans | 3,698.5075% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 3,737 |
| Noncurrent loans to loans | 0.0573% | 3,472 |
| Net loans and leases to total assets | 35.1600% | 4,266 |
| Net loans and leases to deposits | 35.7443% | 4,371 |
| Net loans and leases to core deposits | 39.5188% | 4,289 |
| Total domestic deposits to total assets | 98.3600% | 43 |
| Equity capital to assets | 1.1367% | 4,691 |
| Core capital (leverage) ratio | 10.1744% | 2,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4885% | 1,089 |
| Memoranda: | ||
| Average total assets | $338,036,500 | 2,284 |
| Average earning assets | $310,017,250 | 2,302 |
| Average equity | $18,764,250 | 3,091 |
| Average total loans | $121,679,750 | 2,916 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7177% | 1,496 |
| Cost of funding earning assets | 0.1475% | 3,611 |
| Net interest margin | 3.5701% | 1,134 |
| Noninterest income to average assets | 0.5622% | 1,895 |
| Noninterest expense to average assets | 2.0630% | 3,256 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3939% | 917 |
| Return on assets (ROA) | 1.3939% | 896 |
| Pretax return on assets | 1.7948% | 608 |
| Return on Equity (ROE) | 20.0541% | 302 |
| Retained earnings to average equity (ytd only) | 14.6895% | 290 |
| Net charge-offs to loans | 0.0195% | 1,348 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 255.9167% | 463 |
| Efficiency ratio | 53.4767% | 4,008 |
| Assets per employee ($millions) | 6.7669% | 2,099 |
| Cash dividends to net income (ytd only)* | 26.7505% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0804% | 466 |
| Loan loss allowance to noncurrent loans | 4,210.0000% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 3,836 |
| Noncurrent loans to loans | 0.0494% | 3,577 |
| Net loans and leases to total assets | 35.1400% | 4,286 |
| Net loans and leases to deposits | 36.6161% | 4,375 |
| Net loans and leases to core deposits | 39.9781% | 4,318 |
| Total domestic deposits to total assets | 95.9686% | 86 |
| Equity capital to assets | 3.6020% | 4,659 |
| Core capital (leverage) ratio | 10.1577% | 2,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7834% | 1,025 |
| Memoranda: | ||
| Average total assets | $342,213,000 | 2,283 |
| Average earning assets | $315,898,000 | 2,296 |
| Average equity | $23,785,667 | 2,757 |
| Average total loans | $123,265,667 | 2,912 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5981% | 1,510 |
| Cost of funding earning assets | 0.1337% | 3,719 |
| Net interest margin | 3.4643% | 1,149 |
| Noninterest income to average assets | 0.5451% | 1,928 |
| Noninterest expense to average assets | 2.0631% | 3,270 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3297% | 942 |
| Return on assets (ROA) | 1.3297% | 933 |
| Pretax return on assets | 1.7039% | 678 |
| Return on Equity (ROE) | 15.4673% | 587 |
| Retained earnings to average equity (ytd only) | 11.1543% | 756 |
| Net charge-offs to loans | 0.0483% | 806 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 97.7333% | 682 |
| Efficiency ratio | 54.7670% | 3,997 |
| Assets per employee ($millions) | 7.2664% | 1,811 |
| Cash dividends to net income (ytd only)* | 27.8846% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0520% | 565 |
| Loan loss allowance to noncurrent loans | 22,936.3636% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,075 |
| Noncurrent loans to loans | 0.0089% | 3,961 |
| Net loans and leases to total assets | 34.5288% | 4,287 |
| Net loans and leases to deposits | 37.2542% | 4,346 |
| Net loans and leases to core deposits | 41.6800% | 4,253 |
| Total domestic deposits to total assets | 92.6844% | 351 |
| Equity capital to assets | 6.7566% | 4,317 |
| Core capital (leverage) ratio | 9.8597% | 2,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9331% | 1,058 |
| Memoranda: | ||
| Average total assets | $344,147,500 | 2,281 |
| Average earning assets | $320,062,000 | 2,285 |
| Average equity | $29,585,000 | 2,505 |
| Average total loans | $124,188,500 | 2,906 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6813% | 2,174 |
| Cost of funding earning assets | 0.1331% | 4,128 |
| Net interest margin | 3.5482% | 1,607 |
| Noninterest income to average assets | 0.8351% | 1,359 |
| Noninterest expense to average assets | 2.2607% | 2,912 |
| Loan and lease loss provision to assets | 0.0633% | 1,807 |
| Net operating income to assets | 1.4667% | 1,088 |
| Return on assets (ROA) | 1.5249% | 1,005 |
| Pretax return on assets | 1.8809% | 762 |
| Return on Equity (ROE) | 13.9906% | 1,189 |
| Retained earnings to average equity (ytd only) | 10.6229% | 778 |
| Net charge-offs to loans | 0.0369% | 1,512 |
| Credit loss provision to net charge-offs | 444.4444% | 863 |
| Earnings coverage of net charge-offs (x) | 131.4889% | 734 |
| Efficiency ratio | 54.6972% | 3,853 |
| Assets per employee ($millions) | 6.9287% | 1,971 |
| Cash dividends to net income (ytd only)* | 24.0714% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0236% | 586 |
| Loan loss allowance to noncurrent loans | 8,460.0000% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 4,067 |
| Noncurrent loans to loans | 0.0239% | 3,897 |
| Net loans and leases to total assets | 36.1947% | 4,279 |
| Net loans and leases to deposits | 40.7557% | 4,316 |
| Net loans and leases to core deposits | 46.2638% | 4,173 |
| Total domestic deposits to total assets | 88.8091% | 1,615 |
| Equity capital to assets | 10.4869% | 2,187 |
| Core capital (leverage) ratio | 10.1030% | 2,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3664% | 983 |
| Memoranda: | ||
| Average total assets | $316,014,200 | 2,361 |
| Average earning assets | $293,730,000 | 2,364 |
| Average equity | $34,444,600 | 2,315 |
| Average total loans | $121,965,000 | 2,937 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6837% | 2,324 |
| Cost of funding earning assets | 0.1325% | 4,248 |
| Net interest margin | 3.5513% | 1,728 |
| Noninterest income to average assets | 0.9204% | 1,214 |
| Noninterest expense to average assets | 2.3077% | 2,729 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5613% | 1,121 |
| Return on assets (ROA) | 1.6414% | 978 |
| Pretax return on assets | 2.0064% | 786 |
| Return on Equity (ROE) | 14.9043% | 1,160 |
| Retained earnings to average equity (ytd only) | 11.5081% | 944 |
| Net charge-offs to loans | 0.0484% | 1,176 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 100.9091% | 871 |
| Efficiency ratio | 54.7308% | 3,699 |
| Assets per employee ($millions) | 6.7484% | 2,056 |
| Cash dividends to net income (ytd only)* | 22.7868% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8487% | 847 |
| Loan loss allowance to noncurrent loans | 19,483.3333% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 4,242 |
| Noncurrent loans to loans | 0.0095% | 4,140 |
| Net loans and leases to total assets | 36.7874% | 4,349 |
| Net loans and leases to deposits | 41.5843% | 4,393 |
| Net loans and leases to core deposits | 46.5226% | 4,302 |
| Total domestic deposits to total assets | 88.4645% | 1,589 |
| Equity capital to assets | 10.6070% | 2,357 |
| Core capital (leverage) ratio | 9.8929% | 2,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2726% | 1,086 |
| Memoranda: | ||
| Average total assets | $310,140,750 | 2,413 |
| Average earning assets | $287,853,250 | 2,413 |
| Average equity | $34,154,750 | 2,357 |
| Average total loans | $121,100,750 | 2,981 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6640% | 2,428 |
| Cost of funding earning assets | 0.1364% | 4,304 |
| Net interest margin | 3.5276% | 1,781 |
| Noninterest income to average assets | 0.6085% | 2,178 |
| Noninterest expense to average assets | 2.2295% | 2,984 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2995% | 1,873 |
| Return on assets (ROA) | 1.2995% | 1,945 |
| Pretax return on assets | 1.6436% | 1,628 |
| Return on Equity (ROE) | 11.6395% | 2,187 |
| Retained earnings to average equity (ytd only) | 8.1822% | 2,007 |
| Net charge-offs to loans | 0.0704% | 929 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 58.9048% | 978 |
| Efficiency ratio | 57.5643% | 3,336 |
| Assets per employee ($millions) | 6.3008% | 2,325 |
| Cash dividends to net income (ytd only)* | 29.7035% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8993% | 738 |
| Loan loss allowance to noncurrent loans | 1,614.4828% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 3,950 |
| Noncurrent loans to loans | 0.1176% | 3,601 |
| Net loans and leases to total assets | 37.6276% | 4,402 |
| Net loans and leases to deposits | 42.5649% | 4,442 |
| Net loans and leases to core deposits | 48.0607% | 4,325 |
| Total domestic deposits to total assets | 88.4004% | 1,621 |
| Equity capital to assets | 10.6778% | 2,241 |
| Core capital (leverage) ratio | 10.0969% | 2,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4282% | 1,045 |
| Memoranda: | ||
| Average total assets | $301,047,667 | 2,453 |
| Average earning assets | $278,604,333 | 2,454 |
| Average equity | $33,609,667 | 2,372 |
| Average total loans | $119,312,333 | 3,015 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7418% | 2,260 |
| Cost of funding earning assets | 0.1444% | 4,345 |
| Net interest margin | 3.5973% | 1,598 |
| Noninterest income to average assets | 0.6160% | 2,144 |
| Noninterest expense to average assets | 2.2991% | 2,797 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2925% | 1,852 |
| Return on assets (ROA) | 1.2925% | 1,923 |
| Pretax return on assets | 1.6390% | 1,624 |
| Return on Equity (ROE) | 11.3054% | 2,269 |
| Retained earnings to average equity (ytd only) | 7.8176% | 2,310 |
| Net charge-offs to loans | 0.0920% | 731 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 44.1481% | 948 |
| Efficiency ratio | 58.3799% | 3,249 |
| Assets per employee ($millions) | 6.0059% | 2,598 |
| Cash dividends to net income (ytd only)* | 30.8511% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9204% | 714 |
| Loan loss allowance to noncurrent loans | 1,979.8319% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 4,097 |
| Noncurrent loans to loans | 0.0970% | 3,820 |
| Net loans and leases to total assets | 39.2837% | 4,374 |
| Net loans and leases to deposits | 44.2450% | 4,411 |
| Net loans and leases to core deposits | 48.6817% | 4,349 |
| Total domestic deposits to total assets | 88.7868% | 1,444 |
| Equity capital to assets | 10.4469% | 2,318 |
| Core capital (leverage) ratio | 10.5220% | 2,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5900% | 984 |
| Memoranda: | ||
| Average total assets | $290,902,000 | 2,480 |
| Average earning assets | $268,644,000 | 2,498 |
| Average equity | $33,258,500 | 2,386 |
| Average total loans | $117,342,000 | 3,036 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2089% | 2,111 |
| Cost of funding earning assets | 0.3008% | 4,139 |
| Net interest margin | 3.9081% | 1,193 |
| Noninterest income to average assets | 0.6830% | 1,919 |
| Noninterest expense to average assets | 2.6482% | 2,393 |
| Loan and lease loss provision to assets | 0.0770% | 3,417 |
| Net operating income to assets | 1.2266% | 1,459 |
| Return on assets (ROA) | 1.2737% | 1,424 |
| Pretax return on assets | 1.5958% | 1,084 |
| Return on Equity (ROE) | 10.1909% | 1,936 |
| Retained earnings to average equity (ytd only) | 2.3645% | 3,680 |
| Net charge-offs to loans | -0.0261% | 4,495 |
| Credit loss provision to net charge-offs | -666.6667% | 3,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1343% | 3,103 |
| Assets per employee ($millions) | 5.5101% | 2,836 |
| Cash dividends to net income (ytd only)* | 76.7976% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1276% | 470 |
| Loan loss allowance to noncurrent loans | 1,833.0769% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 4,107 |
| Noncurrent loans to loans | 0.1161% | 3,819 |
| Net loans and leases to total assets | 39.7885% | 4,451 |
| Net loans and leases to deposits | 46.0894% | 4,460 |
| Net loans and leases to core deposits | 51.2085% | 4,381 |
| Total domestic deposits to total assets | 86.3291% | 2,218 |
| Equity capital to assets | 12.5290% | 1,309 |
| Core capital (leverage) ratio | 11.0641% | 1,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9451% | 909 |
| Memoranda: | ||
| Average total assets | $259,876,600 | 2,515 |
| Average earning assets | $237,993,400 | 2,538 |
| Average equity | $32,479,800 | 2,359 |
| Average total loans | $114,884,000 | 3,035 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0196% | 2,916 |
| Cost of funding earning assets | 0.3364% | 4,120 |
| Net interest margin | 3.6831% | 2,002 |
| Noninterest income to average assets | 0.6787% | 1,861 |
| Noninterest expense to average assets | 2.5721% | 2,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1791% | 1,712 |
| Return on assets (ROA) | 1.2428% | 1,627 |
| Pretax return on assets | 1.5564% | 1,309 |
| Return on Equity (ROE) | 9.9507% | 2,033 |
| Retained earnings to average equity (ytd only) | 0.4129% | 4,401 |
| Net charge-offs to loans | -0.0588% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5276% | 2,819 |
| Assets per employee ($millions) | 5.5577% | 2,658 |
| Cash dividends to net income (ytd only)* | 95.8508% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7238% | 858 |
| Loan loss allowance to noncurrent loans | 2,320.0000% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 4,116 |
| Noncurrent loans to loans | 0.0743% | 4,077 |
| Net loans and leases to total assets | 45.2171% | 4,357 |
| Net loans and leases to deposits | 52.3010% | 4,399 |
| Net loans and leases to core deposits | 58.4913% | 4,279 |
| Total domestic deposits to total assets | 86.4555% | 1,880 |
| Equity capital to assets | 12.1939% | 1,575 |
| Core capital (leverage) ratio | 11.4514% | 1,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5685% | 963 |
| Memoranda: | ||
| Average total assets | $255,969,750 | 2,524 |
| Average earning assets | $234,215,500 | 2,549 |
| Average equity | $31,970,250 | 2,376 |
| Average total loans | $115,604,500 | 3,033 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0822% | 3,093 |
| Cost of funding earning assets | 0.3869% | 4,097 |
| Net interest margin | 3.6953% | 2,181 |
| Noninterest income to average assets | 0.7118% | 1,699 |
| Noninterest expense to average assets | 2.5480% | 2,832 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2238% | 1,571 |
| Return on assets (ROA) | 1.3223% | 1,401 |
| Pretax return on assets | 1.6593% | 1,076 |
| Return on Equity (ROE) | 10.4941% | 1,809 |
| Retained earnings to average equity (ytd only) | 7.1109% | 1,615 |
| Net charge-offs to loans | -0.0968% | 4,837 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3868% | 3,063 |
| Assets per employee ($millions) | 5.4330% | 2,706 |
| Cash dividends to net income (ytd only)* | 32.2384% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7494% | 731 |
| Loan loss allowance to noncurrent loans | 1,353.9877% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 4,228 |
| Noncurrent loans to loans | 0.1292% | 3,941 |
| Net loans and leases to total assets | 45.6286% | 4,382 |
| Net loans and leases to deposits | 52.7169% | 4,419 |
| Net loans and leases to core deposits | 58.4651% | 4,331 |
| Total domestic deposits to total assets | 86.5540% | 1,786 |
| Equity capital to assets | 12.4543% | 1,398 |
| Core capital (leverage) ratio | 12.1252% | 1,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6574% | 815 |
| Memoranda: | ||
| Average total assets | $248,665,000 | 2,550 |
| Average earning assets | $226,936,667 | 2,574 |
| Average equity | $31,332,000 | 2,393 |
| Average total loans | $111,521,000 | 3,079 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2740% | 2,998 |
| Cost of funding earning assets | 0.4510% | 4,148 |
| Net interest margin | 3.8230% | 1,892 |
| Noninterest income to average assets | 0.7977% | 1,322 |
| Noninterest expense to average assets | 2.6664% | 2,797 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2736% | 1,314 |
| Return on assets (ROA) | 1.4774% | 900 |
| Pretax return on assets | 1.8636% | 608 |
| Return on Equity (ROE) | 11.6482% | 1,213 |
| Retained earnings to average equity (ytd only) | 8.0314% | 1,225 |
| Net charge-offs to loans | -0.2226% | 4,956 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4161% | 3,448 |
| Assets per employee ($millions) | 4.6929% | 2,999 |
| Cash dividends to net income (ytd only)* | 31.0502% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1207% | 420 |
| Loan loss allowance to noncurrent loans | 1,408.9172% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 4,278 |
| Noncurrent loans to loans | 0.1505% | 3,918 |
| Net loans and leases to total assets | 41.8353% | 4,598 |
| Net loans and leases to deposits | 47.8997% | 4,662 |
| Net loans and leases to core deposits | 54.5282% | 4,546 |
| Total domestic deposits to total assets | 87.3394% | 1,407 |
| Equity capital to assets | 12.0816% | 2,008 |
| Core capital (leverage) ratio | 12.3098% | 1,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5007% | 920 |
| Memoranda: | ||
| Average total assets | $237,172,500 | 2,576 |
| Average earning assets | $215,535,000 | 2,611 |
| Average equity | $30,082,000 | 2,446 |
| Average total loans | $104,203,000 | 3,170 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3980% | 3,260 |
| Cost of funding earning assets | 0.4153% | 4,392 |
| Net interest margin | 3.9828% | 1,904 |
| Noninterest income to average assets | 1.0753% | 822 |
| Noninterest expense to average assets | 2.8043% | 2,585 |
| Loan and lease loss provision to assets | 0.2661% | 678 |
| Net operating income to assets | 1.3085% | 1,657 |
| Return on assets (ROA) | 1.3226% | 1,683 |
| Pretax return on assets | 1.6390% | 1,373 |
| Return on Equity (ROE) | 10.0314% | 2,281 |
| Retained earnings to average equity (ytd only) | 3.0555% | 3,497 |
| Net charge-offs to loans | 0.0555% | 2,308 |
| Credit loss provision to net charge-offs | 1,032.2034% | 333 |
| Earnings coverage of net charge-offs (x) | 73.2203% | 854 |
| Efficiency ratio | 59.7690% | 3,732 |
| Assets per employee ($millions) | 4.4291% | 3,332 |
| Cash dividends to net income (ytd only)* | 69.5408% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0682% | 412 |
| Loan loss allowance to noncurrent loans | 1,371.3376% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 4,284 |
| Noncurrent loans to loans | 0.1508% | 3,924 |
| Net loans and leases to total assets | 44.2656% | 4,593 |
| Net loans and leases to deposits | 51.6352% | 4,618 |
| Net loans and leases to core deposits | 59.7437% | 4,454 |
| Total domestic deposits to total assets | 85.7276% | 2,174 |
| Equity capital to assets | 13.3215% | 1,355 |
| Core capital (leverage) ratio | 12.6059% | 1,426 |
| Tier 1 risk-based capital ratio | 18.5742% | 1,615 |
| Total risk-based capital ratio | 19.8255% | 1,588 |
| Memoranda: | ||
| Average total assets | $228,864,800 | 2,586 |
| Average earning assets | $207,820,800 | 2,628 |
| Average equity | $30,175,200 | 2,385 |
| Average total loans | $106,319,000 | 3,139 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3908% | 3,388 |
| Cost of funding earning assets | 0.4086% | 4,473 |
| Net interest margin | 3.9822% | 2,007 |
| Noninterest income to average assets | 0.8029% | 1,413 |
| Noninterest expense to average assets | 2.7669% | 2,662 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3313% | 1,720 |
| Return on assets (ROA) | 1.3502% | 1,711 |
| Pretax return on assets | 1.6764% | 1,402 |
| Return on Equity (ROE) | 10.2675% | 2,325 |
| Retained earnings to average equity (ytd only) | 6.5758% | 2,073 |
| Net charge-offs to loans | 0.0749% | 1,750 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 47.2155% | 1,239 |
| Efficiency ratio | 62.6007% | 3,232 |
| Assets per employee ($millions) | 4.4460% | 3,294 |
| Cash dividends to net income (ytd only)* | 35.9552% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 1,465 |
| Loan loss allowance to noncurrent loans | 877.8409% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 4,345 |
| Noncurrent loans to loans | 0.1629% | 3,962 |
| Net loans and leases to total assets | 45.1907% | 4,645 |
| Net loans and leases to deposits | 53.0491% | 4,668 |
| Net loans and leases to core deposits | 57.0457% | 4,651 |
| Total domestic deposits to total assets | 85.1865% | 2,356 |
| Equity capital to assets | 13.6091% | 1,309 |
| Core capital (leverage) ratio | 12.8459% | 1,410 |
| Tier 1 risk-based capital ratio | 19.0522% | 1,554 |
| Total risk-based capital ratio | 20.0391% | 1,582 |
| Memoranda: | ||
| Average total assets | $228,503,000 | 2,614 |
| Average earning assets | $207,550,750 | 2,652 |
| Average equity | $30,048,750 | 2,408 |
| Average total loans | $106,873,250 | 3,168 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3464% | 3,497 |
| Cost of funding earning assets | 0.4022% | 4,497 |
| Net interest margin | 3.9442% | 2,111 |
| Noninterest income to average assets | 0.7951% | 1,368 |
| Noninterest expense to average assets | 2.7914% | 2,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2848% | 1,832 |
| Return on assets (ROA) | 1.3134% | 1,789 |
| Pretax return on assets | 1.6212% | 1,481 |
| Return on Equity (ROE) | 10.1104% | 2,336 |
| Retained earnings to average equity (ytd only) | 6.3250% | 2,129 |
| Net charge-offs to loans | -0.0056% | 4,160 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7705% | 3,167 |
| Assets per employee ($millions) | 4.4255% | 3,248 |
| Cash dividends to net income (ytd only)* | 37.4411% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 1,284 |
| Loan loss allowance to noncurrent loans | 648.3871% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 4,221 |
| Noncurrent loans to loans | 0.2312% | 3,716 |
| Net loans and leases to total assets | 45.9144% | 4,642 |
| Net loans and leases to deposits | 53.5006% | 4,699 |
| Net loans and leases to core deposits | 55.3799% | 4,735 |
| Total domestic deposits to total assets | 85.8205% | 2,127 |
| Equity capital to assets | 13.3082% | 1,437 |
| Core capital (leverage) ratio | 12.7965% | 1,404 |
| Tier 1 risk-based capital ratio | 19.2126% | 1,508 |
| Total risk-based capital ratio | 20.2688% | 1,518 |
| Memoranda: | ||
| Average total assets | $226,125,000 | 2,643 |
| Average earning assets | $205,363,000 | 2,683 |
| Average equity | $29,375,670 | 2,437 |
| Average total loans | $106,487,330 | 3,190 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3105% | 3,526 |
| Cost of funding earning assets | 0.4051% | 4,461 |
| Net interest margin | 3.9054% | 2,169 |
| Noninterest income to average assets | 0.7621% | 1,389 |
| Noninterest expense to average assets | 2.7717% | 2,672 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2517% | 1,881 |
| Return on assets (ROA) | 1.2547% | 1,915 |
| Pretax return on assets | 1.5384% | 1,648 |
| Return on Equity (ROE) | 9.7807% | 2,457 |
| Retained earnings to average equity (ytd only) | 5.8990% | 2,498 |
| Net charge-offs to loans | -0.0075% | 4,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3597% | 3,180 |
| Assets per employee ($millions) | 4.2109% | 3,611 |
| Cash dividends to net income (ytd only)* | 39.6871% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 1,351 |
| Loan loss allowance to noncurrent loans | 495.6790% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 4,089 |
| Noncurrent loans to loans | 0.3019% | 3,479 |
| Net loans and leases to total assets | 46.4840% | 4,648 |
| Net loans and leases to deposits | 53.8459% | 4,682 |
| Net loans and leases to core deposits | 56.1210% | 4,711 |
| Total domestic deposits to total assets | 86.3279% | 2,132 |
| Equity capital to assets | 12.9680% | 1,474 |
| Core capital (leverage) ratio | 12.7911% | 1,362 |
| Tier 1 risk-based capital ratio | 19.0185% | 1,538 |
| Total risk-based capital ratio | 20.0810% | 1,546 |
| Memoranda: | ||
| Average total assets | $224,123,500 | 2,688 |
| Average earning assets | $203,409,000 | 2,729 |
| Average equity | $28,750,500 | 2,473 |
| Average total loans | $106,096,000 | 3,224 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1556% | 3,564 |
| Cost of funding earning assets | 0.2502% | 4,807 |
| Net interest margin | 3.9055% | 2,309 |
| Noninterest income to average assets | 0.7932% | 1,472 |
| Noninterest expense to average assets | 2.8465% | 2,527 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2242% | 2,067 |
| Return on assets (ROA) | 1.2249% | 2,057 |
| Pretax return on assets | 1.4897% | 1,813 |
| Return on Equity (ROE) | 10.0879% | 2,481 |
| Retained earnings to average equity (ytd only) | 7.2257% | 1,566 |
| Net charge-offs to loans | 0.0039% | 3,588 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 826.7500% | 129 |
| Efficiency ratio | 65.6594% | 2,921 |
| Assets per employee ($millions) | 4.0899% | 3,760 |
| Cash dividends to net income (ytd only)* | 28.3719% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5293% | 1,203 |
| Loan loss allowance to noncurrent loans | 583.2727% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 4,199 |
| Noncurrent loans to loans | 0.2622% | 3,634 |
| Net loans and leases to total assets | 46.7642% | 4,707 |
| Net loans and leases to deposits | 55.0837% | 4,702 |
| Net loans and leases to core deposits | 57.9078% | 4,705 |
| Total domestic deposits to total assets | 84.8966% | 2,688 |
| Equity capital to assets | 12.6838% | 1,490 |
| Core capital (leverage) ratio | 12.8545% | 1,306 |
| Tier 1 risk-based capital ratio | 18.8789% | 1,539 |
| Total risk-based capital ratio | 19.9481% | 1,530 |
| Memoranda: | ||
| Average total assets | $222,132,600 | 2,683 |
| Average earning assets | $201,461,400 | 2,707 |
| Average equity | $26,973,000 | 2,514 |
| Average total loans | $101,901,800 | 3,262 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1016% | 3,623 |
| Cost of funding earning assets | 0.2267% | 4,910 |
| Net interest margin | 3.8750% | 2,392 |
| Noninterest income to average assets | 0.7798% | 1,541 |
| Noninterest expense to average assets | 2.8464% | 2,471 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1983% | 2,245 |
| Return on assets (ROA) | 1.1993% | 2,245 |
| Pretax return on assets | 1.4493% | 2,062 |
| Return on Equity (ROE) | 9.9874% | 2,629 |
| Retained earnings to average equity (ytd only) | 7.1075% | 2,075 |
| Net charge-offs to loans | 0.0237% | 2,656 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 134.2188% | 603 |
| Efficiency ratio | 66.2805% | 2,817 |
| Assets per employee ($millions) | 4.0870% | 3,754 |
| Cash dividends to net income (ytd only)* | 28.8355% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 1,241 |
| Loan loss allowance to noncurrent loans | 470.7101% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 4,188 |
| Noncurrent loans to loans | 0.3261% | 3,502 |
| Net loans and leases to total assets | 46.2426% | 4,790 |
| Net loans and leases to deposits | 52.8974% | 4,858 |
| Net loans and leases to core deposits | 54.6370% | 4,889 |
| Total domestic deposits to total assets | 87.4195% | 1,535 |
| Equity capital to assets | 12.0793% | 1,853 |
| Core capital (leverage) ratio | 12.6308% | 1,445 |
| Tier 1 risk-based capital ratio | 18.5138% | 1,663 |
| Total risk-based capital ratio | 19.5735% | 1,665 |
| Memoranda: | ||
| Average total assets | $222,451,500 | 2,693 |
| Average earning assets | $201,768,250 | 2,721 |
| Average equity | $26,713,000 | 2,537 |
| Average total loans | $101,155,750 | 3,307 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 3,698 |
| Cost of funding earning assets | 0.2164% | 4,942 |
| Net interest margin | 3.8118% | 2,531 |
| Noninterest income to average assets | 0.7667% | 1,585 |
| Noninterest expense to average assets | 2.8040% | 2,646 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1804% | 2,276 |
| Return on assets (ROA) | 1.1819% | 2,270 |
| Pretax return on assets | 1.4231% | 2,074 |
| Return on Equity (ROE) | 9.8612% | 2,627 |
| Retained earnings to average equity (ytd only) | 6.9956% | 2,070 |
| Net charge-offs to loans | -0.0080% | 4,237 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3625% | 2,919 |
| Assets per employee ($millions) | 4.0245% | 3,855 |
| Cash dividends to net income (ytd only)* | 29.0592% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5534% | 1,228 |
| Loan loss allowance to noncurrent loans | 407.3232% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 4,087 |
| Noncurrent loans to loans | 0.3814% | 3,330 |
| Net loans and leases to total assets | 46.1834% | 4,818 |
| Net loans and leases to deposits | 52.7866% | 4,884 |
| Net loans and leases to core deposits | 54.4315% | 4,918 |
| Total domestic deposits to total assets | 87.4906% | 1,651 |
| Equity capital to assets | 12.1263% | 1,769 |
| Core capital (leverage) ratio | 12.3182% | 1,529 |
| Tier 1 risk-based capital ratio | 18.2194% | 1,746 |
| Total risk-based capital ratio | 19.2956% | 1,753 |
| Memoranda: | ||
| Average total assets | $223,035,670 | 2,698 |
| Average earning assets | $202,374,000 | 2,734 |
| Average equity | $26,731,000 | 2,547 |
| Average total loans | $100,325,000 | 3,336 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9645% | 3,739 |
| Cost of funding earning assets | 0.2204% | 4,892 |
| Net interest margin | 3.7442% | 2,636 |
| Noninterest income to average assets | 0.7468% | 1,636 |
| Noninterest expense to average assets | 2.7693% | 2,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1459% | 2,237 |
| Return on assets (ROA) | 1.1488% | 2,236 |
| Pretax return on assets | 1.3811% | 2,075 |
| Return on Equity (ROE) | 9.6416% | 2,613 |
| Retained earnings to average equity (ytd only) | 6.8076% | 2,363 |
| Net charge-offs to loans | -0.0081% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7816% | 3,037 |
| Assets per employee ($millions) | 4.2602% | 3,548 |
| Cash dividends to net income (ytd only)* | 29.3935% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5899% | 1,181 |
| Loan loss allowance to noncurrent loans | 389.1304% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 4,091 |
| Noncurrent loans to loans | 0.4086% | 3,316 |
| Net loans and leases to total assets | 43.3441% | 4,926 |
| Net loans and leases to deposits | 50.6456% | 4,939 |
| Net loans and leases to core deposits | 52.2657% | 4,971 |
| Total domestic deposits to total assets | 85.5831% | 2,715 |
| Equity capital to assets | 11.4523% | 2,170 |
| Core capital (leverage) ratio | 11.9396% | 1,689 |
| Tier 1 risk-based capital ratio | 18.1313% | 1,798 |
| Total risk-based capital ratio | 19.2202% | 1,792 |
| Memoranda: | ||
| Average total assets | $223,880,500 | 2,716 |
| Average earning assets | $203,302,000 | 2,759 |
| Average equity | $26,676,000 | 2,575 |
| Average total loans | $98,568,500 | 3,386 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8477% | 3,889 |
| Cost of funding earning assets | 0.2052% | 4,902 |
| Net interest margin | 3.6425% | 3,015 |
| Noninterest income to average assets | 0.7340% | 1,827 |
| Noninterest expense to average assets | 2.6901% | 3,159 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0894% | 1,891 |
| Return on assets (ROA) | 1.0722% | 1,990 |
| Pretax return on assets | 1.3477% | 2,180 |
| Return on Equity (ROE) | 9.0320% | 2,299 |
| Retained earnings to average equity (ytd only) | 6.2211% | 1,425 |
| Net charge-offs to loans | 0.0108% | 3,711 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 304.1000% | 286 |
| Efficiency ratio | 66.2673% | 3,213 |
| Assets per employee ($millions) | 4.1078% | 3,801 |
| Cash dividends to net income (ytd only)* | 31.1214% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6783% | 982 |
| Loan loss allowance to noncurrent loans | 667.2199% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 4,480 |
| Noncurrent loans to loans | 0.2515% | 3,883 |
| Net loans and leases to total assets | 43.2707% | 5,014 |
| Net loans and leases to deposits | 50.0303% | 5,059 |
| Net loans and leases to core deposits | 50.8175% | 5,105 |
| Total domestic deposits to total assets | 86.4890% | 2,235 |
| Equity capital to assets | 12.4045% | 1,573 |
| Core capital (leverage) ratio | 12.0448% | 1,581 |
| Tier 1 risk-based capital ratio | 18.2777% | 1,719 |
| Total risk-based capital ratio | 19.3922% | 1,717 |
| Memoranda: | ||
| Average total assets | $222,076,600 | 2,709 |
| Average earning assets | $202,742,800 | 2,744 |
| Average equity | $26,361,800 | 2,588 |
| Average total loans | $92,272,000 | 3,484 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8237% | 3,926 |
| Cost of funding earning assets | 0.2091% | 4,891 |
| Net interest margin | 3.6147% | 3,089 |
| Noninterest income to average assets | 0.7205% | 1,906 |
| Noninterest expense to average assets | 2.6676% | 3,174 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0545% | 2,311 |
| Return on assets (ROA) | 1.0545% | 2,345 |
| Pretax return on assets | 1.3586% | 2,248 |
| Return on Equity (ROE) | 8.9817% | 2,616 |
| Retained earnings to average equity (ytd only) | 6.1574% | 2,139 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2561% | 3,165 |
| Assets per employee ($millions) | 4.0643% | 3,875 |
| Cash dividends to net income (ytd only)* | 31.4448% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7425% | 956 |
| Loan loss allowance to noncurrent loans | 742.2018% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 4,656 |
| Noncurrent loans to loans | 0.2348% | 4,123 |
| Net loans and leases to total assets | 41.5709% | 5,132 |
| Net loans and leases to deposits | 47.6421% | 5,199 |
| Net loans and leases to core deposits | 49.3597% | 5,220 |
| Total domestic deposits to total assets | 87.2566% | 1,747 |
| Equity capital to assets | 12.3907% | 1,724 |
| Core capital (leverage) ratio | 11.6193% | 1,936 |
| Tier 1 risk-based capital ratio | 18.4411% | 1,747 |
| Total risk-based capital ratio | 19.5892% | 1,731 |
| Memoranda: | ||
| Average total assets | $223,168,000 | 2,721 |
| Average earning assets | $204,090,250 | 2,747 |
| Average equity | $26,200,750 | 2,619 |
| Average total loans | $91,386,750 | 3,530 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7542% | 4,060 |
| Cost of funding earning assets | 0.2123% | 4,864 |
| Net interest margin | 3.5419% | 3,250 |
| Noninterest income to average assets | 0.7032% | 1,974 |
| Noninterest expense to average assets | 2.6524% | 3,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0169% | 2,348 |
| Return on assets (ROA) | 1.0169% | 2,388 |
| Pretax return on assets | 1.2923% | 2,416 |
| Return on Equity (ROE) | 8.8211% | 2,593 |
| Retained earnings to average equity (ytd only) | 5.9761% | 2,136 |
| Net charge-offs to loans | 0.0110% | 3,073 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 290.0000% | 290 |
| Efficiency ratio | 67.2390% | 3,144 |
| Assets per employee ($millions) | 4.3477% | 3,350 |
| Cash dividends to net income (ytd only)* | 32.2524% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7712% | 942 |
| Loan loss allowance to noncurrent loans | 515.3355% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 4,644 |
| Noncurrent loans to loans | 0.3437% | 3,810 |
| Net loans and leases to total assets | 38.8208% | 5,271 |
| Net loans and leases to deposits | 44.0671% | 5,338 |
| Net loans and leases to core deposits | 46.5083% | 5,329 |
| Total domestic deposits to total assets | 88.0948% | 1,410 |
| Equity capital to assets | 11.6449% | 2,195 |
| Core capital (leverage) ratio | 11.2956% | 2,132 |
| Tier 1 risk-based capital ratio | 18.4696% | 1,724 |
| Total risk-based capital ratio | 19.6354% | 1,713 |
| Memoranda: | ||
| Average total assets | $224,400,330 | 2,726 |
| Average earning assets | $205,372,670 | 2,753 |
| Average equity | $25,869,670 | 2,640 |
| Average total loans | $90,897,670 | 3,559 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7959% | 3,773 |
| Cost of funding earning assets | 0.2175% | 4,821 |
| Net interest margin | 3.5785% | 2,970 |
| Noninterest income to average assets | 0.7010% | 1,966 |
| Noninterest expense to average assets | 2.6975% | 3,150 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0118% | 2,258 |
| Return on assets (ROA) | 1.0118% | 2,310 |
| Pretax return on assets | 1.2738% | 2,335 |
| Return on Equity (ROE) | 8.8231% | 2,496 |
| Retained earnings to average equity (ytd only) | 5.9398% | 2,381 |
| Net charge-offs to loans | -0.0220% | 4,793 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9254% | 3,212 |
| Assets per employee ($millions) | 4.2567% | 3,575 |
| Cash dividends to net income (ytd only)* | 32.6786% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7962% | 965 |
| Loan loss allowance to noncurrent loans | 949.1228% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 4,973 |
| Noncurrent loans to loans | 0.1892% | 4,445 |
| Net loans and leases to total assets | 39.3317% | 5,274 |
| Net loans and leases to deposits | 45.0449% | 5,330 |
| Net loans and leases to core deposits | 49.8089% | 5,229 |
| Total domestic deposits to total assets | 87.3167% | 2,066 |
| Equity capital to assets | 11.4484% | 2,216 |
| Core capital (leverage) ratio | 11.3740% | 2,044 |
| Tier 1 risk-based capital ratio | 18.0901% | 1,842 |
| Total risk-based capital ratio | 19.2572% | 1,832 |
| Memoranda: | ||
| Average total assets | $221,386,500 | 2,779 |
| Average earning assets | $202,321,500 | 2,807 |
| Average equity | $25,388,000 | 2,686 |
| Average total loans | $90,813,000 | 3,582 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7318% | 4,119 |
| Cost of funding earning assets | 0.2144% | 4,891 |
| Net interest margin | 3.5174% | 3,366 |
| Noninterest income to average assets | 0.7473% | 1,965 |
| Noninterest expense to average assets | 2.7159% | 3,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9986% | 2,358 |
| Return on assets (ROA) | 1.0669% | 2,158 |
| Pretax return on assets | 1.3451% | 2,115 |
| Return on Equity (ROE) | 8.5962% | 2,616 |
| Retained earnings to average equity (ytd only) | -5.8287% | 5,702 |
| Net charge-offs to loans | -0.0396% | 5,331 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3316% | 3,179 |
| Assets per employee ($millions) | 3.8780% | 4,178 |
| Cash dividends to net income (ytd only)* | 167.8059% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7728% | 995 |
| Loan loss allowance to noncurrent loans | 471.7201% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 4,687 |
| Noncurrent loans to loans | 0.3758% | 3,780 |
| Net loans and leases to total assets | 41.2817% | 5,265 |
| Net loans and leases to deposits | 46.8611% | 5,337 |
| Net loans and leases to core deposits | 52.2688% | 5,220 |
| Total domestic deposits to total assets | 88.0936% | 1,589 |
| Equity capital to assets | 11.4878% | 2,181 |
| Core capital (leverage) ratio | 11.2201% | 2,152 |
| Tier 1 risk-based capital ratio | 17.6959% | 1,946 |
| Total risk-based capital ratio | 18.8514% | 1,936 |
| Memoranda: | ||
| Average total assets | $222,138,400 | 2,740 |
| Average earning assets | $203,813,600 | 2,751 |
| Average equity | $27,570,400 | 2,531 |
| Average total loans | $88,479,400 | 3,607 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6911% | 4,281 |
| Cost of funding earning assets | 0.2164% | 4,910 |
| Net interest margin | 3.4748% | 3,559 |
| Noninterest income to average assets | 0.7306% | 2,043 |
| Noninterest expense to average assets | 2.6465% | 3,511 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0047% | 2,411 |
| Return on assets (ROA) | 1.0953% | 2,122 |
| Pretax return on assets | 1.3907% | 2,066 |
| Return on Equity (ROE) | 8.6679% | 2,681 |
| Retained earnings to average equity (ytd only) | 0.0095% | 5,343 |
| Net charge-offs to loans | -0.0486% | 5,358 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4680% | 3,324 |
| Assets per employee ($millions) | 4.1767% | 3,641 |
| Cash dividends to net income (ytd only)* | 99.8909% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7398% | 1,128 |
| Loan loss allowance to noncurrent loans | 996.9136% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 5,149 |
| Noncurrent loans to loans | 0.1745% | 4,650 |
| Net loans and leases to total assets | 40.4419% | 5,357 |
| Net loans and leases to deposits | 46.6687% | 5,431 |
| Net loans and leases to core deposits | 50.9317% | 5,352 |
| Total domestic deposits to total assets | 86.6574% | 2,054 |
| Equity capital to assets | 12.7032% | 1,646 |
| Core capital (leverage) ratio | 11.6809% | 1,905 |
| Tier 1 risk-based capital ratio | 18.7872% | 1,715 |
| Total risk-based capital ratio | 19.9371% | 1,710 |
| Memoranda: | ||
| Average total assets | $223,380,750 | 2,734 |
| Average earning assets | $205,207,750 | 2,750 |
| Average equity | $28,226,000 | 2,519 |
| Average total loans | $87,782,000 | 3,636 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6809% | 4,356 |
| Cost of funding earning assets | 0.2231% | 4,910 |
| Net interest margin | 3.4578% | 3,651 |
| Noninterest income to average assets | 0.7231% | 2,036 |
| Noninterest expense to average assets | 2.6632% | 3,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9749% | 2,499 |
| Return on assets (ROA) | 1.1111% | 2,040 |
| Pretax return on assets | 1.4066% | 2,001 |
| Return on Equity (ROE) | 8.8092% | 2,584 |
| Retained earnings to average equity (ytd only) | -2.8699% | 5,619 |
| Net charge-offs to loans | -0.0581% | 5,426 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3337% | 3,272 |
| Assets per employee ($millions) | 4.1546% | 3,644 |
| Cash dividends to net income (ytd only)* | 132.5788% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9009% | 894 |
| Loan loss allowance to noncurrent loans | 664.4628% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 5,078 |
| Noncurrent loans to loans | 0.2861% | 4,348 |
| Net loans and leases to total assets | 36.9884% | 5,561 |
| Net loans and leases to deposits | 42.6238% | 5,600 |
| Net loans and leases to core deposits | 47.6689% | 5,509 |
| Total domestic deposits to total assets | 86.7786% | 2,019 |
| Equity capital to assets | 12.6334% | 1,696 |
| Core capital (leverage) ratio | 11.6853% | 1,854 |
| Tier 1 risk-based capital ratio | 19.3948% | 1,596 |
| Total risk-based capital ratio | 20.5951% | 1,571 |
| Memoranda: | ||
| Average total assets | $222,660,670 | 2,751 |
| Average earning assets | $204,405,330 | 2,767 |
| Average equity | $28,084,330 | 2,529 |
| Average total loans | $86,100,000 | 3,690 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7171% | 4,262 |
| Cost of funding earning assets | 0.2241% | 4,960 |
| Net interest margin | 3.4931% | 3,499 |
| Noninterest income to average assets | 0.6979% | 2,052 |
| Noninterest expense to average assets | 2.6581% | 3,548 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9738% | 2,398 |
| Return on assets (ROA) | 1.1848% | 1,705 |
| Pretax return on assets | 1.5148% | 1,538 |
| Return on Equity (ROE) | 9.4008% | 2,239 |
| Retained earnings to average equity (ytd only) | 6.6249% | 2,071 |
| Net charge-offs to loans | -0.1243% | 5,713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1146% | 3,449 |
| Assets per employee ($millions) | 4.3949% | 3,257 |
| Cash dividends to net income (ytd only)* | 29.5282% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8685% | 1,015 |
| Loan loss allowance to noncurrent loans | 860.9626% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 5,245 |
| Noncurrent loans to loans | 0.2170% | 4,652 |
| Net loans and leases to total assets | 37.7244% | 5,565 |
| Net loans and leases to deposits | 44.5749% | 5,567 |
| Net loans and leases to core deposits | 50.0814% | 5,437 |
| Total domestic deposits to total assets | 84.6314% | 3,265 |
| Equity capital to assets | 12.6841% | 1,569 |
| Core capital (leverage) ratio | 12.1025% | 1,543 |
| Tier 1 risk-based capital ratio | 19.2867% | 1,662 |
| Total risk-based capital ratio | 20.4432% | 1,655 |
| Memoranda: | ||
| Average total assets | $221,816,500 | 2,765 |
| Average earning assets | $203,489,500 | 2,783 |
| Average equity | $27,955,000 | 2,535 |
| Average total loans | $86,854,500 | 3,685 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7636% | 4,153 |
| Cost of funding earning assets | 0.2286% | 5,017 |
| Net interest margin | 3.5350% | 3,395 |
| Noninterest income to average assets | 0.6455% | 2,485 |
| Noninterest expense to average assets | 2.6770% | 3,662 |
| Loan and lease loss provision to assets | 0.0243% | 3,898 |
| Net operating income to assets | 0.9866% | 2,438 |
| Return on assets (ROA) | 1.0160% | 2,356 |
| Pretax return on assets | 1.2312% | 2,538 |
| Return on Equity (ROE) | 8.5308% | 2,703 |
| Retained earnings to average equity (ytd only) | 5.6686% | 1,973 |
| Net charge-offs to loans | 0.0549% | 3,110 |
| Credit loss provision to net charge-offs | 114.5833% | 2,223 |
| Earnings coverage of net charge-offs (x) | 57.4167% | 897 |
| Efficiency ratio | 68.6925% | 3,450 |
| Assets per employee ($millions) | 4.1414% | 3,678 |
| Cash dividends to net income (ytd only)* | 33.5512% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8082% | 1,114 |
| Loan loss allowance to noncurrent loans | 761.0577% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 5,096 |
| Noncurrent loans to loans | 0.2376% | 4,575 |
| Net loans and leases to total assets | 39.1633% | 5,562 |
| Net loans and leases to deposits | 46.1563% | 5,553 |
| Net loans and leases to core deposits | 52.0077% | 5,410 |
| Total domestic deposits to total assets | 84.8492% | 3,153 |
| Equity capital to assets | 12.5197% | 1,614 |
| Core capital (leverage) ratio | 11.6749% | 1,833 |
| Tier 1 risk-based capital ratio | 18.7835% | 1,750 |
| Total risk-based capital ratio | 19.9104% | 1,740 |
| Memoranda: | ||
| Average total assets | $225,884,800 | 2,698 |
| Average earning assets | $207,781,000 | 2,697 |
| Average equity | $26,902,400 | 2,559 |
| Average total loans | $87,469,600 | 3,641 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7225% | 4,353 |
| Cost of funding earning assets | 0.2241% | 5,146 |
| Net interest margin | 3.4984% | 3,542 |
| Noninterest income to average assets | 0.6195% | 2,635 |
| Noninterest expense to average assets | 2.6252% | 3,781 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9955% | 2,492 |
| Return on assets (ROA) | 1.0474% | 2,329 |
| Pretax return on assets | 1.2783% | 2,481 |
| Return on Equity (ROE) | 8.9043% | 2,628 |
| Retained earnings to average equity (ytd only) | 6.0242% | 2,232 |
| Net charge-offs to loans | 0.1357% | 1,778 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 23.2929% | 1,742 |
| Efficiency ratio | 68.3608% | 3,473 |
| Assets per employee ($millions) | 4.2305% | 3,458 |
| Cash dividends to net income (ytd only)* | 32.3448% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6731% | 1,544 |
| Loan loss allowance to noncurrent loans | 376.4557% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 4,929 |
| Noncurrent loans to loans | 0.4444% | 4,015 |
| Net loans and leases to total assets | 38.2542% | 5,688 |
| Net loans and leases to deposits | 46.2301% | 5,641 |
| Net loans and leases to core deposits | 51.9977% | 5,500 |
| Total domestic deposits to total assets | 82.7475% | 3,901 |
| Equity capital to assets | 11.9261% | 2,161 |
| Core capital (leverage) ratio | 11.3603% | 2,145 |
| Tier 1 risk-based capital ratio | 18.2774% | 1,966 |
| Total risk-based capital ratio | 19.3199% | 1,970 |
| Memoranda: | ||
| Average total assets | $227,482,500 | 2,707 |
| Average earning assets | $209,424,250 | 2,704 |
| Average equity | $26,758,000 | 2,583 |
| Average total loans | $87,451,000 | 3,683 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7231% | 4,342 |
| Cost of funding earning assets | 0.2238% | 5,210 |
| Net interest margin | 3.4993% | 3,503 |
| Noninterest income to average assets | 0.6040% | 2,711 |
| Noninterest expense to average assets | 2.6448% | 3,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9724% | 2,527 |
| Return on assets (ROA) | 1.0504% | 2,250 |
| Pretax return on assets | 1.2757% | 2,450 |
| Return on Equity (ROE) | 8.9714% | 2,563 |
| Retained earnings to average equity (ytd only) | 6.0687% | 2,200 |
| Net charge-offs to loans | 0.2322% | 1,116 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 13.2772% | 2,144 |
| Efficiency ratio | 69.1369% | 3,466 |
| Assets per employee ($millions) | 4.2717% | 3,351 |
| Cash dividends to net income (ytd only)* | 32.3554% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6561% | 1,726 |
| Loan loss allowance to noncurrent loans | 498.3108% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 5,051 |
| Noncurrent loans to loans | 0.3323% | 4,497 |
| Net loans and leases to total assets | 37.9715% | 5,741 |
| Net loans and leases to deposits | 45.2003% | 5,712 |
| Net loans and leases to core deposits | 50.6816% | 5,588 |
| Total domestic deposits to total assets | 84.0072% | 3,559 |
| Equity capital to assets | 11.4062% | 2,493 |
| Core capital (leverage) ratio | 11.1152% | 2,319 |
| Tier 1 risk-based capital ratio | 17.7621% | 2,139 |
| Total risk-based capital ratio | 18.7829% | 2,161 |
| Memoranda: | ||
| Average total assets | $227,160,670 | 2,725 |
| Average earning assets | $209,124,670 | 2,721 |
| Average equity | $26,595,670 | 2,601 |
| Average total loans | $86,975,330 | 3,713 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7338% | 4,250 |
| Cost of funding earning assets | 0.2234% | 5,284 |
| Net interest margin | 3.5105% | 3,390 |
| Noninterest income to average assets | 0.6105% | 2,592 |
| Noninterest expense to average assets | 2.6761% | 3,672 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9867% | 2,323 |
| Return on assets (ROA) | 0.9867% | 2,450 |
| Pretax return on assets | 1.1695% | 2,786 |
| Return on Equity (ROE) | 8.3178% | 2,800 |
| Retained earnings to average equity (ytd only) | 5.4305% | 2,817 |
| Net charge-offs to loans | -0.0326% | 5,299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5893% | 3,559 |
| Assets per employee ($millions) | 4.2165% | 3,536 |
| Cash dividends to net income (ytd only)* | 34.7122% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8071% | 1,486 |
| Loan loss allowance to noncurrent loans | 282.6786% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 4,849 |
| Noncurrent loans to loans | 0.6393% | 3,670 |
| Net loans and leases to total assets | 37.0911% | 5,768 |
| Net loans and leases to deposits | 44.1564% | 5,753 |
| Net loans and leases to core deposits | 49.4925% | 5,613 |
| Total domestic deposits to total assets | 83.9994% | 3,815 |
| Equity capital to assets | 11.6692% | 2,324 |
| Core capital (leverage) ratio | 11.1234% | 2,291 |
| Tier 1 risk-based capital ratio | 17.5330% | 2,285 |
| Total risk-based capital ratio | 18.6333% | 2,302 |
| Memoranda: | ||
| Average total assets | $225,404,500 | 2,762 |
| Average earning assets | $207,722,500 | 2,751 |
| Average equity | $26,738,000 | 2,608 |
| Average total loans | $85,930,500 | 3,753 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6231% | 5,019 |
| Cost of funding earning assets | 0.2383% | 5,437 |
| Net interest margin | 3.3848% | 4,255 |
| Noninterest income to average assets | 0.6708% | 2,446 |
| Noninterest expense to average assets | 2.6458% | 4,068 |
| Loan and lease loss provision to assets | 0.0158% | 4,290 |
| Net operating income to assets | 0.9234% | 2,759 |
| Return on assets (ROA) | 0.9489% | 2,723 |
| Pretax return on assets | 1.1507% | 2,869 |
| Return on Equity (ROE) | 8.1840% | 3,032 |
| Retained earnings to average equity (ytd only) | 1.0201% | 5,310 |
| Net charge-offs to loans | -0.0943% | 6,098 |
| Credit loss provision to net charge-offs | -41.6667% | 5,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9737% | 3,528 |
| Assets per employee ($millions) | 3.8403% | 4,267 |
| Cash dividends to net income (ytd only)* | 87.5357% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8692% | 1,381 |
| Loan loss allowance to noncurrent loans | 201.9231% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 4,494 |
| Noncurrent loans to loans | 0.9257% | 3,000 |
| Net loans and leases to total assets | 37.7731% | 5,866 |
| Net loans and leases to deposits | 43.2259% | 5,913 |
| Net loans and leases to core deposits | 48.5403% | 5,785 |
| Total domestic deposits to total assets | 87.3855% | 2,090 |
| Equity capital to assets | 12.0668% | 1,974 |
| Core capital (leverage) ratio | 11.2849% | 2,151 |
| Tier 1 risk-based capital ratio | 18.9035% | 1,879 |
| Total risk-based capital ratio | 20.1019% | 1,853 |
| Memoranda: | ||
| Average total assets | $221,517,400 | 2,767 |
| Average earning assets | $203,555,600 | 2,765 |
| Average equity | $25,684,200 | 2,596 |
| Average total loans | $89,074,400 | 3,653 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6697% | 4,943 |
| Cost of funding earning assets | 0.2410% | 5,499 |
| Net interest margin | 3.4286% | 4,111 |
| Noninterest income to average assets | 0.6337% | 2,660 |
| Noninterest expense to average assets | 2.6663% | 3,958 |
| Loan and lease loss provision to assets | 0.0210% | 3,989 |
| Net operating income to assets | 0.9040% | 2,899 |
| Return on assets (ROA) | 0.9380% | 2,831 |
| Pretax return on assets | 1.1378% | 3,039 |
| Return on Equity (ROE) | 8.1718% | 3,118 |
| Retained earnings to average equity (ytd only) | -0.4392% | 5,866 |
| Net charge-offs to loans | -0.2540% | 6,355 |
| Credit loss provision to net charge-offs | -20.3488% | 5,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4679% | 3,426 |
| Assets per employee ($millions) | 3.8281% | 4,228 |
| Cash dividends to net income (ytd only)* | 105.3744% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9314% | 1,389 |
| Loan loss allowance to noncurrent loans | 266.9342% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.3730% | 4,805 |
| Noncurrent loans to loans | 0.7235% | 3,796 |
| Net loans and leases to total assets | 38.6985% | 5,903 |
| Net loans and leases to deposits | 44.0816% | 5,966 |
| Net loans and leases to core deposits | 49.5110% | 5,815 |
| Total domestic deposits to total assets | 87.7884% | 1,870 |
| Equity capital to assets | 11.8212% | 2,212 |
| Core capital (leverage) ratio | 10.9294% | 2,558 |
| Tier 1 risk-based capital ratio | 18.4711% | 2,063 |
| Total risk-based capital ratio | 19.7218% | 2,022 |
| Memoranda: | ||
| Average total assets | $222,172,000 | 2,779 |
| Average earning assets | $204,118,000 | 2,784 |
| Average equity | $25,501,750 | 2,625 |
| Average total loans | $90,278,000 | 3,655 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6573% | 4,983 |
| Cost of funding earning assets | 0.2406% | 5,577 |
| Net interest margin | 3.4167% | 4,111 |
| Noninterest income to average assets | 0.6577% | 2,493 |
| Noninterest expense to average assets | 2.6810% | 3,937 |
| Loan and lease loss provision to assets | 0.0313% | 3,654 |
| Net operating income to assets | 0.8890% | 2,863 |
| Return on assets (ROA) | 0.9396% | 2,708 |
| Pretax return on assets | 1.1454% | 2,901 |
| Return on Equity (ROE) | 8.2663% | 2,950 |
| Retained earnings to average equity (ytd only) | 5.1881% | 2,839 |
| Net charge-offs to loans | -0.2618% | 6,406 |
| Credit loss provision to net charge-offs | -29.1667% | 5,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6271% | 3,549 |
| Assets per employee ($millions) | 3.8210% | 4,215 |
| Cash dividends to net income (ytd only)* | 37.2381% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7957% | 1,851 |
| Loan loss allowance to noncurrent loans | 286.1456% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 4,671 |
| Noncurrent loans to loans | 0.6276% | 4,141 |
| Net loans and leases to total assets | 39.0805% | 5,892 |
| Net loans and leases to deposits | 44.4237% | 5,961 |
| Net loans and leases to core deposits | 51.3197% | 5,714 |
| Total domestic deposits to total assets | 87.9722% | 1,912 |
| Equity capital to assets | 11.7128% | 2,231 |
| Core capital (leverage) ratio | 11.3654% | 2,105 |
| Tier 1 risk-based capital ratio | 18.7714% | 1,984 |
| Total risk-based capital ratio | 19.9686% | 1,959 |
| Memoranda: | ||
| Average total assets | $223,495,330 | 2,784 |
| Average earning assets | $205,285,330 | 2,782 |
| Average equity | $25,404,330 | 2,621 |
| Average total loans | $91,669,330 | 3,648 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6945% | 4,867 |
| Cost of funding earning assets | 0.2450% | 5,633 |
| Net interest margin | 3.4495% | 3,903 |
| Noninterest income to average assets | 0.6975% | 2,179 |
| Noninterest expense to average assets | 2.7592% | 3,717 |
| Loan and lease loss provision to assets | 0.0629% | 2,863 |
| Net operating income to assets | 0.8700% | 2,792 |
| Return on assets (ROA) | 0.8700% | 2,860 |
| Pretax return on assets | 1.0390% | 3,170 |
| Return on Equity (ROE) | 7.7739% | 3,054 |
| Retained earnings to average equity (ytd only) | 4.6418% | 3,330 |
| Net charge-offs to loans | -0.2461% | 6,436 |
| Credit loss provision to net charge-offs | -61.4035% | 4,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4618% | 3,588 |
| Assets per employee ($millions) | 3.6857% | 4,550 |
| Cash dividends to net income (ytd only)* | 40.2893% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6869% | 2,396 |
| Loan loss allowance to noncurrent loans | 295.9847% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 4,763 |
| Noncurrent loans to loans | 0.5699% | 4,452 |
| Net loans and leases to total assets | 40.1265% | 5,799 |
| Net loans and leases to deposits | 45.6598% | 5,875 |
| Net loans and leases to core deposits | 53.4041% | 5,539 |
| Total domestic deposits to total assets | 87.8815% | 2,298 |
| Equity capital to assets | 11.3064% | 2,413 |
| Core capital (leverage) ratio | 11.1660% | 2,252 |
| Tier 1 risk-based capital ratio | 18.1191% | 2,245 |
| Total risk-based capital ratio | 19.2462% | 2,277 |
| Memoranda: | ||
| Average total assets | $222,524,500 | 2,802 |
| Average earning assets | $204,089,000 | 2,810 |
| Average equity | $24,904,000 | 2,654 |
| Average total loans | $92,647,500 | 3,641 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8415% | 4,656 |
| Cost of funding earning assets | 0.2788% | 5,770 |
| Net interest margin | 3.5627% | 3,629 |
| Noninterest income to average assets | 0.6785% | 2,657 |
| Noninterest expense to average assets | 2.7406% | 3,945 |
| Loan and lease loss provision to assets | 0.0695% | 3,738 |
| Net operating income to assets | 0.9310% | 2,643 |
| Return on assets (ROA) | 0.9310% | 2,720 |
| Pretax return on assets | 1.1301% | 2,850 |
| Return on Equity (ROE) | 8.0977% | 2,985 |
| Retained earnings to average equity (ytd only) | 5.6885% | 2,164 |
| Net charge-offs to loans | 0.7627% | 829 |
| Credit loss provision to net charge-offs | 20.5479% | 4,437 |
| Earnings coverage of net charge-offs (x) | 3.5479% | 3,827 |
| Efficiency ratio | 69.5545% | 3,912 |
| Assets per employee ($millions) | 3.6102% | 4,655 |
| Cash dividends to net income (ytd only)* | 29.7512% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5567% | 2,932 |
| Loan loss allowance to noncurrent loans | 239.8682% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.5290% | 4,657 |
| Noncurrent loans to loans | 0.6490% | 4,350 |
| Net loans and leases to total assets | 41.8105% | 5,836 |
| Net loans and leases to deposits | 48.5502% | 5,861 |
| Net loans and leases to core deposits | 55.1133% | 5,605 |
| Total domestic deposits to total assets | 86.1180% | 3,194 |
| Equity capital to assets | 11.0744% | 2,547 |
| Core capital (leverage) ratio | 11.1440% | 2,244 |
| Tier 1 risk-based capital ratio | 17.9179% | 2,266 |
| Total risk-based capital ratio | 18.9785% | 2,311 |
| Memoranda: | ||
| Average total assets | $215,903,400 | 2,848 |
| Average earning assets | $197,657,800 | 2,856 |
| Average equity | $24,822,000 | 2,642 |
| Average total loans | $95,714,800 | 3,560 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8615% | 4,635 |
| Cost of funding earning assets | 0.2881% | 5,825 |
| Net interest margin | 3.5734% | 3,560 |
| Noninterest income to average assets | 0.6436% | 2,911 |
| Noninterest expense to average assets | 2.7085% | 3,989 |
| Loan and lease loss provision to assets | 0.0621% | 3,803 |
| Net operating income to assets | 0.9372% | 2,651 |
| Return on assets (ROA) | 0.9372% | 2,765 |
| Pretax return on assets | 1.1451% | 2,922 |
| Return on Equity (ROE) | 8.0756% | 3,083 |
| Retained earnings to average equity (ytd only) | 5.9257% | 2,462 |
| Net charge-offs to loans | 0.8726% | 669 |
| Credit loss provision to net charge-offs | 15.8730% | 4,132 |
| Earnings coverage of net charge-offs (x) | 3.0873% | 3,806 |
| Efficiency ratio | 69.1710% | 3,890 |
| Assets per employee ($millions) | 3.6716% | 4,501 |
| Cash dividends to net income (ytd only)* | 26.6227% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 3,026 |
| Loan loss allowance to noncurrent loans | 229.9237% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5068% | 4,929 |
| Noncurrent loans to loans | 0.6931% | 4,471 |
| Net loans and leases to total assets | 41.5201% | 5,933 |
| Net loans and leases to deposits | 47.0445% | 6,034 |
| Net loans and leases to core deposits | 54.8885% | 5,704 |
| Total domestic deposits to total assets | 88.2571% | 1,964 |
| Equity capital to assets | 10.9137% | 2,844 |
| Core capital (leverage) ratio | 11.0315% | 2,451 |
| Tier 1 risk-based capital ratio | 17.7280% | 2,430 |
| Total risk-based capital ratio | 18.8269% | 2,451 |
| Memoranda: | ||
| Average total assets | $214,824,250 | 2,888 |
| Average earning assets | $196,705,500 | 2,889 |
| Average equity | $24,930,500 | 2,656 |
| Average total loans | $96,260,750 | 3,569 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 4,357 |
| Cost of funding earning assets | 0.2974% | 5,849 |
| Net interest margin | 3.6319% | 3,236 |
| Noninterest income to average assets | 0.6091% | 3,139 |
| Noninterest expense to average assets | 2.7085% | 3,997 |
| Loan and lease loss provision to assets | 0.0708% | 3,614 |
| Net operating income to assets | 0.9416% | 2,608 |
| Return on assets (ROA) | 0.9416% | 2,750 |
| Pretax return on assets | 1.1512% | 2,880 |
| Return on Equity (ROE) | 7.9464% | 3,128 |
| Retained earnings to average equity (ytd only) | 6.3125% | 2,254 |
| Net charge-offs to loans | 0.9809% | 623 |
| Credit loss provision to net charge-offs | 15.7895% | 3,817 |
| Earnings coverage of net charge-offs (x) | 2.7242% | 3,609 |
| Efficiency ratio | 68.9092% | 4,026 |
| Assets per employee ($millions) | 3.5641% | 4,721 |
| Cash dividends to net income (ytd only)* | 20.5617% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7080% | 2,754 |
| Loan loss allowance to noncurrent loans | 186.9714% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.5395% | 4,914 |
| Noncurrent loans to loans | 0.9135% | 4,099 |
| Net loans and leases to total assets | 43.3053% | 5,800 |
| Net loans and leases to deposits | 49.1927% | 5,909 |
| Net loans and leases to core deposits | 56.4997% | 5,563 |
| Total domestic deposits to total assets | 88.0318% | 2,224 |
| Equity capital to assets | 11.1080% | 2,652 |
| Core capital (leverage) ratio | 11.2658% | 2,115 |
| Tier 1 risk-based capital ratio | 17.9595% | 2,325 |
| Total risk-based capital ratio | 19.1848% | 2,307 |
| Memoranda: | ||
| Average total assets | $211,777,000 | 2,941 |
| Average earning assets | $193,671,330 | 2,949 |
| Average equity | $25,093,000 | 2,660 |
| Average total loans | $96,848,670 | 3,566 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0014% | 4,115 |
| Cost of funding earning assets | 0.3078% | 5,912 |
| Net interest margin | 3.6936% | 2,877 |
| Noninterest income to average assets | 0.6853% | 2,673 |
| Noninterest expense to average assets | 2.7718% | 3,795 |
| Loan and lease loss provision to assets | 0.1436% | 2,447 |
| Net operating income to assets | 0.9380% | 2,480 |
| Return on assets (ROA) | 0.9380% | 2,623 |
| Pretax return on assets | 1.1466% | 2,779 |
| Return on Equity (ROE) | 7.6669% | 3,130 |
| Retained earnings to average equity (ytd only) | 7.6669% | 1,870 |
| Net charge-offs to loans | -0.0493% | 6,134 |
| Credit loss provision to net charge-offs | -625.0000% | 5,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2375% | 4,265 |
| Assets per employee ($millions) | 3.4378% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2031% | 1,579 |
| Loan loss allowance to noncurrent loans | 286.5047% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.5117% | 5,103 |
| Noncurrent loans to loans | 0.7690% | 4,587 |
| Net loans and leases to total assets | 44.9398% | 5,558 |
| Net loans and leases to deposits | 51.5759% | 5,661 |
| Net loans and leases to core deposits | 56.9397% | 5,439 |
| Total domestic deposits to total assets | 87.1335% | 2,878 |
| Equity capital to assets | 12.2681% | 1,855 |
| Core capital (leverage) ratio | 11.3574% | 1,970 |
| Tier 1 risk-based capital ratio | 17.0582% | 2,717 |
| Total risk-based capital ratio | 18.3118% | 2,694 |
| Memoranda: | ||
| Average total assets | $208,960,500 | 2,989 |
| Average earning assets | $191,034,000 | 3,000 |
| Average equity | $25,564,500 | 2,655 |
| Average total loans | $97,380,000 | 3,577 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3877% | 3,862 |
| Cost of funding earning assets | 0.3869% | 6,004 |
| Net interest margin | 4.0008% | 2,383 |
| Noninterest income to average assets | 0.6983% | 2,735 |
| Noninterest expense to average assets | 2.9597% | 3,429 |
| Loan and lease loss provision to assets | 0.0973% | 4,429 |
| Net operating income to assets | 0.9853% | 2,405 |
| Return on assets (ROA) | 0.9853% | 2,628 |
| Pretax return on assets | 1.2824% | 2,481 |
| Return on Equity (ROE) | 8.0965% | 3,044 |
| Retained earnings to average equity (ytd only) | 5.0113% | 2,694 |
| Net charge-offs to loans | 0.3896% | 2,693 |
| Credit loss provision to net charge-offs | 50.8906% | 4,679 |
| Earnings coverage of net charge-offs (x) | 7.2188% | 2,655 |
| Efficiency ratio | 68.2058% | 4,109 |
| Assets per employee ($millions) | 3.4133% | 5,184 |
| Cash dividends to net income (ytd only)* | 38.1046% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0692% | 1,835 |
| Loan loss allowance to noncurrent loans | 1,018.0000% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 5,892 |
| Noncurrent loans to loans | 0.2033% | 5,964 |
| Net loans and leases to total assets | 46.2788% | 5,583 |
| Net loans and leases to deposits | 54.2486% | 5,628 |
| Net loans and leases to core deposits | 58.2184% | 5,523 |
| Total domestic deposits to total assets | 85.3089% | 3,705 |
| Equity capital to assets | 12.1999% | 1,914 |
| Core capital (leverage) ratio | 11.2973% | 2,014 |
| Tier 1 risk-based capital ratio | 16.5191% | 2,876 |
| Total risk-based capital ratio | 17.7715% | 2,854 |
| Memoranda: | ||
| Average total assets | $205,632,200 | 2,978 |
| Average earning assets | $187,135,400 | 3,002 |
| Average equity | $25,023,200 | 2,654 |
| Average total loans | $100,872,800 | 3,496 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4611% | 3,774 |
| Cost of funding earning assets | 0.4136% | 6,038 |
| Net interest margin | 4.0475% | 2,302 |
| Noninterest income to average assets | 0.6895% | 2,759 |
| Noninterest expense to average assets | 2.9458% | 3,428 |
| Loan and lease loss provision to assets | 0.1301% | 3,926 |
| Net operating income to assets | 0.9770% | 2,626 |
| Return on assets (ROA) | 0.9770% | 2,849 |
| Pretax return on assets | 1.2931% | 2,631 |
| Return on Equity (ROE) | 8.0335% | 3,275 |
| Retained earnings to average equity (ytd only) | 5.6213% | 2,942 |
| Net charge-offs to loans | 0.8132% | 1,344 |
| Credit loss provision to net charge-offs | 32.3102% | 4,764 |
| Earnings coverage of net charge-offs (x) | 3.5347% | 3,606 |
| Efficiency ratio | 67.4259% | 4,190 |
| Assets per employee ($millions) | 3.3529% | 5,317 |
| Cash dividends to net income (ytd only)* | 30.0267% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8887% | 2,514 |
| Loan loss allowance to noncurrent loans | 240.3718% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.7583% | 4,805 |
| Noncurrent loans to loans | 0.7857% | 4,837 |
| Net loans and leases to total assets | 45.9705% | 5,766 |
| Net loans and leases to deposits | 53.4364% | 5,854 |
| Net loans and leases to core deposits | 57.7636% | 5,749 |
| Total domestic deposits to total assets | 86.0284% | 3,242 |
| Equity capital to assets | 12.5395% | 1,868 |
| Core capital (leverage) ratio | 11.3144% | 2,125 |
| Tier 1 risk-based capital ratio | 17.0978% | 2,692 |
| Total risk-based capital ratio | 18.2649% | 2,683 |
| Memoranda: | ||
| Average total assets | $204,986,750 | 3,019 |
| Average earning assets | $186,347,500 | 3,033 |
| Average equity | $24,928,500 | 2,695 |
| Average total loans | $101,492,250 | 3,524 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4975% | 3,776 |
| Cost of funding earning assets | 0.4400% | 6,032 |
| Net interest margin | 4.0575% | 2,255 |
| Noninterest income to average assets | 0.6405% | 3,002 |
| Noninterest expense to average assets | 2.9365% | 3,489 |
| Loan and lease loss provision to assets | 0.1950% | 3,135 |
| Net operating income to assets | 0.9106% | 2,856 |
| Return on assets (ROA) | 0.9106% | 3,119 |
| Pretax return on assets | 1.1953% | 2,945 |
| Return on Equity (ROE) | 7.5661% | 3,468 |
| Retained earnings to average equity (ytd only) | 5.1683% | 3,175 |
| Net charge-offs to loans | 0.8783% | 1,253 |
| Credit loss provision to net charge-offs | 44.0529% | 4,170 |
| Earnings coverage of net charge-offs (x) | 3.1410% | 3,486 |
| Efficiency ratio | 67.8684% | 4,150 |
| Assets per employee ($millions) | 3.4175% | 5,173 |
| Cash dividends to net income (ytd only)* | 31.6916% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9658% | 2,323 |
| Loan loss allowance to noncurrent loans | 143.8456% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.8524% | 4,680 |
| Noncurrent loans to loans | 1.3666% | 3,870 |
| Net loans and leases to total assets | 47.2458% | 5,686 |
| Net loans and leases to deposits | 54.3725% | 5,831 |
| Net loans and leases to core deposits | 57.2106% | 5,848 |
| Total domestic deposits to total assets | 86.8929% | 2,835 |
| Equity capital to assets | 12.0005% | 2,150 |
| Core capital (leverage) ratio | 10.8837% | 2,404 |
| Tier 1 risk-based capital ratio | 16.5860% | 2,865 |
| Total risk-based capital ratio | 17.8014% | 2,849 |
| Memoranda: | ||
| Average total assets | $205,139,330 | 3,029 |
| Average earning assets | $186,371,330 | 3,036 |
| Average equity | $24,689,000 | 2,697 |
| Average total loans | $103,378,670 | 3,488 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6220% | 3,399 |
| Cost of funding earning assets | 0.4620% | 6,068 |
| Net interest margin | 4.1600% | 1,895 |
| Noninterest income to average assets | 0.5740% | 3,391 |
| Noninterest expense to average assets | 2.8957% | 3,641 |
| Loan and lease loss provision to assets | 0.2949% | 2,117 |
| Net operating income to assets | 0.8846% | 2,995 |
| Return on assets (ROA) | 0.8846% | 3,213 |
| Pretax return on assets | 1.1539% | 3,094 |
| Return on Equity (ROE) | 7.3394% | 3,586 |
| Retained earnings to average equity (ytd only) | 5.0724% | 3,513 |
| Net charge-offs to loans | 0.9043% | 1,134 |
| Credit loss provision to net charge-offs | 63.2911% | 3,053 |
| Earnings coverage of net charge-offs (x) | 3.1097% | 2,959 |
| Efficiency ratio | 66.6516% | 4,438 |
| Assets per employee ($millions) | 3.3519% | 5,449 |
| Cash dividends to net income (ytd only)* | 30.8889% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0401% | 2,237 |
| Loan loss allowance to noncurrent loans | 201.1268% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.7742% | 4,993 |
| Noncurrent loans to loans | 1.0143% | 4,651 |
| Net loans and leases to total assets | 49.4921% | 5,372 |
| Net loans and leases to deposits | 56.6571% | 5,529 |
| Net loans and leases to core deposits | 60.0826% | 5,521 |
| Total domestic deposits to total assets | 87.3538% | 2,744 |
| Equity capital to assets | 11.8888% | 2,121 |
| Core capital (leverage) ratio | 10.8505% | 2,387 |
| Tier 1 risk-based capital ratio | 16.3995% | 2,963 |
| Total risk-based capital ratio | 17.5673% | 2,967 |
| Memoranda: | ||
| Average total assets | $203,475,500 | 3,065 |
| Average earning assets | $184,423,000 | 3,089 |
| Average equity | $24,525,000 | 2,707 |
| Average total loans | $104,834,500 | 3,484 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9696% | 3,026 |
| Cost of funding earning assets | 0.6402% | 5,871 |
| Net interest margin | 4.3294% | 1,607 |
| Noninterest income to average assets | 0.5945% | 3,193 |
| Noninterest expense to average assets | 3.2076% | 2,837 |
| Loan and lease loss provision to assets | 0.5409% | 1,940 |
| Net operating income to assets | 0.6218% | 3,877 |
| Return on assets (ROA) | 0.6412% | 3,972 |
| Pretax return on assets | 0.7632% | 4,107 |
| Return on Equity (ROE) | 5.6170% | 4,075 |
| Retained earnings to average equity (ytd only) | 5.0183% | 2,629 |
| Net charge-offs to loans | 1.1964% | 1,406 |
| Credit loss provision to net charge-offs | 83.6502% | 4,293 |
| Earnings coverage of net charge-offs (x) | 1.9810% | 4,297 |
| Efficiency ratio | 71.4614% | 3,700 |
| Assets per employee ($millions) | 3.2118% | 5,682 |
| Cash dividends to net income (ytd only)* | 10.6595% | 3,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1295% | 1,933 |
| Loan loss allowance to noncurrent loans | 211.6809% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.7317% | 5,180 |
| Noncurrent loans to loans | 1.0060% | 4,694 |
| Net loans and leases to total assets | 51.4453% | 5,397 |
| Net loans and leases to deposits | 59.4139% | 5,557 |
| Net loans and leases to core deposits | 61.9853% | 5,651 |
| Total domestic deposits to total assets | 86.5879% | 2,983 |
| Equity capital to assets | 12.2244% | 1,955 |
| Core capital (leverage) ratio | 10.7518% | 2,474 |
| Tier 1 risk-based capital ratio | 17.4237% | 2,407 |
| Total risk-based capital ratio | 18.3357% | 2,518 |
| Memoranda: | ||
| Average total assets | $203,359,000 | 3,017 |
| Average earning assets | $182,913,400 | 3,053 |
| Average equity | $23,215,200 | 2,756 |
| Average total loans | $109,916,200 | 3,389 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9908% | 3,134 |
| Cost of funding earning assets | 0.6808% | 5,873 |
| Net interest margin | 4.3100% | 1,678 |
| Noninterest income to average assets | 0.5785% | 3,312 |
| Noninterest expense to average assets | 3.1934% | 2,845 |
| Loan and lease loss provision to assets | 0.6849% | 1,411 |
| Net operating income to assets | 0.5115% | 4,499 |
| Return on assets (ROA) | 0.5388% | 4,558 |
| Pretax return on assets | 0.6040% | 4,796 |
| Return on Equity (ROE) | 4.8022% | 4,611 |
| Retained earnings to average equity (ytd only) | 4.8022% | 3,312 |
| Net charge-offs to loans | 1.0033% | 1,605 |
| Credit loss provision to net charge-offs | 125.4480% | 2,558 |
| Earnings coverage of net charge-offs (x) | 2.3047% | 3,977 |
| Efficiency ratio | 71.7363% | 3,606 |
| Assets per employee ($millions) | 3.3027% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5354% | 1,344 |
| Loan loss allowance to noncurrent loans | 212.7302% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.9386% | 4,875 |
| Noncurrent loans to loans | 1.1919% | 4,553 |
| Net loans and leases to total assets | 49.0885% | 5,826 |
| Net loans and leases to deposits | 55.9728% | 6,036 |
| Net loans and leases to core deposits | 58.5462% | 6,085 |
| Total domestic deposits to total assets | 87.7007% | 2,235 |
| Equity capital to assets | 11.5678% | 2,624 |
| Core capital (leverage) ratio | 10.4636% | 2,907 |
| Tier 1 risk-based capital ratio | 17.2400% | 2,552 |
| Total risk-based capital ratio | 18.4959% | 2,508 |
| Memoranda: | ||
| Average total assets | $204,415,250 | 3,028 |
| Average earning assets | $183,693,500 | 3,057 |
| Average equity | $22,933,250 | 2,786 |
| Average total loans | $111,226,750 | 3,387 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0544% | 2,903 |
| Cost of funding earning assets | 0.7196% | 5,833 |
| Net interest margin | 4.3349% | 1,552 |
| Noninterest income to average assets | 0.6742% | 2,686 |
| Noninterest expense to average assets | 3.2835% | 2,622 |
| Loan and lease loss provision to assets | 0.9341% | 947 |
| Net operating income to assets | 0.3740% | 5,059 |
| Return on assets (ROA) | 0.3740% | 5,206 |
| Pretax return on assets | 0.3465% | 5,560 |
| Return on Equity (ROE) | 3.3696% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.3696% | 4,117 |
| Net charge-offs to loans | 1.1132% | 1,415 |
| Credit loss provision to net charge-offs | 150.3962% | 2,031 |
| Earnings coverage of net charge-offs (x) | 2.0618% | 3,825 |
| Efficiency ratio | 71.9431% | 3,744 |
| Assets per employee ($millions) | 3.2484% | 5,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5063% | 1,440 |
| Loan loss allowance to noncurrent loans | 209.7191% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.9416% | 4,984 |
| Noncurrent loans to loans | 1.1951% | 4,657 |
| Net loans and leases to total assets | 52.4999% | 5,502 |
| Net loans and leases to deposits | 59.5215% | 5,777 |
| Net loans and leases to core deposits | 63.7916% | 5,746 |
| Total domestic deposits to total assets | 88.2033% | 2,011 |
| Equity capital to assets | 11.2890% | 2,691 |
| Core capital (leverage) ratio | 10.2972% | 2,939 |
| Tier 1 risk-based capital ratio | 16.2549% | 2,855 |
| Total risk-based capital ratio | 17.5155% | 2,817 |
| Memoranda: | ||
| Average total assets | $203,197,330 | 3,062 |
| Average earning assets | $182,335,670 | 3,096 |
| Average equity | $22,554,670 | 2,804 |
| Average total loans | $113,370,670 | 3,374 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0238% | 2,990 |
| Cost of funding earning assets | 0.7653% | 5,775 |
| Net interest margin | 4.2585% | 1,705 |
| Noninterest income to average assets | 0.6974% | 2,594 |
| Noninterest expense to average assets | 3.3763% | 2,343 |
| Loan and lease loss provision to assets | 1.1854% | 595 |
| Net operating income to assets | 0.1146% | 6,057 |
| Return on assets (ROA) | 0.1146% | 6,110 |
| Pretax return on assets | -0.0494% | 6,403 |
| Return on Equity (ROE) | 1.0413% | 6,118 |
| Retained earnings to average equity (ytd only) | 1.0413% | 5,409 |
| Net charge-offs to loans | 0.8630% | 1,529 |
| Credit loss provision to net charge-offs | 241.9355% | 1,287 |
| Earnings coverage of net charge-offs (x) | 2.3185% | 3,150 |
| Efficiency ratio | 74.8249% | 3,359 |
| Assets per employee ($millions) | 3.0027% | 6,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4516% | 1,529 |
| Loan loss allowance to noncurrent loans | 218.9507% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.9815% | 4,943 |
| Noncurrent loans to loans | 1.1197% | 4,834 |
| Net loans and leases to total assets | 54.4874% | 5,230 |
| Net loans and leases to deposits | 61.3871% | 5,582 |
| Net loans and leases to core deposits | 66.2666% | 5,483 |
| Total domestic deposits to total assets | 88.7605% | 1,922 |
| Equity capital to assets | 10.9643% | 2,722 |
| Core capital (leverage) ratio | 10.2951% | 2,808 |
| Tier 1 risk-based capital ratio | 14.1619% | 3,963 |
| Total risk-based capital ratio | 15.4198% | 3,928 |
| Memoranda: | ||
| Average total assets | $202,471,000 | 3,084 |
| Average earning assets | $181,377,500 | 3,124 |
| Average equity | $22,280,500 | 2,836 |
| Average total loans | $114,954,500 | 3,367 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1763% | 3,721 |
| Cost of funding earning assets | 1.0289% | 5,540 |
| Net interest margin | 4.1474% | 2,377 |
| Noninterest income to average assets | 0.7857% | 2,351 |
| Noninterest expense to average assets | 2.9993% | 3,852 |
| Loan and lease loss provision to assets | 1.1348% | 1,407 |
| Net operating income to assets | 0.3488% | 4,744 |
| Return on assets (ROA) | 0.3388% | 4,951 |
| Pretax return on assets | 0.3646% | 5,043 |
| Return on Equity (ROE) | 3.1461% | 4,898 |
| Retained earnings to average equity (ytd only) | -0.9643% | 5,800 |
| Net charge-offs to loans | 2.9138% | 581 |
| Credit loss provision to net charge-offs | 68.1241% | 5,911 |
| Earnings coverage of net charge-offs (x) | 0.9066% | 5,209 |
| Efficiency ratio | 66.5104% | 4,866 |
| Assets per employee ($millions) | 2.7883% | 6,533 |
| Cash dividends to net income (ytd only)* | 130.6519% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1094% | 2,051 |
| Loan loss allowance to noncurrent loans | 161.0013% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 1.0485% | 4,908 |
| Noncurrent loans to loans | 1.3102% | 4,526 |
| Net loans and leases to total assets | 56.4930% | 5,260 |
| Net loans and leases to deposits | 63.7305% | 5,656 |
| Net loans and leases to core deposits | 66.7428% | 5,805 |
| Total domestic deposits to total assets | 88.6437% | 1,864 |
| Equity capital to assets | 11.0450% | 2,647 |
| Core capital (leverage) ratio | 9.9821% | 3,115 |
| Tier 1 risk-based capital ratio | 15.6215% | 2,940 |
| Total risk-based capital ratio | 16.8784% | 2,896 |
| Memoranda: | ||
| Average total assets | $212,814,000 | 2,951 |
| Average earning assets | $191,082,600 | 2,984 |
| Average equity | $22,917,400 | 2,775 |
| Average total loans | $121,661,000 | 3,282 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1393% | 4,126 |
| Cost of funding earning assets | 1.0615% | 5,642 |
| Net interest margin | 4.0777% | 2,724 |
| Noninterest income to average assets | 0.7728% | 2,370 |
| Noninterest expense to average assets | 2.9368% | 3,954 |
| Loan and lease loss provision to assets | 0.9977% | 1,491 |
| Net operating income to assets | 0.4494% | 4,540 |
| Return on assets (ROA) | 0.4368% | 4,776 |
| Pretax return on assets | 0.4880% | 4,966 |
| Return on Equity (ROE) | 4.0801% | 4,736 |
| Retained earnings to average equity (ytd only) | 1.4947% | 5,201 |
| Net charge-offs to loans | 2.4173% | 713 |
| Credit loss provision to net charge-offs | 72.3566% | 5,357 |
| Earnings coverage of net charge-offs (x) | 1.0878% | 4,966 |
| Efficiency ratio | 66.1933% | 4,821 |
| Assets per employee ($millions) | 2.8074% | 6,571 |
| Cash dividends to net income (ytd only)* | 63.3667% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4727% | 1,369 |
| Loan loss allowance to noncurrent loans | 171.5197% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 1.0527% | 5,006 |
| Noncurrent loans to loans | 1.4416% | 4,455 |
| Net loans and leases to total assets | 56.1407% | 5,529 |
| Net loans and leases to deposits | 63.9440% | 5,923 |
| Net loans and leases to core deposits | 67.9365% | 5,950 |
| Total domestic deposits to total assets | 87.7966% | 2,093 |
| Equity capital to assets | 11.3456% | 2,668 |
| Core capital (leverage) ratio | 10.2779% | 2,943 |
| Tier 1 risk-based capital ratio | 15.8434% | 2,844 |
| Total risk-based capital ratio | 17.0908% | 2,793 |
| Memoranda: | ||
| Average total assets | $215,827,250 | 2,969 |
| Average earning assets | $193,927,250 | 2,991 |
| Average equity | $23,103,250 | 2,789 |
| Average total loans | $123,111,250 | 3,306 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1240% | 4,326 |
| Cost of funding earning assets | 1.1053% | 5,644 |
| Net interest margin | 4.0187% | 2,927 |
| Noninterest income to average assets | 0.7148% | 2,621 |
| Noninterest expense to average assets | 2.8775% | 4,158 |
| Loan and lease loss provision to assets | 0.8466% | 1,719 |
| Net operating income to assets | 0.5094% | 4,279 |
| Return on assets (ROA) | 0.4915% | 4,528 |
| Pretax return on assets | 0.5803% | 4,625 |
| Return on Equity (ROE) | 4.6802% | 4,451 |
| Retained earnings to average equity (ytd only) | 1.9523% | 4,890 |
| Net charge-offs to loans | 3.0028% | 526 |
| Credit loss provision to net charge-offs | 49.5713% | 5,427 |
| Earnings coverage of net charge-offs (x) | 0.8478% | 4,924 |
| Efficiency ratio | 66.5256% | 4,877 |
| Assets per employee ($millions) | 2.9744% | 6,189 |
| Cash dividends to net income (ytd only)* | 58.2868% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1760% | 1,809 |
| Loan loss allowance to noncurrent loans | 150.5432% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 1.0127% | 5,118 |
| Noncurrent loans to loans | 1.4454% | 4,543 |
| Net loans and leases to total assets | 53.7789% | 6,016 |
| Net loans and leases to deposits | 60.6803% | 6,343 |
| Net loans and leases to core deposits | 70.0935% | 5,862 |
| Total domestic deposits to total assets | 88.6267% | 1,656 |
| Equity capital to assets | 10.6273% | 3,247 |
| Core capital (leverage) ratio | 9.6395% | 3,624 |
| Tier 1 risk-based capital ratio | 15.5068% | 2,888 |
| Total risk-based capital ratio | 16.7649% | 2,856 |
| Memoranda: | ||
| Average total assets | $218,521,000 | 2,956 |
| Average earning assets | $196,331,670 | 2,997 |
| Average equity | $22,947,670 | 2,800 |
| Average total loans | $124,286,000 | 3,312 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1681% | 4,208 |
| Cost of funding earning assets | 1.1360% | 5,728 |
| Net interest margin | 4.0321% | 2,731 |
| Noninterest income to average assets | 0.6393% | 3,002 |
| Noninterest expense to average assets | 2.9670% | 3,794 |
| Loan and lease loss provision to assets | 0.3215% | 3,487 |
| Net operating income to assets | 0.7404% | 3,260 |
| Return on assets (ROA) | 0.7404% | 3,360 |
| Pretax return on assets | 0.9700% | 3,203 |
| Return on Equity (ROE) | 7.0932% | 3,295 |
| Retained earnings to average equity (ytd only) | 7.0932% | 2,096 |
| Net charge-offs to loans | 3.5481% | 394 |
| Credit loss provision to net charge-offs | 15.6670% | 4,987 |
| Earnings coverage of net charge-offs (x) | 0.6294% | 4,464 |
| Efficiency ratio | 69.6721% | 4,373 |
| Assets per employee ($millions) | 2.9191% | 6,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1272% | 1,894 |
| Loan loss allowance to noncurrent loans | 78.6376% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.7270% | 3,885 |
| Noncurrent loans to loans | 2.7051% | 2,960 |
| Net loans and leases to total assets | 55.3114% | 5,844 |
| Net loans and leases to deposits | 62.1604% | 6,259 |
| Net loans and leases to core deposits | 71.6091% | 5,753 |
| Total domestic deposits to total assets | 88.9817% | 1,529 |
| Equity capital to assets | 10.4922% | 3,250 |
| Core capital (leverage) ratio | 9.8184% | 3,378 |
| Tier 1 risk-based capital ratio | 14.7242% | 3,243 |
| Total risk-based capital ratio | 15.9810% | 3,203 |
| Memoranda: | ||
| Average total assets | $217,730,000 | 3,018 |
| Average earning assets | $195,431,000 | 3,054 |
| Average equity | $22,726,000 | 2,846 |
| Average total loans | $125,928,000 | 3,349 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4958% | 4,165 |
| Cost of funding earning assets | 1.5224% | 5,422 |
| Net interest margin | 3.9733% | 2,976 |
| Noninterest income to average assets | 0.7490% | 2,682 |
| Noninterest expense to average assets | 2.9388% | 4,388 |
| Loan and lease loss provision to assets | 1.3806% | 1,660 |
| Net operating income to assets | 0.1251% | 5,129 |
| Return on assets (ROA) | 0.1270% | 5,181 |
| Pretax return on assets | 0.0119% | 5,410 |
| Return on Equity (ROE) | 1.2189% | 5,162 |
| Retained earnings to average equity (ytd only) | -4.3888% | 5,927 |
| Net charge-offs to loans | 0.8331% | 2,745 |
| Credit loss provision to net charge-offs | 274.8182% | 1,249 |
| Earnings coverage of net charge-offs (x) | 2.7682% | 3,708 |
| Efficiency ratio | 67.8797% | 5,024 |
| Assets per employee ($millions) | 2.8870% | 6,478 |
| Cash dividends to net income (ytd only)* | 460.0719% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7894% | 941 |
| Loan loss allowance to noncurrent loans | 346.9903% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 5,846 |
| Noncurrent loans to loans | 0.8039% | 5,671 |
| Net loans and leases to total assets | 57.5241% | 5,738 |
| Net loans and leases to deposits | 64.5572% | 6,202 |
| Net loans and leases to core deposits | 91.0210% | 5,009 |
| Total domestic deposits to total assets | 89.1056% | 1,433 |
| Equity capital to assets | 10.3826% | 3,310 |
| Core capital (leverage) ratio | 9.7449% | 3,392 |
| Tier 1 risk-based capital ratio | 13.8688% | 3,587 |
| Total risk-based capital ratio | 15.1295% | 3,528 |
| Memoranda: | ||
| Average total assets | $218,967,800 | 2,960 |
| Average earning assets | $197,316,000 | 3,009 |
| Average equity | $22,807,800 | 2,851 |
| Average total loans | $132,041,000 | 3,228 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5396% | 4,214 |
| Cost of funding earning assets | 1.6029% | 5,388 |
| Net interest margin | 3.9367% | 3,091 |
| Noninterest income to average assets | 0.6837% | 3,130 |
| Noninterest expense to average assets | 2.9304% | 4,315 |
| Loan and lease loss provision to assets | 1.5496% | 1,228 |
| Net operating income to assets | -0.0337% | 5,769 |
| Return on assets (ROA) | -0.0322% | 5,826 |
| Pretax return on assets | -0.2417% | 6,036 |
| Return on Equity (ROE) | -0.3087% | 5,827 |
| Retained earnings to average equity (ytd only) | -7.7588% | 6,571 |
| Net charge-offs to loans | 0.7277% | 2,540 |
| Credit loss provision to net charge-offs | 351.5152% | 1,168 |
| Earnings coverage of net charge-offs (x) | 2.9614% | 3,748 |
| Efficiency ratio | 69.1800% | 4,750 |
| Assets per employee ($millions) | 2.9263% | 6,340 |
| Cash dividends to net income (ytd only)* | -2,413.3739% | 8,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7305% | 855 |
| Loan loss allowance to noncurrent loans | 583.3893% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.6109% | 5,921 |
| Noncurrent loans to loans | 0.4680% | 6,384 |
| Net loans and leases to total assets | 57.1989% | 6,008 |
| Net loans and leases to deposits | 64.7406% | 6,423 |
| Net loans and leases to core deposits | 92.1339% | 5,221 |
| Total domestic deposits to total assets | 88.3509% | 1,494 |
| Equity capital to assets | 10.4055% | 3,607 |
| Core capital (leverage) ratio | 9.6794% | 3,676 |
| Tier 1 risk-based capital ratio | 13.8307% | 3,645 |
| Total risk-based capital ratio | 15.0940% | 3,587 |
| Memoranda: | ||
| Average total assets | $219,578,500 | 2,963 |
| Average earning assets | $198,133,000 | 3,008 |
| Average equity | $22,889,500 | 2,867 |
| Average total loans | $133,019,250 | 3,239 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5701% | 4,218 |
| Cost of funding earning assets | 1.6852% | 5,347 |
| Net interest margin | 3.8849% | 3,183 |
| Noninterest income to average assets | 0.5658% | 3,924 |
| Noninterest expense to average assets | 2.9575% | 4,261 |
| Loan and lease loss provision to assets | 2.0590% | 782 |
| Net operating income to assets | -0.4760% | 6,527 |
| Return on assets (ROA) | -0.4760% | 6,536 |
| Pretax return on assets | -0.9457% | 6,777 |
| Return on Equity (ROE) | -4.5636% | 6,559 |
| Retained earnings to average equity (ytd only) | -6.9888% | 6,555 |
| Net charge-offs to loans | 0.3810% | 3,296 |
| Credit loss provision to net charge-offs | 883.6576% | 544 |
| Earnings coverage of net charge-offs (x) | 4.7782% | 3,004 |
| Efficiency ratio | 72.6503% | 4,270 |
| Assets per employee ($millions) | 2.8059% | 6,613 |
| Cash dividends to net income (ytd only)* | -53.1429% | 8,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8008% | 680 |
| Loan loss allowance to noncurrent loans | 1,023.7430% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.6485% | 5,793 |
| Noncurrent loans to loans | 0.2736% | 6,840 |
| Net loans and leases to total assets | 59.6444% | 5,742 |
| Net loans and leases to deposits | 68.0426% | 6,183 |
| Net loans and leases to core deposits | 97.0227% | 4,783 |
| Total domestic deposits to total assets | 87.6575% | 1,946 |
| Equity capital to assets | 10.5075% | 3,395 |
| Core capital (leverage) ratio | 9.6812% | 3,654 |
| Tier 1 risk-based capital ratio | 14.0326% | 3,501 |
| Total risk-based capital ratio | 15.2970% | 3,434 |
| Memoranda: | ||
| Average total assets | $220,588,670 | 2,966 |
| Average earning assets | $199,026,330 | 3,016 |
| Average equity | $23,008,330 | 2,862 |
| Average total loans | $134,912,330 | 3,248 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5284% | 4,763 |
| Cost of funding earning assets | 1.8132% | 5,056 |
| Net interest margin | 3.7153% | 3,828 |
| Noninterest income to average assets | 0.7188% | 2,769 |
| Noninterest expense to average assets | 2.8324% | 4,415 |
| Loan and lease loss provision to assets | 0.3906% | 2,985 |
| Net operating income to assets | 0.6403% | 3,837 |
| Return on assets (ROA) | 0.6403% | 4,021 |
| Pretax return on assets | 0.8472% | 3,902 |
| Return on Equity (ROE) | 6.1607% | 3,977 |
| Retained earnings to average equity (ytd only) | 3.7582% | 3,811 |
| Net charge-offs to loans | 0.4206% | 2,421 |
| Credit loss provision to net charge-offs | 152.0833% | 2,743 |
| Earnings coverage of net charge-offs (x) | 4.8194% | 2,808 |
| Efficiency ratio | 69.5881% | 4,658 |
| Assets per employee ($millions) | 2.7896% | 6,674 |
| Cash dividends to net income (ytd only)* | 38.9972% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 4,170 |
| Loan loss allowance to noncurrent loans | 222.1364% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 1.2332% | 4,219 |
| Noncurrent loans to loans | 0.5780% | 5,956 |
| Net loans and leases to total assets | 59.4633% | 5,744 |
| Net loans and leases to deposits | 67.1149% | 6,260 |
| Net loans and leases to core deposits | 100.2084% | 4,519 |
| Total domestic deposits to total assets | 88.5992% | 1,426 |
| Equity capital to assets | 10.5589% | 3,402 |
| Core capital (leverage) ratio | 9.8560% | 3,578 |
| Tier 1 risk-based capital ratio | 13.8727% | 3,654 |
| Total risk-based capital ratio | 14.9507% | 3,665 |
| Memoranda: | ||
| Average total assets | $224,259,500 | 2,942 |
| Average earning assets | $202,299,500 | 2,989 |
| Average equity | $23,309,000 | 2,842 |
| Average total loans | $136,941,000 | 3,229 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2142% | 4,439 |
| Cost of funding earning assets | 2.6448% | 3,463 |
| Net interest margin | 3.5694% | 5,017 |
| Noninterest income to average assets | 0.6993% | 3,127 |
| Noninterest expense to average assets | 2.7108% | 5,223 |
| Loan and lease loss provision to assets | 0.3946% | 3,328 |
| Net operating income to assets | 0.5885% | 4,357 |
| Return on assets (ROA) | 0.5928% | 4,199 |
| Pretax return on assets | 0.7918% | 4,105 |
| Return on Equity (ROE) | 6.1615% | 3,880 |
| Retained earnings to average equity (ytd only) | -0.5059% | 5,438 |
| Net charge-offs to loans | 0.6243% | 1,969 |
| Credit loss provision to net charge-offs | 104.7730% | 5,105 |
| Earnings coverage of net charge-offs (x) | 3.1350% | 4,519 |
| Efficiency ratio | 69.6598% | 4,419 |
| Assets per employee ($millions) | 2.5902% | 7,026 |
| Cash dividends to net income (ytd only)* | 108.2101% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 4,673 |
| Loan loss allowance to noncurrent loans | 868.9474% | 540 |
| Noncurrent assets plus other real estate owned to assets | 1.2106% | 3,823 |
| Noncurrent loans to loans | 0.1362% | 7,004 |
| Net loans and leases to total assets | 61.1499% | 5,745 |
| Net loans and leases to deposits | 69.4280% | 6,333 |
| Net loans and leases to core deposits | 104.9752% | 4,297 |
| Total domestic deposits to total assets | 88.0768% | 1,439 |
| Equity capital to assets | 10.2303% | 3,768 |
| Core capital (leverage) ratio | 9.5547% | 3,936 |
| Tier 1 risk-based capital ratio | 13.4667% | 3,842 |
| Total risk-based capital ratio | 14.4777% | 3,891 |
| Memoranda: | ||
| Average total assets | $228,089,000 | 2,792 |
| Average earning assets | $203,985,800 | 2,857 |
| Average equity | $21,942,600 | 2,980 |
| Average total loans | $137,587,600 | 3,134 |