Home > Pioneer Bank, SSB > Performance and Condition Ratios
Pioneer Bank, SSB, Performance and Condition Ratios
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9753% | 3,326 |
| Cost of funding earning assets | 0.4650% | 597 |
| Net interest margin | 2.5103% | 3,886 |
| Noninterest income to average assets | 0.3534% | 2,976 |
| Noninterest expense to average assets | 2.1944% | 2,853 |
| Loan and lease loss provision to assets | -0.2191% | 4,703 |
| Net operating income to assets | 0.5637% | 3,511 |
| Return on assets (ROA) | 0.5633% | 3,488 |
| Pretax return on assets | 0.7118% | 3,358 |
| Return on Equity (ROE) | 5.0418% | 3,610 |
| Retained earnings to average equity (ytd only) | 5.0418% | 2,580 |
| Net charge-offs to loans | 0.0150% | 1,242 |
| Credit loss provision to net charge-offs | -2,656.2500% | 3,435 |
| Earnings coverage of net charge-offs (x) | 59.7813% | 855 |
| Efficiency ratio | 81.6499% | 1,015 |
| Assets per employee ($millions) | 8.8621% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8396% | 4,175 |
| Loan loss allowance to noncurrent loans | 142.8247% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 1,849 |
| Noncurrent loans to loans | 0.5879% | 1,580 |
| Net loans and leases to total assets | 53.5943% | 2,811 |
| Net loans and leases to deposits | 68.7255% | 2,078 |
| Net loans and leases to core deposits | 73.5522% | 1,971 |
| Total domestic deposits to total assets | 77.9831% | 4,406 |
| Equity capital to assets | 11.2141% | 1,228 |
| Core capital (leverage) ratio | 11.0396% | 1,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7722% | 1,088 |
| Memoranda: | ||
| Average total assets | $1,551,607,000 | 681 |
| Average earning assets | $1,442,697,500 | 680 |
| Average equity | $173,351,500 | 625 |
| Average total loans | $853,278,000 | 758 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4500% | 2,800 |
| Cost of funding earning assets | 0.5896% | 574 |
| Net interest margin | 2.8604% | 3,534 |
| Noninterest income to average assets | 0.2825% | 3,703 |
| Noninterest expense to average assets | 2.1465% | 3,244 |
| Loan and lease loss provision to assets | -0.1590% | 4,639 |
| Net operating income to assets | 0.7614% | 3,453 |
| Return on assets (ROA) | 0.7634% | 3,505 |
| Pretax return on assets | 0.9651% | 3,345 |
| Return on Equity (ROE) | 7.5168% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.5168% | 1,715 |
| Net charge-offs to loans | -0.0147% | 3,867 |
| Credit loss provision to net charge-offs | 1,754.9669% | 340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6059% | 1,444 |
| Assets per employee ($millions) | 8.9735% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8835% | 4,103 |
| Loan loss allowance to noncurrent loans | 160.0780% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 1,981 |
| Noncurrent loans to loans | 0.5519% | 1,742 |
| Net loans and leases to total assets | 55.3976% | 2,695 |
| Net loans and leases to deposits | 70.7527% | 2,045 |
| Net loans and leases to core deposits | 77.6513% | 1,789 |
| Total domestic deposits to total assets | 78.2975% | 4,363 |
| Equity capital to assets | 11.1547% | 1,698 |
| Core capital (leverage) ratio | 10.6023% | 1,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5998% | 1,363 |
| Memoranda: | ||
| Average total assets | $1,666,207,600 | 627 |
| Average earning assets | $1,553,820,400 | 619 |
| Average equity | $169,221,600 | 637 |
| Average total loans | $1,027,333,400 | 641 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5584% | 2,670 |
| Cost of funding earning assets | 0.6113% | 605 |
| Net interest margin | 2.9471% | 3,446 |
| Noninterest income to average assets | 0.2974% | 3,664 |
| Noninterest expense to average assets | 2.1990% | 3,070 |
| Loan and lease loss provision to assets | -0.0893% | 4,578 |
| Net operating income to assets | 0.7404% | 3,674 |
| Return on assets (ROA) | 0.7429% | 3,732 |
| Pretax return on assets | 0.9396% | 3,608 |
| Return on Equity (ROE) | 7.4871% | 3,535 |
| Retained earnings to average equity (ytd only) | 7.4871% | 2,232 |
| Net charge-offs to loans | -0.0110% | 3,712 |
| Credit loss provision to net charge-offs | 1,284.0909% | 450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9894% | 1,404 |
| Assets per employee ($millions) | 8.1195% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9300% | 4,069 |
| Loan loss allowance to noncurrent loans | 150.3085% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.3971% | 1,860 |
| Noncurrent loans to loans | 0.6188% | 1,763 |
| Net loans and leases to total assets | 61.9556% | 2,009 |
| Net loans and leases to deposits | 78.7506% | 1,408 |
| Net loans and leases to core deposits | 89.1469% | 1,084 |
| Total domestic deposits to total assets | 78.6732% | 4,359 |
| Equity capital to assets | 10.8450% | 2,131 |
| Core capital (leverage) ratio | 10.1188% | 2,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0014% | 1,970 |
| Memoranda: | ||
| Average total assets | $1,687,927,250 | 623 |
| Average earning assets | $1,574,332,750 | 613 |
| Average equity | $167,484,750 | 649 |
| Average total loans | $1,063,489,500 | 632 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5515% | 2,770 |
| Cost of funding earning assets | 0.6259% | 651 |
| Net interest margin | 2.9256% | 3,512 |
| Noninterest income to average assets | 0.3017% | 3,626 |
| Noninterest expense to average assets | 2.1865% | 3,134 |
| Loan and lease loss provision to assets | -0.0953% | 4,616 |
| Net operating income to assets | 0.7437% | 3,654 |
| Return on assets (ROA) | 0.7459% | 3,717 |
| Pretax return on assets | 0.9431% | 3,564 |
| Return on Equity (ROE) | 7.7390% | 3,478 |
| Retained earnings to average equity (ytd only) | 7.7390% | 2,177 |
| Net charge-offs to loans | 0.0009% | 2,207 |
| Credit loss provision to net charge-offs | -16,400.0000% | 4,082 |
| Earnings coverage of net charge-offs (x) | 1,453.4000% | 80 |
| Efficiency ratio | 71.8319% | 1,449 |
| Assets per employee ($millions) | 7.8051% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8795% | 4,212 |
| Loan loss allowance to noncurrent loans | 213.8858% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 2,514 |
| Noncurrent loans to loans | 0.4112% | 2,447 |
| Net loans and leases to total assets | 65.4477% | 1,761 |
| Net loans and leases to deposits | 82.4405% | 1,184 |
| Net loans and leases to core deposits | 97.4468% | 742 |
| Total domestic deposits to total assets | 79.3878% | 4,303 |
| Equity capital to assets | 10.3310% | 2,553 |
| Core capital (leverage) ratio | 8.9841% | 3,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9636% | 2,379 |
| Memoranda: | ||
| Average total assets | $1,720,095,667 | 606 |
| Average earning assets | $1,604,956,333 | 596 |
| Average equity | $165,783,000 | 648 |
| Average total loans | $1,086,242,333 | 622 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4660% | 3,022 |
| Cost of funding earning assets | 0.6301% | 760 |
| Net interest margin | 2.8359% | 3,679 |
| Noninterest income to average assets | 0.3126% | 3,536 |
| Noninterest expense to average assets | 2.0373% | 3,598 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7301% | 3,633 |
| Return on assets (ROA) | 0.7664% | 3,598 |
| Pretax return on assets | 0.9680% | 3,463 |
| Return on Equity (ROE) | 8.2257% | 3,261 |
| Retained earnings to average equity (ytd only) | 8.2257% | 2,169 |
| Net charge-offs to loans | -0.0088% | 3,626 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2549% | 1,899 |
| Assets per employee ($millions) | 8.1187% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9409% | 4,048 |
| Loan loss allowance to noncurrent loans | 215.8963% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 2,658 |
| Noncurrent loans to loans | 0.4358% | 2,550 |
| Net loans and leases to total assets | 61.1221% | 2,388 |
| Net loans and leases to deposits | 83.9187% | 1,151 |
| Net loans and leases to core deposits | 101.3808% | 653 |
| Total domestic deposits to total assets | 72.8348% | 4,704 |
| Equity capital to assets | 9.0984% | 3,594 |
| Core capital (leverage) ratio | 8.7402% | 3,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3206% | 2,558 |
| Memoranda: | ||
| Average total assets | $1,764,515,500 | 591 |
| Average earning assets | $1,646,755,500 | 580 |
| Average equity | $164,412,000 | 650 |
| Average total loans | $1,090,817,000 | 616 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 3,702 |
| Cost of funding earning assets | 1.0329% | 527 |
| Net interest margin | 2.6148% | 4,484 |
| Noninterest income to average assets | 0.3164% | 3,570 |
| Noninterest expense to average assets | 2.0632% | 4,015 |
| Loan and lease loss provision to assets | 0.2508% | 1,541 |
| Net operating income to assets | 0.3480% | 4,352 |
| Return on assets (ROA) | 0.6248% | 3,789 |
| Pretax return on assets | 0.7881% | 3,656 |
| Return on Equity (ROE) | 6.8583% | 3,260 |
| Retained earnings to average equity (ytd only) | 6.8583% | 1,445 |
| Net charge-offs to loans | 0.2216% | 781 |
| Credit loss provision to net charge-offs | 185.6964% | 2,235 |
| Earnings coverage of net charge-offs (x) | 5.0979% | 2,903 |
| Efficiency ratio | 74.0260% | 1,438 |
| Assets per employee ($millions) | 8.1824% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 4,044 |
| Loan loss allowance to noncurrent loans | 92.2264% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.6710% | 1,559 |
| Noncurrent loans to loans | 1.0295% | 1,383 |
| Net loans and leases to total assets | 61.3504% | 2,681 |
| Net loans and leases to deposits | 83.1067% | 1,536 |
| Net loans and leases to core deposits | 103.1512% | 764 |
| Total domestic deposits to total assets | 73.8212% | 4,644 |
| Equity capital to assets | 9.5404% | 3,570 |
| Core capital (leverage) ratio | 8.3179% | 4,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9485% | 2,646 |
| Memoranda: | ||
| Average total assets | $1,770,535,800 | 535 |
| Average earning assets | $1,648,927,600 | 529 |
| Average equity | $161,293,000 | 633 |
| Average total loans | $1,078,974,600 | 594 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6722% | 3,852 |
| Cost of funding earning assets | 1.1039% | 532 |
| Net interest margin | 2.5683% | 4,603 |
| Noninterest income to average assets | 0.3168% | 3,592 |
| Noninterest expense to average assets | 2.0195% | 4,110 |
| Loan and lease loss provision to assets | 0.3147% | 1,265 |
| Net operating income to assets | 0.2975% | 4,453 |
| Return on assets (ROA) | 0.5055% | 4,109 |
| Pretax return on assets | 0.6366% | 4,035 |
| Return on Equity (ROE) | 5.6142% | 3,686 |
| Retained earnings to average equity (ytd only) | 5.6142% | 2,281 |
| Net charge-offs to loans | 0.1297% | 1,104 |
| Credit loss provision to net charge-offs | 399.8092% | 1,463 |
| Earnings coverage of net charge-offs (x) | 8.7414% | 2,469 |
| Efficiency ratio | 73.6242% | 1,450 |
| Assets per employee ($millions) | 8.7758% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 3,718 |
| Loan loss allowance to noncurrent loans | 157.9889% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 2,211 |
| Noncurrent loans to loans | 0.6309% | 2,217 |
| Net loans and leases to total assets | 61.6886% | 3,046 |
| Net loans and leases to deposits | 85.1897% | 1,790 |
| Net loans and leases to core deposits | 110.6527% | 673 |
| Total domestic deposits to total assets | 72.4132% | 4,674 |
| Equity capital to assets | 8.9562% | 4,149 |
| Core capital (leverage) ratio | 7.9821% | 4,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4843% | 2,796 |
| Memoranda: | ||
| Average total assets | $1,775,412,750 | 527 |
| Average earning assets | $1,652,599,750 | 519 |
| Average equity | $159,852,500 | 630 |
| Average total loans | $1,077,578,250 | 586 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7986% | 3,859 |
| Cost of funding earning assets | 1.2039% | 496 |
| Net interest margin | 2.5946% | 4,658 |
| Noninterest income to average assets | 0.3220% | 3,534 |
| Noninterest expense to average assets | 1.9760% | 4,281 |
| Loan and lease loss provision to assets | 0.3747% | 1,113 |
| Net operating income to assets | 0.3046% | 4,410 |
| Return on assets (ROA) | 0.4502% | 4,191 |
| Pretax return on assets | 0.5665% | 4,126 |
| Return on Equity (ROE) | 4.9905% | 3,829 |
| Retained earnings to average equity (ytd only) | 4.9905% | 2,476 |
| Net charge-offs to loans | 0.1667% | 891 |
| Credit loss provision to net charge-offs | 373.8636% | 1,463 |
| Earnings coverage of net charge-offs (x) | 7.5511% | 2,356 |
| Efficiency ratio | 71.3375% | 1,781 |
| Assets per employee ($millions) | 8.6244% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 3,843 |
| Loan loss allowance to noncurrent loans | 157.6542% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 2,360 |
| Noncurrent loans to loans | 0.5956% | 2,366 |
| Net loans and leases to total assets | 61.7933% | 3,145 |
| Net loans and leases to deposits | 85.8161% | 1,788 |
| Net loans and leases to core deposits | 115.4788% | 550 |
| Total domestic deposits to total assets | 72.0067% | 4,710 |
| Equity capital to assets | 8.9451% | 4,134 |
| Core capital (leverage) ratio | 7.3661% | 4,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3703% | 2,865 |
| Memoranda: | ||
| Average total assets | $1,755,838,667 | 522 |
| Average earning assets | $1,631,515,000 | 515 |
| Average equity | $158,380,667 | 634 |
| Average total loans | $1,055,823,333 | 586 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0363% | 3,691 |
| Cost of funding earning assets | 1.3322% | 507 |
| Net interest margin | 2.7041% | 4,667 |
| Noninterest income to average assets | 0.3311% | 3,545 |
| Noninterest expense to average assets | 2.0714% | 4,274 |
| Loan and lease loss provision to assets | 0.5569% | 512 |
| Net operating income to assets | 0.1654% | 4,578 |
| Return on assets (ROA) | 0.2406% | 4,485 |
| Pretax return on assets | 0.3014% | 4,455 |
| Return on Equity (ROE) | 2.6559% | 4,300 |
| Retained earnings to average equity (ytd only) | 2.6559% | 3,206 |
| Net charge-offs to loans | 0.3433% | 418 |
| Credit loss provision to net charge-offs | 275.2294% | 1,236 |
| Earnings coverage of net charge-offs (x) | 3.7775% | 2,186 |
| Efficiency ratio | 72.0972% | 2,064 |
| Assets per employee ($millions) | 8.4863% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9433% | 3,956 |
| Loan loss allowance to noncurrent loans | 150.0921% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 2,770 |
| Noncurrent loans to loans | 0.6285% | 2,416 |
| Net loans and leases to total assets | 58.4477% | 3,636 |
| Net loans and leases to deposits | 86.2903% | 1,961 |
| Net loans and leases to core deposits | 120.3679% | 455 |
| Total domestic deposits to total assets | 67.7338% | 4,934 |
| Equity capital to assets | 8.9854% | 4,607 |
| Core capital (leverage) ratio | 7.9435% | 4,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7678% | 3,163 |
| Memoranda: | ||
| Average total assets | $1,723,884,500 | 518 |
| Average earning assets | $1,596,714,000 | 510 |
| Average equity | $156,182,000 | 637 |
| Average total loans | $1,016,164,500 | 588 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4133% | 3,209 |
| Cost of funding earning assets | 1.5737% | 325 |
| Net interest margin | 2.8396% | 4,723 |
| Noninterest income to average assets | 0.4238% | 3,151 |
| Noninterest expense to average assets | 2.2181% | 4,129 |
| Loan and lease loss provision to assets | 0.0873% | 2,269 |
| Net operating income to assets | 0.5848% | 4,206 |
| Return on assets (ROA) | 0.6323% | 4,132 |
| Pretax return on assets | 0.7961% | 3,979 |
| Return on Equity (ROE) | 7.0350% | 3,537 |
| Retained earnings to average equity (ytd only) | 7.0350% | 1,374 |
| Net charge-offs to loans | 0.0766% | 2,001 |
| Credit loss provision to net charge-offs | 188.3444% | 1,403 |
| Earnings coverage of net charge-offs (x) | 17.7563% | 2,093 |
| Efficiency ratio | 71.9902% | 1,871 |
| Assets per employee ($millions) | 8.0147% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8284% | 4,224 |
| Loan loss allowance to noncurrent loans | 117.2732% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.4810% | 2,488 |
| Noncurrent loans to loans | 0.7064% | 2,107 |
| Net loans and leases to total assets | 58.3981% | 3,733 |
| Net loans and leases to deposits | 91.8143% | 1,390 |
| Net loans and leases to core deposits | 114.4986% | 654 |
| Total domestic deposits to total assets | 63.6046% | 5,056 |
| Equity capital to assets | 9.1372% | 4,618 |
| Core capital (leverage) ratio | 7.9741% | 5,046 |
| Tier 1 risk-based capital ratio | 11.2677% | 4,748 |
| Total risk-based capital ratio | 11.9616% | 4,872 |
| Memoranda: | ||
| Average total assets | $1,628,251,200 | 522 |
| Average earning assets | $1,500,965,800 | 515 |
| Average equity | $146,354,200 | 639 |
| Average total loans | $985,086,400 | 583 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4825% | 3,114 |
| Cost of funding earning assets | 1.6057% | 288 |
| Net interest margin | 2.8768% | 4,783 |
| Noninterest income to average assets | 0.4349% | 3,106 |
| Noninterest expense to average assets | 2.2640% | 4,038 |
| Loan and lease loss provision to assets | 0.0980% | 1,956 |
| Net operating income to assets | 0.5749% | 4,366 |
| Return on assets (ROA) | 0.6130% | 4,309 |
| Pretax return on assets | 0.7712% | 4,191 |
| Return on Equity (ROE) | 6.8498% | 3,744 |
| Retained earnings to average equity (ytd only) | 6.8498% | 1,931 |
| Net charge-offs to loans | 0.0896% | 1,571 |
| Credit loss provision to net charge-offs | 179.5455% | 1,431 |
| Earnings coverage of net charge-offs (x) | 15.0424% | 2,213 |
| Efficiency ratio | 72.4570% | 1,770 |
| Assets per employee ($millions) | 7.9590% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8148% | 4,369 |
| Loan loss allowance to noncurrent loans | 421.3617% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 3,767 |
| Noncurrent loans to loans | 0.1934% | 3,846 |
| Net loans and leases to total assets | 58.4848% | 3,824 |
| Net loans and leases to deposits | 91.5250% | 1,496 |
| Net loans and leases to core deposits | 113.7663% | 768 |
| Total domestic deposits to total assets | 63.9004% | 5,126 |
| Equity capital to assets | 8.9130% | 4,822 |
| Core capital (leverage) ratio | 7.7690% | 5,153 |
| Tier 1 risk-based capital ratio | 10.9746% | 4,919 |
| Total risk-based capital ratio | 11.6648% | 5,027 |
| Memoranda: | ||
| Average total assets | $1,612,539,000 | 527 |
| Average earning assets | $1,485,364,000 | 521 |
| Average equity | $144,312,750 | 644 |
| Average total loans | $982,403,000 | 584 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5141% | 2,973 |
| Cost of funding earning assets | 1.5897% | 281 |
| Net interest margin | 2.9244% | 4,793 |
| Noninterest income to average assets | 0.4129% | 3,184 |
| Noninterest expense to average assets | 2.3139% | 3,969 |
| Loan and lease loss provision to assets | 0.1342% | 1,380 |
| Net operating income to assets | 0.5221% | 4,477 |
| Return on assets (ROA) | 0.5503% | 4,455 |
| Pretax return on assets | 0.6906% | 4,352 |
| Return on Equity (ROE) | 6.1397% | 4,007 |
| Retained earnings to average equity (ytd only) | 6.1397% | 2,221 |
| Net charge-offs to loans | 0.0587% | 1,805 |
| Credit loss provision to net charge-offs | 371.0801% | 768 |
| Earnings coverage of net charge-offs (x) | 21.8397% | 1,717 |
| Efficiency ratio | 73.6158% | 1,686 |
| Assets per employee ($millions) | 7.4895% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8475% | 4,275 |
| Loan loss allowance to noncurrent loans | 252.5680% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.2917% | 3,377 |
| Noncurrent loans to loans | 0.3356% | 3,339 |
| Net loans and leases to total assets | 59.9040% | 3,738 |
| Net loans and leases to deposits | 91.3366% | 1,581 |
| Net loans and leases to core deposits | 112.2270% | 859 |
| Total domestic deposits to total assets | 65.5860% | 5,153 |
| Equity capital to assets | 8.9913% | 4,802 |
| Core capital (leverage) ratio | 7.7531% | 5,205 |
| Tier 1 risk-based capital ratio | 10.7342% | 5,024 |
| Total risk-based capital ratio | 11.4536% | 5,122 |
| Memoranda: | ||
| Average total assets | $1,587,617,670 | 532 |
| Average earning assets | $1,460,674,670 | 528 |
| Average equity | $142,287,330 | 649 |
| Average total loans | $978,229,670 | 588 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5042% | 2,847 |
| Cost of funding earning assets | 1.5243% | 299 |
| Net interest margin | 2.9799% | 4,782 |
| Noninterest income to average assets | 0.3673% | 3,395 |
| Noninterest expense to average assets | 2.2943% | 4,034 |
| Loan and lease loss provision to assets | 0.1641% | 1,028 |
| Net operating income to assets | 0.5167% | 4,472 |
| Return on assets (ROA) | 0.5173% | 4,491 |
| Pretax return on assets | 0.6482% | 4,422 |
| Return on Equity (ROE) | 5.7816% | 4,087 |
| Retained earnings to average equity (ytd only) | 5.7816% | 2,551 |
| Net charge-offs to loans | 0.1080% | 1,089 |
| Credit loss provision to net charge-offs | 244.1065% | 937 |
| Earnings coverage of net charge-offs (x) | 12.0722% | 1,885 |
| Efficiency ratio | 72.9180% | 1,894 |
| Assets per employee ($millions) | 7.3337% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8052% | 4,507 |
| Loan loss allowance to noncurrent loans | 184.4728% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.3122% | 3,353 |
| Noncurrent loans to loans | 0.4365% | 3,017 |
| Net loans and leases to total assets | 62.1926% | 3,484 |
| Net loans and leases to deposits | 96.9815% | 892 |
| Net loans and leases to core deposits | 113.6764% | 753 |
| Total domestic deposits to total assets | 64.1283% | 5,237 |
| Equity capital to assets | 9.0391% | 4,652 |
| Core capital (leverage) ratio | 7.9040% | 5,228 |
| Tier 1 risk-based capital ratio | 10.8420% | 5,049 |
| Total risk-based capital ratio | 11.5525% | 5,162 |
| Memoranda: | ||
| Average total assets | $1,565,069,000 | 535 |
| Average earning assets | $1,438,306,000 | 534 |
| Average equity | $140,029,500 | 656 |
| Average total loans | $974,133,500 | 592 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3359% | 2,979 |
| Cost of funding earning assets | 1.1347% | 445 |
| Net interest margin | 3.2013% | 4,481 |
| Noninterest income to average assets | 0.4450% | 3,134 |
| Noninterest expense to average assets | 2.5738% | 3,406 |
| Loan and lease loss provision to assets | 0.0707% | 2,724 |
| Net operating income to assets | 0.5555% | 4,536 |
| Return on assets (ROA) | 0.5096% | 4,641 |
| Pretax return on assets | 0.6499% | 4,534 |
| Return on Equity (ROE) | 5.3734% | 4,362 |
| Retained earnings to average equity (ytd only) | 5.3734% | 2,549 |
| Net charge-offs to loans | 0.1588% | 1,210 |
| Credit loss provision to net charge-offs | 69.3222% | 2,996 |
| Earnings coverage of net charge-offs (x) | 7.6387% | 2,971 |
| Efficiency ratio | 75.7856% | 1,395 |
| Assets per employee ($millions) | 6.9973% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7900% | 4,569 |
| Loan loss allowance to noncurrent loans | 154.3253% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.3554% | 3,122 |
| Noncurrent loans to loans | 0.5119% | 2,745 |
| Net loans and leases to total assets | 61.2921% | 3,628 |
| Net loans and leases to deposits | 96.0989% | 1,064 |
| Net loans and leases to core deposits | 109.4641% | 1,034 |
| Total domestic deposits to total assets | 63.7802% | 5,280 |
| Equity capital to assets | 8.8539% | 4,690 |
| Core capital (leverage) ratio | 7.8319% | 5,275 |
| Tier 1 risk-based capital ratio | 10.7954% | 5,072 |
| Total risk-based capital ratio | 11.4874% | 5,183 |
| Memoranda: | ||
| Average total assets | $1,403,834,600 | 566 |
| Average earning assets | $1,274,998,200 | 572 |
| Average equity | $133,137,400 | 652 |
| Average total loans | $901,244,800 | 612 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 3,010 |
| Cost of funding earning assets | 1.0239% | 536 |
| Net interest margin | 3.2641% | 4,370 |
| Noninterest income to average assets | 0.4426% | 3,217 |
| Noninterest expense to average assets | 2.7018% | 2,974 |
| Loan and lease loss provision to assets | 0.0624% | 2,726 |
| Net operating income to assets | 0.5182% | 4,721 |
| Return on assets (ROA) | 0.4807% | 4,804 |
| Pretax return on assets | 0.5889% | 4,751 |
| Return on Equity (ROE) | 4.9752% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.9752% | 3,251 |
| Net charge-offs to loans | 0.2048% | 828 |
| Credit loss provision to net charge-offs | 46.9163% | 2,857 |
| Earnings coverage of net charge-offs (x) | 5.2438% | 2,973 |
| Efficiency ratio | 78.4968% | 1,070 |
| Assets per employee ($millions) | 6.6167% | 1,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7861% | 4,672 |
| Loan loss allowance to noncurrent loans | 160.3251% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 3,242 |
| Noncurrent loans to loans | 0.4903% | 2,917 |
| Net loans and leases to total assets | 60.5231% | 3,794 |
| Net loans and leases to deposits | 95.7257% | 1,187 |
| Net loans and leases to core deposits | 103.3082% | 1,507 |
| Total domestic deposits to total assets | 63.2256% | 5,362 |
| Equity capital to assets | 8.7637% | 4,743 |
| Core capital (leverage) ratio | 8.0795% | 5,298 |
| Tier 1 risk-based capital ratio | 10.8155% | 5,126 |
| Total risk-based capital ratio | 11.5023% | 5,244 |
| Memoranda: | ||
| Average total assets | $1,366,442,500 | 580 |
| Average earning assets | $1,237,501,500 | 582 |
| Average equity | $132,037,500 | 654 |
| Average total loans | $886,632,250 | 618 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2932% | 2,782 |
| Cost of funding earning assets | 0.9269% | 644 |
| Net interest margin | 3.3663% | 4,055 |
| Noninterest income to average assets | 0.4547% | 3,120 |
| Noninterest expense to average assets | 2.8586% | 2,470 |
| Loan and lease loss provision to assets | 0.0609% | 2,684 |
| Net operating income to assets | 0.4717% | 4,818 |
| Return on assets (ROA) | 0.4492% | 4,863 |
| Pretax return on assets | 0.5478% | 4,820 |
| Return on Equity (ROE) | 4.4881% | 4,698 |
| Retained earnings to average equity (ytd only) | 4.4881% | 3,352 |
| Net charge-offs to loans | 0.3163% | 505 |
| Credit loss provision to net charge-offs | 28.9855% | 2,632 |
| Earnings coverage of net charge-offs (x) | 3.0297% | 2,922 |
| Efficiency ratio | 80.7888% | 932 |
| Assets per employee ($millions) | 5.9863% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7887% | 4,729 |
| Loan loss allowance to noncurrent loans | 203.5559% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 3,317 |
| Noncurrent loans to loans | 0.3874% | 3,307 |
| Net loans and leases to total assets | 65.4696% | 3,214 |
| Net loans and leases to deposits | 94.0465% | 1,355 |
| Net loans and leases to core deposits | 99.9446% | 1,743 |
| Total domestic deposits to total assets | 69.6141% | 5,288 |
| Equity capital to assets | 9.7678% | 3,855 |
| Core capital (leverage) ratio | 8.6303% | 5,013 |
| Tier 1 risk-based capital ratio | 11.4001% | 4,836 |
| Total risk-based capital ratio | 12.1135% | 5,015 |
| Memoranda: | ||
| Average total assets | $1,314,642,670 | 598 |
| Average earning assets | $1,187,166,000 | 604 |
| Average equity | $131,593,670 | 652 |
| Average total loans | $872,721,670 | 631 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2747% | 2,618 |
| Cost of funding earning assets | 0.8597% | 728 |
| Net interest margin | 3.4150% | 3,834 |
| Noninterest income to average assets | 0.4619% | 3,043 |
| Noninterest expense to average assets | 2.8714% | 2,463 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5476% | 4,586 |
| Return on assets (ROA) | 0.5357% | 4,619 |
| Pretax return on assets | 0.6567% | 4,552 |
| Return on Equity (ROE) | 5.2849% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.2849% | 3,042 |
| Net charge-offs to loans | 0.1145% | 1,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 8.8016% | 2,010 |
| Efficiency ratio | 80.0418% | 1,136 |
| Assets per employee ($millions) | 5.6635% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9031% | 4,435 |
| Loan loss allowance to noncurrent loans | 202.4479% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 3,381 |
| Noncurrent loans to loans | 0.4461% | 3,198 |
| Net loans and leases to total assets | 65.7728% | 3,068 |
| Net loans and leases to deposits | 91.4174% | 1,513 |
| Net loans and leases to core deposits | 97.6529% | 1,858 |
| Total domestic deposits to total assets | 71.9478% | 5,286 |
| Equity capital to assets | 10.1293% | 3,475 |
| Core capital (leverage) ratio | 8.7953% | 4,899 |
| Tier 1 risk-based capital ratio | 11.5073% | 4,858 |
| Total risk-based capital ratio | 12.3104% | 5,004 |
| Memoranda: | ||
| Average total assets | $1,295,516,000 | 610 |
| Average earning assets | $1,168,727,500 | 619 |
| Average equity | $131,316,500 | 651 |
| Average total loans | $862,694,000 | 637 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4684% | 1,818 |
| Cost of funding earning assets | 0.7094% | 977 |
| Net interest margin | 3.7590% | 2,566 |
| Noninterest income to average assets | 0.6715% | 2,088 |
| Noninterest expense to average assets | 2.9345% | 2,332 |
| Loan and lease loss provision to assets | 0.0447% | 3,347 |
| Net operating income to assets | -0.6014% | 5,550 |
| Return on assets (ROA) | -0.6021% | 5,550 |
| Pretax return on assets | 0.9924% | 3,606 |
| Return on Equity (ROE) | -5.2863% | 5,540 |
| Retained earnings to average equity (ytd only) | -5.2863% | 5,439 |
| Net charge-offs to loans | 0.0481% | 2,825 |
| Credit loss provision to net charge-offs | 129.5673% | 2,027 |
| Earnings coverage of net charge-offs (x) | 30.0745% | 1,546 |
| Efficiency ratio | 72.7195% | 2,115 |
| Assets per employee ($millions) | 5.4834% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9277% | 4,329 |
| Loan loss allowance to noncurrent loans | 140.9914% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.5543% | 2,703 |
| Noncurrent loans to loans | 0.6580% | 2,566 |
| Net loans and leases to total assets | 66.1900% | 3,079 |
| Net loans and leases to deposits | 91.8936% | 1,539 |
| Net loans and leases to core deposits | 98.6768% | 1,811 |
| Total domestic deposits to total assets | 72.0289% | 5,319 |
| Equity capital to assets | 10.1432% | 3,544 |
| Core capital (leverage) ratio | 8.6396% | 5,002 |
| Tier 1 risk-based capital ratio | 11.3810% | 4,929 |
| Total risk-based capital ratio | 12.2152% | 5,046 |
| Memoranda: | ||
| Average total assets | $1,205,032,600 | 624 |
| Average earning assets | $1,058,299,600 | 641 |
| Average equity | $137,242,600 | 597 |
| Average total loans | $865,208,000 | 607 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5722% | 1,441 |
| Cost of funding earning assets | 0.6929% | 995 |
| Net interest margin | 3.8793% | 2,110 |
| Noninterest income to average assets | 0.6353% | 2,282 |
| Noninterest expense to average assets | 3.0309% | 2,032 |
| Loan and lease loss provision to assets | 0.0608% | 2,863 |
| Net operating income to assets | 0.6014% | 4,390 |
| Return on assets (ROA) | 0.6014% | 4,429 |
| Pretax return on assets | 0.8865% | 4,081 |
| Return on Equity (ROE) | 5.1271% | 4,485 |
| Retained earnings to average equity (ytd only) | 5.1271% | 2,797 |
| Net charge-offs to loans | 0.0504% | 2,421 |
| Credit loss provision to net charge-offs | 164.8318% | 1,567 |
| Earnings coverage of net charge-offs (x) | 25.6972% | 1,714 |
| Efficiency ratio | 75.0071% | 1,741 |
| Assets per employee ($millions) | 5.3942% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 4,360 |
| Loan loss allowance to noncurrent loans | 122.2122% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.6607% | 2,525 |
| Noncurrent loans to loans | 0.7711% | 2,441 |
| Net loans and leases to total assets | 68.1155% | 2,831 |
| Net loans and leases to deposits | 89.2474% | 1,897 |
| Net loans and leases to core deposits | 96.2295% | 2,046 |
| Total domestic deposits to total assets | 76.3221% | 4,981 |
| Equity capital to assets | 11.3445% | 2,528 |
| Core capital (leverage) ratio | 9.3261% | 4,376 |
| Tier 1 risk-based capital ratio | 11.1554% | 5,155 |
| Total risk-based capital ratio | 11.9915% | 5,283 |
| Memoranda: | ||
| Average total assets | $1,182,768,500 | 635 |
| Average earning assets | $1,019,197,500 | 668 |
| Average equity | $138,737,750 | 591 |
| Average total loans | $865,365,500 | 609 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5922% | 1,268 |
| Cost of funding earning assets | 0.6742% | 1,024 |
| Net interest margin | 3.9179% | 1,867 |
| Noninterest income to average assets | 0.6425% | 2,239 |
| Noninterest expense to average assets | 3.0755% | 1,898 |
| Loan and lease loss provision to assets | 0.0283% | 3,434 |
| Net operating income to assets | 0.6330% | 4,149 |
| Return on assets (ROA) | 0.6330% | 4,200 |
| Pretax return on assets | 0.9354% | 3,807 |
| Return on Equity (ROE) | 5.3334% | 4,341 |
| Retained earnings to average equity (ytd only) | 5.3334% | 2,511 |
| Net charge-offs to loans | 0.0715% | 1,918 |
| Credit loss provision to net charge-offs | 52.9032% | 2,532 |
| Earnings coverage of net charge-offs (x) | 18.0290% | 1,901 |
| Efficiency ratio | 74.9541% | 1,860 |
| Assets per employee ($millions) | 4.9412% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 4,557 |
| Loan loss allowance to noncurrent loans | 114.4038% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.7323% | 2,372 |
| Noncurrent loans to loans | 0.8042% | 2,387 |
| Net loans and leases to total assets | 73.1364% | 2,015 |
| Net loans and leases to deposits | 83.8177% | 2,509 |
| Net loans and leases to core deposits | 89.9465% | 2,532 |
| Total domestic deposits to total assets | 87.2566% | 1,827 |
| Equity capital to assets | 12.2744% | 1,745 |
| Core capital (leverage) ratio | 9.3325% | 4,324 |
| Tier 1 risk-based capital ratio | 10.9803% | 5,261 |
| Total risk-based capital ratio | 11.7926% | 5,366 |
| Memoranda: | ||
| Average total assets | $1,159,876,670 | 646 |
| Average earning assets | $1,005,582,000 | 682 |
| Average equity | $137,660,330 | 591 |
| Average total loans | $866,975,000 | 608 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 1,156 |
| Cost of funding earning assets | 0.6678% | 989 |
| Net interest margin | 3.9273% | 1,683 |
| Noninterest income to average assets | 0.5361% | 2,730 |
| Noninterest expense to average assets | 3.2302% | 1,523 |
| Loan and lease loss provision to assets | 0.0212% | 3,307 |
| Net operating income to assets | 0.4752% | 4,687 |
| Return on assets (ROA) | 0.4752% | 4,711 |
| Pretax return on assets | 0.6932% | 4,473 |
| Return on Equity (ROE) | 4.0721% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.0721% | 3,422 |
| Net charge-offs to loans | 0.0450% | 1,941 |
| Credit loss provision to net charge-offs | 62.6263% | 1,887 |
| Earnings coverage of net charge-offs (x) | 21.0909% | 1,461 |
| Efficiency ratio | 80.6835% | 1,296 |
| Assets per employee ($millions) | 5.3699% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8954% | 4,773 |
| Loan loss allowance to noncurrent loans | 191.1257% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.4495% | 3,395 |
| Noncurrent loans to loans | 0.4685% | 3,414 |
| Net loans and leases to total assets | 74.6699% | 1,633 |
| Net loans and leases to deposits | 85.1012% | 2,151 |
| Net loans and leases to core deposits | 91.5166% | 2,215 |
| Total domestic deposits to total assets | 87.7425% | 1,869 |
| Equity capital to assets | 11.7831% | 1,979 |
| Core capital (leverage) ratio | 9.0129% | 4,720 |
| Tier 1 risk-based capital ratio | 10.4054% | 5,586 |
| Total risk-based capital ratio | 11.2151% | 5,679 |
| Memoranda: | ||
| Average total assets | $1,169,109,000 | 639 |
| Average earning assets | $1,014,640,000 | 677 |
| Average equity | $136,439,500 | 594 |
| Average total loans | $879,192,500 | 609 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0650% | 532 |
| Cost of funding earning assets | 0.6874% | 872 |
| Net interest margin | 4.3776% | 808 |
| Noninterest income to average assets | 0.5253% | 3,056 |
| Noninterest expense to average assets | 4.1641% | 502 |
| Loan and lease loss provision to assets | 0.2118% | 1,068 |
| Net operating income to assets | 1.2238% | 1,426 |
| Return on assets (ROA) | 1.2238% | 1,519 |
| Pretax return on assets | 0.0128% | 5,649 |
| Return on Equity (ROE) | 10.7599% | 1,664 |
| Retained earnings to average equity (ytd only) | 10.7599% | 329 |
| Net charge-offs to loans | 0.0118% | 3,875 |
| Credit loss provision to net charge-offs | 2,474.7126% | 171 |
| Earnings coverage of net charge-offs (x) | 26.2414% | 1,553 |
| Efficiency ratio | 93.7181% | 390 |
| Assets per employee ($millions) | 5.1569% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8980% | 4,792 |
| Loan loss allowance to noncurrent loans | 414.5932% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 4,565 |
| Noncurrent loans to loans | 0.2166% | 4,379 |
| Net loans and leases to total assets | 74.4547% | 1,775 |
| Net loans and leases to deposits | 84.4812% | 2,362 |
| Net loans and leases to core deposits | 91.0944% | 2,392 |
| Total domestic deposits to total assets | 88.1316% | 1,574 |
| Equity capital to assets | 11.3825% | 2,260 |
| Core capital (leverage) ratio | 8.8739% | 4,884 |
| Tier 1 risk-based capital ratio | 10.1593% | 5,693 |
| Total risk-based capital ratio | 10.9741% | 5,772 |
| Memoranda: | ||
| Average total assets | $1,016,704,200 | 709 |
| Average earning assets | $897,266,600 | 734 |
| Average equity | $115,632,600 | 695 |
| Average total loans | $739,461,800 | 673 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0848% | 515 |
| Cost of funding earning assets | 0.6859% | 871 |
| Net interest margin | 4.3988% | 781 |
| Noninterest income to average assets | 0.5302% | 3,041 |
| Noninterest expense to average assets | 4.2553% | 465 |
| Loan and lease loss provision to assets | 0.1970% | 1,082 |
| Net operating income to assets | 1.6274% | 685 |
| Return on assets (ROA) | 1.6274% | 726 |
| Pretax return on assets | -0.0247% | 5,741 |
| Return on Equity (ROE) | 14.3124% | 765 |
| Retained earnings to average equity (ytd only) | 14.3124% | 157 |
| Net charge-offs to loans | 0.1052% | 1,892 |
| Credit loss provision to net charge-offs | 259.8921% | 1,165 |
| Earnings coverage of net charge-offs (x) | 2.2734% | 3,592 |
| Efficiency ratio | 94.9392% | 351 |
| Assets per employee ($millions) | 4.8614% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7941% | 5,201 |
| Loan loss allowance to noncurrent loans | 298.9769% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 4,496 |
| Noncurrent loans to loans | 0.2656% | 4,313 |
| Net loans and leases to total assets | 71.0768% | 2,336 |
| Net loans and leases to deposits | 80.7212% | 2,884 |
| Net loans and leases to core deposits | 86.7670% | 2,875 |
| Total domestic deposits to total assets | 88.0522% | 1,377 |
| Equity capital to assets | 11.3555% | 2,647 |
| Core capital (leverage) ratio | 8.6154% | 5,245 |
| Tier 1 risk-based capital ratio | 10.3577% | 5,673 |
| Total risk-based capital ratio | 11.0787% | 5,805 |
| Memoranda: | ||
| Average total assets | $978,226,750 | 744 |
| Average earning assets | $866,722,250 | 755 |
| Average equity | $111,229,500 | 723 |
| Average total loans | $704,458,500 | 716 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9805% | 616 |
| Cost of funding earning assets | 0.6940% | 829 |
| Net interest margin | 4.2864% | 949 |
| Noninterest income to average assets | 0.6352% | 2,440 |
| Noninterest expense to average assets | 4.4634% | 399 |
| Loan and lease loss provision to assets | 0.0110% | 3,879 |
| Net operating income to assets | 2.6341% | 125 |
| Return on assets (ROA) | 2.6341% | 127 |
| Pretax return on assets | -0.0312% | 5,803 |
| Return on Equity (ROE) | 23.1527% | 127 |
| Retained earnings to average equity (ytd only) | 15.1404% | 144 |
| Net charge-offs to loans | -0.0015% | 4,345 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2782% | 257 |
| Assets per employee ($millions) | 4.8300% | 2,517 |
| Cash dividends to net income (ytd only)* | 34.6064% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7112% | 5,495 |
| Loan loss allowance to noncurrent loans | 189.5364% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 4,316 |
| Noncurrent loans to loans | 0.3752% | 4,016 |
| Net loans and leases to total assets | 70.0286% | 2,480 |
| Net loans and leases to deposits | 79.4933% | 3,001 |
| Net loans and leases to core deposits | 85.2778% | 2,963 |
| Total domestic deposits to total assets | 88.0937% | 1,382 |
| Equity capital to assets | 11.4595% | 2,585 |
| Core capital (leverage) ratio | 8.7241% | 5,143 |
| Tier 1 risk-based capital ratio | 10.3678% | 5,736 |
| Total risk-based capital ratio | 11.0084% | 5,872 |
| Memoranda: | ||
| Average total assets | $910,525,670 | 793 |
| Average earning assets | $808,881,670 | 821 |
| Average equity | $103,590,670 | 769 |
| Average total loans | $657,154,000 | 753 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6041% | 1,255 |
| Cost of funding earning assets | 0.6755% | 914 |
| Net interest margin | 3.9286% | 1,849 |
| Noninterest income to average assets | 0.6434% | 2,300 |
| Noninterest expense to average assets | 5.6487% | 199 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 5.2194% | 40 |
| Return on assets (ROA) | 5.2194% | 40 |
| Pretax return on assets | -1.4959% | 6,051 |
| Return on Equity (ROE) | 46.1284% | 23 |
| Retained earnings to average equity (ytd only) | 27.2940% | 34 |
| Net charge-offs to loans | -0.0119% | 4,602 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.4272% | 62 |
| Assets per employee ($millions) | 4.9125% | 2,440 |
| Cash dividends to net income (ytd only)* | 40.8304% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7218% | 5,558 |
| Loan loss allowance to noncurrent loans | 158.6385% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 3,913 |
| Noncurrent loans to loans | 0.4550% | 3,815 |
| Net loans and leases to total assets | 71.1969% | 2,153 |
| Net loans and leases to deposits | 81.0281% | 2,671 |
| Net loans and leases to core deposits | 86.7393% | 2,681 |
| Total domestic deposits to total assets | 87.8669% | 1,717 |
| Equity capital to assets | 11.7405% | 2,209 |
| Core capital (leverage) ratio | 12.1127% | 1,540 |
| Tier 1 risk-based capital ratio | 10.2845% | 5,836 |
| Total risk-based capital ratio | 10.9453% | 5,943 |
| Memoranda: | ||
| Average total assets | $778,942,000 | 926 |
| Average earning assets | $695,816,000 | 952 |
| Average equity | $88,136,500 | 908 |
| Average total loans | $571,827,000 | 864 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8338% | 871 |
| Cost of funding earning assets | 0.7218% | 726 |
| Net interest margin | 4.1121% | 1,384 |
| Noninterest income to average assets | 0.3732% | 4,241 |
| Noninterest expense to average assets | 2.8744% | 2,951 |
| Loan and lease loss provision to assets | 0.1513% | 1,558 |
| Net operating income to assets | 0.7518% | 3,559 |
| Return on assets (ROA) | 0.7518% | 3,658 |
| Pretax return on assets | 1.1894% | 2,698 |
| Return on Equity (ROE) | 7.1832% | 3,415 |
| Retained earnings to average equity (ytd only) | 7.1832% | 1,200 |
| Net charge-offs to loans | 0.0248% | 3,744 |
| Credit loss provision to net charge-offs | 824.3243% | 417 |
| Earnings coverage of net charge-offs (x) | 73.0270% | 743 |
| Efficiency ratio | 67.7792% | 3,606 |
| Assets per employee ($millions) | 5.6317% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7718% | 5,482 |
| Loan loss allowance to noncurrent loans | 146.8607% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 3,659 |
| Noncurrent loans to loans | 0.5255% | 3,589 |
| Net loans and leases to total assets | 77.2873% | 1,213 |
| Net loans and leases to deposits | 86.2528% | 2,097 |
| Net loans and leases to core deposits | 92.2946% | 2,187 |
| Total domestic deposits to total assets | 89.6055% | 798 |
| Equity capital to assets | 10.1914% | 3,760 |
| Core capital (leverage) ratio | 9.8036% | 3,764 |
| Tier 1 risk-based capital ratio | 12.1049% | 4,884 |
| Total risk-based capital ratio | 12.8485% | 5,102 |
| Memoranda: | ||
| Average total assets | $403,047,200 | 1,636 |
| Average earning assets | $376,574,600 | 1,619 |
| Average equity | $42,181,600 | 1,724 |
| Average total loans | $297,859,600 | 1,475 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7663% | 988 |
| Cost of funding earning assets | 0.7188% | 761 |
| Net interest margin | 4.0475% | 1,569 |
| Noninterest income to average assets | 0.3726% | 4,269 |
| Noninterest expense to average assets | 2.7862% | 3,240 |
| Loan and lease loss provision to assets | 0.1462% | 1,497 |
| Net operating income to assets | 0.8034% | 3,418 |
| Return on assets (ROA) | 0.8034% | 3,511 |
| Pretax return on assets | 1.2224% | 2,722 |
| Return on Equity (ROE) | 7.6226% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.6226% | 1,406 |
| Net charge-offs to loans | 0.0286% | 3,372 |
| Credit loss provision to net charge-offs | 701.6129% | 489 |
| Earnings coverage of net charge-offs (x) | 65.6972% | 851 |
| Efficiency ratio | 66.6721% | 3,769 |
| Assets per employee ($millions) | 5.9838% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7739% | 5,576 |
| Loan loss allowance to noncurrent loans | 2,059.8291% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 5,322 |
| Noncurrent loans to loans | 0.0376% | 5,466 |
| Net loans and leases to total assets | 72.7352% | 1,946 |
| Net loans and leases to deposits | 81.3652% | 2,720 |
| Net loans and leases to core deposits | 86.9767% | 2,752 |
| Total domestic deposits to total assets | 89.3935% | 820 |
| Equity capital to assets | 10.1438% | 4,004 |
| Core capital (leverage) ratio | 10.0765% | 3,531 |
| Tier 1 risk-based capital ratio | 12.9281% | 4,469 |
| Total risk-based capital ratio | 13.6736% | 4,720 |
| Memoranda: | ||
| Average total assets | $396,807,250 | 1,676 |
| Average earning assets | $370,790,250 | 1,649 |
| Average equity | $41,822,000 | 1,755 |
| Average total loans | $288,982,500 | 1,513 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7420% | 997 |
| Cost of funding earning assets | 0.7187% | 769 |
| Net interest margin | 4.0234% | 1,574 |
| Noninterest income to average assets | 0.3789% | 4,241 |
| Noninterest expense to average assets | 2.7492% | 3,414 |
| Loan and lease loss provision to assets | 0.1523% | 1,399 |
| Net operating income to assets | 0.8145% | 3,307 |
| Return on assets (ROA) | 0.8145% | 3,414 |
| Pretax return on assets | 1.2342% | 2,630 |
| Return on Equity (ROE) | 7.6237% | 3,253 |
| Retained earnings to average equity (ytd only) | 7.6237% | 1,417 |
| Net charge-offs to loans | 0.0156% | 3,395 |
| Credit loss provision to net charge-offs | 1,340.9091% | 273 |
| Earnings coverage of net charge-offs (x) | 122.0909% | 517 |
| Efficiency ratio | 66.0759% | 3,994 |
| Assets per employee ($millions) | 5.6800% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7846% | 5,637 |
| Loan loss allowance to noncurrent loans | 1,462.0253% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 5,398 |
| Noncurrent loans to loans | 0.0537% | 5,525 |
| Net loans and leases to total assets | 71.4304% | 2,079 |
| Net loans and leases to deposits | 79.9319% | 2,794 |
| Net loans and leases to core deposits | 85.3166% | 2,848 |
| Total domestic deposits to total assets | 89.3641% | 966 |
| Equity capital to assets | 10.2965% | 3,696 |
| Core capital (leverage) ratio | 10.2252% | 3,305 |
| Tier 1 risk-based capital ratio | 13.3851% | 4,284 |
| Total risk-based capital ratio | 14.1401% | 4,496 |
| Memoranda: | ||
| Average total assets | $387,459,000 | 1,720 |
| Average earning assets | $361,786,330 | 1,691 |
| Average equity | $41,397,330 | 1,775 |
| Average total loans | $281,501,000 | 1,553 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7700% | 908 |
| Cost of funding earning assets | 0.7143% | 798 |
| Net interest margin | 4.0558% | 1,398 |
| Noninterest income to average assets | 0.3185% | 4,639 |
| Noninterest expense to average assets | 2.6312% | 3,820 |
| Loan and lease loss provision to assets | 0.1805% | 1,064 |
| Net operating income to assets | 0.8537% | 2,990 |
| Return on assets (ROA) | 0.8537% | 3,109 |
| Pretax return on assets | 1.2933% | 2,311 |
| Return on Equity (ROE) | 7.8360% | 3,051 |
| Retained earnings to average equity (ytd only) | 7.8360% | 1,635 |
| Net charge-offs to loans | 0.0204% | 2,745 |
| Credit loss provision to net charge-offs | 1,214.2857% | 288 |
| Earnings coverage of net charge-offs (x) | 99.1429% | 501 |
| Efficiency ratio | 63.6834% | 4,523 |
| Assets per employee ($millions) | 5.7261% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7688% | 5,761 |
| Loan loss allowance to noncurrent loans | 400.9141% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 5,350 |
| Noncurrent loans to loans | 0.1918% | 5,097 |
| Net loans and leases to total assets | 72.6918% | 1,702 |
| Net loans and leases to deposits | 81.7378% | 2,369 |
| Net loans and leases to core deposits | 87.7254% | 2,357 |
| Total domestic deposits to total assets | 88.9328% | 1,316 |
| Equity capital to assets | 10.6619% | 3,353 |
| Core capital (leverage) ratio | 10.7118% | 2,739 |
| Tier 1 risk-based capital ratio | 13.7266% | 4,202 |
| Total risk-based capital ratio | 14.4770% | 4,400 |
| Memoranda: | ||
| Average total assets | $376,707,000 | 1,773 |
| Average earning assets | $351,697,000 | 1,751 |
| Average equity | $41,041,500 | 1,790 |
| Average total loans | $275,034,500 | 1,593 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9087% | 912 |
| Cost of funding earning assets | 0.7657% | 778 |
| Net interest margin | 4.1430% | 1,455 |
| Noninterest income to average assets | 0.5091% | 3,440 |
| Noninterest expense to average assets | 2.8505% | 3,304 |
| Loan and lease loss provision to assets | 0.2163% | 1,149 |
| Net operating income to assets | 0.8556% | 3,085 |
| Return on assets (ROA) | 0.8556% | 3,185 |
| Pretax return on assets | 1.2963% | 2,253 |
| Return on Equity (ROE) | 8.0449% | 3,113 |
| Retained earnings to average equity (ytd only) | 7.8776% | 1,064 |
| Net charge-offs to loans | 0.0741% | 3,428 |
| Credit loss provision to net charge-offs | 402.9070% | 642 |
| Earnings coverage of net charge-offs (x) | 28.1744% | 1,405 |
| Efficiency ratio | 65.1023% | 4,390 |
| Assets per employee ($millions) | 5.6881% | 1,617 |
| Cash dividends to net income (ytd only)* | 2.0795% | 4,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7692% | 5,847 |
| Loan loss allowance to noncurrent loans | 388.0000% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 5,455 |
| Noncurrent loans to loans | 0.1982% | 5,111 |
| Net loans and leases to total assets | 72.1888% | 1,877 |
| Net loans and leases to deposits | 81.5431% | 2,533 |
| Net loans and leases to core deposits | 87.9795% | 2,504 |
| Total domestic deposits to total assets | 88.5284% | 1,510 |
| Equity capital to assets | 11.1439% | 2,758 |
| Core capital (leverage) ratio | 10.9023% | 2,494 |
| Tier 1 risk-based capital ratio | 14.4750% | 3,789 |
| Total risk-based capital ratio | 15.2212% | 4,040 |
| Memoranda: | ||
| Average total assets | $320,365,400 | 2,027 |
| Average earning assets | $298,022,800 | 2,008 |
| Average equity | $34,071,200 | 2,049 |
| Average total loans | $232,061,600 | 1,812 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8540% | 1,019 |
| Cost of funding earning assets | 0.7660% | 814 |
| Net interest margin | 4.0880% | 1,612 |
| Noninterest income to average assets | 0.4877% | 3,633 |
| Noninterest expense to average assets | 2.7545% | 3,623 |
| Loan and lease loss provision to assets | 0.2706% | 776 |
| Net operating income to assets | 0.8208% | 3,336 |
| Return on assets (ROA) | 0.8208% | 3,427 |
| Pretax return on assets | 1.2611% | 2,529 |
| Return on Equity (ROE) | 7.8280% | 3,298 |
| Retained earnings to average equity (ytd only) | 7.5937% | 1,537 |
| Net charge-offs to loans | 0.1024% | 2,771 |
| Credit loss provision to net charge-offs | 365.1163% | 772 |
| Earnings coverage of net charge-offs (x) | 20.6684% | 1,718 |
| Efficiency ratio | 64.1033% | 4,524 |
| Assets per employee ($millions) | 5.7827% | 1,500 |
| Cash dividends to net income (ytd only)* | 2.9922% | 3,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7803% | 5,922 |
| Loan loss allowance to noncurrent loans | 510.6218% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 5,741 |
| Noncurrent loans to loans | 0.1528% | 5,448 |
| Net loans and leases to total assets | 68.7936% | 2,411 |
| Net loans and leases to deposits | 77.5284% | 3,001 |
| Net loans and leases to core deposits | 83.5520% | 2,937 |
| Total domestic deposits to total assets | 88.7334% | 1,384 |
| Equity capital to assets | 10.8700% | 3,100 |
| Core capital (leverage) ratio | 10.9617% | 2,524 |
| Tier 1 risk-based capital ratio | 15.0340% | 3,562 |
| Total risk-based capital ratio | 15.7998% | 3,798 |
| Memoranda: | ||
| Average total assets | $309,447,500 | 2,114 |
| Average earning assets | $287,535,750 | 2,096 |
| Average equity | $32,447,000 | 2,146 |
| Average total loans | $223,869,250 | 1,879 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8744% | 951 |
| Cost of funding earning assets | 0.7705% | 831 |
| Net interest margin | 4.1040% | 1,495 |
| Noninterest income to average assets | 0.5001% | 3,486 |
| Noninterest expense to average assets | 2.7476% | 3,707 |
| Loan and lease loss provision to assets | 0.3558% | 498 |
| Net operating income to assets | 0.7893% | 3,383 |
| Return on assets (ROA) | 0.7893% | 3,482 |
| Pretax return on assets | 1.2055% | 2,647 |
| Return on Equity (ROE) | 7.6440% | 3,293 |
| Retained earnings to average equity (ytd only) | 7.3114% | 1,607 |
| Net charge-offs to loans | 0.0093% | 4,087 |
| Credit loss provision to net charge-offs | 5,180.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 227.3000% | 299 |
| Efficiency ratio | 63.7016% | 4,740 |
| Assets per employee ($millions) | 5.8328% | 1,397 |
| Cash dividends to net income (ytd only)* | 4.3516% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8348% | 5,895 |
| Loan loss allowance to noncurrent loans | 520.0514% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 5,816 |
| Noncurrent loans to loans | 0.1605% | 5,531 |
| Net loans and leases to total assets | 69.8345% | 2,110 |
| Net loans and leases to deposits | 78.6803% | 2,711 |
| Net loans and leases to core deposits | 84.7638% | 2,644 |
| Total domestic deposits to total assets | 88.7573% | 1,502 |
| Equity capital to assets | 10.9297% | 2,946 |
| Core capital (leverage) ratio | 12.6536% | 1,303 |
| Tier 1 risk-based capital ratio | 14.4815% | 3,941 |
| Total risk-based capital ratio | 15.2812% | 4,177 |
| Memoranda: | ||
| Average total assets | $291,161,000 | 2,218 |
| Average earning assets | $270,226,000 | 2,208 |
| Average equity | $30,062,670 | 2,274 |
| Average total loans | $214,295,330 | 1,952 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0746% | 621 |
| Cost of funding earning assets | 0.8243% | 653 |
| Net interest margin | 4.2503% | 1,098 |
| Noninterest income to average assets | 0.2841% | 5,098 |
| Noninterest expense to average assets | 2.8775% | 3,292 |
| Loan and lease loss provision to assets | 0.2388% | 927 |
| Net operating income to assets | 0.7345% | 3,522 |
| Return on assets (ROA) | 0.7345% | 3,600 |
| Pretax return on assets | 1.1108% | 2,852 |
| Return on Equity (ROE) | 7.3951% | 3,257 |
| Retained earnings to average equity (ytd only) | 6.6343% | 2,216 |
| Net charge-offs to loans | 0.0040% | 3,592 |
| Credit loss provision to net charge-offs | 7,900.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 446.5000% | 96 |
| Efficiency ratio | 68.0014% | 4,181 |
| Assets per employee ($millions) | 5.2333% | 1,977 |
| Cash dividends to net income (ytd only)* | 10.2881% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8032% | 6,098 |
| Loan loss allowance to noncurrent loans | 2,229.3333% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 6,211 |
| Noncurrent loans to loans | 0.0360% | 6,041 |
| Net loans and leases to total assets | 77.3656% | 835 |
| Net loans and leases to deposits | 86.3147% | 1,558 |
| Net loans and leases to core deposits | 94.5666% | 1,502 |
| Total domestic deposits to total assets | 89.6320% | 1,291 |
| Equity capital to assets | 9.9596% | 3,891 |
| Core capital (leverage) ratio | 9.9960% | 3,579 |
| Tier 1 risk-based capital ratio | 12.6900% | 5,194 |
| Total risk-based capital ratio | 13.4888% | 5,413 |
| Memoranda: | ||
| Average total assets | $264,674,000 | 2,417 |
| Average earning assets | $245,536,000 | 2,391 |
| Average equity | $26,287,500 | 2,532 |
| Average total loans | $200,269,000 | 2,049 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0230% | 879 |
| Cost of funding earning assets | 0.8911% | 775 |
| Net interest margin | 4.1319% | 1,563 |
| Noninterest income to average assets | 0.6329% | 2,898 |
| Noninterest expense to average assets | 2.9697% | 3,134 |
| Loan and lease loss provision to assets | 0.1856% | 1,983 |
| Net operating income to assets | 0.8526% | 3,018 |
| Return on assets (ROA) | 0.8526% | 3,095 |
| Pretax return on assets | 1.2923% | 2,189 |
| Return on Equity (ROE) | 8.0130% | 3,028 |
| Retained earnings to average equity (ytd only) | 7.6887% | 1,157 |
| Net charge-offs to loans | 0.0012% | 5,460 |
| Credit loss provision to net charge-offs | 22,050.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 1,756.0000% | 21 |
| Efficiency ratio | 66.6856% | 4,430 |
| Assets per employee ($millions) | 5.1461% | 2,021 |
| Cash dividends to net income (ytd only)* | 4.0474% | 4,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7880% | 6,197 |
| Loan loss allowance to noncurrent loans | 1,783.5294% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 6,286 |
| Noncurrent loans to loans | 0.0442% | 6,104 |
| Net loans and leases to total assets | 72.7235% | 1,555 |
| Net loans and leases to deposits | 80.9698% | 2,326 |
| Net loans and leases to core deposits | 89.6916% | 2,059 |
| Total domestic deposits to total assets | 89.8155% | 1,170 |
| Equity capital to assets | 9.9040% | 3,897 |
| Core capital (leverage) ratio | 10.2344% | 3,244 |
| Tier 1 risk-based capital ratio | 13.7658% | 4,468 |
| Total risk-based capital ratio | 14.5648% | 4,718 |
| Memoranda: | ||
| Average total assets | $237,633,600 | 2,645 |
| Average earning assets | $219,392,000 | 2,627 |
| Average equity | $25,283,800 | 2,605 |
| Average total loans | $165,205,800 | 2,355 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0000% | 946 |
| Cost of funding earning assets | 0.9060% | 792 |
| Net interest margin | 4.0940% | 1,651 |
| Noninterest income to average assets | 0.6332% | 2,970 |
| Noninterest expense to average assets | 3.0039% | 2,980 |
| Loan and lease loss provision to assets | 0.1141% | 2,868 |
| Net operating income to assets | 0.8400% | 3,140 |
| Return on assets (ROA) | 0.8400% | 3,269 |
| Pretax return on assets | 1.2899% | 2,368 |
| Return on Equity (ROE) | 7.7428% | 3,264 |
| Retained earnings to average equity (ytd only) | 7.5463% | 1,621 |
| Net charge-offs to loans | 0.0017% | 5,189 |
| Credit loss provision to net charge-offs | 9,900.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 1,216.9476% | 30 |
| Efficiency ratio | 68.0565% | 4,092 |
| Assets per employee ($millions) | 5.0276% | 2,130 |
| Cash dividends to net income (ytd only)* | 2.5376% | 3,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7490% | 6,373 |
| Loan loss allowance to noncurrent loans | 1,516.6667% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 6,377 |
| Noncurrent loans to loans | 0.0494% | 6,199 |
| Net loans and leases to total assets | 67.1569% | 2,434 |
| Net loans and leases to deposits | 75.1054% | 3,076 |
| Net loans and leases to core deposits | 83.0055% | 2,761 |
| Total domestic deposits to total assets | 89.4168% | 1,345 |
| Equity capital to assets | 10.1870% | 3,659 |
| Core capital (leverage) ratio | 10.6047% | 2,887 |
| Tier 1 risk-based capital ratio | 14.9732% | 3,767 |
| Total risk-based capital ratio | 15.7186% | 4,048 |
| Memoranda: | ||
| Average total assets | $231,429,750 | 2,716 |
| Average earning assets | $213,381,000 | 2,702 |
| Average equity | $25,106,500 | 2,644 |
| Average total loans | $158,412,750 | 2,458 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9539% | 990 |
| Cost of funding earning assets | 0.9245% | 797 |
| Net interest margin | 4.0294% | 1,761 |
| Noninterest income to average assets | 0.8257% | 2,084 |
| Noninterest expense to average assets | 3.0474% | 2,846 |
| Loan and lease loss provision to assets | 0.1139% | 2,915 |
| Net operating income to assets | 0.8942% | 2,830 |
| Return on assets (ROA) | 0.8942% | 2,976 |
| Pretax return on assets | 1.3756% | 2,017 |
| Return on Equity (ROE) | 8.0596% | 3,062 |
| Retained earnings to average equity (ytd only) | 7.9393% | 1,513 |
| Net charge-offs to loans | 0.0026% | 4,875 |
| Credit loss provision to net charge-offs | 6,400.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 837.0000% | 39 |
| Efficiency ratio | 67.0916% | 4,342 |
| Assets per employee ($millions) | 4.6608% | 2,572 |
| Cash dividends to net income (ytd only)* | 1.4925% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7463% | 6,437 |
| Loan loss allowance to noncurrent loans | 1,383.9080% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 6,407 |
| Noncurrent loans to loans | 0.0539% | 6,228 |
| Net loans and leases to total assets | 67.3597% | 2,357 |
| Net loans and leases to deposits | 75.5959% | 2,939 |
| Net loans and leases to core deposits | 84.0967% | 2,552 |
| Total domestic deposits to total assets | 89.1049% | 1,567 |
| Equity capital to assets | 10.5241% | 3,265 |
| Core capital (leverage) ratio | 10.9538% | 2,404 |
| Tier 1 risk-based capital ratio | 15.1089% | 3,702 |
| Total risk-based capital ratio | 15.8316% | 4,011 |
| Memoranda: | ||
| Average total assets | $224,779,670 | 2,792 |
| Average earning assets | $207,028,330 | 2,784 |
| Average equity | $24,939,330 | 2,667 |
| Average total loans | $154,519,330 | 2,512 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9099% | 1,052 |
| Cost of funding earning assets | 0.9135% | 926 |
| Net interest margin | 3.9964% | 1,803 |
| Noninterest income to average assets | 1.1543% | 1,128 |
| Noninterest expense to average assets | 3.1330% | 2,566 |
| Loan and lease loss provision to assets | 0.0513% | 3,765 |
| Net operating income to assets | 1.0718% | 1,962 |
| Return on assets (ROA) | 1.0718% | 2,070 |
| Pretax return on assets | 1.6490% | 1,196 |
| Return on Equity (ROE) | 9.3972% | 2,320 |
| Retained earnings to average equity (ytd only) | 9.2687% | 1,296 |
| Net charge-offs to loans | 0.0053% | 4,058 |
| Credit loss provision to net charge-offs | 1,400.0000% | 233 |
| Earnings coverage of net charge-offs (x) | 464.0000% | 71 |
| Efficiency ratio | 64.7460% | 4,875 |
| Assets per employee ($millions) | 4.9351% | 2,304 |
| Cash dividends to net income (ytd only)* | 1.3675% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7130% | 6,576 |
| Loan loss allowance to noncurrent loans | 1,174.4681% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 6,312 |
| Noncurrent loans to loans | 0.0607% | 6,295 |
| Net loans and leases to total assets | 69.2234% | 1,796 |
| Net loans and leases to deposits | 78.4513% | 2,281 |
| Net loans and leases to core deposits | 85.8223% | 2,122 |
| Total domestic deposits to total assets | 88.2375% | 2,172 |
| Equity capital to assets | 11.3298% | 2,603 |
| Core capital (leverage) ratio | 11.6267% | 1,802 |
| Tier 1 risk-based capital ratio | 16.0981% | 3,211 |
| Total risk-based capital ratio | 16.8161% | 3,453 |
| Memoranda: | ||
| Average total assets | $218,318,000 | 2,893 |
| Average earning assets | $200,980,500 | 2,892 |
| Average equity | $24,901,000 | 2,714 |
| Average total loans | $151,119,000 | 2,570 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1003% | 1,316 |
| Cost of funding earning assets | 0.9583% | 1,595 |
| Net interest margin | 4.1420% | 1,852 |
| Noninterest income to average assets | 0.8355% | 2,101 |
| Noninterest expense to average assets | 3.3648% | 2,141 |
| Loan and lease loss provision to assets | 0.1715% | 3,475 |
| Net operating income to assets | 0.7617% | 3,457 |
| Return on assets (ROA) | 0.7617% | 3,701 |
| Pretax return on assets | 1.1618% | 2,943 |
| Return on Equity (ROE) | 5.9479% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.8074% | 2,190 |
| Net charge-offs to loans | 0.0009% | 5,979 |
| Credit loss provision to net charge-offs | 28,600.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 2,223.0000% | 13 |
| Efficiency ratio | 71.5945% | 3,499 |
| Assets per employee ($millions) | 4.5651% | 2,853 |
| Cash dividends to net income (ytd only)* | 2.3622% | 4,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7306% | 6,599 |
| Loan loss allowance to noncurrent loans | 1,223.8636% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 6,344 |
| Noncurrent loans to loans | 0.0597% | 6,339 |
| Net loans and leases to total assets | 68.1993% | 2,153 |
| Net loans and leases to deposits | 77.2545% | 2,619 |
| Net loans and leases to core deposits | 83.8195% | 2,569 |
| Total domestic deposits to total assets | 88.2787% | 2,042 |
| Equity capital to assets | 11.4845% | 2,463 |
| Core capital (leverage) ratio | 12.1865% | 1,458 |
| Tier 1 risk-based capital ratio | 16.3611% | 2,956 |
| Total risk-based capital ratio | 17.0992% | 3,197 |
| Memoranda: | ||
| Average total assets | $166,725,800 | 3,506 |
| Average earning assets | $155,481,800 | 3,459 |
| Average equity | $21,352,000 | 3,060 |
| Average total loans | $117,218,400 | 3,140 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0067% | 1,683 |
| Cost of funding earning assets | 0.9673% | 1,750 |
| Net interest margin | 4.0393% | 2,342 |
| Noninterest income to average assets | 0.9735% | 1,590 |
| Noninterest expense to average assets | 3.2392% | 2,452 |
| Loan and lease loss provision to assets | 0.1732% | 3,401 |
| Net operating income to assets | 0.8865% | 3,051 |
| Return on assets (ROA) | 0.8865% | 3,288 |
| Pretax return on assets | 1.3491% | 2,414 |
| Return on Equity (ROE) | 6.6828% | 3,970 |
| Retained earnings to average equity (ytd only) | 6.5334% | 2,365 |
| Net charge-offs to loans | 0.0012% | 5,762 |
| Credit loss provision to net charge-offs | 20,100.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 1,771.3835% | 18 |
| Efficiency ratio | 68.0297% | 4,058 |
| Assets per employee ($millions) | 4.3108% | 3,247 |
| Cash dividends to net income (ytd only)* | 2.2355% | 3,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7136% | 6,737 |
| Loan loss allowance to noncurrent loans | 973.5294% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.1208% | 6,417 |
| Noncurrent loans to loans | 0.0733% | 6,435 |
| Net loans and leases to total assets | 74.5375% | 1,166 |
| Net loans and leases to deposits | 86.2825% | 1,569 |
| Net loans and leases to core deposits | 92.3174% | 1,750 |
| Total domestic deposits to total assets | 86.3878% | 3,045 |
| Equity capital to assets | 13.2184% | 1,488 |
| Core capital (leverage) ratio | 14.7982% | 647 |
| Tier 1 risk-based capital ratio | 17.2706% | 2,618 |
| Total risk-based capital ratio | 17.9921% | 2,839 |
| Memoranda: | ||
| Average total assets | $154,767,750 | 3,740 |
| Average earning assets | $145,135,500 | 3,673 |
| Average equity | $20,529,750 | 3,167 |
| Average total loans | $109,672,000 | 3,330 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0690% | 1,598 |
| Cost of funding earning assets | 1.0029% | 1,746 |
| Net interest margin | 4.0661% | 2,228 |
| Noninterest income to average assets | 0.9629% | 1,569 |
| Noninterest expense to average assets | 3.1058% | 2,909 |
| Loan and lease loss provision to assets | 0.1231% | 3,986 |
| Net operating income to assets | 1.0293% | 2,340 |
| Return on assets (ROA) | 1.0293% | 2,563 |
| Pretax return on assets | 1.5591% | 1,672 |
| Return on Equity (ROE) | 7.7477% | 3,374 |
| Retained earnings to average equity (ytd only) | 7.5915% | 1,820 |
| Net charge-offs to loans | 0.0020% | 5,489 |
| Credit loss provision to net charge-offs | 8,900.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 1,216.0000% | 23 |
| Efficiency ratio | 64.8656% | 4,741 |
| Assets per employee ($millions) | 6.3866% | 1,018 |
| Cash dividends to net income (ytd only)* | 2.0161% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7846% | 6,707 |
| Loan loss allowance to noncurrent loans | 5,506.2500% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 6,817 |
| Noncurrent loans to loans | 0.0142% | 6,659 |
| Net loans and leases to total assets | 69.7761% | 1,959 |
| Net loans and leases to deposits | 81.3833% | 2,187 |
| Net loans and leases to core deposits | 85.7196% | 2,465 |
| Total domestic deposits to total assets | 85.7376% | 3,494 |
| Equity capital to assets | 13.8521% | 1,164 |
| Core capital (leverage) ratio | 14.5961% | 678 |
| Tier 1 risk-based capital ratio | 20.0382% | 1,696 |
| Total risk-based capital ratio | 20.8440% | 1,790 |
| Memoranda: | ||
| Average total assets | $144,569,330 | 3,928 |
| Average earning assets | $136,002,670 | 3,847 |
| Average equity | $19,205,670 | 3,325 |
| Average total loans | $99,843,330 | 3,577 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1548% | 1,418 |
| Cost of funding earning assets | 1.0372% | 1,760 |
| Net interest margin | 4.1176% | 2,036 |
| Noninterest income to average assets | 1.1152% | 1,134 |
| Noninterest expense to average assets | 3.0623% | 3,046 |
| Loan and lease loss provision to assets | 0.0788% | 4,416 |
| Net operating income to assets | 1.1881% | 1,772 |
| Return on assets (ROA) | 1.1881% | 1,955 |
| Pretax return on assets | 1.8333% | 1,008 |
| Return on Equity (ROE) | 9.1718% | 2,748 |
| Retained earnings to average equity (ytd only) | 9.0141% | 1,592 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5610% | 5,357 |
| Assets per employee ($millions) | 6.0708% | 1,237 |
| Cash dividends to net income (ytd only)* | 1.7199% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8460% | 6,650 |
| Loan loss allowance to noncurrent loans | 3,904.7619% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 6,885 |
| Noncurrent loans to loans | 0.0217% | 6,726 |
| Net loans and leases to total assets | 65.9595% | 2,470 |
| Net loans and leases to deposits | 75.5616% | 2,874 |
| Net loans and leases to core deposits | 78.9678% | 3,190 |
| Total domestic deposits to total assets | 87.2924% | 2,774 |
| Equity capital to assets | 12.3171% | 1,840 |
| Core capital (leverage) ratio | 13.1230% | 1,080 |
| Tier 1 risk-based capital ratio | 18.4922% | 2,149 |
| Total risk-based capital ratio | 19.3445% | 2,224 |
| Memoranda: | ||
| Average total assets | $137,021,500 | 4,088 |
| Average earning assets | $128,424,500 | 4,015 |
| Average equity | $17,750,000 | 3,536 |
| Average total loans | $93,620,500 | 3,743 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4667% | 1,251 |
| Cost of funding earning assets | 1.1584% | 2,291 |
| Net interest margin | 4.3082% | 1,676 |
| Noninterest income to average assets | 0.4607% | 4,134 |
| Noninterest expense to average assets | 3.2963% | 2,534 |
| Loan and lease loss provision to assets | 0.2820% | 3,413 |
| Net operating income to assets | 0.5917% | 4,045 |
| Return on assets (ROA) | 0.6690% | 3,825 |
| Pretax return on assets | 1.0221% | 3,157 |
| Return on Equity (ROE) | 5.1056% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.0063% | 2,637 |
| Net charge-offs to loans | 0.1188% | 5,195 |
| Credit loss provision to net charge-offs | 361.1111% | 640 |
| Earnings coverage of net charge-offs (x) | 15.1778% | 1,410 |
| Efficiency ratio | 73.5528% | 3,301 |
| Assets per employee ($millions) | 6.1116% | 1,155 |
| Cash dividends to net income (ytd only)* | 1.9455% | 4,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 6,587 |
| Loan loss allowance to noncurrent loans | 203.5990% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 6,214 |
| Noncurrent loans to loans | 0.4307% | 5,849 |
| Net loans and leases to total assets | 69.7553% | 2,082 |
| Net loans and leases to deposits | 81.0256% | 2,356 |
| Net loans and leases to core deposits | 83.9311% | 2,903 |
| Total domestic deposits to total assets | 86.0904% | 3,267 |
| Equity capital to assets | 13.6774% | 1,184 |
| Core capital (leverage) ratio | 13.7255% | 891 |
| Tier 1 risk-based capital ratio | 19.3981% | 1,796 |
| Total risk-based capital ratio | 20.2819% | 1,840 |
| Memoranda: | ||
| Average total assets | $115,249,400 | 4,518 |
| Average earning assets | $107,561,200 | 4,459 |
| Average equity | $15,101,000 | 3,886 |
| Average total loans | $75,777,600 | 4,284 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3937% | 1,532 |
| Cost of funding earning assets | 1.1858% | 2,411 |
| Net interest margin | 4.2078% | 2,066 |
| Noninterest income to average assets | 0.4287% | 4,449 |
| Noninterest expense to average assets | 3.3090% | 2,468 |
| Loan and lease loss provision to assets | 0.3179% | 2,992 |
| Net operating income to assets | 0.4896% | 4,583 |
| Return on assets (ROA) | 0.5989% | 4,271 |
| Pretax return on assets | 0.8942% | 3,788 |
| Return on Equity (ROE) | 4.6291% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.5554% | 3,475 |
| Net charge-offs to loans | 0.1700% | 4,434 |
| Credit loss provision to net charge-offs | 290.2174% | 988 |
| Earnings coverage of net charge-offs (x) | 9.5764% | 2,030 |
| Efficiency ratio | 75.9290% | 2,852 |
| Assets per employee ($millions) | 5.6362% | 1,476 |
| Cash dividends to net income (ytd only)* | 1.5910% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8396% | 6,744 |
| Loan loss allowance to noncurrent loans | 270.1107% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 6,515 |
| Noncurrent loans to loans | 0.3108% | 6,225 |
| Net loans and leases to total assets | 69.7256% | 2,134 |
| Net loans and leases to deposits | 81.4173% | 2,464 |
| Net loans and leases to core deposits | 84.7360% | 2,949 |
| Total domestic deposits to total assets | 85.6399% | 3,425 |
| Equity capital to assets | 13.9803% | 1,161 |
| Core capital (leverage) ratio | 14.3433% | 806 |
| Tier 1 risk-based capital ratio | 20.5465% | 1,549 |
| Total risk-based capital ratio | 21.4253% | 1,613 |
| Memoranda: | ||
| Average total assets | $111,976,000 | 4,619 |
| Average earning assets | $104,564,000 | 4,560 |
| Average equity | $14,487,750 | 4,036 |
| Average total loans | $72,142,500 | 4,449 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4469% | 1,420 |
| Cost of funding earning assets | 1.2354% | 2,350 |
| Net interest margin | 4.2115% | 1,989 |
| Noninterest income to average assets | 0.3427% | 5,137 |
| Noninterest expense to average assets | 3.4491% | 2,119 |
| Loan and lease loss provision to assets | 0.2612% | 3,309 |
| Net operating income to assets | 0.4372% | 4,783 |
| Return on assets (ROA) | 0.4372% | 4,919 |
| Pretax return on assets | 0.5539% | 4,898 |
| Return on Equity (ROE) | 3.4863% | 5,174 |
| Retained earnings to average equity (ytd only) | 3.4863% | 4,032 |
| Net charge-offs to loans | 0.2443% | 3,659 |
| Credit loss provision to net charge-offs | 171.9512% | 1,760 |
| Earnings coverage of net charge-offs (x) | 5.3659% | 2,630 |
| Efficiency ratio | 80.8862% | 2,254 |
| Assets per employee ($millions) | 5.5634% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8546% | 6,760 |
| Loan loss allowance to noncurrent loans | 1,432.5581% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 7,003 |
| Noncurrent loans to loans | 0.0597% | 6,836 |
| Net loans and leases to total assets | 61.1661% | 4,057 |
| Net loans and leases to deposits | 71.8945% | 4,129 |
| Net loans and leases to core deposits | 74.0790% | 4,575 |
| Total domestic deposits to total assets | 85.0776% | 3,843 |
| Equity capital to assets | 14.5467% | 925 |
| Core capital (leverage) ratio | 15.6323% | 552 |
| Tier 1 risk-based capital ratio | 23.7303% | 1,030 |
| Total risk-based capital ratio | 24.5981% | 1,061 |
| Memoranda: | ||
| Average total assets | $107,969,330 | 4,758 |
| Average earning assets | $100,534,330 | 4,696 |
| Average equity | $13,538,670 | 4,214 |
| Average total loans | $67,127,000 | 4,675 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5188% | 1,246 |
| Cost of funding earning assets | 1.3205% | 2,062 |
| Net interest margin | 4.1983% | 1,894 |
| Noninterest income to average assets | 0.3631% | 5,008 |
| Noninterest expense to average assets | 3.5851% | 1,803 |
| Loan and lease loss provision to assets | 0.1816% | 3,804 |
| Net operating income to assets | 0.4868% | 4,541 |
| Return on assets (ROA) | 0.4868% | 4,624 |
| Pretax return on assets | 0.5022% | 5,021 |
| Return on Equity (ROE) | 4.2674% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.2674% | 3,608 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9819% | 1,958 |
| Assets per employee ($millions) | 5.0660% | 2,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 6,720 |
| Loan loss allowance to noncurrent loans | 153.2995% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.4399% | 6,111 |
| Noncurrent loans to loans | 0.5813% | 5,865 |
| Net loans and leases to total assets | 63.1440% | 3,618 |
| Net loans and leases to deposits | 71.5197% | 4,132 |
| Net loans and leases to core deposits | 73.8217% | 4,549 |
| Total domestic deposits to total assets | 88.2890% | 2,197 |
| Equity capital to assets | 11.3529% | 2,377 |
| Core capital (leverage) ratio | 11.6341% | 1,780 |
| Tier 1 risk-based capital ratio | 18.1489% | 2,068 |
| Total risk-based capital ratio | 19.0535% | 2,146 |
| Memoranda: | ||
| Average total assets | $103,538,500 | 4,903 |
| Average earning assets | $96,325,000 | 4,843 |
| Average equity | $11,810,500 | 4,599 |
| Average total loans | $64,652,000 | 4,816 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7632% | 1,369 |
| Cost of funding earning assets | 1.5462% | 2,368 |
| Net interest margin | 4.2169% | 2,117 |
| Noninterest income to average assets | 0.2896% | 5,717 |
| Noninterest expense to average assets | 3.5527% | 2,050 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4180% | 4,471 |
| Return on assets (ROA) | 0.4180% | 4,599 |
| Pretax return on assets | 0.6428% | 4,190 |
| Return on Equity (ROE) | 3.2177% | 4,856 |
| Retained earnings to average equity (ytd only) | 3.2177% | 3,613 |
| Net charge-offs to loans | 0.0274% | 6,531 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 35.3750% | 645 |
| Efficiency ratio | 84.6779% | 1,838 |
| Assets per employee ($millions) | 5.5939% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9070% | 6,707 |
| Loan loss allowance to noncurrent loans | 141.6244% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7935% | 5,422 |
| Noncurrent loans to loans | 0.6404% | 5,772 |
| Net loans and leases to total assets | 60.5472% | 4,574 |
| Net loans and leases to deposits | 68.6465% | 5,016 |
| Net loans and leases to core deposits | 70.9828% | 5,333 |
| Total domestic deposits to total assets | 88.2014% | 2,120 |
| Equity capital to assets | 11.4639% | 2,290 |
| Core capital (leverage) ratio | 11.6771% | 1,738 |
| Tier 1 risk-based capital ratio | 19.2810% | 1,642 |
| Total risk-based capital ratio | 20.2097% | 1,698 |
| Memoranda: | ||
| Average total assets | $88,046,000 | 5,347 |
| Average earning assets | $81,552,200 | 5,290 |
| Average equity | $11,436,800 | 4,751 |
| Average total loans | $58,347,800 | 5,139 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8426% | 1,277 |
| Cost of funding earning assets | 1.5862% | 2,465 |
| Net interest margin | 4.2564% | 2,008 |
| Noninterest income to average assets | 0.2419% | 6,160 |
| Noninterest expense to average assets | 3.6268% | 1,725 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3613% | 4,925 |
| Return on assets (ROA) | 0.3613% | 5,105 |
| Pretax return on assets | 0.5560% | 4,739 |
| Return on Equity (ROE) | 2.6876% | 5,356 |
| Retained earnings to average equity (ytd only) | 2.6876% | 4,545 |
| Net charge-offs to loans | 0.0116% | 6,507 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 70.7631% | 425 |
| Efficiency ratio | 86.7067% | 1,557 |
| Assets per employee ($millions) | 5.2992% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9293% | 6,646 |
| Loan loss allowance to noncurrent loans | 79.9157% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.8324% | 5,433 |
| Noncurrent loans to loans | 1.1629% | 4,922 |
| Net loans and leases to total assets | 63.5911% | 4,204 |
| Net loans and leases to deposits | 72.7232% | 4,733 |
| Net loans and leases to core deposits | 75.1468% | 5,163 |
| Total domestic deposits to total assets | 87.4426% | 2,294 |
| Equity capital to assets | 12.1401% | 2,065 |
| Core capital (leverage) ratio | 12.3309% | 1,487 |
| Tier 1 risk-based capital ratio | 19.2713% | 1,690 |
| Total risk-based capital ratio | 20.2298% | 1,717 |
| Memoranda: | ||
| Average total assets | $84,885,000 | 5,507 |
| Average earning assets | $78,592,750 | 5,459 |
| Average equity | $11,410,250 | 4,836 |
| Average total loans | $57,554,000 | 5,250 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9430% | 1,068 |
| Cost of funding earning assets | 1.6247% | 2,515 |
| Net interest margin | 4.3183% | 1,711 |
| Noninterest income to average assets | 0.2064% | 6,434 |
| Noninterest expense to average assets | 3.7673% | 1,422 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2802% | 5,260 |
| Return on assets (ROA) | 0.2802% | 5,410 |
| Pretax return on assets | 0.4301% | 5,121 |
| Return on Equity (ROE) | 2.0082% | 5,631 |
| Retained earnings to average equity (ytd only) | 2.0082% | 4,857 |
| Net charge-offs to loans | 0.0178% | 6,093 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 814 |
| Efficiency ratio | 89.7541% | 1,354 |
| Assets per employee ($millions) | 4.9400% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 6,531 |
| Loan loss allowance to noncurrent loans | 176.1610% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.4555% | 6,311 |
| Noncurrent loans to loans | 0.5494% | 6,153 |
| Net loans and leases to total assets | 65.4825% | 3,941 |
| Net loans and leases to deposits | 75.4969% | 4,423 |
| Net loans and leases to core deposits | 78.0021% | 4,948 |
| Total domestic deposits to total assets | 86.7353% | 2,687 |
| Equity capital to assets | 12.8925% | 1,611 |
| Core capital (leverage) ratio | 13.1516% | 1,159 |
| Tier 1 risk-based capital ratio | 19.5665% | 1,588 |
| Total risk-based capital ratio | 20.5524% | 1,615 |
| Memoranda: | ||
| Average total assets | $81,384,670 | 5,652 |
| Average earning assets | $75,215,000 | 5,598 |
| Average equity | $11,353,670 | 4,842 |
| Average total loans | $56,330,000 | 5,340 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0276% | 924 |
| Cost of funding earning assets | 1.6581% | 2,609 |
| Net interest margin | 4.3694% | 1,478 |
| Noninterest income to average assets | 0.1649% | 6,787 |
| Noninterest expense to average assets | 3.8909% | 1,183 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1907% | 5,717 |
| Return on assets (ROA) | 0.1907% | 5,840 |
| Pretax return on assets | 0.2938% | 5,620 |
| Return on Equity (ROE) | 1.3099% | 6,026 |
| Retained earnings to average equity (ytd only) | 1.3099% | 5,287 |
| Net charge-offs to loans | 0.0218% | 5,273 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,216 |
| Efficiency ratio | 92.9803% | 1,202 |
| Assets per employee ($millions) | 4.5973% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 6,407 |
| Loan loss allowance to noncurrent loans | 99.8252% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.8036% | 5,551 |
| Noncurrent loans to loans | 1.0126% | 5,299 |
| Net loans and leases to total assets | 67.5742% | 3,491 |
| Net loans and leases to deposits | 78.6042% | 3,923 |
| Net loans and leases to core deposits | 81.7924% | 4,522 |
| Total domestic deposits to total assets | 85.9677% | 3,169 |
| Equity capital to assets | 13.6831% | 1,250 |
| Core capital (leverage) ratio | 14.4291% | 870 |
| Tier 1 risk-based capital ratio | 19.7145% | 1,580 |
| Total risk-based capital ratio | 20.7207% | 1,600 |
| Memoranda: | ||
| Average total assets | $77,617,000 | 5,832 |
| Average earning assets | $71,405,000 | 5,804 |
| Average equity | $11,298,500 | 4,897 |
| Average total loans | $55,097,000 | 5,453 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5507% | 604 |
| Cost of funding earning assets | 1.9167% | 3,372 |
| Net interest margin | 4.6340% | 926 |
| Noninterest income to average assets | 0.2916% | 6,027 |
| Noninterest expense to average assets | 3.9576% | 1,425 |
| Loan and lease loss provision to assets | 0.0207% | 7,295 |
| Net operating income to assets | 1.0336% | 1,728 |
| Return on assets (ROA) | 1.0336% | 1,771 |
| Pretax return on assets | 0.5762% | 3,969 |
| Return on Equity (ROE) | 7.6224% | 2,534 |
| Retained earnings to average equity (ytd only) | 7.6224% | 799 |
| Net charge-offs to loans | 0.0659% | 6,452 |
| Credit loss provision to net charge-offs | 41.6667% | 6,816 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,543 |
| Efficiency ratio | 86.8932% | 2,009 |
| Assets per employee ($millions) | 4.0268% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 6,048 |
| Loan loss allowance to noncurrent loans | 2,495.6522% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.7036% | 5,701 |
| Noncurrent loans to loans | 0.0428% | 7,325 |
| Net loans and leases to total assets | 73.3010% | 2,426 |
| Net loans and leases to deposits | 87.1598% | 2,706 |
| Net loans and leases to core deposits | 101.2444% | 3,877 |
| Total domestic deposits to total assets | 84.0995% | 3,986 |
| Equity capital to assets | 15.5542% | 774 |
| Core capital (leverage) ratio | 14.6588% | 851 |
| Tier 1 risk-based capital ratio | 20.2226% | 1,423 |
| Total risk-based capital ratio | 21.2718% | 1,423 |
| Memoranda: | ||
| Average total assets | $72,367,800 | 5,933 |
| Average earning assets | $66,573,000 | 5,912 |
| Average equity | $9,813,200 | 5,350 |
| Average total loans | $54,610,600 | 5,481 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4678% | 805 |
| Cost of funding earning assets | 1.9806% | 3,467 |
| Net interest margin | 4.4872% | 1,225 |
| Noninterest income to average assets | 0.2838% | 6,201 |
| Noninterest expense to average assets | 3.8337% | 1,531 |
| Loan and lease loss provision to assets | 0.0276% | 7,073 |
| Net operating income to assets | 1.2404% | 1,373 |
| Return on assets (ROA) | 1.2404% | 1,438 |
| Pretax return on assets | 0.5566% | 4,343 |
| Return on Equity (ROE) | 9.4974% | 2,098 |
| Retained earnings to average equity (ytd only) | 9.4974% | 733 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7751% | 1,982 |
| Assets per employee ($millions) | 4.2870% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 6,022 |
| Loan loss allowance to noncurrent loans | 135.9375% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.7011% | 5,731 |
| Noncurrent loans to loans | 0.7705% | 5,758 |
| Net loans and leases to total assets | 74.5639% | 2,356 |
| Net loans and leases to deposits | 87.6569% | 3,031 |
| Net loans and leases to core deposits | 104.6831% | 3,856 |
| Total domestic deposits to total assets | 85.0634% | 3,201 |
| Equity capital to assets | 14.5401% | 1,133 |
| Core capital (leverage) ratio | 14.5874% | 939 |
| Tier 1 risk-based capital ratio | 18.5635% | 1,847 |
| Total risk-based capital ratio | 19.5973% | 1,849 |
| Memoranda: | ||
| Average total assets | $72,339,250 | 5,972 |
| Average earning assets | $66,646,500 | 5,952 |
| Average equity | $9,448,000 | 5,505 |
| Average total loans | $54,837,250 | 5,525 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6592% | 586 |
| Cost of funding earning assets | 2.1019% | 3,257 |
| Net interest margin | 4.5573% | 1,042 |
| Noninterest income to average assets | 0.1442% | 7,228 |
| Noninterest expense to average assets | 3.8145% | 1,632 |
| Loan and lease loss provision to assets | 0.0424% | 6,809 |
| Net operating income to assets | 1.6570% | 611 |
| Return on assets (ROA) | 1.6570% | 669 |
| Pretax return on assets | 0.4807% | 4,683 |
| Return on Equity (ROE) | 13.2320% | 1,139 |
| Retained earnings to average equity (ytd only) | 13.2320% | 305 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9400% | 2,022 |
| Assets per employee ($millions) | 3.9099% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 5,914 |
| Loan loss allowance to noncurrent loans | 135.9375% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.7417% | 5,555 |
| Noncurrent loans to loans | 0.7720% | 5,687 |
| Net loans and leases to total assets | 77.2981% | 1,895 |
| Net loans and leases to deposits | 93.0320% | 2,265 |
| Net loans and leases to core deposits | 122.9926% | 2,112 |
| Total domestic deposits to total assets | 83.0877% | 4,197 |
| Equity capital to assets | 14.9026% | 1,055 |
| Core capital (leverage) ratio | 14.9904% | 924 |
| Tier 1 risk-based capital ratio | 18.0829% | 1,993 |
| Total risk-based capital ratio | 19.1059% | 1,999 |
| Memoranda: | ||
| Average total assets | $70,730,330 | 6,062 |
| Average earning assets | $65,083,000 | 6,044 |
| Average equity | $8,857,330 | 5,735 |
| Average total loans | $53,734,000 | 5,604 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4227% | 1,015 |
| Cost of funding earning assets | 2.2668% | 2,851 |
| Net interest margin | 4.1559% | 2,069 |
| Noninterest income to average assets | 0.3017% | 6,027 |
| Noninterest expense to average assets | 3.6954% | 1,667 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4351% | 4,723 |
| Return on assets (ROA) | 0.4351% | 4,896 |
| Pretax return on assets | 0.4351% | 5,292 |
| Return on Equity (ROE) | 3.8707% | 4,991 |
| Retained earnings to average equity (ytd only) | 3.8707% | 3,736 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4663% | 1,767 |
| Assets per employee ($millions) | 4.5959% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 5,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 7,124 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 75.8696% | 2,296 |
| Net loans and leases to deposits | 86.0501% | 3,620 |
| Net loans and leases to core deposits | 109.7857% | 3,462 |
| Total domestic deposits to total assets | 88.1691% | 1,667 |
| Equity capital to assets | 11.2652% | 2,753 |
| Core capital (leverage) ratio | 11.1013% | 2,427 |
| Tier 1 risk-based capital ratio | 13.7885% | 3,702 |
| Total risk-based capital ratio | 14.8591% | 3,714 |
| Memoranda: | ||
| Average total assets | $68,951,000 | 6,144 |
| Average earning assets | $63,524,500 | 6,124 |
| Average equity | $7,750,500 | 6,142 |
| Average total loans | $51,584,500 | 5,734 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6592% | 2,207 |
| Cost of funding earning assets | 2.6523% | 3,412 |
| Net interest margin | 4.0068% | 3,079 |
| Noninterest income to average assets | 0.4025% | 5,451 |
| Noninterest expense to average assets | 4.7193% | 754 |
| Loan and lease loss provision to assets | 0.8638% | 1,728 |
| Net operating income to assets | -1.5083% | 7,468 |
| Return on assets (ROA) | -1.5083% | 7,411 |
| Pretax return on assets | -1.5083% | 7,256 |
| Return on Equity (ROE) | -8.4247% | 7,150 |
| Retained earnings to average equity (ytd only) | -8.4247% | 6,915 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.8158% | 616 |
| Assets per employee ($millions) | 4.5976% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 4,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 6,975 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 72.0347% | 3,574 |
| Net loans and leases to deposits | 83.7698% | 4,456 |
| Net loans and leases to core deposits | 108.7617% | 3,886 |
| Total domestic deposits to total assets | 85.9912% | 2,408 |
| Equity capital to assets | 11.2160% | 2,871 |
| Core capital (leverage) ratio | 11.8973% | 2,026 |
| Tier 1 risk-based capital ratio | 15.8354% | 2,731 |
| Total risk-based capital ratio | 17.0797% | 2,672 |
| Memoranda: | ||
| Average total assets | $44,222,200 | 7,018 |
| Average earning assets | $40,530,600 | 7,023 |
| Average equity | $7,917,200 | 6,119 |
| Average total loans | $33,251,200 | 6,526 |