Home > Pioneer Bank & Trust > Performance and Condition Ratios
Pioneer Bank & Trust, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9930% | 3,130 |
| Cost of funding earning assets | 1.5256% | 3,143 |
| Net interest margin | 3.4674% | 2,392 |
| Noninterest income to average assets | 0.5500% | 1,525 |
| Noninterest expense to average assets | 2.1216% | 3,304 |
| Loan and lease loss provision to assets | 0.0400% | 2,137 |
| Net operating income to assets | 1.2468% | 1,605 |
| Return on assets (ROA) | 1.1889% | 1,766 |
| Pretax return on assets | 1.5642% | 1,376 |
| Return on Equity (ROE) | 13.6800% | 1,343 |
| Retained earnings to average equity (ytd only) | 8.4970% | 1,558 |
| Net charge-offs to loans | 0.0039% | 2,131 |
| Credit loss provision to net charge-offs | 1,960.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 801.6000% | 129 |
| Efficiency ratio | 55.8298% | 3,435 |
| Assets per employee ($millions) | 7.9787% | 1,584 |
| Cash dividends to net income (ytd only)* | 37.8654% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 2,875 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 54.4200% | 3,314 |
| Net loans and leases to deposits | 62.8390% | 3,332 |
| Net loans and leases to core deposits | 68.9508% | 3,342 |
| Total domestic deposits to total assets | 86.6100% | 2,085 |
| Equity capital to assets | 8.9587% | 2,965 |
| Core capital (leverage) ratio | 10.9285% | 2,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2529% | 845 |
| Memoranda: | ||
| Average total assets | $955,139,000 | 1,080 |
| Average earning assets | $894,845,000 | 1,061 |
| Average equity | $83,041,000 | 1,203 |
| Average total loans | $515,276,500 | 1,288 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7145% | 3,571 |
| Cost of funding earning assets | 1.9075% | 2,444 |
| Net interest margin | 2.8070% | 3,472 |
| Noninterest income to average assets | 0.7600% | 1,011 |
| Noninterest expense to average assets | 2.0008% | 3,607 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 1.0374% | 1,937 |
| Return on assets (ROA) | 1.0387% | 1,932 |
| Pretax return on assets | 1.3370% | 1,662 |
| Return on Equity (ROE) | 13.7300% | 1,186 |
| Retained earnings to average equity (ytd only) | 7.0948% | 1,399 |
| Net charge-offs to loans | 0.0076% | 2,638 |
| Credit loss provision to net charge-offs | 1,440.5405% | 306 |
| Earnings coverage of net charge-offs (x) | 376.2432% | 325 |
| Efficiency ratio | 59.0330% | 3,270 |
| Assets per employee ($millions) | 7.8101% | 1,648 |
| Cash dividends to net income (ytd only)* | 48.3292% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 2,691 |
| Loan loss allowance to noncurrent loans | 138,525.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 3,810 |
| Noncurrent loans to loans | 0.0008% | 3,780 |
| Net loans and leases to total assets | 52.3000% | 3,508 |
| Net loans and leases to deposits | 57.7026% | 3,632 |
| Net loans and leases to core deposits | 62.6715% | 3,661 |
| Total domestic deposits to total assets | 90.6300% | 626 |
| Equity capital to assets | 8.4283% | 3,262 |
| Core capital (leverage) ratio | 10.3525% | 2,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1900% | 865 |
| Memoranda: | ||
| Average total assets | $1,002,585,000 | 1,006 |
| Average earning assets | $940,872,200 | 990 |
| Average equity | $75,843,800 | 1,254 |
| Average total loans | $485,769,200 | 1,330 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6077% | 3,685 |
| Cost of funding earning assets | 1.9676% | 2,292 |
| Net interest margin | 2.6401% | 3,700 |
| Noninterest income to average assets | 0.7300% | 1,048 |
| Noninterest expense to average assets | 1.8278% | 3,884 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 1.0423% | 1,928 |
| Return on assets (ROA) | 1.0463% | 1,924 |
| Pretax return on assets | 1.2914% | 1,787 |
| Return on Equity (ROE) | 14.2100% | 1,101 |
| Retained earnings to average equity (ytd only) | 10.9871% | 651 |
| Net charge-offs to loans | 0.0105% | 2,253 |
| Credit loss provision to net charge-offs | 1,810.5263% | 258 |
| Earnings coverage of net charge-offs (x) | 275.8421% | 414 |
| Efficiency ratio | 57.0357% | 3,457 |
| Assets per employee ($millions) | 7.7664% | 1,653 |
| Cash dividends to net income (ytd only)* | 22.6868% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 2,566 |
| Loan loss allowance to noncurrent loans | 2,141.3534% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 3,570 |
| Noncurrent loans to loans | 0.0530% | 3,437 |
| Net loans and leases to total assets | 49.5300% | 3,656 |
| Net loans and leases to deposits | 60.7686% | 3,550 |
| Net loans and leases to core deposits | 66.6826% | 3,539 |
| Total domestic deposits to total assets | 81.5000% | 3,200 |
| Equity capital to assets | 8.4727% | 3,418 |
| Core capital (leverage) ratio | 10.2669% | 2,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1080% | 908 |
| Memoranda: | ||
| Average total assets | $1,015,023,500 | 993 |
| Average earning assets | $952,003,250 | 976 |
| Average equity | $74,728,000 | 1,261 |
| Average total loans | $481,254,500 | 1,330 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4922% | 3,791 |
| Cost of funding earning assets | 1.9608% | 2,222 |
| Net interest margin | 2.5314% | 3,836 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 1.8079% | 3,926 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 1.0345% | 1,890 |
| Return on assets (ROA) | 1.0345% | 1,894 |
| Pretax return on assets | 1.2676% | 1,777 |
| Return on Equity (ROE) | 14.7800% | 1,013 |
| Retained earnings to average equity (ytd only) | 11.5248% | 601 |
| Net charge-offs to loans | 0.0084% | 2,096 |
| Credit loss provision to net charge-offs | 1,750.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 340.5500% | 349 |
| Efficiency ratio | 57.5003% | 3,438 |
| Assets per employee ($millions) | 7.7468% | 1,591 |
| Cash dividends to net income (ytd only)* | 22.0368% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 2,865 |
| Loan loss allowance to noncurrent loans | 19,907.4074% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 3,805 |
| Noncurrent loans to loans | 0.0055% | 3,748 |
| Net loans and leases to total assets | 48.9800% | 3,694 |
| Net loans and leases to deposits | 59.5875% | 3,588 |
| Net loans and leases to core deposits | 66.3768% | 3,530 |
| Total domestic deposits to total assets | 82.1900% | 3,047 |
| Equity capital to assets | 7.3740% | 3,789 |
| Core capital (leverage) ratio | 10.0288% | 2,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7205% | 967 |
| Memoranda: | ||
| Average total assets | $1,019,407,333 | 987 |
| Average earning assets | $956,774,000 | 962 |
| Average equity | $71,342,000 | 1,294 |
| Average total loans | $474,369,667 | 1,351 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4047% | 3,831 |
| Cost of funding earning assets | 1.9179% | 2,209 |
| Net interest margin | 2.4869% | 3,882 |
| Noninterest income to average assets | 0.5500% | 1,555 |
| Noninterest expense to average assets | 1.8087% | 3,938 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.8358% | 2,431 |
| Return on assets (ROA) | 0.8358% | 2,443 |
| Pretax return on assets | 1.0445% | 2,269 |
| Return on Equity (ROE) | 12.2600% | 1,497 |
| Retained earnings to average equity (ytd only) | 9.3149% | 1,245 |
| Net charge-offs to loans | 0.0034% | 2,030 |
| Credit loss provision to net charge-offs | 2,050.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 692.5000% | 145 |
| Efficiency ratio | 62.6936% | 2,951 |
| Assets per employee ($millions) | 8.0609% | 1,414 |
| Cash dividends to net income (ytd only)* | 24.0353% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 2,914 |
| Loan loss allowance to noncurrent loans | 12,197.6190% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 3,820 |
| Noncurrent loans to loans | 0.0089% | 3,732 |
| Net loans and leases to total assets | 45.8100% | 3,816 |
| Net loans and leases to deposits | 55.2266% | 3,736 |
| Net loans and leases to core deposits | 61.6058% | 3,710 |
| Total domestic deposits to total assets | 82.9500% | 2,993 |
| Equity capital to assets | 6.8903% | 3,941 |
| Core capital (leverage) ratio | 9.5789% | 3,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8150% | 954 |
| Memoranda: | ||
| Average total assets | $1,029,441,000 | 982 |
| Average earning assets | $966,684,500 | 962 |
| Average equity | $70,167,500 | 1,301 |
| Average total loans | $464,141,000 | 1,373 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0164% | 3,942 |
| Cost of funding earning assets | 1.5373% | 1,850 |
| Net interest margin | 2.4792% | 4,111 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 1.9144% | 3,810 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.8055% | 2,856 |
| Return on assets (ROA) | 0.8034% | 2,840 |
| Pretax return on assets | 1.0054% | 2,673 |
| Return on Equity (ROE) | 13.1000% | 1,702 |
| Retained earnings to average equity (ytd only) | 8.0217% | 1,532 |
| Net charge-offs to loans | 0.0009% | 2,847 |
| Credit loss provision to net charge-offs | 11,950.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 2,620.7500% | 52 |
| Efficiency ratio | 64.4439% | 2,554 |
| Assets per employee ($millions) | 8.0244% | 1,421 |
| Cash dividends to net income (ytd only)* | 38.7809% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 2,779 |
| Loan loss allowance to noncurrent loans | 25,225.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 3,836 |
| Noncurrent loans to loans | 0.0044% | 3,756 |
| Net loans and leases to total assets | 43.3900% | 3,922 |
| Net loans and leases to deposits | 52.2694% | 3,868 |
| Net loans and leases to core deposits | 57.6862% | 3,847 |
| Total domestic deposits to total assets | 83.0100% | 2,890 |
| Equity capital to assets | 6.7427% | 4,035 |
| Core capital (leverage) ratio | 9.4156% | 3,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8851% | 943 |
| Memoranda: | ||
| Average total assets | $992,457,600 | 995 |
| Average earning assets | $927,760,200 | 975 |
| Average equity | $60,847,200 | 1,382 |
| Average total loans | $426,784,600 | 1,408 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8741% | 4,035 |
| Cost of funding earning assets | 1.4007% | 1,865 |
| Net interest margin | 2.4735% | 4,169 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 1.8407% | 3,899 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.7811% | 3,083 |
| Return on assets (ROA) | 0.7783% | 3,079 |
| Pretax return on assets | 0.9937% | 2,876 |
| Return on Equity (ROE) | 13.0400% | 1,888 |
| Retained earnings to average equity (ytd only) | 9.9207% | 1,427 |
| Net charge-offs to loans | 0.0032% | 2,404 |
| Credit loss provision to net charge-offs | 4,710.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 781.4000% | 204 |
| Efficiency ratio | 63.4313% | 2,570 |
| Assets per employee ($millions) | 7.8587% | 1,424 |
| Cash dividends to net income (ytd only)* | 23.9051% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 2,804 |
| Loan loss allowance to noncurrent loans | 2,114.7059% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 3,571 |
| Noncurrent loans to loans | 0.0526% | 3,376 |
| Net loans and leases to total assets | 45.5700% | 3,850 |
| Net loans and leases to deposits | 54.8264% | 3,760 |
| Net loans and leases to core deposits | 57.5560% | 3,794 |
| Total domestic deposits to total assets | 83.1200% | 2,994 |
| Equity capital to assets | 5.7948% | 4,056 |
| Core capital (leverage) ratio | 9.6992% | 3,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3965% | 1,037 |
| Memoranda: | ||
| Average total assets | $981,785,500 | 1,005 |
| Average earning assets | $916,688,250 | 984 |
| Average equity | $58,609,750 | 1,406 |
| Average total loans | $419,940,250 | 1,418 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7304% | 4,110 |
| Cost of funding earning assets | 1.1881% | 2,028 |
| Net interest margin | 2.5423% | 4,167 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 1.8492% | 3,910 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.8257% | 3,000 |
| Return on assets (ROA) | 0.8213% | 3,023 |
| Pretax return on assets | 1.0648% | 2,737 |
| Return on Equity (ROE) | 13.6200% | 1,768 |
| Retained earnings to average equity (ytd only) | 10.7079% | 1,247 |
| Net charge-offs to loans | 0.0024% | 2,263 |
| Credit loss provision to net charge-offs | 4,920.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 1,099.8000% | 129 |
| Efficiency ratio | 62.2710% | 2,683 |
| Assets per employee ($millions) | 8.1851% | 1,235 |
| Cash dividends to net income (ytd only)* | 21.4091% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 2,899 |
| Loan loss allowance to noncurrent loans | 1,436.4179% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 3,444 |
| Noncurrent loans to loans | 0.0774% | 3,132 |
| Net loans and leases to total assets | 43.5700% | 3,897 |
| Net loans and leases to deposits | 52.5747% | 3,812 |
| Net loans and leases to core deposits | 53.8574% | 3,896 |
| Total domestic deposits to total assets | 82.8800% | 3,072 |
| Equity capital to assets | 6.2472% | 4,088 |
| Core capital (leverage) ratio | 9.6840% | 3,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4457% | 1,043 |
| Memoranda: | ||
| Average total assets | $981,600,667 | 994 |
| Average earning assets | $917,908,333 | 973 |
| Average equity | $59,171,333 | 1,406 |
| Average total loans | $409,015,000 | 1,436 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5980% | 4,157 |
| Cost of funding earning assets | 0.8624% | 2,501 |
| Net interest margin | 2.7356% | 4,030 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 1.7671% | 4,083 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.9981% | 2,534 |
| Return on assets (ROA) | 0.9869% | 2,539 |
| Pretax return on assets | 1.2930% | 2,196 |
| Return on Equity (ROE) | 16.6700% | 1,231 |
| Retained earnings to average equity (ytd only) | 13.7061% | 978 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.4527% | 3,359 |
| Assets per employee ($millions) | 7.9477% | 1,368 |
| Cash dividends to net income (ytd only)* | 17.8026% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 2,709 |
| Loan loss allowance to noncurrent loans | 9,233.3333% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 3,847 |
| Noncurrent loans to loans | 0.0127% | 3,726 |
| Net loans and leases to total assets | 41.3200% | 3,982 |
| Net loans and leases to deposits | 44.5362% | 4,086 |
| Net loans and leases to core deposits | 45.3245% | 4,134 |
| Total domestic deposits to total assets | 92.7900% | 344 |
| Equity capital to assets | 6.4604% | 4,042 |
| Core capital (leverage) ratio | 10.5630% | 2,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9302% | 750 |
| Memoranda: | ||
| Average total assets | $981,293,000 | 1,007 |
| Average earning assets | $920,169,500 | 986 |
| Average equity | $58,076,500 | 1,432 |
| Average total loans | $397,117,000 | 1,479 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8660% | 4,270 |
| Cost of funding earning assets | 0.2652% | 3,206 |
| Net interest margin | 2.6007% | 4,171 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 1.8178% | 4,000 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9941% | 2,589 |
| Return on assets (ROA) | 0.9941% | 2,540 |
| Pretax return on assets | 1.2655% | 2,219 |
| Return on Equity (ROE) | 16.7300% | 913 |
| Retained earnings to average equity (ytd only) | 14.2542% | 358 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.1471% | 3,318 |
| Assets per employee ($millions) | 8.0719% | 1,281 |
| Cash dividends to net income (ytd only)* | 14.8170% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 2,548 |
| Loan loss allowance to noncurrent loans | 9,328.5714% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 3,870 |
| Noncurrent loans to loans | 0.0125% | 3,745 |
| Net loans and leases to total assets | 38.7200% | 4,114 |
| Net loans and leases to deposits | 41.2499% | 4,208 |
| Net loans and leases to core deposits | 41.8733% | 4,234 |
| Total domestic deposits to total assets | 93.8700% | 257 |
| Equity capital to assets | 5.3975% | 4,271 |
| Core capital (leverage) ratio | 9.2173% | 3,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9528% | 984 |
| Memoranda: | ||
| Average total assets | $1,006,110,600 | 975 |
| Average earning assets | $953,115,800 | 945 |
| Average equity | $59,771,800 | 1,407 |
| Average total loans | $367,333,600 | 1,492 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6752% | 4,308 |
| Cost of funding earning assets | 0.1622% | 3,711 |
| Net interest margin | 2.5129% | 4,199 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 1.6234% | 4,278 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.0612% | 2,246 |
| Return on assets (ROA) | 1.0612% | 2,210 |
| Pretax return on assets | 1.3578% | 1,857 |
| Return on Equity (ROE) | 17.4700% | 714 |
| Retained earnings to average equity (ytd only) | 14.9888% | 366 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.6172% | 3,849 |
| Assets per employee ($millions) | 8.1566% | 1,243 |
| Cash dividends to net income (ytd only)* | 14.1806% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 2,785 |
| Loan loss allowance to noncurrent loans | 8,318.5185% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 3,957 |
| Noncurrent loans to loans | 0.0138% | 3,834 |
| Net loans and leases to total assets | 38.7300% | 4,115 |
| Net loans and leases to deposits | 40.8094% | 4,211 |
| Net loans and leases to core deposits | 41.4661% | 4,240 |
| Total domestic deposits to total assets | 94.9100% | 238 |
| Equity capital to assets | 4.4629% | 4,404 |
| Core capital (leverage) ratio | 8.8807% | 3,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8782% | 1,203 |
| Memoranda: | ||
| Average total assets | $1,007,408,750 | 981 |
| Average earning assets | $956,673,750 | 951 |
| Average equity | $61,208,500 | 1,399 |
| Average total loans | $361,136,250 | 1,505 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4587% | 4,412 |
| Cost of funding earning assets | 0.1231% | 3,928 |
| Net interest margin | 2.3357% | 4,294 |
| Noninterest income to average assets | 0.6258% | 1,630 |
| Noninterest expense to average assets | 1.6320% | 4,256 |
| Loan and lease loss provision to assets | 0.0565% | 1,568 |
| Net operating income to assets | 0.9012% | 2,578 |
| Return on assets (ROA) | 0.9012% | 2,548 |
| Pretax return on assets | 1.1664% | 2,183 |
| Return on Equity (ROE) | 13.6451% | 1,202 |
| Retained earnings to average equity (ytd only) | 11.5765% | 682 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1646% | 3,661 |
| Assets per employee ($millions) | 8.6613% | 996 |
| Cash dividends to net income (ytd only)* | 15.1602% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 2,781 |
| Loan loss allowance to noncurrent loans | 1,859.2437% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 3,763 |
| Noncurrent loans to loans | 0.0636% | 3,479 |
| Net loans and leases to total assets | 36.4833% | 4,227 |
| Net loans and leases to deposits | 38.8055% | 4,303 |
| Net loans and leases to core deposits | 39.5541% | 4,335 |
| Total domestic deposits to total assets | 94.0158% | 282 |
| Equity capital to assets | 5.4493% | 4,379 |
| Core capital (leverage) ratio | 8.6993% | 3,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0273% | 1,181 |
| Memoranda: | ||
| Average total assets | $1,011,510,000 | 966 |
| Average earning assets | $965,377,667 | 941 |
| Average equity | $66,807,667 | 1,332 |
| Average total loans | $351,540,667 | 1,530 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3449% | 4,422 |
| Cost of funding earning assets | 0.1143% | 3,957 |
| Net interest margin | 2.2306% | 4,312 |
| Noninterest income to average assets | 0.6274% | 1,573 |
| Noninterest expense to average assets | 1.6822% | 4,163 |
| Loan and lease loss provision to assets | 0.0617% | 1,306 |
| Net operating income to assets | 0.7718% | 2,761 |
| Return on assets (ROA) | 0.7718% | 2,754 |
| Pretax return on assets | 1.0224% | 2,373 |
| Return on Equity (ROE) | 10.7437% | 1,709 |
| Retained earnings to average equity (ytd only) | 8.8429% | 1,313 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8098% | 3,398 |
| Assets per employee ($millions) | 8.4446% | 1,144 |
| Cash dividends to net income (ytd only)* | 17.6923% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 2,751 |
| Loan loss allowance to noncurrent loans | 5,966.6667% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,016 |
| Noncurrent loans to loans | 0.0205% | 3,850 |
| Net loans and leases to total assets | 34.2835% | 4,294 |
| Net loans and leases to deposits | 36.7939% | 4,358 |
| Net loans and leases to core deposits | 37.6227% | 4,386 |
| Total domestic deposits to total assets | 93.1772% | 229 |
| Equity capital to assets | 6.1880% | 4,536 |
| Core capital (leverage) ratio | 8.6675% | 3,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1666% | 1,222 |
| Memoranda: | ||
| Average total assets | $1,010,577,500 | 972 |
| Average earning assets | $969,082,000 | 941 |
| Average equity | $72,600,500 | 1,293 |
| Average total loans | $340,242,000 | 1,553 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6456% | 4,364 |
| Cost of funding earning assets | 0.1491% | 3,988 |
| Net interest margin | 2.4965% | 4,195 |
| Noninterest income to average assets | 0.7646% | 1,551 |
| Noninterest expense to average assets | 1.7908% | 4,163 |
| Loan and lease loss provision to assets | 0.0053% | 2,975 |
| Net operating income to assets | 1.0608% | 2,444 |
| Return on assets (ROA) | 1.1342% | 2,213 |
| Pretax return on assets | 1.4654% | 1,833 |
| Return on Equity (ROE) | 12.3312% | 1,701 |
| Retained earnings to average equity (ytd only) | 4.7670% | 2,885 |
| Net charge-offs to loans | 0.0006% | 2,679 |
| Credit loss provision to net charge-offs | 2,450.0000% | 271 |
| Earnings coverage of net charge-offs (x) | 6,417.5000% | 15 |
| Efficiency ratio | 56.5195% | 3,640 |
| Assets per employee ($millions) | 8.5407% | 1,068 |
| Cash dividends to net income (ytd only)* | 61.3419% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 2,575 |
| Loan loss allowance to noncurrent loans | 5,750.0000% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,095 |
| Noncurrent loans to loans | 0.0219% | 3,910 |
| Net loans and leases to total assets | 32.2121% | 4,440 |
| Net loans and leases to deposits | 35.3636% | 4,494 |
| Net loans and leases to core deposits | 36.1954% | 4,515 |
| Total domestic deposits to total assets | 91.0884% | 465 |
| Equity capital to assets | 8.1856% | 4,243 |
| Core capital (leverage) ratio | 8.5810% | 3,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8511% | 1,079 |
| Memoranda: | ||
| Average total assets | $931,644,800 | 1,017 |
| Average earning assets | $897,113,200 | 981 |
| Average equity | $85,693,000 | 1,142 |
| Average total loans | $344,082,200 | 1,540 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7347% | 4,370 |
| Cost of funding earning assets | 0.1581% | 4,033 |
| Net interest margin | 2.5766% | 4,168 |
| Noninterest income to average assets | 0.7401% | 1,698 |
| Noninterest expense to average assets | 1.5390% | 4,547 |
| Loan and lease loss provision to assets | 0.0076% | 2,830 |
| Net operating income to assets | 1.2785% | 1,892 |
| Return on assets (ROA) | 1.3669% | 1,695 |
| Pretax return on assets | 1.7849% | 1,195 |
| Return on Equity (ROE) | 14.4225% | 1,274 |
| Retained earnings to average equity (ytd only) | 12.0901% | 821 |
| Net charge-offs to loans | 0.0004% | 2,447 |
| Credit loss provision to net charge-offs | 5,200.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 11,503.0000% | 6 |
| Efficiency ratio | 47.8014% | 4,377 |
| Assets per employee ($millions) | 8.3765% | 1,100 |
| Cash dividends to net income (ytd only)* | 16.1714% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 2,876 |
| Loan loss allowance to noncurrent loans | 555.4960% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 3,594 |
| Noncurrent loans to loans | 0.2202% | 3,069 |
| Net loans and leases to total assets | 34.4421% | 4,448 |
| Net loans and leases to deposits | 38.1677% | 4,517 |
| Net loans and leases to core deposits | 39.1451% | 4,536 |
| Total domestic deposits to total assets | 90.2389% | 666 |
| Equity capital to assets | 9.1525% | 3,694 |
| Core capital (leverage) ratio | 9.4812% | 3,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1668% | 930 |
| Memoranda: | ||
| Average total assets | $912,605,250 | 1,045 |
| Average earning assets | $878,178,000 | 1,010 |
| Average equity | $86,492,500 | 1,153 |
| Average total loans | $347,909,000 | 1,552 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9625% | 4,110 |
| Cost of funding earning assets | 0.1693% | 4,047 |
| Net interest margin | 2.7932% | 3,802 |
| Noninterest income to average assets | 0.7727% | 1,608 |
| Noninterest expense to average assets | 1.5715% | 4,549 |
| Loan and lease loss provision to assets | 0.0112% | 2,717 |
| Net operating income to assets | 1.4335% | 1,473 |
| Return on assets (ROA) | 1.5305% | 1,280 |
| Pretax return on assets | 2.0027% | 834 |
| Return on Equity (ROE) | 15.9502% | 971 |
| Retained earnings to average equity (ytd only) | 13.9310% | 556 |
| Net charge-offs to loans | 0.0006% | 2,228 |
| Credit loss provision to net charge-offs | 5,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 8,443.0000% | 8 |
| Efficiency ratio | 45.3846% | 4,549 |
| Assets per employee ($millions) | 8.0076% | 1,206 |
| Cash dividends to net income (ytd only)* | 12.6592% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 2,957 |
| Loan loss allowance to noncurrent loans | 562.7717% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 3,679 |
| Noncurrent loans to loans | 0.2124% | 3,201 |
| Net loans and leases to total assets | 36.8583% | 4,432 |
| Net loans and leases to deposits | 40.9599% | 4,491 |
| Net loans and leases to core deposits | 41.9685% | 4,519 |
| Total domestic deposits to total assets | 89.9862% | 786 |
| Equity capital to assets | 9.4337% | 3,398 |
| Core capital (leverage) ratio | 9.6484% | 2,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8931% | 981 |
| Memoranda: | ||
| Average total assets | $892,916,000 | 1,059 |
| Average earning assets | $859,885,667 | 1,022 |
| Average equity | $85,679,333 | 1,155 |
| Average total loans | $350,942,333 | 1,553 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3140% | 3,410 |
| Cost of funding earning assets | 0.1845% | 4,047 |
| Net interest margin | 3.1295% | 2,905 |
| Noninterest income to average assets | 0.7649% | 1,674 |
| Noninterest expense to average assets | 1.6019% | 4,530 |
| Loan and lease loss provision to assets | 0.0338% | 2,327 |
| Net operating income to assets | 1.5742% | 1,172 |
| Return on assets (ROA) | 1.6815% | 1,020 |
| Pretax return on assets | 2.2818% | 601 |
| Return on Equity (ROE) | 17.3685% | 799 |
| Retained earnings to average equity (ytd only) | 15.3285% | 594 |
| Net charge-offs to loans | 0.0011% | 1,901 |
| Credit loss provision to net charge-offs | 7,400.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 4,768.0000% | 7 |
| Efficiency ratio | 42.3598% | 4,657 |
| Assets per employee ($millions) | 8.2023% | 1,100 |
| Cash dividends to net income (ytd only)* | 11.7455% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 3,057 |
| Loan loss allowance to noncurrent loans | 593.5897% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 3,823 |
| Noncurrent loans to loans | 0.1982% | 3,399 |
| Net loans and leases to total assets | 39.1490% | 4,378 |
| Net loans and leases to deposits | 43.6224% | 4,437 |
| Net loans and leases to core deposits | 44.9699% | 4,474 |
| Total domestic deposits to total assets | 89.7452% | 932 |
| Equity capital to assets | 9.4936% | 3,208 |
| Core capital (leverage) ratio | 9.6578% | 2,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0495% | 1,283 |
| Memoranda: | ||
| Average total assets | $874,934,000 | 1,066 |
| Average earning assets | $843,460,500 | 1,031 |
| Average equity | $84,705,000 | 1,150 |
| Average total loans | $353,158,000 | 1,555 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5606% | 3,907 |
| Cost of funding earning assets | 0.3348% | 3,949 |
| Net interest margin | 3.2258% | 3,283 |
| Noninterest income to average assets | 0.9094% | 1,240 |
| Noninterest expense to average assets | 2.0450% | 4,051 |
| Loan and lease loss provision to assets | 0.1022% | 3,051 |
| Net operating income to assets | 1.4350% | 943 |
| Return on assets (ROA) | 1.5410% | 786 |
| Pretax return on assets | 1.9832% | 471 |
| Return on Equity (ROE) | 13.9474% | 826 |
| Retained earnings to average equity (ytd only) | 5.5294% | 2,029 |
| Net charge-offs to loans | 0.0314% | 2,404 |
| Credit loss provision to net charge-offs | 655.0847% | 1,046 |
| Earnings coverage of net charge-offs (x) | 125.1271% | 683 |
| Efficiency ratio | 51.1739% | 4,456 |
| Assets per employee ($millions) | 8.1507% | 985 |
| Cash dividends to net income (ytd only)* | 60.3550% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 3,144 |
| Loan loss allowance to noncurrent loans | 570.9902% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 3,911 |
| Noncurrent loans to loans | 0.2036% | 3,483 |
| Net loans and leases to total assets | 40.6679% | 4,416 |
| Net loans and leases to deposits | 45.5308% | 4,484 |
| Net loans and leases to core deposits | 47.3478% | 4,505 |
| Total domestic deposits to total assets | 89.3196% | 847 |
| Equity capital to assets | 9.8774% | 3,235 |
| Core capital (leverage) ratio | 9.7779% | 2,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5702% | 967 |
| Memoranda: | ||
| Average total assets | $756,724,200 | 1,100 |
| Average earning assets | $724,096,800 | 1,073 |
| Average equity | $83,607,000 | 1,114 |
| Average total loans | $375,742,600 | 1,428 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 3,311 |
| Cost of funding earning assets | 0.3782% | 3,920 |
| Net interest margin | 3.5056% | 2,572 |
| Noninterest income to average assets | 0.8787% | 1,286 |
| Noninterest expense to average assets | 1.8294% | 4,442 |
| Loan and lease loss provision to assets | 0.2335% | 1,742 |
| Net operating income to assets | 1.6184% | 691 |
| Return on assets (ROA) | 1.7582% | 559 |
| Pretax return on assets | 2.3394% | 262 |
| Return on Equity (ROE) | 15.4350% | 621 |
| Retained earnings to average equity (ytd only) | 12.1328% | 409 |
| Net charge-offs to loans | 0.0412% | 2,036 |
| Credit loss provision to net charge-offs | 1,086.4407% | 790 |
| Earnings coverage of net charge-offs (x) | 111.4746% | 735 |
| Efficiency ratio | 43.2944% | 4,823 |
| Assets per employee ($millions) | 7.3946% | 1,277 |
| Cash dividends to net income (ytd only)* | 21.3945% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 2,898 |
| Loan loss allowance to noncurrent loans | 547.9762% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 3,907 |
| Noncurrent loans to loans | 0.2113% | 3,539 |
| Net loans and leases to total assets | 49.2129% | 4,133 |
| Net loans and leases to deposits | 55.7155% | 4,274 |
| Net loans and leases to core deposits | 58.0715% | 4,300 |
| Total domestic deposits to total assets | 88.3290% | 1,045 |
| Equity capital to assets | 10.9654% | 2,421 |
| Core capital (leverage) ratio | 10.9600% | 1,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3681% | 993 |
| Memoranda: | ||
| Average total assets | $731,950,500 | 1,114 |
| Average earning assets | $698,790,500 | 1,090 |
| Average equity | $83,375,500 | 1,109 |
| Average total loans | $381,643,750 | 1,411 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2616% | 2,575 |
| Cost of funding earning assets | 0.4402% | 3,843 |
| Net interest margin | 3.8215% | 1,772 |
| Noninterest income to average assets | 0.8192% | 1,382 |
| Noninterest expense to average assets | 1.9041% | 4,412 |
| Loan and lease loss provision to assets | 0.4157% | 956 |
| Net operating income to assets | 1.5744% | 797 |
| Return on assets (ROA) | 1.7905% | 562 |
| Pretax return on assets | 2.4133% | 245 |
| Return on Equity (ROE) | 15.5020% | 635 |
| Retained earnings to average equity (ytd only) | 12.8622% | 377 |
| Net charge-offs to loans | 0.0356% | 2,026 |
| Credit loss provision to net charge-offs | 2,201.4925% | 445 |
| Earnings coverage of net charge-offs (x) | 135.3433% | 569 |
| Efficiency ratio | 42.6983% | 4,840 |
| Assets per employee ($millions) | 6.9793% | 1,448 |
| Cash dividends to net income (ytd only)* | 17.0286% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 2,630 |
| Loan loss allowance to noncurrent loans | 406.6275% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 3,369 |
| Noncurrent loans to loans | 0.2893% | 3,343 |
| Net loans and leases to total assets | 54.0105% | 3,873 |
| Net loans and leases to deposits | 61.5910% | 4,033 |
| Net loans and leases to core deposits | 64.1256% | 4,070 |
| Total domestic deposits to total assets | 87.6923% | 1,333 |
| Equity capital to assets | 11.3504% | 2,082 |
| Core capital (leverage) ratio | 11.4094% | 1,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2676% | 1,185 |
| Memoranda: | ||
| Average total assets | $709,728,000 | 1,129 |
| Average earning assets | $676,077,667 | 1,105 |
| Average equity | $81,976,667 | 1,116 |
| Average total loans | $376,316,333 | 1,410 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9624% | 3,894 |
| Cost of funding earning assets | 0.5633% | 3,625 |
| Net interest margin | 3.3991% | 3,300 |
| Noninterest income to average assets | 0.8032% | 1,303 |
| Noninterest expense to average assets | 1.9758% | 4,446 |
| Loan and lease loss provision to assets | 0.0599% | 3,020 |
| Net operating income to assets | 1.4918% | 802 |
| Return on assets (ROA) | 1.7187% | 547 |
| Pretax return on assets | 2.2946% | 236 |
| Return on Equity (ROE) | 14.7405% | 584 |
| Retained earnings to average equity (ytd only) | 12.0418% | 425 |
| Net charge-offs to loans | 0.0748% | 1,276 |
| Credit loss provision to net charge-offs | 153.7313% | 1,575 |
| Earnings coverage of net charge-offs (x) | 53.0448% | 859 |
| Efficiency ratio | 48.8707% | 4,716 |
| Assets per employee ($millions) | 6.0239% | 1,658 |
| Cash dividends to net income (ytd only)* | 18.3080% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9553% | 3,913 |
| Loan loss allowance to noncurrent loans | 234.5712% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 3,599 |
| Noncurrent loans to loans | 0.4072% | 3,034 |
| Net loans and leases to total assets | 52.9137% | 4,064 |
| Net loans and leases to deposits | 60.7915% | 4,171 |
| Net loans and leases to core deposits | 63.4088% | 4,203 |
| Total domestic deposits to total assets | 87.0412% | 1,535 |
| Equity capital to assets | 12.0733% | 2,014 |
| Core capital (leverage) ratio | 11.7101% | 1,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5807% | 1,057 |
| Memoranda: | ||
| Average total assets | $687,710,000 | 1,132 |
| Average earning assets | $655,460,500 | 1,101 |
| Average equity | $80,187,500 | 1,134 |
| Average total loans | $358,495,000 | 1,426 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1131% | 4,014 |
| Cost of funding earning assets | 0.6225% | 3,543 |
| Net interest margin | 3.4906% | 3,481 |
| Noninterest income to average assets | 0.8557% | 1,286 |
| Noninterest expense to average assets | 2.1154% | 4,329 |
| Loan and lease loss provision to assets | 0.0604% | 2,832 |
| Net operating income to assets | 1.6122% | 813 |
| Return on assets (ROA) | 1.6147% | 867 |
| Pretax return on assets | 2.0044% | 598 |
| Return on Equity (ROE) | 14.2349% | 853 |
| Retained earnings to average equity (ytd only) | 6.4108% | 1,660 |
| Net charge-offs to loans | 0.0933% | 1,795 |
| Credit loss provision to net charge-offs | 122.4242% | 2,075 |
| Earnings coverage of net charge-offs (x) | 41.7788% | 1,276 |
| Efficiency ratio | 50.6426% | 4,700 |
| Assets per employee ($millions) | 6.4326% | 1,328 |
| Cash dividends to net income (ytd only)* | 54.9639% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9730% | 3,632 |
| Loan loss allowance to noncurrent loans | 454.1612% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 4,084 |
| Noncurrent loans to loans | 0.2142% | 3,689 |
| Net loans and leases to total assets | 50.3648% | 4,317 |
| Net loans and leases to deposits | 57.3253% | 4,399 |
| Net loans and leases to core deposits | 59.3149% | 4,470 |
| Total domestic deposits to total assets | 87.8579% | 1,195 |
| Equity capital to assets | 11.2552% | 2,752 |
| Core capital (leverage) ratio | 11.2133% | 2,322 |
| Tier 1 risk-based capital ratio | 17.4812% | 1,899 |
| Total risk-based capital ratio | 18.2564% | 1,996 |
| Memoranda: | ||
| Average total assets | $668,718,400 | 1,122 |
| Average earning assets | $636,313,400 | 1,086 |
| Average equity | $75,856,000 | 1,135 |
| Average total loans | $353,521,200 | 1,406 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1738% | 3,982 |
| Cost of funding earning assets | 0.6289% | 3,540 |
| Net interest margin | 3.5449% | 3,421 |
| Noninterest income to average assets | 0.7554% | 1,577 |
| Noninterest expense to average assets | 1.8557% | 4,755 |
| Loan and lease loss provision to assets | 0.0240% | 3,419 |
| Net operating income to assets | 1.7036% | 739 |
| Return on assets (ROA) | 1.7069% | 774 |
| Pretax return on assets | 2.2391% | 424 |
| Return on Equity (ROE) | 15.0172% | 773 |
| Retained earnings to average equity (ytd only) | 11.4037% | 459 |
| Net charge-offs to loans | 0.0045% | 3,241 |
| Credit loss provision to net charge-offs | 991.6667% | 358 |
| Earnings coverage of net charge-offs (x) | 934.8931% | 99 |
| Efficiency ratio | 45.1018% | 4,973 |
| Assets per employee ($millions) | 6.3312% | 1,374 |
| Cash dividends to net income (ytd only)* | 24.0623% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 3,708 |
| Loan loss allowance to noncurrent loans | 365.3684% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.1521% | 3,980 |
| Noncurrent loans to loans | 0.2668% | 3,588 |
| Net loans and leases to total assets | 52.5307% | 4,283 |
| Net loans and leases to deposits | 60.2360% | 4,373 |
| Net loans and leases to core deposits | 62.3166% | 4,445 |
| Total domestic deposits to total assets | 87.2082% | 1,423 |
| Equity capital to assets | 11.9544% | 2,297 |
| Core capital (leverage) ratio | 11.8840% | 1,929 |
| Tier 1 risk-based capital ratio | 18.0263% | 1,806 |
| Total risk-based capital ratio | 18.8148% | 1,893 |
| Memoranda: | ||
| Average total assets | $662,218,750 | 1,130 |
| Average earning assets | $627,512,750 | 1,096 |
| Average equity | $75,272,000 | 1,140 |
| Average total loans | $353,568,750 | 1,413 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1358% | 4,078 |
| Cost of funding earning assets | 0.6215% | 3,541 |
| Net interest margin | 3.5143% | 3,554 |
| Noninterest income to average assets | 0.7314% | 1,593 |
| Noninterest expense to average assets | 1.8797% | 4,775 |
| Loan and lease loss provision to assets | 0.0552% | 2,723 |
| Net operating income to assets | 1.6279% | 855 |
| Return on assets (ROA) | 1.6243% | 899 |
| Pretax return on assets | 2.1318% | 514 |
| Return on Equity (ROE) | 14.5449% | 867 |
| Retained earnings to average equity (ytd only) | 11.6028% | 459 |
| Net charge-offs to loans | 0.0074% | 2,886 |
| Credit loss provision to net charge-offs | 1,400.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 555.6923% | 137 |
| Efficiency ratio | 46.1699% | 4,982 |
| Assets per employee ($millions) | 5.8244% | 1,670 |
| Cash dividends to net income (ytd only)* | 20.2279% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 3,721 |
| Loan loss allowance to noncurrent loans | 379.8925% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 4,013 |
| Noncurrent loans to loans | 0.2589% | 3,606 |
| Net loans and leases to total assets | 53.5574% | 4,239 |
| Net loans and leases to deposits | 61.1679% | 4,367 |
| Net loans and leases to core deposits | 63.0707% | 4,451 |
| Total domestic deposits to total assets | 87.5580% | 1,306 |
| Equity capital to assets | 11.6293% | 2,500 |
| Core capital (leverage) ratio | 11.7107% | 2,013 |
| Tier 1 risk-based capital ratio | 17.5322% | 1,934 |
| Total risk-based capital ratio | 18.3346% | 2,010 |
| Memoranda: | ||
| Average total assets | $659,256,000 | 1,131 |
| Average earning assets | $626,527,670 | 1,102 |
| Average equity | $73,620,330 | 1,160 |
| Average total loans | $352,755,670 | 1,421 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0564% | 4,246 |
| Cost of funding earning assets | 0.6071% | 3,533 |
| Net interest margin | 3.4493% | 3,752 |
| Noninterest income to average assets | 0.7179% | 1,551 |
| Noninterest expense to average assets | 1.9236% | 4,762 |
| Loan and lease loss provision to assets | 0.0359% | 2,904 |
| Net operating income to assets | 1.5448% | 1,017 |
| Return on assets (ROA) | 1.5448% | 1,048 |
| Pretax return on assets | 2.0454% | 591 |
| Return on Equity (ROE) | 14.1293% | 940 |
| Retained earnings to average equity (ytd only) | 11.1107% | 780 |
| Net charge-offs to loans | 0.0561% | 1,486 |
| Credit loss provision to net charge-offs | 120.4082% | 1,411 |
| Earnings coverage of net charge-offs (x) | 69.7551% | 847 |
| Efficiency ratio | 48.0310% | 4,941 |
| Assets per employee ($millions) | 5.7752% | 1,723 |
| Cash dividends to net income (ytd only)* | 21.3638% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9551% | 3,946 |
| Loan loss allowance to noncurrent loans | 3,408.0808% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 4,718 |
| Noncurrent loans to loans | 0.0280% | 4,653 |
| Net loans and leases to total assets | 54.0942% | 4,204 |
| Net loans and leases to deposits | 61.7426% | 4,316 |
| Net loans and leases to core deposits | 63.4265% | 4,407 |
| Total domestic deposits to total assets | 87.6124% | 1,510 |
| Equity capital to assets | 11.3743% | 2,505 |
| Core capital (leverage) ratio | 11.3072% | 2,279 |
| Tier 1 risk-based capital ratio | 17.2859% | 2,021 |
| Total risk-based capital ratio | 18.0645% | 2,120 |
| Memoranda: | ||
| Average total assets | $656,894,500 | 1,143 |
| Average earning assets | $625,978,000 | 1,107 |
| Average equity | $71,822,500 | 1,184 |
| Average total loans | $349,562,000 | 1,441 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8170% | 4,449 |
| Cost of funding earning assets | 0.4699% | 3,552 |
| Net interest margin | 3.3471% | 4,134 |
| Noninterest income to average assets | 0.7777% | 1,530 |
| Noninterest expense to average assets | 2.0732% | 4,615 |
| Loan and lease loss provision to assets | 0.0533% | 3,114 |
| Net operating income to assets | 1.3847% | 1,483 |
| Return on assets (ROA) | 1.3856% | 1,474 |
| Pretax return on assets | 1.8434% | 825 |
| Return on Equity (ROE) | 13.3025% | 1,234 |
| Retained earnings to average equity (ytd only) | 7.6537% | 1,393 |
| Net charge-offs to loans | 0.0009% | 3,747 |
| Credit loss provision to net charge-offs | 11,566.6667% | 39 |
| Earnings coverage of net charge-offs (x) | 4,111.6667% | 16 |
| Efficiency ratio | 52.2381% | 4,775 |
| Assets per employee ($millions) | 6.2334% | 1,372 |
| Cash dividends to net income (ytd only)* | 42.4642% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 3,847 |
| Loan loss allowance to noncurrent loans | 2,184.4156% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 4,684 |
| Noncurrent loans to loans | 0.0445% | 4,549 |
| Net loans and leases to total assets | 51.3508% | 4,438 |
| Net loans and leases to deposits | 58.0557% | 4,573 |
| Net loans and leases to core deposits | 59.4228% | 4,651 |
| Total domestic deposits to total assets | 88.4509% | 1,096 |
| Equity capital to assets | 10.5063% | 3,185 |
| Core capital (leverage) ratio | 10.8055% | 2,733 |
| Tier 1 risk-based capital ratio | 17.0647% | 2,043 |
| Total risk-based capital ratio | 17.8547% | 2,150 |
| Memoranda: | ||
| Average total assets | $650,743,800 | 1,114 |
| Average earning assets | $620,384,200 | 1,083 |
| Average equity | $67,784,000 | 1,193 |
| Average total loans | $328,248,600 | 1,487 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7555% | 4,543 |
| Cost of funding earning assets | 0.4255% | 3,691 |
| Net interest margin | 3.3300% | 4,201 |
| Noninterest income to average assets | 0.7540% | 1,658 |
| Noninterest expense to average assets | 1.8356% | 5,000 |
| Loan and lease loss provision to assets | 0.0639% | 2,696 |
| Net operating income to assets | 1.5491% | 1,067 |
| Return on assets (ROA) | 1.5504% | 1,066 |
| Pretax return on assets | 2.0300% | 580 |
| Return on Equity (ROE) | 14.9177% | 893 |
| Retained earnings to average equity (ytd only) | 11.6426% | 533 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7325% | 5,115 |
| Assets per employee ($millions) | 6.1788% | 1,364 |
| Cash dividends to net income (ytd only)* | 21.9548% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 3,892 |
| Loan loss allowance to noncurrent loans | 18,500.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 4,936 |
| Noncurrent loans to loans | 0.0053% | 4,917 |
| Net loans and leases to total assets | 52.3385% | 4,470 |
| Net loans and leases to deposits | 59.1825% | 4,590 |
| Net loans and leases to core deposits | 60.6621% | 4,677 |
| Total domestic deposits to total assets | 88.4358% | 1,074 |
| Equity capital to assets | 10.7612% | 2,884 |
| Core capital (leverage) ratio | 11.2747% | 2,354 |
| Tier 1 risk-based capital ratio | 17.3311% | 1,988 |
| Total risk-based capital ratio | 18.1179% | 2,098 |
| Memoranda: | ||
| Average total assets | $646,687,000 | 1,123 |
| Average earning assets | $616,360,250 | 1,092 |
| Average equity | $67,211,500 | 1,200 |
| Average total loans | $323,846,000 | 1,509 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6784% | 4,632 |
| Cost of funding earning assets | 0.3675% | 3,956 |
| Net interest margin | 3.3109% | 4,221 |
| Noninterest income to average assets | 0.7540% | 1,628 |
| Noninterest expense to average assets | 1.8384% | 5,049 |
| Loan and lease loss provision to assets | 0.0664% | 2,570 |
| Net operating income to assets | 1.5264% | 1,086 |
| Return on assets (ROA) | 1.5261% | 1,087 |
| Pretax return on assets | 2.0076% | 598 |
| Return on Equity (ROE) | 14.8577% | 882 |
| Retained earnings to average equity (ytd only) | 11.9222% | 529 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9869% | 5,166 |
| Assets per employee ($millions) | 6.2750% | 1,280 |
| Cash dividends to net income (ytd only)* | 19.7573% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 4,015 |
| Loan loss allowance to noncurrent loans | 5,217.7419% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 4,927 |
| Noncurrent loans to loans | 0.0186% | 4,857 |
| Net loans and leases to total assets | 51.1563% | 4,532 |
| Net loans and leases to deposits | 58.0469% | 4,639 |
| Net loans and leases to core deposits | 59.5686% | 4,724 |
| Total domestic deposits to total assets | 88.1293% | 1,311 |
| Equity capital to assets | 10.4835% | 3,138 |
| Core capital (leverage) ratio | 10.9689% | 2,556 |
| Tier 1 risk-based capital ratio | 17.0131% | 2,091 |
| Total risk-based capital ratio | 17.7834% | 2,192 |
| Memoranda: | ||
| Average total assets | $648,051,330 | 1,125 |
| Average earning assets | $618,256,000 | 1,094 |
| Average equity | $66,565,000 | 1,210 |
| Average total loans | $318,576,670 | 1,530 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5923% | 4,719 |
| Cost of funding earning assets | 0.3282% | 4,142 |
| Net interest margin | 3.2641% | 4,281 |
| Noninterest income to average assets | 0.7305% | 1,701 |
| Noninterest expense to average assets | 1.8764% | 5,059 |
| Loan and lease loss provision to assets | 0.0234% | 3,218 |
| Net operating income to assets | 1.4886% | 1,110 |
| Return on assets (ROA) | 1.4886% | 1,113 |
| Pretax return on assets | 1.9454% | 650 |
| Return on Equity (ROE) | 14.6434% | 867 |
| Retained earnings to average equity (ytd only) | 12.0118% | 680 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7977% | 5,155 |
| Assets per employee ($millions) | 6.4268% | 1,243 |
| Cash dividends to net income (ytd only)* | 17.9710% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 4,052 |
| Loan loss allowance to noncurrent loans | 3,185.4167% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 4,974 |
| Noncurrent loans to loans | 0.0309% | 4,841 |
| Net loans and leases to total assets | 47.9384% | 4,700 |
| Net loans and leases to deposits | 53.9333% | 4,798 |
| Net loans and leases to core deposits | 55.3894% | 4,858 |
| Total domestic deposits to total assets | 88.8847% | 1,155 |
| Equity capital to assets | 10.2887% | 3,298 |
| Core capital (leverage) ratio | 10.5313% | 2,908 |
| Tier 1 risk-based capital ratio | 17.3236% | 2,024 |
| Total risk-based capital ratio | 18.0865% | 2,113 |
| Memoranda: | ||
| Average total assets | $648,912,500 | 1,135 |
| Average earning assets | $619,219,500 | 1,102 |
| Average equity | $65,968,500 | 1,224 |
| Average total loans | $310,928,500 | 1,556 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4360% | 4,888 |
| Cost of funding earning assets | 0.2841% | 4,280 |
| Net interest margin | 3.1519% | 4,569 |
| Noninterest income to average assets | 0.7557% | 1,753 |
| Noninterest expense to average assets | 2.0055% | 4,949 |
| Loan and lease loss provision to assets | 0.0378% | 3,510 |
| Net operating income to assets | 1.0404% | 2,093 |
| Return on assets (ROA) | 1.0514% | 2,074 |
| Pretax return on assets | 1.7402% | 916 |
| Return on Equity (ROE) | 10.5472% | 1,658 |
| Retained earnings to average equity (ytd only) | 7.9004% | 801 |
| Net charge-offs to loans | 0.0062% | 3,859 |
| Credit loss provision to net charge-offs | 1,289.4737% | 299 |
| Earnings coverage of net charge-offs (x) | 600.6316% | 147 |
| Efficiency ratio | 53.2487% | 5,015 |
| Assets per employee ($millions) | 6.2395% | 1,357 |
| Cash dividends to net income (ytd only)* | 25.0954% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9720% | 4,097 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 5,102 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 46.9650% | 4,831 |
| Net loans and leases to deposits | 52.6910% | 4,949 |
| Net loans and leases to core deposits | 54.0337% | 5,001 |
| Total domestic deposits to total assets | 89.1328% | 942 |
| Equity capital to assets | 10.0457% | 3,652 |
| Core capital (leverage) ratio | 9.8978% | 3,586 |
| Tier 1 risk-based capital ratio | 16.8609% | 2,141 |
| Total risk-based capital ratio | 17.6191% | 2,247 |
| Memoranda: | ||
| Average total assets | $648,103,200 | 1,124 |
| Average earning assets | $619,057,400 | 1,090 |
| Average equity | $64,604,600 | 1,227 |
| Average total loans | $304,661,000 | 1,550 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3962% | 4,968 |
| Cost of funding earning assets | 0.2757% | 4,354 |
| Net interest margin | 3.1205% | 4,654 |
| Noninterest income to average assets | 0.7181% | 1,919 |
| Noninterest expense to average assets | 1.7893% | 5,285 |
| Loan and lease loss provision to assets | 0.0415% | 3,279 |
| Net operating income to assets | 1.2162% | 1,623 |
| Return on assets (ROA) | 1.2311% | 1,601 |
| Pretax return on assets | 1.8918% | 700 |
| Return on Equity (ROE) | 12.3746% | 1,223 |
| Retained earnings to average equity (ytd only) | 9.9569% | 596 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3635% | 5,323 |
| Assets per employee ($millions) | 6.5420% | 1,156 |
| Cash dividends to net income (ytd only)* | 19.5376% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9466% | 4,337 |
| Loan loss allowance to noncurrent loans | 4,047.2973% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 5,141 |
| Noncurrent loans to loans | 0.0234% | 5,018 |
| Net loans and leases to total assets | 47.9036% | 4,832 |
| Net loans and leases to deposits | 53.8179% | 4,972 |
| Net loans and leases to core deposits | 55.1721% | 5,033 |
| Total domestic deposits to total assets | 89.0105% | 884 |
| Equity capital to assets | 10.2489% | 3,641 |
| Core capital (leverage) ratio | 10.2921% | 3,211 |
| Tier 1 risk-based capital ratio | 17.1936% | 2,099 |
| Total risk-based capital ratio | 17.9601% | 2,202 |
| Memoranda: | ||
| Average total assets | $646,342,500 | 1,133 |
| Average earning assets | $617,581,250 | 1,096 |
| Average equity | $64,302,250 | 1,240 |
| Average total loans | $303,149,000 | 1,562 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3341% | 5,054 |
| Cost of funding earning assets | 0.2686% | 4,382 |
| Net interest margin | 3.0656% | 4,758 |
| Noninterest income to average assets | 0.6947% | 2,011 |
| Noninterest expense to average assets | 1.8244% | 5,283 |
| Loan and lease loss provision to assets | 0.0407% | 3,192 |
| Net operating income to assets | 1.1441% | 1,805 |
| Return on assets (ROA) | 1.1657% | 1,756 |
| Pretax return on assets | 1.7958% | 851 |
| Return on Equity (ROE) | 11.8384% | 1,350 |
| Retained earnings to average equity (ytd only) | 9.3868% | 733 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2912% | 5,290 |
| Assets per employee ($millions) | 6.2534% | 1,285 |
| Cash dividends to net income (ytd only)* | 20.7090% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 4,463 |
| Loan loss allowance to noncurrent loans | 618.3932% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 4,858 |
| Noncurrent loans to loans | 0.1522% | 4,504 |
| Net loans and leases to total assets | 47.8063% | 4,835 |
| Net loans and leases to deposits | 53.6222% | 4,979 |
| Net loans and leases to core deposits | 55.3206% | 5,030 |
| Total domestic deposits to total assets | 89.1539% | 881 |
| Equity capital to assets | 10.1499% | 3,734 |
| Core capital (leverage) ratio | 10.0728% | 3,440 |
| Tier 1 risk-based capital ratio | 16.8442% | 2,194 |
| Total risk-based capital ratio | 17.5981% | 2,319 |
| Memoranda: | ||
| Average total assets | $643,724,330 | 1,136 |
| Average earning assets | $615,874,670 | 1,100 |
| Average equity | $63,387,000 | 1,254 |
| Average total loans | $298,739,000 | 1,583 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2649% | 5,154 |
| Cost of funding earning assets | 0.2624% | 4,431 |
| Net interest margin | 3.0025% | 4,887 |
| Noninterest income to average assets | 0.6732% | 2,076 |
| Noninterest expense to average assets | 1.8193% | 5,349 |
| Loan and lease loss provision to assets | 0.0559% | 2,686 |
| Net operating income to assets | 1.0694% | 1,991 |
| Return on assets (ROA) | 1.1163% | 1,843 |
| Pretax return on assets | 1.7441% | 912 |
| Return on Equity (ROE) | 11.5142% | 1,400 |
| Retained earnings to average equity (ytd only) | 9.0203% | 1,072 |
| Net charge-offs to loans | -0.0014% | 3,980 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3059% | 5,303 |
| Assets per employee ($millions) | 6.4168% | 1,223 |
| Cash dividends to net income (ytd only)* | 21.6592% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9725% | 4,430 |
| Loan loss allowance to noncurrent loans | 1,780.8642% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 5,219 |
| Noncurrent loans to loans | 0.0546% | 4,976 |
| Net loans and leases to total assets | 45.7834% | 4,952 |
| Net loans and leases to deposits | 51.3028% | 5,057 |
| Net loans and leases to core deposits | 52.9323% | 5,112 |
| Total domestic deposits to total assets | 89.2415% | 1,037 |
| Equity capital to assets | 9.8749% | 3,902 |
| Core capital (leverage) ratio | 9.8793% | 3,648 |
| Tier 1 risk-based capital ratio | 16.9087% | 2,211 |
| Total risk-based capital ratio | 17.6735% | 2,334 |
| Memoranda: | ||
| Average total assets | $643,534,000 | 1,136 |
| Average earning assets | $615,762,500 | 1,097 |
| Average equity | $62,392,500 | 1,271 |
| Average total loans | $292,684,500 | 1,620 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3287% | 5,118 |
| Cost of funding earning assets | 0.2713% | 4,351 |
| Net interest margin | 3.0575% | 4,827 |
| Noninterest income to average assets | 0.8531% | 1,563 |
| Noninterest expense to average assets | 1.9572% | 5,273 |
| Loan and lease loss provision to assets | 0.0182% | 4,012 |
| Net operating income to assets | 1.2085% | 1,477 |
| Return on assets (ROA) | 1.2941% | 1,301 |
| Pretax return on assets | 1.9303% | 583 |
| Return on Equity (ROE) | 13.5486% | 859 |
| Retained earnings to average equity (ytd only) | 10.6158% | 346 |
| Net charge-offs to loans | 0.0035% | 4,139 |
| Credit loss provision to net charge-offs | 1,140.0000% | 347 |
| Earnings coverage of net charge-offs (x) | 1,140.1000% | 59 |
| Efficiency ratio | 51.8050% | 5,395 |
| Assets per employee ($millions) | 6.3900% | 1,212 |
| Cash dividends to net income (ytd only)* | 21.6463% | 3,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 4,488 |
| Loan loss allowance to noncurrent loans | 3,880.5556% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 5,360 |
| Noncurrent loans to loans | 0.0249% | 5,166 |
| Net loans and leases to total assets | 44.3001% | 5,097 |
| Net loans and leases to deposits | 49.4357% | 5,233 |
| Net loans and leases to core deposits | 50.8613% | 5,271 |
| Total domestic deposits to total assets | 89.6114% | 818 |
| Equity capital to assets | 9.5167% | 4,253 |
| Core capital (leverage) ratio | 9.4819% | 4,110 |
| Tier 1 risk-based capital ratio | 16.7505% | 2,252 |
| Total risk-based capital ratio | 17.5008% | 2,389 |
| Memoranda: | ||
| Average total assets | $626,157,200 | 1,124 |
| Average earning assets | $598,995,800 | 1,090 |
| Average equity | $59,807,000 | 1,293 |
| Average total loans | $288,378,000 | 1,568 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3523% | 5,119 |
| Cost of funding earning assets | 0.2717% | 4,368 |
| Net interest margin | 3.0806% | 4,824 |
| Noninterest income to average assets | 0.8085% | 1,725 |
| Noninterest expense to average assets | 1.7418% | 5,582 |
| Loan and lease loss provision to assets | 0.0369% | 3,509 |
| Net operating income to assets | 1.2818% | 1,345 |
| Return on assets (ROA) | 1.3763% | 1,182 |
| Pretax return on assets | 2.1218% | 446 |
| Return on Equity (ROE) | 14.3960% | 758 |
| Retained earnings to average equity (ytd only) | 11.3323% | 383 |
| Net charge-offs to loans | 0.0046% | 3,754 |
| Credit loss provision to net charge-offs | 1,720.0000% | 272 |
| Earnings coverage of net charge-offs (x) | 938.4111% | 87 |
| Efficiency ratio | 46.3855% | 5,654 |
| Assets per employee ($millions) | 6.4364% | 1,150 |
| Cash dividends to net income (ytd only)* | 21.2815% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 4,588 |
| Loan loss allowance to noncurrent loans | 2,970.8333% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 5,459 |
| Noncurrent loans to loans | 0.0325% | 5,248 |
| Net loans and leases to total assets | 46.3710% | 5,075 |
| Net loans and leases to deposits | 51.8554% | 5,208 |
| Net loans and leases to core deposits | 53.5151% | 5,239 |
| Total domestic deposits to total assets | 89.4237% | 714 |
| Equity capital to assets | 9.8421% | 4,311 |
| Core capital (leverage) ratio | 9.7328% | 3,897 |
| Tier 1 risk-based capital ratio | 16.4453% | 2,438 |
| Total risk-based capital ratio | 17.2132% | 2,578 |
| Memoranda: | ||
| Average total assets | $621,348,500 | 1,133 |
| Average earning assets | $594,287,000 | 1,100 |
| Average equity | $59,403,750 | 1,311 |
| Average total loans | $288,296,750 | 1,576 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3456% | 5,196 |
| Cost of funding earning assets | 0.2698% | 4,439 |
| Net interest margin | 3.0758% | 4,901 |
| Noninterest income to average assets | 0.7887% | 1,765 |
| Noninterest expense to average assets | 1.7826% | 5,612 |
| Loan and lease loss provision to assets | 0.0379% | 3,401 |
| Net operating income to assets | 1.2434% | 1,451 |
| Return on assets (ROA) | 1.3254% | 1,298 |
| Pretax return on assets | 2.0339% | 536 |
| Return on Equity (ROE) | 14.0041% | 827 |
| Retained earnings to average equity (ytd only) | 10.6680% | 485 |
| Net charge-offs to loans | -0.0014% | 4,338 |
| Credit loss provision to net charge-offs | -5,850.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8133% | 5,677 |
| Assets per employee ($millions) | 6.0059% | 1,396 |
| Cash dividends to net income (ytd only)* | 23.8223% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 4,776 |
| Loan loss allowance to noncurrent loans | 933.2226% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 5,331 |
| Noncurrent loans to loans | 0.1014% | 5,045 |
| Net loans and leases to total assets | 48.4854% | 4,951 |
| Net loans and leases to deposits | 54.2863% | 5,122 |
| Net loans and leases to core deposits | 56.0944% | 5,165 |
| Total domestic deposits to total assets | 89.3142% | 756 |
| Equity capital to assets | 9.9894% | 4,241 |
| Core capital (leverage) ratio | 9.5542% | 4,128 |
| Tier 1 risk-based capital ratio | 15.9027% | 2,692 |
| Total risk-based capital ratio | 16.6580% | 2,830 |
| Memoranda: | ||
| Average total assets | $618,209,000 | 1,142 |
| Average earning assets | $590,797,330 | 1,110 |
| Average equity | $58,511,330 | 1,328 |
| Average total loans | $285,947,330 | 1,589 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2836% | 5,349 |
| Cost of funding earning assets | 0.2666% | 4,537 |
| Net interest margin | 3.0170% | 5,077 |
| Noninterest income to average assets | 0.7743% | 1,711 |
| Noninterest expense to average assets | 1.7993% | 5,652 |
| Loan and lease loss provision to assets | 0.0263% | 3,325 |
| Net operating income to assets | 1.1555% | 1,692 |
| Return on assets (ROA) | 1.2827% | 1,385 |
| Pretax return on assets | 2.0275% | 536 |
| Return on Equity (ROE) | 13.9274% | 849 |
| Retained earnings to average equity (ytd only) | 11.2199% | 613 |
| Net charge-offs to loans | -0.0029% | 4,172 |
| Credit loss provision to net charge-offs | -2,050.0000% | 4,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2370% | 5,667 |
| Assets per employee ($millions) | 6.1146% | 1,329 |
| Cash dividends to net income (ytd only)* | 19.4403% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 4,867 |
| Loan loss allowance to noncurrent loans | 976.0714% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 5,403 |
| Noncurrent loans to loans | 0.0970% | 5,084 |
| Net loans and leases to total assets | 46.7439% | 5,067 |
| Net loans and leases to deposits | 52.1998% | 5,219 |
| Net loans and leases to core deposits | 54.0180% | 5,255 |
| Total domestic deposits to total assets | 89.5480% | 814 |
| Equity capital to assets | 9.6202% | 4,542 |
| Core capital (leverage) ratio | 9.3402% | 4,442 |
| Tier 1 risk-based capital ratio | 15.7886% | 2,787 |
| Total risk-based capital ratio | 16.5372% | 2,967 |
| Memoranda: | ||
| Average total assets | $624,018,000 | 1,131 |
| Average earning assets | $595,688,000 | 1,088 |
| Average equity | $57,469,500 | 1,350 |
| Average total loans | $280,462,500 | 1,615 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2756% | 5,386 |
| Cost of funding earning assets | 0.2774% | 4,507 |
| Net interest margin | 2.9982% | 5,141 |
| Noninterest income to average assets | 0.8570% | 1,585 |
| Noninterest expense to average assets | 1.8698% | 5,649 |
| Loan and lease loss provision to assets | 0.0145% | 4,119 |
| Net operating income to assets | 1.4423% | 959 |
| Return on assets (ROA) | 1.5192% | 866 |
| Pretax return on assets | 1.9422% | 608 |
| Return on Equity (ROE) | 15.6861% | 589 |
| Retained earnings to average equity (ytd only) | -1.1885% | 5,684 |
| Net charge-offs to loans | -0.0184% | 5,246 |
| Credit loss provision to net charge-offs | -176.4706% | 5,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1555% | 5,755 |
| Assets per employee ($millions) | 6.4956% | 1,103 |
| Cash dividends to net income (ytd only)* | 107.5766% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 4,686 |
| Loan loss allowance to noncurrent loans | 33,625.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 5,676 |
| Noncurrent loans to loans | 0.0029% | 5,552 |
| Net loans and leases to total assets | 42.3644% | 5,386 |
| Net loans and leases to deposits | 46.8592% | 5,526 |
| Net loans and leases to core deposits | 48.4898% | 5,544 |
| Total domestic deposits to total assets | 90.4078% | 471 |
| Equity capital to assets | 8.8152% | 5,292 |
| Core capital (leverage) ratio | 8.7736% | 5,139 |
| Tier 1 risk-based capital ratio | 15.8042% | 2,779 |
| Total risk-based capital ratio | 16.5630% | 2,971 |
| Memoranda: | ||
| Average total assets | $621,202,000 | 1,099 |
| Average earning assets | $594,818,400 | 1,052 |
| Average equity | $60,161,400 | 1,259 |
| Average total loans | $277,074,800 | 1,585 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2711% | 5,458 |
| Cost of funding earning assets | 0.2791% | 4,567 |
| Net interest margin | 2.9920% | 5,213 |
| Noninterest income to average assets | 0.8179% | 1,732 |
| Noninterest expense to average assets | 1.6474% | 5,948 |
| Loan and lease loss provision to assets | 0.0186% | 3,904 |
| Net operating income to assets | 1.5891% | 786 |
| Return on assets (ROA) | 1.6833% | 670 |
| Pretax return on assets | 2.1415% | 466 |
| Return on Equity (ROE) | 16.9875% | 470 |
| Retained earnings to average equity (ytd only) | 14.0669% | 205 |
| Net charge-offs to loans | -0.0268% | 5,305 |
| Credit loss provision to net charge-offs | -153.5714% | 5,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6657% | 6,014 |
| Assets per employee ($millions) | 6.3758% | 1,136 |
| Cash dividends to net income (ytd only)* | 17.1927% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9361% | 5,042 |
| Loan loss allowance to noncurrent loans | 5,382.0000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 5,742 |
| Noncurrent loans to loans | 0.0174% | 5,571 |
| Net loans and leases to total assets | 46.0447% | 5,225 |
| Net loans and leases to deposits | 51.8278% | 5,377 |
| Net loans and leases to core deposits | 53.6669% | 5,425 |
| Total domestic deposits to total assets | 88.8418% | 1,104 |
| Equity capital to assets | 10.4152% | 3,694 |
| Core capital (leverage) ratio | 10.2495% | 3,310 |
| Tier 1 risk-based capital ratio | 17.4501% | 2,204 |
| Total risk-based capital ratio | 18.1939% | 2,347 |
| Memoranda: | ||
| Average total assets | $617,359,500 | 1,108 |
| Average earning assets | $592,282,500 | 1,066 |
| Average equity | $61,173,000 | 1,237 |
| Average total loans | $278,251,000 | 1,576 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3794% | 5,271 |
| Cost of funding earning assets | 0.2789% | 4,624 |
| Net interest margin | 3.1005% | 4,970 |
| Noninterest income to average assets | 0.6891% | 2,257 |
| Noninterest expense to average assets | 1.6765% | 5,989 |
| Loan and lease loss provision to assets | 0.0237% | 3,664 |
| Net operating income to assets | 1.7264% | 600 |
| Return on assets (ROA) | 1.8541% | 483 |
| Pretax return on assets | 2.1138% | 486 |
| Return on Equity (ROE) | 19.0372% | 333 |
| Retained earnings to average equity (ytd only) | 15.8421% | 157 |
| Net charge-offs to loans | -0.0414% | 5,466 |
| Credit loss provision to net charge-offs | -128.0702% | 4,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6971% | 6,052 |
| Assets per employee ($millions) | 6.2011% | 1,213 |
| Cash dividends to net income (ytd only)* | 16.7832% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 5,111 |
| Loan loss allowance to noncurrent loans | 2,178.0488% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 5,775 |
| Noncurrent loans to loans | 0.0434% | 5,575 |
| Net loans and leases to total assets | 46.1496% | 5,233 |
| Net loans and leases to deposits | 51.7974% | 5,395 |
| Net loans and leases to core deposits | 53.6829% | 5,442 |
| Total domestic deposits to total assets | 89.0963% | 1,102 |
| Equity capital to assets | 10.1907% | 3,817 |
| Core capital (leverage) ratio | 9.9849% | 3,627 |
| Tier 1 risk-based capital ratio | 17.1271% | 2,358 |
| Total risk-based capital ratio | 17.8731% | 2,507 |
| Memoranda: | ||
| Average total assets | $616,995,670 | 1,118 |
| Average earning assets | $592,942,000 | 1,072 |
| Average equity | $60,093,000 | 1,278 |
| Average total loans | $275,183,000 | 1,599 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3014% | 5,451 |
| Cost of funding earning assets | 0.2787% | 4,681 |
| Net interest margin | 3.0227% | 5,148 |
| Noninterest income to average assets | 0.6621% | 2,351 |
| Noninterest expense to average assets | 1.6743% | 6,040 |
| Loan and lease loss provision to assets | 0.0849% | 2,274 |
| Net operating income to assets | 1.9954% | 344 |
| Return on assets (ROA) | 2.0874% | 306 |
| Pretax return on assets | 1.9046% | 713 |
| Return on Equity (ROE) | 21.9284% | 190 |
| Retained earnings to average equity (ytd only) | 19.3529% | 107 |
| Net charge-offs to loans | 0.0678% | 2,055 |
| Credit loss provision to net charge-offs | 286.9565% | 837 |
| Earnings coverage of net charge-offs (x) | 64.1087% | 696 |
| Efficiency ratio | 46.8744% | 6,073 |
| Assets per employee ($millions) | 6.2906% | 1,193 |
| Cash dividends to net income (ytd only)* | 11.7448% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 5,186 |
| Loan loss allowance to noncurrent loans | 759.3660% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 5,680 |
| Noncurrent loans to loans | 0.1273% | 5,318 |
| Net loans and leases to total assets | 43.7823% | 5,366 |
| Net loans and leases to deposits | 49.0837% | 5,508 |
| Net loans and leases to core deposits | 50.9323% | 5,547 |
| Total domestic deposits to total assets | 89.1991% | 1,141 |
| Equity capital to assets | 9.9089% | 4,259 |
| Core capital (leverage) ratio | 9.6308% | 4,111 |
| Tier 1 risk-based capital ratio | 18.4758% | 2,011 |
| Total risk-based capital ratio | 19.2925% | 2,077 |
| Memoranda: | ||
| Average total assets | $621,638,000 | 1,117 |
| Average earning assets | $598,406,000 | 1,065 |
| Average equity | $59,174,500 | 1,295 |
| Average total loans | $271,207,000 | 1,619 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3337% | 5,653 |
| Cost of funding earning assets | 0.3043% | 4,753 |
| Net interest margin | 3.0294% | 5,375 |
| Noninterest income to average assets | 0.7878% | 1,918 |
| Noninterest expense to average assets | 1.9035% | 5,935 |
| Loan and lease loss provision to assets | 0.0686% | 3,114 |
| Net operating income to assets | 1.6542% | 632 |
| Return on assets (ROA) | 1.7265% | 561 |
| Pretax return on assets | 1.7996% | 791 |
| Return on Equity (ROE) | 19.0771% | 308 |
| Retained earnings to average equity (ytd only) | 9.1551% | 673 |
| Net charge-offs to loans | 0.0633% | 3,585 |
| Credit loss provision to net charge-offs | 247.8788% | 1,028 |
| Earnings coverage of net charge-offs (x) | 64.8121% | 748 |
| Efficiency ratio | 51.4967% | 6,019 |
| Assets per employee ($millions) | 6.1451% | 1,282 |
| Cash dividends to net income (ytd only)* | 52.0101% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9445% | 5,309 |
| Loan loss allowance to noncurrent loans | 555.3377% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 5,707 |
| Noncurrent loans to loans | 0.1701% | 5,217 |
| Net loans and leases to total assets | 42.6488% | 5,569 |
| Net loans and leases to deposits | 47.3790% | 5,719 |
| Net loans and leases to core deposits | 49.2621% | 5,746 |
| Total domestic deposits to total assets | 90.0164% | 725 |
| Equity capital to assets | 9.1358% | 5,144 |
| Core capital (leverage) ratio | 8.8980% | 5,125 |
| Tier 1 risk-based capital ratio | 17.0247% | 2,504 |
| Total risk-based capital ratio | 17.7895% | 2,642 |
| Memoranda: | ||
| Average total assets | $596,474,000 | 1,114 |
| Average earning assets | $572,696,800 | 1,058 |
| Average equity | $53,981,000 | 1,350 |
| Average total loans | $260,594,600 | 1,627 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3324% | 5,704 |
| Cost of funding earning assets | 0.3073% | 4,815 |
| Net interest margin | 3.0251% | 5,449 |
| Noninterest income to average assets | 0.7320% | 2,174 |
| Noninterest expense to average assets | 1.6643% | 6,235 |
| Loan and lease loss provision to assets | 0.0849% | 2,659 |
| Net operating income to assets | 1.8119% | 506 |
| Return on assets (ROA) | 1.8758% | 456 |
| Pretax return on assets | 1.9507% | 640 |
| Return on Equity (ROE) | 20.7793% | 239 |
| Retained earnings to average equity (ytd only) | 10.9101% | 529 |
| Net charge-offs to loans | 0.0578% | 3,391 |
| Credit loss provision to net charge-offs | 334.8214% | 834 |
| Earnings coverage of net charge-offs (x) | 77.6516% | 717 |
| Efficiency ratio | 45.8063% | 6,299 |
| Assets per employee ($millions) | 6.2315% | 1,179 |
| Cash dividends to net income (ytd only)* | 47.4955% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9443% | 5,450 |
| Loan loss allowance to noncurrent loans | 762.0178% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 5,898 |
| Noncurrent loans to loans | 0.1239% | 5,554 |
| Net loans and leases to total assets | 44.5642% | 5,485 |
| Net loans and leases to deposits | 49.5286% | 5,679 |
| Net loans and leases to core deposits | 51.5666% | 5,712 |
| Total domestic deposits to total assets | 89.9767% | 741 |
| Equity capital to assets | 9.2560% | 5,075 |
| Core capital (leverage) ratio | 9.3891% | 4,526 |
| Tier 1 risk-based capital ratio | 16.7079% | 2,723 |
| Total risk-based capital ratio | 17.4721% | 2,903 |
| Memoranda: | ||
| Average total assets | $588,893,000 | 1,131 |
| Average earning assets | $564,816,250 | 1,084 |
| Average equity | $53,160,500 | 1,379 |
| Average total loans | $258,275,500 | 1,648 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2683% | 5,842 |
| Cost of funding earning assets | 0.3104% | 4,870 |
| Net interest margin | 2.9578% | 5,618 |
| Noninterest income to average assets | 0.7223% | 2,174 |
| Noninterest expense to average assets | 1.6902% | 6,277 |
| Loan and lease loss provision to assets | 0.1141% | 2,131 |
| Net operating income to assets | 1.6847% | 593 |
| Return on assets (ROA) | 1.7574% | 550 |
| Pretax return on assets | 1.8307% | 795 |
| Return on Equity (ROE) | 19.6396% | 308 |
| Retained earnings to average equity (ytd only) | 9.5919% | 819 |
| Net charge-offs to loans | 0.0875% | 2,819 |
| Credit loss provision to net charge-offs | 300.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 49.1441% | 922 |
| Efficiency ratio | 47.4875% | 6,310 |
| Assets per employee ($millions) | 6.1572% | 1,197 |
| Cash dividends to net income (ytd only)* | 51.1601% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 5,630 |
| Loan loss allowance to noncurrent loans | 850.8418% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 6,009 |
| Noncurrent loans to loans | 0.1094% | 5,687 |
| Net loans and leases to total assets | 45.5134% | 5,413 |
| Net loans and leases to deposits | 50.5253% | 5,600 |
| Net loans and leases to core deposits | 52.6434% | 5,634 |
| Total domestic deposits to total assets | 90.0804% | 768 |
| Equity capital to assets | 9.1487% | 5,160 |
| Core capital (leverage) ratio | 9.2308% | 4,694 |
| Tier 1 risk-based capital ratio | 16.4961% | 2,830 |
| Total risk-based capital ratio | 17.2637% | 3,016 |
| Memoranda: | ||
| Average total assets | $583,706,000 | 1,136 |
| Average earning assets | $559,868,330 | 1,091 |
| Average equity | $52,231,330 | 1,393 |
| Average total loans | $253,721,330 | 1,673 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1740% | 6,042 |
| Cost of funding earning assets | 0.3096% | 4,970 |
| Net interest margin | 2.8644% | 5,822 |
| Noninterest income to average assets | 0.7096% | 2,129 |
| Noninterest expense to average assets | 1.7613% | 6,267 |
| Loan and lease loss provision to assets | 0.1041% | 2,184 |
| Net operating income to assets | 1.5268% | 770 |
| Return on assets (ROA) | 1.5248% | 808 |
| Pretax return on assets | 1.5924% | 1,189 |
| Return on Equity (ROE) | 17.2369% | 510 |
| Retained earnings to average equity (ytd only) | 7.0086% | 2,042 |
| Net charge-offs to loans | 0.1830% | 1,622 |
| Credit loss provision to net charge-offs | 134.8214% | 1,349 |
| Earnings coverage of net charge-offs (x) | 21.9911% | 1,274 |
| Efficiency ratio | 50.9069% | 6,200 |
| Assets per employee ($millions) | 5.9368% | 1,347 |
| Cash dividends to net income (ytd only)* | 59.3397% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9431% | 5,725 |
| Loan loss allowance to noncurrent loans | 1,438.0368% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 6,123 |
| Noncurrent loans to loans | 0.0656% | 5,947 |
| Net loans and leases to total assets | 42.7542% | 5,606 |
| Net loans and leases to deposits | 47.4375% | 5,767 |
| Net loans and leases to core deposits | 49.5591% | 5,789 |
| Total domestic deposits to total assets | 90.1274% | 1,000 |
| Equity capital to assets | 9.0677% | 5,033 |
| Core capital (leverage) ratio | 9.1144% | 4,845 |
| Tier 1 risk-based capital ratio | 17.1857% | 2,605 |
| Total risk-based capital ratio | 17.9501% | 2,776 |
| Memoranda: | ||
| Average total assets | $580,014,000 | 1,149 |
| Average earning assets | $556,896,500 | 1,104 |
| Average equity | $51,308,500 | 1,413 |
| Average total loans | $244,806,000 | 1,723 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1368% | 6,205 |
| Cost of funding earning assets | 0.3400% | 5,241 |
| Net interest margin | 2.7967% | 5,987 |
| Noninterest income to average assets | 0.8039% | 2,068 |
| Noninterest expense to average assets | 1.8779% | 6,218 |
| Loan and lease loss provision to assets | 0.0252% | 4,625 |
| Net operating income to assets | 1.5254% | 780 |
| Return on assets (ROA) | 1.5972% | 714 |
| Pretax return on assets | 1.6621% | 1,030 |
| Return on Equity (ROE) | 18.0168% | 406 |
| Retained earnings to average equity (ytd only) | 9.0582% | 763 |
| Net charge-offs to loans | 0.0186% | 5,069 |
| Credit loss provision to net charge-offs | 318.1818% | 727 |
| Earnings coverage of net charge-offs (x) | 203.3182% | 221 |
| Efficiency ratio | 53.8009% | 6,154 |
| Assets per employee ($millions) | 6.0223% | 1,260 |
| Cash dividends to net income (ytd only)* | 49.7235% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9562% | 5,737 |
| Loan loss allowance to noncurrent loans | 893.4109% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 5,990 |
| Noncurrent loans to loans | 0.1070% | 5,886 |
| Net loans and leases to total assets | 40.8716% | 5,902 |
| Net loans and leases to deposits | 45.1770% | 6,065 |
| Net loans and leases to core deposits | 47.4050% | 6,068 |
| Total domestic deposits to total assets | 90.4699% | 833 |
| Equity capital to assets | 8.6276% | 5,453 |
| Core capital (leverage) ratio | 8.8763% | 5,170 |
| Tier 1 risk-based capital ratio | 18.4146% | 2,111 |
| Total risk-based capital ratio | 19.2340% | 2,219 |
| Memoranda: | ||
| Average total assets | $554,770,200 | 1,193 |
| Average earning assets | $532,906,000 | 1,136 |
| Average equity | $49,182,000 | 1,435 |
| Average total loans | $236,000,000 | 1,751 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1538% | 6,252 |
| Cost of funding earning assets | 0.3472% | 5,322 |
| Net interest margin | 2.8066% | 6,006 |
| Noninterest income to average assets | 0.7563% | 2,336 |
| Noninterest expense to average assets | 1.7010% | 6,467 |
| Loan and lease loss provision to assets | 0.0341% | 4,334 |
| Net operating income to assets | 1.6527% | 677 |
| Return on assets (ROA) | 1.7098% | 647 |
| Pretax return on assets | 1.7758% | 951 |
| Return on Equity (ROE) | 19.1493% | 362 |
| Retained earnings to average equity (ytd only) | 10.1366% | 760 |
| Net charge-offs to loans | 0.0210% | 4,710 |
| Credit loss provision to net charge-offs | 378.3784% | 699 |
| Earnings coverage of net charge-offs (x) | 194.2516% | 300 |
| Efficiency ratio | 49.2837% | 6,443 |
| Assets per employee ($millions) | 5.8933% | 1,312 |
| Cash dividends to net income (ytd only)* | 47.0655% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9730% | 5,829 |
| Loan loss allowance to noncurrent loans | 840.7273% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 6,221 |
| Noncurrent loans to loans | 0.1157% | 5,981 |
| Net loans and leases to total assets | 41.5900% | 5,926 |
| Net loans and leases to deposits | 45.9714% | 6,100 |
| Net loans and leases to core deposits | 48.1462% | 6,117 |
| Total domestic deposits to total assets | 90.4694% | 751 |
| Equity capital to assets | 8.6974% | 5,525 |
| Core capital (leverage) ratio | 9.1148% | 4,946 |
| Tier 1 risk-based capital ratio | 18.3667% | 2,190 |
| Total risk-based capital ratio | 19.1983% | 2,311 |
| Memoranda: | ||
| Average total assets | $547,423,000 | 1,225 |
| Average earning assets | $525,696,000 | 1,164 |
| Average equity | $48,877,750 | 1,456 |
| Average total loans | $234,735,000 | 1,758 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1533% | 6,289 |
| Cost of funding earning assets | 0.3548% | 5,352 |
| Net interest margin | 2.7985% | 6,002 |
| Noninterest income to average assets | 0.7641% | 2,355 |
| Noninterest expense to average assets | 1.7450% | 6,454 |
| Loan and lease loss provision to assets | 0.0610% | 3,790 |
| Net operating income to assets | 1.5842% | 765 |
| Return on assets (ROA) | 1.6708% | 723 |
| Pretax return on assets | 1.7354% | 1,045 |
| Return on Equity (ROE) | 18.5448% | 425 |
| Retained earnings to average equity (ytd only) | 9.5103% | 964 |
| Net charge-offs to loans | 0.0051% | 4,800 |
| Credit loss provision to net charge-offs | 2,750.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 769.6667% | 49 |
| Efficiency ratio | 50.5620% | 6,385 |
| Assets per employee ($millions) | 5.6473% | 1,462 |
| Cash dividends to net income (ytd only)* | 48.7174% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 5,895 |
| Loan loss allowance to noncurrent loans | 14,800.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 6,454 |
| Noncurrent loans to loans | 0.0066% | 6,422 |
| Net loans and leases to total assets | 44.1596% | 5,727 |
| Net loans and leases to deposits | 48.9593% | 5,923 |
| Net loans and leases to core deposits | 51.2767% | 5,937 |
| Total domestic deposits to total assets | 90.1966% | 914 |
| Equity capital to assets | 8.9340% | 5,287 |
| Core capital (leverage) ratio | 9.0884% | 4,842 |
| Tier 1 risk-based capital ratio | 18.0771% | 2,292 |
| Total risk-based capital ratio | 18.9390% | 2,406 |
| Memoranda: | ||
| Average total assets | $541,312,670 | 1,240 |
| Average earning assets | $519,774,000 | 1,186 |
| Average equity | $48,768,330 | 1,464 |
| Average total loans | $233,777,000 | 1,761 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0552% | 6,449 |
| Cost of funding earning assets | 0.3610% | 5,440 |
| Net interest margin | 2.6942% | 6,219 |
| Noninterest income to average assets | 0.7632% | 2,283 |
| Noninterest expense to average assets | 1.8177% | 6,417 |
| Loan and lease loss provision to assets | 0.0791% | 3,320 |
| Net operating income to assets | 1.3814% | 1,066 |
| Return on assets (ROA) | 1.3814% | 1,154 |
| Pretax return on assets | 1.4546% | 1,701 |
| Return on Equity (ROE) | 15.2692% | 702 |
| Retained earnings to average equity (ytd only) | 6.2695% | 2,527 |
| Net charge-offs to loans | -0.0017% | 5,154 |
| Credit loss provision to net charge-offs | -10,700.0000% | 5,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2365% | 6,207 |
| Assets per employee ($millions) | 5.6964% | 1,490 |
| Cash dividends to net income (ytd only)* | 58.9400% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 6,005 |
| Loan loss allowance to noncurrent loans | 912.2047% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 6,390 |
| Noncurrent loans to loans | 0.1089% | 6,156 |
| Net loans and leases to total assets | 42.6593% | 5,787 |
| Net loans and leases to deposits | 47.4118% | 5,967 |
| Net loans and leases to core deposits | 49.5964% | 6,000 |
| Total domestic deposits to total assets | 89.9762% | 1,070 |
| Equity capital to assets | 9.1278% | 5,336 |
| Core capital (leverage) ratio | 8.9048% | 5,049 |
| Tier 1 risk-based capital ratio | 18.0804% | 2,328 |
| Total risk-based capital ratio | 18.9512% | 2,448 |
| Memoranda: | ||
| Average total assets | $540,899,000 | 1,249 |
| Average earning assets | $519,631,500 | 1,195 |
| Average equity | $48,935,000 | 1,479 |
| Average total loans | $229,778,000 | 1,798 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3625% | 6,527 |
| Cost of funding earning assets | 0.4457% | 5,613 |
| Net interest margin | 2.9167% | 6,195 |
| Noninterest income to average assets | 0.9153% | 1,815 |
| Noninterest expense to average assets | 2.0588% | 6,210 |
| Loan and lease loss provision to assets | 0.0260% | 5,566 |
| Net operating income to assets | 1.5498% | 832 |
| Return on assets (ROA) | 1.7093% | 681 |
| Pretax return on assets | 1.7851% | 945 |
| Return on Equity (ROE) | 17.6453% | 472 |
| Retained earnings to average equity (ytd only) | 7.2705% | 1,439 |
| Net charge-offs to loans | -0.0083% | 6,442 |
| Credit loss provision to net charge-offs | -711.1111% | 6,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5854% | 6,108 |
| Assets per employee ($millions) | 5.7515% | 1,475 |
| Cash dividends to net income (ytd only)* | 58.7962% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9758% | 6,045 |
| Loan loss allowance to noncurrent loans | 1,307.1006% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 6,489 |
| Noncurrent loans to loans | 0.0747% | 6,297 |
| Net loans and leases to total assets | 41.4649% | 6,048 |
| Net loans and leases to deposits | 46.0643% | 6,250 |
| Net loans and leases to core deposits | 48.0802% | 6,266 |
| Total domestic deposits to total assets | 90.0153% | 942 |
| Equity capital to assets | 8.9661% | 5,557 |
| Core capital (leverage) ratio | 9.0064% | 4,891 |
| Tier 1 risk-based capital ratio | 19.0059% | 1,957 |
| Total risk-based capital ratio | 19.8927% | 2,023 |
| Memoranda: | ||
| Average total assets | $491,843,000 | 1,353 |
| Average earning assets | $470,219,400 | 1,296 |
| Average equity | $47,644,400 | 1,466 |
| Average total loans | $216,417,200 | 1,869 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4362% | 6,579 |
| Cost of funding earning assets | 0.4616% | 5,710 |
| Net interest margin | 2.9745% | 6,223 |
| Noninterest income to average assets | 0.8489% | 2,039 |
| Noninterest expense to average assets | 1.8597% | 6,600 |
| Loan and lease loss provision to assets | 0.0392% | 5,286 |
| Net operating income to assets | 1.7270% | 653 |
| Return on assets (ROA) | 1.9319% | 490 |
| Pretax return on assets | 2.0042% | 699 |
| Return on Equity (ROE) | 19.5342% | 359 |
| Retained earnings to average equity (ytd only) | 10.2477% | 851 |
| Net charge-offs to loans | -0.0081% | 6,330 |
| Credit loss provision to net charge-offs | -1,084.6154% | 6,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4031% | 6,558 |
| Assets per employee ($millions) | 5.3540% | 1,776 |
| Cash dividends to net income (ytd only)* | 47.5395% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9800% | 6,155 |
| Loan loss allowance to noncurrent loans | 1,759.5238% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 6,626 |
| Noncurrent loans to loans | 0.0557% | 6,477 |
| Net loans and leases to total assets | 44.9865% | 5,874 |
| Net loans and leases to deposits | 50.4741% | 6,079 |
| Net loans and leases to core deposits | 52.6874% | 6,136 |
| Total domestic deposits to total assets | 89.1278% | 1,355 |
| Equity capital to assets | 9.9032% | 4,641 |
| Core capital (leverage) ratio | 9.6900% | 3,981 |
| Tier 1 risk-based capital ratio | 19.0124% | 2,009 |
| Total risk-based capital ratio | 19.8993% | 2,089 |
| Memoranda: | ||
| Average total assets | $479,644,250 | 1,401 |
| Average earning assets | $458,056,250 | 1,351 |
| Average equity | $47,437,000 | 1,484 |
| Average total loans | $213,925,500 | 1,914 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4263% | 6,705 |
| Cost of funding earning assets | 0.4739% | 5,803 |
| Net interest margin | 2.9524% | 6,335 |
| Noninterest income to average assets | 0.8675% | 1,898 |
| Noninterest expense to average assets | 1.9022% | 6,591 |
| Loan and lease loss provision to assets | 0.0443% | 5,126 |
| Net operating income to assets | 1.6754% | 710 |
| Return on assets (ROA) | 1.8667% | 564 |
| Pretax return on assets | 1.9385% | 787 |
| Return on Equity (ROE) | 18.8838% | 423 |
| Retained earnings to average equity (ytd only) | 9.4718% | 1,122 |
| Net charge-offs to loans | -0.0086% | 6,251 |
| Credit loss provision to net charge-offs | -1,166.6667% | 6,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6099% | 6,532 |
| Assets per employee ($millions) | 5.2027% | 1,924 |
| Cash dividends to net income (ytd only)* | 49.8416% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 6,208 |
| Loan loss allowance to noncurrent loans | 2,473.8636% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 6,681 |
| Noncurrent loans to loans | 0.0399% | 6,581 |
| Net loans and leases to total assets | 45.6172% | 5,854 |
| Net loans and leases to deposits | 51.2525% | 6,081 |
| Net loans and leases to core deposits | 53.5233% | 6,128 |
| Total domestic deposits to total assets | 89.0048% | 1,502 |
| Equity capital to assets | 10.0001% | 4,342 |
| Core capital (leverage) ratio | 9.8267% | 3,677 |
| Tier 1 risk-based capital ratio | 18.9047% | 1,989 |
| Total risk-based capital ratio | 19.7975% | 2,077 |
| Memoranda: | ||
| Average total assets | $473,552,000 | 1,418 |
| Average earning assets | $452,039,000 | 1,367 |
| Average equity | $46,812,670 | 1,493 |
| Average total loans | $209,829,330 | 1,944 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3924% | 6,817 |
| Cost of funding earning assets | 0.4865% | 5,893 |
| Net interest margin | 2.9059% | 6,479 |
| Noninterest income to average assets | 0.8085% | 2,125 |
| Noninterest expense to average assets | 1.9541% | 6,544 |
| Loan and lease loss provision to assets | -0.0102% | 7,101 |
| Net operating income to assets | 1.5661% | 918 |
| Return on assets (ROA) | 1.6492% | 887 |
| Pretax return on assets | 1.7257% | 1,241 |
| Return on Equity (ROE) | 16.7824% | 704 |
| Retained earnings to average equity (ytd only) | 7.2678% | 2,293 |
| Net charge-offs to loans | -0.0117% | 5,996 |
| Credit loss provision to net charge-offs | 200.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5390% | 6,291 |
| Assets per employee ($millions) | 5.0501% | 2,194 |
| Cash dividends to net income (ytd only)* | 56.6941% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 6,236 |
| Loan loss allowance to noncurrent loans | 134.5324% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 6,050 |
| Noncurrent loans to loans | 0.7448% | 5,177 |
| Net loans and leases to total assets | 42.8100% | 6,117 |
| Net loans and leases to deposits | 48.0238% | 6,286 |
| Net loans and leases to core deposits | 50.2361% | 6,321 |
| Total domestic deposits to total assets | 89.1434% | 1,608 |
| Equity capital to assets | 9.8322% | 4,330 |
| Core capital (leverage) ratio | 9.5543% | 3,975 |
| Tier 1 risk-based capital ratio | 19.7978% | 1,758 |
| Total risk-based capital ratio | 20.7084% | 1,819 |
| Memoranda: | ||
| Average total assets | $471,006,000 | 1,422 |
| Average earning assets | $449,711,500 | 1,373 |
| Average equity | $46,286,500 | 1,503 |
| Average total loans | $204,483,500 | 1,984 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6843% | 6,863 |
| Cost of funding earning assets | 0.6217% | 5,981 |
| Net interest margin | 3.0626% | 6,422 |
| Noninterest income to average assets | 0.9759% | 1,436 |
| Noninterest expense to average assets | 2.1686% | 6,331 |
| Loan and lease loss provision to assets | 0.0384% | 6,089 |
| Net operating income to assets | 1.6157% | 645 |
| Return on assets (ROA) | 1.8115% | 483 |
| Pretax return on assets | 1.8908% | 676 |
| Return on Equity (ROE) | 18.0547% | 375 |
| Retained earnings to average equity (ytd only) | 8.0724% | 1,053 |
| Net charge-offs to loans | 0.0469% | 5,838 |
| Credit loss provision to net charge-offs | 179.7872% | 1,449 |
| Earnings coverage of net charge-offs (x) | 80.7447% | 367 |
| Efficiency ratio | 55.6918% | 6,351 |
| Assets per employee ($millions) | 5.0247% | 2,164 |
| Cash dividends to net income (ytd only)* | 55.2892% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 6,152 |
| Loan loss allowance to noncurrent loans | 144.9754% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 6,192 |
| Noncurrent loans to loans | 0.6986% | 5,300 |
| Net loans and leases to total assets | 43.1463% | 6,284 |
| Net loans and leases to deposits | 48.4551% | 6,469 |
| Net loans and leases to core deposits | 50.7200% | 6,491 |
| Total domestic deposits to total assets | 89.0440% | 1,511 |
| Equity capital to assets | 9.8220% | 4,413 |
| Core capital (leverage) ratio | 9.5208% | 3,991 |
| Tier 1 risk-based capital ratio | 19.5142% | 1,754 |
| Total risk-based capital ratio | 20.4317% | 1,812 |
| Memoranda: | ||
| Average total assets | $439,912,400 | 1,484 |
| Average earning assets | $419,155,800 | 1,430 |
| Average equity | $44,138,200 | 1,534 |
| Average total loans | $200,457,800 | 2,040 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7384% | 6,897 |
| Cost of funding earning assets | 0.6539% | 6,015 |
| Net interest margin | 3.0845% | 6,418 |
| Noninterest income to average assets | 0.8830% | 1,710 |
| Noninterest expense to average assets | 1.9679% | 6,758 |
| Loan and lease loss provision to assets | 0.0286% | 6,079 |
| Net operating income to assets | 1.7609% | 554 |
| Return on assets (ROA) | 2.0160% | 358 |
| Pretax return on assets | 2.0899% | 528 |
| Return on Equity (ROE) | 19.9789% | 320 |
| Retained earnings to average equity (ytd only) | 9.8979% | 871 |
| Net charge-offs to loans | 0.0114% | 5,993 |
| Credit loss provision to net charge-offs | 547.0588% | 501 |
| Earnings coverage of net charge-offs (x) | 353.9391% | 106 |
| Efficiency ratio | 51.5068% | 6,722 |
| Assets per employee ($millions) | 4.7873% | 2,489 |
| Cash dividends to net income (ytd only)* | 50.4581% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 6,170 |
| Loan loss allowance to noncurrent loans | 123.8152% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 6,128 |
| Noncurrent loans to loans | 0.8235% | 5,220 |
| Net loans and leases to total assets | 44.5223% | 6,279 |
| Net loans and leases to deposits | 50.3269% | 6,486 |
| Net loans and leases to core deposits | 53.1886% | 6,498 |
| Total domestic deposits to total assets | 88.4662% | 1,777 |
| Equity capital to assets | 10.2028% | 4,080 |
| Core capital (leverage) ratio | 9.9208% | 3,545 |
| Tier 1 risk-based capital ratio | 19.4535% | 1,827 |
| Total risk-based capital ratio | 20.3752% | 1,867 |
| Memoranda: | ||
| Average total assets | $433,066,000 | 1,516 |
| Average earning assets | $412,462,500 | 1,459 |
| Average equity | $43,698,250 | 1,554 |
| Average total loans | $199,651,000 | 2,066 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7720% | 6,949 |
| Cost of funding earning assets | 0.6821% | 6,059 |
| Net interest margin | 3.0900% | 6,428 |
| Noninterest income to average assets | 0.8483% | 1,810 |
| Noninterest expense to average assets | 2.0130% | 6,761 |
| Loan and lease loss provision to assets | 0.0182% | 6,060 |
| Net operating income to assets | 1.6914% | 612 |
| Return on assets (ROA) | 1.9012% | 441 |
| Pretax return on assets | 1.9779% | 612 |
| Return on Equity (ROE) | 18.9153% | 395 |
| Retained earnings to average equity (ytd only) | 8.6592% | 1,218 |
| Net charge-offs to loans | 0.0091% | 5,725 |
| Credit loss provision to net charge-offs | 433.3333% | 698 |
| Earnings coverage of net charge-offs (x) | 422.1111% | 76 |
| Efficiency ratio | 53.1046% | 6,704 |
| Assets per employee ($millions) | 4.8058% | 2,399 |
| Cash dividends to net income (ytd only)* | 54.2210% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 6,368 |
| Loan loss allowance to noncurrent loans | 110.3335% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.4229% | 6,085 |
| Noncurrent loans to loans | 0.8989% | 5,168 |
| Net loans and leases to total assets | 46.5773% | 6,206 |
| Net loans and leases to deposits | 52.6797% | 6,421 |
| Net loans and leases to core deposits | 55.2238% | 6,482 |
| Total domestic deposits to total assets | 88.4161% | 1,912 |
| Equity capital to assets | 10.2580% | 3,806 |
| Core capital (leverage) ratio | 9.8140% | 3,500 |
| Tier 1 risk-based capital ratio | 19.0141% | 1,845 |
| Total risk-based capital ratio | 19.9239% | 1,907 |
| Memoranda: | ||
| Average total assets | $427,419,330 | 1,545 |
| Average earning assets | $406,995,330 | 1,496 |
| Average equity | $42,960,000 | 1,558 |
| Average total loans | $198,729,000 | 2,096 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7378% | 7,025 |
| Cost of funding earning assets | 0.7100% | 6,083 |
| Net interest margin | 3.0277% | 6,514 |
| Noninterest income to average assets | 0.8040% | 2,020 |
| Noninterest expense to average assets | 2.0882% | 6,664 |
| Loan and lease loss provision to assets | -0.0122% | 7,447 |
| Net operating income to assets | 1.5400% | 798 |
| Return on assets (ROA) | 1.7850% | 532 |
| Pretax return on assets | 1.8726% | 712 |
| Return on Equity (ROE) | 17.9477% | 489 |
| Retained earnings to average equity (ytd only) | 7.5256% | 1,925 |
| Net charge-offs to loans | -0.0020% | 6,178 |
| Credit loss provision to net charge-offs | 1,300.0000% | 306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5816% | 6,435 |
| Assets per employee ($millions) | 4.7906% | 2,436 |
| Cash dividends to net income (ytd only)* | 58.0696% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 6,362 |
| Loan loss allowance to noncurrent loans | 346.0595% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 6,833 |
| Noncurrent loans to loans | 0.2914% | 6,403 |
| Net loans and leases to total assets | 44.9975% | 6,385 |
| Net loans and leases to deposits | 50.6642% | 6,575 |
| Net loans and leases to core deposits | 53.0636% | 6,620 |
| Total domestic deposits to total assets | 88.8151% | 1,885 |
| Equity capital to assets | 9.8605% | 3,955 |
| Core capital (leverage) ratio | 9.6749% | 3,561 |
| Tier 1 risk-based capital ratio | 19.2066% | 1,750 |
| Total risk-based capital ratio | 20.1298% | 1,800 |
| Memoranda: | ||
| Average total assets | $424,868,000 | 1,562 |
| Average earning assets | $405,054,500 | 1,507 |
| Average equity | $42,256,000 | 1,573 |
| Average total loans | $196,356,000 | 2,139 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1932% | 6,934 |
| Cost of funding earning assets | 0.9314% | 6,027 |
| Net interest margin | 3.2618% | 6,097 |
| Noninterest income to average assets | 1.0012% | 1,499 |
| Noninterest expense to average assets | 2.2665% | 6,443 |
| Loan and lease loss provision to assets | 0.0428% | 6,736 |
| Net operating income to assets | 1.7137% | 499 |
| Return on assets (ROA) | 1.9601% | 319 |
| Pretax return on assets | 2.0482% | 439 |
| Return on Equity (ROE) | 19.2141% | 302 |
| Retained earnings to average equity (ytd only) | 8.4544% | 853 |
| Net charge-offs to loans | 0.0409% | 6,397 |
| Credit loss provision to net charge-offs | 212.3457% | 1,437 |
| Earnings coverage of net charge-offs (x) | 90.9136% | 268 |
| Efficiency ratio | 55.2667% | 6,682 |
| Assets per employee ($millions) | 4.7032% | 2,553 |
| Cash dividends to net income (ytd only)* | 55.9990% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 6,335 |
| Loan loss allowance to noncurrent loans | 500.7557% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.1285% | 6,917 |
| Noncurrent loans to loans | 0.2018% | 6,662 |
| Net loans and leases to total assets | 46.5236% | 6,518 |
| Net loans and leases to deposits | 52.5833% | 6,706 |
| Net loans and leases to core deposits | 54.9576% | 6,754 |
| Total domestic deposits to total assets | 88.4761% | 1,958 |
| Equity capital to assets | 10.0334% | 3,707 |
| Core capital (leverage) ratio | 9.6646% | 3,468 |
| Tier 1 risk-based capital ratio | 18.8313% | 1,759 |
| Total risk-based capital ratio | 19.7599% | 1,804 |
| Memoranda: | ||
| Average total assets | $401,417,800 | 1,647 |
| Average earning assets | $381,474,800 | 1,581 |
| Average equity | $40,949,000 | 1,616 |
| Average total loans | $198,176,800 | 2,172 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2693% | 7,005 |
| Cost of funding earning assets | 0.9789% | 6,041 |
| Net interest margin | 3.2905% | 6,048 |
| Noninterest income to average assets | 0.9149% | 1,741 |
| Noninterest expense to average assets | 2.0477% | 6,962 |
| Loan and lease loss provision to assets | 0.0762% | 6,284 |
| Net operating income to assets | 1.8452% | 453 |
| Return on assets (ROA) | 2.1349% | 288 |
| Pretax return on assets | 2.2179% | 392 |
| Return on Equity (ROE) | 20.8384% | 264 |
| Retained earnings to average equity (ytd only) | 10.0112% | 791 |
| Net charge-offs to loans | 0.0201% | 6,392 |
| Credit loss provision to net charge-offs | 756.6667% | 392 |
| Earnings coverage of net charge-offs (x) | 197.7950% | 166 |
| Efficiency ratio | 50.6856% | 7,101 |
| Assets per employee ($millions) | 4.2129% | 3,427 |
| Cash dividends to net income (ytd only)* | 51.9578% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 6,178 |
| Loan loss allowance to noncurrent loans | 338.8350% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1512% | 6,978 |
| Noncurrent loans to loans | 0.3092% | 6,575 |
| Net loans and leases to total assets | 48.3998% | 6,482 |
| Net loans and leases to deposits | 54.8273% | 6,704 |
| Net loans and leases to core deposits | 57.4697% | 6,764 |
| Total domestic deposits to total assets | 88.2770% | 1,815 |
| Equity capital to assets | 10.3953% | 3,647 |
| Core capital (leverage) ratio | 9.8103% | 3,474 |
| Tier 1 risk-based capital ratio | 18.4266% | 1,889 |
| Total risk-based capital ratio | 19.3935% | 1,944 |
| Memoranda: | ||
| Average total assets | $397,126,500 | 1,687 |
| Average earning assets | $377,162,250 | 1,618 |
| Average equity | $40,686,750 | 1,632 |
| Average total loans | $198,539,000 | 2,198 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3212% | 7,012 |
| Cost of funding earning assets | 1.0113% | 6,091 |
| Net interest margin | 3.3098% | 5,983 |
| Noninterest income to average assets | 0.9357% | 1,561 |
| Noninterest expense to average assets | 2.0987% | 6,915 |
| Loan and lease loss provision to assets | 0.1073% | 5,841 |
| Net operating income to assets | 1.8056% | 482 |
| Return on assets (ROA) | 2.0942% | 304 |
| Pretax return on assets | 2.1725% | 425 |
| Return on Equity (ROE) | 20.5443% | 286 |
| Retained earnings to average equity (ytd only) | 9.5537% | 953 |
| Net charge-offs to loans | 0.0232% | 6,011 |
| Credit loss provision to net charge-offs | 917.3913% | 406 |
| Earnings coverage of net charge-offs (x) | 169.2174% | 209 |
| Efficiency ratio | 51.4653% | 7,119 |
| Assets per employee ($millions) | 4.6171% | 2,702 |
| Cash dividends to net income (ytd only)* | 53.4968% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 6,298 |
| Loan loss allowance to noncurrent loans | 377.0344% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 7,043 |
| Noncurrent loans to loans | 0.2715% | 6,687 |
| Net loans and leases to total assets | 50.7728% | 6,341 |
| Net loans and leases to deposits | 57.4900% | 6,615 |
| Net loans and leases to core deposits | 60.4244% | 6,679 |
| Total domestic deposits to total assets | 88.3159% | 1,821 |
| Equity capital to assets | 10.3581% | 3,577 |
| Core capital (leverage) ratio | 9.9501% | 3,222 |
| Tier 1 risk-based capital ratio | 17.4907% | 2,103 |
| Total risk-based capital ratio | 18.4314% | 2,169 |
| Memoranda: | ||
| Average total assets | $393,286,000 | 1,714 |
| Average earning assets | $373,370,670 | 1,653 |
| Average equity | $40,089,000 | 1,659 |
| Average total loans | $198,092,330 | 2,232 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2949% | 7,140 |
| Cost of funding earning assets | 1.0450% | 6,151 |
| Net interest margin | 3.2500% | 6,131 |
| Noninterest income to average assets | 0.9188% | 1,559 |
| Noninterest expense to average assets | 2.1053% | 6,925 |
| Loan and lease loss provision to assets | 0.1002% | 5,629 |
| Net operating income to assets | 1.7221% | 587 |
| Return on assets (ROA) | 2.0154% | 367 |
| Pretax return on assets | 2.1114% | 497 |
| Return on Equity (ROE) | 19.9348% | 387 |
| Retained earnings to average equity (ytd only) | 8.8049% | 1,458 |
| Net charge-offs to loans | 0.0020% | 5,596 |
| Credit loss provision to net charge-offs | 9,800.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 1,862.0000% | 6 |
| Efficiency ratio | 52.5242% | 7,100 |
| Assets per employee ($millions) | 4.5163% | 2,926 |
| Cash dividends to net income (ytd only)* | 55.8316% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 6,410 |
| Loan loss allowance to noncurrent loans | 343.2014% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 7,113 |
| Noncurrent loans to loans | 0.2942% | 6,735 |
| Net loans and leases to total assets | 49.7536% | 6,486 |
| Net loans and leases to deposits | 56.3033% | 6,751 |
| Net loans and leases to core deposits | 59.0088% | 6,815 |
| Total domestic deposits to total assets | 88.3672% | 1,870 |
| Equity capital to assets | 10.2200% | 3,575 |
| Core capital (leverage) ratio | 9.7710% | 3,432 |
| Tier 1 risk-based capital ratio | 17.4899% | 2,081 |
| Total risk-based capital ratio | 18.4144% | 2,166 |
| Memoranda: | ||
| Average total assets | $391,394,500 | 1,759 |
| Average earning assets | $372,066,500 | 1,697 |
| Average equity | $39,569,000 | 1,700 |
| Average total loans | $195,294,500 | 2,325 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9417% | 6,611 |
| Cost of funding earning assets | 1.2102% | 6,626 |
| Net interest margin | 3.7315% | 3,992 |
| Noninterest income to average assets | 1.0779% | 1,329 |
| Noninterest expense to average assets | 2.4995% | 6,132 |
| Loan and lease loss provision to assets | 0.0838% | 6,771 |
| Net operating income to assets | 1.9289% | 271 |
| Return on assets (ROA) | 1.9909% | 246 |
| Pretax return on assets | 2.0810% | 347 |
| Return on Equity (ROE) | 19.2378% | 287 |
| Retained earnings to average equity (ytd only) | 6.4108% | 1,185 |
| Net charge-offs to loans | 0.0766% | 6,347 |
| Credit loss provision to net charge-offs | 211.0345% | 1,817 |
| Earnings coverage of net charge-offs (x) | 52.9172% | 494 |
| Efficiency ratio | 54.3410% | 7,192 |
| Assets per employee ($millions) | 4.4813% | 2,963 |
| Cash dividends to net income (ytd only)* | 66.6758% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 6,479 |
| Loan loss allowance to noncurrent loans | 246.6840% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 6,969 |
| Noncurrent loans to loans | 0.3982% | 6,481 |
| Net loans and leases to total assets | 49.0437% | 6,726 |
| Net loans and leases to deposits | 55.4226% | 6,957 |
| Net loans and leases to core deposits | 63.6383% | 7,109 |
| Total domestic deposits to total assets | 88.4904% | 1,734 |
| Equity capital to assets | 9.9986% | 3,764 |
| Core capital (leverage) ratio | 9.6206% | 3,563 |
| Tier 1 risk-based capital ratio | 17.1721% | 2,111 |
| Total risk-based capital ratio | 18.0560% | 2,174 |
| Memoranda: | ||
| Average total assets | $365,355,400 | 1,858 |
| Average earning assets | $344,823,200 | 1,810 |
| Average equity | $37,811,000 | 1,770 |
| Average total loans | $189,317,400 | 2,413 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0642% | 6,401 |
| Cost of funding earning assets | 1.2353% | 6,777 |
| Net interest margin | 3.8289% | 3,530 |
| Noninterest income to average assets | 0.9873% | 1,654 |
| Noninterest expense to average assets | 2.2949% | 6,722 |
| Loan and lease loss provision to assets | 0.0624% | 6,740 |
| Net operating income to assets | 2.1532% | 205 |
| Return on assets (ROA) | 2.2362% | 185 |
| Pretax return on assets | 2.3242% | 276 |
| Return on Equity (ROE) | 21.4113% | 229 |
| Retained earnings to average equity (ytd only) | 8.0848% | 1,113 |
| Net charge-offs to loans | 0.0474% | 6,251 |
| Credit loss provision to net charge-offs | 250.7463% | 1,712 |
| Earnings coverage of net charge-offs (x) | 92.4937% | 383 |
| Efficiency ratio | 49.9435% | 7,559 |
| Assets per employee ($millions) | 4.2236% | 3,333 |
| Cash dividends to net income (ytd only)* | 62.2407% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 6,548 |
| Loan loss allowance to noncurrent loans | 71.2844% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 0.7013% | 5,729 |
| Noncurrent loans to loans | 1.3327% | 4,707 |
| Net loans and leases to total assets | 52.1254% | 6,589 |
| Net loans and leases to deposits | 59.3216% | 6,881 |
| Net loans and leases to core deposits | 67.2116% | 7,102 |
| Total domestic deposits to total assets | 87.8692% | 1,718 |
| Equity capital to assets | 10.6424% | 3,353 |
| Core capital (leverage) ratio | 10.0588% | 3,223 |
| Tier 1 risk-based capital ratio | 17.3695% | 2,159 |
| Total risk-based capital ratio | 18.2389% | 2,225 |
| Memoranda: | ||
| Average total assets | $359,225,500 | 1,906 |
| Average earning assets | $338,472,750 | 1,857 |
| Average equity | $37,518,250 | 1,808 |
| Average total loans | $188,370,250 | 2,445 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1489% | 6,255 |
| Cost of funding earning assets | 1.2440% | 6,979 |
| Net interest margin | 3.9050% | 3,093 |
| Noninterest income to average assets | 0.9902% | 1,630 |
| Noninterest expense to average assets | 2.3339% | 6,663 |
| Loan and lease loss provision to assets | 0.0987% | 6,185 |
| Net operating income to assets | 2.1432% | 219 |
| Return on assets (ROA) | 2.1836% | 221 |
| Pretax return on assets | 2.2700% | 312 |
| Return on Equity (ROE) | 21.0441% | 279 |
| Retained earnings to average equity (ytd only) | 7.5266% | 1,379 |
| Net charge-offs to loans | 0.0536% | 5,740 |
| Credit loss provision to net charge-offs | 352.0000% | 1,318 |
| Earnings coverage of net charge-offs (x) | 82.9400% | 464 |
| Efficiency ratio | 50.0782% | 7,665 |
| Assets per employee ($millions) | 4.0962% | 3,505 |
| Cash dividends to net income (ytd only)* | 64.2343% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9452% | 6,577 |
| Loan loss allowance to noncurrent loans | 89.1762% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.5793% | 5,971 |
| Noncurrent loans to loans | 1.0599% | 5,093 |
| Net loans and leases to total assets | 54.1327% | 6,433 |
| Net loans and leases to deposits | 61.6346% | 6,762 |
| Net loans and leases to core deposits | 69.7779% | 7,030 |
| Total domestic deposits to total assets | 87.8285% | 1,849 |
| Equity capital to assets | 10.5201% | 3,379 |
| Core capital (leverage) ratio | 10.1325% | 3,157 |
| Tier 1 risk-based capital ratio | 16.5160% | 2,443 |
| Total risk-based capital ratio | 17.3746% | 2,532 |
| Memoranda: | ||
| Average total assets | $356,482,670 | 1,945 |
| Average earning assets | $335,060,000 | 1,892 |
| Average equity | $36,989,000 | 1,846 |
| Average total loans | $186,702,330 | 2,495 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2164% | 6,229 |
| Cost of funding earning assets | 1.2598% | 7,148 |
| Net interest margin | 3.9566% | 2,827 |
| Noninterest income to average assets | 0.9377% | 1,702 |
| Noninterest expense to average assets | 2.3211% | 6,463 |
| Loan and lease loss provision to assets | 0.0474% | 6,381 |
| Net operating income to assets | 2.1911% | 236 |
| Return on assets (ROA) | 2.2680% | 242 |
| Pretax return on assets | 2.3527% | 331 |
| Return on Equity (ROE) | 22.0135% | 307 |
| Retained earnings to average equity (ytd only) | 8.3235% | 1,695 |
| Net charge-offs to loans | 0.0925% | 4,253 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 48.9524% | 740 |
| Efficiency ratio | 50.0122% | 7,587 |
| Assets per employee ($millions) | 3.9207% | 3,829 |
| Cash dividends to net income (ytd only)* | 62.1891% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 6,520 |
| Loan loss allowance to noncurrent loans | 78.3394% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 0.6280% | 5,607 |
| Noncurrent loans to loans | 1.2079% | 4,554 |
| Net loans and leases to total assets | 51.5020% | 6,730 |
| Net loans and leases to deposits | 58.5297% | 7,001 |
| Net loans and leases to core deposits | 66.2260% | 7,231 |
| Total domestic deposits to total assets | 87.9930% | 1,749 |
| Equity capital to assets | 10.5217% | 3,438 |
| Core capital (leverage) ratio | 10.0958% | 3,295 |
| Tier 1 risk-based capital ratio | 17.0296% | 2,331 |
| Total risk-based capital ratio | 17.8698% | 2,400 |
| Memoranda: | ||
| Average total assets | $354,492,000 | 1,960 |
| Average earning assets | $331,802,500 | 1,908 |
| Average equity | $36,523,000 | 1,872 |
| Average total loans | $181,558,000 | 2,573 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7301% | 6,678 |
| Cost of funding earning assets | 1.8941% | 6,741 |
| Net interest margin | 3.8361% | 3,862 |
| Noninterest income to average assets | 1.1791% | 1,099 |
| Noninterest expense to average assets | 2.4440% | 6,238 |
| Loan and lease loss provision to assets | 0.0909% | 6,243 |
| Net operating income to assets | 2.1460% | 262 |
| Return on assets (ROA) | 2.0978% | 275 |
| Pretax return on assets | 2.1781% | 419 |
| Return on Equity (ROE) | 21.5187% | 276 |
| Retained earnings to average equity (ytd only) | 7.2494% | 1,072 |
| Net charge-offs to loans | 0.0733% | 5,712 |
| Credit loss provision to net charge-offs | 245.7364% | 1,899 |
| Earnings coverage of net charge-offs (x) | 62.6822% | 643 |
| Efficiency ratio | 51.3097% | 7,561 |
| Assets per employee ($millions) | 4.0469% | 3,418 |
| Cash dividends to net income (ytd only)* | 66.3112% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 6,291 |
| Loan loss allowance to noncurrent loans | 75.0540% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 0.6495% | 5,269 |
| Noncurrent loans to loans | 1.2875% | 3,937 |
| Net loans and leases to total assets | 49.9584% | 7,039 |
| Net loans and leases to deposits | 56.8343% | 7,274 |
| Net loans and leases to core deposits | 63.7107% | 7,457 |
| Total domestic deposits to total assets | 87.9020% | 1,512 |
| Equity capital to assets | 10.0861% | 3,934 |
| Core capital (leverage) ratio | 9.6363% | 3,838 |
| Tier 1 risk-based capital ratio | 16.5103% | 2,483 |
| Total risk-based capital ratio | 17.3429% | 2,568 |
| Memoranda: | ||
| Average total assets | $348,646,800 | 1,908 |
| Average earning assets | $325,751,400 | 1,872 |
| Average equity | $33,989,000 | 1,993 |
| Average total loans | $176,002,400 | 2,550 |