Home > First Kentucky Bank, Inc. > Performance and Condition Ratios
First Kentucky Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5046% | 3,090 |
| Cost of funding earning assets | 1.5212% | 1,890 |
| Net interest margin | 2.9834% | 3,321 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.5449% | 2,172 |
| Loan and lease loss provision to assets | -0.1200% | 4,532 |
| Net operating income to assets | 1.0557% | 2,054 |
| Return on assets (ROA) | 1.0557% | 2,017 |
| Pretax return on assets | 1.0557% | 2,520 |
| Return on Equity (ROE) | 18.2600% | 787 |
| Retained earnings to average equity (ytd only) | 6.5579% | 2,037 |
| Net charge-offs to loans | 0.0193% | 1,967 |
| Credit loss provision to net charge-offs | -1,013.8462% | 4,565 |
| Earnings coverage of net charge-offs (x) | 81.2615% | 1,014 |
| Efficiency ratio | 73.0565% | 1,549 |
| Assets per employee ($millions) | 5.2802% | 3,410 |
| Cash dividends to net income (ytd only)* | 64.0801% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 1,637 |
| Loan loss allowance to noncurrent loans | 1,913.1148% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 3,320 |
| Noncurrent loans to loans | 0.0697% | 3,214 |
| Net loans and leases to total assets | 61.1500% | 2,747 |
| Net loans and leases to deposits | 68.3531% | 3,001 |
| Net loans and leases to core deposits | 77.6471% | 2,868 |
| Total domestic deposits to total assets | 89.4500% | 926 |
| Equity capital to assets | 6.2108% | 4,192 |
| Core capital (leverage) ratio | 8.7187% | 3,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8486% | 1,917 |
| Memoranda: | ||
| Average total assets | $562,776,400 | 1,574 |
| Average earning assets | $526,304,000 | 1,559 |
| Average equity | $32,541,000 | 2,164 |
| Average total loans | $336,698,000 | 1,658 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4044% | 3,091 |
| Cost of funding earning assets | 1.3922% | 1,893 |
| Net interest margin | 3.0122% | 3,321 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 2.4554% | 2,360 |
| Loan and lease loss provision to assets | -0.1600% | 4,579 |
| Net operating income to assets | 1.1974% | 1,806 |
| Return on assets (ROA) | 1.1974% | 1,792 |
| Pretax return on assets | 1.1974% | 2,305 |
| Return on Equity (ROE) | 21.1000% | 628 |
| Retained earnings to average equity (ytd only) | 9.2526% | 1,618 |
| Net charge-offs to loans | 0.0052% | 2,278 |
| Credit loss provision to net charge-offs | -5,061.5385% | 4,624 |
| Earnings coverage of net charge-offs (x) | 337.7692% | 416 |
| Efficiency ratio | 70.2204% | 1,760 |
| Assets per employee ($millions) | 5.2137% | 3,422 |
| Cash dividends to net income (ytd only)* | 56.1497% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 1,489 |
| Loan loss allowance to noncurrent loans | 1,242.3684% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 3,149 |
| Noncurrent loans to loans | 0.1118% | 3,017 |
| Net loans and leases to total assets | 60.6400% | 2,781 |
| Net loans and leases to deposits | 65.8039% | 3,147 |
| Net loans and leases to core deposits | 71.1506% | 3,160 |
| Total domestic deposits to total assets | 92.1600% | 422 |
| Equity capital to assets | 5.3915% | 4,171 |
| Core capital (leverage) ratio | 8.8163% | 3,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2380% | 1,805 |
| Memoranda: | ||
| Average total assets | $562,225,500 | 1,573 |
| Average earning assets | $525,004,250 | 1,561 |
| Average equity | $31,903,750 | 2,171 |
| Average total loans | $333,341,000 | 1,666 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2902% | 3,116 |
| Cost of funding earning assets | 1.2693% | 1,793 |
| Net interest margin | 3.0209% | 3,375 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 2.3919% | 2,515 |
| Loan and lease loss provision to assets | -0.0700% | 4,532 |
| Net operating income to assets | 1.1641% | 1,937 |
| Return on assets (ROA) | 1.1641% | 1,931 |
| Pretax return on assets | 1.1641% | 2,465 |
| Return on Equity (ROE) | 20.1900% | 687 |
| Retained earnings to average equity (ytd only) | 8.8388% | 1,723 |
| Net charge-offs to loans | 0.0085% | 1,889 |
| Credit loss provision to net charge-offs | -1,514.2857% | 4,633 |
| Earnings coverage of net charge-offs (x) | 219.9286% | 558 |
| Efficiency ratio | 68.7125% | 1,895 |
| Assets per employee ($millions) | 5.2370% | 3,372 |
| Cash dividends to net income (ytd only)* | 56.2139% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 1,088 |
| Loan loss allowance to noncurrent loans | 1,806.2937% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 3,271 |
| Noncurrent loans to loans | 0.0847% | 3,083 |
| Net loans and leases to total assets | 58.7600% | 2,889 |
| Net loans and leases to deposits | 64.4877% | 3,164 |
| Net loans and leases to core deposits | 68.5076% | 3,207 |
| Total domestic deposits to total assets | 91.1200% | 618 |
| Equity capital to assets | 5.7419% | 4,219 |
| Core capital (leverage) ratio | 8.5777% | 4,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1965% | 1,816 |
| Memoranda: | ||
| Average total assets | $565,416,667 | 1,569 |
| Average earning assets | $526,599,667 | 1,563 |
| Average equity | $32,606,333 | 2,159 |
| Average total loans | $331,162,667 | 1,667 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1827% | 3,080 |
| Cost of funding earning assets | 1.1511% | 1,591 |
| Net interest margin | 3.0316% | 3,521 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.3661% | 2,621 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0882% | 2,267 |
| Return on assets (ROA) | 1.0882% | 2,234 |
| Pretax return on assets | 1.0882% | 2,738 |
| Return on Equity (ROE) | 18.8300% | 910 |
| Retained earnings to average equity (ytd only) | 8.2396% | 2,155 |
| Net charge-offs to loans | 0.0207% | 1,262 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 90.4706% | 836 |
| Efficiency ratio | 68.4965% | 1,918 |
| Assets per employee ($millions) | 5.3830% | 3,334 |
| Cash dividends to net income (ytd only)* | 56.2419% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6342% | 939 |
| Loan loss allowance to noncurrent loans | 1,378.2051% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 2,943 |
| Noncurrent loans to loans | 0.1186% | 2,925 |
| Net loans and leases to total assets | 57.2400% | 2,940 |
| Net loans and leases to deposits | 62.8811% | 3,172 |
| Net loans and leases to core deposits | 66.7991% | 3,170 |
| Total domestic deposits to total assets | 91.0300% | 789 |
| Equity capital to assets | 6.0396% | 4,189 |
| Core capital (leverage) ratio | 8.5138% | 4,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2919% | 1,865 |
| Memoranda: | ||
| Average total assets | $565,325,000 | 1,585 |
| Average earning assets | $524,738,000 | 1,581 |
| Average equity | $32,671,500 | 2,176 |
| Average total loans | $327,984,500 | 1,690 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7159% | 2,483 |
| Cost of funding earning assets | 0.5021% | 1,377 |
| Net interest margin | 3.2138% | 2,833 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.3818% | 2,473 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.2682% | 1,535 |
| Return on assets (ROA) | 1.2682% | 1,488 |
| Pretax return on assets | 1.2682% | 2,206 |
| Return on Equity (ROE) | 19.4600% | 527 |
| Retained earnings to average equity (ytd only) | 7.6042% | 1,985 |
| Net charge-offs to loans | 0.0129% | 1,898 |
| Credit loss provision to net charge-offs | 243.9024% | 1,009 |
| Earnings coverage of net charge-offs (x) | 174.0000% | 719 |
| Efficiency ratio | 64.9349% | 2,371 |
| Assets per employee ($millions) | 5.2844% | 3,438 |
| Cash dividends to net income (ytd only)* | 60.9326% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7508% | 727 |
| Loan loss allowance to noncurrent loans | 1,088.5932% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.0930% | 2,898 |
| Noncurrent loans to loans | 0.1608% | 2,688 |
| Net loans and leases to total assets | 56.8300% | 2,933 |
| Net loans and leases to deposits | 61.9579% | 3,201 |
| Net loans and leases to core deposits | 65.6378% | 3,157 |
| Total domestic deposits to total assets | 91.7200% | 709 |
| Equity capital to assets | 5.5189% | 4,236 |
| Core capital (leverage) ratio | 8.4050% | 4,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0155% | 1,975 |
| Memoranda: | ||
| Average total assets | $554,657,000 | 1,597 |
| Average earning assets | $519,387,800 | 1,582 |
| Average equity | $36,138,000 | 2,064 |
| Average total loans | $317,378,000 | 1,648 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6163% | 2,300 |
| Cost of funding earning assets | 0.3985% | 1,298 |
| Net interest margin | 3.2178% | 2,573 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.2977% | 2,633 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.3515% | 1,211 |
| Return on assets (ROA) | 1.3515% | 1,187 |
| Pretax return on assets | 1.3515% | 1,880 |
| Return on Equity (ROE) | 19.9600% | 436 |
| Retained earnings to average equity (ytd only) | 8.6304% | 1,776 |
| Net charge-offs to loans | -0.0059% | 3,529 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.5501% | 2,757 |
| Assets per employee ($millions) | 5.0933% | 3,597 |
| Cash dividends to net income (ytd only)* | 56.7650% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8007% | 726 |
| Loan loss allowance to noncurrent loans | 979.8305% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 2,891 |
| Noncurrent loans to loans | 0.1838% | 2,663 |
| Net loans and leases to total assets | 57.3100% | 2,769 |
| Net loans and leases to deposits | 62.5196% | 2,983 |
| Net loans and leases to core deposits | 65.9130% | 2,959 |
| Total domestic deposits to total assets | 91.6700% | 983 |
| Equity capital to assets | 5.4001% | 4,162 |
| Core capital (leverage) ratio | 8.4622% | 4,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1714% | 1,982 |
| Memoranda: | ||
| Average total assets | $551,962,500 | 1,611 |
| Average earning assets | $517,942,250 | 1,595 |
| Average equity | $37,371,000 | 2,048 |
| Average total loans | $314,959,000 | 1,651 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5264% | 2,051 |
| Cost of funding earning assets | 0.3566% | 1,211 |
| Net interest margin | 3.1698% | 2,289 |
| Noninterest income to average assets | 0.6294% | 1,622 |
| Noninterest expense to average assets | 2.3341% | 2,446 |
| Loan and lease loss provision to assets | 0.0181% | 2,278 |
| Net operating income to assets | 1.2498% | 1,276 |
| Return on assets (ROA) | 1.2498% | 1,263 |
| Pretax return on assets | 1.2498% | 1,901 |
| Return on Equity (ROE) | 17.2969% | 534 |
| Retained earnings to average equity (ytd only) | 7.4738% | 1,824 |
| Net charge-offs to loans | -0.0083% | 3,526 |
| Credit loss provision to net charge-offs | -384.6154% | 3,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8010% | 2,666 |
| Assets per employee ($millions) | 5.1358% | 3,556 |
| Cash dividends to net income (ytd only)* | 56.7912% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8180% | 787 |
| Loan loss allowance to noncurrent loans | 940.8867% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 2,929 |
| Noncurrent loans to loans | 0.1932% | 2,739 |
| Net loans and leases to total assets | 56.3117% | 2,723 |
| Net loans and leases to deposits | 62.5361% | 2,846 |
| Net loans and leases to core deposits | 65.8021% | 2,839 |
| Total domestic deposits to total assets | 90.0466% | 1,695 |
| Equity capital to assets | 6.1032% | 4,176 |
| Core capital (leverage) ratio | 8.1857% | 4,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1212% | 2,005 |
| Memoranda: | ||
| Average total assets | $552,589,667 | 1,619 |
| Average earning assets | $518,205,333 | 1,612 |
| Average equity | $39,926,333 | 1,993 |
| Average total loans | $312,931,000 | 1,659 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4548% | 1,937 |
| Cost of funding earning assets | 0.3580% | 1,144 |
| Net interest margin | 3.0967% | 2,186 |
| Noninterest income to average assets | 0.5818% | 1,773 |
| Noninterest expense to average assets | 2.2991% | 2,506 |
| Loan and lease loss provision to assets | 0.0361% | 1,709 |
| Net operating income to assets | 1.1499% | 1,376 |
| Return on assets (ROA) | 1.1499% | 1,377 |
| Pretax return on assets | 1.1499% | 1,979 |
| Return on Equity (ROE) | 14.7774% | 688 |
| Retained earnings to average equity (ytd only) | 6.5584% | 2,054 |
| Net charge-offs to loans | -0.0090% | 3,542 |
| Credit loss provision to net charge-offs | -714.2857% | 3,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9693% | 2,774 |
| Assets per employee ($millions) | 5.5638% | 3,260 |
| Cash dividends to net income (ytd only)* | 55.6183% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8293% | 836 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 3,149 |
| Noncurrent loans to loans | 0.1524% | 3,041 |
| Net loans and leases to total assets | 53.6018% | 2,810 |
| Net loans and leases to deposits | 60.5596% | 2,850 |
| Net loans and leases to core deposits | 64.0149% | 2,795 |
| Total domestic deposits to total assets | 88.5108% | 2,291 |
| Equity capital to assets | 6.8862% | 4,268 |
| Core capital (leverage) ratio | 8.1251% | 4,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0019% | 2,202 |
| Memoranda: | ||
| Average total assets | $554,119,000 | 1,617 |
| Average earning assets | $519,515,500 | 1,616 |
| Average equity | $43,120,000 | 1,946 |
| Average total loans | $311,806,500 | 1,651 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8057% | 1,851 |
| Cost of funding earning assets | 0.4676% | 1,077 |
| Net interest margin | 3.3381% | 2,215 |
| Noninterest income to average assets | 0.7142% | 1,714 |
| Noninterest expense to average assets | 2.5949% | 1,884 |
| Loan and lease loss provision to assets | 0.0807% | 1,517 |
| Net operating income to assets | 1.1574% | 2,072 |
| Return on assets (ROA) | 1.1643% | 2,107 |
| Pretax return on assets | 1.1643% | 2,779 |
| Return on Equity (ROE) | 12.7339% | 1,558 |
| Retained earnings to average equity (ytd only) | 3.8855% | 3,266 |
| Net charge-offs to loans | -0.0205% | 3,992 |
| Credit loss provision to net charge-offs | -646.1538% | 3,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6988% | 2,029 |
| Assets per employee ($millions) | 5.1958% | 3,558 |
| Cash dividends to net income (ytd only)* | 69.4871% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8239% | 823 |
| Loan loss allowance to noncurrent loans | 1,198.0973% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 3,238 |
| Noncurrent loans to loans | 0.1522% | 3,179 |
| Net loans and leases to total assets | 57.0000% | 2,479 |
| Net loans and leases to deposits | 66.1478% | 2,501 |
| Net loans and leases to core deposits | 70.2659% | 2,417 |
| Total domestic deposits to total assets | 86.1707% | 2,848 |
| Equity capital to assets | 8.7406% | 3,851 |
| Core capital (leverage) ratio | 8.6739% | 3,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1551% | 2,183 |
| Memoranda: | ||
| Average total assets | $520,721,800 | 1,648 |
| Average earning assets | $486,503,600 | 1,645 |
| Average equity | $47,613,200 | 1,835 |
| Average total loans | $317,197,400 | 1,635 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8859% | 1,800 |
| Cost of funding earning assets | 0.4909% | 1,097 |
| Net interest margin | 3.3950% | 2,167 |
| Noninterest income to average assets | 0.7253% | 1,750 |
| Noninterest expense to average assets | 2.4948% | 2,131 |
| Loan and lease loss provision to assets | 0.0812% | 1,460 |
| Net operating income to assets | 1.3214% | 1,752 |
| Return on assets (ROA) | 1.3307% | 1,791 |
| Pretax return on assets | 1.3307% | 2,541 |
| Return on Equity (ROE) | 14.3890% | 1,287 |
| Retained earnings to average equity (ytd only) | 5.1411% | 3,165 |
| Net charge-offs to loans | -0.0456% | 4,308 |
| Credit loss provision to net charge-offs | -288.9908% | 3,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0116% | 2,381 |
| Assets per employee ($millions) | 5.1775% | 3,527 |
| Cash dividends to net income (ytd only)* | 64.2705% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8276% | 884 |
| Loan loss allowance to noncurrent loans | 1,377.3956% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 3,583 |
| Noncurrent loans to loans | 0.1327% | 3,446 |
| Net loans and leases to total assets | 57.5855% | 2,549 |
| Net loans and leases to deposits | 67.3619% | 2,504 |
| Net loans and leases to core deposits | 72.0399% | 2,421 |
| Total domestic deposits to total assets | 85.4868% | 2,951 |
| Equity capital to assets | 9.1429% | 3,707 |
| Core capital (leverage) ratio | 8.6699% | 3,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4251% | 2,193 |
| Memoranda: | ||
| Average total assets | $517,110,250 | 1,675 |
| Average earning assets | $483,167,500 | 1,667 |
| Average equity | $47,822,250 | 1,851 |
| Average total loans | $318,818,500 | 1,657 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7669% | 2,151 |
| Cost of funding earning assets | 0.5072% | 1,156 |
| Net interest margin | 3.2598% | 2,586 |
| Noninterest income to average assets | 0.7209% | 1,743 |
| Noninterest expense to average assets | 2.4178% | 2,403 |
| Loan and lease loss provision to assets | 0.0815% | 1,493 |
| Net operating income to assets | 1.2656% | 1,973 |
| Return on assets (ROA) | 1.2656% | 2,045 |
| Pretax return on assets | 1.2656% | 2,725 |
| Return on Equity (ROE) | 13.6328% | 1,530 |
| Retained earnings to average equity (ytd only) | 4.9806% | 3,191 |
| Net charge-offs to loans | -0.0173% | 3,923 |
| Credit loss provision to net charge-offs | -750.0000% | 3,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2194% | 2,402 |
| Assets per employee ($millions) | 5.0465% | 3,622 |
| Cash dividends to net income (ytd only)* | 63.4663% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6929% | 1,075 |
| Loan loss allowance to noncurrent loans | 1,812.7090% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 3,850 |
| Noncurrent loans to loans | 0.0934% | 3,708 |
| Net loans and leases to total assets | 59.9671% | 2,432 |
| Net loans and leases to deposits | 70.8305% | 2,326 |
| Net loans and leases to core deposits | 76.3894% | 2,199 |
| Total domestic deposits to total assets | 84.6628% | 3,234 |
| Equity capital to assets | 9.1748% | 3,628 |
| Core capital (leverage) ratio | 8.4854% | 3,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0068% | 2,366 |
| Memoranda: | ||
| Average total assets | $515,170,333 | 1,665 |
| Average earning assets | $481,079,000 | 1,662 |
| Average equity | $47,826,000 | 1,837 |
| Average total loans | $322,845,333 | 1,651 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7350% | 2,274 |
| Cost of funding earning assets | 0.5228% | 1,254 |
| Net interest margin | 3.2122% | 2,657 |
| Noninterest income to average assets | 0.6772% | 1,937 |
| Noninterest expense to average assets | 2.4070% | 2,474 |
| Loan and lease loss provision to assets | 0.0823% | 1,573 |
| Net operating income to assets | 1.1882% | 2,195 |
| Return on assets (ROA) | 1.1882% | 2,262 |
| Pretax return on assets | 1.1882% | 2,877 |
| Return on Equity (ROE) | 12.7228% | 1,746 |
| Retained earnings to average equity (ytd only) | 5.6061% | 3,026 |
| Net charge-offs to loans | -0.0148% | 3,852 |
| Credit loss provision to net charge-offs | -875.0000% | 3,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4518% | 2,306 |
| Assets per employee ($millions) | 5.3371% | 3,296 |
| Cash dividends to net income (ytd only)* | 55.9367% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6360% | 1,202 |
| Loan loss allowance to noncurrent loans | 1,581.7910% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 3,924 |
| Noncurrent loans to loans | 0.1034% | 3,789 |
| Net loans and leases to total assets | 60.2988% | 2,511 |
| Net loans and leases to deposits | 71.0681% | 2,412 |
| Net loans and leases to core deposits | 76.4978% | 2,309 |
| Total domestic deposits to total assets | 84.8466% | 3,168 |
| Equity capital to assets | 8.9408% | 3,739 |
| Core capital (leverage) ratio | 8.7987% | 3,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $510,335,000 | 1,661 |
| Average earning assets | $476,682,000 | 1,657 |
| Average equity | $47,662,500 | 1,831 |
| Average total loans | $324,192,000 | 1,649 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2320% | 2,047 |
| Cost of funding earning assets | 0.8121% | 1,161 |
| Net interest margin | 3.4199% | 2,710 |
| Noninterest income to average assets | 0.7490% | 1,694 |
| Noninterest expense to average assets | 2.6554% | 2,370 |
| Loan and lease loss provision to assets | 0.1574% | 2,402 |
| Net operating income to assets | 1.1116% | 1,881 |
| Return on assets (ROA) | 1.1116% | 1,999 |
| Pretax return on assets | 1.1116% | 2,648 |
| Return on Equity (ROE) | 11.5445% | 1,461 |
| Retained earnings to average equity (ytd only) | 5.2437% | 2,166 |
| Net charge-offs to loans | 0.0034% | 3,252 |
| Credit loss provision to net charge-offs | 6,818.1818% | 160 |
| Earnings coverage of net charge-offs (x) | 549.7273% | 216 |
| Efficiency ratio | 67.6631% | 2,275 |
| Assets per employee ($millions) | 5.1281% | 3,258 |
| Cash dividends to net income (ytd only)* | 54.5781% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 1,307 |
| Loan loss allowance to noncurrent loans | 2,205.1064% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 4,100 |
| Noncurrent loans to loans | 0.0724% | 4,005 |
| Net loans and leases to total assets | 64.8593% | 2,246 |
| Net loans and leases to deposits | 77.6690% | 2,106 |
| Net loans and leases to core deposits | 84.0628% | 2,030 |
| Total domestic deposits to total assets | 83.5072% | 3,262 |
| Equity capital to assets | 9.7673% | 3,350 |
| Core capital (leverage) ratio | 9.0656% | 3,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0766% | 2,209 |
| Memoranda: | ||
| Average total assets | $476,501,800 | 1,623 |
| Average earning assets | $442,443,200 | 1,616 |
| Average equity | $45,883,200 | 1,815 |
| Average total loans | $319,675,000 | 1,613 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2914% | 2,127 |
| Cost of funding earning assets | 0.8667% | 1,188 |
| Net interest margin | 3.4247% | 2,835 |
| Noninterest income to average assets | 0.6969% | 1,810 |
| Noninterest expense to average assets | 2.6415% | 2,410 |
| Loan and lease loss provision to assets | 0.1270% | 2,762 |
| Net operating income to assets | 1.1080% | 1,955 |
| Return on assets (ROA) | 1.1080% | 2,076 |
| Pretax return on assets | 1.1080% | 2,718 |
| Return on Equity (ROE) | 11.5498% | 1,496 |
| Retained earnings to average equity (ytd only) | 5.3264% | 2,417 |
| Net charge-offs to loans | -0.0138% | 4,309 |
| Credit loss provision to net charge-offs | -1,363.6364% | 3,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1418% | 2,168 |
| Assets per employee ($millions) | 4.4367% | 3,919 |
| Cash dividends to net income (ytd only)* | 53.8834% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 1,295 |
| Loan loss allowance to noncurrent loans | 386.0502% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.2639% | 3,124 |
| Noncurrent loans to loans | 0.3970% | 2,869 |
| Net loans and leases to total assets | 65.4388% | 2,588 |
| Net loans and leases to deposits | 79.4841% | 2,376 |
| Net loans and leases to core deposits | 86.6601% | 2,262 |
| Total domestic deposits to total assets | 82.3294% | 3,333 |
| Equity capital to assets | 9.8763% | 3,358 |
| Core capital (leverage) ratio | 8.9314% | 3,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1878% | 2,114 |
| Memoranda: | ||
| Average total assets | $472,553,500 | 1,611 |
| Average earning assets | $438,724,750 | 1,608 |
| Average equity | $45,333,000 | 1,831 |
| Average total loans | $318,473,500 | 1,619 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4166% | 2,166 |
| Cost of funding earning assets | 0.9264% | 1,254 |
| Net interest margin | 3.4902% | 2,822 |
| Noninterest income to average assets | 0.6620% | 1,894 |
| Noninterest expense to average assets | 2.6173% | 2,608 |
| Loan and lease loss provision to assets | 0.1706% | 2,300 |
| Net operating income to assets | 1.1090% | 1,940 |
| Return on assets (ROA) | 1.1090% | 2,061 |
| Pretax return on assets | 1.1090% | 2,689 |
| Return on Equity (ROE) | 11.6793% | 1,422 |
| Retained earnings to average equity (ytd only) | 5.7902% | 2,162 |
| Net charge-offs to loans | 0.0006% | 3,020 |
| Credit loss provision to net charge-offs | 40,000.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 3,000.0000% | 22 |
| Efficiency ratio | 67.1629% | 2,358 |
| Assets per employee ($millions) | 4.5311% | 3,746 |
| Cash dividends to net income (ytd only)* | 50.4231% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 1,261 |
| Loan loss allowance to noncurrent loans | 1,729.2857% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 4,243 |
| Noncurrent loans to loans | 0.0868% | 4,112 |
| Net loans and leases to total assets | 64.9059% | 2,768 |
| Net loans and leases to deposits | 78.6641% | 2,583 |
| Net loans and leases to core deposits | 87.0639% | 2,346 |
| Total domestic deposits to total assets | 82.5101% | 3,233 |
| Equity capital to assets | 9.5887% | 3,575 |
| Core capital (leverage) ratio | 8.8746% | 4,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1806% | 2,107 |
| Memoranda: | ||
| Average total assets | $468,871,333 | 1,589 |
| Average earning assets | $434,587,333 | 1,597 |
| Average equity | $44,523,333 | 1,843 |
| Average total loans | $317,502,000 | 1,607 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4785% | 2,369 |
| Cost of funding earning assets | 1.0154% | 1,358 |
| Net interest margin | 3.4631% | 3,105 |
| Noninterest income to average assets | 0.6820% | 1,721 |
| Noninterest expense to average assets | 2.6854% | 2,746 |
| Loan and lease loss provision to assets | 0.1090% | 2,314 |
| Net operating income to assets | 1.0911% | 1,872 |
| Return on assets (ROA) | 1.0911% | 1,972 |
| Pretax return on assets | 1.0911% | 2,553 |
| Return on Equity (ROE) | 11.5503% | 1,244 |
| Retained earnings to average equity (ytd only) | 5.1704% | 2,207 |
| Net charge-offs to loans | 0.0165% | 2,041 |
| Credit loss provision to net charge-offs | 961.5385% | 594 |
| Earnings coverage of net charge-offs (x) | 105.8462% | 560 |
| Efficiency ratio | 69.1134% | 2,497 |
| Assets per employee ($millions) | 4.6715% | 3,032 |
| Cash dividends to net income (ytd only)* | 55.2358% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4346% | 1,568 |
| Loan loss allowance to noncurrent loans | 1,265.2778% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 4,218 |
| Noncurrent loans to loans | 0.1134% | 4,067 |
| Net loans and leases to total assets | 67.6666% | 2,589 |
| Net loans and leases to deposits | 82.4371% | 2,397 |
| Net loans and leases to core deposits | 91.9251% | 2,169 |
| Total domestic deposits to total assets | 82.0828% | 3,394 |
| Equity capital to assets | 9.4382% | 4,278 |
| Core capital (leverage) ratio | 9.1147% | 4,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8761% | 2,340 |
| Memoranda: | ||
| Average total assets | $458,628,000 | 1,573 |
| Average earning assets | $424,249,000 | 1,580 |
| Average equity | $43,323,500 | 1,871 |
| Average total loans | $315,021,000 | 1,575 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4614% | 3,082 |
| Cost of funding earning assets | 1.0667% | 1,446 |
| Net interest margin | 3.3948% | 3,766 |
| Noninterest income to average assets | 0.7357% | 1,682 |
| Noninterest expense to average assets | 2.7616% | 2,715 |
| Loan and lease loss provision to assets | 0.0671% | 2,677 |
| Net operating income to assets | 1.0597% | 2,618 |
| Return on assets (ROA) | 1.0679% | 2,683 |
| Pretax return on assets | 1.0679% | 3,272 |
| Return on Equity (ROE) | 11.5359% | 1,678 |
| Retained earnings to average equity (ytd only) | 5.4069% | 2,223 |
| Net charge-offs to loans | 0.0292% | 2,813 |
| Credit loss provision to net charge-offs | 337.0787% | 823 |
| Earnings coverage of net charge-offs (x) | 56.6292% | 1,024 |
| Efficiency ratio | 71.0228% | 2,020 |
| Assets per employee ($millions) | 4.4586% | 3,288 |
| Cash dividends to net income (ytd only)* | 53.1296% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 1,446 |
| Loan loss allowance to noncurrent loans | 993.9597% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 4,131 |
| Noncurrent loans to loans | 0.1430% | 3,959 |
| Net loans and leases to total assets | 67.7475% | 2,715 |
| Net loans and leases to deposits | 83.0538% | 2,434 |
| Net loans and leases to core deposits | 92.5631% | 2,195 |
| Total domestic deposits to total assets | 81.5706% | 3,623 |
| Equity capital to assets | 9.4546% | 4,385 |
| Core capital (leverage) ratio | 9.1166% | 4,433 |
| Tier 1 risk-based capital ratio | 12.5587% | 4,031 |
| Total risk-based capital ratio | 13.8099% | 3,920 |
| Memoranda: | ||
| Average total assets | $447,305,600 | 1,566 |
| Average earning assets | $415,404,000 | 1,568 |
| Average equity | $41,410,000 | 1,870 |
| Average total loans | $304,611,200 | 1,587 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4532% | 3,197 |
| Cost of funding earning assets | 1.0748% | 1,450 |
| Net interest margin | 3.3784% | 3,919 |
| Noninterest income to average assets | 0.7318% | 1,658 |
| Noninterest expense to average assets | 2.7762% | 2,634 |
| Loan and lease loss provision to assets | 0.0434% | 3,040 |
| Net operating income to assets | 1.0479% | 2,792 |
| Return on assets (ROA) | 1.0590% | 2,818 |
| Pretax return on assets | 1.0590% | 3,416 |
| Return on Equity (ROE) | 11.5017% | 1,806 |
| Retained earnings to average equity (ytd only) | 5.4940% | 2,625 |
| Net charge-offs to loans | 0.0269% | 2,555 |
| Credit loss provision to net charge-offs | 237.7049% | 1,136 |
| Earnings coverage of net charge-offs (x) | 59.7714% | 1,057 |
| Efficiency ratio | 71.7824% | 1,872 |
| Assets per employee ($millions) | 4.5042% | 3,199 |
| Cash dividends to net income (ytd only)* | 52.2329% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 1,483 |
| Loan loss allowance to noncurrent loans | 763.8938% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 4,094 |
| Noncurrent loans to loans | 0.1866% | 3,870 |
| Net loans and leases to total assets | 66.9376% | 2,933 |
| Net loans and leases to deposits | 80.8634% | 2,814 |
| Net loans and leases to core deposits | 90.4724% | 2,506 |
| Total domestic deposits to total assets | 82.7786% | 3,232 |
| Equity capital to assets | 9.7080% | 4,285 |
| Core capital (leverage) ratio | 9.1383% | 4,527 |
| Tier 1 risk-based capital ratio | 12.8638% | 3,921 |
| Total risk-based capital ratio | 14.1152% | 3,817 |
| Memoranda: | ||
| Average total assets | $445,438,500 | 1,577 |
| Average earning assets | $413,443,500 | 1,580 |
| Average equity | $41,013,250 | 1,892 |
| Average total loans | $302,628,750 | 1,605 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 3,280 |
| Cost of funding earning assets | 1.0585% | 1,458 |
| Net interest margin | 3.3604% | 4,010 |
| Noninterest income to average assets | 0.6984% | 1,717 |
| Noninterest expense to average assets | 2.7812% | 2,658 |
| Loan and lease loss provision to assets | 0.0314% | 3,196 |
| Net operating income to assets | 1.0057% | 2,904 |
| Return on assets (ROA) | 1.0223% | 2,918 |
| Pretax return on assets | 1.0223% | 3,466 |
| Return on Equity (ROE) | 11.3080% | 1,867 |
| Retained earnings to average equity (ytd only) | 5.4056% | 2,574 |
| Net charge-offs to loans | 0.0093% | 2,803 |
| Credit loss provision to net charge-offs | 500.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 164.9286% | 457 |
| Efficiency ratio | 72.8385% | 1,799 |
| Assets per employee ($millions) | 4.3656% | 3,335 |
| Cash dividends to net income (ytd only)* | 52.1968% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 1,583 |
| Loan loss allowance to noncurrent loans | 1,030.7692% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 4,306 |
| Noncurrent loans to loans | 0.1365% | 4,066 |
| Net loans and leases to total assets | 66.8394% | 2,995 |
| Net loans and leases to deposits | 80.0178% | 2,949 |
| Net loans and leases to core deposits | 91.5383% | 2,460 |
| Total domestic deposits to total assets | 83.5307% | 3,041 |
| Equity capital to assets | 9.4217% | 4,482 |
| Core capital (leverage) ratio | 8.8777% | 4,736 |
| Tier 1 risk-based capital ratio | 12.6433% | 4,049 |
| Total risk-based capital ratio | 13.8943% | 3,940 |
| Memoranda: | ||
| Average total assets | $445,281,000 | 1,576 |
| Average earning assets | $413,400,330 | 1,580 |
| Average equity | $40,254,670 | 1,918 |
| Average total loans | $302,572,330 | 1,609 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3251% | 3,483 |
| Cost of funding earning assets | 1.0180% | 1,489 |
| Net interest margin | 3.3071% | 4,146 |
| Noninterest income to average assets | 0.6734% | 1,708 |
| Noninterest expense to average assets | 2.7922% | 2,597 |
| Loan and lease loss provision to assets | 0.0226% | 3,145 |
| Net operating income to assets | 0.9262% | 3,136 |
| Return on assets (ROA) | 0.9434% | 3,118 |
| Pretax return on assets | 0.9434% | 3,635 |
| Return on Equity (ROE) | 10.6634% | 2,094 |
| Retained earnings to average equity (ytd only) | 4.5613% | 3,104 |
| Net charge-offs to loans | 0.0252% | 1,946 |
| Credit loss provision to net charge-offs | 131.5789% | 1,344 |
| Earnings coverage of net charge-offs (x) | 55.3158% | 963 |
| Efficiency ratio | 74.6380% | 1,660 |
| Assets per employee ($millions) | 4.2289% | 3,584 |
| Cash dividends to net income (ytd only)* | 57.2249% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 1,633 |
| Loan loss allowance to noncurrent loans | 762.2302% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 4,171 |
| Noncurrent loans to loans | 0.1853% | 3,925 |
| Net loans and leases to total assets | 66.6282% | 2,959 |
| Net loans and leases to deposits | 80.5043% | 2,784 |
| Net loans and leases to core deposits | 89.0883% | 2,593 |
| Total domestic deposits to total assets | 82.7635% | 3,480 |
| Equity capital to assets | 9.0316% | 4,657 |
| Core capital (leverage) ratio | 8.9195% | 4,708 |
| Tier 1 risk-based capital ratio | 12.6001% | 4,101 |
| Total risk-based capital ratio | 13.8512% | 3,981 |
| Memoranda: | ||
| Average total assets | $443,094,500 | 1,590 |
| Average earning assets | $410,997,500 | 1,593 |
| Average equity | $39,199,500 | 1,958 |
| Average total loans | $301,441,500 | 1,626 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2838% | 3,170 |
| Cost of funding earning assets | 0.8157% | 1,454 |
| Net interest margin | 3.4680% | 3,809 |
| Noninterest income to average assets | 0.7802% | 1,526 |
| Noninterest expense to average assets | 2.8673% | 2,458 |
| Loan and lease loss provision to assets | 0.0685% | 2,771 |
| Net operating income to assets | 1.0546% | 2,782 |
| Return on assets (ROA) | 1.0546% | 2,770 |
| Pretax return on assets | 1.0546% | 3,428 |
| Return on Equity (ROE) | 11.7157% | 1,812 |
| Retained earnings to average equity (ytd only) | -0.2736% | 5,018 |
| Net charge-offs to loans | 0.0625% | 2,232 |
| Credit loss provision to net charge-offs | 161.2022% | 1,722 |
| Earnings coverage of net charge-offs (x) | 26.4153% | 1,724 |
| Efficiency ratio | 71.8544% | 1,923 |
| Assets per employee ($millions) | 4.0940% | 3,757 |
| Cash dividends to net income (ytd only)* | 102.3353% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 1,650 |
| Loan loss allowance to noncurrent loans | 1,007.6190% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 4,350 |
| Noncurrent loans to loans | 0.1387% | 4,116 |
| Net loans and leases to total assets | 67.5241% | 2,941 |
| Net loans and leases to deposits | 83.7806% | 2,534 |
| Net loans and leases to core deposits | 93.2726% | 2,291 |
| Total domestic deposits to total assets | 80.5964% | 3,978 |
| Equity capital to assets | 8.6611% | 4,836 |
| Core capital (leverage) ratio | 8.8385% | 4,783 |
| Tier 1 risk-based capital ratio | 12.5677% | 4,095 |
| Total risk-based capital ratio | 13.8188% | 3,971 |
| Memoranda: | ||
| Average total assets | $430,403,600 | 1,593 |
| Average earning assets | $398,408,600 | 1,597 |
| Average equity | $38,743,000 | 1,910 |
| Average total loans | $293,020,000 | 1,626 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2323% | 3,196 |
| Cost of funding earning assets | 0.7601% | 1,537 |
| Net interest margin | 3.4723% | 3,797 |
| Noninterest income to average assets | 0.7801% | 1,539 |
| Noninterest expense to average assets | 2.8929% | 2,323 |
| Loan and lease loss provision to assets | 0.0577% | 2,825 |
| Net operating income to assets | 1.0455% | 2,890 |
| Return on assets (ROA) | 1.0455% | 2,897 |
| Pretax return on assets | 1.0455% | 3,588 |
| Return on Equity (ROE) | 11.5023% | 1,981 |
| Retained earnings to average equity (ytd only) | 4.9757% | 3,250 |
| Net charge-offs to loans | 0.0675% | 1,872 |
| Credit loss provision to net charge-offs | 125.8503% | 1,936 |
| Earnings coverage of net charge-offs (x) | 24.0606% | 1,827 |
| Efficiency ratio | 72.3931% | 1,825 |
| Assets per employee ($millions) | 3.9419% | 3,981 |
| Cash dividends to net income (ytd only)* | 56.7423% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 1,722 |
| Loan loss allowance to noncurrent loans | 788.9943% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 4,360 |
| Noncurrent loans to loans | 0.1767% | 4,098 |
| Net loans and leases to total assets | 67.8132% | 2,976 |
| Net loans and leases to deposits | 83.5474% | 2,650 |
| Net loans and leases to core deposits | 93.6339% | 2,334 |
| Total domestic deposits to total assets | 81.1674% | 3,821 |
| Equity capital to assets | 8.9479% | 4,598 |
| Core capital (leverage) ratio | 9.4330% | 4,249 |
| Tier 1 risk-based capital ratio | 13.1798% | 3,796 |
| Total risk-based capital ratio | 14.4310% | 3,710 |
| Memoranda: | ||
| Average total assets | $427,467,000 | 1,613 |
| Average earning assets | $395,928,750 | 1,612 |
| Average equity | $38,855,000 | 1,912 |
| Average total loans | $290,577,500 | 1,640 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1831% | 3,163 |
| Cost of funding earning assets | 0.7066% | 1,584 |
| Net interest margin | 3.4765% | 3,712 |
| Noninterest income to average assets | 0.7578% | 1,617 |
| Noninterest expense to average assets | 2.9397% | 2,228 |
| Loan and lease loss provision to assets | 0.0353% | 3,210 |
| Net operating income to assets | 1.0028% | 3,002 |
| Return on assets (ROA) | 1.0028% | 3,002 |
| Pretax return on assets | 1.0028% | 3,654 |
| Return on Equity (ROE) | 10.9740% | 2,125 |
| Retained earnings to average equity (ytd only) | 4.6047% | 3,285 |
| Net charge-offs to loans | 0.0382% | 2,085 |
| Credit loss provision to net charge-offs | 136.3636% | 1,672 |
| Earnings coverage of net charge-offs (x) | 40.1455% | 1,296 |
| Efficiency ratio | 73.9038% | 1,717 |
| Assets per employee ($millions) | 3.7376% | 4,300 |
| Cash dividends to net income (ytd only)* | 58.0403% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 1,669 |
| Loan loss allowance to noncurrent loans | 288.7029% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 3,405 |
| Noncurrent loans to loans | 0.4931% | 2,954 |
| Net loans and leases to total assets | 67.2766% | 2,979 |
| Net loans and leases to deposits | 81.7316% | 2,793 |
| Net loans and leases to core deposits | 92.2656% | 2,380 |
| Total domestic deposits to total assets | 82.3140% | 3,624 |
| Equity capital to assets | 9.0880% | 4,492 |
| Core capital (leverage) ratio | 9.3641% | 4,287 |
| Tier 1 risk-based capital ratio | 13.2702% | 3,750 |
| Total risk-based capital ratio | 14.5219% | 3,675 |
| Memoranda: | ||
| Average total assets | $425,419,330 | 1,623 |
| Average earning assets | $394,016,670 | 1,627 |
| Average equity | $38,873,670 | 1,908 |
| Average total loans | $288,035,670 | 1,653 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1129% | 3,193 |
| Cost of funding earning assets | 0.6357% | 1,806 |
| Net interest margin | 3.4773% | 3,616 |
| Noninterest income to average assets | 0.7415% | 1,652 |
| Noninterest expense to average assets | 2.9481% | 2,207 |
| Loan and lease loss provision to assets | 0.0470% | 2,821 |
| Net operating income to assets | 0.9636% | 3,014 |
| Return on assets (ROA) | 0.9636% | 3,035 |
| Pretax return on assets | 0.9636% | 3,654 |
| Return on Equity (ROE) | 10.5163% | 2,165 |
| Retained earnings to average equity (ytd only) | 4.0669% | 3,574 |
| Net charge-offs to loans | 0.0558% | 1,548 |
| Credit loss provision to net charge-offs | 125.0000% | 1,357 |
| Earnings coverage of net charge-offs (x) | 26.8500% | 1,314 |
| Efficiency ratio | 74.4711% | 1,827 |
| Assets per employee ($millions) | 3.7830% | 4,304 |
| Cash dividends to net income (ytd only)* | 61.3281% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 1,664 |
| Loan loss allowance to noncurrent loans | 241.5205% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 3,232 |
| Noncurrent loans to loans | 0.6000% | 2,745 |
| Net loans and leases to total assets | 65.7051% | 3,084 |
| Net loans and leases to deposits | 78.3982% | 2,973 |
| Net loans and leases to core deposits | 87.8135% | 2,644 |
| Total domestic deposits to total assets | 83.8095% | 3,401 |
| Equity capital to assets | 9.0292% | 4,527 |
| Core capital (leverage) ratio | 9.3410% | 4,269 |
| Tier 1 risk-based capital ratio | 13.2734% | 3,794 |
| Total risk-based capital ratio | 14.5251% | 3,699 |
| Memoranda: | ||
| Average total assets | $425,084,500 | 1,634 |
| Average earning assets | $393,296,000 | 1,635 |
| Average equity | $38,949,000 | 1,914 |
| Average total loans | $286,654,500 | 1,672 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1669% | 2,814 |
| Cost of funding earning assets | 0.5540% | 1,918 |
| Net interest margin | 3.6129% | 3,124 |
| Noninterest income to average assets | 0.8214% | 1,494 |
| Noninterest expense to average assets | 2.9621% | 2,270 |
| Loan and lease loss provision to assets | 0.1137% | 2,000 |
| Net operating income to assets | 1.0804% | 1,931 |
| Return on assets (ROA) | 1.0809% | 1,951 |
| Pretax return on assets | 1.0809% | 3,261 |
| Return on Equity (ROE) | 11.6536% | 1,303 |
| Retained earnings to average equity (ytd only) | 4.8705% | 2,209 |
| Net charge-offs to loans | 0.1037% | 2,026 |
| Credit loss provision to net charge-offs | 159.3960% | 1,675 |
| Earnings coverage of net charge-offs (x) | 16.7383% | 2,159 |
| Efficiency ratio | 71.2689% | 2,342 |
| Assets per employee ($millions) | 3.7406% | 4,378 |
| Cash dividends to net income (ytd only)* | 58.2060% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 1,656 |
| Loan loss allowance to noncurrent loans | 270.5187% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.3603% | 3,424 |
| Noncurrent loans to loans | 0.5283% | 2,925 |
| Net loans and leases to total assets | 67.2321% | 2,931 |
| Net loans and leases to deposits | 82.2615% | 2,696 |
| Net loans and leases to core deposits | 92.6067% | 2,316 |
| Total domestic deposits to total assets | 81.7297% | 3,936 |
| Equity capital to assets | 9.2976% | 4,429 |
| Core capital (leverage) ratio | 9.1709% | 4,434 |
| Tier 1 risk-based capital ratio | 13.1085% | 3,844 |
| Total risk-based capital ratio | 14.3602% | 3,756 |
| Memoranda: | ||
| Average total assets | $417,709,600 | 1,643 |
| Average earning assets | $385,563,800 | 1,645 |
| Average equity | $38,743,400 | 1,908 |
| Average total loans | $287,243,200 | 1,619 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1316% | 2,869 |
| Cost of funding earning assets | 0.5294% | 2,038 |
| Net interest margin | 3.6023% | 3,139 |
| Noninterest income to average assets | 0.8292% | 1,478 |
| Noninterest expense to average assets | 2.9674% | 2,197 |
| Loan and lease loss provision to assets | 0.0960% | 2,179 |
| Net operating income to assets | 1.0901% | 2,130 |
| Return on assets (ROA) | 1.0907% | 2,184 |
| Pretax return on assets | 1.0907% | 3,336 |
| Return on Equity (ROE) | 11.7670% | 1,407 |
| Retained earnings to average equity (ytd only) | 4.8491% | 2,989 |
| Net charge-offs to loans | 0.0734% | 2,084 |
| Credit loss provision to net charge-offs | 189.8734% | 1,399 |
| Earnings coverage of net charge-offs (x) | 23.4495% | 1,812 |
| Efficiency ratio | 71.4429% | 2,293 |
| Assets per employee ($millions) | 3.9324% | 4,100 |
| Cash dividends to net income (ytd only)* | 58.7908% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 1,989 |
| Loan loss allowance to noncurrent loans | 223.8356% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4363% | 3,288 |
| Noncurrent loans to loans | 0.6156% | 2,869 |
| Net loans and leases to total assets | 68.2064% | 2,811 |
| Net loans and leases to deposits | 86.5467% | 2,235 |
| Net loans and leases to core deposits | 96.0888% | 2,060 |
| Total domestic deposits to total assets | 78.8088% | 4,568 |
| Equity capital to assets | 9.2292% | 4,702 |
| Core capital (leverage) ratio | 9.0927% | 4,640 |
| Tier 1 risk-based capital ratio | 12.6028% | 4,258 |
| Total risk-based capital ratio | 13.8541% | 4,160 |
| Memoranda: | ||
| Average total assets | $416,464,250 | 1,659 |
| Average earning assets | $384,340,500 | 1,659 |
| Average equity | $38,604,250 | 1,928 |
| Average total loans | $286,978,000 | 1,633 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1012% | 2,826 |
| Cost of funding earning assets | 0.4950% | 2,207 |
| Net interest margin | 3.6062% | 3,012 |
| Noninterest income to average assets | 0.8312% | 1,463 |
| Noninterest expense to average assets | 3.0096% | 2,082 |
| Loan and lease loss provision to assets | 0.0727% | 2,516 |
| Net operating income to assets | 1.0732% | 2,111 |
| Return on assets (ROA) | 1.0732% | 2,157 |
| Pretax return on assets | 1.0732% | 3,287 |
| Return on Equity (ROE) | 11.5604% | 1,439 |
| Retained earnings to average equity (ytd only) | 4.7537% | 2,883 |
| Net charge-offs to loans | 0.0366% | 2,463 |
| Credit loss provision to net charge-offs | 288.4615% | 984 |
| Earnings coverage of net charge-offs (x) | 45.4423% | 1,153 |
| Efficiency ratio | 72.4239% | 2,273 |
| Assets per employee ($millions) | 3.7936% | 4,285 |
| Cash dividends to net income (ytd only)* | 58.8793% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 1,939 |
| Loan loss allowance to noncurrent loans | 220.2180% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 3,305 |
| Noncurrent loans to loans | 0.6370% | 2,821 |
| Net loans and leases to total assets | 67.4477% | 2,887 |
| Net loans and leases to deposits | 85.0863% | 2,343 |
| Net loans and leases to core deposits | 92.9708% | 2,250 |
| Total domestic deposits to total assets | 79.2697% | 4,568 |
| Equity capital to assets | 9.3121% | 4,608 |
| Core capital (leverage) ratio | 9.2166% | 4,470 |
| Tier 1 risk-based capital ratio | 12.8078% | 4,114 |
| Total risk-based capital ratio | 14.0592% | 4,025 |
| Memoranda: | ||
| Average total assets | $412,409,000 | 1,674 |
| Average earning assets | $380,180,330 | 1,680 |
| Average equity | $38,286,000 | 1,942 |
| Average total loans | $283,824,670 | 1,643 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0896% | 2,690 |
| Cost of funding earning assets | 0.4770% | 2,278 |
| Net interest margin | 3.6126% | 2,841 |
| Noninterest income to average assets | 0.8842% | 1,293 |
| Noninterest expense to average assets | 3.0936% | 1,883 |
| Loan and lease loss provision to assets | 0.0735% | 2,331 |
| Net operating income to assets | 1.0430% | 2,106 |
| Return on assets (ROA) | 1.0430% | 2,155 |
| Pretax return on assets | 1.0430% | 3,192 |
| Return on Equity (ROE) | 11.2524% | 1,484 |
| Retained earnings to average equity (ytd only) | 4.2937% | 3,284 |
| Net charge-offs to loans | -0.0057% | 4,224 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4808% | 2,325 |
| Assets per employee ($millions) | 3.5392% | 4,738 |
| Cash dividends to net income (ytd only)* | 61.8421% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4258% | 1,967 |
| Loan loss allowance to noncurrent loans | 449.8881% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 4,043 |
| Noncurrent loans to loans | 0.3169% | 3,988 |
| Net loans and leases to total assets | 67.7306% | 2,719 |
| Net loans and leases to deposits | 81.2020% | 2,603 |
| Net loans and leases to core deposits | 89.5000% | 2,396 |
| Total domestic deposits to total assets | 83.4101% | 3,696 |
| Equity capital to assets | 9.3074% | 4,503 |
| Core capital (leverage) ratio | 9.2266% | 4,440 |
| Tier 1 risk-based capital ratio | 12.9705% | 4,096 |
| Total risk-based capital ratio | 14.2224% | 3,993 |
| Memoranda: | ||
| Average total assets | $408,071,000 | 1,700 |
| Average earning assets | $375,685,000 | 1,710 |
| Average equity | $37,823,000 | 1,968 |
| Average total loans | $281,710,500 | 1,663 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 2,598 |
| Cost of funding earning assets | 0.4517% | 2,526 |
| Net interest margin | 3.7159% | 2,626 |
| Noninterest income to average assets | 0.8141% | 1,695 |
| Noninterest expense to average assets | 3.1292% | 1,955 |
| Loan and lease loss provision to assets | 0.1065% | 2,272 |
| Net operating income to assets | 0.9938% | 2,374 |
| Return on assets (ROA) | 1.0730% | 2,123 |
| Pretax return on assets | 1.0730% | 3,206 |
| Return on Equity (ROE) | 11.1619% | 1,520 |
| Retained earnings to average equity (ytd only) | 1.9681% | 4,419 |
| Net charge-offs to loans | 0.1006% | 2,274 |
| Credit loss provision to net charge-offs | 157.4074% | 1,749 |
| Earnings coverage of net charge-offs (x) | 16.2630% | 2,130 |
| Efficiency ratio | 73.1797% | 2,396 |
| Assets per employee ($millions) | 3.4965% | 4,768 |
| Cash dividends to net income (ytd only)* | 82.3681% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 2,073 |
| Loan loss allowance to noncurrent loans | 544.6133% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 4,292 |
| Noncurrent loans to loans | 0.2573% | 4,230 |
| Net loans and leases to total assets | 68.3909% | 2,712 |
| Net loans and leases to deposits | 82.9514% | 2,553 |
| Net loans and leases to core deposits | 91.6562% | 2,332 |
| Total domestic deposits to total assets | 82.4469% | 3,950 |
| Equity capital to assets | 9.2296% | 4,542 |
| Core capital (leverage) ratio | 9.2206% | 4,453 |
| Tier 1 risk-based capital ratio | 13.0163% | 4,066 |
| Total risk-based capital ratio | 14.2680% | 3,972 |
| Memoranda: | ||
| Average total assets | $399,075,600 | 1,687 |
| Average earning assets | $366,806,600 | 1,696 |
| Average equity | $38,362,800 | 1,918 |
| Average total loans | $268,286,400 | 1,682 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 2,645 |
| Cost of funding earning assets | 0.4467% | 2,583 |
| Net interest margin | 3.7124% | 2,672 |
| Noninterest income to average assets | 0.8165% | 1,694 |
| Noninterest expense to average assets | 3.1631% | 1,869 |
| Loan and lease loss provision to assets | 0.0889% | 2,448 |
| Net operating income to assets | 0.9769% | 2,536 |
| Return on assets (ROA) | 1.0829% | 2,172 |
| Pretax return on assets | 1.0829% | 3,304 |
| Return on Equity (ROE) | 11.1515% | 1,615 |
| Retained earnings to average equity (ytd only) | 2.8984% | 4,160 |
| Net charge-offs to loans | 0.0770% | 2,221 |
| Credit loss provision to net charge-offs | 173.2026% | 1,610 |
| Earnings coverage of net charge-offs (x) | 20.7652% | 1,853 |
| Efficiency ratio | 73.7189% | 2,342 |
| Assets per employee ($millions) | 3.4425% | 4,849 |
| Cash dividends to net income (ytd only)* | 74.0086% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 2,130 |
| Loan loss allowance to noncurrent loans | 513.8340% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 4,372 |
| Noncurrent loans to loans | 0.2756% | 4,270 |
| Net loans and leases to total assets | 67.9992% | 2,803 |
| Net loans and leases to deposits | 83.2735% | 2,574 |
| Net loans and leases to core deposits | 92.8901% | 2,291 |
| Total domestic deposits to total assets | 81.6577% | 4,055 |
| Equity capital to assets | 9.8949% | 4,246 |
| Core capital (leverage) ratio | 9.3788% | 4,358 |
| Tier 1 risk-based capital ratio | 13.2867% | 3,985 |
| Total risk-based capital ratio | 14.5384% | 3,897 |
| Memoranda: | ||
| Average total assets | $397,445,000 | 1,697 |
| Average earning assets | $365,325,750 | 1,707 |
| Average equity | $38,594,750 | 1,905 |
| Average total loans | $265,024,250 | 1,703 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1480% | 2,683 |
| Cost of funding earning assets | 0.4399% | 2,656 |
| Net interest margin | 3.7081% | 2,662 |
| Noninterest income to average assets | 0.7782% | 1,815 |
| Noninterest expense to average assets | 3.1087% | 2,035 |
| Loan and lease loss provision to assets | 0.0504% | 3,139 |
| Net operating income to assets | 1.0267% | 2,264 |
| Return on assets (ROA) | 1.0373% | 2,357 |
| Pretax return on assets | 1.0373% | 3,450 |
| Return on Equity (ROE) | 10.7499% | 1,738 |
| Retained earnings to average equity (ytd only) | 1.3215% | 4,855 |
| Net charge-offs to loans | 0.0619% | 2,311 |
| Credit loss provision to net charge-offs | 123.4568% | 1,821 |
| Earnings coverage of net charge-offs (x) | 26.3827% | 1,490 |
| Efficiency ratio | 73.1728% | 2,485 |
| Assets per employee ($millions) | 3.4342% | 4,858 |
| Cash dividends to net income (ytd only)* | 87.7065% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 2,186 |
| Loan loss allowance to noncurrent loans | 250.6254% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 3,839 |
| Noncurrent loans to loans | 0.5687% | 3,362 |
| Net loans and leases to total assets | 66.0909% | 3,065 |
| Net loans and leases to deposits | 82.8291% | 2,613 |
| Net loans and leases to core deposits | 89.1536% | 2,625 |
| Total domestic deposits to total assets | 79.7919% | 4,597 |
| Equity capital to assets | 9.9421% | 4,299 |
| Core capital (leverage) ratio | 9.1472% | 4,669 |
| Tier 1 risk-based capital ratio | 13.3232% | 3,999 |
| Total risk-based capital ratio | 14.5750% | 3,919 |
| Memoranda: | ||
| Average total assets | $396,817,330 | 1,703 |
| Average earning assets | $364,661,330 | 1,706 |
| Average equity | $38,288,670 | 1,923 |
| Average total loans | $261,552,330 | 1,718 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0797% | 2,930 |
| Cost of funding earning assets | 0.4345% | 2,728 |
| Net interest margin | 3.6452% | 2,909 |
| Noninterest income to average assets | 0.7444% | 1,841 |
| Noninterest expense to average assets | 3.0835% | 2,139 |
| Loan and lease loss provision to assets | 0.0505% | 2,912 |
| Net operating income to assets | 0.9575% | 2,475 |
| Return on assets (ROA) | 0.9575% | 2,594 |
| Pretax return on assets | 0.9575% | 3,633 |
| Return on Equity (ROE) | 10.0771% | 1,952 |
| Retained earnings to average equity (ytd only) | -2.7319% | 5,452 |
| Net charge-offs to loans | -0.0139% | 4,676 |
| Credit loss provision to net charge-offs | -555.5556% | 4,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2533% | 2,434 |
| Assets per employee ($millions) | 3.5200% | 4,781 |
| Cash dividends to net income (ytd only)* | 127.1097% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 2,160 |
| Loan loss allowance to noncurrent loans | 184.3316% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 3,468 |
| Noncurrent loans to loans | 0.7918% | 2,853 |
| Net loans and leases to total assets | 64.7211% | 3,151 |
| Net loans and leases to deposits | 80.2225% | 2,759 |
| Net loans and leases to core deposits | 86.2204% | 2,728 |
| Total domestic deposits to total assets | 80.6769% | 4,584 |
| Equity capital to assets | 9.4535% | 4,714 |
| Core capital (leverage) ratio | 9.2020% | 4,598 |
| Tier 1 risk-based capital ratio | 13.2242% | 4,133 |
| Total risk-based capital ratio | 14.4760% | 4,060 |
| Memoranda: | ||
| Average total assets | $396,043,500 | 1,706 |
| Average earning assets | $363,658,500 | 1,712 |
| Average equity | $37,630,000 | 1,958 |
| Average total loans | $258,783,500 | 1,738 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2490% | 2,391 |
| Cost of funding earning assets | 0.4514% | 2,612 |
| Net interest margin | 3.7976% | 2,385 |
| Noninterest income to average assets | 0.8578% | 1,579 |
| Noninterest expense to average assets | 3.1385% | 2,122 |
| Loan and lease loss provision to assets | 0.0378% | 3,590 |
| Net operating income to assets | 1.1592% | 1,702 |
| Return on assets (ROA) | 1.1881% | 1,669 |
| Pretax return on assets | 1.1881% | 2,701 |
| Return on Equity (ROE) | 12.1359% | 1,270 |
| Retained earnings to average equity (ytd only) | 2.6761% | 4,168 |
| Net charge-offs to loans | 0.1334% | 2,029 |
| Credit loss provision to net charge-offs | 43.4132% | 3,489 |
| Earnings coverage of net charge-offs (x) | 13.7335% | 2,353 |
| Efficiency ratio | 71.2953% | 3,015 |
| Assets per employee ($millions) | 3.4893% | 4,853 |
| Cash dividends to net income (ytd only)* | 77.9486% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 2,050 |
| Loan loss allowance to noncurrent loans | 186.5091% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 3,491 |
| Noncurrent loans to loans | 0.7996% | 2,791 |
| Net loans and leases to total assets | 64.0263% | 3,276 |
| Net loans and leases to deposits | 77.5769% | 3,094 |
| Net loans and leases to core deposits | 84.3866% | 2,939 |
| Total domestic deposits to total assets | 82.5327% | 4,008 |
| Equity capital to assets | 9.5508% | 4,492 |
| Core capital (leverage) ratio | 9.3679% | 4,374 |
| Tier 1 risk-based capital ratio | 13.7286% | 3,871 |
| Total risk-based capital ratio | 14.9807% | 3,801 |
| Memoranda: | ||
| Average total assets | $383,210,200 | 1,714 |
| Average earning assets | $350,932,400 | 1,722 |
| Average equity | $37,516,800 | 1,908 |
| Average total loans | $250,296,800 | 1,725 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2313% | 2,479 |
| Cost of funding earning assets | 0.4572% | 2,615 |
| Net interest margin | 3.7741% | 2,480 |
| Noninterest income to average assets | 0.8588% | 1,589 |
| Noninterest expense to average assets | 3.1491% | 2,088 |
| Loan and lease loss provision to assets | 0.0168% | 3,937 |
| Net operating income to assets | 1.1476% | 1,839 |
| Return on assets (ROA) | 1.2077% | 1,694 |
| Pretax return on assets | 1.2077% | 2,794 |
| Return on Equity (ROE) | 12.2594% | 1,303 |
| Retained earnings to average equity (ytd only) | 6.1084% | 2,176 |
| Net charge-offs to loans | 0.1256% | 1,870 |
| Credit loss provision to net charge-offs | 20.4255% | 3,363 |
| Earnings coverage of net charge-offs (x) | 14.1700% | 2,265 |
| Efficiency ratio | 71.9034% | 2,900 |
| Assets per employee ($millions) | 3.4020% | 4,978 |
| Cash dividends to net income (ytd only)* | 50.1737% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 2,268 |
| Loan loss allowance to noncurrent loans | 194.6584% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 3,805 |
| Noncurrent loans to loans | 0.7567% | 3,070 |
| Net loans and leases to total assets | 65.3663% | 3,096 |
| Net loans and leases to deposits | 80.8933% | 2,778 |
| Net loans and leases to core deposits | 88.5420% | 2,606 |
| Total domestic deposits to total assets | 80.8055% | 4,522 |
| Equity capital to assets | 9.9608% | 4,200 |
| Core capital (leverage) ratio | 9.6210% | 4,145 |
| Tier 1 risk-based capital ratio | 13.9367% | 3,880 |
| Total risk-based capital ratio | 15.1888% | 3,822 |
| Memoranda: | ||
| Average total assets | $381,311,500 | 1,736 |
| Average earning assets | $349,041,250 | 1,748 |
| Average equity | $37,564,750 | 1,920 |
| Average total loans | $249,369,500 | 1,739 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2262% | 2,448 |
| Cost of funding earning assets | 0.4624% | 2,583 |
| Net interest margin | 3.7638% | 2,463 |
| Noninterest income to average assets | 0.8430% | 1,626 |
| Noninterest expense to average assets | 3.1841% | 2,022 |
| Loan and lease loss provision to assets | 0.0253% | 3,626 |
| Net operating income to assets | 1.0730% | 2,048 |
| Return on assets (ROA) | 1.1553% | 1,827 |
| Pretax return on assets | 1.1553% | 2,952 |
| Return on Equity (ROE) | 11.7712% | 1,442 |
| Retained earnings to average equity (ytd only) | 5.9125% | 2,296 |
| Net charge-offs to loans | 0.1021% | 1,985 |
| Credit loss provision to net charge-offs | 38.0952% | 2,838 |
| Earnings coverage of net charge-offs (x) | 16.5238% | 1,904 |
| Efficiency ratio | 73.2323% | 2,794 |
| Assets per employee ($millions) | 3.3600% | 5,057 |
| Cash dividends to net income (ytd only)* | 49.7717% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 2,105 |
| Loan loss allowance to noncurrent loans | 230.9834% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4968% | 3,959 |
| Noncurrent loans to loans | 0.6675% | 3,477 |
| Net loans and leases to total assets | 65.0070% | 3,123 |
| Net loans and leases to deposits | 79.0500% | 2,901 |
| Net loans and leases to core deposits | 86.4170% | 2,725 |
| Total domestic deposits to total assets | 82.2352% | 4,219 |
| Equity capital to assets | 9.7640% | 4,326 |
| Core capital (leverage) ratio | 9.5833% | 4,158 |
| Tier 1 risk-based capital ratio | 14.0786% | 3,878 |
| Total risk-based capital ratio | 15.3320% | 3,808 |
| Memoranda: | ||
| Average total assets | $379,138,670 | 1,752 |
| Average earning assets | $346,454,670 | 1,768 |
| Average equity | $37,209,330 | 1,940 |
| Average total loans | $246,726,000 | 1,765 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2454% | 2,293 |
| Cost of funding earning assets | 0.4615% | 2,660 |
| Net interest margin | 3.7839% | 2,283 |
| Noninterest income to average assets | 0.8166% | 1,652 |
| Noninterest expense to average assets | 3.2185% | 1,929 |
| Loan and lease loss provision to assets | 0.0509% | 2,917 |
| Net operating income to assets | 0.9990% | 2,278 |
| Return on assets (ROA) | 1.0637% | 2,116 |
| Pretax return on assets | 1.0637% | 3,245 |
| Return on Equity (ROE) | 10.8099% | 1,689 |
| Retained earnings to average equity (ytd only) | 4.8823% | 3,121 |
| Net charge-offs to loans | -0.0049% | 4,489 |
| Credit loss provision to net charge-offs | -1,600.0000% | 5,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2857% | 2,771 |
| Assets per employee ($millions) | 3.3573% | 5,154 |
| Cash dividends to net income (ytd only)* | 54.8355% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6585% | 1,857 |
| Loan loss allowance to noncurrent loans | 232.0276% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.4781% | 4,116 |
| Noncurrent loans to loans | 0.7148% | 3,480 |
| Net loans and leases to total assets | 62.4051% | 3,301 |
| Net loans and leases to deposits | 74.5736% | 3,224 |
| Net loans and leases to core deposits | 81.4734% | 3,010 |
| Total domestic deposits to total assets | 83.6826% | 3,939 |
| Equity capital to assets | 9.8669% | 4,301 |
| Core capital (leverage) ratio | 9.5135% | 4,256 |
| Tier 1 risk-based capital ratio | 14.3629% | 3,792 |
| Total risk-based capital ratio | 15.6175% | 3,714 |
| Memoranda: | ||
| Average total assets | $377,188,500 | 1,767 |
| Average earning assets | $344,089,000 | 1,783 |
| Average equity | $37,114,000 | 1,961 |
| Average total loans | $243,638,500 | 1,784 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4647% | 2,011 |
| Cost of funding earning assets | 0.5190% | 2,500 |
| Net interest margin | 3.9457% | 2,067 |
| Noninterest income to average assets | 0.9408% | 1,377 |
| Noninterest expense to average assets | 3.2624% | 2,031 |
| Loan and lease loss provision to assets | 0.1184% | 2,198 |
| Net operating income to assets | 1.1559% | 1,745 |
| Return on assets (ROA) | 1.2150% | 1,598 |
| Pretax return on assets | 1.2150% | 2,594 |
| Return on Equity (ROE) | 12.4571% | 1,273 |
| Retained earnings to average equity (ytd only) | 0.6003% | 5,504 |
| Net charge-offs to loans | 0.1768% | 2,260 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 10.7596% | 2,585 |
| Efficiency ratio | 70.8323% | 3,407 |
| Assets per employee ($millions) | 3.3183% | 5,231 |
| Cash dividends to net income (ytd only)* | 95.1813% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6272% | 1,999 |
| Loan loss allowance to noncurrent loans | 203.9487% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5570% | 3,937 |
| Noncurrent loans to loans | 0.7979% | 3,312 |
| Net loans and leases to total assets | 64.6928% | 3,108 |
| Net loans and leases to deposits | 78.3260% | 2,936 |
| Net loans and leases to core deposits | 84.3050% | 2,863 |
| Total domestic deposits to total assets | 82.5944% | 4,218 |
| Equity capital to assets | 9.8115% | 4,335 |
| Core capital (leverage) ratio | 9.5035% | 4,231 |
| Tier 1 risk-based capital ratio | 14.4848% | 3,786 |
| Total risk-based capital ratio | 15.7397% | 3,721 |
| Memoranda: | ||
| Average total assets | $372,336,800 | 1,746 |
| Average earning assets | $339,331,400 | 1,762 |
| Average equity | $36,316,600 | 1,936 |
| Average total loans | $249,504,000 | 1,689 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4690% | 1,982 |
| Cost of funding earning assets | 0.5350% | 2,419 |
| Net interest margin | 3.9340% | 2,097 |
| Noninterest income to average assets | 0.9582% | 1,344 |
| Noninterest expense to average assets | 3.2607% | 1,994 |
| Loan and lease loss provision to assets | 0.0752% | 2,841 |
| Net operating income to assets | 1.2098% | 1,650 |
| Return on assets (ROA) | 1.2885% | 1,453 |
| Pretax return on assets | 1.2885% | 2,420 |
| Return on Equity (ROE) | 13.2302% | 1,163 |
| Retained earnings to average equity (ytd only) | 5.7588% | 2,565 |
| Net charge-offs to loans | 0.0654% | 3,262 |
| Credit loss provision to net charge-offs | 170.7317% | 1,448 |
| Earnings coverage of net charge-offs (x) | 29.1863% | 1,397 |
| Efficiency ratio | 70.6614% | 3,396 |
| Assets per employee ($millions) | 3.4047% | 5,037 |
| Cash dividends to net income (ytd only)* | 56.4722% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6436% | 2,156 |
| Loan loss allowance to noncurrent loans | 183.6421% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.6146% | 3,987 |
| Noncurrent loans to loans | 0.8950% | 3,327 |
| Net loans and leases to total assets | 65.5337% | 2,947 |
| Net loans and leases to deposits | 79.9661% | 2,694 |
| Net loans and leases to core deposits | 85.8609% | 2,681 |
| Total domestic deposits to total assets | 81.9518% | 4,495 |
| Equity capital to assets | 10.0494% | 4,105 |
| Core capital (leverage) ratio | 9.8441% | 3,879 |
| Tier 1 risk-based capital ratio | 14.9138% | 3,640 |
| Total risk-based capital ratio | 16.1689% | 3,566 |
| Memoranda: | ||
| Average total assets | $372,510,000 | 1,765 |
| Average earning assets | $339,696,000 | 1,775 |
| Average equity | $36,279,750 | 1,946 |
| Average total loans | $250,779,000 | 1,695 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4688% | 1,933 |
| Cost of funding earning assets | 0.5502% | 2,349 |
| Net interest margin | 3.9186% | 2,086 |
| Noninterest income to average assets | 0.9797% | 1,257 |
| Noninterest expense to average assets | 3.2720% | 1,989 |
| Loan and lease loss provision to assets | 0.1046% | 2,276 |
| Net operating income to assets | 1.1700% | 1,688 |
| Return on assets (ROA) | 1.2607% | 1,478 |
| Pretax return on assets | 1.2607% | 2,407 |
| Return on Equity (ROE) | 13.0823% | 1,154 |
| Retained earnings to average equity (ytd only) | 5.2530% | 2,796 |
| Net charge-offs to loans | 0.0865% | 2,827 |
| Credit loss provision to net charge-offs | 178.8991% | 1,273 |
| Earnings coverage of net charge-offs (x) | 21.8073% | 1,528 |
| Efficiency ratio | 70.8928% | 3,514 |
| Assets per employee ($millions) | 3.2627% | 5,320 |
| Cash dividends to net income (ytd only)* | 59.8469% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6177% | 2,397 |
| Loan loss allowance to noncurrent loans | 304.8012% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.3767% | 4,894 |
| Noncurrent loans to loans | 0.5307% | 4,421 |
| Net loans and leases to total assets | 66.4340% | 2,688 |
| Net loans and leases to deposits | 81.5813% | 2,306 |
| Net loans and leases to core deposits | 85.9066% | 2,525 |
| Total domestic deposits to total assets | 81.4329% | 4,830 |
| Equity capital to assets | 9.9624% | 4,164 |
| Core capital (leverage) ratio | 9.6709% | 4,082 |
| Tier 1 risk-based capital ratio | 14.4972% | 3,935 |
| Total risk-based capital ratio | 15.7523% | 3,870 |
| Memoranda: | ||
| Average total assets | $372,977,670 | 1,761 |
| Average earning assets | $339,511,000 | 1,771 |
| Average equity | $35,941,670 | 1,953 |
| Average total loans | $251,950,670 | 1,686 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4781% | 1,874 |
| Cost of funding earning assets | 0.5611% | 2,332 |
| Net interest margin | 3.9170% | 2,028 |
| Noninterest income to average assets | 0.8450% | 1,583 |
| Noninterest expense to average assets | 3.2804% | 1,987 |
| Loan and lease loss provision to assets | 0.1392% | 1,748 |
| Net operating income to assets | 0.9842% | 2,271 |
| Return on assets (ROA) | 1.0185% | 2,203 |
| Pretax return on assets | 1.0185% | 3,258 |
| Return on Equity (ROE) | 10.7503% | 1,779 |
| Retained earnings to average equity (ytd only) | 3.0974% | 4,261 |
| Net charge-offs to loans | 0.0650% | 2,505 |
| Credit loss provision to net charge-offs | 317.0732% | 767 |
| Earnings coverage of net charge-offs (x) | 25.5854% | 1,146 |
| Efficiency ratio | 73.3949% | 3,246 |
| Assets per employee ($millions) | 3.2358% | 5,476 |
| Cash dividends to net income (ytd only)* | 71.1882% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6326% | 2,568 |
| Loan loss allowance to noncurrent loans | 291.2607% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 4,964 |
| Noncurrent loans to loans | 0.5605% | 4,481 |
| Net loans and leases to total assets | 65.8333% | 2,591 |
| Net loans and leases to deposits | 78.1947% | 2,530 |
| Net loans and leases to core deposits | 82.0270% | 2,732 |
| Total domestic deposits to total assets | 84.1915% | 4,212 |
| Equity capital to assets | 9.5795% | 4,386 |
| Core capital (leverage) ratio | 9.3829% | 4,450 |
| Tier 1 risk-based capital ratio | 14.3125% | 4,118 |
| Total risk-based capital ratio | 15.5675% | 4,070 |
| Memoranda: | ||
| Average total assets | $373,492,500 | 1,761 |
| Average earning assets | $339,342,000 | 1,777 |
| Average equity | $35,385,000 | 1,966 |
| Average total loans | $252,344,500 | 1,682 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6569% | 1,696 |
| Cost of funding earning assets | 0.5930% | 2,731 |
| Net interest margin | 4.0639% | 1,750 |
| Noninterest income to average assets | 0.8480% | 1,875 |
| Noninterest expense to average assets | 3.1964% | 2,431 |
| Loan and lease loss provision to assets | 0.1692% | 2,165 |
| Net operating income to assets | 1.1755% | 1,662 |
| Return on assets (ROA) | 1.1974% | 1,645 |
| Pretax return on assets | 1.1974% | 2,592 |
| Return on Equity (ROE) | 12.1767% | 1,366 |
| Retained earnings to average equity (ytd only) | -0.4905% | 5,973 |
| Net charge-offs to loans | 0.1557% | 3,248 |
| Credit loss provision to net charge-offs | 159.5477% | 1,438 |
| Earnings coverage of net charge-offs (x) | 12.6784% | 2,103 |
| Efficiency ratio | 68.4214% | 4,123 |
| Assets per employee ($millions) | 3.3772% | 5,142 |
| Cash dividends to net income (ytd only)* | 104.0285% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 2,939 |
| Loan loss allowance to noncurrent loans | 210.2008% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.5359% | 4,623 |
| Noncurrent loans to loans | 0.7401% | 4,107 |
| Net loans and leases to total assets | 67.1354% | 2,495 |
| Net loans and leases to deposits | 79.9307% | 2,468 |
| Net loans and leases to core deposits | 84.1137% | 2,666 |
| Total domestic deposits to total assets | 83.9920% | 4,169 |
| Equity capital to assets | 9.3694% | 4,586 |
| Core capital (leverage) ratio | 9.2122% | 4,702 |
| Tier 1 risk-based capital ratio | 13.8271% | 4,415 |
| Total risk-based capital ratio | 15.0811% | 4,364 |
| Memoranda: | ||
| Average total assets | $375,237,000 | 1,746 |
| Average earning assets | $341,000,000 | 1,747 |
| Average equity | $36,898,400 | 1,872 |
| Average total loans | $255,577,200 | 1,628 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6555% | 1,741 |
| Cost of funding earning assets | 0.5969% | 2,836 |
| Net interest margin | 4.0586% | 1,763 |
| Noninterest income to average assets | 0.8252% | 2,034 |
| Noninterest expense to average assets | 3.2078% | 2,345 |
| Loan and lease loss provision to assets | 0.1705% | 2,130 |
| Net operating income to assets | 1.1378% | 1,859 |
| Return on assets (ROA) | 1.1385% | 1,931 |
| Pretax return on assets | 1.1385% | 2,952 |
| Return on Equity (ROE) | 11.4434% | 1,668 |
| Retained earnings to average equity (ytd only) | -2.6565% | 6,330 |
| Net charge-offs to loans | 0.0965% | 3,591 |
| Credit loss provision to net charge-offs | 259.4595% | 962 |
| Earnings coverage of net charge-offs (x) | 19.9081% | 1,612 |
| Efficiency ratio | 68.7564% | 3,952 |
| Assets per employee ($millions) | 3.3030% | 5,279 |
| Cash dividends to net income (ytd only)* | 123.2136% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 3,218 |
| Loan loss allowance to noncurrent loans | 170.2532% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 4,480 |
| Noncurrent loans to loans | 0.9115% | 3,996 |
| Net loans and leases to total assets | 67.3875% | 2,396 |
| Net loans and leases to deposits | 84.5106% | 1,816 |
| Net loans and leases to core deposits | 87.2534% | 2,252 |
| Total domestic deposits to total assets | 79.7385% | 5,569 |
| Equity capital to assets | 9.2555% | 4,854 |
| Core capital (leverage) ratio | 9.0079% | 5,115 |
| Tier 1 risk-based capital ratio | 13.3540% | 4,871 |
| Total risk-based capital ratio | 14.6083% | 4,798 |
| Memoranda: | ||
| Average total assets | $375,329,250 | 1,752 |
| Average earning assets | $341,322,750 | 1,761 |
| Average equity | $37,342,250 | 1,871 |
| Average total loans | $255,560,000 | 1,625 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6677% | 1,660 |
| Cost of funding earning assets | 0.6061% | 2,884 |
| Net interest margin | 4.0616% | 1,662 |
| Noninterest income to average assets | 0.8164% | 2,126 |
| Noninterest expense to average assets | 3.2154% | 2,312 |
| Loan and lease loss provision to assets | 0.2006% | 1,890 |
| Net operating income to assets | 1.0893% | 1,959 |
| Return on assets (ROA) | 1.0898% | 2,072 |
| Pretax return on assets | 1.0898% | 3,134 |
| Return on Equity (ROE) | 10.7012% | 1,925 |
| Retained earnings to average equity (ytd only) | 4.4444% | 3,440 |
| Net charge-offs to loans | 0.0677% | 3,740 |
| Credit loss provision to net charge-offs | 436.0465% | 621 |
| Earnings coverage of net charge-offs (x) | 28.0349% | 1,200 |
| Efficiency ratio | 69.0773% | 3,996 |
| Assets per employee ($millions) | 3.2080% | 5,460 |
| Cash dividends to net income (ytd only)* | 58.4683% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5573% | 3,329 |
| Loan loss allowance to noncurrent loans | 228.5309% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.5164% | 4,980 |
| Noncurrent loans to loans | 0.6815% | 4,572 |
| Net loans and leases to total assets | 67.2785% | 2,366 |
| Net loans and leases to deposits | 81.3978% | 2,131 |
| Net loans and leases to core deposits | 84.2658% | 2,521 |
| Total domestic deposits to total assets | 82.6539% | 4,830 |
| Equity capital to assets | 9.7177% | 4,277 |
| Core capital (leverage) ratio | 9.5322% | 4,192 |
| Tier 1 risk-based capital ratio | 13.9081% | 4,482 |
| Total risk-based capital ratio | 15.1623% | 4,452 |
| Memoranda: | ||
| Average total assets | $373,823,000 | 1,756 |
| Average earning assets | $339,525,330 | 1,769 |
| Average equity | $38,070,670 | 1,841 |
| Average total loans | $254,078,330 | 1,634 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 1,562 |
| Cost of funding earning assets | 0.6127% | 2,985 |
| Net interest margin | 4.0786% | 1,528 |
| Noninterest income to average assets | 0.8238% | 2,026 |
| Noninterest expense to average assets | 3.2057% | 2,336 |
| Loan and lease loss provision to assets | 0.2024% | 1,832 |
| Net operating income to assets | 1.1070% | 1,832 |
| Return on assets (ROA) | 1.1070% | 1,938 |
| Pretax return on assets | 1.1070% | 2,932 |
| Return on Equity (ROE) | 10.6218% | 1,830 |
| Retained earnings to average equity (ytd only) | 3.4304% | 4,193 |
| Net charge-offs to loans | 0.0556% | 3,272 |
| Credit loss provision to net charge-offs | 537.1429% | 501 |
| Earnings coverage of net charge-offs (x) | 34.7429% | 885 |
| Efficiency ratio | 68.6859% | 4,196 |
| Assets per employee ($millions) | 3.2830% | 5,473 |
| Cash dividends to net income (ytd only)* | 67.7043% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 3,634 |
| Loan loss allowance to noncurrent loans | 246.2366% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 5,325 |
| Noncurrent loans to loans | 0.6283% | 4,873 |
| Net loans and leases to total assets | 66.1965% | 2,337 |
| Net loans and leases to deposits | 77.3683% | 2,438 |
| Net loans and leases to core deposits | 79.8884% | 2,821 |
| Total domestic deposits to total assets | 85.5602% | 3,767 |
| Equity capital to assets | 10.3277% | 3,760 |
| Core capital (leverage) ratio | 9.4777% | 4,126 |
| Tier 1 risk-based capital ratio | 14.1089% | 4,423 |
| Total risk-based capital ratio | 15.3630% | 4,376 |
| Memoranda: | ||
| Average total assets | $371,461,500 | 1,774 |
| Average earning assets | $336,193,500 | 1,801 |
| Average equity | $38,713,000 | 1,835 |
| Average total loans | $251,763,000 | 1,656 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9665% | 1,646 |
| Cost of funding earning assets | 0.7044% | 3,460 |
| Net interest margin | 4.2621% | 1,487 |
| Noninterest income to average assets | 0.7796% | 2,350 |
| Noninterest expense to average assets | 3.2603% | 2,450 |
| Loan and lease loss provision to assets | 0.3309% | 2,054 |
| Net operating income to assets | 1.0932% | 1,960 |
| Return on assets (ROA) | 1.2353% | 1,658 |
| Pretax return on assets | 1.2353% | 2,656 |
| Return on Equity (ROE) | 12.0924% | 1,484 |
| Retained earnings to average equity (ytd only) | 4.9977% | 2,703 |
| Net charge-offs to loans | 0.4184% | 2,569 |
| Credit loss provision to net charge-offs | 113.0074% | 2,575 |
| Earnings coverage of net charge-offs (x) | 4.8635% | 3,224 |
| Efficiency ratio | 67.3740% | 4,254 |
| Assets per employee ($millions) | 3.2917% | 5,433 |
| Cash dividends to net income (ytd only)* | 58.6705% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4848% | 3,809 |
| Loan loss allowance to noncurrent loans | 180.7637% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 5,070 |
| Noncurrent loans to loans | 0.8214% | 4,541 |
| Net loans and leases to total assets | 67.3097% | 2,319 |
| Net loans and leases to deposits | 78.8593% | 2,417 |
| Net loans and leases to core deposits | 81.7268% | 2,798 |
| Total domestic deposits to total assets | 85.3542% | 3,693 |
| Equity capital to assets | 10.5174% | 3,508 |
| Core capital (leverage) ratio | 9.4884% | 4,124 |
| Tier 1 risk-based capital ratio | 14.1385% | 4,284 |
| Total risk-based capital ratio | 15.3920% | 4,238 |
| Memoranda: | ||
| Average total assets | $370,208,200 | 1,759 |
| Average earning assets | $339,173,800 | 1,754 |
| Average equity | $37,817,200 | 1,835 |
| Average total loans | $259,065,000 | 1,599 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9894% | 1,714 |
| Cost of funding earning assets | 0.7157% | 3,627 |
| Net interest margin | 4.2738% | 1,544 |
| Noninterest income to average assets | 0.7577% | 2,438 |
| Noninterest expense to average assets | 3.3038% | 2,267 |
| Loan and lease loss provision to assets | 0.3058% | 2,161 |
| Net operating income to assets | 1.0818% | 2,161 |
| Return on assets (ROA) | 1.2466% | 1,752 |
| Pretax return on assets | 1.2466% | 2,800 |
| Return on Equity (ROE) | 12.2941% | 1,537 |
| Retained earnings to average equity (ytd only) | 5.5776% | 2,982 |
| Net charge-offs to loans | 0.3511% | 2,699 |
| Credit loss provision to net charge-offs | 123.7263% | 2,338 |
| Earnings coverage of net charge-offs (x) | 5.6142% | 2,975 |
| Efficiency ratio | 68.1979% | 4,019 |
| Assets per employee ($millions) | 3.0814% | 5,892 |
| Cash dividends to net income (ytd only)* | 54.6322% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4531% | 4,146 |
| Loan loss allowance to noncurrent loans | 243.9689% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.4287% | 5,606 |
| Noncurrent loans to loans | 0.5956% | 5,252 |
| Net loans and leases to total assets | 69.5806% | 1,996 |
| Net loans and leases to deposits | 82.0415% | 2,114 |
| Net loans and leases to core deposits | 84.8736% | 2,595 |
| Total domestic deposits to total assets | 84.8114% | 3,834 |
| Equity capital to assets | 10.5371% | 3,800 |
| Core capital (leverage) ratio | 9.4213% | 4,389 |
| Tier 1 risk-based capital ratio | 13.9164% | 4,592 |
| Total risk-based capital ratio | 15.1698% | 4,549 |
| Memoranda: | ||
| Average total assets | $370,593,750 | 1,780 |
| Average earning assets | $341,112,000 | 1,766 |
| Average equity | $37,578,000 | 1,869 |
| Average total loans | $260,859,250 | 1,597 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0130% | 1,754 |
| Cost of funding earning assets | 0.7298% | 3,774 |
| Net interest margin | 4.2832% | 1,514 |
| Noninterest income to average assets | 0.7384% | 2,479 |
| Noninterest expense to average assets | 3.3359% | 2,200 |
| Loan and lease loss provision to assets | 0.3361% | 1,964 |
| Net operating income to assets | 1.0051% | 2,443 |
| Return on assets (ROA) | 1.2503% | 1,734 |
| Pretax return on assets | 1.2503% | 2,725 |
| Return on Equity (ROE) | 12.4917% | 1,506 |
| Retained earnings to average equity (ytd only) | 5.6253% | 2,914 |
| Net charge-offs to loans | 0.2034% | 3,358 |
| Credit loss provision to net charge-offs | 234.9624% | 1,213 |
| Earnings coverage of net charge-offs (x) | 9.3759% | 2,178 |
| Efficiency ratio | 69.1043% | 3,916 |
| Assets per employee ($millions) | 2.9805% | 6,101 |
| Cash dividends to net income (ytd only)* | 54.9677% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 3,838 |
| Loan loss allowance to noncurrent loans | 234.0627% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.4654% | 5,606 |
| Noncurrent loans to loans | 0.6568% | 5,192 |
| Net loans and leases to total assets | 69.1504% | 2,078 |
| Net loans and leases to deposits | 81.2565% | 2,198 |
| Net loans and leases to core deposits | 84.3099% | 2,652 |
| Total domestic deposits to total assets | 85.1014% | 3,812 |
| Equity capital to assets | 10.3157% | 3,920 |
| Core capital (leverage) ratio | 9.1055% | 4,756 |
| Tier 1 risk-based capital ratio | 13.7316% | 4,636 |
| Total risk-based capital ratio | 14.9864% | 4,610 |
| Memoranda: | ||
| Average total assets | $371,897,000 | 1,775 |
| Average earning assets | $341,988,670 | 1,760 |
| Average equity | $37,224,670 | 1,869 |
| Average total loans | $261,511,330 | 1,600 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0527% | 1,711 |
| Cost of funding earning assets | 0.7560% | 3,820 |
| Net interest margin | 4.2967% | 1,476 |
| Noninterest income to average assets | 0.6354% | 3,023 |
| Noninterest expense to average assets | 3.3694% | 2,088 |
| Loan and lease loss provision to assets | 0.2403% | 2,545 |
| Net operating income to assets | 0.9708% | 2,590 |
| Return on assets (ROA) | 0.9708% | 2,793 |
| Pretax return on assets | 0.9708% | 3,792 |
| Return on Equity (ROE) | 9.8461% | 2,456 |
| Retained earnings to average equity (ytd only) | 3.1520% | 4,674 |
| Net charge-offs to loans | 0.2854% | 2,528 |
| Credit loss provision to net charge-offs | 119.6809% | 1,989 |
| Earnings coverage of net charge-offs (x) | 6.0319% | 2,262 |
| Efficiency ratio | 71.3220% | 3,566 |
| Assets per employee ($millions) | 3.0583% | 6,046 |
| Cash dividends to net income (ytd only)* | 67.9868% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 4,631 |
| Loan loss allowance to noncurrent loans | 293.9369% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.4325% | 5,782 |
| Noncurrent loans to loans | 0.4750% | 5,722 |
| Net loans and leases to total assets | 67.7121% | 2,164 |
| Net loans and leases to deposits | 79.5791% | 2,266 |
| Net loans and leases to core deposits | 82.5344% | 2,757 |
| Total domestic deposits to total assets | 85.0878% | 3,994 |
| Equity capital to assets | 9.7580% | 4,446 |
| Core capital (leverage) ratio | 8.7900% | 5,140 |
| Tier 1 risk-based capital ratio | 13.1000% | 5,131 |
| Total risk-based capital ratio | 14.3524% | 5,099 |
| Memoranda: | ||
| Average total assets | $374,546,500 | 1,773 |
| Average earning assets | $343,895,000 | 1,758 |
| Average equity | $36,928,500 | 1,884 |
| Average total loans | $263,536,000 | 1,590 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3730% | 1,488 |
| Cost of funding earning assets | 0.9343% | 3,840 |
| Net interest margin | 4.4386% | 1,293 |
| Noninterest income to average assets | 0.7251% | 2,475 |
| Noninterest expense to average assets | 3.3168% | 2,471 |
| Loan and lease loss provision to assets | 0.2716% | 3,500 |
| Net operating income to assets | 1.2133% | 1,479 |
| Return on assets (ROA) | 1.2402% | 1,507 |
| Pretax return on assets | 1.2402% | 2,325 |
| Return on Equity (ROE) | 12.3921% | 1,298 |
| Retained earnings to average equity (ytd only) | -0.9985% | 6,005 |
| Net charge-offs to loans | 0.3282% | 3,748 |
| Credit loss provision to net charge-offs | 112.1076% | 2,947 |
| Earnings coverage of net charge-offs (x) | 6.1300% | 2,587 |
| Efficiency ratio | 66.8929% | 4,594 |
| Assets per employee ($millions) | 2.8672% | 6,342 |
| Cash dividends to net income (ytd only)* | 108.0578% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 4,668 |
| Loan loss allowance to noncurrent loans | 137.8399% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.8011% | 5,034 |
| Noncurrent loans to loans | 0.9792% | 4,749 |
| Net loans and leases to total assets | 71.1215% | 1,801 |
| Net loans and leases to deposits | 83.8690% | 1,942 |
| Net loans and leases to core deposits | 87.0493% | 2,498 |
| Total domestic deposits to total assets | 84.8008% | 3,959 |
| Equity capital to assets | 9.9636% | 4,209 |
| Core capital (leverage) ratio | 8.8438% | 5,028 |
| Tier 1 risk-based capital ratio | 12.9688% | 5,093 |
| Total risk-based capital ratio | 14.2212% | 5,071 |
| Memoranda: | ||
| Average total assets | $368,243,600 | 1,768 |
| Average earning assets | $338,211,800 | 1,755 |
| Average equity | $36,854,000 | 1,827 |
| Average total loans | $271,778,200 | 1,553 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4140% | 1,472 |
| Cost of funding earning assets | 0.9711% | 3,883 |
| Net interest margin | 4.4429% | 1,291 |
| Noninterest income to average assets | 0.7532% | 2,294 |
| Noninterest expense to average assets | 3.3307% | 2,401 |
| Loan and lease loss provision to assets | 0.2628% | 3,405 |
| Net operating income to assets | 1.2440% | 1,534 |
| Return on assets (ROA) | 1.2810% | 1,531 |
| Pretax return on assets | 1.2810% | 2,356 |
| Return on Equity (ROE) | 12.7851% | 1,334 |
| Retained earnings to average equity (ytd only) | 2.1996% | 5,023 |
| Net charge-offs to loans | 0.3145% | 3,527 |
| Credit loss provision to net charge-offs | 112.5776% | 2,903 |
| Earnings coverage of net charge-offs (x) | 6.4549% | 2,550 |
| Efficiency ratio | 66.6866% | 4,587 |
| Assets per employee ($millions) | 2.8964% | 6,315 |
| Cash dividends to net income (ytd only)* | 82.7958% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 4,920 |
| Loan loss allowance to noncurrent loans | 99.9440% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.1752% | 4,433 |
| Noncurrent loans to loans | 1.3207% | 4,334 |
| Net loans and leases to total assets | 72.5941% | 1,587 |
| Net loans and leases to deposits | 86.7018% | 1,587 |
| Net loans and leases to core deposits | 90.1953% | 2,227 |
| Total domestic deposits to total assets | 83.7284% | 4,357 |
| Equity capital to assets | 10.3873% | 3,848 |
| Core capital (leverage) ratio | 9.1059% | 4,779 |
| Tier 1 risk-based capital ratio | 13.1962% | 4,952 |
| Total risk-based capital ratio | 14.4482% | 4,928 |
| Memoranda: | ||
| Average total assets | $367,837,750 | 1,769 |
| Average earning assets | $338,151,000 | 1,767 |
| Average equity | $36,854,500 | 1,831 |
| Average total loans | $273,059,250 | 1,564 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4219% | 1,499 |
| Cost of funding earning assets | 1.0062% | 3,911 |
| Net interest margin | 4.4156% | 1,321 |
| Noninterest income to average assets | 0.7444% | 2,286 |
| Noninterest expense to average assets | 3.3624% | 2,364 |
| Loan and lease loss provision to assets | 0.2719% | 3,220 |
| Net operating income to assets | 1.1663% | 1,677 |
| Return on assets (ROA) | 1.2190% | 1,593 |
| Pretax return on assets | 1.2190% | 2,408 |
| Return on Equity (ROE) | 12.3177% | 1,404 |
| Retained earnings to average equity (ytd only) | 1.2197% | 5,366 |
| Net charge-offs to loans | 0.3155% | 3,292 |
| Credit loss provision to net charge-offs | 115.7407% | 2,643 |
| Earnings coverage of net charge-offs (x) | 6.1227% | 2,463 |
| Efficiency ratio | 67.8559% | 4,540 |
| Assets per employee ($millions) | 2.8768% | 6,340 |
| Cash dividends to net income (ytd only)* | 90.0981% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 5,036 |
| Loan loss allowance to noncurrent loans | 85.1843% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.2218% | 4,453 |
| Noncurrent loans to loans | 1.5324% | 4,115 |
| Net loans and leases to total assets | 73.0755% | 1,580 |
| Net loans and leases to deposits | 86.9251% | 1,657 |
| Net loans and leases to core deposits | 90.0779% | 2,364 |
| Total domestic deposits to total assets | 84.0672% | 4,312 |
| Equity capital to assets | 10.1001% | 4,016 |
| Core capital (leverage) ratio | 8.8655% | 4,935 |
| Tier 1 risk-based capital ratio | 12.9323% | 4,973 |
| Total risk-based capital ratio | 14.1843% | 4,950 |
| Memoranda: | ||
| Average total assets | $367,835,670 | 1,778 |
| Average earning assets | $337,890,670 | 1,773 |
| Average equity | $36,403,000 | 1,838 |
| Average total loans | $273,877,330 | 1,581 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4226% | 1,492 |
| Cost of funding earning assets | 1.0382% | 3,929 |
| Net interest margin | 4.3844% | 1,326 |
| Noninterest income to average assets | 0.7203% | 2,449 |
| Noninterest expense to average assets | 3.3979% | 2,286 |
| Loan and lease loss provision to assets | 0.2448% | 3,217 |
| Net operating income to assets | 1.0978% | 1,849 |
| Return on assets (ROA) | 1.0978% | 1,895 |
| Pretax return on assets | 1.0978% | 2,761 |
| Return on Equity (ROE) | 11.2085% | 1,674 |
| Retained earnings to average equity (ytd only) | -0.1444% | 5,816 |
| Net charge-offs to loans | 0.2565% | 3,048 |
| Credit loss provision to net charge-offs | 127.8409% | 2,160 |
| Earnings coverage of net charge-offs (x) | 7.0114% | 2,017 |
| Efficiency ratio | 69.4744% | 4,382 |
| Assets per employee ($millions) | 2.9324% | 6,276 |
| Cash dividends to net income (ytd only)* | 101.2884% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 5,126 |
| Loan loss allowance to noncurrent loans | 87.7323% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.1791% | 4,593 |
| Noncurrent loans to loans | 1.4821% | 4,249 |
| Net loans and leases to total assets | 72.1506% | 1,689 |
| Net loans and leases to deposits | 84.7263% | 1,925 |
| Net loans and leases to core deposits | 87.8297% | 2,622 |
| Total domestic deposits to total assets | 85.1572% | 3,970 |
| Equity capital to assets | 9.6626% | 4,232 |
| Core capital (leverage) ratio | 8.7695% | 4,971 |
| Tier 1 risk-based capital ratio | 12.7612% | 5,001 |
| Total risk-based capital ratio | 14.0132% | 4,982 |
| Memoranda: | ||
| Average total assets | $367,637,000 | 1,793 |
| Average earning assets | $337,106,000 | 1,778 |
| Average equity | $36,008,500 | 1,836 |
| Average total loans | $274,492,500 | 1,597 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7062% | 1,549 |
| Cost of funding earning assets | 1.4423% | 3,005 |
| Net interest margin | 4.2639% | 1,944 |
| Noninterest income to average assets | 0.8042% | 2,262 |
| Noninterest expense to average assets | 3.1820% | 3,156 |
| Loan and lease loss provision to assets | 0.3714% | 3,898 |
| Net operating income to assets | 1.1750% | 1,475 |
| Return on assets (ROA) | 1.1959% | 1,504 |
| Pretax return on assets | 1.1959% | 2,238 |
| Return on Equity (ROE) | 12.2557% | 1,267 |
| Retained earnings to average equity (ytd only) | 3.1238% | 3,673 |
| Net charge-offs to loans | 0.4730% | 3,729 |
| Credit loss provision to net charge-offs | 102.2727% | 4,425 |
| Earnings coverage of net charge-offs (x) | 4.2583% | 2,998 |
| Efficiency ratio | 65.0492% | 5,155 |
| Assets per employee ($millions) | 2.8128% | 6,505 |
| Cash dividends to net income (ytd only)* | 74.5112% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 5,198 |
| Loan loss allowance to noncurrent loans | 166.1590% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.6465% | 5,705 |
| Noncurrent loans to loans | 0.7592% | 5,527 |
| Net loans and leases to total assets | 75.3060% | 1,413 |
| Net loans and leases to deposits | 88.7894% | 1,678 |
| Net loans and leases to core deposits | 92.0279% | 2,501 |
| Total domestic deposits to total assets | 84.8141% | 3,942 |
| Equity capital to assets | 9.9301% | 3,840 |
| Core capital (leverage) ratio | 8.9769% | 4,585 |
| Tier 1 risk-based capital ratio | 12.7377% | 4,832 |
| Total risk-based capital ratio | 13.9894% | 4,800 |
| Memoranda: | ||
| Average total assets | $363,482,400 | 1,804 |
| Average earning assets | $334,532,000 | 1,783 |
| Average equity | $35,469,200 | 1,866 |
| Average total loans | $279,070,000 | 1,602 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7168% | 1,660 |
| Cost of funding earning assets | 1.5156% | 2,874 |
| Net interest margin | 4.2012% | 2,210 |
| Noninterest income to average assets | 0.7953% | 2,256 |
| Noninterest expense to average assets | 3.1741% | 3,014 |
| Loan and lease loss provision to assets | 0.2970% | 4,201 |
| Net operating income to assets | 1.1986% | 1,599 |
| Return on assets (ROA) | 1.2265% | 1,599 |
| Pretax return on assets | 1.2265% | 2,404 |
| Return on Equity (ROE) | 12.6241% | 1,353 |
| Retained earnings to average equity (ytd only) | 2.5550% | 4,633 |
| Net charge-offs to loans | 0.3542% | 3,888 |
| Credit loss provision to net charge-offs | 109.0175% | 3,901 |
| Earnings coverage of net charge-offs (x) | 5.4899% | 2,736 |
| Efficiency ratio | 65.7035% | 4,922 |
| Assets per employee ($millions) | 2.8052% | 6,572 |
| Cash dividends to net income (ytd only)* | 79.7607% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 5,106 |
| Loan loss allowance to noncurrent loans | 129.9926% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7533% | 5,599 |
| Noncurrent loans to loans | 0.9780% | 5,281 |
| Net loans and leases to total assets | 75.7159% | 1,461 |
| Net loans and leases to deposits | 90.4293% | 1,664 |
| Net loans and leases to core deposits | 93.9561% | 2,531 |
| Total domestic deposits to total assets | 83.7293% | 4,258 |
| Equity capital to assets | 10.1013% | 4,020 |
| Core capital (leverage) ratio | 8.8224% | 4,966 |
| Tier 1 risk-based capital ratio | 12.6151% | 4,880 |
| Total risk-based capital ratio | 13.8671% | 4,859 |
| Memoranda: | ||
| Average total assets | $363,638,750 | 1,823 |
| Average earning assets | $335,356,000 | 1,804 |
| Average equity | $35,328,500 | 1,893 |
| Average total loans | $279,651,500 | 1,623 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7022% | 1,755 |
| Cost of funding earning assets | 1.5490% | 2,967 |
| Net interest margin | 4.1532% | 2,325 |
| Noninterest income to average assets | 0.7605% | 2,322 |
| Noninterest expense to average assets | 3.1782% | 2,980 |
| Loan and lease loss provision to assets | 0.2416% | 4,498 |
| Net operating income to assets | 1.1745% | 1,631 |
| Return on assets (ROA) | 1.2163% | 1,585 |
| Pretax return on assets | 1.2163% | 2,361 |
| Return on Equity (ROE) | 12.6860% | 1,317 |
| Retained earnings to average equity (ytd only) | 4.6449% | 3,116 |
| Net charge-offs to loans | 0.2575% | 4,061 |
| Credit loss provision to net charge-offs | 121.8837% | 3,321 |
| Earnings coverage of net charge-offs (x) | 7.1440% | 2,358 |
| Efficiency ratio | 66.8698% | 4,798 |
| Assets per employee ($millions) | 2.8265% | 6,516 |
| Cash dividends to net income (ytd only)* | 63.3860% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 5,069 |
| Loan loss allowance to noncurrent loans | 139.6450% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.7289% | 5,670 |
| Noncurrent loans to loans | 0.9116% | 5,457 |
| Net loans and leases to total assets | 75.8819% | 1,513 |
| Net loans and leases to deposits | 90.8691% | 1,713 |
| Net loans and leases to core deposits | 94.6101% | 2,633 |
| Total domestic deposits to total assets | 83.5068% | 4,333 |
| Equity capital to assets | 9.9446% | 4,088 |
| Core capital (leverage) ratio | 8.6123% | 5,213 |
| Tier 1 risk-based capital ratio | 12.6672% | 4,715 |
| Total risk-based capital ratio | 13.9193% | 4,690 |
| Memoranda: | ||
| Average total assets | $364,229,670 | 1,836 |
| Average earning assets | $336,222,330 | 1,819 |
| Average equity | $34,920,330 | 1,913 |
| Average total loans | $280,362,670 | 1,631 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6457% | 1,974 |
| Cost of funding earning assets | 1.5526% | 3,253 |
| Net interest margin | 4.0931% | 2,471 |
| Noninterest income to average assets | 0.7476% | 2,312 |
| Noninterest expense to average assets | 3.2311% | 2,755 |
| Loan and lease loss provision to assets | 0.2627% | 3,935 |
| Net operating income to assets | 1.0311% | 2,065 |
| Return on assets (ROA) | 1.0311% | 2,125 |
| Pretax return on assets | 1.0311% | 2,966 |
| Return on Equity (ROE) | 10.9562% | 1,800 |
| Retained earnings to average equity (ytd only) | 2.0470% | 4,899 |
| Net charge-offs to loans | 0.3211% | 3,124 |
| Credit loss provision to net charge-offs | 106.1947% | 3,235 |
| Earnings coverage of net charge-offs (x) | 5.2301% | 2,437 |
| Efficiency ratio | 69.0614% | 4,499 |
| Assets per employee ($millions) | 2.9371% | 6,364 |
| Cash dividends to net income (ytd only)* | 81.3163% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 5,244 |
| Loan loss allowance to noncurrent loans | 133.4485% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.7371% | 5,688 |
| Noncurrent loans to loans | 0.9338% | 5,452 |
| Net loans and leases to total assets | 74.4132% | 1,883 |
| Net loans and leases to deposits | 88.9564% | 2,069 |
| Net loans and leases to core deposits | 92.4554% | 3,053 |
| Total domestic deposits to total assets | 83.6514% | 4,325 |
| Equity capital to assets | 9.3127% | 4,812 |
| Core capital (leverage) ratio | 8.5152% | 5,347 |
| Tier 1 risk-based capital ratio | 11.9777% | 5,216 |
| Total risk-based capital ratio | 13.2291% | 5,177 |
| Memoranda: | ||
| Average total assets | $365,451,500 | 1,875 |
| Average earning assets | $337,249,500 | 1,855 |
| Average equity | $34,391,500 | 1,967 |
| Average total loans | $281,509,000 | 1,671 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0682% | 1,605 |
| Cost of funding earning assets | 1.8177% | 3,895 |
| Net interest margin | 4.2505% | 1,893 |
| Noninterest income to average assets | 0.8019% | 2,398 |
| Noninterest expense to average assets | 3.2849% | 3,060 |
| Loan and lease loss provision to assets | 0.2873% | 5,131 |
| Net operating income to assets | 1.1529% | 1,380 |
| Return on assets (ROA) | 1.1529% | 1,404 |
| Pretax return on assets | 1.1529% | 2,085 |
| Return on Equity (ROE) | 12.1829% | 1,115 |
| Retained earnings to average equity (ytd only) | 4.8756% | 1,888 |
| Net charge-offs to loans | 0.2721% | 4,917 |
| Credit loss provision to net charge-offs | 130.7692% | 3,886 |
| Earnings coverage of net charge-offs (x) | 6.5551% | 2,340 |
| Efficiency ratio | 67.2191% | 5,142 |
| Assets per employee ($millions) | 2.9576% | 6,326 |
| Cash dividends to net income (ytd only)* | 59.9805% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 5,254 |
| Loan loss allowance to noncurrent loans | 214.0383% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.4695% | 6,285 |
| Noncurrent loans to loans | 0.5690% | 6,102 |
| Net loans and leases to total assets | 77.7925% | 1,431 |
| Net loans and leases to deposits | 93.7000% | 1,642 |
| Net loans and leases to core deposits | 119.7308% | 1,965 |
| Total domestic deposits to total assets | 83.0230% | 4,512 |
| Equity capital to assets | 9.5112% | 4,398 |
| Core capital (leverage) ratio | 8.6365% | 5,042 |
| Tier 1 risk-based capital ratio | 11.7673% | 5,140 |
| Total risk-based capital ratio | 13.0183% | 5,101 |
| Memoranda: | ||
| Average total assets | $355,020,200 | 1,914 |
| Average earning assets | $327,675,400 | 1,896 |
| Average equity | $33,596,200 | 1,998 |
| Average total loans | $286,635,800 | 1,672 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0993% | 1,659 |
| Cost of funding earning assets | 1.8580% | 4,109 |
| Net interest margin | 4.2413% | 1,900 |
| Noninterest income to average assets | 0.8040% | 2,408 |
| Noninterest expense to average assets | 3.3483% | 2,732 |
| Loan and lease loss provision to assets | 0.2885% | 4,668 |
| Net operating income to assets | 1.0857% | 1,782 |
| Return on assets (ROA) | 1.0857% | 1,837 |
| Pretax return on assets | 1.0857% | 2,625 |
| Return on Equity (ROE) | 11.4874% | 1,489 |
| Retained earnings to average equity (ytd only) | 3.7946% | 3,169 |
| Net charge-offs to loans | 0.2376% | 4,561 |
| Credit loss provision to net charge-offs | 149.4141% | 3,223 |
| Earnings coverage of net charge-offs (x) | 7.1172% | 2,471 |
| Efficiency ratio | 68.5938% | 4,863 |
| Assets per employee ($millions) | 2.8887% | 6,438 |
| Cash dividends to net income (ytd only)* | 66.9676% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 5,030 |
| Loan loss allowance to noncurrent loans | 212.2175% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 6,265 |
| Noncurrent loans to loans | 0.5725% | 6,173 |
| Net loans and leases to total assets | 79.5015% | 1,289 |
| Net loans and leases to deposits | 96.9416% | 1,453 |
| Net loans and leases to core deposits | 123.8247% | 1,916 |
| Total domestic deposits to total assets | 82.0097% | 4,675 |
| Equity capital to assets | 9.5341% | 4,702 |
| Core capital (leverage) ratio | 8.5240% | 5,447 |
| Tier 1 risk-based capital ratio | 11.5503% | 5,384 |
| Total risk-based capital ratio | 12.8015% | 5,330 |
| Memoranda: | ||
| Average total assets | $353,568,000 | 1,933 |
| Average earning assets | $326,651,000 | 1,918 |
| Average equity | $33,415,500 | 2,033 |
| Average total loans | $287,255,000 | 1,685 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1137% | 1,747 |
| Cost of funding earning assets | 1.8923% | 4,304 |
| Net interest margin | 4.2214% | 1,914 |
| Noninterest income to average assets | 0.7921% | 2,451 |
| Noninterest expense to average assets | 3.3735% | 2,709 |
| Loan and lease loss provision to assets | 0.2890% | 4,263 |
| Net operating income to assets | 1.0278% | 2,012 |
| Return on assets (ROA) | 1.0278% | 2,093 |
| Pretax return on assets | 1.0278% | 2,892 |
| Return on Equity (ROE) | 10.9073% | 1,727 |
| Retained earnings to average equity (ytd only) | 4.3353% | 2,885 |
| Net charge-offs to loans | 0.2044% | 4,251 |
| Credit loss provision to net charge-offs | 173.4694% | 2,650 |
| Earnings coverage of net charge-offs (x) | 7.9048% | 2,364 |
| Efficiency ratio | 69.5941% | 4,863 |
| Assets per employee ($millions) | 2.7055% | 6,818 |
| Cash dividends to net income (ytd only)* | 60.2536% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 4,923 |
| Loan loss allowance to noncurrent loans | 152.3493% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.6845% | 5,703 |
| Noncurrent loans to loans | 0.7892% | 5,656 |
| Net loans and leases to total assets | 80.9206% | 1,154 |
| Net loans and leases to deposits | 100.3946% | 1,248 |
| Net loans and leases to core deposits | 127.0834% | 1,776 |
| Total domestic deposits to total assets | 80.6026% | 5,232 |
| Equity capital to assets | 9.5956% | 4,493 |
| Core capital (leverage) ratio | 8.5135% | 5,423 |
| Tier 1 risk-based capital ratio | 11.4799% | 5,406 |
| Total risk-based capital ratio | 12.7310% | 5,320 |
| Memoranda: | ||
| Average total assets | $352,986,000 | 1,961 |
| Average earning assets | $325,957,330 | 1,942 |
| Average equity | $33,262,000 | 2,045 |
| Average total loans | $287,688,670 | 1,715 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1335% | 1,815 |
| Cost of funding earning assets | 1.9382% | 4,444 |
| Net interest margin | 4.1953% | 1,913 |
| Noninterest income to average assets | 0.7189% | 2,768 |
| Noninterest expense to average assets | 3.3276% | 2,575 |
| Loan and lease loss provision to assets | 0.2873% | 3,657 |
| Net operating income to assets | 0.9725% | 2,430 |
| Return on assets (ROA) | 0.9725% | 2,553 |
| Pretax return on assets | 0.9725% | 3,454 |
| Return on Equity (ROE) | 10.4139% | 2,162 |
| Retained earnings to average equity (ytd only) | 3.4271% | 3,980 |
| Net charge-offs to loans | 0.1109% | 4,080 |
| Credit loss provision to net charge-offs | 318.7500% | 1,544 |
| Earnings coverage of net charge-offs (x) | 13.9750% | 1,705 |
| Efficiency ratio | 70.1793% | 4,538 |
| Assets per employee ($millions) | 2.7581% | 6,749 |
| Cash dividends to net income (ytd only)* | 67.0915% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 4,910 |
| Loan loss allowance to noncurrent loans | 153.7347% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.6821% | 5,453 |
| Noncurrent loans to loans | 0.7698% | 5,506 |
| Net loans and leases to total assets | 80.3157% | 1,326 |
| Net loans and leases to deposits | 99.2339% | 1,506 |
| Net loans and leases to core deposits | 124.8521% | 2,004 |
| Total domestic deposits to total assets | 80.9357% | 4,998 |
| Equity capital to assets | 9.4191% | 4,784 |
| Core capital (leverage) ratio | 8.2841% | 5,932 |
| Tier 1 risk-based capital ratio | 11.2581% | 5,638 |
| Total risk-based capital ratio | 12.5089% | 5,546 |
| Memoranda: | ||
| Average total assets | $354,971,500 | 1,956 |
| Average earning assets | $327,319,500 | 1,933 |
| Average equity | $33,148,000 | 2,042 |
| Average total loans | $288,602,000 | 1,719 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4610% | 3,155 |
| Cost of funding earning assets | 2.4613% | 4,416 |
| Net interest margin | 3.9997% | 3,111 |
| Noninterest income to average assets | 0.8625% | 2,151 |
| Noninterest expense to average assets | 3.1043% | 3,679 |
| Loan and lease loss provision to assets | 0.2175% | 4,711 |
| Net operating income to assets | 1.2147% | 1,732 |
| Return on assets (ROA) | 1.2147% | 1,677 |
| Pretax return on assets | 1.2147% | 2,595 |
| Return on Equity (ROE) | 13.8100% | 1,147 |
| Retained earnings to average equity (ytd only) | 2.2807% | 3,790 |
| Net charge-offs to loans | 0.3836% | 2,909 |
| Credit loss provision to net charge-offs | 70.7845% | 6,061 |
| Earnings coverage of net charge-offs (x) | 4.6610% | 3,907 |
| Efficiency ratio | 66.0722% | 5,113 |
| Assets per employee ($millions) | 2.7038% | 6,777 |
| Cash dividends to net income (ytd only)* | 83.4854% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 5,201 |
| Loan loss allowance to noncurrent loans | 140.9628% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.6621% | 5,234 |
| Noncurrent loans to loans | 0.7872% | 5,070 |
| Net loans and leases to total assets | 80.4254% | 1,568 |
| Net loans and leases to deposits | 102.3392% | 1,550 |
| Net loans and leases to core deposits | 129.3983% | 1,899 |
| Total domestic deposits to total assets | 78.5871% | 5,518 |
| Equity capital to assets | 9.2582% | 4,991 |
| Core capital (leverage) ratio | 8.0834% | 6,350 |
| Tier 1 risk-based capital ratio | 10.9408% | 5,780 |
| Total risk-based capital ratio | 12.1689% | 5,716 |
| Memoranda: | ||
| Average total assets | $360,920,800 | 1,858 |
| Average earning assets | $331,527,600 | 1,846 |
| Average equity | $31,745,000 | 2,131 |
| Average total loans | $289,117,800 | 1,672 |