Home > Kentucky Bank > Performance and Condition Ratios
Kentucky Bank, Performance and Condition Ratios
| 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 | 3.4130% | 3,155 |
| Cost of funding earning assets | 0.3789% | 2,274 |
| Net interest margin | 3.0341% | 3,172 |
| Noninterest income to average assets | 1.3315% | 733 |
| Noninterest expense to average assets | 2.9583% | 1,053 |
| Loan and lease loss provision to assets | 0.0319% | 2,352 |
| Net operating income to assets | 0.9513% | 2,967 |
| Return on assets (ROA) | 0.9499% | 3,062 |
| Pretax return on assets | 1.1302% | 3,042 |
| Return on Equity (ROE) | 9.6588% | 2,799 |
| Retained earnings to average equity (ytd only) | 4.4677% | 3,372 |
| Net charge-offs to loans | 0.2791% | 306 |
| Credit loss provision to net charge-offs | 18.6220% | 1,428 |
| Earnings coverage of net charge-offs (x) | 6.7914% | 1,636 |
| Efficiency ratio | 71.6597% | 1,532 |
| Assets per employee ($millions) | 5.7249% | 2,883 |
| Cash dividends to net income (ytd only)* | 53.7454% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 2,749 |
| Loan loss allowance to noncurrent loans | 232.3183% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.3782% | 2,286 |
| Noncurrent loans to loans | 0.5304% | 2,261 |
| Net loans and leases to total assets | 59.6675% | 2,583 |
| Net loans and leases to deposits | 73.3059% | 2,181 |
| Net loans and leases to core deposits | 80.2389% | 1,982 |
| Total domestic deposits to total assets | 81.3952% | 4,005 |
| Equity capital to assets | 9.6536% | 3,048 |
| Core capital (leverage) ratio | 8.8436% | 3,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,253,578,000 | 792 |
| Average earning assets | $1,152,893,000 | 796 |
| Average equity | $123,286,000 | 840 |
| Average total loans | $769,544,000 | 832 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9367% | 2,914 |
| Cost of funding earning assets | 0.5942% | 2,358 |
| Net interest margin | 3.3425% | 2,950 |
| Noninterest income to average assets | 1.3187% | 665 |
| Noninterest expense to average assets | 3.2184% | 1,025 |
| Loan and lease loss provision to assets | 0.1498% | 2,499 |
| Net operating income to assets | 0.9204% | 2,611 |
| Return on assets (ROA) | 0.9477% | 2,642 |
| Pretax return on assets | 1.0349% | 2,929 |
| Return on Equity (ROE) | 9.3663% | 2,254 |
| Retained earnings to average equity (ytd only) | 3.7777% | 2,930 |
| Net charge-offs to loans | 0.0433% | 2,192 |
| Credit loss provision to net charge-offs | 525.1479% | 1,214 |
| Earnings coverage of net charge-offs (x) | 40.4941% | 1,381 |
| Efficiency ratio | 73.4456% | 1,513 |
| Assets per employee ($millions) | 5.2383% | 3,106 |
| Cash dividends to net income (ytd only)* | 59.6669% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 2,498 |
| Loan loss allowance to noncurrent loans | 239.8691% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 2,373 |
| Noncurrent loans to loans | 0.5349% | 2,373 |
| Net loans and leases to total assets | 61.5906% | 2,659 |
| Net loans and leases to deposits | 77.1101% | 2,164 |
| Net loans and leases to core deposits | 84.7722% | 1,967 |
| Total domestic deposits to total assets | 79.8736% | 4,063 |
| Equity capital to assets | 10.0210% | 3,119 |
| Core capital (leverage) ratio | 8.9597% | 3,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,184,892,400 | 759 |
| Average earning assets | $1,082,936,200 | 765 |
| Average equity | $119,887,800 | 821 |
| Average total loans | $781,448,400 | 797 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0074% | 2,953 |
| Cost of funding earning assets | 0.6485% | 2,333 |
| Net interest margin | 3.3590% | 3,024 |
| Noninterest income to average assets | 1.2917% | 652 |
| Noninterest expense to average assets | 3.2284% | 1,025 |
| Loan and lease loss provision to assets | 0.2133% | 1,889 |
| Net operating income to assets | 0.8555% | 2,885 |
| Return on assets (ROA) | 0.8928% | 2,849 |
| Pretax return on assets | 0.9559% | 3,209 |
| Return on Equity (ROE) | 8.8012% | 2,475 |
| Retained earnings to average equity (ytd only) | 3.6425% | 3,231 |
| Net charge-offs to loans | 0.0410% | 2,041 |
| Credit loss provision to net charge-offs | 778.0083% | 999 |
| Earnings coverage of net charge-offs (x) | 41.1867% | 1,337 |
| Efficiency ratio | 73.9310% | 1,411 |
| Assets per employee ($millions) | 5.0066% | 3,245 |
| Cash dividends to net income (ytd only)* | 58.6137% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 2,267 |
| Loan loss allowance to noncurrent loans | 190.0584% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.5001% | 2,206 |
| Noncurrent loans to loans | 0.6710% | 2,107 |
| Net loans and leases to total assets | 65.3053% | 2,605 |
| Net loans and leases to deposits | 83.2688% | 1,987 |
| Net loans and leases to core deposits | 93.8122% | 1,659 |
| Total domestic deposits to total assets | 78.4271% | 4,134 |
| Equity capital to assets | 10.2062% | 3,061 |
| Core capital (leverage) ratio | 8.7465% | 4,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,172,058,000 | 757 |
| Average earning assets | $1,069,781,000 | 755 |
| Average equity | $118,889,250 | 825 |
| Average total loans | $783,986,000 | 793 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1394% | 2,938 |
| Cost of funding earning assets | 0.7129% | 2,317 |
| Net interest margin | 3.4265% | 3,017 |
| Noninterest income to average assets | 1.2391% | 661 |
| Noninterest expense to average assets | 3.2421% | 1,085 |
| Loan and lease loss provision to assets | 0.3652% | 1,150 |
| Net operating income to assets | 0.7250% | 3,299 |
| Return on assets (ROA) | 0.7829% | 3,215 |
| Pretax return on assets | 0.8192% | 3,538 |
| Return on Equity (ROE) | 7.7345% | 2,852 |
| Retained earnings to average equity (ytd only) | 3.4904% | 3,187 |
| Net charge-offs to loans | 0.0502% | 1,767 |
| Credit loss provision to net charge-offs | 1,084.1837% | 749 |
| Earnings coverage of net charge-offs (x) | 33.3724% | 1,360 |
| Efficiency ratio | 74.0869% | 1,457 |
| Assets per employee ($millions) | 5.2701% | 2,868 |
| Cash dividends to net income (ytd only)* | 54.8727% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 2,126 |
| Loan loss allowance to noncurrent loans | 215.4500% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.5388% | 2,202 |
| Noncurrent loans to loans | 0.5919% | 2,384 |
| Net loans and leases to total assets | 64.6637% | 2,799 |
| Net loans and leases to deposits | 84.5756% | 1,932 |
| Net loans and leases to core deposits | 95.8939% | 1,586 |
| Total domestic deposits to total assets | 76.4567% | 4,382 |
| Equity capital to assets | 9.6504% | 3,523 |
| Core capital (leverage) ratio | 8.6015% | 4,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,163,883,667 | 754 |
| Average earning assets | $1,062,125,333 | 753 |
| Average equity | $117,810,333 | 822 |
| Average total loans | $781,473,000 | 784 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3453% | 2,784 |
| Cost of funding earning assets | 0.8043% | 2,369 |
| Net interest margin | 3.5410% | 2,846 |
| Noninterest income to average assets | 1.2260% | 586 |
| Noninterest expense to average assets | 3.3550% | 1,135 |
| Loan and lease loss provision to assets | 0.5783% | 482 |
| Net operating income to assets | 0.5249% | 3,827 |
| Return on assets (ROA) | 0.5662% | 3,760 |
| Pretax return on assets | 0.5587% | 4,008 |
| Return on Equity (ROE) | 5.4532% | 3,488 |
| Retained earnings to average equity (ytd only) | 0.3119% | 3,918 |
| Net charge-offs to loans | 0.0884% | 1,169 |
| Credit loss provision to net charge-offs | 961.5385% | 594 |
| Earnings coverage of net charge-offs (x) | 18.2189% | 1,472 |
| Efficiency ratio | 75.2119% | 1,659 |
| Assets per employee ($millions) | 4.8521% | 2,812 |
| Cash dividends to net income (ytd only)* | 94.2803% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 2,305 |
| Loan loss allowance to noncurrent loans | 210.5308% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 2,208 |
| Noncurrent loans to loans | 0.6013% | 2,490 |
| Net loans and leases to total assets | 67.8281% | 2,569 |
| Net loans and leases to deposits | 89.9435% | 1,517 |
| Net loans and leases to core deposits | 101.5917% | 1,354 |
| Total domestic deposits to total assets | 75.4119% | 4,546 |
| Equity capital to assets | 10.1403% | 3,661 |
| Core capital (leverage) ratio | 9.2688% | 4,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,123,950,000 | 745 |
| Average earning assets | $1,023,540,000 | 745 |
| Average equity | $116,702,000 | 821 |
| Average total loans | $764,887,000 | 776 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5529% | 2,769 |
| Cost of funding earning assets | 0.8488% | 2,436 |
| Net interest margin | 3.7040% | 2,805 |
| Noninterest income to average assets | 1.2301% | 621 |
| Noninterest expense to average assets | 3.2897% | 1,320 |
| Loan and lease loss provision to assets | 0.1150% | 1,837 |
| Net operating income to assets | 1.0867% | 2,497 |
| Return on assets (ROA) | 1.1575% | 2,318 |
| Pretax return on assets | 1.3079% | 2,486 |
| Return on Equity (ROE) | 11.0434% | 1,866 |
| Retained earnings to average equity (ytd only) | 4.4616% | 2,725 |
| Net charge-offs to loans | 0.1284% | 1,483 |
| Credit loss provision to net charge-offs | 136.3141% | 1,885 |
| Earnings coverage of net charge-offs (x) | 15.9258% | 2,203 |
| Efficiency ratio | 70.8035% | 2,048 |
| Assets per employee ($millions) | 4.7539% | 2,887 |
| Cash dividends to net income (ytd only)* | 59.5995% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 2,771 |
| Loan loss allowance to noncurrent loans | 184.7162% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.6074% | 2,072 |
| Noncurrent loans to loans | 0.6136% | 2,352 |
| Net loans and leases to total assets | 66.6265% | 2,882 |
| Net loans and leases to deposits | 86.9445% | 1,977 |
| Net loans and leases to core deposits | 98.1284% | 1,714 |
| Total domestic deposits to total assets | 76.6311% | 4,529 |
| Equity capital to assets | 10.6332% | 3,325 |
| Core capital (leverage) ratio | 9.3069% | 4,271 |
| Tier 1 risk-based capital ratio | 13.5690% | 3,475 |
| Total risk-based capital ratio | 14.6960% | 3,440 |
| Memoranda: | ||
| Average total assets | $1,087,195,000 | 732 |
| Average earning assets | $998,780,000 | 728 |
| Average equity | $113,950,800 | 798 |
| Average total loans | $714,087,800 | 797 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5530% | 2,882 |
| Cost of funding earning assets | 0.8505% | 2,465 |
| Net interest margin | 3.7025% | 2,911 |
| Noninterest income to average assets | 1.1946% | 644 |
| Noninterest expense to average assets | 3.2813% | 1,308 |
| Loan and lease loss provision to assets | 0.1017% | 1,890 |
| Net operating income to assets | 1.0529% | 2,777 |
| Return on assets (ROA) | 1.1271% | 2,555 |
| Pretax return on assets | 1.3057% | 2,646 |
| Return on Equity (ROE) | 10.7933% | 2,100 |
| Retained earnings to average equity (ytd only) | 4.4214% | 3,182 |
| Net charge-offs to loans | 0.1296% | 1,230 |
| Credit loss provision to net charge-offs | 120.2624% | 1,950 |
| Earnings coverage of net charge-offs (x) | 15.6298% | 2,174 |
| Efficiency ratio | 71.0779% | 1,957 |
| Assets per employee ($millions) | 4.6133% | 3,031 |
| Cash dividends to net income (ytd only)* | 59.0357% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 2,930 |
| Loan loss allowance to noncurrent loans | 219.1410% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 2,779 |
| Noncurrent loans to loans | 0.5115% | 2,757 |
| Net loans and leases to total assets | 67.5517% | 2,860 |
| Net loans and leases to deposits | 87.2579% | 2,027 |
| Net loans and leases to core deposits | 105.0027% | 1,258 |
| Total domestic deposits to total assets | 77.4161% | 4,454 |
| Equity capital to assets | 10.8232% | 3,271 |
| Core capital (leverage) ratio | 9.4584% | 4,209 |
| Tier 1 risk-based capital ratio | 13.3080% | 3,684 |
| Total risk-based capital ratio | 14.4033% | 3,672 |
| Memoranda: | ||
| Average total assets | $1,082,078,000 | 736 |
| Average earning assets | $995,942,750 | 731 |
| Average equity | $112,993,500 | 803 |
| Average total loans | $705,995,500 | 804 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 3,013 |
| Cost of funding earning assets | 0.8551% | 2,376 |
| Net interest margin | 3.6466% | 3,112 |
| Noninterest income to average assets | 1.1476% | 646 |
| Noninterest expense to average assets | 3.2829% | 1,313 |
| Loan and lease loss provision to assets | 0.0831% | 2,179 |
| Net operating income to assets | 1.0123% | 2,872 |
| Return on assets (ROA) | 1.0320% | 2,875 |
| Pretax return on assets | 1.1718% | 3,007 |
| Return on Equity (ROE) | 10.0043% | 2,385 |
| Retained earnings to average equity (ytd only) | 3.7382% | 3,388 |
| Net charge-offs to loans | 0.1441% | 1,073 |
| Credit loss provision to net charge-offs | 89.8204% | 2,135 |
| Earnings coverage of net charge-offs (x) | 13.3214% | 2,106 |
| Efficiency ratio | 72.4703% | 1,850 |
| Assets per employee ($millions) | 4.6582% | 2,927 |
| Cash dividends to net income (ytd only)* | 62.6342% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 2,857 |
| Loan loss allowance to noncurrent loans | 346.6094% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 3,424 |
| Noncurrent loans to loans | 0.3280% | 3,356 |
| Net loans and leases to total assets | 64.9844% | 3,242 |
| Net loans and leases to deposits | 83.5413% | 2,541 |
| Net loans and leases to core deposits | 93.8430% | 2,255 |
| Total domestic deposits to total assets | 77.7872% | 4,438 |
| Equity capital to assets | 10.6613% | 3,373 |
| Core capital (leverage) ratio | 9.2486% | 4,411 |
| Tier 1 risk-based capital ratio | 13.6397% | 3,514 |
| Total risk-based capital ratio | 14.7557% | 3,480 |
| Memoranda: | ||
| Average total assets | $1,082,931,000 | 734 |
| Average earning assets | $1,000,160,670 | 723 |
| Average equity | $111,711,670 | 811 |
| Average total loans | $695,494,330 | 820 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 3,040 |
| Cost of funding earning assets | 0.8391% | 2,333 |
| Net interest margin | 3.6138% | 3,206 |
| Noninterest income to average assets | 1.0708% | 696 |
| Noninterest expense to average assets | 3.2859% | 1,318 |
| Loan and lease loss provision to assets | 0.0461% | 2,724 |
| Net operating income to assets | 0.9833% | 2,910 |
| Return on assets (ROA) | 1.0158% | 2,829 |
| Pretax return on assets | 1.1180% | 3,097 |
| Return on Equity (ROE) | 10.0147% | 2,365 |
| Retained earnings to average equity (ytd only) | 4.1943% | 3,240 |
| Net charge-offs to loans | 0.2151% | 652 |
| Credit loss provision to net charge-offs | 33.7838% | 2,069 |
| Earnings coverage of net charge-offs (x) | 8.2649% | 2,090 |
| Efficiency ratio | 74.1954% | 1,737 |
| Assets per employee ($millions) | 4.7158% | 2,897 |
| Cash dividends to net income (ytd only)* | 58.1184% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 2,888 |
| Loan loss allowance to noncurrent loans | 356.1681% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 3,470 |
| Noncurrent loans to loans | 0.3213% | 3,418 |
| Net loans and leases to total assets | 62.7758% | 3,426 |
| Net loans and leases to deposits | 79.9488% | 2,844 |
| Net loans and leases to core deposits | 89.3295% | 2,571 |
| Total domestic deposits to total assets | 78.5200% | 4,429 |
| Equity capital to assets | 10.3319% | 3,493 |
| Core capital (leverage) ratio | 9.2200% | 4,450 |
| Tier 1 risk-based capital ratio | 13.7585% | 3,466 |
| Total risk-based capital ratio | 14.8688% | 3,456 |
| Memoranda: | ||
| Average total assets | $1,084,041,000 | 735 |
| Average earning assets | $1,002,932,000 | 726 |
| Average equity | $109,958,500 | 816 |
| Average total loans | $688,056,500 | 830 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3631% | 2,886 |
| Cost of funding earning assets | 0.6437% | 2,435 |
| Net interest margin | 3.7193% | 2,964 |
| Noninterest income to average assets | 1.2557% | 592 |
| Noninterest expense to average assets | 3.3089% | 1,302 |
| Loan and lease loss provision to assets | 0.0475% | 3,236 |
| Net operating income to assets | 1.1732% | 2,301 |
| Return on assets (ROA) | 1.1712% | 2,298 |
| Pretax return on assets | 1.3432% | 2,350 |
| Return on Equity (ROE) | 11.7931% | 1,785 |
| Retained earnings to average equity (ytd only) | 4.8161% | 2,881 |
| Net charge-offs to loans | 0.0139% | 3,217 |
| Credit loss provision to net charge-offs | 537.6344% | 651 |
| Earnings coverage of net charge-offs (x) | 157.8065% | 547 |
| Efficiency ratio | 70.1092% | 2,161 |
| Assets per employee ($millions) | 4.6701% | 2,926 |
| Cash dividends to net income (ytd only)* | 59.1620% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 2,662 |
| Loan loss allowance to noncurrent loans | 349.8493% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 3,416 |
| Noncurrent loans to loans | 0.3380% | 3,338 |
| Net loans and leases to total assets | 62.6902% | 3,497 |
| Net loans and leases to deposits | 79.2253% | 3,036 |
| Net loans and leases to core deposits | 89.0401% | 2,651 |
| Total domestic deposits to total assets | 79.1291% | 4,289 |
| Equity capital to assets | 9.9546% | 3,724 |
| Core capital (leverage) ratio | 9.1563% | 4,503 |
| Tier 1 risk-based capital ratio | 13.5165% | 3,538 |
| Total risk-based capital ratio | 14.6578% | 3,497 |
| Memoranda: | ||
| Average total assets | $1,053,566,600 | 731 |
| Average earning assets | $976,169,000 | 720 |
| Average equity | $104,629,000 | 818 |
| Average total loans | $669,679,800 | 821 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 2,836 |
| Cost of funding earning assets | 0.5995% | 2,480 |
| Net interest margin | 3.7339% | 2,883 |
| Noninterest income to average assets | 1.2867% | 585 |
| Noninterest expense to average assets | 3.2994% | 1,304 |
| Loan and lease loss provision to assets | 0.0510% | 2,967 |
| Net operating income to assets | 1.2094% | 2,205 |
| Return on assets (ROA) | 1.2052% | 2,222 |
| Pretax return on assets | 1.3893% | 2,269 |
| Return on Equity (ROE) | 12.1435% | 1,741 |
| Retained earnings to average equity (ytd only) | 5.2087% | 3,112 |
| Net charge-offs to loans | -0.0158% | 4,545 |
| Credit loss provision to net charge-offs | -506.3291% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2680% | 2,311 |
| Assets per employee ($millions) | 4.6457% | 2,923 |
| Cash dividends to net income (ytd only)* | 57.1066% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 2,686 |
| Loan loss allowance to noncurrent loans | 489.2005% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 3,675 |
| Noncurrent loans to loans | 0.2431% | 3,825 |
| Net loans and leases to total assets | 64.8845% | 3,318 |
| Net loans and leases to deposits | 82.4247% | 2,773 |
| Net loans and leases to core deposits | 94.1921% | 2,273 |
| Total domestic deposits to total assets | 78.7197% | 4,375 |
| Equity capital to assets | 9.8508% | 3,781 |
| Core capital (leverage) ratio | 9.2700% | 4,435 |
| Tier 1 risk-based capital ratio | 13.3720% | 3,696 |
| Total risk-based capital ratio | 14.5241% | 3,659 |
| Memoranda: | ||
| Average total assets | $1,046,094,750 | 732 |
| Average earning assets | $968,750,750 | 728 |
| Average equity | $103,822,750 | 822 |
| Average total loans | $665,263,000 | 828 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2833% | 2,823 |
| Cost of funding earning assets | 0.5554% | 2,565 |
| Net interest margin | 3.7279% | 2,833 |
| Noninterest income to average assets | 1.2607% | 607 |
| Noninterest expense to average assets | 3.3005% | 1,321 |
| Loan and lease loss provision to assets | 0.0479% | 2,952 |
| Net operating income to assets | 1.1921% | 2,234 |
| Return on assets (ROA) | 1.1841% | 2,264 |
| Pretax return on assets | 1.3608% | 2,293 |
| Return on Equity (ROE) | 11.9013% | 1,759 |
| Retained earnings to average equity (ytd only) | 5.1676% | 2,991 |
| Net charge-offs to loans | -0.0651% | 5,010 |
| Credit loss provision to net charge-offs | -116.8224% | 4,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6621% | 2,372 |
| Assets per employee ($millions) | 4.4648% | 3,178 |
| Cash dividends to net income (ytd only)* | 56.5794% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 2,602 |
| Loan loss allowance to noncurrent loans | 416.0651% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 3,473 |
| Noncurrent loans to loans | 0.2932% | 3,649 |
| Net loans and leases to total assets | 63.4212% | 3,462 |
| Net loans and leases to deposits | 82.0699% | 2,761 |
| Net loans and leases to core deposits | 88.1182% | 2,708 |
| Total domestic deposits to total assets | 77.2771% | 4,695 |
| Equity capital to assets | 9.9098% | 3,714 |
| Core capital (leverage) ratio | 9.1339% | 4,535 |
| Tier 1 risk-based capital ratio | 13.5726% | 3,580 |
| Total risk-based capital ratio | 14.7577% | 3,523 |
| Memoranda: | ||
| Average total assets | $1,044,818,330 | 734 |
| Average earning assets | $969,073,000 | 727 |
| Average equity | $103,955,000 | 820 |
| Average total loans | $657,205,000 | 839 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2039% | 2,869 |
| Cost of funding earning assets | 0.5372% | 2,497 |
| Net interest margin | 3.6667% | 2,930 |
| Noninterest income to average assets | 1.2055% | 635 |
| Noninterest expense to average assets | 3.2659% | 1,415 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1788% | 2,102 |
| Return on assets (ROA) | 1.1642% | 2,175 |
| Pretax return on assets | 1.3330% | 2,237 |
| Return on Equity (ROE) | 11.6776% | 1,698 |
| Retained earnings to average equity (ytd only) | 5.5335% | 2,936 |
| Net charge-offs to loans | -0.1138% | 5,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4570% | 2,420 |
| Assets per employee ($millions) | 4.4775% | 3,194 |
| Cash dividends to net income (ytd only)* | 52.6143% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 2,723 |
| Loan loss allowance to noncurrent loans | 727.2309% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 3,537 |
| Noncurrent loans to loans | 0.1670% | 4,226 |
| Net loans and leases to total assets | 61.9149% | 3,563 |
| Net loans and leases to deposits | 78.3450% | 2,981 |
| Net loans and leases to core deposits | 85.7427% | 2,824 |
| Total domestic deposits to total assets | 79.0285% | 4,572 |
| Equity capital to assets | 9.9357% | 3,658 |
| Core capital (leverage) ratio | 9.0126% | 4,667 |
| Tier 1 risk-based capital ratio | 13.6366% | 3,579 |
| Total risk-based capital ratio | 14.8034% | 3,536 |
| Memoranda: | ||
| Average total assets | $1,044,848,000 | 737 |
| Average earning assets | $971,768,500 | 732 |
| Average equity | $104,165,500 | 822 |
| Average total loans | $650,416,000 | 849 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0042% | 3,393 |
| Cost of funding earning assets | 0.4680% | 2,617 |
| Net interest margin | 3.5362% | 3,396 |
| Noninterest income to average assets | 1.3452% | 579 |
| Noninterest expense to average assets | 3.2735% | 1,427 |
| Loan and lease loss provision to assets | 0.0485% | 3,254 |
| Net operating income to assets | 1.0044% | 2,221 |
| Return on assets (ROA) | 1.0082% | 2,241 |
| Pretax return on assets | 1.3400% | 2,214 |
| Return on Equity (ROE) | 9.9805% | 1,895 |
| Retained earnings to average equity (ytd only) | 3.9271% | 2,846 |
| Net charge-offs to loans | 0.0491% | 2,805 |
| Credit loss provision to net charge-offs | 155.7632% | 1,718 |
| Earnings coverage of net charge-offs (x) | 44.4019% | 1,183 |
| Efficiency ratio | 69.9591% | 2,558 |
| Assets per employee ($millions) | 4.5104% | 3,163 |
| Cash dividends to net income (ytd only)* | 60.6527% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 2,849 |
| Loan loss allowance to noncurrent loans | 542.1348% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 3,406 |
| Noncurrent loans to loans | 0.2192% | 4,030 |
| Net loans and leases to total assets | 61.0941% | 3,722 |
| Net loans and leases to deposits | 78.4066% | 3,074 |
| Net loans and leases to core deposits | 87.1711% | 2,803 |
| Total domestic deposits to total assets | 77.9195% | 4,729 |
| Equity capital to assets | 10.0028% | 3,703 |
| Core capital (leverage) ratio | 9.0211% | 4,625 |
| Tier 1 risk-based capital ratio | 13.4436% | 3,659 |
| Total risk-based capital ratio | 14.5874% | 3,631 |
| Memoranda: | ||
| Average total assets | $1,030,236,600 | 718 |
| Average earning assets | $964,843,600 | 702 |
| Average equity | $104,073,000 | 789 |
| Average total loans | $653,629,200 | 801 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9802% | 3,418 |
| Cost of funding earning assets | 0.4634% | 2,583 |
| Net interest margin | 3.5168% | 3,442 |
| Noninterest income to average assets | 1.4006% | 540 |
| Noninterest expense to average assets | 3.3194% | 1,302 |
| Loan and lease loss provision to assets | 0.0845% | 2,399 |
| Net operating income to assets | 1.0175% | 2,484 |
| Return on assets (ROA) | 1.0281% | 2,469 |
| Pretax return on assets | 1.3039% | 2,472 |
| Return on Equity (ROE) | 10.1515% | 2,056 |
| Retained earnings to average equity (ytd only) | 4.1151% | 3,464 |
| Net charge-offs to loans | 0.0888% | 1,912 |
| Credit loss provision to net charge-offs | 149.0826% | 1,701 |
| Earnings coverage of net charge-offs (x) | 24.2477% | 1,780 |
| Efficiency ratio | 70.3646% | 2,479 |
| Assets per employee ($millions) | 4.2733% | 3,520 |
| Cash dividends to net income (ytd only)* | 59.4636% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1926% | 2,969 |
| Loan loss allowance to noncurrent loans | 502.2668% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 3,354 |
| Noncurrent loans to loans | 0.2374% | 4,104 |
| Net loans and leases to total assets | 63.7104% | 3,447 |
| Net loans and leases to deposits | 85.4600% | 2,368 |
| Net loans and leases to core deposits | 94.5509% | 2,219 |
| Total domestic deposits to total assets | 74.5500% | 5,177 |
| Equity capital to assets | 10.5000% | 3,378 |
| Core capital (leverage) ratio | 8.9761% | 4,766 |
| Tier 1 risk-based capital ratio | 12.8662% | 4,104 |
| Total risk-based capital ratio | 13.9769% | 4,082 |
| Memoranda: | ||
| Average total assets | $1,025,067,250 | 725 |
| Average earning assets | $960,092,500 | 710 |
| Average equity | $103,811,000 | 789 |
| Average total loans | $654,585,250 | 798 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9191% | 3,492 |
| Cost of funding earning assets | 0.4478% | 2,622 |
| Net interest margin | 3.4714% | 3,502 |
| Noninterest income to average assets | 1.4788% | 494 |
| Noninterest expense to average assets | 3.3026% | 1,368 |
| Loan and lease loss provision to assets | 0.1067% | 1,902 |
| Net operating income to assets | 1.0423% | 2,240 |
| Return on assets (ROA) | 1.0489% | 2,254 |
| Pretax return on assets | 1.3350% | 2,253 |
| Return on Equity (ROE) | 10.4833% | 1,837 |
| Retained earnings to average equity (ytd only) | 4.2767% | 3,164 |
| Net charge-offs to loans | 0.0405% | 2,389 |
| Credit loss provision to net charge-offs | 413.5338% | 768 |
| Earnings coverage of net charge-offs (x) | 55.5338% | 998 |
| Efficiency ratio | 69.3821% | 2,791 |
| Assets per employee ($millions) | 4.1911% | 3,642 |
| Cash dividends to net income (ytd only)* | 59.2044% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 2,901 |
| Loan loss allowance to noncurrent loans | 279.3261% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.5529% | 2,918 |
| Noncurrent loans to loans | 0.4366% | 3,450 |
| Net loans and leases to total assets | 63.2945% | 3,484 |
| Net loans and leases to deposits | 81.9844% | 2,705 |
| Net loans and leases to core deposits | 90.6189% | 2,468 |
| Total domestic deposits to total assets | 77.2032% | 4,929 |
| Equity capital to assets | 10.3297% | 3,537 |
| Core capital (leverage) ratio | 8.7986% | 4,951 |
| Tier 1 risk-based capital ratio | 13.2167% | 3,862 |
| Total risk-based capital ratio | 14.4010% | 3,817 |
| Memoranda: | ||
| Average total assets | $1,030,586,330 | 727 |
| Average earning assets | $966,999,670 | 709 |
| Average equity | $103,116,670 | 797 |
| Average total loans | $656,020,000 | 802 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8505% | 3,580 |
| Cost of funding earning assets | 0.4388% | 2,627 |
| Net interest margin | 3.4117% | 3,616 |
| Noninterest income to average assets | 1.7128% | 391 |
| Noninterest expense to average assets | 3.2416% | 1,498 |
| Loan and lease loss provision to assets | 0.1350% | 1,421 |
| Net operating income to assets | 1.1873% | 1,535 |
| Return on assets (ROA) | 1.1873% | 1,577 |
| Pretax return on assets | 1.5399% | 1,413 |
| Return on Equity (ROE) | 12.0579% | 1,217 |
| Retained earnings to average equity (ytd only) | 7.3554% | 1,713 |
| Net charge-offs to loans | 0.0091% | 2,655 |
| Credit loss provision to net charge-offs | 2,333.3333% | 147 |
| Earnings coverage of net charge-offs (x) | 289.4000% | 206 |
| Efficiency ratio | 65.5941% | 3,560 |
| Assets per employee ($millions) | 4.3103% | 3,487 |
| Cash dividends to net income (ytd only)* | 38.9990% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 3,162 |
| Loan loss allowance to noncurrent loans | 184.0617% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 3,072 |
| Noncurrent loans to loans | 0.6496% | 2,878 |
| Net loans and leases to total assets | 62.1422% | 3,516 |
| Net loans and leases to deposits | 78.8139% | 2,891 |
| Net loans and leases to core deposits | 88.4438% | 2,504 |
| Total domestic deposits to total assets | 78.8468% | 4,853 |
| Equity capital to assets | 9.8720% | 3,907 |
| Core capital (leverage) ratio | 8.6691% | 5,080 |
| Tier 1 risk-based capital ratio | 13.0442% | 4,049 |
| Total risk-based capital ratio | 14.2062% | 4,001 |
| Memoranda: | ||
| Average total assets | $1,036,660,000 | 725 |
| Average earning assets | $973,477,500 | 705 |
| Average equity | $102,074,000 | 802 |
| Average total loans | $657,743,000 | 799 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9382% | 3,423 |
| Cost of funding earning assets | 0.4251% | 2,760 |
| Net interest margin | 3.5132% | 3,379 |
| Noninterest income to average assets | 1.1968% | 794 |
| Noninterest expense to average assets | 3.4746% | 1,213 |
| Loan and lease loss provision to assets | 0.1158% | 2,137 |
| Net operating income to assets | 0.7894% | 3,351 |
| Return on assets (ROA) | 0.8151% | 3,342 |
| Pretax return on assets | 0.9159% | 3,790 |
| Return on Equity (ROE) | 7.9264% | 2,981 |
| Retained earnings to average equity (ytd only) | 3.0318% | 3,740 |
| Net charge-offs to loans | 0.0201% | 3,652 |
| Credit loss provision to net charge-offs | 884.6154% | 426 |
| Earnings coverage of net charge-offs (x) | 76.6308% | 733 |
| Efficiency ratio | 77.0498% | 1,833 |
| Assets per employee ($millions) | 4.2569% | 3,516 |
| Cash dividends to net income (ytd only)* | 61.7513% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1483% | 3,441 |
| Loan loss allowance to noncurrent loans | 137.2838% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.7132% | 2,586 |
| Noncurrent loans to loans | 0.8364% | 2,432 |
| Net loans and leases to total assets | 63.2789% | 3,440 |
| Net loans and leases to deposits | 80.7119% | 2,812 |
| Net loans and leases to core deposits | 89.8140% | 2,521 |
| Total domestic deposits to total assets | 78.4010% | 4,914 |
| Equity capital to assets | 9.8203% | 3,916 |
| Core capital (leverage) ratio | 8.8220% | 4,943 |
| Tier 1 risk-based capital ratio | 12.9031% | 4,130 |
| Total risk-based capital ratio | 14.0276% | 4,104 |
| Memoranda: | ||
| Average total assets | $993,409,000 | 730 |
| Average earning assets | $927,653,000 | 714 |
| Average equity | $102,152,200 | 776 |
| Average total loans | $647,304,600 | 771 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9717% | 3,320 |
| Cost of funding earning assets | 0.4287% | 2,749 |
| Net interest margin | 3.5429% | 3,301 |
| Noninterest income to average assets | 1.2184% | 778 |
| Noninterest expense to average assets | 3.5396% | 1,078 |
| Loan and lease loss provision to assets | 0.1049% | 2,176 |
| Net operating income to assets | 0.7775% | 3,469 |
| Return on assets (ROA) | 0.8157% | 3,432 |
| Pretax return on assets | 0.9215% | 3,904 |
| Return on Equity (ROE) | 7.8409% | 3,089 |
| Retained earnings to average equity (ytd only) | 3.1582% | 4,023 |
| Net charge-offs to loans | -0.0225% | 5,049 |
| Credit loss provision to net charge-offs | -711.0092% | 5,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6545% | 1,738 |
| Assets per employee ($millions) | 4.0026% | 3,957 |
| Cash dividends to net income (ytd only)* | 59.7213% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 3,749 |
| Loan loss allowance to noncurrent loans | 125.5298% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.7826% | 2,598 |
| Noncurrent loans to loans | 0.8899% | 2,477 |
| Net loans and leases to total assets | 66.2988% | 3,075 |
| Net loans and leases to deposits | 89.1082% | 1,873 |
| Net loans and leases to core deposits | 98.8908% | 1,736 |
| Total domestic deposits to total assets | 74.4025% | 5,394 |
| Equity capital to assets | 10.5802% | 3,476 |
| Core capital (leverage) ratio | 8.8962% | 4,947 |
| Tier 1 risk-based capital ratio | 12.7903% | 4,282 |
| Total risk-based capital ratio | 13.8948% | 4,286 |
| Memoranda: | ||
| Average total assets | $985,281,750 | 738 |
| Average earning assets | $919,023,750 | 722 |
| Average equity | $102,503,250 | 777 |
| Average total loans | $644,948,000 | 772 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9588% | 3,391 |
| Cost of funding earning assets | 0.4230% | 2,806 |
| Net interest margin | 3.5358% | 3,349 |
| Noninterest income to average assets | 1.1699% | 820 |
| Noninterest expense to average assets | 3.4921% | 1,175 |
| Loan and lease loss provision to assets | 0.1219% | 1,878 |
| Net operating income to assets | 0.7222% | 3,690 |
| Return on assets (ROA) | 0.7700% | 3,594 |
| Pretax return on assets | 0.9110% | 3,914 |
| Return on Equity (ROE) | 7.4437% | 3,294 |
| Retained earnings to average equity (ytd only) | 3.1217% | 3,918 |
| Net charge-offs to loans | -0.0432% | 5,308 |
| Credit loss provision to net charge-offs | -434.7826% | 4,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4352% | 1,866 |
| Assets per employee ($millions) | 4.0310% | 3,845 |
| Cash dividends to net income (ytd only)* | 58.0628% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 3,899 |
| Loan loss allowance to noncurrent loans | 116.2929% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.8755% | 2,406 |
| Noncurrent loans to loans | 0.9533% | 2,377 |
| Net loans and leases to total assets | 65.2967% | 3,182 |
| Net loans and leases to deposits | 86.0579% | 2,252 |
| Net loans and leases to core deposits | 95.1957% | 2,051 |
| Total domestic deposits to total assets | 75.8753% | 5,304 |
| Equity capital to assets | 10.5406% | 3,587 |
| Core capital (leverage) ratio | 8.7334% | 5,133 |
| Tier 1 risk-based capital ratio | 12.7798% | 4,325 |
| Total risk-based capital ratio | 13.8733% | 4,336 |
| Memoranda: | ||
| Average total assets | $984,158,330 | 738 |
| Average earning assets | $918,200,330 | 719 |
| Average equity | $101,804,000 | 779 |
| Average total loans | $638,974,330 | 778 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9785% | 3,296 |
| Cost of funding earning assets | 0.4227% | 2,836 |
| Net interest margin | 3.5558% | 3,252 |
| Noninterest income to average assets | 1.0918% | 908 |
| Noninterest expense to average assets | 3.4879% | 1,203 |
| Loan and lease loss provision to assets | 0.1530% | 1,381 |
| Net operating income to assets | 0.6640% | 3,908 |
| Return on assets (ROA) | 0.7087% | 3,787 |
| Pretax return on assets | 0.8180% | 4,142 |
| Return on Equity (ROE) | 6.9173% | 3,496 |
| Retained earnings to average equity (ytd only) | 3.3332% | 3,828 |
| Net charge-offs to loans | -0.1591% | 5,788 |
| Credit loss provision to net charge-offs | -149.4024% | 4,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4041% | 1,837 |
| Assets per employee ($millions) | 4.0027% | 3,932 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 3,938 |
| Loan loss allowance to noncurrent loans | 110.8922% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.8929% | 2,454 |
| Noncurrent loans to loans | 1.0111% | 2,358 |
| Net loans and leases to total assets | 63.7488% | 3,274 |
| Net loans and leases to deposits | 82.1727% | 2,524 |
| Net loans and leases to core deposits | 91.4591% | 2,235 |
| Total domestic deposits to total assets | 77.5791% | 5,206 |
| Equity capital to assets | 10.3244% | 3,719 |
| Core capital (leverage) ratio | 8.7523% | 5,124 |
| Tier 1 risk-based capital ratio | 12.6364% | 4,498 |
| Total risk-based capital ratio | 13.7113% | 4,516 |
| Memoranda: | ||
| Average total assets | $980,421,500 | 738 |
| Average earning assets | $914,224,500 | 725 |
| Average equity | $100,444,000 | 792 |
| Average total loans | $631,080,500 | 783 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0111% | 3,276 |
| Cost of funding earning assets | 0.4478% | 2,646 |
| Net interest margin | 3.5634% | 3,269 |
| Noninterest income to average assets | 1.2797% | 731 |
| Noninterest expense to average assets | 3.6140% | 1,106 |
| Loan and lease loss provision to assets | 0.1624% | 1,415 |
| Net operating income to assets | 0.7204% | 3,709 |
| Return on assets (ROA) | 0.7619% | 3,603 |
| Pretax return on assets | 0.8510% | 4,019 |
| Return on Equity (ROE) | 7.6276% | 3,179 |
| Retained earnings to average equity (ytd only) | 2.9171% | 3,980 |
| Net charge-offs to loans | 0.1642% | 1,727 |
| Credit loss provision to net charge-offs | 154.0914% | 1,733 |
| Earnings coverage of net charge-offs (x) | 9.1753% | 2,853 |
| Efficiency ratio | 78.3875% | 1,905 |
| Assets per employee ($millions) | 3.9970% | 3,941 |
| Cash dividends to net income (ytd only)* | 61.7556% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 4,355 |
| Loan loss allowance to noncurrent loans | 88.7090% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 0.9985% | 2,199 |
| Noncurrent loans to loans | 1.1766% | 2,007 |
| Net loans and leases to total assets | 63.6503% | 3,329 |
| Net loans and leases to deposits | 81.3958% | 2,662 |
| Net loans and leases to core deposits | 89.0088% | 2,501 |
| Total domestic deposits to total assets | 78.1985% | 5,124 |
| Equity capital to assets | 10.0824% | 3,875 |
| Core capital (leverage) ratio | 8.8313% | 5,075 |
| Tier 1 risk-based capital ratio | 12.7042% | 4,503 |
| Total risk-based capital ratio | 13.7005% | 4,555 |
| Memoranda: | ||
| Average total assets | $892,602,200 | 775 |
| Average earning assets | $827,022,600 | 754 |
| Average equity | $89,163,400 | 854 |
| Average total loans | $573,047,400 | 818 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9995% | 3,350 |
| Cost of funding earning assets | 0.4558% | 2,632 |
| Net interest margin | 3.5437% | 3,369 |
| Noninterest income to average assets | 1.3404% | 678 |
| Noninterest expense to average assets | 3.6225% | 1,077 |
| Loan and lease loss provision to assets | 0.1566% | 1,385 |
| Net operating income to assets | 0.7388% | 3,731 |
| Return on assets (ROA) | 0.7939% | 3,546 |
| Pretax return on assets | 0.8992% | 3,986 |
| Return on Equity (ROE) | 7.9686% | 3,087 |
| Retained earnings to average equity (ytd only) | 3.3696% | 4,073 |
| Net charge-offs to loans | 0.2130% | 1,222 |
| Credit loss provision to net charge-offs | 114.5251% | 2,062 |
| Earnings coverage of net charge-offs (x) | 7.2648% | 2,937 |
| Efficiency ratio | 78.0734% | 1,932 |
| Assets per employee ($millions) | 3.8473% | 4,182 |
| Cash dividends to net income (ytd only)* | 57.7145% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 4,746 |
| Loan loss allowance to noncurrent loans | 250.7962% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.6265% | 3,390 |
| Noncurrent loans to loans | 0.3988% | 4,185 |
| Net loans and leases to total assets | 65.2897% | 3,114 |
| Net loans and leases to deposits | 85.4346% | 2,215 |
| Net loans and leases to core deposits | 93.5259% | 2,125 |
| Total domestic deposits to total assets | 76.4206% | 5,426 |
| Equity capital to assets | 10.5809% | 3,508 |
| Core capital (leverage) ratio | 9.2225% | 4,702 |
| Tier 1 risk-based capital ratio | 12.7160% | 4,605 |
| Total risk-based capital ratio | 13.6633% | 4,728 |
| Memoranda: | ||
| Average total assets | $872,932,500 | 794 |
| Average earning assets | $806,783,500 | 779 |
| Average equity | $86,972,250 | 883 |
| Average total loans | $560,123,250 | 841 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9451% | 3,513 |
| Cost of funding earning assets | 0.4626% | 2,581 |
| Net interest margin | 3.4824% | 3,569 |
| Noninterest income to average assets | 1.1446% | 916 |
| Noninterest expense to average assets | 3.4004% | 1,473 |
| Loan and lease loss provision to assets | 0.1523% | 1,398 |
| Net operating income to assets | 0.7228% | 3,775 |
| Return on assets (ROA) | 0.7751% | 3,621 |
| Pretax return on assets | 0.8695% | 4,072 |
| Return on Equity (ROE) | 7.9591% | 3,081 |
| Retained earnings to average equity (ytd only) | 3.6283% | 3,718 |
| Net charge-offs to loans | 0.2627% | 993 |
| Credit loss provision to net charge-offs | 91.2921% | 2,183 |
| Earnings coverage of net charge-offs (x) | 5.7725% | 2,889 |
| Efficiency ratio | 77.6018% | 2,124 |
| Assets per employee ($millions) | 3.7340% | 4,357 |
| Cash dividends to net income (ytd only)* | 54.4135% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 4,403 |
| Loan loss allowance to noncurrent loans | 364.1371% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 3,574 |
| Noncurrent loans to loans | 0.2983% | 4,621 |
| Net loans and leases to total assets | 63.6470% | 3,317 |
| Net loans and leases to deposits | 83.8904% | 2,324 |
| Net loans and leases to core deposits | 92.1044% | 2,148 |
| Total domestic deposits to total assets | 75.8692% | 5,611 |
| Equity capital to assets | 9.7320% | 4,367 |
| Core capital (leverage) ratio | 8.3206% | 5,700 |
| Tier 1 risk-based capital ratio | 11.6172% | 5,395 |
| Total risk-based capital ratio | 12.6169% | 5,467 |
| Memoranda: | ||
| Average total assets | $853,558,670 | 816 |
| Average earning assets | $788,937,670 | 803 |
| Average equity | $83,125,000 | 922 |
| Average total loans | $542,156,330 | 867 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9150% | 3,540 |
| Cost of funding earning assets | 0.4614% | 2,663 |
| Net interest margin | 3.4535% | 3,615 |
| Noninterest income to average assets | 1.0540% | 1,014 |
| Noninterest expense to average assets | 3.4535% | 1,402 |
| Loan and lease loss provision to assets | 0.1404% | 1,460 |
| Net operating income to assets | 0.6282% | 4,154 |
| Return on assets (ROA) | 0.6318% | 4,255 |
| Pretax return on assets | 0.6548% | 4,741 |
| Return on Equity (ROE) | 6.4856% | 3,773 |
| Retained earnings to average equity (ytd only) | 2.6423% | 4,364 |
| Net charge-offs to loans | 0.2907% | 823 |
| Credit loss provision to net charge-offs | 76.5306% | 1,863 |
| Earnings coverage of net charge-offs (x) | 4.3138% | 2,512 |
| Efficiency ratio | 81.0143% | 1,758 |
| Assets per employee ($millions) | 3.7338% | 4,454 |
| Cash dividends to net income (ytd only)* | 59.2593% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 4,536 |
| Loan loss allowance to noncurrent loans | 238.1335% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.7842% | 3,150 |
| Noncurrent loans to loans | 0.4607% | 4,200 |
| Net loans and leases to total assets | 62.4143% | 3,300 |
| Net loans and leases to deposits | 80.5475% | 2,497 |
| Net loans and leases to core deposits | 88.4836% | 2,277 |
| Total domestic deposits to total assets | 77.4876% | 5,534 |
| Equity capital to assets | 9.8266% | 4,355 |
| Core capital (leverage) ratio | 8.1775% | 5,826 |
| Tier 1 risk-based capital ratio | 11.4817% | 5,564 |
| Total risk-based capital ratio | 12.4795% | 5,610 |
| Memoranda: | ||
| Average total assets | $854,666,500 | 819 |
| Average earning assets | $789,688,500 | 808 |
| Average equity | $83,261,000 | 921 |
| Average total loans | $539,332,500 | 870 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0611% | 3,477 |
| Cost of funding earning assets | 0.4817% | 2,862 |
| Net interest margin | 3.5794% | 3,475 |
| Noninterest income to average assets | 1.1961% | 843 |
| Noninterest expense to average assets | 3.4605% | 1,576 |
| Loan and lease loss provision to assets | 0.1192% | 2,189 |
| Net operating income to assets | 0.7824% | 3,460 |
| Return on assets (ROA) | 0.8866% | 3,023 |
| Pretax return on assets | 1.0254% | 3,402 |
| Return on Equity (ROE) | 8.9379% | 2,623 |
| Retained earnings to average equity (ytd only) | 3.7517% | 3,545 |
| Net charge-offs to loans | 0.0761% | 3,401 |
| Credit loss provision to net charge-offs | 250.6596% | 1,015 |
| Earnings coverage of net charge-offs (x) | 21.5198% | 1,675 |
| Efficiency ratio | 76.7840% | 2,396 |
| Assets per employee ($millions) | 3.9735% | 4,016 |
| Cash dividends to net income (ytd only)* | 58.0243% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 4,468 |
| Loan loss allowance to noncurrent loans | 91.0771% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.3116% | 2,145 |
| Noncurrent loans to loans | 1.2245% | 2,401 |
| Net loans and leases to total assets | 62.3985% | 3,451 |
| Net loans and leases to deposits | 81.2056% | 2,576 |
| Net loans and leases to core deposits | 88.7270% | 2,413 |
| Total domestic deposits to total assets | 76.8402% | 5,623 |
| Equity capital to assets | 9.6572% | 4,525 |
| Core capital (leverage) ratio | 8.4428% | 5,619 |
| Tier 1 risk-based capital ratio | 11.6100% | 5,599 |
| Total risk-based capital ratio | 12.6440% | 5,644 |
| Memoranda: | ||
| Average total assets | $796,937,200 | 847 |
| Average earning assets | $732,019,800 | 840 |
| Average equity | $79,056,600 | 926 |
| Average total loans | $498,099,400 | 899 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1177% | 3,306 |
| Cost of funding earning assets | 0.4889% | 2,875 |
| Net interest margin | 3.6289% | 3,316 |
| Noninterest income to average assets | 1.2301% | 804 |
| Noninterest expense to average assets | 3.4682% | 1,535 |
| Loan and lease loss provision to assets | 0.0852% | 2,653 |
| Net operating income to assets | 0.8741% | 3,052 |
| Return on assets (ROA) | 0.9503% | 2,768 |
| Pretax return on assets | 1.0929% | 3,215 |
| Return on Equity (ROE) | 9.5110% | 2,442 |
| Retained earnings to average equity (ytd only) | 4.0547% | 3,764 |
| Net charge-offs to loans | 0.0642% | 3,287 |
| Credit loss provision to net charge-offs | 212.7660% | 1,208 |
| Earnings coverage of net charge-offs (x) | 27.2379% | 1,458 |
| Efficiency ratio | 75.6746% | 2,541 |
| Assets per employee ($millions) | 3.6869% | 4,511 |
| Cash dividends to net income (ytd only)* | 57.3682% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 4,683 |
| Loan loss allowance to noncurrent loans | 136.9988% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.9478% | 3,072 |
| Noncurrent loans to loans | 0.8139% | 3,545 |
| Net loans and leases to total assets | 63.8391% | 3,199 |
| Net loans and leases to deposits | 85.8036% | 1,928 |
| Net loans and leases to core deposits | 92.8596% | 1,968 |
| Total domestic deposits to total assets | 74.4015% | 5,980 |
| Equity capital to assets | 10.2245% | 3,897 |
| Core capital (leverage) ratio | 8.7414% | 5,394 |
| Tier 1 risk-based capital ratio | 12.4243% | 5,210 |
| Total risk-based capital ratio | 13.4849% | 5,260 |
| Memoranda: | ||
| Average total assets | $782,597,000 | 865 |
| Average earning assets | $717,856,250 | 859 |
| Average equity | $78,195,500 | 937 |
| Average total loans | $487,854,000 | 921 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1110% | 3,297 |
| Cost of funding earning assets | 0.4884% | 2,940 |
| Net interest margin | 3.6226% | 3,268 |
| Noninterest income to average assets | 1.1937% | 823 |
| Noninterest expense to average assets | 3.3874% | 1,705 |
| Loan and lease loss provision to assets | 0.0513% | 3,277 |
| Net operating income to assets | 0.8997% | 2,808 |
| Return on assets (ROA) | 0.9930% | 2,426 |
| Pretax return on assets | 1.1881% | 2,714 |
| Return on Equity (ROE) | 10.0175% | 2,146 |
| Retained earnings to average equity (ytd only) | 4.8392% | 3,065 |
| Net charge-offs to loans | 0.0113% | 4,030 |
| Credit loss provision to net charge-offs | 740.7407% | 436 |
| Earnings coverage of net charge-offs (x) | 162.8148% | 382 |
| Efficiency ratio | 74.5766% | 2,877 |
| Assets per employee ($millions) | 3.5844% | 4,694 |
| Cash dividends to net income (ytd only)* | 51.6929% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 4,765 |
| Loan loss allowance to noncurrent loans | 133.5395% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.8293% | 3,484 |
| Noncurrent loans to loans | 0.8465% | 3,590 |
| Net loans and leases to total assets | 62.5503% | 3,314 |
| Net loans and leases to deposits | 81.9892% | 2,252 |
| Net loans and leases to core deposits | 88.9067% | 2,220 |
| Total domestic deposits to total assets | 76.2910% | 5,882 |
| Equity capital to assets | 10.2435% | 3,767 |
| Core capital (leverage) ratio | 8.6787% | 5,435 |
| Tier 1 risk-based capital ratio | 12.7198% | 5,077 |
| Total risk-based capital ratio | 13.7975% | 5,125 |
| Memoranda: | ||
| Average total assets | $779,235,000 | 868 |
| Average earning assets | $714,573,330 | 859 |
| Average equity | $77,244,670 | 942 |
| Average total loans | $479,889,330 | 930 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0987% | 3,291 |
| Cost of funding earning assets | 0.4931% | 2,980 |
| Net interest margin | 3.6057% | 3,225 |
| Noninterest income to average assets | 1.1155% | 896 |
| Noninterest expense to average assets | 3.3521% | 1,816 |
| Loan and lease loss provision to assets | 0.0515% | 3,068 |
| Net operating income to assets | 0.8605% | 2,850 |
| Return on assets (ROA) | 0.9429% | 2,510 |
| Pretax return on assets | 1.1093% | 2,862 |
| Return on Equity (ROE) | 9.6747% | 2,168 |
| Retained earnings to average equity (ytd only) | 5.4453% | 2,819 |
| Net charge-offs to loans | -0.0636% | 5,922 |
| Credit loss provision to net charge-offs | -133.3333% | 4,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4754% | 2,875 |
| Assets per employee ($millions) | 3.7800% | 4,365 |
| Cash dividends to net income (ytd only)* | 43.7158% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 4,710 |
| Loan loss allowance to noncurrent loans | 119.8208% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 1.0151% | 3,227 |
| Noncurrent loans to loans | 0.9885% | 3,444 |
| Net loans and leases to total assets | 59.8805% | 3,580 |
| Net loans and leases to deposits | 74.4712% | 3,012 |
| Net loans and leases to core deposits | 80.7193% | 2,886 |
| Total domestic deposits to total assets | 80.4076% | 5,402 |
| Equity capital to assets | 9.9450% | 3,908 |
| Core capital (leverage) ratio | 8.5653% | 5,565 |
| Tier 1 risk-based capital ratio | 12.7785% | 5,139 |
| Total risk-based capital ratio | 13.8751% | 5,174 |
| Memoranda: | ||
| Average total assets | $776,356,500 | 874 |
| Average earning assets | $710,660,500 | 870 |
| Average equity | $75,661,500 | 971 |
| Average total loans | $471,519,500 | 943 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 3,113 |
| Cost of funding earning assets | 0.4866% | 3,749 |
| Net interest margin | 3.7728% | 2,752 |
| Noninterest income to average assets | 1.3069% | 811 |
| Noninterest expense to average assets | 3.7637% | 1,196 |
| Loan and lease loss provision to assets | 0.1447% | 2,495 |
| Net operating income to assets | 0.7206% | 3,699 |
| Return on assets (ROA) | 0.8352% | 3,189 |
| Pretax return on assets | 0.9704% | 3,473 |
| Return on Equity (ROE) | 7.8553% | 3,111 |
| Retained earnings to average equity (ytd only) | 2.9295% | 4,162 |
| Net charge-offs to loans | 0.3696% | 1,831 |
| Credit loss provision to net charge-offs | 63.4058% | 3,466 |
| Earnings coverage of net charge-offs (x) | 4.3019% | 3,609 |
| Efficiency ratio | 78.6861% | 2,363 |
| Assets per employee ($millions) | 3.7031% | 4,469 |
| Cash dividends to net income (ytd only)* | 62.7063% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 4,864 |
| Loan loss allowance to noncurrent loans | 154.2234% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 3,648 |
| Noncurrent loans to loans | 0.7524% | 4,085 |
| Net loans and leases to total assets | 60.1674% | 3,682 |
| Net loans and leases to deposits | 74.9340% | 3,111 |
| Net loans and leases to core deposits | 81.1636% | 2,990 |
| Total domestic deposits to total assets | 80.2938% | 5,377 |
| Equity capital to assets | 9.5433% | 4,359 |
| Core capital (leverage) ratio | 8.6867% | 5,431 |
| Tier 1 risk-based capital ratio | 12.7859% | 5,124 |
| Total risk-based capital ratio | 13.8677% | 5,167 |
| Memoranda: | ||
| Average total assets | $725,596,800 | 916 |
| Average earning assets | $661,316,800 | 909 |
| Average equity | $77,145,000 | 924 |
| Average total loans | $448,047,000 | 954 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2811% | 3,073 |
| Cost of funding earning assets | 0.4749% | 4,022 |
| Net interest margin | 3.8063% | 2,616 |
| Noninterest income to average assets | 1.3358% | 826 |
| Noninterest expense to average assets | 3.6218% | 1,362 |
| Loan and lease loss provision to assets | 0.1586% | 2,279 |
| Net operating income to assets | 0.8249% | 3,226 |
| Return on assets (ROA) | 0.9419% | 2,737 |
| Pretax return on assets | 1.1673% | 2,819 |
| Return on Equity (ROE) | 8.6211% | 2,826 |
| Retained earnings to average equity (ytd only) | 3.6674% | 4,093 |
| Net charge-offs to loans | 0.4203% | 1,522 |
| Credit loss provision to net charge-offs | 60.8883% | 3,280 |
| Earnings coverage of net charge-offs (x) | 4.5351% | 3,419 |
| Efficiency ratio | 74.7377% | 2,944 |
| Assets per employee ($millions) | 3.3997% | 5,067 |
| Cash dividends to net income (ytd only)* | 57.4598% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 4,963 |
| Loan loss allowance to noncurrent loans | 123.7292% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 1.1070% | 3,441 |
| Noncurrent loans to loans | 0.9545% | 3,908 |
| Net loans and leases to total assets | 62.1047% | 3,338 |
| Net loans and leases to deposits | 80.1236% | 2,392 |
| Net loans and leases to core deposits | 86.7989% | 2,306 |
| Total domestic deposits to total assets | 77.5111% | 5,971 |
| Equity capital to assets | 10.1552% | 3,693 |
| Core capital (leverage) ratio | 9.0794% | 4,996 |
| Tier 1 risk-based capital ratio | 13.0751% | 5,074 |
| Total risk-based capital ratio | 14.1962% | 5,104 |
| Memoranda: | ||
| Average total assets | $714,434,500 | 931 |
| Average earning assets | $650,842,250 | 933 |
| Average equity | $78,054,500 | 926 |
| Average total loans | $442,839,250 | 969 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2981% | 2,955 |
| Cost of funding earning assets | 0.4724% | 4,178 |
| Net interest margin | 3.8257% | 2,457 |
| Noninterest income to average assets | 1.3550% | 854 |
| Noninterest expense to average assets | 3.5907% | 1,425 |
| Loan and lease loss provision to assets | 0.1701% | 2,210 |
| Net operating income to assets | 0.8545% | 3,023 |
| Return on assets (ROA) | 1.0279% | 2,326 |
| Pretax return on assets | 1.2938% | 2,320 |
| Return on Equity (ROE) | 9.1815% | 2,543 |
| Retained earnings to average equity (ytd only) | 4.1172% | 3,672 |
| Net charge-offs to loans | 0.5280% | 1,252 |
| Credit loss provision to net charge-offs | 52.2193% | 3,172 |
| Earnings coverage of net charge-offs (x) | 3.8207% | 3,290 |
| Efficiency ratio | 73.5944% | 3,208 |
| Assets per employee ($millions) | 3.2970% | 5,268 |
| Cash dividends to net income (ytd only)* | 55.1572% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 4,908 |
| Loan loss allowance to noncurrent loans | 116.0160% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 1.2029% | 3,338 |
| Noncurrent loans to loans | 1.0469% | 3,839 |
| Net loans and leases to total assets | 63.0829% | 3,087 |
| Net loans and leases to deposits | 77.5553% | 2,628 |
| Net loans and leases to core deposits | 84.1970% | 2,527 |
| Total domestic deposits to total assets | 81.3393% | 5,248 |
| Equity capital to assets | 10.7598% | 2,986 |
| Core capital (leverage) ratio | 9.2776% | 4,582 |
| Tier 1 risk-based capital ratio | 13.3408% | 4,888 |
| Total risk-based capital ratio | 14.4946% | 4,901 |
| Memoranda: | ||
| Average total assets | $705,535,670 | 945 |
| Average earning assets | $641,824,330 | 953 |
| Average equity | $78,985,000 | 921 |
| Average total loans | $435,193,000 | 978 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3453% | 2,710 |
| Cost of funding earning assets | 0.4742% | 4,334 |
| Net interest margin | 3.8711% | 2,214 |
| Noninterest income to average assets | 1.3411% | 856 |
| Noninterest expense to average assets | 3.5177% | 1,585 |
| Loan and lease loss provision to assets | 0.2557% | 1,392 |
| Net operating income to assets | 0.8699% | 2,808 |
| Return on assets (ROA) | 1.0013% | 2,338 |
| Pretax return on assets | 1.2531% | 2,404 |
| Return on Equity (ROE) | 8.7725% | 2,594 |
| Retained earnings to average equity (ytd only) | 3.7938% | 3,959 |
| Net charge-offs to loans | 0.8198% | 736 |
| Credit loss provision to net charge-offs | 51.4874% | 2,581 |
| Earnings coverage of net charge-offs (x) | 2.7071% | 2,964 |
| Efficiency ratio | 71.6807% | 3,676 |
| Assets per employee ($millions) | 3.4484% | 5,093 |
| Cash dividends to net income (ytd only)* | 56.7537% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 4,555 |
| Loan loss allowance to noncurrent loans | 96.1854% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.4242% | 3,129 |
| Noncurrent loans to loans | 1.3838% | 3,491 |
| Net loans and leases to total assets | 58.9650% | 3,616 |
| Net loans and leases to deposits | 70.0200% | 3,477 |
| Net loans and leases to core deposits | 75.9306% | 3,333 |
| Total domestic deposits to total assets | 84.2118% | 4,391 |
| Equity capital to assets | 11.3322% | 2,601 |
| Core capital (leverage) ratio | 9.1510% | 4,637 |
| Tier 1 risk-based capital ratio | 13.6663% | 4,748 |
| Total risk-based capital ratio | 14.8932% | 4,728 |
| Memoranda: | ||
| Average total assets | $703,876,500 | 953 |
| Average earning assets | $640,238,000 | 958 |
| Average equity | $80,342,000 | 914 |
| Average total loans | $426,457,500 | 1,001 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6160% | 2,936 |
| Cost of funding earning assets | 0.5621% | 4,712 |
| Net interest margin | 4.0539% | 2,177 |
| Noninterest income to average assets | 1.5042% | 697 |
| Noninterest expense to average assets | 3.8026% | 1,250 |
| Loan and lease loss provision to assets | 0.3032% | 2,253 |
| Net operating income to assets | 0.8574% | 3,009 |
| Return on assets (ROA) | 1.0746% | 2,225 |
| Pretax return on assets | 1.3372% | 2,267 |
| Return on Equity (ROE) | 9.1956% | 2,535 |
| Retained earnings to average equity (ytd only) | 3.8795% | 3,464 |
| Net charge-offs to loans | 0.4384% | 2,477 |
| Credit loss provision to net charge-offs | 111.1111% | 2,626 |
| Earnings coverage of net charge-offs (x) | 5.0168% | 3,176 |
| Efficiency ratio | 72.8586% | 3,266 |
| Assets per employee ($millions) | 3.6313% | 4,703 |
| Cash dividends to net income (ytd only)* | 57.8114% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 4,151 |
| Loan loss allowance to noncurrent loans | 76.9534% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.7159% | 2,823 |
| Noncurrent loans to loans | 1.8255% | 2,881 |
| Net loans and leases to total assets | 60.5578% | 3,504 |
| Net loans and leases to deposits | 71.7816% | 3,448 |
| Net loans and leases to core deposits | 77.7871% | 3,291 |
| Total domestic deposits to total assets | 84.3639% | 4,147 |
| Equity capital to assets | 11.4969% | 2,450 |
| Core capital (leverage) ratio | 9.1971% | 4,586 |
| Tier 1 risk-based capital ratio | 13.2999% | 4,897 |
| Total risk-based capital ratio | 14.5541% | 4,840 |
| Memoranda: | ||
| Average total assets | $676,095,600 | 968 |
| Average earning assets | $611,634,400 | 981 |
| Average equity | $79,005,400 | 888 |
| Average total loans | $420,851,800 | 994 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 2,742 |
| Cost of funding earning assets | 0.5853% | 4,786 |
| Net interest margin | 4.1297% | 1,978 |
| Noninterest income to average assets | 1.4507% | 713 |
| Noninterest expense to average assets | 3.7415% | 1,299 |
| Loan and lease loss provision to assets | 0.3184% | 2,077 |
| Net operating income to assets | 0.9113% | 2,924 |
| Return on assets (ROA) | 1.0542% | 2,487 |
| Pretax return on assets | 1.3012% | 2,607 |
| Return on Equity (ROE) | 8.9839% | 2,810 |
| Retained earnings to average equity (ytd only) | 3.5566% | 4,373 |
| Net charge-offs to loans | 0.4540% | 2,288 |
| Credit loss provision to net charge-offs | 112.2807% | 2,606 |
| Earnings coverage of net charge-offs (x) | 5.0884% | 3,119 |
| Efficiency ratio | 71.4933% | 3,414 |
| Assets per employee ($millions) | 3.3279% | 5,370 |
| Cash dividends to net income (ytd only)* | 60.4116% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 4,334 |
| Loan loss allowance to noncurrent loans | 79.2023% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 2.1689% | 2,468 |
| Noncurrent loans to loans | 1.7801% | 3,111 |
| Net loans and leases to total assets | 62.5884% | 3,284 |
| Net loans and leases to deposits | 77.7281% | 2,702 |
| Net loans and leases to core deposits | 83.7101% | 2,729 |
| Total domestic deposits to total assets | 80.5222% | 5,507 |
| Equity capital to assets | 11.9882% | 2,267 |
| Core capital (leverage) ratio | 9.3379% | 4,520 |
| Tier 1 risk-based capital ratio | 13.2455% | 5,064 |
| Total risk-based capital ratio | 14.5001% | 5,024 |
| Memoranda: | ||
| Average total assets | $669,909,250 | 986 |
| Average earning assets | $605,704,750 | 995 |
| Average equity | $78,613,000 | 899 |
| Average total loans | $418,449,500 | 1,004 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7828% | 2,573 |
| Cost of funding earning assets | 0.6179% | 4,737 |
| Net interest margin | 4.1649% | 1,853 |
| Noninterest income to average assets | 1.4368% | 701 |
| Noninterest expense to average assets | 3.6872% | 1,398 |
| Loan and lease loss provision to assets | 0.2989% | 2,191 |
| Net operating income to assets | 0.9889% | 2,520 |
| Return on assets (ROA) | 1.0545% | 2,458 |
| Pretax return on assets | 1.3014% | 2,552 |
| Return on Equity (ROE) | 9.0515% | 2,798 |
| Retained earnings to average equity (ytd only) | 3.9203% | 4,007 |
| Net charge-offs to loans | 0.5066% | 2,062 |
| Credit loss provision to net charge-offs | 94.9668% | 2,908 |
| Earnings coverage of net charge-offs (x) | 4.8272% | 2,978 |
| Efficiency ratio | 70.1475% | 3,747 |
| Assets per employee ($millions) | 3.4035% | 5,205 |
| Cash dividends to net income (ytd only)* | 56.6893% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 4,557 |
| Loan loss allowance to noncurrent loans | 81.4091% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 2.3498% | 2,377 |
| Noncurrent loans to loans | 1.6871% | 3,365 |
| Net loans and leases to total assets | 61.9994% | 3,436 |
| Net loans and leases to deposits | 76.4749% | 2,918 |
| Net loans and leases to core deposits | 82.5630% | 2,889 |
| Total domestic deposits to total assets | 81.0716% | 5,441 |
| Equity capital to assets | 11.8950% | 2,226 |
| Core capital (leverage) ratio | 9.1369% | 4,708 |
| Tier 1 risk-based capital ratio | 13.1597% | 5,074 |
| Total risk-based capital ratio | 14.4136% | 5,045 |
| Memoranda: | ||
| Average total assets | $669,131,330 | 985 |
| Average earning assets | $605,633,670 | 995 |
| Average equity | $77,954,000 | 898 |
| Average total loans | $415,678,330 | 1,011 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7184% | 2,978 |
| Cost of funding earning assets | 0.6456% | 4,768 |
| Net interest margin | 4.0728% | 2,204 |
| Noninterest income to average assets | 1.4296% | 711 |
| Noninterest expense to average assets | 3.7388% | 1,316 |
| Loan and lease loss provision to assets | 0.2693% | 2,303 |
| Net operating income to assets | 0.9190% | 2,832 |
| Return on assets (ROA) | 0.9975% | 2,679 |
| Pretax return on assets | 1.2165% | 2,849 |
| Return on Equity (ROE) | 8.6537% | 2,971 |
| Retained earnings to average equity (ytd only) | 3.9816% | 4,193 |
| Net charge-offs to loans | 0.2888% | 2,517 |
| Credit loss provision to net charge-offs | 151.0067% | 1,657 |
| Earnings coverage of net charge-offs (x) | 7.7953% | 2,039 |
| Efficiency ratio | 72.2203% | 3,398 |
| Assets per employee ($millions) | 3.4029% | 5,334 |
| Cash dividends to net income (ytd only)* | 53.9892% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 4,366 |
| Loan loss allowance to noncurrent loans | 112.0793% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 2.1774% | 2,711 |
| Noncurrent loans to loans | 1.2948% | 4,178 |
| Net loans and leases to total assets | 60.1115% | 3,642 |
| Net loans and leases to deposits | 72.2750% | 3,393 |
| Net loans and leases to core deposits | 78.6130% | 3,243 |
| Total domestic deposits to total assets | 83.1705% | 4,857 |
| Equity capital to assets | 11.4008% | 2,525 |
| Core capital (leverage) ratio | 9.1171% | 4,659 |
| Tier 1 risk-based capital ratio | 12.9941% | 5,224 |
| Total risk-based capital ratio | 14.2480% | 5,193 |
| Memoranda: | ||
| Average total assets | $668,450,000 | 985 |
| Average earning assets | $607,157,000 | 992 |
| Average equity | $77,053,500 | 905 |
| Average total loans | $412,772,000 | 1,018 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1145% | 2,397 |
| Cost of funding earning assets | 0.9016% | 4,105 |
| Net interest margin | 4.2129% | 2,018 |
| Noninterest income to average assets | 1.3201% | 743 |
| Noninterest expense to average assets | 3.8292% | 1,292 |
| Loan and lease loss provision to assets | 0.3761% | 2,737 |
| Net operating income to assets | 0.7567% | 3,232 |
| Return on assets (ROA) | 0.9086% | 2,687 |
| Pretax return on assets | 1.0728% | 2,942 |
| Return on Equity (ROE) | 8.0346% | 2,880 |
| Retained earnings to average equity (ytd only) | 2.8764% | 4,207 |
| Net charge-offs to loans | 0.3727% | 3,543 |
| Credit loss provision to net charge-offs | 159.8174% | 1,732 |
| Earnings coverage of net charge-offs (x) | 5.3979% | 2,806 |
| Efficiency ratio | 74.3558% | 3,163 |
| Assets per employee ($millions) | 3.4007% | 5,244 |
| Cash dividends to net income (ytd only)* | 64.2000% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 4,387 |
| Loan loss allowance to noncurrent loans | 82.5724% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 2.3299% | 2,595 |
| Noncurrent loans to loans | 1.7152% | 3,588 |
| Net loans and leases to total assets | 61.6390% | 3,671 |
| Net loans and leases to deposits | 74.8710% | 3,366 |
| Net loans and leases to core deposits | 81.2387% | 3,295 |
| Total domestic deposits to total assets | 82.3270% | 5,018 |
| Equity capital to assets | 11.6569% | 2,378 |
| Core capital (leverage) ratio | 9.3645% | 4,232 |
| Tier 1 risk-based capital ratio | 12.9539% | 5,102 |
| Total risk-based capital ratio | 14.2076% | 5,081 |
| Memoranda: | ||
| Average total assets | $651,447,000 | 992 |
| Average earning assets | $584,401,600 | 1,011 |
| Average equity | $73,669,000 | 919 |
| Average total loans | $411,349,600 | 1,021 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1886% | 2,248 |
| Cost of funding earning assets | 0.9593% | 3,965 |
| Net interest margin | 4.2293% | 1,994 |
| Noninterest income to average assets | 1.3071% | 765 |
| Noninterest expense to average assets | 3.6648% | 1,576 |
| Loan and lease loss provision to assets | 0.3901% | 2,515 |
| Net operating income to assets | 0.8647% | 2,890 |
| Return on assets (ROA) | 0.9482% | 2,706 |
| Pretax return on assets | 1.1358% | 2,870 |
| Return on Equity (ROE) | 8.4507% | 2,852 |
| Retained earnings to average equity (ytd only) | 3.5098% | 4,243 |
| Net charge-offs to loans | 0.3766% | 3,224 |
| Credit loss provision to net charge-offs | 163.6520% | 1,866 |
| Earnings coverage of net charge-offs (x) | 5.9793% | 2,651 |
| Efficiency ratio | 71.2557% | 3,694 |
| Assets per employee ($millions) | 3.2835% | 5,508 |
| Cash dividends to net income (ytd only)* | 58.4669% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3843% | 4,627 |
| Loan loss allowance to noncurrent loans | 81.6845% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 2.7144% | 2,390 |
| Noncurrent loans to loans | 1.6947% | 3,765 |
| Net loans and leases to total assets | 63.6713% | 3,377 |
| Net loans and leases to deposits | 79.4021% | 2,742 |
| Net loans and leases to core deposits | 85.8516% | 2,791 |
| Total domestic deposits to total assets | 80.1884% | 5,676 |
| Equity capital to assets | 12.0526% | 2,210 |
| Core capital (leverage) ratio | 9.3625% | 4,362 |
| Tier 1 risk-based capital ratio | 13.1008% | 5,022 |
| Total risk-based capital ratio | 14.3547% | 4,996 |
| Memoranda: | ||
| Average total assets | $649,376,750 | 1,004 |
| Average earning assets | $580,851,750 | 1,022 |
| Average equity | $72,860,250 | 931 |
| Average total loans | $411,064,000 | 1,031 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1791% | 2,351 |
| Cost of funding earning assets | 1.0102% | 3,888 |
| Net interest margin | 4.1688% | 2,163 |
| Noninterest income to average assets | 1.2377% | 825 |
| Noninterest expense to average assets | 3.5711% | 1,810 |
| Loan and lease loss provision to assets | 0.4430% | 2,224 |
| Net operating income to assets | 0.8004% | 3,072 |
| Return on assets (ROA) | 0.8585% | 2,919 |
| Pretax return on assets | 1.0153% | 3,187 |
| Return on Equity (ROE) | 7.8396% | 3,024 |
| Retained earnings to average equity (ytd only) | 2.8178% | 4,490 |
| Net charge-offs to loans | 0.3561% | 3,133 |
| Credit loss provision to net charge-offs | 197.8172% | 1,531 |
| Earnings coverage of net charge-offs (x) | 6.2060% | 2,442 |
| Efficiency ratio | 71.2201% | 3,897 |
| Assets per employee ($millions) | 3.4497% | 5,082 |
| Cash dividends to net income (ytd only)* | 64.0569% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 4,678 |
| Loan loss allowance to noncurrent loans | 62.3219% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 2.8832% | 2,331 |
| Noncurrent loans to loans | 2.2133% | 3,210 |
| Net loans and leases to total assets | 62.1983% | 3,852 |
| Net loans and leases to deposits | 77.9449% | 3,127 |
| Net loans and leases to core deposits | 83.0656% | 3,354 |
| Total domestic deposits to total assets | 79.7978% | 5,886 |
| Equity capital to assets | 11.3868% | 2,612 |
| Core capital (leverage) ratio | 9.1298% | 4,521 |
| Tier 1 risk-based capital ratio | 12.7971% | 5,096 |
| Total risk-based capital ratio | 14.0507% | 5,061 |
| Memoranda: | ||
| Average total assets | $654,594,330 | 1,007 |
| Average earning assets | $584,621,670 | 1,021 |
| Average equity | $71,687,000 | 950 |
| Average total loans | $411,697,330 | 1,043 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0733% | 2,760 |
| Cost of funding earning assets | 1.0632% | 3,764 |
| Net interest margin | 4.0100% | 2,647 |
| Noninterest income to average assets | 1.2019% | 882 |
| Noninterest expense to average assets | 3.3868% | 2,314 |
| Loan and lease loss provision to assets | 0.4562% | 1,929 |
| Net operating income to assets | 0.8013% | 3,030 |
| Return on assets (ROA) | 0.8029% | 3,083 |
| Pretax return on assets | 0.9464% | 3,333 |
| Return on Equity (ROE) | 7.4781% | 3,156 |
| Retained earnings to average equity (ytd only) | 2.9459% | 4,400 |
| Net charge-offs to loans | 0.0329% | 4,637 |
| Credit loss provision to net charge-offs | 2,205.8824% | 180 |
| Earnings coverage of net charge-offs (x) | 67.7353% | 449 |
| Efficiency ratio | 69.9276% | 4,289 |
| Assets per employee ($millions) | 3.4741% | 5,055 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 4,848 |
| Loan loss allowance to noncurrent loans | 50.1066% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 3.1555% | 2,181 |
| Noncurrent loans to loans | 2.7178% | 2,777 |
| Net loans and leases to total assets | 62.2275% | 3,804 |
| Net loans and leases to deposits | 75.7860% | 3,453 |
| Net loans and leases to core deposits | 80.6837% | 3,646 |
| Total domestic deposits to total assets | 82.1096% | 5,269 |
| Equity capital to assets | 10.8933% | 2,782 |
| Core capital (leverage) ratio | 8.8852% | 4,796 |
| Tier 1 risk-based capital ratio | 12.5156% | 5,248 |
| Total risk-based capital ratio | 13.7573% | 5,239 |
| Memoranda: | ||
| Average total assets | $657,615,500 | 1,010 |
| Average earning assets | $588,023,000 | 1,023 |
| Average equity | $70,606,000 | 952 |
| Average total loans | $413,031,000 | 1,050 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9125% | 4,961 |
| Cost of funding earning assets | 1.5811% | 2,181 |
| Net interest margin | 3.3314% | 5,865 |
| Noninterest income to average assets | 1.2837% | 893 |
| Noninterest expense to average assets | 3.2417% | 2,947 |
| Loan and lease loss provision to assets | 0.4737% | 3,298 |
| Net operating income to assets | 0.4940% | 4,128 |
| Return on assets (ROA) | 0.7610% | 3,076 |
| Pretax return on assets | 0.8644% | 3,428 |
| Return on Equity (ROE) | 7.3310% | 2,961 |
| Retained earnings to average equity (ytd only) | 2.6974% | 3,972 |
| Net charge-offs to loans | 1.4155% | 1,572 |
| Credit loss provision to net charge-offs | 54.8523% | 6,179 |
| Earnings coverage of net charge-offs (x) | 1.1980% | 4,913 |
| Efficiency ratio | 74.9404% | 3,216 |
| Assets per employee ($millions) | 3.5795% | 4,755 |
| Cash dividends to net income (ytd only)* | 63.2063% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 5,537 |
| Loan loss allowance to noncurrent loans | 37.3531% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 3.2809% | 2,153 |
| Noncurrent loans to loans | 3.2016% | 2,374 |
| Net loans and leases to total assets | 61.7812% | 4,326 |
| Net loans and leases to deposits | 75.6762% | 3,892 |
| Net loans and leases to core deposits | 83.7275% | 3,635 |
| Total domestic deposits to total assets | 81.6388% | 5,312 |
| Equity capital to assets | 10.5806% | 3,082 |
| Core capital (leverage) ratio | 8.7195% | 4,983 |
| Tier 1 risk-based capital ratio | 12.4164% | 5,095 |
| Total risk-based capital ratio | 13.5054% | 5,217 |
| Memoranda: | ||
| Average total assets | $686,057,400 | 969 |
| Average earning assets | $616,289,600 | 979 |
| Average equity | $71,217,800 | 948 |
| Average total loans | $418,588,800 | 1,068 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9073% | 5,232 |
| Cost of funding earning assets | 1.6627% | 2,035 |
| Net interest margin | 3.2447% | 6,190 |
| Noninterest income to average assets | 1.2174% | 941 |
| Noninterest expense to average assets | 3.1370% | 3,158 |
| Loan and lease loss provision to assets | 0.3752% | 3,640 |
| Net operating income to assets | 0.5420% | 4,124 |
| Return on assets (ROA) | 0.7541% | 3,360 |
| Pretax return on assets | 0.8655% | 3,682 |
| Return on Equity (ROE) | 7.2977% | 3,205 |
| Retained earnings to average equity (ytd only) | 2.8286% | 4,444 |
| Net charge-offs to loans | 0.6910% | 2,695 |
| Credit loss provision to net charge-offs | 89.5317% | 4,786 |
| Earnings coverage of net charge-offs (x) | 2.3788% | 3,987 |
| Efficiency ratio | 74.9953% | 3,145 |
| Assets per employee ($millions) | 3.5614% | 4,825 |
| Cash dividends to net income (ytd only)* | 61.2401% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7740% | 2,876 |
| Loan loss allowance to noncurrent loans | 45.2048% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 3.4067% | 2,087 |
| Noncurrent loans to loans | 3.9243% | 1,929 |
| Net loans and leases to total assets | 61.2925% | 4,666 |
| Net loans and leases to deposits | 75.7048% | 4,227 |
| Net loans and leases to core deposits | 83.5265% | 4,016 |
| Total domestic deposits to total assets | 80.9626% | 5,383 |
| Equity capital to assets | 11.0400% | 2,923 |
| Core capital (leverage) ratio | 8.4008% | 5,698 |
| Tier 1 risk-based capital ratio | 12.3412% | 5,126 |
| Total risk-based capital ratio | 13.5989% | 5,097 |
| Memoranda: | ||
| Average total assets | $692,916,000 | 965 |
| Average earning assets | $622,832,500 | 977 |
| Average equity | $71,600,750 | 937 |
| Average total loans | $420,278,500 | 1,073 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8831% | 5,472 |
| Cost of funding earning assets | 1.6678% | 2,300 |
| Net interest margin | 3.2154% | 6,268 |
| Noninterest income to average assets | 1.1614% | 953 |
| Noninterest expense to average assets | 3.0306% | 3,594 |
| Loan and lease loss provision to assets | 0.3562% | 3,582 |
| Net operating income to assets | 0.5926% | 3,907 |
| Return on assets (ROA) | 0.6462% | 3,797 |
| Pretax return on assets | 0.7340% | 4,129 |
| Return on Equity (ROE) | 6.3924% | 3,598 |
| Retained earnings to average equity (ytd only) | 2.1646% | 4,769 |
| Net charge-offs to loans | 1.1326% | 1,672 |
| Credit loss provision to net charge-offs | 52.3231% | 5,366 |
| Earnings coverage of net charge-offs (x) | 1.5119% | 4,357 |
| Efficiency ratio | 73.7507% | 3,521 |
| Assets per employee ($millions) | 3.8876% | 4,012 |
| Cash dividends to net income (ytd only)* | 66.1376% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5503% | 3,667 |
| Loan loss allowance to noncurrent loans | 43.8539% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 2.9474% | 2,432 |
| Noncurrent loans to loans | 3.5350% | 2,235 |
| Net loans and leases to total assets | 59.6288% | 5,136 |
| Net loans and leases to deposits | 73.8971% | 4,692 |
| Net loans and leases to core deposits | 81.3390% | 4,511 |
| Total domestic deposits to total assets | 80.6918% | 5,512 |
| Equity capital to assets | 10.4571% | 3,470 |
| Core capital (leverage) ratio | 7.9103% | 6,374 |
| Tier 1 risk-based capital ratio | 12.0004% | 5,310 |
| Total risk-based capital ratio | 13.2551% | 5,272 |
| Memoranda: | ||
| Average total assets | $701,895,670 | 960 |
| Average earning assets | $632,706,670 | 970 |
| Average equity | $70,959,670 | 940 |
| Average total loans | $421,849,330 | 1,081 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7371% | 6,123 |
| Cost of funding earning assets | 1.6403% | 2,706 |
| Net interest margin | 3.0968% | 6,601 |
| Noninterest income to average assets | 1.0299% | 1,204 |
| Noninterest expense to average assets | 2.9583% | 3,824 |
| Loan and lease loss provision to assets | 0.2540% | 4,012 |
| Net operating income to assets | 0.5656% | 4,052 |
| Return on assets (ROA) | 0.5672% | 4,188 |
| Pretax return on assets | 0.6129% | 4,559 |
| Return on Equity (ROE) | 5.7052% | 4,008 |
| Retained earnings to average equity (ytd only) | 1.1638% | 5,353 |
| Net charge-offs to loans | 2.1556% | 790 |
| Credit loss provision to net charge-offs | 19.6764% | 4,951 |
| Earnings coverage of net charge-offs (x) | 0.6703% | 4,427 |
| Efficiency ratio | 76.4133% | 3,145 |
| Assets per employee ($millions) | 4.1665% | 3,525 |
| Cash dividends to net income (ytd only)* | 79.6020% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3619% | 4,616 |
| Loan loss allowance to noncurrent loans | 37.1112% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 2.8677% | 2,514 |
| Noncurrent loans to loans | 3.6697% | 2,168 |
| Net loans and leases to total assets | 56.2813% | 5,700 |
| Net loans and leases to deposits | 68.8633% | 5,488 |
| Net loans and leases to core deposits | 78.5624% | 4,953 |
| Total domestic deposits to total assets | 81.7289% | 5,186 |
| Equity capital to assets | 9.5303% | 4,488 |
| Core capital (leverage) ratio | 8.0202% | 6,207 |
| Tier 1 risk-based capital ratio | 11.5262% | 5,652 |
| Total risk-based capital ratio | 12.7475% | 5,659 |
| Memoranda: | ||
| Average total assets | $708,791,000 | 971 |
| Average earning assets | $639,376,500 | 980 |
| Average equity | $70,461,500 | 944 |
| Average total loans | $424,389,000 | 1,107 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2888% | 5,236 |
| Cost of funding earning assets | 2.0097% | 2,920 |
| Net interest margin | 3.2791% | 5,825 |
| Noninterest income to average assets | 1.2950% | 894 |
| Noninterest expense to average assets | 3.1600% | 3,512 |
| Loan and lease loss provision to assets | 0.5166% | 3,790 |
| Net operating income to assets | 0.5452% | 3,548 |
| Return on assets (ROA) | 0.7731% | 2,722 |
| Pretax return on assets | 0.8251% | 3,168 |
| Return on Equity (ROE) | 7.4648% | 2,593 |
| Retained earnings to average equity (ytd only) | 2.9827% | 3,080 |
| Net charge-offs to loans | 0.3115% | 4,686 |
| Credit loss provision to net charge-offs | 262.3574% | 1,339 |
| Earnings coverage of net charge-offs (x) | 5.5825% | 2,555 |
| Efficiency ratio | 73.2773% | 4,039 |
| Assets per employee ($millions) | 3.7140% | 4,488 |
| Cash dividends to net income (ytd only)* | 60.0426% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7857% | 2,597 |
| Loan loss allowance to noncurrent loans | 52.1799% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 2.8267% | 2,479 |
| Noncurrent loans to loans | 3.4222% | 2,228 |
| Net loans and leases to total assets | 61.8412% | 5,023 |
| Net loans and leases to deposits | 77.8588% | 4,405 |
| Net loans and leases to core deposits | 96.7961% | 4,374 |
| Total domestic deposits to total assets | 79.4274% | 5,870 |
| Equity capital to assets | 10.3918% | 3,293 |
| Core capital (leverage) ratio | 8.3769% | 5,481 |
| Tier 1 risk-based capital ratio | 11.8825% | 5,042 |
| Total risk-based capital ratio | 13.1398% | 5,002 |
| Memoranda: | ||
| Average total assets | $667,812,800 | 1,037 |
| Average earning assets | $603,708,600 | 1,036 |
| Average equity | $69,164,800 | 951 |
| Average total loans | $422,200,200 | 1,138 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3155% | 5,340 |
| Cost of funding earning assets | 2.0743% | 3,015 |
| Net interest margin | 3.2412% | 5,876 |
| Noninterest income to average assets | 1.3428% | 850 |
| Noninterest expense to average assets | 3.2564% | 3,092 |
| Loan and lease loss provision to assets | 0.2704% | 4,803 |
| Net operating income to assets | 0.6737% | 3,301 |
| Return on assets (ROA) | 0.7370% | 3,136 |
| Pretax return on assets | 0.8189% | 3,481 |
| Return on Equity (ROE) | 7.1217% | 3,014 |
| Retained earnings to average equity (ytd only) | 2.8642% | 3,728 |
| Net charge-offs to loans | 0.1509% | 5,200 |
| Credit loss provision to net charge-offs | 283.0189% | 1,481 |
| Earnings coverage of net charge-offs (x) | 10.6667% | 1,937 |
| Efficiency ratio | 75.2541% | 3,645 |
| Assets per employee ($millions) | 3.5264% | 4,862 |
| Cash dividends to net income (ytd only)* | 59.7827% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 3,541 |
| Loan loss allowance to noncurrent loans | 71.4221% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 2.0954% | 3,216 |
| Noncurrent loans to loans | 2.0737% | 3,534 |
| Net loans and leases to total assets | 64.2743% | 4,806 |
| Net loans and leases to deposits | 84.8653% | 3,513 |
| Net loans and leases to core deposits | 106.8448% | 3,610 |
| Total domestic deposits to total assets | 75.7368% | 6,633 |
| Equity capital to assets | 11.0407% | 2,978 |
| Core capital (leverage) ratio | 8.4310% | 5,616 |
| Tier 1 risk-based capital ratio | 11.8203% | 5,142 |
| Total risk-based capital ratio | 13.0747% | 5,075 |
| Memoranda: | ||
| Average total assets | $665,781,250 | 1,050 |
| Average earning assets | $602,401,250 | 1,052 |
| Average equity | $68,895,500 | 964 |
| Average total loans | $421,348,000 | 1,159 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3174% | 5,577 |
| Cost of funding earning assets | 2.1372% | 3,101 |
| Net interest margin | 3.1802% | 5,979 |
| Noninterest income to average assets | 1.3371% | 857 |
| Noninterest expense to average assets | 3.2541% | 3,140 |
| Loan and lease loss provision to assets | 0.2690% | 4,432 |
| Net operating income to assets | 0.6207% | 3,586 |
| Return on assets (ROA) | 0.6747% | 3,480 |
| Pretax return on assets | 0.7539% | 3,821 |
| Return on Equity (ROE) | 6.6655% | 3,353 |
| Retained earnings to average equity (ytd only) | 1.6450% | 4,423 |
| Net charge-offs to loans | -0.0038% | 7,507 |
| Credit loss provision to net charge-offs | -11,250.0000% | 7,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2496% | 3,642 |
| Assets per employee ($millions) | 3.3459% | 5,202 |
| Cash dividends to net income (ytd only)* | 75.3212% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 3,052 |
| Loan loss allowance to noncurrent loans | 74.0874% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 2.0705% | 3,099 |
| Noncurrent loans to loans | 2.0601% | 3,436 |
| Net loans and leases to total assets | 63.3455% | 5,111 |
| Net loans and leases to deposits | 83.1509% | 4,019 |
| Net loans and leases to core deposits | 105.5262% | 3,891 |
| Total domestic deposits to total assets | 76.1813% | 6,510 |
| Equity capital to assets | 10.5028% | 3,397 |
| Core capital (leverage) ratio | 8.6931% | 5,097 |
| Tier 1 risk-based capital ratio | 12.9125% | 4,207 |
| Total risk-based capital ratio | 14.1672% | 4,120 |
| Memoranda: | ||
| Average total assets | $669,071,000 | 1,054 |
| Average earning assets | $605,743,330 | 1,058 |
| Average equity | $67,721,670 | 992 |
| Average total loans | $419,157,000 | 1,190 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3212% | 5,804 |
| Cost of funding earning assets | 2.1669% | 3,334 |
| Net interest margin | 3.1543% | 5,998 |
| Noninterest income to average assets | 1.1534% | 1,112 |
| Noninterest expense to average assets | 2.8446% | 4,362 |
| Loan and lease loss provision to assets | 0.2651% | 3,844 |
| Net operating income to assets | 0.7291% | 3,429 |
| Return on assets (ROA) | 0.7310% | 3,615 |
| Pretax return on assets | 0.9083% | 3,686 |
| Return on Equity (ROE) | 7.3546% | 3,446 |
| Retained earnings to average equity (ytd only) | 2.6135% | 4,431 |
| Net charge-offs to loans | -0.0800% | 7,826 |
| Credit loss provision to net charge-offs | -535.7143% | 6,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8694% | 4,611 |
| Assets per employee ($millions) | 3.3458% | 5,209 |
| Cash dividends to net income (ytd only)* | 64.4641% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 3,266 |
| Loan loss allowance to noncurrent loans | 57.8607% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 2.1801% | 2,625 |
| Noncurrent loans to loans | 2.4945% | 2,638 |
| Net loans and leases to total assets | 60.3126% | 5,603 |
| Net loans and leases to deposits | 77.7791% | 4,960 |
| Net loans and leases to core deposits | 99.5315% | 4,583 |
| Total domestic deposits to total assets | 77.5435% | 6,136 |
| Equity capital to assets | 10.0484% | 3,947 |
| Core capital (leverage) ratio | 8.4966% | 5,542 |
| Tier 1 risk-based capital ratio | 13.0111% | 4,174 |
| Total risk-based capital ratio | 14.2647% | 4,095 |
| Memoranda: | ||
| Average total assets | $679,050,500 | 1,034 |
| Average earning assets | $616,178,500 | 1,046 |
| Average equity | $67,495,000 | 996 |
| Average total loans | $419,957,500 | 1,204 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0404% | 5,355 |
| Cost of funding earning assets | 2.5441% | 3,983 |
| Net interest margin | 3.4964% | 5,305 |
| Noninterest income to average assets | 1.1893% | 1,072 |
| Noninterest expense to average assets | 3.0789% | 3,786 |
| Loan and lease loss provision to assets | 0.5753% | 2,521 |
| Net operating income to assets | 0.5695% | 4,442 |
| Return on assets (ROA) | 0.6534% | 3,946 |
| Pretax return on assets | 0.7991% | 4,076 |
| Return on Equity (ROE) | 6.3614% | 3,809 |
| Retained earnings to average equity (ytd only) | 0.4572% | 4,968 |
| Net charge-offs to loans | 0.7443% | 1,662 |
| Credit loss provision to net charge-offs | 118.8182% | 4,537 |
| Earnings coverage of net charge-offs (x) | 2.6272% | 4,775 |
| Efficiency ratio | 69.8152% | 4,390 |
| Assets per employee ($millions) | 3.1725% | 5,558 |
| Cash dividends to net income (ytd only)* | 92.8129% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 3,872 |
| Loan loss allowance to noncurrent loans | 74.4449% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.3523% | 3,503 |
| Noncurrent loans to loans | 1.7302% | 3,171 |
| Net loans and leases to total assets | 61.6891% | 5,667 |
| Net loans and leases to deposits | 80.3811% | 4,979 |
| Net loans and leases to core deposits | 101.5134% | 4,668 |
| Total domestic deposits to total assets | 76.7457% | 6,056 |
| Equity capital to assets | 9.8308% | 4,252 |
| Core capital (leverage) ratio | 8.7583% | 5,103 |
| Tier 1 risk-based capital ratio | 12.8264% | 4,201 |
| Total risk-based capital ratio | 14.0736% | 4,134 |
| Memoranda: | ||
| Average total assets | $643,093,800 | 1,043 |
| Average earning assets | $581,548,400 | 1,061 |
| Average equity | $66,054,400 | 1,012 |
| Average total loans | $418,399,400 | 1,146 |