Home > The Casey County Bank, Inc. > Performance and Condition Ratios
The Casey County Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8777% | 2,328 |
| Cost of funding earning assets | 1.5806% | 1,740 |
| Net interest margin | 3.2971% | 2,644 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 1.8846% | 3,861 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.2201% | 1,601 |
| Return on assets (ROA) | 1.2201% | 1,577 |
| Pretax return on assets | 1.5957% | 1,238 |
| Return on Equity (ROE) | 19.4200% | 667 |
| Retained earnings to average equity (ytd only) | 11.5266% | 697 |
| Net charge-offs to loans | 0.0688% | 1,163 |
| Credit loss provision to net charge-offs | 331.1475% | 891 |
| Earnings coverage of net charge-offs (x) | 51.3115% | 1,277 |
| Efficiency ratio | 52.4641% | 3,792 |
| Assets per employee ($millions) | 6.8382% | 2,179 |
| Cash dividends to net income (ytd only)* | 40.6439% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5068% | 1,030 |
| Loan loss allowance to noncurrent loans | 367.2043% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 2,090 |
| Noncurrent loans to loans | 0.4103% | 1,759 |
| Net loans and leases to total assets | 47.4800% | 3,755 |
| Net loans and leases to deposits | 63.6378% | 3,308 |
| Net loans and leases to core deposits | 76.5279% | 2,942 |
| Total domestic deposits to total assets | 74.6100% | 4,061 |
| Equity capital to assets | 6.8402% | 4,003 |
| Core capital (leverage) ratio | 8.4999% | 4,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0099% | 2,241 |
| Memoranda: | ||
| Average total assets | $366,599,000 | 2,128 |
| Average earning assets | $350,000,400 | 2,091 |
| Average equity | $23,033,600 | 2,628 |
| Average total loans | $177,388,400 | 2,470 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7516% | 2,369 |
| Cost of funding earning assets | 1.5017% | 1,600 |
| Net interest margin | 3.2499% | 2,801 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 1.8303% | 3,924 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.2135% | 1,761 |
| Return on assets (ROA) | 1.2135% | 1,748 |
| Pretax return on assets | 1.6023% | 1,353 |
| Return on Equity (ROE) | 19.7700% | 747 |
| Retained earnings to average equity (ytd only) | 14.5372% | 609 |
| Net charge-offs to loans | 0.0476% | 1,211 |
| Credit loss provision to net charge-offs | 484.1270% | 648 |
| Earnings coverage of net charge-offs (x) | 74.3175% | 1,086 |
| Efficiency ratio | 51.6422% | 3,783 |
| Assets per employee ($millions) | 6.8499% | 2,070 |
| Cash dividends to net income (ytd only)* | 26.4555% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 1,160 |
| Loan loss allowance to noncurrent loans | 231.9828% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.3428% | 1,656 |
| Noncurrent loans to loans | 0.6383% | 1,277 |
| Net loans and leases to total assets | 48.4000% | 3,717 |
| Net loans and leases to deposits | 65.1938% | 3,192 |
| Net loans and leases to core deposits | 76.1308% | 2,855 |
| Total domestic deposits to total assets | 74.2400% | 4,142 |
| Equity capital to assets | 5.9690% | 3,999 |
| Core capital (leverage) ratio | 8.6114% | 4,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7840% | 2,351 |
| Memoranda: | ||
| Average total assets | $364,223,750 | 2,144 |
| Average earning assets | $347,410,000 | 2,105 |
| Average equity | $22,360,500 | 2,662 |
| Average total loans | $176,407,250 | 2,480 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 2,367 |
| Cost of funding earning assets | 1.3840% | 1,491 |
| Net interest margin | 3.2384% | 2,889 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 1.8133% | 3,971 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.2171% | 1,787 |
| Return on assets (ROA) | 1.2171% | 1,773 |
| Pretax return on assets | 1.6074% | 1,400 |
| Return on Equity (ROE) | 19.6400% | 748 |
| Retained earnings to average equity (ytd only) | 16.9589% | 394 |
| Net charge-offs to loans | 0.0080% | 1,915 |
| Credit loss provision to net charge-offs | 2,857.1429% | 198 |
| Earnings coverage of net charge-offs (x) | 444.5714% | 331 |
| Efficiency ratio | 51.3522% | 3,824 |
| Assets per employee ($millions) | 6.8415% | 2,049 |
| Cash dividends to net income (ytd only)* | 13.6508% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 1,198 |
| Loan loss allowance to noncurrent loans | 479.4918% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.1640% | 2,419 |
| Noncurrent loans to loans | 0.3119% | 2,023 |
| Net loans and leases to total assets | 46.2500% | 3,785 |
| Net loans and leases to deposits | 61.7129% | 3,324 |
| Net loans and leases to core deposits | 71.6790% | 3,030 |
| Total domestic deposits to total assets | 74.9400% | 4,125 |
| Equity capital to assets | 6.1473% | 4,111 |
| Core capital (leverage) ratio | 8.4385% | 4,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8703% | 2,347 |
| Memoranda: | ||
| Average total assets | $362,332,667 | 2,160 |
| Average earning assets | $345,664,667 | 2,116 |
| Average equity | $22,454,333 | 2,665 |
| Average total loans | $174,633,000 | 2,489 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4348% | 2,452 |
| Cost of funding earning assets | 1.1615% | 1,557 |
| Net interest margin | 3.2732% | 2,942 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 1.7594% | 4,099 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.2843% | 1,714 |
| Return on assets (ROA) | 1.2843% | 1,688 |
| Pretax return on assets | 1.7042% | 1,267 |
| Return on Equity (ROE) | 20.6400% | 691 |
| Retained earnings to average equity (ytd only) | 20.6366% | 339 |
| Net charge-offs to loans | 0.0046% | 1,802 |
| Credit loss provision to net charge-offs | 4,750.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 804.5000% | 137 |
| Efficiency ratio | 49.2749% | 4,000 |
| Assets per employee ($millions) | 6.8039% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 1,415 |
| Loan loss allowance to noncurrent loans | 430.2876% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 2,260 |
| Noncurrent loans to loans | 0.3382% | 1,937 |
| Net loans and leases to total assets | 46.8700% | 3,718 |
| Net loans and leases to deposits | 62.6902% | 3,188 |
| Net loans and leases to core deposits | 72.6196% | 2,773 |
| Total domestic deposits to total assets | 74.7700% | 4,247 |
| Equity capital to assets | 6.2872% | 4,111 |
| Core capital (leverage) ratio | 8.5287% | 4,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4424% | 1,280 |
| Memoranda: | ||
| Average total assets | $355,358,500 | 2,213 |
| Average earning assets | $338,868,500 | 2,176 |
| Average equity | $22,116,000 | 2,709 |
| Average total loans | $173,614,500 | 2,518 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6069% | 2,786 |
| Cost of funding earning assets | 0.3027% | 2,851 |
| Net interest margin | 3.3042% | 2,556 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 1.9448% | 3,733 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.2306% | 1,661 |
| Return on assets (ROA) | 1.2306% | 1,612 |
| Pretax return on assets | 1.6160% | 1,130 |
| Return on Equity (ROE) | 17.6400% | 761 |
| Retained earnings to average equity (ytd only) | 10.6288% | 976 |
| Net charge-offs to loans | 0.1313% | 602 |
| Credit loss provision to net charge-offs | 137.6147% | 1,355 |
| Earnings coverage of net charge-offs (x) | 25.3394% | 1,772 |
| Efficiency ratio | 53.2300% | 3,855 |
| Assets per employee ($millions) | 6.4775% | 2,352 |
| Cash dividends to net income (ytd only)* | 39.7436% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 1,434 |
| Loan loss allowance to noncurrent loans | 437.5000% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 2,272 |
| Noncurrent loans to loans | 0.3247% | 1,987 |
| Net loans and leases to total assets | 49.5300% | 3,540 |
| Net loans and leases to deposits | 62.5459% | 3,152 |
| Net loans and leases to core deposits | 70.5141% | 2,840 |
| Total domestic deposits to total assets | 79.1800% | 3,982 |
| Equity capital to assets | 6.1555% | 4,035 |
| Core capital (leverage) ratio | 8.8356% | 3,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3207% | 1,286 |
| Memoranda: | ||
| Average total assets | $323,269,400 | 2,334 |
| Average earning assets | $307,937,000 | 2,289 |
| Average equity | $22,552,000 | 2,732 |
| Average total loans | $165,975,600 | 2,493 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4329% | 2,827 |
| Cost of funding earning assets | 0.1847% | 3,455 |
| Net interest margin | 3.2481% | 2,465 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 1.9749% | 3,542 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.1961% | 1,702 |
| Return on assets (ROA) | 1.1961% | 1,681 |
| Pretax return on assets | 1.5785% | 1,179 |
| Return on Equity (ROE) | 16.6200% | 871 |
| Retained earnings to average equity (ytd only) | 12.8924% | 630 |
| Net charge-offs to loans | 0.1176% | 532 |
| Credit loss provision to net charge-offs | 103.4483% | 1,298 |
| Earnings coverage of net charge-offs (x) | 27.0207% | 1,573 |
| Efficiency ratio | 54.6108% | 3,766 |
| Assets per employee ($millions) | 6.1413% | 2,634 |
| Cash dividends to net income (ytd only)* | 22.4168% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3994% | 1,606 |
| Loan loss allowance to noncurrent loans | 216.1202% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 1,595 |
| Noncurrent loans to loans | 0.6475% | 1,259 |
| Net loans and leases to total assets | 51.3700% | 3,350 |
| Net loans and leases to deposits | 61.8973% | 3,028 |
| Net loans and leases to core deposits | 71.9911% | 2,484 |
| Total domestic deposits to total assets | 82.9900% | 3,693 |
| Equity capital to assets | 5.9264% | 3,991 |
| Core capital (leverage) ratio | 9.0099% | 3,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4360% | 1,305 |
| Memoranda: | ||
| Average total assets | $318,260,500 | 2,380 |
| Average earning assets | $303,140,500 | 2,336 |
| Average equity | $22,907,000 | 2,744 |
| Average total loans | $164,351,250 | 2,503 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2838% | 2,789 |
| Cost of funding earning assets | 0.1395% | 3,716 |
| Net interest margin | 3.1443% | 2,387 |
| Noninterest income to average assets | 0.5256% | 2,060 |
| Noninterest expense to average assets | 1.9636% | 3,540 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1822% | 1,489 |
| Return on assets (ROA) | 1.1822% | 1,466 |
| Pretax return on assets | 1.5590% | 1,030 |
| Return on Equity (ROE) | 15.4856% | 800 |
| Retained earnings to average equity (ytd only) | 13.3042% | 433 |
| Net charge-offs to loans | 0.0799% | 672 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 37.8769% | 1,283 |
| Efficiency ratio | 55.7433% | 3,800 |
| Assets per employee ($millions) | 6.2419% | 2,527 |
| Cash dividends to net income (ytd only)* | 14.0868% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 1,820 |
| Loan loss allowance to noncurrent loans | 204.1667% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3694% | 1,514 |
| Noncurrent loans to loans | 0.6775% | 1,277 |
| Net loans and leases to total assets | 50.5894% | 3,315 |
| Net loans and leases to deposits | 62.2739% | 2,868 |
| Net loans and leases to core deposits | 68.3025% | 2,623 |
| Total domestic deposits to total assets | 81.2369% | 4,097 |
| Equity capital to assets | 6.8298% | 3,852 |
| Core capital (leverage) ratio | 9.0777% | 3,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3334% | 1,927 |
| Memoranda: | ||
| Average total assets | $315,850,667 | 2,402 |
| Average earning assets | $301,055,667 | 2,380 |
| Average equity | $24,112,667 | 2,738 |
| Average total loans | $162,610,667 | 2,530 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1303% | 2,877 |
| Cost of funding earning assets | 0.1411% | 3,614 |
| Net interest margin | 2.9892% | 2,536 |
| Noninterest income to average assets | 0.5214% | 2,037 |
| Noninterest expense to average assets | 1.9558% | 3,541 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0761% | 1,603 |
| Return on assets (ROA) | 1.0761% | 1,596 |
| Pretax return on assets | 1.4216% | 1,197 |
| Return on Equity (ROE) | 13.3626% | 966 |
| Retained earnings to average equity (ytd only) | 13.3626% | 436 |
| Net charge-offs to loans | 0.0697% | 648 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 39.5357% | 1,011 |
| Efficiency ratio | 57.9087% | 3,693 |
| Assets per employee ($millions) | 6.0053% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4430% | 1,749 |
| Loan loss allowance to noncurrent loans | 165.4880% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.4538% | 1,345 |
| Noncurrent loans to loans | 0.8720% | 1,075 |
| Net loans and leases to total assets | 51.1802% | 3,049 |
| Net loans and leases to deposits | 64.2604% | 2,506 |
| Net loans and leases to core deposits | 67.3071% | 2,508 |
| Total domestic deposits to total assets | 79.6450% | 4,305 |
| Equity capital to assets | 7.4719% | 3,952 |
| Core capital (leverage) ratio | 8.9633% | 3,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1900% | 2,121 |
| Memoranda: | ||
| Average total assets | $311,487,000 | 2,441 |
| Average earning assets | $297,608,500 | 2,401 |
| Average equity | $25,085,000 | 2,769 |
| Average total loans | $160,663,500 | 2,544 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1759% | 3,524 |
| Cost of funding earning assets | 0.3069% | 2,340 |
| Net interest margin | 2.8690% | 3,514 |
| Noninterest income to average assets | 0.5105% | 2,515 |
| Noninterest expense to average assets | 1.9204% | 3,877 |
| Loan and lease loss provision to assets | 0.0674% | 1,722 |
| Net operating income to assets | 0.9640% | 2,822 |
| Return on assets (ROA) | 0.9675% | 2,867 |
| Pretax return on assets | 1.2632% | 2,476 |
| Return on Equity (ROE) | 10.6900% | 2,281 |
| Retained earnings to average equity (ytd only) | 6.2038% | 2,270 |
| Net charge-offs to loans | 0.0775% | 1,021 |
| Credit loss provision to net charge-offs | 168.0672% | 1,417 |
| Earnings coverage of net charge-offs (x) | 33.0504% | 1,544 |
| Efficiency ratio | 59.1504% | 3,276 |
| Assets per employee ($millions) | 6.0921% | 2,675 |
| Cash dividends to net income (ytd only)* | 41.9658% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 1,599 |
| Loan loss allowance to noncurrent loans | 188.8357% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 1,615 |
| Noncurrent loans to loans | 0.7879% | 1,292 |
| Net loans and leases to total assets | 50.4656% | 3,226 |
| Net loans and leases to deposits | 63.8804% | 2,699 |
| Net loans and leases to core deposits | 67.0508% | 2,728 |
| Total domestic deposits to total assets | 79.0001% | 4,318 |
| Equity capital to assets | 8.6377% | 3,952 |
| Core capital (leverage) ratio | 9.0265% | 3,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6605% | 1,992 |
| Memoranda: | ||
| Average total assets | $296,550,000 | 2,444 |
| Average earning assets | $282,814,800 | 2,417 |
| Average equity | $26,838,200 | 2,734 |
| Average total loans | $153,623,000 | 2,598 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1891% | 3,624 |
| Cost of funding earning assets | 0.3465% | 2,147 |
| Net interest margin | 2.8426% | 3,678 |
| Noninterest income to average assets | 0.5083% | 2,586 |
| Noninterest expense to average assets | 1.9380% | 3,842 |
| Loan and lease loss provision to assets | 0.0454% | 2,090 |
| Net operating income to assets | 0.9386% | 3,128 |
| Return on assets (ROA) | 0.9433% | 3,189 |
| Pretax return on assets | 1.2368% | 2,812 |
| Return on Equity (ROE) | 10.2984% | 2,626 |
| Retained earnings to average equity (ytd only) | 8.9918% | 1,696 |
| Net charge-offs to loans | 0.1226% | 644 |
| Credit loss provision to net charge-offs | 71.4286% | 1,749 |
| Earnings coverage of net charge-offs (x) | 20.0357% | 1,742 |
| Efficiency ratio | 60.2916% | 2,941 |
| Assets per employee ($millions) | 5.6995% | 2,992 |
| Cash dividends to net income (ytd only)* | 12.6869% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 1,941 |
| Loan loss allowance to noncurrent loans | 166.9391% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.4641% | 1,638 |
| Noncurrent loans to loans | 0.8507% | 1,343 |
| Net loans and leases to total assets | 53.6623% | 3,009 |
| Net loans and leases to deposits | 65.9516% | 2,632 |
| Net loans and leases to core deposits | 69.3567% | 2,650 |
| Total domestic deposits to total assets | 81.3663% | 4,038 |
| Equity capital to assets | 9.5064% | 3,361 |
| Core capital (leverage) ratio | 9.3463% | 3,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8513% | 1,667 |
| Memoranda: | ||
| Average total assets | $293,013,250 | 2,486 |
| Average earning assets | $278,940,750 | 2,457 |
| Average equity | $26,838,500 | 2,769 |
| Average total loans | $152,238,000 | 2,653 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1435% | 3,781 |
| Cost of funding earning assets | 0.3844% | 2,017 |
| Net interest margin | 2.7591% | 3,878 |
| Noninterest income to average assets | 0.5099% | 2,584 |
| Noninterest expense to average assets | 1.9374% | 3,867 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9018% | 3,213 |
| Return on assets (ROA) | 0.9088% | 3,271 |
| Pretax return on assets | 1.2049% | 2,892 |
| Return on Equity (ROE) | 10.0475% | 2,724 |
| Retained earnings to average equity (ytd only) | 8.0681% | 2,047 |
| Net charge-offs to loans | 0.0399% | 1,231 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 58.5667% | 979 |
| Efficiency ratio | 61.8292% | 2,751 |
| Assets per employee ($millions) | 5.6847% | 2,917 |
| Cash dividends to net income (ytd only)* | 19.7004% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4573% | 1,734 |
| Loan loss allowance to noncurrent loans | 194.4014% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3958% | 2,019 |
| Noncurrent loans to loans | 0.7496% | 1,595 |
| Net loans and leases to total assets | 51.6311% | 3,379 |
| Net loans and leases to deposits | 63.9063% | 3,007 |
| Net loans and leases to core deposits | 65.8803% | 3,118 |
| Total domestic deposits to total assets | 80.7918% | 4,114 |
| Equity capital to assets | 9.0885% | 3,720 |
| Core capital (leverage) ratio | 8.7999% | 3,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3788% | 1,842 |
| Memoranda: | ||
| Average total assets | $293,792,000 | 2,479 |
| Average earning assets | $279,368,000 | 2,451 |
| Average equity | $26,573,667 | 2,776 |
| Average total loans | $150,240,333 | 2,686 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1305% | 3,827 |
| Cost of funding earning assets | 0.4135% | 1,986 |
| Net interest margin | 2.7170% | 3,925 |
| Noninterest income to average assets | 0.5108% | 2,561 |
| Noninterest expense to average assets | 1.9817% | 3,775 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8354% | 3,311 |
| Return on assets (ROA) | 0.8495% | 3,351 |
| Pretax return on assets | 1.1226% | 3,059 |
| Return on Equity (ROE) | 9.4144% | 2,884 |
| Retained earnings to average equity (ytd only) | 9.4144% | 1,822 |
| Net charge-offs to loans | -0.0433% | 4,335 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2035% | 2,437 |
| Assets per employee ($millions) | 6.2238% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 1,466 |
| Loan loss allowance to noncurrent loans | 152.5166% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.5237% | 1,809 |
| Noncurrent loans to loans | 1.0091% | 1,326 |
| Net loans and leases to total assets | 48.3133% | 3,779 |
| Net loans and leases to deposits | 58.6305% | 3,593 |
| Net loans and leases to core deposits | 62.9380% | 3,502 |
| Total domestic deposits to total assets | 82.4030% | 3,812 |
| Equity capital to assets | 8.6423% | 4,005 |
| Core capital (leverage) ratio | 8.9607% | 3,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7356% | 1,665 |
| Memoranda: | ||
| Average total assets | $292,886,500 | 2,467 |
| Average earning assets | $277,658,500 | 2,447 |
| Average equity | $26,427,500 | 2,772 |
| Average total loans | $147,920,500 | 2,715 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 3,090 |
| Cost of funding earning assets | 0.6004% | 2,304 |
| Net interest margin | 3.2773% | 3,135 |
| Noninterest income to average assets | 0.6030% | 2,208 |
| Noninterest expense to average assets | 2.3183% | 3,359 |
| Loan and lease loss provision to assets | 0.1753% | 2,193 |
| Net operating income to assets | 0.9924% | 2,320 |
| Return on assets (ROA) | 1.0099% | 2,400 |
| Pretax return on assets | 1.2488% | 2,165 |
| Return on Equity (ROE) | 9.5641% | 2,173 |
| Retained earnings to average equity (ytd only) | 4.9152% | 2,307 |
| Net charge-offs to loans | 0.0350% | 2,349 |
| Credit loss provision to net charge-offs | 877.5510% | 843 |
| Earnings coverage of net charge-offs (x) | 70.2041% | 974 |
| Efficiency ratio | 62.3055% | 3,076 |
| Assets per employee ($millions) | 5.6161% | 2,724 |
| Cash dividends to net income (ytd only)* | 48.6072% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 1,386 |
| Loan loss allowance to noncurrent loans | 136.4558% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.6189% | 1,704 |
| Noncurrent loans to loans | 1.1464% | 1,240 |
| Net loans and leases to total assets | 51.2494% | 3,727 |
| Net loans and leases to deposits | 62.9699% | 3,522 |
| Net loans and leases to core deposits | 68.0821% | 3,410 |
| Total domestic deposits to total assets | 81.3872% | 3,788 |
| Equity capital to assets | 9.4367% | 3,673 |
| Core capital (leverage) ratio | 9.2466% | 3,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6719% | 1,112 |
| Memoranda: | ||
| Average total assets | $245,269,800 | 2,610 |
| Average earning assets | $233,333,200 | 2,576 |
| Average equity | $25,899,000 | 2,746 |
| Average total loans | $139,881,400 | 2,754 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0411% | 2,856 |
| Cost of funding earning assets | 0.6346% | 2,408 |
| Net interest margin | 3.4065% | 2,896 |
| Noninterest income to average assets | 0.5968% | 2,191 |
| Noninterest expense to average assets | 2.4039% | 3,121 |
| Loan and lease loss provision to assets | 0.2086% | 1,927 |
| Net operating income to assets | 0.9837% | 2,395 |
| Return on assets (ROA) | 1.0079% | 2,441 |
| Pretax return on assets | 1.2505% | 2,221 |
| Return on Equity (ROE) | 9.2532% | 2,301 |
| Retained earnings to average equity (ytd only) | 7.8914% | 1,340 |
| Net charge-offs to loans | 0.0202% | 2,450 |
| Credit loss provision to net charge-offs | 1,761.9048% | 536 |
| Earnings coverage of net charge-offs (x) | 120.6667% | 693 |
| Efficiency ratio | 62.7134% | 2,954 |
| Assets per employee ($millions) | 5.3913% | 2,803 |
| Cash dividends to net income (ytd only)* | 14.7174% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6020% | 1,097 |
| Loan loss allowance to noncurrent loans | 169.8042% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.5156% | 2,146 |
| Noncurrent loans to loans | 0.9434% | 1,595 |
| Net loans and leases to total assets | 51.3826% | 4,009 |
| Net loans and leases to deposits | 63.6240% | 3,821 |
| Net loans and leases to core deposits | 68.9173% | 3,700 |
| Total domestic deposits to total assets | 80.7598% | 3,706 |
| Equity capital to assets | 9.8937% | 3,342 |
| Core capital (leverage) ratio | 9.6188% | 3,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6863% | 950 |
| Memoranda: | ||
| Average total assets | $236,385,500 | 2,660 |
| Average earning assets | $224,584,250 | 2,615 |
| Average equity | $25,749,000 | 2,748 |
| Average total loans | $138,302,000 | 2,774 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3133% | 2,440 |
| Cost of funding earning assets | 0.6807% | 2,496 |
| Net interest margin | 3.6327% | 2,368 |
| Noninterest income to average assets | 0.6364% | 1,989 |
| Noninterest expense to average assets | 2.5394% | 2,857 |
| Loan and lease loss provision to assets | 0.2485% | 1,692 |
| Net operating income to assets | 1.0421% | 2,180 |
| Return on assets (ROA) | 1.0802% | 2,156 |
| Pretax return on assets | 1.3394% | 1,908 |
| Return on Equity (ROE) | 9.5669% | 2,120 |
| Retained earnings to average equity (ytd only) | 7.4994% | 1,464 |
| Net charge-offs to loans | 0.0233% | 2,251 |
| Credit loss provision to net charge-offs | 1,750.0000% | 539 |
| Earnings coverage of net charge-offs (x) | 108.5000% | 665 |
| Efficiency ratio | 62.2362% | 3,084 |
| Assets per employee ($millions) | 5.0562% | 3,103 |
| Cash dividends to net income (ytd only)* | 21.6105% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5867% | 1,036 |
| Loan loss allowance to noncurrent loans | 161.5786% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.5344% | 2,218 |
| Noncurrent loans to loans | 0.9820% | 1,582 |
| Net loans and leases to total assets | 51.1899% | 4,081 |
| Net loans and leases to deposits | 58.3093% | 4,205 |
| Net loans and leases to core deposits | 59.9377% | 4,265 |
| Total domestic deposits to total assets | 87.7903% | 1,290 |
| Equity capital to assets | 9.9474% | 3,258 |
| Core capital (leverage) ratio | 10.5899% | 2,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7424% | 944 |
| Memoranda: | ||
| Average total assets | $225,325,333 | 2,718 |
| Average earning assets | $213,618,000 | 2,679 |
| Average equity | $25,442,000 | 2,752 |
| Average total loans | $137,481,000 | 2,777 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8432% | 1,324 |
| Cost of funding earning assets | 0.7661% | 2,571 |
| Net interest margin | 4.0771% | 1,188 |
| Noninterest income to average assets | 0.7805% | 1,367 |
| Noninterest expense to average assets | 2.8355% | 2,322 |
| Loan and lease loss provision to assets | 0.2905% | 1,067 |
| Net operating income to assets | 1.2105% | 1,482 |
| Return on assets (ROA) | 1.2105% | 1,596 |
| Pretax return on assets | 1.4991% | 1,307 |
| Return on Equity (ROE) | 9.9657% | 1,755 |
| Retained earnings to average equity (ytd only) | 9.9657% | 750 |
| Net charge-offs to loans | -0.0348% | 4,522 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3065% | 3,576 |
| Assets per employee ($millions) | 4.2384% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4986% | 1,351 |
| Loan loss allowance to noncurrent loans | 143.4119% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.7087% | 1,894 |
| Noncurrent loans to loans | 1.0450% | 1,594 |
| Net loans and leases to total assets | 62.8815% | 3,204 |
| Net loans and leases to deposits | 73.5516% | 3,318 |
| Net loans and leases to core deposits | 75.9942% | 3,493 |
| Total domestic deposits to total assets | 85.4931% | 2,213 |
| Equity capital to assets | 11.8131% | 2,207 |
| Core capital (leverage) ratio | 12.1216% | 1,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0490% | 979 |
| Memoranda: | ||
| Average total assets | $206,526,500 | 2,819 |
| Average earning assets | $194,747,000 | 2,788 |
| Average equity | $25,086,000 | 2,771 |
| Average total loans | $137,841,500 | 2,743 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1743% | 1,056 |
| Cost of funding earning assets | 0.7202% | 3,070 |
| Net interest margin | 4.4541% | 789 |
| Noninterest income to average assets | 0.7304% | 1,704 |
| Noninterest expense to average assets | 2.9147% | 2,248 |
| Loan and lease loss provision to assets | 0.2374% | 800 |
| Net operating income to assets | 1.4297% | 1,242 |
| Return on assets (ROA) | 1.4297% | 1,308 |
| Pretax return on assets | 1.7632% | 1,037 |
| Return on Equity (ROE) | 11.5281% | 1,681 |
| Retained earnings to average equity (ytd only) | 4.6612% | 2,612 |
| Net charge-offs to loans | 0.1571% | 1,280 |
| Credit loss provision to net charge-offs | 214.9533% | 1,228 |
| Earnings coverage of net charge-offs (x) | 18.1121% | 2,075 |
| Efficiency ratio | 59.2985% | 3,794 |
| Assets per employee ($millions) | 3.7864% | 4,163 |
| Cash dividends to net income (ytd only)* | 59.5668% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3843% | 1,577 |
| Loan loss allowance to noncurrent loans | 141.9211% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.7278% | 1,781 |
| Noncurrent loans to loans | 0.9754% | 1,566 |
| Net loans and leases to total assets | 68.9635% | 2,544 |
| Net loans and leases to deposits | 81.5996% | 2,604 |
| Net loans and leases to core deposits | 84.0597% | 2,945 |
| Total domestic deposits to total assets | 84.5145% | 2,677 |
| Equity capital to assets | 12.5128% | 1,808 |
| Core capital (leverage) ratio | 12.2020% | 1,656 |
| Tier 1 risk-based capital ratio | 17.7333% | 1,831 |
| Total risk-based capital ratio | 18.9848% | 1,783 |
| Memoranda: | ||
| Average total assets | $193,742,200 | 2,889 |
| Average earning assets | $182,033,000 | 2,866 |
| Average equity | $24,028,200 | 2,794 |
| Average total loans | $136,206,000 | 2,764 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1656% | 1,117 |
| Cost of funding earning assets | 0.7086% | 3,168 |
| Net interest margin | 4.4570% | 843 |
| Noninterest income to average assets | 0.7117% | 1,734 |
| Noninterest expense to average assets | 2.9229% | 2,189 |
| Loan and lease loss provision to assets | 0.2142% | 804 |
| Net operating income to assets | 1.4186% | 1,414 |
| Return on assets (ROA) | 1.4186% | 1,473 |
| Pretax return on assets | 1.7558% | 1,191 |
| Return on Equity (ROE) | 11.4645% | 1,815 |
| Retained earnings to average equity (ytd only) | 5.8802% | 2,428 |
| Net charge-offs to loans | 0.1050% | 1,421 |
| Credit loss provision to net charge-offs | 289.7196% | 969 |
| Earnings coverage of net charge-offs (x) | 26.6455% | 1,732 |
| Efficiency ratio | 59.7373% | 3,691 |
| Assets per employee ($millions) | 3.6983% | 4,277 |
| Cash dividends to net income (ytd only)* | 48.7093% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 1,701 |
| Loan loss allowance to noncurrent loans | 124.0346% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.8699% | 1,576 |
| Noncurrent loans to loans | 1.1014% | 1,444 |
| Net loans and leases to total assets | 68.6246% | 2,688 |
| Net loans and leases to deposits | 81.4981% | 2,745 |
| Net loans and leases to core deposits | 83.9361% | 3,095 |
| Total domestic deposits to total assets | 84.2039% | 2,749 |
| Equity capital to assets | 12.5601% | 1,868 |
| Core capital (leverage) ratio | 12.2996% | 1,680 |
| Tier 1 risk-based capital ratio | 17.9716% | 1,829 |
| Total risk-based capital ratio | 19.2228% | 1,775 |
| Memoranda: | ||
| Average total assets | $192,954,250 | 2,918 |
| Average earning assets | $181,014,750 | 2,894 |
| Average equity | $23,876,000 | 2,817 |
| Average total loans | $135,834,750 | 2,796 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0991% | 1,222 |
| Cost of funding earning assets | 0.6904% | 3,220 |
| Net interest margin | 4.4087% | 927 |
| Noninterest income to average assets | 0.7680% | 1,446 |
| Noninterest expense to average assets | 2.8926% | 2,298 |
| Loan and lease loss provision to assets | 0.1876% | 947 |
| Net operating income to assets | 1.4765% | 1,212 |
| Return on assets (ROA) | 1.4765% | 1,265 |
| Pretax return on assets | 1.8267% | 976 |
| Return on Equity (ROE) | 11.9941% | 1,579 |
| Retained earnings to average equity (ytd only) | 3.5297% | 3,479 |
| Net charge-offs to loans | -0.0059% | 4,174 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9509% | 3,872 |
| Assets per employee ($millions) | 3.7454% | 4,191 |
| Cash dividends to net income (ytd only)* | 70.5716% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 1,830 |
| Loan loss allowance to noncurrent loans | 90.4809% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.1404% | 1,181 |
| Noncurrent loans to loans | 1.4868% | 1,039 |
| Net loans and leases to total assets | 69.4333% | 2,609 |
| Net loans and leases to deposits | 82.1996% | 2,708 |
| Net loans and leases to core deposits | 84.5192% | 3,070 |
| Total domestic deposits to total assets | 84.4692% | 2,696 |
| Equity capital to assets | 12.2771% | 2,001 |
| Core capital (leverage) ratio | 12.1846% | 1,708 |
| Tier 1 risk-based capital ratio | 17.4202% | 1,962 |
| Total risk-based capital ratio | 18.6714% | 1,919 |
| Memoranda: | ||
| Average total assets | $191,935,670 | 2,941 |
| Average earning assets | $180,188,000 | 2,917 |
| Average equity | $23,628,330 | 2,829 |
| Average total loans | $135,655,000 | 2,809 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0210% | 1,286 |
| Cost of funding earning assets | 0.6735% | 3,185 |
| Net interest margin | 4.3475% | 1,013 |
| Noninterest income to average assets | 0.7495% | 1,432 |
| Noninterest expense to average assets | 2.7755% | 2,660 |
| Loan and lease loss provision to assets | 0.1890% | 868 |
| Net operating income to assets | 1.5095% | 1,090 |
| Return on assets (ROA) | 1.5095% | 1,118 |
| Pretax return on assets | 1.8643% | 853 |
| Return on Equity (ROE) | 12.2451% | 1,452 |
| Retained earnings to average equity (ytd only) | 12.2451% | 568 |
| Net charge-offs to loans | 0.0178% | 2,116 |
| Credit loss provision to net charge-offs | 1,500.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 163.0000% | 468 |
| Efficiency ratio | 57.4783% | 4,148 |
| Assets per employee ($millions) | 3.7926% | 4,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 2,148 |
| Loan loss allowance to noncurrent loans | 79.4895% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.2697% | 1,042 |
| Noncurrent loans to loans | 1.6205% | 974 |
| Net loans and leases to total assets | 69.0940% | 2,611 |
| Net loans and leases to deposits | 81.9682% | 2,611 |
| Net loans and leases to core deposits | 84.2936% | 2,999 |
| Total domestic deposits to total assets | 84.2937% | 2,952 |
| Equity capital to assets | 12.4002% | 1,802 |
| Core capital (leverage) ratio | 12.6589% | 1,430 |
| Tier 1 risk-based capital ratio | 17.8057% | 1,852 |
| Total risk-based capital ratio | 19.0559% | 1,808 |
| Memoranda: | ||
| Average total assets | $190,523,000 | 2,991 |
| Average earning assets | $178,767,500 | 2,962 |
| Average equity | $23,487,000 | 2,841 |
| Average total loans | $134,946,000 | 2,848 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9285% | 1,207 |
| Cost of funding earning assets | 0.5782% | 2,869 |
| Net interest margin | 4.3503% | 1,035 |
| Noninterest income to average assets | 0.6868% | 1,900 |
| Noninterest expense to average assets | 2.9681% | 2,142 |
| Loan and lease loss provision to assets | 0.1986% | 955 |
| Net operating income to assets | 1.3278% | 1,688 |
| Return on assets (ROA) | 1.3278% | 1,680 |
| Pretax return on assets | 1.5918% | 1,495 |
| Return on Equity (ROE) | 10.6726% | 2,219 |
| Retained earnings to average equity (ytd only) | 3.9902% | 3,378 |
| Net charge-offs to loans | 0.1536% | 1,251 |
| Credit loss provision to net charge-offs | 179.3103% | 1,579 |
| Earnings coverage of net charge-offs (x) | 16.1675% | 2,265 |
| Efficiency ratio | 62.3753% | 3,459 |
| Assets per employee ($millions) | 3.6788% | 4,352 |
| Cash dividends to net income (ytd only)* | 62.6130% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 2,385 |
| Loan loss allowance to noncurrent loans | 72.6159% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.3501% | 926 |
| Noncurrent loans to loans | 1.6996% | 850 |
| Net loans and leases to total assets | 70.8039% | 2,442 |
| Net loans and leases to deposits | 83.9854% | 2,514 |
| Net loans and leases to core deposits | 86.4346% | 2,879 |
| Total domestic deposits to total assets | 84.3051% | 2,908 |
| Equity capital to assets | 12.2529% | 1,723 |
| Core capital (leverage) ratio | 12.5143% | 1,450 |
| Tier 1 risk-based capital ratio | 17.4631% | 1,906 |
| Total risk-based capital ratio | 18.7054% | 1,867 |
| Memoranda: | ||
| Average total assets | $183,317,200 | 3,023 |
| Average earning assets | $171,574,200 | 3,005 |
| Average equity | $22,806,000 | 2,835 |
| Average total loans | $132,176,200 | 2,855 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8751% | 1,221 |
| Cost of funding earning assets | 0.5494% | 2,861 |
| Net interest margin | 4.3257% | 1,058 |
| Noninterest income to average assets | 0.8209% | 1,410 |
| Noninterest expense to average assets | 3.0077% | 1,999 |
| Loan and lease loss provision to assets | 0.1873% | 960 |
| Net operating income to assets | 1.3608% | 1,617 |
| Return on assets (ROA) | 1.3608% | 1,624 |
| Pretax return on assets | 1.6695% | 1,349 |
| Return on Equity (ROE) | 10.8959% | 2,217 |
| Retained earnings to average equity (ytd only) | 7.3694% | 1,945 |
| Net charge-offs to loans | 0.0780% | 1,740 |
| Credit loss provision to net charge-offs | 332.4675% | 949 |
| Earnings coverage of net charge-offs (x) | 32.9624% | 1,531 |
| Efficiency ratio | 61.8288% | 3,539 |
| Assets per employee ($millions) | 3.5866% | 4,452 |
| Cash dividends to net income (ytd only)* | 32.3657% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 2,292 |
| Loan loss allowance to noncurrent loans | 65.4191% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.5696% | 807 |
| Noncurrent loans to loans | 1.9315% | 780 |
| Net loans and leases to total assets | 71.6840% | 2,376 |
| Net loans and leases to deposits | 86.7956% | 2,282 |
| Net loans and leases to core deposits | 89.1302% | 2,736 |
| Total domestic deposits to total assets | 82.5895% | 3,437 |
| Equity capital to assets | 12.6352% | 1,501 |
| Core capital (leverage) ratio | 12.9236% | 1,314 |
| Tier 1 risk-based capital ratio | 17.8122% | 1,837 |
| Total risk-based capital ratio | 19.0621% | 1,800 |
| Memoranda: | ||
| Average total assets | $182,241,250 | 3,057 |
| Average earning assets | $170,358,500 | 3,049 |
| Average equity | $22,760,250 | 2,850 |
| Average total loans | $131,594,500 | 2,880 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8621% | 1,101 |
| Cost of funding earning assets | 0.5107% | 2,926 |
| Net interest margin | 4.3515% | 938 |
| Noninterest income to average assets | 0.8285% | 1,392 |
| Noninterest expense to average assets | 2.9701% | 2,136 |
| Loan and lease loss provision to assets | 0.1758% | 1,032 |
| Net operating income to assets | 1.4252% | 1,352 |
| Return on assets (ROA) | 1.4252% | 1,353 |
| Pretax return on assets | 1.7460% | 1,103 |
| Return on Equity (ROE) | 11.4561% | 1,925 |
| Retained earnings to average equity (ytd only) | 9.4599% | 1,083 |
| Net charge-offs to loans | 0.0381% | 2,090 |
| Credit loss provision to net charge-offs | 640.0000% | 600 |
| Earnings coverage of net charge-offs (x) | 69.9600% | 911 |
| Efficiency ratio | 60.7143% | 3,811 |
| Assets per employee ($millions) | 3.5639% | 4,511 |
| Cash dividends to net income (ytd only)* | 17.4248% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 2,548 |
| Loan loss allowance to noncurrent loans | 63.7037% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.6704% | 741 |
| Noncurrent loans to loans | 1.9329% | 792 |
| Net loans and leases to total assets | 72.1100% | 2,256 |
| Net loans and leases to deposits | 87.0303% | 2,216 |
| Net loans and leases to core deposits | 90.3411% | 2,546 |
| Total domestic deposits to total assets | 82.8562% | 3,452 |
| Equity capital to assets | 12.6741% | 1,454 |
| Core capital (leverage) ratio | 12.9542% | 1,238 |
| Tier 1 risk-based capital ratio | 17.7426% | 1,876 |
| Total risk-based capital ratio | 18.9764% | 1,835 |
| Memoranda: | ||
| Average total assets | $182,015,670 | 3,075 |
| Average earning assets | $169,966,000 | 3,063 |
| Average equity | $22,643,000 | 2,873 |
| Average total loans | $131,192,330 | 2,896 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7749% | 1,134 |
| Cost of funding earning assets | 0.5130% | 2,701 |
| Net interest margin | 4.2618% | 1,019 |
| Noninterest income to average assets | 0.8806% | 1,202 |
| Noninterest expense to average assets | 2.9361% | 2,239 |
| Loan and lease loss provision to assets | 0.1713% | 1,026 |
| Net operating income to assets | 1.4274% | 1,258 |
| Return on assets (ROA) | 1.4274% | 1,269 |
| Pretax return on assets | 1.7503% | 1,004 |
| Return on Equity (ROE) | 11.5831% | 1,729 |
| Retained earnings to average equity (ytd only) | 11.5831% | 772 |
| Net charge-offs to loans | -0.0153% | 4,429 |
| Credit loss provision to net charge-offs | -1,560.0000% | 4,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4430% | 4,010 |
| Assets per employee ($millions) | 3.6677% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 2,739 |
| Loan loss allowance to noncurrent loans | 58.0337% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 1.6763% | 775 |
| Noncurrent loans to loans | 2.0876% | 746 |
| Net loans and leases to total assets | 70.3429% | 2,421 |
| Net loans and leases to deposits | 83.1139% | 2,488 |
| Net loans and leases to core deposits | 85.8938% | 2,812 |
| Total domestic deposits to total assets | 84.6343% | 3,061 |
| Equity capital to assets | 12.3414% | 1,580 |
| Core capital (leverage) ratio | 12.6490% | 1,319 |
| Tier 1 risk-based capital ratio | 17.3063% | 2,034 |
| Total risk-based capital ratio | 18.4927% | 1,999 |
| Memoranda: | ||
| Average total assets | $182,145,000 | 3,109 |
| Average earning assets | $169,973,500 | 3,098 |
| Average equity | $22,446,500 | 2,915 |
| Average total loans | $130,439,000 | 2,928 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6921% | 1,217 |
| Cost of funding earning assets | 0.5133% | 2,224 |
| Net interest margin | 4.1787% | 1,232 |
| Noninterest income to average assets | 0.8249% | 1,482 |
| Noninterest expense to average assets | 2.9710% | 2,243 |
| Loan and lease loss provision to assets | 0.1822% | 1,173 |
| Net operating income to assets | 1.1823% | 1,575 |
| Return on assets (ROA) | 1.1843% | 1,587 |
| Pretax return on assets | 1.5802% | 1,347 |
| Return on Equity (ROE) | 9.6940% | 2,015 |
| Retained earnings to average equity (ytd only) | 4.5058% | 2,449 |
| Net charge-offs to loans | 0.2130% | 1,218 |
| Credit loss provision to net charge-offs | 120.8791% | 2,160 |
| Earnings coverage of net charge-offs (x) | 11.6740% | 2,543 |
| Efficiency ratio | 62.8035% | 3,810 |
| Assets per employee ($millions) | 3.5472% | 4,639 |
| Cash dividends to net income (ytd only)* | 53.5198% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 3,064 |
| Loan loss allowance to noncurrent loans | 63.7059% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 1.3897% | 1,016 |
| Noncurrent loans to loans | 1.8058% | 886 |
| Net loans and leases to total assets | 71.1968% | 2,353 |
| Net loans and leases to deposits | 86.6529% | 2,178 |
| Net loans and leases to core deposits | 89.8293% | 2,581 |
| Total domestic deposits to total assets | 82.1632% | 3,827 |
| Equity capital to assets | 12.3052% | 1,635 |
| Core capital (leverage) ratio | 12.4120% | 1,397 |
| Tier 1 risk-based capital ratio | 16.8723% | 2,136 |
| Total risk-based capital ratio | 18.0001% | 2,125 |
| Memoranda: | ||
| Average total assets | $181,114,800 | 3,099 |
| Average earning assets | $169,285,600 | 3,087 |
| Average equity | $22,127,200 | 2,944 |
| Average total loans | $128,186,400 | 2,939 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6363% | 1,281 |
| Cost of funding earning assets | 0.5102% | 2,187 |
| Net interest margin | 4.1261% | 1,324 |
| Noninterest income to average assets | 0.8066% | 1,562 |
| Noninterest expense to average assets | 2.8636% | 2,526 |
| Loan and lease loss provision to assets | 0.2429% | 721 |
| Net operating income to assets | 1.1116% | 2,036 |
| Return on assets (ROA) | 1.1142% | 2,085 |
| Pretax return on assets | 1.5668% | 1,523 |
| Return on Equity (ROE) | 9.1366% | 2,529 |
| Retained earnings to average equity (ytd only) | 7.7727% | 1,311 |
| Net charge-offs to loans | 0.1598% | 1,283 |
| Credit loss provision to net charge-offs | 215.6863% | 1,275 |
| Earnings coverage of net charge-offs (x) | 16.0396% | 2,192 |
| Efficiency ratio | 61.3239% | 3,993 |
| Assets per employee ($millions) | 3.5400% | 4,666 |
| Cash dividends to net income (ytd only)* | 14.9275% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2415% | 2,685 |
| Loan loss allowance to noncurrent loans | 66.7629% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.4324% | 1,077 |
| Noncurrent loans to loans | 1.8596% | 939 |
| Net loans and leases to total assets | 71.3325% | 2,354 |
| Net loans and leases to deposits | 87.0938% | 2,171 |
| Net loans and leases to core deposits | 89.6449% | 2,640 |
| Total domestic deposits to total assets | 81.9031% | 3,808 |
| Equity capital to assets | 12.6482% | 1,579 |
| Core capital (leverage) ratio | 12.5755% | 1,388 |
| Tier 1 risk-based capital ratio | 17.1543% | 2,115 |
| Total risk-based capital ratio | 18.3768% | 2,080 |
| Memoranda: | ||
| Average total assets | $181,166,750 | 3,125 |
| Average earning assets | $169,613,250 | 3,105 |
| Average equity | $22,093,750 | 2,965 |
| Average total loans | $127,658,250 | 2,970 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5856% | 1,282 |
| Cost of funding earning assets | 0.5019% | 2,148 |
| Net interest margin | 4.0837% | 1,370 |
| Noninterest income to average assets | 0.7686% | 1,693 |
| Noninterest expense to average assets | 2.8350% | 2,638 |
| Loan and lease loss provision to assets | 0.2646% | 621 |
| Net operating income to assets | 1.0664% | 2,135 |
| Return on assets (ROA) | 1.0696% | 2,169 |
| Pretax return on assets | 1.4952% | 1,657 |
| Return on Equity (ROE) | 8.8801% | 2,563 |
| Retained earnings to average equity (ytd only) | 6.8111% | 1,683 |
| Net charge-offs to loans | 0.2178% | 940 |
| Credit loss provision to net charge-offs | 173.9130% | 1,384 |
| Earnings coverage of net charge-offs (x) | 11.5362% | 2,268 |
| Efficiency ratio | 61.7583% | 4,038 |
| Assets per employee ($millions) | 3.5707% | 4,622 |
| Cash dividends to net income (ytd only)* | 23.2990% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 3,014 |
| Loan loss allowance to noncurrent loans | 51.8817% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 1.7605% | 798 |
| Noncurrent loans to loans | 2.3146% | 684 |
| Net loans and leases to total assets | 69.7577% | 2,557 |
| Net loans and leases to deposits | 83.9954% | 2,477 |
| Net loans and leases to core deposits | 86.3988% | 2,840 |
| Total domestic deposits to total assets | 83.0494% | 3,550 |
| Equity capital to assets | 12.2659% | 1,750 |
| Core capital (leverage) ratio | 12.1492% | 1,556 |
| Tier 1 risk-based capital ratio | 17.1506% | 2,117 |
| Total risk-based capital ratio | 18.3449% | 2,078 |
| Memoranda: | ||
| Average total assets | $181,376,000 | 3,141 |
| Average earning assets | $169,748,670 | 3,115 |
| Average equity | $21,846,670 | 2,990 |
| Average total loans | $126,743,670 | 2,992 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5024% | 1,367 |
| Cost of funding earning assets | 0.5013% | 2,077 |
| Net interest margin | 4.0011% | 1,474 |
| Noninterest income to average assets | 0.7845% | 1,610 |
| Noninterest expense to average assets | 2.8131% | 2,743 |
| Loan and lease loss provision to assets | 0.2652% | 553 |
| Net operating income to assets | 1.0389% | 2,121 |
| Return on assets (ROA) | 1.0452% | 2,143 |
| Pretax return on assets | 1.4541% | 1,685 |
| Return on Equity (ROE) | 8.7587% | 2,536 |
| Retained earnings to average equity (ytd only) | 8.7587% | 1,162 |
| Net charge-offs to loans | 0.2289% | 786 |
| Credit loss provision to net charge-offs | 166.6667% | 1,134 |
| Earnings coverage of net charge-offs (x) | 10.7500% | 1,920 |
| Efficiency ratio | 62.1886% | 4,123 |
| Assets per employee ($millions) | 3.6538% | 4,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 3,233 |
| Loan loss allowance to noncurrent loans | 48.2513% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 1.9525% | 684 |
| Noncurrent loans to loans | 2.4523% | 642 |
| Net loans and leases to total assets | 68.1119% | 2,663 |
| Net loans and leases to deposits | 80.2074% | 2,723 |
| Net loans and leases to core deposits | 82.4371% | 3,050 |
| Total domestic deposits to total assets | 84.9197% | 3,120 |
| Equity capital to assets | 11.9952% | 1,852 |
| Core capital (leverage) ratio | 12.1598% | 1,527 |
| Tier 1 risk-based capital ratio | 17.0816% | 2,161 |
| Total risk-based capital ratio | 18.2436% | 2,138 |
| Memoranda: | ||
| Average total assets | $181,011,000 | 3,177 |
| Average earning assets | $169,155,000 | 3,141 |
| Average equity | $21,601,500 | 3,020 |
| Average total loans | $125,827,000 | 3,027 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4910% | 1,560 |
| Cost of funding earning assets | 0.4936% | 2,138 |
| Net interest margin | 3.9974% | 1,635 |
| Noninterest income to average assets | 0.7973% | 1,751 |
| Noninterest expense to average assets | 2.9805% | 2,408 |
| Loan and lease loss provision to assets | 0.4205% | 356 |
| Net operating income to assets | 0.8265% | 3,177 |
| Return on assets (ROA) | 0.8359% | 3,235 |
| Pretax return on assets | 1.1415% | 2,931 |
| Return on Equity (ROE) | 6.8632% | 3,538 |
| Retained earnings to average equity (ytd only) | 1.6663% | 4,581 |
| Net charge-offs to loans | 0.5874% | 392 |
| Credit loss provision to net charge-offs | 104.1667% | 2,486 |
| Earnings coverage of net charge-offs (x) | 3.8375% | 3,601 |
| Efficiency ratio | 65.8002% | 3,624 |
| Assets per employee ($millions) | 3.5163% | 4,740 |
| Cash dividends to net income (ytd only)* | 75.7210% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 3,450 |
| Loan loss allowance to noncurrent loans | 44.8523% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 2.0476% | 661 |
| Noncurrent loans to loans | 2.5570% | 607 |
| Net loans and leases to total assets | 69.3063% | 2,580 |
| Net loans and leases to deposits | 81.6493% | 2,708 |
| Net loans and leases to core deposits | 83.9541% | 3,031 |
| Total domestic deposits to total assets | 84.8829% | 3,100 |
| Equity capital to assets | 11.8712% | 1,897 |
| Core capital (leverage) ratio | 12.1563% | 1,506 |
| Tier 1 risk-based capital ratio | 16.7409% | 2,256 |
| Total risk-based capital ratio | 17.8674% | 2,243 |
| Memoranda: | ||
| Average total assets | $178,360,600 | 3,185 |
| Average earning assets | $166,534,200 | 3,155 |
| Average equity | $21,724,600 | 3,004 |
| Average total loans | $122,571,400 | 3,031 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4841% | 1,594 |
| Cost of funding earning assets | 0.4913% | 2,160 |
| Net interest margin | 3.9928% | 1,682 |
| Noninterest income to average assets | 0.7890% | 1,809 |
| Noninterest expense to average assets | 2.9538% | 2,450 |
| Loan and lease loss provision to assets | 0.4716% | 274 |
| Net operating income to assets | 0.8197% | 3,281 |
| Return on assets (ROA) | 0.8197% | 3,417 |
| Pretax return on assets | 1.0929% | 3,261 |
| Return on Equity (ROE) | 6.6868% | 3,733 |
| Retained earnings to average equity (ytd only) | 5.3067% | 2,620 |
| Net charge-offs to loans | 0.6766% | 283 |
| Credit loss provision to net charge-offs | 101.9417% | 2,312 |
| Earnings coverage of net charge-offs (x) | 3.3819% | 3,426 |
| Efficiency ratio | 65.3744% | 3,694 |
| Assets per employee ($millions) | 3.4525% | 4,837 |
| Cash dividends to net income (ytd only)* | 20.6396% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 3,535 |
| Loan loss allowance to noncurrent loans | 48.2058% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 1.9333% | 820 |
| Noncurrent loans to loans | 2.3873% | 761 |
| Net loans and leases to total assets | 69.4664% | 2,576 |
| Net loans and leases to deposits | 81.3262% | 2,815 |
| Net loans and leases to core deposits | 83.6437% | 3,161 |
| Total domestic deposits to total assets | 85.4170% | 2,637 |
| Equity capital to assets | 12.6764% | 1,665 |
| Core capital (leverage) ratio | 12.5895% | 1,364 |
| Tier 1 risk-based capital ratio | 17.5041% | 2,078 |
| Total risk-based capital ratio | 18.6403% | 2,066 |
| Memoranda: | ||
| Average total assets | $178,117,500 | 3,198 |
| Average earning assets | $166,361,000 | 3,176 |
| Average equity | $21,833,500 | 3,024 |
| Average total loans | $121,781,500 | 3,041 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4667% | 1,620 |
| Cost of funding earning assets | 0.4898% | 2,189 |
| Net interest margin | 3.9769% | 1,715 |
| Noninterest income to average assets | 0.7539% | 1,915 |
| Noninterest expense to average assets | 2.8580% | 2,815 |
| Loan and lease loss provision to assets | 0.5761% | 198 |
| Net operating income to assets | 0.7819% | 3,393 |
| Return on assets (ROA) | 0.7819% | 3,537 |
| Pretax return on assets | 1.0347% | 3,460 |
| Return on Equity (ROE) | 6.4509% | 3,825 |
| Retained earnings to average equity (ytd only) | 4.3652% | 3,139 |
| Net charge-offs to loans | 0.8718% | 224 |
| Credit loss provision to net charge-offs | 97.5379% | 2,157 |
| Earnings coverage of net charge-offs (x) | 2.7273% | 3,222 |
| Efficiency ratio | 63.9549% | 4,026 |
| Assets per employee ($millions) | 3.5663% | 4,655 |
| Cash dividends to net income (ytd only)* | 32.3319% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 3,578 |
| Loan loss allowance to noncurrent loans | 44.9261% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 2.1148% | 755 |
| Noncurrent loans to loans | 2.5838% | 655 |
| Net loans and leases to total assets | 66.8039% | 2,963 |
| Net loans and leases to deposits | 78.9735% | 3,060 |
| Net loans and leases to core deposits | 81.0569% | 3,361 |
| Total domestic deposits to total assets | 84.5903% | 3,052 |
| Equity capital to assets | 12.3444% | 1,872 |
| Core capital (leverage) ratio | 11.9320% | 1,680 |
| Tier 1 risk-based capital ratio | 17.1835% | 2,158 |
| Total risk-based capital ratio | 18.2995% | 2,160 |
| Memoranda: | ||
| Average total assets | $178,798,330 | 3,204 |
| Average earning assets | $167,013,670 | 3,182 |
| Average equity | $21,671,330 | 3,042 |
| Average total loans | $121,129,670 | 3,059 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4274% | 1,718 |
| Cost of funding earning assets | 0.4853% | 2,228 |
| Net interest margin | 3.9421% | 1,807 |
| Noninterest income to average assets | 0.7417% | 1,849 |
| Noninterest expense to average assets | 2.7793% | 3,148 |
| Loan and lease loss provision to assets | 0.9160% | 107 |
| Net operating income to assets | 0.5831% | 4,259 |
| Return on assets (ROA) | 0.5831% | 4,376 |
| Pretax return on assets | 0.7306% | 4,416 |
| Return on Equity (ROE) | 4.8556% | 4,552 |
| Retained earnings to average equity (ytd only) | 4.8556% | 3,030 |
| Net charge-offs to loans | 1.4823% | 123 |
| Credit loss provision to net charge-offs | 91.1111% | 1,757 |
| Earnings coverage of net charge-offs (x) | 1.6378% | 2,788 |
| Efficiency ratio | 62.7966% | 4,326 |
| Assets per employee ($millions) | 3.7017% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 3,836 |
| Loan loss allowance to noncurrent loans | 44.6906% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 1.9026% | 939 |
| Noncurrent loans to loans | 2.5507% | 723 |
| Net loans and leases to total assets | 65.5993% | 3,010 |
| Net loans and leases to deposits | 77.0016% | 3,109 |
| Net loans and leases to core deposits | 78.8483% | 3,418 |
| Total domestic deposits to total assets | 85.1921% | 3,042 |
| Equity capital to assets | 11.9267% | 2,075 |
| Core capital (leverage) ratio | 11.9968% | 1,607 |
| Tier 1 risk-based capital ratio | 16.8468% | 2,348 |
| Total risk-based capital ratio | 17.9305% | 2,354 |
| Memoranda: | ||
| Average total assets | $179,039,500 | 3,214 |
| Average earning assets | $167,322,500 | 3,181 |
| Average equity | $21,501,000 | 3,066 |
| Average total loans | $121,434,000 | 3,062 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7140% | 1,076 |
| Cost of funding earning assets | 0.5361% | 1,876 |
| Net interest margin | 4.1779% | 1,215 |
| Noninterest income to average assets | 0.7786% | 1,869 |
| Noninterest expense to average assets | 3.0221% | 2,472 |
| Loan and lease loss provision to assets | 0.3550% | 411 |
| Net operating income to assets | 0.9561% | 2,591 |
| Return on assets (ROA) | 0.9561% | 2,666 |
| Pretax return on assets | 1.2703% | 2,400 |
| Return on Equity (ROE) | 7.5473% | 3,223 |
| Retained earnings to average equity (ytd only) | 2.2745% | 4,429 |
| Net charge-offs to loans | 0.4783% | 564 |
| Credit loss provision to net charge-offs | 103.4483% | 2,425 |
| Earnings coverage of net charge-offs (x) | 4.7362% | 3,497 |
| Efficiency ratio | 65.0286% | 4,077 |
| Assets per employee ($millions) | 3.5339% | 4,763 |
| Cash dividends to net income (ytd only)* | 69.8639% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 3,739 |
| Loan loss allowance to noncurrent loans | 36.0572% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 2.3922% | 661 |
| Noncurrent loans to loans | 3.1965% | 476 |
| Net loans and leases to total assets | 68.5347% | 2,620 |
| Net loans and leases to deposits | 80.7202% | 2,740 |
| Net loans and leases to core deposits | 82.7082% | 3,077 |
| Total domestic deposits to total assets | 84.9040% | 3,137 |
| Equity capital to assets | 12.0937% | 1,885 |
| Core capital (leverage) ratio | 12.0833% | 1,572 |
| Tier 1 risk-based capital ratio | 16.5694% | 2,444 |
| Total risk-based capital ratio | 17.6800% | 2,471 |
| Memoranda: | ||
| Average total assets | $169,020,600 | 3,320 |
| Average earning assets | $156,512,400 | 3,306 |
| Average equity | $21,411,600 | 3,034 |
| Average total loans | $121,255,800 | 3,033 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7643% | 994 |
| Cost of funding earning assets | 0.5491% | 1,812 |
| Net interest margin | 4.2151% | 1,133 |
| Noninterest income to average assets | 0.7660% | 1,952 |
| Noninterest expense to average assets | 3.0464% | 2,378 |
| Loan and lease loss provision to assets | 0.3870% | 320 |
| Net operating income to assets | 0.9303% | 2,801 |
| Return on assets (ROA) | 0.9303% | 2,891 |
| Pretax return on assets | 1.2280% | 2,701 |
| Return on Equity (ROE) | 7.2571% | 3,492 |
| Retained earnings to average equity (ytd only) | 5.8505% | 2,338 |
| Net charge-offs to loans | 0.3958% | 650 |
| Credit loss provision to net charge-offs | 135.0975% | 1,825 |
| Earnings coverage of net charge-offs (x) | 5.6379% | 3,176 |
| Efficiency ratio | 65.3543% | 3,999 |
| Assets per employee ($millions) | 3.4481% | 4,896 |
| Cash dividends to net income (ytd only)* | 19.3827% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 3,409 |
| Loan loss allowance to noncurrent loans | 40.1481% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 2.3410% | 769 |
| Noncurrent loans to loans | 3.0985% | 555 |
| Net loans and leases to total assets | 69.8990% | 2,400 |
| Net loans and leases to deposits | 83.4497% | 2,461 |
| Net loans and leases to core deposits | 85.5820% | 2,891 |
| Total domestic deposits to total assets | 83.7619% | 3,518 |
| Equity capital to assets | 12.6860% | 1,624 |
| Core capital (leverage) ratio | 12.7172% | 1,309 |
| Tier 1 risk-based capital ratio | 17.5291% | 2,178 |
| Total risk-based capital ratio | 18.7656% | 2,140 |
| Memoranda: | ||
| Average total assets | $167,101,750 | 3,380 |
| Average earning assets | $154,423,500 | 3,363 |
| Average equity | $21,422,250 | 3,055 |
| Average total loans | $120,942,250 | 3,060 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8251% | 850 |
| Cost of funding earning assets | 0.5662% | 1,674 |
| Net interest margin | 4.2589% | 998 |
| Noninterest income to average assets | 0.7125% | 2,167 |
| Noninterest expense to average assets | 3.0605% | 2,362 |
| Loan and lease loss provision to assets | 0.3569% | 364 |
| Net operating income to assets | 0.9375% | 2,703 |
| Return on assets (ROA) | 0.9375% | 2,819 |
| Pretax return on assets | 1.2351% | 2,626 |
| Return on Equity (ROE) | 7.2863% | 3,445 |
| Retained earnings to average equity (ytd only) | 5.1616% | 2,758 |
| Net charge-offs to loans | 0.4711% | 537 |
| Credit loss provision to net charge-offs | 103.8732% | 1,998 |
| Earnings coverage of net charge-offs (x) | 4.6338% | 3,017 |
| Efficiency ratio | 65.7826% | 4,049 |
| Assets per employee ($millions) | 3.4583% | 4,871 |
| Cash dividends to net income (ytd only)* | 29.1613% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 4,013 |
| Loan loss allowance to noncurrent loans | 51.4674% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 1.8922% | 1,196 |
| Noncurrent loans to loans | 2.2578% | 1,050 |
| Net loans and leases to total assets | 71.8894% | 2,004 |
| Net loans and leases to deposits | 84.9009% | 2,199 |
| Net loans and leases to core deposits | 86.5461% | 2,706 |
| Total domestic deposits to total assets | 84.6745% | 3,261 |
| Equity capital to assets | 12.9032% | 1,447 |
| Core capital (leverage) ratio | 12.6522% | 1,313 |
| Tier 1 risk-based capital ratio | 17.1249% | 2,359 |
| Total risk-based capital ratio | 18.2620% | 2,345 |
| Memoranda: | ||
| Average total assets | $165,334,670 | 3,414 |
| Average earning assets | $152,950,330 | 3,402 |
| Average equity | $21,272,670 | 3,085 |
| Average total loans | $120,581,000 | 3,076 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8020% | 858 |
| Cost of funding earning assets | 0.5944% | 1,473 |
| Net interest margin | 4.2076% | 1,043 |
| Noninterest income to average assets | 0.7200% | 2,070 |
| Noninterest expense to average assets | 3.0569% | 2,410 |
| Loan and lease loss provision to assets | 0.2667% | 595 |
| Net operating income to assets | 0.9770% | 2,352 |
| Return on assets (ROA) | 0.9770% | 2,489 |
| Pretax return on assets | 1.2921% | 2,316 |
| Return on Equity (ROE) | 7.6040% | 3,163 |
| Retained earnings to average equity (ytd only) | 7.6040% | 1,720 |
| Net charge-offs to loans | 0.3718% | 656 |
| Credit loss provision to net charge-offs | 98.2143% | 1,684 |
| Earnings coverage of net charge-offs (x) | 5.7411% | 2,360 |
| Efficiency ratio | 66.2290% | 4,118 |
| Assets per employee ($millions) | 3.3919% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 4,254 |
| Loan loss allowance to noncurrent loans | 54.5312% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 1.9308% | 1,249 |
| Noncurrent loans to loans | 2.1110% | 1,220 |
| Net loans and leases to total assets | 71.8134% | 1,837 |
| Net loans and leases to deposits | 84.8295% | 1,976 |
| Net loans and leases to core deposits | 86.8088% | 2,458 |
| Total domestic deposits to total assets | 84.6561% | 3,558 |
| Equity capital to assets | 12.8981% | 1,452 |
| Core capital (leverage) ratio | 12.8395% | 1,219 |
| Tier 1 risk-based capital ratio | 17.2774% | 2,386 |
| Total risk-based capital ratio | 18.4220% | 2,373 |
| Memoranda: | ||
| Average total assets | $165,003,000 | 3,445 |
| Average earning assets | $152,770,000 | 3,421 |
| Average equity | $21,199,500 | 3,119 |
| Average total loans | $120,502,500 | 3,093 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0006% | 775 |
| Cost of funding earning assets | 0.7683% | 769 |
| Net interest margin | 4.2322% | 1,210 |
| Noninterest income to average assets | 0.7323% | 2,156 |
| Noninterest expense to average assets | 3.1169% | 2,465 |
| Loan and lease loss provision to assets | 0.7686% | 162 |
| Net operating income to assets | 0.6512% | 4,132 |
| Return on assets (ROA) | 0.6512% | 4,241 |
| Pretax return on assets | 0.7588% | 4,408 |
| Return on Equity (ROE) | 4.9777% | 4,676 |
| Retained earnings to average equity (ytd only) | -0.3290% | 5,821 |
| Net charge-offs to loans | 1.0783% | 266 |
| Credit loss provision to net charge-offs | 96.6744% | 2,503 |
| Earnings coverage of net charge-offs (x) | 1.9211% | 4,306 |
| Efficiency ratio | 67.1124% | 4,039 |
| Assets per employee ($millions) | 3.3429% | 5,190 |
| Cash dividends to net income (ytd only)* | 106.6100% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 4,236 |
| Loan loss allowance to noncurrent loans | 48.1161% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 2.0958% | 1,182 |
| Noncurrent loans to loans | 2.4056% | 1,076 |
| Net loans and leases to total assets | 72.5670% | 1,815 |
| Net loans and leases to deposits | 85.7026% | 2,023 |
| Net loans and leases to core deposits | 87.4061% | 2,564 |
| Total domestic deposits to total assets | 84.6731% | 3,432 |
| Equity capital to assets | 12.7971% | 1,468 |
| Core capital (leverage) ratio | 12.5609% | 1,329 |
| Tier 1 risk-based capital ratio | 16.8957% | 2,553 |
| Total risk-based capital ratio | 18.0385% | 2,552 |
| Memoranda: | ||
| Average total assets | $162,630,400 | 3,458 |
| Average earning assets | $150,322,200 | 3,438 |
| Average equity | $21,275,000 | 3,020 |
| Average total loans | $119,913,400 | 3,045 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0077% | 760 |
| Cost of funding earning assets | 0.8069% | 664 |
| Net interest margin | 4.2008% | 1,290 |
| Noninterest income to average assets | 0.7203% | 2,224 |
| Noninterest expense to average assets | 3.0996% | 2,470 |
| Loan and lease loss provision to assets | 0.4928% | 306 |
| Net operating income to assets | 0.8000% | 3,425 |
| Return on assets (ROA) | 0.8000% | 3,519 |
| Pretax return on assets | 1.0102% | 3,553 |
| Return on Equity (ROE) | 6.0817% | 4,191 |
| Retained earnings to average equity (ytd only) | 4.6705% | 3,307 |
| Net charge-offs to loans | 0.4362% | 905 |
| Credit loss provision to net charge-offs | 153.0612% | 1,555 |
| Earnings coverage of net charge-offs (x) | 4.6684% | 3,401 |
| Efficiency ratio | 67.3448% | 3,980 |
| Assets per employee ($millions) | 3.3727% | 5,093 |
| Cash dividends to net income (ytd only)* | 23.2037% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 3,339 |
| Loan loss allowance to noncurrent loans | 41.9240% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 2.7735% | 889 |
| Noncurrent loans to loans | 3.2491% | 774 |
| Net loans and leases to total assets | 73.4914% | 1,598 |
| Net loans and leases to deposits | 88.0436% | 1,667 |
| Net loans and leases to core deposits | 89.8257% | 2,239 |
| Total domestic deposits to total assets | 83.4716% | 3,962 |
| Equity capital to assets | 13.4838% | 1,186 |
| Core capital (leverage) ratio | 13.1472% | 1,122 |
| Tier 1 risk-based capital ratio | 17.6820% | 2,324 |
| Total risk-based capital ratio | 18.9330% | 2,284 |
| Memoranda: | ||
| Average total assets | $162,337,250 | 3,487 |
| Average earning assets | $150,031,500 | 3,469 |
| Average equity | $21,353,250 | 3,021 |
| Average total loans | $119,827,000 | 3,055 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0395% | 697 |
| Cost of funding earning assets | 0.8452% | 571 |
| Net interest margin | 4.1942% | 1,263 |
| Noninterest income to average assets | 0.7053% | 2,256 |
| Noninterest expense to average assets | 3.0673% | 2,603 |
| Loan and lease loss provision to assets | 0.5539% | 263 |
| Net operating income to assets | 0.7656% | 3,482 |
| Return on assets (ROA) | 0.7656% | 3,592 |
| Pretax return on assets | 0.9564% | 3,655 |
| Return on Equity (ROE) | 5.8694% | 4,232 |
| Retained earnings to average equity (ytd only) | 3.7368% | 3,815 |
| Net charge-offs to loans | 0.5336% | 768 |
| Credit loss provision to net charge-offs | 141.0658% | 1,518 |
| Earnings coverage of net charge-offs (x) | 3.8464% | 3,210 |
| Efficiency ratio | 67.0073% | 4,192 |
| Assets per employee ($millions) | 3.3184% | 5,224 |
| Cash dividends to net income (ytd only)* | 36.3344% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 3,849 |
| Loan loss allowance to noncurrent loans | 49.8726% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 2.2318% | 1,356 |
| Noncurrent loans to loans | 2.6074% | 1,172 |
| Net loans and leases to total assets | 71.6373% | 1,808 |
| Net loans and leases to deposits | 85.2320% | 1,895 |
| Net loans and leases to core deposits | 87.1410% | 2,402 |
| Total domestic deposits to total assets | 84.0497% | 3,904 |
| Equity capital to assets | 12.9501% | 1,398 |
| Core capital (leverage) ratio | 12.9500% | 1,170 |
| Tier 1 risk-based capital ratio | 17.2823% | 2,506 |
| Total risk-based capital ratio | 18.5329% | 2,461 |
| Memoranda: | ||
| Average total assets | $162,486,000 | 3,502 |
| Average earning assets | $150,015,670 | 3,485 |
| Average equity | $21,194,670 | 3,033 |
| Average total loans | $119,563,000 | 3,069 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0910% | 605 |
| Cost of funding earning assets | 0.8696% | 526 |
| Net interest margin | 4.2214% | 1,160 |
| Noninterest income to average assets | 0.6991% | 2,170 |
| Noninterest expense to average assets | 3.0951% | 2,549 |
| Loan and lease loss provision to assets | 0.7215% | 167 |
| Net operating income to assets | 0.6544% | 3,929 |
| Return on assets (ROA) | 0.6544% | 4,026 |
| Pretax return on assets | 0.7837% | 4,169 |
| Return on Equity (ROE) | 4.9980% | 4,556 |
| Retained earnings to average equity (ytd only) | 4.9980% | 3,111 |
| Net charge-offs to loans | 0.8696% | 401 |
| Credit loss provision to net charge-offs | 111.9691% | 1,531 |
| Earnings coverage of net charge-offs (x) | 2.3359% | 2,901 |
| Efficiency ratio | 67.2796% | 4,318 |
| Assets per employee ($millions) | 3.2335% | 5,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 4,489 |
| Loan loss allowance to noncurrent loans | 47.0777% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 2.3195% | 1,409 |
| Noncurrent loans to loans | 2.6128% | 1,315 |
| Net loans and leases to total assets | 72.8118% | 1,448 |
| Net loans and leases to deposits | 86.8023% | 1,491 |
| Net loans and leases to core deposits | 88.7894% | 2,016 |
| Total domestic deposits to total assets | 83.8823% | 4,314 |
| Equity capital to assets | 13.1321% | 1,244 |
| Core capital (leverage) ratio | 13.0883% | 1,129 |
| Tier 1 risk-based capital ratio | 17.5180% | 2,474 |
| Total risk-based capital ratio | 18.7460% | 2,450 |
| Memoranda: | ||
| Average total assets | $160,768,000 | 3,551 |
| Average earning assets | $148,576,000 | 3,530 |
| Average equity | $21,048,500 | 3,046 |
| Average total loans | $119,130,500 | 3,089 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1172% | 747 |
| Cost of funding earning assets | 0.9595% | 552 |
| Net interest margin | 4.1577% | 1,477 |
| Noninterest income to average assets | 0.7934% | 2,107 |
| Noninterest expense to average assets | 3.0147% | 3,011 |
| Loan and lease loss provision to assets | 0.2820% | 1,223 |
| Net operating income to assets | 1.0850% | 1,983 |
| Return on assets (ROA) | 1.1005% | 2,001 |
| Pretax return on assets | 1.3844% | 1,848 |
| Return on Equity (ROE) | 8.5220% | 2,774 |
| Retained earnings to average equity (ytd only) | 3.1619% | 3,987 |
| Net charge-offs to loans | 0.4086% | 1,647 |
| Credit loss provision to net charge-offs | 95.8333% | 2,607 |
| Earnings coverage of net charge-offs (x) | 5.5958% | 3,263 |
| Efficiency ratio | 64.6718% | 4,789 |
| Assets per employee ($millions) | 3.2625% | 5,358 |
| Cash dividends to net income (ytd only)* | 62.8969% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 4,633 |
| Loan loss allowance to noncurrent loans | 36.7854% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 2.8168% | 1,151 |
| Noncurrent loans to loans | 3.2760% | 1,011 |
| Net loans and leases to total assets | 73.5899% | 1,423 |
| Net loans and leases to deposits | 87.6847% | 1,501 |
| Net loans and leases to core deposits | 89.7114% | 2,057 |
| Total domestic deposits to total assets | 83.9256% | 4,194 |
| Equity capital to assets | 13.0524% | 1,254 |
| Core capital (leverage) ratio | 12.6840% | 1,263 |
| Tier 1 risk-based capital ratio | 17.2974% | 2,494 |
| Total risk-based capital ratio | 18.4994% | 2,481 |
| Memoranda: | ||
| Average total assets | $163,102,200 | 3,512 |
| Average earning assets | $151,743,200 | 3,471 |
| Average equity | $21,063,200 | 3,030 |
| Average total loans | $117,475,400 | 3,090 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1042% | 768 |
| Cost of funding earning assets | 0.9684% | 578 |
| Net interest margin | 4.1358% | 1,522 |
| Noninterest income to average assets | 0.7915% | 2,191 |
| Noninterest expense to average assets | 2.9422% | 3,161 |
| Loan and lease loss provision to assets | 0.2196% | 1,657 |
| Net operating income to assets | 1.1231% | 1,918 |
| Return on assets (ROA) | 1.1250% | 1,980 |
| Pretax return on assets | 1.4812% | 1,663 |
| Return on Equity (ROE) | 8.7339% | 2,775 |
| Retained earnings to average equity (ytd only) | 7.3067% | 1,731 |
| Net charge-offs to loans | 0.1617% | 2,940 |
| Credit loss provision to net charge-offs | 190.1408% | 1,271 |
| Earnings coverage of net charge-offs (x) | 14.7041% | 1,922 |
| Efficiency ratio | 63.4005% | 4,904 |
| Assets per employee ($millions) | 3.4155% | 5,028 |
| Cash dividends to net income (ytd only)* | 16.3415% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 4,302 |
| Loan loss allowance to noncurrent loans | 38.8657% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 2.7284% | 1,378 |
| Noncurrent loans to loans | 3.3869% | 1,145 |
| Net loans and leases to total assets | 72.3880% | 1,544 |
| Net loans and leases to deposits | 87.2719% | 1,462 |
| Net loans and leases to core deposits | 89.0813% | 2,068 |
| Total domestic deposits to total assets | 82.9453% | 4,594 |
| Equity capital to assets | 13.0856% | 1,298 |
| Core capital (leverage) ratio | 12.8934% | 1,243 |
| Tier 1 risk-based capital ratio | 17.6648% | 2,451 |
| Total risk-based capital ratio | 18.9156% | 2,422 |
| Memoranda: | ||
| Average total assets | $163,912,000 | 3,532 |
| Average earning assets | $152,551,250 | 3,492 |
| Average equity | $21,112,500 | 3,063 |
| Average total loans | $117,074,750 | 3,122 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0867% | 794 |
| Cost of funding earning assets | 0.9854% | 581 |
| Net interest margin | 4.1013% | 1,541 |
| Noninterest income to average assets | 0.7407% | 2,456 |
| Noninterest expense to average assets | 2.8688% | 3,441 |
| Loan and lease loss provision to assets | 0.2196% | 1,727 |
| Net operating income to assets | 1.1198% | 1,866 |
| Return on assets (ROA) | 1.1226% | 1,967 |
| Pretax return on assets | 1.4753% | 1,695 |
| Return on Equity (ROE) | 8.7623% | 2,726 |
| Retained earnings to average equity (ytd only) | 6.6098% | 2,089 |
| Net charge-offs to loans | 0.1241% | 3,132 |
| Credit loss provision to net charge-offs | 250.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 19.2500% | 1,510 |
| Efficiency ratio | 62.9114% | 5,030 |
| Assets per employee ($millions) | 3.4270% | 5,001 |
| Cash dividends to net income (ytd only)* | 24.5652% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 4,511 |
| Loan loss allowance to noncurrent loans | 40.7668% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 2.6493% | 1,576 |
| Noncurrent loans to loans | 3.1898% | 1,378 |
| Net loans and leases to total assets | 72.1195% | 1,560 |
| Net loans and leases to deposits | 86.0626% | 1,572 |
| Net loans and leases to core deposits | 88.6326% | 2,046 |
| Total domestic deposits to total assets | 83.7989% | 4,407 |
| Equity capital to assets | 12.6794% | 1,481 |
| Core capital (leverage) ratio | 12.5633% | 1,333 |
| Tier 1 risk-based capital ratio | 17.2880% | 2,593 |
| Total risk-based capital ratio | 18.5387% | 2,566 |
| Memoranda: | ||
| Average total assets | $163,901,670 | 3,561 |
| Average earning assets | $152,634,000 | 3,503 |
| Average equity | $20,999,000 | 3,092 |
| Average total loans | $116,013,670 | 3,147 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1697% | 645 |
| Cost of funding earning assets | 1.0161% | 561 |
| Net interest margin | 4.1536% | 1,316 |
| Noninterest income to average assets | 0.7139% | 2,517 |
| Noninterest expense to average assets | 2.7481% | 3,882 |
| Loan and lease loss provision to assets | 0.2200% | 1,683 |
| Net operating income to assets | 1.2170% | 1,486 |
| Return on assets (ROA) | 1.2225% | 1,573 |
| Pretax return on assets | 1.6210% | 1,254 |
| Return on Equity (ROE) | 9.4922% | 2,270 |
| Retained earnings to average equity (ytd only) | 9.4922% | 1,245 |
| Net charge-offs to loans | 0.2598% | 1,917 |
| Credit loss provision to net charge-offs | 121.6216% | 1,581 |
| Earnings coverage of net charge-offs (x) | 10.1351% | 1,774 |
| Efficiency ratio | 59.9787% | 5,590 |
| Assets per employee ($millions) | 3.5083% | 4,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 4,805 |
| Loan loss allowance to noncurrent loans | 47.1021% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 2.1365% | 2,200 |
| Noncurrent loans to loans | 2.7149% | 1,883 |
| Net loans and leases to total assets | 68.8705% | 1,866 |
| Net loans and leases to deposits | 82.7386% | 1,739 |
| Net loans and leases to core deposits | 85.0492% | 2,212 |
| Total domestic deposits to total assets | 83.2387% | 4,779 |
| Equity capital to assets | 12.9006% | 1,473 |
| Core capital (leverage) ratio | 12.6029% | 1,296 |
| Tier 1 risk-based capital ratio | 17.9414% | 2,390 |
| Total risk-based capital ratio | 19.1921% | 2,353 |
| Memoranda: | ||
| Average total assets | $163,605,000 | 3,598 |
| Average earning assets | $152,350,500 | 3,553 |
| Average equity | $21,070,000 | 3,122 |
| Average total loans | $113,922,500 | 3,207 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4529% | 683 |
| Cost of funding earning assets | 1.2264% | 511 |
| Net interest margin | 4.2265% | 1,588 |
| Noninterest income to average assets | 0.7481% | 2,506 |
| Noninterest expense to average assets | 2.9133% | 3,586 |
| Loan and lease loss provision to assets | 0.2146% | 2,994 |
| Net operating income to assets | 1.1773% | 1,673 |
| Return on assets (ROA) | 1.1773% | 1,840 |
| Pretax return on assets | 1.5446% | 1,542 |
| Return on Equity (ROE) | 9.2644% | 2,506 |
| Retained earnings to average equity (ytd only) | 3.8167% | 3,522 |
| Net charge-offs to loans | 0.3880% | 2,702 |
| Credit loss provision to net charge-offs | 79.1855% | 3,861 |
| Earnings coverage of net charge-offs (x) | 6.4910% | 2,806 |
| Efficiency ratio | 62.3491% | 5,189 |
| Assets per employee ($millions) | 3.4536% | 5,102 |
| Cash dividends to net income (ytd only)* | 58.8021% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 4,688 |
| Loan loss allowance to noncurrent loans | 230.9524% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.5575% | 5,087 |
| Noncurrent loans to loans | 0.5585% | 5,133 |
| Net loans and leases to total assets | 68.6042% | 2,084 |
| Net loans and leases to deposits | 82.4873% | 1,940 |
| Net loans and leases to core deposits | 85.8038% | 2,337 |
| Total domestic deposits to total assets | 83.1695% | 4,648 |
| Equity capital to assets | 12.8562% | 1,515 |
| Core capital (leverage) ratio | 12.2423% | 1,430 |
| Tier 1 risk-based capital ratio | 17.9736% | 2,268 |
| Total risk-based capital ratio | 19.2247% | 2,241 |
| Memoranda: | ||
| Average total assets | $163,082,200 | 3,567 |
| Average earning assets | $151,424,600 | 3,522 |
| Average equity | $20,724,600 | 3,113 |
| Average total loans | $113,930,800 | 3,210 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4972% | 679 |
| Cost of funding earning assets | 1.2466% | 560 |
| Net interest margin | 4.2506% | 1,594 |
| Noninterest income to average assets | 0.7366% | 2,541 |
| Noninterest expense to average assets | 2.7863% | 4,029 |
| Loan and lease loss provision to assets | 0.2286% | 2,772 |
| Net operating income to assets | 1.2568% | 1,553 |
| Return on assets (ROA) | 1.2568% | 1,716 |
| Pretax return on assets | 1.6642% | 1,381 |
| Return on Equity (ROE) | 9.9182% | 2,382 |
| Retained earnings to average equity (ytd only) | 8.4617% | 1,422 |
| Net charge-offs to loans | 0.4600% | 2,262 |
| Credit loss provision to net charge-offs | 71.0660% | 3,879 |
| Earnings coverage of net charge-offs (x) | 5.8833% | 2,902 |
| Efficiency ratio | 59.5462% | 5,570 |
| Assets per employee ($millions) | 3.3889% | 5,235 |
| Cash dividends to net income (ytd only)* | 14.6851% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 4,951 |
| Loan loss allowance to noncurrent loans | 262.9358% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 5,413 |
| Noncurrent loans to loans | 0.4829% | 5,487 |
| Net loans and leases to total assets | 68.5052% | 2,214 |
| Net loans and leases to deposits | 83.2834% | 1,961 |
| Net loans and leases to core deposits | 87.3513% | 2,299 |
| Total domestic deposits to total assets | 82.2556% | 4,931 |
| Equity capital to assets | 13.1774% | 1,505 |
| Core capital (leverage) ratio | 12.5338% | 1,395 |
| Tier 1 risk-based capital ratio | 18.2975% | 2,231 |
| Total risk-based capital ratio | 19.5476% | 2,206 |
| Memoranda: | ||
| Average total assets | $163,273,250 | 3,596 |
| Average earning assets | $151,442,250 | 3,563 |
| Average equity | $20,688,750 | 3,149 |
| Average total loans | $114,210,500 | 3,231 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5090% | 708 |
| Cost of funding earning assets | 1.2524% | 640 |
| Net interest margin | 4.2567% | 1,586 |
| Noninterest income to average assets | 0.7328% | 2,504 |
| Noninterest expense to average assets | 2.7160% | 4,344 |
| Loan and lease loss provision to assets | 0.2569% | 2,521 |
| Net operating income to assets | 1.2870% | 1,473 |
| Return on assets (ROA) | 1.2870% | 1,631 |
| Pretax return on assets | 1.7103% | 1,230 |
| Return on Equity (ROE) | 10.2935% | 2,243 |
| Retained earnings to average equity (ytd only) | 8.0822% | 1,608 |
| Net charge-offs to loans | 0.3872% | 2,475 |
| Credit loss provision to net charge-offs | 94.5946% | 2,916 |
| Earnings coverage of net charge-offs (x) | 7.2432% | 2,516 |
| Efficiency ratio | 57.9937% | 5,878 |
| Assets per employee ($millions) | 3.5345% | 4,906 |
| Cash dividends to net income (ytd only)* | 21.4829% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 4,679 |
| Loan loss allowance to noncurrent loans | 223.7609% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.6754% | 5,086 |
| Noncurrent loans to loans | 0.6018% | 5,310 |
| Net loans and leases to total assets | 67.6970% | 2,327 |
| Net loans and leases to deposits | 81.4826% | 2,173 |
| Net loans and leases to core deposits | 85.3093% | 2,512 |
| Total domestic deposits to total assets | 83.0816% | 4,723 |
| Equity capital to assets | 12.5601% | 1,777 |
| Core capital (leverage) ratio | 12.1757% | 1,507 |
| Tier 1 risk-based capital ratio | 16.4746% | 2,934 |
| Total risk-based capital ratio | 17.7247% | 2,894 |
| Memoranda: | ||
| Average total assets | $163,476,000 | 3,606 |
| Average earning assets | $151,714,000 | 3,566 |
| Average equity | $20,440,000 | 3,171 |
| Average total loans | $114,658,330 | 3,240 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5910% | 638 |
| Cost of funding earning assets | 1.2837% | 673 |
| Net interest margin | 4.3073% | 1,449 |
| Noninterest income to average assets | 0.7894% | 2,214 |
| Noninterest expense to average assets | 2.6370% | 4,675 |
| Loan and lease loss provision to assets | 0.2220% | 2,727 |
| Net operating income to assets | 1.4209% | 1,181 |
| Return on assets (ROA) | 1.4209% | 1,324 |
| Pretax return on assets | 1.9118% | 859 |
| Return on Equity (ROE) | 11.3904% | 1,876 |
| Retained earnings to average equity (ytd only) | 11.3904% | 945 |
| Net charge-offs to loans | 0.2435% | 2,717 |
| Credit loss provision to net charge-offs | 128.5714% | 1,885 |
| Earnings coverage of net charge-offs (x) | 12.3571% | 1,606 |
| Efficiency ratio | 55.2740% | 6,194 |
| Assets per employee ($millions) | 3.4912% | 5,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 4,754 |
| Loan loss allowance to noncurrent loans | 156.5435% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.9653% | 4,575 |
| Noncurrent loans to loans | 0.8711% | 4,926 |
| Net loans and leases to total assets | 69.0776% | 1,937 |
| Net loans and leases to deposits | 83.3551% | 1,745 |
| Net loans and leases to core deposits | 87.3177% | 2,132 |
| Total domestic deposits to total assets | 82.8714% | 4,981 |
| Equity capital to assets | 12.4793% | 1,734 |
| Core capital (leverage) ratio | 12.3138% | 1,430 |
| Tier 1 risk-based capital ratio | 17.2912% | 2,560 |
| Total risk-based capital ratio | 18.5428% | 2,530 |
| Memoranda: | ||
| Average total assets | $162,153,500 | 3,646 |
| Average earning assets | $149,885,000 | 3,620 |
| Average equity | $20,227,500 | 3,199 |
| Average total loans | $114,990,500 | 3,253 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7972% | 648 |
| Cost of funding earning assets | 1.4101% | 997 |
| Net interest margin | 4.3872% | 1,424 |
| Noninterest income to average assets | 0.8229% | 1,954 |
| Noninterest expense to average assets | 2.8371% | 4,208 |
| Loan and lease loss provision to assets | 0.3754% | 2,742 |
| Net operating income to assets | 1.2670% | 1,329 |
| Return on assets (ROA) | 1.2746% | 1,409 |
| Pretax return on assets | 1.6795% | 1,036 |
| Return on Equity (ROE) | 10.4852% | 1,878 |
| Retained earnings to average equity (ytd only) | 4.8694% | 2,731 |
| Net charge-offs to loans | 0.4395% | 3,238 |
| Credit loss provision to net charge-offs | 118.8119% | 2,695 |
| Earnings coverage of net charge-offs (x) | 6.4713% | 2,508 |
| Efficiency ratio | 58.1133% | 6,037 |
| Assets per employee ($millions) | 3.3379% | 5,403 |
| Cash dividends to net income (ytd only)* | 53.5592% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 4,687 |
| Loan loss allowance to noncurrent loans | 156.5789% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 1.2352% | 4,166 |
| Noncurrent loans to loans | 0.8586% | 4,970 |
| Net loans and leases to total assets | 70.8524% | 1,856 |
| Net loans and leases to deposits | 85.6877% | 1,703 |
| Net loans and leases to core deposits | 91.0278% | 1,984 |
| Total domestic deposits to total assets | 82.6868% | 4,887 |
| Equity capital to assets | 12.4692% | 1,816 |
| Core capital (leverage) ratio | 12.0043% | 1,591 |
| Tier 1 risk-based capital ratio | 17.0350% | 2,583 |
| Total risk-based capital ratio | 18.2865% | 2,536 |
| Memoranda: | ||
| Average total assets | $159,810,000 | 3,633 |
| Average earning assets | $147,863,400 | 3,605 |
| Average equity | $19,427,400 | 3,222 |
| Average total loans | $114,901,600 | 3,275 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7799% | 727 |
| Cost of funding earning assets | 1.4333% | 1,091 |
| Net interest margin | 4.3467% | 1,571 |
| Noninterest income to average assets | 0.7981% | 2,063 |
| Noninterest expense to average assets | 2.7558% | 4,513 |
| Loan and lease loss provision to assets | 0.4007% | 2,447 |
| Net operating income to assets | 1.2697% | 1,453 |
| Return on assets (ROA) | 1.2798% | 1,535 |
| Pretax return on assets | 1.6830% | 1,177 |
| Return on Equity (ROE) | 10.5960% | 1,995 |
| Retained earnings to average equity (ytd only) | 9.0339% | 1,132 |
| Net charge-offs to loans | 0.4179% | 3,049 |
| Credit loss provision to net charge-offs | 133.3333% | 2,386 |
| Earnings coverage of net charge-offs (x) | 6.8889% | 2,458 |
| Efficiency ratio | 57.1008% | 6,127 |
| Assets per employee ($millions) | 3.2459% | 5,581 |
| Cash dividends to net income (ytd only)* | 14.7425% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 4,723 |
| Loan loss allowance to noncurrent loans | 141.1131% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 1.1707% | 4,447 |
| Noncurrent loans to loans | 0.9658% | 4,955 |
| Net loans and leases to total assets | 71.5300% | 1,814 |
| Net loans and leases to deposits | 87.5811% | 1,478 |
| Net loans and leases to core deposits | 93.1592% | 1,866 |
| Total domestic deposits to total assets | 81.6728% | 5,205 |
| Equity capital to assets | 12.7697% | 1,745 |
| Core capital (leverage) ratio | 12.2684% | 1,549 |
| Tier 1 risk-based capital ratio | 17.3522% | 2,506 |
| Total risk-based capital ratio | 18.6043% | 2,468 |
| Memoranda: | ||
| Average total assets | $159,707,750 | 3,657 |
| Average earning assets | $148,002,250 | 3,628 |
| Average equity | $19,289,750 | 3,245 |
| Average total loans | $114,860,500 | 3,304 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7770% | 748 |
| Cost of funding earning assets | 1.4588% | 1,168 |
| Net interest margin | 4.3183% | 1,603 |
| Noninterest income to average assets | 0.7816% | 2,102 |
| Noninterest expense to average assets | 2.7537% | 4,614 |
| Loan and lease loss provision to assets | 0.4502% | 2,168 |
| Net operating income to assets | 1.2066% | 1,548 |
| Return on assets (ROA) | 1.2218% | 1,587 |
| Pretax return on assets | 1.5995% | 1,257 |
| Return on Equity (ROE) | 10.3115% | 2,009 |
| Retained earnings to average equity (ytd only) | 7.9263% | 1,484 |
| Net charge-offs to loans | 0.5109% | 2,571 |
| Credit loss provision to net charge-offs | 122.8669% | 2,481 |
| Earnings coverage of net charge-offs (x) | 5.5392% | 2,591 |
| Efficiency ratio | 57.5686% | 6,218 |
| Assets per employee ($millions) | 3.2368% | 5,555 |
| Cash dividends to net income (ytd only)* | 23.1320% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 4,943 |
| Loan loss allowance to noncurrent loans | 261.4458% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 1.0706% | 4,741 |
| Noncurrent loans to loans | 0.5072% | 5,888 |
| Net loans and leases to total assets | 71.2633% | 1,947 |
| Net loans and leases to deposits | 86.8948% | 1,663 |
| Net loans and leases to core deposits | 91.5256% | 2,199 |
| Total domestic deposits to total assets | 82.0109% | 5,164 |
| Equity capital to assets | 12.2867% | 1,912 |
| Core capital (leverage) ratio | 11.7853% | 1,728 |
| Tier 1 risk-based capital ratio | 16.8297% | 2,598 |
| Total risk-based capital ratio | 18.0804% | 2,560 |
| Memoranda: | ||
| Average total assets | $159,927,670 | 3,688 |
| Average earning assets | $148,207,670 | 3,649 |
| Average equity | $18,949,670 | 3,273 |
| Average total loans | $114,701,000 | 3,343 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6949% | 892 |
| Cost of funding earning assets | 1.4801% | 1,255 |
| Net interest margin | 4.2148% | 1,857 |
| Noninterest income to average assets | 0.7896% | 2,072 |
| Noninterest expense to average assets | 2.7125% | 4,786 |
| Loan and lease loss provision to assets | 0.2242% | 3,417 |
| Net operating income to assets | 1.3324% | 1,199 |
| Return on assets (ROA) | 1.3475% | 1,210 |
| Pretax return on assets | 1.7809% | 848 |
| Return on Equity (ROE) | 11.5840% | 1,578 |
| Retained earnings to average equity (ytd only) | 11.5840% | 801 |
| Net charge-offs to loans | 0.1638% | 3,500 |
| Credit loss provision to net charge-offs | 191.4894% | 1,544 |
| Earnings coverage of net charge-offs (x) | 16.9574% | 1,240 |
| Efficiency ratio | 57.7413% | 6,295 |
| Assets per employee ($millions) | 3.3967% | 5,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 5,110 |
| Loan loss allowance to noncurrent loans | 160.0642% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 1.1075% | 4,703 |
| Noncurrent loans to loans | 0.8147% | 5,405 |
| Net loans and leases to total assets | 70.8749% | 1,955 |
| Net loans and leases to deposits | 86.2791% | 1,685 |
| Net loans and leases to core deposits | 90.6236% | 2,284 |
| Total domestic deposits to total assets | 82.1461% | 5,252 |
| Equity capital to assets | 11.9070% | 1,978 |
| Core capital (leverage) ratio | 11.7354% | 1,712 |
| Tier 1 risk-based capital ratio | 16.5039% | 2,659 |
| Total risk-based capital ratio | 17.7547% | 2,637 |
| Memoranda: | ||
| Average total assets | $160,590,500 | 3,697 |
| Average earning assets | $148,904,000 | 3,661 |
| Average equity | $18,681,000 | 3,294 |
| Average total loans | $114,779,500 | 3,373 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8622% | 1,128 |
| Cost of funding earning assets | 1.7753% | 1,274 |
| Net interest margin | 4.0869% | 2,630 |
| Noninterest income to average assets | 0.6679% | 3,032 |
| Noninterest expense to average assets | 2.9003% | 4,221 |
| Loan and lease loss provision to assets | 0.4232% | 3,576 |
| Net operating income to assets | 0.8802% | 2,467 |
| Return on assets (ROA) | 0.8833% | 2,591 |
| Pretax return on assets | 1.1006% | 2,577 |
| Return on Equity (ROE) | 7.5336% | 2,883 |
| Retained earnings to average equity (ytd only) | 1.8211% | 4,591 |
| Net charge-offs to loans | 0.3876% | 4,101 |
| Credit loss provision to net charge-offs | 153.8106% | 2,312 |
| Earnings coverage of net charge-offs (x) | 5.5242% | 2,603 |
| Efficiency ratio | 65.6124% | 5,041 |
| Assets per employee ($millions) | 3.3653% | 5,258 |
| Cash dividends to net income (ytd only)* | 75.8273% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 5,191 |
| Loan loss allowance to noncurrent loans | 133.7017% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 1.3384% | 4,343 |
| Noncurrent loans to loans | 0.9450% | 5,156 |
| Net loans and leases to total assets | 70.2405% | 2,487 |
| Net loans and leases to deposits | 84.8334% | 2,316 |
| Net loans and leases to core deposits | 89.8888% | 2,784 |
| Total domestic deposits to total assets | 82.7982% | 4,883 |
| Equity capital to assets | 11.3616% | 2,363 |
| Core capital (leverage) ratio | 11.2038% | 2,012 |
| Tier 1 risk-based capital ratio | 16.1399% | 2,679 |
| Total risk-based capital ratio | 17.3907% | 2,638 |
| Memoranda: | ||
| Average total assets | $157,364,800 | 3,751 |
| Average earning assets | $144,486,000 | 3,734 |
| Average equity | $18,450,600 | 3,360 |
| Average total loans | $111,703,000 | 3,502 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8507% | 1,253 |
| Cost of funding earning assets | 1.8285% | 1,309 |
| Net interest margin | 4.0222% | 3,000 |
| Noninterest income to average assets | 0.5988% | 3,444 |
| Noninterest expense to average assets | 2.8948% | 4,112 |
| Loan and lease loss provision to assets | 0.4401% | 3,276 |
| Net operating income to assets | 0.7754% | 3,108 |
| Return on assets (ROA) | 0.7796% | 3,252 |
| Pretax return on assets | 0.9519% | 3,357 |
| Return on Equity (ROE) | 6.5962% | 3,533 |
| Retained earnings to average equity (ytd only) | 4.9651% | 3,015 |
| Net charge-offs to loans | 0.4689% | 3,404 |
| Credit loss provision to net charge-offs | 132.3077% | 3,055 |
| Earnings coverage of net charge-offs (x) | 4.1692% | 3,163 |
| Efficiency ratio | 67.6096% | 4,539 |
| Assets per employee ($millions) | 3.4788% | 5,027 |
| Cash dividends to net income (ytd only)* | 24.7267% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 5,522 |
| Loan loss allowance to noncurrent loans | 178.8564% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.9982% | 5,092 |
| Noncurrent loans to loans | 0.6676% | 5,867 |
| Net loans and leases to total assets | 68.0671% | 3,195 |
| Net loans and leases to deposits | 83.9862% | 2,708 |
| Net loans and leases to core deposits | 88.8480% | 3,257 |
| Total domestic deposits to total assets | 81.0455% | 5,347 |
| Equity capital to assets | 11.7032% | 2,352 |
| Core capital (leverage) ratio | 11.3773% | 2,026 |
| Tier 1 risk-based capital ratio | 16.6149% | 2,507 |
| Total risk-based capital ratio | 17.8164% | 2,485 |
| Memoranda: | ||
| Average total assets | $156,322,250 | 3,824 |
| Average earning assets | $143,137,000 | 3,814 |
| Average equity | $18,475,000 | 3,401 |
| Average total loans | $110,900,000 | 3,586 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8345% | 1,335 |
| Cost of funding earning assets | 1.8823% | 1,298 |
| Net interest margin | 3.9522% | 3,233 |
| Noninterest income to average assets | 0.6211% | 3,187 |
| Noninterest expense to average assets | 2.9104% | 4,037 |
| Loan and lease loss provision to assets | 0.4755% | 2,934 |
| Net operating income to assets | 0.7042% | 3,388 |
| Return on assets (ROA) | 0.7107% | 3,514 |
| Pretax return on assets | 0.8549% | 3,681 |
| Return on Equity (ROE) | 5.9929% | 3,805 |
| Retained earnings to average equity (ytd only) | 3.5168% | 3,871 |
| Net charge-offs to loans | 0.3934% | 3,404 |
| Credit loss provision to net charge-offs | 168.6636% | 2,325 |
| Earnings coverage of net charge-offs (x) | 4.6912% | 2,881 |
| Efficiency ratio | 68.7538% | 4,432 |
| Assets per employee ($millions) | 3.2596% | 5,532 |
| Cash dividends to net income (ytd only)* | 41.3163% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 5,375 |
| Loan loss allowance to noncurrent loans | 122.1429% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 1.6343% | 3,987 |
| Noncurrent loans to loans | 0.9951% | 5,315 |
| Net loans and leases to total assets | 71.0580% | 2,636 |
| Net loans and leases to deposits | 90.3431% | 1,803 |
| Net loans and leases to core deposits | 95.9863% | 2,439 |
| Total domestic deposits to total assets | 78.6535% | 6,122 |
| Equity capital to assets | 11.7818% | 2,223 |
| Core capital (leverage) ratio | 11.7448% | 1,780 |
| Tier 1 risk-based capital ratio | 16.3333% | 2,540 |
| Total risk-based capital ratio | 17.5588% | 2,500 |
| Memoranda: | ||
| Average total assets | $153,929,000 | 3,885 |
| Average earning assets | $140,680,330 | 3,891 |
| Average equity | $18,255,000 | 3,424 |
| Average total loans | $110,321,330 | 3,625 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8108% | 1,422 |
| Cost of funding earning assets | 1.9017% | 1,441 |
| Net interest margin | 3.9091% | 3,286 |
| Noninterest income to average assets | 0.5398% | 3,731 |
| Noninterest expense to average assets | 2.9241% | 3,969 |
| Loan and lease loss provision to assets | 0.5660% | 2,230 |
| Net operating income to assets | 0.5600% | 4,081 |
| Return on assets (ROA) | 0.5738% | 4,158 |
| Pretax return on assets | 0.6524% | 4,401 |
| Return on Equity (ROE) | 4.8223% | 4,460 |
| Retained earnings to average equity (ytd only) | 4.8223% | 3,255 |
| Net charge-offs to loans | 0.3809% | 2,908 |
| Credit loss provision to net charge-offs | 207.6923% | 1,793 |
| Earnings coverage of net charge-offs (x) | 4.4135% | 2,631 |
| Efficiency ratio | 70.8571% | 4,146 |
| Assets per employee ($millions) | 3.1775% | 5,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 5,509 |
| Loan loss allowance to noncurrent loans | 174.4430% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 1.4233% | 4,375 |
| Noncurrent loans to loans | 0.6872% | 5,959 |
| Net loans and leases to total assets | 70.4548% | 2,811 |
| Net loans and leases to deposits | 88.4688% | 2,139 |
| Net loans and leases to core deposits | 94.0071% | 2,839 |
| Total domestic deposits to total assets | 79.6380% | 5,904 |
| Equity capital to assets | 11.7472% | 2,201 |
| Core capital (leverage) ratio | 11.9479% | 1,673 |
| Tier 1 risk-based capital ratio | 16.5049% | 2,446 |
| Total risk-based capital ratio | 17.7166% | 2,418 |
| Memoranda: | ||
| Average total assets | $152,663,000 | 3,970 |
| Average earning assets | $140,084,500 | 3,962 |
| Average equity | $18,165,500 | 3,455 |
| Average total loans | $109,209,000 | 3,700 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2814% | 1,061 |
| Cost of funding earning assets | 2.1919% | 2,073 |
| Net interest margin | 4.0895% | 2,501 |
| Noninterest income to average assets | 0.7941% | 2,431 |
| Noninterest expense to average assets | 3.0257% | 4,049 |
| Loan and lease loss provision to assets | 0.2681% | 5,267 |
| Net operating income to assets | 0.9627% | 1,977 |
| Return on assets (ROA) | 0.9764% | 1,979 |
| Pretax return on assets | 1.2806% | 1,748 |
| Return on Equity (ROE) | 8.0031% | 2,366 |
| Retained earnings to average equity (ytd only) | 0.0989% | 4,843 |
| Net charge-offs to loans | 0.4874% | 3,820 |
| Credit loss provision to net charge-offs | 77.0713% | 6,357 |
| Earnings coverage of net charge-offs (x) | 4.4008% | 2,963 |
| Efficiency ratio | 66.4068% | 5,307 |
| Assets per employee ($millions) | 3.1173% | 5,949 |
| Cash dividends to net income (ytd only)* | 98.7646% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 5,718 |
| Loan loss allowance to noncurrent loans | 125.5407% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 1.5619% | 4,036 |
| Noncurrent loans to loans | 0.9042% | 5,502 |
| Net loans and leases to total assets | 70.9568% | 3,021 |
| Net loans and leases to deposits | 90.4184% | 2,157 |
| Net loans and leases to core deposits | 112.3858% | 2,660 |
| Total domestic deposits to total assets | 78.4761% | 6,128 |
| Equity capital to assets | 12.0572% | 2,000 |
| Core capital (leverage) ratio | 11.9096% | 1,703 |
| Tier 1 risk-based capital ratio | 16.6337% | 2,264 |
| Total risk-based capital ratio | 17.7658% | 2,261 |
| Memoranda: | ||
| Average total assets | $149,221,200 | 3,970 |
| Average earning assets | $137,277,600 | 3,953 |
| Average equity | $18,205,400 | 3,477 |
| Average total loans | $106,488,200 | 3,769 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2566% | 1,221 |
| Cost of funding earning assets | 2.2321% | 2,270 |
| Net interest margin | 4.0244% | 2,706 |
| Noninterest income to average assets | 0.7832% | 2,523 |
| Noninterest expense to average assets | 2.9059% | 4,431 |
| Loan and lease loss provision to assets | 0.2861% | 4,684 |
| Net operating income to assets | 0.9808% | 2,126 |
| Return on assets (ROA) | 0.9808% | 2,185 |
| Pretax return on assets | 1.2974% | 1,957 |
| Return on Equity (ROE) | 8.0159% | 2,622 |
| Retained earnings to average equity (ytd only) | 3.2736% | 3,481 |
| Net charge-offs to loans | 0.4768% | 3,321 |
| Credit loss provision to net charge-offs | 84.2105% | 5,649 |
| Earnings coverage of net charge-offs (x) | 4.6606% | 3,050 |
| Efficiency ratio | 64.7281% | 5,608 |
| Assets per employee ($millions) | 3.1927% | 5,665 |
| Cash dividends to net income (ytd only)* | 59.1612% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 5,128 |
| Loan loss allowance to noncurrent loans | 87.2951% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 1.8369% | 3,600 |
| Noncurrent loans to loans | 1.3720% | 4,626 |
| Net loans and leases to total assets | 68.7939% | 3,773 |
| Net loans and leases to deposits | 88.1488% | 2,927 |
| Net loans and leases to core deposits | 110.3706% | 3,198 |
| Total domestic deposits to total assets | 78.0429% | 6,079 |
| Equity capital to assets | 12.1391% | 2,163 |
| Core capital (leverage) ratio | 12.2343% | 1,693 |
| Tier 1 risk-based capital ratio | 17.0060% | 2,274 |
| Total risk-based capital ratio | 18.1911% | 2,243 |
| Memoranda: | ||
| Average total assets | $149,119,250 | 3,990 |
| Average earning assets | $137,324,250 | 3,977 |
| Average equity | $18,246,500 | 3,492 |
| Average total loans | $106,262,500 | 3,818 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3043% | 1,198 |
| Cost of funding earning assets | 2.2632% | 2,514 |
| Net interest margin | 4.0411% | 2,537 |
| Noninterest income to average assets | 0.7310% | 2,811 |
| Noninterest expense to average assets | 2.8685% | 4,646 |
| Loan and lease loss provision to assets | 0.2707% | 4,413 |
| Net operating income to assets | 0.9950% | 2,130 |
| Return on assets (ROA) | 0.9950% | 2,224 |
| Pretax return on assets | 1.3334% | 1,921 |
| Return on Equity (ROE) | 8.1092% | 2,725 |
| Retained earnings to average equity (ytd only) | 0.9488% | 4,801 |
| Net charge-offs to loans | 0.4580% | 2,996 |
| Credit loss provision to net charge-offs | 82.3045% | 5,133 |
| Earnings coverage of net charge-offs (x) | 4.8765% | 2,975 |
| Efficiency ratio | 64.1344% | 5,892 |
| Assets per employee ($millions) | 3.0026% | 6,122 |
| Cash dividends to net income (ytd only)* | 88.2993% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 4,753 |
| Loan loss allowance to noncurrent loans | 83.0128% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.4987% | 3,985 |
| Noncurrent loans to loans | 1.4797% | 4,274 |
| Net loans and leases to total assets | 69.3583% | 3,858 |
| Net loans and leases to deposits | 89.2287% | 2,949 |
| Net loans and leases to core deposits | 111.1302% | 3,243 |
| Total domestic deposits to total assets | 77.7309% | 6,145 |
| Equity capital to assets | 11.9488% | 2,233 |
| Core capital (leverage) ratio | 11.9808% | 1,836 |
| Tier 1 risk-based capital ratio | 17.1542% | 2,251 |
| Total risk-based capital ratio | 18.3898% | 2,199 |
| Memoranda: | ||
| Average total assets | $147,742,670 | 4,038 |
| Average earning assets | $136,795,670 | 4,013 |
| Average equity | $18,127,670 | 3,531 |
| Average total loans | $106,115,330 | 3,854 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4355% | 984 |
| Cost of funding earning assets | 2.3192% | 2,621 |
| Net interest margin | 4.1162% | 2,222 |
| Noninterest income to average assets | 0.8216% | 2,221 |
| Noninterest expense to average assets | 2.9260% | 4,070 |
| Loan and lease loss provision to assets | 0.3275% | 3,357 |
| Net operating income to assets | 1.0044% | 2,294 |
| Return on assets (ROA) | 1.0044% | 2,433 |
| Pretax return on assets | 1.3757% | 2,040 |
| Return on Equity (ROE) | 8.0781% | 3,110 |
| Retained earnings to average equity (ytd only) | 8.0781% | 1,782 |
| Net charge-offs to loans | 0.6876% | 1,807 |
| Credit loss provision to net charge-offs | 65.5738% | 4,425 |
| Earnings coverage of net charge-offs (x) | 3.4098% | 3,188 |
| Efficiency ratio | 63.2075% | 5,829 |
| Assets per employee ($millions) | 2.9539% | 6,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 4,736 |
| Loan loss allowance to noncurrent loans | 207.9935% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.8964% | 4,951 |
| Noncurrent loans to loans | 0.5817% | 5,944 |
| Net loans and leases to total assets | 70.4831% | 3,575 |
| Net loans and leases to deposits | 92.4011% | 2,532 |
| Net loans and leases to core deposits | 115.1319% | 2,896 |
| Total domestic deposits to total assets | 76.2795% | 6,457 |
| Equity capital to assets | 12.4405% | 2,008 |
| Core capital (leverage) ratio | 12.5535% | 1,668 |
| Tier 1 risk-based capital ratio | 17.9156% | 2,081 |
| Total risk-based capital ratio | 19.1655% | 2,023 |
| Memoranda: | ||
| Average total assets | $146,548,000 | 4,066 |
| Average earning assets | $135,561,500 | 4,042 |
| Average equity | $18,222,000 | 3,534 |
| Average total loans | $106,461,000 | 3,873 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2055% | 738 |
| Cost of funding earning assets | 2.8224% | 2,616 |
| Net interest margin | 4.3832% | 1,742 |
| Noninterest income to average assets | 0.9767% | 1,666 |
| Noninterest expense to average assets | 2.8647% | 4,554 |
| Loan and lease loss provision to assets | 0.4873% | 2,867 |
| Net operating income to assets | 1.1946% | 1,790 |
| Return on assets (ROA) | 1.1946% | 1,721 |
| Pretax return on assets | 1.6736% | 1,208 |
| Return on Equity (ROE) | 9.6273% | 2,385 |
| Retained earnings to average equity (ytd only) | 4.0506% | 2,611 |
| Net charge-offs to loans | 0.4187% | 2,726 |
| Credit loss provision to net charge-offs | 157.6577% | 3,300 |
| Earnings coverage of net charge-offs (x) | 6.9910% | 3,219 |
| Efficiency ratio | 57.0024% | 6,875 |
| Assets per employee ($millions) | 2.9080% | 6,276 |
| Cash dividends to net income (ytd only)* | 57.9254% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 4,203 |
| Loan loss allowance to noncurrent loans | 179.8387% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.9725% | 4,401 |
| Noncurrent loans to loans | 0.6918% | 5,309 |
| Net loans and leases to total assets | 73.0456% | 3,348 |
| Net loans and leases to deposits | 95.6665% | 2,497 |
| Net loans and leases to core deposits | 117.4502% | 2,953 |
| Total domestic deposits to total assets | 76.3544% | 6,152 |
| Equity capital to assets | 12.4277% | 2,049 |
| Core capital (leverage) ratio | 12.3514% | 1,804 |
| Tier 1 risk-based capital ratio | 17.4585% | 2,188 |
| Total risk-based capital ratio | 18.7093% | 2,129 |
| Memoranda: | ||
| Average total assets | $143,643,600 | 4,014 |
| Average earning assets | $132,689,400 | 3,995 |
| Average equity | $17,824,400 | 3,583 |
| Average total loans | $106,040,000 | 3,793 |