Home > The Paducah Bank and Trust Company > Performance and Condition Ratios
The Paducah Bank and Trust Company, 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 | 5.2486% | 1,578 |
| Cost of funding earning assets | 1.7024% | 1,452 |
| Net interest margin | 3.5462% | 2,078 |
| Noninterest income to average assets | 0.8600% | 824 |
| Noninterest expense to average assets | 2.8561% | 1,383 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.2869% | 1,453 |
| Return on assets (ROA) | 1.3044% | 1,395 |
| Pretax return on assets | 1.3044% | 1,861 |
| Return on Equity (ROE) | 13.1400% | 1,691 |
| Retained earnings to average equity (ytd only) | 4.4972% | 2,789 |
| Net charge-offs to loans | 0.0213% | 1,913 |
| Credit loss provision to net charge-offs | 500.0000% | 667 |
| Earnings coverage of net charge-offs (x) | 83.7067% | 995 |
| Efficiency ratio | 66.6366% | 2,272 |
| Assets per employee ($millions) | 6.5031% | 2,415 |
| Cash dividends to net income (ytd only)* | 65.7642% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5878% | 860 |
| Loan loss allowance to noncurrent loans | 7,791.7808% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,569 |
| Noncurrent loans to loans | 0.0204% | 3,594 |
| Net loans and leases to total assets | 73.2600% | 1,445 |
| Net loans and leases to deposits | 91.8488% | 1,108 |
| Net loans and leases to core deposits | 104.5051% | 1,193 |
| Total domestic deposits to total assets | 79.7600% | 3,502 |
| Equity capital to assets | 9.8991% | 2,068 |
| Core capital (leverage) ratio | 10.9773% | 1,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8316% | 1,587 |
| Memoranda: | ||
| Average total assets | $917,419,200 | 1,064 |
| Average earning assets | $869,412,400 | 1,033 |
| Average equity | $91,100,800 | 1,017 |
| Average total loans | $704,010,800 | 954 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1705% | 1,508 |
| Cost of funding earning assets | 1.5925% | 1,385 |
| Net interest margin | 3.5779% | 2,059 |
| Noninterest income to average assets | 0.8700% | 813 |
| Noninterest expense to average assets | 2.9069% | 1,216 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.2402% | 1,676 |
| Return on assets (ROA) | 1.2623% | 1,615 |
| Pretax return on assets | 1.2623% | 2,136 |
| Return on Equity (ROE) | 12.7000% | 1,957 |
| Retained earnings to average equity (ytd only) | 4.9256% | 2,961 |
| Net charge-offs to loans | 0.0221% | 1,660 |
| Credit loss provision to net charge-offs | 646.5517% | 533 |
| Earnings coverage of net charge-offs (x) | 79.1293% | 1,054 |
| Efficiency ratio | 67.3060% | 2,097 |
| Assets per employee ($millions) | 5.9781% | 2,781 |
| Cash dividends to net income (ytd only)* | 61.2193% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6130% | 862 |
| Loan loss allowance to noncurrent loans | 4,273.4082% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 3,474 |
| Noncurrent loans to loans | 0.0377% | 3,497 |
| Net loans and leases to total assets | 76.0900% | 1,111 |
| Net loans and leases to deposits | 94.6186% | 855 |
| Net loans and leases to core deposits | 105.6562% | 1,037 |
| Total domestic deposits to total assets | 80.4200% | 3,471 |
| Equity capital to assets | 9.8660% | 1,904 |
| Core capital (leverage) ratio | 11.0295% | 1,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6413% | 1,672 |
| Memoranda: | ||
| Average total assets | $906,158,000 | 1,080 |
| Average earning assets | $858,647,250 | 1,045 |
| Average equity | $90,057,250 | 1,029 |
| Average total loans | $700,896,250 | 951 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0388% | 1,495 |
| Cost of funding earning assets | 1.4521% | 1,332 |
| Net interest margin | 3.5866% | 2,070 |
| Noninterest income to average assets | 0.8400% | 788 |
| Noninterest expense to average assets | 2.9002% | 1,209 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.2089% | 1,812 |
| Return on assets (ROA) | 1.2288% | 1,742 |
| Pretax return on assets | 1.2288% | 2,288 |
| Return on Equity (ROE) | 12.3300% | 2,059 |
| Retained earnings to average equity (ytd only) | 4.4602% | 3,092 |
| Net charge-offs to loans | 0.0238% | 1,406 |
| Credit loss provision to net charge-offs | 722.8916% | 507 |
| Earnings coverage of net charge-offs (x) | 73.0120% | 1,098 |
| Efficiency ratio | 67.3939% | 2,061 |
| Assets per employee ($millions) | 5.7932% | 2,892 |
| Cash dividends to net income (ytd only)* | 63.8378% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6073% | 922 |
| Loan loss allowance to noncurrent loans | 3,690.5229% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 3,448 |
| Noncurrent loans to loans | 0.0436% | 3,413 |
| Net loans and leases to total assets | 76.0100% | 1,046 |
| Net loans and leases to deposits | 96.3725% | 712 |
| Net loans and leases to core deposits | 106.4531% | 962 |
| Total domestic deposits to total assets | 78.8700% | 3,738 |
| Equity capital to assets | 10.0334% | 1,838 |
| Core capital (leverage) ratio | 10.9958% | 1,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5236% | 1,718 |
| Memoranda: | ||
| Average total assets | $903,326,667 | 1,079 |
| Average earning assets | $856,400,333 | 1,042 |
| Average equity | $89,996,333 | 1,020 |
| Average total loans | $698,735,667 | 942 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9264% | 1,371 |
| Cost of funding earning assets | 1.3281% | 1,173 |
| Net interest margin | 3.5983% | 2,135 |
| Noninterest income to average assets | 0.8200% | 816 |
| Noninterest expense to average assets | 2.9099% | 1,214 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.1890% | 1,960 |
| Return on assets (ROA) | 1.1890% | 1,921 |
| Pretax return on assets | 1.1890% | 2,453 |
| Return on Equity (ROE) | 11.9800% | 2,223 |
| Retained earnings to average equity (ytd only) | 3.8359% | 3,317 |
| Net charge-offs to loans | 0.0195% | 1,288 |
| Credit loss provision to net charge-offs | 882.3529% | 389 |
| Earnings coverage of net charge-offs (x) | 87.5294% | 852 |
| Efficiency ratio | 67.7690% | 1,997 |
| Assets per employee ($millions) | 5.7499% | 2,980 |
| Cash dividends to net income (ytd only)* | 67.9746% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 1,083 |
| Loan loss allowance to noncurrent loans | 6,168.7151% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 3,611 |
| Noncurrent loans to loans | 0.0254% | 3,586 |
| Net loans and leases to total assets | 76.4800% | 928 |
| Net loans and leases to deposits | 95.1464% | 710 |
| Net loans and leases to core deposits | 101.4435% | 1,026 |
| Total domestic deposits to total assets | 80.3900% | 3,720 |
| Equity capital to assets | 9.9832% | 1,829 |
| Core capital (leverage) ratio | 10.8941% | 1,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0638% | 1,954 |
| Memoranda: | ||
| Average total assets | $900,225,000 | 1,097 |
| Average earning assets | $853,852,000 | 1,066 |
| Average equity | $89,366,000 | 1,037 |
| Average total loans | $696,790,000 | 962 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1272% | 1,412 |
| Cost of funding earning assets | 0.4458% | 1,748 |
| Net interest margin | 3.6814% | 1,421 |
| Noninterest income to average assets | 0.9300% | 743 |
| Noninterest expense to average assets | 2.9550% | 1,033 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.3890% | 1,162 |
| Return on assets (ROA) | 1.3122% | 1,353 |
| Pretax return on assets | 1.3122% | 2,048 |
| Return on Equity (ROE) | 11.8900% | 2,179 |
| Retained earnings to average equity (ytd only) | -3.2686% | 4,529 |
| Net charge-offs to loans | 0.0148% | 1,830 |
| Credit loss provision to net charge-offs | 774.1935% | 505 |
| Earnings coverage of net charge-offs (x) | 133.7312% | 842 |
| Efficiency ratio | 65.7094% | 2,268 |
| Assets per employee ($millions) | 5.7920% | 2,954 |
| Cash dividends to net income (ytd only)* | 127.4822% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5670% | 1,037 |
| Loan loss allowance to noncurrent loans | 5,059.1549% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 3,187 |
| Noncurrent loans to loans | 0.0310% | 3,560 |
| Net loans and leases to total assets | 75.8900% | 1,020 |
| Net loans and leases to deposits | 92.9724% | 846 |
| Net loans and leases to core deposits | 99.9172% | 1,008 |
| Total domestic deposits to total assets | 81.6300% | 3,675 |
| Equity capital to assets | 9.8699% | 1,773 |
| Core capital (leverage) ratio | 11.2531% | 1,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2721% | 1,866 |
| Memoranda: | ||
| Average total assets | $843,528,200 | 1,139 |
| Average earning assets | $801,026,600 | 1,112 |
| Average equity | $93,066,400 | 992 |
| Average total loans | $627,370,000 | 1,005 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9830% | 1,298 |
| Cost of funding earning assets | 0.2926% | 2,250 |
| Net interest margin | 3.6904% | 1,164 |
| Noninterest income to average assets | 0.9900% | 677 |
| Noninterest expense to average assets | 2.9651% | 952 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.4458% | 965 |
| Return on assets (ROA) | 1.3650% | 1,153 |
| Pretax return on assets | 1.3650% | 1,831 |
| Return on Equity (ROE) | 12.0300% | 2,019 |
| Retained earnings to average equity (ytd only) | -5.5919% | 4,618 |
| Net charge-offs to loans | 0.0109% | 1,708 |
| Credit loss provision to net charge-offs | 1,080.0000% | 390 |
| Earnings coverage of net charge-offs (x) | 191.1200% | 638 |
| Efficiency ratio | 64.9255% | 2,417 |
| Assets per employee ($millions) | 5.7224% | 3,015 |
| Cash dividends to net income (ytd only)* | 146.4756% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6552% | 956 |
| Loan loss allowance to noncurrent loans | 13,639.7436% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 3,403 |
| Noncurrent loans to loans | 0.0121% | 3,852 |
| Net loans and leases to total assets | 74.6400% | 1,048 |
| Net loans and leases to deposits | 89.4457% | 930 |
| Net loans and leases to core deposits | 96.0902% | 994 |
| Total domestic deposits to total assets | 83.4500% | 3,619 |
| Equity capital to assets | 10.1416% | 1,548 |
| Core capital (leverage) ratio | 11.4455% | 1,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9155% | 1,734 |
| Memoranda: | ||
| Average total assets | $831,418,250 | 1,162 |
| Average earning assets | $789,240,750 | 1,134 |
| Average equity | $94,324,000 | 999 |
| Average total loans | $612,288,500 | 1,021 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8281% | 1,252 |
| Cost of funding earning assets | 0.1905% | 3,039 |
| Net interest margin | 3.6377% | 1,008 |
| Noninterest income to average assets | 1.0019% | 660 |
| Noninterest expense to average assets | 2.9412% | 923 |
| Loan and lease loss provision to assets | 0.0871% | 1,130 |
| Net operating income to assets | 1.4269% | 844 |
| Return on assets (ROA) | 1.3635% | 969 |
| Pretax return on assets | 1.3635% | 1,540 |
| Return on Equity (ROE) | 11.5983% | 1,794 |
| Retained earnings to average equity (ytd only) | -10.2847% | 4,665 |
| Net charge-offs to loans | 0.0083% | 1,680 |
| Credit loss provision to net charge-offs | 1,440.0000% | 315 |
| Earnings coverage of net charge-offs (x) | 250.2000% | 469 |
| Efficiency ratio | 65.0005% | 2,638 |
| Assets per employee ($millions) | 5.6801% | 3,046 |
| Cash dividends to net income (ytd only)* | 188.6739% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6672% | 1,020 |
| Loan loss allowance to noncurrent loans | 3,911.9403% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 3,206 |
| Noncurrent loans to loans | 0.0426% | 3,624 |
| Net loans and leases to total assets | 74.0548% | 917 |
| Net loans and leases to deposits | 90.5171% | 688 |
| Net loans and leases to core deposits | 94.4906% | 895 |
| Total domestic deposits to total assets | 81.8131% | 4,031 |
| Equity capital to assets | 10.5661% | 1,403 |
| Core capital (leverage) ratio | 11.5104% | 1,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0346% | 1,695 |
| Memoranda: | ||
| Average total assets | $826,253,000 | 1,160 |
| Average earning assets | $784,401,333 | 1,143 |
| Average equity | $97,135,000 | 979 |
| Average total loans | $602,131,667 | 1,021 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6996% | 1,271 |
| Cost of funding earning assets | 0.1694% | 3,229 |
| Net interest margin | 3.5301% | 1,028 |
| Noninterest income to average assets | 1.0104% | 665 |
| Noninterest expense to average assets | 2.8807% | 995 |
| Loan and lease loss provision to assets | 0.0876% | 944 |
| Net operating income to assets | 1.3982% | 804 |
| Return on assets (ROA) | 1.3982% | 797 |
| Pretax return on assets | 1.3982% | 1,263 |
| Return on Equity (ROE) | 11.3121% | 1,517 |
| Retained earnings to average equity (ytd only) | 3.7799% | 3,019 |
| Net charge-offs to loans | 0.0115% | 1,341 |
| Credit loss provision to net charge-offs | 1,058.8235% | 318 |
| Earnings coverage of net charge-offs (x) | 179.5882% | 464 |
| Efficiency ratio | 64.9242% | 2,921 |
| Assets per employee ($millions) | 6.1302% | 2,676 |
| Cash dividends to net income (ytd only)* | 66.5855% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7495% | 963 |
| Loan loss allowance to noncurrent loans | 7,261.9718% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 3,433 |
| Noncurrent loans to loans | 0.0241% | 3,819 |
| Net loans and leases to total assets | 70.4980% | 973 |
| Net loans and leases to deposits | 85.2623% | 790 |
| Net loans and leases to core deposits | 89.2235% | 955 |
| Total domestic deposits to total assets | 82.6836% | 3,983 |
| Equity capital to assets | 12.0033% | 953 |
| Core capital (leverage) ratio | 12.3944% | 944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9532% | 1,274 |
| Memoranda: | ||
| Average total assets | $821,889,500 | 1,167 |
| Average earning assets | $781,391,500 | 1,153 |
| Average equity | $101,590,000 | 982 |
| Average total loans | $588,784,000 | 1,037 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0252% | 1,303 |
| Cost of funding earning assets | 0.2467% | 2,968 |
| Net interest margin | 3.7785% | 1,053 |
| Noninterest income to average assets | 1.1055% | 849 |
| Noninterest expense to average assets | 2.8256% | 1,299 |
| Loan and lease loss provision to assets | 0.0762% | 1,594 |
| Net operating income to assets | 1.7882% | 521 |
| Return on assets (ROA) | 1.7939% | 535 |
| Pretax return on assets | 1.7939% | 927 |
| Return on Equity (ROE) | 14.1477% | 1,140 |
| Retained earnings to average equity (ytd only) | 5.1423% | 2,729 |
| Net charge-offs to loans | 0.0802% | 1,001 |
| Credit loss provision to net charge-offs | 127.5934% | 1,600 |
| Earnings coverage of net charge-offs (x) | 31.2386% | 1,582 |
| Efficiency ratio | 59.2576% | 3,263 |
| Assets per employee ($millions) | 6.0465% | 2,719 |
| Cash dividends to net income (ytd only)* | 63.6527% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7256% | 995 |
| Loan loss allowance to noncurrent loans | 3,536.2369% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 3,370 |
| Noncurrent loans to loans | 0.0488% | 3,733 |
| Net loans and leases to total assets | 70.2883% | 1,017 |
| Net loans and leases to deposits | 87.2565% | 694 |
| Net loans and leases to core deposits | 91.9965% | 880 |
| Total domestic deposits to total assets | 80.5537% | 4,160 |
| Equity capital to assets | 12.7174% | 988 |
| Core capital (leverage) ratio | 12.3794% | 966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0830% | 1,247 |
| Memoranda: | ||
| Average total assets | $807,605,600 | 1,151 |
| Average earning assets | $766,142,800 | 1,135 |
| Average equity | $102,405,000 | 995 |
| Average total loans | $600,642,000 | 1,015 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0606% | 1,401 |
| Cost of funding earning assets | 0.2701% | 2,896 |
| Net interest margin | 3.7904% | 1,136 |
| Noninterest income to average assets | 1.1405% | 876 |
| Noninterest expense to average assets | 2.8082% | 1,322 |
| Loan and lease loss provision to assets | 0.1020% | 1,181 |
| Net operating income to assets | 1.8237% | 634 |
| Return on assets (ROA) | 1.8272% | 660 |
| Pretax return on assets | 1.8272% | 1,101 |
| Return on Equity (ROE) | 14.4205% | 1,275 |
| Retained earnings to average equity (ytd only) | 11.5461% | 930 |
| Net charge-offs to loans | 0.0974% | 750 |
| Credit loss provision to net charge-offs | 139.4558% | 1,393 |
| Earnings coverage of net charge-offs (x) | 26.3288% | 1,598 |
| Efficiency ratio | 58.3365% | 3,216 |
| Assets per employee ($millions) | 6.0170% | 2,678 |
| Cash dividends to net income (ytd only)* | 19.9328% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6980% | 1,108 |
| Loan loss allowance to noncurrent loans | 1,427.1709% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 3,205 |
| Noncurrent loans to loans | 0.1190% | 3,496 |
| Net loans and leases to total assets | 73.7152% | 717 |
| Net loans and leases to deposits | 92.6761% | 460 |
| Net loans and leases to core deposits | 98.5178% | 644 |
| Total domestic deposits to total assets | 79.5407% | 4,293 |
| Equity capital to assets | 13.5944% | 825 |
| Core capital (leverage) ratio | 12.8834% | 872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8418% | 1,165 |
| Memoranda: | ||
| Average total assets | $803,924,500 | 1,165 |
| Average earning assets | $762,107,750 | 1,143 |
| Average equity | $101,861,500 | 1,018 |
| Average total loans | $603,764,750 | 1,024 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0201% | 1,525 |
| Cost of funding earning assets | 0.3056% | 2,734 |
| Net interest margin | 3.7144% | 1,315 |
| Noninterest income to average assets | 1.1106% | 918 |
| Noninterest expense to average assets | 2.7553% | 1,454 |
| Loan and lease loss provision to assets | 0.1346% | 913 |
| Net operating income to assets | 1.7408% | 816 |
| Return on assets (ROA) | 1.7458% | 852 |
| Pretax return on assets | 1.7458% | 1,371 |
| Return on Equity (ROE) | 14.1193% | 1,376 |
| Retained earnings to average equity (ytd only) | 14.1193% | 528 |
| Net charge-offs to loans | 0.1061% | 713 |
| Credit loss provision to net charge-offs | 168.8474% | 1,120 |
| Earnings coverage of net charge-offs (x) | 23.5202% | 1,461 |
| Efficiency ratio | 58.4969% | 3,214 |
| Assets per employee ($millions) | 6.0565% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6841% | 1,101 |
| Loan loss allowance to noncurrent loans | 1,336.4230% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 3,155 |
| Noncurrent loans to loans | 0.1260% | 3,557 |
| Net loans and leases to total assets | 73.6395% | 793 |
| Net loans and leases to deposits | 92.7888% | 504 |
| Net loans and leases to core deposits | 98.8099% | 692 |
| Total domestic deposits to total assets | 79.3625% | 4,306 |
| Equity capital to assets | 13.2074% | 889 |
| Core capital (leverage) ratio | 12.6221% | 883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2003% | 1,079 |
| Memoranda: | ||
| Average total assets | $805,144,333 | 1,150 |
| Average earning assets | $763,020,667 | 1,132 |
| Average equity | $99,551,667 | 1,027 |
| Average total loans | $604,984,000 | 1,028 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0142% | 1,581 |
| Cost of funding earning assets | 0.3446% | 2,570 |
| Net interest margin | 3.6697% | 1,400 |
| Noninterest income to average assets | 1.0799% | 1,011 |
| Noninterest expense to average assets | 2.6880% | 1,647 |
| Loan and lease loss provision to assets | 0.1586% | 805 |
| Net operating income to assets | 1.7129% | 918 |
| Return on assets (ROA) | 1.7124% | 970 |
| Pretax return on assets | 1.7124% | 1,463 |
| Return on Equity (ROE) | 14.3439% | 1,365 |
| Retained earnings to average equity (ytd only) | 14.3439% | 718 |
| Net charge-offs to loans | 0.1471% | 523 |
| Credit loss provision to net charge-offs | 143.2432% | 997 |
| Earnings coverage of net charge-offs (x) | 16.9009% | 1,306 |
| Efficiency ratio | 57.9258% | 3,310 |
| Assets per employee ($millions) | 6.6093% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 1,085 |
| Loan loss allowance to noncurrent loans | 496.1727% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 2,276 |
| Noncurrent loans to loans | 0.3395% | 2,880 |
| Net loans and leases to total assets | 72.0101% | 1,029 |
| Net loans and leases to deposits | 90.0408% | 695 |
| Net loans and leases to core deposits | 95.8446% | 891 |
| Total domestic deposits to total assets | 79.9750% | 4,206 |
| Equity capital to assets | 12.5554% | 1,062 |
| Core capital (leverage) ratio | 12.3921% | 1,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2173% | 1,040 |
| Memoranda: | ||
| Average total assets | $801,932,500 | 1,139 |
| Average earning assets | $760,395,500 | 1,124 |
| Average equity | $95,734,000 | 1,044 |
| Average total loans | $603,540,000 | 1,024 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5157% | 1,270 |
| Cost of funding earning assets | 0.6004% | 2,302 |
| Net interest margin | 3.9152% | 1,175 |
| Noninterest income to average assets | 1.1049% | 868 |
| Noninterest expense to average assets | 2.8664% | 1,770 |
| Loan and lease loss provision to assets | 0.4430% | 640 |
| Net operating income to assets | 1.4903% | 832 |
| Return on assets (ROA) | 1.5640% | 752 |
| Pretax return on assets | 1.5640% | 1,153 |
| Return on Equity (ROE) | 13.8843% | 844 |
| Retained earnings to average equity (ytd only) | 4.9542% | 2,295 |
| Net charge-offs to loans | 0.0484% | 2,103 |
| Credit loss provision to net charge-offs | 1,178.9474% | 690 |
| Earnings coverage of net charge-offs (x) | 51.4526% | 1,172 |
| Efficiency ratio | 58.6909% | 3,635 |
| Assets per employee ($millions) | 6.1757% | 2,188 |
| Cash dividends to net income (ytd only)* | 64.3176% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 1,163 |
| Loan loss allowance to noncurrent loans | 506.1142% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 2,539 |
| Noncurrent loans to loans | 0.3261% | 3,032 |
| Net loans and leases to total assets | 76.0910% | 781 |
| Net loans and leases to deposits | 96.4372% | 529 |
| Net loans and leases to core deposits | 106.6826% | 616 |
| Total domestic deposits to total assets | 78.9021% | 4,213 |
| Equity capital to assets | 11.2927% | 2,024 |
| Core capital (leverage) ratio | 10.4766% | 2,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1465% | 1,807 |
| Memoranda: | ||
| Average total assets | $758,507,800 | 1,097 |
| Average earning assets | $715,796,800 | 1,081 |
| Average equity | $85,442,000 | 1,091 |
| Average total loans | $589,037,200 | 998 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5210% | 1,519 |
| Cost of funding earning assets | 0.6613% | 2,258 |
| Net interest margin | 3.8598% | 1,447 |
| Noninterest income to average assets | 1.1011% | 854 |
| Noninterest expense to average assets | 2.8664% | 1,785 |
| Loan and lease loss provision to assets | 0.4069% | 852 |
| Net operating income to assets | 1.4663% | 968 |
| Return on assets (ROA) | 1.5520% | 884 |
| Pretax return on assets | 1.5520% | 1,321 |
| Return on Equity (ROE) | 13.7866% | 917 |
| Retained earnings to average equity (ytd only) | 7.1988% | 1,617 |
| Net charge-offs to loans | 0.0315% | 2,202 |
| Credit loss provision to net charge-offs | 1,663.0435% | 573 |
| Earnings coverage of net charge-offs (x) | 76.5652% | 947 |
| Efficiency ratio | 59.4262% | 3,462 |
| Assets per employee ($millions) | 6.2395% | 2,057 |
| Cash dividends to net income (ytd only)* | 47.7839% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 1,482 |
| Loan loss allowance to noncurrent loans | 411.4880% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.4132% | 2,513 |
| Noncurrent loans to loans | 0.3565% | 3,013 |
| Net loans and leases to total assets | 77.1228% | 944 |
| Net loans and leases to deposits | 98.1064% | 619 |
| Net loans and leases to core deposits | 111.3306% | 656 |
| Total domestic deposits to total assets | 78.6114% | 4,116 |
| Equity capital to assets | 11.1771% | 2,258 |
| Core capital (leverage) ratio | 10.4722% | 2,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6218% | 1,620 |
| Memoranda: | ||
| Average total assets | $752,056,000 | 1,093 |
| Average earning assets | $708,939,000 | 1,077 |
| Average equity | $84,660,000 | 1,093 |
| Average total loans | $584,594,250 | 995 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5089% | 1,887 |
| Cost of funding earning assets | 0.7486% | 2,130 |
| Net interest margin | 3.7602% | 1,956 |
| Noninterest income to average assets | 1.0818% | 851 |
| Noninterest expense to average assets | 2.8852% | 1,867 |
| Loan and lease loss provision to assets | 0.3547% | 1,187 |
| Net operating income to assets | 1.3807% | 1,154 |
| Return on assets (ROA) | 1.5118% | 978 |
| Pretax return on assets | 1.5118% | 1,424 |
| Return on Equity (ROE) | 13.3954% | 1,005 |
| Retained earnings to average equity (ytd only) | 7.1980% | 1,572 |
| Net charge-offs to loans | 0.0705% | 1,543 |
| Credit loss provision to net charge-offs | 648.5149% | 1,050 |
| Earnings coverage of net charge-offs (x) | 31.7277% | 1,389 |
| Efficiency ratio | 61.3455% | 3,226 |
| Assets per employee ($millions) | 5.8535% | 2,312 |
| Cash dividends to net income (ytd only)* | 46.2654% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 1,910 |
| Loan loss allowance to noncurrent loans | 429.2800% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 2,666 |
| Noncurrent loans to loans | 0.3075% | 3,282 |
| Net loans and leases to total assets | 76.7158% | 1,040 |
| Net loans and leases to deposits | 97.2308% | 711 |
| Net loans and leases to core deposits | 108.9090% | 774 |
| Total domestic deposits to total assets | 78.9008% | 4,052 |
| Equity capital to assets | 10.9942% | 2,343 |
| Core capital (leverage) ratio | 10.5179% | 2,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6831% | 1,575 |
| Memoranda: | ||
| Average total assets | $738,601,000 | 1,093 |
| Average earning assets | $695,121,667 | 1,085 |
| Average equity | $83,356,667 | 1,101 |
| Average total loans | $572,714,000 | 1,001 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5557% | 2,136 |
| Cost of funding earning assets | 0.9139% | 1,797 |
| Net interest margin | 3.6419% | 2,533 |
| Noninterest income to average assets | 1.0954% | 716 |
| Noninterest expense to average assets | 2.9710% | 1,955 |
| Loan and lease loss provision to assets | 0.1621% | 1,790 |
| Net operating income to assets | 1.3855% | 1,023 |
| Return on assets (ROA) | 1.3849% | 1,100 |
| Pretax return on assets | 1.3849% | 1,606 |
| Return on Equity (ROE) | 12.1000% | 1,074 |
| Retained earnings to average equity (ytd only) | 5.6642% | 2,007 |
| Net charge-offs to loans | 0.0628% | 1,385 |
| Credit loss provision to net charge-offs | 333.3333% | 1,098 |
| Earnings coverage of net charge-offs (x) | 31.8276% | 1,139 |
| Efficiency ratio | 64.5887% | 3,131 |
| Assets per employee ($millions) | 5.4693% | 2,156 |
| Cash dividends to net income (ytd only)* | 53.1881% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 2,152 |
| Loan loss allowance to noncurrent loans | 391.4521% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4324% | 2,733 |
| Noncurrent loans to loans | 0.3322% | 3,300 |
| Net loans and leases to total assets | 75.6753% | 1,357 |
| Net loans and leases to deposits | 96.4988% | 860 |
| Net loans and leases to core deposits | 111.8686% | 761 |
| Total domestic deposits to total assets | 78.4210% | 4,150 |
| Equity capital to assets | 11.4485% | 2,488 |
| Core capital (leverage) ratio | 11.0662% | 2,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4510% | 1,768 |
| Memoranda: | ||
| Average total assets | $715,718,500 | 1,092 |
| Average earning assets | $672,735,000 | 1,074 |
| Average equity | $81,917,500 | 1,113 |
| Average total loans | $554,180,000 | 1,003 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7316% | 2,236 |
| Cost of funding earning assets | 1.0516% | 1,505 |
| Net interest margin | 3.6801% | 2,871 |
| Noninterest income to average assets | 1.2430% | 610 |
| Noninterest expense to average assets | 2.9615% | 2,118 |
| Loan and lease loss provision to assets | 0.2361% | 806 |
| Net operating income to assets | 1.4908% | 1,080 |
| Return on assets (ROA) | 1.5727% | 950 |
| Pretax return on assets | 1.5727% | 1,577 |
| Return on Equity (ROE) | 13.6783% | 964 |
| Retained earnings to average equity (ytd only) | 5.8790% | 1,933 |
| Net charge-offs to loans | 0.1481% | 1,336 |
| Credit loss provision to net charge-offs | 211.2125% | 1,259 |
| Earnings coverage of net charge-offs (x) | 15.4485% | 2,232 |
| Efficiency ratio | 62.0007% | 3,382 |
| Assets per employee ($millions) | 5.6296% | 1,942 |
| Cash dividends to net income (ytd only)* | 57.0197% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 2,218 |
| Loan loss allowance to noncurrent loans | 387.5489% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.4663% | 2,541 |
| Noncurrent loans to loans | 0.3204% | 3,290 |
| Net loans and leases to total assets | 77.2181% | 1,223 |
| Net loans and leases to deposits | 100.4931% | 572 |
| Net loans and leases to core deposits | 119.3238% | 493 |
| Total domestic deposits to total assets | 76.8392% | 4,509 |
| Equity capital to assets | 11.4425% | 2,579 |
| Core capital (leverage) ratio | 10.9094% | 2,583 |
| Tier 1 risk-based capital ratio | 13.7143% | 3,408 |
| Total risk-based capital ratio | 14.9389% | 3,322 |
| Memoranda: | ||
| Average total assets | $686,149,800 | 1,090 |
| Average earning assets | $642,379,200 | 1,074 |
| Average equity | $78,891,600 | 1,102 |
| Average total loans | $517,928,000 | 1,044 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7103% | 2,386 |
| Cost of funding earning assets | 1.0641% | 1,489 |
| Net interest margin | 3.6463% | 3,108 |
| Noninterest income to average assets | 1.0659% | 807 |
| Noninterest expense to average assets | 2.9682% | 2,060 |
| Loan and lease loss provision to assets | 0.1610% | 1,159 |
| Net operating income to assets | 1.3477% | 1,653 |
| Return on assets (ROA) | 1.4589% | 1,357 |
| Pretax return on assets | 1.4589% | 2,081 |
| Return on Equity (ROE) | 12.6725% | 1,395 |
| Retained earnings to average equity (ytd only) | 4.8053% | 2,987 |
| Net charge-offs to loans | 0.1308% | 1,216 |
| Credit loss provision to net charge-offs | 164.6586% | 1,524 |
| Earnings coverage of net charge-offs (x) | 15.4278% | 2,183 |
| Efficiency ratio | 65.0671% | 2,851 |
| Assets per employee ($millions) | 5.8941% | 1,678 |
| Cash dividends to net income (ytd only)* | 62.0810% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 2,632 |
| Loan loss allowance to noncurrent loans | 341.1389% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 2,532 |
| Noncurrent loans to loans | 0.3447% | 3,301 |
| Net loans and leases to total assets | 75.5268% | 1,559 |
| Net loans and leases to deposits | 97.6526% | 857 |
| Net loans and leases to core deposits | 118.3309% | 584 |
| Total domestic deposits to total assets | 77.3423% | 4,468 |
| Equity capital to assets | 11.2704% | 2,861 |
| Core capital (leverage) ratio | 10.9041% | 2,734 |
| Tier 1 risk-based capital ratio | 13.5036% | 3,571 |
| Total risk-based capital ratio | 14.6453% | 3,535 |
| Memoranda: | ||
| Average total assets | $678,947,500 | 1,103 |
| Average earning assets | $635,156,750 | 1,087 |
| Average equity | $78,162,250 | 1,108 |
| Average total loans | $507,655,250 | 1,062 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6912% | 2,386 |
| Cost of funding earning assets | 1.0524% | 1,487 |
| Net interest margin | 3.6387% | 3,139 |
| Noninterest income to average assets | 1.0816% | 728 |
| Noninterest expense to average assets | 2.9952% | 2,021 |
| Loan and lease loss provision to assets | 0.1558% | 1,167 |
| Net operating income to assets | 1.3345% | 1,635 |
| Return on assets (ROA) | 1.4882% | 1,225 |
| Pretax return on assets | 1.4882% | 1,894 |
| Return on Equity (ROE) | 12.8308% | 1,297 |
| Retained earnings to average equity (ytd only) | 5.7270% | 2,404 |
| Net charge-offs to loans | 0.1410% | 1,087 |
| Credit loss provision to net charge-offs | 148.9971% | 1,501 |
| Earnings coverage of net charge-offs (x) | 14.2521% | 2,046 |
| Efficiency ratio | 65.5267% | 2,885 |
| Assets per employee ($millions) | 5.3112% | 2,139 |
| Cash dividends to net income (ytd only)* | 55.3654% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 2,451 |
| Loan loss allowance to noncurrent loans | 328.5564% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 2,478 |
| Noncurrent loans to loans | 0.3694% | 3,202 |
| Net loans and leases to total assets | 74.3459% | 1,834 |
| Net loans and leases to deposits | 92.9480% | 1,380 |
| Net loans and leases to core deposits | 112.4561% | 850 |
| Total domestic deposits to total assets | 79.9866% | 4,042 |
| Equity capital to assets | 11.6048% | 2,518 |
| Core capital (leverage) ratio | 11.1345% | 2,478 |
| Tier 1 risk-based capital ratio | 14.0191% | 3,311 |
| Total risk-based capital ratio | 15.1871% | 3,258 |
| Memoranda: | ||
| Average total assets | $667,534,330 | 1,115 |
| Average earning assets | $624,450,670 | 1,107 |
| Average equity | $77,423,330 | 1,113 |
| Average total loans | $495,188,000 | 1,088 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6456% | 2,396 |
| Cost of funding earning assets | 1.0038% | 1,552 |
| Net interest margin | 3.6417% | 3,105 |
| Noninterest income to average assets | 1.0815% | 684 |
| Noninterest expense to average assets | 3.0101% | 1,968 |
| Loan and lease loss provision to assets | 0.1457% | 1,167 |
| Net operating income to assets | 1.3292% | 1,600 |
| Return on assets (ROA) | 1.3304% | 1,632 |
| Pretax return on assets | 1.3304% | 2,330 |
| Return on Equity (ROE) | 11.4742% | 1,749 |
| Retained earnings to average equity (ytd only) | 4.2419% | 3,220 |
| Net charge-offs to loans | 0.1287% | 975 |
| Credit loss provision to net charge-offs | 153.8462% | 1,218 |
| Earnings coverage of net charge-offs (x) | 15.5705% | 1,734 |
| Efficiency ratio | 65.8408% | 2,963 |
| Assets per employee ($millions) | 5.2179% | 2,258 |
| Cash dividends to net income (ytd only)* | 63.0306% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 2,312 |
| Loan loss allowance to noncurrent loans | 239.5963% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 2,847 |
| Noncurrent loans to loans | 0.5226% | 2,750 |
| Net loans and leases to total assets | 72.8813% | 2,008 |
| Net loans and leases to deposits | 95.0618% | 1,056 |
| Net loans and leases to core deposits | 116.5502% | 632 |
| Total domestic deposits to total assets | 76.6672% | 4,687 |
| Equity capital to assets | 11.5962% | 2,313 |
| Core capital (leverage) ratio | 11.1998% | 2,393 |
| Tier 1 risk-based capital ratio | 14.4537% | 3,115 |
| Total risk-based capital ratio | 15.6653% | 3,067 |
| Memoranda: | ||
| Average total assets | $658,726,500 | 1,138 |
| Average earning assets | $615,639,000 | 1,122 |
| Average equity | $76,380,000 | 1,122 |
| Average total loans | $484,962,000 | 1,111 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5013% | 2,455 |
| Cost of funding earning assets | 0.6903% | 2,148 |
| Net interest margin | 3.8110% | 2,631 |
| Noninterest income to average assets | 1.1129% | 741 |
| Noninterest expense to average assets | 3.0820% | 1,849 |
| Loan and lease loss provision to assets | 0.1135% | 1,942 |
| Net operating income to assets | 1.4740% | 1,192 |
| Return on assets (ROA) | 1.4724% | 1,190 |
| Pretax return on assets | 1.4724% | 1,867 |
| Return on Equity (ROE) | 12.5599% | 1,524 |
| Retained earnings to average equity (ytd only) | 1.4640% | 4,547 |
| Net charge-offs to loans | 0.1597% | 1,207 |
| Credit loss provision to net charge-offs | 96.9251% | 2,610 |
| Earnings coverage of net charge-offs (x) | 13.5535% | 2,448 |
| Efficiency ratio | 64.7887% | 3,069 |
| Assets per employee ($millions) | 4.9585% | 2,555 |
| Cash dividends to net income (ytd only)* | 88.3441% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 2,162 |
| Loan loss allowance to noncurrent loans | 285.5535% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 2,971 |
| Noncurrent loans to loans | 0.4470% | 2,936 |
| Net loans and leases to total assets | 72.4945% | 2,178 |
| Net loans and leases to deposits | 94.3024% | 1,243 |
| Net loans and leases to core deposits | 112.4812% | 859 |
| Total domestic deposits to total assets | 76.8745% | 4,646 |
| Equity capital to assets | 11.5939% | 2,182 |
| Core capital (leverage) ratio | 11.3173% | 2,255 |
| Tier 1 risk-based capital ratio | 14.9784% | 2,838 |
| Total risk-based capital ratio | 16.2264% | 2,769 |
| Memoranda: | ||
| Average total assets | $638,602,200 | 1,139 |
| Average earning assets | $595,989,800 | 1,121 |
| Average equity | $74,865,400 | 1,094 |
| Average total loans | $468,464,600 | 1,112 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4578% | 2,440 |
| Cost of funding earning assets | 0.6240% | 2,310 |
| Net interest margin | 3.8339% | 2,511 |
| Noninterest income to average assets | 1.1700% | 689 |
| Noninterest expense to average assets | 3.1153% | 1,727 |
| Loan and lease loss provision to assets | 0.1206% | 1,678 |
| Net operating income to assets | 1.5133% | 1,164 |
| Return on assets (ROA) | 1.5118% | 1,162 |
| Pretax return on assets | 1.5118% | 1,862 |
| Return on Equity (ROE) | 12.8596% | 1,483 |
| Retained earnings to average equity (ytd only) | 0.6421% | 4,923 |
| Net charge-offs to loans | 0.1701% | 973 |
| Credit loss provision to net charge-offs | 96.6387% | 2,342 |
| Earnings coverage of net charge-offs (x) | 13.0959% | 2,396 |
| Efficiency ratio | 64.4002% | 3,116 |
| Assets per employee ($millions) | 4.8793% | 2,619 |
| Cash dividends to net income (ytd only)* | 95.0070% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 2,096 |
| Loan loss allowance to noncurrent loans | 250.5553% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.4237% | 2,996 |
| Noncurrent loans to loans | 0.5185% | 2,829 |
| Net loans and leases to total assets | 72.3923% | 2,272 |
| Net loans and leases to deposits | 95.5758% | 1,200 |
| Net loans and leases to core deposits | 116.7754% | 678 |
| Total domestic deposits to total assets | 75.7433% | 4,816 |
| Equity capital to assets | 11.5793% | 2,202 |
| Core capital (leverage) ratio | 11.3377% | 2,299 |
| Tier 1 risk-based capital ratio | 14.9221% | 2,922 |
| Total risk-based capital ratio | 16.1720% | 2,835 |
| Memoranda: | ||
| Average total assets | $635,861,750 | 1,143 |
| Average earning assets | $593,607,250 | 1,126 |
| Average equity | $74,754,250 | 1,095 |
| Average total loans | $466,334,250 | 1,113 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3858% | 2,467 |
| Cost of funding earning assets | 0.5659% | 2,470 |
| Net interest margin | 3.8199% | 2,499 |
| Noninterest income to average assets | 1.1532% | 728 |
| Noninterest expense to average assets | 3.0717% | 1,856 |
| Loan and lease loss provision to assets | 0.1339% | 1,472 |
| Net operating income to assets | 1.5206% | 1,107 |
| Return on assets (ROA) | 1.5187% | 1,111 |
| Pretax return on assets | 1.5187% | 1,750 |
| Return on Equity (ROE) | 12.8531% | 1,421 |
| Retained earnings to average equity (ytd only) | -1.2800% | 5,098 |
| Net charge-offs to loans | 0.1740% | 891 |
| Credit loss provision to net charge-offs | 104.9383% | 1,949 |
| Earnings coverage of net charge-offs (x) | 12.9654% | 2,172 |
| Efficiency ratio | 63.7867% | 3,349 |
| Assets per employee ($millions) | 4.9149% | 2,533 |
| Cash dividends to net income (ytd only)* | 109.9585% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 2,079 |
| Loan loss allowance to noncurrent loans | 288.3819% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.3738% | 3,249 |
| Noncurrent loans to loans | 0.4574% | 3,066 |
| Net loans and leases to total assets | 72.3409% | 2,224 |
| Net loans and leases to deposits | 96.4682% | 1,099 |
| Net loans and leases to core deposits | 112.4422% | 862 |
| Total domestic deposits to total assets | 74.9894% | 4,959 |
| Equity capital to assets | 11.6495% | 2,090 |
| Core capital (leverage) ratio | 11.2771% | 2,279 |
| Tier 1 risk-based capital ratio | 14.9144% | 2,913 |
| Total risk-based capital ratio | 16.1648% | 2,836 |
| Memoranda: | ||
| Average total assets | $634,754,670 | 1,148 |
| Average earning assets | $593,733,670 | 1,130 |
| Average equity | $75,001,330 | 1,088 |
| Average total loans | $465,509,000 | 1,124 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3235% | 2,442 |
| Cost of funding earning assets | 0.5109% | 2,715 |
| Net interest margin | 3.8126% | 2,371 |
| Noninterest income to average assets | 1.1021% | 763 |
| Noninterest expense to average assets | 3.0583% | 1,924 |
| Loan and lease loss provision to assets | 0.1417% | 1,329 |
| Net operating income to assets | 1.4737% | 1,134 |
| Return on assets (ROA) | 1.4662% | 1,160 |
| Pretax return on assets | 1.4662% | 1,780 |
| Return on Equity (ROE) | 12.3220% | 1,463 |
| Retained earnings to average equity (ytd only) | 4.2767% | 3,474 |
| Net charge-offs to loans | 0.2396% | 639 |
| Credit loss provision to net charge-offs | 80.6452% | 1,745 |
| Earnings coverage of net charge-offs (x) | 9.1935% | 1,981 |
| Efficiency ratio | 64.2232% | 3,443 |
| Assets per employee ($millions) | 5.0157% | 2,479 |
| Cash dividends to net income (ytd only)* | 65.2921% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 2,186 |
| Loan loss allowance to noncurrent loans | 281.5900% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.3863% | 3,292 |
| Noncurrent loans to loans | 0.4660% | 3,132 |
| Net loans and leases to total assets | 72.0751% | 2,157 |
| Net loans and leases to deposits | 95.3335% | 1,090 |
| Net loans and leases to core deposits | 114.0851% | 803 |
| Total domestic deposits to total assets | 75.6031% | 5,008 |
| Equity capital to assets | 11.9296% | 1,842 |
| Core capital (leverage) ratio | 11.4954% | 2,019 |
| Tier 1 risk-based capital ratio | 15.0667% | 2,838 |
| Total risk-based capital ratio | 16.3167% | 2,777 |
| Memoranda: | ||
| Average total assets | $635,122,500 | 1,158 |
| Average earning assets | $594,981,000 | 1,139 |
| Average equity | $75,572,000 | 1,088 |
| Average total loans | $465,870,500 | 1,126 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3252% | 2,246 |
| Cost of funding earning assets | 0.3528% | 3,688 |
| Net interest margin | 3.9724% | 1,835 |
| Noninterest income to average assets | 1.1201% | 811 |
| Noninterest expense to average assets | 3.0433% | 2,034 |
| Loan and lease loss provision to assets | 0.1432% | 1,585 |
| Net operating income to assets | 1.6613% | 571 |
| Return on assets (ROA) | 1.6921% | 549 |
| Pretax return on assets | 1.6921% | 1,025 |
| Return on Equity (ROE) | 14.1864% | 732 |
| Retained earnings to average equity (ytd only) | 3.0208% | 3,492 |
| Net charge-offs to loans | 0.1026% | 2,044 |
| Credit loss provision to net charge-offs | 192.7195% | 1,410 |
| Earnings coverage of net charge-offs (x) | 24.2891% | 1,763 |
| Efficiency ratio | 61.6854% | 3,986 |
| Assets per employee ($millions) | 5.0656% | 2,406 |
| Cash dividends to net income (ytd only)* | 78.7064% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 2,218 |
| Loan loss allowance to noncurrent loans | 232.8887% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 3,066 |
| Noncurrent loans to loans | 0.5581% | 2,826 |
| Net loans and leases to total assets | 72.7085% | 2,132 |
| Net loans and leases to deposits | 97.9932% | 903 |
| Net loans and leases to core deposits | 115.3345% | 742 |
| Total domestic deposits to total assets | 74.1975% | 5,165 |
| Equity capital to assets | 11.8683% | 1,929 |
| Core capital (leverage) ratio | 11.2690% | 2,115 |
| Tier 1 risk-based capital ratio | 14.6471% | 3,012 |
| Total risk-based capital ratio | 15.8958% | 2,940 |
| Memoranda: | ||
| Average total assets | $628,617,400 | 1,146 |
| Average earning assets | $589,895,600 | 1,133 |
| Average equity | $74,980,400 | 1,069 |
| Average total loans | $455,188,000 | 1,114 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2976% | 2,267 |
| Cost of funding earning assets | 0.3264% | 3,878 |
| Net interest margin | 3.9712% | 1,801 |
| Noninterest income to average assets | 1.1304% | 791 |
| Noninterest expense to average assets | 3.0762% | 1,874 |
| Loan and lease loss provision to assets | 0.1437% | 1,467 |
| Net operating income to assets | 1.6358% | 655 |
| Return on assets (ROA) | 1.6867% | 609 |
| Pretax return on assets | 1.6867% | 1,158 |
| Return on Equity (ROE) | 14.1232% | 807 |
| Retained earnings to average equity (ytd only) | 2.8007% | 4,239 |
| Net charge-offs to loans | 0.1108% | 1,683 |
| Credit loss provision to net charge-offs | 180.0000% | 1,475 |
| Earnings coverage of net charge-offs (x) | 22.2879% | 1,871 |
| Efficiency ratio | 62.2555% | 3,841 |
| Assets per employee ($millions) | 4.9625% | 2,501 |
| Cash dividends to net income (ytd only)* | 80.1692% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 2,338 |
| Loan loss allowance to noncurrent loans | 274.4720% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3469% | 3,653 |
| Noncurrent loans to loans | 0.4751% | 3,261 |
| Net loans and leases to total assets | 71.7912% | 2,285 |
| Net loans and leases to deposits | 97.5163% | 965 |
| Net loans and leases to core deposits | 111.0513% | 974 |
| Total domestic deposits to total assets | 73.6198% | 5,265 |
| Equity capital to assets | 12.0617% | 1,924 |
| Core capital (leverage) ratio | 11.2400% | 2,228 |
| Tier 1 risk-based capital ratio | 14.8447% | 2,990 |
| Total risk-based capital ratio | 16.0946% | 2,917 |
| Memoranda: | ||
| Average total assets | $626,204,000 | 1,158 |
| Average earning assets | $587,446,250 | 1,140 |
| Average equity | $74,787,500 | 1,076 |
| Average total loans | $451,438,000 | 1,128 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2418% | 2,317 |
| Cost of funding earning assets | 0.2861% | 4,226 |
| Net interest margin | 3.9557% | 1,754 |
| Noninterest income to average assets | 1.1055% | 820 |
| Noninterest expense to average assets | 3.0666% | 1,920 |
| Loan and lease loss provision to assets | 0.1440% | 1,417 |
| Net operating income to assets | 1.6039% | 704 |
| Return on assets (ROA) | 1.6775% | 606 |
| Pretax return on assets | 1.6775% | 1,110 |
| Return on Equity (ROE) | 14.0929% | 799 |
| Retained earnings to average equity (ytd only) | 1.7613% | 4,543 |
| Net charge-offs to loans | 0.0748% | 1,872 |
| Credit loss provision to net charge-offs | 267.8571% | 1,035 |
| Earnings coverage of net charge-offs (x) | 32.5060% | 1,412 |
| Efficiency ratio | 62.5914% | 3,889 |
| Assets per employee ($millions) | 4.8085% | 2,637 |
| Cash dividends to net income (ytd only)* | 87.5024% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 2,460 |
| Loan loss allowance to noncurrent loans | 293.0187% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.4361% | 3,371 |
| Noncurrent loans to loans | 0.4405% | 3,433 |
| Net loans and leases to total assets | 71.8140% | 2,234 |
| Net loans and leases to deposits | 96.7160% | 1,006 |
| Net loans and leases to core deposits | 110.8117% | 964 |
| Total domestic deposits to total assets | 74.2524% | 5,268 |
| Equity capital to assets | 11.8655% | 2,030 |
| Core capital (leverage) ratio | 11.2292% | 2,199 |
| Tier 1 risk-based capital ratio | 14.6131% | 3,105 |
| Total risk-based capital ratio | 15.8590% | 3,026 |
| Memoranda: | ||
| Average total assets | $624,861,000 | 1,164 |
| Average earning assets | $585,888,670 | 1,148 |
| Average equity | $74,377,670 | 1,083 |
| Average total loans | $449,107,330 | 1,137 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1811% | 2,333 |
| Cost of funding earning assets | 0.2460% | 4,570 |
| Net interest margin | 3.9351% | 1,653 |
| Noninterest income to average assets | 1.1182% | 795 |
| Noninterest expense to average assets | 3.0384% | 2,059 |
| Loan and lease loss provision to assets | 0.1452% | 1,290 |
| Net operating income to assets | 1.6195% | 650 |
| Return on assets (ROA) | 1.7712% | 485 |
| Pretax return on assets | 1.7712% | 858 |
| Return on Equity (ROE) | 14.8558% | 666 |
| Retained earnings to average equity (ytd only) | -0.2489% | 4,960 |
| Net charge-offs to loans | 0.0777% | 1,558 |
| Credit loss provision to net charge-offs | 261.6279% | 859 |
| Earnings coverage of net charge-offs (x) | 31.8023% | 1,181 |
| Efficiency ratio | 62.1440% | 4,129 |
| Assets per employee ($millions) | 4.7845% | 2,723 |
| Cash dividends to net income (ytd only)* | 101.6758% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 2,531 |
| Loan loss allowance to noncurrent loans | 260.0358% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.5071% | 3,196 |
| Noncurrent loans to loans | 0.5003% | 3,304 |
| Net loans and leases to total assets | 70.9548% | 2,226 |
| Net loans and leases to deposits | 93.5225% | 1,161 |
| Net loans and leases to core deposits | 105.1397% | 1,154 |
| Total domestic deposits to total assets | 75.8693% | 5,244 |
| Equity capital to assets | 11.8963% | 1,908 |
| Core capital (leverage) ratio | 11.3487% | 2,064 |
| Tier 1 risk-based capital ratio | 14.7122% | 3,107 |
| Total risk-based capital ratio | 15.9503% | 3,040 |
| Memoranda: | ||
| Average total assets | $619,933,500 | 1,170 |
| Average earning assets | $580,521,000 | 1,160 |
| Average equity | $73,910,500 | 1,085 |
| Average total loans | $442,773,500 | 1,152 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3084% | 2,112 |
| Cost of funding earning assets | 0.1878% | 5,131 |
| Net interest margin | 4.1206% | 1,332 |
| Noninterest income to average assets | 1.1673% | 831 |
| Noninterest expense to average assets | 3.1262% | 1,963 |
| Loan and lease loss provision to assets | 0.1586% | 1,563 |
| Net operating income to assets | 1.7391% | 498 |
| Return on assets (ROA) | 1.7450% | 519 |
| Pretax return on assets | 1.7450% | 905 |
| Return on Equity (ROE) | 13.7168% | 820 |
| Retained earnings to average equity (ytd only) | 0.5900% | 5,094 |
| Net charge-offs to loans | 0.1538% | 1,727 |
| Credit loss provision to net charge-offs | 145.9627% | 1,874 |
| Earnings coverage of net charge-offs (x) | 17.4689% | 2,044 |
| Efficiency ratio | 61.1087% | 4,395 |
| Assets per employee ($millions) | 4.8272% | 2,606 |
| Cash dividends to net income (ytd only)* | 95.6984% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 2,571 |
| Loan loss allowance to noncurrent loans | 241.8228% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.5352% | 3,138 |
| Noncurrent loans to loans | 0.5356% | 3,246 |
| Net loans and leases to total assets | 70.0334% | 2,463 |
| Net loans and leases to deposits | 92.8790% | 1,314 |
| Net loans and leases to core deposits | 104.5252% | 1,242 |
| Total domestic deposits to total assets | 75.4028% | 5,309 |
| Equity capital to assets | 11.9485% | 1,843 |
| Core capital (leverage) ratio | 11.5953% | 1,866 |
| Tier 1 risk-based capital ratio | 14.8563% | 3,025 |
| Total risk-based capital ratio | 16.0774% | 2,984 |
| Memoranda: | ||
| Average total assets | $592,834,800 | 1,181 |
| Average earning assets | $554,840,600 | 1,159 |
| Average equity | $75,418,200 | 1,053 |
| Average total loans | $418,614,400 | 1,166 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 2,066 |
| Cost of funding earning assets | 0.1846% | 5,225 |
| Net interest margin | 4.1488% | 1,257 |
| Noninterest income to average assets | 1.1856% | 825 |
| Noninterest expense to average assets | 3.1629% | 1,871 |
| Loan and lease loss provision to assets | 0.1534% | 1,523 |
| Net operating income to assets | 1.7518% | 533 |
| Return on assets (ROA) | 1.7618% | 556 |
| Pretax return on assets | 1.7618% | 974 |
| Return on Equity (ROE) | 13.6310% | 891 |
| Retained earnings to average equity (ytd only) | -0.6454% | 5,451 |
| Net charge-offs to loans | 0.1199% | 1,752 |
| Credit loss provision to net charge-offs | 181.4516% | 1,548 |
| Earnings coverage of net charge-offs (x) | 22.5321% | 1,753 |
| Efficiency ratio | 61.2863% | 4,336 |
| Assets per employee ($millions) | 4.6162% | 2,901 |
| Cash dividends to net income (ytd only)* | 104.7349% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 2,425 |
| Loan loss allowance to noncurrent loans | 291.8378% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.4840% | 3,499 |
| Noncurrent loans to loans | 0.4635% | 3,626 |
| Net loans and leases to total assets | 69.6276% | 2,547 |
| Net loans and leases to deposits | 94.5756% | 1,199 |
| Net loans and leases to core deposits | 105.6544% | 1,216 |
| Total domestic deposits to total assets | 73.6211% | 5,467 |
| Equity capital to assets | 12.7607% | 1,614 |
| Core capital (leverage) ratio | 11.6678% | 1,914 |
| Tier 1 risk-based capital ratio | 15.4118% | 2,868 |
| Total risk-based capital ratio | 16.6621% | 2,798 |
| Memoranda: | ||
| Average total assets | $586,572,500 | 1,194 |
| Average earning assets | $548,926,250 | 1,172 |
| Average equity | $75,815,750 | 1,052 |
| Average total loans | $413,667,250 | 1,178 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3440% | 2,005 |
| Cost of funding earning assets | 0.1813% | 5,305 |
| Net interest margin | 4.1627% | 1,196 |
| Noninterest income to average assets | 1.1402% | 857 |
| Noninterest expense to average assets | 3.1323% | 1,969 |
| Loan and lease loss provision to assets | 0.1542% | 1,484 |
| Net operating income to assets | 1.7485% | 524 |
| Return on assets (ROA) | 1.7653% | 540 |
| Pretax return on assets | 1.7653% | 947 |
| Return on Equity (ROE) | 13.5986% | 905 |
| Retained earnings to average equity (ytd only) | -0.4409% | 5,359 |
| Net charge-offs to loans | 0.0457% | 2,561 |
| Credit loss provision to net charge-offs | 478.7234% | 681 |
| Earnings coverage of net charge-offs (x) | 59.0638% | 894 |
| Efficiency ratio | 61.0809% | 4,500 |
| Assets per employee ($millions) | 4.6039% | 2,862 |
| Cash dividends to net income (ytd only)* | 103.2421% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 2,446 |
| Loan loss allowance to noncurrent loans | 385.8776% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 3,958 |
| Noncurrent loans to loans | 0.3545% | 4,099 |
| Net loans and leases to total assets | 69.6546% | 2,526 |
| Net loans and leases to deposits | 93.7902% | 1,309 |
| Net loans and leases to core deposits | 106.5657% | 1,134 |
| Total domestic deposits to total assets | 74.2664% | 5,489 |
| Equity capital to assets | 12.9454% | 1,536 |
| Core capital (leverage) ratio | 11.6904% | 1,852 |
| Tier 1 risk-based capital ratio | 15.3626% | 2,924 |
| Total risk-based capital ratio | 16.6129% | 2,855 |
| Memoranda: | ||
| Average total assets | $583,599,330 | 1,204 |
| Average earning assets | $546,042,670 | 1,188 |
| Average equity | $75,758,000 | 1,055 |
| Average total loans | $411,452,330 | 1,181 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3459% | 1,975 |
| Cost of funding earning assets | 0.1716% | 5,452 |
| Net interest margin | 4.1743% | 1,160 |
| Noninterest income to average assets | 1.1182% | 874 |
| Noninterest expense to average assets | 3.1547% | 1,944 |
| Loan and lease loss provision to assets | 0.1556% | 1,346 |
| Net operating income to assets | 1.7101% | 564 |
| Return on assets (ROA) | 1.7454% | 556 |
| Pretax return on assets | 1.7454% | 951 |
| Return on Equity (ROE) | 13.4264% | 938 |
| Retained earnings to average equity (ytd only) | -1.6544% | 5,351 |
| Net charge-offs to loans | 0.0501% | 2,040 |
| Credit loss provision to net charge-offs | 441.1765% | 659 |
| Earnings coverage of net charge-offs (x) | 52.9020% | 846 |
| Efficiency ratio | 61.6942% | 4,489 |
| Assets per employee ($millions) | 4.4937% | 3,081 |
| Cash dividends to net income (ytd only)* | 112.3217% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 2,632 |
| Loan loss allowance to noncurrent loans | 321.3418% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 3,975 |
| Noncurrent loans to loans | 0.4215% | 3,931 |
| Net loans and leases to total assets | 69.7966% | 2,376 |
| Net loans and leases to deposits | 95.5388% | 986 |
| Net loans and leases to core deposits | 109.1654% | 893 |
| Total domestic deposits to total assets | 73.0558% | 5,700 |
| Equity capital to assets | 13.0080% | 1,403 |
| Core capital (leverage) ratio | 11.8669% | 1,698 |
| Tier 1 risk-based capital ratio | 15.6487% | 2,845 |
| Total risk-based capital ratio | 16.8989% | 2,773 |
| Memoranda: | ||
| Average total assets | $578,444,500 | 1,212 |
| Average earning assets | $540,741,500 | 1,203 |
| Average equity | $75,195,000 | 1,057 |
| Average total loans | $407,467,000 | 1,188 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3198% | 2,151 |
| Cost of funding earning assets | 0.1412% | 5,740 |
| Net interest margin | 4.1786% | 1,213 |
| Noninterest income to average assets | 1.1892% | 847 |
| Noninterest expense to average assets | 3.1795% | 2,010 |
| Loan and lease loss provision to assets | 0.1292% | 1,865 |
| Net operating income to assets | 1.7685% | 507 |
| Return on assets (ROA) | 1.8072% | 489 |
| Pretax return on assets | 1.8072% | 795 |
| Return on Equity (ROE) | 13.6222% | 926 |
| Retained earnings to average equity (ytd only) | 4.3257% | 2,898 |
| Net charge-offs to loans | 0.2744% | 1,104 |
| Credit loss provision to net charge-offs | 68.5062% | 3,148 |
| Earnings coverage of net charge-offs (x) | 10.0618% | 2,741 |
| Efficiency ratio | 61.4463% | 4,694 |
| Assets per employee ($millions) | 4.4061% | 3,205 |
| Cash dividends to net income (ytd only)* | 68.2455% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 2,760 |
| Loan loss allowance to noncurrent loans | 268.6970% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4645% | 3,750 |
| Noncurrent loans to loans | 0.4948% | 3,712 |
| Net loans and leases to total assets | 69.1949% | 2,501 |
| Net loans and leases to deposits | 95.1922% | 1,096 |
| Net loans and leases to core deposits | 103.4126% | 1,264 |
| Total domestic deposits to total assets | 72.6897% | 5,752 |
| Equity capital to assets | 12.9910% | 1,352 |
| Core capital (leverage) ratio | 12.1484% | 1,530 |
| Tier 1 risk-based capital ratio | 16.3259% | 2,556 |
| Total risk-based capital ratio | 17.5763% | 2,515 |
| Memoranda: | ||
| Average total assets | $557,258,200 | 1,221 |
| Average earning assets | $518,493,400 | 1,212 |
| Average equity | $73,930,800 | 1,032 |
| Average total loans | $383,043,400 | 1,205 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3309% | 2,136 |
| Cost of funding earning assets | 0.1413% | 5,838 |
| Net interest margin | 4.1896% | 1,188 |
| Noninterest income to average assets | 1.2677% | 751 |
| Noninterest expense to average assets | 3.2075% | 1,949 |
| Loan and lease loss provision to assets | 0.1219% | 1,865 |
| Net operating income to assets | 1.8336% | 483 |
| Return on assets (ROA) | 1.8597% | 479 |
| Pretax return on assets | 1.8597% | 785 |
| Return on Equity (ROE) | 13.9416% | 921 |
| Retained earnings to average equity (ytd only) | 4.7166% | 3,112 |
| Net charge-offs to loans | 0.2747% | 973 |
| Credit loss provision to net charge-offs | 64.9100% | 2,845 |
| Earnings coverage of net charge-offs (x) | 10.4113% | 2,600 |
| Efficiency ratio | 60.9558% | 4,740 |
| Assets per employee ($millions) | 4.4965% | 3,014 |
| Cash dividends to net income (ytd only)* | 66.1690% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 2,449 |
| Loan loss allowance to noncurrent loans | 311.0349% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 4,266 |
| Noncurrent loans to loans | 0.4602% | 3,981 |
| Net loans and leases to total assets | 66.6493% | 2,910 |
| Net loans and leases to deposits | 91.0816% | 1,516 |
| Net loans and leases to core deposits | 99.1032% | 1,593 |
| Total domestic deposits to total assets | 73.1754% | 5,774 |
| Equity capital to assets | 13.3742% | 1,284 |
| Core capital (leverage) ratio | 12.4324% | 1,450 |
| Tier 1 risk-based capital ratio | 17.4684% | 2,199 |
| Total risk-based capital ratio | 18.7201% | 2,149 |
| Memoranda: | ||
| Average total assets | $552,273,000 | 1,238 |
| Average earning assets | $513,479,750 | 1,229 |
| Average equity | $73,667,500 | 1,043 |
| Average total loans | $377,610,750 | 1,220 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4019% | 1,847 |
| Cost of funding earning assets | 0.1446% | 5,894 |
| Net interest margin | 4.2573% | 1,002 |
| Noninterest income to average assets | 1.2517% | 777 |
| Noninterest expense to average assets | 3.1817% | 2,029 |
| Loan and lease loss provision to assets | 0.1275% | 1,744 |
| Net operating income to assets | 1.8994% | 434 |
| Return on assets (ROA) | 1.9417% | 421 |
| Pretax return on assets | 1.9417% | 676 |
| Return on Equity (ROE) | 14.5696% | 806 |
| Retained earnings to average equity (ytd only) | 5.2374% | 2,710 |
| Net charge-offs to loans | 0.2044% | 1,235 |
| Credit loss provision to net charge-offs | 90.9091% | 2,189 |
| Earnings coverage of net charge-offs (x) | 14.4519% | 2,057 |
| Efficiency ratio | 59.9245% | 4,992 |
| Assets per employee ($millions) | 4.2020% | 3,466 |
| Cash dividends to net income (ytd only)* | 64.0525% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 2,226 |
| Loan loss allowance to noncurrent loans | 382.6146% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 4,506 |
| Noncurrent loans to loans | 0.3960% | 4,296 |
| Net loans and leases to total assets | 67.5600% | 2,706 |
| Net loans and leases to deposits | 88.9463% | 1,726 |
| Net loans and leases to core deposits | 97.4385% | 1,695 |
| Total domestic deposits to total assets | 75.9559% | 5,601 |
| Equity capital to assets | 13.4462% | 1,193 |
| Core capital (leverage) ratio | 12.4105% | 1,427 |
| Tier 1 risk-based capital ratio | 17.6034% | 2,185 |
| Total risk-based capital ratio | 18.8561% | 2,136 |
| Memoranda: | ||
| Average total assets | $549,008,670 | 1,248 |
| Average earning assets | $510,279,000 | 1,239 |
| Average equity | $73,166,000 | 1,052 |
| Average total loans | $376,796,670 | 1,223 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3913% | 1,797 |
| Cost of funding earning assets | 0.1461% | 5,958 |
| Net interest margin | 4.2452% | 983 |
| Noninterest income to average assets | 1.1934% | 799 |
| Noninterest expense to average assets | 3.1178% | 2,212 |
| Loan and lease loss provision to assets | 0.1308% | 1,584 |
| Net operating income to assets | 1.8932% | 408 |
| Return on assets (ROA) | 1.9332% | 404 |
| Pretax return on assets | 1.9332% | 671 |
| Return on Equity (ROE) | 14.5708% | 778 |
| Retained earnings to average equity (ytd only) | 5.2860% | 2,898 |
| Net charge-offs to loans | 0.0635% | 2,112 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 46.4167% | 887 |
| Efficiency ratio | 59.4629% | 5,161 |
| Assets per employee ($millions) | 4.3689% | 3,251 |
| Cash dividends to net income (ytd only)* | 63.7218% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5448% | 2,254 |
| Loan loss allowance to noncurrent loans | 228.7451% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 3,934 |
| Noncurrent loans to loans | 0.6754% | 3,595 |
| Net loans and leases to total assets | 67.0002% | 2,607 |
| Net loans and leases to deposits | 89.9193% | 1,403 |
| Net loans and leases to core deposits | 98.5272% | 1,426 |
| Total domestic deposits to total assets | 74.5114% | 5,866 |
| Equity capital to assets | 13.3192% | 1,252 |
| Core capital (leverage) ratio | 12.1752% | 1,528 |
| Tier 1 risk-based capital ratio | 17.0503% | 2,462 |
| Total risk-based capital ratio | 18.3035% | 2,420 |
| Memoranda: | ||
| Average total assets | $550,381,000 | 1,252 |
| Average earning assets | $511,920,000 | 1,241 |
| Average equity | $73,023,000 | 1,054 |
| Average total loans | $377,828,000 | 1,219 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5013% | 1,858 |
| Cost of funding earning assets | 0.1708% | 5,977 |
| Net interest margin | 4.3305% | 1,004 |
| Noninterest income to average assets | 1.1431% | 928 |
| Noninterest expense to average assets | 3.1464% | 2,373 |
| Loan and lease loss provision to assets | 0.1126% | 2,290 |
| Net operating income to assets | 1.8981% | 392 |
| Return on assets (ROA) | 1.9315% | 386 |
| Pretax return on assets | 1.9315% | 594 |
| Return on Equity (ROE) | 14.9287% | 790 |
| Retained earnings to average equity (ytd only) | 4.5488% | 2,934 |
| Net charge-offs to loans | 0.1861% | 2,183 |
| Credit loss provision to net charge-offs | 88.6628% | 2,673 |
| Earnings coverage of net charge-offs (x) | 15.8358% | 2,058 |
| Efficiency ratio | 61.0113% | 5,068 |
| Assets per employee ($millions) | 4.3327% | 3,298 |
| Cash dividends to net income (ytd only)* | 69.5299% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 2,422 |
| Loan loss allowance to noncurrent loans | 209.7283% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.5644% | 3,914 |
| Noncurrent loans to loans | 0.7205% | 3,523 |
| Net loans and leases to total assets | 68.2087% | 2,526 |
| Net loans and leases to deposits | 92.8820% | 1,197 |
| Net loans and leases to core deposits | 101.2026% | 1,304 |
| Total domestic deposits to total assets | 73.4359% | 5,986 |
| Equity capital to assets | 13.2154% | 1,267 |
| Core capital (leverage) ratio | 12.1937% | 1,502 |
| Tier 1 risk-based capital ratio | 17.5388% | 2,303 |
| Total risk-based capital ratio | 18.7925% | 2,265 |
| Memoranda: | ||
| Average total assets | $541,858,000 | 1,235 |
| Average earning assets | $502,255,800 | 1,223 |
| Average equity | $70,106,800 | 1,047 |
| Average total loans | $369,710,600 | 1,194 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5092% | 1,836 |
| Cost of funding earning assets | 0.1742% | 6,040 |
| Net interest margin | 4.3349% | 981 |
| Noninterest income to average assets | 1.1288% | 951 |
| Noninterest expense to average assets | 3.1676% | 2,272 |
| Loan and lease loss provision to assets | 0.1011% | 2,348 |
| Net operating income to assets | 1.8773% | 440 |
| Return on assets (ROA) | 1.9244% | 415 |
| Pretax return on assets | 1.9244% | 678 |
| Return on Equity (ROE) | 14.9542% | 837 |
| Retained earnings to average equity (ytd only) | 4.4483% | 3,486 |
| Net charge-offs to loans | 0.1219% | 2,595 |
| Credit loss provision to net charge-offs | 122.0238% | 1,893 |
| Earnings coverage of net charge-offs (x) | 23.8839% | 1,565 |
| Efficiency ratio | 61.5550% | 4,952 |
| Assets per employee ($millions) | 4.2639% | 3,353 |
| Cash dividends to net income (ytd only)* | 70.2537% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5992% | 2,307 |
| Loan loss allowance to noncurrent loans | 185.8365% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.6298% | 3,940 |
| Noncurrent loans to loans | 0.8606% | 3,421 |
| Net loans and leases to total assets | 67.7079% | 2,581 |
| Net loans and leases to deposits | 93.3164% | 1,094 |
| Net loans and leases to core deposits | 101.2678% | 1,266 |
| Total domestic deposits to total assets | 72.5574% | 6,131 |
| Equity capital to assets | 13.3877% | 1,239 |
| Core capital (leverage) ratio | 11.9994% | 1,700 |
| Tier 1 risk-based capital ratio | 17.6589% | 2,332 |
| Total risk-based capital ratio | 18.9125% | 2,291 |
| Memoranda: | ||
| Average total assets | $540,843,250 | 1,242 |
| Average earning assets | $501,189,500 | 1,237 |
| Average equity | $69,597,250 | 1,060 |
| Average total loans | $367,619,250 | 1,206 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4611% | 1,955 |
| Cost of funding earning assets | 0.1788% | 6,077 |
| Net interest margin | 4.2824% | 1,065 |
| Noninterest income to average assets | 1.0992% | 981 |
| Noninterest expense to average assets | 3.1034% | 2,480 |
| Loan and lease loss provision to assets | 0.1012% | 2,333 |
| Net operating income to assets | 1.8614% | 438 |
| Return on assets (ROA) | 1.9103% | 422 |
| Pretax return on assets | 1.9103% | 672 |
| Return on Equity (ROE) | 15.0439% | 786 |
| Retained earnings to average equity (ytd only) | 6.6337% | 1,960 |
| Net charge-offs to loans | 0.1033% | 2,647 |
| Credit loss provision to net charge-offs | 144.7368% | 1,496 |
| Earnings coverage of net charge-offs (x) | 28.0684% | 1,317 |
| Efficiency ratio | 61.2596% | 5,108 |
| Assets per employee ($millions) | 4.1753% | 3,506 |
| Cash dividends to net income (ytd only)* | 55.9045% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5923% | 2,490 |
| Loan loss allowance to noncurrent loans | 149.5927% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.8246% | 3,501 |
| Noncurrent loans to loans | 1.0644% | 3,105 |
| Net loans and leases to total assets | 66.9043% | 2,600 |
| Net loans and leases to deposits | 91.1334% | 1,258 |
| Net loans and leases to core deposits | 99.1799% | 1,345 |
| Total domestic deposits to total assets | 73.4137% | 6,158 |
| Equity capital to assets | 13.1412% | 1,299 |
| Core capital (leverage) ratio | 11.9470% | 1,691 |
| Tier 1 risk-based capital ratio | 17.4731% | 2,425 |
| Total risk-based capital ratio | 18.7277% | 2,398 |
| Memoranda: | ||
| Average total assets | $543,461,670 | 1,239 |
| Average earning assets | $503,414,000 | 1,223 |
| Average equity | $69,011,330 | 1,060 |
| Average total loans | $367,912,330 | 1,204 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4306% | 2,023 |
| Cost of funding earning assets | 0.1824% | 6,144 |
| Net interest margin | 4.2482% | 1,104 |
| Noninterest income to average assets | 1.0048% | 1,119 |
| Noninterest expense to average assets | 3.1284% | 2,446 |
| Loan and lease loss provision to assets | 0.1103% | 2,100 |
| Net operating income to assets | 1.7073% | 569 |
| Return on assets (ROA) | 1.7337% | 559 |
| Pretax return on assets | 1.7337% | 909 |
| Return on Equity (ROE) | 13.8948% | 964 |
| Retained earnings to average equity (ytd only) | 5.2938% | 2,920 |
| Net charge-offs to loans | 0.0795% | 2,360 |
| Credit loss provision to net charge-offs | 205.4795% | 1,015 |
| Earnings coverage of net charge-offs (x) | 33.8493% | 973 |
| Efficiency ratio | 63.2510% | 4,968 |
| Assets per employee ($millions) | 4.3492% | 3,250 |
| Cash dividends to net income (ytd only)* | 61.9007% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6036% | 2,687 |
| Loan loss allowance to noncurrent loans | 164.8778% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.7906% | 3,766 |
| Noncurrent loans to loans | 0.9726% | 3,483 |
| Net loans and leases to total assets | 66.2303% | 2,530 |
| Net loans and leases to deposits | 83.2422% | 1,923 |
| Net loans and leases to core deposits | 89.5296% | 1,956 |
| Total domestic deposits to total assets | 79.5633% | 5,578 |
| Equity capital to assets | 12.6613% | 1,480 |
| Core capital (leverage) ratio | 11.6272% | 1,880 |
| Tier 1 risk-based capital ratio | 17.2398% | 2,577 |
| Total risk-based capital ratio | 18.4938% | 2,537 |
| Memoranda: | ||
| Average total assets | $543,797,500 | 1,245 |
| Average earning assets | $504,494,000 | 1,226 |
| Average equity | $67,852,500 | 1,080 |
| Average total loans | $367,355,500 | 1,204 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4439% | 2,419 |
| Cost of funding earning assets | 0.2252% | 6,146 |
| Net interest margin | 4.2187% | 1,302 |
| Noninterest income to average assets | 1.1143% | 1,130 |
| Noninterest expense to average assets | 3.1560% | 2,564 |
| Loan and lease loss provision to assets | 0.0888% | 3,335 |
| Net operating income to assets | 1.7794% | 501 |
| Return on assets (ROA) | 1.7881% | 510 |
| Pretax return on assets | 1.7881% | 776 |
| Return on Equity (ROE) | 14.4188% | 868 |
| Retained earnings to average equity (ytd only) | 5.2262% | 2,465 |
| Net charge-offs to loans | 0.1850% | 2,990 |
| Credit loss provision to net charge-offs | 73.2824% | 3,220 |
| Earnings coverage of net charge-offs (x) | 15.4244% | 1,868 |
| Efficiency ratio | 62.8170% | 5,088 |
| Assets per employee ($millions) | 4.1523% | 3,529 |
| Cash dividends to net income (ytd only)* | 63.7539% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5703% | 2,883 |
| Loan loss allowance to noncurrent loans | 343.0687% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 4,933 |
| Noncurrent loans to loans | 0.4577% | 4,852 |
| Net loans and leases to total assets | 66.7330% | 2,568 |
| Net loans and leases to deposits | 84.3957% | 1,879 |
| Net loans and leases to core deposits | 91.2492% | 1,880 |
| Total domestic deposits to total assets | 79.0716% | 5,640 |
| Equity capital to assets | 12.2939% | 1,627 |
| Core capital (leverage) ratio | 11.5886% | 1,896 |
| Tier 1 risk-based capital ratio | 16.7802% | 2,724 |
| Total risk-based capital ratio | 18.0344% | 2,675 |
| Memoranda: | ||
| Average total assets | $540,802,600 | 1,227 |
| Average earning assets | $501,221,000 | 1,214 |
| Average equity | $67,065,400 | 1,076 |
| Average total loans | $354,114,000 | 1,209 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4317% | 2,490 |
| Cost of funding earning assets | 0.2353% | 6,188 |
| Net interest margin | 4.1964% | 1,344 |
| Noninterest income to average assets | 1.1409% | 1,125 |
| Noninterest expense to average assets | 3.1640% | 2,465 |
| Loan and lease loss provision to assets | 0.0889% | 3,282 |
| Net operating income to assets | 1.7762% | 549 |
| Return on assets (ROA) | 1.8004% | 548 |
| Pretax return on assets | 1.8004% | 910 |
| Return on Equity (ROE) | 14.4865% | 891 |
| Retained earnings to average equity (ytd only) | 5.1076% | 3,001 |
| Net charge-offs to loans | 0.1491% | 3,051 |
| Credit loss provision to net charge-offs | 91.8367% | 2,587 |
| Earnings coverage of net charge-offs (x) | 19.2705% | 1,636 |
| Efficiency ratio | 62.9142% | 4,997 |
| Assets per employee ($millions) | 3.8705% | 4,091 |
| Cash dividends to net income (ytd only)* | 64.7422% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 2,630 |
| Loan loss allowance to noncurrent loans | 528.4061% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.3246% | 5,434 |
| Noncurrent loans to loans | 0.3211% | 5,422 |
| Net loans and leases to total assets | 64.8411% | 2,840 |
| Net loans and leases to deposits | 80.8089% | 2,289 |
| Net loans and leases to core deposits | 88.0649% | 2,184 |
| Total domestic deposits to total assets | 80.2400% | 5,448 |
| Equity capital to assets | 12.5873% | 1,532 |
| Core capital (leverage) ratio | 11.4988% | 2,044 |
| Tier 1 risk-based capital ratio | 17.2238% | 2,620 |
| Total risk-based capital ratio | 18.4792% | 2,582 |
| Memoranda: | ||
| Average total assets | $540,017,000 | 1,246 |
| Average earning assets | $500,351,750 | 1,228 |
| Average equity | $67,113,750 | 1,075 |
| Average total loans | $350,447,000 | 1,217 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3983% | 2,568 |
| Cost of funding earning assets | 0.2467% | 6,198 |
| Net interest margin | 4.1516% | 1,403 |
| Noninterest income to average assets | 1.1714% | 1,105 |
| Noninterest expense to average assets | 3.1211% | 2,602 |
| Loan and lease loss provision to assets | 0.0884% | 3,311 |
| Net operating income to assets | 1.8094% | 508 |
| Return on assets (ROA) | 1.8260% | 522 |
| Pretax return on assets | 1.8260% | 879 |
| Return on Equity (ROE) | 14.7539% | 856 |
| Retained earnings to average equity (ytd only) | 5.5565% | 2,700 |
| Net charge-offs to loans | 0.1226% | 3,147 |
| Credit loss provision to net charge-offs | 111.6279% | 1,989 |
| Earnings coverage of net charge-offs (x) | 23.9767% | 1,314 |
| Efficiency ratio | 62.1873% | 5,152 |
| Assets per employee ($millions) | 3.7611% | 4,281 |
| Cash dividends to net income (ytd only)* | 62.3387% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7082% | 2,749 |
| Loan loss allowance to noncurrent loans | 575.5043% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 5,623 |
| Noncurrent loans to loans | 0.2968% | 5,560 |
| Net loans and leases to total assets | 65.0035% | 2,756 |
| Net loans and leases to deposits | 78.1427% | 2,553 |
| Net loans and leases to core deposits | 84.4519% | 2,499 |
| Total domestic deposits to total assets | 83.1856% | 4,630 |
| Equity capital to assets | 12.3545% | 1,671 |
| Core capital (leverage) ratio | 11.2656% | 2,116 |
| Tier 1 risk-based capital ratio | 17.0955% | 2,679 |
| Total risk-based capital ratio | 18.3511% | 2,648 |
| Memoranda: | ||
| Average total assets | $543,268,000 | 1,236 |
| Average earning assets | $503,467,000 | 1,220 |
| Average equity | $67,236,330 | 1,074 |
| Average total loans | $350,675,000 | 1,210 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3608% | 2,655 |
| Cost of funding earning assets | 0.2585% | 6,231 |
| Net interest margin | 4.1023% | 1,454 |
| Noninterest income to average assets | 1.1773% | 1,084 |
| Noninterest expense to average assets | 3.0560% | 2,818 |
| Loan and lease loss provision to assets | 0.0873% | 3,209 |
| Net operating income to assets | 1.8336% | 454 |
| Return on assets (ROA) | 1.8678% | 464 |
| Pretax return on assets | 1.8678% | 779 |
| Return on Equity (ROE) | 15.0788% | 753 |
| Retained earnings to average equity (ytd only) | 5.7684% | 2,804 |
| Net charge-offs to loans | 0.1551% | 2,471 |
| Credit loss provision to net charge-offs | 88.2353% | 2,048 |
| Earnings coverage of net charge-offs (x) | 19.4118% | 1,223 |
| Efficiency ratio | 61.4035% | 5,390 |
| Assets per employee ($millions) | 4.0345% | 3,873 |
| Cash dividends to net income (ytd only)* | 61.7452% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7155% | 2,945 |
| Loan loss allowance to noncurrent loans | 558.1614% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 5,633 |
| Noncurrent loans to loans | 0.3073% | 5,633 |
| Net loans and leases to total assets | 62.5885% | 2,955 |
| Net loans and leases to deposits | 75.9827% | 2,637 |
| Net loans and leases to core deposits | 82.2245% | 2,542 |
| Total domestic deposits to total assets | 82.3721% | 5,068 |
| Equity capital to assets | 12.5268% | 1,698 |
| Core capital (leverage) ratio | 10.9787% | 2,284 |
| Tier 1 risk-based capital ratio | 17.0824% | 2,709 |
| Total risk-based capital ratio | 18.3384% | 2,680 |
| Memoranda: | ||
| Average total assets | $549,743,000 | 1,230 |
| Average earning assets | $509,178,000 | 1,223 |
| Average equity | $68,095,500 | 1,071 |
| Average total loans | $350,654,500 | 1,209 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6236% | 2,902 |
| Cost of funding earning assets | 0.3848% | 6,018 |
| Net interest margin | 4.2388% | 1,548 |
| Noninterest income to average assets | 1.2628% | 982 |
| Noninterest expense to average assets | 3.0936% | 2,947 |
| Loan and lease loss provision to assets | 0.1237% | 4,074 |
| Net operating income to assets | 1.9748% | 372 |
| Return on assets (ROA) | 2.0358% | 367 |
| Pretax return on assets | 2.0358% | 564 |
| Return on Equity (ROE) | 17.0460% | 532 |
| Retained earnings to average equity (ytd only) | 8.0374% | 1,109 |
| Net charge-offs to loans | 0.2175% | 3,652 |
| Credit loss provision to net charge-offs | 89.0501% | 3,510 |
| Earnings coverage of net charge-offs (x) | 15.1095% | 1,678 |
| Efficiency ratio | 59.5829% | 5,601 |
| Assets per employee ($millions) | 3.9630% | 4,024 |
| Cash dividends to net income (ytd only)* | 52.8485% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6831% | 2,993 |
| Loan loss allowance to noncurrent loans | 611.2705% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.2758% | 5,865 |
| Noncurrent loans to loans | 0.2753% | 5,792 |
| Net loans and leases to total assets | 62.8122% | 3,093 |
| Net loans and leases to deposits | 76.7239% | 2,689 |
| Net loans and leases to core deposits | 84.6785% | 2,469 |
| Total domestic deposits to total assets | 81.8679% | 5,143 |
| Equity capital to assets | 12.2493% | 1,890 |
| Core capital (leverage) ratio | 10.5496% | 2,707 |
| Tier 1 risk-based capital ratio | 16.6945% | 2,795 |
| Total risk-based capital ratio | 17.9503% | 2,764 |
| Memoranda: | ||
| Average total assets | $545,769,600 | 1,229 |
| Average earning assets | $505,922,000 | 1,196 |
| Average equity | $65,182,400 | 1,084 |
| Average total loans | $348,531,800 | 1,204 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6692% | 2,930 |
| Cost of funding earning assets | 0.4199% | 5,987 |
| Net interest margin | 4.2492% | 1,598 |
| Noninterest income to average assets | 1.1662% | 1,119 |
| Noninterest expense to average assets | 3.0946% | 2,908 |
| Loan and lease loss provision to assets | 0.1435% | 3,739 |
| Net operating income to assets | 1.8700% | 494 |
| Return on assets (ROA) | 1.9323% | 488 |
| Pretax return on assets | 1.9323% | 811 |
| Return on Equity (ROE) | 16.2859% | 696 |
| Retained earnings to average equity (ytd only) | 8.2205% | 1,527 |
| Net charge-offs to loans | 0.1990% | 3,534 |
| Credit loss provision to net charge-offs | 112.9344% | 2,590 |
| Earnings coverage of net charge-offs (x) | 15.8456% | 1,724 |
| Efficiency ratio | 60.5820% | 5,396 |
| Assets per employee ($millions) | 3.9361% | 4,002 |
| Cash dividends to net income (ytd only)* | 49.5239% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7409% | 2,992 |
| Loan loss allowance to noncurrent loans | 659.7627% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.2489% | 6,078 |
| Noncurrent loans to loans | 0.2639% | 5,959 |
| Net loans and leases to total assets | 63.5496% | 3,103 |
| Net loans and leases to deposits | 78.5523% | 2,590 |
| Net loans and leases to core deposits | 88.8597% | 2,117 |
| Total domestic deposits to total assets | 80.9011% | 5,396 |
| Equity capital to assets | 12.3726% | 1,982 |
| Core capital (leverage) ratio | 10.5822% | 2,816 |
| Tier 1 risk-based capital ratio | 16.5727% | 2,956 |
| Total risk-based capital ratio | 17.8293% | 2,928 |
| Memoranda: | ||
| Average total assets | $543,506,500 | 1,245 |
| Average earning assets | $504,203,500 | 1,214 |
| Average equity | $64,487,500 | 1,110 |
| Average total loans | $347,049,250 | 1,221 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6810% | 3,004 |
| Cost of funding earning assets | 0.3735% | 6,405 |
| Net interest margin | 4.3076% | 1,460 |
| Noninterest income to average assets | 1.1802% | 1,026 |
| Noninterest expense to average assets | 3.0856% | 2,972 |
| Loan and lease loss provision to assets | 0.1435% | 3,724 |
| Net operating income to assets | 1.9440% | 426 |
| Return on assets (ROA) | 1.9874% | 456 |
| Pretax return on assets | 1.9874% | 710 |
| Return on Equity (ROE) | 16.9923% | 633 |
| Retained earnings to average equity (ytd only) | 9.5090% | 1,110 |
| Net charge-offs to loans | 0.1863% | 3,464 |
| Credit loss provision to net charge-offs | 121.1180% | 2,266 |
| Earnings coverage of net charge-offs (x) | 17.6211% | 1,520 |
| Efficiency ratio | 59.6473% | 5,635 |
| Assets per employee ($millions) | 3.8191% | 4,267 |
| Cash dividends to net income (ytd only)* | 44.0392% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7527% | 3,015 |
| Loan loss allowance to noncurrent loans | 417.8279% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 5,954 |
| Noncurrent loans to loans | 0.4195% | 5,696 |
| Net loans and leases to total assets | 62.3501% | 3,363 |
| Net loans and leases to deposits | 76.1677% | 2,966 |
| Net loans and leases to core deposits | 85.5783% | 2,481 |
| Total domestic deposits to total assets | 81.8589% | 5,185 |
| Equity capital to assets | 11.9056% | 2,214 |
| Core capital (leverage) ratio | 10.3828% | 2,943 |
| Tier 1 risk-based capital ratio | 16.3375% | 2,986 |
| Total risk-based capital ratio | 17.5939% | 2,959 |
| Memoranda: | ||
| Average total assets | $543,616,330 | 1,246 |
| Average earning assets | $503,904,330 | 1,217 |
| Average equity | $63,581,670 | 1,116 |
| Average total loans | $345,631,330 | 1,215 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7047% | 3,035 |
| Cost of funding earning assets | 0.3904% | 6,456 |
| Net interest margin | 4.3143% | 1,423 |
| Noninterest income to average assets | 1.1287% | 1,110 |
| Noninterest expense to average assets | 3.1270% | 2,825 |
| Loan and lease loss provision to assets | 0.1443% | 3,561 |
| Net operating income to assets | 1.8488% | 540 |
| Return on assets (ROA) | 1.9362% | 542 |
| Pretax return on assets | 1.9362% | 823 |
| Return on Equity (ROE) | 16.7063% | 714 |
| Retained earnings to average equity (ytd only) | 7.6507% | 2,109 |
| Net charge-offs to loans | 0.0488% | 4,019 |
| Credit loss provision to net charge-offs | 464.2857% | 695 |
| Earnings coverage of net charge-offs (x) | 64.1190% | 524 |
| Efficiency ratio | 61.0726% | 5,444 |
| Assets per employee ($millions) | 3.8780% | 4,245 |
| Cash dividends to net income (ytd only)* | 54.2049% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7851% | 3,043 |
| Loan loss allowance to noncurrent loans | 565.3601% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.2580% | 6,240 |
| Noncurrent loans to loans | 0.3158% | 6,047 |
| Net loans and leases to total assets | 62.4038% | 3,172 |
| Net loans and leases to deposits | 75.9621% | 2,800 |
| Net loans and leases to core deposits | 85.0401% | 2,400 |
| Total domestic deposits to total assets | 82.1513% | 5,242 |
| Equity capital to assets | 11.5762% | 2,368 |
| Core capital (leverage) ratio | 10.1535% | 3,170 |
| Tier 1 risk-based capital ratio | 15.9279% | 3,212 |
| Total risk-based capital ratio | 17.1850% | 3,177 |
| Memoranda: | ||
| Average total assets | $540,449,000 | 1,255 |
| Average earning assets | $500,008,000 | 1,230 |
| Average equity | $62,635,000 | 1,133 |
| Average total loans | $343,941,000 | 1,224 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9409% | 3,152 |
| Cost of funding earning assets | 0.5154% | 6,468 |
| Net interest margin | 4.4255% | 1,326 |
| Noninterest income to average assets | 1.2246% | 874 |
| Noninterest expense to average assets | 3.1211% | 3,128 |
| Loan and lease loss provision to assets | 0.1400% | 4,868 |
| Net operating income to assets | 2.0435% | 284 |
| Return on assets (ROA) | 2.0758% | 290 |
| Pretax return on assets | 2.0758% | 459 |
| Return on Equity (ROE) | 18.7930% | 328 |
| Retained earnings to average equity (ytd only) | 7.6583% | 1,205 |
| Net charge-offs to loans | 0.1947% | 4,586 |
| Credit loss provision to net charge-offs | 112.9771% | 2,923 |
| Earnings coverage of net charge-offs (x) | 17.6229% | 1,259 |
| Efficiency ratio | 58.8382% | 5,932 |
| Assets per employee ($millions) | 3.6835% | 4,586 |
| Cash dividends to net income (ytd only)* | 59.2491% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7767% | 2,942 |
| Loan loss allowance to noncurrent loans | 537.2114% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.2943% | 6,233 |
| Noncurrent loans to loans | 0.3307% | 6,068 |
| Net loans and leases to total assets | 62.6115% | 3,489 |
| Net loans and leases to deposits | 79.0470% | 2,675 |
| Net loans and leases to core deposits | 88.0833% | 2,364 |
| Total domestic deposits to total assets | 79.2079% | 5,943 |
| Equity capital to assets | 11.6030% | 2,423 |
| Core capital (leverage) ratio | 10.1534% | 3,163 |
| Tier 1 risk-based capital ratio | 15.7549% | 3,185 |
| Total risk-based capital ratio | 17.0116% | 3,143 |
| Memoranda: | ||
| Average total assets | $528,659,400 | 1,263 |
| Average earning assets | $487,380,600 | 1,252 |
| Average equity | $58,394,000 | 1,167 |
| Average total loans | $336,408,000 | 1,261 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9741% | 3,221 |
| Cost of funding earning assets | 0.5444% | 6,533 |
| Net interest margin | 4.4297% | 1,318 |
| Noninterest income to average assets | 1.1902% | 930 |
| Noninterest expense to average assets | 3.0901% | 3,194 |
| Loan and lease loss provision to assets | 0.1795% | 4,233 |
| Net operating income to assets | 2.0024% | 339 |
| Return on assets (ROA) | 2.0876% | 320 |
| Pretax return on assets | 2.0876% | 534 |
| Return on Equity (ROE) | 19.1440% | 372 |
| Retained earnings to average equity (ytd only) | 9.3587% | 1,022 |
| Net charge-offs to loans | 0.1662% | 4,460 |
| Credit loss provision to net charge-offs | 169.8565% | 1,781 |
| Earnings coverage of net charge-offs (x) | 20.6435% | 1,213 |
| Efficiency ratio | 58.6139% | 5,913 |
| Assets per employee ($millions) | 3.7137% | 4,508 |
| Cash dividends to net income (ytd only)* | 51.1144% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8523% | 2,775 |
| Loan loss allowance to noncurrent loans | 688.9868% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 6,425 |
| Noncurrent loans to loans | 0.2688% | 6,331 |
| Net loans and leases to total assets | 62.4178% | 3,627 |
| Net loans and leases to deposits | 79.8825% | 2,670 |
| Net loans and leases to core deposits | 90.0088% | 2,245 |
| Total domestic deposits to total assets | 78.1370% | 6,166 |
| Equity capital to assets | 11.5489% | 2,635 |
| Core capital (leverage) ratio | 10.0196% | 3,417 |
| Tier 1 risk-based capital ratio | 15.8331% | 3,201 |
| Total risk-based capital ratio | 17.0909% | 3,158 |
| Memoranda: | ||
| Average total assets | $527,298,500 | 1,272 |
| Average earning assets | $485,895,250 | 1,262 |
| Average equity | $57,499,500 | 1,181 |
| Average total loans | $335,395,250 | 1,273 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9752% | 3,287 |
| Cost of funding earning assets | 0.5693% | 6,589 |
| Net interest margin | 4.4058% | 1,352 |
| Noninterest income to average assets | 1.1607% | 948 |
| Noninterest expense to average assets | 3.0442% | 3,460 |
| Loan and lease loss provision to assets | 0.1901% | 4,018 |
| Net operating income to assets | 1.9865% | 350 |
| Return on assets (ROA) | 2.0166% | 348 |
| Pretax return on assets | 2.0166% | 571 |
| Return on Equity (ROE) | 18.8681% | 402 |
| Retained earnings to average equity (ytd only) | 9.6475% | 924 |
| Net charge-offs to loans | 0.2182% | 3,822 |
| Credit loss provision to net charge-offs | 136.9863% | 2,228 |
| Earnings coverage of net charge-offs (x) | 15.6849% | 1,390 |
| Efficiency ratio | 58.3091% | 6,120 |
| Assets per employee ($millions) | 3.7846% | 4,244 |
| Cash dividends to net income (ytd only)* | 48.8688% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8032% | 2,980 |
| Loan loss allowance to noncurrent loans | 731.2950% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 6,422 |
| Noncurrent loans to loans | 0.2466% | 6,426 |
| Net loans and leases to total assets | 63.1347% | 3,653 |
| Net loans and leases to deposits | 79.2883% | 2,926 |
| Net loans and leases to core deposits | 90.9130% | 2,268 |
| Total domestic deposits to total assets | 79.6268% | 5,921 |
| Equity capital to assets | 11.2830% | 2,698 |
| Core capital (leverage) ratio | 9.7975% | 3,524 |
| Tier 1 risk-based capital ratio | 15.2785% | 3,360 |
| Total risk-based capital ratio | 16.5357% | 3,313 |
| Memoranda: | ||
| Average total assets | $526,043,000 | 1,279 |
| Average earning assets | $484,768,670 | 1,263 |
| Average equity | $56,222,000 | 1,190 |
| Average total loans | $334,615,330 | 1,295 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9411% | 3,364 |
| Cost of funding earning assets | 0.5902% | 6,651 |
| Net interest margin | 4.3509% | 1,423 |
| Noninterest income to average assets | 1.0988% | 1,085 |
| Noninterest expense to average assets | 3.0211% | 3,553 |
| Loan and lease loss provision to assets | 0.1825% | 3,792 |
| Net operating income to assets | 1.8866% | 415 |
| Return on assets (ROA) | 1.9215% | 412 |
| Pretax return on assets | 1.9215% | 650 |
| Return on Equity (ROE) | 18.4940% | 437 |
| Retained earnings to average equity (ytd only) | 6.2354% | 2,504 |
| Net charge-offs to loans | 0.2380% | 3,124 |
| Credit loss provision to net charge-offs | 121.2121% | 2,252 |
| Earnings coverage of net charge-offs (x) | 13.7424% | 1,413 |
| Efficiency ratio | 59.3517% | 6,074 |
| Assets per employee ($millions) | 3.8269% | 4,240 |
| Cash dividends to net income (ytd only)* | 66.2841% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8024% | 3,003 |
| Loan loss allowance to noncurrent loans | 684.0547% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.2517% | 6,555 |
| Noncurrent loans to loans | 0.2635% | 6,458 |
| Net loans and leases to total assets | 61.5142% | 3,962 |
| Net loans and leases to deposits | 75.0761% | 3,571 |
| Net loans and leases to core deposits | 85.1493% | 3,011 |
| Total domestic deposits to total assets | 81.9358% | 5,343 |
| Equity capital to assets | 10.4054% | 3,277 |
| Core capital (leverage) ratio | 9.4350% | 3,907 |
| Tier 1 risk-based capital ratio | 15.0213% | 3,413 |
| Total risk-based capital ratio | 16.2783% | 3,369 |
| Memoranda: | ||
| Average total assets | $526,035,000 | 1,288 |
| Average earning assets | $482,566,500 | 1,279 |
| Average equity | $54,655,500 | 1,220 |
| Average total loans | $332,810,500 | 1,318 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3072% | 3,105 |
| Cost of funding earning assets | 0.7467% | 6,750 |
| Net interest margin | 4.5605% | 1,106 |
| Noninterest income to average assets | 1.4137% | 729 |
| Noninterest expense to average assets | 3.1732% | 3,179 |
| Loan and lease loss provision to assets | 0.1769% | 5,456 |
| Net operating income to assets | 2.2481% | 170 |
| Return on assets (ROA) | 2.2015% | 208 |
| Pretax return on assets | 2.2015% | 322 |
| Return on Equity (ROE) | 21.3895% | 184 |
| Retained earnings to average equity (ytd only) | 6.7580% | 1,425 |
| Net charge-offs to loans | 0.2097% | 5,038 |
| Credit loss provision to net charge-offs | 128.5714% | 3,109 |
| Earnings coverage of net charge-offs (x) | 17.6214% | 1,138 |
| Efficiency ratio | 56.6828% | 6,500 |
| Assets per employee ($millions) | 3.6629% | 4,539 |
| Cash dividends to net income (ytd only)* | 68.4051% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7942% | 2,881 |
| Loan loss allowance to noncurrent loans | 1,057.4468% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.2657% | 6,584 |
| Noncurrent loans to loans | 0.1697% | 6,728 |
| Net loans and leases to total assets | 62.7598% | 4,119 |
| Net loans and leases to deposits | 77.6618% | 3,566 |
| Net loans and leases to core deposits | 88.7259% | 2,941 |
| Total domestic deposits to total assets | 80.8117% | 5,585 |
| Equity capital to assets | 10.3744% | 3,303 |
| Core capital (leverage) ratio | 9.4679% | 3,743 |
| Tier 1 risk-based capital ratio | 14.8429% | 3,343 |
| Total risk-based capital ratio | 16.1001% | 3,298 |
| Memoranda: | ||
| Average total assets | $508,659,200 | 1,314 |
| Average earning assets | $466,727,400 | 1,317 |
| Average equity | $52,352,800 | 1,276 |
| Average total loans | $333,769,200 | 1,337 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3556% | 3,092 |
| Cost of funding earning assets | 0.7760% | 6,828 |
| Net interest margin | 4.5796% | 1,086 |
| Noninterest income to average assets | 1.3969% | 695 |
| Noninterest expense to average assets | 3.1198% | 3,242 |
| Loan and lease loss provision to assets | 0.2056% | 5,000 |
| Net operating income to assets | 2.2749% | 201 |
| Return on assets (ROA) | 2.2715% | 220 |
| Pretax return on assets | 2.2715% | 360 |
| Return on Equity (ROE) | 22.1153% | 193 |
| Retained earnings to average equity (ytd only) | 7.5891% | 1,564 |
| Net charge-offs to loans | 0.1333% | 5,232 |
| Credit loss provision to net charge-offs | 233.5329% | 1,454 |
| Earnings coverage of net charge-offs (x) | 28.1738% | 920 |
| Efficiency ratio | 55.7072% | 6,601 |
| Assets per employee ($millions) | 3.7234% | 4,456 |
| Cash dividends to net income (ytd only)* | 65.6841% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8426% | 2,656 |
| Loan loss allowance to noncurrent loans | 804.2746% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 6,798 |
| Noncurrent loans to loans | 0.2291% | 6,722 |
| Net loans and leases to total assets | 64.3713% | 4,050 |
| Net loans and leases to deposits | 81.3058% | 3,214 |
| Net loans and leases to core deposits | 94.3825% | 2,475 |
| Total domestic deposits to total assets | 79.1718% | 5,977 |
| Equity capital to assets | 10.7988% | 3,169 |
| Core capital (leverage) ratio | 9.3796% | 4,089 |
| Tier 1 risk-based capital ratio | 14.6540% | 3,422 |
| Total risk-based capital ratio | 15.9121% | 3,398 |
| Memoranda: | ||
| Average total assets | $505,790,500 | 1,334 |
| Average earning assets | $464,249,000 | 1,335 |
| Average equity | $51,950,750 | 1,291 |
| Average total loans | $334,111,750 | 1,352 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4063% | 2,948 |
| Cost of funding earning assets | 0.8130% | 6,866 |
| Net interest margin | 4.5933% | 1,017 |
| Noninterest income to average assets | 1.3079% | 744 |
| Noninterest expense to average assets | 3.0824% | 3,383 |
| Loan and lease loss provision to assets | 0.2385% | 4,530 |
| Net operating income to assets | 2.1824% | 239 |
| Return on assets (ROA) | 2.1900% | 258 |
| Pretax return on assets | 2.1900% | 412 |
| Return on Equity (ROE) | 21.7009% | 226 |
| Retained earnings to average equity (ytd only) | 11.5142% | 567 |
| Net charge-offs to loans | 0.1381% | 4,840 |
| Credit loss provision to net charge-offs | 260.8696% | 1,456 |
| Earnings coverage of net charge-offs (x) | 26.4783% | 1,000 |
| Efficiency ratio | 56.0098% | 6,635 |
| Assets per employee ($millions) | 3.7076% | 4,450 |
| Cash dividends to net income (ytd only)* | 46.9414% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8163% | 2,672 |
| Loan loss allowance to noncurrent loans | 669.5415% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 6,762 |
| Noncurrent loans to loans | 0.2713% | 6,688 |
| Net loans and leases to total assets | 64.7957% | 4,092 |
| Net loans and leases to deposits | 83.2589% | 3,022 |
| Net loans and leases to core deposits | 95.7802% | 2,465 |
| Total domestic deposits to total assets | 77.8244% | 6,305 |
| Equity capital to assets | 10.4656% | 3,459 |
| Core capital (leverage) ratio | 9.4758% | 3,856 |
| Tier 1 risk-based capital ratio | 14.5588% | 3,411 |
| Total risk-based capital ratio | 15.8164% | 3,370 |
| Memoranda: | ||
| Average total assets | $503,111,670 | 1,350 |
| Average earning assets | $459,536,000 | 1,350 |
| Average equity | $50,772,000 | 1,315 |
| Average total loans | $333,160,330 | 1,369 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4478% | 2,829 |
| Cost of funding earning assets | 0.8440% | 6,958 |
| Net interest margin | 4.6038% | 945 |
| Noninterest income to average assets | 1.3327% | 679 |
| Noninterest expense to average assets | 3.0944% | 3,282 |
| Loan and lease loss provision to assets | 0.2406% | 4,120 |
| Net operating income to assets | 2.1835% | 260 |
| Return on assets (ROA) | 2.1835% | 286 |
| Pretax return on assets | 2.1835% | 435 |
| Return on Equity (ROE) | 22.0555% | 266 |
| Retained earnings to average equity (ytd only) | 9.5496% | 1,258 |
| Net charge-offs to loans | 0.1523% | 4,019 |
| Credit loss provision to net charge-offs | 238.0952% | 1,611 |
| Earnings coverage of net charge-offs (x) | 23.9921% | 1,040 |
| Efficiency ratio | 56.0738% | 6,752 |
| Assets per employee ($millions) | 3.7565% | 4,410 |
| Cash dividends to net income (ytd only)* | 56.7022% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7930% | 2,757 |
| Loan loss allowance to noncurrent loans | 504.4180% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.2972% | 6,737 |
| Noncurrent loans to loans | 0.3555% | 6,591 |
| Net loans and leases to total assets | 64.6030% | 4,192 |
| Net loans and leases to deposits | 81.6117% | 3,348 |
| Net loans and leases to core deposits | 94.0628% | 2,835 |
| Total domestic deposits to total assets | 79.1589% | 6,039 |
| Equity capital to assets | 10.0126% | 3,856 |
| Core capital (leverage) ratio | 9.2712% | 4,103 |
| Tier 1 risk-based capital ratio | 14.1394% | 3,575 |
| Total risk-based capital ratio | 15.3966% | 3,534 |
| Memoranda: | ||
| Average total assets | $498,843,500 | 1,393 |
| Average earning assets | $453,538,000 | 1,396 |
| Average equity | $49,384,500 | 1,358 |
| Average total loans | $330,911,000 | 1,419 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7639% | 2,803 |
| Cost of funding earning assets | 1.1487% | 6,825 |
| Net interest margin | 4.6151% | 950 |
| Noninterest income to average assets | 1.4085% | 736 |
| Noninterest expense to average assets | 3.2363% | 3,250 |
| Loan and lease loss provision to assets | 0.3759% | 4,532 |
| Net operating income to assets | 2.0376% | 212 |
| Return on assets (ROA) | 2.0824% | 205 |
| Pretax return on assets | 2.0824% | 345 |
| Return on Equity (ROE) | 22.6515% | 143 |
| Retained earnings to average equity (ytd only) | 11.3501% | 260 |
| Net charge-offs to loans | 0.2637% | 4,970 |
| Credit loss provision to net charge-offs | 210.3763% | 1,823 |
| Earnings coverage of net charge-offs (x) | 13.5086% | 1,423 |
| Efficiency ratio | 57.2819% | 6,866 |
| Assets per employee ($millions) | 3.5820% | 4,820 |
| Cash dividends to net income (ytd only)* | 49.8924% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7430% | 2,738 |
| Loan loss allowance to noncurrent loans | 479.1355% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 6,530 |
| Noncurrent loans to loans | 0.3638% | 6,549 |
| Net loans and leases to total assets | 65.7329% | 4,224 |
| Net loans and leases to deposits | 84.7720% | 3,125 |
| Net loans and leases to core deposits | 92.2903% | 4,848 |
| Total domestic deposits to total assets | 77.5409% | 6,339 |
| Equity capital to assets | 9.7850% | 4,023 |
| Core capital (leverage) ratio | 9.2089% | 4,104 |
| Tier 1 risk-based capital ratio | 13.6908% | 3,690 |
| Total risk-based capital ratio | 14.9468% | 3,626 |
| Memoranda: | ||
| Average total assets | $490,875,200 | 1,411 |
| Average earning assets | $451,101,800 | 1,402 |
| Average equity | $45,127,200 | 1,488 |
| Average total loans | $332,564,400 | 1,450 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8023% | 2,881 |
| Cost of funding earning assets | 1.2210% | 6,832 |
| Net interest margin | 4.5814% | 1,017 |
| Noninterest income to average assets | 1.4301% | 732 |
| Noninterest expense to average assets | 3.1977% | 3,303 |
| Loan and lease loss provision to assets | 0.4000% | 3,914 |
| Net operating income to assets | 2.0521% | 258 |
| Return on assets (ROA) | 2.1047% | 255 |
| Pretax return on assets | 2.1047% | 438 |
| Return on Equity (ROE) | 23.2713% | 162 |
| Retained earnings to average equity (ytd only) | 12.7082% | 283 |
| Net charge-offs to loans | 0.0817% | 5,861 |
| Credit loss provision to net charge-offs | 720.5882% | 521 |
| Earnings coverage of net charge-offs (x) | 44.1770% | 697 |
| Efficiency ratio | 56.5980% | 6,922 |
| Assets per employee ($millions) | 3.7114% | 4,397 |
| Cash dividends to net income (ytd only)* | 45.3911% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8281% | 2,196 |
| Loan loss allowance to noncurrent loans | 409.3180% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.5302% | 6,136 |
| Noncurrent loans to loans | 0.4466% | 6,436 |
| Net loans and leases to total assets | 65.9512% | 4,442 |
| Net loans and leases to deposits | 86.9948% | 3,146 |
| Net loans and leases to core deposits | 94.5162% | 4,974 |
| Total domestic deposits to total assets | 75.8105% | 6,617 |
| Equity capital to assets | 9.7868% | 4,365 |
| Core capital (leverage) ratio | 8.9992% | 4,650 |
| Tier 1 risk-based capital ratio | 13.4144% | 3,913 |
| Total risk-based capital ratio | 14.6718% | 3,845 |
| Memoranda: | ||
| Average total assets | $490,014,000 | 1,424 |
| Average earning assets | $451,323,750 | 1,418 |
| Average equity | $44,316,750 | 1,533 |
| Average total loans | $333,031,750 | 1,470 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8387% | 2,852 |
| Cost of funding earning assets | 1.3038% | 6,796 |
| Net interest margin | 4.5348% | 1,089 |
| Noninterest income to average assets | 1.4046% | 764 |
| Noninterest expense to average assets | 3.1480% | 3,512 |
| Loan and lease loss provision to assets | 0.4910% | 3,079 |
| Net operating income to assets | 1.9480% | 337 |
| Return on assets (ROA) | 2.0044% | 321 |
| Pretax return on assets | 2.0044% | 563 |
| Return on Equity (ROE) | 22.7935% | 205 |
| Retained earnings to average equity (ytd only) | 13.0182% | 330 |
| Net charge-offs to loans | 0.0162% | 6,300 |
| Credit loss provision to net charge-offs | 4,444.4444% | 113 |
| Earnings coverage of net charge-offs (x) | 220.7778% | 189 |
| Efficiency ratio | 56.3457% | 7,079 |
| Assets per employee ($millions) | 3.5108% | 4,794 |
| Cash dividends to net income (ytd only)* | 42.8863% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8445% | 1,929 |
| Loan loss allowance to noncurrent loans | 377.0057% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.5771% | 5,977 |
| Noncurrent loans to loans | 0.4892% | 6,300 |
| Net loans and leases to total assets | 65.5520% | 4,658 |
| Net loans and leases to deposits | 84.1496% | 3,854 |
| Net loans and leases to core deposits | 90.7671% | 5,474 |
| Total domestic deposits to total assets | 77.8993% | 6,103 |
| Equity capital to assets | 9.2635% | 4,924 |
| Core capital (leverage) ratio | 8.6616% | 5,162 |
| Tier 1 risk-based capital ratio | 13.5149% | 3,811 |
| Total risk-based capital ratio | 14.7726% | 3,737 |
| Memoranda: | ||
| Average total assets | $488,813,670 | 1,447 |
| Average earning assets | $450,820,000 | 1,433 |
| Average equity | $42,986,000 | 1,586 |
| Average total loans | $333,506,670 | 1,498 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8701% | 2,938 |
| Cost of funding earning assets | 1.4047% | 6,716 |
| Net interest margin | 4.4654% | 1,201 |
| Noninterest income to average assets | 1.3532% | 786 |
| Noninterest expense to average assets | 3.0576% | 3,528 |
| Loan and lease loss provision to assets | 0.4888% | 2,523 |
| Net operating income to assets | 1.9325% | 396 |
| Return on assets (ROA) | 1.9341% | 449 |
| Pretax return on assets | 1.9341% | 749 |
| Return on Equity (ROE) | 22.5888% | 282 |
| Retained earnings to average equity (ytd only) | 11.2849% | 926 |
| Net charge-offs to loans | 0.0165% | 5,342 |
| Credit loss provision to net charge-offs | 4,285.7143% | 169 |
| Earnings coverage of net charge-offs (x) | 212.2857% | 199 |
| Efficiency ratio | 55.8067% | 6,998 |
| Assets per employee ($millions) | 3.7150% | 4,310 |
| Cash dividends to net income (ytd only)* | 50.0421% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 2,458 |
| Loan loss allowance to noncurrent loans | 1,390.4393% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 6,469 |
| Noncurrent loans to loans | 0.1162% | 7,193 |
| Net loans and leases to total assets | 66.3096% | 4,514 |
| Net loans and leases to deposits | 83.2305% | 4,102 |
| Net loans and leases to core deposits | 90.7799% | 5,480 |
| Total domestic deposits to total assets | 79.6699% | 5,480 |
| Equity capital to assets | 8.6637% | 5,819 |
| Core capital (leverage) ratio | 8.3348% | 5,839 |
| Tier 1 risk-based capital ratio | 12.6889% | 4,401 |
| Total risk-based capital ratio | 13.9439% | 4,319 |
| Memoranda: | ||
| Average total assets | $490,974,500 | 1,447 |
| Average earning assets | $453,621,500 | 1,424 |
| Average equity | $42,038,500 | 1,618 |
| Average total loans | $338,479,000 | 1,484 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4930% | 2,989 |
| Cost of funding earning assets | 2.0536% | 6,224 |
| Net interest margin | 4.4394% | 1,561 |
| Noninterest income to average assets | 1.5496% | 587 |
| Noninterest expense to average assets | 3.1181% | 3,629 |
| Loan and lease loss provision to assets | 0.4950% | 2,839 |
| Net operating income to assets | 2.0279% | 329 |
| Return on assets (ROA) | 2.0311% | 308 |
| Pretax return on assets | 2.0311% | 555 |
| Return on Equity (ROE) | 24.3138% | 163 |
| Retained earnings to average equity (ytd only) | 11.6512% | 254 |
| Net charge-offs to loans | 0.3720% | 2,980 |
| Credit loss provision to net charge-offs | 184.8509% | 2,682 |
| Earnings coverage of net charge-offs (x) | 9.4223% | 2,687 |
| Efficiency ratio | 55.2757% | 7,110 |
| Assets per employee ($millions) | 3.6407% | 4,309 |
| Cash dividends to net income (ytd only)* | 52.0799% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 3,227 |
| Loan loss allowance to noncurrent loans | 1,475.3846% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 5,795 |
| Noncurrent loans to loans | 0.0945% | 7,137 |
| Net loans and leases to total assets | 69.5186% | 4,135 |
| Net loans and leases to deposits | 89.1482% | 3,612 |
| Net loans and leases to core deposits | 97.0625% | 5,144 |
| Total domestic deposits to total assets | 77.9810% | 5,722 |
| Equity capital to assets | 8.4595% | 6,157 |
| Core capital (leverage) ratio | 8.2191% | 6,131 |
| Tier 1 risk-based capital ratio | 12.2480% | 4,629 |
| Total risk-based capital ratio | 13.5009% | 4,518 |
| Memoranda: | ||
| Average total assets | $475,801,400 | 1,449 |
| Average earning assets | $438,502,400 | 1,428 |
| Average equity | $39,747,000 | 1,698 |
| Average total loans | $342,435,000 | 1,418 |