Home > Bank of Edmonson County > Performance and Condition Ratios
Bank of Edmonson County, 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 | 5.0884% | 1,880 |
| Cost of funding earning assets | 1.5282% | 1,873 |
| Net interest margin | 3.5602% | 2,043 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.1508% | 3,252 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.5140% | 989 |
| Return on assets (ROA) | 1.3749% | 1,237 |
| Pretax return on assets | 1.4356% | 1,560 |
| Return on Equity (ROE) | 21.3800% | 510 |
| Retained earnings to average equity (ytd only) | 3.5292% | 3,110 |
| Net charge-offs to loans | 0.0612% | 1,242 |
| Credit loss provision to net charge-offs | 89.2857% | 1,954 |
| Earnings coverage of net charge-offs (x) | 39.2500% | 1,460 |
| Efficiency ratio | 57.0787% | 3,386 |
| Assets per employee ($millions) | 5.6504% | 3,114 |
| Cash dividends to net income (ytd only)* | 83.4894% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 3,500 |
| Loan loss allowance to noncurrent loans | 581.1688% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 2,153 |
| Noncurrent loans to loans | 0.1648% | 2,696 |
| Net loans and leases to total assets | 68.2600% | 2,007 |
| Net loans and leases to deposits | 77.9347% | 2,269 |
| Net loans and leases to core deposits | 85.5319% | 2,340 |
| Total domestic deposits to total assets | 87.5900% | 1,490 |
| Equity capital to assets | 7.1481% | 3,877 |
| Core capital (leverage) ratio | 10.5443% | 2,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2619% | 1,215 |
| Memoranda: | ||
| Average total assets | $271,807,600 | 2,570 |
| Average earning assets | $257,035,600 | 2,531 |
| Average equity | $17,482,800 | 3,056 |
| Average total loans | $183,096,400 | 2,420 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9512% | 1,944 |
| Cost of funding earning assets | 1.4391% | 1,767 |
| Net interest margin | 3.5121% | 2,181 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.1474% | 3,217 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.4944% | 1,136 |
| Return on assets (ROA) | 1.3070% | 1,517 |
| Pretax return on assets | 1.3438% | 1,915 |
| Return on Equity (ROE) | 20.9000% | 648 |
| Retained earnings to average equity (ytd only) | 5.8485% | 2,676 |
| Net charge-offs to loans | 0.0827% | 900 |
| Credit loss provision to net charge-offs | 61.9469% | 1,851 |
| Earnings coverage of net charge-offs (x) | 28.3628% | 1,618 |
| Efficiency ratio | 57.7456% | 3,240 |
| Assets per employee ($millions) | 5.6904% | 3,030 |
| Cash dividends to net income (ytd only)* | 72.0180% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9589% | 3,533 |
| Loan loss allowance to noncurrent loans | 431.1275% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 2,082 |
| Noncurrent loans to loans | 0.2224% | 2,462 |
| Net loans and leases to total assets | 66.5200% | 2,198 |
| Net loans and leases to deposits | 75.2843% | 2,477 |
| Net loans and leases to core deposits | 82.2009% | 2,454 |
| Total domestic deposits to total assets | 88.3500% | 1,460 |
| Equity capital to assets | 6.0395% | 3,973 |
| Core capital (leverage) ratio | 10.5361% | 2,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2564% | 1,255 |
| Memoranda: | ||
| Average total assets | $271,954,500 | 2,571 |
| Average earning assets | $257,277,250 | 2,538 |
| Average equity | $17,006,750 | 3,084 |
| Average total loans | $182,139,750 | 2,425 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7647% | 2,074 |
| Cost of funding earning assets | 1.3128% | 1,674 |
| Net interest margin | 3.4520% | 2,383 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.1093% | 3,322 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.4841% | 1,138 |
| Return on assets (ROA) | 1.1997% | 1,821 |
| Pretax return on assets | 1.2218% | 2,308 |
| Return on Equity (ROE) | 18.9700% | 832 |
| Retained earnings to average equity (ytd only) | 4.9951% | 2,940 |
| Net charge-offs to loans | 0.1310% | 567 |
| Credit loss provision to net charge-offs | 46.2185% | 1,687 |
| Earnings coverage of net charge-offs (x) | 17.7143% | 1,788 |
| Efficiency ratio | 57.6026% | 3,242 |
| Assets per employee ($millions) | 5.6819% | 2,992 |
| Cash dividends to net income (ytd only)* | 73.6648% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9502% | 3,623 |
| Loan loss allowance to noncurrent loans | 147.2881% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4976% | 1,092 |
| Noncurrent loans to loans | 0.6452% | 1,159 |
| Net loans and leases to total assets | 66.4300% | 2,109 |
| Net loans and leases to deposits | 75.5695% | 2,356 |
| Net loans and leases to core deposits | 82.4378% | 2,299 |
| Total domestic deposits to total assets | 87.9000% | 1,643 |
| Equity capital to assets | 6.4767% | 4,001 |
| Core capital (leverage) ratio | 10.5013% | 2,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0755% | 1,303 |
| Memoranda: | ||
| Average total assets | $271,560,333 | 2,579 |
| Average earning assets | $257,012,667 | 2,546 |
| Average equity | $17,177,000 | 3,090 |
| Average total loans | $181,706,000 | 2,423 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6617% | 1,945 |
| Cost of funding earning assets | 1.1650% | 1,549 |
| Net interest margin | 3.4967% | 2,375 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.1596% | 3,225 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5308% | 1,115 |
| Return on assets (ROA) | 0.9492% | 2,653 |
| Pretax return on assets | 0.9492% | 3,130 |
| Return on Equity (ROE) | 15.1900% | 1,520 |
| Retained earnings to average equity (ytd only) | 1.0157% | 3,863 |
| Net charge-offs to loans | 0.2695% | 282 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 1,719 |
| Efficiency ratio | 58.5200% | 3,130 |
| Assets per employee ($millions) | 5.6372% | 3,083 |
| Cash dividends to net income (ytd only)* | 93.3126% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9221% | 3,792 |
| Loan loss allowance to noncurrent loans | 516.9231% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 2,257 |
| Noncurrent loans to loans | 0.1784% | 2,588 |
| Net loans and leases to total assets | 66.7100% | 1,986 |
| Net loans and leases to deposits | 75.8370% | 2,136 |
| Net loans and leases to core deposits | 81.8755% | 2,125 |
| Total domestic deposits to total assets | 87.9700% | 1,935 |
| Equity capital to assets | 6.4907% | 4,031 |
| Core capital (leverage) ratio | 10.3798% | 2,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8010% | 1,417 |
| Memoranda: | ||
| Average total assets | $270,975,500 | 2,608 |
| Average earning assets | $256,129,500 | 2,577 |
| Average equity | $16,933,500 | 3,134 |
| Average total loans | $181,109,000 | 2,442 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 1,239 |
| Cost of funding earning assets | 0.6805% | 640 |
| Net interest margin | 3.5222% | 1,861 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.1623% | 3,119 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.5366% | 801 |
| Return on assets (ROA) | 1.5366% | 776 |
| Pretax return on assets | 1.5366% | 1,337 |
| Return on Equity (ROE) | 20.8000% | 405 |
| Retained earnings to average equity (ytd only) | 3.9650% | 3,408 |
| Net charge-offs to loans | 0.0078% | 2,104 |
| Credit loss provision to net charge-offs | 1,423.0769% | 344 |
| Earnings coverage of net charge-offs (x) | 322.1538% | 467 |
| Efficiency ratio | 57.3567% | 3,421 |
| Assets per employee ($millions) | 5.5380% | 3,175 |
| Cash dividends to net income (ytd only)* | 80.9393% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 3,380 |
| Loan loss allowance to noncurrent loans | 76.6482% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.8664% | 530 |
| Noncurrent loans to loans | 1.3059% | 525 |
| Net loans and leases to total assets | 65.6800% | 2,074 |
| Net loans and leases to deposits | 75.2827% | 2,150 |
| Net loans and leases to core deposits | 80.9558% | 2,081 |
| Total domestic deposits to total assets | 87.2400% | 2,308 |
| Equity capital to assets | 6.0082% | 4,083 |
| Core capital (leverage) ratio | 10.5031% | 2,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8427% | 1,404 |
| Memoranda: | ||
| Average total assets | $260,514,400 | 2,666 |
| Average earning assets | $245,270,800 | 2,639 |
| Average equity | $19,243,600 | 3,014 |
| Average total loans | $166,718,200 | 2,490 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0912% | 1,084 |
| Cost of funding earning assets | 0.6526% | 331 |
| Net interest margin | 3.4387% | 1,845 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.1706% | 3,004 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.4440% | 969 |
| Return on assets (ROA) | 1.4440% | 947 |
| Pretax return on assets | 1.4440% | 1,584 |
| Return on Equity (ROE) | 18.6300% | 563 |
| Retained earnings to average equity (ytd only) | 5.0186% | 3,094 |
| Net charge-offs to loans | 0.0212% | 1,409 |
| Credit loss provision to net charge-offs | 500.0000% | 606 |
| Earnings coverage of net charge-offs (x) | 112.3846% | 879 |
| Efficiency ratio | 58.9549% | 3,257 |
| Assets per employee ($millions) | 5.4588% | 3,268 |
| Cash dividends to net income (ytd only)* | 73.0659% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,481 |
| Loan loss allowance to noncurrent loans | 81.9471% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.8076% | 621 |
| Noncurrent loans to loans | 1.2204% | 601 |
| Net loans and leases to total assets | 65.5100% | 1,933 |
| Net loans and leases to deposits | 73.4416% | 2,097 |
| Net loans and leases to core deposits | 79.3986% | 1,944 |
| Total domestic deposits to total assets | 89.2000% | 2,002 |
| Equity capital to assets | 5.7041% | 4,073 |
| Core capital (leverage) ratio | 10.6520% | 1,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8606% | 1,207 |
| Memoranda: | ||
| Average total assets | $257,802,000 | 2,698 |
| Average earning assets | $242,528,750 | 2,676 |
| Average equity | $19,978,500 | 3,001 |
| Average total loans | $163,391,000 | 2,514 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0025% | 936 |
| Cost of funding earning assets | 0.6647% | 192 |
| Net interest margin | 3.3377% | 1,796 |
| Noninterest income to average assets | 0.4454% | 2,481 |
| Noninterest expense to average assets | 2.1116% | 3,120 |
| Loan and lease loss provision to assets | 0.0858% | 1,157 |
| Net operating income to assets | 1.3854% | 940 |
| Return on assets (ROA) | 1.3854% | 916 |
| Pretax return on assets | 1.3854% | 1,482 |
| Return on Equity (ROE) | 16.4019% | 647 |
| Retained earnings to average equity (ytd only) | 4.2113% | 3,007 |
| Net charge-offs to loans | 0.0650% | 767 |
| Credit loss provision to net charge-offs | 211.5385% | 946 |
| Earnings coverage of net charge-offs (x) | 36.2692% | 1,307 |
| Efficiency ratio | 58.9375% | 3,442 |
| Assets per employee ($millions) | 5.5323% | 3,192 |
| Cash dividends to net income (ytd only)* | 74.3243% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 3,582 |
| Loan loss allowance to noncurrent loans | 172.0693% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 1,488 |
| Noncurrent loans to loans | 0.5827% | 1,450 |
| Net loans and leases to total assets | 64.1006% | 1,904 |
| Net loans and leases to deposits | 71.7293% | 2,050 |
| Net loans and leases to core deposits | 77.8591% | 1,862 |
| Total domestic deposits to total assets | 89.3646% | 2,018 |
| Equity capital to assets | 7.0284% | 3,754 |
| Core capital (leverage) ratio | 10.6027% | 1,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6662% | 1,270 |
| Memoranda: | ||
| Average total assets | $256,396,000 | 2,732 |
| Average earning assets | $241,002,000 | 2,714 |
| Average equity | $21,656,000 | 2,931 |
| Average total loans | $160,061,000 | 2,548 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9170% | 898 |
| Cost of funding earning assets | 0.6787% | 172 |
| Net interest margin | 3.2382% | 1,759 |
| Noninterest income to average assets | 0.4305% | 2,497 |
| Noninterest expense to average assets | 2.0221% | 3,380 |
| Loan and lease loss provision to assets | 0.0236% | 1,936 |
| Net operating income to assets | 1.4282% | 743 |
| Return on assets (ROA) | 1.4282% | 743 |
| Pretax return on assets | 1.4282% | 1,184 |
| Return on Equity (ROE) | 15.5741% | 574 |
| Retained earnings to average equity (ytd only) | 4.2662% | 2,846 |
| Net charge-offs to loans | 0.1642% | 362 |
| Credit loss provision to net charge-offs | 23.4375% | 1,280 |
| Earnings coverage of net charge-offs (x) | 14.4375% | 1,371 |
| Efficiency ratio | 58.2090% | 3,661 |
| Assets per employee ($millions) | 5.4161% | 3,378 |
| Cash dividends to net income (ytd only)* | 72.6073% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 3,692 |
| Loan loss allowance to noncurrent loans | 164.0041% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 1,594 |
| Noncurrent loans to loans | 0.6142% | 1,523 |
| Net loans and leases to total assets | 61.0327% | 1,959 |
| Net loans and leases to deposits | 69.1991% | 2,038 |
| Net loans and leases to core deposits | 75.3732% | 1,819 |
| Total domestic deposits to total assets | 88.1987% | 2,433 |
| Equity capital to assets | 8.1302% | 3,466 |
| Core capital (leverage) ratio | 10.6626% | 1,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9653% | 1,051 |
| Memoranda: | ||
| Average total assets | $254,585,000 | 2,756 |
| Average earning assets | $239,266,000 | 2,742 |
| Average equity | $23,346,500 | 2,879 |
| Average total loans | $155,911,000 | 2,584 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9742% | 1,422 |
| Cost of funding earning assets | 0.7792% | 223 |
| Net interest margin | 3.1951% | 2,609 |
| Noninterest income to average assets | 0.5934% | 2,187 |
| Noninterest expense to average assets | 2.1718% | 3,170 |
| Loan and lease loss provision to assets | 0.0205% | 2,658 |
| Net operating income to assets | 1.4070% | 1,255 |
| Return on assets (ROA) | 1.4070% | 1,314 |
| Pretax return on assets | 1.4070% | 2,030 |
| Return on Equity (ROE) | 13.1998% | 1,397 |
| Retained earnings to average equity (ytd only) | 1.8695% | 4,019 |
| Net charge-offs to loans | -0.0291% | 4,110 |
| Credit loss provision to net charge-offs | -113.3333% | 3,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3400% | 3,105 |
| Assets per employee ($millions) | 5.3044% | 3,472 |
| Cash dividends to net income (ytd only)* | 85.8369% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 3,562 |
| Loan loss allowance to noncurrent loans | 302.9740% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 2,507 |
| Noncurrent loans to loans | 0.3474% | 2,336 |
| Net loans and leases to total assets | 60.1886% | 2,143 |
| Net loans and leases to deposits | 69.9948% | 2,133 |
| Net loans and leases to core deposits | 76.2849% | 1,896 |
| Total domestic deposits to total assets | 85.9901% | 2,910 |
| Equity capital to assets | 10.2104% | 2,458 |
| Core capital (leverage) ratio | 10.5478% | 1,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8410% | 1,081 |
| Memoranda: | ||
| Average total assets | $248,408,400 | 2,740 |
| Average earning assets | $233,705,200 | 2,722 |
| Average equity | $26,477,600 | 2,754 |
| Average total loans | $154,801,400 | 2,591 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0171% | 1,500 |
| Cost of funding earning assets | 0.7924% | 252 |
| Net interest margin | 3.2247% | 2,651 |
| Noninterest income to average assets | 0.6125% | 2,161 |
| Noninterest expense to average assets | 2.1712% | 3,161 |
| Loan and lease loss provision to assets | 0.0275% | 2,442 |
| Net operating income to assets | 1.4470% | 1,405 |
| Return on assets (ROA) | 1.4470% | 1,467 |
| Pretax return on assets | 1.4470% | 2,161 |
| Return on Equity (ROE) | 13.4294% | 1,564 |
| Retained earnings to average equity (ytd only) | 3.2032% | 3,826 |
| Net charge-offs to loans | -0.0233% | 4,023 |
| Credit loss provision to net charge-offs | -188.8889% | 3,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5556% | 3,057 |
| Assets per employee ($millions) | 5.2827% | 3,422 |
| Cash dividends to net income (ytd only)* | 76.1478% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,844 |
| Loan loss allowance to noncurrent loans | 937.2093% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 3,650 |
| Noncurrent loans to loans | 0.1067% | 3,560 |
| Net loans and leases to total assets | 62.9150% | 1,901 |
| Net loans and leases to deposits | 73.9222% | 1,863 |
| Net loans and leases to core deposits | 80.5633% | 1,687 |
| Total domestic deposits to total assets | 85.1098% | 3,075 |
| Equity capital to assets | 10.5892% | 2,380 |
| Core capital (leverage) ratio | 10.7589% | 1,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4009% | 897 |
| Memoranda: | ||
| Average total assets | $246,857,250 | 2,771 |
| Average earning assets | $232,201,500 | 2,754 |
| Average equity | $26,597,750 | 2,783 |
| Average total loans | $154,782,250 | 2,629 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9827% | 1,608 |
| Cost of funding earning assets | 0.8061% | 285 |
| Net interest margin | 3.1766% | 2,826 |
| Noninterest income to average assets | 0.6966% | 1,820 |
| Noninterest expense to average assets | 2.2059% | 3,076 |
| Loan and lease loss provision to assets | 0.0164% | 2,627 |
| Net operating income to assets | 1.4610% | 1,394 |
| Return on assets (ROA) | 1.4610% | 1,456 |
| Pretax return on assets | 1.4610% | 2,133 |
| Return on Equity (ROE) | 13.4800% | 1,571 |
| Retained earnings to average equity (ytd only) | 4.4280% | 3,388 |
| Net charge-offs to loans | -0.0341% | 4,208 |
| Credit loss provision to net charge-offs | -76.9231% | 3,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8890% | 3,026 |
| Assets per employee ($millions) | 5.0561% | 3,612 |
| Cash dividends to net income (ytd only)* | 67.1517% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 3,734 |
| Loan loss allowance to noncurrent loans | 827.2251% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 3,703 |
| Noncurrent loans to loans | 0.1242% | 3,569 |
| Net loans and leases to total assets | 60.1877% | 2,406 |
| Net loans and leases to deposits | 70.7592% | 2,335 |
| Net loans and leases to core deposits | 77.9229% | 2,054 |
| Total domestic deposits to total assets | 85.0600% | 3,068 |
| Equity capital to assets | 10.5596% | 2,343 |
| Core capital (leverage) ratio | 10.8694% | 1,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3444% | 903 |
| Memoranda: | ||
| Average total assets | $244,620,000 | 2,776 |
| Average earning assets | $229,996,667 | 2,764 |
| Average equity | $26,513,333 | 2,784 |
| Average total loans | $152,661,333 | 2,656 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0011% | 1,607 |
| Cost of funding earning assets | 0.8260% | 312 |
| Net interest margin | 3.1751% | 2,773 |
| Noninterest income to average assets | 0.7301% | 1,770 |
| Noninterest expense to average assets | 2.2251% | 3,025 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4901% | 1,355 |
| Return on assets (ROA) | 1.4901% | 1,418 |
| Pretax return on assets | 1.4901% | 2,023 |
| Return on Equity (ROE) | 13.5642% | 1,522 |
| Retained earnings to average equity (ytd only) | 4.4810% | 3,370 |
| Net charge-offs to loans | -0.0526% | 4,415 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8926% | 3,046 |
| Assets per employee ($millions) | 4.9978% | 3,662 |
| Cash dividends to net income (ytd only)* | 66.9643% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 3,740 |
| Loan loss allowance to noncurrent loans | 255.5921% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 2,843 |
| Noncurrent loans to loans | 0.4016% | 2,663 |
| Net loans and leases to total assets | 61.1839% | 2,380 |
| Net loans and leases to deposits | 72.1026% | 2,305 |
| Net loans and leases to core deposits | 77.3362% | 2,230 |
| Total domestic deposits to total assets | 84.8567% | 3,164 |
| Equity capital to assets | 10.6079% | 2,163 |
| Core capital (leverage) ratio | 11.2304% | 1,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6954% | 824 |
| Memoranda: | ||
| Average total assets | $240,528,000 | 2,795 |
| Average earning assets | $226,136,500 | 2,773 |
| Average equity | $26,422,500 | 2,774 |
| Average total loans | $152,123,500 | 2,670 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4887% | 1,340 |
| Cost of funding earning assets | 1.0398% | 511 |
| Net interest margin | 3.4489% | 2,630 |
| Noninterest income to average assets | 0.4880% | 2,682 |
| Noninterest expense to average assets | 2.4742% | 2,928 |
| Loan and lease loss provision to assets | 0.0439% | 3,851 |
| Net operating income to assets | 1.1938% | 1,576 |
| Return on assets (ROA) | 1.1938% | 1,678 |
| Pretax return on assets | 1.1938% | 2,346 |
| Return on Equity (ROE) | 10.2154% | 1,926 |
| Retained earnings to average equity (ytd only) | 1.1952% | 4,150 |
| Net charge-offs to loans | 0.0817% | 1,657 |
| Credit loss provision to net charge-offs | 79.3651% | 2,992 |
| Earnings coverage of net charge-offs (x) | 22.3651% | 1,857 |
| Efficiency ratio | 66.6548% | 2,414 |
| Assets per employee ($millions) | 4.8197% | 3,588 |
| Cash dividends to net income (ytd only)* | 88.3002% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 3,849 |
| Loan loss allowance to noncurrent loans | 137.3321% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.4730% | 2,144 |
| Noncurrent loans to loans | 0.7307% | 1,876 |
| Net loans and leases to total assets | 64.0761% | 2,353 |
| Net loans and leases to deposits | 76.6062% | 2,215 |
| Net loans and leases to core deposits | 82.4102% | 2,163 |
| Total domestic deposits to total assets | 83.6435% | 3,220 |
| Equity capital to assets | 11.3765% | 1,970 |
| Core capital (leverage) ratio | 11.2641% | 1,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4766% | 839 |
| Memoranda: | ||
| Average total assets | $227,667,800 | 2,739 |
| Average earning assets | $212,824,000 | 2,724 |
| Average equity | $26,606,800 | 2,703 |
| Average total loans | $154,293,000 | 2,624 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5094% | 1,548 |
| Cost of funding earning assets | 1.0746% | 585 |
| Net interest margin | 3.4348% | 2,798 |
| Noninterest income to average assets | 0.4794% | 2,698 |
| Noninterest expense to average assets | 2.4521% | 2,983 |
| Loan and lease loss provision to assets | 0.0590% | 3,615 |
| Net operating income to assets | 1.1746% | 1,730 |
| Return on assets (ROA) | 1.1746% | 1,850 |
| Pretax return on assets | 1.1746% | 2,473 |
| Return on Equity (ROE) | 9.9815% | 2,024 |
| Retained earnings to average equity (ytd only) | 1.5422% | 4,068 |
| Net charge-offs to loans | 0.1052% | 1,272 |
| Credit loss provision to net charge-offs | 81.9672% | 2,748 |
| Earnings coverage of net charge-offs (x) | 17.1066% | 2,032 |
| Efficiency ratio | 66.5277% | 2,399 |
| Assets per employee ($millions) | 4.6582% | 3,647 |
| Cash dividends to net income (ytd only)* | 84.5496% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 3,627 |
| Loan loss allowance to noncurrent loans | 52.2241% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.2644% | 761 |
| Noncurrent loans to loans | 1.9489% | 628 |
| Net loans and leases to total assets | 64.2197% | 2,745 |
| Net loans and leases to deposits | 77.4943% | 2,588 |
| Net loans and leases to core deposits | 83.2961% | 2,549 |
| Total domestic deposits to total assets | 82.8702% | 3,175 |
| Equity capital to assets | 11.5341% | 1,979 |
| Core capital (leverage) ratio | 11.4284% | 1,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5011% | 839 |
| Memoranda: | ||
| Average total assets | $225,544,000 | 2,732 |
| Average earning assets | $210,548,250 | 2,724 |
| Average equity | $26,541,750 | 2,694 |
| Average total loans | $154,651,750 | 2,627 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6309% | 1,582 |
| Cost of funding earning assets | 1.1132% | 688 |
| Net interest margin | 3.5176% | 2,731 |
| Noninterest income to average assets | 0.4554% | 2,785 |
| Noninterest expense to average assets | 2.4914% | 2,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2417% | 1,516 |
| Return on assets (ROA) | 1.2417% | 1,632 |
| Pretax return on assets | 1.2417% | 2,213 |
| Return on Equity (ROE) | 10.4788% | 1,818 |
| Retained earnings to average equity (ytd only) | 1.6267% | 3,899 |
| Net charge-offs to loans | -0.0359% | 4,592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7387% | 2,412 |
| Assets per employee ($millions) | 4.6180% | 3,628 |
| Cash dividends to net income (ytd only)* | 84.4765% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,441 |
| Loan loss allowance to noncurrent loans | 77.2860% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 0.8904% | 1,372 |
| Noncurrent loans to loans | 1.3261% | 1,166 |
| Net loans and leases to total assets | 66.4560% | 2,564 |
| Net loans and leases to deposits | 80.2980% | 2,390 |
| Net loans and leases to core deposits | 86.1486% | 2,421 |
| Total domestic deposits to total assets | 82.7618% | 3,158 |
| Equity capital to assets | 11.6172% | 1,900 |
| Core capital (leverage) ratio | 11.6406% | 1,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4727% | 851 |
| Memoranda: | ||
| Average total assets | $223,088,667 | 2,730 |
| Average earning assets | $207,866,667 | 2,725 |
| Average equity | $26,434,333 | 2,687 |
| Average total loans | $155,831,667 | 2,604 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8551% | 1,300 |
| Cost of funding earning assets | 1.1561% | 889 |
| Net interest margin | 3.6990% | 2,321 |
| Noninterest income to average assets | 0.3997% | 3,110 |
| Noninterest expense to average assets | 2.4947% | 3,282 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3559% | 1,090 |
| Return on assets (ROA) | 1.3559% | 1,173 |
| Pretax return on assets | 1.3559% | 1,700 |
| Return on Equity (ROE) | 11.3264% | 1,317 |
| Retained earnings to average equity (ytd only) | 1.2653% | 3,679 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7867% | 3,108 |
| Assets per employee ($millions) | 4.2497% | 3,595 |
| Cash dividends to net income (ytd only)* | 88.8291% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 3,728 |
| Loan loss allowance to noncurrent loans | 72.8631% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.0100% | 1,304 |
| Noncurrent loans to loans | 1.3686% | 1,176 |
| Net loans and leases to total assets | 70.0862% | 2,239 |
| Net loans and leases to deposits | 85.2192% | 2,090 |
| Net loans and leases to core deposits | 91.8286% | 2,181 |
| Total domestic deposits to total assets | 82.2422% | 3,345 |
| Equity capital to assets | 11.8904% | 2,147 |
| Core capital (leverage) ratio | 12.0528% | 1,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6348% | 912 |
| Memoranda: | ||
| Average total assets | $219,183,000 | 2,718 |
| Average earning assets | $204,486,000 | 2,707 |
| Average equity | $26,239,500 | 2,693 |
| Average total loans | $156,229,500 | 2,578 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0864% | 1,244 |
| Cost of funding earning assets | 1.1046% | 1,306 |
| Net interest margin | 3.9818% | 1,905 |
| Noninterest income to average assets | 0.4993% | 2,745 |
| Noninterest expense to average assets | 2.5801% | 3,235 |
| Loan and lease loss provision to assets | 0.2196% | 885 |
| Net operating income to assets | 1.4526% | 1,176 |
| Return on assets (ROA) | 1.4526% | 1,236 |
| Pretax return on assets | 1.4526% | 1,969 |
| Return on Equity (ROE) | 12.1706% | 1,448 |
| Retained earnings to average equity (ytd only) | 1.4797% | 4,216 |
| Net charge-offs to loans | 0.3246% | 640 |
| Credit loss provision to net charge-offs | 91.6988% | 2,633 |
| Earnings coverage of net charge-offs (x) | 6.9826% | 2,917 |
| Efficiency ratio | 60.6762% | 3,590 |
| Assets per employee ($millions) | 4.2624% | 3,563 |
| Cash dividends to net income (ytd only)* | 87.8421% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 3,518 |
| Loan loss allowance to noncurrent loans | 116.2444% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.7163% | 1,811 |
| Noncurrent loans to loans | 0.8602% | 1,790 |
| Net loans and leases to total assets | 71.0545% | 2,240 |
| Net loans and leases to deposits | 87.1139% | 1,953 |
| Net loans and leases to core deposits | 93.8299% | 2,080 |
| Total domestic deposits to total assets | 81.5651% | 3,625 |
| Equity capital to assets | 12.0540% | 2,103 |
| Core capital (leverage) ratio | 12.1260% | 1,696 |
| Tier 1 risk-based capital ratio | 18.4790% | 1,635 |
| Total risk-based capital ratio | 19.5764% | 1,649 |
| Memoranda: | ||
| Average total assets | $216,307,600 | 2,697 |
| Average earning assets | $203,879,000 | 2,672 |
| Average equity | $25,816,400 | 2,649 |
| Average total loans | $159,602,200 | 2,515 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9609% | 1,650 |
| Cost of funding earning assets | 1.0802% | 1,428 |
| Net interest margin | 3.8806% | 2,327 |
| Noninterest income to average assets | 0.5048% | 2,695 |
| Noninterest expense to average assets | 2.5452% | 3,313 |
| Loan and lease loss provision to assets | 0.1234% | 1,582 |
| Net operating income to assets | 1.4966% | 1,195 |
| Return on assets (ROA) | 1.4966% | 1,255 |
| Pretax return on assets | 1.4966% | 1,967 |
| Return on Equity (ROE) | 12.5711% | 1,422 |
| Retained earnings to average equity (ytd only) | 2.3069% | 4,173 |
| Net charge-offs to loans | -0.0158% | 4,517 |
| Credit loss provision to net charge-offs | -1,052.6316% | 4,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1053% | 3,462 |
| Assets per employee ($millions) | 4.3581% | 3,404 |
| Cash dividends to net income (ytd only)* | 81.6494% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 2,824 |
| Loan loss allowance to noncurrent loans | 31.5990% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 2.6461% | 237 |
| Noncurrent loans to loans | 3.6083% | 210 |
| Net loans and leases to total assets | 72.4972% | 2,084 |
| Net loans and leases to deposits | 89.6063% | 1,744 |
| Net loans and leases to core deposits | 96.5045% | 1,960 |
| Total domestic deposits to total assets | 80.9064% | 3,789 |
| Equity capital to assets | 12.0828% | 2,195 |
| Core capital (leverage) ratio | 12.1709% | 1,747 |
| Tier 1 risk-based capital ratio | 17.8288% | 1,869 |
| Total risk-based capital ratio | 19.0624% | 1,818 |
| Memoranda: | ||
| Average total assets | $216,039,250 | 2,714 |
| Average earning assets | $203,777,000 | 2,690 |
| Average equity | $25,719,750 | 2,666 |
| Average total loans | $160,498,000 | 2,529 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9834% | 1,525 |
| Cost of funding earning assets | 1.0480% | 1,503 |
| Net interest margin | 3.9353% | 2,135 |
| Noninterest income to average assets | 0.5162% | 2,586 |
| Noninterest expense to average assets | 2.5792% | 3,250 |
| Loan and lease loss provision to assets | 0.0464% | 2,889 |
| Net operating income to assets | 1.6034% | 905 |
| Return on assets (ROA) | 1.6034% | 944 |
| Pretax return on assets | 1.6034% | 1,539 |
| Return on Equity (ROE) | 13.5362% | 1,093 |
| Retained earnings to average equity (ytd only) | 3.1901% | 3,631 |
| Net charge-offs to loans | -0.0236% | 4,607 |
| Credit loss provision to net charge-offs | -263.1579% | 4,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9879% | 3,579 |
| Assets per employee ($millions) | 4.4037% | 3,280 |
| Cash dividends to net income (ytd only)* | 76.4331% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 3,387 |
| Loan loss allowance to noncurrent loans | 48.4919% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.5979% | 680 |
| Noncurrent loans to loans | 2.1468% | 638 |
| Net loans and leases to total assets | 73.6578% | 1,941 |
| Net loans and leases to deposits | 91.2054% | 1,594 |
| Net loans and leases to core deposits | 97.8056% | 1,899 |
| Total domestic deposits to total assets | 80.7603% | 3,880 |
| Equity capital to assets | 12.1441% | 2,085 |
| Core capital (leverage) ratio | 12.1759% | 1,712 |
| Tier 1 risk-based capital ratio | 17.8031% | 1,855 |
| Total risk-based capital ratio | 18.9351% | 1,838 |
| Memoranda: | ||
| Average total assets | $215,417,330 | 2,729 |
| Average earning assets | $203,235,670 | 2,704 |
| Average equity | $25,516,670 | 2,673 |
| Average total loans | $160,731,670 | 2,529 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9505% | 1,476 |
| Cost of funding earning assets | 1.0070% | 1,542 |
| Net interest margin | 3.9434% | 2,051 |
| Noninterest income to average assets | 0.4572% | 2,813 |
| Noninterest expense to average assets | 2.4977% | 3,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6782% | 766 |
| Return on assets (ROA) | 1.6782% | 791 |
| Pretax return on assets | 1.6782% | 1,264 |
| Return on Equity (ROE) | 14.3490% | 888 |
| Retained earnings to average equity (ytd only) | 3.8614% | 3,374 |
| Net charge-offs to loans | -0.0025% | 3,895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8131% | 3,835 |
| Assets per employee ($millions) | 4.2779% | 3,514 |
| Cash dividends to net income (ytd only)* | 73.0897% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 3,721 |
| Loan loss allowance to noncurrent loans | 48.4007% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 1.5190% | 781 |
| Noncurrent loans to loans | 2.0631% | 711 |
| Net loans and leases to total assets | 72.8910% | 2,006 |
| Net loans and leases to deposits | 89.6980% | 1,667 |
| Net loans and leases to core deposits | 96.2214% | 1,912 |
| Total domestic deposits to total assets | 81.2627% | 3,914 |
| Equity capital to assets | 11.7309% | 2,203 |
| Core capital (leverage) ratio | 12.3555% | 1,580 |
| Tier 1 risk-based capital ratio | 17.9387% | 1,807 |
| Total risk-based capital ratio | 19.0399% | 1,813 |
| Memoranda: | ||
| Average total assets | $215,234,500 | 2,762 |
| Average earning assets | $202,971,000 | 2,735 |
| Average equity | $25,172,500 | 2,698 |
| Average total loans | $160,791,000 | 2,555 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8429% | 1,442 |
| Cost of funding earning assets | 0.7972% | 1,536 |
| Net interest margin | 4.0457% | 1,843 |
| Noninterest income to average assets | 0.4638% | 3,030 |
| Noninterest expense to average assets | 2.6671% | 3,133 |
| Loan and lease loss provision to assets | 0.0533% | 3,115 |
| Net operating income to assets | 1.5664% | 955 |
| Return on assets (ROA) | 1.5655% | 950 |
| Pretax return on assets | 1.5655% | 1,566 |
| Return on Equity (ROE) | 13.5121% | 1,168 |
| Retained earnings to average equity (ytd only) | 1.3060% | 4,611 |
| Net charge-offs to loans | 0.0697% | 2,120 |
| Credit loss provision to net charge-offs | 103.6697% | 2,448 |
| Earnings coverage of net charge-offs (x) | 31.5229% | 1,540 |
| Efficiency ratio | 62.2168% | 3,484 |
| Assets per employee ($millions) | 4.2459% | 3,550 |
| Cash dividends to net income (ytd only)* | 90.3342% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 3,730 |
| Loan loss allowance to noncurrent loans | 43.8337% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 1.7226% | 622 |
| Noncurrent loans to loans | 2.2722% | 562 |
| Net loans and leases to total assets | 75.0586% | 1,764 |
| Net loans and leases to deposits | 90.1405% | 1,779 |
| Net loans and leases to core deposits | 96.4249% | 2,020 |
| Total domestic deposits to total assets | 83.2685% | 3,235 |
| Equity capital to assets | 11.6588% | 2,131 |
| Core capital (leverage) ratio | 12.1384% | 1,649 |
| Tier 1 risk-based capital ratio | 18.2174% | 1,691 |
| Total risk-based capital ratio | 19.3454% | 1,689 |
| Memoranda: | ||
| Average total assets | $212,137,600 | 2,753 |
| Average earning assets | $200,458,200 | 2,716 |
| Average equity | $24,578,000 | 2,672 |
| Average total loans | $156,329,000 | 2,561 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7839% | 1,469 |
| Cost of funding earning assets | 0.7594% | 1,538 |
| Net interest margin | 4.0245% | 1,877 |
| Noninterest income to average assets | 0.4746% | 3,017 |
| Noninterest expense to average assets | 2.6075% | 3,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6715% | 799 |
| Return on assets (ROA) | 1.6703% | 805 |
| Pretax return on assets | 1.6703% | 1,346 |
| Return on Equity (ROE) | 14.4390% | 1,002 |
| Retained earnings to average equity (ytd only) | 3.3530% | 4,076 |
| Net charge-offs to loans | 0.0172% | 2,823 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 132.9299% | 611 |
| Efficiency ratio | 60.9373% | 3,665 |
| Assets per employee ($millions) | 4.3315% | 3,383 |
| Cash dividends to net income (ytd only)* | 76.7782% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 3,798 |
| Loan loss allowance to noncurrent loans | 54.1310% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.3932% | 957 |
| Noncurrent loans to loans | 1.8385% | 831 |
| Net loans and leases to total assets | 74.0083% | 1,980 |
| Net loans and leases to deposits | 88.7633% | 2,056 |
| Net loans and leases to core deposits | 94.8430% | 2,221 |
| Total domestic deposits to total assets | 83.3772% | 3,174 |
| Equity capital to assets | 11.5795% | 2,201 |
| Core capital (leverage) ratio | 12.3466% | 1,580 |
| Tier 1 risk-based capital ratio | 18.3835% | 1,695 |
| Total risk-based capital ratio | 19.4921% | 1,685 |
| Memoranda: | ||
| Average total assets | $212,098,500 | 2,774 |
| Average earning assets | $200,501,500 | 2,730 |
| Average equity | $24,534,750 | 2,685 |
| Average total loans | $155,174,250 | 2,592 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7021% | 1,506 |
| Cost of funding earning assets | 0.7288% | 1,476 |
| Net interest margin | 3.9733% | 1,946 |
| Noninterest income to average assets | 0.4735% | 3,016 |
| Noninterest expense to average assets | 2.5485% | 3,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6789% | 753 |
| Return on assets (ROA) | 1.6770% | 765 |
| Pretax return on assets | 1.6770% | 1,280 |
| Return on Equity (ROE) | 14.5021% | 957 |
| Retained earnings to average equity (ytd only) | 4.7144% | 3,228 |
| Net charge-offs to loans | -0.0104% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2856% | 3,897 |
| Assets per employee ($millions) | 4.0703% | 3,781 |
| Cash dividends to net income (ytd only)* | 67.4916% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 3,696 |
| Loan loss allowance to noncurrent loans | 53.9081% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 1.4321% | 948 |
| Noncurrent loans to loans | 1.8985% | 809 |
| Net loans and leases to total assets | 73.4255% | 2,054 |
| Net loans and leases to deposits | 85.8745% | 2,331 |
| Net loans and leases to core deposits | 91.9841% | 2,401 |
| Total domestic deposits to total assets | 85.5032% | 2,493 |
| Equity capital to assets | 11.6308% | 2,105 |
| Core capital (leverage) ratio | 12.3320% | 1,521 |
| Tier 1 risk-based capital ratio | 18.5508% | 1,662 |
| Total risk-based capital ratio | 19.6911% | 1,653 |
| Memoranda: | ||
| Average total assets | $212,049,670 | 2,791 |
| Average earning assets | $200,337,330 | 2,753 |
| Average equity | $24,520,670 | 2,698 |
| Average total loans | $154,013,000 | 2,621 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6539% | 1,424 |
| Cost of funding earning assets | 0.6258% | 1,874 |
| Net interest margin | 4.0281% | 1,626 |
| Noninterest income to average assets | 0.4523% | 3,095 |
| Noninterest expense to average assets | 2.4726% | 3,738 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7885% | 573 |
| Return on assets (ROA) | 1.7847% | 589 |
| Pretax return on assets | 1.7847% | 942 |
| Return on Equity (ROE) | 15.4786% | 712 |
| Retained earnings to average equity (ytd only) | 5.6717% | 2,858 |
| Net charge-offs to loans | -0.0052% | 4,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0274% | 4,335 |
| Assets per employee ($millions) | 4.1698% | 3,697 |
| Cash dividends to net income (ytd only)* | 63.3580% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 3,707 |
| Loan loss allowance to noncurrent loans | 49.3683% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 1.5259% | 903 |
| Noncurrent loans to loans | 2.1136% | 733 |
| Net loans and leases to total assets | 71.4438% | 2,261 |
| Net loans and leases to deposits | 83.9389% | 2,394 |
| Net loans and leases to core deposits | 90.0759% | 2,447 |
| Total domestic deposits to total assets | 85.1141% | 2,896 |
| Equity capital to assets | 11.4828% | 2,151 |
| Core capital (leverage) ratio | 12.2090% | 1,522 |
| Tier 1 risk-based capital ratio | 18.0833% | 1,815 |
| Total risk-based capital ratio | 19.2012% | 1,799 |
| Memoranda: | ||
| Average total assets | $212,247,500 | 2,816 |
| Average earning assets | $200,690,000 | 2,780 |
| Average equity | $24,472,500 | 2,722 |
| Average total loans | $152,512,000 | 2,655 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6797% | 1,245 |
| Cost of funding earning assets | 0.6412% | 1,351 |
| Net interest margin | 4.0385% | 1,630 |
| Noninterest income to average assets | 0.4470% | 3,332 |
| Noninterest expense to average assets | 2.5826% | 3,499 |
| Loan and lease loss provision to assets | 0.0372% | 3,524 |
| Net operating income to assets | 1.6393% | 599 |
| Return on assets (ROA) | 1.6388% | 618 |
| Pretax return on assets | 1.6388% | 1,194 |
| Return on Equity (ROE) | 14.3252% | 713 |
| Retained earnings to average equity (ytd only) | 2.6046% | 3,763 |
| Net charge-offs to loans | 0.0333% | 3,123 |
| Credit loss provision to net charge-offs | 160.0000% | 1,670 |
| Earnings coverage of net charge-offs (x) | 72.0200% | 835 |
| Efficiency ratio | 60.6362% | 4,167 |
| Assets per employee ($millions) | 4.1537% | 3,730 |
| Cash dividends to net income (ytd only)* | 81.8182% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 3,589 |
| Loan loss allowance to noncurrent loans | 51.9493% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 1.5163% | 896 |
| Noncurrent loans to loans | 2.0318% | 746 |
| Net loans and leases to total assets | 70.7582% | 2,403 |
| Net loans and leases to deposits | 82.4697% | 2,674 |
| Net loans and leases to core deposits | 89.2007% | 2,635 |
| Total domestic deposits to total assets | 85.7990% | 2,534 |
| Equity capital to assets | 11.5778% | 2,132 |
| Core capital (leverage) ratio | 11.8558% | 1,686 |
| Tier 1 risk-based capital ratio | 18.2900% | 1,718 |
| Total risk-based capital ratio | 19.4340% | 1,703 |
| Memoranda: | ||
| Average total assets | $214,786,800 | 2,767 |
| Average earning assets | $202,748,600 | 2,743 |
| Average equity | $24,572,000 | 2,705 |
| Average total loans | $150,079,400 | 2,652 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6512% | 1,243 |
| Cost of funding earning assets | 0.6396% | 1,310 |
| Net interest margin | 4.0116% | 1,663 |
| Noninterest income to average assets | 0.4355% | 3,435 |
| Noninterest expense to average assets | 2.5624% | 3,529 |
| Loan and lease loss provision to assets | 0.0495% | 3,103 |
| Net operating income to assets | 1.6109% | 691 |
| Return on assets (ROA) | 1.6109% | 712 |
| Pretax return on assets | 1.6109% | 1,375 |
| Return on Equity (ROE) | 14.1229% | 808 |
| Retained earnings to average equity (ytd only) | 4.0351% | 3,523 |
| Net charge-offs to loans | 0.0481% | 2,477 |
| Credit loss provision to net charge-offs | 148.1481% | 1,709 |
| Earnings coverage of net charge-offs (x) | 49.7025% | 1,117 |
| Efficiency ratio | 60.6798% | 4,092 |
| Assets per employee ($millions) | 4.3243% | 3,432 |
| Cash dividends to net income (ytd only)* | 71.4287% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 3,868 |
| Loan loss allowance to noncurrent loans | 129.8860% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 2,499 |
| Noncurrent loans to loans | 0.7981% | 2,361 |
| Net loans and leases to total assets | 70.4273% | 2,497 |
| Net loans and leases to deposits | 82.9694% | 2,664 |
| Net loans and leases to core deposits | 89.7746% | 2,629 |
| Total domestic deposits to total assets | 84.8834% | 2,758 |
| Equity capital to assets | 11.6575% | 2,226 |
| Core capital (leverage) ratio | 11.8329% | 1,796 |
| Tier 1 risk-based capital ratio | 18.1227% | 1,826 |
| Total risk-based capital ratio | 19.2487% | 1,807 |
| Memoranda: | ||
| Average total assets | $215,524,250 | 2,789 |
| Average earning assets | $203,469,250 | 2,757 |
| Average equity | $24,583,500 | 2,725 |
| Average total loans | $149,726,500 | 2,675 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4223% | 1,746 |
| Cost of funding earning assets | 0.6353% | 1,229 |
| Net interest margin | 3.7870% | 2,337 |
| Noninterest income to average assets | 0.4459% | 3,381 |
| Noninterest expense to average assets | 2.5147% | 3,704 |
| Loan and lease loss provision to assets | 0.0743% | 2,485 |
| Net operating income to assets | 1.4287% | 998 |
| Return on assets (ROA) | 1.4287% | 1,027 |
| Pretax return on assets | 1.4287% | 1,902 |
| Return on Equity (ROE) | 12.6188% | 1,135 |
| Retained earnings to average equity (ytd only) | 3.2655% | 3,775 |
| Net charge-offs to loans | 0.2103% | 973 |
| Credit loss provision to net charge-offs | 51.2821% | 2,548 |
| Earnings coverage of net charge-offs (x) | 10.3718% | 2,346 |
| Efficiency ratio | 62.5896% | 3,891 |
| Assets per employee ($millions) | 4.4088% | 3,257 |
| Cash dividends to net income (ytd only)* | 74.1222% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 4,138 |
| Loan loss allowance to noncurrent loans | 54.7488% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 1.3831% | 1,141 |
| Noncurrent loans to loans | 1.8287% | 978 |
| Net loans and leases to total assets | 68.3363% | 2,759 |
| Net loans and leases to deposits | 79.6696% | 2,949 |
| Net loans and leases to core deposits | 85.7628% | 2,904 |
| Total domestic deposits to total assets | 85.7747% | 2,487 |
| Equity capital to assets | 11.5266% | 2,302 |
| Core capital (leverage) ratio | 11.7212% | 1,816 |
| Tier 1 risk-based capital ratio | 18.5840% | 1,697 |
| Total risk-based capital ratio | 19.6796% | 1,699 |
| Memoranda: | ||
| Average total assets | $215,294,670 | 2,807 |
| Average earning assets | $203,063,330 | 2,776 |
| Average equity | $24,376,330 | 2,742 |
| Average total loans | $148,346,000 | 2,696 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3910% | 1,669 |
| Cost of funding earning assets | 0.6335% | 1,168 |
| Net interest margin | 3.7575% | 2,273 |
| Noninterest income to average assets | 0.4429% | 3,352 |
| Noninterest expense to average assets | 2.4585% | 3,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5280% | 769 |
| Return on assets (ROA) | 1.5280% | 794 |
| Pretax return on assets | 1.5280% | 1,446 |
| Return on Equity (ROE) | 13.6186% | 877 |
| Retained earnings to average equity (ytd only) | 4.1636% | 3,374 |
| Net charge-offs to loans | 0.2730% | 671 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 8.1287% | 2,084 |
| Efficiency ratio | 61.6713% | 4,199 |
| Assets per employee ($millions) | 4.3071% | 3,495 |
| Cash dividends to net income (ytd only)* | 69.4275% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 4,290 |
| Loan loss allowance to noncurrent loans | 49.4943% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 1.5138% | 1,051 |
| Noncurrent loans to loans | 2.0205% | 879 |
| Net loans and leases to total assets | 67.4827% | 2,747 |
| Net loans and leases to deposits | 78.5124% | 2,916 |
| Net loans and leases to core deposits | 84.6101% | 2,845 |
| Total domestic deposits to total assets | 85.9516% | 2,690 |
| Equity capital to assets | 11.3259% | 2,325 |
| Core capital (leverage) ratio | 11.7231% | 1,813 |
| Tier 1 risk-based capital ratio | 18.5252% | 1,737 |
| Total risk-based capital ratio | 19.6053% | 1,736 |
| Memoranda: | ||
| Average total assets | $214,927,000 | 2,836 |
| Average earning assets | $202,689,000 | 2,805 |
| Average equity | $24,114,000 | 2,781 |
| Average total loans | $147,959,000 | 2,719 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5187% | 1,488 |
| Cost of funding earning assets | 0.6699% | 953 |
| Net interest margin | 3.8488% | 2,143 |
| Noninterest income to average assets | 0.5140% | 3,137 |
| Noninterest expense to average assets | 2.6013% | 3,673 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5334% | 777 |
| Return on assets (ROA) | 1.5334% | 802 |
| Pretax return on assets | 1.5334% | 1,480 |
| Return on Equity (ROE) | 13.1813% | 955 |
| Retained earnings to average equity (ytd only) | 2.5003% | 4,090 |
| Net charge-offs to loans | 0.0658% | 2,756 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 32.5800% | 1,357 |
| Efficiency ratio | 62.9141% | 4,121 |
| Assets per employee ($millions) | 4.3775% | 3,316 |
| Cash dividends to net income (ytd only)* | 81.0313% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 3,992 |
| Loan loss allowance to noncurrent loans | 69.9955% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 1.1515% | 1,597 |
| Noncurrent loans to loans | 1.5041% | 1,332 |
| Net loans and leases to total assets | 68.7895% | 2,651 |
| Net loans and leases to deposits | 79.9133% | 2,900 |
| Net loans and leases to core deposits | 86.4677% | 2,815 |
| Total domestic deposits to total assets | 86.0801% | 2,545 |
| Equity capital to assets | 11.1129% | 2,524 |
| Core capital (leverage) ratio | 11.5622% | 1,884 |
| Tier 1 risk-based capital ratio | 18.2184% | 1,796 |
| Total risk-based capital ratio | 19.3659% | 1,784 |
| Memoranda: | ||
| Average total assets | $212,471,600 | 2,832 |
| Average earning assets | $199,881,400 | 2,792 |
| Average equity | $24,716,800 | 2,746 |
| Average total loans | $151,992,600 | 2,619 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 1,497 |
| Cost of funding earning assets | 0.6716% | 943 |
| Net interest margin | 3.8404% | 2,192 |
| Noninterest income to average assets | 0.4548% | 3,524 |
| Noninterest expense to average assets | 2.5438% | 3,849 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5222% | 842 |
| Return on assets (ROA) | 1.5222% | 891 |
| Pretax return on assets | 1.5222% | 1,644 |
| Return on Equity (ROE) | 12.9391% | 1,077 |
| Retained earnings to average equity (ytd only) | 3.3150% | 3,915 |
| Net charge-offs to loans | 0.0463% | 2,720 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 45.6636% | 1,140 |
| Efficiency ratio | 62.5619% | 4,130 |
| Assets per employee ($millions) | 4.2131% | 3,567 |
| Cash dividends to net income (ytd only)* | 74.3801% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 4,018 |
| Loan loss allowance to noncurrent loans | 48.9104% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 1.5810% | 1,109 |
| Noncurrent loans to loans | 2.1896% | 857 |
| Net loans and leases to total assets | 69.4759% | 2,574 |
| Net loans and leases to deposits | 81.5943% | 2,784 |
| Net loans and leases to core deposits | 88.8418% | 2,680 |
| Total domestic deposits to total assets | 85.1480% | 2,736 |
| Equity capital to assets | 11.7059% | 2,349 |
| Core capital (leverage) ratio | 11.6628% | 1,916 |
| Tier 1 risk-based capital ratio | 18.0935% | 1,887 |
| Total risk-based capital ratio | 19.2664% | 1,881 |
| Memoranda: | ||
| Average total assets | $211,965,000 | 2,847 |
| Average earning assets | $199,312,500 | 2,812 |
| Average equity | $24,936,750 | 2,746 |
| Average total loans | $152,710,250 | 2,614 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5486% | 1,389 |
| Cost of funding earning assets | 0.6682% | 945 |
| Net interest margin | 3.8804% | 2,047 |
| Noninterest income to average assets | 0.4474% | 3,543 |
| Noninterest expense to average assets | 2.5119% | 4,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5848% | 750 |
| Return on assets (ROA) | 1.5848% | 791 |
| Pretax return on assets | 1.5848% | 1,412 |
| Return on Equity (ROE) | 13.4486% | 939 |
| Retained earnings to average equity (ytd only) | 4.7617% | 2,888 |
| Net charge-offs to loans | 0.0496% | 2,493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 1,089 |
| Efficiency ratio | 61.3142% | 4,458 |
| Assets per employee ($millions) | 4.2427% | 3,478 |
| Cash dividends to net income (ytd only)* | 64.5933% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 4,129 |
| Loan loss allowance to noncurrent loans | 49.0679% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 1.6310% | 1,122 |
| Noncurrent loans to loans | 2.1736% | 873 |
| Net loans and leases to total assets | 71.3640% | 2,271 |
| Net loans and leases to deposits | 84.0232% | 2,466 |
| Net loans and leases to core deposits | 91.3489% | 2,400 |
| Total domestic deposits to total assets | 84.9337% | 2,909 |
| Equity capital to assets | 11.9014% | 2,192 |
| Core capital (leverage) ratio | 11.7133% | 1,837 |
| Tier 1 risk-based capital ratio | 18.3572% | 1,837 |
| Total risk-based capital ratio | 19.5603% | 1,810 |
| Memoranda: | ||
| Average total assets | $210,998,000 | 2,876 |
| Average earning assets | $198,434,330 | 2,835 |
| Average equity | $24,865,000 | 2,756 |
| Average total loans | $153,315,000 | 2,610 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5480% | 1,380 |
| Cost of funding earning assets | 0.6861% | 863 |
| Net interest margin | 3.8618% | 2,060 |
| Noninterest income to average assets | 0.4258% | 3,643 |
| Noninterest expense to average assets | 2.4882% | 4,104 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5644% | 756 |
| Return on assets (ROA) | 1.5644% | 790 |
| Pretax return on assets | 1.5644% | 1,391 |
| Return on Equity (ROE) | 13.3420% | 957 |
| Retained earnings to average equity (ytd only) | 4.5878% | 3,184 |
| Net charge-offs to loans | 0.1043% | 1,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 20.5750% | 1,458 |
| Efficiency ratio | 61.3977% | 4,542 |
| Assets per employee ($millions) | 4.2165% | 3,555 |
| Cash dividends to net income (ytd only)* | 65.6136% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 4,322 |
| Loan loss allowance to noncurrent loans | 60.4453% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 1.3419% | 1,585 |
| Noncurrent loans to loans | 1.7415% | 1,280 |
| Net loans and leases to total assets | 72.6315% | 1,932 |
| Net loans and leases to deposits | 85.4258% | 2,131 |
| Net loans and leases to core deposits | 92.7839% | 2,114 |
| Total domestic deposits to total assets | 85.0230% | 3,128 |
| Equity capital to assets | 11.7990% | 2,157 |
| Core capital (leverage) ratio | 11.6400% | 1,876 |
| Tier 1 risk-based capital ratio | 17.9119% | 2,008 |
| Total risk-based capital ratio | 19.0984% | 1,989 |
| Memoranda: | ||
| Average total assets | $210,429,500 | 2,890 |
| Average earning assets | $197,626,500 | 2,846 |
| Average equity | $24,674,000 | 2,774 |
| Average total loans | $153,462,500 | 2,599 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6992% | 1,108 |
| Cost of funding earning assets | 0.6555% | 1,040 |
| Net interest margin | 4.0437% | 1,578 |
| Noninterest income to average assets | 0.4566% | 3,617 |
| Noninterest expense to average assets | 2.6160% | 3,862 |
| Loan and lease loss provision to assets | 0.0448% | 3,431 |
| Net operating income to assets | 1.6072% | 696 |
| Return on assets (ROA) | 1.6152% | 704 |
| Pretax return on assets | 1.6152% | 1,209 |
| Return on Equity (ROE) | 13.3037% | 994 |
| Retained earnings to average equity (ytd only) | 2.4770% | 4,307 |
| Net charge-offs to loans | 0.0128% | 4,045 |
| Credit loss provision to net charge-offs | 473.6842% | 658 |
| Earnings coverage of net charge-offs (x) | 174.6316% | 374 |
| Efficiency ratio | 61.2926% | 4,715 |
| Assets per employee ($millions) | 4.2864% | 3,415 |
| Cash dividends to net income (ytd only)* | 81.3810% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 4,070 |
| Loan loss allowance to noncurrent loans | 71.2031% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.1517% | 1,891 |
| Noncurrent loans to loans | 1.5404% | 1,498 |
| Net loans and leases to total assets | 71.6558% | 2,119 |
| Net loans and leases to deposits | 84.2592% | 2,329 |
| Net loans and leases to core deposits | 91.3119% | 2,292 |
| Total domestic deposits to total assets | 85.0421% | 3,070 |
| Equity capital to assets | 11.6518% | 2,231 |
| Core capital (leverage) ratio | 11.8464% | 1,729 |
| Tier 1 risk-based capital ratio | 17.1985% | 2,218 |
| Total risk-based capital ratio | 18.3793% | 2,193 |
| Memoranda: | ||
| Average total assets | $200,844,200 | 2,941 |
| Average earning assets | $189,307,600 | 2,900 |
| Average equity | $24,384,200 | 2,749 |
| Average total loans | $148,948,000 | 2,608 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7183% | 1,064 |
| Cost of funding earning assets | 0.6582% | 1,050 |
| Net interest margin | 4.0601% | 1,530 |
| Noninterest income to average assets | 0.4486% | 3,725 |
| Noninterest expense to average assets | 2.6129% | 3,827 |
| Loan and lease loss provision to assets | 0.0604% | 2,974 |
| Net operating income to assets | 1.6110% | 755 |
| Return on assets (ROA) | 1.6217% | 763 |
| Pretax return on assets | 1.6217% | 1,325 |
| Return on Equity (ROE) | 13.2170% | 1,079 |
| Retained earnings to average equity (ytd only) | 4.0226% | 3,604 |
| Net charge-offs to loans | -0.0261% | 5,294 |
| Credit loss provision to net charge-offs | -310.3448% | 5,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9875% | 4,734 |
| Assets per employee ($millions) | 4.1255% | 3,668 |
| Cash dividends to net income (ytd only)* | 69.5651% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 3,937 |
| Loan loss allowance to noncurrent loans | 73.0949% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.1862% | 1,991 |
| Noncurrent loans to loans | 1.5711% | 1,590 |
| Net loans and leases to total assets | 74.6362% | 1,620 |
| Net loans and leases to deposits | 86.4597% | 2,094 |
| Net loans and leases to core deposits | 93.8280% | 2,094 |
| Total domestic deposits to total assets | 86.3248% | 2,369 |
| Equity capital to assets | 12.5077% | 1,742 |
| Core capital (leverage) ratio | 12.1495% | 1,592 |
| Tier 1 risk-based capital ratio | 18.0810% | 2,001 |
| Total risk-based capital ratio | 19.3313% | 1,968 |
| Memoranda: | ||
| Average total assets | $198,546,250 | 2,985 |
| Average earning assets | $187,577,500 | 2,942 |
| Average equity | $24,362,000 | 2,768 |
| Average total loans | $148,142,000 | 2,628 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6872% | 1,099 |
| Cost of funding earning assets | 0.6606% | 1,046 |
| Net interest margin | 4.0266% | 1,563 |
| Noninterest income to average assets | 0.4398% | 3,775 |
| Noninterest expense to average assets | 2.5855% | 3,954 |
| Loan and lease loss provision to assets | 0.0906% | 2,307 |
| Net operating income to assets | 1.5731% | 791 |
| Return on assets (ROA) | 1.5892% | 789 |
| Pretax return on assets | 1.5892% | 1,359 |
| Return on Equity (ROE) | 13.0352% | 1,107 |
| Retained earnings to average equity (ytd only) | 5.1101% | 2,789 |
| Net charge-offs to loans | -0.0203% | 5,181 |
| Credit loss provision to net charge-offs | -600.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8479% | 4,855 |
| Assets per employee ($millions) | 4.0440% | 3,789 |
| Cash dividends to net income (ytd only)* | 60.7980% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 4,108 |
| Loan loss allowance to noncurrent loans | 76.7117% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.1436% | 2,219 |
| Noncurrent loans to loans | 1.4936% | 1,780 |
| Net loans and leases to total assets | 74.1509% | 1,635 |
| Net loans and leases to deposits | 85.7377% | 2,080 |
| Net loans and leases to core deposits | 91.8262% | 2,174 |
| Total domestic deposits to total assets | 86.4858% | 2,445 |
| Equity capital to assets | 12.3767% | 1,747 |
| Core capital (leverage) ratio | 12.3018% | 1,484 |
| Tier 1 risk-based capital ratio | 17.7489% | 2,142 |
| Total risk-based capital ratio | 18.9916% | 2,093 |
| Memoranda: | ||
| Average total assets | $198,721,000 | 3,005 |
| Average earning assets | $187,999,670 | 2,950 |
| Average equity | $24,226,670 | 2,783 |
| Average total loans | $147,685,000 | 2,653 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6902% | 1,050 |
| Cost of funding earning assets | 0.6722% | 988 |
| Net interest margin | 4.0180% | 1,497 |
| Noninterest income to average assets | 0.4342% | 3,738 |
| Noninterest expense to average assets | 2.7276% | 3,494 |
| Loan and lease loss provision to assets | 0.0905% | 2,181 |
| Net operating income to assets | 1.4130% | 1,009 |
| Return on assets (ROA) | 1.4231% | 1,044 |
| Pretax return on assets | 1.4231% | 1,799 |
| Return on Equity (ROE) | 11.7620% | 1,409 |
| Retained earnings to average equity (ytd only) | 3.7878% | 3,735 |
| Net charge-offs to loans | -0.0082% | 4,638 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4656% | 4,406 |
| Assets per employee ($millions) | 4.0556% | 3,853 |
| Cash dividends to net income (ytd only)* | 67.7966% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 4,477 |
| Loan loss allowance to noncurrent loans | 524.2038% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 5,208 |
| Noncurrent loans to loans | 0.2112% | 5,025 |
| Net loans and leases to total assets | 73.9843% | 1,502 |
| Net loans and leases to deposits | 86.2609% | 1,794 |
| Net loans and leases to core deposits | 91.4635% | 1,988 |
| Total domestic deposits to total assets | 85.7681% | 3,059 |
| Equity capital to assets | 12.2563% | 1,852 |
| Core capital (leverage) ratio | 12.1372% | 1,557 |
| Tier 1 risk-based capital ratio | 17.8061% | 2,198 |
| Total risk-based capital ratio | 19.0307% | 2,169 |
| Memoranda: | ||
| Average total assets | $199,004,500 | 3,022 |
| Average earning assets | $188,051,500 | 2,965 |
| Average equity | $24,077,500 | 2,819 |
| Average total loans | $147,209,500 | 2,659 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7070% | 1,287 |
| Cost of funding earning assets | 0.7684% | 768 |
| Net interest margin | 3.9386% | 2,091 |
| Noninterest income to average assets | 0.3954% | 4,217 |
| Noninterest expense to average assets | 2.5096% | 4,514 |
| Loan and lease loss provision to assets | 0.1104% | 2,324 |
| Net operating income to assets | 1.5016% | 877 |
| Return on assets (ROA) | 1.5092% | 898 |
| Pretax return on assets | 1.5092% | 1,507 |
| Return on Equity (ROE) | 12.7771% | 1,186 |
| Retained earnings to average equity (ytd only) | 2.5826% | 4,403 |
| Net charge-offs to loans | 0.0253% | 4,323 |
| Credit loss provision to net charge-offs | 611.1111% | 433 |
| Earnings coverage of net charge-offs (x) | 89.2500% | 575 |
| Efficiency ratio | 60.8886% | 5,093 |
| Assets per employee ($millions) | 4.1518% | 3,631 |
| Cash dividends to net income (ytd only)* | 79.7872% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 4,556 |
| Loan loss allowance to noncurrent loans | 373.3645% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 5,149 |
| Noncurrent loans to loans | 0.2937% | 4,798 |
| Net loans and leases to total assets | 72.3339% | 1,854 |
| Net loans and leases to deposits | 85.2854% | 2,065 |
| Net loans and leases to core deposits | 90.0888% | 2,270 |
| Total domestic deposits to total assets | 84.8139% | 3,365 |
| Equity capital to assets | 11.9421% | 2,052 |
| Core capital (leverage) ratio | 11.9556% | 1,654 |
| Tier 1 risk-based capital ratio | 18.0563% | 2,117 |
| Total risk-based capital ratio | 19.2736% | 2,094 |
| Memoranda: | ||
| Average total assets | $199,316,600 | 3,012 |
| Average earning assets | $188,571,000 | 2,927 |
| Average equity | $23,542,200 | 2,793 |
| Average total loans | $142,398,600 | 2,679 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6978% | 1,309 |
| Cost of funding earning assets | 0.7851% | 744 |
| Net interest margin | 3.9127% | 2,188 |
| Noninterest income to average assets | 0.4308% | 4,012 |
| Noninterest expense to average assets | 2.4970% | 4,535 |
| Loan and lease loss provision to assets | 0.1204% | 2,066 |
| Net operating income to assets | 1.5171% | 906 |
| Return on assets (ROA) | 1.5171% | 943 |
| Pretax return on assets | 1.5171% | 1,591 |
| Return on Equity (ROE) | 12.8798% | 1,245 |
| Retained earnings to average equity (ytd only) | 4.7021% | 3,283 |
| Net charge-offs to loans | 0.0301% | 3,886 |
| Credit loss provision to net charge-offs | 562.5000% | 520 |
| Earnings coverage of net charge-offs (x) | 76.4921% | 727 |
| Efficiency ratio | 60.3948% | 5,128 |
| Assets per employee ($millions) | 4.2435% | 3,393 |
| Cash dividends to net income (ytd only)* | 63.4921% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 4,816 |
| Loan loss allowance to noncurrent loans | 448.8506% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2943% | 5,088 |
| Noncurrent loans to loans | 0.2418% | 5,173 |
| Net loans and leases to total assets | 71.3771% | 1,955 |
| Net loans and leases to deposits | 82.8757% | 2,310 |
| Net loans and leases to core deposits | 87.3598% | 2,496 |
| Total domestic deposits to total assets | 86.1255% | 2,789 |
| Equity capital to assets | 12.0630% | 2,004 |
| Core capital (leverage) ratio | 12.0170% | 1,694 |
| Tier 1 risk-based capital ratio | 18.3606% | 2,102 |
| Total risk-based capital ratio | 19.5593% | 2,076 |
| Memoranda: | ||
| Average total assets | $199,324,000 | 3,030 |
| Average earning assets | $188,680,750 | 2,950 |
| Average equity | $23,478,000 | 2,809 |
| Average total loans | $141,560,750 | 2,701 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6470% | 1,409 |
| Cost of funding earning assets | 0.7992% | 706 |
| Net interest margin | 3.8478% | 2,384 |
| Noninterest income to average assets | 0.4215% | 4,083 |
| Noninterest expense to average assets | 2.4749% | 4,658 |
| Loan and lease loss provision to assets | 0.1204% | 2,045 |
| Net operating income to assets | 1.4693% | 928 |
| Return on assets (ROA) | 1.4693% | 967 |
| Pretax return on assets | 1.4693% | 1,639 |
| Return on Equity (ROE) | 12.5750% | 1,290 |
| Retained earnings to average equity (ytd only) | 5.3598% | 2,727 |
| Net charge-offs to loans | 0.0668% | 3,037 |
| Credit loss provision to net charge-offs | 255.3191% | 976 |
| Earnings coverage of net charge-offs (x) | 33.7021% | 1,178 |
| Efficiency ratio | 60.8889% | 5,157 |
| Assets per employee ($millions) | 4.2419% | 3,385 |
| Cash dividends to net income (ytd only)* | 57.3770% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 5,142 |
| Loan loss allowance to noncurrent loans | 390.2887% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2227% | 5,438 |
| Noncurrent loans to loans | 0.2680% | 5,214 |
| Net loans and leases to total assets | 70.5663% | 1,990 |
| Net loans and leases to deposits | 81.8453% | 2,270 |
| Net loans and leases to core deposits | 86.8777% | 2,430 |
| Total domestic deposits to total assets | 86.2191% | 2,920 |
| Equity capital to assets | 11.9963% | 1,982 |
| Core capital (leverage) ratio | 11.8512% | 1,752 |
| Tier 1 risk-based capital ratio | 18.2474% | 2,148 |
| Total risk-based capital ratio | 19.3913% | 2,160 |
| Memoranda: | ||
| Average total assets | $199,283,670 | 3,043 |
| Average earning assets | $188,681,000 | 2,969 |
| Average equity | $23,284,330 | 2,822 |
| Average total loans | $140,774,330 | 2,716 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5785% | 1,558 |
| Cost of funding earning assets | 0.8164% | 685 |
| Net interest margin | 3.7620% | 2,628 |
| Noninterest income to average assets | 0.4075% | 4,117 |
| Noninterest expense to average assets | 2.5336% | 4,506 |
| Loan and lease loss provision to assets | 0.1205% | 1,988 |
| Net operating income to assets | 1.3150% | 1,175 |
| Return on assets (ROA) | 1.3150% | 1,219 |
| Pretax return on assets | 1.3150% | 2,045 |
| Return on Equity (ROE) | 11.4072% | 1,567 |
| Retained earnings to average equity (ytd only) | 4.0927% | 3,662 |
| Net charge-offs to loans | 0.0742% | 2,404 |
| Credit loss provision to net charge-offs | 230.7692% | 943 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 1,106 |
| Efficiency ratio | 63.8341% | 4,882 |
| Assets per employee ($millions) | 4.3708% | 3,200 |
| Cash dividends to net income (ytd only)* | 64.1221% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 5,354 |
| Loan loss allowance to noncurrent loans | 126.2424% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.5705% | 4,433 |
| Noncurrent loans to loans | 0.8237% | 3,826 |
| Net loans and leases to total assets | 68.5383% | 2,138 |
| Net loans and leases to deposits | 78.7030% | 2,460 |
| Net loans and leases to core deposits | 83.0192% | 2,641 |
| Total domestic deposits to total assets | 87.0848% | 2,753 |
| Equity capital to assets | 11.5345% | 2,216 |
| Core capital (leverage) ratio | 11.7738% | 1,782 |
| Tier 1 risk-based capital ratio | 18.0900% | 2,259 |
| Total risk-based capital ratio | 19.2127% | 2,293 |
| Memoranda: | ||
| Average total assets | $199,240,500 | 3,061 |
| Average earning assets | $188,622,500 | 2,988 |
| Average equity | $22,968,000 | 2,853 |
| Average total loans | $140,074,000 | 2,738 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8096% | 1,292 |
| Cost of funding earning assets | 0.9363% | 619 |
| Net interest margin | 3.8733% | 2,388 |
| Noninterest income to average assets | 0.4324% | 4,212 |
| Noninterest expense to average assets | 2.5252% | 4,688 |
| Loan and lease loss provision to assets | 0.0703% | 3,718 |
| Net operating income to assets | 1.4997% | 827 |
| Return on assets (ROA) | 1.5102% | 842 |
| Pretax return on assets | 1.5102% | 1,415 |
| Return on Equity (ROE) | 13.0781% | 1,154 |
| Retained earnings to average equity (ytd only) | 4.7276% | 2,792 |
| Net charge-offs to loans | 0.0803% | 4,095 |
| Credit loss provision to net charge-offs | 126.1261% | 1,876 |
| Earnings coverage of net charge-offs (x) | 28.1622% | 1,246 |
| Efficiency ratio | 61.6630% | 5,265 |
| Assets per employee ($millions) | 4.2918% | 3,286 |
| Cash dividends to net income (ytd only)* | 63.8510% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 5,543 |
| Loan loss allowance to noncurrent loans | 539.6947% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 5,924 |
| Noncurrent loans to loans | 0.1859% | 5,642 |
| Net loans and leases to total assets | 70.6525% | 1,909 |
| Net loans and leases to deposits | 81.3660% | 2,270 |
| Net loans and leases to core deposits | 86.0052% | 2,443 |
| Total domestic deposits to total assets | 86.8329% | 2,813 |
| Equity capital to assets | 11.5209% | 2,148 |
| Core capital (leverage) ratio | 11.6344% | 1,867 |
| Tier 1 risk-based capital ratio | 17.8111% | 2,307 |
| Total risk-based capital ratio | 18.9015% | 2,334 |
| Memoranda: | ||
| Average total assets | $199,110,600 | 3,043 |
| Average earning assets | $188,290,400 | 2,973 |
| Average equity | $22,992,600 | 2,823 |
| Average total loans | $138,181,400 | 2,734 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8108% | 1,324 |
| Cost of funding earning assets | 0.9574% | 613 |
| Net interest margin | 3.8535% | 2,449 |
| Noninterest income to average assets | 0.4343% | 4,271 |
| Noninterest expense to average assets | 2.5332% | 4,608 |
| Loan and lease loss provision to assets | 0.0601% | 3,846 |
| Net operating income to assets | 1.4828% | 925 |
| Return on assets (ROA) | 1.4968% | 949 |
| Pretax return on assets | 1.4968% | 1,621 |
| Return on Equity (ROE) | 12.9545% | 1,248 |
| Retained earnings to average equity (ytd only) | 6.7086% | 2,027 |
| Net charge-offs to loans | 0.0271% | 4,579 |
| Credit loss provision to net charge-offs | 321.4286% | 796 |
| Earnings coverage of net charge-offs (x) | 82.4696% | 574 |
| Efficiency ratio | 62.1475% | 5,114 |
| Assets per employee ($millions) | 4.0438% | 3,746 |
| Cash dividends to net income (ytd only)* | 48.2142% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 5,641 |
| Loan loss allowance to noncurrent loans | 345.3461% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 5,735 |
| Noncurrent loans to loans | 0.2949% | 5,493 |
| Net loans and leases to total assets | 70.9835% | 1,784 |
| Net loans and leases to deposits | 82.3310% | 2,097 |
| Net loans and leases to core deposits | 88.2444% | 2,159 |
| Total domestic deposits to total assets | 86.2172% | 3,126 |
| Equity capital to assets | 11.6308% | 2,187 |
| Core capital (leverage) ratio | 11.6143% | 1,936 |
| Tier 1 risk-based capital ratio | 17.6979% | 2,442 |
| Total risk-based capital ratio | 18.8032% | 2,461 |
| Memoranda: | ||
| Average total assets | $199,532,250 | 3,062 |
| Average earning assets | $188,570,000 | 2,999 |
| Average equity | $23,054,500 | 2,846 |
| Average total loans | $137,502,000 | 2,752 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7526% | 1,438 |
| Cost of funding earning assets | 0.9764% | 611 |
| Net interest margin | 3.7762% | 2,650 |
| Noninterest income to average assets | 0.4350% | 4,281 |
| Noninterest expense to average assets | 2.4931% | 4,762 |
| Loan and lease loss provision to assets | 0.0600% | 3,808 |
| Net operating income to assets | 1.4480% | 988 |
| Return on assets (ROA) | 1.4490% | 1,065 |
| Pretax return on assets | 1.4490% | 1,768 |
| Return on Equity (ROE) | 12.5687% | 1,343 |
| Retained earnings to average equity (ytd only) | 6.3234% | 2,247 |
| Net charge-offs to loans | 0.0044% | 4,820 |
| Credit loss provision to net charge-offs | 2,000.0000% | 156 |
| Earnings coverage of net charge-offs (x) | 502.6667% | 89 |
| Efficiency ratio | 62.3094% | 5,127 |
| Assets per employee ($millions) | 3.9873% | 3,832 |
| Cash dividends to net income (ytd only)* | 49.6894% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0322% | 5,700 |
| Loan loss allowance to noncurrent loans | 222.1880% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.3481% | 5,442 |
| Noncurrent loans to loans | 0.4646% | 5,097 |
| Net loans and leases to total assets | 69.3500% | 2,007 |
| Net loans and leases to deposits | 80.0163% | 2,315 |
| Net loans and leases to core deposits | 85.7975% | 2,353 |
| Total domestic deposits to total assets | 86.6698% | 3,019 |
| Equity capital to assets | 11.2727% | 2,497 |
| Core capital (leverage) ratio | 11.3223% | 2,079 |
| Tier 1 risk-based capital ratio | 17.4957% | 2,515 |
| Total risk-based capital ratio | 18.6053% | 2,545 |
| Memoranda: | ||
| Average total assets | $199,994,330 | 3,071 |
| Average earning assets | $188,865,000 | 3,009 |
| Average equity | $23,057,330 | 2,860 |
| Average total loans | $135,970,000 | 2,775 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7354% | 1,444 |
| Cost of funding earning assets | 0.9975% | 620 |
| Net interest margin | 3.7379% | 2,706 |
| Noninterest income to average assets | 0.4134% | 4,364 |
| Noninterest expense to average assets | 2.5780% | 4,482 |
| Loan and lease loss provision to assets | 0.0599% | 3,642 |
| Net operating income to assets | 1.3000% | 1,275 |
| Return on assets (ROA) | 1.3000% | 1,376 |
| Pretax return on assets | 1.3000% | 2,236 |
| Return on Equity (ROE) | 11.1525% | 1,661 |
| Retained earnings to average equity (ytd only) | 4.9852% | 3,245 |
| Net charge-offs to loans | 0.0149% | 3,849 |
| Credit loss provision to net charge-offs | 600.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 136.2000% | 286 |
| Efficiency ratio | 65.4665% | 4,752 |
| Assets per employee ($millions) | 4.1087% | 3,728 |
| Cash dividends to net income (ytd only)* | 55.2995% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 5,813 |
| Loan loss allowance to noncurrent loans | 167.8571% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 5,352 |
| Noncurrent loans to loans | 0.6225% | 4,887 |
| Net loans and leases to total assets | 66.3251% | 2,309 |
| Net loans and leases to deposits | 77.0348% | 2,481 |
| Net loans and leases to core deposits | 82.6831% | 2,494 |
| Total domestic deposits to total assets | 86.0976% | 3,475 |
| Equity capital to assets | 11.6478% | 2,293 |
| Core capital (leverage) ratio | 11.1130% | 2,167 |
| Tier 1 risk-based capital ratio | 17.3445% | 2,628 |
| Total risk-based capital ratio | 18.4412% | 2,650 |
| Memoranda: | ||
| Average total assets | $200,308,000 | 3,092 |
| Average earning assets | $188,876,000 | 3,028 |
| Average equity | $23,349,000 | 2,872 |
| Average total loans | $134,103,500 | 2,815 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9638% | 1,650 |
| Cost of funding earning assets | 1.2089% | 553 |
| Net interest margin | 3.7549% | 3,419 |
| Noninterest income to average assets | 0.2647% | 5,565 |
| Noninterest expense to average assets | 2.5282% | 4,997 |
| Loan and lease loss provision to assets | 0.2248% | 2,883 |
| Net operating income to assets | 1.0284% | 2,216 |
| Return on assets (ROA) | 1.0284% | 2,425 |
| Pretax return on assets | 1.0284% | 3,445 |
| Return on Equity (ROE) | 8.8965% | 2,688 |
| Retained earnings to average equity (ytd only) | 3.1399% | 4,026 |
| Net charge-offs to loans | 0.3630% | 2,817 |
| Credit loss provision to net charge-offs | 92.9167% | 3,351 |
| Earnings coverage of net charge-offs (x) | 5.1792% | 3,119 |
| Efficiency ratio | 66.8578% | 4,352 |
| Assets per employee ($millions) | 4.0672% | 3,818 |
| Cash dividends to net income (ytd only)* | 64.7059% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 5,815 |
| Loan loss allowance to noncurrent loans | 148.7648% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 5,306 |
| Noncurrent loans to loans | 0.6986% | 4,795 |
| Net loans and leases to total assets | 66.1761% | 2,502 |
| Net loans and leases to deposits | 77.0975% | 2,642 |
| Net loans and leases to core deposits | 82.3368% | 2,739 |
| Total domestic deposits to total assets | 85.8343% | 3,437 |
| Equity capital to assets | 11.6654% | 2,295 |
| Core capital (leverage) ratio | 11.0402% | 2,223 |
| Tier 1 risk-based capital ratio | 17.3171% | 2,518 |
| Total risk-based capital ratio | 18.4068% | 2,556 |
| Memoranda: | ||
| Average total assets | $198,363,200 | 3,067 |
| Average earning assets | $185,786,200 | 3,016 |
| Average equity | $22,930,400 | 2,856 |
| Average total loans | $132,246,200 | 2,839 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9387% | 1,868 |
| Cost of funding earning assets | 1.2455% | 566 |
| Net interest margin | 3.6932% | 3,829 |
| Noninterest income to average assets | 0.2947% | 5,418 |
| Noninterest expense to average assets | 2.6063% | 4,721 |
| Loan and lease loss provision to assets | 0.2799% | 2,327 |
| Net operating income to assets | 0.8647% | 3,159 |
| Return on assets (ROA) | 0.8647% | 3,398 |
| Pretax return on assets | 0.8647% | 4,241 |
| Return on Equity (ROE) | 7.4977% | 3,529 |
| Retained earnings to average equity (ytd only) | 2.2464% | 5,214 |
| Net charge-offs to loans | 0.4414% | 2,340 |
| Credit loss provision to net charge-offs | 95.1945% | 3,141 |
| Earnings coverage of net charge-offs (x) | 3.8925% | 3,473 |
| Efficiency ratio | 69.4833% | 3,791 |
| Assets per employee ($millions) | 3.8671% | 4,157 |
| Cash dividends to net income (ytd only)* | 70.0389% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 5,921 |
| Loan loss allowance to noncurrent loans | 74.0466% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 1.2255% | 3,841 |
| Noncurrent loans to loans | 1.4102% | 3,684 |
| Net loans and leases to total assets | 67.1759% | 2,427 |
| Net loans and leases to deposits | 78.6315% | 2,576 |
| Net loans and leases to core deposits | 84.3136% | 2,661 |
| Total domestic deposits to total assets | 85.4313% | 3,551 |
| Equity capital to assets | 11.7247% | 2,509 |
| Core capital (leverage) ratio | 10.9526% | 2,442 |
| Tier 1 risk-based capital ratio | 16.8710% | 2,798 |
| Total risk-based capital ratio | 17.9591% | 2,854 |
| Memoranda: | ||
| Average total assets | $198,131,250 | 3,100 |
| Average earning assets | $185,415,750 | 3,047 |
| Average equity | $22,851,000 | 2,894 |
| Average total loans | $131,990,750 | 2,874 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9370% | 1,972 |
| Cost of funding earning assets | 1.2839% | 563 |
| Net interest margin | 3.6531% | 4,021 |
| Noninterest income to average assets | 0.3951% | 4,688 |
| Noninterest expense to average assets | 2.5298% | 5,043 |
| Loan and lease loss provision to assets | 0.3205% | 2,061 |
| Net operating income to assets | 0.9575% | 2,626 |
| Return on assets (ROA) | 0.9575% | 2,874 |
| Pretax return on assets | 0.9575% | 3,861 |
| Return on Equity (ROE) | 8.3480% | 3,090 |
| Retained earnings to average equity (ytd only) | 3.0756% | 4,595 |
| Net charge-offs to loans | 0.4872% | 2,130 |
| Credit loss provision to net charge-offs | 99.3750% | 2,796 |
| Earnings coverage of net charge-offs (x) | 3.9625% | 3,220 |
| Efficiency ratio | 66.4373% | 4,449 |
| Assets per employee ($millions) | 3.8840% | 4,111 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 5,899 |
| Loan loss allowance to noncurrent loans | 80.1358% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.2545% | 3,912 |
| Noncurrent loans to loans | 1.3329% | 3,922 |
| Net loans and leases to total assets | 66.2086% | 2,630 |
| Net loans and leases to deposits | 77.5276% | 2,746 |
| Net loans and leases to core deposits | 82.7124% | 2,869 |
| Total domestic deposits to total assets | 85.4001% | 3,663 |
| Equity capital to assets | 11.6370% | 2,460 |
| Core capital (leverage) ratio | 10.9402% | 2,357 |
| Tier 1 risk-based capital ratio | 16.9387% | 2,694 |
| Total risk-based capital ratio | 18.0471% | 2,716 |
| Memoranda: | ||
| Average total assets | $198,433,670 | 3,099 |
| Average earning assets | $185,375,000 | 3,052 |
| Average equity | $22,760,000 | 2,881 |
| Average total loans | $131,359,330 | 2,906 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8905% | 2,287 |
| Cost of funding earning assets | 1.3373% | 541 |
| Net interest margin | 3.5532% | 4,476 |
| Noninterest income to average assets | 0.4350% | 4,414 |
| Noninterest expense to average assets | 2.6786% | 4,508 |
| Loan and lease loss provision to assets | 0.1168% | 3,886 |
| Net operating income to assets | 0.9627% | 2,628 |
| Return on assets (ROA) | 0.9627% | 2,825 |
| Pretax return on assets | 0.9627% | 3,819 |
| Return on Equity (ROE) | 8.4548% | 3,081 |
| Retained earnings to average equity (ytd only) | 3.1484% | 4,678 |
| Net charge-offs to loans | 0.2203% | 2,819 |
| Credit loss provision to net charge-offs | 80.5556% | 2,716 |
| Earnings coverage of net charge-offs (x) | 7.4444% | 2,073 |
| Efficiency ratio | 71.2755% | 3,576 |
| Assets per employee ($millions) | 3.8101% | 4,403 |
| Cash dividends to net income (ytd only)* | 62.7615% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 5,953 |
| Loan loss allowance to noncurrent loans | 70.5882% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.4526% | 3,689 |
| Noncurrent loans to loans | 1.5350% | 3,813 |
| Net loans and leases to total assets | 64.6927% | 2,717 |
| Net loans and leases to deposits | 75.7613% | 2,832 |
| Net loans and leases to core deposits | 80.8545% | 2,963 |
| Total domestic deposits to total assets | 85.3901% | 3,841 |
| Equity capital to assets | 11.4301% | 2,501 |
| Core capital (leverage) ratio | 10.7708% | 2,471 |
| Tier 1 risk-based capital ratio | 17.0192% | 2,673 |
| Total risk-based capital ratio | 18.1323% | 2,678 |
| Memoranda: | ||
| Average total assets | $198,609,000 | 3,124 |
| Average earning assets | $185,748,500 | 3,072 |
| Average equity | $22,614,500 | 2,897 |
| Average total loans | $130,757,000 | 2,928 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1941% | 2,082 |
| Cost of funding earning assets | 1.5253% | 647 |
| Net interest margin | 3.6687% | 4,438 |
| Noninterest income to average assets | 0.3962% | 4,646 |
| Noninterest expense to average assets | 2.6259% | 4,996 |
| Loan and lease loss provision to assets | 0.1908% | 4,274 |
| Net operating income to assets | 1.0218% | 2,121 |
| Return on assets (ROA) | 1.0223% | 2,262 |
| Pretax return on assets | 1.0223% | 3,155 |
| Return on Equity (ROE) | 9.2132% | 2,360 |
| Retained earnings to average equity (ytd only) | 3.4521% | 3,768 |
| Net charge-offs to loans | 0.3609% | 3,601 |
| Credit loss provision to net charge-offs | 78.6611% | 4,515 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,922 |
| Efficiency ratio | 68.4113% | 4,274 |
| Assets per employee ($millions) | 3.9038% | 4,065 |
| Cash dividends to net income (ytd only)* | 62.5310% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 5,903 |
| Loan loss allowance to noncurrent loans | 124.8021% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.9769% | 4,655 |
| Noncurrent loans to loans | 0.8618% | 4,965 |
| Net loans and leases to total assets | 65.5566% | 2,865 |
| Net loans and leases to deposits | 76.9636% | 3,012 |
| Net loans and leases to core deposits | 82.7640% | 3,067 |
| Total domestic deposits to total assets | 85.1787% | 3,755 |
| Equity capital to assets | 11.3430% | 2,649 |
| Core capital (leverage) ratio | 10.6928% | 2,531 |
| Tier 1 risk-based capital ratio | 16.7567% | 2,716 |
| Total risk-based capital ratio | 17.8736% | 2,732 |
| Memoranda: | ||
| Average total assets | $197,112,000 | 3,086 |
| Average earning assets | $184,941,200 | 3,029 |
| Average equity | $21,870,800 | 2,907 |
| Average total loans | $132,456,600 | 2,944 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2210% | 2,127 |
| Cost of funding earning assets | 1.5476% | 722 |
| Net interest margin | 3.6734% | 4,453 |
| Noninterest income to average assets | 0.3757% | 4,863 |
| Noninterest expense to average assets | 2.6955% | 4,744 |
| Loan and lease loss provision to assets | 0.2177% | 3,839 |
| Net operating income to assets | 0.9134% | 2,689 |
| Return on assets (ROA) | 0.9134% | 2,822 |
| Pretax return on assets | 0.9134% | 3,708 |
| Return on Equity (ROE) | 8.2791% | 2,923 |
| Retained earnings to average equity (ytd only) | 3.8537% | 3,984 |
| Net charge-offs to loans | 0.5068% | 2,732 |
| Credit loss provision to net charge-offs | 63.6905% | 4,681 |
| Earnings coverage of net charge-offs (x) | 3.3095% | 3,485 |
| Efficiency ratio | 70.4413% | 3,870 |
| Assets per employee ($millions) | 3.8576% | 4,177 |
| Cash dividends to net income (ytd only)* | 53.4522% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 6,217 |
| Loan loss allowance to noncurrent loans | 75.8934% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.2230% | 4,352 |
| Noncurrent loans to loans | 1.3317% | 4,307 |
| Net loans and leases to total assets | 66.6133% | 2,763 |
| Net loans and leases to deposits | 78.6515% | 2,865 |
| Net loans and leases to core deposits | 84.4893% | 2,985 |
| Total domestic deposits to total assets | 84.6943% | 3,917 |
| Equity capital to assets | 11.4503% | 2,729 |
| Core capital (leverage) ratio | 10.6875% | 2,680 |
| Tier 1 risk-based capital ratio | 16.7490% | 2,738 |
| Total risk-based capital ratio | 17.8080% | 2,797 |
| Memoranda: | ||
| Average total assets | $196,617,000 | 3,112 |
| Average earning assets | $184,710,750 | 3,042 |
| Average equity | $21,692,750 | 2,914 |
| Average total loans | $132,586,500 | 2,963 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2392% | 2,099 |
| Cost of funding earning assets | 1.5675% | 798 |
| Net interest margin | 3.6717% | 4,400 |
| Noninterest income to average assets | 0.3836% | 4,813 |
| Noninterest expense to average assets | 2.6839% | 4,884 |
| Loan and lease loss provision to assets | 0.2035% | 3,890 |
| Net operating income to assets | 0.9492% | 2,439 |
| Return on assets (ROA) | 0.9492% | 2,533 |
| Pretax return on assets | 0.9492% | 3,433 |
| Return on Equity (ROE) | 8.7137% | 2,632 |
| Retained earnings to average equity (ytd only) | 4.2307% | 3,506 |
| Net charge-offs to loans | 0.4252% | 2,863 |
| Credit loss provision to net charge-offs | 70.9220% | 4,040 |
| Earnings coverage of net charge-offs (x) | 4.0177% | 2,990 |
| Efficiency ratio | 69.9549% | 4,130 |
| Assets per employee ($millions) | 3.8826% | 4,032 |
| Cash dividends to net income (ytd only)* | 51.4469% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 5,993 |
| Loan loss allowance to noncurrent loans | 59.5613% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.3534% | 4,200 |
| Noncurrent loans to loans | 1.8330% | 3,706 |
| Net loans and leases to total assets | 65.8373% | 3,065 |
| Net loans and leases to deposits | 77.6156% | 3,196 |
| Net loans and leases to core deposits | 83.4749% | 3,292 |
| Total domestic deposits to total assets | 84.8248% | 3,954 |
| Equity capital to assets | 11.1588% | 2,805 |
| Core capital (leverage) ratio | 10.6160% | 2,604 |
| Tier 1 risk-based capital ratio | 16.7680% | 2,620 |
| Total risk-based capital ratio | 17.9177% | 2,624 |
| Memoranda: | ||
| Average total assets | $196,577,000 | 3,131 |
| Average earning assets | $184,876,000 | 3,059 |
| Average equity | $21,414,670 | 2,942 |
| Average total loans | $132,651,670 | 2,990 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2444% | 2,075 |
| Cost of funding earning assets | 1.5946% | 836 |
| Net interest margin | 3.6498% | 4,328 |
| Noninterest income to average assets | 0.3431% | 5,174 |
| Noninterest expense to average assets | 2.6611% | 4,992 |
| Loan and lease loss provision to assets | 0.2144% | 3,507 |
| Net operating income to assets | 0.8986% | 2,568 |
| Return on assets (ROA) | 0.8986% | 2,630 |
| Pretax return on assets | 0.8986% | 3,501 |
| Return on Equity (ROE) | 8.3515% | 2,757 |
| Retained earnings to average equity (ytd only) | 3.7961% | 3,895 |
| Net charge-offs to loans | 0.3727% | 2,575 |
| Credit loss provision to net charge-offs | 84.6774% | 3,047 |
| Earnings coverage of net charge-offs (x) | 4.3952% | 2,487 |
| Efficiency ratio | 70.5087% | 4,162 |
| Assets per employee ($millions) | 3.8383% | 4,218 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 5,871 |
| Loan loss allowance to noncurrent loans | 45.8486% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 1.6776% | 3,735 |
| Noncurrent loans to loans | 2.4971% | 2,989 |
| Net loans and leases to total assets | 66.2522% | 2,945 |
| Net loans and leases to deposits | 78.1710% | 3,032 |
| Net loans and leases to core deposits | 83.7003% | 3,208 |
| Total domestic deposits to total assets | 84.7529% | 4,149 |
| Equity capital to assets | 10.8488% | 2,829 |
| Core capital (leverage) ratio | 10.5921% | 2,514 |
| Tier 1 risk-based capital ratio | 16.5893% | 2,626 |
| Total risk-based capital ratio | 17.7911% | 2,619 |
| Memoranda: | ||
| Average total assets | $195,858,500 | 3,169 |
| Average earning assets | $184,119,500 | 3,087 |
| Average equity | $21,074,000 | 2,976 |
| Average total loans | $133,074,500 | 3,020 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5011% | 2,275 |
| Cost of funding earning assets | 2.0376% | 524 |
| Net interest margin | 3.4635% | 5,386 |
| Noninterest income to average assets | 0.4476% | 4,533 |
| Noninterest expense to average assets | 2.5983% | 5,421 |
| Loan and lease loss provision to assets | 0.3622% | 3,946 |
| Net operating income to assets | 0.7344% | 3,073 |
| Return on assets (ROA) | 0.7344% | 3,201 |
| Pretax return on assets | 0.7344% | 3,851 |
| Return on Equity (ROE) | 6.9791% | 3,134 |
| Retained earnings to average equity (ytd only) | 2.9911% | 3,752 |
| Net charge-offs to loans | 0.4464% | 3,827 |
| Credit loss provision to net charge-offs | 117.3139% | 3,649 |
| Earnings coverage of net charge-offs (x) | 3.5518% | 3,306 |
| Efficiency ratio | 70.3218% | 4,109 |
| Assets per employee ($millions) | 3.7685% | 4,326 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 5,839 |
| Loan loss allowance to noncurrent loans | 39.8480% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 2.0341% | 3,308 |
| Noncurrent loans to loans | 2.8284% | 2,691 |
| Net loans and leases to total assets | 68.0918% | 2,968 |
| Net loans and leases to deposits | 80.4512% | 3,082 |
| Net loans and leases to core deposits | 86.2662% | 3,285 |
| Total domestic deposits to total assets | 84.6373% | 4,036 |
| Equity capital to assets | 10.6709% | 2,994 |
| Core capital (leverage) ratio | 10.4359% | 2,624 |
| Tier 1 risk-based capital ratio | 16.1613% | 2,665 |
| Total risk-based capital ratio | 17.3584% | 2,657 |
| Memoranda: | ||
| Average total assets | $200,167,200 | 3,097 |
| Average earning assets | $187,672,400 | 3,037 |
| Average equity | $21,062,800 | 2,998 |
| Average total loans | $138,443,800 | 2,979 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5524% | 2,243 |
| Cost of funding earning assets | 2.1233% | 496 |
| Net interest margin | 3.4292% | 5,572 |
| Noninterest income to average assets | 0.4367% | 4,660 |
| Noninterest expense to average assets | 2.6186% | 5,248 |
| Loan and lease loss provision to assets | 0.3744% | 3,644 |
| Net operating income to assets | 0.6573% | 3,614 |
| Return on assets (ROA) | 0.6573% | 3,778 |
| Pretax return on assets | 0.6573% | 4,396 |
| Return on Equity (ROE) | 6.2682% | 3,692 |
| Retained earnings to average equity (ytd only) | 4.7517% | 3,158 |
| Net charge-offs to loans | 0.3991% | 3,690 |
| Credit loss provision to net charge-offs | 135.4916% | 2,966 |
| Earnings coverage of net charge-offs (x) | 3.7338% | 3,316 |
| Efficiency ratio | 71.7372% | 3,756 |
| Assets per employee ($millions) | 3.5571% | 4,834 |
| Cash dividends to net income (ytd only)* | 24.1935% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 5,769 |
| Loan loss allowance to noncurrent loans | 45.1315% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 1.8406% | 3,695 |
| Noncurrent loans to loans | 2.5193% | 3,099 |
| Net loans and leases to total assets | 69.4212% | 2,874 |
| Net loans and leases to deposits | 82.9012% | 2,932 |
| Net loans and leases to core deposits | 88.7838% | 3,265 |
| Total domestic deposits to total assets | 83.7397% | 4,254 |
| Equity capital to assets | 11.1786% | 2,792 |
| Core capital (leverage) ratio | 10.3750% | 2,833 |
| Tier 1 risk-based capital ratio | 16.1537% | 2,695 |
| Total risk-based capital ratio | 17.3752% | 2,655 |
| Memoranda: | ||
| Average total assets | $201,218,500 | 3,124 |
| Average earning assets | $188,574,000 | 3,060 |
| Average equity | $21,100,750 | 3,035 |
| Average total loans | $139,316,000 | 2,994 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5939% | 2,158 |
| Cost of funding earning assets | 2.2079% | 455 |
| Net interest margin | 3.3860% | 5,693 |
| Noninterest income to average assets | 0.4127% | 4,807 |
| Noninterest expense to average assets | 2.6975% | 4,922 |
| Loan and lease loss provision to assets | 0.3152% | 3,858 |
| Net operating income to assets | 0.5702% | 3,997 |
| Return on assets (ROA) | 0.5702% | 4,144 |
| Pretax return on assets | 0.5702% | 4,671 |
| Return on Equity (ROE) | 5.5555% | 4,018 |
| Retained earnings to average equity (ytd only) | 4.4041% | 3,273 |
| Net charge-offs to loans | 0.1972% | 4,425 |
| Credit loss provision to net charge-offs | 231.8841% | 1,664 |
| Earnings coverage of net charge-offs (x) | 6.5145% | 2,448 |
| Efficiency ratio | 75.2886% | 3,210 |
| Assets per employee ($millions) | 3.6452% | 4,599 |
| Cash dividends to net income (ytd only)* | 20.7254% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 5,706 |
| Loan loss allowance to noncurrent loans | 62.2075% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 1.3043% | 4,542 |
| Noncurrent loans to loans | 1.8433% | 3,943 |
| Net loans and leases to total assets | 68.5852% | 3,225 |
| Net loans and leases to deposits | 81.4037% | 3,361 |
| Net loans and leases to core deposits | 87.2547% | 3,655 |
| Total domestic deposits to total assets | 84.2532% | 3,987 |
| Equity capital to assets | 10.5639% | 3,332 |
| Core capital (leverage) ratio | 9.9557% | 3,214 |
| Tier 1 risk-based capital ratio | 15.7110% | 2,801 |
| Total risk-based capital ratio | 16.9416% | 2,773 |
| Memoranda: | ||
| Average total assets | $203,077,330 | 3,122 |
| Average earning assets | $190,136,670 | 3,060 |
| Average equity | $20,844,330 | 3,057 |
| Average total loans | $139,961,670 | 3,015 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5566% | 2,339 |
| Cost of funding earning assets | 2.2537% | 494 |
| Net interest margin | 3.3030% | 5,962 |
| Noninterest income to average assets | 0.4443% | 4,522 |
| Noninterest expense to average assets | 2.6814% | 4,994 |
| Loan and lease loss provision to assets | 0.5676% | 2,222 |
| Net operating income to assets | 0.2818% | 5,364 |
| Return on assets (ROA) | 0.2818% | 5,498 |
| Pretax return on assets | 0.2818% | 5,655 |
| Return on Equity (ROE) | 2.7857% | 5,438 |
| Retained earnings to average equity (ytd only) | 2.7857% | 4,465 |
| Net charge-offs to loans | 0.2849% | 3,270 |
| Credit loss provision to net charge-offs | 290.0000% | 1,359 |
| Earnings coverage of net charge-offs (x) | 4.3400% | 2,653 |
| Efficiency ratio | 75.9424% | 3,227 |
| Assets per employee ($millions) | 3.7186% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 5,802 |
| Loan loss allowance to noncurrent loans | 54.4098% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 1.5421% | 4,189 |
| Noncurrent loans to loans | 2.1036% | 3,652 |
| Net loans and leases to total assets | 67.7345% | 3,454 |
| Net loans and leases to deposits | 80.2328% | 3,617 |
| Net loans and leases to core deposits | 85.9563% | 3,904 |
| Total domestic deposits to total assets | 84.4224% | 3,933 |
| Equity capital to assets | 10.1371% | 3,689 |
| Core capital (leverage) ratio | 9.8155% | 3,383 |
| Tier 1 risk-based capital ratio | 15.3248% | 2,956 |
| Total risk-based capital ratio | 16.5509% | 2,918 |
| Memoranda: | ||
| Average total assets | $204,373,500 | 3,162 |
| Average earning assets | $190,979,000 | 3,107 |
| Average equity | $20,677,000 | 3,104 |
| Average total loans | $140,393,500 | 3,070 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0914% | 1,539 |
| Cost of funding earning assets | 2.7336% | 539 |
| Net interest margin | 3.3578% | 5,532 |
| Noninterest income to average assets | 0.4941% | 4,458 |
| Noninterest expense to average assets | 2.5654% | 5,907 |
| Loan and lease loss provision to assets | 0.6042% | 3,377 |
| Net operating income to assets | 0.4880% | 3,780 |
| Return on assets (ROA) | 0.4880% | 3,877 |
| Pretax return on assets | 0.4850% | 4,226 |
| Return on Equity (ROE) | 4.7267% | 3,789 |
| Retained earnings to average equity (ytd only) | 0.0294% | 4,895 |
| Net charge-offs to loans | 0.9101% | 2,570 |
| Credit loss provision to net charge-offs | 93.8776% | 5,857 |
| Earnings coverage of net charge-offs (x) | 1.6923% | 4,472 |
| Efficiency ratio | 70.1963% | 4,583 |
| Assets per employee ($millions) | 3.8532% | 4,136 |
| Cash dividends to net income (ytd only)* | 99.3789% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 6,349 |
| Loan loss allowance to noncurrent loans | 50.0354% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 1.4626% | 4,209 |
| Noncurrent loans to loans | 2.0078% | 3,641 |
| Net loans and leases to total assets | 68.1787% | 3,663 |
| Net loans and leases to deposits | 81.0020% | 3,800 |
| Net loans and leases to core deposits | 135.2620% | 990 |
| Total domestic deposits to total assets | 84.1692% | 3,957 |
| Equity capital to assets | 10.0973% | 3,620 |
| Core capital (leverage) ratio | 9.7875% | 3,339 |
| Tier 1 risk-based capital ratio | 14.4836% | 3,219 |
| Total risk-based capital ratio | 15.5125% | 3,292 |
| Memoranda: | ||
| Average total assets | $197,945,000 | 3,207 |
| Average earning assets | $186,310,400 | 3,139 |
| Average equity | $20,437,000 | 3,143 |
| Average total loans | $139,981,600 | 3,085 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1685% | 1,446 |
| Cost of funding earning assets | 2.8109% | 581 |
| Net interest margin | 3.3577% | 5,418 |
| Noninterest income to average assets | 0.4902% | 4,578 |
| Noninterest expense to average assets | 2.5732% | 5,815 |
| Loan and lease loss provision to assets | 0.6504% | 2,803 |
| Net operating income to assets | 0.4393% | 4,235 |
| Return on assets (ROA) | 0.4393% | 4,341 |
| Pretax return on assets | 0.4352% | 4,703 |
| Return on Equity (ROE) | 4.2305% | 4,284 |
| Retained earnings to average equity (ytd only) | -0.4773% | 5,343 |
| Net charge-offs to loans | 0.6361% | 2,777 |
| Credit loss provision to net charge-offs | 143.6282% | 3,407 |
| Earnings coverage of net charge-offs (x) | 2.3973% | 4,033 |
| Efficiency ratio | 70.3284% | 4,526 |
| Assets per employee ($millions) | 3.9306% | 3,870 |
| Cash dividends to net income (ytd only)* | 111.2827% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 4,746 |
| Loan loss allowance to noncurrent loans | 50.2254% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 1.8223% | 3,618 |
| Noncurrent loans to loans | 2.5120% | 2,997 |
| Net loans and leases to total assets | 69.6099% | 3,598 |
| Net loans and leases to deposits | 83.6485% | 3,703 |
| Net loans and leases to core deposits | 140.2863% | 906 |
| Total domestic deposits to total assets | 83.2171% | 4,106 |
| Equity capital to assets | 10.3492% | 3,680 |
| Core capital (leverage) ratio | 9.9608% | 3,325 |
| Tier 1 risk-based capital ratio | 14.5845% | 3,229 |
| Total risk-based capital ratio | 15.8350% | 3,176 |
| Memoranda: | ||
| Average total assets | $196,375,750 | 3,242 |
| Average earning assets | $185,323,250 | 3,174 |
| Average equity | $20,391,000 | 3,182 |
| Average total loans | $139,814,750 | 3,120 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2777% | 1,266 |
| Cost of funding earning assets | 2.8892% | 627 |
| Net interest margin | 3.3885% | 5,219 |
| Noninterest income to average assets | 0.4748% | 4,673 |
| Noninterest expense to average assets | 2.5680% | 5,868 |
| Loan and lease loss provision to assets | 0.9825% | 1,716 |
| Net operating income to assets | 0.1190% | 5,507 |
| Return on assets (ROA) | 0.1190% | 5,608 |
| Pretax return on assets | 0.1190% | 5,631 |
| Return on Equity (ROE) | 1.1444% | 5,593 |
| Retained earnings to average equity (ytd only) | -3.5910% | 6,066 |
| Net charge-offs to loans | 0.7020% | 2,299 |
| Credit loss provision to net charge-offs | 195.9100% | 2,331 |
| Earnings coverage of net charge-offs (x) | 2.1963% | 3,970 |
| Efficiency ratio | 69.9832% | 4,787 |
| Assets per employee ($millions) | 3.8436% | 3,994 |
| Cash dividends to net income (ytd only)* | 413.7931% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 3,702 |
| Loan loss allowance to noncurrent loans | 68.6384% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 1.6003% | 3,817 |
| Noncurrent loans to loans | 2.0443% | 3,454 |
| Net loans and leases to total assets | 70.2946% | 3,629 |
| Net loans and leases to deposits | 84.7995% | 3,754 |
| Net loans and leases to core deposits | 136.8929% | 1,168 |
| Total domestic deposits to total assets | 82.8950% | 4,293 |
| Equity capital to assets | 10.2446% | 3,676 |
| Core capital (leverage) ratio | 9.9149% | 3,386 |
| Tier 1 risk-based capital ratio | 14.3150% | 3,348 |
| Total risk-based capital ratio | 15.5688% | 3,280 |
| Memoranda: | ||
| Average total assets | $195,014,330 | 3,281 |
| Average earning assets | $183,857,000 | 3,215 |
| Average equity | $20,272,670 | 3,199 |
| Average total loans | $139,312,000 | 3,155 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2981% | 1,306 |
| Cost of funding earning assets | 2.9495% | 683 |
| Net interest margin | 3.3487% | 5,326 |
| Noninterest income to average assets | 0.4360% | 4,905 |
| Noninterest expense to average assets | 2.4040% | 6,184 |
| Loan and lease loss provision to assets | 1.9701% | 615 |
| Net operating income to assets | -0.7815% | 7,114 |
| Return on assets (ROA) | -0.7815% | 7,149 |
| Pretax return on assets | -0.7815% | 7,024 |
| Return on Equity (ROE) | -7.4627% | 7,189 |
| Retained earnings to average equity (ytd only) | -12.1760% | 7,277 |
| Net charge-offs to loans | 1.2222% | 1,142 |
| Credit loss provision to net charge-offs | 225.4118% | 2,022 |
| Earnings coverage of net charge-offs (x) | 1.3600% | 4,054 |
| Efficiency ratio | 66.9147% | 5,159 |
| Assets per employee ($millions) | 3.8701% | 3,937 |
| Cash dividends to net income (ytd only)* | -63.1579% | 8,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 3,226 |
| Loan loss allowance to noncurrent loans | 92.2551% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 1.2768% | 4,124 |
| Noncurrent loans to loans | 1.5725% | 3,922 |
| Net loans and leases to total assets | 69.6947% | 3,748 |
| Net loans and leases to deposits | 84.1948% | 3,953 |
| Net loans and leases to core deposits | 133.5858% | 1,438 |
| Total domestic deposits to total assets | 82.7780% | 4,254 |
| Equity capital to assets | 10.1598% | 3,813 |
| Core capital (leverage) ratio | 9.8824% | 3,542 |
| Tier 1 risk-based capital ratio | 14.1178% | 3,513 |
| Total risk-based capital ratio | 15.3707% | 3,443 |
| Memoranda: | ||
| Average total assets | $194,509,000 | 3,298 |
| Average earning assets | $183,356,000 | 3,243 |
| Average equity | $20,368,000 | 3,210 |
| Average total loans | $139,090,000 | 3,185 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0350% | 1,043 |
| Cost of funding earning assets | 3.5918% | 398 |
| Net interest margin | 3.4432% | 5,494 |
| Noninterest income to average assets | 0.4837% | 4,768 |
| Noninterest expense to average assets | 2.4813% | 6,085 |
| Loan and lease loss provision to assets | 0.1303% | 5,701 |
| Net operating income to assets | 1.0836% | 2,211 |
| Return on assets (ROA) | 1.0893% | 2,104 |
| Pretax return on assets | 1.1143% | 2,977 |
| Return on Equity (ROE) | 10.3575% | 2,137 |
| Retained earnings to average equity (ytd only) | 2.0319% | 3,968 |
| Net charge-offs to loans | 0.2521% | 3,757 |
| Credit loss provision to net charge-offs | 73.9645% | 6,012 |
| Earnings coverage of net charge-offs (x) | 7.0325% | 3,205 |
| Efficiency ratio | 66.6994% | 4,971 |
| Assets per employee ($millions) | 3.9111% | 3,703 |
| Cash dividends to net income (ytd only)* | 80.3828% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 5,442 |
| Loan loss allowance to noncurrent loans | 69.7196% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 1.2252% | 3,775 |
| Noncurrent loans to loans | 1.5441% | 3,480 |
| Net loans and leases to total assets | 71.5408% | 3,682 |
| Net loans and leases to deposits | 88.1482% | 3,780 |
| Net loans and leases to core deposits | 136.2514% | 1,474 |
| Total domestic deposits to total assets | 81.1598% | 4,577 |
| Equity capital to assets | 10.7925% | 3,210 |
| Core capital (leverage) ratio | 10.3248% | 3,151 |
| Tier 1 risk-based capital ratio | 14.8473% | 3,127 |
| Total risk-based capital ratio | 15.9606% | 3,116 |
| Memoranda: | ||
| Average total assets | $191,872,200 | 3,243 |
| Average earning assets | $180,356,600 | 3,183 |
| Average equity | $20,178,600 | 3,204 |
| Average total loans | $134,067,600 | 3,194 |