Home > Bank of the Bluegrass and Trust Company > Performance and Condition Ratios
Bank of the Bluegrass and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7785% | 2,518 |
| Cost of funding earning assets | 1.4491% | 2,078 |
| Net interest margin | 3.3294% | 2,559 |
| Noninterest income to average assets | 1.3500% | 445 |
| Noninterest expense to average assets | 3.0648% | 1,021 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.0438% | 2,084 |
| Return on assets (ROA) | 1.0438% | 2,053 |
| Pretax return on assets | 1.3971% | 1,641 |
| Return on Equity (ROE) | 12.9800% | 1,736 |
| Retained earnings to average equity (ytd only) | 2.5414% | 3,429 |
| Net charge-offs to loans | -0.0543% | 4,385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.8814% | 2,125 |
| Assets per employee ($millions) | 5.5813% | 3,178 |
| Cash dividends to net income (ytd only)* | 80.4237% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8478% | 493 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 76.4100% | 1,066 |
| Net loans and leases to deposits | 92.2237% | 1,072 |
| Net loans and leases to core deposits | 96.9628% | 1,598 |
| Total domestic deposits to total assets | 82.8500% | 2,927 |
| Equity capital to assets | 8.1604% | 3,304 |
| Core capital (leverage) ratio | 10.6941% | 2,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $339,139,800 | 2,236 |
| Average earning assets | $322,610,000 | 2,196 |
| Average equity | $27,268,600 | 2,401 |
| Average total loans | $261,536,600 | 1,951 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 2,417 |
| Cost of funding earning assets | 1.3282% | 2,070 |
| Net interest margin | 3.3988% | 2,461 |
| Noninterest income to average assets | 1.3300% | 451 |
| Noninterest expense to average assets | 3.0133% | 1,054 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.1229% | 1,983 |
| Return on assets (ROA) | 1.1229% | 1,962 |
| Pretax return on assets | 1.5038% | 1,547 |
| Return on Equity (ROE) | 14.0200% | 1,650 |
| Retained earnings to average equity (ytd only) | 0.0644% | 4,100 |
| Net charge-offs to loans | -0.0758% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.0118% | 2,274 |
| Assets per employee ($millions) | 5.5538% | 3,142 |
| Cash dividends to net income (ytd only)* | 99.5406% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9026% | 474 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 74.9100% | 1,247 |
| Net loans and leases to deposits | 86.6081% | 1,499 |
| Net loans and leases to core deposits | 91.3620% | 1,841 |
| Total domestic deposits to total assets | 86.5000% | 2,038 |
| Equity capital to assets | 7.3585% | 3,439 |
| Core capital (leverage) ratio | 10.6289% | 2,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $336,018,500 | 2,244 |
| Average earning assets | $319,829,000 | 2,209 |
| Average equity | $26,912,250 | 2,401 |
| Average total loans | $258,486,750 | 1,969 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6392% | 2,333 |
| Cost of funding earning assets | 1.1936% | 2,015 |
| Net interest margin | 3.4456% | 2,403 |
| Noninterest income to average assets | 1.3600% | 367 |
| Noninterest expense to average assets | 2.9630% | 1,098 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.2333% | 1,739 |
| Return on assets (ROA) | 1.2333% | 1,732 |
| Pretax return on assets | 1.6522% | 1,316 |
| Return on Equity (ROE) | 14.9800% | 1,474 |
| Retained earnings to average equity (ytd only) | 5.8461% | 2,682 |
| Net charge-offs to loans | -0.1175% | 4,533 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.7032% | 2,522 |
| Assets per employee ($millions) | 5.4476% | 3,195 |
| Cash dividends to net income (ytd only)* | 60.9732% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8947% | 501 |
| Loan loss allowance to noncurrent loans | 4,456.7568% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 3,454 |
| Noncurrent loans to loans | 0.0425% | 3,420 |
| Net loans and leases to total assets | 75.8400% | 1,071 |
| Net loans and leases to deposits | 87.1707% | 1,414 |
| Net loans and leases to core deposits | 91.2656% | 1,720 |
| Total domestic deposits to total assets | 87.0000% | 1,924 |
| Equity capital to assets | 8.3325% | 2,999 |
| Core capital (leverage) ratio | 10.9721% | 1,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $333,245,333 | 2,265 |
| Average earning assets | $318,203,667 | 2,228 |
| Average equity | $27,437,000 | 2,392 |
| Average total loans | $256,995,667 | 1,971 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5673% | 2,153 |
| Cost of funding earning assets | 1.0361% | 1,927 |
| Net interest margin | 3.5312% | 2,283 |
| Noninterest income to average assets | 1.4000% | 354 |
| Noninterest expense to average assets | 2.9499% | 1,148 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3535% | 1,534 |
| Return on assets (ROA) | 1.3535% | 1,505 |
| Pretax return on assets | 1.8151% | 1,041 |
| Return on Equity (ROE) | 16.5400% | 1,253 |
| Retained earnings to average equity (ytd only) | -1.5507% | 4,179 |
| Net charge-offs to loans | -0.2463% | 4,613 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.9072% | 2,713 |
| Assets per employee ($millions) | 5.8226% | 2,916 |
| Cash dividends to net income (ytd only)* | 109.3750% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9026% | 528 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 76.0100% | 971 |
| Net loans and leases to deposits | 87.8662% | 1,221 |
| Net loans and leases to core deposits | 92.8489% | 1,460 |
| Total domestic deposits to total assets | 86.5100% | 2,440 |
| Equity capital to assets | 8.3007% | 3,038 |
| Core capital (leverage) ratio | 10.8479% | 1,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $330,993,500 | 2,310 |
| Average earning assets | $315,809,000 | 2,275 |
| Average equity | $27,084,000 | 2,432 |
| Average total loans | $254,947,500 | 2,002 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0431% | 1,608 |
| Cost of funding earning assets | 0.3464% | 2,508 |
| Net interest margin | 3.6967% | 1,387 |
| Noninterest income to average assets | 1.3200% | 401 |
| Noninterest expense to average assets | 2.9530% | 1,040 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.3644% | 1,232 |
| Return on assets (ROA) | 1.3644% | 1,188 |
| Pretax return on assets | 1.8294% | 684 |
| Return on Equity (ROE) | 15.2500% | 1,197 |
| Retained earnings to average equity (ytd only) | 6.4773% | 2,463 |
| Net charge-offs to loans | 0.0664% | 983 |
| Credit loss provision to net charge-offs | 154.8387% | 1,281 |
| Earnings coverage of net charge-offs (x) | 39.6452% | 1,512 |
| Efficiency ratio | 60.8024% | 2,941 |
| Assets per employee ($millions) | 5.7912% | 2,955 |
| Cash dividends to net income (ytd only)* | 57.5386% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8740% | 563 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 75.1300% | 1,116 |
| Net loans and leases to deposits | 87.3785% | 1,212 |
| Net loans and leases to core deposits | 92.2633% | 1,371 |
| Total domestic deposits to total assets | 85.9800% | 2,730 |
| Equity capital to assets | 8.0639% | 3,026 |
| Core capital (leverage) ratio | 11.2547% | 1,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $322,787,600 | 2,336 |
| Average earning assets | $308,895,000 | 2,284 |
| Average equity | $28,870,200 | 2,384 |
| Average total loans | $233,335,800 | 2,036 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9191% | 1,439 |
| Cost of funding earning assets | 0.2892% | 2,286 |
| Net interest margin | 3.6299% | 1,316 |
| Noninterest income to average assets | 1.3500% | 405 |
| Noninterest expense to average assets | 2.9149% | 1,026 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.3933% | 1,113 |
| Return on assets (ROA) | 1.3933% | 1,083 |
| Pretax return on assets | 1.8677% | 634 |
| Return on Equity (ROE) | 15.1900% | 1,132 |
| Retained earnings to average equity (ytd only) | 3.8233% | 3,505 |
| Net charge-offs to loans | 0.0834% | 717 |
| Credit loss provision to net charge-offs | 83.9161% | 1,406 |
| Earnings coverage of net charge-offs (x) | 32.2797% | 1,491 |
| Efficiency ratio | 60.3198% | 3,077 |
| Assets per employee ($millions) | 5.1378% | 3,556 |
| Cash dividends to net income (ytd only)* | 74.8360% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9267% | 572 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 73.9500% | 1,100 |
| Net loans and leases to deposits | 81.6319% | 1,471 |
| Net loans and leases to core deposits | 83.5263% | 1,689 |
| Total domestic deposits to total assets | 90.5900% | 1,409 |
| Equity capital to assets | 7.8219% | 3,011 |
| Core capital (leverage) ratio | 11.0253% | 1,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $320,959,750 | 2,362 |
| Average earning assets | $307,545,250 | 2,311 |
| Average equity | $29,433,000 | 2,395 |
| Average total loans | $228,488,500 | 2,061 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8257% | 1,261 |
| Cost of funding earning assets | 0.2934% | 1,778 |
| Net interest margin | 3.5323% | 1,224 |
| Noninterest income to average assets | 1.4103% | 364 |
| Noninterest expense to average assets | 2.8978% | 995 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4184% | 866 |
| Return on assets (ROA) | 1.4184% | 845 |
| Pretax return on assets | 1.9020% | 466 |
| Return on Equity (ROE) | 14.7518% | 949 |
| Retained earnings to average equity (ytd only) | 8.7011% | 1,374 |
| Net charge-offs to loans | 0.1229% | 507 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 22.1739% | 1,510 |
| Efficiency ratio | 60.3730% | 3,250 |
| Assets per employee ($millions) | 5.0499% | 3,633 |
| Cash dividends to net income (ytd only)* | 41.0167% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9249% | 631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 72.2749% | 1,078 |
| Net loans and leases to deposits | 80.2591% | 1,370 |
| Net loans and leases to core deposits | 82.0595% | 1,590 |
| Total domestic deposits to total assets | 90.0520% | 1,691 |
| Equity capital to assets | 8.8689% | 2,479 |
| Core capital (leverage) ratio | 10.9169% | 1,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $321,766,000 | 2,378 |
| Average earning assets | $308,753,667 | 2,331 |
| Average equity | $30,938,667 | 2,377 |
| Average total loans | $224,583,667 | 2,082 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 958 |
| Cost of funding earning assets | 0.3217% | 1,448 |
| Net interest margin | 3.5577% | 968 |
| Noninterest income to average assets | 1.3870% | 393 |
| Noninterest expense to average assets | 2.7888% | 1,180 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5020% | 634 |
| Return on assets (ROA) | 1.5020% | 623 |
| Pretax return on assets | 2.0162% | 338 |
| Return on Equity (ROE) | 15.0464% | 645 |
| Retained earnings to average equity (ytd only) | 3.6037% | 3,071 |
| Net charge-offs to loans | 0.2422% | 257 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 12.2632% | 1,420 |
| Efficiency ratio | 58.0396% | 3,676 |
| Assets per employee ($millions) | 5.3410% | 3,458 |
| Cash dividends to net income (ytd only)* | 76.0494% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0118% | 602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 67.5427% | 1,258 |
| Net loans and leases to deposits | 75.5084% | 1,488 |
| Net loans and leases to core deposits | 77.1716% | 1,686 |
| Total domestic deposits to total assets | 89.4506% | 1,841 |
| Equity capital to assets | 9.2934% | 2,447 |
| Core capital (leverage) ratio | 10.6285% | 1,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,576,500 | 2,375 |
| Average earning assets | $310,876,500 | 2,333 |
| Average equity | $32,300,000 | 2,370 |
| Average total loans | $219,649,500 | 2,098 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7519% | 1,979 |
| Cost of funding earning assets | 0.4071% | 1,500 |
| Net interest margin | 3.3448% | 2,191 |
| Noninterest income to average assets | 1.5246% | 488 |
| Noninterest expense to average assets | 3.1960% | 735 |
| Loan and lease loss provision to assets | 0.0484% | 2,089 |
| Net operating income to assets | 1.1468% | 2,125 |
| Return on assets (ROA) | 1.1993% | 1,977 |
| Pretax return on assets | 1.5685% | 1,511 |
| Return on Equity (ROE) | 10.7214% | 2,270 |
| Retained earnings to average equity (ytd only) | 2.7179% | 3,754 |
| Net charge-offs to loans | -0.0810% | 4,512 |
| Credit loss provision to net charge-offs | -87.7193% | 3,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3353% | 2,073 |
| Assets per employee ($millions) | 5.3559% | 3,411 |
| Cash dividends to net income (ytd only)* | 74.6502% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1660% | 472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 65.3723% | 1,546 |
| Net loans and leases to deposits | 74.0640% | 1,720 |
| Net loans and leases to core deposits | 76.4307% | 1,882 |
| Total domestic deposits to total assets | 88.2646% | 1,897 |
| Equity capital to assets | 10.6805% | 2,023 |
| Core capital (leverage) ratio | 10.7519% | 1,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,854,400 | 2,394 |
| Average earning assets | $298,463,600 | 2,340 |
| Average equity | $34,659,600 | 2,306 |
| Average total loans | $211,107,200 | 2,169 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7902% | 2,032 |
| Cost of funding earning assets | 0.4194% | 1,553 |
| Net interest margin | 3.3708% | 2,235 |
| Noninterest income to average assets | 1.5519% | 518 |
| Noninterest expense to average assets | 3.1020% | 818 |
| Loan and lease loss provision to assets | 0.0652% | 1,696 |
| Net operating income to assets | 1.2565% | 1,963 |
| Return on assets (ROA) | 1.2565% | 2,030 |
| Pretax return on assets | 1.6344% | 1,598 |
| Return on Equity (ROE) | 11.1019% | 2,345 |
| Retained earnings to average equity (ytd only) | 0.4989% | 4,496 |
| Net charge-offs to loans | -0.0197% | 3,963 |
| Credit loss provision to net charge-offs | -483.8710% | 3,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6043% | 2,299 |
| Assets per employee ($millions) | 5.3071% | 3,397 |
| Cash dividends to net income (ytd only)* | 95.5064% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1463% | 497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 63.5282% | 1,831 |
| Net loans and leases to deposits | 72.5702% | 1,999 |
| Net loans and leases to core deposits | 74.8667% | 2,157 |
| Total domestic deposits to total assets | 87.5403% | 2,090 |
| Equity capital to assets | 10.5785% | 2,389 |
| Core capital (leverage) ratio | 10.8050% | 1,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $306,979,750 | 2,429 |
| Average earning assets | $295,947,250 | 2,376 |
| Average equity | $34,744,000 | 2,335 |
| Average total loans | $210,202,250 | 2,201 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7985% | 2,073 |
| Cost of funding earning assets | 0.4382% | 1,601 |
| Net interest margin | 3.3603% | 2,273 |
| Noninterest income to average assets | 1.6629% | 446 |
| Noninterest expense to average assets | 3.1275% | 807 |
| Loan and lease loss provision to assets | 0.0995% | 1,275 |
| Net operating income to assets | 1.2966% | 1,879 |
| Return on assets (ROA) | 1.2966% | 1,952 |
| Pretax return on assets | 1.6722% | 1,555 |
| Return on Equity (ROE) | 11.1945% | 2,353 |
| Retained earnings to average equity (ytd only) | 7.6311% | 2,216 |
| Net charge-offs to loans | -0.0152% | 3,863 |
| Credit loss provision to net charge-offs | -937.5000% | 3,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8358% | 2,453 |
| Assets per employee ($millions) | 4.9411% | 3,706 |
| Cash dividends to net income (ytd only)* | 31.8321% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1923% | 432 |
| Loan loss allowance to noncurrent loans | 89.9380% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.6059% | 331 |
| Noncurrent loans to loans | 2.4376% | 339 |
| Net loans and leases to total assets | 64.4371% | 1,899 |
| Net loans and leases to deposits | 74.1597% | 1,982 |
| Net loans and leases to core deposits | 76.6182% | 2,180 |
| Total domestic deposits to total assets | 86.8896% | 2,388 |
| Equity capital to assets | 11.4094% | 1,690 |
| Core capital (leverage) ratio | 11.5794% | 1,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $301,395,667 | 2,451 |
| Average earning assets | $290,271,333 | 2,402 |
| Average equity | $34,910,000 | 2,315 |
| Average total loans | $210,212,333 | 2,208 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9265% | 1,766 |
| Cost of funding earning assets | 0.4647% | 1,623 |
| Net interest margin | 3.4617% | 1,927 |
| Noninterest income to average assets | 1.5719% | 564 |
| Noninterest expense to average assets | 3.2464% | 654 |
| Loan and lease loss provision to assets | 0.1214% | 1,127 |
| Net operating income to assets | 1.2495% | 1,977 |
| Return on assets (ROA) | 1.2495% | 2,059 |
| Pretax return on assets | 1.5409% | 1,883 |
| Return on Equity (ROE) | 10.7030% | 2,455 |
| Retained earnings to average equity (ytd only) | 3.6409% | 3,606 |
| Net charge-offs to loans | -0.0169% | 3,913 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1352% | 2,212 |
| Assets per employee ($millions) | 4.8738% | 3,780 |
| Cash dividends to net income (ytd only)* | 65.9827% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0940% | 508 |
| Loan loss allowance to noncurrent loans | 88.5623% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.6550% | 352 |
| Noncurrent loans to loans | 2.3644% | 405 |
| Net loans and leases to total assets | 68.5309% | 1,462 |
| Net loans and leases to deposits | 79.8977% | 1,529 |
| Net loans and leases to core deposits | 83.0424% | 1,750 |
| Total domestic deposits to total assets | 85.7734% | 2,822 |
| Equity capital to assets | 11.3766% | 1,617 |
| Core capital (leverage) ratio | 11.6999% | 1,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,449,500 | 2,458 |
| Average earning assets | $285,754,000 | 2,404 |
| Average equity | $34,607,000 | 2,329 |
| Average total loans | $212,778,000 | 2,200 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3335% | 1,766 |
| Cost of funding earning assets | 0.7100% | 1,672 |
| Net interest margin | 3.6235% | 2,060 |
| Noninterest income to average assets | 1.5249% | 522 |
| Noninterest expense to average assets | 3.2691% | 941 |
| Loan and lease loss provision to assets | 0.3630% | 922 |
| Net operating income to assets | 1.0991% | 1,927 |
| Return on assets (ROA) | 1.2652% | 1,456 |
| Pretax return on assets | 1.5880% | 1,100 |
| Return on Equity (ROE) | 10.6017% | 1,774 |
| Retained earnings to average equity (ytd only) | 5.1532% | 2,212 |
| Net charge-offs to loans | -0.0165% | 4,380 |
| Credit loss provision to net charge-offs | -2,942.8571% | 4,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2183% | 2,646 |
| Assets per employee ($millions) | 4.8454% | 3,556 |
| Cash dividends to net income (ytd only)* | 51.3928% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0229% | 556 |
| Loan loss allowance to noncurrent loans | 508.8132% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 2,824 |
| Noncurrent loans to loans | 0.3976% | 2,782 |
| Net loans and leases to total assets | 72.1349% | 1,273 |
| Net loans and leases to deposits | 85.4954% | 1,293 |
| Net loans and leases to core deposits | 88.9777% | 1,611 |
| Total domestic deposits to total assets | 84.3729% | 2,989 |
| Equity capital to assets | 11.9828% | 1,575 |
| Core capital (leverage) ratio | 11.5558% | 1,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,748,000 | 2,379 |
| Average earning assets | $273,107,800 | 2,330 |
| Average equity | $33,862,400 | 2,296 |
| Average total loans | $212,039,000 | 2,151 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3912% | 1,868 |
| Cost of funding earning assets | 0.7510% | 1,741 |
| Net interest margin | 3.6403% | 2,121 |
| Noninterest income to average assets | 1.4680% | 540 |
| Noninterest expense to average assets | 3.2235% | 1,035 |
| Loan and lease loss provision to assets | 0.4727% | 651 |
| Net operating income to assets | 1.0150% | 2,276 |
| Return on assets (ROA) | 1.2378% | 1,643 |
| Pretax return on assets | 1.5522% | 1,319 |
| Return on Equity (ROE) | 10.3828% | 1,880 |
| Retained earnings to average equity (ytd only) | 3.1093% | 3,471 |
| Net charge-offs to loans | -0.0183% | 4,386 |
| Credit loss provision to net charge-offs | -3,448.2759% | 4,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8592% | 2,620 |
| Assets per employee ($millions) | 4.9411% | 3,327 |
| Cash dividends to net income (ytd only)* | 70.0535% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9795% | 511 |
| Loan loss allowance to noncurrent loans | 504.7004% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2870% | 3,015 |
| Noncurrent loans to loans | 0.3922% | 2,888 |
| Net loans and leases to total assets | 71.7377% | 1,708 |
| Net loans and leases to deposits | 85.3529% | 1,770 |
| Net loans and leases to core deposits | 89.3860% | 2,028 |
| Total domestic deposits to total assets | 84.0484% | 2,807 |
| Equity capital to assets | 11.4607% | 2,037 |
| Core capital (leverage) ratio | 11.0915% | 1,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,003,500 | 2,366 |
| Average earning assets | $271,292,000 | 2,319 |
| Average equity | $33,618,750 | 2,298 |
| Average total loans | $211,537,500 | 2,153 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4930% | 1,937 |
| Cost of funding earning assets | 0.7860% | 1,898 |
| Net interest margin | 3.7070% | 2,135 |
| Noninterest income to average assets | 1.4352% | 510 |
| Noninterest expense to average assets | 3.3105% | 982 |
| Loan and lease loss provision to assets | 0.4329% | 902 |
| Net operating income to assets | 1.0112% | 2,281 |
| Return on assets (ROA) | 1.2519% | 1,606 |
| Pretax return on assets | 1.5694% | 1,295 |
| Return on Equity (ROE) | 10.3584% | 1,863 |
| Retained earnings to average equity (ytd only) | 6.6509% | 1,798 |
| Net charge-offs to loans | -0.0200% | 4,404 |
| Credit loss provision to net charge-offs | -2,857.1429% | 3,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0524% | 2,509 |
| Assets per employee ($millions) | 4.9555% | 3,225 |
| Cash dividends to net income (ytd only)* | 35.7925% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7919% | 664 |
| Loan loss allowance to noncurrent loans | 451.4518% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 3,161 |
| Noncurrent loans to loans | 0.3969% | 2,982 |
| Net loans and leases to total assets | 71.6484% | 1,779 |
| Net loans and leases to deposits | 85.4134% | 1,835 |
| Net loans and leases to core deposits | 89.6588% | 2,100 |
| Total domestic deposits to total assets | 83.8843% | 2,786 |
| Equity capital to assets | 11.5407% | 1,944 |
| Core capital (leverage) ratio | 11.4410% | 1,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $277,182,667 | 2,367 |
| Average earning assets | $267,439,000 | 2,319 |
| Average equity | $33,499,333 | 2,290 |
| Average total loans | $209,725,667 | 2,155 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5188% | 2,260 |
| Cost of funding earning assets | 0.8414% | 2,162 |
| Net interest margin | 3.6774% | 2,408 |
| Noninterest income to average assets | 1.5155% | 386 |
| Noninterest expense to average assets | 3.6180% | 800 |
| Loan and lease loss provision to assets | 0.2246% | 1,379 |
| Net operating income to assets | 0.9740% | 2,266 |
| Return on assets (ROA) | 1.3478% | 1,197 |
| Pretax return on assets | 1.6877% | 873 |
| Return on Equity (ROE) | 10.8788% | 1,446 |
| Retained earnings to average equity (ytd only) | 10.6370% | 624 |
| Net charge-offs to loans | -0.0136% | 4,188 |
| Credit loss provision to net charge-offs | -2,142.8571% | 3,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4581% | 2,163 |
| Assets per employee ($millions) | 4.2577% | 3,585 |
| Cash dividends to net income (ytd only)* | 2.2222% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6557% | 941 |
| Loan loss allowance to noncurrent loans | 34,230.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 4,627 |
| Noncurrent loans to loans | 0.0048% | 4,559 |
| Net loans and leases to total assets | 75.7963% | 1,334 |
| Net loans and leases to deposits | 91.8004% | 1,308 |
| Net loans and leases to core deposits | 97.3115% | 1,697 |
| Total domestic deposits to total assets | 82.5665% | 3,246 |
| Equity capital to assets | 12.5337% | 1,707 |
| Core capital (leverage) ratio | 12.4071% | 1,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,108,500 | 2,384 |
| Average earning assets | $257,680,000 | 2,336 |
| Average equity | $33,092,000 | 2,299 |
| Average total loans | $206,128,500 | 2,138 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6267% | 2,528 |
| Cost of funding earning assets | 0.8660% | 2,353 |
| Net interest margin | 3.7607% | 2,635 |
| Noninterest income to average assets | 1.4821% | 421 |
| Noninterest expense to average assets | 3.3991% | 1,119 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3791% | 1,414 |
| Return on assets (ROA) | 1.3773% | 1,498 |
| Pretax return on assets | 1.7119% | 1,159 |
| Return on Equity (ROE) | 11.4550% | 1,711 |
| Retained earnings to average equity (ytd only) | 2.0845% | 3,955 |
| Net charge-offs to loans | -0.0512% | 4,825 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4760% | 2,696 |
| Assets per employee ($millions) | 4.1560% | 3,687 |
| Cash dividends to net income (ytd only)* | 81.8031% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5886% | 999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 76.0415% | 1,406 |
| Net loans and leases to deposits | 91.1741% | 1,465 |
| Net loans and leases to core deposits | 94.8508% | 1,994 |
| Total domestic deposits to total assets | 83.4026% | 3,067 |
| Equity capital to assets | 12.2430% | 1,986 |
| Core capital (leverage) ratio | 11.9824% | 1,795 |
| Tier 1 risk-based capital ratio | 16.5335% | 2,205 |
| Total risk-based capital ratio | 17.7885% | 2,145 |
| Memoranda: | ||
| Average total assets | $263,337,600 | 2,377 |
| Average earning assets | $254,261,000 | 2,309 |
| Average equity | $31,663,000 | 2,315 |
| Average total loans | $199,129,200 | 2,173 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 2,726 |
| Cost of funding earning assets | 0.8556% | 2,439 |
| Net interest margin | 3.7428% | 2,773 |
| Noninterest income to average assets | 1.3999% | 462 |
| Noninterest expense to average assets | 3.3526% | 1,173 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3393% | 1,681 |
| Return on assets (ROA) | 1.3299% | 1,797 |
| Pretax return on assets | 1.6507% | 1,468 |
| Return on Equity (ROE) | 11.1116% | 1,977 |
| Retained earnings to average equity (ytd only) | -1.3699% | 4,888 |
| Net charge-offs to loans | -0.0338% | 4,728 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8522% | 2,606 |
| Assets per employee ($millions) | 4.2842% | 3,507 |
| Cash dividends to net income (ytd only)* | 112.3281% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6166% | 962 |
| Loan loss allowance to noncurrent loans | 5,445.7627% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 4,634 |
| Noncurrent loans to loans | 0.0297% | 4,534 |
| Net loans and leases to total assets | 73.6137% | 1,892 |
| Net loans and leases to deposits | 86.8236% | 2,087 |
| Net loans and leases to core deposits | 90.7914% | 2,485 |
| Total domestic deposits to total assets | 84.7854% | 2,509 |
| Equity capital to assets | 11.9916% | 2,265 |
| Core capital (leverage) ratio | 11.6693% | 2,104 |
| Tier 1 risk-based capital ratio | 16.1469% | 2,374 |
| Total risk-based capital ratio | 17.4020% | 2,311 |
| Memoranda: | ||
| Average total assets | $262,676,750 | 2,395 |
| Average earning assets | $253,708,500 | 2,329 |
| Average equity | $31,437,750 | 2,341 |
| Average total loans | $197,531,250 | 2,204 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5556% | 2,822 |
| Cost of funding earning assets | 0.8364% | 2,468 |
| Net interest margin | 3.7192% | 2,872 |
| Noninterest income to average assets | 1.3183% | 505 |
| Noninterest expense to average assets | 3.1731% | 1,562 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4001% | 1,438 |
| Return on assets (ROA) | 1.3642% | 1,592 |
| Pretax return on assets | 1.6928% | 1,283 |
| Return on Equity (ROE) | 11.4059% | 1,823 |
| Retained earnings to average equity (ytd only) | 3.3802% | 3,546 |
| Net charge-offs to loans | -0.0386% | 4,757 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6226% | 3,031 |
| Assets per employee ($millions) | 4.4963% | 3,146 |
| Cash dividends to net income (ytd only)* | 70.3641% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5960% | 1,037 |
| Loan loss allowance to noncurrent loans | 305.1478% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.3954% | 2,919 |
| Noncurrent loans to loans | 0.5230% | 2,711 |
| Net loans and leases to total assets | 74.3987% | 1,825 |
| Net loans and leases to deposits | 87.2227% | 2,099 |
| Net loans and leases to core deposits | 92.0657% | 2,412 |
| Total domestic deposits to total assets | 85.2974% | 2,346 |
| Equity capital to assets | 12.2719% | 2,007 |
| Core capital (leverage) ratio | 12.1668% | 1,715 |
| Tier 1 risk-based capital ratio | 17.0363% | 2,078 |
| Total risk-based capital ratio | 18.2919% | 2,020 |
| Memoranda: | ||
| Average total assets | $261,696,000 | 2,409 |
| Average earning assets | $252,745,000 | 2,343 |
| Average equity | $31,299,670 | 2,346 |
| Average total loans | $197,126,670 | 2,212 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5203% | 2,799 |
| Cost of funding earning assets | 0.8059% | 2,503 |
| Net interest margin | 3.7143% | 2,842 |
| Noninterest income to average assets | 1.1697% | 593 |
| Noninterest expense to average assets | 3.2027% | 1,486 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2590% | 1,850 |
| Return on assets (ROA) | 1.2066% | 2,080 |
| Pretax return on assets | 1.4913% | 1,799 |
| Return on Equity (ROE) | 10.2243% | 2,269 |
| Retained earnings to average equity (ytd only) | -5.8033% | 4,967 |
| Net charge-offs to loans | -0.0757% | 4,955 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3027% | 2,737 |
| Assets per employee ($millions) | 4.4291% | 3,291 |
| Cash dividends to net income (ytd only)* | 156.7602% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6409% | 989 |
| Loan loss allowance to noncurrent loans | 296.0222% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 2,932 |
| Noncurrent loans to loans | 0.5543% | 2,661 |
| Net loans and leases to total assets | 73.4019% | 1,912 |
| Net loans and leases to deposits | 85.8789% | 2,141 |
| Net loans and leases to core deposits | 90.2811% | 2,472 |
| Total domestic deposits to total assets | 85.4714% | 2,496 |
| Equity capital to assets | 11.7944% | 2,160 |
| Core capital (leverage) ratio | 11.8442% | 1,873 |
| Tier 1 risk-based capital ratio | 16.8111% | 2,169 |
| Total risk-based capital ratio | 18.0669% | 2,117 |
| Memoranda: | ||
| Average total assets | $259,904,000 | 2,444 |
| Average earning assets | $251,136,500 | 2,373 |
| Average equity | $30,672,000 | 2,370 |
| Average total loans | $195,407,000 | 2,244 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5324% | 2,363 |
| Cost of funding earning assets | 0.6142% | 2,625 |
| Net interest margin | 3.9182% | 2,268 |
| Noninterest income to average assets | 1.3245% | 525 |
| Noninterest expense to average assets | 3.1918% | 1,572 |
| Loan and lease loss provision to assets | 0.1483% | 1,435 |
| Net operating income to assets | 1.4134% | 1,382 |
| Return on assets (ROA) | 1.4039% | 1,408 |
| Pretax return on assets | 1.7507% | 1,048 |
| Return on Equity (ROE) | 11.7342% | 1,803 |
| Retained earnings to average equity (ytd only) | 2.2371% | 4,262 |
| Net charge-offs to loans | -0.0650% | 5,046 |
| Credit loss provision to net charge-offs | -300.0000% | 4,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5523% | 3,424 |
| Assets per employee ($millions) | 4.6998% | 2,877 |
| Cash dividends to net income (ytd only)* | 80.9349% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 995 |
| Loan loss allowance to noncurrent loans | 288.3318% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.4244% | 2,867 |
| Noncurrent loans to loans | 0.5603% | 2,592 |
| Net loans and leases to total assets | 74.5246% | 1,835 |
| Net loans and leases to deposits | 87.8607% | 2,061 |
| Net loans and leases to core deposits | 91.3414% | 2,466 |
| Total domestic deposits to total assets | 84.8214% | 2,719 |
| Equity capital to assets | 11.8082% | 2,027 |
| Core capital (leverage) ratio | 11.8149% | 1,860 |
| Tier 1 risk-based capital ratio | 17.0315% | 2,054 |
| Total risk-based capital ratio | 18.2872% | 1,995 |
| Memoranda: | ||
| Average total assets | $252,931,200 | 2,451 |
| Average earning assets | $243,888,600 | 2,384 |
| Average equity | $30,262,000 | 2,321 |
| Average total loans | $192,236,600 | 2,230 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4827% | 2,359 |
| Cost of funding earning assets | 0.5856% | 2,580 |
| Net interest margin | 3.8971% | 2,313 |
| Noninterest income to average assets | 1.3272% | 541 |
| Noninterest expense to average assets | 3.2519% | 1,405 |
| Loan and lease loss provision to assets | 0.1988% | 876 |
| Net operating income to assets | 1.3076% | 1,825 |
| Return on assets (ROA) | 1.2949% | 1,880 |
| Pretax return on assets | 1.6172% | 1,525 |
| Return on Equity (ROE) | 10.7868% | 2,266 |
| Retained earnings to average equity (ytd only) | -1.7617% | 5,182 |
| Net charge-offs to loans | -0.0369% | 4,822 |
| Credit loss provision to net charge-offs | -707.5472% | 4,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9662% | 3,194 |
| Assets per employee ($millions) | 4.4698% | 3,165 |
| Cash dividends to net income (ytd only)* | 116.3325% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5702% | 1,150 |
| Loan loss allowance to noncurrent loans | 275.4902% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.4328% | 2,955 |
| Noncurrent loans to loans | 0.5700% | 2,668 |
| Net loans and leases to total assets | 74.7401% | 1,866 |
| Net loans and leases to deposits | 87.6573% | 2,198 |
| Net loans and leases to core deposits | 92.0083% | 2,481 |
| Total domestic deposits to total assets | 85.2640% | 2,503 |
| Equity capital to assets | 11.1295% | 2,534 |
| Core capital (leverage) ratio | 11.6607% | 2,040 |
| Tier 1 risk-based capital ratio | 16.4574% | 2,284 |
| Total risk-based capital ratio | 17.7125% | 2,226 |
| Memoranda: | ||
| Average total assets | $251,541,750 | 2,477 |
| Average earning assets | $242,464,500 | 2,409 |
| Average equity | $30,196,750 | 2,328 |
| Average total loans | $191,345,500 | 2,249 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3974% | 2,428 |
| Cost of funding earning assets | 0.5576% | 2,542 |
| Net interest margin | 3.8398% | 2,421 |
| Noninterest income to average assets | 1.3536% | 524 |
| Noninterest expense to average assets | 3.2397% | 1,452 |
| Loan and lease loss provision to assets | 0.2410% | 648 |
| Net operating income to assets | 1.2748% | 1,879 |
| Return on assets (ROA) | 1.2748% | 1,882 |
| Pretax return on assets | 1.5737% | 1,589 |
| Return on Equity (ROE) | 10.3574% | 2,401 |
| Retained earnings to average equity (ytd only) | 9.9854% | 932 |
| Net charge-offs to loans | -0.0148% | 4,453 |
| Credit loss provision to net charge-offs | -2,142.8571% | 4,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0973% | 3,305 |
| Assets per employee ($millions) | 4.2877% | 3,441 |
| Cash dividends to net income (ytd only)* | 3.5917% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 1,266 |
| Loan loss allowance to noncurrent loans | 259.8604% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.4530% | 2,918 |
| Noncurrent loans to loans | 0.5933% | 2,643 |
| Net loans and leases to total assets | 75.1798% | 1,765 |
| Net loans and leases to deposits | 88.7078% | 2,019 |
| Net loans and leases to core deposits | 93.4883% | 2,268 |
| Total domestic deposits to total assets | 84.7499% | 2,771 |
| Equity capital to assets | 12.3763% | 1,612 |
| Core capital (leverage) ratio | 12.6320% | 1,372 |
| Tier 1 risk-based capital ratio | 17.5203% | 1,937 |
| Total risk-based capital ratio | 18.7744% | 1,888 |
| Memoranda: | ||
| Average total assets | $248,972,670 | 2,508 |
| Average earning assets | $239,959,330 | 2,429 |
| Average equity | $30,644,670 | 2,313 |
| Average total loans | $189,509,330 | 2,268 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2868% | 2,574 |
| Cost of funding earning assets | 0.5213% | 2,619 |
| Net interest margin | 3.7654% | 2,564 |
| Noninterest income to average assets | 1.3653% | 499 |
| Noninterest expense to average assets | 3.2652% | 1,417 |
| Loan and lease loss provision to assets | 0.2915% | 451 |
| Net operating income to assets | 0.9216% | 3,196 |
| Return on assets (ROA) | 0.9216% | 3,211 |
| Pretax return on assets | 1.4350% | 1,884 |
| Return on Equity (ROE) | 7.5085% | 3,583 |
| Retained earnings to average equity (ytd only) | 7.1654% | 2,202 |
| Net charge-offs to loans | -0.0043% | 3,955 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4121% | 3,263 |
| Assets per employee ($millions) | 4.2826% | 3,514 |
| Cash dividends to net income (ytd only)* | 4.5694% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5195% | 1,395 |
| Loan loss allowance to noncurrent loans | 243.3704% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.4627% | 2,997 |
| Noncurrent loans to loans | 0.6244% | 2,668 |
| Net loans and leases to total assets | 72.9726% | 2,029 |
| Net loans and leases to deposits | 86.0187% | 2,167 |
| Net loans and leases to core deposits | 91.2276% | 2,355 |
| Total domestic deposits to total assets | 84.8334% | 2,998 |
| Equity capital to assets | 12.0322% | 1,764 |
| Core capital (leverage) ratio | 12.7902% | 1,256 |
| Tier 1 risk-based capital ratio | 17.6108% | 1,945 |
| Total risk-based capital ratio | 18.8650% | 1,895 |
| Memoranda: | ||
| Average total assets | $246,971,500 | 2,541 |
| Average earning assets | $237,847,000 | 2,470 |
| Average equity | $30,312,500 | 2,345 |
| Average total loans | $187,682,000 | 2,300 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3636% | 2,135 |
| Cost of funding earning assets | 0.4177% | 3,071 |
| Net interest margin | 3.9460% | 1,928 |
| Noninterest income to average assets | 1.3739% | 554 |
| Noninterest expense to average assets | 3.2577% | 1,470 |
| Loan and lease loss provision to assets | 0.1138% | 1,998 |
| Net operating income to assets | 1.2462% | 1,372 |
| Return on assets (ROA) | 1.2677% | 1,328 |
| Pretax return on assets | 1.8400% | 710 |
| Return on Equity (ROE) | 9.9423% | 1,905 |
| Retained earnings to average equity (ytd only) | 1.4543% | 4,422 |
| Net charge-offs to loans | -0.0737% | 5,296 |
| Credit loss provision to net charge-offs | -203.0075% | 4,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8864% | 3,797 |
| Assets per employee ($millions) | 4.0893% | 3,826 |
| Cash dividends to net income (ytd only)* | 85.3723% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 1,703 |
| Loan loss allowance to noncurrent loans | 200.6782% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.5500% | 2,724 |
| Noncurrent loans to loans | 0.7053% | 2,446 |
| Net loans and leases to total assets | 76.8740% | 1,449 |
| Net loans and leases to deposits | 91.0293% | 1,646 |
| Net loans and leases to core deposits | 96.0911% | 2,016 |
| Total domestic deposits to total assets | 84.4498% | 3,056 |
| Equity capital to assets | 12.5266% | 1,503 |
| Core capital (leverage) ratio | 12.8564% | 1,195 |
| Tier 1 risk-based capital ratio | 16.8852% | 2,130 |
| Total risk-based capital ratio | 18.1379% | 2,070 |
| Memoranda: | ||
| Average total assets | $237,282,200 | 2,585 |
| Average earning assets | $228,892,800 | 2,505 |
| Average equity | $30,254,600 | 2,341 |
| Average total loans | $180,546,000 | 2,326 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3602% | 2,074 |
| Cost of funding earning assets | 0.4068% | 3,118 |
| Net interest margin | 3.9534% | 1,849 |
| Noninterest income to average assets | 1.3086% | 623 |
| Noninterest expense to average assets | 3.2942% | 1,367 |
| Loan and lease loss provision to assets | 0.1354% | 1,596 |
| Net operating income to assets | 1.1756% | 1,791 |
| Return on assets (ROA) | 1.1810% | 1,817 |
| Pretax return on assets | 1.7036% | 1,116 |
| Return on Equity (ROE) | 9.2213% | 2,488 |
| Retained earnings to average equity (ytd only) | -1.9826% | 5,428 |
| Net charge-offs to loans | -0.0575% | 5,209 |
| Credit loss provision to net charge-offs | -311.6883% | 4,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2739% | 3,488 |
| Assets per employee ($millions) | 4.1730% | 3,692 |
| Cash dividends to net income (ytd only)* | 121.5000% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 1,874 |
| Loan loss allowance to noncurrent loans | 212.7993% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.5470% | 2,883 |
| Noncurrent loans to loans | 0.6591% | 2,724 |
| Net loans and leases to total assets | 76.1647% | 1,565 |
| Net loans and leases to deposits | 92.3624% | 1,516 |
| Net loans and leases to core deposits | 96.5230% | 2,022 |
| Total domestic deposits to total assets | 82.4629% | 3,638 |
| Equity capital to assets | 12.4426% | 1,685 |
| Core capital (leverage) ratio | 12.3628% | 1,478 |
| Tier 1 risk-based capital ratio | 16.8091% | 2,215 |
| Total risk-based capital ratio | 18.0612% | 2,173 |
| Memoranda: | ||
| Average total assets | $236,285,250 | 2,616 |
| Average earning assets | $228,116,000 | 2,535 |
| Average equity | $30,262,500 | 2,359 |
| Average total loans | $178,648,250 | 2,353 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3393% | 2,003 |
| Cost of funding earning assets | 0.3986% | 3,090 |
| Net interest margin | 3.9407% | 1,805 |
| Noninterest income to average assets | 1.3132% | 607 |
| Noninterest expense to average assets | 3.2533% | 1,463 |
| Loan and lease loss provision to assets | 0.1272% | 1,631 |
| Net operating income to assets | 1.2032% | 1,591 |
| Return on assets (ROA) | 1.2038% | 1,621 |
| Pretax return on assets | 1.7331% | 980 |
| Return on Equity (ROE) | 9.3096% | 2,355 |
| Retained earnings to average equity (ytd only) | 8.9488% | 859 |
| Net charge-offs to loans | -0.0791% | 5,338 |
| Credit loss provision to net charge-offs | -214.2857% | 4,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6303% | 3,735 |
| Assets per employee ($millions) | 4.0354% | 3,898 |
| Cash dividends to net income (ytd only)* | 3.8760% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 1,978 |
| Loan loss allowance to noncurrent loans | 201.2987% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 2,799 |
| Noncurrent loans to loans | 0.6920% | 2,683 |
| Net loans and leases to total assets | 73.7322% | 1,920 |
| Net loans and leases to deposits | 88.2265% | 1,956 |
| Net loans and leases to core deposits | 92.2867% | 2,315 |
| Total domestic deposits to total assets | 83.5715% | 3,379 |
| Equity capital to assets | 13.2225% | 1,267 |
| Core capital (leverage) ratio | 13.1664% | 1,112 |
| Tier 1 risk-based capital ratio | 18.2679% | 1,784 |
| Total risk-based capital ratio | 19.5201% | 1,746 |
| Memoranda: | ||
| Average total assets | $235,760,000 | 2,633 |
| Average earning assets | $227,320,000 | 2,556 |
| Average equity | $30,484,670 | 2,339 |
| Average total loans | $176,950,000 | 2,368 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2075% | 2,254 |
| Cost of funding earning assets | 0.3912% | 3,090 |
| Net interest margin | 3.8164% | 2,060 |
| Noninterest income to average assets | 1.1799% | 733 |
| Noninterest expense to average assets | 3.2976% | 1,394 |
| Loan and lease loss provision to assets | 0.2558% | 573 |
| Net operating income to assets | 0.9207% | 2,661 |
| Return on assets (ROA) | 0.9207% | 2,716 |
| Pretax return on assets | 1.3027% | 2,224 |
| Return on Equity (ROE) | 7.2032% | 3,312 |
| Retained earnings to average equity (ytd only) | 6.8564% | 1,908 |
| Net charge-offs to loans | 0.2721% | 672 |
| Credit loss provision to net charge-offs | 125.0000% | 1,346 |
| Earnings coverage of net charge-offs (x) | 7.6167% | 2,119 |
| Efficiency ratio | 67.9073% | 3,216 |
| Assets per employee ($millions) | 4.1288% | 3,792 |
| Cash dividends to net income (ytd only)* | 4.8148% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 2,556 |
| Loan loss allowance to noncurrent loans | 182.9073% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 2,750 |
| Noncurrent loans to loans | 0.7087% | 2,723 |
| Net loans and leases to total assets | 72.8147% | 1,943 |
| Net loans and leases to deposits | 86.4078% | 1,990 |
| Net loans and leases to core deposits | 90.9461% | 2,274 |
| Total domestic deposits to total assets | 84.2687% | 3,371 |
| Equity capital to assets | 12.6725% | 1,426 |
| Core capital (leverage) ratio | 13.1500% | 1,084 |
| Tier 1 risk-based capital ratio | 17.8962% | 1,910 |
| Total risk-based capital ratio | 19.1471% | 1,867 |
| Memoranda: | ||
| Average total assets | $234,597,000 | 2,662 |
| Average earning assets | $225,975,000 | 2,594 |
| Average equity | $29,986,500 | 2,376 |
| Average total loans | $176,412,000 | 2,393 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2923% | 2,164 |
| Cost of funding earning assets | 0.3888% | 3,116 |
| Net interest margin | 3.9035% | 1,952 |
| Noninterest income to average assets | 1.2546% | 724 |
| Noninterest expense to average assets | 3.2619% | 1,662 |
| Loan and lease loss provision to assets | 0.1329% | 1,876 |
| Net operating income to assets | 1.1270% | 1,788 |
| Return on assets (ROA) | 1.1592% | 1,746 |
| Pretax return on assets | 1.6734% | 1,071 |
| Return on Equity (ROE) | 8.6957% | 2,566 |
| Retained earnings to average equity (ytd only) | -0.2779% | 5,348 |
| Net charge-offs to loans | 0.3017% | 911 |
| Credit loss provision to net charge-offs | 58.2061% | 3,273 |
| Earnings coverage of net charge-offs (x) | 7.7061% | 2,976 |
| Efficiency ratio | 64.9570% | 3,771 |
| Assets per employee ($millions) | 4.1768% | 3,654 |
| Cash dividends to net income (ytd only)* | 103.1955% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 2,639 |
| Loan loss allowance to noncurrent loans | 155.3265% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.7426% | 2,506 |
| Noncurrent loans to loans | 0.8259% | 2,460 |
| Net loans and leases to total assets | 75.7016% | 1,560 |
| Net loans and leases to deposits | 90.3407% | 1,645 |
| Net loans and leases to core deposits | 94.8574% | 2,023 |
| Total domestic deposits to total assets | 83.7957% | 3,500 |
| Equity capital to assets | 12.8964% | 1,300 |
| Core capital (leverage) ratio | 13.0316% | 1,121 |
| Tier 1 risk-based capital ratio | 17.7741% | 1,910 |
| Total risk-based capital ratio | 19.0247% | 1,867 |
| Memoranda: | ||
| Average total assets | $229,466,800 | 2,671 |
| Average earning assets | $221,443,000 | 2,580 |
| Average equity | $30,589,800 | 2,313 |
| Average total loans | $173,689,000 | 2,378 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2939% | 2,180 |
| Cost of funding earning assets | 0.3867% | 3,158 |
| Net interest margin | 3.9071% | 1,951 |
| Noninterest income to average assets | 1.1996% | 798 |
| Noninterest expense to average assets | 3.2594% | 1,655 |
| Loan and lease loss provision to assets | 0.1424% | 1,645 |
| Net operating income to assets | 1.0893% | 2,048 |
| Return on assets (ROA) | 1.1322% | 1,984 |
| Pretax return on assets | 1.6355% | 1,286 |
| Return on Equity (ROE) | 8.4243% | 2,797 |
| Retained earnings to average equity (ytd only) | -3.3559% | 5,668 |
| Net charge-offs to loans | 0.1140% | 1,809 |
| Credit loss provision to net charge-offs | 165.5405% | 1,672 |
| Earnings coverage of net charge-offs (x) | 19.9458% | 1,904 |
| Efficiency ratio | 65.5140% | 3,674 |
| Assets per employee ($millions) | 4.2271% | 3,546 |
| Cash dividends to net income (ytd only)* | 139.8357% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4558% | 1,952 |
| Loan loss allowance to noncurrent loans | 98.6595% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.2217% | 1,625 |
| Noncurrent loans to loans | 1.4756% | 1,461 |
| Net loans and leases to total assets | 73.6614% | 1,928 |
| Net loans and leases to deposits | 88.9456% | 1,896 |
| Net loans and leases to core deposits | 92.1978% | 2,355 |
| Total domestic deposits to total assets | 82.8162% | 3,660 |
| Equity capital to assets | 12.6345% | 1,683 |
| Core capital (leverage) ratio | 12.6116% | 1,355 |
| Tier 1 risk-based capital ratio | 17.6204% | 2,035 |
| Total risk-based capital ratio | 18.8737% | 1,999 |
| Memoranda: | ||
| Average total assets | $229,402,750 | 2,677 |
| Average earning assets | $221,673,750 | 2,589 |
| Average equity | $30,830,750 | 2,311 |
| Average total loans | $173,070,250 | 2,386 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3047% | 2,143 |
| Cost of funding earning assets | 0.3858% | 3,198 |
| Net interest margin | 3.9189% | 1,917 |
| Noninterest income to average assets | 1.2240% | 753 |
| Noninterest expense to average assets | 3.2155% | 1,775 |
| Loan and lease loss provision to assets | 0.1234% | 1,847 |
| Net operating income to assets | 1.1652% | 1,720 |
| Return on assets (ROA) | 1.1967% | 1,705 |
| Pretax return on assets | 1.7166% | 1,055 |
| Return on Equity (ROE) | 8.7224% | 2,624 |
| Retained earnings to average equity (ytd only) | 8.3948% | 1,046 |
| Net charge-offs to loans | 0.0536% | 2,435 |
| Credit loss provision to net charge-offs | 304.3478% | 946 |
| Earnings coverage of net charge-offs (x) | 44.2826% | 1,087 |
| Efficiency ratio | 64.1752% | 3,991 |
| Assets per employee ($millions) | 4.0580% | 3,803 |
| Cash dividends to net income (ytd only)* | 3.7555% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4825% | 1,931 |
| Loan loss allowance to noncurrent loans | 99.6129% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.2585% | 1,623 |
| Noncurrent loans to loans | 1.4882% | 1,473 |
| Net loans and leases to total assets | 73.9230% | 1,857 |
| Net loans and leases to deposits | 89.6117% | 1,793 |
| Net loans and leases to core deposits | 93.3631% | 2,224 |
| Total domestic deposits to total assets | 82.4925% | 3,845 |
| Equity capital to assets | 13.9460% | 1,043 |
| Core capital (leverage) ratio | 13.6892% | 910 |
| Tier 1 risk-based capital ratio | 18.9673% | 1,701 |
| Total risk-based capital ratio | 20.2206% | 1,671 |
| Memoranda: | ||
| Average total assets | $226,964,670 | 2,710 |
| Average earning assets | $219,294,330 | 2,621 |
| Average equity | $31,138,330 | 2,300 |
| Average total loans | $171,778,670 | 2,393 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3102% | 2,094 |
| Cost of funding earning assets | 0.3850% | 3,247 |
| Net interest margin | 3.9252% | 1,865 |
| Noninterest income to average assets | 1.3025% | 643 |
| Noninterest expense to average assets | 3.4022% | 1,375 |
| Loan and lease loss provision to assets | 0.1068% | 1,920 |
| Net operating income to assets | 1.1091% | 1,866 |
| Return on assets (ROA) | 1.1726% | 1,741 |
| Pretax return on assets | 1.6762% | 1,121 |
| Return on Equity (ROE) | 8.6204% | 2,602 |
| Retained earnings to average equity (ytd only) | 8.2934% | 1,342 |
| Net charge-offs to loans | -0.1124% | 5,686 |
| Credit loss provision to net charge-offs | -125.0000% | 4,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7831% | 3,670 |
| Assets per employee ($millions) | 4.1183% | 3,729 |
| Cash dividends to net income (ytd only)* | 3.7936% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5246% | 1,891 |
| Loan loss allowance to noncurrent loans | 93.7319% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.3633% | 1,554 |
| Noncurrent loans to loans | 1.6265% | 1,413 |
| Net loans and leases to total assets | 73.7723% | 1,760 |
| Net loans and leases to deposits | 88.9842% | 1,704 |
| Net loans and leases to core deposits | 92.4629% | 2,142 |
| Total domestic deposits to total assets | 82.9050% | 3,931 |
| Equity capital to assets | 13.6809% | 1,101 |
| Core capital (leverage) ratio | 13.6827% | 915 |
| Tier 1 risk-based capital ratio | 19.1319% | 1,702 |
| Total risk-based capital ratio | 20.3858% | 1,665 |
| Memoranda: | ||
| Average total assets | $224,793,500 | 2,739 |
| Average earning assets | $217,160,500 | 2,653 |
| Average equity | $30,578,500 | 2,337 |
| Average total loans | $170,887,000 | 2,399 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 2,121 |
| Cost of funding earning assets | 0.3839% | 3,331 |
| Net interest margin | 3.9455% | 1,889 |
| Noninterest income to average assets | 1.2157% | 809 |
| Noninterest expense to average assets | 3.2507% | 1,837 |
| Loan and lease loss provision to assets | 0.0963% | 2,382 |
| Net operating income to assets | 1.1797% | 1,623 |
| Return on assets (ROA) | 1.2045% | 1,602 |
| Pretax return on assets | 1.7156% | 959 |
| Return on Equity (ROE) | 8.8558% | 2,523 |
| Retained earnings to average equity (ytd only) | 0.1745% | 5,439 |
| Net charge-offs to loans | -0.0096% | 5,103 |
| Credit loss provision to net charge-offs | -1,343.7500% | 5,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6619% | 4,141 |
| Assets per employee ($millions) | 4.1311% | 3,691 |
| Cash dividends to net income (ytd only)* | 98.0290% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 2,251 |
| Loan loss allowance to noncurrent loans | 179.6377% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.7800% | 2,731 |
| Noncurrent loans to loans | 0.8019% | 2,784 |
| Net loans and leases to total assets | 76.0303% | 1,414 |
| Net loans and leases to deposits | 91.6836% | 1,433 |
| Net loans and leases to core deposits | 94.9260% | 1,953 |
| Total domestic deposits to total assets | 82.9269% | 3,858 |
| Equity capital to assets | 13.5237% | 1,117 |
| Core capital (leverage) ratio | 13.3391% | 1,023 |
| Tier 1 risk-based capital ratio | 18.9560% | 1,710 |
| Total risk-based capital ratio | 20.2094% | 1,671 |
| Memoranda: | ||
| Average total assets | $223,243,600 | 2,721 |
| Average earning assets | $215,665,400 | 2,630 |
| Average equity | $30,364,400 | 2,295 |
| Average total loans | $166,032,800 | 2,391 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2825% | 2,298 |
| Cost of funding earning assets | 0.3822% | 3,404 |
| Net interest margin | 3.9003% | 2,030 |
| Noninterest income to average assets | 1.2211% | 806 |
| Noninterest expense to average assets | 3.2400% | 1,851 |
| Loan and lease loss provision to assets | 0.0746% | 2,684 |
| Net operating income to assets | 1.1746% | 1,736 |
| Return on assets (ROA) | 1.1955% | 1,730 |
| Pretax return on assets | 1.7024% | 1,098 |
| Return on Equity (ROE) | 8.7767% | 2,689 |
| Retained earnings to average equity (ytd only) | -2.6698% | 5,910 |
| Net charge-offs to loans | -0.0373% | 5,432 |
| Credit loss provision to net charge-offs | -271.7391% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9665% | 4,071 |
| Assets per employee ($millions) | 4.1772% | 3,569 |
| Cash dividends to net income (ytd only)* | 130.4196% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 2,425 |
| Loan loss allowance to noncurrent loans | 97.5010% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.2643% | 1,851 |
| Noncurrent loans to loans | 1.4725% | 1,699 |
| Net loans and leases to total assets | 73.6229% | 1,799 |
| Net loans and leases to deposits | 89.7163% | 1,687 |
| Net loans and leases to core deposits | 91.9883% | 2,266 |
| Total domestic deposits to total assets | 82.0620% | 4,143 |
| Equity capital to assets | 13.1032% | 1,393 |
| Core capital (leverage) ratio | 13.1272% | 1,161 |
| Tier 1 risk-based capital ratio | 18.8177% | 1,818 |
| Total risk-based capital ratio | 20.0707% | 1,787 |
| Memoranda: | ||
| Average total assets | $223,284,000 | 2,744 |
| Average earning assets | $215,601,000 | 2,643 |
| Average equity | $30,413,250 | 2,306 |
| Average total loans | $164,518,750 | 2,428 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2909% | 2,198 |
| Cost of funding earning assets | 0.3798% | 3,496 |
| Net interest margin | 3.9110% | 1,937 |
| Noninterest income to average assets | 1.1720% | 880 |
| Noninterest expense to average assets | 3.2635% | 1,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1802% | 1,666 |
| Return on assets (ROA) | 1.1783% | 1,742 |
| Pretax return on assets | 1.6816% | 1,118 |
| Return on Equity (ROE) | 8.5411% | 2,779 |
| Retained earnings to average equity (ytd only) | 8.2219% | 1,181 |
| Net charge-offs to loans | -0.0392% | 5,444 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9582% | 4,015 |
| Assets per employee ($millions) | 4.3332% | 3,243 |
| Cash dividends to net income (ytd only)* | 3.7376% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 2,792 |
| Loan loss allowance to noncurrent loans | 78.1893% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.4461% | 1,722 |
| Noncurrent loans to loans | 1.7825% | 1,439 |
| Net loans and leases to total assets | 70.2397% | 2,283 |
| Net loans and leases to deposits | 84.7315% | 2,218 |
| Net loans and leases to core deposits | 86.6756% | 2,687 |
| Total domestic deposits to total assets | 82.8967% | 3,987 |
| Equity capital to assets | 13.5567% | 1,152 |
| Core capital (leverage) ratio | 14.0828% | 815 |
| Tier 1 risk-based capital ratio | 20.2938% | 1,485 |
| Total risk-based capital ratio | 21.5465% | 1,461 |
| Memoranda: | ||
| Average total assets | $222,521,670 | 2,772 |
| Average earning assets | $214,829,000 | 2,673 |
| Average equity | $30,698,670 | 2,296 |
| Average total loans | $163,194,670 | 2,449 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3330% | 1,988 |
| Cost of funding earning assets | 0.3770% | 3,571 |
| Net interest margin | 3.9559% | 1,700 |
| Noninterest income to average assets | 1.1911% | 802 |
| Noninterest expense to average assets | 3.3998% | 1,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1255% | 1,770 |
| Return on assets (ROA) | 1.1217% | 1,897 |
| Pretax return on assets | 1.6003% | 1,268 |
| Return on Equity (ROE) | 8.0575% | 2,931 |
| Retained earnings to average equity (ytd only) | 7.7425% | 1,667 |
| Net charge-offs to loans | -0.0515% | 5,529 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9197% | 3,838 |
| Assets per employee ($millions) | 4.1389% | 3,682 |
| Cash dividends to net income (ytd only)* | 3.9088% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 3,056 |
| Loan loss allowance to noncurrent loans | 83.2050% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.4013% | 1,893 |
| Noncurrent loans to loans | 1.6488% | 1,688 |
| Net loans and leases to total assets | 72.9843% | 1,657 |
| Net loans and leases to deposits | 88.4226% | 1,571 |
| Net loans and leases to core deposits | 90.6415% | 2,071 |
| Total domestic deposits to total assets | 82.5403% | 4,334 |
| Equity capital to assets | 13.8289% | 1,043 |
| Core capital (leverage) ratio | 13.8835% | 859 |
| Tier 1 risk-based capital ratio | 20.6382% | 1,495 |
| Total risk-based capital ratio | 21.8910% | 1,459 |
| Memoranda: | ||
| Average total assets | $218,953,500 | 2,811 |
| Average earning assets | $211,126,000 | 2,717 |
| Average equity | $30,481,000 | 2,321 |
| Average total loans | $162,996,500 | 2,457 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4515% | 2,062 |
| Cost of funding earning assets | 0.3513% | 4,235 |
| Net interest margin | 4.1003% | 1,575 |
| Noninterest income to average assets | 1.1476% | 917 |
| Noninterest expense to average assets | 3.2801% | 1,978 |
| Loan and lease loss provision to assets | 0.1686% | 1,546 |
| Net operating income to assets | 1.1453% | 1,792 |
| Return on assets (ROA) | 1.2677% | 1,432 |
| Pretax return on assets | 1.7971% | 796 |
| Return on Equity (ROE) | 9.2170% | 2,474 |
| Retained earnings to average equity (ytd only) | 1.5048% | 5,083 |
| Net charge-offs to loans | 0.0977% | 3,110 |
| Credit loss provision to net charge-offs | 243.3333% | 1,049 |
| Earnings coverage of net charge-offs (x) | 25.8800% | 1,487 |
| Efficiency ratio | 64.6512% | 4,469 |
| Assets per employee ($millions) | 3.9704% | 4,021 |
| Cash dividends to net income (ytd only)* | 83.6735% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 2,954 |
| Loan loss allowance to noncurrent loans | 165.5376% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 1.1772% | 2,410 |
| Noncurrent loans to loans | 0.8456% | 3,199 |
| Net loans and leases to total assets | 73.8578% | 1,608 |
| Net loans and leases to deposits | 89.4231% | 1,570 |
| Net loans and leases to core deposits | 91.6300% | 2,133 |
| Total domestic deposits to total assets | 82.5936% | 4,219 |
| Equity capital to assets | 14.0175% | 946 |
| Core capital (leverage) ratio | 14.0795% | 795 |
| Tier 1 risk-based capital ratio | 21.0894% | 1,385 |
| Total risk-based capital ratio | 22.3428% | 1,356 |
| Memoranda: | ||
| Average total assets | $216,458,000 | 2,821 |
| Average earning assets | $207,255,000 | 2,734 |
| Average equity | $29,771,200 | 2,285 |
| Average total loans | $153,560,000 | 2,521 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4344% | 2,098 |
| Cost of funding earning assets | 0.3450% | 4,393 |
| Net interest margin | 4.0894% | 1,608 |
| Noninterest income to average assets | 1.1301% | 947 |
| Noninterest expense to average assets | 3.1506% | 2,322 |
| Loan and lease loss provision to assets | 0.1475% | 1,699 |
| Net operating income to assets | 1.2323% | 1,573 |
| Return on assets (ROA) | 1.2898% | 1,448 |
| Pretax return on assets | 1.8251% | 841 |
| Return on Equity (ROE) | 9.4227% | 2,488 |
| Retained earnings to average equity (ytd only) | -0.8844% | 5,947 |
| Net charge-offs to loans | 0.2073% | 1,812 |
| Credit loss provision to net charge-offs | 101.6949% | 2,169 |
| Earnings coverage of net charge-offs (x) | 13.0423% | 2,261 |
| Efficiency ratio | 62.4863% | 4,813 |
| Assets per employee ($millions) | 3.8656% | 4,156 |
| Cash dividends to net income (ytd only)* | 109.3854% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 3,442 |
| Loan loss allowance to noncurrent loans | 144.2635% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 1.9515% | 1,487 |
| Noncurrent loans to loans | 0.9298% | 3,240 |
| Net loans and leases to total assets | 70.4695% | 2,122 |
| Net loans and leases to deposits | 86.9023% | 1,800 |
| Net loans and leases to core deposits | 88.3203% | 2,389 |
| Total domestic deposits to total assets | 81.0905% | 4,798 |
| Equity capital to assets | 13.8288% | 1,061 |
| Core capital (leverage) ratio | 13.7343% | 918 |
| Tier 1 risk-based capital ratio | 21.2230% | 1,407 |
| Total risk-based capital ratio | 22.4753% | 1,378 |
| Memoranda: | ||
| Average total assets | $216,971,500 | 2,839 |
| Average earning assets | $207,553,750 | 2,749 |
| Average equity | $29,700,500 | 2,297 |
| Average total loans | $151,799,500 | 2,550 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4142% | 2,125 |
| Cost of funding earning assets | 0.3385% | 4,553 |
| Net interest margin | 4.0758% | 1,589 |
| Noninterest income to average assets | 1.1162% | 954 |
| Noninterest expense to average assets | 3.1095% | 2,455 |
| Loan and lease loss provision to assets | 0.1373% | 1,804 |
| Net operating income to assets | 1.2501% | 1,447 |
| Return on assets (ROA) | 1.3359% | 1,262 |
| Pretax return on assets | 1.8935% | 694 |
| Return on Equity (ROE) | 9.7918% | 2,247 |
| Retained earnings to average equity (ytd only) | 9.4361% | 850 |
| Net charge-offs to loans | -0.0936% | 6,126 |
| Credit loss provision to net charge-offs | -211.2676% | 5,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9482% | 5,016 |
| Assets per employee ($millions) | 3.9519% | 3,942 |
| Cash dividends to net income (ytd only)* | 3.6326% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 2,944 |
| Loan loss allowance to noncurrent loans | 80.0781% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 2.5548% | 1,090 |
| Noncurrent loans to loans | 1.8625% | 1,844 |
| Net loans and leases to total assets | 68.5246% | 2,323 |
| Net loans and leases to deposits | 83.2207% | 2,121 |
| Net loans and leases to core deposits | 84.5266% | 2,681 |
| Total domestic deposits to total assets | 82.3408% | 4,526 |
| Equity capital to assets | 14.2638% | 875 |
| Core capital (leverage) ratio | 14.4650% | 710 |
| Tier 1 risk-based capital ratio | 22.5247% | 1,185 |
| Total risk-based capital ratio | 23.7791% | 1,167 |
| Memoranda: | ||
| Average total assets | $218,426,330 | 2,830 |
| Average earning assets | $209,188,000 | 2,749 |
| Average equity | $29,800,330 | 2,283 |
| Average total loans | $151,779,330 | 2,551 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4170% | 2,075 |
| Cost of funding earning assets | 0.3465% | 4,572 |
| Net interest margin | 4.0705% | 1,543 |
| Noninterest income to average assets | 1.0632% | 989 |
| Noninterest expense to average assets | 2.8863% | 3,264 |
| Loan and lease loss provision to assets | 0.1279% | 1,901 |
| Net operating income to assets | 1.3761% | 1,045 |
| Return on assets (ROA) | 1.4030% | 1,026 |
| Pretax return on assets | 1.9930% | 539 |
| Return on Equity (ROE) | 10.5209% | 1,859 |
| Retained earnings to average equity (ytd only) | 10.1510% | 926 |
| Net charge-offs to loans | -0.1657% | 6,324 |
| Credit loss provision to net charge-offs | -111.1111% | 4,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0882% | 5,635 |
| Assets per employee ($millions) | 3.9888% | 3,968 |
| Cash dividends to net income (ytd only)* | 3.5156% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 3,491 |
| Loan loss allowance to noncurrent loans | 62.4748% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 2.4405% | 1,319 |
| Noncurrent loans to loans | 2.2798% | 1,573 |
| Net loans and leases to total assets | 68.3328% | 2,169 |
| Net loans and leases to deposits | 80.9145% | 2,173 |
| Net loans and leases to core deposits | 82.3683% | 2,703 |
| Total domestic deposits to total assets | 84.4506% | 4,100 |
| Equity capital to assets | 13.6272% | 1,066 |
| Core capital (leverage) ratio | 13.8662% | 864 |
| Tier 1 risk-based capital ratio | 21.8954% | 1,311 |
| Total risk-based capital ratio | 23.1478% | 1,283 |
| Memoranda: | ||
| Average total assets | $218,962,500 | 2,840 |
| Average earning assets | $210,096,500 | 2,754 |
| Average equity | $29,199,000 | 2,315 |
| Average total loans | $152,071,000 | 2,555 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2843% | 3,020 |
| Cost of funding earning assets | 0.4285% | 4,331 |
| Net interest margin | 3.8558% | 2,449 |
| Noninterest income to average assets | 1.0948% | 1,169 |
| Noninterest expense to average assets | 3.2044% | 2,404 |
| Loan and lease loss provision to assets | 0.2764% | 1,266 |
| Net operating income to assets | 0.9882% | 2,377 |
| Return on assets (ROA) | 1.0251% | 2,286 |
| Pretax return on assets | 1.3748% | 1,881 |
| Return on Equity (ROE) | 7.5766% | 3,260 |
| Retained earnings to average equity (ytd only) | 1.1054% | 5,337 |
| Net charge-offs to loans | 1.2770% | 403 |
| Credit loss provision to net charge-offs | 30.2030% | 4,245 |
| Earnings coverage of net charge-offs (x) | 1.7508% | 4,463 |
| Efficiency ratio | 66.6699% | 4,433 |
| Assets per employee ($millions) | 3.9025% | 4,060 |
| Cash dividends to net income (ytd only)* | 85.4101% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 3,951 |
| Loan loss allowance to noncurrent loans | 50.6604% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 2.6997% | 1,241 |
| Noncurrent loans to loans | 2.6390% | 1,407 |
| Net loans and leases to total assets | 68.6515% | 2,232 |
| Net loans and leases to deposits | 80.7191% | 2,360 |
| Net loans and leases to core deposits | 82.1646% | 2,878 |
| Total domestic deposits to total assets | 85.0499% | 3,716 |
| Equity capital to assets | 13.0420% | 1,257 |
| Core capital (leverage) ratio | 13.3508% | 1,008 |
| Tier 1 risk-based capital ratio | 21.4585% | 1,347 |
| Total risk-based capital ratio | 22.7114% | 1,322 |
| Memoranda: | ||
| Average total assets | $215,297,800 | 2,859 |
| Average earning assets | $207,246,800 | 2,754 |
| Average equity | $29,129,200 | 2,307 |
| Average total loans | $154,264,800 | 2,499 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2156% | 3,327 |
| Cost of funding earning assets | 0.4374% | 4,415 |
| Net interest margin | 3.7782% | 2,719 |
| Noninterest income to average assets | 1.0729% | 1,273 |
| Noninterest expense to average assets | 3.1697% | 2,449 |
| Loan and lease loss provision to assets | 0.2300% | 1,575 |
| Net operating income to assets | 0.9751% | 2,487 |
| Return on assets (ROA) | 1.0238% | 2,366 |
| Pretax return on assets | 1.3800% | 1,995 |
| Return on Equity (ROE) | 7.4983% | 3,379 |
| Retained earnings to average equity (ytd only) | -0.9333% | 6,126 |
| Net charge-offs to loans | 1.3926% | 363 |
| Credit loss provision to net charge-offs | 22.8819% | 4,021 |
| Earnings coverage of net charge-offs (x) | 1.5362% | 4,325 |
| Efficiency ratio | 67.2425% | 4,250 |
| Assets per employee ($millions) | 3.7902% | 4,271 |
| Cash dividends to net income (ytd only)* | 112.4465% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 3,852 |
| Loan loss allowance to noncurrent loans | 31.3688% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 3.1338% | 1,159 |
| Noncurrent loans to loans | 4.4946% | 721 |
| Net loans and leases to total assets | 68.7401% | 2,193 |
| Net loans and leases to deposits | 81.5046% | 2,203 |
| Net loans and leases to core deposits | 82.9643% | 2,766 |
| Total domestic deposits to total assets | 84.3389% | 4,052 |
| Equity capital to assets | 12.8826% | 1,384 |
| Core capital (leverage) ratio | 13.4463% | 1,042 |
| Tier 1 risk-based capital ratio | 21.1328% | 1,472 |
| Total risk-based capital ratio | 22.3866% | 1,440 |
| Memoranda: | ||
| Average total assets | $214,487,250 | 2,893 |
| Average earning assets | $206,687,250 | 2,778 |
| Average equity | $29,286,000 | 2,316 |
| Average total loans | $154,815,000 | 2,503 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2104% | 3,325 |
| Cost of funding earning assets | 0.4520% | 4,410 |
| Net interest margin | 3.7584% | 2,728 |
| Noninterest income to average assets | 1.0681% | 1,342 |
| Noninterest expense to average assets | 3.0878% | 2,699 |
| Loan and lease loss provision to assets | 0.3479% | 961 |
| Net operating income to assets | 0.6621% | 4,011 |
| Return on assets (ROA) | 0.7259% | 3,856 |
| Pretax return on assets | 1.3521% | 2,111 |
| Return on Equity (ROE) | 5.2148% | 4,610 |
| Retained earnings to average equity (ytd only) | 4.8838% | 3,127 |
| Net charge-offs to loans | 1.2490% | 457 |
| Credit loss provision to net charge-offs | 38.1443% | 3,455 |
| Earnings coverage of net charge-offs (x) | 1.7546% | 3,946 |
| Efficiency ratio | 65.8644% | 4,573 |
| Assets per employee ($millions) | 3.7492% | 4,305 |
| Cash dividends to net income (ytd only)* | 6.3472% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8309% | 2,331 |
| Loan loss allowance to noncurrent loans | 47.0598% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 2.7931% | 1,485 |
| Noncurrent loans to loans | 3.8907% | 1,023 |
| Net loans and leases to total assets | 70.4762% | 1,805 |
| Net loans and leases to deposits | 83.6870% | 1,836 |
| Net loans and leases to core deposits | 85.5072% | 2,382 |
| Total domestic deposits to total assets | 84.2140% | 4,234 |
| Equity capital to assets | 13.6658% | 1,067 |
| Core capital (leverage) ratio | 14.2045% | 772 |
| Tier 1 risk-based capital ratio | 22.1234% | 1,261 |
| Total risk-based capital ratio | 23.3833% | 1,235 |
| Memoranda: | ||
| Average total assets | $212,706,000 | 2,932 |
| Average earning assets | $204,874,670 | 2,813 |
| Average equity | $29,608,000 | 2,303 |
| Average total loans | $155,329,000 | 2,498 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2039% | 3,285 |
| Cost of funding earning assets | 0.4734% | 4,340 |
| Net interest margin | 3.7305% | 2,732 |
| Noninterest income to average assets | 1.0329% | 1,389 |
| Noninterest expense to average assets | 3.0819% | 2,727 |
| Loan and lease loss provision to assets | 0.2262% | 1,626 |
| Net operating income to assets | 0.8255% | 3,023 |
| Return on assets (ROA) | 0.8991% | 2,809 |
| Pretax return on assets | 1.4344% | 1,759 |
| Return on Equity (ROE) | 6.4005% | 3,824 |
| Retained earnings to average equity (ytd only) | 5.9577% | 2,699 |
| Net charge-offs to loans | 0.6143% | 990 |
| Credit loss provision to net charge-offs | 50.0000% | 2,595 |
| Earnings coverage of net charge-offs (x) | 3.4167% | 2,770 |
| Efficiency ratio | 66.5988% | 4,556 |
| Assets per employee ($millions) | 3.8477% | 4,259 |
| Cash dividends to net income (ytd only)* | 6.9182% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1073% | 1,776 |
| Loan loss allowance to noncurrent loans | 40.1710% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 3.8686% | 1,057 |
| Noncurrent loans to loans | 5.2457% | 716 |
| Net loans and leases to total assets | 72.1764% | 1,322 |
| Net loans and leases to deposits | 85.4087% | 1,426 |
| Net loans and leases to core deposits | 86.8505% | 2,030 |
| Total domestic deposits to total assets | 84.5071% | 4,263 |
| Equity capital to assets | 14.1632% | 973 |
| Core capital (leverage) ratio | 14.0721% | 779 |
| Tier 1 risk-based capital ratio | 22.1965% | 1,294 |
| Total risk-based capital ratio | 23.4612% | 1,266 |
| Memoranda: | ||
| Average total assets | $212,208,000 | 2,959 |
| Average earning assets | $204,475,500 | 2,848 |
| Average equity | $29,810,000 | 2,312 |
| Average total loans | $156,284,500 | 2,509 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4883% | 3,451 |
| Cost of funding earning assets | 0.6838% | 3,624 |
| Net interest margin | 3.8044% | 3,206 |
| Noninterest income to average assets | 1.0279% | 1,458 |
| Noninterest expense to average assets | 2.9893% | 3,315 |
| Loan and lease loss provision to assets | 0.3175% | 2,153 |
| Net operating income to assets | 0.9884% | 2,389 |
| Return on assets (ROA) | 1.3016% | 1,441 |
| Pretax return on assets | 1.8252% | 877 |
| Return on Equity (ROE) | 9.6958% | 2,319 |
| Retained earnings to average equity (ytd only) | 5.8367% | 2,167 |
| Net charge-offs to loans | 0.3849% | 2,713 |
| Credit loss provision to net charge-offs | 118.1507% | 2,434 |
| Earnings coverage of net charge-offs (x) | 6.3322% | 2,827 |
| Efficiency ratio | 63.7273% | 4,937 |
| Assets per employee ($millions) | 3.8689% | 4,234 |
| Cash dividends to net income (ytd only)* | 39.8021% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1771% | 1,589 |
| Loan loss allowance to noncurrent loans | 47.9932% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 3.4936% | 1,300 |
| Noncurrent loans to loans | 4.5363% | 937 |
| Net loans and leases to total assets | 71.9625% | 1,496 |
| Net loans and leases to deposits | 85.7986% | 1,540 |
| Net loans and leases to core deposits | 87.2500% | 2,165 |
| Total domestic deposits to total assets | 83.8738% | 4,372 |
| Equity capital to assets | 13.9325% | 1,079 |
| Core capital (leverage) ratio | 13.8069% | 858 |
| Tier 1 risk-based capital ratio | 21.6672% | 1,327 |
| Total risk-based capital ratio | 22.9329% | 1,301 |
| Memoranda: | ||
| Average total assets | $217,340,200 | 2,865 |
| Average earning assets | $209,257,200 | 2,744 |
| Average equity | $29,177,600 | 2,305 |
| Average total loans | $151,731,800 | 2,546 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5277% | 3,526 |
| Cost of funding earning assets | 0.7373% | 3,462 |
| Net interest margin | 3.7904% | 3,377 |
| Noninterest income to average assets | 0.9813% | 1,556 |
| Noninterest expense to average assets | 2.9085% | 3,560 |
| Loan and lease loss provision to assets | 0.4211% | 1,517 |
| Net operating income to assets | 0.9555% | 2,720 |
| Return on assets (ROA) | 1.3182% | 1,535 |
| Pretax return on assets | 1.7905% | 1,071 |
| Return on Equity (ROE) | 9.9102% | 2,385 |
| Retained earnings to average equity (ytd only) | 4.9826% | 3,374 |
| Net charge-offs to loans | 0.4438% | 2,331 |
| Credit loss provision to net charge-offs | 137.7246% | 2,090 |
| Earnings coverage of net charge-offs (x) | 5.6308% | 2,970 |
| Efficiency ratio | 62.8180% | 5,005 |
| Assets per employee ($millions) | 3.8686% | 4,151 |
| Cash dividends to net income (ytd only)* | 49.7220% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2939% | 1,532 |
| Loan loss allowance to noncurrent loans | 51.2102% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 3.3479% | 1,511 |
| Noncurrent loans to loans | 4.4795% | 1,054 |
| Net loans and leases to total assets | 68.6343% | 2,188 |
| Net loans and leases to deposits | 81.2587% | 2,216 |
| Net loans and leases to core deposits | 82.1389% | 2,946 |
| Total domestic deposits to total assets | 84.4639% | 3,994 |
| Equity capital to assets | 13.5102% | 1,346 |
| Core capital (leverage) ratio | 13.2653% | 1,081 |
| Tier 1 risk-based capital ratio | 21.7961% | 1,367 |
| Total risk-based capital ratio | 23.0609% | 1,338 |
| Memoranda: | ||
| Average total assets | $218,477,750 | 2,869 |
| Average earning assets | $210,313,250 | 2,760 |
| Average equity | $29,060,250 | 2,330 |
| Average total loans | $150,530,500 | 2,597 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5351% | 3,625 |
| Cost of funding earning assets | 0.7802% | 3,363 |
| Net interest margin | 3.7549% | 3,564 |
| Noninterest income to average assets | 0.9749% | 1,530 |
| Noninterest expense to average assets | 2.9175% | 3,553 |
| Loan and lease loss provision to assets | 0.5021% | 1,264 |
| Net operating income to assets | 0.8293% | 3,247 |
| Return on assets (ROA) | 1.2862% | 1,632 |
| Pretax return on assets | 1.8148% | 1,009 |
| Return on Equity (ROE) | 9.7204% | 2,475 |
| Retained earnings to average equity (ytd only) | 9.2168% | 1,205 |
| Net charge-offs to loans | 0.5467% | 1,950 |
| Credit loss provision to net charge-offs | 134.1463% | 2,048 |
| Earnings coverage of net charge-offs (x) | 4.4707% | 3,070 |
| Efficiency ratio | 63.5514% | 4,975 |
| Assets per employee ($millions) | 3.8112% | 4,286 |
| Cash dividends to net income (ytd only)* | 5.1810% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2837% | 1,619 |
| Loan loss allowance to noncurrent loans | 49.6609% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 3.4345% | 1,556 |
| Noncurrent loans to loans | 4.5986% | 1,137 |
| Net loans and leases to total assets | 66.6269% | 2,546 |
| Net loans and leases to deposits | 79.2166% | 2,494 |
| Net loans and leases to core deposits | 80.0585% | 3,214 |
| Total domestic deposits to total assets | 84.1071% | 4,273 |
| Equity capital to assets | 13.3513% | 1,369 |
| Core capital (leverage) ratio | 13.2316% | 1,081 |
| Tier 1 risk-based capital ratio | 21.8895% | 1,319 |
| Total risk-based capital ratio | 23.1556% | 1,291 |
| Memoranda: | ||
| Average total assets | $219,089,000 | 2,879 |
| Average earning assets | $210,975,330 | 2,750 |
| Average equity | $28,990,670 | 2,326 |
| Average total loans | $149,979,670 | 2,616 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5493% | 3,722 |
| Cost of funding earning assets | 0.8271% | 3,261 |
| Net interest margin | 3.7221% | 3,725 |
| Noninterest income to average assets | 0.9335% | 1,618 |
| Noninterest expense to average assets | 2.8536% | 3,810 |
| Loan and lease loss provision to assets | 0.6877% | 770 |
| Net operating income to assets | 0.8058% | 3,353 |
| Return on assets (ROA) | 1.3351% | 1,526 |
| Pretax return on assets | 1.6194% | 1,506 |
| Return on Equity (ROE) | 10.1359% | 2,349 |
| Retained earnings to average equity (ytd only) | 9.6208% | 1,376 |
| Net charge-offs to loans | 0.1176% | 3,410 |
| Credit loss provision to net charge-offs | 852.2727% | 412 |
| Earnings coverage of net charge-offs (x) | 20.5909% | 1,187 |
| Efficiency ratio | 63.2006% | 5,070 |
| Assets per employee ($millions) | 3.7554% | 4,528 |
| Cash dividends to net income (ytd only)* | 5.0824% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4272% | 1,465 |
| Loan loss allowance to noncurrent loans | 42.9331% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 4.1893% | 1,297 |
| Noncurrent loans to loans | 5.6534% | 928 |
| Net loans and leases to total assets | 67.0505% | 2,280 |
| Net loans and leases to deposits | 79.6912% | 2,245 |
| Net loans and leases to core deposits | 80.5478% | 3,004 |
| Total domestic deposits to total assets | 84.1379% | 4,426 |
| Equity capital to assets | 13.3237% | 1,307 |
| Core capital (leverage) ratio | 13.1728% | 1,063 |
| Tier 1 risk-based capital ratio | 21.6085% | 1,360 |
| Total risk-based capital ratio | 22.8768% | 1,332 |
| Memoranda: | ||
| Average total assets | $218,109,000 | 2,914 |
| Average earning assets | $209,879,000 | 2,778 |
| Average equity | $28,729,500 | 2,342 |
| Average total loans | $149,609,500 | 2,640 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0100% | 2,835 |
| Cost of funding earning assets | 1.0492% | 3,024 |
| Net interest margin | 3.9608% | 3,065 |
| Noninterest income to average assets | 0.9575% | 1,482 |
| Noninterest expense to average assets | 3.0517% | 3,384 |
| Loan and lease loss provision to assets | 0.7130% | 1,433 |
| Net operating income to assets | 0.6129% | 3,926 |
| Return on assets (ROA) | 0.7223% | 3,548 |
| Pretax return on assets | 1.1705% | 2,577 |
| Return on Equity (ROE) | 5.6252% | 4,071 |
| Retained earnings to average equity (ytd only) | 3.3174% | 3,864 |
| Net charge-offs to loans | 1.1039% | 1,561 |
| Credit loss provision to net charge-offs | 92.1604% | 3,916 |
| Earnings coverage of net charge-offs (x) | 2.2136% | 4,124 |
| Efficiency ratio | 64.0525% | 5,119 |
| Assets per employee ($millions) | 3.9001% | 4,072 |
| Cash dividends to net income (ytd only)* | 41.0256% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2081% | 1,787 |
| Loan loss allowance to noncurrent loans | 41.6551% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 3.6758% | 1,597 |
| Noncurrent loans to loans | 5.3009% | 1,023 |
| Net loans and leases to total assets | 66.9579% | 2,596 |
| Net loans and leases to deposits | 79.3396% | 2,634 |
| Net loans and leases to core deposits | 80.4478% | 3,398 |
| Total domestic deposits to total assets | 84.3940% | 4,140 |
| Equity capital to assets | 13.0209% | 1,473 |
| Core capital (leverage) ratio | 12.7879% | 1,230 |
| Tier 1 risk-based capital ratio | 21.2388% | 1,372 |
| Total risk-based capital ratio | 22.5043% | 1,344 |
| Memoranda: | ||
| Average total assets | $215,980,600 | 2,884 |
| Average earning assets | $207,584,600 | 2,759 |
| Average equity | $27,732,200 | 2,345 |
| Average total loans | $151,372,600 | 2,625 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0433% | 2,874 |
| Cost of funding earning assets | 1.0907% | 3,040 |
| Net interest margin | 3.9527% | 3,144 |
| Noninterest income to average assets | 0.9100% | 1,611 |
| Noninterest expense to average assets | 3.0272% | 3,453 |
| Loan and lease loss provision to assets | 0.6748% | 1,432 |
| Net operating income to assets | 0.5873% | 4,144 |
| Return on assets (ROA) | 0.6971% | 3,804 |
| Pretax return on assets | 1.1756% | 2,716 |
| Return on Equity (ROE) | 5.4482% | 4,310 |
| Retained earnings to average equity (ytd only) | 2.5209% | 4,854 |
| Net charge-offs to loans | 0.9695% | 1,654 |
| Credit loss provision to net charge-offs | 98.7319% | 3,461 |
| Earnings coverage of net charge-offs (x) | 2.4565% | 3,898 |
| Efficiency ratio | 64.3252% | 5,009 |
| Assets per employee ($millions) | 3.8583% | 4,172 |
| Cash dividends to net income (ytd only)* | 53.7301% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2678% | 1,739 |
| Loan loss allowance to noncurrent loans | 44.5923% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 3.7346% | 1,667 |
| Noncurrent loans to loans | 5.0857% | 1,212 |
| Net loans and leases to total assets | 68.1749% | 2,447 |
| Net loans and leases to deposits | 81.4505% | 2,456 |
| Net loans and leases to core deposits | 82.6085% | 3,242 |
| Total domestic deposits to total assets | 83.7010% | 4,376 |
| Equity capital to assets | 13.0476% | 1,598 |
| Core capital (leverage) ratio | 12.5723% | 1,402 |
| Tier 1 risk-based capital ratio | 20.8602% | 1,483 |
| Total risk-based capital ratio | 22.1272% | 1,453 |
| Memoranda: | ||
| Average total assets | $215,375,000 | 2,897 |
| Average earning assets | $206,842,250 | 2,770 |
| Average equity | $27,555,750 | 2,356 |
| Average total loans | $151,830,750 | 2,636 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9880% | 3,213 |
| Cost of funding earning assets | 1.1409% | 2,966 |
| Net interest margin | 3.8471% | 3,551 |
| Noninterest income to average assets | 0.8878% | 1,682 |
| Noninterest expense to average assets | 2.9691% | 3,762 |
| Loan and lease loss provision to assets | 0.6833% | 1,400 |
| Net operating income to assets | 0.7349% | 3,366 |
| Return on assets (ROA) | 0.8069% | 3,163 |
| Pretax return on assets | 1.0161% | 3,178 |
| Return on Equity (ROE) | 6.3487% | 3,767 |
| Retained earnings to average equity (ytd only) | 5.8587% | 2,513 |
| Net charge-offs to loans | 0.6294% | 2,260 |
| Credit loss provision to net charge-offs | 153.4447% | 1,989 |
| Earnings coverage of net charge-offs (x) | 3.6117% | 3,109 |
| Efficiency ratio | 64.8660% | 5,080 |
| Assets per employee ($millions) | 3.9029% | 3,985 |
| Cash dividends to net income (ytd only)* | 7.7189% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4676% | 1,500 |
| Loan loss allowance to noncurrent loans | 42.6753% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 4.3745% | 1,444 |
| Noncurrent loans to loans | 5.7824% | 1,059 |
| Net loans and leases to total assets | 66.6932% | 2,893 |
| Net loans and leases to deposits | 79.1316% | 2,950 |
| Net loans and leases to core deposits | 80.3406% | 3,735 |
| Total domestic deposits to total assets | 84.2813% | 4,221 |
| Equity capital to assets | 12.9318% | 1,551 |
| Core capital (leverage) ratio | 12.6154% | 1,314 |
| Tier 1 risk-based capital ratio | 20.7276% | 1,473 |
| Total risk-based capital ratio | 21.9963% | 1,442 |
| Memoranda: | ||
| Average total assets | $215,146,000 | 2,909 |
| Average earning assets | $206,335,670 | 2,804 |
| Average equity | $27,344,000 | 2,359 |
| Average total loans | $152,201,670 | 2,656 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0126% | 3,050 |
| Cost of funding earning assets | 1.1876% | 2,898 |
| Net interest margin | 3.8250% | 3,487 |
| Noninterest income to average assets | 0.8452% | 1,865 |
| Noninterest expense to average assets | 3.0697% | 3,388 |
| Loan and lease loss provision to assets | 0.4404% | 2,003 |
| Net operating income to assets | 0.7684% | 3,180 |
| Return on assets (ROA) | 0.7684% | 3,255 |
| Pretax return on assets | 0.9989% | 3,134 |
| Return on Equity (ROE) | 6.1003% | 3,845 |
| Retained earnings to average equity (ytd only) | 5.6093% | 2,847 |
| Net charge-offs to loans | 0.4376% | 2,387 |
| Credit loss provision to net charge-offs | 139.8810% | 2,006 |
| Earnings coverage of net charge-offs (x) | 4.5714% | 2,443 |
| Efficiency ratio | 68.0798% | 4,640 |
| Assets per employee ($millions) | 4.0189% | 3,799 |
| Cash dividends to net income (ytd only)* | 8.0488% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3163% | 1,734 |
| Loan loss allowance to noncurrent loans | 33.4993% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 5.2097% | 1,201 |
| Noncurrent loans to loans | 6.9145% | 814 |
| Net loans and leases to total assets | 67.9948% | 2,550 |
| Net loans and leases to deposits | 80.2498% | 2,673 |
| Net loans and leases to core deposits | 81.4732% | 3,528 |
| Total domestic deposits to total assets | 84.7289% | 4,160 |
| Equity capital to assets | 12.5358% | 1,612 |
| Core capital (leverage) ratio | 12.6059% | 1,280 |
| Tier 1 risk-based capital ratio | 20.0613% | 1,576 |
| Total risk-based capital ratio | 21.3276% | 1,536 |
| Memoranda: | ||
| Average total assets | $213,438,000 | 2,953 |
| Average earning assets | $204,445,500 | 2,844 |
| Average equity | $26,884,000 | 2,388 |
| Average total loans | $153,575,500 | 2,654 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4800% | 2,360 |
| Cost of funding earning assets | 1.6204% | 1,950 |
| Net interest margin | 3.8596% | 3,690 |
| Noninterest income to average assets | 1.0250% | 1,429 |
| Noninterest expense to average assets | 3.2148% | 3,034 |
| Loan and lease loss provision to assets | 0.8301% | 1,982 |
| Net operating income to assets | 0.9051% | 2,363 |
| Return on assets (ROA) | 1.2550% | 1,351 |
| Pretax return on assets | 1.0122% | 2,889 |
| Return on Equity (ROE) | 10.5834% | 1,727 |
| Retained earnings to average equity (ytd only) | 10.0589% | 511 |
| Net charge-offs to loans | 0.6924% | 2,930 |
| Credit loss provision to net charge-offs | 162.7803% | 2,130 |
| Earnings coverage of net charge-offs (x) | 2.9265% | 3,611 |
| Efficiency ratio | 68.2958% | 4,502 |
| Assets per employee ($millions) | 3.8156% | 4,219 |
| Cash dividends to net income (ytd only)* | 4.9563% | 3,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1987% | 1,868 |
| Loan loss allowance to noncurrent loans | 48.7846% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 3.8126% | 1,795 |
| Noncurrent loans to loans | 4.5070% | 1,571 |
| Net loans and leases to total assets | 72.7440% | 1,935 |
| Net loans and leases to deposits | 86.2461% | 2,049 |
| Net loans and leases to core deposits | 87.5996% | 3,106 |
| Total domestic deposits to total assets | 84.3447% | 4,203 |
| Equity capital to assets | 12.6576% | 1,547 |
| Core capital (leverage) ratio | 12.5692% | 1,286 |
| Tier 1 risk-based capital ratio | 19.7285% | 1,546 |
| Total risk-based capital ratio | 20.9942% | 1,511 |
| Memoranda: | ||
| Average total assets | $218,642,000 | 2,886 |
| Average earning assets | $208,595,400 | 2,771 |
| Average equity | $25,927,400 | 2,463 |
| Average total loans | $161,024,600 | 2,606 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5265% | 2,333 |
| Cost of funding earning assets | 1.6974% | 1,891 |
| Net interest margin | 3.8290% | 3,852 |
| Noninterest income to average assets | 1.0191% | 1,417 |
| Noninterest expense to average assets | 3.2023% | 2,922 |
| Loan and lease loss provision to assets | 0.4830% | 3,059 |
| Net operating income to assets | 1.1423% | 1,758 |
| Return on assets (ROA) | 1.4900% | 1,022 |
| Pretax return on assets | 1.3288% | 2,095 |
| Return on Equity (ROE) | 12.7698% | 1,324 |
| Retained earnings to average equity (ytd only) | 12.2368% | 432 |
| Net charge-offs to loans | 0.6796% | 2,725 |
| Credit loss provision to net charge-offs | 96.7352% | 4,482 |
| Earnings coverage of net charge-offs (x) | 2.9323% | 3,667 |
| Efficiency ratio | 68.6247% | 4,348 |
| Assets per employee ($millions) | 3.7342% | 4,423 |
| Cash dividends to net income (ytd only)* | 4.1734% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7112% | 3,120 |
| Loan loss allowance to noncurrent loans | 41.4078% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 3.9366% | 1,785 |
| Noncurrent loans to loans | 4.1326% | 1,784 |
| Net loans and leases to total assets | 71.7636% | 2,303 |
| Net loans and leases to deposits | 85.3385% | 2,458 |
| Net loans and leases to core deposits | 86.6308% | 3,568 |
| Total domestic deposits to total assets | 84.0929% | 4,070 |
| Equity capital to assets | 12.5223% | 1,845 |
| Core capital (leverage) ratio | 12.2285% | 1,550 |
| Tier 1 risk-based capital ratio | 18.9829% | 1,755 |
| Total risk-based capital ratio | 20.2412% | 1,712 |
| Memoranda: | ||
| Average total assets | $220,838,000 | 2,902 |
| Average earning assets | $210,352,750 | 2,787 |
| Average equity | $25,768,500 | 2,515 |
| Average total loans | $162,258,000 | 2,624 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5460% | 2,348 |
| Cost of funding earning assets | 1.7651% | 1,788 |
| Net interest margin | 3.7809% | 3,985 |
| Noninterest income to average assets | 1.0735% | 1,166 |
| Noninterest expense to average assets | 3.1171% | 3,232 |
| Loan and lease loss provision to assets | 0.3599% | 3,548 |
| Net operating income to assets | 0.8801% | 2,620 |
| Return on assets (ROA) | 1.0672% | 2,033 |
| Pretax return on assets | 1.4461% | 1,708 |
| Return on Equity (ROE) | 9.3690% | 2,326 |
| Retained earnings to average equity (ytd only) | 8.8476% | 1,156 |
| Net charge-offs to loans | 0.6673% | 2,543 |
| Credit loss provision to net charge-offs | 73.2601% | 4,883 |
| Earnings coverage of net charge-offs (x) | 3.1612% | 3,425 |
| Efficiency ratio | 66.7437% | 4,831 |
| Assets per employee ($millions) | 3.8812% | 4,030 |
| Cash dividends to net income (ytd only)* | 5.5649% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6042% | 3,427 |
| Loan loss allowance to noncurrent loans | 31.7151% | 6,255 |
| Noncurrent assets plus other real estate owned to assets | 4.9584% | 1,310 |
| Noncurrent loans to loans | 5.0582% | 1,359 |
| Net loans and leases to total assets | 73.0055% | 2,168 |
| Net loans and leases to deposits | 86.3200% | 2,463 |
| Net loans and leases to core deposits | 87.9910% | 3,549 |
| Total domestic deposits to total assets | 84.5754% | 3,833 |
| Equity capital to assets | 11.9582% | 2,122 |
| Core capital (leverage) ratio | 11.4811% | 1,924 |
| Tier 1 risk-based capital ratio | 17.9766% | 1,967 |
| Total risk-based capital ratio | 19.2340% | 1,932 |
| Memoranda: | ||
| Average total assets | $222,256,670 | 2,906 |
| Average earning assets | $211,431,000 | 2,798 |
| Average equity | $25,317,670 | 2,559 |
| Average total loans | $163,633,000 | 2,643 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6033% | 2,135 |
| Cost of funding earning assets | 1.8734% | 1,557 |
| Net interest margin | 3.7299% | 4,097 |
| Noninterest income to average assets | 1.2994% | 714 |
| Noninterest expense to average assets | 3.0083% | 3,649 |
| Loan and lease loss provision to assets | 0.1335% | 5,229 |
| Net operating income to assets | 1.4508% | 981 |
| Return on assets (ROA) | 1.5220% | 926 |
| Pretax return on assets | 1.7818% | 913 |
| Return on Equity (ROE) | 13.6904% | 1,108 |
| Retained earnings to average equity (ytd only) | 13.1780% | 599 |
| Net charge-offs to loans | 0.0849% | 4,575 |
| Credit loss provision to net charge-offs | 214.2857% | 1,738 |
| Earnings coverage of net charge-offs (x) | 29.4000% | 882 |
| Efficiency ratio | 62.1552% | 5,803 |
| Assets per employee ($millions) | 3.9646% | 3,958 |
| Cash dividends to net income (ytd only)* | 3.7427% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6989% | 3,064 |
| Loan loss allowance to noncurrent loans | 21.7286% | 6,922 |
| Noncurrent assets plus other real estate owned to assets | 6.7495% | 820 |
| Noncurrent loans to loans | 7.8187% | 705 |
| Net loans and leases to total assets | 72.2694% | 2,393 |
| Net loans and leases to deposits | 84.9275% | 2,781 |
| Net loans and leases to core deposits | 86.6637% | 3,802 |
| Total domestic deposits to total assets | 85.0954% | 3,619 |
| Equity capital to assets | 11.4919% | 2,370 |
| Core capital (leverage) ratio | 11.0697% | 2,188 |
| Tier 1 risk-based capital ratio | 17.4905% | 2,080 |
| Total risk-based capital ratio | 18.7486% | 2,047 |
| Memoranda: | ||
| Average total assets | $224,711,000 | 2,932 |
| Average earning assets | $213,302,500 | 2,826 |
| Average equity | $24,981,000 | 2,610 |
| Average total loans | $164,818,000 | 2,689 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8226% | 2,563 |
| Cost of funding earning assets | 2.4465% | 1,169 |
| Net interest margin | 3.3761% | 5,463 |
| Noninterest income to average assets | 0.6747% | 3,118 |
| Noninterest expense to average assets | 3.0069% | 4,118 |
| Loan and lease loss provision to assets | 1.0783% | 2,121 |
| Net operating income to assets | -0.4514% | 6,127 |
| Return on assets (ROA) | -0.4527% | 6,128 |
| Pretax return on assets | -0.2058% | 5,710 |
| Return on Equity (ROE) | -4.2032% | 6,132 |
| Retained earnings to average equity (ytd only) | -4.8774% | 6,007 |
| Net charge-offs to loans | 1.7276% | 1,450 |
| Credit loss provision to net charge-offs | 83.6924% | 6,202 |
| Earnings coverage of net charge-offs (x) | 0.6782% | 5,416 |
| Efficiency ratio | 77.4843% | 3,271 |
| Assets per employee ($millions) | 3.7901% | 4,300 |
| Cash dividends to net income (ytd only)* | -16.0377% | 7,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6423% | 3,115 |
| Loan loss allowance to noncurrent loans | 23.6439% | 6,873 |
| Noncurrent assets plus other real estate owned to assets | 6.8055% | 759 |
| Noncurrent loans to loans | 6.9460% | 813 |
| Net loans and leases to total assets | 71.9772% | 2,755 |
| Net loans and leases to deposits | 84.2230% | 3,212 |
| Net loans and leases to core deposits | 107.1408% | 3,198 |
| Total domestic deposits to total assets | 85.4602% | 3,315 |
| Equity capital to assets | 10.7509% | 2,922 |
| Core capital (leverage) ratio | 10.4911% | 2,620 |
| Tier 1 risk-based capital ratio | 16.1037% | 2,473 |
| Total risk-based capital ratio | 17.3614% | 2,404 |
| Memoranda: | ||
| Average total assets | $234,162,800 | 2,775 |
| Average earning assets | $222,359,000 | 2,677 |
| Average equity | $25,218,600 | 2,589 |
| Average total loans | $174,638,600 | 2,579 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8130% | 2,828 |
| Cost of funding earning assets | 2.5401% | 1,178 |
| Net interest margin | 3.2730% | 5,739 |
| Noninterest income to average assets | 0.7219% | 2,874 |
| Noninterest expense to average assets | 2.8554% | 4,641 |
| Loan and lease loss provision to assets | 0.8338% | 2,295 |
| Net operating income to assets | -0.1312% | 5,947 |
| Return on assets (ROA) | -0.1374% | 5,983 |
| Pretax return on assets | 0.1334% | 5,452 |
| Return on Equity (ROE) | -1.2750% | 5,982 |
| Retained earnings to average equity (ytd only) | -1.9938% | 5,725 |
| Net charge-offs to loans | 1.2813% | 1,604 |
| Credit loss provision to net charge-offs | 86.8669% | 5,570 |
| Earnings coverage of net charge-offs (x) | 1.0177% | 5,033 |
| Efficiency ratio | 74.5095% | 3,781 |
| Assets per employee ($millions) | 3.7658% | 4,271 |
| Cash dividends to net income (ytd only)* | -56.3783% | 7,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7697% | 2,384 |
| Loan loss allowance to noncurrent loans | 23.2605% | 6,890 |
| Noncurrent assets plus other real estate owned to assets | 7.2961% | 628 |
| Noncurrent loans to loans | 7.6083% | 668 |
| Net loans and leases to total assets | 72.5385% | 2,908 |
| Net loans and leases to deposits | 85.9338% | 3,328 |
| Net loans and leases to core deposits | 108.1950% | 3,446 |
| Total domestic deposits to total assets | 84.4122% | 3,526 |
| Equity capital to assets | 11.0561% | 2,968 |
| Core capital (leverage) ratio | 10.6207% | 2,694 |
| Tier 1 risk-based capital ratio | 16.3138% | 2,510 |
| Total risk-based capital ratio | 17.5730% | 2,441 |
| Memoranda: | ||
| Average total assets | $235,852,500 | 2,772 |
| Average earning assets | $224,134,000 | 2,686 |
| Average equity | $25,411,250 | 2,593 |
| Average total loans | $176,695,250 | 2,580 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8689% | 2,721 |
| Cost of funding earning assets | 2.6199% | 1,233 |
| Net interest margin | 3.2490% | 5,743 |
| Noninterest income to average assets | 0.7079% | 2,948 |
| Noninterest expense to average assets | 2.8752% | 4,601 |
| Loan and lease loss provision to assets | 0.6936% | 2,349 |
| Net operating income to assets | -0.0309% | 5,899 |
| Return on assets (ROA) | -0.0319% | 5,964 |
| Pretax return on assets | 0.2245% | 5,397 |
| Return on Equity (ROE) | -0.2990% | 5,967 |
| Retained earnings to average equity (ytd only) | -1.0781% | 5,505 |
| Net charge-offs to loans | 1.1918% | 1,535 |
| Credit loss provision to net charge-offs | 77.3196% | 5,272 |
| Earnings coverage of net charge-offs (x) | 1.0253% | 4,764 |
| Efficiency ratio | 75.7643% | 3,734 |
| Assets per employee ($millions) | 3.9376% | 3,797 |
| Cash dividends to net income (ytd only)* | -260.5263% | 8,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7314% | 2,241 |
| Loan loss allowance to noncurrent loans | 23.3393% | 6,948 |
| Noncurrent assets plus other real estate owned to assets | 7.0484% | 596 |
| Noncurrent loans to loans | 7.4183% | 634 |
| Net loans and leases to total assets | 71.6639% | 3,304 |
| Net loans and leases to deposits | 86.7432% | 3,402 |
| Net loans and leases to core deposits | 108.7210% | 3,527 |
| Total domestic deposits to total assets | 82.6161% | 4,415 |
| Equity capital to assets | 10.7592% | 3,154 |
| Core capital (leverage) ratio | 10.5641% | 2,756 |
| Tier 1 risk-based capital ratio | 16.1914% | 2,553 |
| Total risk-based capital ratio | 17.4498% | 2,500 |
| Memoranda: | ||
| Average total assets | $237,899,670 | 2,772 |
| Average earning assets | $226,040,000 | 2,679 |
| Average equity | $25,416,000 | 2,608 |
| Average total loans | $179,050,000 | 2,587 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8967% | 2,815 |
| Cost of funding earning assets | 2.7121% | 1,233 |
| Net interest margin | 3.1847% | 5,905 |
| Noninterest income to average assets | 0.7641% | 2,512 |
| Noninterest expense to average assets | 2.8301% | 4,424 |
| Loan and lease loss provision to assets | 0.5865% | 2,146 |
| Net operating income to assets | -0.0706% | 6,363 |
| Return on assets (ROA) | -0.0771% | 6,492 |
| Pretax return on assets | 0.3636% | 5,505 |
| Return on Equity (ROE) | -0.7240% | 6,501 |
| Retained earnings to average equity (ytd only) | -1.5424% | 6,006 |
| Net charge-offs to loans | 1.0678% | 1,275 |
| Credit loss provision to net charge-offs | 71.8686% | 4,319 |
| Earnings coverage of net charge-offs (x) | 1.1766% | 4,163 |
| Efficiency ratio | 74.6684% | 3,709 |
| Assets per employee ($millions) | 4.1194% | 3,422 |
| Cash dividends to net income (ytd only)* | -113.0435% | 8,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7307% | 2,038 |
| Loan loss allowance to noncurrent loans | 26.5360% | 6,803 |
| Noncurrent assets plus other real estate owned to assets | 6.1387% | 640 |
| Noncurrent loans to loans | 6.5221% | 677 |
| Net loans and leases to total assets | 73.3848% | 2,917 |
| Net loans and leases to deposits | 92.0616% | 2,592 |
| Net loans and leases to core deposits | 116.6985% | 2,722 |
| Total domestic deposits to total assets | 79.7126% | 5,459 |
| Equity capital to assets | 10.6426% | 3,336 |
| Core capital (leverage) ratio | 10.4447% | 2,988 |
| Tier 1 risk-based capital ratio | 15.8430% | 2,744 |
| Total risk-based capital ratio | 17.1015% | 2,683 |
| Memoranda: | ||
| Average total assets | $238,723,000 | 2,780 |
| Average earning assets | $226,838,000 | 2,683 |
| Average equity | $25,414,500 | 2,615 |
| Average total loans | $182,429,500 | 2,560 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3856% | 3,489 |
| Cost of funding earning assets | 3.3633% | 775 |
| Net interest margin | 3.0223% | 6,850 |
| Noninterest income to average assets | 0.7128% | 3,036 |
| Noninterest expense to average assets | 2.6682% | 5,386 |
| Loan and lease loss provision to assets | 0.6244% | 2,335 |
| Net operating income to assets | 0.3497% | 5,353 |
| Return on assets (ROA) | 0.3659% | 5,088 |
| Pretax return on assets | 0.3273% | 5,450 |
| Return on Equity (ROE) | 3.7701% | 4,907 |
| Retained earnings to average equity (ytd only) | 2.5714% | 3,584 |
| Net charge-offs to loans | 0.9097% | 1,366 |
| Credit loss provision to net charge-offs | 83.9852% | 5,806 |
| Earnings coverage of net charge-offs (x) | 1.2585% | 5,502 |
| Efficiency ratio | 74.0377% | 3,567 |
| Assets per employee ($millions) | 3.8471% | 3,863 |
| Cash dividends to net income (ytd only)* | 31.7938% | 4,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7304% | 1,824 |
| Loan loss allowance to noncurrent loans | 25.3119% | 6,993 |
| Noncurrent assets plus other real estate owned to assets | 6.5051% | 425 |
| Noncurrent loans to loans | 6.8362% | 456 |
| Net loans and leases to total assets | 76.8111% | 2,426 |
| Net loans and leases to deposits | 97.4832% | 2,200 |
| Net loans and leases to core deposits | 123.8518% | 2,338 |
| Total domestic deposits to total assets | 78.7941% | 5,451 |
| Equity capital to assets | 10.6495% | 3,346 |
| Core capital (leverage) ratio | 10.5211% | 2,961 |
| Tier 1 risk-based capital ratio | 15.4607% | 2,858 |
| Total risk-based capital ratio | 16.7197% | 2,792 |
| Memoranda: | ||
| Average total assets | $254,475,800 | 2,516 |
| Average earning assets | $243,422,600 | 2,422 |
| Average equity | $24,694,400 | 2,672 |
| Average total loans | $207,987,800 | 2,223 |