Home > Kentucky Farmers Bank Corporation > Performance and Condition Ratios
Kentucky Farmers Bank Corporation, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5136% | 1,136 |
| Cost of funding earning assets | 0.9058% | 3,511 |
| Net interest margin | 4.6078% | 519 |
| Noninterest income to average assets | 0.8500% | 838 |
| Noninterest expense to average assets | 2.8487% | 1,394 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 2.3023% | 301 |
| Return on assets (ROA) | 2.2163% | 320 |
| Pretax return on assets | 2.2163% | 483 |
| Return on Equity (ROE) | 14.9600% | 1,298 |
| Retained earnings to average equity (ytd only) | 11.0559% | 780 |
| Net charge-offs to loans | 0.0413% | 1,492 |
| Credit loss provision to net charge-offs | 222.3881% | 1,147 |
| Earnings coverage of net charge-offs (x) | 97.3134% | 918 |
| Efficiency ratio | 54.7317% | 3,625 |
| Assets per employee ($millions) | 4.0562% | 4,138 |
| Cash dividends to net income (ytd only)* | 26.0884% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 3,214 |
| Loan loss allowance to noncurrent loans | 443.5356% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.1374% | 2,605 |
| Noncurrent loans to loans | 0.2299% | 2,401 |
| Net loans and leases to total assets | 59.1700% | 2,927 |
| Net loans and leases to deposits | 71.3743% | 2,792 |
| Net loans and leases to core deposits | 79.9989% | 2,703 |
| Total domestic deposits to total assets | 82.9000% | 2,917 |
| Equity capital to assets | 16.7713% | 400 |
| Core capital (leverage) ratio | 17.7583% | 355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3952% | 327 |
| Memoranda: | ||
| Average total assets | $276,721,600 | 2,543 |
| Average earning assets | $261,424,400 | 2,513 |
| Average equity | $41,000,800 | 1,853 |
| Average total loans | $162,246,000 | 2,581 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4585% | 1,064 |
| Cost of funding earning assets | 0.8268% | 3,460 |
| Net interest margin | 4.6318% | 507 |
| Noninterest income to average assets | 0.8600% | 834 |
| Noninterest expense to average assets | 2.7567% | 1,529 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 2.4293% | 284 |
| Return on assets (ROA) | 2.4490% | 273 |
| Pretax return on assets | 2.4490% | 405 |
| Return on Equity (ROE) | 17.0900% | 1,062 |
| Retained earnings to average equity (ytd only) | 13.0588% | 806 |
| Net charge-offs to loans | 0.0289% | 1,496 |
| Credit loss provision to net charge-offs | 282.8571% | 921 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 742 |
| Efficiency ratio | 52.6722% | 3,704 |
| Assets per employee ($millions) | 4.1984% | 4,081 |
| Cash dividends to net income (ytd only)* | 23.5895% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 3,315 |
| Loan loss allowance to noncurrent loans | 476.5043% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 2,659 |
| Noncurrent loans to loans | 0.2120% | 2,500 |
| Net loans and leases to total assets | 59.7300% | 2,870 |
| Net loans and leases to deposits | 70.2261% | 2,829 |
| Net loans and leases to core deposits | 78.5631% | 2,711 |
| Total domestic deposits to total assets | 85.0500% | 2,480 |
| Equity capital to assets | 14.5301% | 583 |
| Core capital (leverage) ratio | 17.1893% | 400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1468% | 376 |
| Memoranda: | ||
| Average total assets | $276,946,500 | 2,545 |
| Average earning assets | $261,577,000 | 2,514 |
| Average equity | $39,686,250 | 1,883 |
| Average total loans | $161,587,000 | 2,593 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3683% | 996 |
| Cost of funding earning assets | 0.6968% | 3,496 |
| Net interest margin | 4.6715% | 481 |
| Noninterest income to average assets | 0.8700% | 741 |
| Noninterest expense to average assets | 2.6655% | 1,733 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 2.5412% | 235 |
| Return on assets (ROA) | 2.5735% | 225 |
| Pretax return on assets | 2.5735% | 326 |
| Return on Equity (ROE) | 18.0400% | 950 |
| Retained earnings to average equity (ytd only) | 14.0109% | 675 |
| Net charge-offs to loans | 0.0137% | 1,676 |
| Credit loss provision to net charge-offs | 981.8182% | 420 |
| Earnings coverage of net charge-offs (x) | 331.2727% | 417 |
| Efficiency ratio | 50.4420% | 3,884 |
| Assets per employee ($millions) | 4.5197% | 3,938 |
| Cash dividends to net income (ytd only)* | 22.3401% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 3,245 |
| Loan loss allowance to noncurrent loans | 320.6049% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 2,212 |
| Noncurrent loans to loans | 0.3243% | 1,972 |
| Net loans and leases to total assets | 57.6000% | 2,995 |
| Net loans and leases to deposits | 67.8366% | 2,925 |
| Net loans and leases to core deposits | 73.9605% | 2,889 |
| Total domestic deposits to total assets | 84.9100% | 2,569 |
| Equity capital to assets | 14.7827% | 545 |
| Core capital (leverage) ratio | 16.6942% | 411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7052% | 399 |
| Memoranda: | ||
| Average total assets | $278,297,000 | 2,538 |
| Average earning assets | $263,212,333 | 2,513 |
| Average equity | $39,697,667 | 1,893 |
| Average total loans | $160,563,667 | 2,594 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2724% | 855 |
| Cost of funding earning assets | 0.5058% | 3,667 |
| Net interest margin | 4.7666% | 393 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 2.7721% | 1,504 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 2.2572% | 340 |
| Return on assets (ROA) | 2.3178% | 312 |
| Pretax return on assets | 2.3178% | 468 |
| Return on Equity (ROE) | 16.5500% | 1,252 |
| Retained earnings to average equity (ytd only) | 12.4322% | 1,190 |
| Net charge-offs to loans | 0.2109% | 343 |
| Credit loss provision to net charge-offs | 211.9048% | 804 |
| Earnings coverage of net charge-offs (x) | 20.7500% | 1,441 |
| Efficiency ratio | 52.4420% | 3,743 |
| Assets per employee ($millions) | 4.5612% | 3,982 |
| Cash dividends to net income (ytd only)* | 24.8911% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 3,395 |
| Loan loss allowance to noncurrent loans | 424.3108% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 2,470 |
| Noncurrent loans to loans | 0.2423% | 2,286 |
| Net loans and leases to total assets | 56.7100% | 2,985 |
| Net loans and leases to deposits | 66.2967% | 2,909 |
| Net loans and leases to core deposits | 69.2144% | 3,008 |
| Total domestic deposits to total assets | 85.5400% | 2,710 |
| Equity capital to assets | 14.2128% | 571 |
| Core capital (leverage) ratio | 16.7764% | 409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1666% | 427 |
| Memoranda: | ||
| Average total assets | $277,335,500 | 2,572 |
| Average earning assets | $260,983,500 | 2,555 |
| Average equity | $38,834,500 | 1,935 |
| Average total loans | $159,297,000 | 2,626 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4004% | 884 |
| Cost of funding earning assets | 0.2151% | 3,631 |
| Net interest margin | 4.1853% | 557 |
| Noninterest income to average assets | 0.9300% | 743 |
| Noninterest expense to average assets | 2.5904% | 1,852 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 2.2562% | 195 |
| Return on assets (ROA) | 1.6738% | 542 |
| Pretax return on assets | 1.6738% | 983 |
| Return on Equity (ROE) | 11.4500% | 2,321 |
| Retained earnings to average equity (ytd only) | 1.0693% | 4,183 |
| Net charge-offs to loans | 0.0660% | 987 |
| Credit loss provision to net charge-offs | 136.4583% | 1,362 |
| Earnings coverage of net charge-offs (x) | 63.3125% | 1,214 |
| Efficiency ratio | 52.9056% | 3,895 |
| Assets per employee ($millions) | 4.2431% | 4,176 |
| Cash dividends to net income (ytd only)* | 90.6618% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6216% | 4,317 |
| Loan loss allowance to noncurrent loans | 208.4967% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 2,347 |
| Noncurrent loans to loans | 0.2981% | 2,070 |
| Net loans and leases to total assets | 57.2300% | 2,893 |
| Net loans and leases to deposits | 66.5834% | 2,848 |
| Net loans and leases to core deposits | 69.5484% | 2,910 |
| Total domestic deposits to total assets | 85.9600% | 2,736 |
| Equity capital to assets | 13.7769% | 596 |
| Core capital (leverage) ratio | 16.7477% | 399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3142% | 400 |
| Memoranda: | ||
| Average total assets | $263,590,400 | 2,642 |
| Average earning assets | $249,633,600 | 2,618 |
| Average equity | $38,531,400 | 1,974 |
| Average total loans | $145,483,000 | 2,675 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2466% | 810 |
| Cost of funding earning assets | 0.1820% | 3,493 |
| Net interest margin | 4.0645% | 554 |
| Noninterest income to average assets | 0.9300% | 770 |
| Noninterest expense to average assets | 2.5640% | 1,813 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 2.1675% | 219 |
| Return on assets (ROA) | 2.1168% | 236 |
| Pretax return on assets | 2.1168% | 366 |
| Return on Equity (ROE) | 14.2700% | 1,357 |
| Retained earnings to average equity (ytd only) | 1.9508% | 4,042 |
| Net charge-offs to loans | 0.0567% | 917 |
| Credit loss provision to net charge-offs | 163.9344% | 1,083 |
| Earnings coverage of net charge-offs (x) | 71.6393% | 1,097 |
| Efficiency ratio | 53.6143% | 3,852 |
| Assets per employee ($millions) | 4.1693% | 4,245 |
| Cash dividends to net income (ytd only)* | 86.3309% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6515% | 4,328 |
| Loan loss allowance to noncurrent loans | 346.9314% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 2,913 |
| Noncurrent loans to loans | 0.1878% | 2,651 |
| Net loans and leases to total assets | 55.7900% | 2,919 |
| Net loans and leases to deposits | 64.2124% | 2,854 |
| Net loans and leases to core deposits | 67.3649% | 2,851 |
| Total domestic deposits to total assets | 86.8900% | 2,799 |
| Equity capital to assets | 12.8030% | 711 |
| Core capital (leverage) ratio | 16.6993% | 395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8854% | 387 |
| Memoranda: | ||
| Average total assets | $262,658,750 | 2,666 |
| Average earning assets | $249,011,500 | 2,636 |
| Average equity | $38,957,250 | 1,985 |
| Average total loans | $143,366,000 | 2,704 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 880 |
| Cost of funding earning assets | 0.1762% | 3,228 |
| Net interest margin | 3.8619% | 662 |
| Noninterest income to average assets | 0.9274% | 792 |
| Noninterest expense to average assets | 2.4245% | 2,157 |
| Loan and lease loss provision to assets | 0.0434% | 1,786 |
| Net operating income to assets | 2.1321% | 179 |
| Return on assets (ROA) | 2.0864% | 189 |
| Pretax return on assets | 2.0864% | 307 |
| Return on Equity (ROE) | 13.4534% | 1,253 |
| Retained earnings to average equity (ytd only) | -2.2586% | 4,401 |
| Net charge-offs to loans | 0.0578% | 820 |
| Credit loss provision to net charge-offs | 139.0244% | 1,124 |
| Earnings coverage of net charge-offs (x) | 69.6829% | 1,008 |
| Efficiency ratio | 52.7065% | 4,073 |
| Assets per employee ($millions) | 4.1366% | 4,297 |
| Cash dividends to net income (ytd only)* | 116.7883% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6491% | 4,413 |
| Loan loss allowance to noncurrent loans | 526.9663% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 3,294 |
| Noncurrent loans to loans | 0.1232% | 3,108 |
| Net loans and leases to total assets | 55.0889% | 2,844 |
| Net loans and leases to deposits | 64.1235% | 2,711 |
| Net loans and leases to core deposits | 67.1399% | 2,726 |
| Total domestic deposits to total assets | 85.9106% | 3,272 |
| Equity capital to assets | 13.7901% | 549 |
| Core capital (leverage) ratio | 16.4400% | 355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6892% | 332 |
| Memoranda: | ||
| Average total assets | $262,657,000 | 2,692 |
| Average earning assets | $249,770,667 | 2,673 |
| Average equity | $40,733,333 | 1,966 |
| Average total loans | $141,986,667 | 2,733 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9214% | 890 |
| Cost of funding earning assets | 0.1702% | 3,218 |
| Net interest margin | 3.7512% | 688 |
| Noninterest income to average assets | 0.8237% | 985 |
| Noninterest expense to average assets | 2.5774% | 1,669 |
| Loan and lease loss provision to assets | -0.0030% | 4,399 |
| Net operating income to assets | 1.8264% | 310 |
| Return on assets (ROA) | 1.7764% | 346 |
| Pretax return on assets | 1.7764% | 575 |
| Return on Equity (ROE) | 10.8098% | 1,677 |
| Retained earnings to average equity (ytd only) | -18.7302% | 4,686 |
| Net charge-offs to loans | 0.0625% | 697 |
| Credit loss provision to net charge-offs | -9.0909% | 2,749 |
| Earnings coverage of net charge-offs (x) | 54.6364% | 888 |
| Efficiency ratio | 58.5660% | 3,624 |
| Assets per employee ($millions) | 4.2048% | 4,306 |
| Cash dividends to net income (ytd only)* | 273.2707% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6428% | 4,469 |
| Loan loss allowance to noncurrent loans | 238.8298% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 2,769 |
| Noncurrent loans to loans | 0.2691% | 2,509 |
| Net loans and leases to total assets | 54.1172% | 2,743 |
| Net loans and leases to deposits | 64.1463% | 2,515 |
| Net loans and leases to core deposits | 67.7889% | 2,472 |
| Total domestic deposits to total assets | 84.3654% | 3,684 |
| Equity capital to assets | 15.3504% | 361 |
| Core capital (leverage) ratio | 16.1542% | 331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7597% | 343 |
| Memoranda: | ||
| Average total assets | $263,681,500 | 2,699 |
| Average earning assets | $251,438,500 | 2,676 |
| Average equity | $43,331,000 | 1,944 |
| Average total loans | $140,728,000 | 2,744 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4489% | 652 |
| Cost of funding earning assets | 0.2104% | 3,362 |
| Net interest margin | 4.2385% | 459 |
| Noninterest income to average assets | 0.9406% | 1,113 |
| Noninterest expense to average assets | 2.4210% | 2,421 |
| Loan and lease loss provision to assets | -0.0262% | 4,253 |
| Net operating income to assets | 2.5609% | 150 |
| Return on assets (ROA) | 2.4788% | 168 |
| Pretax return on assets | 2.4788% | 267 |
| Return on Equity (ROE) | 14.1828% | 1,133 |
| Retained earnings to average equity (ytd only) | 11.5359% | 610 |
| Net charge-offs to loans | -0.0205% | 3,990 |
| Credit loss provision to net charge-offs | 251.8519% | 1,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8526% | 4,358 |
| Assets per employee ($millions) | 4.4405% | 4,158 |
| Cash dividends to net income (ytd only)* | 18.6625% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6504% | 4,493 |
| Loan loss allowance to noncurrent loans | 526.8571% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 3,489 |
| Noncurrent loans to loans | 0.1235% | 3,312 |
| Net loans and leases to total assets | 51.9914% | 3,067 |
| Net loans and leases to deposits | 63.0944% | 2,775 |
| Net loans and leases to core deposits | 65.1704% | 2,888 |
| Total domestic deposits to total assets | 82.4025% | 3,905 |
| Equity capital to assets | 17.4583% | 277 |
| Core capital (leverage) ratio | 16.4992% | 323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9683% | 309 |
| Memoranda: | ||
| Average total assets | $259,400,600 | 2,663 |
| Average earning assets | $245,723,200 | 2,646 |
| Average equity | $45,336,600 | 1,911 |
| Average total loans | $131,962,200 | 2,831 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5837% | 587 |
| Cost of funding earning assets | 0.2199% | 3,425 |
| Net interest margin | 4.3637% | 393 |
| Noninterest income to average assets | 0.9631% | 1,128 |
| Noninterest expense to average assets | 2.3778% | 2,510 |
| Loan and lease loss provision to assets | -0.0183% | 4,349 |
| Net operating income to assets | 2.7281% | 164 |
| Return on assets (ROA) | 2.6891% | 178 |
| Pretax return on assets | 2.6891% | 256 |
| Return on Equity (ROE) | 15.3818% | 1,064 |
| Retained earnings to average equity (ytd only) | 13.0035% | 638 |
| Net charge-offs to loans | -0.0422% | 4,276 |
| Credit loss provision to net charge-offs | 85.3659% | 1,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7361% | 4,461 |
| Assets per employee ($millions) | 4.4569% | 4,154 |
| Cash dividends to net income (ytd only)* | 15.4619% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7045% | 4,494 |
| Loan loss allowance to noncurrent loans | 446.5438% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 3,543 |
| Noncurrent loans to loans | 0.1578% | 3,338 |
| Net loans and leases to total assets | 50.2372% | 3,391 |
| Net loans and leases to deposits | 60.7764% | 3,160 |
| Net loans and leases to core deposits | 62.7607% | 3,242 |
| Total domestic deposits to total assets | 82.6591% | 3,786 |
| Equity capital to assets | 17.2567% | 326 |
| Core capital (leverage) ratio | 16.1554% | 380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0874% | 371 |
| Memoranda: | ||
| Average total assets | $256,533,750 | 2,703 |
| Average earning assets | $242,476,750 | 2,683 |
| Average equity | $44,848,500 | 1,950 |
| Average total loans | $129,515,250 | 2,897 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4004% | 849 |
| Cost of funding earning assets | 0.2367% | 3,412 |
| Net interest margin | 4.1637% | 622 |
| Noninterest income to average assets | 1.0023% | 1,065 |
| Noninterest expense to average assets | 2.3475% | 2,624 |
| Loan and lease loss provision to assets | -0.0024% | 4,384 |
| Net operating income to assets | 2.5893% | 197 |
| Return on assets (ROA) | 2.5702% | 215 |
| Pretax return on assets | 2.5702% | 316 |
| Return on Equity (ROE) | 14.6334% | 1,254 |
| Retained earnings to average equity (ytd only) | 12.8218% | 758 |
| Net charge-offs to loans | -0.0646% | 4,466 |
| Credit loss provision to net charge-offs | 7.3171% | 1,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5738% | 4,417 |
| Assets per employee ($millions) | 4.3235% | 4,242 |
| Cash dividends to net income (ytd only)* | 12.3801% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7674% | 4,424 |
| Loan loss allowance to noncurrent loans | 199.4024% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 2,890 |
| Noncurrent loans to loans | 0.3849% | 2,523 |
| Net loans and leases to total assets | 49.0786% | 3,640 |
| Net loans and leases to deposits | 59.4818% | 3,432 |
| Net loans and leases to core deposits | 60.8701% | 3,552 |
| Total domestic deposits to total assets | 82.5103% | 3,818 |
| Equity capital to assets | 17.4192% | 303 |
| Core capital (leverage) ratio | 16.6834% | 323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2176% | 292 |
| Memoranda: | ||
| Average total assets | $251,421,000 | 2,732 |
| Average earning assets | $237,430,333 | 2,705 |
| Average equity | $44,159,333 | 1,964 |
| Average total loans | $126,837,000 | 2,936 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3447% | 973 |
| Cost of funding earning assets | 0.2500% | 3,475 |
| Net interest margin | 4.0947% | 725 |
| Noninterest income to average assets | 0.8970% | 1,335 |
| Noninterest expense to average assets | 2.6861% | 1,650 |
| Loan and lease loss provision to assets | -0.1093% | 4,728 |
| Net operating income to assets | 2.1935% | 425 |
| Return on assets (ROA) | 2.1674% | 477 |
| Pretax return on assets | 2.1674% | 722 |
| Return on Equity (ROE) | 12.2859% | 1,912 |
| Retained earnings to average equity (ytd only) | 12.2859% | 1,079 |
| Net charge-offs to loans | -0.1216% | 4,690 |
| Credit loss provision to net charge-offs | 176.3158% | 932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3077% | 3,512 |
| Assets per employee ($millions) | 4.3673% | 4,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7417% | 4,501 |
| Loan loss allowance to noncurrent loans | 126.5583% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 2,258 |
| Noncurrent loans to loans | 0.5860% | 2,106 |
| Net loans and leases to total assets | 49.3462% | 3,682 |
| Net loans and leases to deposits | 59.6218% | 3,510 |
| Net loans and leases to core deposits | 61.0657% | 3,638 |
| Total domestic deposits to total assets | 82.7654% | 3,747 |
| Equity capital to assets | 17.1908% | 294 |
| Core capital (leverage) ratio | 16.8746% | 317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2086% | 318 |
| Memoranda: | ||
| Average total assets | $245,265,500 | 2,756 |
| Average earning assets | $232,007,000 | 2,729 |
| Average equity | $43,269,000 | 1,974 |
| Average total loans | $125,037,000 | 2,964 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8648% | 643 |
| Cost of funding earning assets | 0.3336% | 3,960 |
| Net interest margin | 4.5312% | 312 |
| Noninterest income to average assets | 1.2010% | 774 |
| Noninterest expense to average assets | 3.2661% | 947 |
| Loan and lease loss provision to assets | 0.0826% | 3,347 |
| Net operating income to assets | 2.1261% | 206 |
| Return on assets (ROA) | 2.1044% | 233 |
| Pretax return on assets | 2.1044% | 360 |
| Return on Equity (ROE) | 10.1857% | 1,939 |
| Retained earnings to average equity (ytd only) | -10.7932% | 4,918 |
| Net charge-offs to loans | 0.0806% | 1,667 |
| Credit loss provision to net charge-offs | 194.6809% | 2,184 |
| Earnings coverage of net charge-offs (x) | 52.0426% | 1,162 |
| Efficiency ratio | 59.6569% | 3,498 |
| Assets per employee ($millions) | 3.8262% | 4,486 |
| Cash dividends to net income (ytd only)* | 205.9644% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7757% | 4,474 |
| Loan loss allowance to noncurrent loans | 125.2276% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.4430% | 2,254 |
| Noncurrent loans to loans | 0.6194% | 2,145 |
| Net loans and leases to total assets | 51.9254% | 3,669 |
| Net loans and leases to deposits | 63.5983% | 3,468 |
| Net loans and leases to core deposits | 65.4546% | 3,587 |
| Total domestic deposits to total assets | 81.6458% | 3,739 |
| Equity capital to assets | 18.1231% | 265 |
| Core capital (leverage) ratio | 17.0648% | 308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6234% | 331 |
| Memoranda: | ||
| Average total assets | $221,486,400 | 2,784 |
| Average earning assets | $208,906,800 | 2,754 |
| Average equity | $45,760,200 | 1,819 |
| Average total loans | $116,616,000 | 3,018 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8490% | 805 |
| Cost of funding earning assets | 0.3531% | 4,043 |
| Net interest margin | 4.4959% | 380 |
| Noninterest income to average assets | 1.1546% | 788 |
| Noninterest expense to average assets | 3.3407% | 852 |
| Loan and lease loss provision to assets | 0.0809% | 3,298 |
| Net operating income to assets | 1.9783% | 314 |
| Return on assets (ROA) | 1.9134% | 394 |
| Pretax return on assets | 1.9134% | 611 |
| Return on Equity (ROE) | 8.9610% | 2,409 |
| Retained earnings to average equity (ytd only) | 5.5167% | 2,317 |
| Net charge-offs to loans | 0.0895% | 1,412 |
| Credit loss provision to net charge-offs | 171.4286% | 2,226 |
| Earnings coverage of net charge-offs (x) | 43.6364% | 1,292 |
| Efficiency ratio | 61.8658% | 3,099 |
| Assets per employee ($millions) | 3.7395% | 4,526 |
| Cash dividends to net income (ytd only)* | 38.4369% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7417% | 4,500 |
| Loan loss allowance to noncurrent loans | 85.7011% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.5848% | 1,972 |
| Noncurrent loans to loans | 0.8654% | 1,717 |
| Net loans and leases to total assets | 54.5024% | 3,755 |
| Net loans and leases to deposits | 69.7078% | 3,335 |
| Net loans and leases to core deposits | 71.7863% | 3,491 |
| Total domestic deposits to total assets | 78.1869% | 4,169 |
| Equity capital to assets | 21.5943% | 155 |
| Core capital (leverage) ratio | 20.3185% | 188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9216% | 225 |
| Memoranda: | ||
| Average total assets | $217,551,250 | 2,797 |
| Average earning assets | $205,425,250 | 2,764 |
| Average equity | $46,452,000 | 1,795 |
| Average total loans | $114,734,000 | 3,047 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0173% | 800 |
| Cost of funding earning assets | 0.3761% | 4,145 |
| Net interest margin | 4.6412% | 387 |
| Noninterest income to average assets | 0.8961% | 1,178 |
| Noninterest expense to average assets | 3.6079% | 645 |
| Loan and lease loss provision to assets | 0.1093% | 2,917 |
| Net operating income to assets | 1.5605% | 827 |
| Return on assets (ROA) | 1.7418% | 621 |
| Pretax return on assets | 1.7418% | 909 |
| Return on Equity (ROE) | 8.1905% | 2,669 |
| Retained earnings to average equity (ytd only) | 4.6752% | 2,621 |
| Net charge-offs to loans | 0.1187% | 1,136 |
| Credit loss provision to net charge-offs | 177.2727% | 2,005 |
| Earnings coverage of net charge-offs (x) | 27.0758% | 1,499 |
| Efficiency ratio | 68.3605% | 2,192 |
| Assets per employee ($millions) | 3.6829% | 4,564 |
| Cash dividends to net income (ytd only)* | 42.9185% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7618% | 4,433 |
| Loan loss allowance to noncurrent loans | 76.7635% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 1,896 |
| Noncurrent loans to loans | 0.9924% | 1,562 |
| Net loans and leases to total assets | 52.7689% | 3,971 |
| Net loans and leases to deposits | 66.7999% | 3,659 |
| Net loans and leases to core deposits | 68.6656% | 3,821 |
| Total domestic deposits to total assets | 78.9954% | 4,039 |
| Equity capital to assets | 20.8456% | 181 |
| Core capital (leverage) ratio | 20.4400% | 191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5922% | 232 |
| Memoranda: | ||
| Average total assets | $214,031,333 | 2,799 |
| Average earning assets | $202,061,000 | 2,763 |
| Average equity | $45,516,333 | 1,808 |
| Average total loans | $111,227,000 | 3,086 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0926% | 807 |
| Cost of funding earning assets | 0.4104% | 4,327 |
| Net interest margin | 4.6822% | 347 |
| Noninterest income to average assets | 0.9803% | 896 |
| Noninterest expense to average assets | 3.7549% | 658 |
| Loan and lease loss provision to assets | 0.2262% | 1,370 |
| Net operating income to assets | 1.4115% | 953 |
| Return on assets (ROA) | 1.2626% | 1,444 |
| Pretax return on assets | 1.2626% | 1,985 |
| Return on Equity (ROE) | 5.8730% | 3,365 |
| Retained earnings to average equity (ytd only) | 2.2754% | 3,341 |
| Net charge-offs to loans | 0.1244% | 963 |
| Credit loss provision to net charge-offs | 354.5455% | 1,073 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 1,279 |
| Efficiency ratio | 69.6307% | 2,408 |
| Assets per employee ($millions) | 3.1647% | 4,709 |
| Cash dividends to net income (ytd only)* | 61.2557% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8926% | 4,138 |
| Loan loss allowance to noncurrent loans | 52.7243% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.0384% | 1,267 |
| Noncurrent loans to loans | 1.6929% | 896 |
| Net loans and leases to total assets | 51.7119% | 4,134 |
| Net loans and leases to deposits | 65.6810% | 3,885 |
| Net loans and leases to core deposits | 67.8313% | 3,997 |
| Total domestic deposits to total assets | 78.7320% | 4,102 |
| Equity capital to assets | 21.1625% | 195 |
| Core capital (leverage) ratio | 21.4749% | 187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.2453% | 244 |
| Memoranda: | ||
| Average total assets | $206,876,500 | 2,817 |
| Average earning assets | $194,950,000 | 2,786 |
| Average equity | $44,475,000 | 1,828 |
| Average total loans | $106,131,500 | 3,141 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9669% | 1,563 |
| Cost of funding earning assets | 0.4233% | 4,369 |
| Net interest margin | 4.5436% | 663 |
| Noninterest income to average assets | 0.9590% | 1,060 |
| Noninterest expense to average assets | 3.3456% | 1,217 |
| Loan and lease loss provision to assets | 0.0842% | 2,323 |
| Net operating income to assets | 1.8374% | 492 |
| Return on assets (ROA) | 1.7254% | 665 |
| Pretax return on assets | 1.7254% | 1,124 |
| Return on Equity (ROE) | 7.4062% | 3,403 |
| Retained earnings to average equity (ytd only) | 3.7934% | 3,080 |
| Net charge-offs to loans | 0.1400% | 1,391 |
| Credit loss provision to net charge-offs | 126.9841% | 2,005 |
| Earnings coverage of net charge-offs (x) | 28.9921% | 1,614 |
| Efficiency ratio | 63.5174% | 3,140 |
| Assets per employee ($millions) | 3.3024% | 4,638 |
| Cash dividends to net income (ytd only)* | 48.7805% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 4,206 |
| Loan loss allowance to noncurrent loans | 22.4218% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 2.1557% | 350 |
| Noncurrent loans to loans | 3.7148% | 211 |
| Net loans and leases to total assets | 50.0159% | 4,325 |
| Net loans and leases to deposits | 64.1933% | 4,063 |
| Net loans and leases to core deposits | 66.2862% | 4,176 |
| Total domestic deposits to total assets | 77.9144% | 4,375 |
| Equity capital to assets | 21.8303% | 187 |
| Core capital (leverage) ratio | 20.8457% | 204 |
| Tier 1 risk-based capital ratio | 32.2543% | 412 |
| Total risk-based capital ratio | 32.8982% | 422 |
| Memoranda: | ||
| Average total assets | $190,103,000 | 2,917 |
| Average earning assets | $180,252,400 | 2,886 |
| Average equity | $44,287,000 | 1,779 |
| Average total loans | $90,020,600 | 3,396 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9300% | 1,729 |
| Cost of funding earning assets | 0.4054% | 4,485 |
| Net interest margin | 4.5246% | 728 |
| Noninterest income to average assets | 0.9381% | 1,069 |
| Noninterest expense to average assets | 3.2446% | 1,381 |
| Loan and lease loss provision to assets | 0.0417% | 3,069 |
| Net operating income to assets | 1.9488% | 439 |
| Return on assets (ROA) | 1.7362% | 734 |
| Pretax return on assets | 1.7362% | 1,233 |
| Return on Equity (ROE) | 7.3234% | 3,576 |
| Retained earnings to average equity (ytd only) | 3.6874% | 3,554 |
| Net charge-offs to loans | 0.0989% | 1,484 |
| Credit loss provision to net charge-offs | 90.6250% | 2,388 |
| Earnings coverage of net charge-offs (x) | 43.2974% | 1,296 |
| Efficiency ratio | 61.9786% | 3,328 |
| Assets per employee ($millions) | 3.2861% | 4,680 |
| Cash dividends to net income (ytd only)* | 49.6483% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9452% | 3,848 |
| Loan loss allowance to noncurrent loans | 70.7131% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 1,685 |
| Noncurrent loans to loans | 1.3366% | 1,147 |
| Net loans and leases to total assets | 46.6078% | 4,570 |
| Net loans and leases to deposits | 61.7191% | 4,306 |
| Net loans and leases to core deposits | 63.6323% | 4,392 |
| Total domestic deposits to total assets | 75.5160% | 4,694 |
| Equity capital to assets | 24.2176% | 138 |
| Core capital (leverage) ratio | 23.6561% | 143 |
| Tier 1 risk-based capital ratio | 34.7304% | 351 |
| Total risk-based capital ratio | 35.3935% | 365 |
| Memoranda: | ||
| Average total assets | $185,616,250 | 2,988 |
| Average earning assets | $176,277,500 | 2,946 |
| Average equity | $44,004,250 | 1,798 |
| Average total loans | $86,292,750 | 3,517 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9369% | 1,647 |
| Cost of funding earning assets | 0.3935% | 4,538 |
| Net interest margin | 4.5434% | 699 |
| Noninterest income to average assets | 0.8862% | 1,105 |
| Noninterest expense to average assets | 3.2596% | 1,361 |
| Loan and lease loss provision to assets | 0.0378% | 3,055 |
| Net operating income to assets | 1.9065% | 473 |
| Return on assets (ROA) | 1.6255% | 895 |
| Pretax return on assets | 1.6255% | 1,466 |
| Return on Equity (ROE) | 6.9067% | 3,712 |
| Retained earnings to average equity (ytd only) | 3.2329% | 3,608 |
| Net charge-offs to loans | 0.0233% | 2,379 |
| Credit loss provision to net charge-offs | 350.0000% | 804 |
| Earnings coverage of net charge-offs (x) | 179.9000% | 423 |
| Efficiency ratio | 62.6376% | 3,335 |
| Assets per employee ($millions) | 3.3928% | 4,615 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 3,658 |
| Loan loss allowance to noncurrent loans | 85.9841% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.7805% | 1,785 |
| Noncurrent loans to loans | 1.1567% | 1,396 |
| Net loans and leases to total assets | 45.3201% | 4,668 |
| Net loans and leases to deposits | 59.4183% | 4,459 |
| Net loans and leases to core deposits | 61.2166% | 4,528 |
| Total domestic deposits to total assets | 76.2731% | 4,640 |
| Equity capital to assets | 23.5380% | 150 |
| Core capital (leverage) ratio | 23.1128% | 149 |
| Tier 1 risk-based capital ratio | 34.1083% | 361 |
| Total risk-based capital ratio | 34.7926% | 367 |
| Memoranda: | ||
| Average total assets | $185,051,670 | 3,003 |
| Average earning assets | $175,858,000 | 2,962 |
| Average equity | $43,551,670 | 1,810 |
| Average total loans | $85,679,000 | 3,556 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0462% | 1,222 |
| Cost of funding earning assets | 0.3830% | 4,561 |
| Net interest margin | 4.6631% | 537 |
| Noninterest income to average assets | 0.8369% | 1,197 |
| Noninterest expense to average assets | 3.1614% | 1,594 |
| Loan and lease loss provision to assets | 0.1227% | 1,429 |
| Net operating income to assets | 1.9805% | 399 |
| Return on assets (ROA) | 1.6979% | 756 |
| Pretax return on assets | 1.6979% | 1,213 |
| Return on Equity (ROE) | 7.2148% | 3,587 |
| Retained earnings to average equity (ytd only) | 3.4911% | 3,518 |
| Net charge-offs to loans | 0.1741% | 784 |
| Credit loss provision to net charge-offs | 151.3514% | 1,227 |
| Earnings coverage of net charge-offs (x) | 25.9459% | 1,414 |
| Efficiency ratio | 60.0499% | 3,797 |
| Assets per employee ($millions) | 3.3954% | 4,662 |
| Cash dividends to net income (ytd only)* | 51.6129% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 3,773 |
| Loan loss allowance to noncurrent loans | 117.0300% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.6870% | 2,040 |
| Noncurrent loans to loans | 0.8455% | 1,943 |
| Net loans and leases to total assets | 46.0283% | 4,669 |
| Net loans and leases to deposits | 60.0724% | 4,407 |
| Net loans and leases to core deposits | 61.7707% | 4,496 |
| Total domestic deposits to total assets | 76.6214% | 4,692 |
| Equity capital to assets | 23.2677% | 138 |
| Core capital (leverage) ratio | 23.5354% | 140 |
| Tier 1 risk-based capital ratio | 33.1492% | 379 |
| Total risk-based capital ratio | 33.8147% | 392 |
| Memoranda: | ||
| Average total assets | $182,580,000 | 3,062 |
| Average earning assets | $173,359,500 | 3,020 |
| Average equity | $42,967,000 | 1,820 |
| Average total loans | $85,033,000 | 3,596 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8743% | 1,355 |
| Cost of funding earning assets | 0.2624% | 4,743 |
| Net interest margin | 4.6119% | 592 |
| Noninterest income to average assets | 0.9526% | 1,057 |
| Noninterest expense to average assets | 3.3211% | 1,270 |
| Loan and lease loss provision to assets | 0.0323% | 3,541 |
| Net operating income to assets | 1.9642% | 386 |
| Return on assets (ROA) | 1.6920% | 702 |
| Pretax return on assets | 1.6920% | 1,188 |
| Return on Equity (ROE) | 7.1360% | 3,778 |
| Retained earnings to average equity (ytd only) | 3.3097% | 3,757 |
| Net charge-offs to loans | 0.1307% | 1,445 |
| Credit loss provision to net charge-offs | 56.4356% | 3,133 |
| Earnings coverage of net charge-offs (x) | 34.8614% | 1,455 |
| Efficiency ratio | 62.4547% | 3,443 |
| Assets per employee ($millions) | 3.1859% | 4,851 |
| Cash dividends to net income (ytd only)* | 53.6193% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 3,625 |
| Loan loss allowance to noncurrent loans | 87.1369% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.8054% | 1,732 |
| Noncurrent loans to loans | 1.1580% | 1,390 |
| Net loans and leases to total assets | 46.1908% | 4,730 |
| Net loans and leases to deposits | 60.8484% | 4,438 |
| Net loans and leases to core deposits | 61.9070% | 4,543 |
| Total domestic deposits to total assets | 75.9114% | 4,764 |
| Equity capital to assets | 23.8112% | 130 |
| Core capital (leverage) ratio | 24.3574% | 124 |
| Tier 1 risk-based capital ratio | 32.4596% | 386 |
| Total risk-based capital ratio | 33.1025% | 395 |
| Memoranda: | ||
| Average total assets | $176,354,800 | 3,094 |
| Average earning assets | $166,917,600 | 3,055 |
| Average equity | $41,816,000 | 1,788 |
| Average total loans | $77,300,000 | 3,720 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8008% | 1,426 |
| Cost of funding earning assets | 0.2582% | 4,740 |
| Net interest margin | 4.5427% | 681 |
| Noninterest income to average assets | 0.9023% | 1,192 |
| Noninterest expense to average assets | 3.2263% | 1,464 |
| Loan and lease loss provision to assets | 0.0235% | 3,554 |
| Net operating income to assets | 1.9487% | 436 |
| Return on assets (ROA) | 1.8296% | 574 |
| Pretax return on assets | 1.8296% | 945 |
| Return on Equity (ROE) | 7.7246% | 3,655 |
| Retained earnings to average equity (ytd only) | 3.8831% | 3,833 |
| Net charge-offs to loans | 0.0914% | 1,589 |
| Credit loss provision to net charge-offs | 59.6154% | 2,754 |
| Earnings coverage of net charge-offs (x) | 50.0203% | 1,175 |
| Efficiency ratio | 62.0624% | 3,502 |
| Assets per employee ($millions) | 3.0809% | 4,978 |
| Cash dividends to net income (ytd only)* | 49.7307% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 3,508 |
| Loan loss allowance to noncurrent loans | 90.4612% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.8364% | 1,771 |
| Noncurrent loans to loans | 1.1537% | 1,465 |
| Net loans and leases to total assets | 47.4263% | 4,740 |
| Net loans and leases to deposits | 62.7117% | 4,410 |
| Net loans and leases to core deposits | 63.6661% | 4,537 |
| Total domestic deposits to total assets | 75.6258% | 4,826 |
| Equity capital to assets | 24.0925% | 125 |
| Core capital (leverage) ratio | 24.8621% | 113 |
| Tier 1 risk-based capital ratio | 30.6422% | 452 |
| Total risk-based capital ratio | 31.2683% | 469 |
| Memoranda: | ||
| Average total assets | $175,840,500 | 3,120 |
| Average earning assets | $166,299,750 | 3,085 |
| Average equity | $41,649,500 | 1,805 |
| Average total loans | $75,812,500 | 3,788 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6993% | 1,516 |
| Cost of funding earning assets | 0.2569% | 4,715 |
| Net interest margin | 4.4424% | 782 |
| Noninterest income to average assets | 0.9178% | 1,135 |
| Noninterest expense to average assets | 3.2349% | 1,463 |
| Loan and lease loss provision to assets | -0.0203% | 5,326 |
| Net operating income to assets | 1.9057% | 467 |
| Return on assets (ROA) | 1.6988% | 728 |
| Pretax return on assets | 1.6988% | 1,216 |
| Return on Equity (ROE) | 7.2126% | 3,830 |
| Retained earnings to average equity (ytd only) | 3.3736% | 3,892 |
| Net charge-offs to loans | 0.0544% | 1,821 |
| Credit loss provision to net charge-offs | -90.0000% | 4,076 |
| Earnings coverage of net charge-offs (x) | 83.4000% | 803 |
| Efficiency ratio | 63.1788% | 3,439 |
| Assets per employee ($millions) | 3.2275% | 4,903 |
| Cash dividends to net income (ytd only)* | 53.2269% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 3,114 |
| Loan loss allowance to noncurrent loans | 103.4230% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.8038% | 1,859 |
| Noncurrent loans to loans | 1.0895% | 1,622 |
| Net loans and leases to total assets | 43.3950% | 4,933 |
| Net loans and leases to deposits | 57.5385% | 4,666 |
| Net loans and leases to core deposits | 58.4206% | 4,776 |
| Total domestic deposits to total assets | 75.4190% | 4,914 |
| Equity capital to assets | 24.3805% | 119 |
| Core capital (leverage) ratio | 23.5663% | 131 |
| Tier 1 risk-based capital ratio | 30.8398% | 448 |
| Total risk-based capital ratio | 31.4651% | 461 |
| Memoranda: | ||
| Average total assets | $176,943,670 | 3,130 |
| Average earning assets | $167,385,670 | 3,096 |
| Average equity | $41,677,000 | 1,805 |
| Average total loans | $73,520,670 | 3,860 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5449% | 1,731 |
| Cost of funding earning assets | 0.2490% | 4,716 |
| Net interest margin | 4.2959% | 952 |
| Noninterest income to average assets | 0.8828% | 1,192 |
| Noninterest expense to average assets | 2.9819% | 2,109 |
| Loan and lease loss provision to assets | -0.0200% | 5,427 |
| Net operating income to assets | 1.9879% | 384 |
| Return on assets (ROA) | 1.7811% | 594 |
| Pretax return on assets | 1.7811% | 948 |
| Return on Equity (ROE) | 7.6903% | 3,511 |
| Retained earnings to average equity (ytd only) | 3.8499% | 3,654 |
| Net charge-offs to loans | 0.1100% | 1,118 |
| Credit loss provision to net charge-offs | -45.0000% | 3,617 |
| Earnings coverage of net charge-offs (x) | 44.2500% | 1,007 |
| Efficiency ratio | 60.2426% | 4,031 |
| Assets per employee ($millions) | 3.2736% | 4,927 |
| Cash dividends to net income (ytd only)* | 49.9376% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 2,981 |
| Loan loss allowance to noncurrent loans | 128.3784% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.6693% | 2,321 |
| Noncurrent loans to loans | 0.9105% | 1,997 |
| Net loans and leases to total assets | 40.1507% | 5,067 |
| Net loans and leases to deposits | 52.1640% | 4,874 |
| Net loans and leases to core deposits | 52.9046% | 4,955 |
| Total domestic deposits to total assets | 76.9702% | 4,857 |
| Equity capital to assets | 22.9232% | 141 |
| Core capital (leverage) ratio | 23.4807% | 130 |
| Tier 1 risk-based capital ratio | 30.3580% | 458 |
| Total risk-based capital ratio | 30.9845% | 473 |
| Memoranda: | ||
| Average total assets | $179,886,000 | 3,131 |
| Average earning assets | $170,302,000 | 3,090 |
| Average equity | $41,663,000 | 1,810 |
| Average total loans | $72,742,500 | 3,917 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8278% | 927 |
| Cost of funding earning assets | 0.2389% | 4,657 |
| Net interest margin | 4.5889% | 513 |
| Noninterest income to average assets | 0.8947% | 1,284 |
| Noninterest expense to average assets | 3.1527% | 1,714 |
| Loan and lease loss provision to assets | 0.0963% | 2,285 |
| Net operating income to assets | 1.9736% | 297 |
| Return on assets (ROA) | 1.2291% | 1,447 |
| Pretax return on assets | 1.2291% | 2,644 |
| Return on Equity (ROE) | 5.2761% | 4,056 |
| Retained earnings to average equity (ytd only) | 1.4546% | 4,421 |
| Net charge-offs to loans | 0.5807% | 395 |
| Credit loss provision to net charge-offs | 42.5061% | 3,418 |
| Earnings coverage of net charge-offs (x) | 9.1400% | 2,820 |
| Efficiency ratio | 60.3665% | 4,205 |
| Assets per employee ($millions) | 3.1530% | 5,075 |
| Cash dividends to net income (ytd only)* | 72.4310% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 2,653 |
| Loan loss allowance to noncurrent loans | 174.3590% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.5820% | 2,610 |
| Noncurrent loans to loans | 0.7009% | 2,454 |
| Net loans and leases to total assets | 39.7584% | 5,140 |
| Net loans and leases to deposits | 52.0771% | 4,981 |
| Net loans and leases to core deposits | 52.8158% | 5,048 |
| Total domestic deposits to total assets | 76.3453% | 4,941 |
| Equity capital to assets | 23.3988% | 126 |
| Core capital (leverage) ratio | 22.9608% | 123 |
| Tier 1 risk-based capital ratio | 30.2150% | 453 |
| Total risk-based capital ratio | 30.8660% | 468 |
| Memoranda: | ||
| Average total assets | $179,719,800 | 3,119 |
| Average earning assets | $169,497,600 | 3,085 |
| Average equity | $41,868,400 | 1,781 |
| Average total loans | $70,086,400 | 3,956 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9380% | 698 |
| Cost of funding earning assets | 0.2371% | 4,678 |
| Net interest margin | 4.7009% | 408 |
| Noninterest income to average assets | 0.8799% | 1,339 |
| Noninterest expense to average assets | 3.1122% | 1,765 |
| Loan and lease loss provision to assets | 0.1335% | 1,626 |
| Net operating income to assets | 2.0624% | 282 |
| Return on assets (ROA) | 1.3725% | 1,169 |
| Pretax return on assets | 1.3725% | 2,206 |
| Return on Equity (ROE) | 5.8978% | 4,169 |
| Retained earnings to average equity (ytd only) | 2.0722% | 4,611 |
| Net charge-offs to loans | 0.7460% | 250 |
| Credit loss provision to net charge-offs | 46.2725% | 2,951 |
| Earnings coverage of net charge-offs (x) | 7.6093% | 2,858 |
| Efficiency ratio | 58.6303% | 4,413 |
| Assets per employee ($millions) | 3.1699% | 5,106 |
| Cash dividends to net income (ytd only)* | 64.8647% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 2,399 |
| Loan loss allowance to noncurrent loans | 140.7121% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.7283% | 2,325 |
| Noncurrent loans to loans | 0.9179% | 2,092 |
| Net loans and leases to total assets | 38.4480% | 5,247 |
| Net loans and leases to deposits | 50.4884% | 5,111 |
| Net loans and leases to core deposits | 51.1151% | 5,165 |
| Total domestic deposits to total assets | 76.1522% | 5,001 |
| Equity capital to assets | 23.5944% | 124 |
| Core capital (leverage) ratio | 23.0266% | 125 |
| Tier 1 risk-based capital ratio | 29.2728% | 506 |
| Total risk-based capital ratio | 29.9207% | 526 |
| Memoranda: | ||
| Average total assets | $179,719,000 | 3,141 |
| Average earning assets | $169,296,000 | 3,107 |
| Average equity | $41,822,250 | 1,800 |
| Average total loans | $69,523,250 | 4,005 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9530% | 608 |
| Cost of funding earning assets | 0.2371% | 4,665 |
| Net interest margin | 4.7159% | 383 |
| Noninterest income to average assets | 0.8752% | 1,346 |
| Noninterest expense to average assets | 3.1372% | 1,747 |
| Loan and lease loss provision to assets | 0.1895% | 988 |
| Net operating income to assets | 1.9833% | 318 |
| Return on assets (ROA) | 0.8172% | 3,368 |
| Pretax return on assets | 0.8172% | 4,210 |
| Return on Equity (ROE) | 3.5281% | 4,968 |
| Retained earnings to average equity (ytd only) | -0.3225% | 5,128 |
| Net charge-offs to loans | 1.0832% | 181 |
| Credit loss provision to net charge-offs | 45.3333% | 2,604 |
| Earnings coverage of net charge-offs (x) | 5.1973% | 2,851 |
| Efficiency ratio | 59.0804% | 4,457 |
| Assets per employee ($millions) | 3.2095% | 5,081 |
| Cash dividends to net income (ytd only)* | 109.1405% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 2,320 |
| Loan loss allowance to noncurrent loans | 123.8806% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.8151% | 2,173 |
| Noncurrent loans to loans | 1.0639% | 1,842 |
| Net loans and leases to total assets | 38.0342% | 5,304 |
| Net loans and leases to deposits | 49.7862% | 5,146 |
| Net loans and leases to core deposits | 50.4998% | 5,206 |
| Total domestic deposits to total assets | 76.3950% | 5,042 |
| Equity capital to assets | 23.4142% | 124 |
| Core capital (leverage) ratio | 22.4962% | 132 |
| Tier 1 risk-based capital ratio | 28.1816% | 540 |
| Total risk-based capital ratio | 28.8193% | 565 |
| Memoranda: | ||
| Average total assets | $179,397,670 | 3,159 |
| Average earning assets | $168,706,330 | 3,127 |
| Average equity | $41,552,670 | 1,801 |
| Average total loans | $69,238,330 | 4,036 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1642% | 401 |
| Cost of funding earning assets | 0.2280% | 4,731 |
| Net interest margin | 4.9361% | 248 |
| Noninterest income to average assets | 0.8302% | 1,454 |
| Noninterest expense to average assets | 3.0598% | 1,985 |
| Loan and lease loss provision to assets | -0.1294% | 5,764 |
| Net operating income to assets | 2.5375% | 130 |
| Return on assets (ROA) | 2.6558% | 118 |
| Pretax return on assets | 2.6558% | 175 |
| Return on Equity (ROE) | 11.5289% | 1,396 |
| Retained earnings to average equity (ytd only) | 7.6536% | 1,590 |
| Net charge-offs to loans | 0.0809% | 1,532 |
| Credit loss provision to net charge-offs | -414.2857% | 4,209 |
| Earnings coverage of net charge-offs (x) | 77.0714% | 673 |
| Efficiency ratio | 55.9592% | 4,942 |
| Assets per employee ($millions) | 3.2368% | 5,117 |
| Cash dividends to net income (ytd only)* | 33.6134% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 1,635 |
| Loan loss allowance to noncurrent loans | 51.7822% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 1.1542% | 1,530 |
| Noncurrent loans to loans | 2.9303% | 482 |
| Net loans and leases to total assets | 37.4543% | 5,351 |
| Net loans and leases to deposits | 48.6565% | 5,189 |
| Net loans and leases to core deposits | 49.5352% | 5,240 |
| Total domestic deposits to total assets | 76.9770% | 5,113 |
| Equity capital to assets | 22.9171% | 133 |
| Core capital (leverage) ratio | 23.1328% | 121 |
| Tier 1 risk-based capital ratio | 27.8563% | 570 |
| Total risk-based capital ratio | 28.5634% | 591 |
| Memoranda: | ||
| Average total assets | $179,230,000 | 3,193 |
| Average earning assets | $168,391,000 | 3,153 |
| Average equity | $41,287,500 | 1,806 |
| Average total loans | $69,221,000 | 4,074 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9639% | 641 |
| Cost of funding earning assets | 0.2292% | 4,746 |
| Net interest margin | 4.7347% | 401 |
| Noninterest income to average assets | 0.8519% | 1,569 |
| Noninterest expense to average assets | 3.1093% | 2,004 |
| Loan and lease loss provision to assets | -0.2574% | 5,815 |
| Net operating income to assets | 2.4251% | 157 |
| Return on assets (ROA) | 2.0763% | 283 |
| Pretax return on assets | 2.0763% | 423 |
| Return on Equity (ROE) | 8.8855% | 2,476 |
| Retained earnings to average equity (ytd only) | 5.0954% | 2,287 |
| Net charge-offs to loans | -0.2788% | 5,788 |
| Credit loss provision to net charge-offs | 243.4555% | 1,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9216% | 4,733 |
| Assets per employee ($millions) | 3.2815% | 5,067 |
| Cash dividends to net income (ytd only)* | 42.6553% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 1,349 |
| Loan loss allowance to noncurrent loans | 123.1278% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.5530% | 3,076 |
| Noncurrent loans to loans | 1.3063% | 1,571 |
| Net loans and leases to total assets | 38.5938% | 5,376 |
| Net loans and leases to deposits | 50.4083% | 5,191 |
| Net loans and leases to core deposits | 51.3419% | 5,253 |
| Total domestic deposits to total assets | 76.5623% | 5,173 |
| Equity capital to assets | 23.1578% | 126 |
| Core capital (leverage) ratio | 22.6433% | 127 |
| Tier 1 risk-based capital ratio | 26.5722% | 655 |
| Total risk-based capital ratio | 27.3072% | 677 |
| Memoranda: | ||
| Average total assets | $180,654,400 | 3,158 |
| Average earning assets | $168,837,400 | 3,129 |
| Average equity | $42,214,800 | 1,753 |
| Average total loans | $68,509,000 | 4,082 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0599% | 536 |
| Cost of funding earning assets | 0.2281% | 4,805 |
| Net interest margin | 4.8318% | 346 |
| Noninterest income to average assets | 0.8550% | 1,563 |
| Noninterest expense to average assets | 3.0549% | 2,141 |
| Loan and lease loss provision to assets | -0.3291% | 5,916 |
| Net operating income to assets | 2.6414% | 133 |
| Return on assets (ROA) | 3.0814% | 85 |
| Pretax return on assets | 3.0814% | 118 |
| Return on Equity (ROE) | 13.1575% | 1,008 |
| Retained earnings to average equity (ytd only) | 9.3937% | 714 |
| Net charge-offs to loans | -0.3946% | 5,864 |
| Credit loss provision to net charge-offs | 221.7822% | 1,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9180% | 4,961 |
| Assets per employee ($millions) | 3.3885% | 4,922 |
| Cash dividends to net income (ytd only)* | 28.6055% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6673% | 1,294 |
| Loan loss allowance to noncurrent loans | 126.6298% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.7400% | 2,709 |
| Noncurrent loans to loans | 1.3167% | 1,684 |
| Net loans and leases to total assets | 36.9372% | 5,510 |
| Net loans and leases to deposits | 48.8285% | 5,353 |
| Net loans and leases to core deposits | 49.7300% | 5,398 |
| Total domestic deposits to total assets | 75.6468% | 5,270 |
| Equity capital to assets | 24.0843% | 122 |
| Core capital (leverage) ratio | 23.2717% | 121 |
| Tier 1 risk-based capital ratio | 30.7308% | 458 |
| Total risk-based capital ratio | 31.5843% | 465 |
| Memoranda: | ||
| Average total assets | $181,517,500 | 3,163 |
| Average earning assets | $169,512,000 | 3,130 |
| Average equity | $42,509,500 | 1,751 |
| Average total loans | $68,259,500 | 4,115 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1242% | 474 |
| Cost of funding earning assets | 0.2239% | 4,900 |
| Net interest margin | 4.9003% | 315 |
| Noninterest income to average assets | 0.8463% | 1,563 |
| Noninterest expense to average assets | 3.1056% | 2,043 |
| Loan and lease loss provision to assets | -0.5170% | 6,021 |
| Net operating income to assets | 2.8283% | 98 |
| Return on assets (ROA) | 3.0492% | 89 |
| Pretax return on assets | 3.0492% | 117 |
| Return on Equity (ROE) | 13.1461% | 997 |
| Retained earnings to average equity (ytd only) | 9.3356% | 764 |
| Net charge-offs to loans | -0.8106% | 5,979 |
| Credit loss provision to net charge-offs | 169.5652% | 1,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3322% | 4,991 |
| Assets per employee ($millions) | 3.4416% | 4,849 |
| Cash dividends to net income (ytd only)* | 28.9855% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7857% | 1,101 |
| Loan loss allowance to noncurrent loans | 130.1518% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.7516% | 2,724 |
| Noncurrent loans to loans | 1.3720% | 1,630 |
| Net loans and leases to total assets | 36.1847% | 5,598 |
| Net loans and leases to deposits | 47.6735% | 5,431 |
| Net loans and leases to core deposits | 48.4653% | 5,482 |
| Total domestic deposits to total assets | 75.9012% | 5,302 |
| Equity capital to assets | 23.9135% | 115 |
| Core capital (leverage) ratio | 22.6698% | 121 |
| Tier 1 risk-based capital ratio | 29.1144% | 536 |
| Total risk-based capital ratio | 29.9829% | 545 |
| Memoranda: | ||
| Average total assets | $181,030,670 | 3,188 |
| Average earning assets | $168,845,330 | 3,157 |
| Average equity | $41,989,670 | 1,766 |
| Average total loans | $68,101,670 | 4,145 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2526% | 382 |
| Cost of funding earning assets | 0.2208% | 4,993 |
| Net interest margin | 5.0317% | 233 |
| Noninterest income to average assets | 0.8495% | 1,445 |
| Noninterest expense to average assets | 2.9987% | 2,398 |
| Loan and lease loss provision to assets | -0.2329% | 6,032 |
| Net operating income to assets | 2.7836% | 113 |
| Return on assets (ROA) | 3.0941% | 90 |
| Pretax return on assets | 3.0941% | 122 |
| Return on Equity (ROE) | 13.5519% | 917 |
| Retained earnings to average equity (ytd only) | 9.6661% | 934 |
| Net charge-offs to loans | 0.0992% | 1,536 |
| Credit loss provision to net charge-offs | -617.6471% | 4,620 |
| Earnings coverage of net charge-offs (x) | 67.6471% | 718 |
| Efficiency ratio | 54.0368% | 5,382 |
| Assets per employee ($millions) | 3.4125% | 4,951 |
| Cash dividends to net income (ytd only)* | 28.6738% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9242% | 932 |
| Loan loss allowance to noncurrent loans | 139.4072% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 1.5034% | 1,356 |
| Noncurrent loans to loans | 1.3803% | 1,726 |
| Net loans and leases to total assets | 35.7903% | 5,646 |
| Net loans and leases to deposits | 46.6006% | 5,482 |
| Net loans and leases to core deposits | 47.2596% | 5,544 |
| Total domestic deposits to total assets | 76.8022% | 5,317 |
| Equity capital to assets | 23.0900% | 128 |
| Core capital (leverage) ratio | 22.2776% | 131 |
| Tier 1 risk-based capital ratio | 28.3304% | 587 |
| Total risk-based capital ratio | 29.2468% | 594 |
| Memoranda: | ||
| Average total assets | $180,344,500 | 3,196 |
| Average earning assets | $168,450,500 | 3,173 |
| Average equity | $41,175,000 | 1,795 |
| Average total loans | $68,551,500 | 4,145 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9888% | 639 |
| Cost of funding earning assets | 0.2463% | 4,818 |
| Net interest margin | 4.7425% | 423 |
| Noninterest income to average assets | 0.8464% | 1,621 |
| Noninterest expense to average assets | 3.1154% | 2,183 |
| Loan and lease loss provision to assets | 0.1880% | 1,188 |
| Net operating income to assets | 2.0174% | 335 |
| Return on assets (ROA) | 2.2093% | 255 |
| Pretax return on assets | 2.2093% | 341 |
| Return on Equity (ROE) | 9.6024% | 2,175 |
| Retained earnings to average equity (ytd only) | 4.1564% | 3,041 |
| Net charge-offs to loans | 0.8599% | 251 |
| Credit loss provision to net charge-offs | 53.6585% | 3,355 |
| Earnings coverage of net charge-offs (x) | 6.2959% | 3,246 |
| Efficiency ratio | 58.5528% | 5,083 |
| Assets per employee ($millions) | 3.2112% | 5,282 |
| Cash dividends to net income (ytd only)* | 56.7156% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9578% | 865 |
| Loan loss allowance to noncurrent loans | 50.1080% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 1.5815% | 1,254 |
| Noncurrent loans to loans | 3.9071% | 316 |
| Net loans and leases to total assets | 38.7650% | 5,590 |
| Net loans and leases to deposits | 50.2530% | 5,378 |
| Net loans and leases to core deposits | 50.9624% | 5,457 |
| Total domestic deposits to total assets | 77.1397% | 5,294 |
| Equity capital to assets | 22.5711% | 131 |
| Core capital (leverage) ratio | 21.7944% | 137 |
| Tier 1 risk-based capital ratio | 27.0297% | 664 |
| Total risk-based capital ratio | 28.0129% | 665 |
| Memoranda: | ||
| Average total assets | $175,576,800 | 3,224 |
| Average earning assets | $165,649,400 | 3,181 |
| Average equity | $40,396,000 | 1,781 |
| Average total loans | $71,518,000 | 4,057 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0041% | 616 |
| Cost of funding earning assets | 0.2488% | 4,893 |
| Net interest margin | 4.7553% | 414 |
| Noninterest income to average assets | 0.8343% | 1,675 |
| Noninterest expense to average assets | 3.1638% | 2,055 |
| Loan and lease loss provision to assets | 0.1406% | 1,576 |
| Net operating income to assets | 2.0269% | 348 |
| Return on assets (ROA) | 2.1690% | 286 |
| Pretax return on assets | 2.1690% | 444 |
| Return on Equity (ROE) | 9.3815% | 2,365 |
| Retained earnings to average equity (ytd only) | 3.4334% | 4,027 |
| Net charge-offs to loans | 0.7930% | 256 |
| Credit loss provision to net charge-offs | 43.1925% | 3,124 |
| Earnings coverage of net charge-offs (x) | 6.6596% | 3,019 |
| Efficiency ratio | 59.3437% | 4,965 |
| Assets per employee ($millions) | 3.0525% | 5,487 |
| Cash dividends to net income (ytd only)* | 63.4026% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9712% | 955 |
| Loan loss allowance to noncurrent loans | 55.0230% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 1.5271% | 1,467 |
| Noncurrent loans to loans | 3.5824% | 426 |
| Net loans and leases to total assets | 41.0160% | 5,538 |
| Net loans and leases to deposits | 53.4097% | 5,295 |
| Net loans and leases to core deposits | 54.6561% | 5,372 |
| Total domestic deposits to total assets | 76.7950% | 5,375 |
| Equity capital to assets | 22.9141% | 130 |
| Core capital (leverage) ratio | 21.9417% | 138 |
| Tier 1 risk-based capital ratio | 25.5188% | 807 |
| Total risk-based capital ratio | 26.4920% | 813 |
| Memoranda: | ||
| Average total assets | $174,514,250 | 3,264 |
| Average earning assets | $165,033,750 | 3,216 |
| Average equity | $40,347,750 | 1,799 |
| Average total loans | $71,622,000 | 4,093 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9840% | 609 |
| Cost of funding earning assets | 0.2513% | 4,925 |
| Net interest margin | 4.7327% | 416 |
| Noninterest income to average assets | 0.7946% | 1,805 |
| Noninterest expense to average assets | 3.2069% | 1,967 |
| Loan and lease loss provision to assets | 0.1030% | 2,113 |
| Net operating income to assets | 1.9486% | 400 |
| Return on assets (ROA) | 1.9188% | 442 |
| Pretax return on assets | 1.9188% | 712 |
| Return on Equity (ROE) | 8.2750% | 2,902 |
| Retained earnings to average equity (ytd only) | 1.3627% | 5,002 |
| Net charge-offs to loans | 0.1404% | 1,661 |
| Credit loss provision to net charge-offs | 180.0000% | 1,347 |
| Earnings coverage of net charge-offs (x) | 35.8400% | 1,213 |
| Efficiency ratio | 60.9841% | 4,831 |
| Assets per employee ($millions) | 3.0421% | 5,545 |
| Cash dividends to net income (ytd only)* | 83.5322% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3758% | 569 |
| Loan loss allowance to noncurrent loans | 44.7252% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 2.2919% | 885 |
| Noncurrent loans to loans | 5.3120% | 202 |
| Net loans and leases to total assets | 40.6887% | 5,591 |
| Net loans and leases to deposits | 52.9046% | 5,324 |
| Net loans and leases to core deposits | 53.8285% | 5,428 |
| Total domestic deposits to total assets | 76.9096% | 5,470 |
| Equity capital to assets | 22.8701% | 127 |
| Core capital (leverage) ratio | 21.4641% | 149 |
| Tier 1 risk-based capital ratio | 24.4957% | 907 |
| Total risk-based capital ratio | 25.6366% | 905 |
| Memoranda: | ||
| Average total assets | $174,688,000 | 3,288 |
| Average earning assets | $164,767,670 | 3,241 |
| Average equity | $40,507,330 | 1,804 |
| Average total loans | $71,229,330 | 4,129 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8603% | 767 |
| Cost of funding earning assets | 0.2572% | 4,936 |
| Net interest margin | 4.6031% | 494 |
| Noninterest income to average assets | 0.7757% | 1,808 |
| Noninterest expense to average assets | 3.0981% | 2,280 |
| Loan and lease loss provision to assets | 0.0593% | 2,746 |
| Net operating income to assets | 1.9460% | 376 |
| Return on assets (ROA) | 1.8958% | 431 |
| Pretax return on assets | 1.8958% | 722 |
| Return on Equity (ROE) | 8.1206% | 2,901 |
| Retained earnings to average equity (ytd only) | -1.6515% | 5,645 |
| Net charge-offs to loans | 0.0849% | 1,864 |
| Credit loss provision to net charge-offs | 173.3333% | 1,150 |
| Earnings coverage of net charge-offs (x) | 58.6000% | 754 |
| Efficiency ratio | 60.7063% | 5,001 |
| Assets per employee ($millions) | 3.0796% | 5,569 |
| Cash dividends to net income (ytd only)* | 120.3369% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4017% | 612 |
| Loan loss allowance to noncurrent loans | 50.2082% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 1.9756% | 1,203 |
| Noncurrent loans to loans | 4.7834% | 297 |
| Net loans and leases to total assets | 39.0781% | 5,660 |
| Net loans and leases to deposits | 50.9277% | 5,394 |
| Net loans and leases to core deposits | 52.1365% | 5,481 |
| Total domestic deposits to total assets | 76.7327% | 5,657 |
| Equity capital to assets | 23.1448% | 124 |
| Core capital (leverage) ratio | 21.1714% | 164 |
| Tier 1 risk-based capital ratio | 24.5548% | 934 |
| Total risk-based capital ratio | 25.6929% | 925 |
| Memoranda: | ||
| Average total assets | $175,333,500 | 3,298 |
| Average earning assets | $164,846,500 | 3,254 |
| Average equity | $40,933,000 | 1,796 |
| Average total loans | $70,709,000 | 4,168 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3299% | 430 |
| Cost of funding earning assets | 0.2794% | 5,006 |
| Net interest margin | 5.0505% | 276 |
| Noninterest income to average assets | 0.7642% | 2,016 |
| Noninterest expense to average assets | 3.1015% | 2,509 |
| Loan and lease loss provision to assets | 0.1645% | 1,595 |
| Net operating income to assets | 2.2141% | 221 |
| Return on assets (ROA) | 2.4802% | 154 |
| Pretax return on assets | 2.4802% | 197 |
| Return on Equity (ROE) | 10.6342% | 1,843 |
| Retained earnings to average equity (ytd only) | 5.6510% | 2,170 |
| Net charge-offs to loans | 0.3193% | 1,384 |
| Credit loss provision to net charge-offs | 128.0543% | 1,867 |
| Earnings coverage of net charge-offs (x) | 18.5204% | 1,843 |
| Efficiency ratio | 56.5960% | 5,608 |
| Assets per employee ($millions) | 3.0724% | 5,601 |
| Cash dividends to net income (ytd only)* | 46.8604% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3576% | 665 |
| Loan loss allowance to noncurrent loans | 52.5376% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 1.8832% | 1,369 |
| Noncurrent loans to loans | 4.4874% | 375 |
| Net loans and leases to total assets | 39.6599% | 5,767 |
| Net loans and leases to deposits | 52.0867% | 5,473 |
| Net loans and leases to core deposits | 53.3366% | 5,540 |
| Total domestic deposits to total assets | 76.1422% | 5,711 |
| Equity capital to assets | 23.5472% | 120 |
| Core capital (leverage) ratio | 21.2169% | 162 |
| Tier 1 risk-based capital ratio | 34.1762% | 360 |
| Total risk-based capital ratio | 35.4297% | 357 |
| Memoranda: | ||
| Average total assets | $172,079,800 | 3,311 |
| Average earning assets | $160,677,000 | 3,272 |
| Average equity | $40,134,600 | 1,777 |
| Average total loans | $69,215,800 | 4,214 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4191% | 363 |
| Cost of funding earning assets | 0.2823% | 5,071 |
| Net interest margin | 5.1368% | 228 |
| Noninterest income to average assets | 0.7619% | 2,044 |
| Noninterest expense to average assets | 3.1138% | 2,432 |
| Loan and lease loss provision to assets | 0.2241% | 1,014 |
| Net operating income to assets | 2.2103% | 232 |
| Return on assets (ROA) | 2.8547% | 103 |
| Pretax return on assets | 2.8547% | 131 |
| Return on Equity (ROE) | 12.2697% | 1,414 |
| Retained earnings to average equity (ytd only) | 6.9176% | 1,860 |
| Net charge-offs to loans | 0.3511% | 1,147 |
| Credit loss provision to net charge-offs | 159.1160% | 1,515 |
| Earnings coverage of net charge-offs (x) | 17.2816% | 1,915 |
| Efficiency ratio | 56.1229% | 5,650 |
| Assets per employee ($millions) | 2.9024% | 5,847 |
| Cash dividends to net income (ytd only)* | 43.6205% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5010% | 651 |
| Loan loss allowance to noncurrent loans | 42.4452% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 2.5348% | 1,030 |
| Noncurrent loans to loans | 5.8923% | 244 |
| Net loans and leases to total assets | 39.8783% | 5,822 |
| Net loans and leases to deposits | 53.1601% | 5,447 |
| Net loans and leases to core deposits | 54.5201% | 5,532 |
| Total domestic deposits to total assets | 75.0156% | 5,922 |
| Equity capital to assets | 24.6808% | 101 |
| Core capital (leverage) ratio | 21.7184% | 148 |
| Tier 1 risk-based capital ratio | 34.8310% | 358 |
| Total risk-based capital ratio | 36.0859% | 352 |
| Memoranda: | ||
| Average total assets | $171,317,500 | 3,345 |
| Average earning assets | $159,629,750 | 3,313 |
| Average equity | $39,858,750 | 1,793 |
| Average total loans | $68,736,500 | 4,249 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4745% | 321 |
| Cost of funding earning assets | 0.2793% | 5,196 |
| Net interest margin | 5.1952% | 204 |
| Noninterest income to average assets | 0.7382% | 2,100 |
| Noninterest expense to average assets | 3.1281% | 2,399 |
| Loan and lease loss provision to assets | 0.3587% | 488 |
| Net operating income to assets | 2.0869% | 279 |
| Return on assets (ROA) | 3.0607% | 92 |
| Pretax return on assets | 3.0607% | 112 |
| Return on Equity (ROE) | 13.4212% | 1,069 |
| Retained earnings to average equity (ytd only) | 7.3137% | 1,606 |
| Net charge-offs to loans | 0.3814% | 1,056 |
| Credit loss provision to net charge-offs | 235.8779% | 1,029 |
| Earnings coverage of net charge-offs (x) | 16.0840% | 1,815 |
| Efficiency ratio | 56.1224% | 5,737 |
| Assets per employee ($millions) | 2.9699% | 5,794 |
| Cash dividends to net income (ytd only)* | 45.5063% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6554% | 566 |
| Loan loss allowance to noncurrent loans | 51.8508% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 2.1236% | 1,459 |
| Noncurrent loans to loans | 5.1211% | 378 |
| Net loans and leases to total assets | 38.1596% | 5,947 |
| Net loans and leases to deposits | 50.1346% | 5,628 |
| Net loans and leases to core deposits | 51.4686% | 5,701 |
| Total domestic deposits to total assets | 76.1142% | 5,904 |
| Equity capital to assets | 23.6681% | 111 |
| Core capital (leverage) ratio | 21.0175% | 163 |
| Tier 1 risk-based capital ratio | 34.7597% | 355 |
| Total risk-based capital ratio | 36.0157% | 349 |
| Memoranda: | ||
| Average total assets | $172,311,000 | 3,349 |
| Average earning assets | $160,379,330 | 3,319 |
| Average equity | $39,296,000 | 1,803 |
| Average total loans | $68,698,000 | 4,278 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0802% | 131 |
| Cost of funding earning assets | 0.2816% | 5,262 |
| Net interest margin | 5.7986% | 96 |
| Noninterest income to average assets | 0.7195% | 2,082 |
| Noninterest expense to average assets | 3.0359% | 2,744 |
| Loan and lease loss provision to assets | 0.6313% | 206 |
| Net operating income to assets | 2.4533% | 155 |
| Return on assets (ROA) | 3.9666% | 69 |
| Pretax return on assets | 3.9666% | 88 |
| Return on Equity (ROE) | 17.7284% | 461 |
| Retained earnings to average equity (ytd only) | 9.4296% | 1,131 |
| Net charge-offs to loans | 0.3522% | 1,015 |
| Credit loss provision to net charge-offs | 445.9016% | 602 |
| Earnings coverage of net charge-offs (x) | 21.7869% | 1,279 |
| Efficiency ratio | 49.6018% | 6,278 |
| Assets per employee ($millions) | 2.9252% | 5,949 |
| Cash dividends to net income (ytd only)* | 46.8110% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6824% | 642 |
| Loan loss allowance to noncurrent loans | 43.4245% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 2.4591% | 1,305 |
| Noncurrent loans to loans | 6.1771% | 290 |
| Net loans and leases to total assets | 38.3859% | 5,918 |
| Net loans and leases to deposits | 49.6921% | 5,618 |
| Net loans and leases to core deposits | 50.9969% | 5,688 |
| Total domestic deposits to total assets | 77.2476% | 5,936 |
| Equity capital to assets | 22.6307% | 133 |
| Core capital (leverage) ratio | 20.8242% | 171 |
| Tier 1 risk-based capital ratio | 34.2571% | 372 |
| Total risk-based capital ratio | 35.5135% | 363 |
| Memoranda: | ||
| Average total assets | $172,340,000 | 3,374 |
| Average earning assets | $160,522,000 | 3,342 |
| Average equity | $38,559,500 | 1,827 |
| Average total loans | $69,285,000 | 4,292 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5134% | 356 |
| Cost of funding earning assets | 0.3068% | 5,545 |
| Net interest margin | 5.2066% | 211 |
| Noninterest income to average assets | 0.7456% | 2,311 |
| Noninterest expense to average assets | 2.9673% | 3,142 |
| Loan and lease loss provision to assets | 0.1705% | 2,153 |
| Net operating income to assets | 2.4827% | 172 |
| Return on assets (ROA) | 2.6602% | 148 |
| Pretax return on assets | 2.6602% | 167 |
| Return on Equity (ROE) | 12.0579% | 1,400 |
| Retained earnings to average equity (ytd only) | 7.8233% | 1,114 |
| Net charge-offs to loans | 0.2969% | 2,207 |
| Credit loss provision to net charge-offs | 135.1852% | 1,737 |
| Earnings coverage of net charge-offs (x) | 21.0370% | 1,512 |
| Efficiency ratio | 52.7945% | 6,230 |
| Assets per employee ($millions) | 2.9169% | 5,961 |
| Cash dividends to net income (ytd only)* | 35.1185% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2909% | 1,045 |
| Loan loss allowance to noncurrent loans | 41.7744% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 2.2749% | 1,555 |
| Noncurrent loans to loans | 5.4840% | 416 |
| Net loans and leases to total assets | 40.0248% | 5,959 |
| Net loans and leases to deposits | 51.5704% | 5,657 |
| Net loans and leases to core deposits | 53.0576% | 5,727 |
| Total domestic deposits to total assets | 77.6119% | 5,884 |
| Equity capital to assets | 22.1167% | 140 |
| Core capital (leverage) ratio | 20.1684% | 188 |
| Tier 1 risk-based capital ratio | 31.9836% | 429 |
| Total risk-based capital ratio | 33.2370% | 424 |
| Memoranda: | ||
| Average total assets | $171,264,400 | 3,393 |
| Average earning assets | $160,354,600 | 3,333 |
| Average equity | $37,784,400 | 1,838 |
| Average total loans | $72,760,200 | 4,169 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5512% | 342 |
| Cost of funding earning assets | 0.3126% | 5,616 |
| Net interest margin | 5.2386% | 203 |
| Noninterest income to average assets | 0.7763% | 2,257 |
| Noninterest expense to average assets | 2.9611% | 3,104 |
| Loan and lease loss provision to assets | 0.1816% | 2,001 |
| Net operating income to assets | 2.5457% | 164 |
| Return on assets (ROA) | 2.9120% | 121 |
| Pretax return on assets | 2.9120% | 148 |
| Return on Equity (ROE) | 13.2075% | 1,193 |
| Retained earnings to average equity (ytd only) | 8.9653% | 1,065 |
| Net charge-offs to loans | 0.3128% | 1,977 |
| Credit loss provision to net charge-offs | 135.4651% | 1,741 |
| Earnings coverage of net charge-offs (x) | 20.3428% | 1,594 |
| Efficiency ratio | 52.0554% | 6,249 |
| Assets per employee ($millions) | 2.7657% | 6,199 |
| Cash dividends to net income (ytd only)* | 32.1199% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1708% | 1,379 |
| Loan loss allowance to noncurrent loans | 83.7258% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.1998% | 3,251 |
| Noncurrent loans to loans | 2.5927% | 1,642 |
| Net loans and leases to total assets | 43.4531% | 5,776 |
| Net loans and leases to deposits | 56.1460% | 5,366 |
| Net loans and leases to core deposits | 57.9654% | 5,455 |
| Total domestic deposits to total assets | 77.3930% | 5,990 |
| Equity capital to assets | 22.3436% | 134 |
| Core capital (leverage) ratio | 20.6905% | 171 |
| Tier 1 risk-based capital ratio | 30.4796% | 494 |
| Total risk-based capital ratio | 31.7320% | 494 |
| Memoranda: | ||
| Average total assets | $171,056,500 | 3,425 |
| Average earning assets | $160,394,750 | 3,363 |
| Average equity | $37,715,000 | 1,854 |
| Average total loans | $73,326,250 | 4,186 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4015% | 446 |
| Cost of funding earning assets | 0.3185% | 5,678 |
| Net interest margin | 5.0831% | 270 |
| Noninterest income to average assets | 0.7583% | 2,373 |
| Noninterest expense to average assets | 2.8490% | 3,520 |
| Loan and lease loss provision to assets | 0.1621% | 2,302 |
| Net operating income to assets | 2.5144% | 173 |
| Return on assets (ROA) | 2.9393% | 123 |
| Pretax return on assets | 2.9393% | 154 |
| Return on Equity (ROE) | 13.3886% | 1,145 |
| Retained earnings to average equity (ytd only) | 9.1701% | 1,067 |
| Net charge-offs to loans | 0.4071% | 1,589 |
| Credit loss provision to net charge-offs | 93.9597% | 2,353 |
| Earnings coverage of net charge-offs (x) | 15.5168% | 1,732 |
| Efficiency ratio | 51.5609% | 6,310 |
| Assets per employee ($millions) | 2.7239% | 6,265 |
| Cash dividends to net income (ytd only)* | 31.5085% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0864% | 1,661 |
| Loan loss allowance to noncurrent loans | 186.0267% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5075% | 4,996 |
| Noncurrent loans to loans | 1.1215% | 3,689 |
| Net loans and leases to total assets | 42.5448% | 5,861 |
| Net loans and leases to deposits | 54.7003% | 5,458 |
| Net loans and leases to core deposits | 56.4472% | 5,565 |
| Total domestic deposits to total assets | 77.7778% | 6,014 |
| Equity capital to assets | 22.0279% | 139 |
| Core capital (leverage) ratio | 20.2090% | 185 |
| Tier 1 risk-based capital ratio | 30.0756% | 515 |
| Total risk-based capital ratio | 31.3276% | 511 |
| Memoranda: | ||
| Average total assets | $172,762,000 | 3,413 |
| Average earning assets | $162,028,000 | 3,359 |
| Average equity | $37,927,670 | 1,852 |
| Average total loans | $73,199,670 | 4,206 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5977% | 315 |
| Cost of funding earning assets | 0.3273% | 5,745 |
| Net interest margin | 5.2705% | 176 |
| Noninterest income to average assets | 0.7166% | 2,501 |
| Noninterest expense to average assets | 2.8528% | 3,529 |
| Loan and lease loss provision to assets | 0.2290% | 1,598 |
| Net operating income to assets | 2.5758% | 144 |
| Return on assets (ROA) | 3.1459% | 99 |
| Pretax return on assets | 3.1459% | 140 |
| Return on Equity (ROE) | 14.3532% | 889 |
| Retained earnings to average equity (ytd only) | 10.1747% | 1,061 |
| Net charge-offs to loans | 0.3994% | 1,454 |
| Credit loss provision to net charge-offs | 136.9863% | 1,456 |
| Earnings coverage of net charge-offs (x) | 16.7808% | 1,349 |
| Efficiency ratio | 50.4249% | 6,477 |
| Assets per employee ($millions) | 2.8613% | 6,199 |
| Cash dividends to net income (ytd only)* | 29.1121% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1620% | 1,662 |
| Loan loss allowance to noncurrent loans | 123.1132% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.7483% | 4,501 |
| Noncurrent loans to loans | 1.7561% | 2,926 |
| Net loans and leases to total assets | 40.6026% | 5,946 |
| Net loans and leases to deposits | 52.1987% | 5,596 |
| Net loans and leases to core deposits | 53.8094% | 5,682 |
| Total domestic deposits to total assets | 77.7848% | 6,142 |
| Equity capital to assets | 22.1012% | 148 |
| Core capital (leverage) ratio | 19.3619% | 220 |
| Tier 1 risk-based capital ratio | 28.9578% | 585 |
| Total risk-based capital ratio | 30.2096% | 576 |
| Memoranda: | ||
| Average total assets | $174,702,500 | 3,417 |
| Average earning assets | $163,781,000 | 3,375 |
| Average equity | $38,291,000 | 1,855 |
| Average total loans | $73,109,000 | 4,231 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8924% | 316 |
| Cost of funding earning assets | 0.3681% | 6,116 |
| Net interest margin | 5.5243% | 165 |
| Noninterest income to average assets | 0.7035% | 2,702 |
| Noninterest expense to average assets | 2.8712% | 3,757 |
| Loan and lease loss provision to assets | 0.0673% | 4,912 |
| Net operating income to assets | 2.9437% | 102 |
| Return on assets (ROA) | 3.4720% | 79 |
| Pretax return on assets | 3.4720% | 97 |
| Return on Equity (ROE) | 14.9797% | 812 |
| Retained earnings to average equity (ytd only) | -14.0439% | 6,754 |
| Net charge-offs to loans | 0.0474% | 5,254 |
| Credit loss provision to net charge-offs | 331.4286% | 736 |
| Earnings coverage of net charge-offs (x) | 148.3429% | 286 |
| Efficiency ratio | 48.8120% | 6,665 |
| Assets per employee ($millions) | 2.8667% | 6,216 |
| Cash dividends to net income (ytd only)* | 193.7531% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0858% | 1,803 |
| Loan loss allowance to noncurrent loans | 170.0552% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 5,132 |
| Noncurrent loans to loans | 1.2265% | 3,796 |
| Net loans and leases to total assets | 41.3148% | 6,064 |
| Net loans and leases to deposits | 52.9671% | 5,741 |
| Net loans and leases to core deposits | 54.7028% | 5,823 |
| Total domestic deposits to total assets | 78.0010% | 6,080 |
| Equity capital to assets | 21.7348% | 160 |
| Core capital (leverage) ratio | 18.1741% | 272 |
| Tier 1 risk-based capital ratio | 28.1067% | 620 |
| Total risk-based capital ratio | 29.3586% | 604 |
| Memoranda: | ||
| Average total assets | $172,434,600 | 3,409 |
| Average earning assets | $161,650,200 | 3,358 |
| Average equity | $39,967,400 | 1,740 |
| Average total loans | $73,781,000 | 4,215 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8552% | 363 |
| Cost of funding earning assets | 0.3788% | 6,238 |
| Net interest margin | 5.4765% | 179 |
| Noninterest income to average assets | 0.6914% | 2,748 |
| Noninterest expense to average assets | 2.8998% | 3,597 |
| Loan and lease loss provision to assets | 0.0497% | 5,142 |
| Net operating income to assets | 2.8804% | 113 |
| Return on assets (ROA) | 3.1116% | 104 |
| Pretax return on assets | 3.1116% | 141 |
| Return on Equity (ROE) | 13.2152% | 1,286 |
| Retained earnings to average equity (ytd only) | 2.6694% | 4,959 |
| Net charge-offs to loans | 0.0524% | 4,923 |
| Credit loss provision to net charge-offs | 220.6897% | 1,257 |
| Earnings coverage of net charge-offs (x) | 130.1924% | 336 |
| Efficiency ratio | 49.7404% | 6,607 |
| Assets per employee ($millions) | 2.8121% | 6,344 |
| Cash dividends to net income (ytd only)* | 79.8005% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0475% | 2,041 |
| Loan loss allowance to noncurrent loans | 198.5372% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.4772% | 5,474 |
| Noncurrent loans to loans | 1.0313% | 4,388 |
| Net loans and leases to total assets | 40.9673% | 6,204 |
| Net loans and leases to deposits | 54.7998% | 5,734 |
| Net loans and leases to core deposits | 56.9204% | 5,814 |
| Total domestic deposits to total assets | 74.7581% | 6,540 |
| Equity capital to assets | 24.9878% | 107 |
| Core capital (leverage) ratio | 22.5065% | 129 |
| Tier 1 risk-based capital ratio | 32.6727% | 419 |
| Total risk-based capital ratio | 33.9230% | 414 |
| Memoranda: | ||
| Average total assets | $171,826,500 | 3,453 |
| Average earning assets | $161,218,750 | 3,399 |
| Average equity | $40,457,500 | 1,741 |
| Average total loans | $73,780,000 | 4,266 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8300% | 386 |
| Cost of funding earning assets | 0.3955% | 6,289 |
| Net interest margin | 5.4345% | 196 |
| Noninterest income to average assets | 0.6503% | 2,954 |
| Noninterest expense to average assets | 2.8809% | 3,696 |
| Loan and lease loss provision to assets | 0.0199% | 5,418 |
| Net operating income to assets | 2.8447% | 116 |
| Return on assets (ROA) | 3.0541% | 101 |
| Pretax return on assets | 3.0541% | 147 |
| Return on Equity (ROE) | 13.2466% | 1,295 |
| Retained earnings to average equity (ytd only) | -0.9589% | 6,205 |
| Net charge-offs to loans | 0.0162% | 5,192 |
| Credit loss provision to net charge-offs | 283.3333% | 1,034 |
| Earnings coverage of net charge-offs (x) | 408.1667% | 103 |
| Efficiency ratio | 50.1425% | 6,636 |
| Assets per employee ($millions) | 2.6927% | 6,535 |
| Cash dividends to net income (ytd only)* | 107.2386% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9609% | 2,338 |
| Loan loss allowance to noncurrent loans | 221.2349% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 5,680 |
| Noncurrent loans to loans | 0.8863% | 4,719 |
| Net loans and leases to total assets | 43.2960% | 6,082 |
| Net loans and leases to deposits | 56.9080% | 5,560 |
| Net loans and leases to core deposits | 59.1257% | 5,681 |
| Total domestic deposits to total assets | 76.0807% | 6,446 |
| Equity capital to assets | 23.7118% | 117 |
| Core capital (leverage) ratio | 21.9587% | 135 |
| Tier 1 risk-based capital ratio | 31.5899% | 456 |
| Total risk-based capital ratio | 32.8402% | 451 |
| Memoranda: | ||
| Average total assets | $170,985,670 | 3,484 |
| Average earning assets | $160,309,330 | 3,422 |
| Average equity | $39,421,330 | 1,765 |
| Average total loans | $74,067,000 | 4,276 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6165% | 606 |
| Cost of funding earning assets | 0.4150% | 6,340 |
| Net interest margin | 5.2014% | 294 |
| Noninterest income to average assets | 0.6827% | 2,742 |
| Noninterest expense to average assets | 2.8149% | 3,971 |
| Loan and lease loss provision to assets | -0.0210% | 7,122 |
| Net operating income to assets | 2.7659% | 130 |
| Return on assets (ROA) | 3.2087% | 103 |
| Pretax return on assets | 3.2087% | 154 |
| Return on Equity (ROE) | 14.1158% | 1,165 |
| Retained earnings to average equity (ytd only) | -10.4869% | 6,854 |
| Net charge-offs to loans | -0.0054% | 5,803 |
| Credit loss provision to net charge-offs | 900.0000% | 389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6287% | 6,631 |
| Assets per employee ($millions) | 2.7892% | 6,512 |
| Cash dividends to net income (ytd only)* | 174.2919% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9574% | 2,500 |
| Loan loss allowance to noncurrent loans | 192.5631% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.4985% | 5,616 |
| Noncurrent loans to loans | 1.0165% | 4,644 |
| Net loans and leases to total assets | 41.9977% | 6,194 |
| Net loans and leases to deposits | 54.3982% | 5,768 |
| Net loans and leases to core deposits | 56.4505% | 5,867 |
| Total domestic deposits to total assets | 77.2042% | 6,370 |
| Equity capital to assets | 22.6784% | 133 |
| Core capital (leverage) ratio | 21.4215% | 148 |
| Tier 1 risk-based capital ratio | 31.1123% | 487 |
| Total risk-based capital ratio | 32.3627% | 475 |
| Memoranda: | ||
| Average total assets | $171,660,000 | 3,491 |
| Average earning assets | $160,955,500 | 3,422 |
| Average equity | $39,020,000 | 1,778 |
| Average total loans | $73,643,000 | 4,324 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3869% | 218 |
| Cost of funding earning assets | 0.5461% | 6,361 |
| Net interest margin | 5.8408% | 111 |
| Noninterest income to average assets | 0.7282% | 2,457 |
| Noninterest expense to average assets | 2.8529% | 4,155 |
| Loan and lease loss provision to assets | -0.0108% | 7,216 |
| Net operating income to assets | 3.3406% | 67 |
| Return on assets (ROA) | 3.6878% | 58 |
| Pretax return on assets | 3.6878% | 85 |
| Return on Equity (ROE) | 15.9525% | 610 |
| Retained earnings to average equity (ytd only) | 1.3507% | 5,216 |
| Net charge-offs to loans | 0.1416% | 5,010 |
| Credit loss provision to net charge-offs | -17.3077% | 6,630 |
| Earnings coverage of net charge-offs (x) | 53.1154% | 528 |
| Efficiency ratio | 46.1441% | 7,038 |
| Assets per employee ($millions) | 2.7933% | 6,467 |
| Cash dividends to net income (ytd only)* | 91.5332% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9916% | 2,308 |
| Loan loss allowance to noncurrent loans | 218.5907% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.4554% | 5,832 |
| Noncurrent loans to loans | 0.9111% | 4,866 |
| Net loans and leases to total assets | 42.1101% | 6,378 |
| Net loans and leases to deposits | 54.7233% | 6,001 |
| Net loans and leases to core deposits | 57.1020% | 6,069 |
| Total domestic deposits to total assets | 76.9510% | 6,350 |
| Equity capital to assets | 22.7843% | 137 |
| Core capital (leverage) ratio | 21.5462% | 151 |
| Tier 1 risk-based capital ratio | 33.2419% | 384 |
| Total risk-based capital ratio | 34.4924% | 379 |
| Memoranda: | ||
| Average total assets | $165,899,200 | 3,556 |
| Average earning assets | $154,927,600 | 3,493 |
| Average equity | $38,351,400 | 1,756 |
| Average total loans | $73,442,800 | 4,367 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4643% | 205 |
| Cost of funding earning assets | 0.5773% | 6,391 |
| Net interest margin | 5.8870% | 105 |
| Noninterest income to average assets | 0.7185% | 2,483 |
| Noninterest expense to average assets | 2.9016% | 3,926 |
| Loan and lease loss provision to assets | -0.0566% | 7,335 |
| Net operating income to assets | 3.3604% | 76 |
| Return on assets (ROA) | 3.7610% | 67 |
| Pretax return on assets | 3.7610% | 95 |
| Return on Equity (ROE) | 16.2087% | 654 |
| Retained earnings to average equity (ytd only) | -1.9249% | 6,289 |
| Net charge-offs to loans | 0.0961% | 5,019 |
| Credit loss provision to net charge-offs | -132.0755% | 6,549 |
| Earnings coverage of net charge-offs (x) | 77.0430% | 450 |
| Efficiency ratio | 46.7597% | 7,024 |
| Assets per employee ($millions) | 2.7695% | 6,541 |
| Cash dividends to net income (ytd only)* | 111.8760% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9860% | 2,368 |
| Loan loss allowance to noncurrent loans | 228.7284% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 6,053 |
| Noncurrent loans to loans | 0.8683% | 5,127 |
| Net loans and leases to total assets | 42.5640% | 6,460 |
| Net loans and leases to deposits | 55.6232% | 6,062 |
| Net loans and leases to core deposits | 58.6415% | 6,078 |
| Total domestic deposits to total assets | 76.5220% | 6,449 |
| Equity capital to assets | 23.2158% | 140 |
| Core capital (leverage) ratio | 21.4897% | 162 |
| Tier 1 risk-based capital ratio | 32.2658% | 446 |
| Total risk-based capital ratio | 33.5166% | 439 |
| Memoranda: | ||
| Average total assets | $164,776,750 | 3,593 |
| Average earning assets | $153,578,000 | 3,539 |
| Average equity | $38,233,750 | 1,762 |
| Average total loans | $73,501,250 | 4,402 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5386% | 193 |
| Cost of funding earning assets | 0.5982% | 6,472 |
| Net interest margin | 5.9404% | 98 |
| Noninterest income to average assets | 0.7063% | 2,517 |
| Noninterest expense to average assets | 2.8558% | 4,208 |
| Loan and lease loss provision to assets | -0.0490% | 7,396 |
| Net operating income to assets | 3.4421% | 80 |
| Return on assets (ROA) | 4.0835% | 63 |
| Pretax return on assets | 4.0835% | 92 |
| Return on Equity (ROE) | 17.6021% | 499 |
| Retained earnings to average equity (ytd only) | -7.7246% | 6,758 |
| Net charge-offs to loans | 0.1006% | 4,674 |
| Credit loss provision to net charge-offs | -108.1081% | 6,315 |
| Earnings coverage of net charge-offs (x) | 74.9189% | 454 |
| Efficiency ratio | 45.7003% | 7,166 |
| Assets per employee ($millions) | 2.5574% | 6,851 |
| Cash dividends to net income (ytd only)* | 143.8849% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0431% | 2,248 |
| Loan loss allowance to noncurrent loans | 226.6968% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.4202% | 6,093 |
| Noncurrent loans to loans | 0.9012% | 5,163 |
| Net loans and leases to total assets | 44.7277% | 6,370 |
| Net loans and leases to deposits | 58.8149% | 5,846 |
| Net loans and leases to core deposits | 62.2870% | 5,879 |
| Total domestic deposits to total assets | 76.0482% | 6,593 |
| Equity capital to assets | 23.7315% | 141 |
| Core capital (leverage) ratio | 21.7548% | 167 |
| Tier 1 risk-based capital ratio | 31.7395% | 464 |
| Total risk-based capital ratio | 32.9911% | 456 |
| Memoranda: | ||
| Average total assets | $163,388,670 | 3,624 |
| Average earning assets | $152,447,670 | 3,590 |
| Average equity | $37,904,670 | 1,767 |
| Average total loans | $73,546,670 | 4,440 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6513% | 167 |
| Cost of funding earning assets | 0.6104% | 6,567 |
| Net interest margin | 6.0409% | 95 |
| Noninterest income to average assets | 0.6686% | 2,736 |
| Noninterest expense to average assets | 2.7595% | 4,602 |
| Loan and lease loss provision to assets | -0.3720% | 7,528 |
| Net operating income to assets | 3.9119% | 79 |
| Return on assets (ROA) | 3.8754% | 81 |
| Pretax return on assets | 3.8754% | 106 |
| Return on Equity (ROE) | 16.8948% | 584 |
| Retained earnings to average equity (ytd only) | -29.7407% | 7,287 |
| Net charge-offs to loans | 0.1251% | 3,773 |
| Credit loss provision to net charge-offs | -665.2174% | 6,017 |
| Earnings coverage of net charge-offs (x) | 63.3043% | 470 |
| Efficiency ratio | 43.8055% | 7,288 |
| Assets per employee ($millions) | 2.6610% | 6,753 |
| Cash dividends to net income (ytd only)* | 276.0351% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9328% | 2,587 |
| Loan loss allowance to noncurrent loans | 208.6181% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.4164% | 6,168 |
| Noncurrent loans to loans | 0.9265% | 5,182 |
| Net loans and leases to total assets | 43.1781% | 6,532 |
| Net loans and leases to deposits | 55.5727% | 6,165 |
| Net loans and leases to core deposits | 58.9378% | 6,186 |
| Total domestic deposits to total assets | 77.6966% | 6,414 |
| Equity capital to assets | 22.1621% | 167 |
| Core capital (leverage) ratio | 20.4913% | 203 |
| Tier 1 risk-based capital ratio | 30.6452% | 491 |
| Total risk-based capital ratio | 31.8964% | 482 |
| Memoranda: | ||
| Average total assets | $164,525,500 | 3,638 |
| Average earning assets | $153,353,500 | 3,588 |
| Average equity | $37,739,500 | 1,765 |
| Average total loans | $73,537,000 | 4,487 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0493% | 141 |
| Cost of funding earning assets | 0.7818% | 6,640 |
| Net interest margin | 6.2675% | 82 |
| Noninterest income to average assets | 0.7186% | 2,723 |
| Noninterest expense to average assets | 2.9333% | 4,093 |
| Loan and lease loss provision to assets | 0.1372% | 5,801 |
| Net operating income to assets | 3.4740% | 50 |
| Return on assets (ROA) | 3.8317% | 45 |
| Pretax return on assets | 3.8317% | 76 |
| Return on Equity (ROE) | 16.4078% | 542 |
| Retained earnings to average equity (ytd only) | 12.1154% | 266 |
| Net charge-offs to loans | 0.1977% | 5,107 |
| Credit loss provision to net charge-offs | 153.1469% | 2,331 |
| Earnings coverage of net charge-offs (x) | 40.3077% | 582 |
| Efficiency ratio | 44.8210% | 7,388 |
| Assets per employee ($millions) | 2.7345% | 6,634 |
| Cash dividends to net income (ytd only)* | 26.1609% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1227% | 2,017 |
| Loan loss allowance to noncurrent loans | 192.2141% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.5187% | 5,993 |
| Noncurrent loans to loans | 1.1043% | 4,891 |
| Net loans and leases to total assets | 44.4044% | 6,680 |
| Net loans and leases to deposits | 58.4268% | 6,216 |
| Net loans and leases to core deposits | 61.7980% | 6,251 |
| Total domestic deposits to total assets | 76.0000% | 6,634 |
| Equity capital to assets | 23.7190% | 142 |
| Core capital (leverage) ratio | 21.4715% | 184 |
| Tier 1 risk-based capital ratio | 34.3457% | 359 |
| Total risk-based capital ratio | 35.6005% | 355 |
| Memoranda: | ||
| Average total assets | $159,615,600 | 3,703 |
| Average earning assets | $148,368,600 | 3,653 |
| Average equity | $37,275,000 | 1,775 |
| Average total loans | $72,349,400 | 4,597 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1194% | 126 |
| Cost of funding earning assets | 0.8155% | 6,711 |
| Net interest margin | 6.3039% | 75 |
| Noninterest income to average assets | 0.7234% | 2,687 |
| Noninterest expense to average assets | 2.8592% | 4,248 |
| Loan and lease loss provision to assets | 0.1405% | 5,626 |
| Net operating income to assets | 3.5826% | 51 |
| Return on assets (ROA) | 4.0385% | 43 |
| Pretax return on assets | 4.0385% | 73 |
| Return on Equity (ROE) | 17.3638% | 548 |
| Retained earnings to average equity (ytd only) | 13.0238% | 347 |
| Net charge-offs to loans | 0.1633% | 5,013 |
| Credit loss provision to net charge-offs | 189.7727% | 1,897 |
| Earnings coverage of net charge-offs (x) | 50.2957% | 565 |
| Efficiency ratio | 43.4377% | 7,484 |
| Assets per employee ($millions) | 2.7946% | 6,596 |
| Cash dividends to net income (ytd only)* | 24.9948% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1483% | 1,893 |
| Loan loss allowance to noncurrent loans | 243.1644% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4033% | 6,413 |
| Noncurrent loans to loans | 0.8835% | 5,466 |
| Net loans and leases to total assets | 43.7307% | 6,862 |
| Net loans and leases to deposits | 57.6293% | 6,491 |
| Net loans and leases to core deposits | 60.6880% | 6,564 |
| Total domestic deposits to total assets | 75.8828% | 6,678 |
| Equity capital to assets | 23.8389% | 148 |
| Core capital (leverage) ratio | 22.2051% | 171 |
| Tier 1 risk-based capital ratio | 33.8905% | 381 |
| Total risk-based capital ratio | 35.1443% | 374 |
| Memoranda: | ||
| Average total assets | $158,502,750 | 3,787 |
| Average earning assets | $147,312,500 | 3,729 |
| Average equity | $36,865,000 | 1,813 |
| Average total loans | $71,828,500 | 4,684 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2822% | 110 |
| Cost of funding earning assets | 0.8281% | 6,823 |
| Net interest margin | 6.4541% | 69 |
| Noninterest income to average assets | 0.7111% | 2,641 |
| Noninterest expense to average assets | 2.8227% | 4,383 |
| Loan and lease loss provision to assets | 0.1087% | 5,824 |
| Net operating income to assets | 3.7704% | 51 |
| Return on assets (ROA) | 4.2500% | 46 |
| Pretax return on assets | 4.2500% | 66 |
| Return on Equity (ROE) | 18.4348% | 430 |
| Retained earnings to average equity (ytd only) | 13.9967% | 308 |
| Net charge-offs to loans | 0.1573% | 4,685 |
| Credit loss provision to net charge-offs | 151.7857% | 2,588 |
| Earnings coverage of net charge-offs (x) | 54.1607% | 558 |
| Efficiency ratio | 42.1183% | 7,587 |
| Assets per employee ($millions) | 2.6659% | 6,835 |
| Cash dividends to net income (ytd only)* | 24.0746% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1016% | 1,959 |
| Loan loss allowance to noncurrent loans | 225.4412% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.4527% | 6,320 |
| Noncurrent loans to loans | 0.9322% | 5,428 |
| Net loans and leases to total assets | 45.4020% | 6,813 |
| Net loans and leases to deposits | 59.6070% | 6,449 |
| Net loans and leases to core deposits | 63.1408% | 6,470 |
| Total domestic deposits to total assets | 76.1689% | 6,656 |
| Equity capital to assets | 23.5806% | 158 |
| Core capital (leverage) ratio | 21.9875% | 179 |
| Tier 1 risk-based capital ratio | 33.8772% | 380 |
| Total risk-based capital ratio | 35.1304% | 376 |
| Memoranda: | ||
| Average total assets | $156,376,330 | 3,852 |
| Average earning assets | $145,149,000 | 3,793 |
| Average equity | $36,051,330 | 1,855 |
| Average total loans | $71,209,000 | 4,749 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5971% | 94 |
| Cost of funding earning assets | 0.8091% | 7,064 |
| Net interest margin | 6.7880% | 68 |
| Noninterest income to average assets | 0.6465% | 2,959 |
| Noninterest expense to average assets | 2.8450% | 4,303 |
| Loan and lease loss provision to assets | 0.1154% | 5,452 |
| Net operating income to assets | 3.9918% | 51 |
| Return on assets (ROA) | 5.2026% | 42 |
| Pretax return on assets | 5.2026% | 53 |
| Return on Equity (ROE) | 22.8298% | 237 |
| Retained earnings to average equity (ytd only) | 18.3269% | 233 |
| Net charge-offs to loans | 0.2161% | 3,627 |
| Credit loss provision to net charge-offs | 118.4211% | 2,950 |
| Earnings coverage of net charge-offs (x) | 42.1316% | 656 |
| Efficiency ratio | 40.9225% | 7,706 |
| Assets per employee ($millions) | 2.6627% | 6,932 |
| Cash dividends to net income (ytd only)* | 19.7239% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1500% | 1,852 |
| Loan loss allowance to noncurrent loans | 276.7399% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.3679% | 6,556 |
| Noncurrent loans to loans | 0.7769% | 5,774 |
| Net loans and leases to total assets | 43.7736% | 7,010 |
| Net loans and leases to deposits | 56.9839% | 6,701 |
| Net loans and leases to core deposits | 60.4518% | 6,708 |
| Total domestic deposits to total assets | 76.8175% | 6,591 |
| Equity capital to assets | 22.9998% | 179 |
| Core capital (leverage) ratio | 21.5928% | 198 |
| Tier 1 risk-based capital ratio | 34.2215% | 377 |
| Total risk-based capital ratio | 35.4814% | 369 |
| Memoranda: | ||
| Average total assets | $155,921,500 | 3,905 |
| Average earning assets | $144,844,000 | 3,856 |
| Average equity | $35,532,500 | 1,893 |
| Average total loans | $70,341,500 | 4,846 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2377% | 67 |
| Cost of funding earning assets | 0.9198% | 7,364 |
| Net interest margin | 7.3179% | 46 |
| Noninterest income to average assets | 0.8006% | 2,402 |
| Noninterest expense to average assets | 3.2446% | 3,209 |
| Loan and lease loss provision to assets | 0.1022% | 6,612 |
| Net operating income to assets | 4.2524% | 35 |
| Return on assets (ROA) | 4.8319% | 28 |
| Pretax return on assets | 4.8319% | 44 |
| Return on Equity (ROE) | 21.7197% | 176 |
| Retained earnings to average equity (ytd only) | 5.9899% | 1,349 |
| Net charge-offs to loans | 0.2947% | 4,787 |
| Credit loss provision to net charge-offs | 74.8718% | 6,403 |
| Earnings coverage of net charge-offs (x) | 31.9077% | 726 |
| Efficiency ratio | 42.6966% | 7,809 |
| Assets per employee ($millions) | 2.7633% | 6,728 |
| Cash dividends to net income (ytd only)* | 72.4218% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1362% | 1,758 |
| Loan loss allowance to noncurrent loans | 250.6667% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4084% | 6,437 |
| Noncurrent loans to loans | 0.8522% | 5,589 |
| Net loans and leases to total assets | 44.5252% | 7,081 |
| Net loans and leases to deposits | 57.7621% | 6,797 |
| Net loans and leases to core deposits | 67.8413% | 6,886 |
| Total domestic deposits to total assets | 77.0837% | 6,459 |
| Equity capital to assets | 22.5744% | 212 |
| Core capital (leverage) ratio | 20.8614% | 247 |
| Tier 1 risk-based capital ratio | 33.3790% | 396 |
| Total risk-based capital ratio | 34.6350% | 385 |
| Memoranda: | ||
| Average total assets | $142,884,800 | 4,058 |
| Average earning assets | $132,743,200 | 4,037 |
| Average equity | $31,786,800 | 2,108 |
| Average total loans | $66,164,600 | 5,011 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3685% | 61 |
| Cost of funding earning assets | 0.9599% | 7,464 |
| Net interest margin | 7.4086% | 42 |
| Noninterest income to average assets | 0.7966% | 2,445 |
| Noninterest expense to average assets | 3.2694% | 3,035 |
| Loan and lease loss provision to assets | 0.2811% | 4,730 |
| Net operating income to assets | 4.1375% | 38 |
| Return on assets (ROA) | 3.3962% | 50 |
| Pretax return on assets | 3.3962% | 75 |
| Return on Equity (ROE) | 15.3285% | 729 |
| Retained earnings to average equity (ytd only) | 10.1674% | 605 |
| Net charge-offs to loans | 0.3420% | 3,926 |
| Credit loss provision to net charge-offs | 176.6467% | 2,616 |
| Earnings coverage of net charge-offs (x) | 27.7666% | 982 |
| Efficiency ratio | 42.5260% | 7,875 |
| Assets per employee ($millions) | 2.5629% | 7,123 |
| Cash dividends to net income (ytd only)* | 33.6700% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4179% | 1,150 |
| Loan loss allowance to noncurrent loans | 323.8921% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 6,503 |
| Noncurrent loans to loans | 0.7465% | 5,817 |
| Net loans and leases to total assets | 46.4401% | 7,075 |
| Net loans and leases to deposits | 61.9918% | 6,675 |
| Net loans and leases to core deposits | 74.1548% | 6,720 |
| Total domestic deposits to total assets | 74.9132% | 6,784 |
| Equity capital to assets | 24.8020% | 177 |
| Core capital (leverage) ratio | 22.7114% | 217 |
| Tier 1 risk-based capital ratio | 35.1816% | 378 |
| Total risk-based capital ratio | 36.4400% | 377 |
| Memoranda: | ||
| Average total assets | $139,919,500 | 4,140 |
| Average earning assets | $130,152,000 | 4,100 |
| Average equity | $31,000,250 | 2,188 |
| Average total loans | $65,104,500 | 5,107 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4261% | 62 |
| Cost of funding earning assets | 1.0023% | 7,551 |
| Net interest margin | 7.4239% | 43 |
| Noninterest income to average assets | 0.8037% | 2,393 |
| Noninterest expense to average assets | 3.3061% | 2,931 |
| Loan and lease loss provision to assets | 0.1828% | 5,208 |
| Net operating income to assets | 4.2027% | 32 |
| Return on assets (ROA) | 2.9058% | 77 |
| Pretax return on assets | 2.9058% | 115 |
| Return on Equity (ROE) | 13.6928% | 1,043 |
| Retained earnings to average equity (ytd only) | 8.2239% | 1,143 |
| Net charge-offs to loans | 0.4872% | 2,878 |
| Credit loss provision to net charge-offs | 81.2903% | 5,154 |
| Earnings coverage of net charge-offs (x) | 19.5032% | 1,363 |
| Efficiency ratio | 42.9838% | 7,956 |
| Assets per employee ($millions) | 2.3903% | 7,442 |
| Cash dividends to net income (ytd only)* | 39.9401% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3557% | 1,035 |
| Loan loss allowance to noncurrent loans | 337.1681% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 6,304 |
| Noncurrent loans to loans | 0.6987% | 5,851 |
| Net loans and leases to total assets | 44.7918% | 7,281 |
| Net loans and leases to deposits | 58.1148% | 7,016 |
| Net loans and leases to core deposits | 69.8873% | 7,021 |
| Total domestic deposits to total assets | 77.0748% | 6,309 |
| Equity capital to assets | 22.6324% | 262 |
| Core capital (leverage) ratio | 22.5563% | 260 |
| Tier 1 risk-based capital ratio | 33.5103% | 459 |
| Total risk-based capital ratio | 34.7674% | 449 |
| Memoranda: | ||
| Average total assets | $137,864,330 | 4,221 |
| Average earning assets | $127,911,330 | 4,185 |
| Average equity | $29,256,330 | 2,321 |
| Average total loans | $63,631,670 | 5,189 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2863% | 73 |
| Cost of funding earning assets | 1.0326% | 7,620 |
| Net interest margin | 7.2537% | 48 |
| Noninterest income to average assets | 0.8306% | 2,174 |
| Noninterest expense to average assets | 3.3783% | 2,420 |
| Loan and lease loss provision to assets | 0.2231% | 4,221 |
| Net operating income to assets | 3.9506% | 34 |
| Return on assets (ROA) | 4.0064% | 38 |
| Pretax return on assets | 4.0064% | 60 |
| Return on Equity (ROE) | 19.5520% | 455 |
| Retained earnings to average equity (ytd only) | 13.8225% | 529 |
| Net charge-offs to loans | 0.3677% | 2,624 |
| Credit loss provision to net charge-offs | 131.0345% | 3,061 |
| Earnings coverage of net charge-offs (x) | 24.5172% | 1,238 |
| Efficiency ratio | 44.7338% | 7,901 |
| Assets per employee ($millions) | 2.3619% | 7,511 |
| Cash dividends to net income (ytd only)* | 29.3040% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4875% | 775 |
| Loan loss allowance to noncurrent loans | 265.3716% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6847% | 5,443 |
| Noncurrent loans to loans | 0.9374% | 5,121 |
| Net loans and leases to total assets | 44.9551% | 7,268 |
| Net loans and leases to deposits | 57.0629% | 7,098 |
| Net loans and leases to core deposits | 68.0494% | 7,130 |
| Total domestic deposits to total assets | 78.7817% | 5,798 |
| Equity capital to assets | 21.0439% | 361 |
| Core capital (leverage) ratio | 22.3262% | 298 |
| Tier 1 risk-based capital ratio | 32.0769% | 527 |
| Total risk-based capital ratio | 33.3320% | 515 |
| Memoranda: | ||
| Average total assets | $136,282,500 | 4,280 |
| Average earning assets | $126,281,000 | 4,237 |
| Average equity | $27,925,500 | 2,423 |
| Average total loans | $63,101,000 | 5,241 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0776% | 176 |
| Cost of funding earning assets | 1.5119% | 7,590 |
| Net interest margin | 6.5657% | 72 |
| Noninterest income to average assets | 0.9076% | 1,928 |
| Noninterest expense to average assets | 3.1845% | 3,391 |
| Loan and lease loss provision to assets | 0.4353% | 3,116 |
| Net operating income to assets | 3.3097% | 55 |
| Return on assets (ROA) | 0.7235% | 3,618 |
| Pretax return on assets | 0.7235% | 4,320 |
| Return on Equity (ROE) | 3.0554% | 5,218 |
| Retained earnings to average equity (ytd only) | -4.3776% | 6,397 |
| Net charge-offs to loans | 0.3524% | 3,068 |
| Credit loss provision to net charge-offs | 264.6789% | 1,750 |
| Earnings coverage of net charge-offs (x) | 22.7706% | 1,450 |
| Efficiency ratio | 45.9554% | 7,933 |
| Assets per employee ($millions) | 2.3785% | 7,438 |
| Cash dividends to net income (ytd only)* | 243.2742% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4632% | 713 |
| Loan loss allowance to noncurrent loans | 91.0317% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.4678% | 3,286 |
| Noncurrent loans to loans | 2.7059% | 2,002 |
| Net loans and leases to total assets | 45.3579% | 7,384 |
| Net loans and leases to deposits | 56.8983% | 7,267 |
| Net loans and leases to core deposits | 67.9334% | 7,290 |
| Total domestic deposits to total assets | 79.7175% | 5,124 |
| Equity capital to assets | 19.9321% | 470 |
| Core capital (leverage) ratio | 20.9997% | 375 |
| Tier 1 risk-based capital ratio | 32.7572% | 519 |
| Total risk-based capital ratio | 34.0232% | 506 |
| Memoranda: | ||
| Average total assets | $132,548,000 | 4,224 |
| Average earning assets | $121,571,000 | 4,222 |
| Average equity | $31,387,400 | 2,152 |
| Average total loans | $61,853,200 | 5,185 |