Home > Peoples Bank of Kentucky, Inc. > Performance and Condition Ratios
Peoples Bank of Kentucky, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0886% | 567 |
| Cost of funding earning assets | 1.6501% | 1,571 |
| Net interest margin | 4.4385% | 670 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.6661% | 1,829 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 1.3266% | 1,375 |
| Return on assets (ROA) | 1.3266% | 1,343 |
| Pretax return on assets | 1.7320% | 1,003 |
| Return on Equity (ROE) | 13.1400% | 1,691 |
| Retained earnings to average equity (ytd only) | 10.8579% | 826 |
| Net charge-offs to loans | 0.0615% | 1,235 |
| Credit loss provision to net charge-offs | 538.1166% | 638 |
| Earnings coverage of net charge-offs (x) | 41.2780% | 1,427 |
| Efficiency ratio | 57.2397% | 3,373 |
| Assets per employee ($millions) | 4.7481% | 3,806 |
| Cash dividends to net income (ytd only)* | 17.3381% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0146% | 365 |
| Loan loss allowance to noncurrent loans | 155.5992% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.9994% | 495 |
| Noncurrent loans to loans | 1.2947% | 541 |
| Net loans and leases to total assets | 75.6300% | 1,162 |
| Net loans and leases to deposits | 89.0354% | 1,335 |
| Net loans and leases to core deposits | 98.7475% | 1,507 |
| Total domestic deposits to total assets | 84.9500% | 2,330 |
| Equity capital to assets | 10.2108% | 1,891 |
| Core capital (leverage) ratio | 10.5319% | 2,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5210% | 1,677 |
| Memoranda: | ||
| Average total assets | $462,171,200 | 1,818 |
| Average earning assets | $428,589,000 | 1,816 |
| Average equity | $46,675,600 | 1,691 |
| Average total loans | $362,578,200 | 1,569 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8857% | 614 |
| Cost of funding earning assets | 1.4988% | 1,609 |
| Net interest margin | 4.3869% | 712 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.5440% | 2,103 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | 1.3735% | 1,379 |
| Return on assets (ROA) | 1.3735% | 1,359 |
| Pretax return on assets | 1.8278% | 968 |
| Return on Equity (ROE) | 13.6400% | 1,755 |
| Retained earnings to average equity (ytd only) | 12.6685% | 859 |
| Net charge-offs to loans | 0.0834% | 892 |
| Credit loss provision to net charge-offs | 400.0000% | 718 |
| Earnings coverage of net charge-offs (x) | 31.8222% | 1,564 |
| Efficiency ratio | 54.8920% | 3,501 |
| Assets per employee ($millions) | 4.7637% | 3,766 |
| Cash dividends to net income (ytd only)* | 7.1216% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9556% | 423 |
| Loan loss allowance to noncurrent loans | 180.1395% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.8341% | 663 |
| Noncurrent loans to loans | 1.0856% | 729 |
| Net loans and leases to total assets | 75.3300% | 1,196 |
| Net loans and leases to deposits | 90.3969% | 1,205 |
| Net loans and leases to core deposits | 98.4963% | 1,418 |
| Total domestic deposits to total assets | 83.3300% | 2,956 |
| Equity capital to assets | 9.8823% | 1,894 |
| Core capital (leverage) ratio | 10.7557% | 2,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $456,638,500 | 1,831 |
| Average earning assets | $423,436,500 | 1,829 |
| Average equity | $45,981,750 | 1,693 |
| Average total loans | $359,765,500 | 1,576 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6767% | 662 |
| Cost of funding earning assets | 1.3740% | 1,520 |
| Net interest margin | 4.3026% | 801 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.4907% | 2,232 |
| Loan and lease loss provision to assets | 0.2700% | 345 |
| Net operating income to assets | 1.3602% | 1,420 |
| Return on assets (ROA) | 1.3602% | 1,403 |
| Pretax return on assets | 1.8110% | 992 |
| Return on Equity (ROE) | 13.4200% | 1,809 |
| Retained earnings to average equity (ytd only) | 11.9446% | 996 |
| Net charge-offs to loans | 0.0724% | 845 |
| Credit loss provision to net charge-offs | 465.1163% | 677 |
| Earnings coverage of net charge-offs (x) | 36.1318% | 1,462 |
| Efficiency ratio | 54.5091% | 3,567 |
| Assets per employee ($millions) | 4.8017% | 3,747 |
| Cash dividends to net income (ytd only)* | 10.9836% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9328% | 470 |
| Loan loss allowance to noncurrent loans | 200.4280% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.7525% | 680 |
| Noncurrent loans to loans | 0.9643% | 781 |
| Net loans and leases to total assets | 76.5300% | 997 |
| Net loans and leases to deposits | 91.3206% | 1,075 |
| Net loans and leases to core deposits | 99.4875% | 1,264 |
| Total domestic deposits to total assets | 83.8000% | 2,872 |
| Equity capital to assets | 9.9873% | 1,869 |
| Core capital (leverage) ratio | 10.7122% | 2,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7606% | 1,633 |
| Memoranda: | ||
| Average total assets | $448,473,000 | 1,858 |
| Average earning assets | $416,441,667 | 1,851 |
| Average equity | $45,460,000 | 1,709 |
| Average total loans | $356,468,000 | 1,573 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3859% | 742 |
| Cost of funding earning assets | 1.2014% | 1,444 |
| Net interest margin | 4.1844% | 974 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.4037% | 2,519 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.3733% | 1,478 |
| Return on assets (ROA) | 1.3733% | 1,451 |
| Pretax return on assets | 1.8298% | 1,019 |
| Return on Equity (ROE) | 13.4400% | 1,895 |
| Retained earnings to average equity (ytd only) | 13.4427% | 1,019 |
| Net charge-offs to loans | 0.0861% | 650 |
| Credit loss provision to net charge-offs | 394.7368% | 611 |
| Earnings coverage of net charge-offs (x) | 30.4211% | 1,301 |
| Efficiency ratio | 53.3401% | 3,671 |
| Assets per employee ($millions) | 4.7872% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8899% | 549 |
| Loan loss allowance to noncurrent loans | 177.1563% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.8594% | 536 |
| Noncurrent loans to loans | 1.0668% | 675 |
| Net loans and leases to total assets | 79.0300% | 637 |
| Net loans and leases to deposits | 93.6807% | 809 |
| Net loans and leases to core deposits | 100.6726% | 1,061 |
| Total domestic deposits to total assets | 84.3700% | 3,006 |
| Equity capital to assets | 10.3065% | 1,668 |
| Core capital (leverage) ratio | 10.8629% | 1,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6583% | 1,745 |
| Memoranda: | ||
| Average total assets | $439,829,000 | 1,907 |
| Average earning assets | $408,180,500 | 1,908 |
| Average equity | $44,931,500 | 1,742 |
| Average total loans | $352,971,500 | 1,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8028% | 429 |
| Cost of funding earning assets | 0.5883% | 946 |
| Net interest margin | 4.2144% | 511 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.6082% | 1,805 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 1.2057% | 1,747 |
| Return on assets (ROA) | 1.2057% | 1,693 |
| Pretax return on assets | 1.5775% | 1,220 |
| Return on Equity (ROE) | 11.3700% | 2,359 |
| Retained earnings to average equity (ytd only) | 9.2324% | 1,409 |
| Net charge-offs to loans | 0.0568% | 1,083 |
| Credit loss provision to net charge-offs | 655.7377% | 562 |
| Earnings coverage of net charge-offs (x) | 41.4317% | 1,480 |
| Efficiency ratio | 58.1890% | 3,313 |
| Assets per employee ($millions) | 4.7222% | 3,875 |
| Cash dividends to net income (ytd only)* | 18.8192% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8872% | 552 |
| Loan loss allowance to noncurrent loans | 186.8301% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.8075% | 584 |
| Noncurrent loans to loans | 1.0101% | 719 |
| Net loans and leases to total assets | 78.4300% | 759 |
| Net loans and leases to deposits | 96.0366% | 635 |
| Net loans and leases to core deposits | 102.4068% | 882 |
| Total domestic deposits to total assets | 81.6700% | 3,668 |
| Equity capital to assets | 10.1226% | 1,650 |
| Core capital (leverage) ratio | 10.9105% | 1,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7454% | 1,713 |
| Memoranda: | ||
| Average total assets | $404,572,600 | 2,014 |
| Average earning assets | $373,785,600 | 2,014 |
| Average equity | $42,892,200 | 1,829 |
| Average total loans | $322,399,400 | 1,630 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6895% | 359 |
| Cost of funding earning assets | 0.5540% | 567 |
| Net interest margin | 4.1355% | 480 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.5198% | 1,956 |
| Loan and lease loss provision to assets | 0.3000% | 236 |
| Net operating income to assets | 1.2003% | 1,688 |
| Return on assets (ROA) | 1.2003% | 1,666 |
| Pretax return on assets | 1.5985% | 1,122 |
| Return on Equity (ROE) | 11.1800% | 2,307 |
| Retained earnings to average equity (ytd only) | 10.1419% | 1,305 |
| Net charge-offs to loans | 0.0831% | 718 |
| Credit loss provision to net charge-offs | 456.8528% | 638 |
| Earnings coverage of net charge-offs (x) | 28.7360% | 1,539 |
| Efficiency ratio | 57.0029% | 3,517 |
| Assets per employee ($millions) | 4.9585% | 3,713 |
| Cash dividends to net income (ytd only)* | 9.3147% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8560% | 657 |
| Loan loss allowance to noncurrent loans | 162.0358% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.9357% | 489 |
| Noncurrent loans to loans | 1.1454% | 645 |
| Net loans and leases to total assets | 80.1800% | 514 |
| Net loans and leases to deposits | 93.7574% | 650 |
| Net loans and leases to core deposits | 99.5213% | 834 |
| Total domestic deposits to total assets | 85.5100% | 3,172 |
| Equity capital to assets | 10.4599% | 1,389 |
| Core capital (leverage) ratio | 11.0295% | 1,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6864% | 1,816 |
| Memoranda: | ||
| Average total assets | $397,104,500 | 2,053 |
| Average earning assets | $366,511,250 | 2,057 |
| Average equity | $42,621,000 | 1,864 |
| Average total loans | $316,176,250 | 1,646 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5650% | 334 |
| Cost of funding earning assets | 0.5567% | 374 |
| Net interest margin | 4.0083% | 487 |
| Noninterest income to average assets | 0.5812% | 1,821 |
| Noninterest expense to average assets | 2.4956% | 1,943 |
| Loan and lease loss provision to assets | 0.3059% | 215 |
| Net operating income to assets | 1.1058% | 1,755 |
| Return on assets (ROA) | 1.1058% | 1,731 |
| Pretax return on assets | 1.4724% | 1,244 |
| Return on Equity (ROE) | 10.2122% | 2,261 |
| Retained earnings to average equity (ytd only) | 8.6443% | 1,386 |
| Net charge-offs to loans | 0.1099% | 550 |
| Credit loss provision to net charge-offs | 352.9412% | 743 |
| Earnings coverage of net charge-offs (x) | 20.5176% | 1,546 |
| Efficiency ratio | 58.3920% | 3,506 |
| Assets per employee ($millions) | 4.8970% | 3,773 |
| Cash dividends to net income (ytd only)* | 15.3527% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8248% | 778 |
| Loan loss allowance to noncurrent loans | 157.9825% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.9681% | 498 |
| Noncurrent loans to loans | 1.1551% | 699 |
| Net loans and leases to total assets | 78.9817% | 483 |
| Net loans and leases to deposits | 92.9107% | 559 |
| Net loans and leases to core deposits | 98.4380% | 741 |
| Total domestic deposits to total assets | 85.0082% | 3,481 |
| Equity capital to assets | 10.4440% | 1,460 |
| Core capital (leverage) ratio | 11.0352% | 1,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8584% | 1,748 |
| Memoranda: | ||
| Average total assets | $392,288,667 | 2,081 |
| Average earning assets | $361,401,333 | 2,097 |
| Average equity | $42,478,667 | 1,914 |
| Average total loans | $309,499,333 | 1,672 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5582% | 281 |
| Cost of funding earning assets | 0.5682% | 321 |
| Net interest margin | 3.9899% | 424 |
| Noninterest income to average assets | 0.5774% | 1,794 |
| Noninterest expense to average assets | 2.3437% | 2,359 |
| Loan and lease loss provision to assets | 0.3115% | 196 |
| Net operating income to assets | 1.1942% | 1,259 |
| Return on assets (ROA) | 1.1942% | 1,255 |
| Pretax return on assets | 1.5898% | 843 |
| Return on Equity (ROE) | 10.8253% | 1,672 |
| Retained earnings to average equity (ytd only) | 10.7782% | 825 |
| Net charge-offs to loans | 0.0652% | 679 |
| Credit loss provision to net charge-offs | 612.2449% | 461 |
| Earnings coverage of net charge-offs (x) | 37.3673% | 1,035 |
| Efficiency ratio | 55.2104% | 3,949 |
| Assets per employee ($millions) | 4.8630% | 3,876 |
| Cash dividends to net income (ytd only)* | 0.4348% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9010% | 741 |
| Loan loss allowance to noncurrent loans | 149.8705% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 1.1271% | 408 |
| Noncurrent loans to loans | 1.2685% | 692 |
| Net loans and leases to total assets | 76.7727% | 458 |
| Net loans and leases to deposits | 88.7871% | 571 |
| Net loans and leases to core deposits | 94.2826% | 725 |
| Total domestic deposits to total assets | 86.4683% | 3,113 |
| Equity capital to assets | 10.9196% | 1,374 |
| Core capital (leverage) ratio | 11.1668% | 1,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2388% | 1,709 |
| Memoranda: | ||
| Average total assets | $385,205,500 | 2,118 |
| Average earning assets | $354,091,000 | 2,136 |
| Average equity | $42,493,000 | 1,963 |
| Average total loans | $300,753,000 | 1,697 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9431% | 277 |
| Cost of funding earning assets | 0.6234% | 485 |
| Net interest margin | 4.3197% | 387 |
| Noninterest income to average assets | 0.5378% | 2,407 |
| Noninterest expense to average assets | 2.3675% | 2,593 |
| Loan and lease loss provision to assets | 0.3291% | 232 |
| Net operating income to assets | 1.3978% | 1,286 |
| Return on assets (ROA) | 1.3978% | 1,339 |
| Pretax return on assets | 1.8261% | 864 |
| Return on Equity (ROE) | 12.3555% | 1,696 |
| Retained earnings to average equity (ytd only) | 5.8954% | 2,406 |
| Net charge-offs to loans | 0.0805% | 999 |
| Credit loss provision to net charge-offs | 519.4805% | 784 |
| Earnings coverage of net charge-offs (x) | 34.0216% | 1,524 |
| Efficiency ratio | 52.3466% | 4,086 |
| Assets per employee ($millions) | 4.9528% | 3,773 |
| Cash dividends to net income (ytd only)* | 52.2857% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8641% | 779 |
| Loan loss allowance to noncurrent loans | 167.8387% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.0022% | 560 |
| Noncurrent loans to loans | 1.1106% | 875 |
| Net loans and leases to total assets | 76.4359% | 491 |
| Net loans and leases to deposits | 89.2495% | 595 |
| Net loans and leases to core deposits | 94.8122% | 742 |
| Total domestic deposits to total assets | 85.6430% | 3,040 |
| Equity capital to assets | 11.1451% | 1,704 |
| Core capital (leverage) ratio | 11.0521% | 1,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0750% | 1,822 |
| Memoranda: | ||
| Average total assets | $364,653,400 | 2,129 |
| Average earning assets | $336,385,600 | 2,154 |
| Average equity | $41,252,800 | 2,039 |
| Average total loans | $286,840,800 | 1,759 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9390% | 339 |
| Cost of funding earning assets | 0.6368% | 527 |
| Net interest margin | 4.3022% | 448 |
| Noninterest income to average assets | 0.5330% | 2,486 |
| Noninterest expense to average assets | 2.2877% | 2,784 |
| Loan and lease loss provision to assets | 0.3329% | 226 |
| Net operating income to assets | 1.4151% | 1,493 |
| Return on assets (ROA) | 1.4151% | 1,555 |
| Pretax return on assets | 1.8834% | 978 |
| Return on Equity (ROE) | 12.4602% | 1,881 |
| Retained earnings to average equity (ytd only) | 6.1096% | 2,774 |
| Net charge-offs to loans | 0.0947% | 767 |
| Credit loss provision to net charge-offs | 445.5446% | 817 |
| Earnings coverage of net charge-offs (x) | 29.6634% | 1,530 |
| Efficiency ratio | 50.7925% | 4,141 |
| Assets per employee ($millions) | 5.0864% | 3,619 |
| Cash dividends to net income (ytd only)* | 50.9671% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8055% | 914 |
| Loan loss allowance to noncurrent loans | 150.6438% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 1.0972% | 576 |
| Noncurrent loans to loans | 1.1985% | 929 |
| Net loans and leases to total assets | 78.1906% | 392 |
| Net loans and leases to deposits | 90.4142% | 586 |
| Net loans and leases to core deposits | 96.5624% | 721 |
| Total domestic deposits to total assets | 86.4805% | 2,567 |
| Equity capital to assets | 11.5292% | 1,652 |
| Core capital (leverage) ratio | 11.1495% | 1,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5090% | 1,792 |
| Memoranda: | ||
| Average total assets | $360,474,500 | 2,171 |
| Average earning assets | $332,719,250 | 2,193 |
| Average equity | $40,940,000 | 2,078 |
| Average total loans | $284,291,000 | 1,803 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9066% | 399 |
| Cost of funding earning assets | 0.6492% | 578 |
| Net interest margin | 4.2574% | 527 |
| Noninterest income to average assets | 0.5070% | 2,596 |
| Noninterest expense to average assets | 2.2858% | 2,810 |
| Loan and lease loss provision to assets | 0.3347% | 234 |
| Net operating income to assets | 1.3722% | 1,646 |
| Return on assets (ROA) | 1.3722% | 1,723 |
| Pretax return on assets | 1.8262% | 1,173 |
| Return on Equity (ROE) | 12.1443% | 2,003 |
| Retained earnings to average equity (ytd only) | 2.5177% | 3,994 |
| Net charge-offs to loans | 0.0270% | 1,415 |
| Credit loss provision to net charge-offs | 1,578.9474% | 343 |
| Earnings coverage of net charge-offs (x) | 101.9474% | 742 |
| Efficiency ratio | 51.4049% | 4,106 |
| Assets per employee ($millions) | 5.1473% | 3,510 |
| Cash dividends to net income (ytd only)* | 79.2683% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8094% | 870 |
| Loan loss allowance to noncurrent loans | 152.0451% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 1.0663% | 698 |
| Noncurrent loans to loans | 1.1901% | 1,010 |
| Net loans and leases to total assets | 76.1743% | 578 |
| Net loans and leases to deposits | 87.6089% | 801 |
| Net loans and leases to core deposits | 93.7604% | 912 |
| Total domestic deposits to total assets | 86.9482% | 2,354 |
| Equity capital to assets | 11.1780% | 1,847 |
| Core capital (leverage) ratio | 10.7457% | 1,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5505% | 1,787 |
| Memoranda: | ||
| Average total assets | $358,560,000 | 2,168 |
| Average earning assets | $331,800,333 | 2,185 |
| Average equity | $40,512,667 | 2,081 |
| Average total loans | $281,850,333 | 1,824 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9973% | 355 |
| Cost of funding earning assets | 0.6684% | 623 |
| Net interest margin | 4.3289% | 491 |
| Noninterest income to average assets | 0.5441% | 2,427 |
| Noninterest expense to average assets | 2.1098% | 3,391 |
| Loan and lease loss provision to assets | 0.3379% | 250 |
| Net operating income to assets | 1.5849% | 1,155 |
| Return on assets (ROA) | 1.5849% | 1,207 |
| Pretax return on assets | 2.1086% | 797 |
| Return on Equity (ROE) | 13.9502% | 1,438 |
| Retained earnings to average equity (ytd only) | -2.1912% | 4,552 |
| Net charge-offs to loans | 0.0342% | 1,138 |
| Credit loss provision to net charge-offs | 1,250.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 90.5000% | 653 |
| Efficiency ratio | 46.3041% | 4,445 |
| Assets per employee ($millions) | 5.1155% | 3,515 |
| Cash dividends to net income (ytd only)* | 115.7072% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7134% | 1,018 |
| Loan loss allowance to noncurrent loans | 172.4457% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.9174% | 927 |
| Noncurrent loans to loans | 0.9936% | 1,353 |
| Net loans and leases to total assets | 76.5041% | 586 |
| Net loans and leases to deposits | 87.9800% | 828 |
| Net loans and leases to core deposits | 94.1181% | 975 |
| Total domestic deposits to total assets | 86.9562% | 2,327 |
| Equity capital to assets | 11.0554% | 1,819 |
| Core capital (leverage) ratio | 11.0817% | 1,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1123% | 1,867 |
| Memoranda: | ||
| Average total assets | $355,110,500 | 2,161 |
| Average earning assets | $329,138,500 | 2,177 |
| Average equity | $40,343,500 | 2,074 |
| Average total loans | $281,017,500 | 1,829 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9982% | 491 |
| Cost of funding earning assets | 0.9873% | 618 |
| Net interest margin | 4.0108% | 952 |
| Noninterest income to average assets | 0.6027% | 2,209 |
| Noninterest expense to average assets | 2.6438% | 2,406 |
| Loan and lease loss provision to assets | 0.2773% | 1,380 |
| Net operating income to assets | 1.1419% | 1,758 |
| Return on assets (ROA) | 1.1419% | 1,884 |
| Pretax return on assets | 1.3813% | 1,717 |
| Return on Equity (ROE) | 9.7748% | 2,081 |
| Retained earnings to average equity (ytd only) | 3.3325% | 3,160 |
| Net charge-offs to loans | 0.0931% | 1,527 |
| Credit loss provision to net charge-offs | 364.5914% | 1,544 |
| Earnings coverage of net charge-offs (x) | 21.8327% | 1,878 |
| Efficiency ratio | 61.4497% | 3,232 |
| Assets per employee ($millions) | 4.8198% | 3,587 |
| Cash dividends to net income (ytd only)* | 65.9073% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 1,205 |
| Loan loss allowance to noncurrent loans | 128.0628% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 1.1786% | 746 |
| Noncurrent loans to loans | 1.2770% | 1,071 |
| Net loans and leases to total assets | 79.1768% | 486 |
| Net loans and leases to deposits | 91.8549% | 790 |
| Net loans and leases to core deposits | 98.7440% | 973 |
| Total domestic deposits to total assets | 86.1977% | 2,276 |
| Equity capital to assets | 11.6805% | 1,744 |
| Core capital (leverage) ratio | 11.2771% | 1,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3446% | 1,728 |
| Memoranda: | ||
| Average total assets | $338,296,800 | 2,104 |
| Average earning assets | $312,055,000 | 2,104 |
| Average equity | $39,519,800 | 2,034 |
| Average total loans | $275,908,400 | 1,795 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0740% | 530 |
| Cost of funding earning assets | 1.0558% | 630 |
| Net interest margin | 4.0181% | 1,072 |
| Noninterest income to average assets | 0.6268% | 2,078 |
| Noninterest expense to average assets | 2.6240% | 2,468 |
| Loan and lease loss provision to assets | 0.2532% | 1,605 |
| Net operating income to assets | 1.1520% | 1,813 |
| Return on assets (ROA) | 1.1520% | 1,928 |
| Pretax return on assets | 1.4542% | 1,563 |
| Return on Equity (ROE) | 9.8606% | 2,064 |
| Retained earnings to average equity (ytd only) | 3.2495% | 3,417 |
| Net charge-offs to loans | 0.0470% | 1,941 |
| Credit loss provision to net charge-offs | 657.7320% | 1,110 |
| Earnings coverage of net charge-offs (x) | 44.3711% | 1,282 |
| Efficiency ratio | 60.5825% | 3,290 |
| Assets per employee ($millions) | 5.1674% | 3,050 |
| Cash dividends to net income (ytd only)* | 67.0455% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5637% | 1,198 |
| Loan loss allowance to noncurrent loans | 118.5810% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.2299% | 799 |
| Noncurrent loans to loans | 1.3186% | 1,122 |
| Net loans and leases to total assets | 80.5327% | 561 |
| Net loans and leases to deposits | 93.2992% | 983 |
| Net loans and leases to core deposits | 100.7625% | 1,107 |
| Total domestic deposits to total assets | 86.3167% | 1,934 |
| Equity capital to assets | 11.6216% | 1,923 |
| Core capital (leverage) ratio | 11.1155% | 1,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1897% | 1,766 |
| Memoranda: | ||
| Average total assets | $336,115,500 | 2,094 |
| Average earning assets | $309,887,500 | 2,100 |
| Average equity | $39,266,250 | 2,039 |
| Average total loans | $275,053,250 | 1,790 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2377% | 532 |
| Cost of funding earning assets | 1.1252% | 658 |
| Net interest margin | 4.1125% | 1,087 |
| Noninterest income to average assets | 0.6017% | 2,123 |
| Noninterest expense to average assets | 2.6194% | 2,598 |
| Loan and lease loss provision to assets | 0.2254% | 1,857 |
| Net operating income to assets | 1.2231% | 1,574 |
| Return on assets (ROA) | 1.2231% | 1,697 |
| Pretax return on assets | 1.5441% | 1,356 |
| Return on Equity (ROE) | 10.4512% | 1,827 |
| Retained earnings to average equity (ytd only) | 0.4519% | 4,222 |
| Net charge-offs to loans | 0.0536% | 1,723 |
| Credit loss provision to net charge-offs | 513.6986% | 1,212 |
| Earnings coverage of net charge-offs (x) | 40.3288% | 1,240 |
| Efficiency ratio | 59.6823% | 3,456 |
| Assets per employee ($millions) | 4.6922% | 3,538 |
| Cash dividends to net income (ytd only)* | 95.6757% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4989% | 1,271 |
| Loan loss allowance to noncurrent loans | 126.6626% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 1.1045% | 1,031 |
| Noncurrent loans to loans | 1.1834% | 1,324 |
| Net loans and leases to total assets | 79.3014% | 683 |
| Net loans and leases to deposits | 91.7135% | 1,193 |
| Net loans and leases to core deposits | 99.1163% | 1,320 |
| Total domestic deposits to total assets | 86.4665% | 1,815 |
| Equity capital to assets | 11.3453% | 2,087 |
| Core capital (leverage) ratio | 11.0351% | 1,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6758% | 1,934 |
| Memoranda: | ||
| Average total assets | $332,748,333 | 2,082 |
| Average earning assets | $306,430,333 | 2,095 |
| Average equity | $38,943,000 | 2,042 |
| Average total loans | $272,322,000 | 1,781 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3400% | 508 |
| Cost of funding earning assets | 1.1954% | 785 |
| Net interest margin | 4.1446% | 1,038 |
| Noninterest income to average assets | 0.7004% | 1,646 |
| Noninterest expense to average assets | 2.6875% | 2,743 |
| Loan and lease loss provision to assets | 0.2286% | 1,355 |
| Net operating income to assets | 1.2583% | 1,358 |
| Return on assets (ROA) | 1.2583% | 1,459 |
| Pretax return on assets | 1.5889% | 1,086 |
| Return on Equity (ROE) | 10.5792% | 1,540 |
| Retained earnings to average equity (ytd only) | -6.1574% | 4,595 |
| Net charge-offs to loans | 0.1146% | 1,016 |
| Credit loss provision to net charge-offs | 244.1558% | 1,303 |
| Earnings coverage of net charge-offs (x) | 19.2078% | 1,440 |
| Efficiency ratio | 59.6563% | 3,788 |
| Assets per employee ($millions) | 4.4126% | 3,393 |
| Cash dividends to net income (ytd only)* | 158.2031% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 1,389 |
| Loan loss allowance to noncurrent loans | 106.1587% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.3230% | 876 |
| Noncurrent loans to loans | 1.3995% | 1,140 |
| Net loans and leases to total assets | 81.2082% | 539 |
| Net loans and leases to deposits | 94.4102% | 1,043 |
| Net loans and leases to core deposits | 102.8181% | 1,257 |
| Total domestic deposits to total assets | 86.0163% | 1,996 |
| Equity capital to assets | 11.7787% | 2,230 |
| Core capital (leverage) ratio | 11.3506% | 2,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1356% | 1,867 |
| Memoranda: | ||
| Average total assets | $325,509,500 | 2,064 |
| Average earning assets | $298,801,500 | 2,086 |
| Average equity | $38,717,500 | 2,036 |
| Average total loans | $268,710,500 | 1,764 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3495% | 747 |
| Cost of funding earning assets | 1.1656% | 1,106 |
| Net interest margin | 4.1839% | 1,352 |
| Noninterest income to average assets | 0.6412% | 2,038 |
| Noninterest expense to average assets | 2.8336% | 2,494 |
| Loan and lease loss provision to assets | 0.2332% | 818 |
| Net operating income to assets | 1.1427% | 2,281 |
| Return on assets (ROA) | 1.1427% | 2,378 |
| Pretax return on assets | 1.4182% | 2,091 |
| Return on Equity (ROE) | 9.6833% | 2,442 |
| Retained earnings to average equity (ytd only) | 3.0512% | 3,502 |
| Net charge-offs to loans | 0.0958% | 1,766 |
| Credit loss provision to net charge-offs | 297.6190% | 941 |
| Earnings coverage of net charge-offs (x) | 21.0754% | 1,904 |
| Efficiency ratio | 62.9576% | 3,223 |
| Assets per employee ($millions) | 4.2696% | 3,549 |
| Cash dividends to net income (ytd only)* | 68.4898% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 1,366 |
| Loan loss allowance to noncurrent loans | 112.5326% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 1.2906% | 862 |
| Noncurrent loans to loans | 1.2880% | 1,173 |
| Net loans and leases to total assets | 81.4712% | 619 |
| Net loans and leases to deposits | 96.1215% | 929 |
| Net loans and leases to core deposits | 103.5467% | 1,264 |
| Total domestic deposits to total assets | 84.7585% | 2,591 |
| Equity capital to assets | 12.0109% | 2,127 |
| Core capital (leverage) ratio | 11.7580% | 1,918 |
| Tier 1 risk-based capital ratio | 13.9015% | 3,314 |
| Total risk-based capital ratio | 15.1538% | 3,224 |
| Memoranda: | ||
| Average total assets | $321,599,600 | 2,025 |
| Average earning assets | $295,467,800 | 2,058 |
| Average equity | $37,951,800 | 2,010 |
| Average total loans | $263,055,000 | 1,759 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3242% | 819 |
| Cost of funding earning assets | 1.1609% | 1,134 |
| Net interest margin | 4.1633% | 1,467 |
| Noninterest income to average assets | 0.6544% | 1,967 |
| Noninterest expense to average assets | 2.8234% | 2,504 |
| Loan and lease loss provision to assets | 0.2339% | 719 |
| Net operating income to assets | 1.1277% | 2,463 |
| Return on assets (ROA) | 1.1277% | 2,552 |
| Pretax return on assets | 1.4223% | 2,215 |
| Return on Equity (ROE) | 9.5993% | 2,622 |
| Retained earnings to average equity (ytd only) | 2.6704% | 4,022 |
| Net charge-offs to loans | 0.0204% | 2,703 |
| Credit loss provision to net charge-offs | 1,407.5000% | 262 |
| Earnings coverage of net charge-offs (x) | 99.6537% | 755 |
| Efficiency ratio | 62.8049% | 3,198 |
| Assets per employee ($millions) | 4.1933% | 3,625 |
| Cash dividends to net income (ytd only)* | 72.1811% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 1,296 |
| Loan loss allowance to noncurrent loans | 99.8724% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 1.4142% | 817 |
| Noncurrent loans to loans | 1.4838% | 1,023 |
| Net loans and leases to total assets | 81.6089% | 615 |
| Net loans and leases to deposits | 96.2204% | 993 |
| Net loans and leases to core deposits | 104.0837% | 1,316 |
| Total domestic deposits to total assets | 84.8146% | 2,493 |
| Equity capital to assets | 12.1087% | 2,181 |
| Core capital (leverage) ratio | 11.8280% | 1,979 |
| Tier 1 risk-based capital ratio | 13.9440% | 3,357 |
| Total risk-based capital ratio | 15.1968% | 3,269 |
| Memoranda: | ||
| Average total assets | $320,877,250 | 2,040 |
| Average earning assets | $294,823,000 | 2,067 |
| Average equity | $37,696,250 | 2,031 |
| Average total loans | $261,755,500 | 1,781 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2661% | 872 |
| Cost of funding earning assets | 1.1536% | 1,124 |
| Net interest margin | 4.1125% | 1,574 |
| Noninterest income to average assets | 0.6710% | 1,833 |
| Noninterest expense to average assets | 2.6822% | 2,968 |
| Loan and lease loss provision to assets | 0.2332% | 687 |
| Net operating income to assets | 1.2139% | 2,096 |
| Return on assets (ROA) | 1.2139% | 2,157 |
| Pretax return on assets | 1.5311% | 1,753 |
| Return on Equity (ROE) | 10.4389% | 2,203 |
| Retained earnings to average equity (ytd only) | -0.0374% | 4,689 |
| Net charge-offs to loans | 0.0268% | 2,315 |
| Credit loss provision to net charge-offs | 1,071.4286% | 323 |
| Earnings coverage of net charge-offs (x) | 81.0571% | 811 |
| Efficiency ratio | 60.0979% | 3,715 |
| Assets per employee ($millions) | 4.1479% | 3,648 |
| Cash dividends to net income (ytd only)* | 100.3586% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 1,542 |
| Loan loss allowance to noncurrent loans | 89.3627% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.6334% | 657 |
| Noncurrent loans to loans | 1.5844% | 966 |
| Net loans and leases to total assets | 81.3148% | 693 |
| Net loans and leases to deposits | 98.1835% | 821 |
| Net loans and leases to core deposits | 105.8460% | 1,253 |
| Total domestic deposits to total assets | 82.8192% | 3,264 |
| Equity capital to assets | 11.8377% | 2,313 |
| Core capital (leverage) ratio | 11.5246% | 2,141 |
| Tier 1 risk-based capital ratio | 13.5639% | 3,542 |
| Total risk-based capital ratio | 14.8156% | 3,446 |
| Memoranda: | ||
| Average total assets | $321,607,330 | 2,039 |
| Average earning assets | $295,246,330 | 2,068 |
| Average equity | $37,398,670 | 2,042 |
| Average total loans | $261,011,000 | 1,789 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1362% | 1,029 |
| Cost of funding earning assets | 1.1238% | 1,111 |
| Net interest margin | 4.0123% | 1,817 |
| Noninterest income to average assets | 0.6681% | 1,738 |
| Noninterest expense to average assets | 2.7144% | 2,865 |
| Loan and lease loss provision to assets | 0.2330% | 645 |
| Net operating income to assets | 1.1155% | 2,409 |
| Return on assets (ROA) | 1.1155% | 2,457 |
| Pretax return on assets | 1.4068% | 2,061 |
| Return on Equity (ROE) | 9.6790% | 2,503 |
| Retained earnings to average equity (ytd only) | -7.8185% | 5,025 |
| Net charge-offs to loans | 0.0015% | 2,708 |
| Credit loss provision to net charge-offs | 18,800.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 1,323.0000% | 37 |
| Efficiency ratio | 62.1122% | 3,518 |
| Assets per employee ($millions) | 4.2574% | 3,534 |
| Cash dividends to net income (ytd only)* | 180.7778% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 1,782 |
| Loan loss allowance to noncurrent loans | 80.0179% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.7083% | 644 |
| Noncurrent loans to loans | 1.7133% | 896 |
| Net loans and leases to total assets | 78.4762% | 1,078 |
| Net loans and leases to deposits | 93.5991% | 1,220 |
| Net loans and leases to core deposits | 99.9425% | 1,628 |
| Total domestic deposits to total assets | 83.8429% | 3,100 |
| Equity capital to assets | 11.2583% | 2,597 |
| Core capital (leverage) ratio | 11.1592% | 2,419 |
| Tier 1 risk-based capital ratio | 13.3738% | 3,682 |
| Total risk-based capital ratio | 14.6249% | 3,588 |
| Memoranda: | ||
| Average total assets | $322,718,000 | 2,046 |
| Average earning assets | $296,485,000 | 2,071 |
| Average equity | $37,194,000 | 2,049 |
| Average total loans | $259,797,500 | 1,808 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9282% | 1,208 |
| Cost of funding earning assets | 0.8101% | 1,473 |
| Net interest margin | 4.1181% | 1,626 |
| Noninterest income to average assets | 0.7295% | 1,734 |
| Noninterest expense to average assets | 2.7921% | 2,719 |
| Loan and lease loss provision to assets | 0.2491% | 691 |
| Net operating income to assets | 1.1903% | 2,223 |
| Return on assets (ROA) | 1.1903% | 2,218 |
| Pretax return on assets | 1.4590% | 1,920 |
| Return on Equity (ROE) | 9.9099% | 2,554 |
| Retained earnings to average equity (ytd only) | 7.4705% | 1,468 |
| Net charge-offs to loans | 0.3861% | 486 |
| Credit loss provision to net charge-offs | 80.5585% | 2,854 |
| Earnings coverage of net charge-offs (x) | 5.5231% | 3,188 |
| Efficiency ratio | 61.7258% | 3,577 |
| Assets per employee ($millions) | 4.1249% | 3,710 |
| Cash dividends to net income (ytd only)* | 24.6162% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 1,990 |
| Loan loss allowance to noncurrent loans | 77.2562% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.6573% | 661 |
| Noncurrent loans to loans | 1.6958% | 856 |
| Net loans and leases to total assets | 80.4016% | 880 |
| Net loans and leases to deposits | 98.6400% | 840 |
| Net loans and leases to core deposits | 104.9942% | 1,343 |
| Total domestic deposits to total assets | 81.5101% | 3,788 |
| Equity capital to assets | 11.8007% | 2,032 |
| Core capital (leverage) ratio | 11.6196% | 2,011 |
| Tier 1 risk-based capital ratio | 13.7889% | 3,391 |
| Total risk-based capital ratio | 15.0396% | 3,322 |
| Memoranda: | ||
| Average total assets | $301,023,800 | 2,150 |
| Average earning assets | $275,638,600 | 2,161 |
| Average equity | $36,155,600 | 2,026 |
| Average total loans | $241,144,200 | 1,874 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8519% | 1,298 |
| Cost of funding earning assets | 0.7514% | 1,576 |
| Net interest margin | 4.1005% | 1,630 |
| Noninterest income to average assets | 0.6876% | 1,907 |
| Noninterest expense to average assets | 2.7513% | 2,808 |
| Loan and lease loss provision to assets | 0.2524% | 621 |
| Net operating income to assets | 1.1340% | 2,516 |
| Return on assets (ROA) | 1.1340% | 2,532 |
| Pretax return on assets | 1.4363% | 2,101 |
| Return on Equity (ROE) | 9.3975% | 2,906 |
| Retained earnings to average equity (ytd only) | 8.1470% | 1,581 |
| Net charge-offs to loans | 0.4393% | 360 |
| Credit loss provision to net charge-offs | 72.0513% | 2,611 |
| Earnings coverage of net charge-offs (x) | 4.8205% | 3,018 |
| Efficiency ratio | 61.6427% | 3,564 |
| Assets per employee ($millions) | 4.1030% | 3,723 |
| Cash dividends to net income (ytd only)* | 13.3070% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 1,919 |
| Loan loss allowance to noncurrent loans | 77.8319% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.9761% | 538 |
| Noncurrent loans to loans | 1.7200% | 904 |
| Net loans and leases to total assets | 79.2443% | 1,125 |
| Net loans and leases to deposits | 98.2697% | 932 |
| Net loans and leases to core deposits | 104.1043% | 1,446 |
| Total domestic deposits to total assets | 80.6396% | 3,973 |
| Equity capital to assets | 11.7940% | 2,034 |
| Core capital (leverage) ratio | 11.7647% | 1,946 |
| Tier 1 risk-based capital ratio | 13.7846% | 3,471 |
| Total risk-based capital ratio | 15.0352% | 3,382 |
| Memoranda: | ||
| Average total assets | $296,875,500 | 2,185 |
| Average earning assets | $271,669,250 | 2,196 |
| Average equity | $35,824,250 | 2,046 |
| Average total loans | $236,740,500 | 1,910 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8104% | 1,218 |
| Cost of funding earning assets | 0.6923% | 1,663 |
| Net interest margin | 4.1181% | 1,494 |
| Noninterest income to average assets | 0.6914% | 1,906 |
| Noninterest expense to average assets | 2.6688% | 3,110 |
| Loan and lease loss provision to assets | 0.2569% | 601 |
| Net operating income to assets | 1.2114% | 2,148 |
| Return on assets (ROA) | 1.2114% | 2,144 |
| Pretax return on assets | 1.5355% | 1,696 |
| Return on Equity (ROE) | 9.9587% | 2,577 |
| Retained earnings to average equity (ytd only) | 8.0661% | 1,601 |
| Net charge-offs to loans | 0.0379% | 2,095 |
| Credit loss provision to net charge-offs | 852.2727% | 472 |
| Earnings coverage of net charge-offs (x) | 59.4545% | 1,005 |
| Efficiency ratio | 59.4840% | 4,014 |
| Assets per employee ($millions) | 4.0376% | 3,837 |
| Cash dividends to net income (ytd only)* | 19.0045% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6024% | 1,102 |
| Loan loss allowance to noncurrent loans | 107.7603% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 1.9688% | 551 |
| Noncurrent loans to loans | 1.4870% | 1,131 |
| Net loans and leases to total assets | 79.1275% | 1,146 |
| Net loans and leases to deposits | 96.4602% | 1,100 |
| Net loans and leases to core deposits | 101.1567% | 1,641 |
| Total domestic deposits to total assets | 82.0312% | 3,716 |
| Equity capital to assets | 11.9084% | 1,920 |
| Core capital (leverage) ratio | 11.9564% | 1,743 |
| Tier 1 risk-based capital ratio | 13.9816% | 3,369 |
| Total risk-based capital ratio | 15.2355% | 3,294 |
| Memoranda: | ||
| Average total assets | $291,891,670 | 2,221 |
| Average earning assets | $267,212,330 | 2,228 |
| Average equity | $35,506,670 | 2,070 |
| Average total loans | $232,168,000 | 1,941 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 1,104 |
| Cost of funding earning assets | 0.6556% | 1,689 |
| Net interest margin | 4.1336% | 1,358 |
| Noninterest income to average assets | 0.7499% | 1,622 |
| Noninterest expense to average assets | 2.6534% | 3,184 |
| Loan and lease loss provision to assets | 0.2611% | 548 |
| Net operating income to assets | 1.2820% | 1,710 |
| Return on assets (ROA) | 1.2820% | 1,714 |
| Pretax return on assets | 1.6214% | 1,331 |
| Return on Equity (ROE) | 10.4231% | 2,217 |
| Retained earnings to average equity (ytd only) | 10.4231% | 1,037 |
| Net charge-offs to loans | -0.0106% | 4,267 |
| Credit loss provision to net charge-offs | -3,116.6667% | 4,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1589% | 4,318 |
| Assets per employee ($millions) | 4.0369% | 3,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6334% | 1,087 |
| Loan loss allowance to noncurrent loans | 112.8636% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.9532% | 590 |
| Noncurrent loans to loans | 1.4472% | 1,224 |
| Net loans and leases to total assets | 77.9876% | 1,241 |
| Net loans and leases to deposits | 91.0210% | 1,559 |
| Net loans and leases to core deposits | 95.8757% | 1,986 |
| Total domestic deposits to total assets | 85.6810% | 2,681 |
| Equity capital to assets | 12.2444% | 1,639 |
| Core capital (leverage) ratio | 12.1240% | 1,577 |
| Tier 1 risk-based capital ratio | 14.3696% | 3,183 |
| Total risk-based capital ratio | 15.6235% | 3,100 |
| Memoranda: | ||
| Average total assets | $286,427,500 | 2,269 |
| Average earning assets | $262,336,500 | 2,285 |
| Average equity | $35,229,500 | 2,085 |
| Average total loans | $226,494,000 | 1,989 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6485% | 1,312 |
| Cost of funding earning assets | 0.4961% | 2,369 |
| Net interest margin | 4.1523% | 1,296 |
| Noninterest income to average assets | 0.7024% | 1,953 |
| Noninterest expense to average assets | 2.8125% | 2,729 |
| Loan and lease loss provision to assets | 0.2470% | 766 |
| Net operating income to assets | 0.9159% | 2,622 |
| Return on assets (ROA) | 0.9159% | 2,646 |
| Pretax return on assets | 1.4489% | 1,819 |
| Return on Equity (ROE) | 7.5531% | 3,012 |
| Retained earnings to average equity (ytd only) | 5.1295% | 2,043 |
| Net charge-offs to loans | 0.4208% | 587 |
| Credit loss provision to net charge-offs | 75.5940% | 3,005 |
| Earnings coverage of net charge-offs (x) | 5.1911% | 3,364 |
| Efficiency ratio | 61.9610% | 3,946 |
| Assets per employee ($millions) | 4.0314% | 3,913 |
| Cash dividends to net income (ytd only)* | 32.0878% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6041% | 1,139 |
| Loan loss allowance to noncurrent loans | 98.2118% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.7250% | 737 |
| Noncurrent loans to loans | 1.6333% | 1,010 |
| Net loans and leases to total assets | 77.5971% | 1,338 |
| Net loans and leases to deposits | 92.3900% | 1,471 |
| Net loans and leases to core deposits | 97.0871% | 1,939 |
| Total domestic deposits to total assets | 83.9887% | 3,213 |
| Equity capital to assets | 12.3565% | 1,600 |
| Core capital (leverage) ratio | 11.8994% | 1,663 |
| Tier 1 risk-based capital ratio | 14.5966% | 3,044 |
| Total risk-based capital ratio | 15.8503% | 2,968 |
| Memoranda: | ||
| Average total assets | $283,447,000 | 2,269 |
| Average earning assets | $259,805,600 | 2,284 |
| Average equity | $34,370,000 | 2,115 |
| Average total loans | $220,072,200 | 1,997 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6191% | 1,321 |
| Cost of funding earning assets | 0.4824% | 2,413 |
| Net interest margin | 4.1368% | 1,300 |
| Noninterest income to average assets | 0.7043% | 1,980 |
| Noninterest expense to average assets | 2.8112% | 2,689 |
| Loan and lease loss provision to assets | 0.1410% | 1,502 |
| Net operating income to assets | 1.0624% | 2,272 |
| Return on assets (ROA) | 1.0624% | 2,307 |
| Pretax return on assets | 1.5440% | 1,600 |
| Return on Equity (ROE) | 8.8030% | 2,723 |
| Retained earnings to average equity (ytd only) | 7.5221% | 1,422 |
| Net charge-offs to loans | 0.3275% | 641 |
| Credit loss provision to net charge-offs | 55.6586% | 2,851 |
| Earnings coverage of net charge-offs (x) | 6.6530% | 2,959 |
| Efficiency ratio | 62.1068% | 3,866 |
| Assets per employee ($millions) | 4.1504% | 3,739 |
| Cash dividends to net income (ytd only)* | 14.5512% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6161% | 1,201 |
| Loan loss allowance to noncurrent loans | 101.9192% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.6469% | 887 |
| Noncurrent loans to loans | 1.5857% | 1,170 |
| Net loans and leases to total assets | 76.7466% | 1,461 |
| Net loans and leases to deposits | 92.5136% | 1,493 |
| Net loans and leases to core deposits | 97.6877% | 1,909 |
| Total domestic deposits to total assets | 82.9572% | 3,467 |
| Equity capital to assets | 12.4930% | 1,659 |
| Core capital (leverage) ratio | 11.9204% | 1,744 |
| Tier 1 risk-based capital ratio | 14.6776% | 3,083 |
| Total risk-based capital ratio | 15.9312% | 3,003 |
| Memoranda: | ||
| Average total assets | $283,758,750 | 2,276 |
| Average earning assets | $260,100,250 | 2,296 |
| Average equity | $34,245,000 | 2,134 |
| Average total loans | $219,453,000 | 2,010 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5338% | 1,427 |
| Cost of funding earning assets | 0.4773% | 2,351 |
| Net interest margin | 4.0565% | 1,445 |
| Noninterest income to average assets | 0.6832% | 2,066 |
| Noninterest expense to average assets | 2.6806% | 3,161 |
| Loan and lease loss provision to assets | 0.1407% | 1,459 |
| Net operating income to assets | 1.0933% | 2,009 |
| Return on assets (ROA) | 1.0933% | 2,066 |
| Pretax return on assets | 1.5809% | 1,403 |
| Return on Equity (ROE) | 9.1662% | 2,427 |
| Retained earnings to average equity (ytd only) | 7.2256% | 1,485 |
| Net charge-offs to loans | 0.0976% | 1,645 |
| Credit loss provision to net charge-offs | 186.9159% | 1,333 |
| Earnings coverage of net charge-offs (x) | 22.8692% | 1,693 |
| Efficiency ratio | 60.4603% | 4,251 |
| Assets per employee ($millions) | 3.9917% | 3,968 |
| Cash dividends to net income (ytd only)* | 21.1712% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7681% | 948 |
| Loan loss allowance to noncurrent loans | 94.3946% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.7621% | 794 |
| Noncurrent loans to loans | 1.8731% | 938 |
| Net loans and leases to total assets | 76.2566% | 1,507 |
| Net loans and leases to deposits | 91.4774% | 1,559 |
| Net loans and leases to core deposits | 96.3526% | 1,953 |
| Total domestic deposits to total assets | 83.3611% | 3,445 |
| Equity capital to assets | 12.1895% | 1,794 |
| Core capital (leverage) ratio | 11.7382% | 1,805 |
| Tier 1 risk-based capital ratio | 14.5123% | 3,162 |
| Total risk-based capital ratio | 15.7678% | 3,080 |
| Memoranda: | ||
| Average total assets | $284,268,330 | 2,284 |
| Average earning assets | $260,620,330 | 2,295 |
| Average equity | $33,907,000 | 2,147 |
| Average total loans | $219,217,330 | 2,016 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4954% | 1,384 |
| Cost of funding earning assets | 0.4852% | 2,208 |
| Net interest margin | 4.0102% | 1,443 |
| Noninterest income to average assets | 0.7432% | 1,770 |
| Noninterest expense to average assets | 2.7088% | 3,113 |
| Loan and lease loss provision to assets | 0.1405% | 1,344 |
| Net operating income to assets | 1.0875% | 1,922 |
| Return on assets (ROA) | 1.0875% | 1,966 |
| Pretax return on assets | 1.5750% | 1,299 |
| Return on Equity (ROE) | 9.2177% | 2,308 |
| Retained earnings to average equity (ytd only) | 9.2177% | 1,011 |
| Net charge-offs to loans | 0.1225% | 1,185 |
| Credit loss provision to net charge-offs | 149.2537% | 1,220 |
| Earnings coverage of net charge-offs (x) | 18.2239% | 1,573 |
| Efficiency ratio | 60.8130% | 4,345 |
| Assets per employee ($millions) | 4.0119% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7542% | 1,047 |
| Loan loss allowance to noncurrent loans | 96.3764% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.7262% | 857 |
| Noncurrent loans to loans | 1.8202% | 1,027 |
| Net loans and leases to total assets | 75.3038% | 1,526 |
| Net loans and leases to deposits | 87.8396% | 1,824 |
| Net loans and leases to core deposits | 92.6882% | 2,102 |
| Total domestic deposits to total assets | 85.7288% | 2,784 |
| Equity capital to assets | 11.9447% | 1,878 |
| Core capital (leverage) ratio | 11.4420% | 1,993 |
| Tier 1 risk-based capital ratio | 14.4466% | 3,233 |
| Total risk-based capital ratio | 15.7022% | 3,156 |
| Memoranda: | ||
| Average total assets | $284,698,000 | 2,293 |
| Average earning assets | $261,335,500 | 2,311 |
| Average equity | $33,587,500 | 2,170 |
| Average total loans | $218,822,000 | 2,036 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5249% | 1,462 |
| Cost of funding earning assets | 0.4856% | 2,199 |
| Net interest margin | 4.0393% | 1,525 |
| Noninterest income to average assets | 0.6991% | 2,176 |
| Noninterest expense to average assets | 2.8478% | 2,851 |
| Loan and lease loss provision to assets | 0.1440% | 1,739 |
| Net operating income to assets | 0.9737% | 2,472 |
| Return on assets (ROA) | 0.9737% | 2,576 |
| Pretax return on assets | 1.4111% | 1,898 |
| Return on Equity (ROE) | 8.2049% | 2,829 |
| Retained earnings to average equity (ytd only) | 4.0190% | 3,059 |
| Net charge-offs to loans | 0.1534% | 1,730 |
| Credit loss provision to net charge-offs | 120.8459% | 2,197 |
| Earnings coverage of net charge-offs (x) | 13.0514% | 2,400 |
| Efficiency ratio | 64.1812% | 3,911 |
| Assets per employee ($millions) | 4.0650% | 3,844 |
| Cash dividends to net income (ytd only)* | 51.0166% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 1,079 |
| Loan loss allowance to noncurrent loans | 94.5704% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.7649% | 849 |
| Noncurrent loans to loans | 1.8307% | 1,036 |
| Net loans and leases to total assets | 75.7396% | 1,552 |
| Net loans and leases to deposits | 91.5275% | 1,510 |
| Net loans and leases to core deposits | 94.8883% | 2,019 |
| Total domestic deposits to total assets | 82.7507% | 3,843 |
| Equity capital to assets | 11.6503% | 2,043 |
| Core capital (leverage) ratio | 11.1235% | 2,233 |
| Tier 1 risk-based capital ratio | 14.0551% | 3,433 |
| Total risk-based capital ratio | 15.3104% | 3,344 |
| Memoranda: | ||
| Average total assets | $277,796,400 | 2,301 |
| Average earning assets | $254,722,400 | 2,323 |
| Average equity | $32,968,200 | 2,182 |
| Average total loans | $215,818,200 | 2,004 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5717% | 1,353 |
| Cost of funding earning assets | 0.4926% | 2,150 |
| Net interest margin | 4.0791% | 1,446 |
| Noninterest income to average assets | 0.7103% | 2,124 |
| Noninterest expense to average assets | 2.8500% | 2,826 |
| Loan and lease loss provision to assets | 0.0773% | 2,679 |
| Net operating income to assets | 1.0648% | 2,148 |
| Return on assets (ROA) | 1.0648% | 2,253 |
| Pretax return on assets | 1.5216% | 1,647 |
| Return on Equity (ROE) | 8.9299% | 2,533 |
| Retained earnings to average equity (ytd only) | 6.0342% | 2,172 |
| Net charge-offs to loans | 0.0912% | 2,048 |
| Credit loss provision to net charge-offs | 108.8435% | 2,235 |
| Earnings coverage of net charge-offs (x) | 22.5233% | 1,754 |
| Efficiency ratio | 63.5732% | 3,989 |
| Assets per employee ($millions) | 4.0706% | 3,836 |
| Cash dividends to net income (ytd only)* | 32.4263% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7194% | 1,171 |
| Loan loss allowance to noncurrent loans | 92.7827% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.7646% | 943 |
| Noncurrent loans to loans | 1.8532% | 1,090 |
| Net loans and leases to total assets | 75.0432% | 1,696 |
| Net loans and leases to deposits | 89.9360% | 1,763 |
| Net loans and leases to core deposits | 93.4086% | 2,242 |
| Total domestic deposits to total assets | 83.4406% | 3,430 |
| Equity capital to assets | 11.8223% | 2,238 |
| Core capital (leverage) ratio | 11.3439% | 2,160 |
| Tier 1 risk-based capital ratio | 14.1014% | 3,504 |
| Total risk-based capital ratio | 15.3564% | 3,426 |
| Memoranda: | ||
| Average total assets | $276,108,000 | 2,317 |
| Average earning assets | $253,057,750 | 2,350 |
| Average equity | $32,922,500 | 2,196 |
| Average total loans | $214,944,250 | 2,012 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6884% | 1,072 |
| Cost of funding earning assets | 0.4973% | 2,117 |
| Net interest margin | 4.1911% | 1,134 |
| Noninterest income to average assets | 0.6920% | 2,180 |
| Noninterest expense to average assets | 2.7803% | 3,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2265% | 1,513 |
| Return on assets (ROA) | 1.2265% | 1,609 |
| Pretax return on assets | 1.7559% | 969 |
| Return on Equity (ROE) | 10.2836% | 1,932 |
| Retained earnings to average equity (ytd only) | 6.6122% | 1,807 |
| Net charge-offs to loans | 0.1439% | 1,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 15.5714% | 1,985 |
| Efficiency ratio | 60.8071% | 4,539 |
| Assets per employee ($millions) | 4.0882% | 3,758 |
| Cash dividends to net income (ytd only)* | 35.7015% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6639% | 1,354 |
| Loan loss allowance to noncurrent loans | 85.9755% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.8952% | 885 |
| Noncurrent loans to loans | 1.9353% | 1,040 |
| Net loans and leases to total assets | 74.8787% | 1,675 |
| Net loans and leases to deposits | 88.3169% | 1,948 |
| Net loans and leases to core deposits | 90.7452% | 2,462 |
| Total domestic deposits to total assets | 84.7841% | 2,968 |
| Equity capital to assets | 11.6787% | 2,379 |
| Core capital (leverage) ratio | 11.4724% | 2,015 |
| Tier 1 risk-based capital ratio | 13.9437% | 3,634 |
| Total risk-based capital ratio | 15.1982% | 3,553 |
| Memoranda: | ||
| Average total assets | $273,139,670 | 2,353 |
| Average earning assets | $250,533,330 | 2,378 |
| Average equity | $32,576,000 | 2,218 |
| Average total loans | $214,068,330 | 2,021 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0723% | 514 |
| Cost of funding earning assets | 0.5150% | 1,985 |
| Net interest margin | 4.5573% | 544 |
| Noninterest income to average assets | 0.7429% | 1,846 |
| Noninterest expense to average assets | 2.8005% | 3,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4769% | 895 |
| Return on assets (ROA) | 1.4769% | 938 |
| Pretax return on assets | 2.1186% | 445 |
| Return on Equity (ROE) | 12.2499% | 1,232 |
| Retained earnings to average equity (ytd only) | 12.2499% | 471 |
| Net charge-offs to loans | 0.1198% | 1,396 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 22.2344% | 1,412 |
| Efficiency ratio | 56.4770% | 5,152 |
| Assets per employee ($millions) | 3.7978% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7273% | 1,295 |
| Loan loss allowance to noncurrent loans | 94.3115% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.7235% | 1,109 |
| Noncurrent loans to loans | 1.8315% | 1,213 |
| Net loans and leases to total assets | 78.4136% | 1,043 |
| Net loans and leases to deposits | 92.4410% | 1,289 |
| Net loans and leases to core deposits | 95.0393% | 1,886 |
| Total domestic deposits to total assets | 84.8255% | 3,195 |
| Equity capital to assets | 12.3123% | 1,820 |
| Core capital (leverage) ratio | 11.5267% | 1,954 |
| Tier 1 risk-based capital ratio | 14.2135% | 3,557 |
| Total risk-based capital ratio | 15.4688% | 3,485 |
| Memoranda: | ||
| Average total assets | $268,666,000 | 2,398 |
| Average earning assets | $246,200,000 | 2,420 |
| Average equity | $32,392,000 | 2,227 |
| Average total loans | $213,704,000 | 2,024 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5915% | 1,359 |
| Cost of funding earning assets | 0.5157% | 2,027 |
| Net interest margin | 4.0758% | 1,472 |
| Noninterest income to average assets | 0.7607% | 1,932 |
| Noninterest expense to average assets | 3.1027% | 2,230 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9684% | 2,531 |
| Return on assets (ROA) | 0.9684% | 2,604 |
| Pretax return on assets | 1.3946% | 1,926 |
| Return on Equity (ROE) | 8.0773% | 2,920 |
| Retained earnings to average equity (ytd only) | 5.5547% | 2,048 |
| Net charge-offs to loans | 0.0489% | 3,223 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 36.1584% | 1,275 |
| Efficiency ratio | 68.2856% | 3,512 |
| Assets per employee ($millions) | 3.5722% | 4,685 |
| Cash dividends to net income (ytd only)* | 31.2303% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7317% | 1,283 |
| Loan loss allowance to noncurrent loans | 78.4512% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 2.0060% | 877 |
| Noncurrent loans to loans | 2.2073% | 896 |
| Net loans and leases to total assets | 77.9254% | 1,133 |
| Net loans and leases to deposits | 95.4102% | 1,078 |
| Net loans and leases to core deposits | 99.0148% | 1,590 |
| Total domestic deposits to total assets | 81.6741% | 4,272 |
| Equity capital to assets | 11.8062% | 2,105 |
| Core capital (leverage) ratio | 11.3816% | 2,057 |
| Tier 1 risk-based capital ratio | 13.8088% | 3,821 |
| Total risk-based capital ratio | 15.0642% | 3,746 |
| Memoranda: | ||
| Average total assets | $261,865,000 | 2,410 |
| Average earning assets | $240,074,400 | 2,426 |
| Average equity | $31,396,600 | 2,229 |
| Average total loans | $206,685,200 | 2,012 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5142% | 1,554 |
| Cost of funding earning assets | 0.5241% | 2,006 |
| Net interest margin | 3.9902% | 1,732 |
| Noninterest income to average assets | 0.7652% | 1,957 |
| Noninterest expense to average assets | 3.0360% | 2,408 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9697% | 2,622 |
| Return on assets (ROA) | 0.9697% | 2,706 |
| Pretax return on assets | 1.3875% | 2,068 |
| Return on Equity (ROE) | 8.0555% | 3,046 |
| Retained earnings to average equity (ytd only) | 6.6723% | 1,850 |
| Net charge-offs to loans | 0.0156% | 3,641 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 112.4972% | 567 |
| Efficiency ratio | 67.9136% | 3,561 |
| Assets per employee ($millions) | 3.4028% | 4,975 |
| Cash dividends to net income (ytd only)* | 17.1701% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8225% | 1,223 |
| Loan loss allowance to noncurrent loans | 78.6807% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 2.0930% | 945 |
| Noncurrent loans to loans | 2.3163% | 919 |
| Net loans and leases to total assets | 78.2311% | 1,067 |
| Net loans and leases to deposits | 94.1484% | 1,186 |
| Net loans and leases to core deposits | 97.7729% | 1,718 |
| Total domestic deposits to total assets | 83.0934% | 3,783 |
| Equity capital to assets | 12.2115% | 1,947 |
| Core capital (leverage) ratio | 11.7052% | 1,881 |
| Tier 1 risk-based capital ratio | 14.1123% | 3,790 |
| Total risk-based capital ratio | 15.3688% | 3,716 |
| Memoranda: | ||
| Average total assets | $259,460,250 | 2,446 |
| Average earning assets | $237,878,000 | 2,464 |
| Average equity | $31,232,750 | 2,256 |
| Average total loans | $204,535,750 | 2,048 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5251% | 1,463 |
| Cost of funding earning assets | 0.5352% | 1,942 |
| Net interest margin | 3.9899% | 1,664 |
| Noninterest income to average assets | 0.7424% | 2,033 |
| Noninterest expense to average assets | 3.0061% | 2,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9806% | 2,498 |
| Return on assets (ROA) | 0.9806% | 2,605 |
| Pretax return on assets | 1.3975% | 1,990 |
| Return on Equity (ROE) | 8.1864% | 2,946 |
| Retained earnings to average equity (ytd only) | 6.0946% | 2,175 |
| Net charge-offs to loans | -0.1585% | 5,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5448% | 3,739 |
| Assets per employee ($millions) | 3.3710% | 5,038 |
| Cash dividends to net income (ytd only)* | 25.5521% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9975% | 990 |
| Loan loss allowance to noncurrent loans | 88.4897% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.7903% | 1,287 |
| Noncurrent loans to loans | 2.2573% | 1,051 |
| Net loans and leases to total assets | 75.4203% | 1,451 |
| Net loans and leases to deposits | 88.5165% | 1,770 |
| Net loans and leases to core deposits | 92.4038% | 2,116 |
| Total domestic deposits to total assets | 85.2048% | 3,034 |
| Equity capital to assets | 12.0806% | 1,963 |
| Core capital (leverage) ratio | 11.3621% | 2,108 |
| Tier 1 risk-based capital ratio | 14.9376% | 3,393 |
| Total risk-based capital ratio | 16.1970% | 3,321 |
| Memoranda: | ||
| Average total assets | $258,608,330 | 2,465 |
| Average earning assets | $237,300,670 | 2,484 |
| Average equity | $30,978,330 | 2,282 |
| Average total loans | $203,120,000 | 2,061 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5603% | 1,306 |
| Cost of funding earning assets | 0.5491% | 1,854 |
| Net interest margin | 4.0112% | 1,514 |
| Noninterest income to average assets | 0.7934% | 1,736 |
| Noninterest expense to average assets | 2.8296% | 3,141 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1529% | 1,691 |
| Return on assets (ROA) | 1.1529% | 1,794 |
| Pretax return on assets | 1.6426% | 1,168 |
| Return on Equity (ROE) | 9.6658% | 2,146 |
| Retained earnings to average equity (ytd only) | 9.6658% | 1,001 |
| Net charge-offs to loans | -0.3086% | 6,152 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5433% | 4,698 |
| Assets per employee ($millions) | 3.3752% | 5,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9730% | 1,132 |
| Loan loss allowance to noncurrent loans | 88.0521% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.8287% | 1,337 |
| Noncurrent loans to loans | 2.2408% | 1,119 |
| Net loans and leases to total assets | 77.2214% | 1,028 |
| Net loans and leases to deposits | 90.7794% | 1,316 |
| Net loans and leases to core deposits | 94.9365% | 1,698 |
| Total domestic deposits to total assets | 85.0649% | 3,374 |
| Equity capital to assets | 12.1602% | 1,919 |
| Core capital (leverage) ratio | 11.4029% | 2,079 |
| Tier 1 risk-based capital ratio | 14.8475% | 3,513 |
| Total risk-based capital ratio | 16.1064% | 3,450 |
| Memoranda: | ||
| Average total assets | $258,130,500 | 2,485 |
| Average earning assets | $236,737,000 | 2,500 |
| Average equity | $30,789,000 | 2,306 |
| Average total loans | $204,803,000 | 2,052 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6858% | 1,341 |
| Cost of funding earning assets | 0.6008% | 1,753 |
| Net interest margin | 4.0850% | 1,626 |
| Noninterest income to average assets | 0.8727% | 1,596 |
| Noninterest expense to average assets | 3.1285% | 2,428 |
| Loan and lease loss provision to assets | 0.2176% | 1,134 |
| Net operating income to assets | 0.9152% | 2,803 |
| Return on assets (ROA) | 0.9152% | 2,895 |
| Pretax return on assets | 1.2843% | 2,294 |
| Return on Equity (ROE) | 7.9799% | 3,147 |
| Retained earnings to average equity (ytd only) | 5.3783% | 2,350 |
| Net charge-offs to loans | -0.0308% | 5,793 |
| Credit loss provision to net charge-offs | -893.6508% | 5,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6305% | 4,128 |
| Assets per employee ($millions) | 3.2879% | 5,279 |
| Cash dividends to net income (ytd only)* | 32.6014% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8450% | 1,435 |
| Loan loss allowance to noncurrent loans | 84.5067% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.7733% | 1,479 |
| Noncurrent loans to loans | 2.1833% | 1,223 |
| Net loans and leases to total assets | 78.4249% | 946 |
| Net loans and leases to deposits | 93.1018% | 1,174 |
| Net loans and leases to core deposits | 97.4656% | 1,594 |
| Total domestic deposits to total assets | 84.2356% | 3,615 |
| Equity capital to assets | 11.6981% | 2,260 |
| Core capital (leverage) ratio | 10.9181% | 2,482 |
| Tier 1 risk-based capital ratio | 14.1429% | 4,003 |
| Total risk-based capital ratio | 15.4008% | 3,925 |
| Memoranda: | ||
| Average total assets | $258,746,800 | 2,443 |
| Average earning assets | $238,014,800 | 2,441 |
| Average equity | $29,674,600 | 2,289 |
| Average total loans | $204,413,200 | 2,002 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6596% | 1,410 |
| Cost of funding earning assets | 0.6087% | 1,761 |
| Net interest margin | 4.0510% | 1,718 |
| Noninterest income to average assets | 0.9295% | 1,422 |
| Noninterest expense to average assets | 3.0772% | 2,536 |
| Loan and lease loss provision to assets | 0.2899% | 692 |
| Net operating income to assets | 0.9099% | 2,866 |
| Return on assets (ROA) | 0.9099% | 2,965 |
| Pretax return on assets | 1.2905% | 2,409 |
| Return on Equity (ROE) | 7.9735% | 3,226 |
| Retained earnings to average equity (ytd only) | 6.5632% | 2,064 |
| Net charge-offs to loans | 0.1277% | 2,513 |
| Credit loss provision to net charge-offs | 288.2051% | 939 |
| Earnings coverage of net charge-offs (x) | 15.7130% | 2,038 |
| Efficiency ratio | 65.1384% | 4,344 |
| Assets per employee ($millions) | 3.2475% | 5,333 |
| Cash dividends to net income (ytd only)* | 17.6871% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7184% | 1,915 |
| Loan loss allowance to noncurrent loans | 82.0501% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.7194% | 1,746 |
| Noncurrent loans to loans | 2.0944% | 1,493 |
| Net loans and leases to total assets | 79.5853% | 756 |
| Net loans and leases to deposits | 93.3385% | 1,091 |
| Net loans and leases to core deposits | 98.2631% | 1,509 |
| Total domestic deposits to total assets | 85.2653% | 3,239 |
| Equity capital to assets | 11.7864% | 2,233 |
| Core capital (leverage) ratio | 10.9861% | 2,505 |
| Tier 1 risk-based capital ratio | 14.2081% | 4,076 |
| Total risk-based capital ratio | 15.4595% | 4,006 |
| Memoranda: | ||
| Average total assets | $258,497,500 | 2,466 |
| Average earning assets | $237,896,500 | 2,458 |
| Average equity | $29,497,000 | 2,312 |
| Average total loans | $203,633,250 | 2,022 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6215% | 1,469 |
| Cost of funding earning assets | 0.6125% | 1,789 |
| Net interest margin | 4.0090% | 1,780 |
| Noninterest income to average assets | 0.9886% | 1,234 |
| Noninterest expense to average assets | 3.0886% | 2,543 |
| Loan and lease loss provision to assets | 0.2894% | 685 |
| Net operating income to assets | 0.9307% | 2,651 |
| Return on assets (ROA) | 0.9307% | 2,752 |
| Pretax return on assets | 1.2981% | 2,256 |
| Return on Equity (ROE) | 8.2462% | 2,960 |
| Retained earnings to average equity (ytd only) | 6.1128% | 2,257 |
| Net charge-offs to loans | 0.1730% | 2,008 |
| Credit loss provision to net charge-offs | 214.2857% | 1,105 |
| Earnings coverage of net charge-offs (x) | 11.7543% | 2,124 |
| Efficiency ratio | 65.1263% | 4,505 |
| Assets per employee ($millions) | 3.1235% | 5,559 |
| Cash dividends to net income (ytd only)* | 25.8706% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6730% | 2,218 |
| Loan loss allowance to noncurrent loans | 85.7395% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 1.5618% | 2,090 |
| Noncurrent loans to loans | 1.9513% | 1,735 |
| Net loans and leases to total assets | 77.1456% | 1,031 |
| Net loans and leases to deposits | 89.8037% | 1,389 |
| Net loans and leases to core deposits | 94.5126% | 1,737 |
| Total domestic deposits to total assets | 85.9047% | 3,093 |
| Equity capital to assets | 11.4581% | 2,460 |
| Core capital (leverage) ratio | 10.7128% | 2,707 |
| Tier 1 risk-based capital ratio | 14.0541% | 4,228 |
| Total risk-based capital ratio | 15.3103% | 4,148 |
| Memoranda: | ||
| Average total assets | $259,146,670 | 2,462 |
| Average earning assets | $238,366,000 | 2,462 |
| Average equity | $29,250,000 | 2,317 |
| Average total loans | $202,262,330 | 2,033 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 1,508 |
| Cost of funding earning assets | 0.6219% | 1,791 |
| Net interest margin | 3.9765% | 1,835 |
| Noninterest income to average assets | 1.0529% | 1,009 |
| Noninterest expense to average assets | 3.0167% | 2,812 |
| Loan and lease loss provision to assets | 0.2902% | 678 |
| Net operating income to assets | 0.9911% | 2,239 |
| Return on assets (ROA) | 0.9911% | 2,299 |
| Pretax return on assets | 1.3987% | 1,752 |
| Return on Equity (ROE) | 8.8483% | 2,531 |
| Retained earnings to average equity (ytd only) | 8.8483% | 1,294 |
| Net charge-offs to loans | 0.2320% | 1,397 |
| Credit loss provision to net charge-offs | 160.6838% | 1,198 |
| Earnings coverage of net charge-offs (x) | 9.3504% | 1,940 |
| Efficiency ratio | 63.2874% | 4,961 |
| Assets per employee ($millions) | 3.3752% | 5,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6306% | 2,579 |
| Loan loss allowance to noncurrent loans | 95.4227% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.4738% | 2,400 |
| Noncurrent loans to loans | 1.7088% | 2,272 |
| Net loans and leases to total assets | 74.9997% | 1,129 |
| Net loans and leases to deposits | 87.0812% | 1,459 |
| Net loans and leases to core deposits | 91.6496% | 1,767 |
| Total domestic deposits to total assets | 86.1261% | 3,298 |
| Equity capital to assets | 11.1553% | 2,568 |
| Core capital (leverage) ratio | 10.5976% | 2,809 |
| Tier 1 risk-based capital ratio | 13.9243% | 4,373 |
| Total risk-based capital ratio | 15.1796% | 4,317 |
| Memoranda: | ||
| Average total assets | $259,095,000 | 2,464 |
| Average earning assets | $237,998,500 | 2,469 |
| Average equity | $29,022,500 | 2,323 |
| Average total loans | $201,692,000 | 2,040 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1225% | 741 |
| Cost of funding earning assets | 0.7199% | 1,677 |
| Net interest margin | 4.4026% | 907 |
| Noninterest income to average assets | 0.8098% | 2,030 |
| Noninterest expense to average assets | 3.1500% | 2,591 |
| Loan and lease loss provision to assets | 0.3083% | 1,083 |
| Net operating income to assets | 0.9981% | 2,327 |
| Return on assets (ROA) | 0.9981% | 2,400 |
| Pretax return on assets | 1.3763% | 1,877 |
| Return on Equity (ROE) | 8.5729% | 2,745 |
| Retained earnings to average equity (ytd only) | 5.8965% | 2,042 |
| Net charge-offs to loans | 0.0005% | 5,470 |
| Credit loss provision to net charge-offs | 75,000.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 4,098.0000% | 8 |
| Efficiency ratio | 63.8381% | 4,928 |
| Assets per employee ($millions) | 3.3107% | 5,264 |
| Cash dividends to net income (ytd only)* | 31.2191% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5805% | 2,838 |
| Loan loss allowance to noncurrent loans | 111.7585% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.2925% | 2,839 |
| Noncurrent loans to loans | 1.4142% | 2,775 |
| Net loans and leases to total assets | 78.2426% | 795 |
| Net loans and leases to deposits | 91.2101% | 1,139 |
| Net loans and leases to core deposits | 95.2563% | 1,509 |
| Total domestic deposits to total assets | 85.7829% | 3,368 |
| Equity capital to assets | 11.2492% | 2,383 |
| Core capital (leverage) ratio | 10.4489% | 2,965 |
| Tier 1 risk-based capital ratio | 13.5494% | 4,618 |
| Total risk-based capital ratio | 14.8040% | 4,562 |
| Memoranda: | ||
| Average total assets | $243,266,400 | 2,594 |
| Average earning assets | $222,391,200 | 2,592 |
| Average equity | $28,321,800 | 2,354 |
| Average total loans | $192,538,200 | 2,073 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2217% | 616 |
| Cost of funding earning assets | 0.6643% | 2,223 |
| Net interest margin | 4.5573% | 667 |
| Noninterest income to average assets | 0.8182% | 2,066 |
| Noninterest expense to average assets | 3.0527% | 2,813 |
| Loan and lease loss provision to assets | 0.4160% | 712 |
| Net operating income to assets | 1.0579% | 2,156 |
| Return on assets (ROA) | 1.0579% | 2,238 |
| Pretax return on assets | 1.5127% | 1,569 |
| Return on Equity (ROE) | 9.0058% | 2,626 |
| Retained earnings to average equity (ytd only) | 7.5701% | 1,605 |
| Net charge-offs to loans | -0.1137% | 6,520 |
| Credit loss provision to net charge-offs | -462.9630% | 6,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0780% | 5,424 |
| Assets per employee ($millions) | 3.2540% | 5,374 |
| Cash dividends to net income (ytd only)* | 15.9412% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6580% | 2,771 |
| Loan loss allowance to noncurrent loans | 83.7730% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.9696% | 2,055 |
| Noncurrent loans to loans | 1.9792% | 2,277 |
| Net loans and leases to total assets | 78.6609% | 686 |
| Net loans and leases to deposits | 92.7018% | 927 |
| Net loans and leases to core deposits | 96.8169% | 1,331 |
| Total domestic deposits to total assets | 84.8537% | 3,814 |
| Equity capital to assets | 11.3675% | 2,409 |
| Core capital (leverage) ratio | 10.6698% | 2,818 |
| Tier 1 risk-based capital ratio | 13.4802% | 4,771 |
| Total risk-based capital ratio | 14.7341% | 4,721 |
| Memoranda: | ||
| Average total assets | $240,351,750 | 2,644 |
| Average earning assets | $219,566,750 | 2,635 |
| Average equity | $28,233,000 | 2,389 |
| Average total loans | $190,007,000 | 2,095 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3527% | 480 |
| Cost of funding earning assets | 0.7014% | 2,051 |
| Net interest margin | 4.6513% | 555 |
| Noninterest income to average assets | 0.8395% | 2,031 |
| Noninterest expense to average assets | 3.1450% | 2,530 |
| Loan and lease loss provision to assets | 0.4240% | 711 |
| Net operating income to assets | 1.0582% | 2,086 |
| Return on assets (ROA) | 1.0582% | 2,199 |
| Pretax return on assets | 1.5212% | 1,557 |
| Return on Equity (ROE) | 8.9058% | 2,654 |
| Retained earnings to average equity (ytd only) | 6.7293% | 2,017 |
| Net charge-offs to loans | -0.2316% | 6,703 |
| Credit loss provision to net charge-offs | -232.5581% | 5,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5864% | 5,391 |
| Assets per employee ($millions) | 3.2933% | 5,282 |
| Cash dividends to net income (ytd only)* | 24.4391% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5669% | 3,292 |
| Loan loss allowance to noncurrent loans | 78.6991% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 2.0860% | 2,072 |
| Noncurrent loans to loans | 1.9910% | 2,409 |
| Net loans and leases to total assets | 79.5652% | 576 |
| Net loans and leases to deposits | 93.6932% | 827 |
| Net loans and leases to core deposits | 98.0966% | 1,208 |
| Total domestic deposits to total assets | 84.9210% | 3,922 |
| Equity capital to assets | 11.2534% | 2,518 |
| Core capital (leverage) ratio | 10.4810% | 2,897 |
| Tier 1 risk-based capital ratio | 13.1769% | 5,010 |
| Total risk-based capital ratio | 14.4339% | 4,946 |
| Memoranda: | ||
| Average total assets | $235,865,330 | 2,687 |
| Average earning assets | $215,554,670 | 2,685 |
| Average equity | $28,026,670 | 2,421 |
| Average total loans | $185,670,670 | 2,147 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5696% | 332 |
| Cost of funding earning assets | 0.7537% | 1,817 |
| Net interest margin | 4.8160% | 391 |
| Noninterest income to average assets | 0.8589% | 1,900 |
| Noninterest expense to average assets | 3.0911% | 2,705 |
| Loan and lease loss provision to assets | 0.4373% | 667 |
| Net operating income to assets | 1.2071% | 1,507 |
| Return on assets (ROA) | 1.2071% | 1,618 |
| Pretax return on assets | 1.7459% | 982 |
| Return on Equity (ROE) | 9.8723% | 2,111 |
| Retained earnings to average equity (ytd only) | 9.8723% | 1,137 |
| Net charge-offs to loans | 0.0180% | 3,794 |
| Credit loss provision to net charge-offs | 3,125.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 156.0000% | 259 |
| Efficiency ratio | 57.4129% | 5,909 |
| Assets per employee ($millions) | 3.3939% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 4,513 |
| Loan loss allowance to noncurrent loans | 52.1874% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 2.4930% | 1,854 |
| Noncurrent loans to loans | 2.5684% | 2,012 |
| Net loans and leases to total assets | 75.9347% | 850 |
| Net loans and leases to deposits | 88.1124% | 1,138 |
| Net loans and leases to core deposits | 92.3749% | 1,469 |
| Total domestic deposits to total assets | 86.1794% | 3,432 |
| Equity capital to assets | 10.8205% | 3,176 |
| Core capital (leverage) ratio | 10.1152% | 3,257 |
| Tier 1 risk-based capital ratio | 13.0096% | 5,209 |
| Total risk-based capital ratio | 14.2560% | 5,162 |
| Memoranda: | ||
| Average total assets | $228,653,500 | 2,788 |
| Average earning assets | $209,636,500 | 2,775 |
| Average equity | $27,957,000 | 2,451 |
| Average total loans | $177,349,500 | 2,242 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2484% | 1,022 |
| Cost of funding earning assets | 0.7294% | 3,261 |
| Net interest margin | 4.5190% | 908 |
| Noninterest income to average assets | 0.6483% | 2,999 |
| Noninterest expense to average assets | 3.0575% | 3,065 |
| Loan and lease loss provision to assets | 0.3877% | 1,683 |
| Net operating income to assets | 1.0123% | 2,282 |
| Return on assets (ROA) | 1.0123% | 2,497 |
| Pretax return on assets | 1.3892% | 2,078 |
| Return on Equity (ROE) | 7.2031% | 3,525 |
| Retained earnings to average equity (ytd only) | 4.6978% | 2,912 |
| Net charge-offs to loans | 0.4165% | 2,580 |
| Credit loss provision to net charge-offs | 117.3709% | 2,453 |
| Earnings coverage of net charge-offs (x) | 5.3787% | 3,057 |
| Efficiency ratio | 63.2446% | 5,030 |
| Assets per employee ($millions) | 3.2128% | 5,593 |
| Cash dividends to net income (ytd only)* | 34.7804% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5980% | 3,321 |
| Loan loss allowance to noncurrent loans | 77.9048% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.8854% | 2,590 |
| Noncurrent loans to loans | 2.0512% | 2,640 |
| Net loans and leases to total assets | 77.1053% | 778 |
| Net loans and leases to deposits | 93.2542% | 806 |
| Net loans and leases to core deposits | 97.7698% | 1,158 |
| Total domestic deposits to total assets | 82.6829% | 4,855 |
| Equity capital to assets | 14.1019% | 1,003 |
| Core capital (leverage) ratio | 13.7059% | 884 |
| Tier 1 risk-based capital ratio | 17.7245% | 2,374 |
| Total risk-based capital ratio | 18.9851% | 2,330 |
| Memoranda: | ||
| Average total assets | $193,425,600 | 3,130 |
| Average earning assets | $179,178,200 | 3,105 |
| Average equity | $27,182,800 | 2,469 |
| Average total loans | $153,420,000 | 2,523 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2760% | 1,054 |
| Cost of funding earning assets | 0.7389% | 3,442 |
| Net interest margin | 4.5371% | 924 |
| Noninterest income to average assets | 0.7027% | 2,705 |
| Noninterest expense to average assets | 2.8701% | 3,711 |
| Loan and lease loss provision to assets | 0.3894% | 1,654 |
| Net operating income to assets | 1.1633% | 1,856 |
| Return on assets (ROA) | 1.1633% | 2,051 |
| Pretax return on assets | 1.6474% | 1,423 |
| Return on Equity (ROE) | 8.2847% | 3,143 |
| Retained earnings to average equity (ytd only) | 7.1272% | 2,047 |
| Net charge-offs to loans | 0.4364% | 2,356 |
| Credit loss provision to net charge-offs | 112.1514% | 2,610 |
| Earnings coverage of net charge-offs (x) | 5.8665% | 2,908 |
| Efficiency ratio | 58.4919% | 5,719 |
| Assets per employee ($millions) | 3.4763% | 5,020 |
| Cash dividends to net income (ytd only)* | 13.9717% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5628% | 3,682 |
| Loan loss allowance to noncurrent loans | 69.3395% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 2.1757% | 2,462 |
| Noncurrent loans to loans | 2.2538% | 2,551 |
| Net loans and leases to total assets | 79.1981% | 578 |
| Net loans and leases to deposits | 96.5308% | 627 |
| Net loans and leases to core deposits | 101.7415% | 1,000 |
| Total domestic deposits to total assets | 82.0444% | 5,006 |
| Equity capital to assets | 14.5618% | 950 |
| Core capital (leverage) ratio | 14.1864% | 778 |
| Tier 1 risk-based capital ratio | 17.6303% | 2,483 |
| Total risk-based capital ratio | 18.8838% | 2,455 |
| Memoranda: | ||
| Average total assets | $192,787,000 | 3,180 |
| Average earning assets | $178,640,500 | 3,149 |
| Average equity | $27,069,250 | 2,497 |
| Average total loans | $153,383,750 | 2,553 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3312% | 987 |
| Cost of funding earning assets | 0.7449% | 3,644 |
| Net interest margin | 4.5863% | 855 |
| Noninterest income to average assets | 0.6497% | 2,958 |
| Noninterest expense to average assets | 2.8420% | 3,860 |
| Loan and lease loss provision to assets | 0.3880% | 1,689 |
| Net operating income to assets | 1.1742% | 1,803 |
| Return on assets (ROA) | 1.1742% | 2,004 |
| Pretax return on assets | 1.6812% | 1,312 |
| Return on Equity (ROE) | 8.4665% | 3,032 |
| Retained earnings to average equity (ytd only) | 6.2510% | 2,537 |
| Net charge-offs to loans | 0.1462% | 3,749 |
| Credit loss provision to net charge-offs | 334.8214% | 879 |
| Earnings coverage of net charge-offs (x) | 17.8571% | 1,511 |
| Efficiency ratio | 57.8681% | 5,891 |
| Assets per employee ($millions) | 3.5986% | 4,752 |
| Cash dividends to net income (ytd only)* | 26.1674% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6815% | 3,306 |
| Loan loss allowance to noncurrent loans | 76.6765% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 2.0182% | 2,755 |
| Noncurrent loans to loans | 2.1930% | 2,723 |
| Net loans and leases to total assets | 78.4394% | 676 |
| Net loans and leases to deposits | 95.9011% | 640 |
| Net loans and leases to core deposits | 101.3369% | 1,016 |
| Total domestic deposits to total assets | 81.7920% | 5,204 |
| Equity capital to assets | 14.0017% | 1,098 |
| Core capital (leverage) ratio | 13.8837% | 838 |
| Tier 1 risk-based capital ratio | 17.3009% | 2,544 |
| Total risk-based capital ratio | 18.5563% | 2,509 |
| Memoranda: | ||
| Average total assets | $193,316,330 | 3,173 |
| Average earning assets | $179,621,670 | 3,137 |
| Average equity | $26,811,670 | 2,501 |
| Average total loans | $153,235,000 | 2,563 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3106% | 1,074 |
| Cost of funding earning assets | 0.7720% | 3,687 |
| Net interest margin | 4.5385% | 942 |
| Noninterest income to average assets | 0.6742% | 2,787 |
| Noninterest expense to average assets | 2.7135% | 4,381 |
| Loan and lease loss provision to assets | 0.3900% | 1,619 |
| Net operating income to assets | 1.2842% | 1,492 |
| Return on assets (ROA) | 1.2842% | 1,671 |
| Pretax return on assets | 1.7904% | 1,087 |
| Return on Equity (ROE) | 9.3037% | 2,679 |
| Retained earnings to average equity (ytd only) | 9.3037% | 1,472 |
| Net charge-offs to loans | 0.0289% | 4,286 |
| Credit loss provision to net charge-offs | 1,709.0909% | 194 |
| Earnings coverage of net charge-offs (x) | 95.5455% | 357 |
| Efficiency ratio | 55.4472% | 6,189 |
| Assets per employee ($millions) | 3.5271% | 5,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 3,527 |
| Loan loss allowance to noncurrent loans | 59.2619% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 2.5404% | 2,327 |
| Noncurrent loans to loans | 2.7907% | 2,323 |
| Net loans and leases to total assets | 77.2800% | 662 |
| Net loans and leases to deposits | 93.3055% | 707 |
| Net loans and leases to core deposits | 98.6887% | 1,074 |
| Total domestic deposits to total assets | 82.8247% | 5,000 |
| Equity capital to assets | 13.8921% | 1,055 |
| Core capital (leverage) ratio | 13.7534% | 865 |
| Tier 1 risk-based capital ratio | 17.3950% | 2,520 |
| Total risk-based capital ratio | 18.6500% | 2,485 |
| Memoranda: | ||
| Average total assets | $192,811,000 | 3,199 |
| Average earning assets | $179,265,500 | 3,157 |
| Average equity | $26,613,000 | 2,512 |
| Average total loans | $152,334,500 | 2,595 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5394% | 1,077 |
| Cost of funding earning assets | 0.8844% | 4,223 |
| Net interest margin | 4.6550% | 824 |
| Noninterest income to average assets | 0.7172% | 2,508 |
| Noninterest expense to average assets | 3.0204% | 3,519 |
| Loan and lease loss provision to assets | 0.4017% | 2,587 |
| Net operating income to assets | 1.1817% | 1,561 |
| Return on assets (ROA) | 1.1848% | 1,662 |
| Pretax return on assets | 1.6380% | 1,128 |
| Return on Equity (ROE) | 8.6691% | 2,600 |
| Retained earnings to average equity (ytd only) | 5.8160% | 2,116 |
| Net charge-offs to loans | 0.4188% | 3,336 |
| Credit loss provision to net charge-offs | 120.5788% | 2,642 |
| Earnings coverage of net charge-offs (x) | 6.1093% | 2,595 |
| Efficiency ratio | 59.7415% | 5,799 |
| Assets per employee ($millions) | 3.3620% | 5,340 |
| Cash dividends to net income (ytd only)* | 32.9114% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5391% | 3,830 |
| Loan loss allowance to noncurrent loans | 65.2828% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 2.2501% | 2,678 |
| Noncurrent loans to loans | 2.3576% | 2,782 |
| Net loans and leases to total assets | 78.2173% | 687 |
| Net loans and leases to deposits | 94.5744% | 773 |
| Net loans and leases to core deposits | 100.9340% | 1,099 |
| Total domestic deposits to total assets | 82.7045% | 4,876 |
| Equity capital to assets | 13.7121% | 1,168 |
| Core capital (leverage) ratio | 13.5638% | 943 |
| Tier 1 risk-based capital ratio | 16.9075% | 2,644 |
| Total risk-based capital ratio | 18.1609% | 2,602 |
| Memoranda: | ||
| Average total assets | $186,696,600 | 3,240 |
| Average earning assets | $174,006,800 | 3,171 |
| Average equity | $25,516,000 | 2,522 |
| Average total loans | $148,535,600 | 2,660 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5824% | 1,076 |
| Cost of funding earning assets | 0.9092% | 4,336 |
| Net interest margin | 4.6732% | 808 |
| Noninterest income to average assets | 0.7254% | 2,450 |
| Noninterest expense to average assets | 3.0057% | 3,535 |
| Loan and lease loss provision to assets | 0.4047% | 2,430 |
| Net operating income to assets | 1.1513% | 1,809 |
| Return on assets (ROA) | 1.1553% | 1,914 |
| Pretax return on assets | 1.6772% | 1,189 |
| Return on Equity (ROE) | 8.4602% | 2,847 |
| Retained earnings to average equity (ytd only) | 6.9335% | 2,003 |
| Net charge-offs to loans | 0.2059% | 4,152 |
| Credit loss provision to net charge-offs | 246.9298% | 1,163 |
| Earnings coverage of net charge-offs (x) | 12.6668% | 1,683 |
| Efficiency ratio | 59.1456% | 5,841 |
| Assets per employee ($millions) | 3.4266% | 5,175 |
| Cash dividends to net income (ytd only)* | 18.0462% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7096% | 3,240 |
| Loan loss allowance to noncurrent loans | 68.2268% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 2.1012% | 3,030 |
| Noncurrent loans to loans | 2.5057% | 2,763 |
| Net loans and leases to total assets | 77.8231% | 723 |
| Net loans and leases to deposits | 98.2318% | 566 |
| Net loans and leases to core deposits | 104.7105% | 940 |
| Total domestic deposits to total assets | 79.2239% | 5,942 |
| Equity capital to assets | 13.8829% | 1,206 |
| Core capital (leverage) ratio | 13.8592% | 934 |
| Tier 1 risk-based capital ratio | 17.5588% | 2,420 |
| Total risk-based capital ratio | 18.8145% | 2,391 |
| Memoranda: | ||
| Average total assets | $185,462,250 | 3,268 |
| Average earning assets | $172,897,750 | 3,201 |
| Average equity | $25,325,750 | 2,538 |
| Average total loans | $147,611,000 | 2,696 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6090% | 1,058 |
| Cost of funding earning assets | 0.9424% | 4,376 |
| Net interest margin | 4.6666% | 790 |
| Noninterest income to average assets | 0.7015% | 2,546 |
| Noninterest expense to average assets | 3.1529% | 3,071 |
| Loan and lease loss provision to assets | 0.4066% | 2,401 |
| Net operating income to assets | 1.0058% | 2,204 |
| Return on assets (ROA) | 1.0116% | 2,277 |
| Pretax return on assets | 1.4995% | 1,533 |
| Return on Equity (ROE) | 7.4502% | 3,218 |
| Retained earnings to average equity (ytd only) | 5.1345% | 2,920 |
| Net charge-offs to loans | 0.1441% | 4,328 |
| Credit loss provision to net charge-offs | 353.7736% | 868 |
| Earnings coverage of net charge-offs (x) | 16.5094% | 1,337 |
| Efficiency ratio | 62.4302% | 5,515 |
| Assets per employee ($millions) | 3.4713% | 5,012 |
| Cash dividends to net income (ytd only)* | 31.0825% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 3,392 |
| Loan loss allowance to noncurrent loans | 64.7979% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 2.1965% | 2,989 |
| Noncurrent loans to loans | 2.5911% | 2,783 |
| Net loans and leases to total assets | 79.0990% | 638 |
| Net loans and leases to deposits | 97.2787% | 635 |
| Net loans and leases to core deposits | 102.8213% | 1,129 |
| Total domestic deposits to total assets | 81.3118% | 5,418 |
| Equity capital to assets | 13.8023% | 1,163 |
| Core capital (leverage) ratio | 13.6832% | 946 |
| Tier 1 risk-based capital ratio | 17.2309% | 2,432 |
| Total risk-based capital ratio | 18.4866% | 2,409 |
| Memoranda: | ||
| Average total assets | $184,462,330 | 3,312 |
| Average earning assets | $171,902,000 | 3,243 |
| Average equity | $25,046,330 | 2,555 |
| Average total loans | $147,075,330 | 2,731 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5599% | 1,153 |
| Cost of funding earning assets | 0.9928% | 4,250 |
| Net interest margin | 4.5672% | 923 |
| Noninterest income to average assets | 0.7103% | 2,518 |
| Noninterest expense to average assets | 3.2246% | 2,801 |
| Loan and lease loss provision to assets | 0.4071% | 2,150 |
| Net operating income to assets | 1.0689% | 1,949 |
| Return on assets (ROA) | 1.0828% | 1,948 |
| Pretax return on assets | 1.3600% | 1,849 |
| Return on Equity (ROE) | 8.0408% | 2,888 |
| Retained earnings to average equity (ytd only) | 8.0408% | 1,712 |
| Net charge-offs to loans | -0.0055% | 6,253 |
| Credit loss provision to net charge-offs | -9,400.0000% | 6,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8237% | 5,216 |
| Assets per employee ($millions) | 3.4084% | 5,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6523% | 3,516 |
| Loan loss allowance to noncurrent loans | 55.1432% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 2.4112% | 2,821 |
| Noncurrent loans to loans | 2.9964% | 2,511 |
| Net loans and leases to total assets | 77.8388% | 750 |
| Net loans and leases to deposits | 93.5438% | 870 |
| Net loans and leases to core deposits | 99.1495% | 1,412 |
| Total domestic deposits to total assets | 83.2111% | 4,846 |
| Equity capital to assets | 13.6529% | 1,127 |
| Core capital (leverage) ratio | 13.4627% | 980 |
| Tier 1 risk-based capital ratio | 17.4166% | 2,337 |
| Total risk-based capital ratio | 18.6715% | 2,302 |
| Memoranda: | ||
| Average total assets | $184,705,000 | 3,328 |
| Average earning assets | $172,448,500 | 3,264 |
| Average equity | $24,873,000 | 2,556 |
| Average total loans | $146,608,500 | 2,763 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8062% | 1,262 |
| Cost of funding earning assets | 1.3085% | 3,828 |
| Net interest margin | 4.4977% | 1,229 |
| Noninterest income to average assets | 0.5793% | 3,589 |
| Noninterest expense to average assets | 2.8388% | 4,439 |
| Loan and lease loss provision to assets | 0.5196% | 3,078 |
| Net operating income to assets | 1.0448% | 1,891 |
| Return on assets (ROA) | 1.0456% | 1,987 |
| Pretax return on assets | 1.4223% | 1,591 |
| Return on Equity (ROE) | 8.1193% | 2,657 |
| Retained earnings to average equity (ytd only) | 5.1687% | 2,331 |
| Net charge-offs to loans | 0.7786% | 2,692 |
| Credit loss provision to net charge-offs | 84.4156% | 5,369 |
| Earnings coverage of net charge-offs (x) | 3.1532% | 3,492 |
| Efficiency ratio | 59.3935% | 6,136 |
| Assets per employee ($millions) | 3.3701% | 5,242 |
| Cash dividends to net income (ytd only)* | 36.3405% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 3,996 |
| Loan loss allowance to noncurrent loans | 61.4702% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.9584% | 3,397 |
| Noncurrent loans to loans | 2.4434% | 3,080 |
| Net loans and leases to total assets | 78.4051% | 884 |
| Net loans and leases to deposits | 94.4240% | 1,015 |
| Net loans and leases to core deposits | 100.4076% | 1,584 |
| Total domestic deposits to total assets | 83.0352% | 4,779 |
| Equity capital to assets | 13.2811% | 1,266 |
| Core capital (leverage) ratio | 13.0736% | 1,104 |
| Tier 1 risk-based capital ratio | 16.9067% | 2,375 |
| Total risk-based capital ratio | 18.1601% | 2,348 |
| Memoranda: | ||
| Average total assets | $187,649,800 | 3,263 |
| Average earning assets | $175,244,400 | 3,185 |
| Average equity | $24,164,600 | 2,643 |
| Average total loans | $148,349,600 | 2,804 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8275% | 1,320 |
| Cost of funding earning assets | 1.3739% | 3,751 |
| Net interest margin | 4.4537% | 1,363 |
| Noninterest income to average assets | 0.6056% | 3,404 |
| Noninterest expense to average assets | 2.7853% | 4,552 |
| Loan and lease loss provision to assets | 0.5844% | 2,599 |
| Net operating income to assets | 0.9935% | 2,257 |
| Return on assets (ROA) | 0.9945% | 2,368 |
| Pretax return on assets | 1.3983% | 1,881 |
| Return on Equity (ROE) | 7.7831% | 2,994 |
| Retained earnings to average equity (ytd only) | 6.2198% | 2,253 |
| Net charge-offs to loans | 0.9325% | 2,128 |
| Credit loss provision to net charge-offs | 79.4033% | 5,155 |
| Earnings coverage of net charge-offs (x) | 2.6920% | 3,802 |
| Efficiency ratio | 58.4336% | 6,199 |
| Assets per employee ($millions) | 3.3699% | 5,276 |
| Cash dividends to net income (ytd only)* | 20.0855% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 4,009 |
| Loan loss allowance to noncurrent loans | 56.0349% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 2.2817% | 3,102 |
| Noncurrent loans to loans | 2.6597% | 2,972 |
| Net loans and leases to total assets | 77.8134% | 1,069 |
| Net loans and leases to deposits | 93.5778% | 1,251 |
| Net loans and leases to core deposits | 98.4491% | 2,003 |
| Total domestic deposits to total assets | 83.1537% | 4,527 |
| Equity capital to assets | 13.3086% | 1,446 |
| Core capital (leverage) ratio | 13.0353% | 1,213 |
| Tier 1 risk-based capital ratio | 16.6153% | 2,506 |
| Total risk-based capital ratio | 17.8686% | 2,461 |
| Memoranda: | ||
| Average total assets | $188,223,750 | 3,299 |
| Average earning assets | $175,850,750 | 3,217 |
| Average equity | $24,051,500 | 2,692 |
| Average total loans | $148,551,250 | 2,835 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8786% | 1,235 |
| Cost of funding earning assets | 1.4459% | 3,585 |
| Net interest margin | 4.4327% | 1,365 |
| Noninterest income to average assets | 0.5624% | 3,611 |
| Noninterest expense to average assets | 2.8406% | 4,313 |
| Loan and lease loss provision to assets | 0.4757% | 2,932 |
| Net operating income to assets | 0.9680% | 2,304 |
| Return on assets (ROA) | 0.9694% | 2,382 |
| Pretax return on assets | 1.3902% | 1,861 |
| Return on Equity (ROE) | 7.6909% | 3,020 |
| Retained earnings to average equity (ytd only) | 5.3258% | 2,712 |
| Net charge-offs to loans | 0.8455% | 2,137 |
| Credit loss provision to net charge-offs | 71.3154% | 4,935 |
| Earnings coverage of net charge-offs (x) | 2.7940% | 3,593 |
| Efficiency ratio | 60.3820% | 5,984 |
| Assets per employee ($millions) | 3.3795% | 5,241 |
| Cash dividends to net income (ytd only)* | 30.7525% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 3,896 |
| Loan loss allowance to noncurrent loans | 58.3970% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 2.3042% | 3,127 |
| Noncurrent loans to loans | 2.5785% | 3,063 |
| Net loans and leases to total assets | 77.9485% | 1,125 |
| Net loans and leases to deposits | 93.4399% | 1,347 |
| Net loans and leases to core deposits | 98.1061% | 2,215 |
| Total domestic deposits to total assets | 83.4210% | 4,382 |
| Equity capital to assets | 12.9841% | 1,578 |
| Core capital (leverage) ratio | 12.5537% | 1,388 |
| Tier 1 risk-based capital ratio | 16.2552% | 2,569 |
| Total risk-based capital ratio | 17.5082% | 2,524 |
| Memoranda: | ||
| Average total assets | $189,183,000 | 3,317 |
| Average earning assets | $176,777,330 | 3,234 |
| Average equity | $23,846,330 | 2,710 |
| Average total loans | $149,266,330 | 2,850 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9253% | 1,142 |
| Cost of funding earning assets | 1.5020% | 3,539 |
| Net interest margin | 4.4233% | 1,326 |
| Noninterest income to average assets | 0.5869% | 3,359 |
| Noninterest expense to average assets | 2.9973% | 3,686 |
| Loan and lease loss provision to assets | 0.4716% | 2,612 |
| Net operating income to assets | 1.0316% | 2,061 |
| Return on assets (ROA) | 1.0333% | 2,116 |
| Pretax return on assets | 1.2618% | 2,165 |
| Return on Equity (ROE) | 8.3198% | 2,728 |
| Retained earnings to average equity (ytd only) | 8.3198% | 1,584 |
| Net charge-offs to loans | 1.4260% | 1,212 |
| Credit loss provision to net charge-offs | 41.9776% | 4,608 |
| Earnings coverage of net charge-offs (x) | 1.5410% | 3,807 |
| Efficiency ratio | 63.3865% | 5,603 |
| Assets per employee ($millions) | 3.4168% | 5,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 4,398 |
| Loan loss allowance to noncurrent loans | 57.0139% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 2.2781% | 3,175 |
| Noncurrent loans to loans | 2.4646% | 3,203 |
| Net loans and leases to total assets | 76.4576% | 1,444 |
| Net loans and leases to deposits | 90.8720% | 1,775 |
| Net loans and leases to core deposits | 94.9486% | 2,708 |
| Total domestic deposits to total assets | 84.1377% | 4,084 |
| Equity capital to assets | 12.5186% | 1,747 |
| Core capital (leverage) ratio | 12.3242% | 1,481 |
| Tier 1 risk-based capital ratio | 15.8650% | 2,701 |
| Total risk-based capital ratio | 17.1166% | 2,644 |
| Memoranda: | ||
| Average total assets | $190,837,500 | 3,356 |
| Average earning assets | $178,691,500 | 3,270 |
| Average equity | $23,702,500 | 2,751 |
| Average total loans | $150,349,000 | 2,891 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0605% | 1,639 |
| Cost of funding earning assets | 1.9241% | 3,339 |
| Net interest margin | 4.1365% | 2,296 |
| Noninterest income to average assets | 0.6777% | 3,100 |
| Noninterest expense to average assets | 2.8526% | 4,735 |
| Loan and lease loss provision to assets | 0.4028% | 4,400 |
| Net operating income to assets | 0.9049% | 2,163 |
| Return on assets (ROA) | 0.9049% | 2,226 |
| Pretax return on assets | 1.2738% | 1,770 |
| Return on Equity (ROE) | 7.3127% | 2,659 |
| Retained earnings to average equity (ytd only) | 3.9363% | 2,451 |
| Net charge-offs to loans | 0.3379% | 4,542 |
| Credit loss provision to net charge-offs | 150.6024% | 3,072 |
| Earnings coverage of net charge-offs (x) | 6.2691% | 2,404 |
| Efficiency ratio | 62.9832% | 5,972 |
| Assets per employee ($millions) | 3.3988% | 5,263 |
| Cash dividends to net income (ytd only)* | 46.1721% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5737% | 3,384 |
| Loan loss allowance to noncurrent loans | 47.6636% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 2.7131% | 2,576 |
| Noncurrent loans to loans | 3.3016% | 2,313 |
| Net loans and leases to total assets | 78.7674% | 1,234 |
| Net loans and leases to deposits | 95.0004% | 1,459 |
| Net loans and leases to core deposits | 123.7440% | 1,656 |
| Total domestic deposits to total assets | 82.9128% | 4,559 |
| Equity capital to assets | 12.3214% | 1,839 |
| Core capital (leverage) ratio | 12.2470% | 1,552 |
| Tier 1 risk-based capital ratio | 16.2688% | 2,406 |
| Total risk-based capital ratio | 17.5243% | 2,350 |
| Memoranda: | ||
| Average total assets | $186,213,400 | 3,336 |
| Average earning assets | $173,383,800 | 3,300 |
| Average equity | $23,042,000 | 2,822 |
| Average total loans | $147,389,000 | 2,962 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0898% | 1,685 |
| Cost of funding earning assets | 2.0124% | 3,286 |
| Net interest margin | 4.0775% | 2,488 |
| Noninterest income to average assets | 0.6718% | 3,206 |
| Noninterest expense to average assets | 2.8216% | 4,808 |
| Loan and lease loss provision to assets | 0.4054% | 3,888 |
| Net operating income to assets | 0.8820% | 2,491 |
| Return on assets (ROA) | 0.8820% | 2,565 |
| Pretax return on assets | 1.2319% | 2,158 |
| Return on Equity (ROE) | 7.1200% | 3,015 |
| Retained earnings to average equity (ytd only) | 5.0683% | 2,448 |
| Net charge-offs to loans | 0.4050% | 3,634 |
| Credit loss provision to net charge-offs | 126.8018% | 3,962 |
| Earnings coverage of net charge-offs (x) | 5.1216% | 2,917 |
| Efficiency ratio | 63.2811% | 5,878 |
| Assets per employee ($millions) | 3.4736% | 4,994 |
| Cash dividends to net income (ytd only)* | 28.8161% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 3,446 |
| Loan loss allowance to noncurrent loans | 42.1965% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 3.0116% | 2,303 |
| Noncurrent loans to loans | 3.5537% | 2,105 |
| Net loans and leases to total assets | 79.2491% | 1,336 |
| Net loans and leases to deposits | 95.5973% | 1,635 |
| Net loans and leases to core deposits | 123.6175% | 1,943 |
| Total domestic deposits to total assets | 82.8989% | 4,270 |
| Equity capital to assets | 12.5066% | 1,951 |
| Core capital (leverage) ratio | 12.3408% | 1,645 |
| Tier 1 risk-based capital ratio | 16.2913% | 2,519 |
| Total risk-based capital ratio | 17.5455% | 2,451 |
| Memoranda: | ||
| Average total assets | $185,183,000 | 3,384 |
| Average earning assets | $171,997,750 | 3,345 |
| Average equity | $22,939,500 | 2,861 |
| Average total loans | $146,156,500 | 3,015 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1941% | 1,477 |
| Cost of funding earning assets | 2.0694% | 3,425 |
| Net interest margin | 4.1247% | 2,241 |
| Noninterest income to average assets | 0.6703% | 3,192 |
| Noninterest expense to average assets | 2.8516% | 4,727 |
| Loan and lease loss provision to assets | 0.4068% | 3,487 |
| Net operating income to assets | 0.8699% | 2,575 |
| Return on assets (ROA) | 0.8699% | 2,681 |
| Pretax return on assets | 1.2235% | 2,233 |
| Return on Equity (ROE) | 7.0455% | 3,188 |
| Retained earnings to average equity (ytd only) | 3.9444% | 3,085 |
| Net charge-offs to loans | 0.3542% | 3,413 |
| Credit loss provision to net charge-offs | 146.4844% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.8711% | 2,740 |
| Efficiency ratio | 63.6254% | 5,977 |
| Assets per employee ($millions) | 3.3643% | 5,148 |
| Cash dividends to net income (ytd only)* | 44.0150% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 2,926 |
| Loan loss allowance to noncurrent loans | 44.3552% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 2.9659% | 2,148 |
| Noncurrent loans to loans | 3.5101% | 2,000 |
| Net loans and leases to total assets | 77.3291% | 1,893 |
| Net loans and leases to deposits | 93.1236% | 2,249 |
| Net loans and leases to core deposits | 120.8736% | 2,287 |
| Total domestic deposits to total assets | 83.0393% | 4,219 |
| Equity capital to assets | 12.3914% | 1,980 |
| Core capital (leverage) ratio | 12.2688% | 1,709 |
| Tier 1 risk-based capital ratio | 16.7295% | 2,389 |
| Total risk-based capital ratio | 17.9848% | 2,332 |
| Memoranda: | ||
| Average total assets | $184,386,330 | 3,416 |
| Average earning assets | $170,388,670 | 3,390 |
| Average equity | $22,766,330 | 2,880 |
| Average total loans | $144,571,000 | 3,072 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1872% | 1,641 |
| Cost of funding earning assets | 2.1683% | 3,328 |
| Net interest margin | 4.0190% | 2,574 |
| Noninterest income to average assets | 0.6367% | 3,295 |
| Noninterest expense to average assets | 2.7795% | 4,654 |
| Loan and lease loss provision to assets | 0.4086% | 2,875 |
| Net operating income to assets | 0.8345% | 2,978 |
| Return on assets (ROA) | 0.8345% | 3,125 |
| Pretax return on assets | 1.1344% | 2,856 |
| Return on Equity (ROE) | 6.7710% | 3,686 |
| Retained earnings to average equity (ytd only) | 6.7710% | 2,301 |
| Net charge-offs to loans | 0.4550% | 2,315 |
| Credit loss provision to net charge-offs | 114.6341% | 3,393 |
| Earnings coverage of net charge-offs (x) | 4.3293% | 2,909 |
| Efficiency ratio | 64.3037% | 5,633 |
| Assets per employee ($millions) | 3.3963% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 2,972 |
| Loan loss allowance to noncurrent loans | 44.0561% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 2.9558% | 1,911 |
| Noncurrent loans to loans | 3.4108% | 1,874 |
| Net loans and leases to total assets | 77.4844% | 1,938 |
| Net loans and leases to deposits | 93.2369% | 2,398 |
| Net loans and leases to core deposits | 120.5091% | 2,374 |
| Total domestic deposits to total assets | 83.1049% | 4,091 |
| Equity capital to assets | 12.4791% | 1,986 |
| Core capital (leverage) ratio | 12.2203% | 1,805 |
| Tier 1 risk-based capital ratio | 16.6626% | 2,460 |
| Total risk-based capital ratio | 17.9172% | 2,385 |
| Memoranda: | ||
| Average total assets | $184,060,000 | 3,445 |
| Average earning assets | $168,799,500 | 3,437 |
| Average equity | $22,685,000 | 2,898 |
| Average total loans | $144,180,500 | 3,105 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8827% | 1,452 |
| Cost of funding earning assets | 2.8537% | 2,467 |
| Net interest margin | 4.0290% | 2,984 |
| Noninterest income to average assets | 0.7821% | 2,609 |
| Noninterest expense to average assets | 2.5260% | 5,906 |
| Loan and lease loss provision to assets | 0.8763% | 1,700 |
| Net operating income to assets | 0.8140% | 3,371 |
| Return on assets (ROA) | 0.8262% | 3,165 |
| Pretax return on assets | 1.1000% | 3,025 |
| Return on Equity (ROE) | 6.8006% | 3,622 |
| Retained earnings to average equity (ytd only) | 0.9274% | 4,677 |
| Net charge-offs to loans | 0.9944% | 1,247 |
| Credit loss provision to net charge-offs | 112.2734% | 4,801 |
| Earnings coverage of net charge-offs (x) | 2.5112% | 4,818 |
| Efficiency ratio | 56.3091% | 6,964 |
| Assets per employee ($millions) | 2.9793% | 6,103 |
| Cash dividends to net income (ytd only)* | 86.3636% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 2,752 |
| Loan loss allowance to noncurrent loans | 45.9002% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 2.6911% | 1,766 |
| Noncurrent loans to loans | 3.2418% | 1,615 |
| Net loans and leases to total assets | 76.8420% | 2,418 |
| Net loans and leases to deposits | 92.3848% | 3,071 |
| Net loans and leases to core deposits | 121.7771% | 2,528 |
| Total domestic deposits to total assets | 83.1760% | 3,695 |
| Equity capital to assets | 12.1715% | 2,175 |
| Core capital (leverage) ratio | 12.1453% | 1,903 |
| Tier 1 risk-based capital ratio | 16.4202% | 2,513 |
| Total risk-based capital ratio | 17.6741% | 2,450 |
| Memoranda: | ||
| Average total assets | $183,725,600 | 3,361 |
| Average earning assets | $168,902,400 | 3,352 |
| Average equity | $22,321,400 | 2,934 |
| Average total loans | $144,204,800 | 3,018 |