Home > United Citizens Bank of Southern Kentucky > Performance and Condition Ratios
United Citizens Bank of Southern Kentucky, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9778% | 655 |
| Cost of funding earning assets | 1.7468% | 1,365 |
| Net interest margin | 4.2310% | 892 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 2.8041% | 1,483 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.2787% | 1,473 |
| Return on assets (ROA) | 1.2787% | 1,446 |
| Pretax return on assets | 1.7035% | 1,059 |
| Return on Equity (ROE) | 11.7700% | 2,015 |
| Retained earnings to average equity (ytd only) | 5.9273% | 2,276 |
| Net charge-offs to loans | 0.0769% | 1,098 |
| Credit loss provision to net charge-offs | 163.2653% | 1,389 |
| Earnings coverage of net charge-offs (x) | 27.9320% | 1,674 |
| Efficiency ratio | 60.7832% | 2,992 |
| Assets per employee ($millions) | 4.1303% | 4,112 |
| Cash dividends to net income (ytd only)* | 49.6210% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 1,746 |
| Loan loss allowance to noncurrent loans | 470.4587% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2356% | 2,036 |
| Noncurrent loans to loans | 0.2772% | 2,187 |
| Net loans and leases to total assets | 83.9100% | 275 |
| Net loans and leases to deposits | 97.5511% | 673 |
| Net loans and leases to core deposits | 107.4856% | 1,051 |
| Total domestic deposits to total assets | 86.0100% | 2,014 |
| Equity capital to assets | 11.2817% | 1,376 |
| Core capital (leverage) ratio | 12.1861% | 1,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7832% | 1,117 |
| Memoranda: | ||
| Average total assets | $226,949,400 | 2,800 |
| Average earning assets | $211,532,200 | 2,793 |
| Average equity | $24,665,400 | 2,540 |
| Average total loans | $191,134,400 | 2,353 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8208% | 663 |
| Cost of funding earning assets | 1.6492% | 1,278 |
| Net interest margin | 4.1716% | 959 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 2.6600% | 1,771 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.3341% | 1,463 |
| Return on assets (ROA) | 1.3341% | 1,446 |
| Pretax return on assets | 1.7739% | 1,041 |
| Return on Equity (ROE) | 12.4000% | 2,029 |
| Retained earnings to average equity (ytd only) | 4.4977% | 3,106 |
| Net charge-offs to loans | 0.0583% | 1,085 |
| Credit loss provision to net charge-offs | 216.8675% | 1,067 |
| Earnings coverage of net charge-offs (x) | 38.3735% | 1,470 |
| Efficiency ratio | 58.5880% | 3,136 |
| Assets per employee ($millions) | 4.0241% | 4,160 |
| Cash dividends to net income (ytd only)* | 63.7168% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 1,774 |
| Loan loss allowance to noncurrent loans | 608.5308% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 2,341 |
| Noncurrent loans to loans | 0.2169% | 2,485 |
| Net loans and leases to total assets | 85.2000% | 197 |
| Net loans and leases to deposits | 98.8789% | 565 |
| Net loans and leases to core deposits | 108.7917% | 918 |
| Total domestic deposits to total assets | 86.1700% | 2,144 |
| Equity capital to assets | 11.0738% | 1,320 |
| Core capital (leverage) ratio | 12.1228% | 1,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4706% | 1,207 |
| Memoranda: | ||
| Average total assets | $225,863,250 | 2,820 |
| Average earning assets | $210,689,000 | 2,813 |
| Average equity | $24,308,250 | 2,549 |
| Average total loans | $189,758,250 | 2,363 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5566% | 772 |
| Cost of funding earning assets | 1.5509% | 1,161 |
| Net interest margin | 4.0056% | 1,231 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.6474% | 1,802 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.2104% | 1,806 |
| Return on assets (ROA) | 1.2104% | 1,793 |
| Pretax return on assets | 1.6095% | 1,393 |
| Return on Equity (ROE) | 11.3600% | 2,339 |
| Retained earnings to average equity (ytd only) | -0.5977% | 4,173 |
| Net charge-offs to loans | 0.0223% | 1,435 |
| Credit loss provision to net charge-offs | 571.4286% | 595 |
| Earnings coverage of net charge-offs (x) | 92.3333% | 982 |
| Efficiency ratio | 60.6773% | 2,872 |
| Assets per employee ($millions) | 4.1208% | 4,137 |
| Cash dividends to net income (ytd only)* | 105.2632% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 1,798 |
| Loan loss allowance to noncurrent loans | 679.8942% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 2,364 |
| Noncurrent loans to loans | 0.1956% | 2,485 |
| Net loans and leases to total assets | 85.7000% | 167 |
| Net loans and leases to deposits | 99.6353% | 530 |
| Net loans and leases to core deposits | 108.2740% | 896 |
| Total domestic deposits to total assets | 86.0100% | 2,226 |
| Equity capital to assets | 10.9364% | 1,413 |
| Core capital (leverage) ratio | 11.5384% | 1,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0161% | 1,316 |
| Memoranda: | ||
| Average total assets | $226,034,000 | 2,830 |
| Average earning assets | $211,102,000 | 2,819 |
| Average equity | $24,092,667 | 2,566 |
| Average total loans | $188,154,667 | 2,369 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2285% | 915 |
| Cost of funding earning assets | 1.5309% | 792 |
| Net interest margin | 3.6976% | 1,905 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.6042% | 1,942 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.0202% | 2,466 |
| Return on assets (ROA) | 1.0202% | 2,432 |
| Pretax return on assets | 1.3556% | 2,002 |
| Return on Equity (ROE) | 9.7000% | 2,876 |
| Retained earnings to average equity (ytd only) | -14.3340% | 4,541 |
| Net charge-offs to loans | 0.0302% | 1,104 |
| Credit loss provision to net charge-offs | 428.5714% | 596 |
| Earnings coverage of net charge-offs (x) | 59.4286% | 1,025 |
| Efficiency ratio | 64.0605% | 2,447 |
| Assets per employee ($millions) | 4.1995% | 4,167 |
| Cash dividends to net income (ytd only)* | 247.8485% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 1,871 |
| Loan loss allowance to noncurrent loans | 703.0726% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.1550% | 2,419 |
| Noncurrent loans to loans | 0.1901% | 2,524 |
| Net loans and leases to total assets | 80.4500% | 499 |
| Net loans and leases to deposits | 96.1464% | 643 |
| Net loans and leases to core deposits | 102.6176% | 981 |
| Total domestic deposits to total assets | 83.6800% | 3,162 |
| Equity capital to assets | 10.2328% | 1,707 |
| Core capital (leverage) ratio | 10.9629% | 1,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8593% | 1,407 |
| Memoranda: | ||
| Average total assets | $227,790,000 | 2,851 |
| Average earning assets | $212,680,500 | 2,840 |
| Average equity | $23,971,000 | 2,602 |
| Average total loans | $185,595,500 | 2,402 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 391 |
| Cost of funding earning assets | 0.5384% | 1,169 |
| Net interest margin | 4.3136% | 409 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 3.0014% | 968 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1769% | 1,870 |
| Return on assets (ROA) | 1.1769% | 1,806 |
| Pretax return on assets | 1.5628% | 1,258 |
| Return on Equity (ROE) | 10.4900% | 2,646 |
| Retained earnings to average equity (ytd only) | 2.5034% | 3,856 |
| Net charge-offs to loans | 0.0314% | 1,442 |
| Credit loss provision to net charge-offs | 351.8519% | 839 |
| Earnings coverage of net charge-offs (x) | 65.5370% | 1,194 |
| Efficiency ratio | 64.5071% | 2,435 |
| Assets per employee ($millions) | 4.1594% | 4,218 |
| Cash dividends to net income (ytd only)* | 76.1301% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 1,677 |
| Loan loss allowance to noncurrent loans | 504.2857% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 2,066 |
| Noncurrent loans to loans | 0.2680% | 2,193 |
| Net loans and leases to total assets | 80.3100% | 561 |
| Net loans and leases to deposits | 97.7129% | 536 |
| Net loans and leases to core deposits | 104.4422% | 807 |
| Total domestic deposits to total assets | 82.1900% | 3,590 |
| Equity capital to assets | 10.8221% | 1,334 |
| Core capital (leverage) ratio | 11.5335% | 1,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8426% | 1,154 |
| Memoranda: | ||
| Average total assets | $214,298,600 | 2,948 |
| Average earning assets | $200,576,400 | 2,932 |
| Average equity | $24,047,600 | 2,635 |
| Average total loans | $171,717,200 | 2,442 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7798% | 294 |
| Cost of funding earning assets | 0.3821% | 1,425 |
| Net interest margin | 4.3977% | 282 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 2.7192% | 1,427 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.4358% | 992 |
| Return on assets (ROA) | 1.4358% | 969 |
| Pretax return on assets | 1.9100% | 568 |
| Return on Equity (ROE) | 12.6800% | 1,812 |
| Retained earnings to average equity (ytd only) | 2.0014% | 4,034 |
| Net charge-offs to loans | 0.0284% | 1,264 |
| Credit loss provision to net charge-offs | 416.6667% | 684 |
| Earnings coverage of net charge-offs (x) | 88.4167% | 1,003 |
| Efficiency ratio | 57.5657% | 3,436 |
| Assets per employee ($millions) | 4.0008% | 4,322 |
| Cash dividends to net income (ytd only)* | 84.2105% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 1,718 |
| Loan loss allowance to noncurrent loans | 576.2353% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 2,339 |
| Noncurrent loans to loans | 0.2377% | 2,438 |
| Net loans and leases to total assets | 78.7300% | 637 |
| Net loans and leases to deposits | 90.9730% | 828 |
| Net loans and leases to core deposits | 102.7717% | 708 |
| Total domestic deposits to total assets | 86.5400% | 2,905 |
| Equity capital to assets | 10.5898% | 1,340 |
| Core capital (leverage) ratio | 11.5892% | 1,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9949% | 1,176 |
| Memoranda: | ||
| Average total assets | $211,721,750 | 2,988 |
| Average earning assets | $197,857,250 | 2,973 |
| Average equity | $23,982,750 | 2,688 |
| Average total loans | $168,934,000 | 2,465 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6991% | 255 |
| Cost of funding earning assets | 0.3456% | 1,313 |
| Net interest margin | 4.3534% | 250 |
| Noninterest income to average assets | 0.6310% | 1,614 |
| Noninterest expense to average assets | 2.7590% | 1,254 |
| Loan and lease loss provision to assets | 0.0867% | 1,141 |
| Net operating income to assets | 1.4026% | 901 |
| Return on assets (ROA) | 1.4026% | 876 |
| Pretax return on assets | 1.8621% | 508 |
| Return on Equity (ROE) | 12.0989% | 1,644 |
| Retained earnings to average equity (ytd only) | -3.8557% | 4,493 |
| Net charge-offs to loans | 0.0374% | 1,009 |
| Credit loss provision to net charge-offs | 290.3226% | 811 |
| Earnings coverage of net charge-offs (x) | 65.2581% | 1,040 |
| Efficiency ratio | 58.6045% | 3,478 |
| Assets per employee ($millions) | 4.0478% | 4,344 |
| Cash dividends to net income (ytd only)* | 131.8681% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 1,806 |
| Loan loss allowance to noncurrent loans | 767.3077% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 2,724 |
| Noncurrent loans to loans | 0.1807% | 2,792 |
| Net loans and leases to total assets | 77.9115% | 561 |
| Net loans and leases to deposits | 87.4885% | 876 |
| Net loans and leases to core deposits | 101.0599% | 624 |
| Total domestic deposits to total assets | 89.0534% | 2,160 |
| Equity capital to assets | 10.7800% | 1,322 |
| Core capital (leverage) ratio | 11.2984% | 1,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8845% | 1,205 |
| Memoranda: | ||
| Average total assets | $207,613,667 | 3,047 |
| Average earning assets | $194,421,333 | 3,034 |
| Average equity | $24,068,333 | 2,743 |
| Average total loans | $165,634,667 | 2,504 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6071% | 251 |
| Cost of funding earning assets | 0.3145% | 1,518 |
| Net interest margin | 4.2926% | 239 |
| Noninterest income to average assets | 0.6530% | 1,480 |
| Noninterest expense to average assets | 2.7270% | 1,300 |
| Loan and lease loss provision to assets | 0.0594% | 1,339 |
| Net operating income to assets | 1.4248% | 751 |
| Return on assets (ROA) | 1.4248% | 747 |
| Pretax return on assets | 1.8918% | 457 |
| Return on Equity (ROE) | 11.8416% | 1,369 |
| Retained earnings to average equity (ytd only) | -19.7360% | 4,697 |
| Net charge-offs to loans | 0.0173% | 1,186 |
| Credit loss provision to net charge-offs | 428.5714% | 564 |
| Earnings coverage of net charge-offs (x) | 140.8571% | 560 |
| Efficiency ratio | 58.2910% | 3,648 |
| Assets per employee ($millions) | 3.9301% | 4,429 |
| Cash dividends to net income (ytd only)* | 266.6667% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 1,786 |
| Loan loss allowance to noncurrent loans | 736.8750% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 2,761 |
| Noncurrent loans to loans | 0.1945% | 2,840 |
| Net loans and leases to total assets | 75.0285% | 578 |
| Net loans and leases to deposits | 85.6604% | 765 |
| Net loans and leases to core deposits | 98.4658% | 562 |
| Total domestic deposits to total assets | 87.5882% | 2,710 |
| Equity capital to assets | 10.7870% | 1,451 |
| Core capital (leverage) ratio | 12.2854% | 977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7349% | 1,329 |
| Memoranda: | ||
| Average total assets | $202,130,500 | 3,088 |
| Average earning assets | $189,534,500 | 3,084 |
| Average equity | $24,321,000 | 2,816 |
| Average total loans | $162,105,500 | 2,528 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5183% | 130 |
| Cost of funding earning assets | 0.4230% | 1,370 |
| Net interest margin | 5.0953% | 123 |
| Noninterest income to average assets | 0.8595% | 1,305 |
| Noninterest expense to average assets | 2.7316% | 1,542 |
| Loan and lease loss provision to assets | 0.1189% | 1,050 |
| Net operating income to assets | 2.1056% | 285 |
| Return on assets (ROA) | 2.1056% | 298 |
| Pretax return on assets | 2.8019% | 181 |
| Return on Equity (ROE) | 16.1836% | 722 |
| Retained earnings to average equity (ytd only) | 10.2004% | 866 |
| Net charge-offs to loans | -0.0033% | 3,453 |
| Credit loss provision to net charge-offs | -4,400.0000% | 4,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3263% | 4,384 |
| Assets per employee ($millions) | 3.6174% | 4,561 |
| Cash dividends to net income (ytd only)* | 36.9705% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 1,688 |
| Loan loss allowance to noncurrent loans | 830.9609% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 2,899 |
| Noncurrent loans to loans | 0.1760% | 3,065 |
| Net loans and leases to total assets | 83.6446% | 123 |
| Net loans and leases to deposits | 96.9487% | 283 |
| Net loans and leases to core deposits | 102.8830% | 439 |
| Total domestic deposits to total assets | 86.2772% | 2,813 |
| Equity capital to assets | 13.4634% | 773 |
| Core capital (leverage) ratio | 13.3049% | 727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4856% | 970 |
| Memoranda: | ||
| Average total assets | $184,983,600 | 3,167 |
| Average earning assets | $174,003,400 | 3,138 |
| Average equity | $24,067,600 | 2,910 |
| Average total loans | $152,887,400 | 2,607 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7216% | 119 |
| Cost of funding earning assets | 0.4427% | 1,403 |
| Net interest margin | 5.2789% | 108 |
| Noninterest income to average assets | 0.8693% | 1,327 |
| Noninterest expense to average assets | 2.6036% | 1,823 |
| Loan and lease loss provision to assets | 0.1156% | 1,037 |
| Net operating income to assets | 2.3444% | 261 |
| Return on assets (ROA) | 2.3444% | 269 |
| Pretax return on assets | 3.1211% | 159 |
| Return on Equity (ROE) | 18.1809% | 606 |
| Retained earnings to average equity (ytd only) | 10.0980% | 1,286 |
| Net charge-offs to loans | -0.0062% | 3,501 |
| Credit loss provision to net charge-offs | -2,285.7143% | 4,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5780% | 4,559 |
| Assets per employee ($millions) | 4.1825% | 4,340 |
| Cash dividends to net income (ytd only)* | 44.4582% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4955% | 1,653 |
| Loan loss allowance to noncurrent loans | 462.0690% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 2,492 |
| Noncurrent loans to loans | 0.3236% | 2,621 |
| Net loans and leases to total assets | 77.9902% | 407 |
| Net loans and leases to deposits | 89.8105% | 618 |
| Net loans and leases to core deposits | 94.9888% | 791 |
| Total domestic deposits to total assets | 86.8386% | 2,415 |
| Equity capital to assets | 12.8896% | 1,021 |
| Core capital (leverage) ratio | 12.8388% | 884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3296% | 1,075 |
| Memoranda: | ||
| Average total assets | $184,203,750 | 3,212 |
| Average earning assets | $173,466,250 | 3,185 |
| Average equity | $23,753,250 | 2,963 |
| Average total loans | $151,191,000 | 2,660 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2201% | 76 |
| Cost of funding earning assets | 0.4653% | 1,414 |
| Net interest margin | 5.7548% | 73 |
| Noninterest income to average assets | 0.8916% | 1,291 |
| Noninterest expense to average assets | 2.5987% | 1,858 |
| Loan and lease loss provision to assets | 0.1102% | 1,147 |
| Net operating income to assets | 2.6990% | 172 |
| Return on assets (ROA) | 2.6990% | 177 |
| Pretax return on assets | 3.5939% | 112 |
| Return on Equity (ROE) | 20.9275% | 385 |
| Retained earnings to average equity (ytd only) | 8.6222% | 1,844 |
| Net charge-offs to loans | -0.0106% | 3,691 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2310% | 4,715 |
| Assets per employee ($millions) | 4.0565% | 4,417 |
| Cash dividends to net income (ytd only)* | 58.7995% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 1,803 |
| Loan loss allowance to noncurrent loans | 561.5190% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 2,906 |
| Noncurrent loans to loans | 0.2568% | 3,019 |
| Net loans and leases to total assets | 79.5063% | 345 |
| Net loans and leases to deposits | 91.2688% | 580 |
| Net loans and leases to core deposits | 96.7376% | 774 |
| Total domestic deposits to total assets | 87.1123% | 2,260 |
| Equity capital to assets | 12.6035% | 1,088 |
| Core capital (leverage) ratio | 12.7353% | 857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7255% | 1,183 |
| Memoranda: | ||
| Average total assets | $181,473,000 | 3,244 |
| Average earning assets | $170,641,000 | 3,213 |
| Average equity | $23,404,667 | 2,977 |
| Average total loans | $150,812,000 | 2,676 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9960% | 49 |
| Cost of funding earning assets | 0.5061% | 1,354 |
| Net interest margin | 6.4899% | 43 |
| Noninterest income to average assets | 0.9837% | 1,161 |
| Noninterest expense to average assets | 2.6300% | 1,800 |
| Loan and lease loss provision to assets | 0.1357% | 995 |
| Net operating income to assets | 3.2315% | 126 |
| Return on assets (ROA) | 3.2315% | 138 |
| Pretax return on assets | 4.3079% | 92 |
| Return on Equity (ROE) | 24.7526% | 268 |
| Retained earnings to average equity (ytd only) | -0.1905% | 4,381 |
| Net charge-offs to loans | 0.0938% | 717 |
| Credit loss provision to net charge-offs | 171.4286% | 941 |
| Earnings coverage of net charge-offs (x) | 56.1429% | 853 |
| Efficiency ratio | 37.1803% | 4,827 |
| Assets per employee ($millions) | 3.8704% | 4,552 |
| Cash dividends to net income (ytd only)* | 100.7698% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 1,873 |
| Loan loss allowance to noncurrent loans | 606.5341% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 3,197 |
| Noncurrent loans to loans | 0.2343% | 3,268 |
| Net loans and leases to total assets | 81.4151% | 253 |
| Net loans and leases to deposits | 93.7414% | 508 |
| Net loans and leases to core deposits | 99.8604% | 720 |
| Total domestic deposits to total assets | 86.8507% | 2,369 |
| Equity capital to assets | 12.6705% | 1,003 |
| Core capital (leverage) ratio | 13.0215% | 837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4281% | 1,189 |
| Memoranda: | ||
| Average total assets | $176,882,500 | 3,267 |
| Average earning assets | $165,980,000 | 3,253 |
| Average equity | $23,092,500 | 2,984 |
| Average total loans | $149,318,000 | 2,697 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3372% | 243 |
| Cost of funding earning assets | 0.9546% | 705 |
| Net interest margin | 4.3826% | 421 |
| Noninterest income to average assets | 1.0189% | 1,018 |
| Noninterest expense to average assets | 2.8145% | 1,904 |
| Loan and lease loss provision to assets | 0.1325% | 2,703 |
| Net operating income to assets | 1.7167% | 478 |
| Return on assets (ROA) | 1.7167% | 518 |
| Pretax return on assets | 2.1806% | 309 |
| Return on Equity (ROE) | 13.6692% | 889 |
| Retained earnings to average equity (ytd only) | 8.6034% | 878 |
| Net charge-offs to loans | 0.0609% | 1,906 |
| Credit loss provision to net charge-offs | 258.4270% | 1,896 |
| Earnings coverage of net charge-offs (x) | 45.1011% | 1,288 |
| Efficiency ratio | 54.8887% | 4,104 |
| Assets per employee ($millions) | 3.8190% | 4,492 |
| Cash dividends to net income (ytd only)* | 37.0594% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 1,883 |
| Loan loss allowance to noncurrent loans | 837.3016% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 3,551 |
| Noncurrent loans to loans | 0.1698% | 3,601 |
| Net loans and leases to total assets | 85.1234% | 128 |
| Net loans and leases to deposits | 98.8760% | 420 |
| Net loans and leases to core deposits | 105.8294% | 647 |
| Total domestic deposits to total assets | 86.0911% | 2,327 |
| Equity capital to assets | 13.4626% | 940 |
| Core capital (leverage) ratio | 13.3659% | 814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8680% | 1,080 |
| Memoranda: | ||
| Average total assets | $173,528,000 | 3,163 |
| Average earning assets | $162,687,400 | 3,139 |
| Average equity | $21,793,600 | 3,028 |
| Average total loans | $146,177,200 | 2,696 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3623% | 302 |
| Cost of funding earning assets | 1.0460% | 648 |
| Net interest margin | 4.3163% | 566 |
| Noninterest income to average assets | 0.8286% | 1,398 |
| Noninterest expense to average assets | 2.6674% | 2,347 |
| Loan and lease loss provision to assets | 0.1305% | 2,718 |
| Net operating income to assets | 1.6464% | 652 |
| Return on assets (ROA) | 1.6464% | 725 |
| Pretax return on assets | 2.0826% | 434 |
| Return on Equity (ROE) | 13.3467% | 1,018 |
| Retained earnings to average equity (ytd only) | 6.4869% | 1,889 |
| Net charge-offs to loans | 0.0650% | 1,684 |
| Credit loss provision to net charge-offs | 239.4366% | 1,965 |
| Earnings coverage of net charge-offs (x) | 40.6620% | 1,350 |
| Efficiency ratio | 54.6568% | 4,083 |
| Assets per employee ($millions) | 3.7203% | 4,545 |
| Cash dividends to net income (ytd only)* | 51.3966% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 1,632 |
| Loan loss allowance to noncurrent loans | 531.6195% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 3,311 |
| Noncurrent loans to loans | 0.2682% | 3,334 |
| Net loans and leases to total assets | 83.5558% | 318 |
| Net loans and leases to deposits | 96.5139% | 725 |
| Net loans and leases to core deposits | 103.2649% | 968 |
| Total domestic deposits to total assets | 86.5738% | 1,826 |
| Equity capital to assets | 13.0423% | 1,163 |
| Core capital (leverage) ratio | 12.7016% | 1,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5545% | 1,124 |
| Memoranda: | ||
| Average total assets | $173,946,500 | 3,142 |
| Average earning assets | $163,285,500 | 3,121 |
| Average equity | $21,458,000 | 3,054 |
| Average total loans | $145,622,000 | 2,703 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3999% | 404 |
| Cost of funding earning assets | 1.1427% | 626 |
| Net interest margin | 4.2572% | 816 |
| Noninterest income to average assets | 0.7960% | 1,448 |
| Noninterest expense to average assets | 2.6040% | 2,649 |
| Loan and lease loss provision to assets | 0.1258% | 2,771 |
| Net operating income to assets | 1.6319% | 712 |
| Return on assets (ROA) | 1.6319% | 777 |
| Pretax return on assets | 2.0585% | 488 |
| Return on Equity (ROE) | 13.4809% | 981 |
| Retained earnings to average equity (ytd only) | 3.0514% | 3,366 |
| Net charge-offs to loans | 0.0850% | 1,401 |
| Credit loss provision to net charge-offs | 177.4194% | 2,003 |
| Earnings coverage of net charge-offs (x) | 30.8065% | 1,413 |
| Efficiency ratio | 54.3826% | 4,133 |
| Assets per employee ($millions) | 3.7785% | 4,486 |
| Cash dividends to net income (ytd only)* | 77.3651% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3886% | 1,631 |
| Loan loss allowance to noncurrent loans | 702.7875% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 3,718 |
| Noncurrent loans to loans | 0.1976% | 3,668 |
| Net loans and leases to total assets | 80.6586% | 522 |
| Net loans and leases to deposits | 92.3837% | 1,114 |
| Net loans and leases to core deposits | 99.8070% | 1,268 |
| Total domestic deposits to total assets | 87.3083% | 1,493 |
| Equity capital to assets | 12.1731% | 1,552 |
| Core capital (leverage) ratio | 12.0240% | 1,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0787% | 1,232 |
| Memoranda: | ||
| Average total assets | $174,883,333 | 3,121 |
| Average earning assets | $164,004,333 | 3,098 |
| Average equity | $21,170,667 | 3,069 |
| Average total loans | $145,808,667 | 2,692 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4803% | 390 |
| Cost of funding earning assets | 1.2326% | 690 |
| Net interest margin | 4.2477% | 835 |
| Noninterest income to average assets | 0.7445% | 1,477 |
| Noninterest expense to average assets | 2.5609% | 3,098 |
| Loan and lease loss provision to assets | 0.1153% | 2,241 |
| Net operating income to assets | 1.6343% | 583 |
| Return on assets (ROA) | 1.6343% | 642 |
| Pretax return on assets | 2.0561% | 402 |
| Return on Equity (ROE) | 13.5389% | 787 |
| Retained earnings to average equity (ytd only) | -7.5428% | 4,669 |
| Net charge-offs to loans | 0.3121% | 466 |
| Credit loss provision to net charge-offs | 43.8596% | 2,080 |
| Earnings coverage of net charge-offs (x) | 8.2632% | 1,873 |
| Efficiency ratio | 54.1159% | 4,390 |
| Assets per employee ($millions) | 3.7679% | 4,200 |
| Cash dividends to net income (ytd only)* | 155.7123% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 2,136 |
| Loan loss allowance to noncurrent loans | 314.3564% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 3,037 |
| Noncurrent loans to loans | 0.4146% | 3,007 |
| Net loans and leases to total assets | 83.2337% | 333 |
| Net loans and leases to deposits | 96.7676% | 839 |
| Net loans and leases to core deposits | 107.3265% | 975 |
| Total domestic deposits to total assets | 86.0141% | 2,000 |
| Equity capital to assets | 12.0070% | 2,063 |
| Core capital (leverage) ratio | 11.8635% | 1,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6011% | 1,439 |
| Memoranda: | ||
| Average total assets | $173,531,000 | 3,101 |
| Average earning assets | $162,911,000 | 3,082 |
| Average equity | $20,947,000 | 3,080 |
| Average total loans | $146,084,500 | 2,668 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4908% | 567 |
| Cost of funding earning assets | 1.2482% | 899 |
| Net interest margin | 4.2426% | 1,226 |
| Noninterest income to average assets | 0.7024% | 1,813 |
| Noninterest expense to average assets | 2.7562% | 2,732 |
| Loan and lease loss provision to assets | 0.1263% | 1,685 |
| Net operating income to assets | 1.4578% | 1,166 |
| Return on assets (ROA) | 1.4578% | 1,227 |
| Pretax return on assets | 1.7855% | 976 |
| Return on Equity (ROE) | 12.0915% | 1,476 |
| Retained earnings to average equity (ytd only) | 7.0633% | 1,367 |
| Net charge-offs to loans | 0.0756% | 2,011 |
| Credit loss provision to net charge-offs | 196.2617% | 1,351 |
| Earnings coverage of net charge-offs (x) | 29.7103% | 1,590 |
| Efficiency ratio | 59.0441% | 3,835 |
| Assets per employee ($millions) | 3.6966% | 4,272 |
| Cash dividends to net income (ytd only)* | 41.5842% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 1,716 |
| Loan loss allowance to noncurrent loans | 442.4719% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 3,203 |
| Noncurrent loans to loans | 0.3048% | 3,344 |
| Net loans and leases to total assets | 82.9013% | 440 |
| Net loans and leases to deposits | 97.3367% | 813 |
| Net loans and leases to core deposits | 110.0162% | 851 |
| Total domestic deposits to total assets | 85.1696% | 2,432 |
| Equity capital to assets | 12.1349% | 2,055 |
| Core capital (leverage) ratio | 12.2100% | 1,646 |
| Tier 1 risk-based capital ratio | 15.5821% | 2,550 |
| Total risk-based capital ratio | 16.8348% | 2,487 |
| Memoranda: | ||
| Average total assets | $166,280,600 | 3,140 |
| Average earning assets | $155,422,600 | 3,128 |
| Average equity | $20,047,200 | 3,129 |
| Average total loans | $141,457,600 | 2,707 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4676% | 623 |
| Cost of funding earning assets | 1.2276% | 957 |
| Net interest margin | 4.2401% | 1,283 |
| Noninterest income to average assets | 0.7177% | 1,711 |
| Noninterest expense to average assets | 2.6477% | 3,017 |
| Loan and lease loss provision to assets | 0.1216% | 1,607 |
| Net operating income to assets | 1.5619% | 1,019 |
| Return on assets (ROA) | 1.5619% | 1,079 |
| Pretax return on assets | 1.9089% | 847 |
| Return on Equity (ROE) | 12.9771% | 1,283 |
| Retained earnings to average equity (ytd only) | 6.1853% | 2,287 |
| Net charge-offs to loans | 0.0228% | 2,646 |
| Credit loss provision to net charge-offs | 625.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 104.3306% | 729 |
| Efficiency ratio | 56.5956% | 4,108 |
| Assets per employee ($millions) | 3.5734% | 4,423 |
| Cash dividends to net income (ytd only)* | 52.3365% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 1,664 |
| Loan loss allowance to noncurrent loans | 290.3790% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.7393% | 1,862 |
| Noncurrent loans to loans | 0.4738% | 2,875 |
| Net loans and leases to total assets | 83.2589% | 421 |
| Net loans and leases to deposits | 97.6685% | 855 |
| Net loans and leases to core deposits | 109.8218% | 958 |
| Total domestic deposits to total assets | 85.2464% | 2,323 |
| Equity capital to assets | 12.0082% | 2,254 |
| Core capital (leverage) ratio | 12.2764% | 1,691 |
| Tier 1 risk-based capital ratio | 15.3710% | 2,680 |
| Total risk-based capital ratio | 16.6240% | 2,614 |
| Memoranda: | ||
| Average total assets | $164,416,250 | 3,192 |
| Average earning assets | $153,578,250 | 3,181 |
| Average equity | $19,788,250 | 3,170 |
| Average total loans | $140,322,000 | 2,749 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4452% | 621 |
| Cost of funding earning assets | 1.2039% | 984 |
| Net interest margin | 4.2413% | 1,263 |
| Noninterest income to average assets | 0.6912% | 1,749 |
| Noninterest expense to average assets | 2.6215% | 3,142 |
| Loan and lease loss provision to assets | 0.1111% | 1,683 |
| Net operating income to assets | 1.5934% | 925 |
| Return on assets (ROA) | 1.5934% | 970 |
| Pretax return on assets | 1.9155% | 806 |
| Return on Equity (ROE) | 13.2284% | 1,176 |
| Retained earnings to average equity (ytd only) | 2.8998% | 3,766 |
| Net charge-offs to loans | 0.0360% | 2,152 |
| Credit loss provision to net charge-offs | 360.0000% | 787 |
| Earnings coverage of net charge-offs (x) | 65.6800% | 938 |
| Efficiency ratio | 56.3994% | 4,203 |
| Assets per employee ($millions) | 3.7564% | 4,170 |
| Cash dividends to net income (ytd only)* | 78.0790% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 1,748 |
| Loan loss allowance to noncurrent loans | 275.0712% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.7769% | 1,793 |
| Noncurrent loans to loans | 0.4975% | 2,789 |
| Net loans and leases to total assets | 84.2100% | 341 |
| Net loans and leases to deposits | 98.7611% | 769 |
| Net loans and leases to core deposits | 108.9196% | 1,040 |
| Total domestic deposits to total assets | 85.2664% | 2,356 |
| Equity capital to assets | 12.0673% | 2,136 |
| Core capital (leverage) ratio | 12.2778% | 1,657 |
| Tier 1 risk-based capital ratio | 15.3832% | 2,665 |
| Total risk-based capital ratio | 16.6362% | 2,597 |
| Memoranda: | ||
| Average total assets | $162,047,000 | 3,237 |
| Average earning assets | $151,178,330 | 3,214 |
| Average equity | $19,518,670 | 3,194 |
| Average total loans | $138,829,000 | 2,779 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4189% | 604 |
| Cost of funding earning assets | 1.1835% | 946 |
| Net interest margin | 4.2355% | 1,227 |
| Noninterest income to average assets | 0.6607% | 1,780 |
| Noninterest expense to average assets | 2.5831% | 3,264 |
| Loan and lease loss provision to assets | 0.0997% | 1,764 |
| Net operating income to assets | 1.6930% | 737 |
| Return on assets (ROA) | 1.6930% | 762 |
| Pretax return on assets | 1.9398% | 722 |
| Return on Equity (ROE) | 14.0685% | 954 |
| Retained earnings to average equity (ytd only) | -6.8167% | 5,006 |
| Net charge-offs to loans | 0.0668% | 1,385 |
| Credit loss provision to net charge-offs | 173.9130% | 1,138 |
| Earnings coverage of net charge-offs (x) | 35.5652% | 1,228 |
| Efficiency ratio | 55.8792% | 4,351 |
| Assets per employee ($millions) | 3.6601% | 4,397 |
| Cash dividends to net income (ytd only)* | 148.4536% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 1,810 |
| Loan loss allowance to noncurrent loans | 280.2083% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.7787% | 1,812 |
| Noncurrent loans to loans | 0.4870% | 2,850 |
| Net loans and leases to total assets | 84.5150% | 327 |
| Net loans and leases to deposits | 97.9709% | 791 |
| Net loans and leases to core deposits | 107.3873% | 1,079 |
| Total domestic deposits to total assets | 86.2654% | 2,157 |
| Equity capital to assets | 11.9345% | 2,065 |
| Core capital (leverage) ratio | 11.8975% | 1,830 |
| Tier 1 risk-based capital ratio | 15.1848% | 2,801 |
| Total risk-based capital ratio | 16.4380% | 2,711 |
| Memoranda: | ||
| Average total assets | $160,429,500 | 3,296 |
| Average earning assets | $150,066,500 | 3,266 |
| Average equity | $19,305,500 | 3,221 |
| Average total loans | $137,686,000 | 2,820 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3117% | 571 |
| Cost of funding earning assets | 0.8898% | 1,137 |
| Net interest margin | 4.4219% | 891 |
| Noninterest income to average assets | 0.6875% | 1,893 |
| Noninterest expense to average assets | 2.7389% | 2,894 |
| Loan and lease loss provision to assets | 0.1365% | 1,578 |
| Net operating income to assets | 1.5296% | 1,043 |
| Return on assets (ROA) | 1.5296% | 1,030 |
| Pretax return on assets | 1.9325% | 660 |
| Return on Equity (ROE) | 12.8215% | 1,412 |
| Retained earnings to average equity (ytd only) | 7.9848% | 1,243 |
| Net charge-offs to loans | 0.1161% | 1,588 |
| Credit loss provision to net charge-offs | 139.0728% | 1,941 |
| Earnings coverage of net charge-offs (x) | 21.0861% | 1,965 |
| Efficiency ratio | 56.9672% | 4,284 |
| Assets per employee ($millions) | 3.8051% | 4,173 |
| Cash dividends to net income (ytd only)* | 37.7230% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 1,800 |
| Loan loss allowance to noncurrent loans | 291.5625% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.7646% | 1,828 |
| Noncurrent loans to loans | 0.4659% | 2,878 |
| Net loans and leases to total assets | 84.7960% | 335 |
| Net loans and leases to deposits | 100.0827% | 740 |
| Net loans and leases to core deposits | 108.2847% | 1,102 |
| Total domestic deposits to total assets | 84.7259% | 2,763 |
| Equity capital to assets | 12.1336% | 1,795 |
| Core capital (leverage) ratio | 12.4166% | 1,500 |
| Tier 1 risk-based capital ratio | 15.5191% | 2,610 |
| Total risk-based capital ratio | 16.7722% | 2,534 |
| Memoranda: | ||
| Average total assets | $153,896,000 | 3,347 |
| Average earning assets | $143,400,800 | 3,328 |
| Average equity | $18,359,800 | 3,261 |
| Average total loans | $130,081,600 | 2,875 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2535% | 561 |
| Cost of funding earning assets | 0.8356% | 1,168 |
| Net interest margin | 4.4179% | 869 |
| Noninterest income to average assets | 0.6867% | 1,909 |
| Noninterest expense to average assets | 2.6366% | 3,178 |
| Loan and lease loss provision to assets | 0.1400% | 1,424 |
| Net operating income to assets | 1.6035% | 955 |
| Return on assets (ROA) | 1.6035% | 959 |
| Pretax return on assets | 2.0216% | 591 |
| Return on Equity (ROE) | 13.5009% | 1,265 |
| Retained earnings to average equity (ytd only) | 6.9604% | 2,143 |
| Net charge-offs to loans | 0.1705% | 971 |
| Credit loss provision to net charge-offs | 97.5610% | 2,328 |
| Earnings coverage of net charge-offs (x) | 15.0671% | 2,253 |
| Efficiency ratio | 54.9499% | 4,513 |
| Assets per employee ($millions) | 3.6304% | 4,394 |
| Cash dividends to net income (ytd only)* | 48.4451% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 1,844 |
| Loan loss allowance to noncurrent loans | 310.3270% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.7546% | 1,967 |
| Noncurrent loans to loans | 0.4384% | 3,085 |
| Net loans and leases to total assets | 83.7383% | 484 |
| Net loans and leases to deposits | 97.2229% | 1,024 |
| Net loans and leases to core deposits | 104.3647% | 1,431 |
| Total domestic deposits to total assets | 86.1302% | 2,127 |
| Equity capital to assets | 12.0076% | 1,902 |
| Core capital (leverage) ratio | 12.4320% | 1,537 |
| Tier 1 risk-based capital ratio | 15.5705% | 2,616 |
| Total risk-based capital ratio | 16.8245% | 2,553 |
| Memoranda: | ||
| Average total assets | $152,416,750 | 3,390 |
| Average earning assets | $141,844,250 | 3,370 |
| Average equity | $18,102,000 | 3,303 |
| Average total loans | $128,256,750 | 2,921 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1738% | 581 |
| Cost of funding earning assets | 0.7925% | 1,158 |
| Net interest margin | 4.3813% | 884 |
| Noninterest income to average assets | 0.6866% | 1,926 |
| Noninterest expense to average assets | 2.6510% | 3,159 |
| Loan and lease loss provision to assets | 0.1323% | 1,495 |
| Net operating income to assets | 1.5716% | 987 |
| Return on assets (ROA) | 1.5716% | 988 |
| Pretax return on assets | 1.9843% | 623 |
| Return on Equity (ROE) | 13.2829% | 1,270 |
| Retained earnings to average equity (ytd only) | 3.3543% | 3,903 |
| Net charge-offs to loans | 0.0741% | 1,587 |
| Credit loss provision to net charge-offs | 212.7660% | 1,252 |
| Earnings coverage of net charge-offs (x) | 34.0426% | 1,406 |
| Efficiency ratio | 55.6049% | 4,527 |
| Assets per employee ($millions) | 3.5453% | 4,538 |
| Cash dividends to net income (ytd only)* | 74.7475% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4502% | 1,558 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 1.3244% | 1,063 |
| Noncurrent loans to loans | 0.9668% | 1,798 |
| Net loans and leases to total assets | 82.9120% | 587 |
| Net loans and leases to deposits | 96.0821% | 1,127 |
| Net loans and leases to core deposits | 103.3458% | 1,449 |
| Total domestic deposits to total assets | 86.2929% | 2,146 |
| Equity capital to assets | 11.8993% | 1,924 |
| Core capital (leverage) ratio | 12.1661% | 1,607 |
| Tier 1 risk-based capital ratio | 15.4545% | 2,658 |
| Total risk-based capital ratio | 16.7083% | 2,590 |
| Memoranda: | ||
| Average total assets | $151,186,000 | 3,416 |
| Average earning assets | $140,825,330 | 3,400 |
| Average equity | $17,887,670 | 3,345 |
| Average total loans | $126,833,670 | 2,952 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1365% | 551 |
| Cost of funding earning assets | 0.7526% | 1,178 |
| Net interest margin | 4.3839% | 795 |
| Noninterest income to average assets | 0.6775% | 1,922 |
| Noninterest expense to average assets | 2.7259% | 2,953 |
| Loan and lease loss provision to assets | 0.1594% | 1,134 |
| Net operating income to assets | 1.4772% | 1,125 |
| Return on assets (ROA) | 1.4772% | 1,130 |
| Pretax return on assets | 1.8624% | 796 |
| Return on Equity (ROE) | 12.5215% | 1,406 |
| Retained earnings to average equity (ytd only) | -7.4768% | 5,295 |
| Net charge-offs to loans | -0.0032% | 3,890 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4147% | 4,418 |
| Assets per employee ($millions) | 3.7144% | 4,397 |
| Cash dividends to net income (ytd only)* | 159.7122% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 1,558 |
| Loan loss allowance to noncurrent loans | 231.7618% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.9915% | 1,584 |
| Noncurrent loans to loans | 0.6367% | 2,633 |
| Net loans and leases to total assets | 81.8924% | 678 |
| Net loans and leases to deposits | 95.2415% | 1,104 |
| Net loans and leases to core deposits | 102.7104% | 1,464 |
| Total domestic deposits to total assets | 85.9840% | 2,544 |
| Equity capital to assets | 11.5103% | 2,121 |
| Core capital (leverage) ratio | 11.9546% | 1,675 |
| Tier 1 risk-based capital ratio | 15.1584% | 2,799 |
| Total risk-based capital ratio | 16.4121% | 2,734 |
| Memoranda: | ||
| Average total assets | $150,556,000 | 3,461 |
| Average earning assets | $139,784,500 | 3,449 |
| Average equity | $17,761,500 | 3,386 |
| Average total loans | $126,122,500 | 2,986 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1588% | 477 |
| Cost of funding earning assets | 0.6684% | 1,192 |
| Net interest margin | 4.4904% | 626 |
| Noninterest income to average assets | 0.5684% | 2,610 |
| Noninterest expense to average assets | 2.8601% | 2,574 |
| Loan and lease loss provision to assets | 0.1184% | 1,926 |
| Net operating income to assets | 1.0851% | 1,909 |
| Return on assets (ROA) | 1.0922% | 1,900 |
| Pretax return on assets | 1.7755% | 849 |
| Return on Equity (ROE) | 8.9780% | 2,327 |
| Retained earnings to average equity (ytd only) | 4.8554% | 2,216 |
| Net charge-offs to loans | 0.0110% | 3,705 |
| Credit loss provision to net charge-offs | 1,307.6923% | 296 |
| Earnings coverage of net charge-offs (x) | 207.9231% | 384 |
| Efficiency ratio | 60.3025% | 4,218 |
| Assets per employee ($millions) | 3.4610% | 4,753 |
| Cash dividends to net income (ytd only)* | 45.9184% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 1,622 |
| Loan loss allowance to noncurrent loans | 212.0892% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 1.0455% | 1,463 |
| Noncurrent loans to loans | 0.6780% | 2,515 |
| Net loans and leases to total assets | 83.2243% | 526 |
| Net loans and leases to deposits | 98.3234% | 876 |
| Net loans and leases to core deposits | 105.5648% | 1,289 |
| Total domestic deposits to total assets | 84.6434% | 2,977 |
| Equity capital to assets | 12.0910% | 1,767 |
| Core capital (leverage) ratio | 12.3742% | 1,411 |
| Tier 1 risk-based capital ratio | 15.7804% | 2,522 |
| Total risk-based capital ratio | 17.0341% | 2,459 |
| Memoranda: | ||
| Average total assets | $143,561,800 | 3,559 |
| Average earning assets | $133,461,400 | 3,549 |
| Average equity | $17,465,000 | 3,436 |
| Average total loans | $118,425,200 | 3,081 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1394% | 468 |
| Cost of funding earning assets | 0.6487% | 1,247 |
| Net interest margin | 4.4907% | 611 |
| Noninterest income to average assets | 0.5568% | 2,686 |
| Noninterest expense to average assets | 2.7520% | 2,892 |
| Loan and lease loss provision to assets | 0.1312% | 1,654 |
| Net operating income to assets | 1.2328% | 1,566 |
| Return on assets (ROA) | 1.2429% | 1,561 |
| Pretax return on assets | 1.8606% | 766 |
| Return on Equity (ROE) | 10.2001% | 2,035 |
| Retained earnings to average equity (ytd only) | 4.6616% | 3,107 |
| Net charge-offs to loans | 0.0057% | 3,527 |
| Credit loss provision to net charge-offs | 2,800.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 421.5787% | 229 |
| Efficiency ratio | 58.1962% | 4,474 |
| Assets per employee ($millions) | 3.3455% | 4,915 |
| Cash dividends to net income (ytd only)* | 54.2987% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4618% | 1,671 |
| Loan loss allowance to noncurrent loans | 232.7249% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 1.0346% | 1,633 |
| Noncurrent loans to loans | 0.6281% | 2,823 |
| Net loans and leases to total assets | 81.7410% | 736 |
| Net loans and leases to deposits | 96.7072% | 1,041 |
| Net loans and leases to core deposits | 104.1252% | 1,383 |
| Total domestic deposits to total assets | 84.5242% | 2,910 |
| Equity capital to assets | 12.1525% | 1,870 |
| Core capital (leverage) ratio | 12.3371% | 1,492 |
| Tier 1 risk-based capital ratio | 15.7126% | 2,624 |
| Total risk-based capital ratio | 16.9664% | 2,560 |
| Memoranda: | ||
| Average total assets | $142,246,750 | 3,614 |
| Average earning assets | $132,152,750 | 3,599 |
| Average equity | $17,332,750 | 3,489 |
| Average total loans | $116,615,750 | 3,126 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1170% | 449 |
| Cost of funding earning assets | 0.6193% | 1,339 |
| Net interest margin | 4.4977% | 567 |
| Noninterest income to average assets | 0.4737% | 3,189 |
| Noninterest expense to average assets | 2.7697% | 2,862 |
| Loan and lease loss provision to assets | 0.1138% | 1,802 |
| Net operating income to assets | 1.1807% | 1,662 |
| Return on assets (ROA) | 1.1807% | 1,695 |
| Pretax return on assets | 1.7639% | 913 |
| Return on Equity (ROE) | 9.6808% | 2,180 |
| Retained earnings to average equity (ytd only) | 1.2830% | 4,737 |
| Net charge-offs to loans | -0.0279% | 4,922 |
| Credit loss provision to net charge-offs | -500.0000% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5960% | 4,377 |
| Assets per employee ($millions) | 3.3743% | 4,897 |
| Cash dividends to net income (ytd only)* | 86.7470% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 1,718 |
| Loan loss allowance to noncurrent loans | 205.8962% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 1.1055% | 1,574 |
| Noncurrent loans to loans | 0.7101% | 2,624 |
| Net loans and leases to total assets | 81.1029% | 800 |
| Net loans and leases to deposits | 96.4510% | 1,035 |
| Net loans and leases to core deposits | 103.7643% | 1,370 |
| Total domestic deposits to total assets | 84.0871% | 3,159 |
| Equity capital to assets | 12.0017% | 1,925 |
| Core capital (leverage) ratio | 12.4318% | 1,398 |
| Tier 1 risk-based capital ratio | 15.7264% | 2,610 |
| Total risk-based capital ratio | 16.9809% | 2,546 |
| Memoranda: | ||
| Average total assets | $140,594,330 | 3,654 |
| Average earning assets | $130,466,000 | 3,640 |
| Average equity | $17,147,330 | 3,515 |
| Average total loans | $114,784,000 | 3,159 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1983% | 381 |
| Cost of funding earning assets | 0.6108% | 1,295 |
| Net interest margin | 4.5875% | 448 |
| Noninterest income to average assets | 0.4250% | 3,480 |
| Noninterest expense to average assets | 2.7612% | 2,918 |
| Loan and lease loss provision to assets | 0.1157% | 1,658 |
| Net operating income to assets | 1.1883% | 1,529 |
| Return on assets (ROA) | 1.1883% | 1,573 |
| Pretax return on assets | 1.8042% | 791 |
| Return on Equity (ROE) | 9.6626% | 2,118 |
| Retained earnings to average equity (ytd only) | -7.2646% | 5,501 |
| Net charge-offs to loans | -0.0569% | 5,242 |
| Credit loss provision to net charge-offs | -250.0000% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9870% | 4,591 |
| Assets per employee ($millions) | 3.2444% | 5,110 |
| Cash dividends to net income (ytd only)* | 175.1825% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 1,674 |
| Loan loss allowance to noncurrent loans | 218.9987% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 1.1297% | 1,568 |
| Noncurrent loans to loans | 0.6874% | 2,786 |
| Net loans and leases to total assets | 80.0042% | 827 |
| Net loans and leases to deposits | 91.5566% | 1,375 |
| Net loans and leases to core deposits | 98.2820% | 1,639 |
| Total domestic deposits to total assets | 87.3822% | 2,038 |
| Equity capital to assets | 12.1218% | 1,758 |
| Core capital (leverage) ratio | 12.2897% | 1,453 |
| Tier 1 risk-based capital ratio | 16.0393% | 2,531 |
| Total risk-based capital ratio | 17.2937% | 2,483 |
| Memoranda: | ||
| Average total assets | $138,343,500 | 3,721 |
| Average earning assets | $128,348,500 | 3,700 |
| Average equity | $17,014,000 | 3,549 |
| Average total loans | $112,464,500 | 3,209 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0320% | 561 |
| Cost of funding earning assets | 0.6443% | 1,086 |
| Net interest margin | 4.3877% | 798 |
| Noninterest income to average assets | 0.4658% | 3,444 |
| Noninterest expense to average assets | 2.9716% | 2,434 |
| Loan and lease loss provision to assets | 0.0943% | 2,477 |
| Net operating income to assets | 0.9900% | 2,394 |
| Return on assets (ROA) | 0.9954% | 2,474 |
| Pretax return on assets | 1.4836% | 1,644 |
| Return on Equity (ROE) | 8.1658% | 2,852 |
| Retained earnings to average equity (ytd only) | 4.5947% | 2,645 |
| Net charge-offs to loans | 0.0789% | 2,558 |
| Credit loss provision to net charge-offs | 149.4253% | 1,834 |
| Earnings coverage of net charge-offs (x) | 24.8736% | 1,613 |
| Efficiency ratio | 65.4313% | 3,689 |
| Assets per employee ($millions) | 3.1902% | 5,157 |
| Cash dividends to net income (ytd only)* | 43.7318% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4784% | 1,761 |
| Loan loss allowance to noncurrent loans | 127.4131% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 1.5250% | 1,079 |
| Noncurrent loans to loans | 1.1603% | 1,767 |
| Net loans and leases to total assets | 80.1586% | 876 |
| Net loans and leases to deposits | 92.0838% | 1,444 |
| Net loans and leases to core deposits | 98.9882% | 1,711 |
| Total domestic deposits to total assets | 87.0497% | 2,119 |
| Equity capital to assets | 12.4779% | 1,539 |
| Core capital (leverage) ratio | 12.6226% | 1,291 |
| Tier 1 risk-based capital ratio | 16.6116% | 2,303 |
| Total risk-based capital ratio | 17.8655% | 2,245 |
| Memoranda: | ||
| Average total assets | $137,838,000 | 3,707 |
| Average earning assets | $128,039,600 | 3,686 |
| Average equity | $16,801,800 | 3,576 |
| Average total loans | $110,202,000 | 3,213 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9774% | 628 |
| Cost of funding earning assets | 0.6497% | 1,057 |
| Net interest margin | 4.3277% | 881 |
| Noninterest income to average assets | 0.4695% | 3,430 |
| Noninterest expense to average assets | 2.8743% | 2,724 |
| Loan and lease loss provision to assets | 0.1063% | 2,156 |
| Net operating income to assets | 1.0141% | 2,368 |
| Return on assets (ROA) | 1.0212% | 2,460 |
| Pretax return on assets | 1.5217% | 1,646 |
| Return on Equity (ROE) | 8.4273% | 2,794 |
| Retained earnings to average equity (ytd only) | 3.6436% | 3,709 |
| Net charge-offs to loans | 0.0595% | 2,499 |
| Credit loss provision to net charge-offs | 224.4898% | 1,314 |
| Earnings coverage of net charge-offs (x) | 34.1641% | 1,366 |
| Efficiency ratio | 63.9923% | 3,935 |
| Assets per employee ($millions) | 3.1845% | 5,202 |
| Cash dividends to net income (ytd only)* | 56.7644% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 1,774 |
| Loan loss allowance to noncurrent loans | 37.1989% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 3.3549% | 307 |
| Noncurrent loans to loans | 4.0251% | 268 |
| Net loans and leases to total assets | 80.1350% | 871 |
| Net loans and leases to deposits | 92.7182% | 1,410 |
| Net loans and leases to core deposits | 99.3697% | 1,697 |
| Total domestic deposits to total assets | 86.4285% | 2,153 |
| Equity capital to assets | 12.5257% | 1,761 |
| Core capital (leverage) ratio | 12.3416% | 1,466 |
| Tier 1 risk-based capital ratio | 16.2564% | 2,524 |
| Total risk-based capital ratio | 17.5110% | 2,472 |
| Memoranda: | ||
| Average total assets | $138,003,000 | 3,727 |
| Average earning assets | $128,255,500 | 3,698 |
| Average equity | $16,723,000 | 3,620 |
| Average total loans | $109,850,000 | 3,225 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9538% | 641 |
| Cost of funding earning assets | 0.6583% | 1,006 |
| Net interest margin | 4.2955% | 933 |
| Noninterest income to average assets | 0.4481% | 3,539 |
| Noninterest expense to average assets | 2.8636% | 2,794 |
| Loan and lease loss provision to assets | 0.1301% | 1,758 |
| Net operating income to assets | 0.9694% | 2,527 |
| Return on assets (ROA) | 0.9801% | 2,617 |
| Pretax return on assets | 1.4600% | 1,807 |
| Return on Equity (ROE) | 8.1785% | 2,893 |
| Retained earnings to average equity (ytd only) | 0.9409% | 5,018 |
| Net charge-offs to loans | 0.0713% | 2,166 |
| Credit loss provision to net charge-offs | 230.7692% | 1,176 |
| Earnings coverage of net charge-offs (x) | 27.9231% | 1,447 |
| Efficiency ratio | 64.5277% | 3,929 |
| Assets per employee ($millions) | 3.4093% | 4,907 |
| Cash dividends to net income (ytd only)* | 88.4956% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 1,806 |
| Loan loss allowance to noncurrent loans | 38.9111% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 3.1964% | 371 |
| Noncurrent loans to loans | 3.8916% | 313 |
| Net loans and leases to total assets | 77.1451% | 1,308 |
| Net loans and leases to deposits | 88.0983% | 1,983 |
| Net loans and leases to core deposits | 93.6011% | 2,203 |
| Total domestic deposits to total assets | 87.5671% | 1,642 |
| Equity capital to assets | 12.0066% | 2,117 |
| Core capital (leverage) ratio | 11.9382% | 1,673 |
| Tier 1 risk-based capital ratio | 16.1706% | 2,564 |
| Total risk-based capital ratio | 17.4247% | 2,510 |
| Memoranda: | ||
| Average total assets | $138,359,330 | 3,744 |
| Average earning assets | $128,508,000 | 3,717 |
| Average equity | $16,580,000 | 3,650 |
| Average total loans | $109,333,330 | 3,241 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9870% | 597 |
| Cost of funding earning assets | 0.6660% | 965 |
| Net interest margin | 4.3210% | 894 |
| Noninterest income to average assets | 0.4359% | 3,569 |
| Noninterest expense to average assets | 2.8711% | 2,804 |
| Loan and lease loss provision to assets | 0.0872% | 2,229 |
| Net operating income to assets | 1.0015% | 2,270 |
| Return on assets (ROA) | 1.0229% | 2,303 |
| Pretax return on assets | 1.5256% | 1,515 |
| Return on Equity (ROE) | 8.5445% | 2,641 |
| Retained earnings to average equity (ytd only) | -6.0200% | 5,664 |
| Net charge-offs to loans | 0.0513% | 2,016 |
| Credit loss provision to net charge-offs | 214.2857% | 1,030 |
| Earnings coverage of net charge-offs (x) | 38.8571% | 1,022 |
| Efficiency ratio | 64.4909% | 4,044 |
| Assets per employee ($millions) | 3.1626% | 5,329 |
| Cash dividends to net income (ytd only)* | 170.4545% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 2,065 |
| Loan loss allowance to noncurrent loans | 42.8232% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 2.8494% | 465 |
| Noncurrent loans to loans | 3.4579% | 395 |
| Net loans and leases to total assets | 77.5982% | 1,153 |
| Net loans and leases to deposits | 88.3042% | 1,797 |
| Net loans and leases to core deposits | 94.2243% | 1,967 |
| Total domestic deposits to total assets | 87.8760% | 1,707 |
| Equity capital to assets | 11.7812% | 2,175 |
| Core capital (leverage) ratio | 11.9376% | 1,648 |
| Tier 1 risk-based capital ratio | 15.8278% | 2,771 |
| Total risk-based capital ratio | 17.0817% | 2,696 |
| Memoranda: | ||
| Average total assets | $137,648,000 | 3,787 |
| Average earning assets | $127,933,500 | 3,753 |
| Average equity | $16,478,500 | 3,663 |
| Average total loans | $109,253,500 | 3,252 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1347% | 483 |
| Cost of funding earning assets | 0.6759% | 934 |
| Net interest margin | 4.4588% | 705 |
| Noninterest income to average assets | 0.4923% | 3,379 |
| Noninterest expense to average assets | 3.0235% | 2,468 |
| Loan and lease loss provision to assets | 0.1648% | 1,394 |
| Net operating income to assets | 0.9599% | 2,575 |
| Return on assets (ROA) | 0.9599% | 2,650 |
| Pretax return on assets | 1.4364% | 1,764 |
| Return on Equity (ROE) | 7.9676% | 2,978 |
| Retained earnings to average equity (ytd only) | 4.9821% | 2,432 |
| Net charge-offs to loans | 0.5570% | 443 |
| Credit loss provision to net charge-offs | 37.4787% | 3,561 |
| Earnings coverage of net charge-offs (x) | 3.6405% | 3,686 |
| Efficiency ratio | 65.3759% | 4,011 |
| Assets per employee ($millions) | 3.0941% | 5,421 |
| Cash dividends to net income (ytd only)* | 37.4707% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 2,119 |
| Loan loss allowance to noncurrent loans | 33.9962% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 3.6007% | 321 |
| Noncurrent loans to loans | 4.3406% | 253 |
| Net loans and leases to total assets | 78.8118% | 1,019 |
| Net loans and leases to deposits | 90.3142% | 1,579 |
| Net loans and leases to core deposits | 95.8848% | 1,862 |
| Total domestic deposits to total assets | 87.2640% | 2,006 |
| Equity capital to assets | 12.1660% | 1,836 |
| Core capital (leverage) ratio | 12.4161% | 1,395 |
| Tier 1 risk-based capital ratio | 16.2147% | 2,599 |
| Total risk-based capital ratio | 17.4683% | 2,557 |
| Memoranda: | ||
| Average total assets | $133,456,800 | 3,821 |
| Average earning assets | $123,688,200 | 3,803 |
| Average equity | $16,077,600 | 3,668 |
| Average total loans | $105,384,600 | 3,296 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1612% | 464 |
| Cost of funding earning assets | 0.6835% | 915 |
| Net interest margin | 4.4777% | 685 |
| Noninterest income to average assets | 0.5201% | 3,224 |
| Noninterest expense to average assets | 2.9360% | 2,723 |
| Loan and lease loss provision to assets | 0.1807% | 1,151 |
| Net operating income to assets | 1.0332% | 2,312 |
| Return on assets (ROA) | 1.0332% | 2,403 |
| Pretax return on assets | 1.5473% | 1,545 |
| Return on Equity (ROE) | 8.5983% | 2,780 |
| Retained earnings to average equity (ytd only) | 4.5874% | 3,208 |
| Net charge-offs to loans | 0.0931% | 2,233 |
| Credit loss provision to net charge-offs | 246.5753% | 1,150 |
| Earnings coverage of net charge-offs (x) | 23.5756% | 1,727 |
| Efficiency ratio | 62.9494% | 4,411 |
| Assets per employee ($millions) | 2.9967% | 5,547 |
| Cash dividends to net income (ytd only)* | 46.6468% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9570% | 982 |
| Loan loss allowance to noncurrent loans | 53.1410% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 3.1421% | 461 |
| Noncurrent loans to loans | 3.6826% | 399 |
| Net loans and leases to total assets | 79.0687% | 946 |
| Net loans and leases to deposits | 90.9548% | 1,534 |
| Net loans and leases to core deposits | 95.6969% | 1,914 |
| Total domestic deposits to total assets | 86.9319% | 2,080 |
| Equity capital to assets | 12.4265% | 1,786 |
| Core capital (leverage) ratio | 12.2969% | 1,514 |
| Tier 1 risk-based capital ratio | 16.4527% | 2,602 |
| Total risk-based capital ratio | 17.7131% | 2,556 |
| Memoranda: | ||
| Average total assets | $132,785,500 | 3,881 |
| Average earning assets | $122,888,000 | 3,863 |
| Average equity | $15,956,250 | 3,717 |
| Average total loans | $104,505,000 | 3,334 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1342% | 470 |
| Cost of funding earning assets | 0.6868% | 902 |
| Net interest margin | 4.4474% | 697 |
| Noninterest income to average assets | 0.5004% | 3,376 |
| Noninterest expense to average assets | 2.9302% | 2,786 |
| Loan and lease loss provision to assets | 0.1803% | 1,132 |
| Net operating income to assets | 1.0083% | 2,347 |
| Return on assets (ROA) | 1.0083% | 2,455 |
| Pretax return on assets | 1.5057% | 1,636 |
| Return on Equity (ROE) | 8.4865% | 2,801 |
| Retained earnings to average equity (ytd only) | 2.4157% | 4,516 |
| Net charge-offs to loans | 0.1290% | 1,727 |
| Credit loss provision to net charge-offs | 179.1045% | 1,350 |
| Earnings coverage of net charge-offs (x) | 16.7463% | 1,891 |
| Efficiency ratio | 63.4766% | 4,430 |
| Assets per employee ($millions) | 2.9623% | 5,638 |
| Cash dividends to net income (ytd only)* | 71.5350% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9439% | 1,081 |
| Loan loss allowance to noncurrent loans | 51.4598% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 3.1252% | 513 |
| Noncurrent loans to loans | 3.7776% | 440 |
| Net loans and leases to total assets | 76.7014% | 1,273 |
| Net loans and leases to deposits | 87.6828% | 1,875 |
| Net loans and leases to core deposits | 92.1691% | 2,139 |
| Total domestic deposits to total assets | 87.4760% | 1,921 |
| Equity capital to assets | 11.9801% | 2,044 |
| Core capital (leverage) ratio | 12.0379% | 1,640 |
| Tier 1 risk-based capital ratio | 16.1715% | 2,774 |
| Total risk-based capital ratio | 17.4310% | 2,717 |
| Memoranda: | ||
| Average total assets | $133,095,670 | 3,907 |
| Average earning assets | $123,173,670 | 3,893 |
| Average equity | $15,813,330 | 3,752 |
| Average total loans | $103,894,330 | 3,359 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0992% | 483 |
| Cost of funding earning assets | 0.6877% | 909 |
| Net interest margin | 4.4115% | 714 |
| Noninterest income to average assets | 0.4963% | 3,310 |
| Noninterest expense to average assets | 2.9686% | 2,675 |
| Loan and lease loss provision to assets | 0.1805% | 1,066 |
| Net operating income to assets | 0.9625% | 2,433 |
| Return on assets (ROA) | 0.9625% | 2,569 |
| Pretax return on assets | 1.4377% | 1,750 |
| Return on Equity (ROE) | 8.1347% | 2,894 |
| Retained earnings to average equity (ytd only) | -4.0674% | 5,865 |
| Net charge-offs to loans | 0.0077% | 3,069 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 269.0000% | 216 |
| Efficiency ratio | 64.7213% | 4,360 |
| Assets per employee ($millions) | 3.1147% | 5,529 |
| Cash dividends to net income (ytd only)* | 150.0000% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9677% | 1,144 |
| Loan loss allowance to noncurrent loans | 48.3925% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 3.3091% | 525 |
| Noncurrent loans to loans | 4.0661% | 424 |
| Net loans and leases to total assets | 75.5865% | 1,269 |
| Net loans and leases to deposits | 86.0784% | 1,819 |
| Net loans and leases to core deposits | 90.6824% | 2,065 |
| Total domestic deposits to total assets | 87.8112% | 1,923 |
| Equity capital to assets | 11.7289% | 2,260 |
| Core capital (leverage) ratio | 11.7762% | 1,794 |
| Tier 1 risk-based capital ratio | 15.8102% | 3,009 |
| Total risk-based capital ratio | 17.0602% | 2,946 |
| Memoranda: | ||
| Average total assets | $132,991,500 | 3,937 |
| Average earning assets | $123,314,000 | 3,919 |
| Average equity | $15,735,000 | 3,792 |
| Average total loans | $103,705,000 | 3,382 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2049% | 519 |
| Cost of funding earning assets | 0.7568% | 813 |
| Net interest margin | 4.4481% | 818 |
| Noninterest income to average assets | 0.4985% | 3,526 |
| Noninterest expense to average assets | 3.1512% | 2,357 |
| Loan and lease loss provision to assets | 0.1802% | 1,425 |
| Net operating income to assets | 0.8514% | 3,111 |
| Return on assets (ROA) | 0.8514% | 3,206 |
| Pretax return on assets | 1.2711% | 2,344 |
| Return on Equity (ROE) | 7.4587% | 3,392 |
| Retained earnings to average equity (ytd only) | 5.0908% | 2,531 |
| Net charge-offs to loans | 0.2297% | 1,828 |
| Credit loss provision to net charge-offs | 99.5851% | 2,443 |
| Earnings coverage of net charge-offs (x) | 8.0207% | 2,936 |
| Efficiency ratio | 68.4666% | 3,811 |
| Assets per employee ($millions) | 2.9344% | 5,781 |
| Cash dividends to net income (ytd only)* | 31.7460% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8955% | 1,327 |
| Loan loss allowance to noncurrent loans | 45.4944% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 3.7236% | 480 |
| Noncurrent loans to loans | 4.1664% | 425 |
| Net loans and leases to total assets | 77.3713% | 1,090 |
| Net loans and leases to deposits | 88.4801% | 1,673 |
| Net loans and leases to core deposits | 92.7779% | 2,015 |
| Total domestic deposits to total assets | 87.4448% | 2,061 |
| Equity capital to assets | 11.9357% | 2,056 |
| Core capital (leverage) ratio | 12.0265% | 1,600 |
| Tier 1 risk-based capital ratio | 15.9589% | 2,981 |
| Total risk-based capital ratio | 17.2179% | 2,923 |
| Memoranda: | ||
| Average total assets | $133,189,200 | 3,919 |
| Average earning assets | $122,884,000 | 3,903 |
| Average equity | $15,203,800 | 3,798 |
| Average total loans | $104,898,800 | 3,328 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1940% | 531 |
| Cost of funding earning assets | 0.7683% | 805 |
| Net interest margin | 4.4257% | 856 |
| Noninterest income to average assets | 0.5055% | 3,512 |
| Noninterest expense to average assets | 3.0747% | 2,545 |
| Loan and lease loss provision to assets | 0.1798% | 1,364 |
| Net operating income to assets | 0.8960% | 2,928 |
| Return on assets (ROA) | 0.8960% | 3,025 |
| Pretax return on assets | 1.3366% | 2,248 |
| Return on Equity (ROE) | 7.9390% | 3,242 |
| Retained earnings to average equity (ytd only) | 4.7528% | 3,240 |
| Net charge-offs to loans | 0.2474% | 1,559 |
| Credit loss provision to net charge-offs | 92.3077% | 2,395 |
| Earnings coverage of net charge-offs (x) | 7.7847% | 2,897 |
| Efficiency ratio | 66.9713% | 4,050 |
| Assets per employee ($millions) | 2.9843% | 5,741 |
| Cash dividends to net income (ytd only)* | 40.1339% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8874% | 1,477 |
| Loan loss allowance to noncurrent loans | 47.6075% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 3.7004% | 559 |
| Noncurrent loans to loans | 3.9644% | 540 |
| Net loans and leases to total assets | 77.5929% | 1,006 |
| Net loans and leases to deposits | 88.5952% | 1,599 |
| Net loans and leases to core deposits | 92.9228% | 1,962 |
| Total domestic deposits to total assets | 87.5814% | 1,989 |
| Equity capital to assets | 11.7865% | 2,231 |
| Core capital (leverage) ratio | 11.7915% | 1,842 |
| Tier 1 risk-based capital ratio | 15.7611% | 3,178 |
| Total risk-based capital ratio | 17.0195% | 3,116 |
| Memoranda: | ||
| Average total assets | $133,474,250 | 3,949 |
| Average earning assets | $123,215,500 | 3,924 |
| Average equity | $15,064,500 | 3,845 |
| Average total loans | $105,088,000 | 3,353 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1614% | 537 |
| Cost of funding earning assets | 0.7892% | 760 |
| Net interest margin | 4.3722% | 896 |
| Noninterest income to average assets | 0.5306% | 3,261 |
| Noninterest expense to average assets | 3.0672% | 2,606 |
| Loan and lease loss provision to assets | 0.1788% | 1,371 |
| Net operating income to assets | 0.8868% | 2,880 |
| Return on assets (ROA) | 0.8868% | 2,971 |
| Pretax return on assets | 1.3220% | 2,181 |
| Return on Equity (ROE) | 7.9721% | 3,109 |
| Retained earnings to average equity (ytd only) | 3.1487% | 4,203 |
| Net charge-offs to loans | 0.2673% | 1,480 |
| Credit loss provision to net charge-offs | 85.1064% | 2,260 |
| Earnings coverage of net charge-offs (x) | 7.1418% | 2,677 |
| Efficiency ratio | 67.1452% | 4,171 |
| Assets per employee ($millions) | 2.9806% | 5,777 |
| Cash dividends to net income (ytd only)* | 60.5042% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8691% | 1,656 |
| Loan loss allowance to noncurrent loans | 43.7626% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 3.7173% | 607 |
| Noncurrent loans to loans | 4.2710% | 529 |
| Net loans and leases to total assets | 76.4851% | 1,104 |
| Net loans and leases to deposits | 86.9427% | 1,718 |
| Net loans and leases to core deposits | 91.0695% | 2,024 |
| Total domestic deposits to total assets | 87.9719% | 1,913 |
| Equity capital to assets | 11.3384% | 2,569 |
| Core capital (leverage) ratio | 11.4675% | 2,033 |
| Tier 1 risk-based capital ratio | 15.3388% | 3,448 |
| Total risk-based capital ratio | 16.5978% | 3,395 |
| Memoranda: | ||
| Average total assets | $134,195,330 | 3,955 |
| Average earning assets | $123,919,670 | 3,933 |
| Average equity | $14,927,000 | 3,869 |
| Average total loans | $105,501,330 | 3,347 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1422% | 547 |
| Cost of funding earning assets | 0.8479% | 589 |
| Net interest margin | 4.2943% | 1,008 |
| Noninterest income to average assets | 0.5036% | 3,382 |
| Noninterest expense to average assets | 2.9919% | 2,885 |
| Loan and lease loss provision to assets | 0.1788% | 1,347 |
| Net operating income to assets | 0.8731% | 2,775 |
| Return on assets (ROA) | 0.8731% | 2,847 |
| Pretax return on assets | 1.3023% | 2,082 |
| Return on Equity (ROE) | 7.9261% | 2,964 |
| Retained earnings to average equity (ytd only) | -1.8125% | 5,838 |
| Net charge-offs to loans | -0.0189% | 5,327 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8887% | 4,377 |
| Assets per employee ($millions) | 3.1346% | 5,625 |
| Cash dividends to net income (ytd only)* | 122.8669% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9596% | 1,602 |
| Loan loss allowance to noncurrent loans | 42.9836% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 3.8497% | 641 |
| Noncurrent loans to loans | 4.5589% | 518 |
| Net loans and leases to total assets | 75.7213% | 1,037 |
| Net loans and leases to deposits | 85.5495% | 1,653 |
| Net loans and leases to core deposits | 90.2383% | 1,891 |
| Total domestic deposits to total assets | 88.5117% | 1,929 |
| Equity capital to assets | 10.9920% | 2,718 |
| Core capital (leverage) ratio | 11.0404% | 2,348 |
| Tier 1 risk-based capital ratio | 15.0474% | 3,693 |
| Total risk-based capital ratio | 16.3076% | 3,631 |
| Memoranda: | ||
| Average total assets | $134,229,000 | 3,990 |
| Average earning assets | $124,071,000 | 3,963 |
| Average equity | $14,786,500 | 3,900 |
| Average total loans | $105,981,000 | 3,345 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2619% | 567 |
| Cost of funding earning assets | 0.9972% | 447 |
| Net interest margin | 4.2647% | 1,186 |
| Noninterest income to average assets | 0.4409% | 4,150 |
| Noninterest expense to average assets | 2.9752% | 3,120 |
| Loan and lease loss provision to assets | 0.1737% | 2,128 |
| Net operating income to assets | 0.8187% | 3,195 |
| Return on assets (ROA) | 0.8187% | 3,291 |
| Pretax return on assets | 1.2299% | 2,457 |
| Return on Equity (ROE) | 7.7869% | 3,150 |
| Retained earnings to average equity (ytd only) | 5.9762% | 1,988 |
| Net charge-offs to loans | 0.3023% | 2,174 |
| Credit loss provision to net charge-offs | 73.8462% | 3,205 |
| Earnings coverage of net charge-offs (x) | 5.9662% | 3,163 |
| Efficiency ratio | 67.9451% | 4,211 |
| Assets per employee ($millions) | 2.9704% | 5,873 |
| Cash dividends to net income (ytd only)* | 23.2538% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8311% | 1,968 |
| Loan loss allowance to noncurrent loans | 42.9721% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 3.9560% | 680 |
| Noncurrent loans to loans | 4.2612% | 652 |
| Net loans and leases to total assets | 79.2128% | 679 |
| Net loans and leases to deposits | 93.8263% | 892 |
| Net loans and leases to core deposits | 98.2664% | 1,287 |
| Total domestic deposits to total assets | 84.4250% | 4,002 |
| Equity capital to assets | 11.0400% | 2,579 |
| Core capital (leverage) ratio | 11.1155% | 2,277 |
| Tier 1 risk-based capital ratio | 14.6768% | 3,850 |
| Total risk-based capital ratio | 15.9347% | 3,790 |
| Memoranda: | ||
| Average total assets | $138,140,200 | 3,916 |
| Average earning assets | $127,558,800 | 3,893 |
| Average equity | $14,524,400 | 3,961 |
| Average total loans | $107,497,600 | 3,292 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2347% | 601 |
| Cost of funding earning assets | 1.0299% | 427 |
| Net interest margin | 4.2048% | 1,315 |
| Noninterest income to average assets | 0.4739% | 3,979 |
| Noninterest expense to average assets | 2.8618% | 3,434 |
| Loan and lease loss provision to assets | 0.1723% | 2,109 |
| Net operating income to assets | 0.8780% | 2,943 |
| Return on assets (ROA) | 0.8780% | 3,062 |
| Pretax return on assets | 1.3213% | 2,254 |
| Return on Equity (ROE) | 8.4517% | 2,901 |
| Retained earnings to average equity (ytd only) | 6.0277% | 2,390 |
| Net charge-offs to loans | 0.1626% | 2,935 |
| Credit loss provision to net charge-offs | 137.4046% | 1,705 |
| Earnings coverage of net charge-offs (x) | 11.9086% | 2,189 |
| Efficiency ratio | 65.7067% | 4,542 |
| Assets per employee ($millions) | 3.0217% | 5,809 |
| Cash dividends to net income (ytd only)* | 28.6806% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9656% | 1,811 |
| Loan loss allowance to noncurrent loans | 45.0064% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 4.0212% | 771 |
| Noncurrent loans to loans | 4.3674% | 763 |
| Net loans and leases to total assets | 77.3559% | 828 |
| Net loans and leases to deposits | 91.1681% | 1,047 |
| Net loans and leases to core deposits | 95.3818% | 1,442 |
| Total domestic deposits to total assets | 84.8498% | 3,815 |
| Equity capital to assets | 10.8157% | 2,940 |
| Core capital (leverage) ratio | 10.7495% | 2,724 |
| Tier 1 risk-based capital ratio | 14.2694% | 4,236 |
| Total risk-based capital ratio | 15.5294% | 4,174 |
| Memoranda: | ||
| Average total assets | $139,258,000 | 3,929 |
| Average earning assets | $128,549,000 | 3,914 |
| Average equity | $14,466,250 | 4,021 |
| Average total loans | $107,407,500 | 3,320 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1492% | 697 |
| Cost of funding earning assets | 1.0672% | 393 |
| Net interest margin | 4.0821% | 1,591 |
| Noninterest income to average assets | 0.5016% | 3,821 |
| Noninterest expense to average assets | 2.8186% | 3,612 |
| Loan and lease loss provision to assets | 0.1710% | 2,198 |
| Net operating income to assets | 0.8536% | 3,029 |
| Return on assets (ROA) | 0.8536% | 3,172 |
| Pretax return on assets | 1.2839% | 2,357 |
| Return on Equity (ROE) | 8.3275% | 2,932 |
| Retained earnings to average equity (ytd only) | 4.6712% | 3,283 |
| Net charge-offs to loans | 0.2029% | 2,540 |
| Credit loss provision to net charge-offs | 110.0917% | 2,009 |
| Earnings coverage of net charge-offs (x) | 9.3670% | 2,296 |
| Efficiency ratio | 65.9553% | 4,551 |
| Assets per employee ($millions) | 3.0650% | 5,737 |
| Cash dividends to net income (ytd only)* | 43.9065% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9311% | 2,016 |
| Loan loss allowance to noncurrent loans | 38.8046% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 4.1676% | 813 |
| Noncurrent loans to loans | 4.9765% | 656 |
| Net loans and leases to total assets | 74.5957% | 1,160 |
| Net loans and leases to deposits | 87.0480% | 1,458 |
| Net loans and leases to core deposits | 91.0424% | 1,805 |
| Total domestic deposits to total assets | 85.6949% | 3,534 |
| Equity capital to assets | 10.1850% | 3,678 |
| Core capital (leverage) ratio | 10.3547% | 3,038 |
| Tier 1 risk-based capital ratio | 14.0443% | 4,388 |
| Total risk-based capital ratio | 15.3039% | 4,343 |
| Memoranda: | ||
| Average total assets | $140,351,330 | 3,940 |
| Average earning assets | $129,689,000 | 3,909 |
| Average equity | $14,386,000 | 4,072 |
| Average total loans | $107,444,670 | 3,330 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2362% | 569 |
| Cost of funding earning assets | 1.1103% | 357 |
| Net interest margin | 4.1259% | 1,389 |
| Noninterest income to average assets | 0.4370% | 4,205 |
| Noninterest expense to average assets | 2.8051% | 3,680 |
| Loan and lease loss provision to assets | 0.1714% | 2,149 |
| Net operating income to assets | 0.8570% | 2,874 |
| Return on assets (ROA) | 0.8570% | 3,003 |
| Pretax return on assets | 1.2711% | 2,334 |
| Return on Equity (ROE) | 8.3339% | 2,798 |
| Retained earnings to average equity (ytd only) | 1.0278% | 5,440 |
| Net charge-offs to loans | 0.1860% | 2,292 |
| Credit loss provision to net charge-offs | 120.0000% | 1,595 |
| Earnings coverage of net charge-offs (x) | 10.1000% | 1,775 |
| Efficiency ratio | 66.0390% | 4,653 |
| Assets per employee ($millions) | 3.1011% | 5,823 |
| Cash dividends to net income (ytd only)* | 87.6667% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9435% | 2,190 |
| Loan loss allowance to noncurrent loans | 55.8252% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 3.1559% | 1,387 |
| Noncurrent loans to loans | 3.4814% | 1,382 |
| Net loans and leases to total assets | 74.8416% | 980 |
| Net loans and leases to deposits | 87.4297% | 1,200 |
| Net loans and leases to core deposits | 92.0833% | 1,496 |
| Total domestic deposits to total assets | 85.6021% | 3,739 |
| Equity capital to assets | 10.3233% | 3,766 |
| Core capital (leverage) ratio | 10.1733% | 3,179 |
| Tier 1 risk-based capital ratio | 13.7566% | 4,692 |
| Total risk-based capital ratio | 15.0154% | 4,648 |
| Memoranda: | ||
| Average total assets | $140,031,000 | 3,984 |
| Average earning assets | $129,330,000 | 3,956 |
| Average equity | $14,399,000 | 4,116 |
| Average total loans | $107,544,500 | 3,346 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5553% | 561 |
| Cost of funding earning assets | 1.3683% | 282 |
| Net interest margin | 4.1870% | 1,692 |
| Noninterest income to average assets | 0.4907% | 3,960 |
| Noninterest expense to average assets | 2.9415% | 3,497 |
| Loan and lease loss provision to assets | 0.6412% | 836 |
| Net operating income to assets | 0.5350% | 4,545 |
| Return on assets (ROA) | 0.5350% | 4,809 |
| Pretax return on assets | 0.7668% | 4,423 |
| Return on Equity (ROE) | 5.3066% | 4,528 |
| Retained earnings to average equity (ytd only) | 3.6085% | 3,669 |
| Net charge-offs to loans | 1.1701% | 874 |
| Credit loss provision to net charge-offs | 69.3673% | 4,189 |
| Earnings coverage of net charge-offs (x) | 1.5231% | 4,681 |
| Efficiency ratio | 67.6287% | 4,213 |
| Assets per employee ($millions) | 3.0547% | 5,930 |
| Cash dividends to net income (ytd only)* | 32.0000% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8972% | 2,301 |
| Loan loss allowance to noncurrent loans | 55.9327% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 3.2353% | 1,432 |
| Noncurrent loans to loans | 3.3920% | 1,489 |
| Net loans and leases to total assets | 75.8067% | 944 |
| Net loans and leases to deposits | 88.6130% | 1,204 |
| Net loans and leases to core deposits | 93.5066% | 1,509 |
| Total domestic deposits to total assets | 85.5481% | 3,585 |
| Equity capital to assets | 10.2424% | 3,835 |
| Core capital (leverage) ratio | 10.1038% | 3,272 |
| Tier 1 risk-based capital ratio | 13.5725% | 4,698 |
| Total risk-based capital ratio | 14.8312% | 4,636 |
| Memoranda: | ||
| Average total assets | $140,198,200 | 3,950 |
| Average earning assets | $129,211,000 | 3,919 |
| Average equity | $14,133,400 | 4,128 |
| Average total loans | $110,757,400 | 3,284 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5732% | 582 |
| Cost of funding earning assets | 1.4225% | 277 |
| Net interest margin | 4.1507% | 1,898 |
| Noninterest income to average assets | 0.5405% | 3,669 |
| Noninterest expense to average assets | 2.9022% | 3,587 |
| Loan and lease loss provision to assets | 0.2788% | 2,338 |
| Net operating income to assets | 0.8022% | 3,442 |
| Return on assets (ROA) | 0.8022% | 3,686 |
| Pretax return on assets | 1.1856% | 3,038 |
| Return on Equity (ROE) | 7.9891% | 3,289 |
| Retained earnings to average equity (ytd only) | 5.7147% | 2,888 |
| Net charge-offs to loans | 0.4828% | 2,166 |
| Credit loss provision to net charge-offs | 72.7047% | 3,831 |
| Earnings coverage of net charge-offs (x) | 3.8189% | 3,502 |
| Efficiency ratio | 66.4633% | 4,364 |
| Assets per employee ($millions) | 3.0361% | 5,993 |
| Cash dividends to net income (ytd only)* | 28.4696% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0903% | 1,929 |
| Loan loss allowance to noncurrent loans | 50.7021% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 3.8729% | 1,263 |
| Noncurrent loans to loans | 4.1227% | 1,218 |
| Net loans and leases to total assets | 78.7136% | 649 |
| Net loans and leases to deposits | 92.2133% | 954 |
| Net loans and leases to core deposits | 97.5535% | 1,298 |
| Total domestic deposits to total assets | 85.3604% | 3,585 |
| Equity capital to assets | 10.3808% | 3,972 |
| Core capital (leverage) ratio | 10.0475% | 3,477 |
| Tier 1 risk-based capital ratio | 13.4641% | 4,901 |
| Total risk-based capital ratio | 14.7263% | 4,852 |
| Memoranda: | ||
| Average total assets | $140,119,250 | 3,983 |
| Average earning assets | $129,163,000 | 3,958 |
| Average equity | $14,068,750 | 4,182 |
| Average total loans | $111,302,000 | 3,296 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5733% | 609 |
| Cost of funding earning assets | 1.4673% | 268 |
| Net interest margin | 4.1060% | 2,068 |
| Noninterest income to average assets | 0.5390% | 3,658 |
| Noninterest expense to average assets | 2.9443% | 3,460 |
| Loan and lease loss provision to assets | 0.1711% | 3,394 |
| Net operating income to assets | 0.8170% | 3,315 |
| Return on assets (ROA) | 0.8170% | 3,577 |
| Pretax return on assets | 1.2020% | 2,916 |
| Return on Equity (ROE) | 8.2294% | 3,156 |
| Retained earnings to average equity (ytd only) | 4.7825% | 3,425 |
| Net charge-offs to loans | 0.1694% | 3,586 |
| Credit loss provision to net charge-offs | 127.6596% | 2,156 |
| Earnings coverage of net charge-offs (x) | 10.2447% | 2,078 |
| Efficiency ratio | 68.1968% | 4,082 |
| Assets per employee ($millions) | 3.1037% | 5,843 |
| Cash dividends to net income (ytd only)* | 41.8848% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2342% | 1,700 |
| Loan loss allowance to noncurrent loans | 50.7875% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 3.9630% | 1,300 |
| Noncurrent loans to loans | 4.3992% | 1,213 |
| Net loans and leases to total assets | 76.1034% | 955 |
| Net loans and leases to deposits | 90.7634% | 1,073 |
| Net loans and leases to core deposits | 95.8545% | 1,437 |
| Total domestic deposits to total assets | 83.8480% | 4,379 |
| Equity capital to assets | 9.9328% | 4,446 |
| Core capital (leverage) ratio | 9.8876% | 3,593 |
| Tier 1 risk-based capital ratio | 13.1379% | 5,087 |
| Total risk-based capital ratio | 14.4009% | 5,051 |
| Memoranda: | ||
| Average total assets | $140,271,670 | 4,003 |
| Average earning assets | $129,080,330 | 3,976 |
| Average equity | $13,925,670 | 4,209 |
| Average total loans | $110,976,000 | 3,310 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6541% | 565 |
| Cost of funding earning assets | 1.4989% | 290 |
| Net interest margin | 4.1552% | 1,919 |
| Noninterest income to average assets | 0.4978% | 3,922 |
| Noninterest expense to average assets | 2.8571% | 3,796 |
| Loan and lease loss provision to assets | 0.1726% | 3,238 |
| Net operating income to assets | 0.8948% | 2,942 |
| Return on assets (ROA) | 0.8948% | 3,160 |
| Pretax return on assets | 1.3206% | 2,467 |
| Return on Equity (ROE) | 9.0158% | 2,825 |
| Retained earnings to average equity (ytd only) | 2.0583% | 5,240 |
| Net charge-offs to loans | 0.0397% | 4,142 |
| Credit loss provision to net charge-offs | 545.4545% | 615 |
| Earnings coverage of net charge-offs (x) | 47.1818% | 663 |
| Efficiency ratio | 65.6746% | 4,616 |
| Assets per employee ($millions) | 3.2097% | 5,747 |
| Cash dividends to net income (ytd only)* | 77.1704% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2481% | 1,783 |
| Loan loss allowance to noncurrent loans | 49.3210% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 4.1133% | 1,335 |
| Noncurrent loans to loans | 4.5582% | 1,267 |
| Net loans and leases to total assets | 77.1558% | 683 |
| Net loans and leases to deposits | 91.8861% | 808 |
| Net loans and leases to core deposits | 96.6533% | 1,241 |
| Total domestic deposits to total assets | 83.9690% | 4,504 |
| Equity capital to assets | 9.7921% | 4,389 |
| Core capital (leverage) ratio | 9.8507% | 3,571 |
| Tier 1 risk-based capital ratio | 13.0857% | 5,141 |
| Total risk-based capital ratio | 14.3496% | 5,102 |
| Memoranda: | ||
| Average total assets | $139,023,000 | 4,054 |
| Average earning assets | $128,898,500 | 4,007 |
| Average equity | $13,798,000 | 4,238 |
| Average total loans | $110,896,500 | 3,327 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8469% | 577 |
| Cost of funding earning assets | 1.7264% | 293 |
| Net interest margin | 4.1205% | 2,350 |
| Noninterest income to average assets | 0.5072% | 3,796 |
| Noninterest expense to average assets | 2.9167% | 3,895 |
| Loan and lease loss provision to assets | 0.3386% | 2,986 |
| Net operating income to assets | 0.7141% | 3,422 |
| Return on assets (ROA) | 0.7141% | 3,602 |
| Pretax return on assets | 1.0630% | 2,991 |
| Return on Equity (ROE) | 7.3346% | 3,231 |
| Retained earnings to average equity (ytd only) | 7.3346% | 1,348 |
| Net charge-offs to loans | 0.2893% | 3,963 |
| Credit loss provision to net charge-offs | 146.4968% | 1,953 |
| Earnings coverage of net charge-offs (x) | 6.0637% | 2,607 |
| Efficiency ratio | 67.5418% | 4,457 |
| Assets per employee ($millions) | 3.0404% | 6,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2271% | 1,751 |
| Loan loss allowance to noncurrent loans | 48.5573% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 4.3671% | 1,269 |
| Noncurrent loans to loans | 4.5865% | 1,299 |
| Net loans and leases to total assets | 78.8379% | 628 |
| Net loans and leases to deposits | 94.2250% | 798 |
| Net loans and leases to core deposits | 99.5166% | 1,217 |
| Total domestic deposits to total assets | 83.6698% | 4,461 |
| Equity capital to assets | 10.0621% | 4,084 |
| Core capital (leverage) ratio | 9.8925% | 3,468 |
| Tier 1 risk-based capital ratio | 13.2354% | 4,885 |
| Total risk-based capital ratio | 14.4990% | 4,856 |
| Memoranda: | ||
| Average total assets | $135,840,000 | 4,058 |
| Average earning assets | $125,639,800 | 4,022 |
| Average equity | $13,225,000 | 4,298 |
| Average total loans | $108,529,400 | 3,418 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8894% | 573 |
| Cost of funding earning assets | 1.7694% | 295 |
| Net interest margin | 4.1200% | 2,392 |
| Noninterest income to average assets | 0.5261% | 3,684 |
| Noninterest expense to average assets | 2.8368% | 4,206 |
| Loan and lease loss provision to assets | 0.1770% | 4,262 |
| Net operating income to assets | 0.8879% | 2,787 |
| Return on assets (ROA) | 0.8879% | 2,944 |
| Pretax return on assets | 1.3176% | 2,233 |
| Return on Equity (ROE) | 9.1980% | 2,504 |
| Retained earnings to average equity (ytd only) | 9.1980% | 1,078 |
| Net charge-offs to loans | 0.3664% | 3,259 |
| Credit loss provision to net charge-offs | 60.6061% | 4,790 |
| Earnings coverage of net charge-offs (x) | 5.1179% | 2,871 |
| Efficiency ratio | 65.4938% | 4,807 |
| Assets per employee ($millions) | 3.1986% | 5,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0053% | 2,325 |
| Loan loss allowance to noncurrent loans | 58.8156% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 3.4550% | 1,825 |
| Noncurrent loans to loans | 3.4095% | 2,019 |
| Net loans and leases to total assets | 77.9881% | 709 |
| Net loans and leases to deposits | 93.1273% | 908 |
| Net loans and leases to core deposits | 98.1202% | 1,417 |
| Total domestic deposits to total assets | 83.7435% | 4,349 |
| Equity capital to assets | 9.9986% | 4,342 |
| Core capital (leverage) ratio | 9.9439% | 3,516 |
| Tier 1 risk-based capital ratio | 13.3283% | 4,861 |
| Total risk-based capital ratio | 14.2215% | 5,087 |
| Memoranda: | ||
| Average total assets | $135,595,000 | 4,084 |
| Average earning assets | $125,238,750 | 4,058 |
| Average equity | $13,089,500 | 4,332 |
| Average total loans | $108,081,000 | 3,460 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9128% | 564 |
| Cost of funding earning assets | 1.8043% | 304 |
| Net interest margin | 4.1085% | 2,376 |
| Noninterest income to average assets | 0.4920% | 3,930 |
| Noninterest expense to average assets | 2.9271% | 3,915 |
| Loan and lease loss provision to assets | 0.1778% | 4,145 |
| Net operating income to assets | 0.8003% | 3,073 |
| Return on assets (ROA) | 0.8003% | 3,198 |
| Pretax return on assets | 1.1871% | 2,532 |
| Return on Equity (ROE) | 8.3925% | 2,771 |
| Retained earnings to average equity (ytd only) | 8.3925% | 1,307 |
| Net charge-offs to loans | 0.3531% | 3,141 |
| Credit loss provision to net charge-offs | 63.1579% | 4,266 |
| Earnings coverage of net charge-offs (x) | 4.8474% | 2,757 |
| Efficiency ratio | 68.1975% | 4,483 |
| Assets per employee ($millions) | 3.1618% | 5,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0819% | 2,158 |
| Loan loss allowance to noncurrent loans | 223.3068% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 1.5159% | 3,929 |
| Noncurrent loans to loans | 0.9323% | 5,106 |
| Net loans and leases to total assets | 77.5597% | 833 |
| Net loans and leases to deposits | 92.3710% | 1,010 |
| Net loans and leases to core deposits | 97.1253% | 1,572 |
| Total domestic deposits to total assets | 83.9654% | 4,368 |
| Equity capital to assets | 9.7598% | 4,447 |
| Core capital (leverage) ratio | 9.7018% | 3,656 |
| Tier 1 risk-based capital ratio | 13.0781% | 4,855 |
| Total risk-based capital ratio | 14.3397% | 4,830 |
| Memoranda: | ||
| Average total assets | $134,947,000 | 4,127 |
| Average earning assets | $124,814,330 | 4,100 |
| Average equity | $12,868,670 | 4,370 |
| Average total loans | $107,621,670 | 3,513 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9221% | 568 |
| Cost of funding earning assets | 1.8197% | 346 |
| Net interest margin | 4.1024% | 2,255 |
| Noninterest income to average assets | 0.5653% | 3,402 |
| Noninterest expense to average assets | 2.9276% | 3,959 |
| Loan and lease loss provision to assets | 0.1785% | 3,835 |
| Net operating income to assets | 0.8509% | 2,778 |
| Return on assets (ROA) | 0.8509% | 2,837 |
| Pretax return on assets | 1.2556% | 2,179 |
| Return on Equity (ROE) | 9.0303% | 2,463 |
| Retained earnings to average equity (ytd only) | 9.0303% | 1,369 |
| Net charge-offs to loans | 0.1450% | 3,621 |
| Credit loss provision to net charge-offs | 153.8462% | 1,861 |
| Earnings coverage of net charge-offs (x) | 12.3590% | 1,501 |
| Efficiency ratio | 67.1214% | 4,823 |
| Assets per employee ($millions) | 3.1679% | 5,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2064% | 1,950 |
| Loan loss allowance to noncurrent loans | 177.2796% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 1.6686% | 3,748 |
| Noncurrent loans to loans | 1.2446% | 4,610 |
| Net loans and leases to total assets | 75.9103% | 1,041 |
| Net loans and leases to deposits | 90.0733% | 1,220 |
| Net loans and leases to core deposits | 94.6646% | 1,808 |
| Total domestic deposits to total assets | 84.2762% | 4,378 |
| Equity capital to assets | 9.4098% | 4,555 |
| Core capital (leverage) ratio | 9.6215% | 3,633 |
| Tier 1 risk-based capital ratio | 12.8943% | 4,905 |
| Total risk-based capital ratio | 14.1577% | 4,880 |
| Memoranda: | ||
| Average total assets | $134,442,500 | 4,163 |
| Average earning assets | $124,415,000 | 4,131 |
| Average equity | $12,668,500 | 4,407 |
| Average total loans | $107,588,000 | 3,548 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1495% | 632 |
| Cost of funding earning assets | 2.1869% | 315 |
| Net interest margin | 3.9627% | 3,197 |
| Noninterest income to average assets | 0.4259% | 4,702 |
| Noninterest expense to average assets | 2.7858% | 4,660 |
| Loan and lease loss provision to assets | 0.4331% | 3,523 |
| Net operating income to assets | 0.7396% | 3,049 |
| Return on assets (ROA) | 0.7396% | 3,179 |
| Pretax return on assets | 0.8756% | 3,390 |
| Return on Equity (ROE) | 8.3197% | 2,569 |
| Retained earnings to average equity (ytd only) | 8.0688% | 961 |
| Net charge-offs to loans | 0.1138% | 5,744 |
| Credit loss provision to net charge-offs | 470.3125% | 488 |
| Earnings coverage of net charge-offs (x) | 14.2109% | 1,359 |
| Efficiency ratio | 68.0373% | 4,556 |
| Assets per employee ($millions) | 2.9481% | 6,214 |
| Cash dividends to net income (ytd only)* | 3.0156% | 3,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1126% | 2,042 |
| Loan loss allowance to noncurrent loans | 192.5062% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 1.4819% | 4,093 |
| Noncurrent loans to loans | 1.0974% | 4,905 |
| Net loans and leases to total assets | 80.7493% | 571 |
| Net loans and leases to deposits | 96.5125% | 822 |
| Net loans and leases to core deposits | 101.8676% | 1,468 |
| Total domestic deposits to total assets | 83.6671% | 4,520 |
| Equity capital to assets | 9.4366% | 4,492 |
| Core capital (leverage) ratio | 9.1503% | 4,259 |
| Tier 1 risk-based capital ratio | 12.3402% | 5,169 |
| Total risk-based capital ratio | 13.6019% | 5,129 |
| Memoranda: | ||
| Average total assets | $138,991,200 | 4,070 |
| Average earning assets | $128,676,200 | 4,049 |
| Average equity | $12,356,200 | 4,513 |
| Average total loans | $112,493,400 | 3,484 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1467% | 689 |
| Cost of funding earning assets | 2.2341% | 348 |
| Net interest margin | 3.9127% | 3,476 |
| Noninterest income to average assets | 0.4704% | 4,413 |
| Noninterest expense to average assets | 2.7250% | 4,775 |
| Loan and lease loss provision to assets | 0.1442% | 5,589 |
| Net operating income to assets | 1.0120% | 2,192 |
| Return on assets (ROA) | 1.0120% | 2,313 |
| Pretax return on assets | 1.2226% | 2,416 |
| Return on Equity (ROE) | 11.5515% | 1,634 |
| Retained earnings to average equity (ytd only) | 11.5515% | 517 |
| Net charge-offs to loans | 0.1283% | 5,267 |
| Credit loss provision to net charge-offs | 139.4495% | 2,860 |
| Earnings coverage of net charge-offs (x) | 13.2202% | 1,606 |
| Efficiency ratio | 66.5971% | 4,731 |
| Assets per employee ($millions) | 3.1344% | 5,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7093% | 3,125 |
| Loan loss allowance to noncurrent loans | 223.1317% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 1.4485% | 4,280 |
| Noncurrent loans to loans | 0.7660% | 5,677 |
| Net loans and leases to total assets | 76.6877% | 1,282 |
| Net loans and leases to deposits | 93.8094% | 1,222 |
| Net loans and leases to core deposits | 98.7916% | 1,959 |
| Total domestic deposits to total assets | 81.7485% | 5,098 |
| Equity capital to assets | 9.1062% | 5,441 |
| Core capital (leverage) ratio | 9.0377% | 4,626 |
| Tier 1 risk-based capital ratio | 11.9939% | 5,469 |
| Total risk-based capital ratio | 13.2504% | 5,432 |
| Memoranda: | ||
| Average total assets | $140,572,750 | 4,098 |
| Average earning assets | $130,103,750 | 4,063 |
| Average equity | $12,315,500 | 4,596 |
| Average total loans | $113,257,250 | 3,520 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2051% | 616 |
| Cost of funding earning assets | 2.2791% | 360 |
| Net interest margin | 3.9261% | 3,333 |
| Noninterest income to average assets | 0.5128% | 4,008 |
| Noninterest expense to average assets | 2.7262% | 4,805 |
| Loan and lease loss provision to assets | 0.1239% | 5,654 |
| Net operating income to assets | 1.1580% | 1,678 |
| Return on assets (ROA) | 1.1580% | 1,738 |
| Pretax return on assets | 1.2990% | 2,087 |
| Return on Equity (ROE) | 13.3945% | 1,160 |
| Retained earnings to average equity (ytd only) | 13.3945% | 346 |
| Net charge-offs to loans | 0.1784% | 4,540 |
| Credit loss provision to net charge-offs | 85.2941% | 4,561 |
| Earnings coverage of net charge-offs (x) | 9.7941% | 1,975 |
| Efficiency ratio | 65.7055% | 5,035 |
| Assets per employee ($millions) | 3.1052% | 5,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6290% | 3,322 |
| Loan loss allowance to noncurrent loans | 256.7606% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 1.4255% | 4,337 |
| Noncurrent loans to loans | 0.6345% | 5,977 |
| Net loans and leases to total assets | 78.7800% | 998 |
| Net loans and leases to deposits | 96.1827% | 1,033 |
| Net loans and leases to core deposits | 101.3478% | 1,883 |
| Total domestic deposits to total assets | 81.9066% | 5,027 |
| Equity capital to assets | 8.9862% | 5,470 |
| Core capital (leverage) ratio | 8.9059% | 4,742 |
| Tier 1 risk-based capital ratio | 11.5749% | 5,694 |
| Total risk-based capital ratio | 12.8308% | 5,659 |
| Memoranda: | ||
| Average total assets | $140,415,000 | 4,130 |
| Average earning assets | $130,054,000 | 4,085 |
| Average equity | $12,139,330 | 4,644 |
| Average total loans | $114,327,670 | 3,525 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2568% | 571 |
| Cost of funding earning assets | 2.3401% | 377 |
| Net interest margin | 3.9166% | 3,252 |
| Noninterest income to average assets | 0.4689% | 4,304 |
| Noninterest expense to average assets | 2.7338% | 4,749 |
| Loan and lease loss provision to assets | 0.1620% | 4,908 |
| Net operating income to assets | 1.2021% | 1,534 |
| Return on assets (ROA) | 1.2021% | 1,610 |
| Pretax return on assets | 1.2021% | 2,352 |
| Return on Equity (ROE) | 14.1821% | 1,022 |
| Retained earnings to average equity (ytd only) | 14.1821% | 488 |
| Net charge-offs to loans | 0.3081% | 3,183 |
| Credit loss provision to net charge-offs | 64.0449% | 4,227 |
| Earnings coverage of net charge-offs (x) | 5.3933% | 2,409 |
| Efficiency ratio | 66.7129% | 4,972 |
| Assets per employee ($millions) | 3.2297% | 5,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5928% | 3,484 |
| Loan loss allowance to noncurrent loans | 117.5016% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 2.0903% | 3,399 |
| Noncurrent loans to loans | 1.3556% | 4,709 |
| Net loans and leases to total assets | 80.3416% | 794 |
| Net loans and leases to deposits | 97.6749% | 941 |
| Net loans and leases to core deposits | 102.4658% | 1,855 |
| Total domestic deposits to total assets | 82.2541% | 4,955 |
| Equity capital to assets | 8.7286% | 5,693 |
| Core capital (leverage) ratio | 8.5462% | 5,296 |
| Tier 1 risk-based capital ratio | 11.1115% | 6,048 |
| Total risk-based capital ratio | 12.3670% | 6,015 |
| Memoranda: | ||
| Average total assets | $140,754,500 | 4,180 |
| Average earning assets | $130,419,000 | 4,143 |
| Average equity | $11,930,500 | 4,733 |
| Average total loans | $115,538,000 | 3,551 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3275% | 971 |
| Cost of funding earning assets | 2.8374% | 395 |
| Net interest margin | 3.4901% | 5,004 |
| Noninterest income to average assets | 0.5498% | 4,026 |
| Noninterest expense to average assets | 2.7561% | 5,141 |
| Loan and lease loss provision to assets | 0.9014% | 2,497 |
| Net operating income to assets | 0.1722% | 4,989 |
| Return on assets (ROA) | 0.1722% | 5,067 |
| Pretax return on assets | 0.1722% | 5,068 |
| Return on Equity (ROE) | 2.0740% | 4,872 |
| Retained earnings to average equity (ytd only) | 2.0740% | 3,652 |
| Net charge-offs to loans | 0.5757% | 3,493 |
| Credit loss provision to net charge-offs | 182.6979% | 2,252 |
| Earnings coverage of net charge-offs (x) | 2.1760% | 4,091 |
| Efficiency ratio | 71.9683% | 4,265 |
| Assets per employee ($millions) | 3.1696% | 5,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5617% | 3,431 |
| Loan loss allowance to noncurrent loans | 98.5523% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 2.1026% | 3,271 |
| Noncurrent loans to loans | 1.5846% | 4,277 |
| Net loans and leases to total assets | 81.2272% | 804 |
| Net loans and leases to deposits | 97.9904% | 1,104 |
| Net loans and leases to core deposits | 137.7074% | 885 |
| Total domestic deposits to total assets | 82.8930% | 4,567 |
| Equity capital to assets | 8.2303% | 6,304 |
| Core capital (leverage) ratio | 8.2600% | 5,702 |
| Tier 1 risk-based capital ratio | 10.6383% | 6,260 |
| Total risk-based capital ratio | 11.8940% | 6,229 |
| Memoranda: | ||
| Average total assets | $138,236,400 | 4,158 |
| Average earning assets | $129,908,600 | 4,089 |
| Average equity | $11,475,400 | 4,889 |
| Average total loans | $118,459,600 | 3,512 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3397% | 1,045 |
| Cost of funding earning assets | 2.9374% | 398 |
| Net interest margin | 3.4024% | 5,250 |
| Noninterest income to average assets | 0.5357% | 4,191 |
| Noninterest expense to average assets | 2.7961% | 4,917 |
| Loan and lease loss provision to assets | 0.9810% | 1,953 |
| Net operating income to assets | -0.0331% | 5,765 |
| Return on assets (ROA) | -0.0331% | 5,827 |
| Pretax return on assets | -0.0331% | 5,756 |
| Return on Equity (ROE) | -0.3973% | 5,843 |
| Retained earnings to average equity (ytd only) | -0.3973% | 5,315 |
| Net charge-offs to loans | 0.2169% | 4,677 |
| Credit loss provision to net charge-offs | 522.7979% | 750 |
| Earnings coverage of net charge-offs (x) | 5.0518% | 2,942 |
| Efficiency ratio | 74.6819% | 3,744 |
| Assets per employee ($millions) | 3.0297% | 6,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7183% | 2,556 |
| Loan loss allowance to noncurrent loans | 54.2857% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 2.8407% | 2,452 |
| Noncurrent loans to loans | 3.1653% | 2,387 |
| Net loans and leases to total assets | 85.7755% | 360 |
| Net loans and leases to deposits | 103.8900% | 783 |
| Net loans and leases to core deposits | 144.9316% | 730 |
| Total domestic deposits to total assets | 82.5638% | 4,413 |
| Equity capital to assets | 8.2417% | 6,579 |
| Core capital (leverage) ratio | 8.0931% | 6,190 |
| Tier 1 risk-based capital ratio | 9.9466% | 7,024 |
| Total risk-based capital ratio | 11.2038% | 6,978 |
| Memoranda: | ||
| Average total assets | $137,137,500 | 4,209 |
| Average earning assets | $129,319,000 | 4,119 |
| Average equity | $11,409,500 | 4,945 |
| Average total loans | $118,651,000 | 3,544 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3331% | 1,135 |
| Cost of funding earning assets | 3.0341% | 422 |
| Net interest margin | 3.2990% | 5,555 |
| Noninterest income to average assets | 0.4854% | 4,581 |
| Noninterest expense to average assets | 2.8022% | 4,952 |
| Loan and lease loss provision to assets | 1.4473% | 1,200 |
| Net operating income to assets | -0.6598% | 6,714 |
| Return on assets (ROA) | -0.6598% | 6,722 |
| Pretax return on assets | -0.6598% | 6,572 |
| Return on Equity (ROE) | -7.9058% | 6,886 |
| Retained earnings to average equity (ytd only) | -7.9058% | 6,659 |
| Net charge-offs to loans | 0.2618% | 3,881 |
| Credit loss provision to net charge-offs | 640.9091% | 724 |
| Earnings coverage of net charge-offs (x) | 3.4870% | 3,426 |
| Efficiency ratio | 78.0637% | 3,339 |
| Assets per employee ($millions) | 3.3597% | 5,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7497% | 2,182 |
| Loan loss allowance to noncurrent loans | 79.5695% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.9224% | 3,313 |
| Noncurrent loans to loans | 2.1990% | 3,257 |
| Net loans and leases to total assets | 85.8923% | 388 |
| Net loans and leases to deposits | 104.1112% | 903 |
| Net loans and leases to core deposits | 143.2095% | 875 |
| Total domestic deposits to total assets | 82.5005% | 4,478 |
| Equity capital to assets | 7.9842% | 6,771 |
| Core capital (leverage) ratio | 8.0039% | 6,322 |
| Tier 1 risk-based capital ratio | 9.7475% | 7,186 |
| Total risk-based capital ratio | 11.0059% | 7,119 |
| Memoranda: | ||
| Average total assets | $136,395,000 | 4,251 |
| Average earning assets | $128,341,000 | 4,178 |
| Average equity | $11,384,000 | 4,982 |
| Average total loans | $117,657,670 | 3,590 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3259% | 1,228 |
| Cost of funding earning assets | 3.1394% | 406 |
| Net interest margin | 3.1865% | 5,895 |
| Noninterest income to average assets | 0.3478% | 5,664 |
| Noninterest expense to average assets | 2.6437% | 5,247 |
| Loan and lease loss provision to assets | 0.2682% | 3,815 |
| Net operating income to assets | 0.4303% | 4,744 |
| Return on assets (ROA) | 0.4303% | 4,920 |
| Pretax return on assets | 0.4303% | 5,313 |
| Return on Equity (ROE) | 5.0445% | 4,459 |
| Retained earnings to average equity (ytd only) | 5.0445% | 3,099 |
| Net charge-offs to loans | 0.2821% | 2,985 |
| Credit loss provision to net charge-offs | 110.9756% | 3,479 |
| Earnings coverage of net charge-offs (x) | 2.8902% | 3,345 |
| Efficiency ratio | 79.1005% | 2,982 |
| Assets per employee ($millions) | 3.3781% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 5,435 |
| Loan loss allowance to noncurrent loans | 48.1065% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 2.0130% | 2,881 |
| Noncurrent loans to loans | 2.2967% | 2,861 |
| Net loans and leases to total assets | 84.9871% | 549 |
| Net loans and leases to deposits | 103.6781% | 1,032 |
| Net loans and leases to core deposits | 142.2971% | 996 |
| Total domestic deposits to total assets | 81.9721% | 4,560 |
| Equity capital to assets | 8.6039% | 5,911 |
| Core capital (leverage) ratio | 8.6097% | 5,323 |
| Tier 1 risk-based capital ratio | 10.3805% | 6,515 |
| Total risk-based capital ratio | 11.5329% | 6,535 |
| Memoranda: | ||
| Average total assets | $135,719,000 | 4,296 |
| Average earning assets | $127,539,000 | 4,204 |
| Average equity | $11,577,000 | 4,964 |
| Average total loans | $116,276,000 | 3,646 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9091% | 1,368 |
| Cost of funding earning assets | 3.7023% | 266 |
| Net interest margin | 3.2068% | 6,345 |
| Noninterest income to average assets | 0.4355% | 5,165 |
| Noninterest expense to average assets | 2.7622% | 5,000 |
| Loan and lease loss provision to assets | 0.5328% | 2,687 |
| Net operating income to assets | 0.1695% | 5,939 |
| Return on assets (ROA) | 0.1695% | 5,771 |
| Pretax return on assets | 0.1695% | 5,797 |
| Return on Equity (ROE) | 1.8322% | 5,659 |
| Retained earnings to average equity (ytd only) | 1.5692% | 4,277 |
| Net charge-offs to loans | 0.3105% | 3,317 |
| Credit loss provision to net charge-offs | 204.0373% | 2,380 |
| Earnings coverage of net charge-offs (x) | 2.6894% | 4,736 |
| Efficiency ratio | 79.7285% | 2,637 |
| Assets per employee ($millions) | 3.5872% | 4,449 |
| Cash dividends to net income (ytd only)* | 14.3541% | 4,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 5,325 |
| Loan loss allowance to noncurrent loans | 55.8038% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 1.6748% | 2,905 |
| Noncurrent loans to loans | 1.9608% | 2,811 |
| Net loans and leases to total assets | 84.4792% | 812 |
| Net loans and leases to deposits | 102.8087% | 1,494 |
| Net loans and leases to core deposits | 137.8829% | 1,379 |
| Total domestic deposits to total assets | 82.1713% | 4,134 |
| Equity capital to assets | 8.4569% | 6,160 |
| Core capital (leverage) ratio | 8.6450% | 5,295 |
| Tier 1 risk-based capital ratio | 10.1276% | 6,597 |
| Total risk-based capital ratio | 11.2583% | 6,608 |
| Memoranda: | ||
| Average total assets | $123,307,600 | 4,438 |
| Average earning assets | $116,469,600 | 4,353 |
| Average equity | $11,407,000 | 5,001 |
| Average total loans | $103,691,800 | 3,856 |