Home > United Community Bank of West Kentucky, Inc. > Performance and Condition Ratios
United Community Bank of West Kentucky, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5860% | 2,925 |
| Cost of funding earning assets | 1.5685% | 1,775 |
| Net interest margin | 3.0175% | 3,240 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 1.7662% | 4,046 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.3200% | 1,395 |
| Return on assets (ROA) | 1.3047% | 1,392 |
| Pretax return on assets | 1.5993% | 1,228 |
| Return on Equity (ROE) | 18.3000% | 779 |
| Retained earnings to average equity (ytd only) | 9.9839% | 1,020 |
| Net charge-offs to loans | 0.0038% | 2,609 |
| Credit loss provision to net charge-offs | 1,166.6667% | 361 |
| Earnings coverage of net charge-offs (x) | 825.1111% | 179 |
| Efficiency ratio | 51.6345% | 3,865 |
| Assets per employee ($millions) | 7.4041% | 1,803 |
| Cash dividends to net income (ytd only)* | 45.4438% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 1,433 |
| Loan loss allowance to noncurrent loans | 1,048.9164% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 3,084 |
| Noncurrent loans to loans | 0.1321% | 2,851 |
| Net loans and leases to total assets | 53.3800% | 3,393 |
| Net loans and leases to deposits | 63.2321% | 3,338 |
| Net loans and leases to core deposits | 69.3715% | 3,344 |
| Total domestic deposits to total assets | 84.4200% | 2,496 |
| Equity capital to assets | 7.9978% | 3,421 |
| Core capital (leverage) ratio | 10.4889% | 2,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $452,502,800 | 1,851 |
| Average earning assets | $417,664,000 | 1,844 |
| Average equity | $32,262,000 | 2,173 |
| Average total loans | $235,438,400 | 2,078 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3856% | 3,125 |
| Cost of funding earning assets | 1.3167% | 2,106 |
| Net interest margin | 3.0689% | 3,205 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 1.7718% | 4,028 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.3361% | 1,455 |
| Return on assets (ROA) | 1.3387% | 1,433 |
| Pretax return on assets | 1.6466% | 1,269 |
| Return on Equity (ROE) | 15.2200% | 1,411 |
| Retained earnings to average equity (ytd only) | 13.0848% | 800 |
| Net charge-offs to loans | 0.0029% | 2,431 |
| Credit loss provision to net charge-offs | 2,100.0000% | 231 |
| Earnings coverage of net charge-offs (x) | 1,160.0000% | 135 |
| Efficiency ratio | 51.2312% | 3,814 |
| Assets per employee ($millions) | 7.2284% | 1,804 |
| Cash dividends to net income (ytd only)* | 14.0548% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 1,386 |
| Loan loss allowance to noncurrent loans | 1,173.7024% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 3,198 |
| Noncurrent loans to loans | 0.1207% | 2,958 |
| Net loans and leases to total assets | 51.0400% | 3,551 |
| Net loans and leases to deposits | 59.8314% | 3,513 |
| Net loans and leases to core deposits | 66.1113% | 3,425 |
| Total domestic deposits to total assets | 85.3100% | 2,412 |
| Equity capital to assets | 9.1099% | 2,360 |
| Core capital (leverage) ratio | 11.2065% | 1,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $462,045,000 | 1,819 |
| Average earning assets | $430,156,500 | 1,802 |
| Average equity | $40,626,250 | 1,845 |
| Average total loans | $233,181,000 | 2,091 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3048% | 3,094 |
| Cost of funding earning assets | 1.1558% | 2,121 |
| Net interest margin | 3.1490% | 3,109 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 1.7651% | 4,063 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.3767% | 1,390 |
| Return on assets (ROA) | 1.3805% | 1,357 |
| Pretax return on assets | 1.7005% | 1,211 |
| Return on Equity (ROE) | 15.8900% | 1,284 |
| Retained earnings to average equity (ytd only) | 12.6420% | 866 |
| Net charge-offs to loans | -0.0026% | 3,570 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.1544% | 3,916 |
| Assets per employee ($millions) | 7.4026% | 1,659 |
| Cash dividends to net income (ytd only)* | 20.4517% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 1,394 |
| Loan loss allowance to noncurrent loans | 817.3077% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 2,904 |
| Noncurrent loans to loans | 0.1760% | 2,601 |
| Net loans and leases to total assets | 50.7700% | 3,504 |
| Net loans and leases to deposits | 59.6053% | 3,447 |
| Net loans and leases to core deposits | 66.5655% | 3,320 |
| Total domestic deposits to total assets | 85.1700% | 2,494 |
| Equity capital to assets | 9.0251% | 2,501 |
| Core capital (leverage) ratio | 10.8206% | 2,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $461,854,667 | 1,823 |
| Average earning assets | $429,847,667 | 1,809 |
| Average equity | $40,120,333 | 1,877 |
| Average total loans | $231,064,333 | 2,092 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2398% | 2,955 |
| Cost of funding earning assets | 0.9232% | 2,303 |
| Net interest margin | 3.3166% | 2,838 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 1.7414% | 4,135 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.4586% | 1,270 |
| Return on assets (ROA) | 1.4600% | 1,237 |
| Pretax return on assets | 1.8053% | 1,057 |
| Return on Equity (ROE) | 17.1400% | 1,151 |
| Retained earnings to average equity (ytd only) | 10.5296% | 1,574 |
| Net charge-offs to loans | 0.0018% | 1,979 |
| Credit loss provision to net charge-offs | 10,500.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 2,194.0000% | 38 |
| Efficiency ratio | 47.7084% | 4,102 |
| Assets per employee ($millions) | 7.5935% | 1,566 |
| Cash dividends to net income (ytd only)* | 38.5571% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 1,281 |
| Loan loss allowance to noncurrent loans | 886.6841% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 2,975 |
| Noncurrent loans to loans | 0.1685% | 2,646 |
| Net loans and leases to total assets | 48.3400% | 3,607 |
| Net loans and leases to deposits | 58.1205% | 3,446 |
| Net loans and leases to core deposits | 63.0109% | 3,387 |
| Total domestic deposits to total assets | 83.1800% | 3,260 |
| Equity capital to assets | 8.7629% | 2,687 |
| Core capital (leverage) ratio | 10.2896% | 2,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $463,301,000 | 1,841 |
| Average earning assets | $431,531,500 | 1,830 |
| Average equity | $39,469,500 | 1,920 |
| Average total loans | $228,399,500 | 2,124 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5672% | 2,892 |
| Cost of funding earning assets | 0.4942% | 1,428 |
| Net interest margin | 3.0730% | 3,253 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 1.6960% | 4,190 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.3746% | 1,198 |
| Return on assets (ROA) | 1.3545% | 1,225 |
| Pretax return on assets | 1.6714% | 990 |
| Return on Equity (ROE) | 14.3200% | 1,457 |
| Retained earnings to average equity (ytd only) | -1.6206% | 4,467 |
| Net charge-offs to loans | 0.0108% | 1,970 |
| Credit loss provision to net charge-offs | 625.0000% | 584 |
| Earnings coverage of net charge-offs (x) | 328.0833% | 459 |
| Efficiency ratio | 49.3492% | 4,167 |
| Assets per employee ($millions) | 7.4741% | 1,635 |
| Cash dividends to net income (ytd only)* | 111.3165% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4345% | 1,390 |
| Loan loss allowance to noncurrent loans | 831.3131% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 2,952 |
| Noncurrent loans to loans | 0.1726% | 2,619 |
| Net loans and leases to total assets | 48.8100% | 3,601 |
| Net loans and leases to deposits | 54.7924% | 3,638 |
| Net loans and leases to core deposits | 60.3719% | 3,488 |
| Total domestic deposits to total assets | 89.0800% | 1,692 |
| Equity capital to assets | 8.2756% | 2,879 |
| Core capital (leverage) ratio | 10.2933% | 2,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $455,369,800 | 1,844 |
| Average earning assets | $426,525,200 | 1,831 |
| Average equity | $43,069,600 | 1,819 |
| Average total loans | $222,688,400 | 2,092 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4368% | 2,815 |
| Cost of funding earning assets | 0.4202% | 1,156 |
| Net interest margin | 3.0166% | 3,178 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 1.7098% | 4,136 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.3291% | 1,270 |
| Return on assets (ROA) | 1.3572% | 1,171 |
| Pretax return on assets | 1.6769% | 950 |
| Return on Equity (ROE) | 13.9100% | 1,452 |
| Retained earnings to average equity (ytd only) | -0.8587% | 4,412 |
| Net charge-offs to loans | 0.0084% | 1,822 |
| Credit loss provision to net charge-offs | 642.8571% | 538 |
| Earnings coverage of net charge-offs (x) | 405.2857% | 382 |
| Efficiency ratio | 50.4526% | 4,134 |
| Assets per employee ($millions) | 7.4488% | 1,649 |
| Cash dividends to net income (ytd only)* | 106.1755% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 1,471 |
| Loan loss allowance to noncurrent loans | 550.4244% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 2,690 |
| Noncurrent loans to loans | 0.2623% | 2,327 |
| Net loans and leases to total assets | 49.5200% | 3,496 |
| Net loans and leases to deposits | 56.5504% | 3,435 |
| Net loans and leases to core deposits | 61.0673% | 3,298 |
| Total domestic deposits to total assets | 87.5600% | 2,572 |
| Equity capital to assets | 8.4673% | 2,567 |
| Core capital (leverage) ratio | 10.5555% | 2,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $453,363,000 | 1,857 |
| Average earning assets | $425,187,000 | 1,844 |
| Average equity | $44,249,750 | 1,800 |
| Average total loans | $220,990,500 | 2,103 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2741% | 2,816 |
| Cost of funding earning assets | 0.3772% | 1,066 |
| Net interest margin | 2.8970% | 3,181 |
| Noninterest income to average assets | 0.5339% | 2,025 |
| Noninterest expense to average assets | 1.7084% | 4,133 |
| Loan and lease loss provision to assets | 0.0263% | 2,125 |
| Net operating income to assets | 1.2346% | 1,316 |
| Return on assets (ROA) | 1.2720% | 1,200 |
| Pretax return on assets | 1.5701% | 1,006 |
| Return on Equity (ROE) | 12.4910% | 1,527 |
| Retained earnings to average equity (ytd only) | -8.6364% | 4,635 |
| Net charge-offs to loans | 0.0164% | 1,422 |
| Credit loss provision to net charge-offs | 333.3333% | 758 |
| Earnings coverage of net charge-offs (x) | 196.1667% | 545 |
| Efficiency ratio | 52.2770% | 4,106 |
| Assets per employee ($millions) | 7.3698% | 1,686 |
| Cash dividends to net income (ytd only)* | 169.1405% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 1,625 |
| Loan loss allowance to noncurrent loans | 572.8571% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 2,834 |
| Noncurrent loans to loans | 0.2502% | 2,477 |
| Net loans and leases to total assets | 49.0809% | 3,461 |
| Net loans and leases to deposits | 55.0966% | 3,457 |
| Net loans and leases to core deposits | 59.6571% | 3,296 |
| Total domestic deposits to total assets | 89.0814% | 2,147 |
| Equity capital to assets | 8.4381% | 2,809 |
| Core capital (leverage) ratio | 10.9177% | 1,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2765% | 1,129 |
| Memoranda: | ||
| Average total assets | $455,507,333 | 1,860 |
| Average earning assets | $428,447,667 | 1,848 |
| Average equity | $46,385,333 | 1,783 |
| Average total loans | $219,805,000 | 2,109 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4567% | 1,930 |
| Cost of funding earning assets | 0.3447% | 1,249 |
| Net interest margin | 3.1120% | 2,132 |
| Noninterest income to average assets | 0.5754% | 1,800 |
| Noninterest expense to average assets | 1.8558% | 3,795 |
| Loan and lease loss provision to assets | 0.0313% | 1,800 |
| Net operating income to assets | 1.3190% | 960 |
| Return on assets (ROA) | 1.3190% | 947 |
| Pretax return on assets | 1.6115% | 811 |
| Return on Equity (ROE) | 14.1743% | 803 |
| Retained earnings to average equity (ytd only) | -40.8170% | 4,770 |
| Net charge-offs to loans | 0.0177% | 1,178 |
| Credit loss provision to net charge-offs | 333.3333% | 633 |
| Earnings coverage of net charge-offs (x) | 174.7778% | 468 |
| Efficiency ratio | 53.0448% | 4,119 |
| Assets per employee ($millions) | 6.4268% | 2,433 |
| Cash dividends to net income (ytd only)* | 387.9652% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 1,302 |
| Loan loss allowance to noncurrent loans | 1,852.9070% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 3,586 |
| Noncurrent loans to loans | 0.0858% | 3,412 |
| Net loans and leases to total assets | 52.0291% | 2,986 |
| Net loans and leases to deposits | 58.2356% | 3,053 |
| Net loans and leases to core deposits | 61.3244% | 3,039 |
| Total domestic deposits to total assets | 89.3424% | 1,907 |
| Equity capital to assets | 7.8115% | 3,720 |
| Core capital (leverage) ratio | 9.7571% | 2,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2124% | 1,451 |
| Memoranda: | ||
| Average total assets | $383,007,000 | 2,121 |
| Average earning assets | $359,769,000 | 2,112 |
| Average equity | $35,642,000 | 2,233 |
| Average total loans | $203,079,000 | 2,202 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 1,802 |
| Cost of funding earning assets | 0.4175% | 1,415 |
| Net interest margin | 3.4104% | 1,993 |
| Noninterest income to average assets | 0.5995% | 2,157 |
| Noninterest expense to average assets | 1.9886% | 3,707 |
| Loan and lease loss provision to assets | 0.0831% | 1,480 |
| Net operating income to assets | 1.4232% | 1,203 |
| Return on assets (ROA) | 1.4234% | 1,268 |
| Pretax return on assets | 1.7427% | 1,038 |
| Return on Equity (ROE) | 12.5236% | 1,642 |
| Retained earnings to average equity (ytd only) | 8.2101% | 1,459 |
| Net charge-offs to loans | 0.0296% | 1,648 |
| Credit loss provision to net charge-offs | 508.4746% | 789 |
| Earnings coverage of net charge-offs (x) | 111.6441% | 825 |
| Efficiency ratio | 52.1363% | 4,107 |
| Assets per employee ($millions) | 6.6695% | 2,182 |
| Cash dividends to net income (ytd only)* | 34.4431% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5392% | 1,431 |
| Loan loss allowance to noncurrent loans | 1,222.3938% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 3,498 |
| Noncurrent loans to loans | 0.1259% | 3,301 |
| Net loans and leases to total assets | 52.3535% | 3,019 |
| Net loans and leases to deposits | 62.9874% | 2,786 |
| Net loans and leases to core deposits | 67.3904% | 2,699 |
| Total domestic deposits to total assets | 83.1174% | 3,780 |
| Equity capital to assets | 10.7706% | 1,958 |
| Core capital (leverage) ratio | 10.8206% | 1,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7363% | 1,111 |
| Memoranda: | ||
| Average total assets | $360,813,800 | 2,147 |
| Average earning assets | $340,102,000 | 2,128 |
| Average equity | $41,010,600 | 2,052 |
| Average total loans | $199,200,800 | 2,240 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9174% | 1,712 |
| Cost of funding earning assets | 0.4186% | 1,558 |
| Net interest margin | 3.4989% | 1,865 |
| Noninterest income to average assets | 0.6006% | 2,210 |
| Noninterest expense to average assets | 2.0069% | 3,652 |
| Loan and lease loss provision to assets | 0.0790% | 1,496 |
| Net operating income to assets | 1.4760% | 1,325 |
| Return on assets (ROA) | 1.4763% | 1,375 |
| Pretax return on assets | 1.8116% | 1,143 |
| Return on Equity (ROE) | 12.8051% | 1,762 |
| Retained earnings to average equity (ytd only) | 12.8051% | 671 |
| Net charge-offs to loans | 0.0405% | 1,283 |
| Credit loss provision to net charge-offs | 350.0000% | 929 |
| Earnings coverage of net charge-offs (x) | 83.7167% | 955 |
| Efficiency ratio | 51.4967% | 4,073 |
| Assets per employee ($millions) | 6.4255% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5635% | 1,429 |
| Loan loss allowance to noncurrent loans | 1,053.4247% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 3,579 |
| Noncurrent loans to loans | 0.1484% | 3,376 |
| Net loans and leases to total assets | 51.9640% | 3,191 |
| Net loans and leases to deposits | 61.2948% | 3,114 |
| Net loans and leases to core deposits | 65.7191% | 2,974 |
| Total domestic deposits to total assets | 84.7772% | 3,188 |
| Equity capital to assets | 11.4546% | 1,709 |
| Core capital (leverage) ratio | 11.1719% | 1,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6925% | 1,011 |
| Memoranda: | ||
| Average total assets | $354,309,750 | 2,191 |
| Average earning assets | $333,814,500 | 2,187 |
| Average equity | $40,847,250 | 2,087 |
| Average total loans | $197,579,750 | 2,284 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8642% | 1,911 |
| Cost of funding earning assets | 0.4210% | 1,729 |
| Net interest margin | 3.4432% | 2,027 |
| Noninterest income to average assets | 0.6048% | 2,196 |
| Noninterest expense to average assets | 2.0185% | 3,642 |
| Loan and lease loss provision to assets | 0.0747% | 1,587 |
| Net operating income to assets | 1.4367% | 1,460 |
| Return on assets (ROA) | 1.4372% | 1,527 |
| Pretax return on assets | 1.7537% | 1,347 |
| Return on Equity (ROE) | 12.4374% | 1,897 |
| Retained earnings to average equity (ytd only) | 12.4374% | 824 |
| Net charge-offs to loans | 0.0425% | 1,213 |
| Credit loss provision to net charge-offs | 309.5238% | 869 |
| Earnings coverage of net charge-offs (x) | 75.7619% | 859 |
| Efficiency ratio | 52.4791% | 3,991 |
| Assets per employee ($millions) | 6.2266% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 1,530 |
| Loan loss allowance to noncurrent loans | 865.8046% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 3,568 |
| Noncurrent loans to loans | 0.1753% | 3,337 |
| Net loans and leases to total assets | 54.1208% | 3,116 |
| Net loans and leases to deposits | 64.0731% | 2,995 |
| Net loans and leases to core deposits | 68.7997% | 2,882 |
| Total domestic deposits to total assets | 84.4673% | 3,291 |
| Equity capital to assets | 11.4872% | 1,637 |
| Core capital (leverage) ratio | 11.1767% | 1,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,186,667 | 2,211 |
| Average earning assets | $327,780,667 | 2,205 |
| Average equity | $40,233,333 | 2,096 |
| Average total loans | $197,861,333 | 2,292 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7797% | 2,156 |
| Cost of funding earning assets | 0.4321% | 1,847 |
| Net interest margin | 3.3475% | 2,260 |
| Noninterest income to average assets | 0.6040% | 2,188 |
| Noninterest expense to average assets | 2.0731% | 3,502 |
| Loan and lease loss provision to assets | 0.0819% | 1,582 |
| Net operating income to assets | 1.3286% | 1,736 |
| Return on assets (ROA) | 1.3286% | 1,822 |
| Pretax return on assets | 1.5955% | 1,741 |
| Return on Equity (ROE) | 11.4625% | 2,199 |
| Retained earnings to average equity (ytd only) | 11.4625% | 1,280 |
| Net charge-offs to loans | 0.0769% | 815 |
| Credit loss provision to net charge-offs | 184.2105% | 914 |
| Earnings coverage of net charge-offs (x) | 37.7105% | 1,004 |
| Efficiency ratio | 55.2747% | 3,638 |
| Assets per employee ($millions) | 5.7977% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 1,591 |
| Loan loss allowance to noncurrent loans | 756.2660% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 3,619 |
| Noncurrent loans to loans | 0.1989% | 3,395 |
| Net loans and leases to total assets | 54.7584% | 3,165 |
| Net loans and leases to deposits | 64.5038% | 3,081 |
| Net loans and leases to core deposits | 68.5358% | 3,016 |
| Total domestic deposits to total assets | 84.8917% | 3,148 |
| Equity capital to assets | 11.0778% | 1,805 |
| Core capital (leverage) ratio | 11.4423% | 1,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6632% | 973 |
| Memoranda: | ||
| Average total assets | $341,709,000 | 2,231 |
| Average earning assets | $321,192,500 | 2,216 |
| Average equity | $39,607,500 | 2,103 |
| Average total loans | $197,559,000 | 2,298 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3534% | 1,710 |
| Cost of funding earning assets | 0.6596% | 1,934 |
| Net interest margin | 3.6938% | 1,820 |
| Noninterest income to average assets | 0.6222% | 2,131 |
| Noninterest expense to average assets | 2.2660% | 3,499 |
| Loan and lease loss provision to assets | 0.0995% | 3,094 |
| Net operating income to assets | 1.4411% | 933 |
| Return on assets (ROA) | 1.4564% | 988 |
| Pretax return on assets | 1.7328% | 798 |
| Return on Equity (ROE) | 11.2488% | 1,541 |
| Retained earnings to average equity (ytd only) | 0.6766% | 4,321 |
| Net charge-offs to loans | 0.0218% | 2,620 |
| Credit loss provision to net charge-offs | 697.6744% | 996 |
| Earnings coverage of net charge-offs (x) | 127.1395% | 674 |
| Efficiency ratio | 55.5384% | 4,041 |
| Assets per employee ($millions) | 5.4059% | 2,947 |
| Cash dividends to net income (ytd only)* | 93.9850% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 1,675 |
| Loan loss allowance to noncurrent loans | 481.8781% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 3,362 |
| Noncurrent loans to loans | 0.3058% | 3,106 |
| Net loans and leases to total assets | 59.3094% | 2,947 |
| Net loans and leases to deposits | 72.3692% | 2,647 |
| Net loans and leases to core deposits | 78.0158% | 2,549 |
| Total domestic deposits to total assets | 81.9540% | 3,672 |
| Equity capital to assets | 12.1414% | 1,503 |
| Core capital (leverage) ratio | 11.6017% | 1,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3909% | 986 |
| Memoranda: | ||
| Average total assets | $301,361,800 | 2,288 |
| Average earning assets | $282,121,800 | 2,277 |
| Average equity | $39,017,600 | 2,054 |
| Average total loans | $196,930,000 | 2,264 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4402% | 1,738 |
| Cost of funding earning assets | 0.6763% | 2,162 |
| Net interest margin | 3.7639% | 1,725 |
| Noninterest income to average assets | 0.6275% | 2,073 |
| Noninterest expense to average assets | 2.2918% | 3,443 |
| Loan and lease loss provision to assets | 0.0952% | 3,128 |
| Net operating income to assets | 1.4787% | 946 |
| Return on assets (ROA) | 1.4916% | 1,008 |
| Pretax return on assets | 1.7789% | 816 |
| Return on Equity (ROE) | 11.3233% | 1,581 |
| Retained earnings to average equity (ytd only) | 2.7689% | 3,621 |
| Net charge-offs to loans | 0.0176% | 2,509 |
| Credit loss provision to net charge-offs | 807.6923% | 972 |
| Earnings coverage of net charge-offs (x) | 157.7692% | 581 |
| Efficiency ratio | 55.2183% | 4,011 |
| Assets per employee ($millions) | 5.5524% | 2,662 |
| Cash dividends to net income (ytd only)* | 75.5468% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 1,775 |
| Loan loss allowance to noncurrent loans | 320.8099% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 3,040 |
| Noncurrent loans to loans | 0.4335% | 2,757 |
| Net loans and leases to total assets | 63.8964% | 2,782 |
| Net loans and leases to deposits | 79.2160% | 2,401 |
| Net loans and leases to core deposits | 85.7863% | 2,318 |
| Total domestic deposits to total assets | 80.6609% | 3,740 |
| Equity capital to assets | 12.7445% | 1,309 |
| Core capital (leverage) ratio | 12.2402% | 1,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2125% | 880 |
| Memoranda: | ||
| Average total assets | $294,263,000 | 2,304 |
| Average earning assets | $275,418,500 | 2,295 |
| Average equity | $38,762,750 | 2,054 |
| Average total loans | $196,537,000 | 2,264 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5387% | 1,806 |
| Cost of funding earning assets | 0.7259% | 2,262 |
| Net interest margin | 3.8128% | 1,803 |
| Noninterest income to average assets | 0.6261% | 2,030 |
| Noninterest expense to average assets | 2.3217% | 3,466 |
| Loan and lease loss provision to assets | 0.0837% | 3,235 |
| Net operating income to assets | 1.4922% | 937 |
| Return on assets (ROA) | 1.5039% | 990 |
| Pretax return on assets | 1.7981% | 820 |
| Return on Equity (ROE) | 11.2818% | 1,548 |
| Retained earnings to average equity (ytd only) | -1.7260% | 4,560 |
| Net charge-offs to loans | 0.0279% | 2,160 |
| Credit loss provision to net charge-offs | 444.4444% | 1,314 |
| Earnings coverage of net charge-offs (x) | 99.2222% | 704 |
| Efficiency ratio | 55.4169% | 4,015 |
| Assets per employee ($millions) | 5.5812% | 2,564 |
| Cash dividends to net income (ytd only)* | 115.2990% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 1,834 |
| Loan loss allowance to noncurrent loans | 451.8822% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 3,487 |
| Noncurrent loans to loans | 0.2961% | 3,323 |
| Net loans and leases to total assets | 66.3322% | 2,579 |
| Net loans and leases to deposits | 82.5735% | 2,144 |
| Net loans and leases to core deposits | 89.3826% | 2,121 |
| Total domestic deposits to total assets | 80.3311% | 3,767 |
| Equity capital to assets | 12.7216% | 1,269 |
| Core capital (leverage) ratio | 12.3614% | 1,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3498% | 864 |
| Memoranda: | ||
| Average total assets | $286,854,333 | 2,330 |
| Average earning assets | $268,094,000 | 2,311 |
| Average equity | $38,238,667 | 2,068 |
| Average total loans | $193,690,333 | 2,268 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7244% | 1,635 |
| Cost of funding earning assets | 0.8130% | 2,308 |
| Net interest margin | 3.9114% | 1,633 |
| Noninterest income to average assets | 0.6864% | 1,694 |
| Noninterest expense to average assets | 2.3945% | 3,548 |
| Loan and lease loss provision to assets | 0.0867% | 2,606 |
| Net operating income to assets | 1.5424% | 708 |
| Return on assets (ROA) | 1.5448% | 775 |
| Pretax return on assets | 1.8512% | 627 |
| Return on Equity (ROE) | 11.3025% | 1,327 |
| Retained earnings to average equity (ytd only) | -14.9924% | 4,896 |
| Net charge-offs to loans | 0.0021% | 2,517 |
| Credit loss provision to net charge-offs | 6,000.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 1,339.0000% | 36 |
| Efficiency ratio | 55.3071% | 4,281 |
| Assets per employee ($millions) | 5.0130% | 2,632 |
| Cash dividends to net income (ytd only)* | 232.6473% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4213% | 1,623 |
| Loan loss allowance to noncurrent loans | 457.5503% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.2212% | 3,586 |
| Noncurrent loans to loans | 0.3106% | 3,383 |
| Net loans and leases to total assets | 67.3727% | 2,638 |
| Net loans and leases to deposits | 83.8828% | 2,249 |
| Net loans and leases to core deposits | 91.2884% | 2,224 |
| Total domestic deposits to total assets | 80.3176% | 3,796 |
| Equity capital to assets | 13.3246% | 1,295 |
| Core capital (leverage) ratio | 12.9439% | 1,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1525% | 961 |
| Memoranda: | ||
| Average total assets | $276,798,000 | 2,346 |
| Average earning assets | $257,809,500 | 2,334 |
| Average equity | $37,832,500 | 2,077 |
| Average total loans | $187,346,000 | 2,284 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9037% | 1,739 |
| Cost of funding earning assets | 0.9181% | 2,124 |
| Net interest margin | 3.9856% | 1,895 |
| Noninterest income to average assets | 0.7400% | 1,661 |
| Noninterest expense to average assets | 2.4817% | 3,500 |
| Loan and lease loss provision to assets | 0.0828% | 2,354 |
| Net operating income to assets | 1.6089% | 822 |
| Return on assets (ROA) | 1.6364% | 807 |
| Pretax return on assets | 1.9182% | 717 |
| Return on Equity (ROE) | 11.7953% | 1,585 |
| Retained earnings to average equity (ytd only) | 7.5978% | 1,122 |
| Net charge-offs to loans | 0.0885% | 1,852 |
| Credit loss provision to net charge-offs | 134.9693% | 1,899 |
| Earnings coverage of net charge-offs (x) | 32.1043% | 1,515 |
| Efficiency ratio | 55.7650% | 4,237 |
| Assets per employee ($millions) | 4.8726% | 2,749 |
| Cash dividends to net income (ytd only)* | 35.5862% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 1,339 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2536% | 3,419 |
| Noncurrent loans to loans | 0.3648% | 3,143 |
| Net loans and leases to total assets | 66.0257% | 2,950 |
| Net loans and leases to deposits | 81.9496% | 2,564 |
| Net loans and leases to core deposits | 90.1532% | 2,410 |
| Total domestic deposits to total assets | 80.5686% | 3,863 |
| Equity capital to assets | 14.0211% | 1,086 |
| Core capital (leverage) ratio | 13.8028% | 980 |
| Tier 1 risk-based capital ratio | 19.3603% | 1,444 |
| Total risk-based capital ratio | 20.6114% | 1,410 |
| Memoranda: | ||
| Average total assets | $265,821,000 | 2,354 |
| Average earning assets | $247,464,000 | 2,353 |
| Average equity | $36,879,000 | 2,054 |
| Average total loans | $184,218,800 | 2,276 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 1,715 |
| Cost of funding earning assets | 0.9198% | 2,140 |
| Net interest margin | 4.0160% | 1,885 |
| Noninterest income to average assets | 0.7352% | 1,642 |
| Noninterest expense to average assets | 2.4989% | 3,440 |
| Loan and lease loss provision to assets | 0.0833% | 2,243 |
| Net operating income to assets | 1.6398% | 845 |
| Return on assets (ROA) | 1.6486% | 873 |
| Pretax return on assets | 1.9021% | 863 |
| Return on Equity (ROE) | 11.9155% | 1,648 |
| Retained earnings to average equity (ytd only) | 11.9046% | 393 |
| Net charge-offs to loans | 0.1026% | 1,444 |
| Credit loss provision to net charge-offs | 116.1972% | 2,009 |
| Earnings coverage of net charge-offs (x) | 27.5491% | 1,713 |
| Efficiency ratio | 55.8515% | 4,182 |
| Assets per employee ($millions) | 4.7688% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0919% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 1,514 |
| Loan loss allowance to noncurrent loans | 387.3529% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 3,550 |
| Noncurrent loans to loans | 0.3652% | 3,241 |
| Net loans and leases to total assets | 68.7302% | 2,667 |
| Net loans and leases to deposits | 87.6914% | 1,978 |
| Net loans and leases to core deposits | 97.6724% | 1,848 |
| Total domestic deposits to total assets | 78.3773% | 4,293 |
| Equity capital to assets | 14.5387% | 971 |
| Core capital (leverage) ratio | 14.1890% | 936 |
| Tier 1 risk-based capital ratio | 19.5185% | 1,457 |
| Total risk-based capital ratio | 20.7697% | 1,425 |
| Memoranda: | ||
| Average total assets | $264,059,250 | 2,385 |
| Average earning assets | $245,846,500 | 2,377 |
| Average equity | $36,534,000 | 2,083 |
| Average total loans | $184,565,750 | 2,296 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 1,758 |
| Cost of funding earning assets | 0.9079% | 2,102 |
| Net interest margin | 3.9907% | 1,954 |
| Noninterest income to average assets | 0.7268% | 1,615 |
| Noninterest expense to average assets | 2.5165% | 3,422 |
| Loan and lease loss provision to assets | 0.0760% | 2,294 |
| Net operating income to assets | 1.6411% | 830 |
| Return on assets (ROA) | 1.6506% | 842 |
| Pretax return on assets | 1.8612% | 912 |
| Return on Equity (ROE) | 12.1387% | 1,525 |
| Retained earnings to average equity (ytd only) | 12.1219% | 394 |
| Net charge-offs to loans | 0.0761% | 1,607 |
| Credit loss provision to net charge-offs | 142.8571% | 1,545 |
| Earnings coverage of net charge-offs (x) | 36.2000% | 1,308 |
| Efficiency ratio | 56.6393% | 4,173 |
| Assets per employee ($millions) | 4.7937% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.1382% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 1,605 |
| Loan loss allowance to noncurrent loans | 270.0409% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.3709% | 3,031 |
| Noncurrent loans to loans | 0.5192% | 2,723 |
| Net loans and leases to total assets | 70.4425% | 2,466 |
| Net loans and leases to deposits | 89.5212% | 1,794 |
| Net loans and leases to core deposits | 99.8012% | 1,742 |
| Total domestic deposits to total assets | 78.6881% | 4,279 |
| Equity capital to assets | 14.2318% | 1,038 |
| Core capital (leverage) ratio | 14.0986% | 939 |
| Tier 1 risk-based capital ratio | 18.1969% | 1,750 |
| Total risk-based capital ratio | 19.4474% | 1,709 |
| Memoranda: | ||
| Average total assets | $263,061,330 | 2,398 |
| Average earning assets | $244,972,000 | 2,389 |
| Average equity | $35,770,000 | 2,107 |
| Average total loans | $184,027,670 | 2,307 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8370% | 1,801 |
| Cost of funding earning assets | 0.7478% | 2,799 |
| Net interest margin | 4.0892% | 1,577 |
| Noninterest income to average assets | 0.6881% | 1,653 |
| Noninterest expense to average assets | 2.4920% | 3,532 |
| Loan and lease loss provision to assets | 0.0609% | 2,440 |
| Net operating income to assets | 1.6194% | 857 |
| Return on assets (ROA) | 1.6258% | 879 |
| Pretax return on assets | 1.9470% | 708 |
| Return on Equity (ROE) | 12.2430% | 1,455 |
| Retained earnings to average equity (ytd only) | 12.2086% | 576 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4727% | 4,396 |
| Assets per employee ($millions) | 4.7049% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.2809% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4531% | 1,500 |
| Loan loss allowance to noncurrent loans | 283.8330% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3689% | 3,121 |
| Noncurrent loans to loans | 0.5119% | 2,781 |
| Net loans and leases to total assets | 68.2381% | 2,725 |
| Net loans and leases to deposits | 85.2530% | 2,222 |
| Net loans and leases to core deposits | 94.2059% | 2,106 |
| Total domestic deposits to total assets | 80.0418% | 4,171 |
| Equity capital to assets | 13.5424% | 1,192 |
| Core capital (leverage) ratio | 13.6186% | 1,051 |
| Tier 1 risk-based capital ratio | 17.8498% | 1,832 |
| Total risk-based capital ratio | 19.1009% | 1,792 |
| Memoranda: | ||
| Average total assets | $262,764,000 | 2,422 |
| Average earning assets | $244,450,500 | 2,419 |
| Average equity | $34,893,500 | 2,146 |
| Average total loans | $181,858,000 | 2,350 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8305% | 1,467 |
| Cost of funding earning assets | 0.6249% | 2,551 |
| Net interest margin | 4.2056% | 1,377 |
| Noninterest income to average assets | 0.7107% | 1,812 |
| Noninterest expense to average assets | 2.4696% | 3,696 |
| Loan and lease loss provision to assets | 0.0790% | 2,548 |
| Net operating income to assets | 1.7290% | 643 |
| Return on assets (ROA) | 1.7254% | 649 |
| Pretax return on assets | 2.0586% | 486 |
| Return on Equity (ROE) | 13.1880% | 1,276 |
| Retained earnings to average equity (ytd only) | 7.7317% | 1,359 |
| Net charge-offs to loans | 0.0345% | 2,711 |
| Credit loss provision to net charge-offs | 333.3333% | 932 |
| Earnings coverage of net charge-offs (x) | 90.4167% | 790 |
| Efficiency ratio | 53.5531% | 4,655 |
| Assets per employee ($millions) | 4.7646% | 2,791 |
| Cash dividends to net income (ytd only)* | 41.3730% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 1,483 |
| Loan loss allowance to noncurrent loans | 974.2537% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 4,241 |
| Noncurrent loans to loans | 0.1478% | 4,080 |
| Net loans and leases to total assets | 68.1785% | 2,860 |
| Net loans and leases to deposits | 86.6127% | 2,201 |
| Net loans and leases to core deposits | 94.2718% | 2,207 |
| Total domestic deposits to total assets | 78.7164% | 4,364 |
| Equity capital to assets | 13.0150% | 1,340 |
| Core capital (leverage) ratio | 13.4251% | 1,097 |
| Tier 1 risk-based capital ratio | 17.3544% | 1,934 |
| Total risk-based capital ratio | 18.6050% | 1,893 |
| Memoranda: | ||
| Average total assets | $253,279,600 | 2,448 |
| Average earning assets | $234,922,200 | 2,450 |
| Average equity | $33,136,200 | 2,149 |
| Average total loans | $173,866,600 | 2,396 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7882% | 1,457 |
| Cost of funding earning assets | 0.5972% | 2,490 |
| Net interest margin | 4.1910% | 1,379 |
| Noninterest income to average assets | 0.7264% | 1,767 |
| Noninterest expense to average assets | 2.4687% | 3,681 |
| Loan and lease loss provision to assets | 0.0637% | 2,700 |
| Net operating income to assets | 1.7486% | 666 |
| Return on assets (ROA) | 1.7460% | 677 |
| Pretax return on assets | 2.0773% | 512 |
| Return on Equity (ROE) | 13.3274% | 1,317 |
| Retained earnings to average equity (ytd only) | 11.6656% | 529 |
| Net charge-offs to loans | 0.0279% | 2,545 |
| Credit loss provision to net charge-offs | 333.3333% | 939 |
| Earnings coverage of net charge-offs (x) | 112.1640% | 688 |
| Efficiency ratio | 53.5167% | 4,652 |
| Assets per employee ($millions) | 4.8044% | 2,715 |
| Cash dividends to net income (ytd only)* | 12.4695% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 1,524 |
| Loan loss allowance to noncurrent loans | 1,878.6765% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 4,480 |
| Noncurrent loans to loans | 0.0772% | 4,531 |
| Net loans and leases to total assets | 68.2039% | 2,901 |
| Net loans and leases to deposits | 86.8676% | 2,275 |
| Net loans and leases to core deposits | 95.5155% | 2,161 |
| Total domestic deposits to total assets | 78.5147% | 4,404 |
| Equity capital to assets | 13.2335% | 1,240 |
| Core capital (leverage) ratio | 13.8259% | 988 |
| Tier 1 risk-based capital ratio | 18.0512% | 1,777 |
| Total risk-based capital ratio | 19.3021% | 1,733 |
| Memoranda: | ||
| Average total assets | $251,086,500 | 2,479 |
| Average earning assets | $232,843,250 | 2,478 |
| Average equity | $32,893,750 | 2,166 |
| Average total loans | $172,014,750 | 2,432 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7213% | 1,453 |
| Cost of funding earning assets | 0.5501% | 2,605 |
| Net interest margin | 4.1711% | 1,348 |
| Noninterest income to average assets | 0.7083% | 1,842 |
| Noninterest expense to average assets | 2.4297% | 3,825 |
| Loan and lease loss provision to assets | 0.0480% | 2,950 |
| Net operating income to assets | 1.7579% | 639 |
| Return on assets (ROA) | 1.7559% | 645 |
| Pretax return on assets | 2.0936% | 497 |
| Return on Equity (ROE) | 13.4494% | 1,226 |
| Retained earnings to average equity (ytd only) | 13.4310% | 325 |
| Net charge-offs to loans | 0.0117% | 2,739 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 267.9000% | 338 |
| Efficiency ratio | 53.1234% | 4,770 |
| Assets per employee ($millions) | 4.7588% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.1367% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 1,544 |
| Loan loss allowance to noncurrent loans | 606.0096% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 4,014 |
| Noncurrent loans to loans | 0.2397% | 3,843 |
| Net loans and leases to total assets | 67.8144% | 2,896 |
| Net loans and leases to deposits | 87.7073% | 2,144 |
| Net loans and leases to core deposits | 98.4765% | 1,858 |
| Total domestic deposits to total assets | 77.3190% | 4,690 |
| Equity capital to assets | 13.2474% | 1,210 |
| Core capital (leverage) ratio | 13.6836% | 998 |
| Tier 1 risk-based capital ratio | 17.8729% | 1,834 |
| Total risk-based capital ratio | 19.1237% | 1,797 |
| Memoranda: | ||
| Average total assets | $249,903,670 | 2,502 |
| Average earning assets | $231,591,000 | 2,498 |
| Average equity | $32,626,000 | 2,189 |
| Average total loans | $170,611,000 | 2,458 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6347% | 1,477 |
| Cost of funding earning assets | 0.4901% | 2,868 |
| Net interest margin | 4.1446% | 1,318 |
| Noninterest income to average assets | 0.7140% | 1,768 |
| Noninterest expense to average assets | 2.4394% | 3,838 |
| Loan and lease loss provision to assets | 0.0482% | 2,813 |
| Net operating income to assets | 1.7311% | 644 |
| Return on assets (ROA) | 1.7270% | 658 |
| Pretax return on assets | 2.0567% | 516 |
| Return on Equity (ROE) | 13.3280% | 1,174 |
| Retained earnings to average equity (ytd only) | 13.3280% | 474 |
| Net charge-offs to loans | 0.0284% | 1,927 |
| Credit loss provision to net charge-offs | 250.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 109.3333% | 572 |
| Efficiency ratio | 53.6232% | 4,834 |
| Assets per employee ($millions) | 4.8059% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 1,652 |
| Loan loss allowance to noncurrent loans | 1,226.1084% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.1208% | 4,494 |
| Noncurrent loans to loans | 0.1183% | 4,435 |
| Net loans and leases to total assets | 67.6485% | 2,806 |
| Net loans and leases to deposits | 84.2070% | 2,367 |
| Net loans and leases to core deposits | 95.2445% | 2,037 |
| Total domestic deposits to total assets | 80.3360% | 4,355 |
| Equity capital to assets | 12.9448% | 1,275 |
| Core capital (leverage) ratio | 13.4327% | 1,028 |
| Tier 1 risk-based capital ratio | 17.4521% | 1,989 |
| Total risk-based capital ratio | 18.7026% | 1,944 |
| Memoranda: | ||
| Average total assets | $248,748,000 | 2,526 |
| Average earning assets | $230,179,000 | 2,532 |
| Average equity | $32,233,000 | 2,223 |
| Average total loans | $169,137,000 | 2,486 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5963% | 1,442 |
| Cost of funding earning assets | 0.4121% | 3,136 |
| Net interest margin | 4.1842% | 1,222 |
| Noninterest income to average assets | 0.6954% | 1,984 |
| Noninterest expense to average assets | 2.4193% | 4,021 |
| Loan and lease loss provision to assets | 0.0554% | 3,123 |
| Net operating income to assets | 1.4326% | 941 |
| Return on assets (ROA) | 1.4211% | 992 |
| Pretax return on assets | 2.0779% | 408 |
| Return on Equity (ROE) | 10.9588% | 1,503 |
| Retained earnings to average equity (ytd only) | 6.0932% | 1,488 |
| Net charge-offs to loans | 0.0604% | 2,608 |
| Credit loss provision to net charge-offs | 137.7551% | 1,919 |
| Earnings coverage of net charge-offs (x) | 53.4796% | 1,042 |
| Efficiency ratio | 52.9449% | 5,042 |
| Assets per employee ($millions) | 4.7613% | 2,785 |
| Cash dividends to net income (ytd only)* | 44.3995% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 1,469 |
| Loan loss allowance to noncurrent loans | 1,247.9798% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 4,520 |
| Noncurrent loans to loans | 0.1188% | 4,447 |
| Net loans and leases to total assets | 66.3421% | 3,050 |
| Net loans and leases to deposits | 84.8780% | 2,389 |
| Net loans and leases to core deposits | 91.8513% | 2,388 |
| Total domestic deposits to total assets | 78.1617% | 4,692 |
| Equity capital to assets | 12.9715% | 1,278 |
| Core capital (leverage) ratio | 12.8501% | 1,198 |
| Tier 1 risk-based capital ratio | 16.9797% | 2,106 |
| Total risk-based capital ratio | 18.2305% | 2,048 |
| Memoranda: | ||
| Average total assets | $243,751,400 | 2,537 |
| Average earning assets | $225,680,600 | 2,542 |
| Average equity | $31,609,200 | 2,245 |
| Average total loans | $162,271,000 | 2,517 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5506% | 1,502 |
| Cost of funding earning assets | 0.3943% | 3,258 |
| Net interest margin | 4.1562% | 1,264 |
| Noninterest income to average assets | 0.7106% | 1,954 |
| Noninterest expense to average assets | 2.3916% | 4,038 |
| Loan and lease loss provision to assets | 0.0577% | 2,931 |
| Net operating income to assets | 1.5584% | 789 |
| Return on assets (ROA) | 1.5596% | 804 |
| Pretax return on assets | 2.1181% | 435 |
| Return on Equity (ROE) | 12.0275% | 1,332 |
| Retained earnings to average equity (ytd only) | 10.1133% | 559 |
| Net charge-offs to loans | 0.0621% | 2,228 |
| Credit loss provision to net charge-offs | 140.0000% | 1,776 |
| Earnings coverage of net charge-offs (x) | 52.7853% | 1,081 |
| Efficiency ratio | 52.3815% | 5,069 |
| Assets per employee ($millions) | 4.7536% | 2,758 |
| Cash dividends to net income (ytd only)* | 15.9155% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 1,619 |
| Loan loss allowance to noncurrent loans | 915.9851% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 4,487 |
| Noncurrent loans to loans | 0.1611% | 4,416 |
| Net loans and leases to total assets | 66.5491% | 3,036 |
| Net loans and leases to deposits | 89.9911% | 1,808 |
| Net loans and leases to core deposits | 101.1076% | 1,614 |
| Total domestic deposits to total assets | 73.9507% | 5,240 |
| Equity capital to assets | 13.2959% | 1,254 |
| Core capital (leverage) ratio | 13.3601% | 1,079 |
| Tier 1 risk-based capital ratio | 17.7009% | 1,945 |
| Total risk-based capital ratio | 18.9523% | 1,882 |
| Memoranda: | ||
| Average total assets | $242,792,250 | 2,560 |
| Average earning assets | $225,197,500 | 2,566 |
| Average equity | $31,482,500 | 2,266 |
| Average total loans | $161,157,250 | 2,550 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5222% | 1,461 |
| Cost of funding earning assets | 0.3692% | 3,390 |
| Net interest margin | 4.1531% | 1,195 |
| Noninterest income to average assets | 0.7392% | 1,816 |
| Noninterest expense to average assets | 2.4059% | 4,036 |
| Loan and lease loss provision to assets | 0.0580% | 2,815 |
| Net operating income to assets | 1.5659% | 759 |
| Return on assets (ROA) | 1.5672% | 780 |
| Pretax return on assets | 2.1274% | 422 |
| Return on Equity (ROE) | 12.1916% | 1,239 |
| Retained earnings to average equity (ytd only) | 11.9982% | 322 |
| Net charge-offs to loans | 0.1043% | 1,587 |
| Credit loss provision to net charge-offs | 84.3373% | 2,213 |
| Earnings coverage of net charge-offs (x) | 31.7470% | 1,425 |
| Efficiency ratio | 52.4196% | 5,143 |
| Assets per employee ($millions) | 4.6775% | 2,825 |
| Cash dividends to net income (ytd only)* | 1.5865% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 1,578 |
| Loan loss allowance to noncurrent loans | 659.6730% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 3,776 |
| Noncurrent loans to loans | 0.2275% | 4,216 |
| Net loans and leases to total assets | 65.3183% | 3,207 |
| Net loans and leases to deposits | 85.6511% | 2,266 |
| Net loans and leases to core deposits | 94.2314% | 2,132 |
| Total domestic deposits to total assets | 76.2609% | 5,061 |
| Equity capital to assets | 13.3247% | 1,215 |
| Core capital (leverage) ratio | 13.2458% | 1,079 |
| Tier 1 risk-based capital ratio | 17.8435% | 1,905 |
| Total risk-based capital ratio | 19.0945% | 1,857 |
| Memoranda: | ||
| Average total assets | $241,326,670 | 2,585 |
| Average earning assets | $223,738,330 | 2,591 |
| Average equity | $31,021,330 | 2,299 |
| Average total loans | $159,221,000 | 2,574 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4329% | 1,549 |
| Cost of funding earning assets | 0.3458% | 3,577 |
| Net interest margin | 4.0871% | 1,246 |
| Noninterest income to average assets | 0.6823% | 2,033 |
| Noninterest expense to average assets | 2.4162% | 4,073 |
| Loan and lease loss provision to assets | 0.0499% | 2,811 |
| Net operating income to assets | 1.4943% | 816 |
| Return on assets (ROA) | 1.4943% | 842 |
| Pretax return on assets | 2.0119% | 493 |
| Return on Equity (ROE) | 11.8442% | 1,290 |
| Retained earnings to average equity (ytd only) | 11.5013% | 534 |
| Net charge-offs to loans | 0.0986% | 1,381 |
| Credit loss provision to net charge-offs | 76.9231% | 1,773 |
| Earnings coverage of net charge-offs (x) | 31.7692% | 1,182 |
| Efficiency ratio | 53.9576% | 5,128 |
| Assets per employee ($millions) | 4.6282% | 2,961 |
| Cash dividends to net income (ytd only)* | 2.8953% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 1,575 |
| Loan loss allowance to noncurrent loans | 827.6451% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 4,429 |
| Noncurrent loans to loans | 0.1851% | 4,461 |
| Net loans and leases to total assets | 64.7665% | 3,156 |
| Net loans and leases to deposits | 81.8943% | 2,526 |
| Net loans and leases to core deposits | 85.8472% | 2,730 |
| Total domestic deposits to total assets | 79.0855% | 4,807 |
| Equity capital to assets | 12.8319% | 1,336 |
| Core capital (leverage) ratio | 12.9737% | 1,154 |
| Tier 1 risk-based capital ratio | 17.7815% | 1,946 |
| Total risk-based capital ratio | 19.0335% | 1,894 |
| Memoranda: | ||
| Average total assets | $240,374,000 | 2,610 |
| Average earning assets | $223,238,000 | 2,617 |
| Average equity | $30,327,000 | 2,353 |
| Average total loans | $158,183,500 | 2,601 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5167% | 1,492 |
| Cost of funding earning assets | 0.3457% | 3,570 |
| Net interest margin | 4.1709% | 1,183 |
| Noninterest income to average assets | 0.6872% | 2,232 |
| Noninterest expense to average assets | 2.4475% | 4,173 |
| Loan and lease loss provision to assets | 0.0509% | 3,369 |
| Net operating income to assets | 1.5256% | 789 |
| Return on assets (ROA) | 1.5287% | 811 |
| Pretax return on assets | 2.0670% | 431 |
| Return on Equity (ROE) | 12.1840% | 1,193 |
| Retained earnings to average equity (ytd only) | 8.9690% | 598 |
| Net charge-offs to loans | 0.0426% | 3,184 |
| Credit loss provision to net charge-offs | 181.8182% | 1,542 |
| Earnings coverage of net charge-offs (x) | 75.5000% | 746 |
| Efficiency ratio | 53.6594% | 5,267 |
| Assets per employee ($millions) | 4.5298% | 3,077 |
| Cash dividends to net income (ytd only)* | 26.3873% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 1,537 |
| Loan loss allowance to noncurrent loans | 527.9826% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 4,555 |
| Noncurrent loans to loans | 0.2916% | 4,106 |
| Net loans and leases to total assets | 64.8266% | 3,242 |
| Net loans and leases to deposits | 82.2593% | 2,637 |
| Net loans and leases to core deposits | 85.9541% | 2,854 |
| Total domestic deposits to total assets | 78.8077% | 4,836 |
| Equity capital to assets | 12.4008% | 1,576 |
| Core capital (leverage) ratio | 12.6679% | 1,262 |
| Tier 1 risk-based capital ratio | 17.5845% | 1,980 |
| Total risk-based capital ratio | 18.8368% | 1,940 |
| Memoranda: | ||
| Average total assets | $235,752,600 | 2,612 |
| Average earning assets | $218,967,200 | 2,612 |
| Average equity | $29,579,800 | 2,382 |
| Average total loans | $154,916,200 | 2,581 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5130% | 1,492 |
| Cost of funding earning assets | 0.3448% | 3,596 |
| Net interest margin | 4.1681% | 1,207 |
| Noninterest income to average assets | 0.6772% | 2,275 |
| Noninterest expense to average assets | 2.4255% | 4,207 |
| Loan and lease loss provision to assets | 0.0511% | 3,223 |
| Net operating income to assets | 1.5327% | 823 |
| Return on assets (ROA) | 1.5369% | 858 |
| Pretax return on assets | 2.0795% | 484 |
| Return on Equity (ROE) | 12.2126% | 1,261 |
| Retained earnings to average equity (ytd only) | 11.9913% | 307 |
| Net charge-offs to loans | 0.0424% | 2,795 |
| Credit loss provision to net charge-offs | 183.6735% | 1,530 |
| Earnings coverage of net charge-offs (x) | 76.3285% | 814 |
| Efficiency ratio | 53.3025% | 5,284 |
| Assets per employee ($millions) | 4.7103% | 2,727 |
| Cash dividends to net income (ytd only)* | 1.8114% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 1,656 |
| Loan loss allowance to noncurrent loans | 709.9707% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 4,542 |
| Noncurrent loans to loans | 0.2155% | 4,497 |
| Net loans and leases to total assets | 64.8577% | 3,289 |
| Net loans and leases to deposits | 85.7870% | 2,286 |
| Net loans and leases to core deposits | 90.1888% | 2,561 |
| Total domestic deposits to total assets | 75.6031% | 5,275 |
| Equity capital to assets | 12.8847% | 1,555 |
| Core capital (leverage) ratio | 12.6279% | 1,348 |
| Tier 1 risk-based capital ratio | 17.5731% | 2,050 |
| Total risk-based capital ratio | 18.8251% | 2,012 |
| Memoranda: | ||
| Average total assets | $234,670,250 | 2,635 |
| Average earning assets | $218,062,750 | 2,625 |
| Average equity | $29,531,750 | 2,399 |
| Average total loans | $154,127,500 | 2,590 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5099% | 1,481 |
| Cost of funding earning assets | 0.3363% | 3,738 |
| Net interest margin | 4.1737% | 1,175 |
| Noninterest income to average assets | 0.6632% | 2,314 |
| Noninterest expense to average assets | 2.4156% | 4,287 |
| Loan and lease loss provision to assets | 0.0515% | 3,117 |
| Net operating income to assets | 1.5345% | 839 |
| Return on assets (ROA) | 1.5377% | 877 |
| Pretax return on assets | 2.0814% | 485 |
| Return on Equity (ROE) | 12.3200% | 1,207 |
| Retained earnings to average equity (ytd only) | 12.1549% | 303 |
| Net charge-offs to loans | 0.0380% | 2,702 |
| Credit loss provision to net charge-offs | 206.8966% | 1,267 |
| Earnings coverage of net charge-offs (x) | 85.4483% | 666 |
| Efficiency ratio | 53.1569% | 5,376 |
| Assets per employee ($millions) | 4.6831% | 2,746 |
| Cash dividends to net income (ytd only)* | 1.3408% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5456% | 1,694 |
| Loan loss allowance to noncurrent loans | 369.7853% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 4,204 |
| Noncurrent loans to loans | 0.4180% | 3,856 |
| Net loans and leases to total assets | 64.3031% | 3,322 |
| Net loans and leases to deposits | 84.3790% | 2,422 |
| Net loans and leases to core deposits | 87.6778% | 2,760 |
| Total domestic deposits to total assets | 76.2075% | 5,259 |
| Equity capital to assets | 12.6920% | 1,666 |
| Core capital (leverage) ratio | 12.4579% | 1,375 |
| Tier 1 risk-based capital ratio | 17.2975% | 2,133 |
| Total risk-based capital ratio | 18.5496% | 2,094 |
| Memoranda: | ||
| Average total assets | $232,819,330 | 2,657 |
| Average earning assets | $216,501,000 | 2,652 |
| Average equity | $29,058,330 | 2,451 |
| Average total loans | $152,762,000 | 2,614 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5358% | 1,408 |
| Cost of funding earning assets | 0.3331% | 3,797 |
| Net interest margin | 4.2027% | 1,093 |
| Noninterest income to average assets | 0.6527% | 2,253 |
| Noninterest expense to average assets | 2.4420% | 4,252 |
| Loan and lease loss provision to assets | 0.0522% | 2,892 |
| Net operating income to assets | 1.5265% | 817 |
| Return on assets (ROA) | 1.5317% | 848 |
| Pretax return on assets | 2.0747% | 488 |
| Return on Equity (ROE) | 12.3809% | 1,192 |
| Retained earnings to average equity (ytd only) | 12.2964% | 460 |
| Net charge-offs to loans | 0.0212% | 2,508 |
| Credit loss provision to net charge-offs | 375.0000% | 738 |
| Earnings coverage of net charge-offs (x) | 152.2500% | 393 |
| Efficiency ratio | 53.5292% | 5,422 |
| Assets per employee ($millions) | 4.5685% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.6818% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 1,637 |
| Loan loss allowance to noncurrent loans | 411.3014% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 4,422 |
| Noncurrent loans to loans | 0.3862% | 4,057 |
| Net loans and leases to total assets | 63.8688% | 3,256 |
| Net loans and leases to deposits | 79.2496% | 2,882 |
| Net loans and leases to core deposits | 82.3840% | 3,099 |
| Total domestic deposits to total assets | 80.5919% | 4,610 |
| Equity capital to assets | 12.4342% | 1,722 |
| Core capital (leverage) ratio | 12.2371% | 1,473 |
| Tier 1 risk-based capital ratio | 17.2429% | 2,195 |
| Total risk-based capital ratio | 18.4957% | 2,165 |
| Memoranda: | ||
| Average total assets | $229,811,000 | 2,693 |
| Average earning assets | $213,765,500 | 2,688 |
| Average equity | $28,431,000 | 2,491 |
| Average total loans | $151,148,000 | 2,633 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5073% | 1,569 |
| Cost of funding earning assets | 0.3331% | 3,872 |
| Net interest margin | 4.1742% | 1,221 |
| Noninterest income to average assets | 0.7172% | 2,118 |
| Noninterest expense to average assets | 2.3832% | 4,553 |
| Loan and lease loss provision to assets | 0.0538% | 3,239 |
| Net operating income to assets | 1.5817% | 738 |
| Return on assets (ROA) | 1.5742% | 768 |
| Pretax return on assets | 2.1601% | 378 |
| Return on Equity (ROE) | 13.1989% | 1,012 |
| Retained earnings to average equity (ytd only) | 10.3818% | 410 |
| Net charge-offs to loans | 0.0266% | 3,700 |
| Credit loss provision to net charge-offs | 307.6923% | 962 |
| Earnings coverage of net charge-offs (x) | 127.3077% | 478 |
| Efficiency ratio | 51.7258% | 5,650 |
| Assets per employee ($millions) | 4.4437% | 3,133 |
| Cash dividends to net income (ytd only)* | 21.3432% | 3,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 1,701 |
| Loan loss allowance to noncurrent loans | 498.9518% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 4,762 |
| Noncurrent loans to loans | 0.3157% | 4,331 |
| Net loans and leases to total assets | 65.6157% | 3,039 |
| Net loans and leases to deposits | 81.2070% | 2,688 |
| Net loans and leases to core deposits | 83.3182% | 3,022 |
| Total domestic deposits to total assets | 80.8006% | 4,546 |
| Equity capital to assets | 12.3070% | 1,736 |
| Core capital (leverage) ratio | 12.1913% | 1,506 |
| Tier 1 risk-based capital ratio | 16.8712% | 2,333 |
| Total risk-based capital ratio | 18.1236% | 2,280 |
| Memoranda: | ||
| Average total assets | $223,226,200 | 2,722 |
| Average earning assets | $208,042,000 | 2,693 |
| Average equity | $26,623,400 | 2,583 |
| Average total loans | $146,416,800 | 2,644 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4965% | 1,602 |
| Cost of funding earning assets | 0.3350% | 3,920 |
| Net interest margin | 4.1615% | 1,249 |
| Noninterest income to average assets | 0.7207% | 2,145 |
| Noninterest expense to average assets | 2.4139% | 4,467 |
| Loan and lease loss provision to assets | 0.0540% | 3,115 |
| Net operating income to assets | 1.5531% | 844 |
| Return on assets (ROA) | 1.5619% | 874 |
| Pretax return on assets | 2.1453% | 463 |
| Return on Equity (ROE) | 13.2030% | 1,082 |
| Retained earnings to average equity (ytd only) | 13.0256% | 274 |
| Net charge-offs to loans | 0.0285% | 3,374 |
| Credit loss provision to net charge-offs | 290.3226% | 991 |
| Earnings coverage of net charge-offs (x) | 117.6840% | 544 |
| Efficiency ratio | 52.4629% | 5,619 |
| Assets per employee ($millions) | 4.4397% | 3,110 |
| Cash dividends to net income (ytd only)* | 1.3437% | 3,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5939% | 1,810 |
| Loan loss allowance to noncurrent loans | 379.7101% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 4,670 |
| Noncurrent loans to loans | 0.4198% | 4,097 |
| Net loans and leases to total assets | 64.2965% | 3,261 |
| Net loans and leases to deposits | 84.1370% | 2,392 |
| Net loans and leases to core deposits | 86.5047% | 2,794 |
| Total domestic deposits to total assets | 76.4188% | 5,427 |
| Equity capital to assets | 12.2049% | 1,958 |
| Core capital (leverage) ratio | 12.1702% | 1,584 |
| Tier 1 risk-based capital ratio | 17.0877% | 2,346 |
| Total risk-based capital ratio | 18.3414% | 2,293 |
| Memoranda: | ||
| Average total assets | $222,376,000 | 2,754 |
| Average earning assets | $207,357,750 | 2,725 |
| Average equity | $26,306,500 | 2,625 |
| Average total loans | $145,250,250 | 2,675 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4823% | 1,591 |
| Cost of funding earning assets | 0.3365% | 3,966 |
| Net interest margin | 4.1458% | 1,234 |
| Noninterest income to average assets | 0.7139% | 2,159 |
| Noninterest expense to average assets | 2.3852% | 4,598 |
| Loan and lease loss provision to assets | 0.0543% | 3,029 |
| Net operating income to assets | 1.5575% | 819 |
| Return on assets (ROA) | 1.5582% | 846 |
| Pretax return on assets | 2.1436% | 457 |
| Return on Equity (ROE) | 13.3160% | 1,051 |
| Retained earnings to average equity (ytd only) | 13.1304% | 298 |
| Net charge-offs to loans | 0.0111% | 3,522 |
| Credit loss provision to net charge-offs | 750.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 303.5000% | 227 |
| Efficiency ratio | 52.0537% | 5,710 |
| Assets per employee ($millions) | 4.3266% | 3,257 |
| Cash dividends to net income (ytd only)* | 1.3937% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 1,861 |
| Loan loss allowance to noncurrent loans | 553.1765% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 5,094 |
| Noncurrent loans to loans | 0.2918% | 4,637 |
| Net loans and leases to total assets | 64.9439% | 3,133 |
| Net loans and leases to deposits | 82.5130% | 2,492 |
| Net loans and leases to core deposits | 84.8337% | 2,901 |
| Total domestic deposits to total assets | 78.7075% | 5,157 |
| Equity capital to assets | 12.0006% | 2,027 |
| Core capital (leverage) ratio | 12.0267% | 1,649 |
| Tier 1 risk-based capital ratio | 17.0858% | 2,374 |
| Total risk-based capital ratio | 18.3394% | 2,316 |
| Memoranda: | ||
| Average total assets | $221,026,000 | 2,783 |
| Average earning assets | $206,231,670 | 2,744 |
| Average equity | $25,863,670 | 2,664 |
| Average total loans | $144,353,000 | 2,696 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 1,597 |
| Cost of funding earning assets | 0.3388% | 3,996 |
| Net interest margin | 4.1158% | 1,240 |
| Noninterest income to average assets | 0.7016% | 2,155 |
| Noninterest expense to average assets | 2.3579% | 4,712 |
| Loan and lease loss provision to assets | 0.0542% | 2,853 |
| Net operating income to assets | 1.5493% | 775 |
| Return on assets (ROA) | 1.5533% | 815 |
| Pretax return on assets | 2.1391% | 445 |
| Return on Equity (ROE) | 13.4452% | 996 |
| Retained earnings to average equity (ytd only) | 13.2887% | 418 |
| Net charge-offs to loans | 0.0251% | 2,664 |
| Credit loss provision to net charge-offs | 333.3333% | 749 |
| Earnings coverage of net charge-offs (x) | 134.4444% | 387 |
| Efficiency ratio | 51.8695% | 5,818 |
| Assets per employee ($millions) | 4.4503% | 3,134 |
| Cash dividends to net income (ytd only)* | 1.1641% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6121% | 2,009 |
| Loan loss allowance to noncurrent loans | 794.5205% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 5,430 |
| Noncurrent loans to loans | 0.2029% | 5,048 |
| Net loans and leases to total assets | 63.6333% | 3,143 |
| Net loans and leases to deposits | 78.2085% | 2,774 |
| Net loans and leases to core deposits | 80.1330% | 3,143 |
| Total domestic deposits to total assets | 81.3637% | 4,718 |
| Equity capital to assets | 11.7151% | 2,280 |
| Core capital (leverage) ratio | 11.5199% | 1,990 |
| Tier 1 risk-based capital ratio | 16.7460% | 2,582 |
| Total risk-based capital ratio | 17.9991% | 2,531 |
| Memoranda: | ||
| Average total assets | $221,211,500 | 2,798 |
| Average earning assets | $206,616,000 | 2,765 |
| Average equity | $25,555,500 | 2,698 |
| Average total loans | $143,703,000 | 2,709 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 1,760 |
| Cost of funding earning assets | 0.3818% | 3,889 |
| Net interest margin | 4.1470% | 1,444 |
| Noninterest income to average assets | 0.7455% | 2,097 |
| Noninterest expense to average assets | 2.4076% | 4,823 |
| Loan and lease loss provision to assets | 0.0546% | 3,460 |
| Net operating income to assets | 1.5456% | 803 |
| Return on assets (ROA) | 1.5479% | 826 |
| Pretax return on assets | 2.1518% | 360 |
| Return on Equity (ROE) | 14.4841% | 852 |
| Retained earnings to average equity (ytd only) | 11.3964% | 342 |
| Net charge-offs to loans | 0.0235% | 4,368 |
| Credit loss provision to net charge-offs | 363.6364% | 719 |
| Earnings coverage of net charge-offs (x) | 146.6970% | 370 |
| Efficiency ratio | 52.2160% | 5,962 |
| Assets per employee ($millions) | 4.3981% | 3,195 |
| Cash dividends to net income (ytd only)* | 21.3173% | 3,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6022% | 2,085 |
| Loan loss allowance to noncurrent loans | 923.2932% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 5,578 |
| Noncurrent loans to loans | 0.1735% | 5,202 |
| Net loans and leases to total assets | 64.2056% | 3,196 |
| Net loans and leases to deposits | 80.6775% | 2,645 |
| Net loans and leases to core deposits | 82.9253% | 3,004 |
| Total domestic deposits to total assets | 79.5831% | 5,125 |
| Equity capital to assets | 11.3880% | 2,521 |
| Core capital (leverage) ratio | 11.2892% | 2,147 |
| Tier 1 risk-based capital ratio | 16.2325% | 2,844 |
| Total risk-based capital ratio | 17.4861% | 2,785 |
| Memoranda: | ||
| Average total assets | $219,722,800 | 2,789 |
| Average earning assets | $204,796,400 | 2,756 |
| Average equity | $23,481,000 | 2,802 |
| Average total loans | $140,343,200 | 2,710 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5183% | 1,807 |
| Cost of funding earning assets | 0.3854% | 3,953 |
| Net interest margin | 4.1329% | 1,480 |
| Noninterest income to average assets | 0.7411% | 2,134 |
| Noninterest expense to average assets | 2.3221% | 5,053 |
| Loan and lease loss provision to assets | 0.0546% | 3,281 |
| Net operating income to assets | 1.5706% | 809 |
| Return on assets (ROA) | 1.5732% | 833 |
| Pretax return on assets | 2.2208% | 352 |
| Return on Equity (ROE) | 14.9668% | 835 |
| Retained earnings to average equity (ytd only) | 14.8744% | 211 |
| Net charge-offs to loans | 0.0363% | 3,761 |
| Credit loss provision to net charge-offs | 236.8421% | 1,103 |
| Earnings coverage of net charge-offs (x) | 98.4910% | 595 |
| Efficiency ratio | 50.5483% | 6,075 |
| Assets per employee ($millions) | 4.4127% | 3,116 |
| Cash dividends to net income (ytd only)* | 0.6172% | 3,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5913% | 2,325 |
| Loan loss allowance to noncurrent loans | 939.4191% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 5,725 |
| Noncurrent loans to loans | 0.1694% | 5,403 |
| Net loans and leases to total assets | 63.4587% | 3,270 |
| Net loans and leases to deposits | 81.6068% | 2,475 |
| Net loans and leases to core deposits | 83.5414% | 2,939 |
| Total domestic deposits to total assets | 77.7615% | 5,574 |
| Equity capital to assets | 11.2176% | 2,742 |
| Core capital (leverage) ratio | 11.2757% | 2,240 |
| Tier 1 risk-based capital ratio | 16.2819% | 2,916 |
| Total risk-based capital ratio | 17.5346% | 2,864 |
| Memoranda: | ||
| Average total assets | $219,677,000 | 2,807 |
| Average earning assets | $204,790,000 | 2,776 |
| Average equity | $23,090,500 | 2,846 |
| Average total loans | $139,556,250 | 2,739 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4914% | 1,856 |
| Cost of funding earning assets | 0.3883% | 4,014 |
| Net interest margin | 4.1031% | 1,502 |
| Noninterest income to average assets | 0.7312% | 2,143 |
| Noninterest expense to average assets | 2.2894% | 5,177 |
| Loan and lease loss provision to assets | 0.0547% | 3,205 |
| Net operating income to assets | 1.5621% | 775 |
| Return on assets (ROA) | 1.5627% | 805 |
| Pretax return on assets | 2.2128% | 352 |
| Return on Equity (ROE) | 15.2103% | 759 |
| Retained earnings to average equity (ytd only) | 15.2103% | 204 |
| Net charge-offs to loans | 0.0404% | 3,424 |
| Credit loss provision to net charge-offs | 214.2857% | 1,105 |
| Earnings coverage of net charge-offs (x) | 88.7857% | 609 |
| Efficiency ratio | 50.2502% | 6,159 |
| Assets per employee ($millions) | 4.4233% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5694% | 2,584 |
| Loan loss allowance to noncurrent loans | 1,282.2857% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 5,937 |
| Noncurrent loans to loans | 0.1224% | 5,651 |
| Net loans and leases to total assets | 63.6343% | 3,137 |
| Net loans and leases to deposits | 81.1446% | 2,366 |
| Net loans and leases to core deposits | 82.8065% | 2,881 |
| Total domestic deposits to total assets | 78.4208% | 5,565 |
| Equity capital to assets | 10.7444% | 3,152 |
| Core capital (leverage) ratio | 10.8231% | 2,601 |
| Tier 1 risk-based capital ratio | 15.7437% | 3,225 |
| Total risk-based capital ratio | 16.9968% | 3,163 |
| Memoranda: | ||
| Average total assets | $219,357,670 | 2,819 |
| Average earning assets | $204,479,670 | 2,790 |
| Average equity | $22,537,330 | 2,892 |
| Average total loans | $138,649,670 | 2,753 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4823% | 1,863 |
| Cost of funding earning assets | 0.3953% | 4,029 |
| Net interest margin | 4.0870% | 1,499 |
| Noninterest income to average assets | 0.7214% | 2,075 |
| Noninterest expense to average assets | 2.2833% | 5,239 |
| Loan and lease loss provision to assets | 0.0549% | 3,019 |
| Net operating income to assets | 1.5465% | 741 |
| Return on assets (ROA) | 1.5491% | 769 |
| Pretax return on assets | 2.1918% | 356 |
| Return on Equity (ROE) | 15.4348% | 716 |
| Retained earnings to average equity (ytd only) | 15.4348% | 302 |
| Net charge-offs to loans | 0.0117% | 3,383 |
| Credit loss provision to net charge-offs | 750.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 306.2500% | 158 |
| Efficiency ratio | 50.4450% | 6,229 |
| Assets per employee ($millions) | 4.5056% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6550% | 2,494 |
| Loan loss allowance to noncurrent loans | 1,113.4328% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 5,899 |
| Noncurrent loans to loans | 0.1486% | 5,642 |
| Net loans and leases to total assets | 59.0327% | 3,695 |
| Net loans and leases to deposits | 71.0671% | 3,467 |
| Net loans and leases to core deposits | 72.6888% | 3,796 |
| Total domestic deposits to total assets | 83.0661% | 4,588 |
| Equity capital to assets | 10.0021% | 3,841 |
| Core capital (leverage) ratio | 10.4758% | 2,962 |
| Tier 1 risk-based capital ratio | 15.9134% | 3,209 |
| Total risk-based capital ratio | 17.1669% | 3,165 |
| Memoranda: | ||
| Average total assets | $218,453,000 | 2,846 |
| Average earning assets | $203,377,000 | 2,817 |
| Average equity | $21,924,500 | 2,944 |
| Average total loans | $136,483,500 | 2,788 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6347% | 1,759 |
| Cost of funding earning assets | 0.4280% | 4,339 |
| Net interest margin | 4.2067% | 1,332 |
| Noninterest income to average assets | 0.7646% | 2,238 |
| Noninterest expense to average assets | 2.4702% | 4,858 |
| Loan and lease loss provision to assets | 0.0567% | 4,012 |
| Net operating income to assets | 1.5478% | 756 |
| Return on assets (ROA) | 1.5585% | 769 |
| Pretax return on assets | 2.1893% | 321 |
| Return on Equity (ROE) | 15.7280% | 654 |
| Retained earnings to average equity (ytd only) | 12.7027% | 259 |
| Net charge-offs to loans | 0.0332% | 4,769 |
| Credit loss provision to net charge-offs | 272.7273% | 831 |
| Earnings coverage of net charge-offs (x) | 107.2273% | 439 |
| Efficiency ratio | 52.5448% | 6,245 |
| Assets per employee ($millions) | 4.0697% | 3,713 |
| Cash dividends to net income (ytd only)* | 19.2354% | 3,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6059% | 2,738 |
| Loan loss allowance to noncurrent loans | 1,043.3962% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 6,014 |
| Noncurrent loans to loans | 0.1539% | 5,734 |
| Net loans and leases to total assets | 64.0414% | 3,040 |
| Net loans and leases to deposits | 78.9030% | 2,600 |
| Net loans and leases to core deposits | 80.6281% | 3,053 |
| Total domestic deposits to total assets | 81.1647% | 5,124 |
| Equity capital to assets | 10.0726% | 3,664 |
| Core capital (leverage) ratio | 10.5039% | 2,917 |
| Tier 1 risk-based capital ratio | 15.3770% | 3,445 |
| Total risk-based capital ratio | 16.5608% | 3,428 |
| Memoranda: | ||
| Average total assets | $211,481,600 | 2,901 |
| Average earning assets | $197,896,400 | 2,852 |
| Average equity | $20,956,200 | 3,049 |
| Average total loans | $132,608,200 | 2,811 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6135% | 1,853 |
| Cost of funding earning assets | 0.4359% | 4,441 |
| Net interest margin | 4.1776% | 1,403 |
| Noninterest income to average assets | 0.7441% | 2,391 |
| Noninterest expense to average assets | 2.4069% | 5,008 |
| Loan and lease loss provision to assets | 0.0568% | 3,916 |
| Net operating income to assets | 1.5653% | 801 |
| Return on assets (ROA) | 1.5783% | 828 |
| Pretax return on assets | 2.2152% | 372 |
| Return on Equity (ROE) | 15.9935% | 651 |
| Retained earnings to average equity (ytd only) | 15.9935% | 160 |
| Net charge-offs to loans | 0.0223% | 4,680 |
| Credit loss provision to net charge-offs | 409.0909% | 652 |
| Earnings coverage of net charge-offs (x) | 162.4688% | 346 |
| Efficiency ratio | 51.6439% | 6,280 |
| Assets per employee ($millions) | 4.0539% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 3,020 |
| Loan loss allowance to noncurrent loans | 1,006.3927% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 6,110 |
| Noncurrent loans to loans | 0.1584% | 5,842 |
| Net loans and leases to total assets | 64.5242% | 2,917 |
| Net loans and leases to deposits | 81.4949% | 2,204 |
| Net loans and leases to core deposits | 83.6849% | 2,681 |
| Total domestic deposits to total assets | 79.1758% | 5,707 |
| Equity capital to assets | 10.1199% | 3,743 |
| Core capital (leverage) ratio | 10.3257% | 3,205 |
| Tier 1 risk-based capital ratio | 15.2246% | 3,605 |
| Total risk-based capital ratio | 16.4095% | 3,611 |
| Memoranda: | ||
| Average total assets | $211,446,000 | 2,926 |
| Average earning assets | $198,226,000 | 2,870 |
| Average equity | $20,866,250 | 3,088 |
| Average total loans | $131,325,500 | 2,850 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5639% | 1,977 |
| Cost of funding earning assets | 0.4390% | 4,557 |
| Net interest margin | 4.1249% | 1,480 |
| Noninterest income to average assets | 0.7087% | 2,596 |
| Noninterest expense to average assets | 2.3689% | 5,144 |
| Loan and lease loss provision to assets | 0.0567% | 3,868 |
| Net operating income to assets | 1.5378% | 836 |
| Return on assets (ROA) | 1.5572% | 878 |
| Pretax return on assets | 2.1818% | 433 |
| Return on Equity (ROE) | 15.9145% | 679 |
| Retained earnings to average equity (ytd only) | 15.9145% | 195 |
| Net charge-offs to loans | 0.0326% | 4,231 |
| Credit loss provision to net charge-offs | 285.7143% | 898 |
| Earnings coverage of net charge-offs (x) | 111.4286% | 430 |
| Efficiency ratio | 51.7227% | 6,298 |
| Assets per employee ($millions) | 4.1695% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6187% | 3,089 |
| Loan loss allowance to noncurrent loans | 945.6522% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 6,146 |
| Noncurrent loans to loans | 0.1712% | 5,889 |
| Net loans and leases to total assets | 62.1665% | 3,261 |
| Net loans and leases to deposits | 75.9858% | 2,879 |
| Net loans and leases to core deposits | 78.7788% | 3,193 |
| Total domestic deposits to total assets | 81.8134% | 5,107 |
| Equity capital to assets | 9.7355% | 4,254 |
| Core capital (leverage) ratio | 9.8267% | 3,762 |
| Tier 1 risk-based capital ratio | 14.8393% | 3,881 |
| Total risk-based capital ratio | 16.0931% | 3,843 |
| Memoranda: | ||
| Average total assets | $211,660,330 | 2,942 |
| Average earning assets | $198,646,000 | 2,884 |
| Average equity | $20,710,670 | 3,127 |
| Average total loans | $129,026,330 | 2,901 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5310% | 2,062 |
| Cost of funding earning assets | 0.4501% | 4,591 |
| Net interest margin | 4.0809% | 1,520 |
| Noninterest income to average assets | 0.6914% | 2,640 |
| Noninterest expense to average assets | 2.4114% | 5,088 |
| Loan and lease loss provision to assets | 0.0568% | 3,688 |
| Net operating income to assets | 1.4699% | 912 |
| Return on assets (ROA) | 1.4699% | 994 |
| Pretax return on assets | 2.0533% | 541 |
| Return on Equity (ROE) | 14.9843% | 771 |
| Retained earnings to average equity (ytd only) | 14.9843% | 354 |
| Net charge-offs to loans | -0.0032% | 5,201 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3305% | 6,271 |
| Assets per employee ($millions) | 4.1945% | 3,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7244% | 2,904 |
| Loan loss allowance to noncurrent loans | 1,152.6596% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 6,327 |
| Noncurrent loans to loans | 0.1496% | 6,020 |
| Net loans and leases to total assets | 57.7313% | 3,809 |
| Net loans and leases to deposits | 67.9219% | 3,781 |
| Net loans and leases to core deposits | 69.3200% | 4,154 |
| Total domestic deposits to total assets | 84.9965% | 4,040 |
| Equity capital to assets | 9.8075% | 4,408 |
| Core capital (leverage) ratio | 9.4520% | 4,161 |
| Tier 1 risk-based capital ratio | 14.9748% | 3,853 |
| Total risk-based capital ratio | 16.1517% | 3,869 |
| Memoranda: | ||
| Average total assets | $211,168,000 | 2,968 |
| Average earning assets | $198,191,500 | 2,918 |
| Average equity | $20,715,000 | 3,176 |
| Average total loans | $126,355,000 | 2,962 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8741% | 1,929 |
| Cost of funding earning assets | 0.6571% | 3,853 |
| Net interest margin | 4.2170% | 1,612 |
| Noninterest income to average assets | 0.7392% | 2,547 |
| Noninterest expense to average assets | 2.4499% | 5,254 |
| Loan and lease loss provision to assets | 0.1555% | 3,668 |
| Net operating income to assets | 1.5431% | 843 |
| Return on assets (ROA) | 1.5502% | 909 |
| Pretax return on assets | 2.0988% | 492 |
| Return on Equity (ROE) | 16.0122% | 659 |
| Retained earnings to average equity (ytd only) | 12.6347% | 276 |
| Net charge-offs to loans | 0.0217% | 5,599 |
| Credit loss provision to net charge-offs | 1,148.1481% | 225 |
| Earnings coverage of net charge-offs (x) | 165.7778% | 252 |
| Efficiency ratio | 52.1846% | 6,451 |
| Assets per employee ($millions) | 4.0866% | 3,775 |
| Cash dividends to net income (ytd only)* | 21.0935% | 3,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6813% | 3,001 |
| Loan loss allowance to noncurrent loans | 1,136.1702% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 6,367 |
| Noncurrent loans to loans | 0.1480% | 6,107 |
| Net loans and leases to total assets | 59.9322% | 3,616 |
| Net loans and leases to deposits | 70.6556% | 3,612 |
| Net loans and leases to core deposits | 72.1510% | 4,026 |
| Total domestic deposits to total assets | 84.8229% | 3,934 |
| Equity capital to assets | 9.8120% | 4,433 |
| Core capital (leverage) ratio | 9.4405% | 4,198 |
| Tier 1 risk-based capital ratio | 14.4609% | 4,060 |
| Total risk-based capital ratio | 15.7142% | 4,009 |
| Memoranda: | ||
| Average total assets | $199,396,000 | 3,051 |
| Average earning assets | $187,027,600 | 3,003 |
| Average equity | $19,304,000 | 3,289 |
| Average total loans | $124,411,000 | 2,994 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9267% | 1,914 |
| Cost of funding earning assets | 0.6948% | 3,819 |
| Net interest margin | 4.2320% | 1,638 |
| Noninterest income to average assets | 0.7561% | 2,445 |
| Noninterest expense to average assets | 2.2799% | 5,742 |
| Loan and lease loss provision to assets | 0.1826% | 3,311 |
| Net operating income to assets | 1.6450% | 769 |
| Return on assets (ROA) | 1.6543% | 835 |
| Pretax return on assets | 2.2819% | 415 |
| Return on Equity (ROE) | 17.1487% | 591 |
| Retained earnings to average equity (ytd only) | 17.1487% | 149 |
| Net charge-offs to loans | 0.0291% | 5,256 |
| Credit loss provision to net charge-offs | 1,000.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 134.2558% | 329 |
| Efficiency ratio | 48.1847% | 6,709 |
| Assets per employee ($millions) | 4.2157% | 3,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6335% | 3,397 |
| Loan loss allowance to noncurrent loans | 1,069.3878% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 6,491 |
| Noncurrent loans to loans | 0.1528% | 6,227 |
| Net loans and leases to total assets | 62.3745% | 3,321 |
| Net loans and leases to deposits | 74.1653% | 3,255 |
| Net loans and leases to core deposits | 75.7936% | 3,755 |
| Total domestic deposits to total assets | 84.1020% | 4,169 |
| Equity capital to assets | 10.1348% | 4,305 |
| Core capital (leverage) ratio | 9.6657% | 4,021 |
| Tier 1 risk-based capital ratio | 14.5173% | 4,173 |
| Total risk-based capital ratio | 15.7705% | 4,141 |
| Memoranda: | ||
| Average total assets | $197,140,250 | 3,114 |
| Average earning assets | $185,188,500 | 3,051 |
| Average equity | $19,017,500 | 3,364 |
| Average total loans | $123,752,250 | 3,037 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9233% | 2,012 |
| Cost of funding earning assets | 0.7200% | 3,852 |
| Net interest margin | 4.2033% | 1,742 |
| Noninterest income to average assets | 0.7431% | 2,453 |
| Noninterest expense to average assets | 2.2487% | 5,875 |
| Loan and lease loss provision to assets | 0.1945% | 3,141 |
| Net operating income to assets | 1.6254% | 797 |
| Return on assets (ROA) | 1.6254% | 886 |
| Pretax return on assets | 2.2497% | 453 |
| Return on Equity (ROE) | 17.1484% | 619 |
| Retained earnings to average equity (ytd only) | 17.1484% | 175 |
| Net charge-offs to loans | 0.0147% | 5,226 |
| Credit loss provision to net charge-offs | 2,111.1111% | 143 |
| Earnings coverage of net charge-offs (x) | 265.3333% | 162 |
| Efficiency ratio | 47.9171% | 6,780 |
| Assets per employee ($millions) | 4.1292% | 3,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6018% | 3,601 |
| Loan loss allowance to noncurrent loans | 997.0588% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 6,538 |
| Noncurrent loans to loans | 0.1606% | 6,263 |
| Net loans and leases to total assets | 63.0428% | 3,222 |
| Net loans and leases to deposits | 76.6342% | 2,896 |
| Net loans and leases to core deposits | 78.5595% | 3,444 |
| Total domestic deposits to total assets | 82.2646% | 5,029 |
| Equity capital to assets | 9.8374% | 4,561 |
| Core capital (leverage) ratio | 9.3462% | 4,379 |
| Tier 1 risk-based capital ratio | 14.0725% | 4,390 |
| Total risk-based capital ratio | 15.3276% | 4,348 |
| Memoranda: | ||
| Average total assets | $195,403,000 | 3,146 |
| Average earning assets | $183,616,670 | 3,077 |
| Average equity | $18,520,670 | 3,423 |
| Average total loans | $122,232,330 | 3,086 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9011% | 2,238 |
| Cost of funding earning assets | 0.7349% | 3,987 |
| Net interest margin | 4.1662% | 1,863 |
| Noninterest income to average assets | 0.7299% | 2,499 |
| Noninterest expense to average assets | 2.2721% | 5,847 |
| Loan and lease loss provision to assets | 0.2062% | 2,890 |
| Net operating income to assets | 1.5546% | 934 |
| Return on assets (ROA) | 1.5546% | 1,046 |
| Pretax return on assets | 2.1670% | 571 |
| Return on Equity (ROE) | 16.7258% | 708 |
| Retained earnings to average equity (ytd only) | 16.7258% | 319 |
| Net charge-offs to loans | 0.0501% | 4,002 |
| Credit loss provision to net charge-offs | 666.6667% | 518 |
| Earnings coverage of net charge-offs (x) | 76.7333% | 439 |
| Efficiency ratio | 48.9126% | 6,744 |
| Assets per employee ($millions) | 4.2254% | 3,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6292% | 3,612 |
| Loan loss allowance to noncurrent loans | 1,479.3893% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 6,631 |
| Noncurrent loans to loans | 0.1101% | 6,481 |
| Net loans and leases to total assets | 57.6968% | 4,086 |
| Net loans and leases to deposits | 68.7583% | 3,917 |
| Net loans and leases to core deposits | 70.1763% | 4,387 |
| Total domestic deposits to total assets | 83.9126% | 4,535 |
| Equity capital to assets | 9.0135% | 5,476 |
| Core capital (leverage) ratio | 9.0885% | 4,702 |
| Tier 1 risk-based capital ratio | 14.1125% | 4,386 |
| Total risk-based capital ratio | 15.3435% | 4,374 |
| Memoranda: | ||
| Average total assets | $194,003,500 | 3,179 |
| Average earning assets | $182,325,500 | 3,120 |
| Average equity | $18,032,000 | 3,499 |
| Average total loans | $119,855,500 | 3,161 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3339% | 1,612 |
| Cost of funding earning assets | 0.8571% | 4,419 |
| Net interest margin | 4.4768% | 1,192 |
| Noninterest income to average assets | 0.7797% | 2,168 |
| Noninterest expense to average assets | 2.5597% | 5,253 |
| Loan and lease loss provision to assets | 0.2587% | 3,623 |
| Net operating income to assets | 1.5389% | 764 |
| Return on assets (ROA) | 1.5512% | 800 |
| Pretax return on assets | 2.2022% | 369 |
| Return on Equity (ROE) | 15.9457% | 612 |
| Retained earnings to average equity (ytd only) | 12.8146% | 243 |
| Net charge-offs to loans | 0.4265% | 3,299 |
| Credit loss provision to net charge-offs | 87.6494% | 4,114 |
| Earnings coverage of net charge-offs (x) | 8.2769% | 2,178 |
| Efficiency ratio | 51.1636% | 6,765 |
| Assets per employee ($millions) | 3.8581% | 4,188 |
| Cash dividends to net income (ytd only)* | 19.6361% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 3,859 |
| Loan loss allowance to noncurrent loans | 712.6923% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 6,348 |
| Noncurrent loans to loans | 0.2153% | 6,308 |
| Net loans and leases to total assets | 64.2049% | 3,139 |
| Net loans and leases to deposits | 77.8026% | 2,874 |
| Net loans and leases to core deposits | 79.5883% | 3,499 |
| Total domestic deposits to total assets | 82.5228% | 4,956 |
| Equity capital to assets | 9.6026% | 4,742 |
| Core capital (leverage) ratio | 9.2880% | 4,349 |
| Tier 1 risk-based capital ratio | 13.9407% | 4,368 |
| Total risk-based capital ratio | 15.1861% | 4,333 |
| Memoranda: | ||
| Average total assets | $170,057,200 | 3,489 |
| Average earning assets | $160,427,200 | 3,394 |
| Average equity | $16,543,600 | 3,644 |
| Average total loans | $117,703,600 | 3,222 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3963% | 1,515 |
| Cost of funding earning assets | 0.8827% | 4,525 |
| Net interest margin | 4.5136% | 1,109 |
| Noninterest income to average assets | 0.8484% | 1,845 |
| Noninterest expense to average assets | 2.5251% | 5,376 |
| Loan and lease loss provision to assets | 0.2566% | 3,451 |
| Net operating income to assets | 1.6398% | 720 |
| Return on assets (ROA) | 1.6398% | 785 |
| Pretax return on assets | 2.3310% | 346 |
| Return on Equity (ROE) | 16.7959% | 591 |
| Retained earnings to average equity (ytd only) | 16.7959% | 152 |
| Net charge-offs to loans | 0.5039% | 2,746 |
| Credit loss provision to net charge-offs | 72.3982% | 4,404 |
| Earnings coverage of net charge-offs (x) | 7.3009% | 2,384 |
| Efficiency ratio | 49.3883% | 6,861 |
| Assets per employee ($millions) | 3.9806% | 3,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 3,981 |
| Loan loss allowance to noncurrent loans | 496.6759% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 6,241 |
| Noncurrent loans to loans | 0.3070% | 6,235 |
| Net loans and leases to total assets | 64.6353% | 3,178 |
| Net loans and leases to deposits | 79.0345% | 2,806 |
| Net loans and leases to core deposits | 82.5161% | 3,252 |
| Total domestic deposits to total assets | 81.7812% | 5,167 |
| Equity capital to assets | 9.8343% | 4,577 |
| Core capital (leverage) ratio | 9.8279% | 3,673 |
| Tier 1 risk-based capital ratio | 14.5218% | 3,959 |
| Total risk-based capital ratio | 15.7743% | 3,937 |
| Memoranda: | ||
| Average total assets | $166,274,000 | 3,571 |
| Average earning assets | $157,092,250 | 3,478 |
| Average equity | $16,233,750 | 3,696 |
| Average total loans | $116,941,000 | 3,262 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4819% | 1,341 |
| Cost of funding earning assets | 0.8993% | 4,678 |
| Net interest margin | 4.5827% | 942 |
| Noninterest income to average assets | 0.8408% | 1,832 |
| Noninterest expense to average assets | 2.5471% | 5,369 |
| Loan and lease loss provision to assets | 0.2469% | 3,436 |
| Net operating income to assets | 1.6655% | 645 |
| Return on assets (ROA) | 1.6655% | 686 |
| Pretax return on assets | 2.3755% | 298 |
| Return on Equity (ROE) | 17.1052% | 540 |
| Retained earnings to average equity (ytd only) | 17.1052% | 164 |
| Net charge-offs to loans | 0.5551% | 2,440 |
| Credit loss provision to net charge-offs | 61.7284% | 4,302 |
| Earnings coverage of net charge-offs (x) | 6.5556% | 2,376 |
| Efficiency ratio | 49.2716% | 6,986 |
| Assets per employee ($millions) | 3.7769% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5239% | 4,019 |
| Loan loss allowance to noncurrent loans | 294.5724% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 6,010 |
| Noncurrent loans to loans | 0.5173% | 5,869 |
| Net loans and leases to total assets | 69.6451% | 2,290 |
| Net loans and leases to deposits | 85.9242% | 1,806 |
| Net loans and leases to core deposits | 90.3816% | 2,323 |
| Total domestic deposits to total assets | 81.0541% | 5,510 |
| Equity capital to assets | 10.0052% | 4,145 |
| Core capital (leverage) ratio | 9.7691% | 3,566 |
| Tier 1 risk-based capital ratio | 14.2981% | 3,940 |
| Total risk-based capital ratio | 15.5515% | 3,912 |
| Memoranda: | ||
| Average total assets | $161,989,330 | 3,653 |
| Average earning assets | $153,011,330 | 3,577 |
| Average equity | $15,773,000 | 3,772 |
| Average total loans | $116,730,330 | 3,303 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4691% | 1,382 |
| Cost of funding earning assets | 0.9239% | 4,752 |
| Net interest margin | 4.5452% | 969 |
| Noninterest income to average assets | 0.7980% | 2,045 |
| Noninterest expense to average assets | 2.5317% | 5,443 |
| Loan and lease loss provision to assets | 0.2252% | 3,409 |
| Net operating income to assets | 1.6286% | 652 |
| Return on assets (ROA) | 1.6286% | 689 |
| Pretax return on assets | 2.3241% | 325 |
| Return on Equity (ROE) | 16.9686% | 574 |
| Retained earnings to average equity (ytd only) | 16.9686% | 280 |
| Net charge-offs to loans | 0.1238% | 3,786 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 28.3056% | 862 |
| Efficiency ratio | 49.8277% | 6,999 |
| Assets per employee ($millions) | 3.8482% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6835% | 3,400 |
| Loan loss allowance to noncurrent loans | 3,227.8689% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 6,797 |
| Noncurrent loans to loans | 0.0522% | 6,919 |
| Net loans and leases to total assets | 69.4944% | 2,222 |
| Net loans and leases to deposits | 85.3323% | 1,830 |
| Net loans and leases to core deposits | 89.9796% | 2,345 |
| Total domestic deposits to total assets | 81.4396% | 5,519 |
| Equity capital to assets | 9.4838% | 4,457 |
| Core capital (leverage) ratio | 9.5592% | 3,714 |
| Tier 1 risk-based capital ratio | 13.7119% | 4,272 |
| Total risk-based capital ratio | 14.9662% | 4,238 |
| Memoranda: | ||
| Average total assets | $159,892,000 | 3,711 |
| Average earning assets | $150,663,500 | 3,626 |
| Average equity | $15,346,000 | 3,837 |
| Average total loans | $116,330,500 | 3,332 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8639% | 1,123 |
| Cost of funding earning assets | 1.1462% | 4,874 |
| Net interest margin | 4.7177% | 787 |
| Noninterest income to average assets | 0.8558% | 2,031 |
| Noninterest expense to average assets | 2.9158% | 4,161 |
| Loan and lease loss provision to assets | 0.2095% | 5,155 |
| Net operating income to assets | 1.5095% | 747 |
| Return on assets (ROA) | 1.5115% | 804 |
| Pretax return on assets | 2.1401% | 363 |
| Return on Equity (ROE) | 15.5931% | 631 |
| Retained earnings to average equity (ytd only) | 12.5080% | 240 |
| Net charge-offs to loans | 0.1877% | 5,176 |
| Credit loss provision to net charge-offs | 147.1429% | 2,491 |
| Earnings coverage of net charge-offs (x) | 16.4810% | 1,207 |
| Efficiency ratio | 55.4052% | 6,668 |
| Assets per employee ($millions) | 3.5887% | 4,733 |
| Cash dividends to net income (ytd only)* | 19.7847% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6552% | 3,376 |
| Loan loss allowance to noncurrent loans | 2,901.5152% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 6,663 |
| Noncurrent loans to loans | 0.0570% | 6,981 |
| Net loans and leases to total assets | 73.7358% | 1,712 |
| Net loans and leases to deposits | 92.5690% | 1,196 |
| Net loans and leases to core deposits | 98.5885% | 1,742 |
| Total domestic deposits to total assets | 79.6550% | 5,924 |
| Equity capital to assets | 9.7199% | 4,092 |
| Core capital (leverage) ratio | 9.4845% | 3,720 |
| Tier 1 risk-based capital ratio | 13.4473% | 4,253 |
| Total risk-based capital ratio | 14.7005% | 4,221 |
| Memoranda: | ||
| Average total assets | $147,472,400 | 3,920 |
| Average earning assets | $137,758,600 | 3,858 |
| Average equity | $14,294,800 | 4,074 |
| Average total loans | $111,880,400 | 3,500 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8937% | 1,148 |
| Cost of funding earning assets | 1.1842% | 4,956 |
| Net interest margin | 4.7095% | 828 |
| Noninterest income to average assets | 0.8717% | 1,903 |
| Noninterest expense to average assets | 2.8155% | 4,416 |
| Loan and lease loss provision to assets | 0.2049% | 5,004 |
| Net operating income to assets | 1.5834% | 768 |
| Return on assets (ROA) | 1.5834% | 839 |
| Pretax return on assets | 2.2493% | 373 |
| Return on Equity (ROE) | 16.3466% | 669 |
| Retained earnings to average equity (ytd only) | 16.3466% | 156 |
| Net charge-offs to loans | 0.1623% | 5,023 |
| Credit loss provision to net charge-offs | 165.9259% | 2,255 |
| Earnings coverage of net charge-offs (x) | 19.8736% | 1,190 |
| Efficiency ratio | 53.4282% | 6,842 |
| Assets per employee ($millions) | 3.5547% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6702% | 3,253 |
| Loan loss allowance to noncurrent loans | 1,511.9048% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 6,843 |
| Noncurrent loans to loans | 0.1105% | 6,966 |
| Net loans and leases to total assets | 73.3746% | 1,935 |
| Net loans and leases to deposits | 91.6764% | 1,494 |
| Net loans and leases to core deposits | 97.2732% | 2,122 |
| Total domestic deposits to total assets | 80.0365% | 5,698 |
| Equity capital to assets | 9.9500% | 4,221 |
| Core capital (leverage) ratio | 9.7800% | 3,516 |
| Tier 1 risk-based capital ratio | 13.5935% | 4,126 |
| Total risk-based capital ratio | 14.8561% | 4,062 |
| Memoranda: | ||
| Average total assets | $145,762,250 | 4,008 |
| Average earning assets | $136,120,000 | 3,942 |
| Average equity | $14,118,750 | 4,180 |
| Average total loans | $110,925,750 | 3,583 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9022% | 1,176 |
| Cost of funding earning assets | 1.2268% | 4,975 |
| Net interest margin | 4.6754% | 853 |
| Noninterest income to average assets | 0.8773% | 1,768 |
| Noninterest expense to average assets | 2.8606% | 4,227 |
| Loan and lease loss provision to assets | 0.1939% | 4,939 |
| Net operating income to assets | 1.5328% | 842 |
| Return on assets (ROA) | 1.5328% | 902 |
| Pretax return on assets | 2.1813% | 421 |
| Return on Equity (ROE) | 15.9793% | 703 |
| Retained earnings to average equity (ytd only) | 15.9793% | 194 |
| Net charge-offs to loans | 0.2093% | 4,357 |
| Credit loss provision to net charge-offs | 120.8696% | 3,352 |
| Earnings coverage of net charge-offs (x) | 14.8087% | 1,500 |
| Efficiency ratio | 54.6351% | 6,804 |
| Assets per employee ($millions) | 3.4635% | 5,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6293% | 3,320 |
| Loan loss allowance to noncurrent loans | 2,453.3333% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.2572% | 6,756 |
| Noncurrent loans to loans | 0.0664% | 7,148 |
| Net loans and leases to total assets | 74.5918% | 1,790 |
| Net loans and leases to deposits | 93.9801% | 1,276 |
| Net loans and leases to core deposits | 100.3704% | 1,976 |
| Total domestic deposits to total assets | 79.3698% | 5,924 |
| Equity capital to assets | 9.6554% | 4,461 |
| Core capital (leverage) ratio | 9.6130% | 3,661 |
| Tier 1 risk-based capital ratio | 13.1620% | 4,315 |
| Total risk-based capital ratio | 14.4157% | 4,269 |
| Memoranda: | ||
| Average total assets | $143,398,330 | 4,064 |
| Average earning assets | $133,679,670 | 4,026 |
| Average equity | $13,755,330 | 4,257 |
| Average total loans | $109,880,670 | 3,639 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9204% | 1,155 |
| Cost of funding earning assets | 1.2687% | 5,010 |
| Net interest margin | 4.6518% | 864 |
| Noninterest income to average assets | 0.8419% | 1,839 |
| Noninterest expense to average assets | 2.9581% | 3,825 |
| Loan and lease loss provision to assets | 0.1394% | 5,159 |
| Net operating income to assets | 1.4563% | 971 |
| Return on assets (ROA) | 1.4563% | 1,047 |
| Pretax return on assets | 2.0621% | 542 |
| Return on Equity (ROE) | 15.2347% | 834 |
| Retained earnings to average equity (ytd only) | 15.2347% | 393 |
| Net charge-offs to loans | 0.2621% | 3,367 |
| Credit loss provision to net charge-offs | 69.0141% | 4,123 |
| Earnings coverage of net charge-offs (x) | 10.9014% | 1,697 |
| Efficiency ratio | 57.3319% | 6,588 |
| Assets per employee ($millions) | 3.3575% | 5,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 3,284 |
| Loan loss allowance to noncurrent loans | 451.8892% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 6,409 |
| Noncurrent loans to loans | 0.3633% | 6,575 |
| Net loans and leases to total assets | 74.4398% | 1,879 |
| Net loans and leases to deposits | 94.1555% | 1,330 |
| Net loans and leases to core deposits | 96.1365% | 2,570 |
| Total domestic deposits to total assets | 79.0605% | 6,064 |
| Equity capital to assets | 9.5032% | 4,528 |
| Core capital (leverage) ratio | 9.4733% | 3,809 |
| Tier 1 risk-based capital ratio | 13.0713% | 4,282 |
| Total risk-based capital ratio | 14.3260% | 4,248 |
| Memoranda: | ||
| Average total assets | $140,631,500 | 4,183 |
| Average earning assets | $130,531,000 | 4,140 |
| Average equity | $13,443,000 | 4,366 |
| Average total loans | $108,355,500 | 3,725 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2979% | 1,033 |
| Cost of funding earning assets | 1.5246% | 5,406 |
| Net interest margin | 4.7733% | 732 |
| Noninterest income to average assets | 0.9528% | 1,737 |
| Noninterest expense to average assets | 3.1514% | 3,542 |
| Loan and lease loss provision to assets | 0.1491% | 6,173 |
| Net operating income to assets | 1.4707% | 716 |
| Return on assets (ROA) | 1.4853% | 754 |
| Pretax return on assets | 2.1082% | 335 |
| Return on Equity (ROE) | 15.3559% | 620 |
| Retained earnings to average equity (ytd only) | 12.3358% | 188 |
| Net charge-offs to loans | 0.0786% | 6,320 |
| Credit loss provision to net charge-offs | 241.2500% | 1,480 |
| Earnings coverage of net charge-offs (x) | 36.1750% | 655 |
| Efficiency ratio | 58.4911% | 6,698 |
| Assets per employee ($millions) | 3.1835% | 5,759 |
| Cash dividends to net income (ytd only)* | 19.6670% | 3,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6902% | 2,927 |
| Loan loss allowance to noncurrent loans | 538.8724% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.4025% | 6,449 |
| Noncurrent loans to loans | 0.3136% | 6,656 |
| Net loans and leases to total assets | 77.1641% | 1,555 |
| Net loans and leases to deposits | 99.0306% | 993 |
| Net loans and leases to core deposits | 112.0636% | 2,690 |
| Total domestic deposits to total assets | 77.9195% | 6,236 |
| Equity capital to assets | 9.6179% | 4,251 |
| Core capital (leverage) ratio | 9.5987% | 3,599 |
| Tier 1 risk-based capital ratio | 12.8599% | 4,236 |
| Total risk-based capital ratio | 14.1131% | 4,191 |
| Memoranda: | ||
| Average total assets | $129,401,400 | 4,346 |
| Average earning assets | $120,231,200 | 4,309 |
| Average equity | $12,516,400 | 4,629 |
| Average total loans | $101,779,200 | 3,901 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3261% | 1,078 |
| Cost of funding earning assets | 1.5810% | 5,485 |
| Net interest margin | 4.7452% | 765 |
| Noninterest income to average assets | 0.9650% | 1,723 |
| Noninterest expense to average assets | 3.0821% | 3,711 |
| Loan and lease loss provision to assets | 0.1380% | 5,971 |
| Net operating income to assets | 1.5223% | 774 |
| Return on assets (ROA) | 1.5421% | 799 |
| Pretax return on assets | 2.1945% | 356 |
| Return on Equity (ROE) | 15.9189% | 670 |
| Retained earnings to average equity (ytd only) | 15.9189% | 134 |
| Net charge-offs to loans | 0.0558% | 6,150 |
| Credit loss provision to net charge-offs | 314.2857% | 1,311 |
| Earnings coverage of net charge-offs (x) | 52.4748% | 602 |
| Efficiency ratio | 57.2205% | 6,840 |
| Assets per employee ($millions) | 3.0653% | 5,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7114% | 2,587 |
| Loan loss allowance to noncurrent loans | 953.7234% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 6,518 |
| Noncurrent loans to loans | 0.1794% | 7,047 |
| Net loans and leases to total assets | 78.1256% | 1,544 |
| Net loans and leases to deposits | 103.7354% | 794 |
| Net loans and leases to core deposits | 117.5916% | 2,459 |
| Total domestic deposits to total assets | 75.3124% | 6,717 |
| Equity capital to assets | 10.0055% | 4,080 |
| Core capital (leverage) ratio | 9.9006% | 3,399 |
| Tier 1 risk-based capital ratio | 13.2065% | 4,049 |
| Total risk-based capital ratio | 14.4607% | 3,988 |
| Memoranda: | ||
| Average total assets | $127,529,250 | 4,416 |
| Average earning assets | $118,827,000 | 4,369 |
| Average equity | $12,354,000 | 4,697 |
| Average total loans | $100,362,500 | 3,973 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3439% | 1,107 |
| Cost of funding earning assets | 1.6376% | 5,571 |
| Net interest margin | 4.7063% | 791 |
| Noninterest income to average assets | 0.9532% | 1,747 |
| Noninterest expense to average assets | 3.0372% | 3,931 |
| Loan and lease loss provision to assets | 0.1332% | 5,758 |
| Net operating income to assets | 1.5178% | 806 |
| Return on assets (ROA) | 1.5178% | 859 |
| Pretax return on assets | 2.1585% | 390 |
| Return on Equity (ROE) | 15.8496% | 720 |
| Retained earnings to average equity (ytd only) | 15.8496% | 167 |
| Net charge-offs to loans | 0.0485% | 5,798 |
| Credit loss provision to net charge-offs | 350.0000% | 1,323 |
| Earnings coverage of net charge-offs (x) | 60.2083% | 591 |
| Efficiency ratio | 56.9940% | 6,989 |
| Assets per employee ($millions) | 3.0277% | 6,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7180% | 2,278 |
| Loan loss allowance to noncurrent loans | 881.5000% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 6,702 |
| Noncurrent loans to loans | 0.1949% | 7,028 |
| Net loans and leases to total assets | 77.4689% | 1,868 |
| Net loans and leases to deposits | 99.7024% | 1,317 |
| Net loans and leases to core deposits | 114.4037% | 2,868 |
| Total domestic deposits to total assets | 77.7001% | 6,153 |
| Equity capital to assets | 9.6736% | 4,390 |
| Core capital (leverage) ratio | 9.5273% | 3,845 |
| Tier 1 risk-based capital ratio | 12.9770% | 4,166 |
| Total risk-based capital ratio | 14.2355% | 4,080 |
| Memoranda: | ||
| Average total assets | $126,103,330 | 4,475 |
| Average earning assets | $117,246,670 | 4,439 |
| Average equity | $12,076,000 | 4,794 |
| Average total loans | $98,894,000 | 4,042 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4214% | 1,016 |
| Cost of funding earning assets | 1.7012% | 5,592 |
| Net interest margin | 4.7202% | 736 |
| Noninterest income to average assets | 0.9479% | 1,648 |
| Noninterest expense to average assets | 3.0276% | 3,646 |
| Loan and lease loss provision to assets | 0.1161% | 5,485 |
| Net operating income to assets | 1.5315% | 886 |
| Return on assets (ROA) | 1.5315% | 960 |
| Pretax return on assets | 2.1699% | 468 |
| Return on Equity (ROE) | 16.0785% | 810 |
| Retained earnings to average equity (ytd only) | 16.0785% | 333 |
| Net charge-offs to loans | 0.0124% | 5,436 |
| Credit loss provision to net charge-offs | 1,200.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 236.3333% | 180 |
| Efficiency ratio | 56.9782% | 6,837 |
| Assets per employee ($millions) | 2.9487% | 6,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7860% | 1,884 |
| Loan loss allowance to noncurrent loans | 640.5904% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.3675% | 6,407 |
| Noncurrent loans to loans | 0.2788% | 6,743 |
| Net loans and leases to total assets | 75.2904% | 2,430 |
| Net loans and leases to deposits | 94.2230% | 2,235 |
| Net loans and leases to core deposits | 108.5498% | 3,609 |
| Total domestic deposits to total assets | 79.9066% | 5,402 |
| Equity capital to assets | 9.5226% | 4,635 |
| Core capital (leverage) ratio | 9.5499% | 3,923 |
| Tier 1 risk-based capital ratio | 13.1058% | 4,117 |
| Total risk-based capital ratio | 14.3635% | 4,020 |
| Memoranda: | ||
| Average total assets | $124,060,500 | 4,541 |
| Average earning assets | $114,742,000 | 4,512 |
| Average equity | $11,817,000 | 4,897 |
| Average total loans | $97,031,500 | 4,116 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0590% | 993 |
| Cost of funding earning assets | 2.3255% | 5,035 |
| Net interest margin | 4.7334% | 902 |
| Noninterest income to average assets | 1.0072% | 1,555 |
| Noninterest expense to average assets | 3.1881% | 3,377 |
| Loan and lease loss provision to assets | 0.2427% | 4,483 |
| Net operating income to assets | 1.3713% | 1,295 |
| Return on assets (ROA) | 1.3713% | 1,248 |
| Pretax return on assets | 1.9573% | 682 |
| Return on Equity (ROE) | 14.3116% | 1,048 |
| Retained earnings to average equity (ytd only) | 10.9191% | 334 |
| Net charge-offs to loans | 0.2134% | 4,077 |
| Credit loss provision to net charge-offs | 143.5897% | 3,681 |
| Earnings coverage of net charge-offs (x) | 13.0154% | 2,181 |
| Efficiency ratio | 59.1699% | 6,504 |
| Assets per employee ($millions) | 2.8216% | 6,512 |
| Cash dividends to net income (ytd only)* | 23.7042% | 4,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7581% | 1,744 |
| Loan loss allowance to noncurrent loans | 487.9656% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 5,919 |
| Noncurrent loans to loans | 0.3603% | 6,287 |
| Net loans and leases to total assets | 78.4328% | 2,014 |
| Net loans and leases to deposits | 99.3247% | 1,941 |
| Net loans and leases to core deposits | 115.2447% | 3,212 |
| Total domestic deposits to total assets | 78.9661% | 5,390 |
| Equity capital to assets | 9.5279% | 4,642 |
| Core capital (leverage) ratio | 9.6708% | 3,808 |
| Tier 1 risk-based capital ratio | 12.5754% | 4,392 |
| Total risk-based capital ratio | 13.8330% | 4,287 |
| Memoranda: | ||
| Average total assets | $115,365,000 | 4,626 |
| Average earning assets | $106,772,200 | 4,600 |
| Average equity | $11,054,000 | 5,104 |
| Average total loans | $91,384,800 | 4,180 |