Home > Union Bank > Performance and Condition Ratios
Union Bank, 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 | 4.4411% | 3,204 |
| Cost of funding earning assets | 1.4540% | 2,066 |
| Net interest margin | 2.9872% | 3,311 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.5012% | 2,294 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.8686% | 2,638 |
| Return on assets (ROA) | 0.8799% | 2,575 |
| Pretax return on assets | 1.0142% | 2,641 |
| Return on Equity (ROE) | 16.3800% | 1,044 |
| Retained earnings to average equity (ytd only) | 6.7948% | 1,960 |
| Net charge-offs to loans | 0.0004% | 2,891 |
| Credit loss provision to net charge-offs | -6,850.0000% | 4,605 |
| Earnings coverage of net charge-offs (x) | 3,327.5000% | 37 |
| Efficiency ratio | 72.1571% | 1,645 |
| Assets per employee ($millions) | 7.4542% | 1,763 |
| Cash dividends to net income (ytd only)* | 58.5133% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6356% | 4,203 |
| Loan loss allowance to noncurrent loans | 325.0495% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 2,602 |
| Noncurrent loans to loans | 0.1955% | 2,535 |
| Net loans and leases to total assets | 69.9000% | 1,820 |
| Net loans and leases to deposits | 78.4675% | 2,228 |
| Net loans and leases to core deposits | 92.2932% | 1,885 |
| Total domestic deposits to total assets | 89.0900% | 1,041 |
| Equity capital to assets | 5.5924% | 4,322 |
| Core capital (leverage) ratio | 7.6233% | 4,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3531% | 2,119 |
| Memoranda: | ||
| Average total assets | $1,379,090,000 | 760 |
| Average earning assets | $1,285,939,200 | 748 |
| Average equity | $74,085,600 | 1,194 |
| Average total loans | $988,070,200 | 734 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3977% | 3,109 |
| Cost of funding earning assets | 1.3212% | 2,091 |
| Net interest margin | 3.0765% | 3,185 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 2.5602% | 2,054 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.8680% | 2,802 |
| Return on assets (ROA) | 0.8729% | 2,770 |
| Pretax return on assets | 1.0077% | 2,834 |
| Return on Equity (ROE) | 16.4300% | 1,182 |
| Retained earnings to average equity (ytd only) | 6.4430% | 2,481 |
| Net charge-offs to loans | 0.0005% | 2,641 |
| Credit loss provision to net charge-offs | 1,375.0000% | 323 |
| Earnings coverage of net charge-offs (x) | 2,508.7500% | 53 |
| Efficiency ratio | 72.1922% | 1,544 |
| Assets per employee ($millions) | 7.0462% | 1,928 |
| Cash dividends to net income (ytd only)* | 60.7903% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6696% | 4,182 |
| Loan loss allowance to noncurrent loans | 324.1655% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 2,562 |
| Noncurrent loans to loans | 0.2066% | 2,528 |
| Net loans and leases to total assets | 73.3100% | 1,434 |
| Net loans and leases to deposits | 83.4467% | 1,785 |
| Net loans and leases to core deposits | 99.1718% | 1,366 |
| Total domestic deposits to total assets | 87.8600% | 1,622 |
| Equity capital to assets | 4.6803% | 4,307 |
| Core capital (leverage) ratio | 7.6842% | 4,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1808% | 2,208 |
| Memoranda: | ||
| Average total assets | $1,356,745,500 | 773 |
| Average earning assets | $1,264,097,500 | 762 |
| Average equity | $72,076,500 | 1,217 |
| Average total loans | $976,814,750 | 744 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2859% | 3,122 |
| Cost of funding earning assets | 1.1125% | 2,242 |
| Net interest margin | 3.1733% | 3,052 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.5730% | 1,996 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9028% | 2,747 |
| Return on assets (ROA) | 0.9146% | 2,690 |
| Pretax return on assets | 1.0664% | 2,732 |
| Return on Equity (ROE) | 16.5400% | 1,178 |
| Retained earnings to average equity (ytd only) | 7.3880% | 2,166 |
| Net charge-offs to loans | 0.0006% | 2,421 |
| Credit loss provision to net charge-offs | -2,033.3333% | 4,639 |
| Earnings coverage of net charge-offs (x) | 2,350.6667% | 60 |
| Efficiency ratio | 71.0295% | 1,667 |
| Assets per employee ($millions) | 6.8787% | 2,018 |
| Cash dividends to net income (ytd only)* | 55.3205% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7211% | 4,149 |
| Loan loss allowance to noncurrent loans | 335.4775% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 2,486 |
| Noncurrent loans to loans | 0.2149% | 2,407 |
| Net loans and leases to total assets | 69.9500% | 1,745 |
| Net loans and leases to deposits | 82.8197% | 1,773 |
| Net loans and leases to core deposits | 98.1204% | 1,340 |
| Total domestic deposits to total assets | 84.4600% | 2,709 |
| Equity capital to assets | 5.6383% | 4,255 |
| Core capital (leverage) ratio | 7.7564% | 4,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4737% | 2,107 |
| Memoranda: | ||
| Average total assets | $1,343,947,000 | 764 |
| Average earning assets | $1,252,813,667 | 753 |
| Average equity | $74,336,333 | 1,183 |
| Average total loans | $959,174,667 | 740 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1357% | 3,171 |
| Cost of funding earning assets | 0.9280% | 2,284 |
| Net interest margin | 3.2076% | 3,097 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.5136% | 2,210 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.9398% | 2,718 |
| Return on assets (ROA) | 0.9506% | 2,649 |
| Pretax return on assets | 1.1048% | 2,692 |
| Return on Equity (ROE) | 17.3500% | 1,123 |
| Retained earnings to average equity (ytd only) | 8.4186% | 2,105 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.2855% | 1,821 |
| Assets per employee ($millions) | 7.2042% | 1,815 |
| Cash dividends to net income (ytd only)* | 51.4821% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7100% | 4,234 |
| Loan loss allowance to noncurrent loans | 295.1894% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 2,296 |
| Noncurrent loans to loans | 0.2405% | 2,298 |
| Net loans and leases to total assets | 71.2200% | 1,499 |
| Net loans and leases to deposits | 78.8878% | 1,900 |
| Net loans and leases to core deposits | 89.1169% | 1,670 |
| Total domestic deposits to total assets | 90.2800% | 1,054 |
| Equity capital to assets | 5.6320% | 4,308 |
| Core capital (leverage) ratio | 7.7947% | 4,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6818% | 2,103 |
| Memoranda: | ||
| Average total assets | $1,348,687,500 | 776 |
| Average earning assets | $1,261,613,500 | 767 |
| Average equity | $73,884,000 | 1,196 |
| Average total loans | $968,643,500 | 749 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7621% | 2,369 |
| Cost of funding earning assets | 0.3386% | 2,563 |
| Net interest margin | 3.4235% | 2,175 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.6040% | 1,819 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0769% | 2,275 |
| Return on assets (ROA) | 1.0756% | 2,220 |
| Pretax return on assets | 1.3043% | 2,072 |
| Return on Equity (ROE) | 16.9700% | 866 |
| Retained earnings to average equity (ytd only) | 8.3422% | 1,702 |
| Net charge-offs to loans | -0.0003% | 3,286 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.6007% | 2,130 |
| Assets per employee ($millions) | 7.1053% | 1,890 |
| Cash dividends to net income (ytd only)* | 50.8349% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8680% | 3,876 |
| Loan loss allowance to noncurrent loans | 347.8932% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 2,296 |
| Noncurrent loans to loans | 0.2495% | 2,278 |
| Net loans and leases to total assets | 71.2900% | 1,494 |
| Net loans and leases to deposits | 79.0709% | 1,838 |
| Net loans and leases to core deposits | 83.1679% | 1,923 |
| Total domestic deposits to total assets | 90.1600% | 1,286 |
| Equity capital to assets | 5.3215% | 4,284 |
| Core capital (leverage) ratio | 7.8384% | 4,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9529% | 1,994 |
| Memoranda: | ||
| Average total assets | $1,252,736,200 | 823 |
| Average earning assets | $1,168,173,800 | 811 |
| Average equity | $79,415,400 | 1,136 |
| Average total loans | $871,735,600 | 767 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6687% | 2,136 |
| Cost of funding earning assets | 0.2432% | 2,778 |
| Net interest margin | 3.4255% | 1,892 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.6348% | 1,634 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0710% | 2,202 |
| Return on assets (ROA) | 1.0636% | 2,200 |
| Pretax return on assets | 1.2794% | 2,110 |
| Return on Equity (ROE) | 16.0800% | 957 |
| Retained earnings to average equity (ytd only) | 7.6531% | 2,131 |
| Net charge-offs to loans | -0.0006% | 3,145 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.1614% | 2,136 |
| Assets per employee ($millions) | 6.0446% | 2,724 |
| Cash dividends to net income (ytd only)* | 52.4013% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8849% | 3,902 |
| Loan loss allowance to noncurrent loans | 493.7833% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 2,702 |
| Noncurrent loans to loans | 0.1792% | 2,691 |
| Net loans and leases to total assets | 71.8800% | 1,311 |
| Net loans and leases to deposits | 77.8966% | 1,721 |
| Net loans and leases to core deposits | 81.1271% | 1,819 |
| Total domestic deposits to total assets | 92.2800% | 787 |
| Equity capital to assets | 5.0379% | 4,282 |
| Core capital (leverage) ratio | 7.9602% | 4,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6510% | 2,198 |
| Memoranda: | ||
| Average total assets | $1,231,973,000 | 841 |
| Average earning assets | $1,148,168,000 | 827 |
| Average equity | $81,498,250 | 1,125 |
| Average total loans | $849,501,750 | 779 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5693% | 1,934 |
| Cost of funding earning assets | 0.2149% | 2,706 |
| Net interest margin | 3.3544% | 1,742 |
| Noninterest income to average assets | 0.6995% | 1,339 |
| Noninterest expense to average assets | 2.6692% | 1,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9682% | 2,277 |
| Return on assets (ROA) | 0.9656% | 2,264 |
| Pretax return on assets | 1.1556% | 2,227 |
| Return on Equity (ROE) | 13.4476% | 1,256 |
| Retained earnings to average equity (ytd only) | 5.5020% | 2,510 |
| Net charge-offs to loans | -0.0010% | 3,037 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7296% | 1,998 |
| Assets per employee ($millions) | 5.7819% | 2,945 |
| Cash dividends to net income (ytd only)* | 59.0855% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 3,544 |
| Loan loss allowance to noncurrent loans | 546.8852% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 2,810 |
| Noncurrent loans to loans | 0.1853% | 2,779 |
| Net loans and leases to total assets | 68.3949% | 1,446 |
| Net loans and leases to deposits | 73.6733% | 1,901 |
| Net loans and leases to core deposits | 74.6783% | 2,112 |
| Total domestic deposits to total assets | 92.8354% | 556 |
| Equity capital to assets | 6.3473% | 4,080 |
| Core capital (leverage) ratio | 8.0182% | 4,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2810% | 1,944 |
| Memoranda: | ||
| Average total assets | $1,209,436,667 | 851 |
| Average earning assets | $1,127,947,333 | 845 |
| Average equity | $86,840,667 | 1,089 |
| Average total loans | $818,504,000 | 797 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4026% | 2,082 |
| Cost of funding earning assets | 0.2173% | 2,564 |
| Net interest margin | 3.1854% | 1,927 |
| Noninterest income to average assets | 0.6342% | 1,556 |
| Noninterest expense to average assets | 2.6180% | 1,559 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8520% | 2,480 |
| Return on assets (ROA) | 0.8833% | 2,345 |
| Pretax return on assets | 1.0415% | 2,318 |
| Return on Equity (ROE) | 11.6417% | 1,414 |
| Retained earnings to average equity (ytd only) | 4.5035% | 2,780 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2660% | 1,942 |
| Assets per employee ($millions) | 6.0724% | 2,746 |
| Cash dividends to net income (ytd only)* | 61.3155% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 3,712 |
| Loan loss allowance to noncurrent loans | 179.8878% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 1,605 |
| Noncurrent loans to loans | 0.5577% | 1,643 |
| Net loans and leases to total assets | 66.7337% | 1,337 |
| Net loans and leases to deposits | 72.3345% | 1,752 |
| Net loans and leases to core deposits | 73.2984% | 1,994 |
| Total domestic deposits to total assets | 92.2571% | 486 |
| Equity capital to assets | 6.9039% | 4,256 |
| Core capital (leverage) ratio | 8.1945% | 4,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7881% | 1,876 |
| Memoranda: | ||
| Average total assets | $1,218,624,000 | 846 |
| Average earning assets | $1,143,351,000 | 842 |
| Average equity | $92,461,000 | 1,053 |
| Average total loans | $816,273,000 | 786 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7212% | 2,052 |
| Cost of funding earning assets | 0.3189% | 2,209 |
| Net interest margin | 3.4022% | 2,022 |
| Noninterest income to average assets | 1.1443% | 803 |
| Noninterest expense to average assets | 2.8593% | 1,232 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2274% | 1,827 |
| Return on assets (ROA) | 1.2253% | 1,883 |
| Pretax return on assets | 1.4751% | 1,803 |
| Return on Equity (ROE) | 15.6948% | 804 |
| Retained earnings to average equity (ytd only) | 9.5444% | 1,034 |
| Net charge-offs to loans | -0.0081% | 3,676 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7831% | 2,288 |
| Assets per employee ($millions) | 6.2090% | 2,566 |
| Cash dividends to net income (ytd only)* | 39.1872% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 3,600 |
| Loan loss allowance to noncurrent loans | 175.5687% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 1,647 |
| Noncurrent loans to loans | 0.5923% | 1,657 |
| Net loans and leases to total assets | 65.8544% | 1,484 |
| Net loans and leases to deposits | 72.2604% | 1,886 |
| Net loans and leases to core deposits | 73.3443% | 2,129 |
| Total domestic deposits to total assets | 91.1348% | 444 |
| Equity capital to assets | 8.2867% | 4,190 |
| Core capital (leverage) ratio | 8.4409% | 3,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3104% | 1,736 |
| Memoranda: | ||
| Average total assets | $1,124,661,200 | 878 |
| Average earning assets | $1,055,396,000 | 863 |
| Average equity | $87,800,000 | 1,121 |
| Average total loans | $803,916,600 | 792 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7651% | 2,106 |
| Cost of funding earning assets | 0.3514% | 2,106 |
| Net interest margin | 3.4137% | 2,117 |
| Noninterest income to average assets | 1.1852% | 809 |
| Noninterest expense to average assets | 2.8763% | 1,173 |
| Loan and lease loss provision to assets | 0.0272% | 2,449 |
| Net operating income to assets | 1.2268% | 2,077 |
| Return on assets (ROA) | 1.2292% | 2,129 |
| Pretax return on assets | 1.4854% | 2,035 |
| Return on Equity (ROE) | 16.0130% | 947 |
| Retained earnings to average equity (ytd only) | 8.4656% | 1,889 |
| Net charge-offs to loans | -0.0108% | 3,702 |
| Credit loss provision to net charge-offs | -346.1538% | 3,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3825% | 2,188 |
| Assets per employee ($millions) | 5.8160% | 2,873 |
| Cash dividends to net income (ytd only)* | 47.1328% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 3,514 |
| Loan loss allowance to noncurrent loans | 149.9299% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.4974% | 1,539 |
| Noncurrent loans to loans | 0.7227% | 1,544 |
| Net loans and leases to total assets | 67.5214% | 1,372 |
| Net loans and leases to deposits | 74.7984% | 1,780 |
| Net loans and leases to core deposits | 75.9960% | 2,049 |
| Total domestic deposits to total assets | 90.2712% | 647 |
| Equity capital to assets | 8.4726% | 4,231 |
| Core capital (leverage) ratio | 8.5402% | 3,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9055% | 1,648 |
| Memoranda: | ||
| Average total assets | $1,104,689,750 | 895 |
| Average earning assets | $1,035,815,000 | 885 |
| Average equity | $84,795,750 | 1,169 |
| Average total loans | $804,500,000 | 810 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8093% | 2,046 |
| Cost of funding earning assets | 0.4085% | 1,814 |
| Net interest margin | 3.4009% | 2,139 |
| Noninterest income to average assets | 1.0293% | 1,026 |
| Noninterest expense to average assets | 2.8381% | 1,273 |
| Loan and lease loss provision to assets | 0.0414% | 2,181 |
| Net operating income to assets | 1.1151% | 2,486 |
| Return on assets (ROA) | 1.1235% | 2,524 |
| Pretax return on assets | 1.3459% | 2,493 |
| Return on Equity (ROE) | 15.1965% | 1,109 |
| Retained earnings to average equity (ytd only) | 7.2337% | 2,347 |
| Net charge-offs to loans | -0.0022% | 3,217 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0187% | 2,011 |
| Assets per employee ($millions) | 5.2219% | 3,433 |
| Cash dividends to net income (ytd only)* | 52.3989% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 3,477 |
| Loan loss allowance to noncurrent loans | 143.4717% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.5565% | 1,500 |
| Noncurrent loans to loans | 0.7570% | 1,588 |
| Net loans and leases to total assets | 72.7089% | 883 |
| Net loans and leases to deposits | 79.7839% | 1,446 |
| Net loans and leases to core deposits | 81.4663% | 1,763 |
| Total domestic deposits to total assets | 91.1322% | 335 |
| Equity capital to assets | 7.6686% | 4,687 |
| Core capital (leverage) ratio | 6.9766% | 4,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3880% | 2,584 |
| Memoranda: | ||
| Average total assets | $1,087,124,667 | 903 |
| Average earning assets | $1,018,450,333 | 896 |
| Average equity | $80,374,000 | 1,212 |
| Average total loans | $809,319,000 | 809 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6820% | 2,405 |
| Cost of funding earning assets | 0.4267% | 1,884 |
| Net interest margin | 3.2553% | 2,531 |
| Noninterest income to average assets | 0.9409% | 1,235 |
| Noninterest expense to average assets | 2.6636% | 1,705 |
| Loan and lease loss provision to assets | 0.0546% | 2,016 |
| Net operating income to assets | 1.0763% | 2,548 |
| Return on assets (ROA) | 1.0892% | 2,584 |
| Pretax return on assets | 1.2976% | 2,579 |
| Return on Equity (ROE) | 15.0034% | 1,209 |
| Retained earnings to average equity (ytd only) | 6.9748% | 2,586 |
| Net charge-offs to loans | -0.0039% | 3,304 |
| Credit loss provision to net charge-offs | -1,875.0000% | 3,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1901% | 2,203 |
| Assets per employee ($millions) | 5.6584% | 2,961 |
| Cash dividends to net income (ytd only)* | 53.5117% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 3,831 |
| Loan loss allowance to noncurrent loans | 137.2578% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.5566% | 1,701 |
| Noncurrent loans to loans | 0.7296% | 1,780 |
| Net loans and leases to total assets | 75.5192% | 675 |
| Net loans and leases to deposits | 82.3987% | 1,307 |
| Net loans and leases to core deposits | 84.7746% | 1,609 |
| Total domestic deposits to total assets | 91.6509% | 208 |
| Equity capital to assets | 7.1755% | 4,802 |
| Core capital (leverage) ratio | 7.0143% | 4,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3999% | 2,527 |
| Memoranda: | ||
| Average total assets | $1,098,056,000 | 888 |
| Average earning assets | $1,032,055,000 | 873 |
| Average equity | $79,715,500 | 1,214 |
| Average total loans | $822,456,000 | 795 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1485% | 2,281 |
| Cost of funding earning assets | 0.5810% | 2,441 |
| Net interest margin | 3.5675% | 2,254 |
| Noninterest income to average assets | 1.6440% | 463 |
| Noninterest expense to average assets | 3.0999% | 1,232 |
| Loan and lease loss provision to assets | 0.2305% | 1,687 |
| Net operating income to assets | 1.3635% | 1,099 |
| Return on assets (ROA) | 1.3853% | 1,147 |
| Pretax return on assets | 1.6505% | 953 |
| Return on Equity (ROE) | 17.4618% | 373 |
| Retained earnings to average equity (ytd only) | 9.0756% | 753 |
| Net charge-offs to loans | 0.0069% | 3,096 |
| Credit loss provision to net charge-offs | 4,313.7255% | 242 |
| Earnings coverage of net charge-offs (x) | 347.1961% | 311 |
| Efficiency ratio | 62.1990% | 3,090 |
| Assets per employee ($millions) | 5.6618% | 2,672 |
| Cash dividends to net income (ytd only)* | 48.0260% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 3,759 |
| Loan loss allowance to noncurrent loans | 283.1565% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 2,940 |
| Noncurrent loans to loans | 0.3637% | 2,893 |
| Net loans and leases to total assets | 72.7487% | 1,195 |
| Net loans and leases to deposits | 79.6959% | 1,898 |
| Net loans and leases to core deposits | 82.7993% | 2,135 |
| Total domestic deposits to total assets | 91.2829% | 159 |
| Equity capital to assets | 7.3447% | 4,870 |
| Core capital (leverage) ratio | 7.2584% | 4,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7917% | 2,315 |
| Memoranda: | ||
| Average total assets | $954,473,800 | 917 |
| Average earning assets | $885,856,600 | 916 |
| Average equity | $75,719,600 | 1,210 |
| Average total loans | $741,937,400 | 837 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2987% | 2,099 |
| Cost of funding earning assets | 0.6228% | 2,476 |
| Net interest margin | 3.6759% | 2,022 |
| Noninterest income to average assets | 1.5703% | 482 |
| Noninterest expense to average assets | 3.1614% | 1,137 |
| Loan and lease loss provision to assets | 0.2319% | 1,752 |
| Net operating income to assets | 1.3376% | 1,267 |
| Return on assets (ROA) | 1.3527% | 1,325 |
| Pretax return on assets | 1.5963% | 1,192 |
| Return on Equity (ROE) | 16.6838% | 473 |
| Retained earnings to average equity (ytd only) | 8.3714% | 1,183 |
| Net charge-offs to loans | 0.0057% | 2,936 |
| Credit loss provision to net charge-offs | 5,161.2903% | 222 |
| Earnings coverage of net charge-offs (x) | 402.9355% | 285 |
| Efficiency ratio | 63.2131% | 2,879 |
| Assets per employee ($millions) | 5.1446% | 3,072 |
| Cash dividends to net income (ytd only)* | 49.8232% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 3,839 |
| Loan loss allowance to noncurrent loans | 225.2123% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 2,784 |
| Noncurrent loans to loans | 0.4278% | 2,775 |
| Net loans and leases to total assets | 78.4091% | 783 |
| Net loans and leases to deposits | 86.6258% | 1,630 |
| Net loans and leases to core deposits | 90.4349% | 1,937 |
| Total domestic deposits to total assets | 90.5148% | 280 |
| Equity capital to assets | 7.7323% | 4,795 |
| Core capital (leverage) ratio | 7.4445% | 4,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5965% | 2,370 |
| Memoranda: | ||
| Average total assets | $919,912,000 | 937 |
| Average earning assets | $851,248,750 | 932 |
| Average equity | $74,585,250 | 1,216 |
| Average total loans | $726,619,000 | 846 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4093% | 2,185 |
| Cost of funding earning assets | 0.6864% | 2,468 |
| Net interest margin | 3.7229% | 2,081 |
| Noninterest income to average assets | 1.2154% | 679 |
| Noninterest expense to average assets | 3.1373% | 1,271 |
| Loan and lease loss provision to assets | 0.1797% | 2,222 |
| Net operating income to assets | 1.1305% | 1,878 |
| Return on assets (ROA) | 1.1399% | 1,964 |
| Pretax return on assets | 1.3423% | 1,894 |
| Return on Equity (ROE) | 13.8174% | 917 |
| Retained earnings to average equity (ytd only) | 5.5134% | 2,273 |
| Net charge-offs to loans | 0.0097% | 2,600 |
| Credit loss provision to net charge-offs | 2,352.9412% | 427 |
| Earnings coverage of net charge-offs (x) | 197.8529% | 458 |
| Efficiency ratio | 67.0838% | 2,366 |
| Assets per employee ($millions) | 4.7004% | 3,528 |
| Cash dividends to net income (ytd only)* | 60.0985% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 3,851 |
| Loan loss allowance to noncurrent loans | 214.0460% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 2,887 |
| Noncurrent loans to loans | 0.4376% | 2,850 |
| Net loans and leases to total assets | 79.4799% | 657 |
| Net loans and leases to deposits | 88.4407% | 1,510 |
| Net loans and leases to core deposits | 92.8580% | 1,831 |
| Total domestic deposits to total assets | 89.8680% | 440 |
| Equity capital to assets | 8.2247% | 4,623 |
| Core capital (leverage) ratio | 7.3870% | 4,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3869% | 2,448 |
| Memoranda: | ||
| Average total assets | $890,438,000 | 949 |
| Average earning assets | $821,083,333 | 951 |
| Average equity | $73,458,000 | 1,220 |
| Average total loans | $702,719,667 | 853 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4111% | 2,582 |
| Cost of funding earning assets | 0.7170% | 2,860 |
| Net interest margin | 3.6941% | 2,346 |
| Noninterest income to average assets | 1.1959% | 611 |
| Noninterest expense to average assets | 3.2087% | 1,407 |
| Loan and lease loss provision to assets | 0.1368% | 2,013 |
| Net operating income to assets | 1.0908% | 1,873 |
| Return on assets (ROA) | 1.0477% | 2,113 |
| Pretax return on assets | 1.2228% | 2,118 |
| Return on Equity (ROE) | 12.6797% | 941 |
| Retained earnings to average equity (ytd only) | 4.6790% | 2,427 |
| Net charge-offs to loans | 0.0181% | 2,009 |
| Credit loss provision to net charge-offs | 967.7419% | 591 |
| Earnings coverage of net charge-offs (x) | 99.7419% | 580 |
| Efficiency ratio | 69.0523% | 2,502 |
| Assets per employee ($millions) | 4.4794% | 3,286 |
| Cash dividends to net income (ytd only)* | 63.0983% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 4,033 |
| Loan loss allowance to noncurrent loans | 162.5795% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4455% | 2,686 |
| Noncurrent loans to loans | 0.5664% | 2,584 |
| Net loans and leases to total assets | 77.9259% | 995 |
| Net loans and leases to deposits | 93.1385% | 1,168 |
| Net loans and leases to core deposits | 98.1999% | 1,609 |
| Total domestic deposits to total assets | 83.6666% | 2,899 |
| Equity capital to assets | 8.3278% | 4,886 |
| Core capital (leverage) ratio | 8.1638% | 4,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1699% | 2,630 |
| Memoranda: | ||
| Average total assets | $877,365,500 | 935 |
| Average earning assets | $812,862,500 | 930 |
| Average equity | $72,494,000 | 1,230 |
| Average total loans | $686,386,000 | 848 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7313% | 2,237 |
| Cost of funding earning assets | 0.7385% | 2,980 |
| Net interest margin | 3.9928% | 1,876 |
| Noninterest income to average assets | 1.2501% | 606 |
| Noninterest expense to average assets | 3.2770% | 1,344 |
| Loan and lease loss provision to assets | 0.0944% | 2,148 |
| Net operating income to assets | 1.3304% | 1,576 |
| Return on assets (ROA) | 1.3468% | 1,596 |
| Pretax return on assets | 1.5834% | 1,532 |
| Return on Equity (ROE) | 16.2369% | 513 |
| Retained earnings to average equity (ytd only) | 7.5409% | 1,145 |
| Net charge-offs to loans | 0.0600% | 2,244 |
| Credit loss provision to net charge-offs | 197.7041% | 1,342 |
| Earnings coverage of net charge-offs (x) | 34.7500% | 1,437 |
| Efficiency ratio | 65.9760% | 2,771 |
| Assets per employee ($millions) | 4.3397% | 3,452 |
| Cash dividends to net income (ytd only)* | 53.5569% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 3,951 |
| Loan loss allowance to noncurrent loans | 174.8144% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.4015% | 2,791 |
| Noncurrent loans to loans | 0.5160% | 2,635 |
| Net loans and leases to total assets | 77.1085% | 1,242 |
| Net loans and leases to deposits | 90.1150% | 1,578 |
| Net loans and leases to core deposits | 94.3063% | 2,030 |
| Total domestic deposits to total assets | 85.5667% | 2,259 |
| Equity capital to assets | 8.1968% | 5,012 |
| Core capital (leverage) ratio | 8.0610% | 5,020 |
| Tier 1 risk-based capital ratio | 11.9068% | 4,416 |
| Total risk-based capital ratio | 12.9781% | 4,388 |
| Memoranda: | ||
| Average total assets | $821,402,200 | 953 |
| Average earning assets | $758,142,400 | 952 |
| Average equity | $68,134,800 | 1,240 |
| Average total loans | $653,873,000 | 846 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7641% | 2,236 |
| Cost of funding earning assets | 0.7283% | 3,077 |
| Net interest margin | 4.0358% | 1,812 |
| Noninterest income to average assets | 1.2069% | 632 |
| Noninterest expense to average assets | 3.2894% | 1,295 |
| Loan and lease loss provision to assets | 0.0577% | 2,745 |
| Net operating income to assets | 1.3415% | 1,674 |
| Return on assets (ROA) | 1.3530% | 1,701 |
| Pretax return on assets | 1.5937% | 1,659 |
| Return on Equity (ROE) | 16.2587% | 573 |
| Retained earnings to average equity (ytd only) | 7.4418% | 1,654 |
| Net charge-offs to loans | 0.0578% | 1,999 |
| Credit loss provision to net charge-offs | 124.5552% | 1,890 |
| Earnings coverage of net charge-offs (x) | 35.3521% | 1,471 |
| Efficiency ratio | 66.3309% | 2,683 |
| Assets per employee ($millions) | 4.1182% | 3,735 |
| Cash dividends to net income (ytd only)* | 54.2287% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8637% | 4,186 |
| Loan loss allowance to noncurrent loans | 297.0844% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.2316% | 3,649 |
| Noncurrent loans to loans | 0.2907% | 3,494 |
| Net loans and leases to total assets | 78.9664% | 995 |
| Net loans and leases to deposits | 92.5744% | 1,363 |
| Net loans and leases to core deposits | 98.3521% | 1,796 |
| Total domestic deposits to total assets | 85.3004% | 2,294 |
| Equity capital to assets | 8.3214% | 5,057 |
| Core capital (leverage) ratio | 8.1698% | 5,067 |
| Tier 1 risk-based capital ratio | 11.8723% | 4,476 |
| Total risk-based capital ratio | 12.9079% | 4,497 |
| Memoranda: | ||
| Average total assets | $808,681,000 | 969 |
| Average earning assets | $745,479,750 | 967 |
| Average equity | $67,293,500 | 1,255 |
| Average total loans | $647,659,000 | 855 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7624% | 2,181 |
| Cost of funding earning assets | 0.7060% | 3,136 |
| Net interest margin | 4.0564% | 1,736 |
| Noninterest income to average assets | 1.1538% | 642 |
| Noninterest expense to average assets | 3.2848% | 1,310 |
| Loan and lease loss provision to assets | 0.0502% | 2,815 |
| Net operating income to assets | 1.3239% | 1,680 |
| Return on assets (ROA) | 1.3433% | 1,670 |
| Pretax return on assets | 1.5823% | 1,599 |
| Return on Equity (ROE) | 16.1430% | 568 |
| Retained earnings to average equity (ytd only) | 7.0942% | 1,762 |
| Net charge-offs to loans | 0.0823% | 1,536 |
| Credit loss provision to net charge-offs | 76.0456% | 2,262 |
| Earnings coverage of net charge-offs (x) | 24.3840% | 1,627 |
| Efficiency ratio | 66.6769% | 2,717 |
| Assets per employee ($millions) | 3.8854% | 4,019 |
| Cash dividends to net income (ytd only)* | 56.0538% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9222% | 3,998 |
| Loan loss allowance to noncurrent loans | 361.2985% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 3,764 |
| Noncurrent loans to loans | 0.2553% | 3,615 |
| Net loans and leases to total assets | 78.8647% | 1,063 |
| Net loans and leases to deposits | 92.9312% | 1,384 |
| Net loans and leases to core deposits | 99.3564% | 1,779 |
| Total domestic deposits to total assets | 84.8635% | 2,539 |
| Equity capital to assets | 8.8417% | 4,884 |
| Core capital (leverage) ratio | 8.1051% | 5,135 |
| Tier 1 risk-based capital ratio | 11.9658% | 4,440 |
| Total risk-based capital ratio | 13.0092% | 4,439 |
| Memoranda: | ||
| Average total assets | $796,831,670 | 980 |
| Average earning assets | $734,797,000 | 981 |
| Average equity | $66,307,330 | 1,269 |
| Average total loans | $639,390,330 | 871 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5975% | 2,537 |
| Cost of funding earning assets | 0.6484% | 3,331 |
| Net interest margin | 3.9490% | 2,025 |
| Noninterest income to average assets | 1.0689% | 698 |
| Noninterest expense to average assets | 3.1752% | 1,561 |
| Loan and lease loss provision to assets | 0.0247% | 3,106 |
| Net operating income to assets | 1.3148% | 1,644 |
| Return on assets (ROA) | 1.3425% | 1,588 |
| Pretax return on assets | 1.5522% | 1,608 |
| Return on Equity (ROE) | 16.6302% | 512 |
| Retained earnings to average equity (ytd only) | 7.4388% | 1,873 |
| Net charge-offs to loans | 0.1333% | 942 |
| Credit loss provision to net charge-offs | 23.0415% | 2,120 |
| Earnings coverage of net charge-offs (x) | 14.3917% | 1,797 |
| Efficiency ratio | 66.8204% | 2,820 |
| Assets per employee ($millions) | 4.2109% | 3,612 |
| Cash dividends to net income (ytd only)* | 55.2690% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 4,351 |
| Loan loss allowance to noncurrent loans | 244.9231% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.2799% | 3,485 |
| Noncurrent loans to loans | 0.3466% | 3,336 |
| Net loans and leases to total assets | 80.0839% | 822 |
| Net loans and leases to deposits | 92.6331% | 1,324 |
| Net loans and leases to core deposits | 98.6769% | 1,729 |
| Total domestic deposits to total assets | 86.4527% | 2,095 |
| Equity capital to assets | 8.1676% | 5,136 |
| Core capital (leverage) ratio | 8.0949% | 5,183 |
| Tier 1 risk-based capital ratio | 11.9612% | 4,479 |
| Total risk-based capital ratio | 13.0048% | 4,490 |
| Memoranda: | ||
| Average total assets | $808,648,000 | 965 |
| Average earning assets | $747,629,500 | 962 |
| Average equity | $65,279,000 | 1,277 |
| Average total loans | $651,357,000 | 855 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6161% | 2,095 |
| Cost of funding earning assets | 0.5105% | 3,288 |
| Net interest margin | 4.1056% | 1,664 |
| Noninterest income to average assets | 1.2214% | 620 |
| Noninterest expense to average assets | 3.8428% | 651 |
| Loan and lease loss provision to assets | 0.0597% | 2,971 |
| Net operating income to assets | 0.9520% | 3,221 |
| Return on assets (ROA) | 0.9510% | 3,224 |
| Pretax return on assets | 1.1204% | 3,204 |
| Return on Equity (ROE) | 11.8907% | 1,751 |
| Retained earnings to average equity (ytd only) | 2.5570% | 4,120 |
| Net charge-offs to loans | 0.0194% | 3,050 |
| Credit loss provision to net charge-offs | 378.1513% | 855 |
| Earnings coverage of net charge-offs (x) | 74.7899% | 899 |
| Efficiency ratio | 76.0375% | 1,356 |
| Assets per employee ($millions) | 4.1261% | 3,709 |
| Cash dividends to net income (ytd only)* | 78.4957% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8880% | 4,214 |
| Loan loss allowance to noncurrent loans | 293.4049% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2431% | 3,627 |
| Noncurrent loans to loans | 0.3026% | 3,468 |
| Net loans and leases to total assets | 79.6128% | 994 |
| Net loans and leases to deposits | 90.4133% | 1,744 |
| Net loans and leases to core deposits | 94.1405% | 2,213 |
| Total domestic deposits to total assets | 88.0543% | 1,275 |
| Equity capital to assets | 7.9767% | 5,170 |
| Core capital (leverage) ratio | 8.0030% | 5,233 |
| Tier 1 risk-based capital ratio | 11.7466% | 4,595 |
| Total risk-based capital ratio | 12.8241% | 4,582 |
| Memoranda: | ||
| Average total assets | $753,484,400 | 1,000 |
| Average earning assets | $697,879,200 | 991 |
| Average equity | $60,265,800 | 1,316 |
| Average total loans | $612,603,200 | 875 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5831% | 2,026 |
| Cost of funding earning assets | 0.4765% | 3,353 |
| Net interest margin | 4.1066% | 1,605 |
| Noninterest income to average assets | 1.2282% | 639 |
| Noninterest expense to average assets | 3.3598% | 1,177 |
| Loan and lease loss provision to assets | 0.0540% | 2,890 |
| Net operating income to assets | 1.3493% | 1,665 |
| Return on assets (ROA) | 1.3579% | 1,639 |
| Pretax return on assets | 1.6253% | 1,501 |
| Return on Equity (ROE) | 16.9656% | 543 |
| Retained earnings to average equity (ytd only) | 7.4640% | 1,896 |
| Net charge-offs to loans | 0.0216% | 2,706 |
| Credit loss provision to net charge-offs | 306.1224% | 1,011 |
| Earnings coverage of net charge-offs (x) | 94.6147% | 788 |
| Efficiency ratio | 66.3529% | 2,805 |
| Assets per employee ($millions) | 4.0147% | 3,863 |
| Cash dividends to net income (ytd only)* | 56.0047% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 4,369 |
| Loan loss allowance to noncurrent loans | 394.7924% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 4,029 |
| Noncurrent loans to loans | 0.2204% | 3,918 |
| Net loans and leases to total assets | 82.0426% | 709 |
| Net loans and leases to deposits | 95.3396% | 1,230 |
| Net loans and leases to core deposits | 100.3922% | 1,753 |
| Total domestic deposits to total assets | 86.0530% | 2,163 |
| Equity capital to assets | 7.7458% | 5,255 |
| Core capital (leverage) ratio | 8.3724% | 5,160 |
| Tier 1 risk-based capital ratio | 12.5956% | 4,158 |
| Total risk-based capital ratio | 13.6952% | 4,116 |
| Memoranda: | ||
| Average total assets | $740,707,250 | 1,009 |
| Average earning assets | $685,515,000 | 1,006 |
| Average equity | $59,287,250 | 1,337 |
| Average total loans | $604,179,500 | 882 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6006% | 1,785 |
| Cost of funding earning assets | 0.4064% | 3,675 |
| Net interest margin | 4.1942% | 1,302 |
| Noninterest income to average assets | 1.2047% | 665 |
| Noninterest expense to average assets | 3.3572% | 1,206 |
| Loan and lease loss provision to assets | 0.0412% | 3,083 |
| Net operating income to assets | 1.4092% | 1,401 |
| Return on assets (ROA) | 1.4168% | 1,378 |
| Pretax return on assets | 1.6945% | 1,224 |
| Return on Equity (ROE) | 17.4991% | 477 |
| Retained earnings to average equity (ytd only) | 8.1676% | 1,552 |
| Net charge-offs to loans | 0.0017% | 3,148 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 1,257.0000% | 60 |
| Efficiency ratio | 65.5769% | 3,045 |
| Assets per employee ($millions) | 3.7737% | 4,246 |
| Cash dividends to net income (ytd only)* | 53.3256% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9552% | 4,089 |
| Loan loss allowance to noncurrent loans | 329.5549% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.2350% | 3,833 |
| Noncurrent loans to loans | 0.2898% | 3,663 |
| Net loans and leases to total assets | 80.3078% | 972 |
| Net loans and leases to deposits | 98.9398% | 889 |
| Net loans and leases to core deposits | 101.2570% | 1,631 |
| Total domestic deposits to total assets | 81.1683% | 3,949 |
| Equity capital to assets | 8.3302% | 5,062 |
| Core capital (leverage) ratio | 8.6414% | 5,005 |
| Tier 1 risk-based capital ratio | 12.8758% | 3,963 |
| Total risk-based capital ratio | 14.0059% | 3,939 |
| Memoranda: | ||
| Average total assets | $727,994,000 | 1,023 |
| Average earning assets | $673,307,670 | 1,030 |
| Average equity | $58,940,330 | 1,346 |
| Average total loans | $590,707,330 | 906 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4415% | 2,049 |
| Cost of funding earning assets | 0.3763% | 3,765 |
| Net interest margin | 4.0651% | 1,523 |
| Noninterest income to average assets | 1.2226% | 620 |
| Noninterest expense to average assets | 3.2955% | 1,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4139% | 1,309 |
| Return on assets (ROA) | 1.4184% | 1,300 |
| Pretax return on assets | 1.7085% | 1,094 |
| Return on Equity (ROE) | 17.7703% | 437 |
| Retained earnings to average equity (ytd only) | 8.2054% | 1,766 |
| Net charge-offs to loans | 0.0020% | 2,662 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1,041.0000% | 54 |
| Efficiency ratio | 65.4593% | 3,255 |
| Assets per employee ($millions) | 3.7802% | 4,309 |
| Cash dividends to net income (ytd only)* | 53.8255% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9078% | 4,414 |
| Loan loss allowance to noncurrent loans | 319.0673% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 3,936 |
| Noncurrent loans to loans | 0.2845% | 3,751 |
| Net loans and leases to total assets | 81.7141% | 696 |
| Net loans and leases to deposits | 94.1374% | 1,213 |
| Net loans and leases to core deposits | 105.8834% | 1,247 |
| Total domestic deposits to total assets | 86.8030% | 2,203 |
| Equity capital to assets | 8.1290% | 5,216 |
| Core capital (leverage) ratio | 8.5558% | 5,100 |
| Tier 1 risk-based capital ratio | 12.7753% | 4,074 |
| Total risk-based capital ratio | 13.8895% | 4,056 |
| Memoranda: | ||
| Average total assets | $733,494,000 | 1,025 |
| Average earning assets | $681,306,000 | 1,022 |
| Average equity | $58,547,000 | 1,359 |
| Average total loans | $595,383,500 | 898 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5084% | 1,680 |
| Cost of funding earning assets | 0.3461% | 3,748 |
| Net interest margin | 4.1623% | 1,272 |
| Noninterest income to average assets | 1.3359% | 588 |
| Noninterest expense to average assets | 3.3725% | 1,247 |
| Loan and lease loss provision to assets | 0.0287% | 3,695 |
| Net operating income to assets | 1.2602% | 1,327 |
| Return on assets (ROA) | 1.2626% | 1,342 |
| Pretax return on assets | 1.7888% | 815 |
| Return on Equity (ROE) | 15.2167% | 582 |
| Retained earnings to average equity (ytd only) | 5.6056% | 1,769 |
| Net charge-offs to loans | 0.0069% | 3,827 |
| Credit loss provision to net charge-offs | 512.8205% | 602 |
| Earnings coverage of net charge-offs (x) | 323.7179% | 266 |
| Efficiency ratio | 64.5491% | 3,522 |
| Assets per employee ($millions) | 3.8400% | 4,223 |
| Cash dividends to net income (ytd only)* | 63.1615% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 4,436 |
| Loan loss allowance to noncurrent loans | 320.9496% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.2310% | 3,984 |
| Noncurrent loans to loans | 0.2830% | 3,770 |
| Net loans and leases to total assets | 79.1929% | 1,078 |
| Net loans and leases to deposits | 90.8641% | 1,668 |
| Net loans and leases to core deposits | 105.5068% | 1,294 |
| Total domestic deposits to total assets | 87.1553% | 1,916 |
| Equity capital to assets | 7.8394% | 5,443 |
| Core capital (leverage) ratio | 8.4315% | 5,198 |
| Tier 1 risk-based capital ratio | 12.5224% | 4,196 |
| Total risk-based capital ratio | 13.6362% | 4,188 |
| Memoranda: | ||
| Average total assets | $695,927,600 | 1,052 |
| Average earning assets | $643,822,000 | 1,042 |
| Average equity | $57,745,600 | 1,363 |
| Average total loans | $561,158,200 | 921 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4995% | 1,641 |
| Cost of funding earning assets | 0.3415% | 3,755 |
| Net interest margin | 4.1580% | 1,260 |
| Noninterest income to average assets | 1.3628% | 564 |
| Noninterest expense to average assets | 3.4018% | 1,152 |
| Loan and lease loss provision to assets | 0.0293% | 3,540 |
| Net operating income to assets | 1.3050% | 1,313 |
| Return on assets (ROA) | 1.3107% | 1,333 |
| Pretax return on assets | 1.7862% | 916 |
| Return on Equity (ROE) | 15.5624% | 581 |
| Retained earnings to average equity (ytd only) | 5.9531% | 2,268 |
| Net charge-offs to loans | 0.0333% | 2,766 |
| Credit loss provision to net charge-offs | 108.6957% | 2,155 |
| Earnings coverage of net charge-offs (x) | 67.1650% | 926 |
| Efficiency ratio | 64.8211% | 3,401 |
| Assets per employee ($millions) | 3.7081% | 4,438 |
| Cash dividends to net income (ytd only)* | 61.7468% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8985% | 4,575 |
| Loan loss allowance to noncurrent loans | 232.9052% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.3205% | 3,781 |
| Noncurrent loans to loans | 0.3858% | 3,572 |
| Net loans and leases to total assets | 82.3330% | 630 |
| Net loans and leases to deposits | 95.3069% | 1,173 |
| Net loans and leases to core deposits | 105.6119% | 1,298 |
| Total domestic deposits to total assets | 86.3873% | 2,141 |
| Equity capital to assets | 8.4121% | 5,336 |
| Core capital (leverage) ratio | 8.4946% | 5,253 |
| Tier 1 risk-based capital ratio | 12.3726% | 4,397 |
| Total risk-based capital ratio | 13.4711% | 4,378 |
| Memoranda: | ||
| Average total assets | $683,668,000 | 1,073 |
| Average earning assets | $632,472,250 | 1,069 |
| Average equity | $57,581,750 | 1,377 |
| Average total loans | $552,605,750 | 933 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4614% | 1,621 |
| Cost of funding earning assets | 0.3324% | 3,765 |
| Net interest margin | 4.1290% | 1,250 |
| Noninterest income to average assets | 1.3356% | 595 |
| Noninterest expense to average assets | 3.4233% | 1,124 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2680% | 1,383 |
| Return on assets (ROA) | 1.2714% | 1,399 |
| Pretax return on assets | 1.7310% | 984 |
| Return on Equity (ROE) | 15.0894% | 646 |
| Retained earnings to average equity (ytd only) | 5.2683% | 2,537 |
| Net charge-offs to loans | 0.0292% | 2,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 73.9367% | 815 |
| Efficiency ratio | 65.9894% | 3,353 |
| Assets per employee ($millions) | 3.4951% | 4,727 |
| Cash dividends to net income (ytd only)* | 65.0860% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 4,401 |
| Loan loss allowance to noncurrent loans | 167.5203% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.4646% | 3,254 |
| Noncurrent loans to loans | 0.5689% | 3,026 |
| Net loans and leases to total assets | 80.8880% | 823 |
| Net loans and leases to deposits | 94.7081% | 1,202 |
| Net loans and leases to core deposits | 101.5111% | 1,546 |
| Total domestic deposits to total assets | 85.4077% | 2,643 |
| Equity capital to assets | 8.7542% | 5,098 |
| Core capital (leverage) ratio | 8.6162% | 5,127 |
| Tier 1 risk-based capital ratio | 12.2356% | 4,472 |
| Total risk-based capital ratio | 13.3240% | 4,460 |
| Memoranda: | ||
| Average total assets | $676,710,330 | 1,083 |
| Average earning assets | $625,096,670 | 1,084 |
| Average equity | $57,020,000 | 1,388 |
| Average total loans | $541,698,000 | 952 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3388% | 1,852 |
| Cost of funding earning assets | 0.3356% | 3,693 |
| Net interest margin | 4.0032% | 1,465 |
| Noninterest income to average assets | 1.2913% | 612 |
| Noninterest expense to average assets | 3.4095% | 1,182 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1704% | 1,588 |
| Return on assets (ROA) | 1.1730% | 1,619 |
| Pretax return on assets | 1.5812% | 1,286 |
| Return on Equity (ROE) | 14.1898% | 768 |
| Retained earnings to average equity (ytd only) | 4.6260% | 3,102 |
| Net charge-offs to loans | 0.0406% | 2,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 48.9818% | 910 |
| Efficiency ratio | 67.8605% | 3,224 |
| Assets per employee ($millions) | 3.5934% | 4,659 |
| Cash dividends to net income (ytd only)* | 67.3989% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9597% | 4,495 |
| Loan loss allowance to noncurrent loans | 155.4491% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 3,253 |
| Noncurrent loans to loans | 0.6173% | 2,970 |
| Net loans and leases to total assets | 79.3170% | 929 |
| Net loans and leases to deposits | 91.7115% | 1,355 |
| Net loans and leases to core deposits | 101.3307% | 1,418 |
| Total domestic deposits to total assets | 86.4854% | 2,448 |
| Equity capital to assets | 8.4254% | 5,291 |
| Core capital (leverage) ratio | 8.5113% | 5,220 |
| Tier 1 risk-based capital ratio | 12.2634% | 4,534 |
| Total risk-based capital ratio | 13.3769% | 4,532 |
| Memoranda: | ||
| Average total assets | $683,031,000 | 1,073 |
| Average earning assets | $630,596,000 | 1,074 |
| Average equity | $56,463,000 | 1,390 |
| Average total loans | $541,387,000 | 946 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 1,653 |
| Cost of funding earning assets | 0.3382% | 3,653 |
| Net interest margin | 4.1220% | 1,330 |
| Noninterest income to average assets | 1.5310% | 515 |
| Noninterest expense to average assets | 3.6394% | 962 |
| Loan and lease loss provision to assets | 0.0230% | 3,911 |
| Net operating income to assets | 1.3364% | 1,126 |
| Return on assets (ROA) | 1.3451% | 1,165 |
| Pretax return on assets | 1.6798% | 1,054 |
| Return on Equity (ROE) | 15.9430% | 513 |
| Retained earnings to average equity (ytd only) | 6.7772% | 1,320 |
| Net charge-offs to loans | 0.0199% | 3,653 |
| Credit loss provision to net charge-offs | 144.2308% | 1,899 |
| Earnings coverage of net charge-offs (x) | 106.2404% | 569 |
| Efficiency ratio | 67.7734% | 3,283 |
| Assets per employee ($millions) | 3.6152% | 4,588 |
| Cash dividends to net income (ytd only)* | 57.4909% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 4,484 |
| Loan loss allowance to noncurrent loans | 119.6579% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.6350% | 2,814 |
| Noncurrent loans to loans | 0.8094% | 2,497 |
| Net loans and leases to total assets | 77.6973% | 1,247 |
| Net loans and leases to deposits | 89.6583% | 1,727 |
| Net loans and leases to core deposits | 102.5029% | 1,411 |
| Total domestic deposits to total assets | 86.6593% | 2,306 |
| Equity capital to assets | 8.1111% | 5,511 |
| Core capital (leverage) ratio | 8.1712% | 5,519 |
| Tier 1 risk-based capital ratio | 11.8949% | 4,799 |
| Total risk-based capital ratio | 13.0239% | 4,778 |
| Memoranda: | ||
| Average total assets | $653,043,400 | 1,090 |
| Average earning assets | $602,088,800 | 1,085 |
| Average equity | $55,096,200 | 1,394 |
| Average total loans | $522,259,400 | 939 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4795% | 1,607 |
| Cost of funding earning assets | 0.3334% | 3,739 |
| Net interest margin | 4.1461% | 1,263 |
| Noninterest income to average assets | 1.5465% | 513 |
| Noninterest expense to average assets | 3.6440% | 928 |
| Loan and lease loss provision to assets | 0.0311% | 3,609 |
| Net operating income to assets | 1.3075% | 1,269 |
| Return on assets (ROA) | 1.3188% | 1,318 |
| Pretax return on assets | 1.7083% | 1,091 |
| Return on Equity (ROE) | 15.4718% | 617 |
| Retained earnings to average equity (ytd only) | 6.4808% | 1,926 |
| Net charge-offs to loans | 0.0322% | 3,003 |
| Credit loss provision to net charge-offs | 120.0000% | 2,086 |
| Earnings coverage of net charge-offs (x) | 66.6090% | 888 |
| Efficiency ratio | 67.3817% | 3,340 |
| Assets per employee ($millions) | 3.4446% | 4,847 |
| Cash dividends to net income (ytd only)* | 58.1121% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 4,512 |
| Loan loss allowance to noncurrent loans | 152.9859% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.5086% | 3,419 |
| Noncurrent loans to loans | 0.6406% | 3,099 |
| Net loans and leases to total assets | 78.6087% | 1,097 |
| Net loans and leases to deposits | 91.9945% | 1,500 |
| Net loans and leases to core deposits | 99.8867% | 1,646 |
| Total domestic deposits to total assets | 85.4493% | 2,624 |
| Equity capital to assets | 8.4217% | 5,574 |
| Core capital (leverage) ratio | 8.6355% | 5,226 |
| Tier 1 risk-based capital ratio | 12.2603% | 4,634 |
| Total risk-based capital ratio | 13.4147% | 4,593 |
| Memoranda: | ||
| Average total assets | $643,679,750 | 1,104 |
| Average earning assets | $593,383,500 | 1,103 |
| Average equity | $54,868,500 | 1,409 |
| Average total loans | $517,388,000 | 947 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4929% | 1,533 |
| Cost of funding earning assets | 0.3486% | 3,590 |
| Net interest margin | 4.1443% | 1,252 |
| Noninterest income to average assets | 1.4904% | 533 |
| Noninterest expense to average assets | 3.6271% | 968 |
| Loan and lease loss provision to assets | 0.0473% | 3,204 |
| Net operating income to assets | 1.2697% | 1,356 |
| Return on assets (ROA) | 1.2741% | 1,467 |
| Pretax return on assets | 1.6452% | 1,232 |
| Return on Equity (ROE) | 14.8834% | 690 |
| Retained earnings to average equity (ytd only) | 5.1232% | 2,645 |
| Net charge-offs to loans | 0.0488% | 2,506 |
| Credit loss provision to net charge-offs | 120.0000% | 1,864 |
| Earnings coverage of net charge-offs (x) | 42.8000% | 1,109 |
| Efficiency ratio | 67.7525% | 3,389 |
| Assets per employee ($millions) | 3.3445% | 5,002 |
| Cash dividends to net income (ytd only)* | 65.5778% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 4,380 |
| Loan loss allowance to noncurrent loans | 152.7177% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 3,420 |
| Noncurrent loans to loans | 0.6712% | 3,054 |
| Net loans and leases to total assets | 79.4059% | 1,000 |
| Net loans and leases to deposits | 91.8198% | 1,536 |
| Net loans and leases to core deposits | 98.3114% | 1,781 |
| Total domestic deposits to total assets | 86.4801% | 2,181 |
| Equity capital to assets | 8.7327% | 5,461 |
| Core capital (leverage) ratio | 8.4260% | 5,425 |
| Tier 1 risk-based capital ratio | 12.1584% | 4,724 |
| Total risk-based capital ratio | 13.3311% | 4,695 |
| Memoranda: | ||
| Average total assets | $634,342,000 | 1,117 |
| Average earning assets | $585,239,670 | 1,118 |
| Average equity | $54,302,000 | 1,425 |
| Average total loans | $512,105,670 | 956 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4034% | 1,791 |
| Cost of funding earning assets | 0.3466% | 3,633 |
| Net interest margin | 4.0568% | 1,456 |
| Noninterest income to average assets | 1.3733% | 588 |
| Noninterest expense to average assets | 3.6132% | 1,000 |
| Loan and lease loss provision to assets | 0.0473% | 2,972 |
| Net operating income to assets | 1.1474% | 1,720 |
| Return on assets (ROA) | 1.1474% | 1,834 |
| Pretax return on assets | 1.4655% | 1,699 |
| Return on Equity (ROE) | 13.5422% | 921 |
| Retained earnings to average equity (ytd only) | 3.8585% | 3,570 |
| Net charge-offs to loans | 0.1177% | 1,416 |
| Credit loss provision to net charge-offs | 49.6689% | 2,057 |
| Earnings coverage of net charge-offs (x) | 15.8742% | 1,648 |
| Efficiency ratio | 69.9581% | 3,138 |
| Assets per employee ($millions) | 3.4394% | 4,900 |
| Cash dividends to net income (ytd only)* | 71.5072% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9859% | 4,689 |
| Loan loss allowance to noncurrent loans | 166.1803% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.4821% | 3,674 |
| Noncurrent loans to loans | 0.5932% | 3,413 |
| Net loans and leases to total assets | 80.4587% | 754 |
| Net loans and leases to deposits | 91.8310% | 1,371 |
| Net loans and leases to core deposits | 103.1621% | 1,252 |
| Total domestic deposits to total assets | 87.6160% | 1,857 |
| Equity capital to assets | 8.4744% | 5,585 |
| Core capital (leverage) ratio | 8.4832% | 5,407 |
| Tier 1 risk-based capital ratio | 11.9388% | 4,947 |
| Total risk-based capital ratio | 13.0878% | 4,927 |
| Memoranda: | ||
| Average total assets | $633,788,500 | 1,117 |
| Average earning assets | $586,280,500 | 1,114 |
| Average equity | $53,699,000 | 1,436 |
| Average total loans | $513,253,500 | 950 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 1,876 |
| Cost of funding earning assets | 0.3503% | 3,699 |
| Net interest margin | 4.0571% | 1,545 |
| Noninterest income to average assets | 1.5641% | 513 |
| Noninterest expense to average assets | 3.5437% | 1,223 |
| Loan and lease loss provision to assets | 0.0890% | 2,520 |
| Net operating income to assets | 1.3095% | 1,246 |
| Return on assets (ROA) | 1.3162% | 1,281 |
| Pretax return on assets | 1.6886% | 1,028 |
| Return on Equity (ROE) | 15.5407% | 606 |
| Retained earnings to average equity (ytd only) | 5.8015% | 1,893 |
| Net charge-offs to loans | 0.0087% | 4,155 |
| Credit loss provision to net charge-offs | 1,279.0698% | 264 |
| Earnings coverage of net charge-offs (x) | 254.3721% | 280 |
| Efficiency ratio | 66.1816% | 3,877 |
| Assets per employee ($millions) | 3.3396% | 5,086 |
| Cash dividends to net income (ytd only)* | 62.6690% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 4,458 |
| Loan loss allowance to noncurrent loans | 154.9300% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.5347% | 3,501 |
| Noncurrent loans to loans | 0.6626% | 3,203 |
| Net loans and leases to total assets | 79.8702% | 864 |
| Net loans and leases to deposits | 89.2739% | 1,713 |
| Net loans and leases to core deposits | 101.5403% | 1,400 |
| Total domestic deposits to total assets | 89.4664% | 873 |
| Equity capital to assets | 8.4709% | 5,588 |
| Core capital (leverage) ratio | 8.4968% | 5,440 |
| Tier 1 risk-based capital ratio | 12.1686% | 4,848 |
| Total risk-based capital ratio | 13.3651% | 4,781 |
| Memoranda: | ||
| Average total assets | $618,310,800 | 1,104 |
| Average earning assets | $571,299,200 | 1,091 |
| Average equity | $52,365,600 | 1,421 |
| Average total loans | $496,748,200 | 945 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4067% | 1,903 |
| Cost of funding earning assets | 0.3583% | 3,665 |
| Net interest margin | 4.0484% | 1,567 |
| Noninterest income to average assets | 1.5791% | 506 |
| Noninterest expense to average assets | 3.5298% | 1,236 |
| Loan and lease loss provision to assets | 0.0866% | 2,433 |
| Net operating income to assets | 1.3259% | 1,274 |
| Return on assets (ROA) | 1.3328% | 1,313 |
| Pretax return on assets | 1.7095% | 1,081 |
| Return on Equity (ROE) | 15.7381% | 632 |
| Retained earnings to average equity (ytd only) | 5.7692% | 2,389 |
| Net charge-offs to loans | 0.0135% | 3,702 |
| Credit loss provision to net charge-offs | 800.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 165.1075% | 429 |
| Efficiency ratio | 65.8660% | 3,911 |
| Assets per employee ($millions) | 3.2251% | 5,248 |
| Cash dividends to net income (ytd only)* | 63.3425% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 4,760 |
| Loan loss allowance to noncurrent loans | 181.1131% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 3,959 |
| Noncurrent loans to loans | 0.5508% | 3,689 |
| Net loans and leases to total assets | 80.8457% | 715 |
| Net loans and leases to deposits | 91.6930% | 1,446 |
| Net loans and leases to core deposits | 100.3890% | 1,478 |
| Total domestic deposits to total assets | 88.1700% | 1,468 |
| Equity capital to assets | 8.6204% | 5,630 |
| Core capital (leverage) ratio | 8.5286% | 5,530 |
| Tier 1 risk-based capital ratio | 12.3319% | 4,866 |
| Total risk-based capital ratio | 13.5259% | 4,803 |
| Memoranda: | ||
| Average total assets | $615,928,500 | 1,113 |
| Average earning assets | $568,671,250 | 1,106 |
| Average equity | $52,161,000 | 1,435 |
| Average total loans | $494,270,750 | 953 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3717% | 1,942 |
| Cost of funding earning assets | 0.3778% | 3,523 |
| Net interest margin | 3.9939% | 1,656 |
| Noninterest income to average assets | 1.5666% | 523 |
| Noninterest expense to average assets | 3.4962% | 1,300 |
| Loan and lease loss provision to assets | 0.0813% | 2,481 |
| Net operating income to assets | 1.3112% | 1,288 |
| Return on assets (ROA) | 1.3112% | 1,343 |
| Pretax return on assets | 1.6792% | 1,125 |
| Return on Equity (ROE) | 15.5772% | 658 |
| Retained earnings to average equity (ytd only) | 5.3367% | 2,649 |
| Net charge-offs to loans | 0.0106% | 3,543 |
| Credit loss provision to net charge-offs | 961.5385% | 374 |
| Earnings coverage of net charge-offs (x) | 208.1538% | 339 |
| Efficiency ratio | 65.9839% | 4,010 |
| Assets per employee ($millions) | 3.2430% | 5,270 |
| Cash dividends to net income (ytd only)* | 65.7405% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 4,726 |
| Loan loss allowance to noncurrent loans | 165.4001% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.5242% | 3,866 |
| Noncurrent loans to loans | 0.6213% | 3,606 |
| Net loans and leases to total assets | 78.9686% | 943 |
| Net loans and leases to deposits | 92.0359% | 1,371 |
| Net loans and leases to core deposits | 97.6795% | 1,672 |
| Total domestic deposits to total assets | 85.8019% | 2,793 |
| Equity capital to assets | 8.7060% | 5,518 |
| Core capital (leverage) ratio | 8.2683% | 5,734 |
| Tier 1 risk-based capital ratio | 12.4105% | 4,869 |
| Total risk-based capital ratio | 13.6028% | 4,807 |
| Memoranda: | ||
| Average total assets | $614,833,330 | 1,122 |
| Average earning assets | $568,068,670 | 1,110 |
| Average equity | $51,755,000 | 1,453 |
| Average total loans | $490,477,000 | 955 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2480% | 2,279 |
| Cost of funding earning assets | 0.3860% | 3,455 |
| Net interest margin | 3.8620% | 2,025 |
| Noninterest income to average assets | 1.4887% | 548 |
| Noninterest expense to average assets | 3.3831% | 1,519 |
| Loan and lease loss provision to assets | 0.0643% | 2,644 |
| Net operating income to assets | 1.2683% | 1,364 |
| Return on assets (ROA) | 1.2683% | 1,445 |
| Pretax return on assets | 1.6237% | 1,210 |
| Return on Equity (ROE) | 15.3194% | 664 |
| Retained earnings to average equity (ytd only) | 4.8373% | 3,155 |
| Net charge-offs to loans | 0.0169% | 2,828 |
| Credit loss provision to net charge-offs | 476.1905% | 576 |
| Earnings coverage of net charge-offs (x) | 125.0476% | 412 |
| Efficiency ratio | 66.1681% | 4,130 |
| Assets per employee ($millions) | 3.3419% | 5,177 |
| Cash dividends to net income (ytd only)* | 68.4237% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 5,244 |
| Loan loss allowance to noncurrent loans | 106.2319% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.7706% | 3,183 |
| Noncurrent loans to loans | 0.8956% | 2,999 |
| Net loans and leases to total assets | 79.9372% | 691 |
| Net loans and leases to deposits | 90.6640% | 1,326 |
| Net loans and leases to core deposits | 101.2908% | 1,237 |
| Total domestic deposits to total assets | 88.1685% | 1,722 |
| Equity capital to assets | 8.3599% | 5,830 |
| Core capital (leverage) ratio | 8.2131% | 5,797 |
| Tier 1 risk-based capital ratio | 12.2467% | 5,074 |
| Total risk-based capital ratio | 13.4059% | 5,050 |
| Memoranda: | ||
| Average total assets | $622,273,000 | 1,116 |
| Average earning assets | $577,215,500 | 1,097 |
| Average equity | $51,516,500 | 1,467 |
| Average total loans | $496,368,500 | 946 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5362% | 1,741 |
| Cost of funding earning assets | 0.3865% | 3,837 |
| Net interest margin | 4.1497% | 1,433 |
| Noninterest income to average assets | 1.4322% | 593 |
| Noninterest expense to average assets | 3.5675% | 1,364 |
| Loan and lease loss provision to assets | 0.0582% | 3,377 |
| Net operating income to assets | 1.3035% | 1,299 |
| Return on assets (ROA) | 1.3426% | 1,250 |
| Pretax return on assets | 1.6981% | 990 |
| Return on Equity (ROE) | 15.6268% | 674 |
| Retained earnings to average equity (ytd only) | 5.9104% | 1,977 |
| Net charge-offs to loans | 0.0625% | 3,596 |
| Credit loss provision to net charge-offs | 115.7718% | 2,062 |
| Earnings coverage of net charge-offs (x) | 33.9597% | 1,220 |
| Efficiency ratio | 67.0930% | 4,042 |
| Assets per employee ($millions) | 3.3492% | 5,172 |
| Cash dividends to net income (ytd only)* | 62.1781% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 5,269 |
| Loan loss allowance to noncurrent loans | 102.5115% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 0.7827% | 3,247 |
| Noncurrent loans to loans | 0.9324% | 2,986 |
| Net loans and leases to total assets | 78.0775% | 988 |
| Net loans and leases to deposits | 87.9416% | 1,742 |
| Net loans and leases to core deposits | 100.6213% | 1,349 |
| Total domestic deposits to total assets | 88.7834% | 1,367 |
| Equity capital to assets | 8.1978% | 5,965 |
| Core capital (leverage) ratio | 8.0625% | 5,956 |
| Tier 1 risk-based capital ratio | 12.3677% | 5,116 |
| Total risk-based capital ratio | 13.5494% | 5,072 |
| Memoranda: | ||
| Average total assets | $592,943,000 | 1,119 |
| Average earning assets | $548,983,600 | 1,099 |
| Average equity | $50,944,400 | 1,427 |
| Average total loans | $476,454,400 | 929 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 1,623 |
| Cost of funding earning assets | 0.3960% | 3,832 |
| Net interest margin | 4.1794% | 1,351 |
| Noninterest income to average assets | 1.4594% | 589 |
| Noninterest expense to average assets | 3.5724% | 1,341 |
| Loan and lease loss provision to assets | 0.0683% | 2,973 |
| Net operating income to assets | 1.3174% | 1,321 |
| Return on assets (ROA) | 1.3665% | 1,245 |
| Pretax return on assets | 1.7488% | 983 |
| Return on Equity (ROE) | 15.7125% | 713 |
| Retained earnings to average equity (ytd only) | 5.8922% | 2,471 |
| Net charge-offs to loans | 0.0533% | 3,453 |
| Credit loss provision to net charge-offs | 158.7302% | 1,516 |
| Earnings coverage of net charge-offs (x) | 40.7572% | 1,117 |
| Efficiency ratio | 66.5184% | 4,133 |
| Assets per employee ($millions) | 3.2004% | 5,430 |
| Cash dividends to net income (ytd only)* | 62.5001% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9763% | 5,312 |
| Loan loss allowance to noncurrent loans | 123.2323% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 3,731 |
| Noncurrent loans to loans | 0.7922% | 3,602 |
| Net loans and leases to total assets | 80.2102% | 694 |
| Net loans and leases to deposits | 90.6322% | 1,367 |
| Net loans and leases to core deposits | 99.8347% | 1,381 |
| Total domestic deposits to total assets | 88.5008% | 1,495 |
| Equity capital to assets | 8.6885% | 5,649 |
| Core capital (leverage) ratio | 8.1891% | 5,945 |
| Tier 1 risk-based capital ratio | 12.4842% | 5,178 |
| Total risk-based capital ratio | 13.7152% | 5,123 |
| Memoranda: | ||
| Average total assets | $585,441,500 | 1,137 |
| Average earning assets | $541,727,500 | 1,122 |
| Average equity | $50,913,500 | 1,432 |
| Average total loans | $472,798,750 | 943 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5965% | 1,539 |
| Cost of funding earning assets | 0.4080% | 3,792 |
| Net interest margin | 4.1885% | 1,277 |
| Noninterest income to average assets | 1.3689% | 645 |
| Noninterest expense to average assets | 3.5291% | 1,425 |
| Loan and lease loss provision to assets | 0.0517% | 3,268 |
| Net operating income to assets | 1.3034% | 1,298 |
| Return on assets (ROA) | 1.3203% | 1,301 |
| Pretax return on assets | 1.6816% | 1,056 |
| Return on Equity (ROE) | 15.1767% | 767 |
| Retained earnings to average equity (ytd only) | 5.0695% | 2,919 |
| Net charge-offs to loans | 0.0799% | 2,892 |
| Credit loss provision to net charge-offs | 80.2139% | 2,329 |
| Earnings coverage of net charge-offs (x) | 26.5508% | 1,366 |
| Efficiency ratio | 66.7763% | 4,231 |
| Assets per employee ($millions) | 3.1528% | 5,502 |
| Cash dividends to net income (ytd only)* | 66.5970% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 5,363 |
| Loan loss allowance to noncurrent loans | 162.6676% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 4,406 |
| Noncurrent loans to loans | 0.6131% | 4,186 |
| Net loans and leases to total assets | 80.1934% | 667 |
| Net loans and leases to deposits | 92.9097% | 1,060 |
| Net loans and leases to core deposits | 97.8474% | 1,455 |
| Total domestic deposits to total assets | 86.3133% | 2,870 |
| Equity capital to assets | 9.0212% | 5,273 |
| Core capital (leverage) ratio | 8.1257% | 6,002 |
| Tier 1 risk-based capital ratio | 12.0804% | 5,494 |
| Total risk-based capital ratio | 13.2932% | 5,452 |
| Memoranda: | ||
| Average total assets | $580,027,670 | 1,141 |
| Average earning assets | $536,235,330 | 1,132 |
| Average equity | $50,459,000 | 1,437 |
| Average total loans | $467,942,000 | 946 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5219% | 1,736 |
| Cost of funding earning assets | 0.4215% | 3,744 |
| Net interest margin | 4.1005% | 1,450 |
| Noninterest income to average assets | 1.2943% | 668 |
| Noninterest expense to average assets | 3.4704% | 1,548 |
| Loan and lease loss provision to assets | 0.0513% | 3,074 |
| Net operating income to assets | 1.2337% | 1,391 |
| Return on assets (ROA) | 1.2567% | 1,383 |
| Pretax return on assets | 1.6022% | 1,167 |
| Return on Equity (ROE) | 14.7113% | 819 |
| Retained earnings to average equity (ytd only) | 4.3005% | 3,550 |
| Net charge-offs to loans | 0.0238% | 3,093 |
| Credit loss provision to net charge-offs | 267.8571% | 856 |
| Earnings coverage of net charge-offs (x) | 84.7857% | 518 |
| Efficiency ratio | 67.5440% | 4,264 |
| Assets per employee ($millions) | 3.1796% | 5,556 |
| Cash dividends to net income (ytd only)* | 70.7676% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 5,583 |
| Loan loss allowance to noncurrent loans | 266.8562% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 4,992 |
| Noncurrent loans to loans | 0.3692% | 5,020 |
| Net loans and leases to total assets | 80.6376% | 489 |
| Net loans and leases to deposits | 90.8696% | 1,051 |
| Net loans and leases to core deposits | 100.7266% | 1,054 |
| Total domestic deposits to total assets | 88.7399% | 1,809 |
| Equity capital to assets | 8.6139% | 5,535 |
| Core capital (leverage) ratio | 8.0491% | 6,087 |
| Tier 1 risk-based capital ratio | 11.7759% | 5,777 |
| Total risk-based capital ratio | 12.9972% | 5,723 |
| Memoranda: | ||
| Average total assets | $584,709,500 | 1,142 |
| Average earning assets | $541,891,000 | 1,129 |
| Average equity | $49,948,000 | 1,445 |
| Average total loans | $470,790,500 | 945 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6669% | 1,665 |
| Cost of funding earning assets | 0.4619% | 4,001 |
| Net interest margin | 4.2050% | 1,337 |
| Noninterest income to average assets | 1.4827% | 638 |
| Noninterest expense to average assets | 3.6766% | 1,320 |
| Loan and lease loss provision to assets | 0.0537% | 4,069 |
| Net operating income to assets | 1.2941% | 1,266 |
| Return on assets (ROA) | 1.2939% | 1,318 |
| Pretax return on assets | 1.6414% | 1,070 |
| Return on Equity (ROE) | 15.8999% | 632 |
| Retained earnings to average equity (ytd only) | 5.7165% | 2,150 |
| Net charge-offs to loans | 0.0686% | 4,250 |
| Credit loss provision to net charge-offs | 96.8254% | 2,578 |
| Earnings coverage of net charge-offs (x) | 30.5873% | 1,167 |
| Efficiency ratio | 67.8818% | 4,216 |
| Assets per employee ($millions) | 3.1084% | 5,654 |
| Cash dividends to net income (ytd only)* | 64.0468% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 5,572 |
| Loan loss allowance to noncurrent loans | 273.8362% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 5,098 |
| Noncurrent loans to loans | 0.3648% | 5,094 |
| Net loans and leases to total assets | 78.7978% | 734 |
| Net loans and leases to deposits | 88.6434% | 1,391 |
| Net loans and leases to core deposits | 101.2932% | 1,070 |
| Total domestic deposits to total assets | 88.8930% | 1,698 |
| Equity capital to assets | 8.4707% | 5,613 |
| Core capital (leverage) ratio | 7.9595% | 6,166 |
| Tier 1 risk-based capital ratio | 11.9928% | 5,616 |
| Total risk-based capital ratio | 13.2380% | 5,561 |
| Memoranda: | ||
| Average total assets | $568,343,800 | 1,164 |
| Average earning assets | $525,657,600 | 1,152 |
| Average equity | $46,251,800 | 1,512 |
| Average total loans | $459,173,600 | 930 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6724% | 1,668 |
| Cost of funding earning assets | 0.4714% | 4,055 |
| Net interest margin | 4.2010% | 1,330 |
| Noninterest income to average assets | 1.5125% | 633 |
| Noninterest expense to average assets | 3.6001% | 1,399 |
| Loan and lease loss provision to assets | 0.0543% | 3,949 |
| Net operating income to assets | 1.3651% | 1,188 |
| Return on assets (ROA) | 1.3649% | 1,236 |
| Pretax return on assets | 1.7422% | 1,012 |
| Return on Equity (ROE) | 16.9510% | 544 |
| Retained earnings to average equity (ytd only) | 6.5052% | 2,128 |
| Net charge-offs to loans | 0.0332% | 4,468 |
| Credit loss provision to net charge-offs | 201.7544% | 1,196 |
| Earnings coverage of net charge-offs (x) | 66.7089% | 689 |
| Efficiency ratio | 66.1472% | 4,452 |
| Assets per employee ($millions) | 3.0845% | 5,708 |
| Cash dividends to net income (ytd only)* | 61.6237% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 5,700 |
| Loan loss allowance to noncurrent loans | 189.3296% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 4,869 |
| Noncurrent loans to loans | 0.5295% | 4,870 |
| Net loans and leases to total assets | 82.1493% | 358 |
| Net loans and leases to deposits | 92.6122% | 933 |
| Net loans and leases to core deposits | 104.1270% | 875 |
| Total domestic deposits to total assets | 88.7024% | 1,722 |
| Equity capital to assets | 8.0743% | 6,101 |
| Core capital (leverage) ratio | 7.9678% | 6,242 |
| Tier 1 risk-based capital ratio | 11.6896% | 5,953 |
| Total risk-based capital ratio | 12.9339% | 5,917 |
| Memoranda: | ||
| Average total assets | $564,335,250 | 1,183 |
| Average earning assets | $521,799,000 | 1,174 |
| Average equity | $45,439,500 | 1,552 |
| Average total loans | $457,686,000 | 933 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6400% | 1,728 |
| Cost of funding earning assets | 0.4800% | 4,096 |
| Net interest margin | 4.1600% | 1,380 |
| Noninterest income to average assets | 1.5078% | 686 |
| Noninterest expense to average assets | 3.6354% | 1,358 |
| Loan and lease loss provision to assets | 0.0481% | 4,015 |
| Net operating income to assets | 1.3064% | 1,311 |
| Return on assets (ROA) | 1.3061% | 1,394 |
| Pretax return on assets | 1.6721% | 1,181 |
| Return on Equity (ROE) | 16.2367% | 639 |
| Retained earnings to average equity (ytd only) | 5.1169% | 2,975 |
| Net charge-offs to loans | 0.0177% | 4,489 |
| Credit loss provision to net charge-offs | 337.5000% | 771 |
| Earnings coverage of net charge-offs (x) | 120.7000% | 401 |
| Efficiency ratio | 67.3099% | 4,310 |
| Assets per employee ($millions) | 2.9180% | 5,991 |
| Cash dividends to net income (ytd only)* | 68.4857% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 5,592 |
| Loan loss allowance to noncurrent loans | 158.0313% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.6691% | 4,548 |
| Noncurrent loans to loans | 0.6691% | 4,600 |
| Net loans and leases to total assets | 81.4846% | 392 |
| Net loans and leases to deposits | 93.4142% | 850 |
| Net loans and leases to core deposits | 98.8350% | 1,154 |
| Total domestic deposits to total assets | 87.2294% | 2,697 |
| Equity capital to assets | 8.3127% | 5,959 |
| Core capital (leverage) ratio | 7.9366% | 6,226 |
| Tier 1 risk-based capital ratio | 11.8429% | 5,885 |
| Total risk-based capital ratio | 13.1116% | 5,828 |
| Memoranda: | ||
| Average total assets | $561,205,670 | 1,194 |
| Average earning assets | $519,139,670 | 1,189 |
| Average equity | $45,144,670 | 1,568 |
| Average total loans | $451,553,670 | 942 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5160% | 2,111 |
| Cost of funding earning assets | 0.4862% | 4,220 |
| Net interest margin | 4.0298% | 1,681 |
| Noninterest income to average assets | 1.5037% | 683 |
| Noninterest expense to average assets | 3.5868% | 1,444 |
| Loan and lease loss provision to assets | 0.0422% | 3,900 |
| Net operating income to assets | 1.2560% | 1,385 |
| Return on assets (ROA) | 1.2577% | 1,482 |
| Pretax return on assets | 1.6057% | 1,295 |
| Return on Equity (ROE) | 15.8890% | 627 |
| Retained earnings to average equity (ytd only) | 4.6983% | 3,417 |
| Net charge-offs to loans | 0.0027% | 4,118 |
| Credit loss provision to net charge-offs | 2,000.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 780.3333% | 31 |
| Efficiency ratio | 67.9699% | 4,313 |
| Assets per employee ($millions) | 3.0362% | 5,918 |
| Cash dividends to net income (ytd only)* | 70.4304% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 5,802 |
| Loan loss allowance to noncurrent loans | 202.0574% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.5343% | 5,056 |
| Noncurrent loans to loans | 0.5185% | 5,140 |
| Net loans and leases to total assets | 79.2711% | 497 |
| Net loans and leases to deposits | 89.4894% | 1,006 |
| Net loans and leases to core deposits | 98.9563% | 1,009 |
| Total domestic deposits to total assets | 88.5815% | 1,947 |
| Equity capital to assets | 8.0628% | 6,345 |
| Core capital (leverage) ratio | 7.8023% | 6,286 |
| Tier 1 risk-based capital ratio | 11.8953% | 5,978 |
| Total risk-based capital ratio | 13.1623% | 5,938 |
| Memoranda: | ||
| Average total assets | $568,978,500 | 1,192 |
| Average earning assets | $526,481,000 | 1,171 |
| Average equity | $45,037,500 | 1,589 |
| Average total loans | $452,640,000 | 942 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8637% | 1,969 |
| Cost of funding earning assets | 0.6439% | 3,972 |
| Net interest margin | 4.2198% | 1,604 |
| Noninterest income to average assets | 1.7765% | 523 |
| Noninterest expense to average assets | 4.0970% | 861 |
| Loan and lease loss provision to assets | 0.1179% | 4,150 |
| Net operating income to assets | 1.1531% | 1,761 |
| Return on assets (ROA) | 1.2493% | 1,610 |
| Pretax return on assets | 1.5674% | 1,467 |
| Return on Equity (ROE) | 16.8196% | 557 |
| Retained earnings to average equity (ytd only) | 5.5119% | 2,376 |
| Net charge-offs to loans | 0.0515% | 5,203 |
| Credit loss provision to net charge-offs | 288.2096% | 845 |
| Earnings coverage of net charge-offs (x) | 38.2445% | 841 |
| Efficiency ratio | 71.8186% | 3,452 |
| Assets per employee ($millions) | 3.1319% | 5,778 |
| Cash dividends to net income (ytd only)* | 67.2293% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 5,886 |
| Loan loss allowance to noncurrent loans | 148.0292% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.7285% | 4,659 |
| Noncurrent loans to loans | 0.6910% | 4,812 |
| Net loans and leases to total assets | 78.2018% | 649 |
| Net loans and leases to deposits | 88.2100% | 1,243 |
| Net loans and leases to core deposits | 97.4494% | 1,187 |
| Total domestic deposits to total assets | 88.6542% | 1,806 |
| Equity capital to assets | 7.7720% | 6,513 |
| Core capital (leverage) ratio | 7.5550% | 6,471 |
| Tier 1 risk-based capital ratio | 11.6519% | 5,994 |
| Total risk-based capital ratio | 12.9089% | 5,950 |
| Memoranda: | ||
| Average total assets | $559,582,600 | 1,190 |
| Average earning assets | $515,265,200 | 1,178 |
| Average equity | $41,564,600 | 1,677 |
| Average total loans | $444,705,400 | 934 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8940% | 2,031 |
| Cost of funding earning assets | 0.6667% | 4,051 |
| Net interest margin | 4.2273% | 1,651 |
| Noninterest income to average assets | 1.6624% | 550 |
| Noninterest expense to average assets | 3.9981% | 930 |
| Loan and lease loss provision to assets | 0.1224% | 4,020 |
| Net operating income to assets | 1.1460% | 1,920 |
| Return on assets (ROA) | 1.1544% | 2,083 |
| Pretax return on assets | 1.4430% | 2,101 |
| Return on Equity (ROE) | 15.7311% | 779 |
| Retained earnings to average equity (ytd only) | 3.9549% | 4,101 |
| Net charge-offs to loans | 0.0543% | 4,893 |
| Credit loss provision to net charge-offs | 283.3333% | 957 |
| Earnings coverage of net charge-offs (x) | 35.9839% | 953 |
| Efficiency ratio | 71.4465% | 3,423 |
| Assets per employee ($millions) | 3.0314% | 6,001 |
| Cash dividends to net income (ytd only)* | 74.8596% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 6,154 |
| Loan loss allowance to noncurrent loans | 128.2297% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.8597% | 4,574 |
| Noncurrent loans to loans | 0.7646% | 4,883 |
| Net loans and leases to total assets | 79.0529% | 596 |
| Net loans and leases to deposits | 90.8388% | 1,061 |
| Net loans and leases to core deposits | 99.6366% | 1,147 |
| Total domestic deposits to total assets | 87.0255% | 2,654 |
| Equity capital to assets | 7.1890% | 6,849 |
| Core capital (leverage) ratio | 7.5566% | 6,589 |
| Tier 1 risk-based capital ratio | 10.9695% | 6,492 |
| Total risk-based capital ratio | 12.1709% | 6,489 |
| Memoranda: | ||
| Average total assets | $555,412,250 | 1,216 |
| Average earning assets | $511,166,750 | 1,204 |
| Average equity | $40,759,000 | 1,727 |
| Average total loans | $442,055,250 | 946 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9376% | 1,970 |
| Cost of funding earning assets | 0.6958% | 4,048 |
| Net interest margin | 4.2419% | 1,631 |
| Noninterest income to average assets | 1.4736% | 670 |
| Noninterest expense to average assets | 4.0081% | 932 |
| Loan and lease loss provision to assets | 0.1317% | 3,879 |
| Net operating income to assets | 1.0052% | 2,441 |
| Return on assets (ROA) | 1.0184% | 2,613 |
| Pretax return on assets | 1.2475% | 2,732 |
| Return on Equity (ROE) | 13.7779% | 1,174 |
| Retained earnings to average equity (ytd only) | 1.6486% | 5,379 |
| Net charge-offs to loans | 0.0032% | 5,474 |
| Credit loss provision to net charge-offs | 5,142.8571% | 58 |
| Earnings coverage of net charge-offs (x) | 532.1429% | 75 |
| Efficiency ratio | 74.0428% | 3,068 |
| Assets per employee ($millions) | 2.8985% | 6,240 |
| Cash dividends to net income (ytd only)* | 88.0345% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 5,967 |
| Loan loss allowance to noncurrent loans | 84.4990% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.3067% | 3,814 |
| Noncurrent loans to loans | 1.2417% | 4,065 |
| Net loans and leases to total assets | 80.9736% | 407 |
| Net loans and leases to deposits | 93.7050% | 801 |
| Net loans and leases to core deposits | 99.7065% | 1,120 |
| Total domestic deposits to total assets | 86.4133% | 3,132 |
| Equity capital to assets | 7.6393% | 6,743 |
| Core capital (leverage) ratio | 7.5728% | 6,584 |
| Tier 1 risk-based capital ratio | 10.9482% | 6,525 |
| Total risk-based capital ratio | 12.1752% | 6,514 |
| Memoranda: | ||
| Average total assets | $546,539,000 | 1,240 |
| Average earning assets | $502,185,330 | 1,225 |
| Average equity | $40,398,000 | 1,728 |
| Average total loans | $434,517,330 | 962 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8785% | 2,327 |
| Cost of funding earning assets | 0.7079% | 4,211 |
| Net interest margin | 4.1705% | 1,850 |
| Noninterest income to average assets | 1.3436% | 790 |
| Noninterest expense to average assets | 3.9570% | 986 |
| Loan and lease loss provision to assets | 0.1302% | 3,721 |
| Net operating income to assets | 0.9018% | 2,903 |
| Return on assets (ROA) | 0.9271% | 3,007 |
| Pretax return on assets | 1.1209% | 3,240 |
| Return on Equity (ROE) | 12.7480% | 1,479 |
| Retained earnings to average equity (ytd only) | 0.8154% | 5,731 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4246% | 2,725 |
| Assets per employee ($millions) | 3.3603% | 5,435 |
| Cash dividends to net income (ytd only)* | 93.6037% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 6,221 |
| Loan loss allowance to noncurrent loans | 66.1065% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.4593% | 3,678 |
| Noncurrent loans to loans | 1.5226% | 3,834 |
| Net loans and leases to total assets | 78.1548% | 575 |
| Net loans and leases to deposits | 90.4447% | 927 |
| Net loans and leases to core deposits | 99.4640% | 1,017 |
| Total domestic deposits to total assets | 86.4117% | 3,294 |
| Equity capital to assets | 7.2674% | 6,859 |
| Core capital (leverage) ratio | 7.5524% | 6,599 |
| Tier 1 risk-based capital ratio | 10.8624% | 6,594 |
| Total risk-based capital ratio | 12.0430% | 6,614 |
| Memoranda: | ||
| Average total assets | $553,147,500 | 1,230 |
| Average earning assets | $508,519,000 | 1,214 |
| Average equity | $40,226,000 | 1,726 |
| Average total loans | $433,561,500 | 962 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1148% | 2,392 |
| Cost of funding earning assets | 0.8379% | 4,561 |
| Net interest margin | 4.2769% | 1,777 |
| Noninterest income to average assets | 1.3919% | 663 |
| Noninterest expense to average assets | 3.8858% | 1,201 |
| Loan and lease loss provision to assets | 0.1537% | 4,699 |
| Net operating income to assets | 1.0464% | 2,016 |
| Return on assets (ROA) | 1.0762% | 2,039 |
| Pretax return on assets | 1.3199% | 2,055 |
| Return on Equity (ROE) | 13.0868% | 1,141 |
| Retained earnings to average equity (ytd only) | 1.8737% | 4,876 |
| Net charge-offs to loans | 0.0754% | 5,564 |
| Credit loss provision to net charge-offs | 254.9342% | 947 |
| Earnings coverage of net charge-offs (x) | 23.8421% | 1,005 |
| Efficiency ratio | 72.9985% | 3,390 |
| Assets per employee ($millions) | 3.4276% | 5,185 |
| Cash dividends to net income (ytd only)* | 85.6827% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9842% | 6,288 |
| Loan loss allowance to noncurrent loans | 68.1064% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.3919% | 3,909 |
| Noncurrent loans to loans | 1.4451% | 4,003 |
| Net loans and leases to total assets | 77.0437% | 817 |
| Net loans and leases to deposits | 89.6426% | 1,199 |
| Net loans and leases to core deposits | 99.2998% | 1,234 |
| Total domestic deposits to total assets | 85.9454% | 3,351 |
| Equity capital to assets | 7.2770% | 6,883 |
| Core capital (leverage) ratio | 7.5209% | 6,637 |
| Tier 1 risk-based capital ratio | 11.0029% | 6,455 |
| Total risk-based capital ratio | 12.1497% | 6,485 |
| Memoranda: | ||
| Average total assets | $504,271,800 | 1,327 |
| Average earning assets | $463,515,400 | 1,323 |
| Average equity | $41,469,200 | 1,619 |
| Average total loans | $403,323,400 | 1,058 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1140% | 2,537 |
| Cost of funding earning assets | 0.8705% | 4,632 |
| Net interest margin | 4.2435% | 1,937 |
| Noninterest income to average assets | 1.3372% | 733 |
| Noninterest expense to average assets | 3.9511% | 1,072 |
| Loan and lease loss provision to assets | 0.1219% | 4,910 |
| Net operating income to assets | 0.9477% | 2,539 |
| Return on assets (ROA) | 0.9878% | 2,519 |
| Pretax return on assets | 1.2183% | 2,573 |
| Return on Equity (ROE) | 11.6369% | 1,636 |
| Retained earnings to average equity (ytd only) | 0.4721% | 5,808 |
| Net charge-offs to loans | 0.0064% | 6,084 |
| Credit loss provision to net charge-offs | 2,368.4211% | 113 |
| Earnings coverage of net charge-offs (x) | 250.8689% | 160 |
| Efficiency ratio | 75.3784% | 2,948 |
| Assets per employee ($millions) | 2.9775% | 6,172 |
| Cash dividends to net income (ytd only)* | 95.9430% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9756% | 6,371 |
| Loan loss allowance to noncurrent loans | 69.7667% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.2219% | 4,353 |
| Noncurrent loans to loans | 1.3984% | 4,199 |
| Net loans and leases to total assets | 77.9775% | 712 |
| Net loans and leases to deposits | 89.8838% | 1,224 |
| Net loans and leases to core deposits | 99.2001% | 1,316 |
| Total domestic deposits to total assets | 86.7537% | 2,792 |
| Equity capital to assets | 7.7825% | 6,808 |
| Core capital (leverage) ratio | 7.6202% | 6,686 |
| Tier 1 risk-based capital ratio | 11.0712% | 6,500 |
| Total risk-based capital ratio | 12.2308% | 6,530 |
| Memoranda: | ||
| Average total assets | $492,377,500 | 1,362 |
| Average earning assets | $453,044,250 | 1,352 |
| Average equity | $41,797,000 | 1,614 |
| Average total loans | $396,806,500 | 1,084 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1537% | 2,446 |
| Cost of funding earning assets | 0.8928% | 4,733 |
| Net interest margin | 4.2608% | 1,796 |
| Noninterest income to average assets | 1.2749% | 774 |
| Noninterest expense to average assets | 3.9690% | 1,096 |
| Loan and lease loss provision to assets | 0.1263% | 4,711 |
| Net operating income to assets | 0.9138% | 2,576 |
| Return on assets (ROA) | 0.9173% | 2,661 |
| Pretax return on assets | 1.1009% | 2,846 |
| Return on Equity (ROE) | 10.4726% | 1,954 |
| Retained earnings to average equity (ytd only) | -0.8270% | 6,024 |
| Net charge-offs to loans | -0.0026% | 6,536 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4439% | 2,946 |
| Assets per employee ($millions) | 2.8168% | 6,442 |
| Cash dividends to net income (ytd only)* | 107.8972% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 6,309 |
| Loan loss allowance to noncurrent loans | 63.6264% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.4124% | 4,096 |
| Noncurrent loans to loans | 1.5787% | 4,031 |
| Net loans and leases to total assets | 78.0480% | 776 |
| Net loans and leases to deposits | 92.0066% | 1,061 |
| Net loans and leases to core deposits | 98.0360% | 1,501 |
| Total domestic deposits to total assets | 84.8287% | 3,953 |
| Equity capital to assets | 8.1257% | 6,577 |
| Core capital (leverage) ratio | 8.3453% | 5,797 |
| Tier 1 risk-based capital ratio | 11.4332% | 6,223 |
| Total risk-based capital ratio | 12.6050% | 6,272 |
| Memoranda: | ||
| Average total assets | $474,878,330 | 1,413 |
| Average earning assets | $436,581,330 | 1,405 |
| Average equity | $41,594,330 | 1,613 |
| Average total loans | $386,053,330 | 1,133 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2289% | 2,116 |
| Cost of funding earning assets | 0.9052% | 4,876 |
| Net interest margin | 4.3237% | 1,493 |
| Noninterest income to average assets | 1.2334% | 835 |
| Noninterest expense to average assets | 3.9589% | 1,089 |
| Loan and lease loss provision to assets | 0.1316% | 4,353 |
| Net operating income to assets | 0.9509% | 2,353 |
| Return on assets (ROA) | 0.9509% | 2,419 |
| Pretax return on assets | 1.1360% | 2,620 |
| Return on Equity (ROE) | 10.4324% | 1,944 |
| Retained earnings to average equity (ytd only) | -1.1164% | 6,009 |
| Net charge-offs to loans | -0.0032% | 6,205 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7469% | 3,197 |
| Assets per employee ($millions) | 2.8851% | 6,383 |
| Cash dividends to net income (ytd only)* | 110.7011% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0508% | 6,222 |
| Loan loss allowance to noncurrent loans | 88.1769% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.2735% | 4,409 |
| Noncurrent loans to loans | 1.1917% | 4,695 |
| Net loans and leases to total assets | 80.2210% | 494 |
| Net loans and leases to deposits | 95.5804% | 720 |
| Net loans and leases to core deposits | 105.8043% | 951 |
| Total domestic deposits to total assets | 83.9304% | 4,515 |
| Equity capital to assets | 9.0604% | 5,113 |
| Core capital (leverage) ratio | 9.6725% | 3,563 |
| Tier 1 risk-based capital ratio | 14.1562% | 3,966 |
| Total risk-based capital ratio | 15.4066% | 3,937 |
| Memoranda: | ||
| Average total assets | $455,987,500 | 1,472 |
| Average earning assets | $421,119,500 | 1,457 |
| Average equity | $41,563,000 | 1,608 |
| Average total loans | $376,989,500 | 1,173 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5972% | 1,898 |
| Cost of funding earning assets | 0.9980% | 5,707 |
| Net interest margin | 4.5992% | 1,017 |
| Noninterest income to average assets | 1.3087% | 858 |
| Noninterest expense to average assets | 3.7342% | 1,620 |
| Loan and lease loss provision to assets | 0.1173% | 5,986 |
| Net operating income to assets | 1.3030% | 1,163 |
| Return on assets (ROA) | 1.3198% | 1,195 |
| Pretax return on assets | 1.7338% | 886 |
| Return on Equity (ROE) | 14.0597% | 869 |
| Retained earnings to average equity (ytd only) | 2.5572% | 4,080 |
| Net charge-offs to loans | 0.0711% | 6,091 |
| Credit loss provision to net charge-offs | 201.5504% | 1,546 |
| Earnings coverage of net charge-offs (x) | 31.4225% | 704 |
| Efficiency ratio | 67.1236% | 4,740 |
| Assets per employee ($millions) | 2.8328% | 6,469 |
| Cash dividends to net income (ytd only)* | 81.8120% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 6,447 |
| Loan loss allowance to noncurrent loans | 104.3635% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 1.1488% | 4,712 |
| Noncurrent loans to loans | 0.9417% | 5,162 |
| Net loans and leases to total assets | 83.4688% | 346 |
| Net loans and leases to deposits | 100.1907% | 565 |
| Net loans and leases to core deposits | 112.3282% | 797 |
| Total domestic deposits to total assets | 83.3099% | 4,677 |
| Equity capital to assets | 9.1701% | 4,883 |
| Core capital (leverage) ratio | 9.7083% | 3,423 |
| Tier 1 risk-based capital ratio | 13.9042% | 3,926 |
| Total risk-based capital ratio | 15.0983% | 3,948 |
| Memoranda: | ||
| Average total assets | $443,256,200 | 1,501 |
| Average earning assets | $410,025,600 | 1,482 |
| Average equity | $41,608,200 | 1,592 |
| Average total loans | $363,049,000 | 1,243 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5997% | 2,064 |
| Cost of funding earning assets | 1.0145% | 5,874 |
| Net interest margin | 4.5852% | 1,078 |
| Noninterest income to average assets | 1.3225% | 781 |
| Noninterest expense to average assets | 3.6908% | 1,584 |
| Loan and lease loss provision to assets | 0.1149% | 5,880 |
| Net operating income to assets | 1.3358% | 1,270 |
| Return on assets (ROA) | 1.3358% | 1,342 |
| Pretax return on assets | 1.7590% | 997 |
| Return on Equity (ROE) | 14.1469% | 999 |
| Retained earnings to average equity (ytd only) | 2.7390% | 4,513 |
| Net charge-offs to loans | 0.0651% | 5,864 |
| Credit loss provision to net charge-offs | 217.1429% | 1,598 |
| Earnings coverage of net charge-offs (x) | 35.3996% | 767 |
| Efficiency ratio | 66.3242% | 4,793 |
| Assets per employee ($millions) | 2.8479% | 6,488 |
| Cash dividends to net income (ytd only)* | 80.6386% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 6,352 |
| Loan loss allowance to noncurrent loans | 73.0921% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.3665% | 4,440 |
| Noncurrent loans to loans | 1.3813% | 4,554 |
| Net loans and leases to total assets | 80.5579% | 657 |
| Net loans and leases to deposits | 95.9059% | 989 |
| Net loans and leases to core deposits | 106.1574% | 1,311 |
| Total domestic deposits to total assets | 83.9968% | 4,132 |
| Equity capital to assets | 9.4218% | 4,960 |
| Core capital (leverage) ratio | 9.8352% | 3,446 |
| Tier 1 risk-based capital ratio | 14.3322% | 3,608 |
| Total risk-based capital ratio | 15.5500% | 3,594 |
| Memoranda: | ||
| Average total assets | $440,759,000 | 1,536 |
| Average earning assets | $407,797,250 | 1,516 |
| Average equity | $41,619,500 | 1,591 |
| Average total loans | $358,293,000 | 1,263 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6277% | 2,031 |
| Cost of funding earning assets | 1.0279% | 6,010 |
| Net interest margin | 4.5998% | 995 |
| Noninterest income to average assets | 1.2561% | 819 |
| Noninterest expense to average assets | 3.6807% | 1,591 |
| Loan and lease loss provision to assets | 0.0823% | 6,110 |
| Net operating income to assets | 1.3270% | 1,244 |
| Return on assets (ROA) | 1.3270% | 1,320 |
| Pretax return on assets | 1.7464% | 966 |
| Return on Equity (ROE) | 14.0422% | 1,032 |
| Retained earnings to average equity (ytd only) | 2.7997% | 4,352 |
| Net charge-offs to loans | 0.0911% | 5,225 |
| Credit loss provision to net charge-offs | 111.1111% | 3,644 |
| Earnings coverage of net charge-offs (x) | 24.7037% | 1,058 |
| Efficiency ratio | 66.8077% | 4,818 |
| Assets per employee ($millions) | 2.6689% | 6,828 |
| Cash dividends to net income (ytd only)* | 80.0620% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 6,404 |
| Loan loss allowance to noncurrent loans | 68.1748% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.3995% | 4,375 |
| Noncurrent loans to loans | 1.4668% | 4,510 |
| Net loans and leases to total assets | 81.4002% | 615 |
| Net loans and leases to deposits | 97.8559% | 887 |
| Net loans and leases to core deposits | 105.1419% | 1,522 |
| Total domestic deposits to total assets | 83.1837% | 4,488 |
| Equity capital to assets | 9.8033% | 4,258 |
| Core capital (leverage) ratio | 9.8852% | 3,297 |
| Tier 1 risk-based capital ratio | 14.6119% | 3,376 |
| Total risk-based capital ratio | 15.7992% | 3,376 |
| Memoranda: | ||
| Average total assets | $437,689,670 | 1,556 |
| Average earning assets | $404,712,670 | 1,529 |
| Average equity | $41,361,000 | 1,594 |
| Average total loans | $355,663,670 | 1,290 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5210% | 2,493 |
| Cost of funding earning assets | 1.0255% | 6,247 |
| Net interest margin | 4.4955% | 1,154 |
| Noninterest income to average assets | 1.0853% | 1,079 |
| Noninterest expense to average assets | 3.6395% | 1,641 |
| Loan and lease loss provision to assets | 0.0813% | 5,827 |
| Net operating income to assets | 1.1647% | 1,635 |
| Return on assets (ROA) | 1.1647% | 1,711 |
| Pretax return on assets | 1.5205% | 1,467 |
| Return on Equity (ROE) | 12.5515% | 1,361 |
| Retained earnings to average equity (ytd only) | 0.6324% | 5,568 |
| Net charge-offs to loans | 0.1419% | 4,086 |
| Credit loss provision to net charge-offs | 70.8661% | 4,081 |
| Earnings coverage of net charge-offs (x) | 13.9685% | 1,463 |
| Efficiency ratio | 69.4401% | 4,421 |
| Assets per employee ($millions) | 2.8909% | 6,458 |
| Cash dividends to net income (ytd only)* | 94.9612% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 6,619 |
| Loan loss allowance to noncurrent loans | 96.5903% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 1.1187% | 4,919 |
| Noncurrent loans to loans | 1.0002% | 5,323 |
| Net loans and leases to total assets | 80.6199% | 755 |
| Net loans and leases to deposits | 96.7408% | 1,021 |
| Net loans and leases to core deposits | 105.5137% | 1,618 |
| Total domestic deposits to total assets | 83.3360% | 4,461 |
| Equity capital to assets | 9.3785% | 4,710 |
| Core capital (leverage) ratio | 9.8453% | 3,345 |
| Tier 1 risk-based capital ratio | 14.1703% | 3,549 |
| Total risk-based capital ratio | 15.3180% | 3,576 |
| Memoranda: | ||
| Average total assets | $443,024,000 | 1,586 |
| Average earning assets | $409,565,000 | 1,551 |
| Average equity | $41,110,500 | 1,623 |
| Average total loans | $357,942,000 | 1,321 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7769% | 2,756 |
| Cost of funding earning assets | 1.3093% | 6,275 |
| Net interest margin | 4.4676% | 1,247 |
| Noninterest income to average assets | 1.1656% | 1,132 |
| Noninterest expense to average assets | 3.6647% | 1,993 |
| Loan and lease loss provision to assets | 0.0920% | 6,680 |
| Net operating income to assets | 1.2051% | 1,233 |
| Return on assets (ROA) | 1.2514% | 1,187 |
| Pretax return on assets | 1.6039% | 955 |
| Return on Equity (ROE) | 13.7286% | 831 |
| Retained earnings to average equity (ytd only) | 1.0520% | 4,305 |
| Net charge-offs to loans | 0.1304% | 5,893 |
| Credit loss provision to net charge-offs | 86.3931% | 6,118 |
| Earnings coverage of net charge-offs (x) | 15.3715% | 1,313 |
| Efficiency ratio | 69.1290% | 4,799 |
| Assets per employee ($millions) | 2.8815% | 6,490 |
| Cash dividends to net income (ytd only)* | 92.3374% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 6,507 |
| Loan loss allowance to noncurrent loans | 81.6885% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.1558% | 4,782 |
| Noncurrent loans to loans | 1.1939% | 4,949 |
| Net loans and leases to total assets | 79.4117% | 1,116 |
| Net loans and leases to deposits | 95.9728% | 1,333 |
| Net loans and leases to core deposits | 114.6550% | 2,446 |
| Total domestic deposits to total assets | 82.7440% | 4,642 |
| Equity capital to assets | 9.1821% | 4,868 |
| Core capital (leverage) ratio | 9.7161% | 3,425 |
| Tier 1 risk-based capital ratio | 14.1513% | 3,403 |
| Total risk-based capital ratio | 15.3100% | 3,417 |
| Memoranda: | ||
| Average total assets | $434,883,600 | 1,592 |
| Average earning assets | $402,569,600 | 1,576 |
| Average equity | $39,639,800 | 1,692 |
| Average total loans | $355,144,000 | 1,358 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8485% | 2,671 |
| Cost of funding earning assets | 1.3693% | 6,339 |
| Net interest margin | 4.4792% | 1,245 |
| Noninterest income to average assets | 1.2328% | 1,013 |
| Noninterest expense to average assets | 3.7044% | 1,809 |
| Loan and lease loss provision to assets | 0.0756% | 6,604 |
| Net operating income to assets | 1.2527% | 1,336 |
| Return on assets (ROA) | 1.2705% | 1,360 |
| Pretax return on assets | 1.6227% | 1,131 |
| Return on Equity (ROE) | 13.9650% | 939 |
| Retained earnings to average equity (ytd only) | 0.9873% | 4,759 |
| Net charge-offs to loans | 0.0922% | 5,762 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 22.1550% | 1,171 |
| Efficiency ratio | 68.8565% | 4,817 |
| Assets per employee ($millions) | 2.8595% | 6,507 |
| Cash dividends to net income (ytd only)* | 92.9300% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 6,219 |
| Loan loss allowance to noncurrent loans | 64.3736% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.4611% | 4,186 |
| Noncurrent loans to loans | 1.5696% | 4,284 |
| Net loans and leases to total assets | 78.6007% | 1,464 |
| Net loans and leases to deposits | 94.0123% | 1,882 |
| Net loans and leases to core deposits | 114.4512% | 2,786 |
| Total domestic deposits to total assets | 83.6069% | 3,901 |
| Equity capital to assets | 9.0493% | 5,416 |
| Core capital (leverage) ratio | 9.7265% | 3,610 |
| Tier 1 risk-based capital ratio | 14.4394% | 3,308 |
| Total risk-based capital ratio | 15.6466% | 3,277 |
| Memoranda: | ||
| Average total assets | $431,947,500 | 1,616 |
| Average earning assets | $399,908,750 | 1,602 |
| Average equity | $39,297,250 | 1,732 |
| Average total loans | $354,388,000 | 1,377 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9078% | 2,553 |
| Cost of funding earning assets | 1.4336% | 6,369 |
| Net interest margin | 4.4742% | 1,229 |
| Noninterest income to average assets | 1.1803% | 1,120 |
| Noninterest expense to average assets | 3.7184% | 1,798 |
| Loan and lease loss provision to assets | 0.0794% | 6,395 |
| Net operating income to assets | 1.2019% | 1,469 |
| Return on assets (ROA) | 1.2181% | 1,511 |
| Pretax return on assets | 1.5358% | 1,362 |
| Return on Equity (ROE) | 13.3651% | 1,105 |
| Retained earnings to average equity (ytd only) | -0.3434% | 5,307 |
| Net charge-offs to loans | 0.0907% | 5,279 |
| Credit loss provision to net charge-offs | 105.5901% | 4,357 |
| Earnings coverage of net charge-offs (x) | 21.2050% | 1,274 |
| Efficiency ratio | 69.9868% | 4,785 |
| Assets per employee ($millions) | 2.7364% | 6,763 |
| Cash dividends to net income (ytd only)* | 102.5690% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 6,373 |
| Loan loss allowance to noncurrent loans | 62.0972% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.5521% | 3,897 |
| Noncurrent loans to loans | 1.5795% | 4,127 |
| Net loans and leases to total assets | 84.8515% | 525 |
| Net loans and leases to deposits | 102.8971% | 1,003 |
| Net loans and leases to core deposits | 117.5428% | 2,586 |
| Total domestic deposits to total assets | 82.4624% | 4,502 |
| Equity capital to assets | 9.2572% | 4,931 |
| Core capital (leverage) ratio | 9.9782% | 3,320 |
| Tier 1 risk-based capital ratio | 13.7638% | 3,645 |
| Total risk-based capital ratio | 14.9275% | 3,635 |
| Memoranda: | ||
| Average total assets | $428,191,330 | 1,655 |
| Average earning assets | $395,512,000 | 1,644 |
| Average equity | $39,027,000 | 1,745 |
| Average total loans | $355,208,330 | 1,404 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9027% | 2,783 |
| Cost of funding earning assets | 1.4931% | 6,424 |
| Net interest margin | 4.4096% | 1,322 |
| Noninterest income to average assets | 1.1436% | 1,127 |
| Noninterest expense to average assets | 3.5666% | 1,940 |
| Loan and lease loss provision to assets | 0.0883% | 5,833 |
| Net operating income to assets | 1.2048% | 1,642 |
| Return on assets (ROA) | 1.2199% | 1,705 |
| Pretax return on assets | 1.5778% | 1,465 |
| Return on Equity (ROE) | 13.4881% | 1,274 |
| Retained earnings to average equity (ytd only) | -0.3907% | 5,741 |
| Net charge-offs to loans | 0.1447% | 3,806 |
| Credit loss provision to net charge-offs | 74.8031% | 4,272 |
| Earnings coverage of net charge-offs (x) | 13.9449% | 1,707 |
| Efficiency ratio | 68.4145% | 4,890 |
| Assets per employee ($millions) | 2.6817% | 6,927 |
| Cash dividends to net income (ytd only)* | 102.8963% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 6,109 |
| Loan loss allowance to noncurrent loans | 51.6867% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 1.8476% | 3,146 |
| Noncurrent loans to loans | 1.9544% | 3,331 |
| Net loans and leases to total assets | 82.0205% | 1,019 |
| Net loans and leases to deposits | 99.2054% | 1,511 |
| Net loans and leases to core deposits | 115.4848% | 2,850 |
| Total domestic deposits to total assets | 82.6774% | 4,297 |
| Equity capital to assets | 9.2254% | 5,053 |
| Core capital (leverage) ratio | 9.9693% | 3,437 |
| Tier 1 risk-based capital ratio | 14.3364% | 3,408 |
| Total risk-based capital ratio | 15.5342% | 3,364 |
| Memoranda: | ||
| Average total assets | $430,213,500 | 1,653 |
| Average earning assets | $397,039,500 | 1,641 |
| Average equity | $38,908,500 | 1,744 |
| Average total loans | $351,082,500 | 1,440 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6178% | 2,398 |
| Cost of funding earning assets | 1.9172% | 6,681 |
| Net interest margin | 4.7006% | 972 |
| Noninterest income to average assets | 1.1355% | 1,210 |
| Noninterest expense to average assets | 3.7993% | 1,757 |
| Loan and lease loss provision to assets | 0.0822% | 6,360 |
| Net operating income to assets | 1.2940% | 1,496 |
| Return on assets (ROA) | 1.2972% | 1,444 |
| Pretax return on assets | 1.5751% | 1,463 |
| Return on Equity (ROE) | 12.8907% | 1,360 |
| Retained earnings to average equity (ytd only) | -0.4025% | 5,405 |
| Net charge-offs to loans | 0.0476% | 6,107 |
| Credit loss provision to net charge-offs | 213.3758% | 2,262 |
| Earnings coverage of net charge-offs (x) | 42.9045% | 861 |
| Efficiency ratio | 69.6781% | 4,408 |
| Assets per employee ($millions) | 2.7635% | 6,650 |
| Cash dividends to net income (ytd only)* | 103.1220% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 5,977 |
| Loan loss allowance to noncurrent loans | 48.7390% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 1.8928% | 2,598 |
| Noncurrent loans to loans | 2.0650% | 2,672 |
| Net loans and leases to total assets | 79.5987% | 1,751 |
| Net loans and leases to deposits | 95.8588% | 2,469 |
| Net loans and leases to core deposits | 113.3564% | 3,411 |
| Total domestic deposits to total assets | 83.0375% | 3,758 |
| Equity capital to assets | 8.8702% | 5,537 |
| Core capital (leverage) ratio | 9.9478% | 3,498 |
| Tier 1 risk-based capital ratio | 14.1271% | 3,486 |
| Total risk-based capital ratio | 15.3163% | 3,436 |
| Memoranda: | ||
| Average total assets | $407,414,800 | 1,667 |
| Average earning assets | $374,189,400 | 1,660 |
| Average equity | $40,998,400 | 1,630 |
| Average total loans | $330,164,000 | 1,470 |