Home > Union Bank > Performance and Condition Ratios
Union Bank, Performance and Condition Ratios
| 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 | 3.4636% | 2,738 |
| Cost of funding earning assets | 0.2000% | 3,274 |
| Net interest margin | 3.2636% | 2,409 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.0276% | 3,412 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.0859% | 2,154 |
| Return on assets (ROA) | 1.0859% | 2,122 |
| Pretax return on assets | 1.3568% | 1,860 |
| Return on Equity (ROE) | 12.4100% | 1,908 |
| Retained earnings to average equity (ytd only) | 12.4091% | 712 |
| Net charge-offs to loans | -0.0036% | 3,398 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.0708% | 3,233 |
| Assets per employee ($millions) | 7.5394% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 2,874 |
| Loan loss allowance to noncurrent loans | 1,178.2875% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 3,320 |
| Noncurrent loans to loans | 0.0961% | 3,191 |
| Net loans and leases to total assets | 59.1300% | 2,595 |
| Net loans and leases to deposits | 65.1182% | 2,782 |
| Net loans and leases to core deposits | 71.2948% | 2,546 |
| Total domestic deposits to total assets | 90.8100% | 1,314 |
| Equity capital to assets | 8.1383% | 2,809 |
| Core capital (leverage) ratio | 9.3704% | 3,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1654% | 1,379 |
| Memoranda: | ||
| Average total assets | $1,151,074,000 | 882 |
| Average earning assets | $1,077,383,000 | 870 |
| Average equity | $100,729,750 | 954 |
| Average total loans | $671,381,500 | 936 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2992% | 2,742 |
| Cost of funding earning assets | 0.1423% | 3,676 |
| Net interest margin | 3.1570% | 2,339 |
| Noninterest income to average assets | 0.3419% | 3,111 |
| Noninterest expense to average assets | 2.0106% | 3,408 |
| Loan and lease loss provision to assets | 0.0043% | 2,530 |
| Net operating income to assets | 1.0330% | 2,035 |
| Return on assets (ROA) | 1.0330% | 2,012 |
| Pretax return on assets | 1.2889% | 1,781 |
| Return on Equity (ROE) | 11.5390% | 1,820 |
| Retained earnings to average equity (ytd only) | 11.5390% | 689 |
| Net charge-offs to loans | -0.0365% | 4,120 |
| Credit loss provision to net charge-offs | -20.4918% | 2,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1499% | 3,276 |
| Assets per employee ($millions) | 7.3877% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 3,023 |
| Loan loss allowance to noncurrent loans | 1,113.6691% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 3,369 |
| Noncurrent loans to loans | 0.1016% | 3,249 |
| Net loans and leases to total assets | 59.4488% | 2,388 |
| Net loans and leases to deposits | 65.5823% | 2,583 |
| Net loans and leases to core deposits | 71.8512% | 2,354 |
| Total domestic deposits to total assets | 90.6476% | 1,403 |
| Equity capital to assets | 8.4083% | 2,834 |
| Core capital (leverage) ratio | 9.1625% | 3,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6101% | 1,537 |
| Memoranda: | ||
| Average total assets | $1,155,281,667 | 878 |
| Average earning assets | $1,083,890,000 | 872 |
| Average equity | $103,423,000 | 946 |
| Average total loans | $668,210,667 | 931 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2123% | 2,649 |
| Cost of funding earning assets | 0.1358% | 3,691 |
| Net interest margin | 3.0765% | 2,248 |
| Noninterest income to average assets | 0.3340% | 3,095 |
| Noninterest expense to average assets | 1.9676% | 3,510 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0058% | 1,863 |
| Return on assets (ROA) | 1.0058% | 1,853 |
| Pretax return on assets | 1.2632% | 1,609 |
| Return on Equity (ROE) | 10.9111% | 1,647 |
| Retained earnings to average equity (ytd only) | 10.9111% | 798 |
| Net charge-offs to loans | -0.0709% | 4,373 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1255% | 3,472 |
| Assets per employee ($millions) | 7.6476% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 3,083 |
| Loan loss allowance to noncurrent loans | 1,545.0902% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 3,612 |
| Noncurrent loans to loans | 0.0747% | 3,471 |
| Net loans and leases to total assets | 56.4633% | 2,487 |
| Net loans and leases to deposits | 62.6647% | 2,659 |
| Net loans and leases to core deposits | 68.6465% | 2,397 |
| Total domestic deposits to total assets | 90.1039% | 1,501 |
| Equity capital to assets | 8.7270% | 2,951 |
| Core capital (leverage) ratio | 8.9610% | 3,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7330% | 1,579 |
| Memoranda: | ||
| Average total assets | $1,164,066,000 | 876 |
| Average earning assets | $1,096,033,500 | 868 |
| Average equity | $107,303,500 | 946 |
| Average total loans | $660,267,500 | 931 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6489% | 2,256 |
| Cost of funding earning assets | 0.1948% | 3,526 |
| Net interest margin | 3.4541% | 1,872 |
| Noninterest income to average assets | 0.3665% | 3,236 |
| Noninterest expense to average assets | 2.1478% | 3,236 |
| Loan and lease loss provision to assets | -0.2255% | 4,733 |
| Net operating income to assets | 1.3320% | 1,508 |
| Return on assets (ROA) | 1.3271% | 1,566 |
| Pretax return on assets | 1.6712% | 1,216 |
| Return on Equity (ROE) | 13.4060% | 1,344 |
| Retained earnings to average equity (ytd only) | 13.4060% | 356 |
| Net charge-offs to loans | 0.0137% | 2,052 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,098 |
| Earnings coverage of net charge-offs (x) | 173.8333% | 596 |
| Efficiency ratio | 58.6599% | 3,332 |
| Assets per employee ($millions) | 7.6188% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 3,060 |
| Loan loss allowance to noncurrent loans | 4,658.2822% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 3,995 |
| Noncurrent loans to loans | 0.0250% | 3,889 |
| Net loans and leases to total assets | 55.6595% | 2,656 |
| Net loans and leases to deposits | 63.4182% | 2,741 |
| Net loans and leases to core deposits | 69.7261% | 2,477 |
| Total domestic deposits to total assets | 87.7658% | 2,165 |
| Equity capital to assets | 9.7141% | 2,929 |
| Core capital (leverage) ratio | 8.9536% | 3,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9762% | 1,519 |
| Memoranda: | ||
| Average total assets | $1,077,518,600 | 907 |
| Average earning assets | $1,008,623,400 | 900 |
| Average equity | $106,669,000 | 957 |
| Average total loans | $657,796,600 | 926 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7122% | 2,246 |
| Cost of funding earning assets | 0.2054% | 3,554 |
| Net interest margin | 3.5068% | 1,849 |
| Noninterest income to average assets | 0.3732% | 3,241 |
| Noninterest expense to average assets | 2.1257% | 3,288 |
| Loan and lease loss provision to assets | -0.0617% | 4,500 |
| Net operating income to assets | 1.2623% | 1,947 |
| Return on assets (ROA) | 1.2555% | 2,035 |
| Pretax return on assets | 1.5768% | 1,771 |
| Return on Equity (ROE) | 12.6179% | 1,826 |
| Retained earnings to average equity (ytd only) | 12.6179% | 700 |
| Net charge-offs to loans | 0.0018% | 2,340 |
| Credit loss provision to net charge-offs | -5,433.3333% | 4,141 |
| Earnings coverage of net charge-offs (x) | 1,342.5556% | 121 |
| Efficiency ratio | 57.1888% | 3,394 |
| Assets per employee ($millions) | 7.3754% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 1,812 |
| Loan loss allowance to noncurrent loans | 466.0688% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 2,868 |
| Noncurrent loans to loans | 0.3113% | 2,674 |
| Net loans and leases to total assets | 59.0369% | 2,368 |
| Net loans and leases to deposits | 68.3306% | 2,414 |
| Net loans and leases to core deposits | 75.6396% | 2,086 |
| Total domestic deposits to total assets | 86.3989% | 2,598 |
| Equity capital to assets | 9.9750% | 2,930 |
| Core capital (leverage) ratio | 8.9892% | 3,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5389% | 1,780 |
| Memoranda: | ||
| Average total assets | $1,057,384,750 | 933 |
| Average earning assets | $987,814,250 | 924 |
| Average equity | $105,212,750 | 983 |
| Average total loans | $659,205,750 | 941 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7533% | 2,190 |
| Cost of funding earning assets | 0.2149% | 3,604 |
| Net interest margin | 3.5384% | 1,750 |
| Noninterest income to average assets | 0.3783% | 3,222 |
| Noninterest expense to average assets | 2.1003% | 3,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2585% | 1,997 |
| Return on assets (ROA) | 1.2585% | 2,068 |
| Pretax return on assets | 1.5805% | 1,793 |
| Return on Equity (ROE) | 12.6591% | 1,835 |
| Retained earnings to average equity (ytd only) | 12.6591% | 781 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9395% | 3,549 |
| Assets per employee ($millions) | 7.2946% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 1,516 |
| Loan loss allowance to noncurrent loans | 350.5373% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 2,594 |
| Noncurrent loans to loans | 0.4342% | 2,372 |
| Net loans and leases to total assets | 60.6026% | 2,348 |
| Net loans and leases to deposits | 71.1454% | 2,287 |
| Net loans and leases to core deposits | 78.9935% | 1,962 |
| Total domestic deposits to total assets | 85.1813% | 3,025 |
| Equity capital to assets | 9.8845% | 2,965 |
| Core capital (leverage) ratio | 8.8702% | 3,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1383% | 1,930 |
| Memoranda: | ||
| Average total assets | $1,041,078,333 | 937 |
| Average earning assets | $971,672,667 | 931 |
| Average equity | $103,499,000 | 994 |
| Average total loans | $658,026,667 | 945 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8485% | 1,956 |
| Cost of funding earning assets | 0.2195% | 3,727 |
| Net interest margin | 3.6289% | 1,507 |
| Noninterest income to average assets | 0.3648% | 3,267 |
| Noninterest expense to average assets | 2.1080% | 3,398 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3032% | 1,815 |
| Return on assets (ROA) | 1.3032% | 1,898 |
| Pretax return on assets | 1.6410% | 1,621 |
| Return on Equity (ROE) | 13.0687% | 1,658 |
| Retained earnings to average equity (ytd only) | 13.0687% | 899 |
| Net charge-offs to loans | -0.0037% | 3,281 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0590% | 3,659 |
| Assets per employee ($millions) | 7.2352% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 1,397 |
| Loan loss allowance to noncurrent loans | 336.8509% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 2,726 |
| Noncurrent loans to loans | 0.4631% | 2,465 |
| Net loans and leases to total assets | 60.4559% | 2,483 |
| Net loans and leases to deposits | 72.3634% | 2,274 |
| Net loans and leases to core deposits | 80.6390% | 1,944 |
| Total domestic deposits to total assets | 83.5448% | 3,558 |
| Equity capital to assets | 9.5942% | 3,114 |
| Core capital (leverage) ratio | 9.2431% | 3,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0772% | 1,876 |
| Memoranda: | ||
| Average total assets | $1,021,820,500 | 939 |
| Average earning assets | $952,902,500 | 931 |
| Average equity | $101,892,000 | 998 |
| Average total loans | $654,852,500 | 940 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1015% | 2,420 |
| Cost of funding earning assets | 0.5521% | 2,597 |
| Net interest margin | 3.5494% | 2,315 |
| Noninterest income to average assets | 0.4122% | 3,037 |
| Noninterest expense to average assets | 2.4039% | 3,124 |
| Loan and lease loss provision to assets | 0.5692% | 377 |
| Net operating income to assets | 0.5948% | 3,772 |
| Return on assets (ROA) | 0.6174% | 3,815 |
| Pretax return on assets | 0.7536% | 3,755 |
| Return on Equity (ROE) | 6.0903% | 3,553 |
| Retained earnings to average equity (ytd only) | 5.4610% | 2,067 |
| Net charge-offs to loans | 0.0266% | 2,504 |
| Credit loss provision to net charge-offs | 3,187.3494% | 312 |
| Earnings coverage of net charge-offs (x) | 72.5301% | 950 |
| Efficiency ratio | 63.3892% | 2,913 |
| Assets per employee ($millions) | 6.6709% | 1,800 |
| Cash dividends to net income (ytd only)* | 10.3328% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 1,480 |
| Loan loss allowance to noncurrent loans | 296.3082% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 2,553 |
| Noncurrent loans to loans | 0.5164% | 2,422 |
| Net loans and leases to total assets | 65.9225% | 2,102 |
| Net loans and leases to deposits | 84.5242% | 1,407 |
| Net loans and leases to core deposits | 89.3101% | 1,581 |
| Total domestic deposits to total assets | 77.9925% | 4,316 |
| Equity capital to assets | 10.3754% | 2,775 |
| Core capital (leverage) ratio | 9.3076% | 3,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6162% | 2,005 |
| Memoranda: | ||
| Average total assets | $929,570,000 | 941 |
| Average earning assets | $860,833,600 | 938 |
| Average equity | $94,231,200 | 1,014 |
| Average total loans | $624,094,000 | 946 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 2,494 |
| Cost of funding earning assets | 0.6390% | 2,382 |
| Net interest margin | 3.5212% | 2,521 |
| Noninterest income to average assets | 0.4157% | 3,005 |
| Noninterest expense to average assets | 2.3886% | 3,171 |
| Loan and lease loss provision to assets | 0.6840% | 322 |
| Net operating income to assets | 0.4962% | 4,051 |
| Return on assets (ROA) | 0.5144% | 4,090 |
| Pretax return on assets | 0.6215% | 4,070 |
| Return on Equity (ROE) | 5.1073% | 3,862 |
| Retained earnings to average equity (ytd only) | 4.2496% | 2,925 |
| Net charge-offs to loans | 0.0340% | 2,149 |
| Credit loss provision to net charge-offs | 2,990.4459% | 353 |
| Earnings coverage of net charge-offs (x) | 56.1146% | 1,130 |
| Efficiency ratio | 63.3565% | 2,855 |
| Assets per employee ($millions) | 6.3467% | 1,958 |
| Cash dividends to net income (ytd only)* | 16.7941% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4800% | 1,447 |
| Loan loss allowance to noncurrent loans | 3,273.5395% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 4,312 |
| Noncurrent loans to loans | 0.0452% | 4,201 |
| Net loans and leases to total assets | 65.3045% | 2,606 |
| Net loans and leases to deposits | 83.6159% | 1,947 |
| Net loans and leases to core deposits | 88.6947% | 2,084 |
| Total domestic deposits to total assets | 78.1006% | 4,183 |
| Equity capital to assets | 10.2734% | 2,987 |
| Core capital (leverage) ratio | 8.9787% | 3,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7215% | 1,921 |
| Memoranda: | ||
| Average total assets | $915,138,750 | 941 |
| Average earning assets | $846,360,250 | 937 |
| Average equity | $92,180,000 | 1,026 |
| Average total loans | $614,876,750 | 953 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2664% | 2,559 |
| Cost of funding earning assets | 0.7414% | 2,172 |
| Net interest margin | 3.5250% | 2,712 |
| Noninterest income to average assets | 0.4243% | 2,946 |
| Noninterest expense to average assets | 2.4816% | 3,013 |
| Loan and lease loss provision to assets | 0.5700% | 574 |
| Net operating income to assets | 0.5159% | 3,968 |
| Return on assets (ROA) | 0.5439% | 3,979 |
| Pretax return on assets | 0.6574% | 3,955 |
| Return on Equity (ROE) | 5.4387% | 3,703 |
| Retained earnings to average equity (ytd only) | 4.1158% | 2,853 |
| Net charge-offs to loans | 0.0215% | 2,290 |
| Credit loss provision to net charge-offs | 3,930.7692% | 278 |
| Earnings coverage of net charge-offs (x) | 82.3231% | 788 |
| Efficiency ratio | 65.7360% | 2,562 |
| Assets per employee ($millions) | 6.5862% | 1,716 |
| Cash dividends to net income (ytd only)* | 24.3232% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 2,684 |
| Loan loss allowance to noncurrent loans | 1,435.3167% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 4,274 |
| Noncurrent loans to loans | 0.0814% | 4,131 |
| Net loans and leases to total assets | 63.2187% | 2,976 |
| Net loans and leases to deposits | 82.6541% | 2,129 |
| Net loans and leases to core deposits | 89.1745% | 2,144 |
| Total domestic deposits to total assets | 76.4858% | 4,380 |
| Equity capital to assets | 9.7935% | 3,373 |
| Core capital (leverage) ratio | 8.9632% | 3,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7998% | 1,892 |
| Memoranda: | ||
| Average total assets | $896,504,000 | 942 |
| Average earning assets | $826,836,333 | 941 |
| Average equity | $89,653,667 | 1,040 |
| Average total loans | $605,282,000 | 953 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5170% | 2,265 |
| Cost of funding earning assets | 0.8894% | 1,924 |
| Net interest margin | 3.6275% | 2,581 |
| Noninterest income to average assets | 0.3705% | 3,295 |
| Noninterest expense to average assets | 2.5662% | 3,084 |
| Loan and lease loss provision to assets | 0.1682% | 1,744 |
| Net operating income to assets | 0.7747% | 3,001 |
| Return on assets (ROA) | 0.8211% | 2,919 |
| Pretax return on assets | 1.0154% | 2,797 |
| Return on Equity (ROE) | 8.1115% | 2,473 |
| Retained earnings to average equity (ytd only) | 8.1115% | 1,197 |
| Net charge-offs to loans | 0.0150% | 2,072 |
| Credit loss provision to net charge-offs | 1,613.6364% | 402 |
| Earnings coverage of net charge-offs (x) | 108.0455% | 547 |
| Efficiency ratio | 67.5478% | 2,740 |
| Assets per employee ($millions) | 5.5922% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 4,156 |
| Loan loss allowance to noncurrent loans | 878.0528% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 4,251 |
| Noncurrent loans to loans | 0.1012% | 4,101 |
| Net loans and leases to total assets | 68.4628% | 2,478 |
| Net loans and leases to deposits | 87.8534% | 1,764 |
| Net loans and leases to core deposits | 101.1892% | 1,383 |
| Total domestic deposits to total assets | 77.9284% | 4,231 |
| Equity capital to assets | 9.8609% | 3,915 |
| Core capital (leverage) ratio | 8.8089% | 4,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9950% | 2,700 |
| Memoranda: | ||
| Average total assets | $844,206,000 | 967 |
| Average earning assets | $773,087,000 | 969 |
| Average equity | $85,459,000 | 1,078 |
| Average total loans | $587,743,000 | 955 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7922% | 2,064 |
| Cost of funding earning assets | 0.9779% | 1,821 |
| Net interest margin | 3.8144% | 2,457 |
| Noninterest income to average assets | 0.3988% | 3,297 |
| Noninterest expense to average assets | 2.6756% | 2,951 |
| Loan and lease loss provision to assets | 0.1204% | 1,762 |
| Net operating income to assets | 0.8668% | 3,330 |
| Return on assets (ROA) | 0.9171% | 3,217 |
| Pretax return on assets | 1.1448% | 3,031 |
| Return on Equity (ROE) | 8.6927% | 2,875 |
| Retained earnings to average equity (ytd only) | 7.2781% | 1,266 |
| Net charge-offs to loans | -0.0004% | 4,141 |
| Credit loss provision to net charge-offs | -47,000.0000% | 4,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6568% | 2,671 |
| Assets per employee ($millions) | 5.3008% | 2,246 |
| Cash dividends to net income (ytd only)* | 16.2732% | 3,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8649% | 4,107 |
| Loan loss allowance to noncurrent loans | 383.3974% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 3,847 |
| Noncurrent loans to loans | 0.2256% | 3,644 |
| Net loans and leases to total assets | 69.5878% | 2,465 |
| Net loans and leases to deposits | 84.2676% | 2,305 |
| Net loans and leases to core deposits | 98.2778% | 1,707 |
| Total domestic deposits to total assets | 82.5796% | 3,336 |
| Equity capital to assets | 10.3995% | 3,543 |
| Core capital (leverage) ratio | 8.9120% | 4,591 |
| Tier 1 risk-based capital ratio | 11.6577% | 4,544 |
| Total risk-based capital ratio | 13.4770% | 4,102 |
| Memoranda: | ||
| Average total assets | $780,584,200 | 994 |
| Average earning assets | $711,968,400 | 999 |
| Average equity | $82,356,400 | 1,060 |
| Average total loans | $539,170,600 | 1,002 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8246% | 2,047 |
| Cost of funding earning assets | 0.9868% | 1,818 |
| Net interest margin | 3.8379% | 2,477 |
| Noninterest income to average assets | 0.4045% | 3,288 |
| Noninterest expense to average assets | 2.6698% | 2,948 |
| Loan and lease loss provision to assets | 0.1303% | 1,484 |
| Net operating income to assets | 0.8803% | 3,415 |
| Return on assets (ROA) | 0.9196% | 3,350 |
| Pretax return on assets | 1.1500% | 3,132 |
| Return on Equity (ROE) | 8.6828% | 3,017 |
| Retained earnings to average equity (ytd only) | 6.7626% | 1,971 |
| Net charge-offs to loans | -0.0383% | 4,775 |
| Credit loss provision to net charge-offs | -495.3947% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0174% | 2,725 |
| Assets per employee ($millions) | 5.1144% | 2,430 |
| Cash dividends to net income (ytd only)* | 22.1156% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8914% | 4,078 |
| Loan loss allowance to noncurrent loans | 240.8074% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 3,453 |
| Noncurrent loans to loans | 0.3702% | 3,230 |
| Net loans and leases to total assets | 69.8899% | 2,495 |
| Net loans and leases to deposits | 83.7950% | 2,481 |
| Net loans and leases to core deposits | 97.9993% | 1,825 |
| Total domestic deposits to total assets | 83.4057% | 3,023 |
| Equity capital to assets | 10.7087% | 3,373 |
| Core capital (leverage) ratio | 8.9939% | 4,641 |
| Tier 1 risk-based capital ratio | 11.8403% | 4,494 |
| Total risk-based capital ratio | 13.7293% | 4,038 |
| Memoranda: | ||
| Average total assets | $770,323,500 | 1,005 |
| Average earning assets | $701,795,750 | 1,007 |
| Average equity | $81,584,250 | 1,068 |
| Average total loans | $529,778,250 | 1,015 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8072% | 2,038 |
| Cost of funding earning assets | 0.9801% | 1,791 |
| Net interest margin | 3.8271% | 2,492 |
| Noninterest income to average assets | 0.4036% | 3,258 |
| Noninterest expense to average assets | 2.6923% | 2,931 |
| Loan and lease loss provision to assets | 0.1235% | 1,509 |
| Net operating income to assets | 0.8608% | 3,427 |
| Return on assets (ROA) | 0.8920% | 3,381 |
| Pretax return on assets | 1.1152% | 3,191 |
| Return on Equity (ROE) | 8.4548% | 3,088 |
| Retained earnings to average equity (ytd only) | 7.0242% | 1,792 |
| Net charge-offs to loans | -0.0641% | 4,895 |
| Credit loss provision to net charge-offs | -282.6347% | 4,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6622% | 2,720 |
| Assets per employee ($millions) | 5.0822% | 2,375 |
| Cash dividends to net income (ytd only)* | 16.9208% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8734% | 4,186 |
| Loan loss allowance to noncurrent loans | 299.9360% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 3,715 |
| Noncurrent loans to loans | 0.2912% | 3,490 |
| Net loans and leases to total assets | 68.3852% | 2,768 |
| Net loans and leases to deposits | 82.5764% | 2,668 |
| Net loans and leases to core deposits | 97.0867% | 1,969 |
| Total domestic deposits to total assets | 82.8145% | 3,268 |
| Equity capital to assets | 10.6859% | 3,355 |
| Core capital (leverage) ratio | 8.8523% | 4,754 |
| Tier 1 risk-based capital ratio | 12.0743% | 4,377 |
| Total risk-based capital ratio | 13.9919% | 3,887 |
| Memoranda: | ||
| Average total assets | $764,557,330 | 1,014 |
| Average earning assets | $696,875,670 | 1,014 |
| Average equity | $80,664,330 | 1,071 |
| Average total loans | $521,231,330 | 1,032 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7836% | 1,951 |
| Cost of funding earning assets | 0.9586% | 1,754 |
| Net interest margin | 3.8250% | 2,434 |
| Noninterest income to average assets | 0.3815% | 3,316 |
| Noninterest expense to average assets | 2.6901% | 2,936 |
| Loan and lease loss provision to assets | 0.1119% | 1,587 |
| Net operating income to assets | 0.8522% | 3,443 |
| Return on assets (ROA) | 0.8648% | 3,427 |
| Pretax return on assets | 1.0801% | 3,205 |
| Return on Equity (ROE) | 8.2516% | 3,143 |
| Retained earnings to average equity (ytd only) | 8.2516% | 1,575 |
| Net charge-offs to loans | 0.0055% | 2,511 |
| Credit loss provision to net charge-offs | 3,028.5714% | 136 |
| Earnings coverage of net charge-offs (x) | 318.4286% | 257 |
| Efficiency ratio | 66.9578% | 2,802 |
| Assets per employee ($millions) | 5.2075% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8196% | 4,461 |
| Loan loss allowance to noncurrent loans | 226.9621% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 3,586 |
| Noncurrent loans to loans | 0.3611% | 3,285 |
| Net loans and leases to total assets | 66.7414% | 2,938 |
| Net loans and leases to deposits | 80.5285% | 2,779 |
| Net loans and leases to core deposits | 94.5464% | 2,076 |
| Total domestic deposits to total assets | 82.8792% | 3,427 |
| Equity capital to assets | 10.4719% | 3,368 |
| Core capital (leverage) ratio | 8.8873% | 4,732 |
| Tier 1 risk-based capital ratio | 12.1616% | 4,375 |
| Total risk-based capital ratio | 14.0425% | 3,881 |
| Memoranda: | ||
| Average total assets | $758,051,000 | 1,019 |
| Average earning assets | $690,606,000 | 1,022 |
| Average equity | $79,451,500 | 1,079 |
| Average total loans | $513,633,000 | 1,048 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7453% | 1,690 |
| Cost of funding earning assets | 0.7402% | 1,846 |
| Net interest margin | 4.0051% | 1,973 |
| Noninterest income to average assets | 0.4337% | 3,213 |
| Noninterest expense to average assets | 2.7863% | 2,731 |
| Loan and lease loss provision to assets | 0.1081% | 2,036 |
| Net operating income to assets | 0.9356% | 3,303 |
| Return on assets (ROA) | 0.9348% | 3,301 |
| Pretax return on assets | 1.1736% | 2,996 |
| Return on Equity (ROE) | 8.9999% | 2,995 |
| Retained earnings to average equity (ytd only) | 7.5170% | 1,451 |
| Net charge-offs to loans | 0.0463% | 2,508 |
| Credit loss provision to net charge-offs | 332.9060% | 945 |
| Earnings coverage of net charge-offs (x) | 39.5043% | 1,321 |
| Efficiency ratio | 65.5243% | 2,948 |
| Assets per employee ($millions) | 5.4013% | 2,059 |
| Cash dividends to net income (ytd only)* | 16.4762% | 3,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7955% | 4,550 |
| Loan loss allowance to noncurrent loans | 208.3419% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 3,353 |
| Noncurrent loans to loans | 0.3818% | 3,163 |
| Net loans and leases to total assets | 67.6941% | 2,921 |
| Net loans and leases to deposits | 80.4283% | 2,903 |
| Net loans and leases to core deposits | 92.7332% | 2,345 |
| Total domestic deposits to total assets | 84.1671% | 2,951 |
| Equity capital to assets | 10.4904% | 3,204 |
| Core capital (leverage) ratio | 8.7735% | 4,829 |
| Tier 1 risk-based capital ratio | 12.2508% | 4,266 |
| Total risk-based capital ratio | 14.1711% | 3,779 |
| Memoranda: | ||
| Average total assets | $720,705,000 | 1,032 |
| Average earning assets | $654,147,400 | 1,049 |
| Average equity | $74,856,800 | 1,095 |
| Average total loans | $505,063,000 | 1,039 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7078% | 1,655 |
| Cost of funding earning assets | 0.6904% | 1,903 |
| Net interest margin | 4.0175% | 1,905 |
| Noninterest income to average assets | 0.4355% | 3,251 |
| Noninterest expense to average assets | 2.7991% | 2,633 |
| Loan and lease loss provision to assets | 0.1002% | 1,997 |
| Net operating income to assets | 0.9340% | 3,376 |
| Return on assets (ROA) | 0.9330% | 3,389 |
| Pretax return on assets | 1.1780% | 3,077 |
| Return on Equity (ROE) | 9.0060% | 3,084 |
| Retained earnings to average equity (ytd only) | 7.0229% | 2,116 |
| Net charge-offs to loans | 0.0262% | 2,587 |
| Credit loss provision to net charge-offs | 542.4242% | 652 |
| Earnings coverage of net charge-offs (x) | 69.2609% | 966 |
| Efficiency ratio | 65.5870% | 2,945 |
| Assets per employee ($millions) | 4.9085% | 2,586 |
| Cash dividends to net income (ytd only)* | 22.0200% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7948% | 4,639 |
| Loan loss allowance to noncurrent loans | 131.7391% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4646% | 2,833 |
| Noncurrent loans to loans | 0.6033% | 2,569 |
| Net loans and leases to total assets | 67.2274% | 3,046 |
| Net loans and leases to deposits | 80.3646% | 2,998 |
| Net loans and leases to core deposits | 92.7999% | 2,405 |
| Total domestic deposits to total assets | 83.6530% | 3,061 |
| Equity capital to assets | 10.2619% | 3,389 |
| Core capital (leverage) ratio | 8.8984% | 4,803 |
| Tier 1 risk-based capital ratio | 12.1008% | 4,447 |
| Total risk-based capital ratio | 14.0330% | 3,934 |
| Memoranda: | ||
| Average total assets | $714,535,000 | 1,041 |
| Average earning assets | $647,956,750 | 1,055 |
| Average equity | $74,022,500 | 1,105 |
| Average total loans | $504,171,750 | 1,037 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7288% | 1,432 |
| Cost of funding earning assets | 0.6323% | 2,033 |
| Net interest margin | 4.0964% | 1,573 |
| Noninterest income to average assets | 0.4449% | 3,190 |
| Noninterest expense to average assets | 2.8409% | 2,530 |
| Loan and lease loss provision to assets | 0.1495% | 1,267 |
| Net operating income to assets | 0.9200% | 3,373 |
| Return on assets (ROA) | 0.9200% | 3,376 |
| Pretax return on assets | 1.1663% | 3,069 |
| Return on Equity (ROE) | 8.8519% | 3,094 |
| Retained earnings to average equity (ytd only) | 7.4403% | 1,868 |
| Net charge-offs to loans | 0.0363% | 2,125 |
| Credit loss provision to net charge-offs | 576.0870% | 647 |
| Earnings coverage of net charge-offs (x) | 50.6957% | 1,119 |
| Efficiency ratio | 65.2708% | 3,103 |
| Assets per employee ($millions) | 4.9097% | 2,544 |
| Cash dividends to net income (ytd only)* | 15.9460% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7767% | 4,761 |
| Loan loss allowance to noncurrent loans | 128.1392% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.4955% | 2,776 |
| Noncurrent loans to loans | 0.6062% | 2,599 |
| Net loans and leases to total assets | 70.1969% | 2,554 |
| Net loans and leases to deposits | 83.8978% | 2,547 |
| Net loans and leases to core deposits | 96.7689% | 1,985 |
| Total domestic deposits to total assets | 83.6695% | 3,186 |
| Equity capital to assets | 10.3831% | 3,234 |
| Core capital (leverage) ratio | 8.7487% | 4,930 |
| Tier 1 risk-based capital ratio | 11.7204% | 4,677 |
| Total risk-based capital ratio | 13.6358% | 4,143 |
| Memoranda: | ||
| Average total assets | $708,925,000 | 1,049 |
| Average earning assets | $642,366,000 | 1,065 |
| Average equity | $73,679,330 | 1,108 |
| Average total loans | $507,023,330 | 1,034 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6152% | 1,524 |
| Cost of funding earning assets | 0.5725% | 2,237 |
| Net interest margin | 4.0428% | 1,585 |
| Noninterest income to average assets | 0.4176% | 3,331 |
| Noninterest expense to average assets | 2.8829% | 2,433 |
| Loan and lease loss provision to assets | 0.1277% | 1,475 |
| Net operating income to assets | 0.8517% | 3,494 |
| Return on assets (ROA) | 0.8517% | 3,510 |
| Pretax return on assets | 1.0775% | 3,251 |
| Return on Equity (ROE) | 8.1904% | 3,302 |
| Retained earnings to average equity (ytd only) | 8.1904% | 1,772 |
| Net charge-offs to loans | -0.0024% | 3,831 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3144% | 2,953 |
| Assets per employee ($millions) | 4.9471% | 2,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7378% | 4,949 |
| Loan loss allowance to noncurrent loans | 140.6109% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.4635% | 2,994 |
| Noncurrent loans to loans | 0.5247% | 2,949 |
| Net loans and leases to total assets | 70.9154% | 2,343 |
| Net loans and leases to deposits | 83.5428% | 2,445 |
| Net loans and leases to core deposits | 95.0787% | 2,046 |
| Total domestic deposits to total assets | 84.8851% | 2,979 |
| Equity capital to assets | 10.3814% | 3,186 |
| Core capital (leverage) ratio | 8.5865% | 5,075 |
| Tier 1 risk-based capital ratio | 11.4737% | 4,873 |
| Total risk-based capital ratio | 12.1952% | 5,064 |
| Memoranda: | ||
| Average total assets | $704,978,500 | 1,060 |
| Average earning assets | $640,054,500 | 1,076 |
| Average equity | $73,305,000 | 1,120 |
| Average total loans | $506,973,500 | 1,036 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6124% | 1,395 |
| Cost of funding earning assets | 0.4651% | 2,643 |
| Net interest margin | 4.1473% | 1,309 |
| Noninterest income to average assets | 0.4518% | 3,300 |
| Noninterest expense to average assets | 3.1150% | 1,818 |
| Loan and lease loss provision to assets | 0.0908% | 2,378 |
| Net operating income to assets | 0.5163% | 4,337 |
| Return on assets (ROA) | 0.5236% | 4,345 |
| Pretax return on assets | 1.0768% | 3,275 |
| Return on Equity (ROE) | 5.1171% | 4,115 |
| Retained earnings to average equity (ytd only) | 3.5528% | 3,147 |
| Net charge-offs to loans | 0.1136% | 1,919 |
| Credit loss provision to net charge-offs | 113.8614% | 2,297 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 2,323 |
| Efficiency ratio | 70.6529% | 2,449 |
| Assets per employee ($millions) | 4.8118% | 2,719 |
| Cash dividends to net income (ytd only)* | 30.5692% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6884% | 5,094 |
| Loan loss allowance to noncurrent loans | 188.6315% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.3534% | 3,452 |
| Noncurrent loans to loans | 0.3650% | 3,464 |
| Net loans and leases to total assets | 71.8891% | 2,255 |
| Net loans and leases to deposits | 85.0630% | 2,363 |
| Net loans and leases to core deposits | 96.7990% | 1,960 |
| Total domestic deposits to total assets | 84.5128% | 3,032 |
| Equity capital to assets | 10.4151% | 3,248 |
| Core capital (leverage) ratio | 8.6611% | 4,986 |
| Tier 1 risk-based capital ratio | 11.6041% | 4,788 |
| Total risk-based capital ratio | 12.2764% | 5,014 |
| Memoranda: | ||
| Average total assets | $506,682,000 | 1,385 |
| Average earning assets | $466,616,200 | 1,392 |
| Average equity | $51,846,200 | 1,477 |
| Average total loans | $355,544,400 | 1,366 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4262% | 1,872 |
| Cost of funding earning assets | 0.4374% | 2,834 |
| Net interest margin | 3.9887% | 1,737 |
| Noninterest income to average assets | 0.4588% | 3,283 |
| Noninterest expense to average assets | 3.1052% | 1,785 |
| Loan and lease loss provision to assets | 0.0903% | 2,264 |
| Net operating income to assets | 0.6284% | 4,282 |
| Return on assets (ROA) | 0.6359% | 4,307 |
| Pretax return on assets | 0.9694% | 3,804 |
| Return on Equity (ROE) | 6.2572% | 4,007 |
| Retained earnings to average equity (ytd only) | 5.4461% | 2,571 |
| Net charge-offs to loans | 0.1656% | 1,253 |
| Credit loss provision to net charge-offs | 78.6802% | 2,606 |
| Earnings coverage of net charge-offs (x) | 9.1345% | 2,721 |
| Efficiency ratio | 74.7598% | 1,781 |
| Assets per employee ($millions) | 5.2632% | 2,159 |
| Cash dividends to net income (ytd only)* | 12.9637% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6623% | 5,219 |
| Loan loss allowance to noncurrent loans | 185.5329% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 3,734 |
| Noncurrent loans to loans | 0.3570% | 3,674 |
| Net loans and leases to total assets | 70.4009% | 2,499 |
| Net loans and leases to deposits | 82.4624% | 2,727 |
| Net loans and leases to core deposits | 93.9524% | 2,278 |
| Total domestic deposits to total assets | 85.3732% | 2,570 |
| Equity capital to assets | 10.2983% | 3,590 |
| Core capital (leverage) ratio | 8.3902% | 5,321 |
| Tier 1 risk-based capital ratio | 11.1064% | 5,184 |
| Total risk-based capital ratio | 11.7417% | 5,388 |
| Memoranda: | ||
| Average total assets | $457,720,500 | 1,531 |
| Average earning assets | $423,983,750 | 1,536 |
| Average equity | $46,515,500 | 1,635 |
| Average total loans | $317,295,000 | 1,500 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8875% | 3,593 |
| Cost of funding earning assets | 0.3827% | 3,260 |
| Net interest margin | 3.5048% | 3,379 |
| Noninterest income to average assets | 0.5009% | 3,019 |
| Noninterest expense to average assets | 2.5795% | 3,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8038% | 3,384 |
| Return on assets (ROA) | 0.8179% | 3,364 |
| Pretax return on assets | 1.2290% | 2,662 |
| Return on Equity (ROE) | 8.1177% | 2,955 |
| Retained earnings to average equity (ytd only) | 6.6063% | 1,790 |
| Net charge-offs to loans | 0.3048% | 665 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 5.8010% | 2,780 |
| Efficiency ratio | 68.1063% | 2,991 |
| Assets per employee ($millions) | 5.6070% | 1,782 |
| Cash dividends to net income (ytd only)* | 18.6184% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 3,210 |
| Loan loss allowance to noncurrent loans | 145.5497% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.5510% | 2,927 |
| Noncurrent loans to loans | 0.8013% | 2,401 |
| Net loans and leases to total assets | 67.9673% | 2,823 |
| Net loans and leases to deposits | 82.5541% | 2,649 |
| Net loans and leases to core deposits | 95.4437% | 2,030 |
| Total domestic deposits to total assets | 82.3306% | 3,792 |
| Equity capital to assets | 10.0657% | 3,833 |
| Core capital (leverage) ratio | 10.2239% | 3,241 |
| Tier 1 risk-based capital ratio | 13.8431% | 3,510 |
| Total risk-based capital ratio | 14.9467% | 3,507 |
| Memoranda: | ||
| Average total assets | $371,694,670 | 1,838 |
| Average earning assets | $348,554,000 | 1,822 |
| Average equity | $37,449,000 | 1,963 |
| Average total loans | $253,964,000 | 1,801 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8258% | 3,671 |
| Cost of funding earning assets | 0.3631% | 3,381 |
| Net interest margin | 3.4626% | 3,413 |
| Noninterest income to average assets | 0.4568% | 3,277 |
| Noninterest expense to average assets | 2.6427% | 3,334 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7303% | 3,558 |
| Return on assets (ROA) | 0.7348% | 3,589 |
| Pretax return on assets | 1.0640% | 3,118 |
| Return on Equity (ROE) | 7.2895% | 3,273 |
| Retained earnings to average equity (ytd only) | 7.2895% | 1,755 |
| Net charge-offs to loans | -0.0064% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4202% | 2,676 |
| Assets per employee ($millions) | 5.4664% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 2,250 |
| Loan loss allowance to noncurrent loans | 589.5726% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 4,562 |
| Noncurrent loans to loans | 0.2311% | 4,287 |
| Net loans and leases to total assets | 67.1800% | 2,791 |
| Net loans and leases to deposits | 80.7330% | 2,647 |
| Net loans and leases to core deposits | 91.0440% | 2,261 |
| Total domestic deposits to total assets | 83.2125% | 3,762 |
| Equity capital to assets | 10.0536% | 3,691 |
| Core capital (leverage) ratio | 10.2890% | 3,125 |
| Tier 1 risk-based capital ratio | 14.0033% | 3,477 |
| Total risk-based capital ratio | 15.2536% | 3,391 |
| Memoranda: | ||
| Average total assets | $366,904,000 | 1,870 |
| Average earning assets | $343,669,500 | 1,853 |
| Average equity | $36,984,500 | 1,985 |
| Average total loans | $249,845,500 | 1,834 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8836% | 3,632 |
| Cost of funding earning assets | 0.3765% | 3,242 |
| Net interest margin | 3.5071% | 3,400 |
| Noninterest income to average assets | 0.4478% | 3,561 |
| Noninterest expense to average assets | 2.5230% | 3,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8370% | 3,123 |
| Return on assets (ROA) | 0.8506% | 3,174 |
| Pretax return on assets | 1.2400% | 2,514 |
| Return on Equity (ROE) | 8.5374% | 2,648 |
| Retained earnings to average equity (ytd only) | 7.0071% | 1,227 |
| Net charge-offs to loans | 0.0206% | 3,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 86.7647% | 674 |
| Efficiency ratio | 67.4033% | 3,366 |
| Assets per employee ($millions) | 5.4043% | 1,952 |
| Cash dividends to net income (ytd only)* | 17.9254% | 3,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 2,093 |
| Loan loss allowance to noncurrent loans | 336.9863% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.2961% | 4,091 |
| Noncurrent loans to loans | 0.4146% | 3,660 |
| Net loans and leases to total assets | 67.1319% | 2,909 |
| Net loans and leases to deposits | 80.8495% | 2,794 |
| Net loans and leases to core deposits | 91.0681% | 2,396 |
| Total domestic deposits to total assets | 83.0332% | 3,758 |
| Equity capital to assets | 10.1074% | 3,600 |
| Core capital (leverage) ratio | 10.2060% | 3,218 |
| Tier 1 risk-based capital ratio | 14.2569% | 3,310 |
| Total risk-based capital ratio | 15.5074% | 3,239 |
| Memoranda: | ||
| Average total assets | $362,664,200 | 1,839 |
| Average earning assets | $340,762,800 | 1,825 |
| Average equity | $36,135,000 | 2,021 |
| Average total loans | $247,194,200 | 1,803 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8798% | 3,657 |
| Cost of funding earning assets | 0.3760% | 3,271 |
| Net interest margin | 3.5038% | 3,450 |
| Noninterest income to average assets | 0.4491% | 3,565 |
| Noninterest expense to average assets | 2.4332% | 4,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8870% | 2,972 |
| Return on assets (ROA) | 0.9048% | 3,018 |
| Pretax return on assets | 1.3406% | 2,270 |
| Return on Equity (ROE) | 9.1134% | 2,439 |
| Retained earnings to average equity (ytd only) | 8.1177% | 1,127 |
| Net charge-offs to loans | -0.0054% | 4,630 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9309% | 3,776 |
| Assets per employee ($millions) | 5.4708% | 1,881 |
| Cash dividends to net income (ytd only)* | 10.9262% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 2,192 |
| Loan loss allowance to noncurrent loans | 332.9535% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.2873% | 4,281 |
| Noncurrent loans to loans | 0.4210% | 3,771 |
| Net loans and leases to total assets | 67.2775% | 2,909 |
| Net loans and leases to deposits | 82.4077% | 2,679 |
| Net loans and leases to core deposits | 93.5338% | 2,227 |
| Total domestic deposits to total assets | 81.6398% | 4,062 |
| Equity capital to assets | 10.1808% | 3,939 |
| Core capital (leverage) ratio | 10.0298% | 3,533 |
| Tier 1 risk-based capital ratio | 13.8136% | 3,658 |
| Total risk-based capital ratio | 15.0645% | 3,586 |
| Memoranda: | ||
| Average total assets | $362,807,750 | 1,847 |
| Average earning assets | $341,522,000 | 1,821 |
| Average equity | $36,019,250 | 2,034 |
| Average total loans | $247,362,250 | 1,811 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8504% | 3,775 |
| Cost of funding earning assets | 0.3674% | 3,384 |
| Net interest margin | 3.4831% | 3,550 |
| Noninterest income to average assets | 0.4176% | 3,765 |
| Noninterest expense to average assets | 2.4632% | 4,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8336% | 3,158 |
| Return on assets (ROA) | 0.8607% | 3,170 |
| Pretax return on assets | 1.2723% | 2,512 |
| Return on Equity (ROE) | 8.7448% | 2,613 |
| Retained earnings to average equity (ytd only) | 7.2330% | 1,497 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6517% | 3,579 |
| Assets per employee ($millions) | 5.4023% | 1,880 |
| Cash dividends to net income (ytd only)* | 17.2879% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 2,340 |
| Loan loss allowance to noncurrent loans | 225.4030% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.4409% | 3,743 |
| Noncurrent loans to loans | 0.6168% | 3,214 |
| Net loans and leases to total assets | 68.5017% | 2,710 |
| Net loans and leases to deposits | 84.4223% | 2,417 |
| Net loans and leases to core deposits | 97.5029% | 1,852 |
| Total domestic deposits to total assets | 81.1418% | 4,232 |
| Equity capital to assets | 10.0778% | 4,127 |
| Core capital (leverage) ratio | 9.7894% | 3,825 |
| Tier 1 risk-based capital ratio | 13.5405% | 3,872 |
| Total risk-based capital ratio | 14.7916% | 3,786 |
| Memoranda: | ||
| Average total assets | $361,562,670 | 1,853 |
| Average earning assets | $340,273,330 | 1,829 |
| Average equity | $35,586,670 | 2,055 |
| Average total loans | $246,447,330 | 1,817 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8160% | 3,891 |
| Cost of funding earning assets | 0.3637% | 3,463 |
| Net interest margin | 3.4523% | 3,657 |
| Noninterest income to average assets | 0.3952% | 3,867 |
| Noninterest expense to average assets | 2.4429% | 4,245 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8115% | 3,181 |
| Return on assets (ROA) | 0.8446% | 3,142 |
| Pretax return on assets | 1.2475% | 2,515 |
| Return on Equity (ROE) | 8.6849% | 2,566 |
| Retained earnings to average equity (ytd only) | 8.6849% | 1,202 |
| Net charge-offs to loans | 0.0098% | 2,793 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 180.5000% | 335 |
| Efficiency ratio | 67.0821% | 3,618 |
| Assets per employee ($millions) | 5.4607% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 2,322 |
| Loan loss allowance to noncurrent loans | 237.9005% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.4267% | 3,883 |
| Noncurrent loans to loans | 0.5978% | 3,386 |
| Net loans and leases to total assets | 67.1180% | 2,794 |
| Net loans and leases to deposits | 81.2435% | 2,640 |
| Net loans and leases to core deposits | 92.0853% | 2,171 |
| Total domestic deposits to total assets | 82.6134% | 4,032 |
| Equity capital to assets | 9.8856% | 4,233 |
| Core capital (leverage) ratio | 9.8480% | 3,722 |
| Tier 1 risk-based capital ratio | 13.6984% | 3,868 |
| Total risk-based capital ratio | 14.9496% | 3,799 |
| Memoranda: | ||
| Average total assets | $361,367,500 | 1,856 |
| Average earning assets | $339,828,000 | 1,828 |
| Average equity | $35,141,500 | 2,075 |
| Average total loans | $243,951,000 | 1,837 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9375% | 3,574 |
| Cost of funding earning assets | 0.3962% | 3,202 |
| Net interest margin | 3.5413% | 3,367 |
| Noninterest income to average assets | 0.4180% | 3,908 |
| Noninterest expense to average assets | 2.4344% | 4,426 |
| Loan and lease loss provision to assets | -0.0284% | 5,684 |
| Net operating income to assets | 0.8794% | 2,982 |
| Return on assets (ROA) | 0.8877% | 3,022 |
| Pretax return on assets | 1.3383% | 2,137 |
| Return on Equity (ROE) | 9.2621% | 2,338 |
| Retained earnings to average equity (ytd only) | 7.7787% | 988 |
| Net charge-offs to loans | 0.0373% | 3,477 |
| Credit loss provision to net charge-offs | -108.6957% | 5,163 |
| Earnings coverage of net charge-offs (x) | 49.5978% | 1,007 |
| Efficiency ratio | 65.2343% | 4,039 |
| Assets per employee ($millions) | 5.5743% | 1,716 |
| Cash dividends to net income (ytd only)* | 16.0154% | 3,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4416% | 2,246 |
| Loan loss allowance to noncurrent loans | 308.0176% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 4,342 |
| Noncurrent loans to loans | 0.4680% | 3,788 |
| Net loans and leases to total assets | 65.9673% | 2,980 |
| Net loans and leases to deposits | 80.2743% | 2,793 |
| Net loans and leases to core deposits | 91.3818% | 2,285 |
| Total domestic deposits to total assets | 82.1773% | 4,118 |
| Equity capital to assets | 9.5645% | 4,480 |
| Core capital (leverage) ratio | 9.4830% | 4,197 |
| Tier 1 risk-based capital ratio | 13.5104% | 4,000 |
| Total risk-based capital ratio | 14.7617% | 3,936 |
| Memoranda: | ||
| Average total assets | $351,703,800 | 1,861 |
| Average earning assets | $329,116,800 | 1,844 |
| Average equity | $33,707,400 | 2,112 |
| Average total loans | $246,876,000 | 1,743 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9512% | 3,538 |
| Cost of funding earning assets | 0.3965% | 3,256 |
| Net interest margin | 3.5547% | 3,323 |
| Noninterest income to average assets | 0.4102% | 4,004 |
| Noninterest expense to average assets | 2.4241% | 4,443 |
| Loan and lease loss provision to assets | -0.0095% | 5,815 |
| Net operating income to assets | 0.8740% | 3,072 |
| Return on assets (ROA) | 0.8851% | 3,102 |
| Pretax return on assets | 1.3381% | 2,253 |
| Return on Equity (ROE) | 9.2298% | 2,448 |
| Retained earnings to average equity (ytd only) | 8.3215% | 1,122 |
| Net charge-offs to loans | -0.0199% | 5,211 |
| Credit loss provision to net charge-offs | 67.5676% | 2,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8875% | 4,087 |
| Assets per employee ($millions) | 5.5329% | 1,759 |
| Cash dividends to net income (ytd only)* | 9.8402% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 2,110 |
| Loan loss allowance to noncurrent loans | 369.2615% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 4,668 |
| Noncurrent loans to loans | 0.4093% | 4,140 |
| Net loans and leases to total assets | 66.0193% | 3,009 |
| Net loans and leases to deposits | 80.9972% | 2,767 |
| Net loans and leases to core deposits | 92.8303% | 2,184 |
| Total domestic deposits to total assets | 81.5082% | 4,321 |
| Equity capital to assets | 9.4391% | 4,831 |
| Core capital (leverage) ratio | 9.6298% | 4,136 |
| Tier 1 risk-based capital ratio | 13.2200% | 4,306 |
| Total risk-based capital ratio | 14.4724% | 4,231 |
| Memoranda: | ||
| Average total assets | $349,047,000 | 1,888 |
| Average earning assets | $326,541,000 | 1,872 |
| Average equity | $33,470,500 | 2,133 |
| Average total loans | $247,966,000 | 1,754 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9986% | 3,297 |
| Cost of funding earning assets | 0.3994% | 3,283 |
| Net interest margin | 3.5992% | 3,097 |
| Noninterest income to average assets | 0.4120% | 3,992 |
| Noninterest expense to average assets | 2.4873% | 4,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8496% | 3,129 |
| Return on assets (ROA) | 0.8665% | 3,154 |
| Pretax return on assets | 1.3071% | 2,332 |
| Return on Equity (ROE) | 8.9868% | 2,555 |
| Retained earnings to average equity (ytd only) | 7.6107% | 1,422 |
| Net charge-offs to loans | -0.0056% | 4,769 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9975% | 4,007 |
| Assets per employee ($millions) | 4.9920% | 2,283 |
| Cash dividends to net income (ytd only)* | 15.3123% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 2,466 |
| Loan loss allowance to noncurrent loans | 388.9474% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2999% | 4,682 |
| Noncurrent loans to loans | 0.3752% | 4,363 |
| Net loans and leases to total assets | 72.4444% | 1,905 |
| Net loans and leases to deposits | 90.0614% | 1,591 |
| Net loans and leases to core deposits | 103.9820% | 1,192 |
| Total domestic deposits to total assets | 80.4389% | 4,768 |
| Equity capital to assets | 9.7234% | 4,376 |
| Core capital (leverage) ratio | 9.8036% | 3,857 |
| Tier 1 risk-based capital ratio | 13.0444% | 4,492 |
| Total risk-based capital ratio | 14.2966% | 4,412 |
| Memoranda: | ||
| Average total assets | $343,672,000 | 1,924 |
| Average earning assets | $320,512,000 | 1,912 |
| Average equity | $33,137,670 | 2,165 |
| Average total loans | $249,026,670 | 1,747 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9425% | 3,448 |
| Cost of funding earning assets | 0.4000% | 3,307 |
| Net interest margin | 3.5425% | 3,252 |
| Noninterest income to average assets | 0.4078% | 3,936 |
| Noninterest expense to average assets | 2.5239% | 4,192 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7876% | 3,328 |
| Return on assets (ROA) | 0.8215% | 3,279 |
| Pretax return on assets | 1.2375% | 2,519 |
| Return on Equity (ROE) | 8.5557% | 2,670 |
| Retained earnings to average equity (ytd only) | 8.5557% | 1,357 |
| Net charge-offs to loans | -0.0356% | 5,344 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0276% | 3,817 |
| Assets per employee ($millions) | 5.1081% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 2,452 |
| Loan loss allowance to noncurrent loans | 466.6667% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.2646% | 4,883 |
| Noncurrent loans to loans | 0.3209% | 4,642 |
| Net loans and leases to total assets | 70.2440% | 2,106 |
| Net loans and leases to deposits | 85.7543% | 1,859 |
| Net loans and leases to core deposits | 98.7179% | 1,408 |
| Total domestic deposits to total assets | 81.9132% | 4,535 |
| Equity capital to assets | 9.6119% | 4,620 |
| Core capital (leverage) ratio | 9.6437% | 4,094 |
| Tier 1 risk-based capital ratio | 13.0961% | 4,554 |
| Total risk-based capital ratio | 14.3485% | 4,472 |
| Memoranda: | ||
| Average total assets | $343,283,500 | 1,940 |
| Average earning assets | $320,001,000 | 1,924 |
| Average equity | $32,960,500 | 2,183 |
| Average total loans | $246,925,500 | 1,762 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1351% | 3,181 |
| Cost of funding earning assets | 0.4404% | 3,263 |
| Net interest margin | 3.6948% | 3,027 |
| Noninterest income to average assets | 0.4100% | 4,113 |
| Noninterest expense to average assets | 2.4655% | 4,651 |
| Loan and lease loss provision to assets | 0.0458% | 3,658 |
| Net operating income to assets | 0.8923% | 2,915 |
| Return on assets (ROA) | 0.8923% | 3,001 |
| Pretax return on assets | 1.3590% | 2,045 |
| Return on Equity (ROE) | 9.3758% | 2,401 |
| Retained earnings to average equity (ytd only) | 7.9366% | 1,045 |
| Net charge-offs to loans | 0.1313% | 2,701 |
| Credit loss provision to net charge-offs | 48.0769% | 3,525 |
| Earnings coverage of net charge-offs (x) | 14.7596% | 2,133 |
| Efficiency ratio | 63.7030% | 4,629 |
| Assets per employee ($millions) | 5.1396% | 2,135 |
| Cash dividends to net income (ytd only)* | 15.3504% | 3,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4983% | 2,483 |
| Loan loss allowance to noncurrent loans | 380.5986% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 4,527 |
| Noncurrent loans to loans | 0.3937% | 4,464 |
| Net loans and leases to total assets | 71.4765% | 2,001 |
| Net loans and leases to deposits | 87.3830% | 1,804 |
| Net loans and leases to core deposits | 100.9506% | 1,321 |
| Total domestic deposits to total assets | 81.7968% | 4,494 |
| Equity capital to assets | 9.5910% | 4,602 |
| Core capital (leverage) ratio | 9.5785% | 4,135 |
| Tier 1 risk-based capital ratio | 12.7150% | 4,912 |
| Total risk-based capital ratio | 13.9675% | 4,819 |
| Memoranda: | ||
| Average total assets | $327,803,800 | 1,983 |
| Average earning assets | $307,002,400 | 1,955 |
| Average equity | $31,197,200 | 2,208 |
| Average total loans | $237,648,000 | 1,778 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1259% | 3,269 |
| Cost of funding earning assets | 0.4487% | 3,268 |
| Net interest margin | 3.6772% | 3,119 |
| Noninterest income to average assets | 0.4193% | 4,103 |
| Noninterest expense to average assets | 2.4499% | 4,666 |
| Loan and lease loss provision to assets | 0.0615% | 3,126 |
| Net operating income to assets | 0.8912% | 2,950 |
| Return on assets (ROA) | 0.8912% | 3,053 |
| Pretax return on assets | 1.3614% | 2,152 |
| Return on Equity (ROE) | 9.3832% | 2,504 |
| Retained earnings to average equity (ytd only) | 8.4371% | 1,175 |
| Net charge-offs to loans | 0.0091% | 4,411 |
| Credit loss provision to net charge-offs | 937.5000% | 346 |
| Earnings coverage of net charge-offs (x) | 216.7782% | 301 |
| Efficiency ratio | 63.2588% | 4,673 |
| Assets per employee ($millions) | 5.2081% | 2,005 |
| Cash dividends to net income (ytd only)* | 10.0828% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6063% | 2,285 |
| Loan loss allowance to noncurrent loans | 2,886.9565% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 5,564 |
| Noncurrent loans to loans | 0.0556% | 5,792 |
| Net loans and leases to total assets | 72.0889% | 1,831 |
| Net loans and leases to deposits | 88.5136% | 1,608 |
| Net loans and leases to core deposits | 102.0733% | 1,209 |
| Total domestic deposits to total assets | 81.4439% | 4,682 |
| Equity capital to assets | 9.4454% | 4,867 |
| Core capital (leverage) ratio | 9.4792% | 4,407 |
| Tier 1 risk-based capital ratio | 12.5027% | 5,169 |
| Total risk-based capital ratio | 13.7565% | 5,103 |
| Memoranda: | ||
| Average total assets | $324,951,000 | 2,011 |
| Average earning assets | $305,186,750 | 1,981 |
| Average equity | $30,863,000 | 2,236 |
| Average total loans | $235,523,250 | 1,796 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1350% | 3,210 |
| Cost of funding earning assets | 0.4573% | 3,239 |
| Net interest margin | 3.6777% | 3,040 |
| Noninterest income to average assets | 0.4269% | 4,045 |
| Noninterest expense to average assets | 2.5285% | 4,487 |
| Loan and lease loss provision to assets | 0.0624% | 3,022 |
| Net operating income to assets | 0.8470% | 3,088 |
| Return on assets (ROA) | 0.8470% | 3,193 |
| Pretax return on assets | 1.2895% | 2,295 |
| Return on Equity (ROE) | 8.9006% | 2,638 |
| Retained earnings to average equity (ytd only) | 7.4642% | 1,534 |
| Net charge-offs to loans | 0.0173% | 3,877 |
| Credit loss provision to net charge-offs | 500.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 108.3000% | 525 |
| Efficiency ratio | 65.1600% | 4,493 |
| Assets per employee ($millions) | 4.8132% | 2,454 |
| Cash dividends to net income (ytd only)* | 16.1385% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6547% | 2,276 |
| Loan loss allowance to noncurrent loans | 2,079.3651% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.1757% | 5,617 |
| Noncurrent loans to loans | 0.0796% | 5,784 |
| Net loans and leases to total assets | 71.3630% | 1,851 |
| Net loans and leases to deposits | 87.6831% | 1,631 |
| Net loans and leases to core deposits | 102.9936% | 1,082 |
| Total domestic deposits to total assets | 81.3874% | 4,846 |
| Equity capital to assets | 9.5558% | 4,683 |
| Core capital (leverage) ratio | 9.5533% | 4,248 |
| Tier 1 risk-based capital ratio | 12.8232% | 5,020 |
| Total risk-based capital ratio | 14.0777% | 4,955 |
| Memoranda: | ||
| Average total assets | $320,426,330 | 2,041 |
| Average earning assets | $300,892,000 | 2,002 |
| Average equity | $30,492,330 | 2,247 |
| Average total loans | $231,356,670 | 1,816 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1160% | 3,221 |
| Cost of funding earning assets | 0.4646% | 3,270 |
| Net interest margin | 3.6514% | 3,052 |
| Noninterest income to average assets | 0.3849% | 4,310 |
| Noninterest expense to average assets | 2.5717% | 4,373 |
| Loan and lease loss provision to assets | 0.0631% | 2,861 |
| Net operating income to assets | 0.7861% | 3,222 |
| Return on assets (ROA) | 0.7861% | 3,302 |
| Pretax return on assets | 1.1811% | 2,566 |
| Return on Equity (ROE) | 8.2789% | 2,807 |
| Retained earnings to average equity (ytd only) | 8.2789% | 1,503 |
| Net charge-offs to loans | -0.0070% | 4,917 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3942% | 4,298 |
| Assets per employee ($millions) | 4.7357% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6702% | 2,438 |
| Loan loss allowance to noncurrent loans | 1,895.1456% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.2854% | 5,305 |
| Noncurrent loans to loans | 0.0881% | 5,865 |
| Net loans and leases to total assets | 71.3713% | 1,668 |
| Net loans and leases to deposits | 87.5015% | 1,418 |
| Net loans and leases to core deposits | 102.7232% | 944 |
| Total domestic deposits to total assets | 81.5658% | 5,071 |
| Equity capital to assets | 9.4629% | 4,548 |
| Core capital (leverage) ratio | 9.6070% | 4,122 |
| Tier 1 risk-based capital ratio | 12.7395% | 5,168 |
| Total risk-based capital ratio | 13.9938% | 5,101 |
| Memoranda: | ||
| Average total assets | $316,989,500 | 2,066 |
| Average earning assets | $297,860,000 | 2,026 |
| Average equity | $30,100,500 | 2,269 |
| Average total loans | $228,284,500 | 1,833 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1208% | 3,660 |
| Cost of funding earning assets | 0.5645% | 2,978 |
| Net interest margin | 3.5563% | 3,653 |
| Noninterest income to average assets | 0.3651% | 4,700 |
| Noninterest expense to average assets | 2.3963% | 5,079 |
| Loan and lease loss provision to assets | -0.0185% | 6,292 |
| Net operating income to assets | 0.8936% | 2,813 |
| Return on assets (ROA) | 0.9065% | 2,831 |
| Pretax return on assets | 1.3597% | 1,932 |
| Return on Equity (ROE) | 9.1638% | 2,465 |
| Retained earnings to average equity (ytd only) | 7.4842% | 1,240 |
| Net charge-offs to loans | 0.0773% | 4,133 |
| Credit loss provision to net charge-offs | -34.3373% | 5,756 |
| Earnings coverage of net charge-offs (x) | 24.4940% | 1,366 |
| Efficiency ratio | 64.4456% | 4,830 |
| Assets per employee ($millions) | 4.6560% | 2,648 |
| Cash dividends to net income (ytd only)* | 18.3286% | 3,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 2,313 |
| Loan loss allowance to noncurrent loans | 647.0588% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.3574% | 5,183 |
| Noncurrent loans to loans | 0.2670% | 5,385 |
| Net loans and leases to total assets | 70.1967% | 1,981 |
| Net loans and leases to deposits | 83.7521% | 1,970 |
| Net loans and leases to core deposits | 109.7611% | 616 |
| Total domestic deposits to total assets | 83.8148% | 4,237 |
| Equity capital to assets | 9.5297% | 4,381 |
| Core capital (leverage) ratio | 9.7092% | 3,972 |
| Tier 1 risk-based capital ratio | 13.0364% | 4,942 |
| Total risk-based capital ratio | 14.2912% | 4,895 |
| Memoranda: | ||
| Average total assets | $307,557,200 | 2,096 |
| Average earning assets | $289,992,600 | 2,046 |
| Average equity | $30,424,200 | 2,233 |
| Average total loans | $214,647,600 | 1,895 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1067% | 3,732 |
| Cost of funding earning assets | 0.5815% | 2,979 |
| Net interest margin | 3.5252% | 3,774 |
| Noninterest income to average assets | 0.3515% | 4,879 |
| Noninterest expense to average assets | 2.3293% | 5,244 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8971% | 2,848 |
| Return on assets (ROA) | 0.9141% | 2,866 |
| Pretax return on assets | 1.3761% | 2,012 |
| Return on Equity (ROE) | 9.1550% | 2,567 |
| Retained earnings to average equity (ytd only) | 7.8957% | 1,455 |
| Net charge-offs to loans | 0.0464% | 4,246 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 41.9477% | 971 |
| Efficiency ratio | 63.3010% | 4,923 |
| Assets per employee ($millions) | 4.8333% | 2,387 |
| Cash dividends to net income (ytd only)* | 13.7552% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8470% | 2,151 |
| Loan loss allowance to noncurrent loans | 655.5738% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 5,313 |
| Noncurrent loans to loans | 0.2817% | 5,524 |
| Net loans and leases to total assets | 68.7016% | 2,198 |
| Net loans and leases to deposits | 81.2434% | 2,239 |
| Net loans and leases to core deposits | 108.1210% | 662 |
| Total domestic deposits to total assets | 84.5627% | 3,945 |
| Equity capital to assets | 9.5394% | 4,501 |
| Core capital (leverage) ratio | 9.7534% | 4,026 |
| Tier 1 risk-based capital ratio | 13.1102% | 5,046 |
| Total risk-based capital ratio | 14.3665% | 4,989 |
| Memoranda: | ||
| Average total assets | $306,458,500 | 2,106 |
| Average earning assets | $289,341,500 | 2,060 |
| Average equity | $30,598,250 | 2,239 |
| Average total loans | $212,602,000 | 1,914 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1016% | 3,727 |
| Cost of funding earning assets | 0.5918% | 3,014 |
| Net interest margin | 3.5098% | 3,740 |
| Noninterest income to average assets | 0.3299% | 5,052 |
| Noninterest expense to average assets | 2.3038% | 5,366 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8825% | 2,884 |
| Return on assets (ROA) | 0.9080% | 2,888 |
| Pretax return on assets | 1.3728% | 2,028 |
| Return on Equity (ROE) | 8.9595% | 2,625 |
| Retained earnings to average equity (ytd only) | 7.0926% | 1,850 |
| Net charge-offs to loans | -0.0076% | 5,713 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3255% | 4,957 |
| Assets per employee ($millions) | 4.7354% | 2,472 |
| Cash dividends to net income (ytd only)* | 20.8363% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9501% | 1,964 |
| Loan loss allowance to noncurrent loans | 402.0690% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.5065% | 5,000 |
| Noncurrent loans to loans | 0.4850% | 5,053 |
| Net loans and leases to total assets | 67.7042% | 2,306 |
| Net loans and leases to deposits | 80.8235% | 2,208 |
| Net loans and leases to core deposits | 110.2823% | 555 |
| Total domestic deposits to total assets | 83.7679% | 4,429 |
| Equity capital to assets | 9.5659% | 4,494 |
| Core capital (leverage) ratio | 9.5896% | 4,097 |
| Tier 1 risk-based capital ratio | 12.9497% | 5,177 |
| Total risk-based capital ratio | 14.2067% | 5,110 |
| Memoranda: | ||
| Average total assets | $305,501,670 | 2,121 |
| Average earning assets | $287,934,330 | 2,075 |
| Average equity | $30,961,670 | 2,223 |
| Average total loans | $211,298,330 | 1,924 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1128% | 3,671 |
| Cost of funding earning assets | 0.5883% | 3,225 |
| Net interest margin | 3.5245% | 3,597 |
| Noninterest income to average assets | 0.2621% | 5,587 |
| Noninterest expense to average assets | 2.3396% | 5,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8175% | 3,063 |
| Return on assets (ROA) | 0.8372% | 3,108 |
| Pretax return on assets | 1.2728% | 2,324 |
| Return on Equity (ROE) | 8.0383% | 2,954 |
| Retained earnings to average equity (ytd only) | 7.6001% | 1,898 |
| Net charge-offs to loans | 0.0301% | 3,610 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 59.5625% | 599 |
| Efficiency ratio | 65.3076% | 4,779 |
| Assets per employee ($millions) | 4.8793% | 2,379 |
| Cash dividends to net income (ytd only)* | 5.4517% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9329% | 2,216 |
| Loan loss allowance to noncurrent loans | 302.7612% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.5615% | 4,985 |
| Noncurrent loans to loans | 0.6384% | 4,849 |
| Net loans and leases to total assets | 66.9631% | 2,206 |
| Net loans and leases to deposits | 81.3806% | 1,912 |
| Net loans and leases to core deposits | 110.5413% | 483 |
| Total domestic deposits to total assets | 82.2839% | 5,096 |
| Equity capital to assets | 10.4648% | 3,578 |
| Core capital (leverage) ratio | 10.3346% | 2,990 |
| Tier 1 risk-based capital ratio | 14.0725% | 4,459 |
| Total risk-based capital ratio | 15.3248% | 4,410 |
| Memoranda: | ||
| Average total assets | $306,719,000 | 2,139 |
| Average earning assets | $288,949,000 | 2,090 |
| Average equity | $31,947,000 | 2,186 |
| Average total loans | $212,312,500 | 1,927 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3436% | 4,041 |
| Cost of funding earning assets | 0.7299% | 3,256 |
| Net interest margin | 3.6137% | 4,029 |
| Noninterest income to average assets | 0.3865% | 4,714 |
| Noninterest expense to average assets | 2.3196% | 5,637 |
| Loan and lease loss provision to assets | 0.2631% | 2,542 |
| Net operating income to assets | 0.7801% | 3,370 |
| Return on assets (ROA) | 0.7969% | 3,547 |
| Pretax return on assets | 1.2331% | 2,662 |
| Return on Equity (ROE) | 7.0565% | 3,611 |
| Retained earnings to average equity (ytd only) | 4.7777% | 2,867 |
| Net charge-offs to loans | 0.3121% | 3,082 |
| Credit loss provision to net charge-offs | 127.3438% | 2,214 |
| Earnings coverage of net charge-offs (x) | 7.1156% | 2,674 |
| Efficiency ratio | 61.2029% | 5,358 |
| Assets per employee ($millions) | 4.7820% | 2,520 |
| Cash dividends to net income (ytd only)* | 32.2934% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8968% | 2,303 |
| Loan loss allowance to noncurrent loans | 303.7286% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.6136% | 4,939 |
| Noncurrent loans to loans | 0.6245% | 4,958 |
| Net loans and leases to total assets | 68.8314% | 2,061 |
| Net loans and leases to deposits | 84.1862% | 1,734 |
| Net loans and leases to core deposits | 115.0391% | 383 |
| Total domestic deposits to total assets | 81.7609% | 5,174 |
| Equity capital to assets | 10.3664% | 3,674 |
| Core capital (leverage) ratio | 10.1119% | 3,259 |
| Tier 1 risk-based capital ratio | 13.4694% | 4,773 |
| Total risk-based capital ratio | 14.7258% | 4,727 |
| Memoranda: | ||
| Average total assets | $309,710,800 | 2,076 |
| Average earning assets | $291,692,200 | 2,031 |
| Average equity | $34,975,000 | 1,976 |
| Average total loans | $205,040,000 | 1,967 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3423% | 4,287 |
| Cost of funding earning assets | 0.7523% | 3,332 |
| Net interest margin | 3.5900% | 4,275 |
| Noninterest income to average assets | 0.3786% | 4,792 |
| Noninterest expense to average assets | 2.2320% | 5,876 |
| Loan and lease loss provision to assets | 0.2747% | 2,381 |
| Net operating income to assets | 0.8157% | 3,370 |
| Return on assets (ROA) | 0.8215% | 3,580 |
| Pretax return on assets | 1.2667% | 2,722 |
| Return on Equity (ROE) | 7.1309% | 3,737 |
| Retained earnings to average equity (ytd only) | 5.2941% | 3,162 |
| Net charge-offs to loans | 0.3277% | 2,820 |
| Credit loss provision to net charge-offs | 128.5141% | 2,247 |
| Earnings coverage of net charge-offs (x) | 7.1687% | 2,647 |
| Efficiency ratio | 59.2930% | 5,615 |
| Assets per employee ($millions) | 5.0365% | 2,139 |
| Cash dividends to net income (ytd only)* | 25.7577% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9509% | 2,324 |
| Loan loss allowance to noncurrent loans | 176.3422% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.9912% | 4,298 |
| Noncurrent loans to loans | 1.1063% | 4,206 |
| Net loans and leases to total assets | 65.0224% | 2,833 |
| Net loans and leases to deposits | 80.8856% | 2,265 |
| Net loans and leases to core deposits | 114.8813% | 408 |
| Total domestic deposits to total assets | 80.3881% | 5,551 |
| Equity capital to assets | 11.7524% | 2,483 |
| Core capital (leverage) ratio | 11.4555% | 2,019 |
| Tier 1 risk-based capital ratio | 15.7921% | 3,379 |
| Total risk-based capital ratio | 17.0488% | 3,346 |
| Memoranda: | ||
| Average total assets | $310,627,250 | 2,096 |
| Average earning assets | $292,956,500 | 2,038 |
| Average equity | $35,787,250 | 1,949 |
| Average total loans | $202,618,000 | 2,010 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3908% | 4,222 |
| Cost of funding earning assets | 0.7856% | 3,315 |
| Net interest margin | 3.6052% | 4,239 |
| Noninterest income to average assets | 0.3664% | 4,895 |
| Noninterest expense to average assets | 2.2097% | 5,976 |
| Loan and lease loss provision to assets | 0.2709% | 2,418 |
| Net operating income to assets | 0.8391% | 3,202 |
| Return on assets (ROA) | 0.8391% | 3,465 |
| Pretax return on assets | 1.2926% | 2,586 |
| Return on Equity (ROE) | 7.3330% | 3,596 |
| Retained earnings to average equity (ytd only) | 5.1348% | 3,195 |
| Net charge-offs to loans | 0.3431% | 2,643 |
| Credit loss provision to net charge-offs | 121.7391% | 2,256 |
| Earnings coverage of net charge-offs (x) | 7.0261% | 2,535 |
| Efficiency ratio | 58.5641% | 5,793 |
| Assets per employee ($millions) | 4.8826% | 2,314 |
| Cash dividends to net income (ytd only)* | 29.9769% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9612% | 2,337 |
| Loan loss allowance to noncurrent loans | 268.0837% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.7701% | 4,869 |
| Noncurrent loans to loans | 0.7316% | 5,041 |
| Net loans and leases to total assets | 64.5643% | 2,919 |
| Net loans and leases to deposits | 79.0831% | 2,514 |
| Net loans and leases to core deposits | 112.7568% | 491 |
| Total domestic deposits to total assets | 81.6411% | 5,248 |
| Equity capital to assets | 11.7121% | 2,399 |
| Core capital (leverage) ratio | 11.4934% | 1,912 |
| Tier 1 risk-based capital ratio | 15.8375% | 3,253 |
| Total risk-based capital ratio | 17.0943% | 3,218 |
| Memoranda: | ||
| Average total assets | $310,083,000 | 2,096 |
| Average earning assets | $293,021,670 | 2,028 |
| Average equity | $35,483,670 | 1,951 |
| Average total loans | $201,131,000 | 2,011 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4296% | 4,200 |
| Cost of funding earning assets | 0.8217% | 3,296 |
| Net interest margin | 3.6079% | 4,232 |
| Noninterest income to average assets | 0.4009% | 4,665 |
| Noninterest expense to average assets | 2.2099% | 6,018 |
| Loan and lease loss provision to assets | 0.3212% | 1,958 |
| Net operating income to assets | 0.8326% | 3,229 |
| Return on assets (ROA) | 0.8326% | 3,464 |
| Pretax return on assets | 1.2771% | 2,622 |
| Return on Equity (ROE) | 7.3611% | 3,579 |
| Retained earnings to average equity (ytd only) | 6.2024% | 2,838 |
| Net charge-offs to loans | 0.2176% | 2,837 |
| Credit loss provision to net charge-offs | 229.3578% | 1,222 |
| Earnings coverage of net charge-offs (x) | 11.4128% | 1,673 |
| Efficiency ratio | 58.0297% | 5,914 |
| Assets per employee ($millions) | 5.1649% | 2,040 |
| Cash dividends to net income (ytd only)* | 15.7407% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0201% | 2,299 |
| Loan loss allowance to noncurrent loans | 348.4901% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.7438% | 5,063 |
| Noncurrent loans to loans | 0.5797% | 5,510 |
| Net loans and leases to total assets | 63.2160% | 3,001 |
| Net loans and leases to deposits | 77.8769% | 2,536 |
| Net loans and leases to core deposits | 110.7754% | 507 |
| Total domestic deposits to total assets | 81.1743% | 5,552 |
| Equity capital to assets | 11.4354% | 2,497 |
| Core capital (leverage) ratio | 11.2780% | 2,050 |
| Tier 1 risk-based capital ratio | 15.9851% | 3,186 |
| Total risk-based capital ratio | 17.2427% | 3,147 |
| Memoranda: | ||
| Average total assets | $311,322,000 | 2,087 |
| Average earning assets | $294,021,500 | 2,024 |
| Average equity | $35,212,000 | 1,967 |
| Average total loans | $200,408,500 | 2,031 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5858% | 4,729 |
| Cost of funding earning assets | 0.9634% | 3,618 |
| Net interest margin | 3.6223% | 4,644 |
| Noninterest income to average assets | 0.3622% | 4,918 |
| Noninterest expense to average assets | 2.2433% | 6,180 |
| Loan and lease loss provision to assets | 0.3916% | 2,642 |
| Net operating income to assets | 0.7364% | 3,311 |
| Return on assets (ROA) | 0.7364% | 3,481 |
| Pretax return on assets | 1.1440% | 2,680 |
| Return on Equity (ROE) | 6.6760% | 3,551 |
| Retained earnings to average equity (ytd only) | 4.3629% | 3,072 |
| Net charge-offs to loans | 0.5613% | 2,774 |
| Credit loss provision to net charge-offs | 105.6338% | 3,237 |
| Earnings coverage of net charge-offs (x) | 4.1426% | 3,246 |
| Efficiency ratio | 59.3645% | 5,851 |
| Assets per employee ($millions) | 5.2125% | 1,930 |
| Cash dividends to net income (ytd only)* | 34.6478% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9405% | 2,448 |
| Loan loss allowance to noncurrent loans | 208.3378% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.8918% | 4,830 |
| Noncurrent loans to loans | 0.9314% | 4,836 |
| Net loans and leases to total assets | 62.9823% | 3,407 |
| Net loans and leases to deposits | 78.1908% | 2,807 |
| Net loans and leases to core deposits | 109.3552% | 642 |
| Total domestic deposits to total assets | 80.5495% | 5,578 |
| Equity capital to assets | 11.1866% | 2,812 |
| Core capital (leverage) ratio | 11.1304% | 2,171 |
| Tier 1 risk-based capital ratio | 16.3031% | 2,903 |
| Total risk-based capital ratio | 17.5606% | 2,871 |
| Memoranda: | ||
| Average total assets | $306,471,400 | 2,084 |
| Average earning assets | $289,068,200 | 2,032 |
| Average equity | $33,807,600 | 1,975 |
| Average total loans | $202,377,200 | 2,023 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6303% | 4,745 |
| Cost of funding earning assets | 0.9918% | 3,739 |
| Net interest margin | 3.6385% | 4,624 |
| Noninterest income to average assets | 0.3612% | 4,979 |
| Noninterest expense to average assets | 2.2503% | 6,166 |
| Loan and lease loss provision to assets | 0.3717% | 2,623 |
| Net operating income to assets | 0.7486% | 3,387 |
| Return on assets (ROA) | 0.7486% | 3,549 |
| Pretax return on assets | 1.1689% | 2,746 |
| Return on Equity (ROE) | 6.8111% | 3,606 |
| Retained earnings to average equity (ytd only) | 4.8497% | 3,276 |
| Net charge-offs to loans | 0.6010% | 2,457 |
| Credit loss provision to net charge-offs | 92.9978% | 3,669 |
| Earnings coverage of net charge-offs (x) | 3.8545% | 3,273 |
| Efficiency ratio | 59.3609% | 5,816 |
| Assets per employee ($millions) | 5.1234% | 2,031 |
| Cash dividends to net income (ytd only)* | 28.7969% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8624% | 2,740 |
| Loan loss allowance to noncurrent loans | 275.7864% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.9496% | 4,848 |
| Noncurrent loans to loans | 0.6753% | 5,534 |
| Net loans and leases to total assets | 64.6243% | 3,183 |
| Net loans and leases to deposits | 81.5195% | 2,444 |
| Net loans and leases to core deposits | 117.3005% | 460 |
| Total domestic deposits to total assets | 79.2746% | 5,929 |
| Equity capital to assets | 11.3401% | 2,824 |
| Core capital (leverage) ratio | 11.0214% | 2,370 |
| Tier 1 risk-based capital ratio | 16.0809% | 3,075 |
| Total risk-based capital ratio | 17.3375% | 3,034 |
| Memoranda: | ||
| Average total assets | $304,902,250 | 2,109 |
| Average earning assets | $287,402,750 | 2,050 |
| Average equity | $33,513,000 | 1,993 |
| Average total loans | $202,753,000 | 2,038 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6336% | 4,827 |
| Cost of funding earning assets | 1.0060% | 3,912 |
| Net interest margin | 3.6276% | 4,617 |
| Noninterest income to average assets | 0.3420% | 5,145 |
| Noninterest expense to average assets | 2.2988% | 6,136 |
| Loan and lease loss provision to assets | 0.3618% | 2,623 |
| Net operating income to assets | 0.7058% | 3,514 |
| Return on assets (ROA) | 0.7058% | 3,623 |
| Pretax return on assets | 1.1017% | 2,843 |
| Return on Equity (ROE) | 6.4904% | 3,711 |
| Retained earnings to average equity (ytd only) | 4.1314% | 3,566 |
| Net charge-offs to loans | 0.5215% | 2,535 |
| Credit loss provision to net charge-offs | 103.9698% | 2,973 |
| Earnings coverage of net charge-offs (x) | 4.2060% | 2,928 |
| Efficiency ratio | 61.1014% | 5,715 |
| Assets per employee ($millions) | 5.0064% | 2,114 |
| Cash dividends to net income (ytd only)* | 36.3467% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9079% | 2,644 |
| Loan loss allowance to noncurrent loans | 147.2498% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 1.2990% | 4,304 |
| Noncurrent loans to loans | 1.2957% | 4,490 |
| Net loans and leases to total assets | 64.8991% | 3,275 |
| Net loans and leases to deposits | 82.2165% | 2,419 |
| Net loans and leases to core deposits | 121.4488% | 384 |
| Total domestic deposits to total assets | 78.9368% | 6,105 |
| Equity capital to assets | 11.0766% | 2,880 |
| Core capital (leverage) ratio | 10.9299% | 2,316 |
| Tier 1 risk-based capital ratio | 15.7851% | 3,088 |
| Total risk-based capital ratio | 17.0423% | 3,065 |
| Memoranda: | ||
| Average total assets | $304,067,670 | 2,120 |
| Average earning assets | $286,687,330 | 2,063 |
| Average equity | $33,064,000 | 2,001 |
| Average total loans | $202,861,000 | 2,061 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5949% | 4,966 |
| Cost of funding earning assets | 1.0214% | 4,054 |
| Net interest margin | 3.5735% | 4,701 |
| Noninterest income to average assets | 0.4034% | 4,674 |
| Noninterest expense to average assets | 2.3296% | 6,109 |
| Loan and lease loss provision to assets | 0.3955% | 2,216 |
| Net operating income to assets | 0.6737% | 3,636 |
| Return on assets (ROA) | 0.6737% | 3,707 |
| Pretax return on assets | 1.0455% | 2,964 |
| Return on Equity (ROE) | 6.2541% | 3,752 |
| Retained earnings to average equity (ytd only) | 5.0057% | 3,192 |
| Net charge-offs to loans | 0.3424% | 2,692 |
| Credit loss provision to net charge-offs | 172.4138% | 1,681 |
| Earnings coverage of net charge-offs (x) | 6.2816% | 2,126 |
| Efficiency ratio | 61.7832% | 5,713 |
| Assets per employee ($millions) | 5.0397% | 2,109 |
| Cash dividends to net income (ytd only)* | 19.9609% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9458% | 2,553 |
| Loan loss allowance to noncurrent loans | 364.6409% | 854 |
| Noncurrent assets plus other real estate owned to assets | 1.0087% | 4,885 |
| Noncurrent loans to loans | 0.5336% | 5,961 |
| Net loans and leases to total assets | 64.9124% | 3,260 |
| Net loans and leases to deposits | 81.1104% | 2,506 |
| Net loans and leases to core deposits | 120.9725% | 397 |
| Total domestic deposits to total assets | 80.0297% | 5,939 |
| Equity capital to assets | 10.6811% | 3,005 |
| Core capital (leverage) ratio | 10.7506% | 2,398 |
| Tier 1 risk-based capital ratio | 15.3440% | 3,237 |
| Total risk-based capital ratio | 16.6013% | 3,199 |
| Memoranda: | ||
| Average total assets | $303,406,000 | 2,135 |
| Average earning assets | $285,882,500 | 2,076 |
| Average equity | $32,682,500 | 2,004 |
| Average total loans | $203,266,000 | 2,076 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7592% | 5,585 |
| Cost of funding earning assets | 1.1839% | 4,652 |
| Net interest margin | 3.5753% | 4,936 |
| Noninterest income to average assets | 0.3100% | 5,585 |
| Noninterest expense to average assets | 2.2474% | 6,488 |
| Loan and lease loss provision to assets | 0.5368% | 3,000 |
| Net operating income to assets | 0.5737% | 3,783 |
| Return on assets (ROA) | 0.5737% | 3,948 |
| Pretax return on assets | 0.8964% | 3,305 |
| Return on Equity (ROE) | 5.2768% | 3,958 |
| Retained earnings to average equity (ytd only) | 2.8729% | 3,842 |
| Net charge-offs to loans | 0.7904% | 2,666 |
| Credit loss provision to net charge-offs | 94.3953% | 4,921 |
| Earnings coverage of net charge-offs (x) | 2.5204% | 3,851 |
| Efficiency ratio | 61.0610% | 5,883 |
| Assets per employee ($millions) | 4.9898% | 2,165 |
| Cash dividends to net income (ytd only)* | 45.5556% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8885% | 2,596 |
| Loan loss allowance to noncurrent loans | 101.7516% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 1.4626% | 4,130 |
| Noncurrent loans to loans | 1.8560% | 3,745 |
| Net loans and leases to total assets | 66.5296% | 3,348 |
| Net loans and leases to deposits | 83.5815% | 2,515 |
| Net loans and leases to core deposits | 126.2002% | 387 |
| Total domestic deposits to total assets | 79.5985% | 5,938 |
| Equity capital to assets | 10.8651% | 2,803 |
| Core capital (leverage) ratio | 11.1028% | 2,083 |
| Tier 1 risk-based capital ratio | 15.3690% | 3,057 |
| Total risk-based capital ratio | 16.6255% | 3,013 |
| Memoranda: | ||
| Average total assets | $298,078,400 | 2,160 |
| Average earning assets | $281,013,000 | 2,098 |
| Average equity | $32,406,000 | 2,026 |
| Average total loans | $214,461,000 | 2,021 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8047% | 5,637 |
| Cost of funding earning assets | 1.2346% | 4,658 |
| Net interest margin | 3.5701% | 5,018 |
| Noninterest income to average assets | 0.2570% | 6,060 |
| Noninterest expense to average assets | 2.2349% | 6,512 |
| Loan and lease loss provision to assets | 0.5597% | 2,710 |
| Net operating income to assets | 0.5311% | 4,180 |
| Return on assets (ROA) | 0.5311% | 4,354 |
| Pretax return on assets | 0.8266% | 3,813 |
| Return on Equity (ROE) | 4.8843% | 4,350 |
| Retained earnings to average equity (ytd only) | 2.8663% | 4,415 |
| Net charge-offs to loans | 0.5448% | 3,120 |
| Credit loss provision to net charge-offs | 140.7658% | 2,818 |
| Earnings coverage of net charge-offs (x) | 3.4865% | 3,427 |
| Efficiency ratio | 61.7163% | 5,664 |
| Assets per employee ($millions) | 4.8120% | 2,439 |
| Cash dividends to net income (ytd only)* | 41.3156% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0910% | 2,020 |
| Loan loss allowance to noncurrent loans | 172.8151% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 1.2071% | 4,733 |
| Noncurrent loans to loans | 1.2100% | 4,827 |
| Net loans and leases to total assets | 69.5906% | 2,831 |
| Net loans and leases to deposits | 86.5025% | 2,238 |
| Net loans and leases to core deposits | 120.2283% | 602 |
| Total domestic deposits to total assets | 80.4492% | 5,559 |
| Equity capital to assets | 11.3924% | 2,609 |
| Core capital (leverage) ratio | 11.2358% | 2,108 |
| Tier 1 risk-based capital ratio | 15.3970% | 3,045 |
| Total risk-based capital ratio | 16.6568% | 3,008 |
| Memoranda: | ||
| Average total assets | $297,750,500 | 2,201 |
| Average earning assets | $280,580,500 | 2,139 |
| Average equity | $32,375,250 | 2,047 |
| Average total loans | $217,322,000 | 2,018 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8114% | 5,758 |
| Cost of funding earning assets | 1.2803% | 4,649 |
| Net interest margin | 3.5311% | 5,123 |
| Noninterest income to average assets | 0.2554% | 6,084 |
| Noninterest expense to average assets | 2.1771% | 6,704 |
| Loan and lease loss provision to assets | 0.6650% | 2,172 |
| Net operating income to assets | 0.4788% | 4,419 |
| Return on assets (ROA) | 0.4788% | 4,575 |
| Pretax return on assets | 0.7421% | 4,101 |
| Return on Equity (ROE) | 4.4716% | 4,556 |
| Retained earnings to average equity (ytd only) | 2.0681% | 4,825 |
| Net charge-offs to loans | 0.5331% | 2,933 |
| Credit loss provision to net charge-offs | 169.4915% | 2,307 |
| Earnings coverage of net charge-offs (x) | 3.5864% | 3,256 |
| Efficiency ratio | 60.7421% | 5,910 |
| Assets per employee ($millions) | 4.9712% | 2,216 |
| Cash dividends to net income (ytd only)* | 53.7500% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0430% | 2,084 |
| Loan loss allowance to noncurrent loans | 132.8130% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 1.3822% | 4,409 |
| Noncurrent loans to loans | 1.5382% | 4,409 |
| Net loans and leases to total assets | 70.9334% | 2,678 |
| Net loans and leases to deposits | 87.6933% | 2,228 |
| Net loans and leases to core deposits | 122.4072% | 613 |
| Total domestic deposits to total assets | 80.8881% | 5,438 |
| Equity capital to assets | 11.0904% | 2,775 |
| Core capital (leverage) ratio | 10.7741% | 2,416 |
| Tier 1 risk-based capital ratio | 14.6330% | 3,364 |
| Total risk-based capital ratio | 15.8920% | 3,335 |
| Memoranda: | ||
| Average total assets | $300,760,670 | 2,195 |
| Average earning assets | $283,535,330 | 2,127 |
| Average equity | $32,203,000 | 2,051 |
| Average total loans | $221,358,330 | 2,013 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7743% | 5,987 |
| Cost of funding earning assets | 1.3236% | 4,666 |
| Net interest margin | 3.4507% | 5,372 |
| Noninterest income to average assets | 0.2549% | 6,109 |
| Noninterest expense to average assets | 2.1544% | 6,793 |
| Loan and lease loss provision to assets | 0.8867% | 1,435 |
| Net operating income to assets | 0.3061% | 5,274 |
| Return on assets (ROA) | 0.3061% | 5,403 |
| Pretax return on assets | 0.4637% | 5,071 |
| Return on Equity (ROE) | 2.9088% | 5,378 |
| Retained earnings to average equity (ytd only) | 1.6354% | 5,121 |
| Net charge-offs to loans | 0.2639% | 3,356 |
| Credit loss provision to net charge-offs | 453.0201% | 929 |
| Earnings coverage of net charge-offs (x) | 6.8993% | 2,151 |
| Efficiency ratio | 61.4693% | 5,916 |
| Assets per employee ($millions) | 5.0901% | 2,108 |
| Cash dividends to net income (ytd only)* | 43.7768% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0042% | 2,177 |
| Loan loss allowance to noncurrent loans | 224.0946% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 1.0278% | 5,100 |
| Noncurrent loans to loans | 0.8943% | 5,530 |
| Net loans and leases to total assets | 71.3262% | 2,610 |
| Net loans and leases to deposits | 88.0212% | 2,225 |
| Net loans and leases to core deposits | 129.2570% | 509 |
| Total domestic deposits to total assets | 81.0330% | 5,450 |
| Equity capital to assets | 10.5238% | 3,227 |
| Core capital (leverage) ratio | 10.4498% | 2,671 |
| Tier 1 risk-based capital ratio | 13.8894% | 3,731 |
| Total risk-based capital ratio | 15.1476% | 3,687 |
| Memoranda: | ||
| Average total assets | $304,491,500 | 2,225 |
| Average earning assets | $286,784,000 | 2,166 |
| Average equity | $32,040,500 | 2,087 |
| Average total loans | $225,844,500 | 2,029 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9484% | 6,585 |
| Cost of funding earning assets | 1.9445% | 3,237 |
| Net interest margin | 3.0038% | 6,639 |
| Noninterest income to average assets | 0.4230% | 5,028 |
| Noninterest expense to average assets | 2.1627% | 7,062 |
| Loan and lease loss provision to assets | 0.4136% | 4,329 |
| Net operating income to assets | 0.4412% | 3,966 |
| Return on assets (ROA) | 0.4412% | 4,082 |
| Pretax return on assets | 0.6844% | 3,627 |
| Return on Equity (ROE) | 4.2952% | 3,963 |
| Retained earnings to average equity (ytd only) | 1.9992% | 3,704 |
| Net charge-offs to loans | 0.5153% | 3,717 |
| Credit loss provision to net charge-offs | 104.2518% | 5,304 |
| Earnings coverage of net charge-offs (x) | 2.7678% | 3,710 |
| Efficiency ratio | 66.3251% | 5,329 |
| Assets per employee ($millions) | 5.0597% | 2,141 |
| Cash dividends to net income (ytd only)* | 53.4559% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7127% | 2,860 |
| Loan loss allowance to noncurrent loans | 178.0245% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 1.0221% | 5,063 |
| Noncurrent loans to loans | 0.9621% | 5,386 |
| Net loans and leases to total assets | 74.2713% | 2,210 |
| Net loans and leases to deposits | 90.9921% | 2,050 |
| Net loans and leases to core deposits | 128.6603% | 1,353 |
| Total domestic deposits to total assets | 81.6239% | 5,100 |
| Equity capital to assets | 10.5215% | 3,154 |
| Core capital (leverage) ratio | 10.4551% | 2,648 |
| Tier 1 risk-based capital ratio | 13.4231% | 3,870 |
| Total risk-based capital ratio | 14.6782% | 3,814 |
| Memoranda: | ||
| Average total assets | $308,278,600 | 2,173 |
| Average earning assets | $291,227,000 | 2,119 |
| Average equity | $31,663,200 | 2,114 |
| Average total loans | $237,351,000 | 1,975 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9575% | 6,741 |
| Cost of funding earning assets | 2.0860% | 2,955 |
| Net interest margin | 2.8715% | 6,918 |
| Noninterest income to average assets | 0.4438% | 4,946 |
| Noninterest expense to average assets | 2.1526% | 7,095 |
| Loan and lease loss provision to assets | 0.3641% | 4,136 |
| Net operating income to assets | 0.4192% | 4,322 |
| Return on assets (ROA) | 0.4192% | 4,424 |
| Pretax return on assets | 0.6411% | 4,053 |
| Return on Equity (ROE) | 4.1062% | 4,336 |
| Retained earnings to average equity (ytd only) | 2.0299% | 4,185 |
| Net charge-offs to loans | 0.5849% | 2,926 |
| Credit loss provision to net charge-offs | 80.4762% | 5,751 |
| Earnings coverage of net charge-offs (x) | 2.2219% | 4,152 |
| Efficiency ratio | 68.1676% | 4,933 |
| Assets per employee ($millions) | 5.1769% | 1,924 |
| Cash dividends to net income (ytd only)* | 50.5650% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 3,090 |
| Loan loss allowance to noncurrent loans | 338.1215% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.8258% | 5,438 |
| Noncurrent loans to loans | 0.4666% | 6,387 |
| Net loans and leases to total assets | 73.7509% | 2,602 |
| Net loans and leases to deposits | 91.4367% | 2,328 |
| Net loans and leases to core deposits | 135.5216% | 1,122 |
| Total domestic deposits to total assets | 80.6579% | 5,204 |
| Equity capital to assets | 10.2697% | 3,763 |
| Core capital (leverage) ratio | 10.3663% | 2,910 |
| Tier 1 risk-based capital ratio | 13.1749% | 4,069 |
| Total risk-based capital ratio | 14.4283% | 4,004 |
| Memoranda: | ||
| Average total assets | $309,453,500 | 2,175 |
| Average earning assets | $292,479,000 | 2,126 |
| Average equity | $31,593,750 | 2,138 |
| Average total loans | $239,338,500 | 1,983 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9699% | 6,872 |
| Cost of funding earning assets | 2.2770% | 2,455 |
| Net interest margin | 2.6929% | 7,219 |
| Noninterest income to average assets | 0.4426% | 4,911 |
| Noninterest expense to average assets | 2.1698% | 7,123 |
| Loan and lease loss provision to assets | 0.3656% | 3,739 |
| Net operating income to assets | 0.3054% | 4,872 |
| Return on assets (ROA) | 0.3054% | 4,985 |
| Pretax return on assets | 0.4549% | 4,771 |
| Return on Equity (ROE) | 2.9976% | 4,904 |
| Retained earnings to average equity (ytd only) | 0.5271% | 4,990 |
| Net charge-offs to loans | 0.7221% | 2,253 |
| Credit loss provision to net charge-offs | 64.7936% | 5,513 |
| Earnings coverage of net charge-offs (x) | 1.4541% | 4,441 |
| Efficiency ratio | 72.5601% | 4,289 |
| Assets per employee ($millions) | 5.1114% | 1,956 |
| Cash dividends to net income (ytd only)* | 82.4153% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 3,203 |
| Loan loss allowance to noncurrent loans | 150.6965% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 1.4103% | 4,137 |
| Noncurrent loans to loans | 0.9951% | 5,214 |
| Net loans and leases to total assets | 76.4633% | 2,062 |
| Net loans and leases to deposits | 94.9789% | 1,956 |
| Net loans and leases to core deposits | 145.6232% | 777 |
| Total domestic deposits to total assets | 80.5056% | 5,275 |
| Equity capital to assets | 10.2640% | 3,649 |
| Core capital (leverage) ratio | 10.1592% | 3,139 |
| Tier 1 risk-based capital ratio | 12.7408% | 4,324 |
| Total risk-based capital ratio | 13.9934% | 4,239 |
| Memoranda: | ||
| Average total assets | $309,067,330 | 2,208 |
| Average earning assets | $292,399,670 | 2,153 |
| Average equity | $31,492,000 | 2,150 |
| Average total loans | $241,534,330 | 1,997 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8564% | 7,273 |
| Cost of funding earning assets | 2.4669% | 2,042 |
| Net interest margin | 2.3894% | 7,630 |
| Noninterest income to average assets | 0.4203% | 5,049 |
| Noninterest expense to average assets | 2.0306% | 7,279 |
| Loan and lease loss provision to assets | 0.2707% | 3,792 |
| Net operating income to assets | 0.2630% | 5,423 |
| Return on assets (ROA) | 0.2630% | 5,591 |
| Pretax return on assets | 0.3842% | 5,446 |
| Return on Equity (ROE) | 2.5906% | 5,530 |
| Retained earnings to average equity (ytd only) | 1.2953% | 5,118 |
| Net charge-offs to loans | 0.2532% | 3,142 |
| Credit loss provision to net charge-offs | 136.3636% | 2,975 |
| Earnings coverage of net charge-offs (x) | 3.2987% | 3,218 |
| Efficiency ratio | 75.6121% | 3,547 |
| Assets per employee ($millions) | 5.1655% | 1,873 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6218% | 2,434 |
| Loan loss allowance to noncurrent loans | 95.6004% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.5796% | 3,560 |
| Noncurrent loans to loans | 1.6964% | 3,711 |
| Net loans and leases to total assets | 78.2825% | 1,753 |
| Net loans and leases to deposits | 97.4122% | 1,752 |
| Net loans and leases to core deposits | 156.0214% | 562 |
| Total domestic deposits to total assets | 80.3622% | 5,222 |
| Equity capital to assets | 10.3546% | 3,606 |
| Core capital (leverage) ratio | 10.1946% | 3,201 |
| Tier 1 risk-based capital ratio | 12.7361% | 4,361 |
| Total risk-based capital ratio | 13.9905% | 4,275 |
| Memoranda: | ||
| Average total assets | $310,259,500 | 2,213 |
| Average earning assets | $294,129,000 | 2,160 |
| Average equity | $31,499,000 | 2,154 |
| Average total loans | $243,266,500 | 2,003 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0740% | 5,181 |
| Cost of funding earning assets | 3.3068% | 905 |
| Net interest margin | 2.7672% | 7,384 |
| Noninterest income to average assets | 0.3833% | 5,611 |
| Noninterest expense to average assets | 2.0321% | 7,384 |
| Loan and lease loss provision to assets | 0.2327% | 4,570 |
| Net operating income to assets | 0.4709% | 4,864 |
| Return on assets (ROA) | 0.4707% | 4,686 |
| Pretax return on assets | 0.7436% | 4,269 |
| Return on Equity (ROE) | 5.7130% | 4,061 |
| Retained earnings to average equity (ytd only) | 4.1960% | 2,510 |
| Net charge-offs to loans | -0.0033% | 7,765 |
| Credit loss provision to net charge-offs | -8,750.0000% | 7,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5395% | 4,809 |
| Assets per employee ($millions) | 5.2626% | 1,679 |
| Cash dividends to net income (ytd only)* | 26.5537% | 4,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 2,294 |
| Loan loss allowance to noncurrent loans | 133.5515% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.9194% | 4,543 |
| Noncurrent loans to loans | 1.1896% | 4,127 |
| Net loans and leases to total assets | 76.0545% | 2,608 |
| Net loans and leases to deposits | 96.4484% | 2,377 |
| Net loans and leases to core deposits | 154.7123% | 693 |
| Total domestic deposits to total assets | 78.8551% | 5,431 |
| Equity capital to assets | 9.9574% | 4,088 |
| Core capital (leverage) ratio | 9.7725% | 3,682 |
| Tier 1 risk-based capital ratio | 12.4442% | 4,480 |
| Total risk-based capital ratio | 13.6982% | 4,377 |
| Memoranda: | ||
| Average total assets | $300,818,600 | 2,201 |
| Average earning assets | $285,412,200 | 2,135 |
| Average equity | $24,785,600 | 2,656 |
| Average total loans | $241,648,200 | 1,957 |