Home > United Prairie Bank > Performance and Condition Ratios
United Prairie Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9487% | 2,180 |
| Cost of funding earning assets | 1.4234% | 2,166 |
| Net interest margin | 3.5254% | 2,132 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 2.5093% | 2,269 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.4588% | 1,101 |
| Return on assets (ROA) | 1.4631% | 1,062 |
| Pretax return on assets | 1.5721% | 1,288 |
| Return on Equity (ROE) | 15.6400% | 1,164 |
| Retained earnings to average equity (ytd only) | 8.1051% | 1,504 |
| Net charge-offs to loans | 0.0088% | 2,327 |
| Credit loss provision to net charge-offs | 80.6452% | 2,018 |
| Earnings coverage of net charge-offs (x) | 213.9516% | 565 |
| Efficiency ratio | 61.4311% | 2,915 |
| Assets per employee ($millions) | 7.3879% | 1,817 |
| Cash dividends to net income (ytd only)* | 48.1776% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 3,480 |
| Loan loss allowance to noncurrent loans | 253.9478% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.3184% | 1,672 |
| Noncurrent loans to loans | 0.3791% | 1,849 |
| Net loans and leases to total assets | 83.1600% | 330 |
| Net loans and leases to deposits | 99.6553% | 553 |
| Net loans and leases to core deposits | 118.7318% | 665 |
| Total domestic deposits to total assets | 83.4500% | 2,763 |
| Equity capital to assets | 9.6072% | 2,266 |
| Core capital (leverage) ratio | 9.6824% | 3,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3731% | 2,746 |
| Memoranda: | ||
| Average total assets | $841,976,200 | 1,142 |
| Average earning assets | $798,950,400 | 1,106 |
| Average equity | $78,765,200 | 1,141 |
| Average total loans | $701,111,200 | 958 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8657% | 2,134 |
| Cost of funding earning assets | 1.2787% | 2,200 |
| Net interest margin | 3.5870% | 2,039 |
| Noninterest income to average assets | 0.7700% | 1,012 |
| Noninterest expense to average assets | 2.5655% | 2,043 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.4879% | 1,149 |
| Return on assets (ROA) | 1.4989% | 1,111 |
| Pretax return on assets | 1.6116% | 1,329 |
| Return on Equity (ROE) | 16.1400% | 1,230 |
| Retained earnings to average equity (ytd only) | 6.8198% | 2,354 |
| Net charge-offs to loans | 0.0104% | 2,011 |
| Credit loss provision to net charge-offs | 92.5926% | 1,680 |
| Earnings coverage of net charge-offs (x) | 186.2593% | 631 |
| Efficiency ratio | 61.4340% | 2,794 |
| Assets per employee ($millions) | 7.3793% | 1,706 |
| Cash dividends to net income (ytd only)* | 57.7396% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 3,274 |
| Loan loss allowance to noncurrent loans | 235.2397% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 1,455 |
| Noncurrent loans to loans | 0.4323% | 1,753 |
| Net loans and leases to total assets | 82.3400% | 412 |
| Net loans and leases to deposits | 97.0549% | 676 |
| Net loans and leases to core deposits | 113.3235% | 760 |
| Total domestic deposits to total assets | 84.8300% | 2,548 |
| Equity capital to assets | 9.2653% | 2,243 |
| Core capital (leverage) ratio | 9.6160% | 3,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5621% | 2,714 |
| Memoranda: | ||
| Average total assets | $832,681,250 | 1,151 |
| Average earning assets | $789,946,750 | 1,116 |
| Average equity | $77,341,000 | 1,154 |
| Average total loans | $691,828,500 | 970 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7753% | 2,049 |
| Cost of funding earning assets | 1.1125% | 2,241 |
| Net interest margin | 3.6628% | 1,891 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 2.5967% | 1,938 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.5218% | 1,065 |
| Return on assets (ROA) | 1.5353% | 1,038 |
| Pretax return on assets | 1.6461% | 1,324 |
| Return on Equity (ROE) | 16.5200% | 1,180 |
| Retained earnings to average equity (ytd only) | 3.9435% | 3,218 |
| Net charge-offs to loans | 0.0044% | 2,134 |
| Credit loss provision to net charge-offs | 333.3333% | 804 |
| Earnings coverage of net charge-offs (x) | 455.8000% | 326 |
| Efficiency ratio | 61.1777% | 2,821 |
| Assets per employee ($millions) | 6.9204% | 1,991 |
| Cash dividends to net income (ytd only)* | 76.1224% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0322% | 3,282 |
| Loan loss allowance to noncurrent loans | 219.2096% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 1,236 |
| Noncurrent loans to loans | 0.4709% | 1,535 |
| Net loans and leases to total assets | 82.6100% | 366 |
| Net loans and leases to deposits | 95.7150% | 749 |
| Net loans and leases to core deposits | 111.3807% | 769 |
| Total domestic deposits to total assets | 86.3100% | 2,145 |
| Equity capital to assets | 9.3989% | 2,232 |
| Core capital (leverage) ratio | 9.4845% | 3,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2801% | 2,802 |
| Memoranda: | ||
| Average total assets | $829,827,000 | 1,148 |
| Average earning assets | $787,384,333 | 1,111 |
| Average equity | $77,140,000 | 1,148 |
| Average total loans | $689,182,667 | 953 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6537% | 1,956 |
| Cost of funding earning assets | 0.9300% | 2,271 |
| Net interest margin | 3.7236% | 1,840 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.7013% | 1,666 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.1713% | 2,020 |
| Return on assets (ROA) | 1.1809% | 1,950 |
| Pretax return on assets | 1.2938% | 2,194 |
| Return on Equity (ROE) | 12.7700% | 2,028 |
| Retained earnings to average equity (ytd only) | -9.1597% | 4,459 |
| Net charge-offs to loans | 0.0041% | 1,837 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 382.5714% | 290 |
| Efficiency ratio | 67.6570% | 2,015 |
| Assets per employee ($millions) | 6.9059% | 2,040 |
| Cash dividends to net income (ytd only)* | 171.7027% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 3,277 |
| Loan loss allowance to noncurrent loans | 197.7481% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.5893% | 871 |
| Noncurrent loans to loans | 0.5328% | 1,389 |
| Net loans and leases to total assets | 81.2900% | 435 |
| Net loans and leases to deposits | 92.2694% | 900 |
| Net loans and leases to core deposits | 103.4333% | 945 |
| Total domestic deposits to total assets | 88.1000% | 1,896 |
| Equity capital to assets | 9.2897% | 2,302 |
| Core capital (leverage) ratio | 9.0218% | 3,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0531% | 2,936 |
| Memoranda: | ||
| Average total assets | $829,517,500 | 1,169 |
| Average earning assets | $787,077,500 | 1,130 |
| Average equity | $76,683,500 | 1,163 |
| Average total loans | $687,172,500 | 970 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2114% | 1,221 |
| Cost of funding earning assets | 0.3482% | 2,490 |
| Net interest margin | 3.8632% | 1,043 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.6761% | 1,616 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.3015% | 1,420 |
| Return on assets (ROA) | 1.2715% | 1,479 |
| Pretax return on assets | 1.4016% | 1,765 |
| Return on Equity (ROE) | 13.3400% | 1,696 |
| Retained earnings to average equity (ytd only) | 2.1372% | 3,949 |
| Net charge-offs to loans | 0.0125% | 1,916 |
| Credit loss provision to net charge-offs | 722.8916% | 533 |
| Earnings coverage of net charge-offs (x) | 146.2289% | 800 |
| Efficiency ratio | 63.9413% | 2,501 |
| Assets per employee ($millions) | 6.8625% | 2,072 |
| Cash dividends to net income (ytd only)* | 83.9820% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0826% | 2,975 |
| Loan loss allowance to noncurrent loans | 205.7353% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.5884% | 850 |
| Noncurrent loans to loans | 0.5262% | 1,396 |
| Net loans and leases to total assets | 82.6100% | 359 |
| Net loans and leases to deposits | 97.5276% | 553 |
| Net loans and leases to core deposits | 108.3470% | 664 |
| Total domestic deposits to total assets | 84.7000% | 3,060 |
| Equity capital to assets | 9.1999% | 2,225 |
| Core capital (leverage) ratio | 9.4429% | 3,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1944% | 2,940 |
| Memoranda: | ||
| Average total assets | $804,238,000 | 1,181 |
| Average earning assets | $762,807,600 | 1,156 |
| Average equity | $76,641,000 | 1,167 |
| Average total loans | $666,272,400 | 946 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1100% | 1,049 |
| Cost of funding earning assets | 0.2456% | 2,755 |
| Net interest margin | 3.8644% | 861 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.7005% | 1,476 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.2165% | 1,648 |
| Return on assets (ROA) | 1.1960% | 1,682 |
| Pretax return on assets | 1.3375% | 1,929 |
| Return on Equity (ROE) | 12.4400% | 1,896 |
| Retained earnings to average equity (ytd only) | -1.6565% | 4,471 |
| Net charge-offs to loans | 0.0136% | 1,613 |
| Credit loss provision to net charge-offs | 895.5224% | 442 |
| Earnings coverage of net charge-offs (x) | 130.1940% | 806 |
| Efficiency ratio | 64.8903% | 2,423 |
| Assets per employee ($millions) | 6.2593% | 2,531 |
| Cash dividends to net income (ytd only)* | 113.3193% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 2,824 |
| Loan loss allowance to noncurrent loans | 204.0624% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.8403% | 592 |
| Noncurrent loans to loans | 0.5600% | 1,424 |
| Net loans and leases to total assets | 83.1900% | 308 |
| Net loans and leases to deposits | 98.4903% | 429 |
| Net loans and leases to core deposits | 103.6957% | 663 |
| Total domestic deposits to total assets | 84.4700% | 3,392 |
| Equity capital to assets | 9.2000% | 2,081 |
| Core capital (leverage) ratio | 9.3468% | 3,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3855% | 2,969 |
| Memoranda: | ||
| Average total assets | $795,990,500 | 1,193 |
| Average earning assets | $755,242,750 | 1,173 |
| Average equity | $76,545,250 | 1,184 |
| Average total loans | $658,046,750 | 955 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 934 |
| Cost of funding earning assets | 0.2051% | 2,850 |
| Net interest margin | 3.7978% | 755 |
| Noninterest income to average assets | 0.4867% | 2,272 |
| Noninterest expense to average assets | 2.5888% | 1,670 |
| Loan and lease loss provision to assets | 0.1503% | 633 |
| Net operating income to assets | 1.1969% | 1,440 |
| Return on assets (ROA) | 1.1863% | 1,452 |
| Pretax return on assets | 1.3444% | 1,601 |
| Return on Equity (ROE) | 12.1631% | 1,629 |
| Retained earnings to average equity (ytd only) | -7.3066% | 4,600 |
| Net charge-offs to loans | 0.0219% | 1,287 |
| Credit loss provision to net charge-offs | 833.3333% | 463 |
| Earnings coverage of net charge-offs (x) | 83.5417% | 907 |
| Efficiency ratio | 63.2110% | 2,885 |
| Assets per employee ($millions) | 6.3641% | 2,425 |
| Cash dividends to net income (ytd only)* | 160.0718% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 2,938 |
| Loan loss allowance to noncurrent loans | 128.9993% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.9536% | 505 |
| Noncurrent loans to loans | 0.8896% | 947 |
| Net loans and leases to total assets | 82.7413% | 254 |
| Net loans and leases to deposits | 96.9866% | 386 |
| Net loans and leases to core deposits | 98.5209% | 740 |
| Total domestic deposits to total assets | 85.3121% | 3,410 |
| Equity capital to assets | 9.3353% | 2,136 |
| Core capital (leverage) ratio | 9.1348% | 3,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1764% | 2,990 |
| Memoranda: | ||
| Average total assets | $798,432,000 | 1,193 |
| Average earning assets | $758,705,333 | 1,180 |
| Average equity | $77,874,667 | 1,198 |
| Average total loans | $656,162,667 | 945 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8961% | 931 |
| Cost of funding earning assets | 0.1969% | 2,845 |
| Net interest margin | 3.6992% | 752 |
| Noninterest income to average assets | 0.4961% | 2,160 |
| Noninterest expense to average assets | 2.4795% | 1,934 |
| Loan and lease loss provision to assets | 0.1494% | 528 |
| Net operating income to assets | 1.2044% | 1,239 |
| Return on assets (ROA) | 1.2009% | 1,237 |
| Pretax return on assets | 1.3817% | 1,292 |
| Return on Equity (ROE) | 12.0584% | 1,292 |
| Retained earnings to average equity (ytd only) | -23.0765% | 4,720 |
| Net charge-offs to loans | 0.0391% | 891 |
| Credit loss provision to net charge-offs | 468.7500% | 536 |
| Earnings coverage of net charge-offs (x) | 48.1563% | 935 |
| Efficiency ratio | 61.7618% | 3,293 |
| Assets per employee ($millions) | 6.9571% | 2,023 |
| Cash dividends to net income (ytd only)* | 291.3729% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 3,246 |
| Loan loss allowance to noncurrent loans | 117.7573% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 1.0014% | 505 |
| Noncurrent loans to loans | 0.9501% | 959 |
| Net loans and leases to total assets | 78.4573% | 343 |
| Net loans and leases to deposits | 90.6761% | 474 |
| Net loans and leases to core deposits | 91.7202% | 828 |
| Total domestic deposits to total assets | 86.5247% | 3,096 |
| Equity capital to assets | 9.1707% | 2,554 |
| Core capital (leverage) ratio | 8.6897% | 3,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0123% | 3,050 |
| Memoranda: | ||
| Average total assets | $803,075,500 | 1,191 |
| Average earning assets | $763,843,500 | 1,174 |
| Average equity | $79,977,500 | 1,200 |
| Average total loans | $653,979,500 | 939 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2996% | 851 |
| Cost of funding earning assets | 0.2911% | 2,496 |
| Net interest margin | 4.0085% | 698 |
| Noninterest income to average assets | 0.6751% | 1,851 |
| Noninterest expense to average assets | 2.8273% | 1,294 |
| Loan and lease loss provision to assets | 0.0783% | 1,555 |
| Net operating income to assets | 1.4469% | 1,143 |
| Return on assets (ROA) | 1.4589% | 1,180 |
| Pretax return on assets | 1.5795% | 1,484 |
| Return on Equity (ROE) | 14.4801% | 1,070 |
| Retained earnings to average equity (ytd only) | 3.2319% | 3,536 |
| Net charge-offs to loans | 0.0031% | 2,501 |
| Credit loss provision to net charge-offs | 3,157.8947% | 212 |
| Earnings coverage of net charge-offs (x) | 663.0526% | 220 |
| Efficiency ratio | 63.2207% | 2,677 |
| Assets per employee ($millions) | 6.4893% | 2,341 |
| Cash dividends to net income (ytd only)* | 77.6803% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 3,462 |
| Loan loss allowance to noncurrent loans | 120.8569% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.0019% | 562 |
| Noncurrent loans to loans | 0.8887% | 1,144 |
| Net loans and leases to total assets | 82.7207% | 153 |
| Net loans and leases to deposits | 97.7540% | 258 |
| Net loans and leases to core deposits | 98.5911% | 590 |
| Total domestic deposits to total assets | 84.6213% | 3,389 |
| Equity capital to assets | 10.7830% | 1,945 |
| Core capital (leverage) ratio | 9.7942% | 2,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6632% | 2,956 |
| Memoranda: | ||
| Average total assets | $765,936,200 | 1,202 |
| Average earning assets | $725,514,000 | 1,186 |
| Average equity | $77,168,000 | 1,241 |
| Average total loans | $603,692,000 | 1,006 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3871% | 829 |
| Cost of funding earning assets | 0.3197% | 2,405 |
| Net interest margin | 4.0674% | 692 |
| Noninterest income to average assets | 0.6793% | 1,894 |
| Noninterest expense to average assets | 2.7617% | 1,429 |
| Loan and lease loss provision to assets | 0.0788% | 1,498 |
| Net operating income to assets | 1.6875% | 849 |
| Return on assets (ROA) | 1.6990% | 871 |
| Pretax return on assets | 1.6990% | 1,405 |
| Return on Equity (ROE) | 17.1752% | 742 |
| Retained earnings to average equity (ytd only) | 2.7412% | 3,988 |
| Net charge-offs to loans | 0.0275% | 1,497 |
| Credit loss provision to net charge-offs | 368.8525% | 906 |
| Earnings coverage of net charge-offs (x) | 82.6475% | 965 |
| Efficiency ratio | 60.9912% | 2,835 |
| Assets per employee ($millions) | 5.9736% | 2,725 |
| Cash dividends to net income (ytd only)* | 84.0396% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 3,403 |
| Loan loss allowance to noncurrent loans | 243.3429% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.7289% | 1,007 |
| Noncurrent loans to loans | 0.4555% | 2,199 |
| Net loans and leases to total assets | 79.9534% | 293 |
| Net loans and leases to deposits | 94.1083% | 412 |
| Net loans and leases to core deposits | 95.4743% | 770 |
| Total domestic deposits to total assets | 84.9589% | 3,131 |
| Equity capital to assets | 10.1972% | 2,714 |
| Core capital (leverage) ratio | 8.9071% | 3,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1750% | 3,076 |
| Memoranda: | ||
| Average total assets | $761,117,500 | 1,219 |
| Average earning assets | $720,186,250 | 1,203 |
| Average equity | $75,292,750 | 1,287 |
| Average total loans | $590,469,000 | 1,042 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5675% | 656 |
| Cost of funding earning assets | 0.3492% | 2,323 |
| Net interest margin | 4.2183% | 564 |
| Noninterest income to average assets | 0.6570% | 1,977 |
| Noninterest expense to average assets | 2.7789% | 1,403 |
| Loan and lease loss provision to assets | 0.0787% | 1,532 |
| Net operating income to assets | 1.7944% | 727 |
| Return on assets (ROA) | 1.8104% | 735 |
| Pretax return on assets | 1.8104% | 1,212 |
| Return on Equity (ROE) | 18.4897% | 597 |
| Retained earnings to average equity (ytd only) | -0.6488% | 4,578 |
| Net charge-offs to loans | 0.0456% | 1,177 |
| Credit loss provision to net charge-offs | 225.5639% | 996 |
| Earnings coverage of net charge-offs (x) | 53.6541% | 1,028 |
| Efficiency ratio | 59.7359% | 3,049 |
| Assets per employee ($millions) | 5.5082% | 3,115 |
| Cash dividends to net income (ytd only)* | 103.5088% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 3,393 |
| Loan loss allowance to noncurrent loans | 190.5828% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.8241% | 963 |
| Noncurrent loans to loans | 0.5795% | 1,950 |
| Net loans and leases to total assets | 78.7725% | 392 |
| Net loans and leases to deposits | 92.6344% | 511 |
| Net loans and leases to core deposits | 95.7077% | 820 |
| Total domestic deposits to total assets | 85.0359% | 3,080 |
| Equity capital to assets | 9.9451% | 2,899 |
| Core capital (leverage) ratio | 8.5171% | 3,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1456% | 3,072 |
| Memoranda: | ||
| Average total assets | $761,943,000 | 1,216 |
| Average earning assets | $721,623,333 | 1,198 |
| Average equity | $74,603,667 | 1,289 |
| Average total loans | $582,839,333 | 1,060 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7653% | 516 |
| Cost of funding earning assets | 0.3715% | 2,342 |
| Net interest margin | 4.3937% | 432 |
| Noninterest income to average assets | 0.6823% | 1,925 |
| Noninterest expense to average assets | 2.6849% | 1,653 |
| Loan and lease loss provision to assets | 0.0784% | 1,631 |
| Net operating income to assets | 2.0836% | 506 |
| Return on assets (ROA) | 2.1076% | 528 |
| Pretax return on assets | 2.1076% | 799 |
| Return on Equity (ROE) | 21.6936% | 419 |
| Retained earnings to average equity (ytd only) | -9.3303% | 4,804 |
| Net charge-offs to loans | -0.0565% | 4,443 |
| Credit loss provision to net charge-offs | -185.1852% | 2,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3951% | 3,619 |
| Assets per employee ($millions) | 5.7865% | 2,811 |
| Cash dividends to net income (ytd only)* | 143.0094% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 3,167 |
| Loan loss allowance to noncurrent loans | 134.6053% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.9000% | 957 |
| Noncurrent loans to loans | 0.8589% | 1,562 |
| Net loans and leases to total assets | 72.8094% | 923 |
| Net loans and leases to deposits | 85.2261% | 1,023 |
| Net loans and leases to core deposits | 92.5123% | 1,078 |
| Total domestic deposits to total assets | 85.4309% | 2,951 |
| Equity capital to assets | 9.2783% | 3,420 |
| Core capital (leverage) ratio | 8.2504% | 4,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4578% | 3,014 |
| Memoranda: | ||
| Average total assets | $765,602,000 | 1,192 |
| Average earning assets | $725,670,000 | 1,176 |
| Average equity | $74,381,500 | 1,287 |
| Average total loans | $573,721,500 | 1,076 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6792% | 932 |
| Cost of funding earning assets | 0.5699% | 2,506 |
| Net interest margin | 4.1093% | 768 |
| Noninterest income to average assets | 0.6446% | 2,049 |
| Noninterest expense to average assets | 3.0002% | 1,435 |
| Loan and lease loss provision to assets | 0.1290% | 2,748 |
| Net operating income to assets | 1.3717% | 1,082 |
| Return on assets (ROA) | 1.3965% | 1,119 |
| Pretax return on assets | 1.3965% | 1,668 |
| Return on Equity (ROE) | 13.5291% | 915 |
| Retained earnings to average equity (ytd only) | 3.9996% | 2,822 |
| Net charge-offs to loans | 0.0284% | 2,470 |
| Credit loss provision to net charge-offs | 584.4156% | 1,122 |
| Earnings coverage of net charge-offs (x) | 67.9805% | 998 |
| Efficiency ratio | 66.6582% | 2,413 |
| Assets per employee ($millions) | 5.4324% | 2,915 |
| Cash dividends to net income (ytd only)* | 70.4373% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 3,254 |
| Loan loss allowance to noncurrent loans | 101.2993% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 1.1410% | 785 |
| Noncurrent loans to loans | 1.1251% | 1,258 |
| Net loans and leases to total assets | 75.4174% | 855 |
| Net loans and leases to deposits | 89.6554% | 950 |
| Net loans and leases to core deposits | 99.8474% | 905 |
| Total domestic deposits to total assets | 84.1192% | 3,080 |
| Equity capital to assets | 10.1777% | 2,955 |
| Core capital (leverage) ratio | 8.8225% | 3,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7952% | 2,968 |
| Memoranda: | ||
| Average total assets | $697,614,000 | 1,184 |
| Average earning assets | $654,659,800 | 1,173 |
| Average equity | $72,008,000 | 1,269 |
| Average total loans | $541,711,600 | 1,073 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8742% | 776 |
| Cost of funding earning assets | 0.6106% | 2,548 |
| Net interest margin | 4.2636% | 635 |
| Noninterest income to average assets | 0.5967% | 2,192 |
| Noninterest expense to average assets | 2.9694% | 1,510 |
| Loan and lease loss provision to assets | 0.1166% | 2,866 |
| Net operating income to assets | 1.5037% | 901 |
| Return on assets (ROA) | 1.5334% | 920 |
| Pretax return on assets | 1.5334% | 1,369 |
| Return on Equity (ROE) | 14.7993% | 726 |
| Retained earnings to average equity (ytd only) | 3.3598% | 3,368 |
| Net charge-offs to loans | 0.0306% | 2,220 |
| Credit loss provision to net charge-offs | 487.8049% | 1,304 |
| Earnings coverage of net charge-offs (x) | 67.7724% | 1,021 |
| Efficiency ratio | 64.6974% | 2,636 |
| Assets per employee ($millions) | 5.4921% | 2,718 |
| Cash dividends to net income (ytd only)* | 77.2975% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1243% | 3,072 |
| Loan loss allowance to noncurrent loans | 96.6947% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 1.1731% | 874 |
| Noncurrent loans to loans | 1.1627% | 1,302 |
| Net loans and leases to total assets | 73.0238% | 1,497 |
| Net loans and leases to deposits | 91.0616% | 1,152 |
| Net loans and leases to core deposits | 102.7614% | 994 |
| Total domestic deposits to total assets | 80.1917% | 3,822 |
| Equity capital to assets | 9.9896% | 3,231 |
| Core capital (leverage) ratio | 8.6074% | 4,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1953% | 2,872 |
| Memoranda: | ||
| Average total assets | $685,958,000 | 1,178 |
| Average earning assets | $642,417,750 | 1,172 |
| Average equity | $71,073,500 | 1,267 |
| Average total loans | $535,200,500 | 1,074 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2354% | 534 |
| Cost of funding earning assets | 0.6640% | 2,600 |
| Net interest margin | 4.5713% | 432 |
| Noninterest income to average assets | 0.6574% | 1,907 |
| Noninterest expense to average assets | 3.0678% | 1,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.8590% | 443 |
| Return on assets (ROA) | 1.9047% | 446 |
| Pretax return on assets | 1.9047% | 666 |
| Return on Equity (ROE) | 18.1392% | 352 |
| Retained earnings to average equity (ytd only) | 3.7085% | 3,061 |
| Net charge-offs to loans | 0.0457% | 1,835 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 51.1322% | 1,087 |
| Efficiency ratio | 62.2675% | 3,079 |
| Assets per employee ($millions) | 5.3302% | 2,799 |
| Cash dividends to net income (ytd only)* | 79.5551% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 3,618 |
| Loan loss allowance to noncurrent loans | 70.6862% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.4323% | 672 |
| Noncurrent loans to loans | 1.4021% | 1,103 |
| Net loans and leases to total assets | 76.6668% | 1,049 |
| Net loans and leases to deposits | 96.3289% | 768 |
| Net loans and leases to core deposits | 110.0603% | 738 |
| Total domestic deposits to total assets | 79.5886% | 3,917 |
| Equity capital to assets | 10.1470% | 3,072 |
| Core capital (leverage) ratio | 8.9277% | 3,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6719% | 3,049 |
| Memoranda: | ||
| Average total assets | $665,634,000 | 1,192 |
| Average earning assets | $621,654,667 | 1,186 |
| Average equity | $69,893,000 | 1,270 |
| Average total loans | $529,721,000 | 1,069 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1922% | 667 |
| Cost of funding earning assets | 0.7443% | 2,695 |
| Net interest margin | 4.4479% | 567 |
| Noninterest income to average assets | 0.6587% | 1,808 |
| Noninterest expense to average assets | 3.0941% | 1,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7053% | 512 |
| Return on assets (ROA) | 1.7861% | 470 |
| Pretax return on assets | 1.7861% | 723 |
| Return on Equity (ROE) | 16.6866% | 368 |
| Retained earnings to average equity (ytd only) | 10.4498% | 655 |
| Net charge-offs to loans | 0.0141% | 2,101 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 150.0000% | 430 |
| Efficiency ratio | 64.4690% | 3,159 |
| Assets per employee ($millions) | 4.4545% | 3,328 |
| Cash dividends to net income (ytd only)* | 37.3762% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0728% | 3,342 |
| Loan loss allowance to noncurrent loans | 84.9256% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.5857% | 650 |
| Noncurrent loans to loans | 1.2632% | 1,295 |
| Net loans and leases to total assets | 80.9183% | 576 |
| Net loans and leases to deposits | 100.4883% | 522 |
| Net loans and leases to core deposits | 115.2741% | 615 |
| Total domestic deposits to total assets | 80.5252% | 3,758 |
| Equity capital to assets | 10.4453% | 3,370 |
| Core capital (leverage) ratio | 9.6910% | 3,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1190% | 3,310 |
| Memoranda: | ||
| Average total assets | $633,333,500 | 1,209 |
| Average earning assets | $589,579,000 | 1,206 |
| Average equity | $67,791,000 | 1,300 |
| Average total loans | $511,855,500 | 1,079 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1520% | 1,103 |
| Cost of funding earning assets | 0.7408% | 2,968 |
| Net interest margin | 4.4112% | 875 |
| Noninterest income to average assets | 0.6756% | 1,898 |
| Noninterest expense to average assets | 3.2931% | 1,312 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4818% | 1,098 |
| Return on assets (ROA) | 1.4781% | 1,162 |
| Pretax return on assets | 1.4781% | 1,874 |
| Return on Equity (ROE) | 13.7120% | 958 |
| Retained earnings to average equity (ytd only) | 3.5507% | 3,221 |
| Net charge-offs to loans | 0.0212% | 2,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 87.9307% | 742 |
| Efficiency ratio | 68.9671% | 2,319 |
| Assets per employee ($millions) | 4.2213% | 3,608 |
| Cash dividends to net income (ytd only)* | 74.1054% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 2,621 |
| Loan loss allowance to noncurrent loans | 95.8159% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 1.7603% | 509 |
| Noncurrent loans to loans | 1.2151% | 1,234 |
| Net loans and leases to total assets | 78.8598% | 957 |
| Net loans and leases to deposits | 96.6004% | 879 |
| Net loans and leases to core deposits | 106.1237% | 1,101 |
| Total domestic deposits to total assets | 81.6351% | 3,605 |
| Equity capital to assets | 10.9767% | 3,014 |
| Core capital (leverage) ratio | 9.7824% | 3,748 |
| Tier 1 risk-based capital ratio | 10.6081% | 4,986 |
| Total risk-based capital ratio | 11.6585% | 4,981 |
| Memoranda: | ||
| Average total assets | $599,343,600 | 1,225 |
| Average earning assets | $556,969,800 | 1,221 |
| Average equity | $64,607,800 | 1,304 |
| Average total loans | $477,128,200 | 1,119 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0689% | 1,360 |
| Cost of funding earning assets | 0.7388% | 3,020 |
| Net interest margin | 4.3301% | 1,102 |
| Noninterest income to average assets | 0.6728% | 1,906 |
| Noninterest expense to average assets | 3.2224% | 1,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4753% | 1,254 |
| Return on assets (ROA) | 1.4709% | 1,331 |
| Pretax return on assets | 1.4709% | 2,043 |
| Return on Equity (ROE) | 13.7095% | 1,047 |
| Retained earnings to average equity (ytd only) | 1.9045% | 4,305 |
| Net charge-offs to loans | 0.0186% | 2,756 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 99.7702% | 754 |
| Efficiency ratio | 68.5950% | 2,325 |
| Assets per employee ($millions) | 4.1960% | 3,618 |
| Cash dividends to net income (ytd only)* | 86.1081% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 2,455 |
| Loan loss allowance to noncurrent loans | 49.2139% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 2.3621% | 314 |
| Noncurrent loans to loans | 2.4592% | 480 |
| Net loans and leases to total assets | 78.9092% | 1,005 |
| Net loans and leases to deposits | 94.9608% | 1,128 |
| Net loans and leases to core deposits | 108.8541% | 1,000 |
| Total domestic deposits to total assets | 83.0966% | 3,134 |
| Equity capital to assets | 11.1169% | 2,993 |
| Core capital (leverage) ratio | 9.7081% | 3,961 |
| Tier 1 risk-based capital ratio | 10.6567% | 5,035 |
| Total risk-based capital ratio | 11.7443% | 5,004 |
| Memoranda: | ||
| Average total assets | $595,103,250 | 1,237 |
| Average earning assets | $553,164,000 | 1,228 |
| Average equity | $63,847,250 | 1,315 |
| Average total loans | $473,474,750 | 1,128 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0340% | 1,384 |
| Cost of funding earning assets | 0.7236% | 3,023 |
| Net interest margin | 4.3104% | 1,120 |
| Noninterest income to average assets | 0.7101% | 1,676 |
| Noninterest expense to average assets | 3.2751% | 1,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4447% | 1,309 |
| Return on assets (ROA) | 1.4397% | 1,371 |
| Pretax return on assets | 1.4397% | 2,069 |
| Return on Equity (ROE) | 13.5828% | 1,078 |
| Retained earnings to average equity (ytd only) | -1.6622% | 4,889 |
| Net charge-offs to loans | 0.0271% | 2,312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 67.1406% | 927 |
| Efficiency ratio | 69.3902% | 2,320 |
| Assets per employee ($millions) | 4.0885% | 3,751 |
| Cash dividends to net income (ytd only)* | 112.2373% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 2,424 |
| Loan loss allowance to noncurrent loans | 68.2297% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.8366% | 539 |
| Noncurrent loans to loans | 1.7863% | 841 |
| Net loans and leases to total assets | 78.7741% | 1,077 |
| Net loans and leases to deposits | 92.8662% | 1,389 |
| Net loans and leases to core deposits | 106.7101% | 1,199 |
| Total domestic deposits to total assets | 84.8253% | 2,553 |
| Equity capital to assets | 10.8647% | 3,210 |
| Core capital (leverage) ratio | 9.4322% | 4,219 |
| Tier 1 risk-based capital ratio | 10.5498% | 5,089 |
| Total risk-based capital ratio | 11.6549% | 5,057 |
| Memoranda: | ||
| Average total assets | $594,859,670 | 1,235 |
| Average earning assets | $553,356,000 | 1,229 |
| Average equity | $63,050,330 | 1,322 |
| Average total loans | $472,657,000 | 1,131 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9245% | 1,530 |
| Cost of funding earning assets | 0.6791% | 3,157 |
| Net interest margin | 4.2454% | 1,211 |
| Noninterest income to average assets | 0.7532% | 1,420 |
| Noninterest expense to average assets | 3.1624% | 1,591 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5399% | 1,030 |
| Return on assets (ROA) | 1.5399% | 1,058 |
| Pretax return on assets | 1.5399% | 1,642 |
| Return on Equity (ROE) | 14.7121% | 808 |
| Retained earnings to average equity (ytd only) | -10.4921% | 5,125 |
| Net charge-offs to loans | 0.0626% | 1,415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,312 |
| Efficiency ratio | 67.2520% | 2,750 |
| Assets per employee ($millions) | 4.0297% | 3,875 |
| Cash dividends to net income (ytd only)* | 171.3165% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 2,467 |
| Loan loss allowance to noncurrent loans | 58.4315% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 2.0810% | 449 |
| Noncurrent loans to loans | 2.0910% | 704 |
| Net loans and leases to total assets | 78.5022% | 1,074 |
| Net loans and leases to deposits | 92.2210% | 1,377 |
| Net loans and leases to core deposits | 105.5880% | 1,201 |
| Total domestic deposits to total assets | 85.1240% | 2,637 |
| Equity capital to assets | 10.5187% | 3,326 |
| Core capital (leverage) ratio | 9.2769% | 4,386 |
| Tier 1 risk-based capital ratio | 10.3604% | 5,206 |
| Total risk-based capital ratio | 11.4662% | 5,182 |
| Memoranda: | ||
| Average total assets | $595,871,000 | 1,236 |
| Average earning assets | $554,295,000 | 1,233 |
| Average equity | $62,370,500 | 1,329 |
| Average total loans | $472,603,500 | 1,135 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7099% | 1,786 |
| Cost of funding earning assets | 0.4860% | 3,439 |
| Net interest margin | 4.2239% | 1,341 |
| Noninterest income to average assets | 0.7879% | 1,487 |
| Noninterest expense to average assets | 3.4353% | 1,093 |
| Loan and lease loss provision to assets | 0.0693% | 2,752 |
| Net operating income to assets | 1.2032% | 2,158 |
| Return on assets (ROA) | 1.1940% | 2,200 |
| Pretax return on assets | 1.1940% | 2,904 |
| Return on Equity (ROE) | 11.4704% | 1,909 |
| Retained earnings to average equity (ytd only) | 3.4937% | 3,664 |
| Net charge-offs to loans | -0.0517% | 4,984 |
| Credit loss provision to net charge-offs | -172.4138% | 4,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9703% | 1,766 |
| Assets per employee ($millions) | 4.1053% | 3,740 |
| Cash dividends to net income (ytd only)* | 69.5412% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 2,421 |
| Loan loss allowance to noncurrent loans | 55.6872% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 2.1599% | 418 |
| Noncurrent loans to loans | 2.2051% | 587 |
| Net loans and leases to total assets | 78.1827% | 1,249 |
| Net loans and leases to deposits | 92.0458% | 1,550 |
| Net loans and leases to core deposits | 102.6209% | 1,532 |
| Total domestic deposits to total assets | 84.9389% | 2,667 |
| Equity capital to assets | 10.4161% | 3,270 |
| Core capital (leverage) ratio | 9.6156% | 3,988 |
| Tier 1 risk-based capital ratio | 10.5928% | 5,147 |
| Total risk-based capital ratio | 11.7042% | 5,097 |
| Memoranda: | ||
| Average total assets | $576,885,400 | 1,241 |
| Average earning assets | $535,386,600 | 1,237 |
| Average equity | $60,050,400 | 1,323 |
| Average total loans | $448,469,800 | 1,146 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 1,904 |
| Cost of funding earning assets | 0.4451% | 3,558 |
| Net interest margin | 4.1837% | 1,404 |
| Noninterest income to average assets | 0.7644% | 1,610 |
| Noninterest expense to average assets | 3.4176% | 1,092 |
| Loan and lease loss provision to assets | 0.0934% | 2,112 |
| Net operating income to assets | 1.1343% | 2,515 |
| Return on assets (ROA) | 1.1219% | 2,578 |
| Pretax return on assets | 1.1219% | 3,309 |
| Return on Equity (ROE) | 10.7799% | 2,273 |
| Retained earnings to average equity (ytd only) | 1.4621% | 4,740 |
| Net charge-offs to loans | -0.0712% | 5,059 |
| Credit loss provision to net charge-offs | -169.4915% | 4,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5718% | 1,656 |
| Assets per employee ($millions) | 3.9913% | 3,904 |
| Cash dividends to net income (ytd only)* | 86.4365% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 2,193 |
| Loan loss allowance to noncurrent loans | 48.3499% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 2.4172% | 371 |
| Noncurrent loans to loans | 2.6484% | 468 |
| Net loans and leases to total assets | 77.6760% | 1,389 |
| Net loans and leases to deposits | 90.4107% | 1,835 |
| Net loans and leases to core deposits | 96.3107% | 2,085 |
| Total domestic deposits to total assets | 85.9147% | 2,235 |
| Equity capital to assets | 10.3881% | 3,250 |
| Core capital (leverage) ratio | 9.5462% | 4,117 |
| Tier 1 risk-based capital ratio | 10.6888% | 5,178 |
| Total risk-based capital ratio | 11.8412% | 5,125 |
| Memoranda: | ||
| Average total assets | $571,262,250 | 1,252 |
| Average earning assets | $529,919,750 | 1,250 |
| Average equity | $59,455,000 | 1,334 |
| Average total loans | $441,978,250 | 1,158 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 1,915 |
| Cost of funding earning assets | 0.3876% | 3,824 |
| Net interest margin | 4.1689% | 1,356 |
| Noninterest income to average assets | 0.5985% | 2,328 |
| Noninterest expense to average assets | 3.4619% | 1,049 |
| Loan and lease loss provision to assets | 0.1407% | 1,390 |
| Net operating income to assets | 0.8608% | 3,625 |
| Return on assets (ROA) | 0.8545% | 3,652 |
| Pretax return on assets | 0.8545% | 4,098 |
| Return on Equity (ROE) | 8.2048% | 3,414 |
| Retained earnings to average equity (ytd only) | -6.0000% | 5,327 |
| Net charge-offs to loans | 0.0251% | 2,354 |
| Credit loss provision to net charge-offs | 727.2727% | 545 |
| Earnings coverage of net charge-offs (x) | 51.7818% | 1,103 |
| Efficiency ratio | 77.5624% | 1,237 |
| Assets per employee ($millions) | 3.8787% | 4,088 |
| Cash dividends to net income (ytd only)* | 173.1276% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 2,523 |
| Loan loss allowance to noncurrent loans | 66.4986% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.7582% | 680 |
| Noncurrent loans to loans | 1.8569% | 832 |
| Net loans and leases to total assets | 76.6741% | 1,537 |
| Net loans and leases to deposits | 93.4688% | 1,421 |
| Net loans and leases to core deposits | 98.1246% | 1,882 |
| Total domestic deposits to total assets | 82.0317% | 3,715 |
| Equity capital to assets | 10.0647% | 3,563 |
| Core capital (leverage) ratio | 9.3592% | 4,292 |
| Tier 1 risk-based capital ratio | 10.4068% | 5,308 |
| Total risk-based capital ratio | 11.5230% | 5,272 |
| Memoranda: | ||
| Average total assets | $568,770,670 | 1,258 |
| Average earning assets | $527,282,330 | 1,257 |
| Average equity | $59,233,330 | 1,339 |
| Average total loans | $437,514,000 | 1,170 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5930% | 1,599 |
| Cost of funding earning assets | 0.3448% | 4,026 |
| Net interest margin | 4.2481% | 1,056 |
| Noninterest income to average assets | 0.5573% | 2,486 |
| Noninterest expense to average assets | 3.3619% | 1,232 |
| Loan and lease loss provision to assets | 0.1418% | 1,328 |
| Net operating income to assets | 0.9926% | 2,878 |
| Return on assets (ROA) | 0.9919% | 2,906 |
| Pretax return on assets | 0.9919% | 3,562 |
| Return on Equity (ROE) | 9.3630% | 2,738 |
| Retained earnings to average equity (ytd only) | -14.4361% | 5,448 |
| Net charge-offs to loans | 0.0009% | 2,701 |
| Credit loss provision to net charge-offs | 20,000.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 1,600.0000% | 34 |
| Efficiency ratio | 74.7714% | 1,785 |
| Assets per employee ($millions) | 3.7243% | 4,388 |
| Cash dividends to net income (ytd only)* | 254.1816% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 2,411 |
| Loan loss allowance to noncurrent loans | 369.7053% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.6145% | 2,468 |
| Noncurrent loans to loans | 0.3430% | 3,534 |
| Net loans and leases to total assets | 75.1856% | 1,673 |
| Net loans and leases to deposits | 87.4427% | 2,001 |
| Net loans and leases to core deposits | 97.6243% | 1,861 |
| Total domestic deposits to total assets | 85.9827% | 2,545 |
| Equity capital to assets | 10.3876% | 3,182 |
| Core capital (leverage) ratio | 9.3425% | 4,265 |
| Tier 1 risk-based capital ratio | 10.8817% | 5,197 |
| Total risk-based capital ratio | 12.0265% | 5,148 |
| Memoranda: | ||
| Average total assets | $564,196,500 | 1,272 |
| Average earning assets | $523,149,000 | 1,281 |
| Average equity | $59,767,000 | 1,334 |
| Average total loans | $431,944,000 | 1,187 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5950% | 1,448 |
| Cost of funding earning assets | 0.3100% | 4,040 |
| Net interest margin | 4.2850% | 996 |
| Noninterest income to average assets | 0.4613% | 3,237 |
| Noninterest expense to average assets | 3.5000% | 1,035 |
| Loan and lease loss provision to assets | 0.3783% | 400 |
| Net operating income to assets | 0.5475% | 4,233 |
| Return on assets (ROA) | 0.5414% | 4,288 |
| Pretax return on assets | 0.5414% | 4,862 |
| Return on Equity (ROE) | 4.9288% | 4,190 |
| Retained earnings to average equity (ytd only) | -2.6062% | 5,322 |
| Net charge-offs to loans | 0.2670% | 973 |
| Credit loss provision to net charge-offs | 186.8953% | 1,456 |
| Earnings coverage of net charge-offs (x) | 4.5734% | 3,447 |
| Efficiency ratio | 79.0820% | 1,212 |
| Assets per employee ($millions) | 3.7484% | 4,364 |
| Cash dividends to net income (ytd only)* | 152.8773% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 2,868 |
| Loan loss allowance to noncurrent loans | 383.3948% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.6008% | 2,547 |
| Noncurrent loans to loans | 0.3090% | 3,675 |
| Net loans and leases to total assets | 76.0474% | 1,586 |
| Net loans and leases to deposits | 89.5093% | 1,835 |
| Net loans and leases to core deposits | 100.0182% | 1,716 |
| Total domestic deposits to total assets | 84.9604% | 2,848 |
| Equity capital to assets | 10.7950% | 2,844 |
| Core capital (leverage) ratio | 9.6097% | 3,910 |
| Tier 1 risk-based capital ratio | 10.9877% | 5,157 |
| Total risk-based capital ratio | 12.0560% | 5,142 |
| Memoranda: | ||
| Average total assets | $561,692,600 | 1,261 |
| Average earning assets | $519,669,200 | 1,259 |
| Average equity | $61,698,000 | 1,284 |
| Average total loans | $425,845,400 | 1,174 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5664% | 1,458 |
| Cost of funding earning assets | 0.3026% | 4,103 |
| Net interest margin | 4.2638% | 1,014 |
| Noninterest income to average assets | 0.6060% | 2,441 |
| Noninterest expense to average assets | 3.4667% | 1,043 |
| Loan and lease loss provision to assets | 0.4050% | 331 |
| Net operating income to assets | 0.6785% | 4,088 |
| Return on assets (ROA) | 0.6775% | 4,149 |
| Pretax return on assets | 0.6775% | 4,663 |
| Return on Equity (ROE) | 6.1411% | 4,058 |
| Retained earnings to average equity (ytd only) | -4.0746% | 5,521 |
| Net charge-offs to loans | 0.0981% | 1,801 |
| Credit loss provision to net charge-offs | 546.6238% | 578 |
| Earnings coverage of net charge-offs (x) | 14.6237% | 2,282 |
| Efficiency ratio | 76.1885% | 1,564 |
| Assets per employee ($millions) | 3.6599% | 4,500 |
| Cash dividends to net income (ytd only)* | 166.3499% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 2,359 |
| Loan loss allowance to noncurrent loans | 216.8992% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.7513% | 2,254 |
| Noncurrent loans to loans | 0.5986% | 2,917 |
| Net loans and leases to total assets | 75.9752% | 1,595 |
| Net loans and leases to deposits | 90.3053% | 1,775 |
| Net loans and leases to core deposits | 101.0962% | 1,615 |
| Total domestic deposits to total assets | 84.1315% | 3,070 |
| Equity capital to assets | 11.1105% | 2,754 |
| Core capital (leverage) ratio | 9.6558% | 3,983 |
| Tier 1 risk-based capital ratio | 11.1504% | 5,160 |
| Total risk-based capital ratio | 12.3244% | 5,093 |
| Memoranda: | ||
| Average total assets | $559,677,250 | 1,279 |
| Average earning assets | $517,713,750 | 1,275 |
| Average equity | $61,746,250 | 1,289 |
| Average total loans | $422,687,250 | 1,185 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5089% | 1,493 |
| Cost of funding earning assets | 0.2904% | 4,182 |
| Net interest margin | 4.2184% | 1,042 |
| Noninterest income to average assets | 0.5972% | 2,473 |
| Noninterest expense to average assets | 3.4704% | 1,055 |
| Loan and lease loss provision to assets | 0.5004% | 238 |
| Net operating income to assets | 0.5300% | 4,612 |
| Return on assets (ROA) | 0.5386% | 4,616 |
| Pretax return on assets | 0.5386% | 4,938 |
| Return on Equity (ROE) | 4.8936% | 4,517 |
| Retained earnings to average equity (ytd only) | -9.4333% | 5,643 |
| Net charge-offs to loans | -0.0033% | 4,247 |
| Credit loss provision to net charge-offs | -20,000.0000% | 5,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1063% | 1,571 |
| Assets per employee ($millions) | 3.6088% | 4,564 |
| Cash dividends to net income (ytd only)* | 292.7671% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 2,324 |
| Loan loss allowance to noncurrent loans | 323.3871% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 2,791 |
| Noncurrent loans to loans | 0.4074% | 3,564 |
| Net loans and leases to total assets | 74.2168% | 1,828 |
| Net loans and leases to deposits | 91.8460% | 1,518 |
| Net loans and leases to core deposits | 102.0889% | 1,504 |
| Total domestic deposits to total assets | 80.8057% | 4,232 |
| Equity capital to assets | 10.8402% | 2,984 |
| Core capital (leverage) ratio | 9.5042% | 4,127 |
| Tier 1 risk-based capital ratio | 11.1666% | 5,167 |
| Total risk-based capital ratio | 12.3691% | 5,081 |
| Memoranda: | ||
| Average total assets | $559,583,330 | 1,286 |
| Average earning assets | $517,823,670 | 1,283 |
| Average equity | $61,590,330 | 1,291 |
| Average total loans | $419,907,670 | 1,194 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4000% | 1,648 |
| Cost of funding earning assets | 0.2728% | 4,324 |
| Net interest margin | 4.1273% | 1,152 |
| Noninterest income to average assets | 0.5560% | 2,631 |
| Noninterest expense to average assets | 3.3477% | 1,293 |
| Loan and lease loss provision to assets | 0.1079% | 1,769 |
| Net operating income to assets | 0.9207% | 2,662 |
| Return on assets (ROA) | 0.9351% | 2,641 |
| Pretax return on assets | 0.9351% | 3,645 |
| Return on Equity (ROE) | 8.4311% | 2,706 |
| Retained earnings to average equity (ytd only) | -17.0113% | 5,691 |
| Net charge-offs to loans | -0.0067% | 4,275 |
| Credit loss provision to net charge-offs | -2,142.8571% | 4,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4957% | 1,836 |
| Assets per employee ($millions) | 3.6292% | 4,601 |
| Cash dividends to net income (ytd only)* | 301.7692% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 3,982 |
| Loan loss allowance to noncurrent loans | 248.2366% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.6202% | 2,773 |
| Noncurrent loans to loans | 0.4226% | 3,580 |
| Net loans and leases to total assets | 74.6191% | 1,645 |
| Net loans and leases to deposits | 89.2495% | 1,639 |
| Net loans and leases to core deposits | 97.8043% | 1,671 |
| Total domestic deposits to total assets | 83.6073% | 3,622 |
| Equity capital to assets | 10.9872% | 2,636 |
| Core capital (leverage) ratio | 9.7301% | 3,835 |
| Tier 1 risk-based capital ratio | 11.4743% | 5,045 |
| Total risk-based capital ratio | 12.4296% | 5,112 |
| Memoranda: | ||
| Average total assets | $556,087,500 | 1,291 |
| Average earning assets | $514,722,000 | 1,282 |
| Average equity | $61,676,500 | 1,284 |
| Average total loans | $416,807,500 | 1,204 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4787% | 1,602 |
| Cost of funding earning assets | 0.2690% | 4,377 |
| Net interest margin | 4.2097% | 1,089 |
| Noninterest income to average assets | 0.6151% | 2,581 |
| Noninterest expense to average assets | 3.4304% | 1,291 |
| Loan and lease loss provision to assets | 0.1078% | 2,250 |
| Net operating income to assets | 0.9714% | 2,486 |
| Return on assets (ROA) | 0.9734% | 2,578 |
| Pretax return on assets | 0.9734% | 3,573 |
| Return on Equity (ROE) | 8.5784% | 2,624 |
| Retained earnings to average equity (ytd only) | 1.7721% | 4,517 |
| Net charge-offs to loans | 0.1481% | 1,784 |
| Credit loss provision to net charge-offs | 95.2381% | 2,692 |
| Earnings coverage of net charge-offs (x) | 9.5333% | 2,745 |
| Efficiency ratio | 76.0489% | 1,973 |
| Assets per employee ($millions) | 3.7122% | 4,450 |
| Cash dividends to net income (ytd only)* | 79.3428% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 4,274 |
| Loan loss allowance to noncurrent loans | 206.1244% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.3869% | 3,724 |
| Noncurrent loans to loans | 0.4887% | 3,405 |
| Net loans and leases to total assets | 73.7537% | 1,885 |
| Net loans and leases to deposits | 88.1855% | 1,899 |
| Net loans and leases to core deposits | 96.5709% | 1,876 |
| Total domestic deposits to total assets | 83.6347% | 3,558 |
| Equity capital to assets | 11.1935% | 2,427 |
| Core capital (leverage) ratio | 10.1005% | 3,364 |
| Tier 1 risk-based capital ratio | 12.1332% | 4,638 |
| Total risk-based capital ratio | 13.0606% | 4,752 |
| Memoranda: | ||
| Average total assets | $556,521,000 | 1,249 |
| Average earning assets | $514,855,000 | 1,247 |
| Average equity | $63,146,800 | 1,241 |
| Average total loans | $425,355,600 | 1,152 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5040% | 1,527 |
| Cost of funding earning assets | 0.2657% | 4,436 |
| Net interest margin | 4.2383% | 1,049 |
| Noninterest income to average assets | 0.5962% | 2,680 |
| Noninterest expense to average assets | 3.4106% | 1,324 |
| Loan and lease loss provision to assets | 0.1080% | 2,124 |
| Net operating income to assets | 0.9982% | 2,441 |
| Return on assets (ROA) | 1.0008% | 2,569 |
| Pretax return on assets | 1.0008% | 3,628 |
| Return on Equity (ROE) | 8.7906% | 2,610 |
| Retained earnings to average equity (ytd only) | 0.0211% | 5,338 |
| Net charge-offs to loans | 0.0300% | 3,056 |
| Credit loss provision to net charge-offs | 468.7500% | 748 |
| Earnings coverage of net charge-offs (x) | 48.0092% | 1,111 |
| Efficiency ratio | 75.4822% | 2,039 |
| Assets per employee ($millions) | 3.6563% | 4,563 |
| Cash dividends to net income (ytd only)* | 99.7602% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 3,938 |
| Loan loss allowance to noncurrent loans | 186.0965% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4726% | 3,540 |
| Noncurrent loans to loans | 0.5807% | 3,266 |
| Net loans and leases to total assets | 76.1110% | 1,507 |
| Net loans and leases to deposits | 92.0769% | 1,489 |
| Net loans and leases to core deposits | 99.5631% | 1,675 |
| Total domestic deposits to total assets | 82.6603% | 3,723 |
| Equity capital to assets | 11.6535% | 2,396 |
| Core capital (leverage) ratio | 9.9414% | 3,642 |
| Tier 1 risk-based capital ratio | 11.8040% | 4,916 |
| Total risk-based capital ratio | 12.8089% | 4,967 |
| Memoranda: | ||
| Average total assets | $555,516,250 | 1,253 |
| Average earning assets | $513,873,250 | 1,250 |
| Average equity | $63,247,500 | 1,248 |
| Average total loans | $427,288,000 | 1,144 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4986% | 1,516 |
| Cost of funding earning assets | 0.2606% | 4,542 |
| Net interest margin | 4.2381% | 1,041 |
| Noninterest income to average assets | 0.5856% | 2,691 |
| Noninterest expense to average assets | 3.3525% | 1,478 |
| Loan and lease loss provision to assets | 0.1078% | 2,060 |
| Net operating income to assets | 1.0466% | 2,201 |
| Return on assets (ROA) | 1.0502% | 2,299 |
| Pretax return on assets | 1.0502% | 3,396 |
| Return on Equity (ROE) | 9.2966% | 2,368 |
| Retained earnings to average equity (ytd only) | -2.4299% | 5,575 |
| Net charge-offs to loans | 0.0187% | 3,128 |
| Credit loss provision to net charge-offs | 750.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 80.3250% | 702 |
| Efficiency ratio | 74.3463% | 2,313 |
| Assets per employee ($millions) | 3.5412% | 4,685 |
| Cash dividends to net income (ytd only)* | 126.1375% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 4,130 |
| Loan loss allowance to noncurrent loans | 180.9658% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.4881% | 3,582 |
| Noncurrent loans to loans | 0.5893% | 3,303 |
| Net loans and leases to total assets | 76.0098% | 1,491 |
| Net loans and leases to deposits | 92.1656% | 1,491 |
| Net loans and leases to core deposits | 99.2126% | 1,694 |
| Total domestic deposits to total assets | 82.4709% | 3,849 |
| Equity capital to assets | 11.5569% | 2,488 |
| Core capital (leverage) ratio | 9.8577% | 3,738 |
| Tier 1 risk-based capital ratio | 11.6346% | 5,069 |
| Total risk-based capital ratio | 12.6189% | 5,133 |
| Memoranda: | ||
| Average total assets | $556,652,330 | 1,258 |
| Average earning assets | $515,047,670 | 1,248 |
| Average equity | $62,883,330 | 1,256 |
| Average total loans | $428,115,330 | 1,139 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4716% | 1,589 |
| Cost of funding earning assets | 0.2567% | 4,634 |
| Net interest margin | 4.2150% | 1,067 |
| Noninterest income to average assets | 0.5659% | 2,710 |
| Noninterest expense to average assets | 3.4460% | 1,287 |
| Loan and lease loss provision to assets | 0.1070% | 1,917 |
| Net operating income to assets | 0.9148% | 2,674 |
| Return on assets (ROA) | 0.9106% | 2,820 |
| Pretax return on assets | 0.9106% | 3,797 |
| Return on Equity (ROE) | 8.1523% | 2,829 |
| Retained earnings to average equity (ytd only) | -12.2924% | 5,864 |
| Net charge-offs to loans | 0.0250% | 2,431 |
| Credit loss provision to net charge-offs | 555.5556% | 559 |
| Earnings coverage of net charge-offs (x) | 53.0370% | 845 |
| Efficiency ratio | 77.0484% | 2,038 |
| Assets per employee ($millions) | 3.5206% | 4,780 |
| Cash dividends to net income (ytd only)* | 250.7837% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 4,418 |
| Loan loss allowance to noncurrent loans | 169.7819% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5147% | 3,541 |
| Noncurrent loans to loans | 0.6095% | 3,346 |
| Net loans and leases to total assets | 75.9161% | 1,405 |
| Net loans and leases to deposits | 91.9021% | 1,359 |
| Net loans and leases to core deposits | 97.7455% | 1,656 |
| Total domestic deposits to total assets | 82.6054% | 4,035 |
| Equity capital to assets | 11.2833% | 2,646 |
| Core capital (leverage) ratio | 9.5721% | 4,073 |
| Tier 1 risk-based capital ratio | 11.3349% | 5,323 |
| Total risk-based capital ratio | 12.2854% | 5,395 |
| Memoranda: | ||
| Average total assets | $560,537,000 | 1,254 |
| Average earning assets | $518,914,000 | 1,243 |
| Average equity | $62,608,000 | 1,253 |
| Average total loans | $431,322,000 | 1,130 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3909% | 1,931 |
| Cost of funding earning assets | 0.2528% | 4,753 |
| Net interest margin | 4.1380% | 1,313 |
| Noninterest income to average assets | 0.6785% | 2,299 |
| Noninterest expense to average assets | 3.3844% | 1,514 |
| Loan and lease loss provision to assets | 0.1142% | 2,097 |
| Net operating income to assets | 1.0055% | 2,335 |
| Return on assets (ROA) | 1.0138% | 2,371 |
| Pretax return on assets | 1.0138% | 3,403 |
| Return on Equity (ROE) | 9.3527% | 2,289 |
| Retained earnings to average equity (ytd only) | 2.1757% | 4,481 |
| Net charge-offs to loans | 0.1944% | 1,497 |
| Credit loss provision to net charge-offs | 77.1971% | 2,997 |
| Earnings coverage of net charge-offs (x) | 7.5677% | 3,063 |
| Efficiency ratio | 74.9951% | 2,425 |
| Assets per employee ($millions) | 3.8902% | 4,135 |
| Cash dividends to net income (ytd only)* | 76.7377% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 4,809 |
| Loan loss allowance to noncurrent loans | 163.5276% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.5202% | 3,557 |
| Noncurrent loans to loans | 0.5871% | 3,409 |
| Net loans and leases to total assets | 76.4357% | 1,343 |
| Net loans and leases to deposits | 94.0866% | 1,194 |
| Net loans and leases to core deposits | 98.3790% | 1,644 |
| Total domestic deposits to total assets | 81.2397% | 4,416 |
| Equity capital to assets | 11.0598% | 2,763 |
| Core capital (leverage) ratio | 9.7178% | 3,884 |
| Tier 1 risk-based capital ratio | 11.3206% | 5,367 |
| Total risk-based capital ratio | 12.2102% | 5,445 |
| Memoranda: | ||
| Average total assets | $569,058,200 | 1,202 |
| Average earning assets | $526,093,600 | 1,200 |
| Average equity | $61,682,600 | 1,221 |
| Average total loans | $433,191,600 | 1,061 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3765% | 1,993 |
| Cost of funding earning assets | 0.2541% | 4,830 |
| Net interest margin | 4.1224% | 1,346 |
| Noninterest income to average assets | 0.7078% | 2,197 |
| Noninterest expense to average assets | 3.4109% | 1,460 |
| Loan and lease loss provision to assets | 0.1056% | 2,103 |
| Net operating income to assets | 1.0012% | 2,462 |
| Return on assets (ROA) | 1.0036% | 2,547 |
| Pretax return on assets | 1.0036% | 3,602 |
| Return on Equity (ROE) | 9.3061% | 2,415 |
| Retained earnings to average equity (ytd only) | 0.6918% | 5,414 |
| Net charge-offs to loans | 0.0272% | 3,399 |
| Credit loss provision to net charge-offs | 511.3636% | 638 |
| Earnings coverage of net charge-offs (x) | 53.6138% | 999 |
| Efficiency ratio | 75.3505% | 2,341 |
| Assets per employee ($millions) | 4.0697% | 3,761 |
| Cash dividends to net income (ytd only)* | 92.5666% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 4,300 |
| Loan loss allowance to noncurrent loans | 142.0397% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 3,238 |
| Noncurrent loans to loans | 0.7656% | 3,051 |
| Net loans and leases to total assets | 75.9382% | 1,393 |
| Net loans and leases to deposits | 95.4624% | 1,056 |
| Net loans and leases to core deposits | 98.8501% | 1,624 |
| Total domestic deposits to total assets | 79.5477% | 4,846 |
| Equity capital to assets | 10.8624% | 3,179 |
| Core capital (leverage) ratio | 9.5245% | 4,269 |
| Tier 1 risk-based capital ratio | 11.1148% | 5,597 |
| Total risk-based capital ratio | 12.1216% | 5,644 |
| Memoranda: | ||
| Average total assets | $568,358,750 | 1,208 |
| Average earning assets | $525,281,000 | 1,206 |
| Average equity | $61,291,750 | 1,235 |
| Average total loans | $431,154,750 | 1,066 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 1,970 |
| Cost of funding earning assets | 0.2560% | 4,882 |
| Net interest margin | 4.1047% | 1,337 |
| Noninterest income to average assets | 0.6736% | 2,332 |
| Noninterest expense to average assets | 3.3827% | 1,505 |
| Loan and lease loss provision to assets | 0.1059% | 2,063 |
| Net operating income to assets | 0.9779% | 2,506 |
| Return on assets (ROA) | 0.9835% | 2,595 |
| Pretax return on assets | 0.9835% | 3,652 |
| Return on Equity (ROE) | 9.1427% | 2,461 |
| Retained earnings to average equity (ytd only) | -1.8804% | 5,817 |
| Net charge-offs to loans | -0.0164% | 5,094 |
| Credit loss provision to net charge-offs | -857.1429% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5691% | 2,441 |
| Assets per employee ($millions) | 3.8143% | 4,231 |
| Cash dividends to net income (ytd only)* | 120.5671% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 4,216 |
| Loan loss allowance to noncurrent loans | 124.8428% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.7839% | 3,033 |
| Noncurrent loans to loans | 0.8986% | 2,880 |
| Net loans and leases to total assets | 74.3828% | 1,598 |
| Net loans and leases to deposits | 88.7090% | 1,754 |
| Net loans and leases to core deposits | 90.4943% | 2,301 |
| Total domestic deposits to total assets | 83.8504% | 3,633 |
| Equity capital to assets | 10.7443% | 3,172 |
| Core capital (leverage) ratio | 9.3701% | 4,465 |
| Tier 1 risk-based capital ratio | 11.1477% | 5,644 |
| Total risk-based capital ratio | 12.1691% | 5,667 |
| Memoranda: | ||
| Average total assets | $566,533,670 | 1,215 |
| Average earning assets | $523,503,670 | 1,215 |
| Average equity | $60,945,000 | 1,249 |
| Average total loans | $428,023,000 | 1,074 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2808% | 2,161 |
| Cost of funding earning assets | 0.2550% | 4,967 |
| Net interest margin | 4.0258% | 1,473 |
| Noninterest income to average assets | 0.5765% | 2,795 |
| Noninterest expense to average assets | 3.4901% | 1,334 |
| Loan and lease loss provision to assets | 0.1057% | 1,938 |
| Net operating income to assets | 0.6977% | 3,812 |
| Return on assets (ROA) | 0.6977% | 3,939 |
| Pretax return on assets | 0.6977% | 4,599 |
| Return on Equity (ROE) | 6.4822% | 3,776 |
| Retained earnings to average equity (ytd only) | -12.5584% | 6,186 |
| Net charge-offs to loans | -0.0372% | 5,373 |
| Credit loss provision to net charge-offs | -375.0000% | 4,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0735% | 1,750 |
| Assets per employee ($millions) | 3.6210% | 4,683 |
| Cash dividends to net income (ytd only)* | 293.7374% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 4,466 |
| Loan loss allowance to noncurrent loans | 559.2010% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.2204% | 5,062 |
| Noncurrent loans to loans | 0.1982% | 5,068 |
| Net loans and leases to total assets | 74.3717% | 1,444 |
| Net loans and leases to deposits | 89.3525% | 1,451 |
| Net loans and leases to core deposits | 91.9023% | 1,954 |
| Total domestic deposits to total assets | 83.2340% | 4,107 |
| Equity capital to assets | 10.9189% | 3,068 |
| Core capital (leverage) ratio | 9.1679% | 4,762 |
| Tier 1 risk-based capital ratio | 11.0523% | 5,780 |
| Total risk-based capital ratio | 12.0603% | 5,817 |
| Memoranda: | ||
| Average total assets | $567,540,500 | 1,216 |
| Average earning assets | $524,018,500 | 1,217 |
| Average equity | $61,090,500 | 1,251 |
| Average total loans | $429,699,500 | 1,069 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2970% | 2,617 |
| Cost of funding earning assets | 0.2528% | 5,293 |
| Net interest margin | 4.0442% | 1,756 |
| Noninterest income to average assets | 0.6614% | 2,497 |
| Noninterest expense to average assets | 3.6123% | 1,279 |
| Loan and lease loss provision to assets | -0.0796% | 6,107 |
| Net operating income to assets | 0.8749% | 2,996 |
| Return on assets (ROA) | 0.8888% | 3,009 |
| Pretax return on assets | 0.8888% | 3,937 |
| Return on Equity (ROE) | 8.5264% | 2,822 |
| Retained earnings to average equity (ytd only) | 3.2629% | 3,906 |
| Net charge-offs to loans | 0.3564% | 1,224 |
| Credit loss provision to net charge-offs | -30.2216% | 5,377 |
| Earnings coverage of net charge-offs (x) | 3.0195% | 4,005 |
| Efficiency ratio | 81.5876% | 1,711 |
| Assets per employee ($millions) | 3.8737% | 4,219 |
| Cash dividends to net income (ytd only)* | 61.7313% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 5,057 |
| Loan loss allowance to noncurrent loans | 588.9628% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.2150% | 5,165 |
| Noncurrent loans to loans | 0.1698% | 5,218 |
| Net loans and leases to total assets | 75.4339% | 1,349 |
| Net loans and leases to deposits | 94.5960% | 1,023 |
| Net loans and leases to core deposits | 96.7218% | 1,659 |
| Total domestic deposits to total assets | 79.7433% | 5,080 |
| Equity capital to assets | 10.6164% | 3,342 |
| Core capital (leverage) ratio | 9.3469% | 4,467 |
| Tier 1 risk-based capital ratio | 10.9390% | 5,930 |
| Total risk-based capital ratio | 11.8613% | 6,003 |
| Memoranda: | ||
| Average total assets | $565,339,000 | 1,169 |
| Average earning assets | $523,686,800 | 1,165 |
| Average equity | $58,934,800 | 1,241 |
| Average total loans | $417,830,600 | 1,052 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 2,714 |
| Cost of funding earning assets | 0.2470% | 5,438 |
| Net interest margin | 4.0323% | 1,784 |
| Noninterest income to average assets | 0.6353% | 2,651 |
| Noninterest expense to average assets | 3.6992% | 1,120 |
| Loan and lease loss provision to assets | -0.1544% | 6,352 |
| Net operating income to assets | 0.8274% | 3,299 |
| Return on assets (ROA) | 0.8462% | 3,290 |
| Pretax return on assets | 0.8462% | 4,198 |
| Return on Equity (ROE) | 8.1559% | 3,125 |
| Retained earnings to average equity (ytd only) | 1.0987% | 5,446 |
| Net charge-offs to loans | 0.3683% | 1,087 |
| Credit loss provision to net charge-offs | -57.1680% | 5,365 |
| Earnings coverage of net charge-offs (x) | 2.4925% | 3,902 |
| Efficiency ratio | 84.2314% | 1,361 |
| Assets per employee ($millions) | 3.7830% | 4,324 |
| Cash dividends to net income (ytd only)* | 86.5281% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 4,902 |
| Loan loss allowance to noncurrent loans | 310.7870% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 4,775 |
| Noncurrent loans to loans | 0.3433% | 4,869 |
| Net loans and leases to total assets | 74.8484% | 1,388 |
| Net loans and leases to deposits | 91.6484% | 1,260 |
| Net loans and leases to core deposits | 94.0240% | 1,858 |
| Total domestic deposits to total assets | 81.6691% | 4,603 |
| Equity capital to assets | 10.5424% | 3,504 |
| Core capital (leverage) ratio | 9.2505% | 4,708 |
| Tier 1 risk-based capital ratio | 10.9064% | 6,039 |
| Total risk-based capital ratio | 11.8847% | 6,109 |
| Memoranda: | ||
| Average total assets | $561,408,500 | 1,192 |
| Average earning assets | $520,287,000 | 1,182 |
| Average equity | $58,246,500 | 1,260 |
| Average total loans | $411,601,750 | 1,070 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2167% | 2,890 |
| Cost of funding earning assets | 0.2493% | 5,494 |
| Net interest margin | 3.9675% | 1,911 |
| Noninterest income to average assets | 0.6146% | 2,742 |
| Noninterest expense to average assets | 3.6854% | 1,163 |
| Loan and lease loss provision to assets | -0.2324% | 6,493 |
| Net operating income to assets | 0.8434% | 3,112 |
| Return on assets (ROA) | 0.8667% | 3,061 |
| Pretax return on assets | 0.8667% | 4,009 |
| Return on Equity (ROE) | 8.3990% | 2,896 |
| Retained earnings to average equity (ytd only) | -1.7463% | 5,958 |
| Net charge-offs to loans | -0.3096% | 6,440 |
| Credit loss provision to net charge-offs | 103.5032% | 1,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4040% | 1,332 |
| Assets per employee ($millions) | 3.3941% | 5,067 |
| Cash dividends to net income (ytd only)* | 120.7921% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 2,659 |
| Loan loss allowance to noncurrent loans | 215.1916% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.5753% | 4,261 |
| Noncurrent loans to loans | 0.7216% | 3,895 |
| Net loans and leases to total assets | 72.7254% | 1,616 |
| Net loans and leases to deposits | 85.5650% | 1,861 |
| Net loans and leases to core deposits | 88.0278% | 2,315 |
| Total domestic deposits to total assets | 84.9943% | 3,514 |
| Equity capital to assets | 10.6122% | 3,294 |
| Core capital (leverage) ratio | 9.1576% | 4,810 |
| Tier 1 risk-based capital ratio | 11.1400% | 5,993 |
| Total risk-based capital ratio | 12.3920% | 5,924 |
| Memoranda: | ||
| Average total assets | $559,394,330 | 1,193 |
| Average earning assets | $519,123,330 | 1,175 |
| Average equity | $57,721,000 | 1,266 |
| Average total loans | $405,699,330 | 1,072 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 3,176 |
| Cost of funding earning assets | 0.2603% | 5,486 |
| Net interest margin | 3.8671% | 2,205 |
| Noninterest income to average assets | 0.6159% | 2,644 |
| Noninterest expense to average assets | 3.7876% | 1,007 |
| Loan and lease loss provision to assets | -0.4622% | 6,657 |
| Net operating income to assets | 0.8832% | 2,726 |
| Return on assets (ROA) | 0.8840% | 2,791 |
| Pretax return on assets | 0.8840% | 3,759 |
| Return on Equity (ROE) | 8.6884% | 2,606 |
| Retained earnings to average equity (ytd only) | -10.5337% | 6,378 |
| Net charge-offs to loans | -0.6314% | 6,581 |
| Credit loss provision to net charge-offs | 101.8809% | 1,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6080% | 1,072 |
| Assets per employee ($millions) | 3.4190% | 5,103 |
| Cash dividends to net income (ytd only)* | 221.2389% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 2,672 |
| Loan loss allowance to noncurrent loans | 512.5806% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.2319% | 5,506 |
| Noncurrent loans to loans | 0.3133% | 5,165 |
| Net loans and leases to total assets | 69.0228% | 2,054 |
| Net loans and leases to deposits | 78.3636% | 2,500 |
| Net loans and leases to core deposits | 80.6612% | 2,892 |
| Total domestic deposits to total assets | 88.0802% | 2,191 |
| Equity capital to assets | 10.0765% | 3,752 |
| Core capital (leverage) ratio | 8.8480% | 5,199 |
| Tier 1 risk-based capital ratio | 11.0649% | 6,129 |
| Total risk-based capital ratio | 12.3171% | 6,076 |
| Memoranda: | ||
| Average total assets | $562,470,000 | 1,187 |
| Average earning assets | $522,559,500 | 1,170 |
| Average equity | $57,226,000 | 1,270 |
| Average total loans | $404,202,000 | 1,085 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3120% | 2,916 |
| Cost of funding earning assets | 0.3313% | 5,312 |
| Net interest margin | 3.9808% | 2,004 |
| Noninterest income to average assets | 0.7350% | 2,359 |
| Noninterest expense to average assets | 3.5766% | 1,489 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8491% | 3,040 |
| Return on assets (ROA) | 0.8498% | 3,113 |
| Pretax return on assets | 0.8498% | 3,962 |
| Return on Equity (ROE) | 8.3356% | 2,867 |
| Retained earnings to average equity (ytd only) | 0.7861% | 5,483 |
| Net charge-offs to loans | -0.1143% | 6,504 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4600% | 2,081 |
| Assets per employee ($millions) | 3.3184% | 5,247 |
| Cash dividends to net income (ytd only)* | 90.5691% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 2,990 |
| Loan loss allowance to noncurrent loans | 391.8769% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.3019% | 5,361 |
| Noncurrent loans to loans | 0.3938% | 5,029 |
| Net loans and leases to total assets | 72.4491% | 1,608 |
| Net loans and leases to deposits | 83.5110% | 1,997 |
| Net loans and leases to core deposits | 86.2504% | 2,415 |
| Total domestic deposits to total assets | 86.7540% | 2,855 |
| Equity capital to assets | 10.2722% | 3,420 |
| Core capital (leverage) ratio | 9.2119% | 4,704 |
| Tier 1 risk-based capital ratio | 10.9364% | 6,198 |
| Total risk-based capital ratio | 12.1880% | 6,150 |
| Memoranda: | ||
| Average total assets | $572,753,600 | 1,161 |
| Average earning assets | $531,005,400 | 1,139 |
| Average equity | $58,387,800 | 1,237 |
| Average total loans | $404,156,400 | 1,058 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3089% | 2,947 |
| Cost of funding earning assets | 0.3465% | 5,329 |
| Net interest margin | 3.9624% | 2,064 |
| Noninterest income to average assets | 0.7415% | 2,409 |
| Noninterest expense to average assets | 3.5351% | 1,533 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8795% | 2,940 |
| Return on assets (ROA) | 0.8800% | 3,051 |
| Pretax return on assets | 0.8800% | 3,969 |
| Return on Equity (ROE) | 8.6485% | 2,810 |
| Retained earnings to average equity (ytd only) | -0.1525% | 5,969 |
| Net charge-offs to loans | -0.1615% | 6,610 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7199% | 2,145 |
| Assets per employee ($millions) | 3.2069% | 5,482 |
| Cash dividends to net income (ytd only)* | 101.7631% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 2,949 |
| Loan loss allowance to noncurrent loans | 345.5676% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3464% | 5,366 |
| Noncurrent loans to loans | 0.4669% | 5,025 |
| Net loans and leases to total assets | 69.0674% | 2,132 |
| Net loans and leases to deposits | 78.6841% | 2,562 |
| Net loans and leases to core deposits | 81.6623% | 2,915 |
| Total domestic deposits to total assets | 87.7781% | 2,260 |
| Equity capital to assets | 10.1786% | 3,668 |
| Core capital (leverage) ratio | 9.0303% | 5,081 |
| Tier 1 risk-based capital ratio | 11.1993% | 6,185 |
| Total risk-based capital ratio | 12.4513% | 6,153 |
| Memoranda: | ||
| Average total assets | $575,741,250 | 1,167 |
| Average earning assets | $533,703,250 | 1,147 |
| Average equity | $58,583,000 | 1,233 |
| Average total loans | $402,029,250 | 1,063 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2905% | 2,996 |
| Cost of funding earning assets | 0.3636% | 5,287 |
| Net interest margin | 3.9269% | 2,121 |
| Noninterest income to average assets | 0.7323% | 2,489 |
| Noninterest expense to average assets | 3.4774% | 1,660 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8966% | 2,815 |
| Return on assets (ROA) | 0.8966% | 2,959 |
| Pretax return on assets | 0.8966% | 3,924 |
| Return on Equity (ROE) | 8.8126% | 2,705 |
| Retained earnings to average equity (ytd only) | -2.8561% | 6,294 |
| Net charge-offs to loans | -0.0941% | 6,488 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1463% | 2,276 |
| Assets per employee ($millions) | 3.2954% | 5,273 |
| Cash dividends to net income (ytd only)* | 132.4095% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5201% | 3,488 |
| Loan loss allowance to noncurrent loans | 466.0550% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 5,555 |
| Noncurrent loans to loans | 0.3262% | 5,478 |
| Net loans and leases to total assets | 70.0826% | 1,862 |
| Net loans and leases to deposits | 79.7500% | 2,356 |
| Net loans and leases to core deposits | 82.9594% | 2,699 |
| Total domestic deposits to total assets | 87.8779% | 2,334 |
| Equity capital to assets | 10.0793% | 3,818 |
| Core capital (leverage) ratio | 8.7562% | 5,350 |
| Tier 1 risk-based capital ratio | 10.9092% | 6,372 |
| Total risk-based capital ratio | 12.1006% | 6,366 |
| Memoranda: | ||
| Average total assets | $579,518,000 | 1,160 |
| Average earning assets | $537,421,330 | 1,139 |
| Average equity | $58,961,000 | 1,230 |
| Average total loans | $403,966,670 | 1,048 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2674% | 3,030 |
| Cost of funding earning assets | 0.3817% | 5,268 |
| Net interest margin | 3.8857% | 2,163 |
| Noninterest income to average assets | 0.7421% | 2,364 |
| Noninterest expense to average assets | 3.5703% | 1,472 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7755% | 3,305 |
| Return on assets (ROA) | 0.7755% | 3,440 |
| Pretax return on assets | 0.7755% | 4,274 |
| Return on Equity (ROE) | 7.5880% | 3,169 |
| Retained earnings to average equity (ytd only) | -12.6910% | 6,696 |
| Net charge-offs to loans | -0.0178% | 5,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7954% | 2,069 |
| Assets per employee ($millions) | 3.4230% | 5,154 |
| Cash dividends to net income (ytd only)* | 267.2520% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 3,689 |
| Loan loss allowance to noncurrent loans | 466.4567% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.3504% | 5,541 |
| Noncurrent loans to loans | 0.3285% | 5,579 |
| Net loans and leases to total assets | 64.6531% | 2,593 |
| Net loans and leases to deposits | 73.6737% | 2,965 |
| Net loans and leases to core deposits | 76.8369% | 3,223 |
| Total domestic deposits to total assets | 87.7560% | 2,482 |
| Equity capital to assets | 10.0193% | 4,126 |
| Core capital (leverage) ratio | 8.3365% | 5,780 |
| Tier 1 risk-based capital ratio | 10.9356% | 6,435 |
| Total risk-based capital ratio | 12.1835% | 6,407 |
| Memoranda: | ||
| Average total assets | $587,520,000 | 1,155 |
| Average earning assets | $544,874,000 | 1,136 |
| Average equity | $60,042,500 | 1,225 |
| Average total loans | $405,439,500 | 1,048 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7568% | 2,375 |
| Cost of funding earning assets | 0.6571% | 3,854 |
| Net interest margin | 4.0998% | 2,005 |
| Noninterest income to average assets | 0.7286% | 2,594 |
| Noninterest expense to average assets | 3.4706% | 1,895 |
| Loan and lease loss provision to assets | 0.1572% | 3,653 |
| Net operating income to assets | 0.8418% | 3,084 |
| Return on assets (ROA) | 0.8490% | 3,303 |
| Pretax return on assets | 0.8490% | 4,110 |
| Return on Equity (ROE) | 8.2232% | 2,994 |
| Retained earnings to average equity (ytd only) | 3.0095% | 4,114 |
| Net charge-offs to loans | 0.2926% | 3,184 |
| Credit loss provision to net charge-offs | 74.9376% | 4,011 |
| Earnings coverage of net charge-offs (x) | 4.7627% | 3,264 |
| Efficiency ratio | 77.2976% | 2,549 |
| Assets per employee ($millions) | 3.5318% | 4,950 |
| Cash dividends to net income (ytd only)* | 63.4026% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 4,207 |
| Loan loss allowance to noncurrent loans | 473.2372% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 5,537 |
| Noncurrent loans to loans | 0.2941% | 5,743 |
| Net loans and leases to total assets | 71.3647% | 1,594 |
| Net loans and leases to deposits | 82.8689% | 1,896 |
| Net loans and leases to core deposits | 86.6701% | 2,233 |
| Total domestic deposits to total assets | 86.1176% | 3,290 |
| Equity capital to assets | 10.4209% | 3,624 |
| Core capital (leverage) ratio | 8.8432% | 5,111 |
| Tier 1 risk-based capital ratio | 10.5039% | 6,554 |
| Total risk-based capital ratio | 11.7421% | 6,528 |
| Memoranda: | ||
| Average total assets | $572,577,200 | 1,157 |
| Average earning assets | $522,468,400 | 1,157 |
| Average equity | $59,113,000 | 1,203 |
| Average total loans | $410,406,800 | 1,020 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8485% | 2,204 |
| Cost of funding earning assets | 0.7148% | 3,641 |
| Net interest margin | 4.1337% | 1,954 |
| Noninterest income to average assets | 0.7609% | 2,424 |
| Noninterest expense to average assets | 3.4664% | 1,839 |
| Loan and lease loss provision to assets | 0.2108% | 2,961 |
| Net operating income to assets | 0.8419% | 3,249 |
| Return on assets (ROA) | 0.8450% | 3,484 |
| Pretax return on assets | 0.8450% | 4,320 |
| Return on Equity (ROE) | 8.2044% | 3,182 |
| Retained earnings to average equity (ytd only) | 0.5391% | 5,928 |
| Net charge-offs to loans | 0.0174% | 5,434 |
| Credit loss provision to net charge-offs | 1,698.1132% | 161 |
| Earnings coverage of net charge-offs (x) | 84.7983% | 488 |
| Efficiency ratio | 76.3517% | 2,622 |
| Assets per employee ($millions) | 3.2380% | 5,563 |
| Cash dividends to net income (ytd only)* | 93.4295% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7569% | 2,939 |
| Loan loss allowance to noncurrent loans | 294.8997% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 5,091 |
| Noncurrent loans to loans | 0.5958% | 5,250 |
| Net loans and leases to total assets | 69.6085% | 1,992 |
| Net loans and leases to deposits | 80.1161% | 2,372 |
| Net loans and leases to core deposits | 84.0053% | 2,698 |
| Total domestic deposits to total assets | 86.8846% | 2,747 |
| Equity capital to assets | 10.5662% | 3,771 |
| Core capital (leverage) ratio | 8.7199% | 5,446 |
| Tier 1 risk-based capital ratio | 10.7584% | 6,584 |
| Total risk-based capital ratio | 12.0091% | 6,564 |
| Memoranda: | ||
| Average total assets | $569,150,500 | 1,180 |
| Average earning assets | $517,452,000 | 1,185 |
| Average equity | $58,617,250 | 1,212 |
| Average total loans | $406,932,000 | 1,031 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8489% | 2,307 |
| Cost of funding earning assets | 0.7652% | 3,479 |
| Net interest margin | 4.0837% | 2,151 |
| Noninterest income to average assets | 0.7846% | 2,267 |
| Noninterest expense to average assets | 3.4373% | 1,942 |
| Loan and lease loss provision to assets | 0.2105% | 2,976 |
| Net operating income to assets | 0.8502% | 3,141 |
| Return on assets (ROA) | 0.8544% | 3,389 |
| Pretax return on assets | 0.8544% | 4,261 |
| Return on Equity (ROE) | 8.3679% | 3,080 |
| Retained earnings to average equity (ytd only) | -1.4949% | 6,288 |
| Net charge-offs to loans | 0.0264% | 5,013 |
| Credit loss provision to net charge-offs | 1,111.1111% | 298 |
| Earnings coverage of net charge-offs (x) | 55.9815% | 672 |
| Efficiency ratio | 76.0668% | 2,734 |
| Assets per employee ($millions) | 3.2694% | 5,519 |
| Cash dividends to net income (ytd only)* | 117.8645% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6676% | 3,362 |
| Loan loss allowance to noncurrent loans | 228.7602% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.7498% | 4,923 |
| Noncurrent loans to loans | 0.7290% | 5,045 |
| Net loans and leases to total assets | 70.4046% | 1,851 |
| Net loans and leases to deposits | 81.1261% | 2,215 |
| Net loans and leases to core deposits | 85.0456% | 2,556 |
| Total domestic deposits to total assets | 86.7841% | 2,901 |
| Equity capital to assets | 10.3891% | 3,827 |
| Core capital (leverage) ratio | 8.5881% | 5,535 |
| Tier 1 risk-based capital ratio | 10.5303% | 6,685 |
| Total risk-based capital ratio | 11.7800% | 6,668 |
| Memoranda: | ||
| Average total assets | $569,982,000 | 1,178 |
| Average earning assets | $518,305,000 | 1,181 |
| Average equity | $58,198,330 | 1,219 |
| Average total loans | $408,744,330 | 1,028 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 2,370 |
| Cost of funding earning assets | 0.8252% | 3,276 |
| Net interest margin | 4.0399% | 2,333 |
| Noninterest income to average assets | 0.7844% | 2,238 |
| Noninterest expense to average assets | 3.4996% | 1,765 |
| Loan and lease loss provision to assets | 0.2097% | 2,850 |
| Net operating income to assets | 0.7438% | 3,659 |
| Return on assets (ROA) | 0.7501% | 3,858 |
| Pretax return on assets | 0.7501% | 4,606 |
| Return on Equity (ROE) | 7.4106% | 3,556 |
| Retained earnings to average equity (ytd only) | -9.2408% | 6,818 |
| Net charge-offs to loans | 0.0117% | 4,543 |
| Credit loss provision to net charge-offs | 2,500.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 113.6667% | 310 |
| Efficiency ratio | 78.2261% | 2,462 |
| Assets per employee ($millions) | 3.2686% | 5,625 |
| Cash dividends to net income (ytd only)* | 224.6971% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 3,716 |
| Loan loss allowance to noncurrent loans | 118.7386% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 1.2028% | 4,118 |
| Noncurrent loans to loans | 1.3480% | 4,092 |
| Net loans and leases to total assets | 69.0161% | 1,944 |
| Net loans and leases to deposits | 79.4252% | 2,284 |
| Net loans and leases to core deposits | 83.2150% | 2,657 |
| Total domestic deposits to total assets | 86.8945% | 3,022 |
| Equity capital to assets | 9.8655% | 4,295 |
| Core capital (leverage) ratio | 8.3918% | 5,754 |
| Tier 1 risk-based capital ratio | 10.2202% | 6,820 |
| Total risk-based capital ratio | 11.4667% | 6,825 |
| Memoranda: | ||
| Average total assets | $572,172,500 | 1,179 |
| Average earning assets | $519,615,500 | 1,176 |
| Average equity | $57,917,000 | 1,227 |
| Average total loans | $410,635,500 | 1,021 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2457% | 1,889 |
| Cost of funding earning assets | 1.0200% | 3,238 |
| Net interest margin | 4.2258% | 1,973 |
| Noninterest income to average assets | 1.0041% | 1,359 |
| Noninterest expense to average assets | 3.5465% | 1,873 |
| Loan and lease loss provision to assets | 0.1830% | 4,360 |
| Net operating income to assets | 1.1017% | 1,825 |
| Return on assets (ROA) | 1.1082% | 1,916 |
| Pretax return on assets | 1.1082% | 2,808 |
| Return on Equity (ROE) | 10.6859% | 1,805 |
| Retained earnings to average equity (ytd only) | 4.3397% | 3,093 |
| Net charge-offs to loans | 0.2098% | 4,480 |
| Credit loss provision to net charge-offs | 118.6240% | 2,704 |
| Earnings coverage of net charge-offs (x) | 8.3262% | 2,165 |
| Efficiency ratio | 73.0868% | 3,377 |
| Assets per employee ($millions) | 3.2517% | 5,614 |
| Cash dividends to net income (ytd only)* | 59.3889% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 4,052 |
| Loan loss allowance to noncurrent loans | 151.1322% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.9938% | 4,618 |
| Noncurrent loans to loans | 0.9885% | 4,728 |
| Net loans and leases to total assets | 72.3365% | 1,585 |
| Net loans and leases to deposits | 83.9234% | 1,933 |
| Net loans and leases to core deposits | 87.9428% | 2,384 |
| Total domestic deposits to total assets | 86.1934% | 3,202 |
| Equity capital to assets | 10.3848% | 3,676 |
| Core capital (leverage) ratio | 8.7533% | 5,165 |
| Tier 1 risk-based capital ratio | 10.2930% | 6,772 |
| Total risk-based capital ratio | 11.5387% | 6,753 |
| Memoranda: | ||
| Average total assets | $546,362,200 | 1,207 |
| Average earning assets | $494,820,600 | 1,223 |
| Average equity | $56,663,200 | 1,198 |
| Average total loans | $401,774,600 | 1,063 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3425% | 1,706 |
| Cost of funding earning assets | 1.0624% | 3,231 |
| Net interest margin | 4.2801% | 1,791 |
| Noninterest income to average assets | 0.8830% | 1,711 |
| Noninterest expense to average assets | 3.4840% | 1,982 |
| Loan and lease loss provision to assets | 0.1970% | 4,053 |
| Net operating income to assets | 1.0817% | 2,038 |
| Return on assets (ROA) | 1.1026% | 2,101 |
| Pretax return on assets | 1.1026% | 2,997 |
| Return on Equity (ROE) | 10.6351% | 1,976 |
| Retained earnings to average equity (ytd only) | 2.5935% | 4,814 |
| Net charge-offs to loans | 0.2822% | 3,673 |
| Credit loss provision to net charge-offs | 94.8992% | 3,609 |
| Earnings coverage of net charge-offs (x) | 6.1602% | 2,605 |
| Efficiency ratio | 72.8274% | 3,392 |
| Assets per employee ($millions) | 3.1389% | 5,816 |
| Cash dividends to net income (ytd only)* | 75.6140% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4943% | 4,128 |
| Loan loss allowance to noncurrent loans | 213.3925% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.7409% | 5,305 |
| Noncurrent loans to loans | 0.7003% | 5,483 |
| Net loans and leases to total assets | 71.6776% | 1,780 |
| Net loans and leases to deposits | 83.5735% | 2,072 |
| Net loans and leases to core deposits | 87.9984% | 2,490 |
| Total domestic deposits to total assets | 85.7660% | 3,346 |
| Equity capital to assets | 10.4033% | 3,827 |
| Core capital (leverage) ratio | 8.5971% | 5,557 |
| Tier 1 risk-based capital ratio | 10.3224% | 6,850 |
| Total risk-based capital ratio | 11.5651% | 6,839 |
| Memoranda: | ||
| Average total assets | $541,503,750 | 1,224 |
| Average earning assets | $490,845,500 | 1,242 |
| Average equity | $56,139,750 | 1,210 |
| Average total loans | $398,347,250 | 1,079 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3932% | 1,587 |
| Cost of funding earning assets | 1.0935% | 3,293 |
| Net interest margin | 4.2997% | 1,652 |
| Noninterest income to average assets | 0.7415% | 2,310 |
| Noninterest expense to average assets | 3.4812% | 2,030 |
| Loan and lease loss provision to assets | 0.2231% | 3,687 |
| Net operating income to assets | 0.9337% | 2,500 |
| Return on assets (ROA) | 0.9337% | 2,605 |
| Pretax return on assets | 0.9337% | 3,493 |
| Return on Equity (ROE) | 9.0169% | 2,507 |
| Retained earnings to average equity (ytd only) | 3.0918% | 4,306 |
| Net charge-offs to loans | 0.3284% | 3,246 |
| Credit loss provision to net charge-offs | 92.0245% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.7715% | 2,783 |
| Efficiency ratio | 74.7374% | 3,232 |
| Assets per employee ($millions) | 3.1240% | 5,824 |
| Cash dividends to net income (ytd only)* | 65.7109% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 4,067 |
| Loan loss allowance to noncurrent loans | 203.3220% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.8456% | 5,182 |
| Noncurrent loans to loans | 0.7446% | 5,422 |
| Net loans and leases to total assets | 70.5635% | 2,101 |
| Net loans and leases to deposits | 81.8370% | 2,479 |
| Net loans and leases to core deposits | 86.5476% | 2,818 |
| Total domestic deposits to total assets | 86.2244% | 3,202 |
| Equity capital to assets | 10.2957% | 3,756 |
| Core capital (leverage) ratio | 8.7640% | 5,101 |
| Tier 1 risk-based capital ratio | 10.3789% | 6,834 |
| Total risk-based capital ratio | 11.6233% | 6,831 |
| Memoranda: | ||
| Average total assets | $537,855,000 | 1,241 |
| Average earning assets | $487,429,670 | 1,257 |
| Average equity | $55,695,330 | 1,202 |
| Average total loans | $397,133,000 | 1,089 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5011% | 1,296 |
| Cost of funding earning assets | 1.1256% | 3,327 |
| Net interest margin | 4.3755% | 1,349 |
| Noninterest income to average assets | 0.7384% | 2,329 |
| Noninterest expense to average assets | 3.3905% | 2,306 |
| Loan and lease loss provision to assets | 0.3017% | 2,748 |
| Net operating income to assets | 1.0047% | 2,171 |
| Return on assets (ROA) | 1.0047% | 2,221 |
| Pretax return on assets | 1.0047% | 3,119 |
| Return on Equity (ROE) | 9.6736% | 2,224 |
| Retained earnings to average equity (ytd only) | -2.3095% | 6,195 |
| Net charge-offs to loans | 0.6257% | 1,951 |
| Credit loss provision to net charge-offs | 64.3087% | 3,462 |
| Earnings coverage of net charge-offs (x) | 2.7846% | 2,968 |
| Efficiency ratio | 71.9448% | 3,881 |
| Assets per employee ($millions) | 3.1338% | 5,866 |
| Cash dividends to net income (ytd only)* | 123.8739% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 4,169 |
| Loan loss allowance to noncurrent loans | 195.9973% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.9580% | 4,984 |
| Noncurrent loans to loans | 0.7696% | 5,489 |
| Net loans and leases to total assets | 70.9964% | 1,926 |
| Net loans and leases to deposits | 82.4024% | 2,290 |
| Net loans and leases to core deposits | 87.3591% | 2,691 |
| Total domestic deposits to total assets | 86.1581% | 3,429 |
| Equity capital to assets | 10.2419% | 3,478 |
| Core capital (leverage) ratio | 8.6920% | 5,095 |
| Tier 1 risk-based capital ratio | 10.4077% | 6,859 |
| Total risk-based capital ratio | 11.6502% | 6,847 |
| Memoranda: | ||
| Average total assets | $530,307,500 | 1,276 |
| Average earning assets | $479,761,500 | 1,285 |
| Average equity | $55,078,000 | 1,206 |
| Average total loans | $397,610,000 | 1,105 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7843% | 1,318 |
| Cost of funding earning assets | 1.3340% | 3,665 |
| Net interest margin | 4.4503% | 1,348 |
| Noninterest income to average assets | 0.8158% | 2,197 |
| Noninterest expense to average assets | 3.9119% | 1,303 |
| Loan and lease loss provision to assets | 0.3751% | 3,876 |
| Net operating income to assets | 0.4880% | 4,157 |
| Return on assets (ROA) | 0.4880% | 4,316 |
| Pretax return on assets | 0.4880% | 4,664 |
| Return on Equity (ROE) | 4.5312% | 4,283 |
| Retained earnings to average equity (ytd only) | 0.2226% | 5,460 |
| Net charge-offs to loans | 0.3614% | 4,211 |
| Credit loss provision to net charge-offs | 135.4749% | 2,867 |
| Earnings coverage of net charge-offs (x) | 3.1173% | 3,519 |
| Efficiency ratio | 81.6603% | 2,207 |
| Assets per employee ($millions) | 3.1234% | 5,836 |
| Cash dividends to net income (ytd only)* | 95.0872% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 4,124 |
| Loan loss allowance to noncurrent loans | 128.7782% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 1.2391% | 4,541 |
| Noncurrent loans to loans | 1.1488% | 4,811 |
| Net loans and leases to total assets | 76.7794% | 1,130 |
| Net loans and leases to deposits | 90.6214% | 1,447 |
| Net loans and leases to core deposits | 96.3890% | 1,959 |
| Total domestic deposits to total assets | 84.7254% | 3,984 |
| Equity capital to assets | 10.5333% | 3,126 |
| Core capital (leverage) ratio | 8.9076% | 4,680 |
| Tier 1 risk-based capital ratio | 10.3024% | 6,824 |
| Total risk-based capital ratio | 11.5456% | 6,800 |
| Memoranda: | ||
| Average total assets | $517,160,400 | 1,291 |
| Average earning assets | $460,105,000 | 1,331 |
| Average equity | $55,702,400 | 1,196 |
| Average total loans | $396,238,400 | 1,139 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8190% | 1,344 |
| Cost of funding earning assets | 1.3836% | 3,682 |
| Net interest margin | 4.4354% | 1,412 |
| Noninterest income to average assets | 0.7688% | 2,393 |
| Noninterest expense to average assets | 3.5090% | 2,016 |
| Loan and lease loss provision to assets | 0.2432% | 4,653 |
| Net operating income to assets | 0.9465% | 2,425 |
| Return on assets (ROA) | 0.9465% | 2,554 |
| Pretax return on assets | 0.9465% | 3,380 |
| Return on Equity (ROE) | 8.7389% | 2,585 |
| Retained earnings to average equity (ytd only) | 3.0053% | 4,335 |
| Net charge-offs to loans | 0.2307% | 4,552 |
| Credit loss provision to net charge-offs | 138.2353% | 2,887 |
| Earnings coverage of net charge-offs (x) | 6.7618% | 2,455 |
| Efficiency ratio | 74.4039% | 3,241 |
| Assets per employee ($millions) | 3.1385% | 5,832 |
| Cash dividends to net income (ytd only)* | 65.6096% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 4,086 |
| Loan loss allowance to noncurrent loans | 95.5691% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 1.4311% | 4,312 |
| Noncurrent loans to loans | 1.5411% | 4,324 |
| Net loans and leases to total assets | 75.8706% | 1,432 |
| Net loans and leases to deposits | 91.2167% | 1,547 |
| Net loans and leases to core deposits | 95.2229% | 2,351 |
| Total domestic deposits to total assets | 83.1762% | 4,517 |
| Equity capital to assets | 11.2862% | 2,713 |
| Core capital (leverage) ratio | 9.4394% | 4,002 |
| Tier 1 risk-based capital ratio | 10.8777% | 6,486 |
| Total risk-based capital ratio | 12.1204% | 6,467 |
| Memoranda: | ||
| Average total assets | $515,268,750 | 1,307 |
| Average earning assets | $456,562,000 | 1,353 |
| Average equity | $55,810,250 | 1,187 |
| Average total loans | $393,065,000 | 1,157 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8226% | 1,371 |
| Cost of funding earning assets | 1.4372% | 3,626 |
| Net interest margin | 4.3854% | 1,492 |
| Noninterest income to average assets | 0.7470% | 2,415 |
| Noninterest expense to average assets | 3.5110% | 2,003 |
| Loan and lease loss provision to assets | 0.2881% | 4,087 |
| Net operating income to assets | 0.8163% | 2,897 |
| Return on assets (ROA) | 0.8163% | 3,044 |
| Pretax return on assets | 0.8163% | 3,824 |
| Return on Equity (ROE) | 7.6422% | 3,037 |
| Retained earnings to average equity (ytd only) | -0.5148% | 5,852 |
| Net charge-offs to loans | 0.3447% | 3,623 |
| Credit loss provision to net charge-offs | 109.8966% | 3,704 |
| Earnings coverage of net charge-offs (x) | 4.2127% | 3,020 |
| Efficiency ratio | 75.7782% | 3,109 |
| Assets per employee ($millions) | 3.1125% | 5,893 |
| Cash dividends to net income (ytd only)* | 106.7362% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4244% | 4,315 |
| Loan loss allowance to noncurrent loans | 132.1244% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 1.0206% | 5,099 |
| Noncurrent loans to loans | 1.0780% | 5,162 |
| Net loans and leases to total assets | 76.5284% | 1,384 |
| Net loans and leases to deposits | 91.6225% | 1,596 |
| Net loans and leases to core deposits | 95.0540% | 2,582 |
| Total domestic deposits to total assets | 83.5258% | 4,324 |
| Equity capital to assets | 11.0304% | 2,830 |
| Core capital (leverage) ratio | 9.1890% | 4,313 |
| Tier 1 risk-based capital ratio | 10.6161% | 6,596 |
| Total risk-based capital ratio | 11.8540% | 6,604 |
| Memoranda: | ||
| Average total assets | $516,498,330 | 1,308 |
| Average earning assets | $455,602,330 | 1,363 |
| Average equity | $55,167,670 | 1,200 |
| Average total loans | $392,773,000 | 1,171 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7394% | 1,640 |
| Cost of funding earning assets | 1.4780% | 3,701 |
| Net interest margin | 4.2615% | 1,815 |
| Noninterest income to average assets | 0.6794% | 2,742 |
| Noninterest expense to average assets | 3.3999% | 2,237 |
| Loan and lease loss provision to assets | 0.4191% | 2,858 |
| Net operating income to assets | 0.5988% | 3,902 |
| Return on assets (ROA) | 0.5988% | 4,047 |
| Pretax return on assets | 0.5988% | 4,612 |
| Return on Equity (ROE) | 5.6964% | 4,012 |
| Retained earnings to average equity (ytd only) | -8.9098% | 6,888 |
| Net charge-offs to loans | 0.6078% | 2,296 |
| Credit loss provision to net charge-offs | 91.6107% | 3,630 |
| Earnings coverage of net charge-offs (x) | 2.2248% | 3,428 |
| Efficiency ratio | 76.6116% | 3,116 |
| Assets per employee ($millions) | 3.0869% | 6,029 |
| Cash dividends to net income (ytd only)* | 256.4103% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 4,304 |
| Loan loss allowance to noncurrent loans | 127.5430% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 1.0196% | 5,118 |
| Noncurrent loans to loans | 1.1157% | 5,129 |
| Net loans and leases to total assets | 73.8014% | 2,013 |
| Net loans and leases to deposits | 86.3286% | 2,524 |
| Net loans and leases to core deposits | 89.7783% | 3,392 |
| Total domestic deposits to total assets | 85.4890% | 3,422 |
| Equity capital to assets | 10.5074% | 3,238 |
| Core capital (leverage) ratio | 8.7039% | 5,017 |
| Tier 1 risk-based capital ratio | 10.3574% | 6,750 |
| Total risk-based capital ratio | 11.5950% | 6,765 |
| Memoranda: | ||
| Average total assets | $521,081,500 | 1,339 |
| Average earning assets | $457,118,500 | 1,387 |
| Average equity | $54,771,000 | 1,218 |
| Average total loans | $392,228,000 | 1,204 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9806% | 1,943 |
| Cost of funding earning assets | 1.8105% | 3,933 |
| Net interest margin | 4.1701% | 2,180 |
| Noninterest income to average assets | 1.1294% | 1,206 |
| Noninterest expense to average assets | 3.8470% | 1,609 |
| Loan and lease loss provision to assets | 0.1983% | 5,754 |
| Net operating income to assets | 0.7587% | 2,683 |
| Return on assets (ROA) | 0.7587% | 2,779 |
| Pretax return on assets | 0.7587% | 3,383 |
| Return on Equity (ROE) | 7.3327% | 2,647 |
| Retained earnings to average equity (ytd only) | 3.3775% | 2,806 |
| Net charge-offs to loans | 0.1010% | 6,121 |
| Credit loss provision to net charge-offs | 265.8163% | 1,319 |
| Earnings coverage of net charge-offs (x) | 12.8265% | 1,471 |
| Efficiency ratio | 76.0975% | 3,510 |
| Assets per employee ($millions) | 3.2310% | 5,649 |
| Cash dividends to net income (ytd only)* | 53.9388% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 4,282 |
| Loan loss allowance to noncurrent loans | 116.4775% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 1.0631% | 4,971 |
| Noncurrent loans to loans | 1.1939% | 4,947 |
| Net loans and leases to total assets | 74.6162% | 2,113 |
| Net loans and leases to deposits | 88.3139% | 2,508 |
| Net loans and leases to core deposits | 102.2733% | 3,776 |
| Total domestic deposits to total assets | 84.4897% | 3,798 |
| Equity capital to assets | 10.5146% | 3,164 |
| Core capital (leverage) ratio | 8.3591% | 5,519 |
| Tier 1 risk-based capital ratio | 10.3814% | 6,512 |
| Total risk-based capital ratio | 11.6190% | 6,491 |
| Memoranda: | ||
| Average total assets | $525,397,600 | 1,308 |
| Average earning assets | $462,965,600 | 1,359 |
| Average equity | $54,359,000 | 1,212 |
| Average total loans | $388,236,200 | 1,240 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0185% | 1,956 |
| Cost of funding earning assets | 1.8453% | 4,178 |
| Net interest margin | 4.1733% | 2,143 |
| Noninterest income to average assets | 0.8895% | 2,029 |
| Noninterest expense to average assets | 3.6156% | 2,000 |
| Loan and lease loss provision to assets | 0.1262% | 6,089 |
| Net operating income to assets | 0.8115% | 2,762 |
| Return on assets (ROA) | 0.8115% | 2,827 |
| Pretax return on assets | 0.8115% | 3,505 |
| Return on Equity (ROE) | 7.8759% | 2,699 |
| Retained earnings to average equity (ytd only) | 2.5776% | 3,875 |
| Net charge-offs to loans | 0.0584% | 6,120 |
| Credit loss provision to net charge-offs | 294.0828% | 1,412 |
| Earnings coverage of net charge-offs (x) | 21.8519% | 1,185 |
| Efficiency ratio | 78.9036% | 3,011 |
| Assets per employee ($millions) | 3.0039% | 6,153 |
| Cash dividends to net income (ytd only)* | 67.2717% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 4,128 |
| Loan loss allowance to noncurrent loans | 122.2144% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 1.0657% | 4,947 |
| Noncurrent loans to loans | 1.1181% | 5,078 |
| Net loans and leases to total assets | 70.8799% | 3,297 |
| Net loans and leases to deposits | 84.0375% | 3,632 |
| Net loans and leases to core deposits | 97.0821% | 4,693 |
| Total domestic deposits to total assets | 84.3431% | 3,554 |
| Equity capital to assets | 10.3765% | 3,647 |
| Core capital (leverage) ratio | 8.4652% | 5,553 |
| Tier 1 risk-based capital ratio | 10.2949% | 6,686 |
| Total risk-based capital ratio | 11.5086% | 6,669 |
| Memoranda: | ||
| Average total assets | $525,082,500 | 1,323 |
| Average earning assets | $460,987,750 | 1,383 |
| Average equity | $54,104,750 | 1,238 |
| Average total loans | $385,666,750 | 1,265 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0830% | 1,843 |
| Cost of funding earning assets | 1.8823% | 4,360 |
| Net interest margin | 4.2007% | 1,999 |
| Noninterest income to average assets | 0.9023% | 1,982 |
| Noninterest expense to average assets | 3.6697% | 1,899 |
| Loan and lease loss provision to assets | 0.1343% | 5,741 |
| Net operating income to assets | 0.7910% | 2,884 |
| Return on assets (ROA) | 0.7910% | 2,978 |
| Pretax return on assets | 0.7910% | 3,698 |
| Return on Equity (ROE) | 7.6949% | 2,892 |
| Retained earnings to average equity (ytd only) | 2.1135% | 4,169 |
| Net charge-offs to loans | 0.0863% | 5,344 |
| Credit loss provision to net charge-offs | 210.1796% | 2,180 |
| Earnings coverage of net charge-offs (x) | 14.4850% | 1,650 |
| Efficiency ratio | 79.3640% | 3,141 |
| Assets per employee ($millions) | 2.9528% | 6,257 |
| Cash dividends to net income (ytd only)* | 72.5338% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 4,286 |
| Loan loss allowance to noncurrent loans | 729.4540% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 6,333 |
| Noncurrent loans to loans | 0.1780% | 7,073 |
| Net loans and leases to total assets | 74.2675% | 2,631 |
| Net loans and leases to deposits | 88.3763% | 3,115 |
| Net loans and leases to core deposits | 102.1585% | 4,273 |
| Total domestic deposits to total assets | 84.0355% | 3,748 |
| Equity capital to assets | 10.3965% | 3,520 |
| Core capital (leverage) ratio | 8.5285% | 5,392 |
| Tier 1 risk-based capital ratio | 10.1205% | 6,807 |
| Total risk-based capital ratio | 11.2922% | 6,797 |
| Memoranda: | ||
| Average total assets | $522,882,000 | 1,349 |
| Average earning assets | $459,641,330 | 1,404 |
| Average equity | $53,749,670 | 1,255 |
| Average total loans | $386,863,000 | 1,279 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0325% | 2,225 |
| Cost of funding earning assets | 1.9228% | 4,523 |
| Net interest margin | 4.1096% | 2,242 |
| Noninterest income to average assets | 0.8969% | 1,864 |
| Noninterest expense to average assets | 3.3671% | 2,450 |
| Loan and lease loss provision to assets | 0.1342% | 5,242 |
| Net operating income to assets | 0.9930% | 2,339 |
| Return on assets (ROA) | 0.9930% | 2,474 |
| Pretax return on assets | 0.9930% | 3,372 |
| Return on Equity (ROE) | 9.7146% | 2,435 |
| Retained earnings to average equity (ytd only) | -1.4773% | 5,996 |
| Net charge-offs to loans | 0.1611% | 3,674 |
| Credit loss provision to net charge-offs | 113.5484% | 3,421 |
| Earnings coverage of net charge-offs (x) | 9.5355% | 2,049 |
| Efficiency ratio | 74.4103% | 3,749 |
| Assets per employee ($millions) | 2.9267% | 6,352 |
| Cash dividends to net income (ytd only)* | 115.2074% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 4,040 |
| Loan loss allowance to noncurrent loans | 316.6237% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.6451% | 5,551 |
| Noncurrent loans to loans | 0.4125% | 6,391 |
| Net loans and leases to total assets | 72.0935% | 3,224 |
| Net loans and leases to deposits | 86.0078% | 3,630 |
| Net loans and leases to core deposits | 99.3980% | 4,599 |
| Total domestic deposits to total assets | 83.8220% | 3,790 |
| Equity capital to assets | 10.3843% | 3,577 |
| Core capital (leverage) ratio | 8.4323% | 5,657 |
| Tier 1 risk-based capital ratio | 10.1785% | 6,738 |
| Total risk-based capital ratio | 11.3398% | 6,736 |
| Memoranda: | ||
| Average total assets | $524,480,500 | 1,349 |
| Average earning assets | $459,116,500 | 1,414 |
| Average equity | $53,610,000 | 1,259 |
| Average total loans | $384,777,500 | 1,295 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6506% | 2,244 |
| Cost of funding earning assets | 2.3326% | 4,999 |
| Net interest margin | 4.3180% | 1,924 |
| Noninterest income to average assets | 0.8315% | 2,340 |
| Noninterest expense to average assets | 3.4998% | 2,399 |
| Loan and lease loss provision to assets | 0.1170% | 5,880 |
| Net operating income to assets | 1.0812% | 2,222 |
| Return on assets (ROA) | 1.0812% | 2,137 |
| Pretax return on assets | 1.0812% | 3,091 |
| Return on Equity (ROE) | 10.7032% | 2,009 |
| Retained earnings to average equity (ytd only) | 3.0578% | 3,261 |
| Net charge-offs to loans | 0.0812% | 5,606 |
| Credit loss provision to net charge-offs | 192.6282% | 2,547 |
| Earnings coverage of net charge-offs (x) | 19.7308% | 1,610 |
| Efficiency ratio | 73.7581% | 3,624 |
| Assets per employee ($millions) | 3.0333% | 5,976 |
| Cash dividends to net income (ytd only)* | 71.4311% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 4,202 |
| Loan loss allowance to noncurrent loans | 1,304.8000% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.4297% | 5,927 |
| Noncurrent loans to loans | 0.0953% | 7,131 |
| Net loans and leases to total assets | 72.7520% | 3,424 |
| Net loans and leases to deposits | 87.4479% | 3,874 |
| Net loans and leases to core deposits | 100.9222% | 4,730 |
| Total domestic deposits to total assets | 83.1947% | 3,686 |
| Equity capital to assets | 10.0645% | 3,960 |
| Core capital (leverage) ratio | 8.4437% | 5,670 |
| Tier 1 risk-based capital ratio | 9.6827% | 7,107 |
| Total risk-based capital ratio | 10.7784% | 7,197 |
| Memoranda: | ||
| Average total assets | $513,775,400 | 1,312 |
| Average earning assets | $460,048,800 | 1,355 |
| Average equity | $51,900,400 | 1,299 |
| Average total loans | $384,260,000 | 1,260 |