Home > National United > Performance and Condition Ratios
National United, Performance and Condition Ratios
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6072% | 2,618 |
| Cost of funding earning assets | 0.2827% | 3,167 |
| Net interest margin | 3.3245% | 2,314 |
| Noninterest income to average assets | 0.4994% | 2,616 |
| Noninterest expense to average assets | 2.4998% | 2,175 |
| Loan and lease loss provision to assets | 0.0052% | 2,694 |
| Net operating income to assets | 0.9225% | 3,073 |
| Return on assets (ROA) | 0.9225% | 3,144 |
| Pretax return on assets | 1.1510% | 2,984 |
| Return on Equity (ROE) | 9.4707% | 2,864 |
| Retained earnings to average equity (ytd only) | 5.6920% | 3,004 |
| Net charge-offs to loans | -0.0063% | 3,486 |
| Credit loss provision to net charge-offs | -142.8571% | 2,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3755% | 1,882 |
| Assets per employee ($millions) | 5.7987% | 2,800 |
| Cash dividends to net income (ytd only)* | 39.8987% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6717% | 1,115 |
| Loan loss allowance to noncurrent loans | 107.9912% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.8648% | 1,019 |
| Noncurrent loans to loans | 1.5480% | 799 |
| Net loans and leases to total assets | 54.9328% | 3,149 |
| Net loans and leases to deposits | 60.7716% | 3,430 |
| Net loans and leases to core deposits | 62.9546% | 3,500 |
| Total domestic deposits to total assets | 90.3922% | 620 |
| Equity capital to assets | 9.5478% | 3,152 |
| Core capital (leverage) ratio | 9.7032% | 2,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3373% | 1,800 |
| Memoranda: | ||
| Average total assets | $770,475,500 | 1,185 |
| Average earning assets | $731,542,500 | 1,165 |
| Average equity | $75,052,500 | 1,276 |
| Average total loans | $443,307,500 | 1,300 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1357% | 2,323 |
| Cost of funding earning assets | 0.4048% | 3,549 |
| Net interest margin | 3.7309% | 1,700 |
| Noninterest income to average assets | 0.7640% | 1,642 |
| Noninterest expense to average assets | 2.9811% | 1,475 |
| Loan and lease loss provision to assets | 0.1890% | 2,057 |
| Net operating income to assets | 0.9020% | 2,688 |
| Return on assets (ROA) | 0.9020% | 2,824 |
| Pretax return on assets | 1.1201% | 2,621 |
| Return on Equity (ROE) | 8.8185% | 2,463 |
| Retained earnings to average equity (ytd only) | 4.9118% | 2,308 |
| Net charge-offs to loans | 0.0219% | 2,619 |
| Credit loss provision to net charge-offs | 1,397.9167% | 602 |
| Earnings coverage of net charge-offs (x) | 96.8125% | 799 |
| Efficiency ratio | 69.4858% | 2,020 |
| Assets per employee ($millions) | 5.2245% | 3,124 |
| Cash dividends to net income (ytd only)* | 44.3004% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6474% | 1,168 |
| Loan loss allowance to noncurrent loans | 112.7686% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.8661% | 1,156 |
| Noncurrent loans to loans | 1.4609% | 920 |
| Net loans and leases to total assets | 58.3109% | 3,051 |
| Net loans and leases to deposits | 64.8238% | 3,373 |
| Net loans and leases to core deposits | 67.3624% | 3,448 |
| Total domestic deposits to total assets | 89.9529% | 584 |
| Equity capital to assets | 9.9437% | 3,183 |
| Core capital (leverage) ratio | 9.7365% | 2,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9518% | 1,867 |
| Memoranda: | ||
| Average total assets | $709,949,200 | 1,165 |
| Average earning assets | $670,988,000 | 1,150 |
| Average equity | $72,620,400 | 1,257 |
| Average total loans | $439,262,200 | 1,255 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 2,254 |
| Cost of funding earning assets | 0.4247% | 3,672 |
| Net interest margin | 3.8224% | 1,559 |
| Noninterest income to average assets | 0.8457% | 1,360 |
| Noninterest expense to average assets | 2.8866% | 1,734 |
| Loan and lease loss provision to assets | 0.2304% | 1,765 |
| Net operating income to assets | 1.0773% | 2,055 |
| Return on assets (ROA) | 1.0773% | 2,188 |
| Pretax return on assets | 1.3389% | 1,910 |
| Return on Equity (ROE) | 10.4539% | 1,854 |
| Retained earnings to average equity (ytd only) | 6.5173% | 1,881 |
| Net charge-offs to loans | 0.0424% | 2,018 |
| Credit loss provision to net charge-offs | 869.0647% | 922 |
| Earnings coverage of net charge-offs (x) | 59.2158% | 1,107 |
| Efficiency ratio | 64.7826% | 2,628 |
| Assets per employee ($millions) | 5.3474% | 2,838 |
| Cash dividends to net income (ytd only)* | 37.6571% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 1,122 |
| Loan loss allowance to noncurrent loans | 107.1258% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.9166% | 1,244 |
| Noncurrent loans to loans | 1.4857% | 970 |
| Net loans and leases to total assets | 59.2265% | 3,301 |
| Net loans and leases to deposits | 65.9361% | 3,627 |
| Net loans and leases to core deposits | 69.0366% | 3,698 |
| Total domestic deposits to total assets | 89.8241% | 489 |
| Equity capital to assets | 9.9865% | 3,235 |
| Core capital (leverage) ratio | 9.8657% | 2,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7754% | 1,903 |
| Memoranda: | ||
| Average total assets | $699,354,250 | 1,163 |
| Average earning assets | $660,517,500 | 1,148 |
| Average equity | $72,073,250 | 1,251 |
| Average total loans | $437,568,250 | 1,253 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6711% | 1,473 |
| Cost of funding earning assets | 0.4415% | 3,834 |
| Net interest margin | 4.2295% | 857 |
| Noninterest income to average assets | 0.5579% | 2,314 |
| Noninterest expense to average assets | 2.9516% | 1,714 |
| Loan and lease loss provision to assets | 0.2895% | 1,484 |
| Net operating income to assets | 1.0538% | 2,131 |
| Return on assets (ROA) | 1.0538% | 2,265 |
| Pretax return on assets | 1.3100% | 1,996 |
| Return on Equity (ROE) | 10.0735% | 1,957 |
| Retained earnings to average equity (ytd only) | 6.1057% | 2,031 |
| Net charge-offs to loans | 0.0664% | 1,580 |
| Credit loss provision to net charge-offs | 686.8056% | 1,013 |
| Earnings coverage of net charge-offs (x) | 37.9444% | 1,288 |
| Efficiency ratio | 64.8550% | 2,683 |
| Assets per employee ($millions) | 5.0801% | 3,085 |
| Cash dividends to net income (ytd only)* | 39.3889% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5630% | 1,098 |
| Loan loss allowance to noncurrent loans | 101.7577% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.9496% | 1,278 |
| Noncurrent loans to loans | 1.5360% | 983 |
| Net loans and leases to total assets | 59.3957% | 3,384 |
| Net loans and leases to deposits | 66.0846% | 3,714 |
| Net loans and leases to core deposits | 69.0240% | 3,783 |
| Total domestic deposits to total assets | 89.8782% | 437 |
| Equity capital to assets | 9.9596% | 3,247 |
| Core capital (leverage) ratio | 10.1053% | 2,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3637% | 1,673 |
| Memoranda: | ||
| Average total assets | $683,223,333 | 1,171 |
| Average earning assets | $645,035,667 | 1,148 |
| Average equity | $71,474,333 | 1,244 |
| Average total loans | $433,534,000 | 1,247 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6932% | 1,731 |
| Cost of funding earning assets | 0.4693% | 4,071 |
| Net interest margin | 4.2239% | 876 |
| Noninterest income to average assets | 0.6001% | 2,046 |
| Noninterest expense to average assets | 3.1182% | 1,592 |
| Loan and lease loss provision to assets | 0.1822% | 1,640 |
| Net operating income to assets | 1.0382% | 2,045 |
| Return on assets (ROA) | 1.0382% | 2,142 |
| Pretax return on assets | 1.2916% | 1,891 |
| Return on Equity (ROE) | 9.6640% | 1,855 |
| Retained earnings to average equity (ytd only) | 5.6430% | 2,020 |
| Net charge-offs to loans | 0.0738% | 1,288 |
| Credit loss provision to net charge-offs | 378.4810% | 1,039 |
| Earnings coverage of net charge-offs (x) | 30.6203% | 1,172 |
| Efficiency ratio | 67.9050% | 2,682 |
| Assets per employee ($millions) | 4.4470% | 3,338 |
| Cash dividends to net income (ytd only)* | 41.6080% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 1,498 |
| Loan loss allowance to noncurrent loans | 261.0239% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 2,890 |
| Noncurrent loans to loans | 0.5587% | 2,604 |
| Net loans and leases to total assets | 64.0442% | 3,064 |
| Net loans and leases to deposits | 71.8843% | 3,435 |
| Net loans and leases to core deposits | 75.4806% | 3,530 |
| Total domestic deposits to total assets | 89.0935% | 622 |
| Equity capital to assets | 10.7048% | 3,133 |
| Core capital (leverage) ratio | 10.9794% | 2,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1555% | 1,862 |
| Memoranda: | ||
| Average total assets | $656,527,000 | 1,179 |
| Average earning assets | $620,472,000 | 1,150 |
| Average equity | $70,529,500 | 1,251 |
| Average total loans | $428,068,500 | 1,227 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7490% | 2,194 |
| Cost of funding earning assets | 0.5329% | 3,960 |
| Net interest margin | 4.2160% | 1,293 |
| Noninterest income to average assets | 0.6592% | 1,970 |
| Noninterest expense to average assets | 3.2263% | 1,457 |
| Loan and lease loss provision to assets | 0.1872% | 1,100 |
| Net operating income to assets | 0.9874% | 2,889 |
| Return on assets (ROA) | 0.9874% | 2,972 |
| Pretax return on assets | 1.2169% | 2,781 |
| Return on Equity (ROE) | 9.2824% | 2,619 |
| Retained earnings to average equity (ytd only) | 5.0629% | 2,384 |
| Net charge-offs to loans | 0.0287% | 2,825 |
| Credit loss provision to net charge-offs | 1,028.6957% | 334 |
| Earnings coverage of net charge-offs (x) | 77.1739% | 814 |
| Efficiency ratio | 69.6768% | 2,223 |
| Assets per employee ($millions) | 4.1948% | 3,640 |
| Cash dividends to net income (ytd only)* | 45.4575% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 1,380 |
| Loan loss allowance to noncurrent loans | 238.3203% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.4223% | 2,706 |
| Noncurrent loans to loans | 0.6058% | 2,368 |
| Net loans and leases to total assets | 64.4744% | 3,137 |
| Net loans and leases to deposits | 72.4529% | 3,481 |
| Net loans and leases to core deposits | 76.1577% | 3,566 |
| Total domestic deposits to total assets | 88.9880% | 675 |
| Equity capital to assets | 10.7821% | 3,201 |
| Core capital (leverage) ratio | 11.0015% | 2,501 |
| Tier 1 risk-based capital ratio | 13.7529% | 3,388 |
| Total risk-based capital ratio | 14.9597% | 3,313 |
| Memoranda: | ||
| Average total assets | $632,089,400 | 1,178 |
| Average earning assets | $595,368,600 | 1,162 |
| Average equity | $67,234,800 | 1,261 |
| Average total loans | $400,094,400 | 1,268 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7332% | 2,315 |
| Cost of funding earning assets | 0.5385% | 3,988 |
| Net interest margin | 4.1947% | 1,389 |
| Noninterest income to average assets | 0.6713% | 1,911 |
| Noninterest expense to average assets | 3.2677% | 1,334 |
| Loan and lease loss provision to assets | 0.2062% | 854 |
| Net operating income to assets | 0.9294% | 3,232 |
| Return on assets (ROA) | 0.9294% | 3,310 |
| Pretax return on assets | 1.1409% | 3,164 |
| Return on Equity (ROE) | 8.7686% | 2,977 |
| Retained earnings to average equity (ytd only) | 4.5104% | 3,138 |
| Net charge-offs to loans | 0.0267% | 2,558 |
| Credit loss provision to net charge-offs | 1,230.3797% | 294 |
| Earnings coverage of net charge-offs (x) | 80.3930% | 857 |
| Efficiency ratio | 70.8094% | 1,999 |
| Assets per employee ($millions) | 4.0290% | 3,860 |
| Cash dividends to net income (ytd only)* | 48.5623% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 1,395 |
| Loan loss allowance to noncurrent loans | 247.3706% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5350% | 2,404 |
| Noncurrent loans to loans | 0.5866% | 2,526 |
| Net loans and leases to total assets | 62.4451% | 3,449 |
| Net loans and leases to deposits | 70.0440% | 3,770 |
| Net loans and leases to core deposits | 73.5418% | 3,855 |
| Total domestic deposits to total assets | 89.1512% | 568 |
| Equity capital to assets | 10.6225% | 3,443 |
| Core capital (leverage) ratio | 10.7876% | 2,850 |
| Tier 1 risk-based capital ratio | 13.6765% | 3,491 |
| Total risk-based capital ratio | 14.8620% | 3,428 |
| Memoranda: | ||
| Average total assets | $628,610,500 | 1,184 |
| Average earning assets | $590,959,750 | 1,168 |
| Average equity | $66,630,250 | 1,271 |
| Average total loans | $394,465,750 | 1,291 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6795% | 2,426 |
| Cost of funding earning assets | 0.5306% | 3,982 |
| Net interest margin | 4.1489% | 1,492 |
| Noninterest income to average assets | 0.6514% | 1,910 |
| Noninterest expense to average assets | 3.3007% | 1,284 |
| Loan and lease loss provision to assets | 0.2397% | 653 |
| Net operating income to assets | 0.8298% | 3,545 |
| Return on assets (ROA) | 0.8298% | 3,607 |
| Pretax return on assets | 1.0124% | 3,499 |
| Return on Equity (ROE) | 7.8346% | 3,359 |
| Retained earnings to average equity (ytd only) | 3.5386% | 3,474 |
| Net charge-offs to loans | 0.0236% | 2,374 |
| Credit loss provision to net charge-offs | 1,623.9130% | 228 |
| Earnings coverage of net charge-offs (x) | 84.8261% | 781 |
| Efficiency ratio | 72.4979% | 1,842 |
| Assets per employee ($millions) | 3.9455% | 3,944 |
| Cash dividends to net income (ytd only)* | 54.8337% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 1,486 |
| Loan loss allowance to noncurrent loans | 151.2395% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.6777% | 2,023 |
| Noncurrent loans to loans | 0.9467% | 1,719 |
| Net loans and leases to total assets | 62.5415% | 3,489 |
| Net loans and leases to deposits | 70.1598% | 3,830 |
| Net loans and leases to core deposits | 73.6842% | 3,910 |
| Total domestic deposits to total assets | 89.1415% | 610 |
| Equity capital to assets | 10.7010% | 3,342 |
| Core capital (leverage) ratio | 10.5763% | 3,005 |
| Tier 1 risk-based capital ratio | 14.2048% | 3,205 |
| Total risk-based capital ratio | 15.4155% | 3,151 |
| Memoranda: | ||
| Average total assets | $623,266,330 | 1,188 |
| Average earning assets | $586,087,330 | 1,172 |
| Average equity | $66,014,670 | 1,276 |
| Average total loans | $389,796,000 | 1,306 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6115% | 2,493 |
| Cost of funding earning assets | 0.4905% | 4,104 |
| Net interest margin | 4.1211% | 1,497 |
| Noninterest income to average assets | 0.6427% | 1,846 |
| Noninterest expense to average assets | 3.2536% | 1,378 |
| Loan and lease loss provision to assets | 0.2881% | 461 |
| Net operating income to assets | 0.8029% | 3,610 |
| Return on assets (ROA) | 0.8029% | 3,653 |
| Pretax return on assets | 0.9760% | 3,520 |
| Return on Equity (ROE) | 7.6204% | 3,416 |
| Retained earnings to average equity (ytd only) | 3.2738% | 3,614 |
| Net charge-offs to loans | 0.0042% | 2,568 |
| Credit loss provision to net charge-offs | 11,150.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 489.2500% | 159 |
| Efficiency ratio | 72.0189% | 2,043 |
| Assets per employee ($millions) | 3.9656% | 3,976 |
| Cash dividends to net income (ytd only)* | 57.0394% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 1,671 |
| Loan loss allowance to noncurrent loans | 189.8094% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 2,477 |
| Noncurrent loans to loans | 0.7386% | 2,177 |
| Net loans and leases to total assets | 60.7016% | 3,640 |
| Net loans and leases to deposits | 67.8375% | 3,942 |
| Net loans and leases to core deposits | 70.4548% | 4,059 |
| Total domestic deposits to total assets | 89.4808% | 651 |
| Equity capital to assets | 10.3875% | 3,432 |
| Core capital (leverage) ratio | 10.8664% | 2,694 |
| Tier 1 risk-based capital ratio | 14.3385% | 3,178 |
| Total risk-based capital ratio | 15.5164% | 3,140 |
| Memoranda: | ||
| Average total assets | $619,261,000 | 1,196 |
| Average earning assets | $582,278,500 | 1,182 |
| Average equity | $65,245,500 | 1,278 |
| Average total loans | $384,421,500 | 1,328 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2445% | 3,299 |
| Cost of funding earning assets | 0.3564% | 4,243 |
| Net interest margin | 3.8881% | 2,365 |
| Noninterest income to average assets | 0.7404% | 1,691 |
| Noninterest expense to average assets | 3.0979% | 1,801 |
| Loan and lease loss provision to assets | 0.2436% | 713 |
| Net operating income to assets | 0.9019% | 3,431 |
| Return on assets (ROA) | 0.9019% | 3,425 |
| Pretax return on assets | 1.0670% | 3,383 |
| Return on Equity (ROE) | 8.8801% | 3,049 |
| Retained earnings to average equity (ytd only) | 4.7757% | 2,906 |
| Net charge-offs to loans | 0.3247% | 596 |
| Credit loss provision to net charge-offs | 130.4836% | 2,024 |
| Earnings coverage of net charge-offs (x) | 7.0207% | 3,020 |
| Efficiency ratio | 70.2720% | 2,135 |
| Assets per employee ($millions) | 3.8720% | 4,068 |
| Cash dividends to net income (ytd only)* | 46.2198% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 1,901 |
| Loan loss allowance to noncurrent loans | 116.2587% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.7973% | 1,749 |
| Noncurrent loans to loans | 1.1448% | 1,403 |
| Net loans and leases to total assets | 61.7828% | 3,589 |
| Net loans and leases to deposits | 69.3113% | 3,875 |
| Net loans and leases to core deposits | 71.7233% | 4,008 |
| Total domestic deposits to total assets | 89.1381% | 803 |
| Equity capital to assets | 10.6921% | 2,998 |
| Core capital (leverage) ratio | 10.8090% | 2,732 |
| Tier 1 risk-based capital ratio | 14.6432% | 2,994 |
| Total risk-based capital ratio | 15.7580% | 2,971 |
| Memoranda: | ||
| Average total assets | $620,347,600 | 1,166 |
| Average earning assets | $585,249,800 | 1,143 |
| Average equity | $63,006,000 | 1,268 |
| Average total loans | $356,600,800 | 1,380 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1322% | 3,525 |
| Cost of funding earning assets | 0.3357% | 4,270 |
| Net interest margin | 3.7965% | 2,661 |
| Noninterest income to average assets | 0.7544% | 1,656 |
| Noninterest expense to average assets | 3.0696% | 1,838 |
| Loan and lease loss provision to assets | 0.1691% | 1,108 |
| Net operating income to assets | 0.9340% | 3,378 |
| Return on assets (ROA) | 0.9340% | 3,383 |
| Pretax return on assets | 1.0990% | 3,406 |
| Return on Equity (ROE) | 9.3143% | 2,951 |
| Retained earnings to average equity (ytd only) | 5.3173% | 3,050 |
| Net charge-offs to loans | 0.0748% | 1,778 |
| Credit loss provision to net charge-offs | 402.0305% | 819 |
| Earnings coverage of net charge-offs (x) | 30.1472% | 1,603 |
| Efficiency ratio | 70.7654% | 2,079 |
| Assets per employee ($millions) | 4.0483% | 3,807 |
| Cash dividends to net income (ytd only)* | 42.9126% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 1,558 |
| Loan loss allowance to noncurrent loans | 415.7604% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.2320% | 3,790 |
| Noncurrent loans to loans | 0.3462% | 3,414 |
| Net loans and leases to total assets | 58.3361% | 3,999 |
| Net loans and leases to deposits | 65.1495% | 4,261 |
| Net loans and leases to core deposits | 67.4143% | 4,326 |
| Total domestic deposits to total assets | 89.5420% | 662 |
| Equity capital to assets | 10.2746% | 3,365 |
| Core capital (leverage) ratio | 10.6342% | 2,949 |
| Tier 1 risk-based capital ratio | 14.7881% | 2,978 |
| Total risk-based capital ratio | 15.9772% | 2,930 |
| Memoranda: | ||
| Average total assets | $624,428,000 | 1,166 |
| Average earning assets | $589,365,750 | 1,139 |
| Average equity | $62,611,750 | 1,280 |
| Average total loans | $351,196,500 | 1,398 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0078% | 3,765 |
| Cost of funding earning assets | 0.3149% | 4,315 |
| Net interest margin | 3.6929% | 2,959 |
| Noninterest income to average assets | 0.6430% | 2,125 |
| Noninterest expense to average assets | 3.0142% | 2,007 |
| Loan and lease loss provision to assets | 0.1792% | 1,002 |
| Net operating income to assets | 0.7919% | 3,881 |
| Return on assets (ROA) | 0.7919% | 3,882 |
| Pretax return on assets | 0.9407% | 3,840 |
| Return on Equity (ROE) | 7.9622% | 3,521 |
| Retained earnings to average equity (ytd only) | 4.2108% | 3,499 |
| Net charge-offs to loans | 0.0774% | 1,551 |
| Credit loss provision to net charge-offs | 418.6567% | 796 |
| Earnings coverage of net charge-offs (x) | 26.1642% | 1,610 |
| Efficiency ratio | 72.9099% | 1,863 |
| Assets per employee ($millions) | 4.0938% | 3,740 |
| Cash dividends to net income (ytd only)* | 47.1158% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 1,594 |
| Loan loss allowance to noncurrent loans | 918.7050% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 4,418 |
| Noncurrent loans to loans | 0.1568% | 4,202 |
| Net loans and leases to total assets | 56.1532% | 4,153 |
| Net loans and leases to deposits | 62.5200% | 4,387 |
| Net loans and leases to core deposits | 64.6906% | 4,450 |
| Total domestic deposits to total assets | 89.8164% | 627 |
| Equity capital to assets | 10.0613% | 3,565 |
| Core capital (leverage) ratio | 10.1958% | 3,361 |
| Tier 1 risk-based capital ratio | 15.4255% | 2,674 |
| Total risk-based capital ratio | 16.6485% | 2,615 |
| Memoranda: | ||
| Average total assets | $626,107,330 | 1,164 |
| Average earning assets | $591,896,670 | 1,133 |
| Average equity | $62,269,000 | 1,283 |
| Average total loans | $346,060,670 | 1,423 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8888% | 3,962 |
| Cost of funding earning assets | 0.2733% | 4,557 |
| Net interest margin | 3.6155% | 3,115 |
| Noninterest income to average assets | 0.5770% | 2,381 |
| Noninterest expense to average assets | 3.0221% | 2,021 |
| Loan and lease loss provision to assets | 0.2599% | 555 |
| Net operating income to assets | 0.6146% | 4,379 |
| Return on assets (ROA) | 0.6146% | 4,389 |
| Pretax return on assets | 0.7159% | 4,395 |
| Return on Equity (ROE) | 6.2158% | 4,090 |
| Retained earnings to average equity (ytd only) | 3.2593% | 3,904 |
| Net charge-offs to loans | 0.1580% | 894 |
| Credit loss provision to net charge-offs | 302.2222% | 806 |
| Earnings coverage of net charge-offs (x) | 11.3481% | 1,851 |
| Efficiency ratio | 75.5934% | 1,654 |
| Assets per employee ($millions) | 4.1366% | 3,751 |
| Cash dividends to net income (ytd only)* | 47.5648% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 1,812 |
| Loan loss allowance to noncurrent loans | 824.2928% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 4,449 |
| Noncurrent loans to loans | 0.1707% | 4,212 |
| Net loans and leases to total assets | 54.4955% | 4,242 |
| Net loans and leases to deposits | 60.4299% | 4,444 |
| Net loans and leases to core deposits | 62.5004% | 4,522 |
| Total domestic deposits to total assets | 90.1796% | 590 |
| Equity capital to assets | 9.7259% | 3,862 |
| Core capital (leverage) ratio | 10.4897% | 2,953 |
| Tier 1 risk-based capital ratio | 14.5752% | 3,082 |
| Total risk-based capital ratio | 15.7101% | 3,051 |
| Memoranda: | ||
| Average total assets | $628,033,500 | 1,167 |
| Average earning assets | $594,222,500 | 1,140 |
| Average equity | $62,100,000 | 1,289 |
| Average total loans | $341,829,000 | 1,440 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5784% | 4,616 |
| Cost of funding earning assets | 0.2758% | 4,354 |
| Net interest margin | 3.3026% | 4,156 |
| Noninterest income to average assets | 0.6262% | 2,327 |
| Noninterest expense to average assets | 2.8348% | 2,666 |
| Loan and lease loss provision to assets | 0.0753% | 2,695 |
| Net operating income to assets | 0.5214% | 4,320 |
| Return on assets (ROA) | 0.5217% | 4,352 |
| Pretax return on assets | 0.8354% | 4,140 |
| Return on Equity (ROE) | 5.2913% | 4,047 |
| Retained earnings to average equity (ytd only) | 0.7766% | 4,728 |
| Net charge-offs to loans | 0.4368% | 558 |
| Credit loss provision to net charge-offs | 34.5324% | 3,495 |
| Earnings coverage of net charge-offs (x) | 4.1734% | 3,507 |
| Efficiency ratio | 75.6955% | 1,668 |
| Assets per employee ($millions) | 4.1826% | 3,685 |
| Cash dividends to net income (ytd only)* | 85.3233% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 1,717 |
| Loan loss allowance to noncurrent loans | 778.8686% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 4,440 |
| Noncurrent loans to loans | 0.1813% | 4,196 |
| Net loans and leases to total assets | 52.8030% | 4,459 |
| Net loans and leases to deposits | 58.7959% | 4,653 |
| Net loans and leases to core deposits | 61.0616% | 4,707 |
| Total domestic deposits to total assets | 89.8074% | 640 |
| Equity capital to assets | 10.0548% | 3,637 |
| Core capital (leverage) ratio | 10.0929% | 3,333 |
| Tier 1 risk-based capital ratio | 13.5482% | 3,603 |
| Total risk-based capital ratio | 14.5531% | 3,657 |
| Memoranda: | ||
| Average total assets | $637,334,000 | 1,138 |
| Average earning assets | $601,862,800 | 1,112 |
| Average equity | $62,839,400 | 1,260 |
| Average total loans | $318,235,000 | 1,489 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5230% | 4,762 |
| Cost of funding earning assets | 0.2761% | 4,350 |
| Net interest margin | 3.2469% | 4,334 |
| Noninterest income to average assets | 0.6690% | 2,130 |
| Noninterest expense to average assets | 2.7621% | 2,853 |
| Loan and lease loss provision to assets | 0.0675% | 2,720 |
| Net operating income to assets | 0.6756% | 4,097 |
| Return on assets (ROA) | 0.6761% | 4,155 |
| Pretax return on assets | 0.9056% | 4,022 |
| Return on Equity (ROE) | 6.8899% | 3,726 |
| Retained earnings to average equity (ytd only) | 2.3856% | 4,456 |
| Net charge-offs to loans | 0.5555% | 358 |
| Credit loss provision to net charge-offs | 24.7713% | 3,122 |
| Earnings coverage of net charge-offs (x) | 3.5686% | 3,325 |
| Efficiency ratio | 73.9600% | 1,898 |
| Assets per employee ($millions) | 4.2578% | 3,549 |
| Cash dividends to net income (ytd only)* | 65.3763% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 1,676 |
| Loan loss allowance to noncurrent loans | 571.2159% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 4,434 |
| Noncurrent loans to loans | 0.2556% | 4,047 |
| Net loans and leases to total assets | 48.3363% | 4,807 |
| Net loans and leases to deposits | 53.7511% | 4,977 |
| Net loans and leases to core deposits | 56.1517% | 4,996 |
| Total domestic deposits to total assets | 89.9262% | 497 |
| Equity capital to assets | 9.9189% | 4,015 |
| Core capital (leverage) ratio | 10.0587% | 3,494 |
| Tier 1 risk-based capital ratio | 16.4285% | 2,345 |
| Total risk-based capital ratio | 17.6146% | 2,312 |
| Memoranda: | ||
| Average total assets | $641,911,250 | 1,141 |
| Average earning assets | $606,064,750 | 1,110 |
| Average equity | $62,988,750 | 1,264 |
| Average total loans | $314,907,500 | 1,512 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5143% | 4,730 |
| Cost of funding earning assets | 0.2771% | 4,315 |
| Net interest margin | 3.2371% | 4,299 |
| Noninterest income to average assets | 0.6397% | 2,260 |
| Noninterest expense to average assets | 2.7610% | 2,888 |
| Loan and lease loss provision to assets | 0.0608% | 2,747 |
| Net operating income to assets | 0.6534% | 4,063 |
| Return on assets (ROA) | 0.6534% | 4,120 |
| Pretax return on assets | 0.8729% | 4,022 |
| Return on Equity (ROE) | 6.6828% | 3,730 |
| Retained earnings to average equity (ytd only) | 2.1617% | 4,385 |
| Net charge-offs to loans | 0.7053% | 276 |
| Credit loss provision to net charge-offs | 17.5676% | 2,804 |
| Earnings coverage of net charge-offs (x) | 2.6982% | 3,137 |
| Efficiency ratio | 74.7300% | 1,892 |
| Assets per employee ($millions) | 4.3395% | 3,363 |
| Cash dividends to net income (ytd only)* | 67.6527% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 1,446 |
| Loan loss allowance to noncurrent loans | 479.5897% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1783% | 4,466 |
| Noncurrent loans to loans | 0.3204% | 3,884 |
| Net loans and leases to total assets | 46.6509% | 4,906 |
| Net loans and leases to deposits | 51.8197% | 5,064 |
| Net loans and leases to core deposits | 53.9628% | 5,093 |
| Total domestic deposits to total assets | 90.0254% | 529 |
| Equity capital to assets | 9.8537% | 4,084 |
| Core capital (leverage) ratio | 9.9037% | 3,652 |
| Tier 1 risk-based capital ratio | 16.7891% | 2,203 |
| Total risk-based capital ratio | 18.0293% | 2,172 |
| Memoranda: | ||
| Average total assets | $641,574,000 | 1,142 |
| Average earning assets | $605,476,330 | 1,119 |
| Average equity | $62,728,000 | 1,267 |
| Average total loans | $314,753,670 | 1,511 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5294% | 4,608 |
| Cost of funding earning assets | 0.2750% | 4,304 |
| Net interest margin | 3.2545% | 4,152 |
| Noninterest income to average assets | 0.6238% | 2,301 |
| Noninterest expense to average assets | 2.7266% | 3,044 |
| Loan and lease loss provision to assets | 0.1060% | 1,802 |
| Net operating income to assets | 0.6456% | 3,948 |
| Return on assets (ROA) | 0.6456% | 3,986 |
| Pretax return on assets | 0.8627% | 3,889 |
| Return on Equity (ROE) | 6.6294% | 3,591 |
| Retained earnings to average equity (ytd only) | 2.0881% | 4,309 |
| Net charge-offs to loans | 1.2926% | 132 |
| Credit loss provision to net charge-offs | 16.4410% | 2,189 |
| Earnings coverage of net charge-offs (x) | 1.5019% | 2,719 |
| Efficiency ratio | 73.7846% | 2,266 |
| Assets per employee ($millions) | 4.4773% | 3,202 |
| Cash dividends to net income (ytd only)* | 68.5024% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4851% | 1,746 |
| Loan loss allowance to noncurrent loans | 208.6055% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.3754% | 3,699 |
| Noncurrent loans to loans | 0.7119% | 2,715 |
| Net loans and leases to total assets | 48.2992% | 4,800 |
| Net loans and leases to deposits | 53.5290% | 4,963 |
| Net loans and leases to core deposits | 55.5294% | 5,002 |
| Total domestic deposits to total assets | 90.2301% | 568 |
| Equity capital to assets | 9.6505% | 4,124 |
| Core capital (leverage) ratio | 9.9521% | 3,565 |
| Tier 1 risk-based capital ratio | 15.9708% | 2,557 |
| Total risk-based capital ratio | 17.1700% | 2,529 |
| Memoranda: | ||
| Average total assets | $641,239,500 | 1,141 |
| Average earning assets | $605,197,500 | 1,120 |
| Average equity | $62,449,500 | 1,269 |
| Average total loans | $319,986,500 | 1,499 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6716% | 4,302 |
| Cost of funding earning assets | 0.2761% | 4,298 |
| Net interest margin | 3.3955% | 3,840 |
| Noninterest income to average assets | 0.8440% | 1,602 |
| Noninterest expense to average assets | 2.8141% | 2,979 |
| Loan and lease loss provision to assets | 0.0461% | 3,467 |
| Net operating income to assets | 0.8934% | 2,862 |
| Return on assets (ROA) | 0.8934% | 2,979 |
| Pretax return on assets | 1.1747% | 2,781 |
| Return on Equity (ROE) | 8.8043% | 2,514 |
| Retained earnings to average equity (ytd only) | 4.2026% | 2,917 |
| Net charge-offs to loans | 0.1583% | 1,692 |
| Credit loss provision to net charge-offs | 52.9301% | 3,343 |
| Earnings coverage of net charge-offs (x) | 14.0170% | 2,323 |
| Efficiency ratio | 69.7433% | 2,949 |
| Assets per employee ($millions) | 4.2218% | 3,587 |
| Cash dividends to net income (ytd only)* | 52.2669% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 1,062 |
| Loan loss allowance to noncurrent loans | 230.7470% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.4163% | 3,602 |
| Noncurrent loans to loans | 0.7532% | 2,648 |
| Net loans and leases to total assets | 49.9143% | 4,767 |
| Net loans and leases to deposits | 55.4225% | 4,948 |
| Net loans and leases to core deposits | 57.4447% | 4,998 |
| Total domestic deposits to total assets | 90.0613% | 609 |
| Equity capital to assets | 9.8294% | 3,908 |
| Core capital (leverage) ratio | 9.9918% | 3,490 |
| Tier 1 risk-based capital ratio | 15.4294% | 2,774 |
| Total risk-based capital ratio | 16.6812% | 2,712 |
| Memoranda: | ||
| Average total assets | $607,366,400 | 1,156 |
| Average earning assets | $570,792,800 | 1,135 |
| Average equity | $61,629,000 | 1,266 |
| Average total loans | $334,197,000 | 1,395 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7488% | 4,086 |
| Cost of funding earning assets | 0.2750% | 4,339 |
| Net interest margin | 3.4738% | 3,566 |
| Noninterest income to average assets | 0.9197% | 1,347 |
| Noninterest expense to average assets | 2.8686% | 2,745 |
| Loan and lease loss provision to assets | 0.0621% | 2,987 |
| Net operating income to assets | 0.9412% | 2,697 |
| Return on assets (ROA) | 0.9412% | 2,827 |
| Pretax return on assets | 1.2517% | 2,613 |
| Return on Equity (ROE) | 9.2003% | 2,400 |
| Retained earnings to average equity (ytd only) | 4.5850% | 3,089 |
| Net charge-offs to loans | 0.1162% | 1,789 |
| Credit loss provision to net charge-offs | 95.2381% | 2,453 |
| Earnings coverage of net charge-offs (x) | 20.1395% | 1,891 |
| Efficiency ratio | 68.5872% | 3,125 |
| Assets per employee ($millions) | 4.2049% | 3,581 |
| Cash dividends to net income (ytd only)* | 50.1650% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7804% | 1,046 |
| Loan loss allowance to noncurrent loans | 257.6736% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 3,742 |
| Noncurrent loans to loans | 0.6910% | 2,961 |
| Net loans and leases to total assets | 51.6446% | 4,682 |
| Net loans and leases to deposits | 57.5245% | 4,902 |
| Net loans and leases to core deposits | 59.6575% | 4,951 |
| Total domestic deposits to total assets | 89.7784% | 565 |
| Equity capital to assets | 10.0699% | 4,072 |
| Core capital (leverage) ratio | 10.2635% | 3,264 |
| Tier 1 risk-based capital ratio | 15.0921% | 3,003 |
| Total risk-based capital ratio | 16.3441% | 2,941 |
| Memoranda: | ||
| Average total assets | $600,890,000 | 1,166 |
| Average earning assets | $564,361,250 | 1,149 |
| Average equity | $61,474,500 | 1,277 |
| Average total loans | $337,325,250 | 1,389 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8099% | 3,921 |
| Cost of funding earning assets | 0.2726% | 4,416 |
| Net interest margin | 3.5373% | 3,340 |
| Noninterest income to average assets | 1.0257% | 1,064 |
| Noninterest expense to average assets | 2.9811% | 2,407 |
| Loan and lease loss provision to assets | 0.0640% | 2,865 |
| Net operating income to assets | 1.0220% | 2,285 |
| Return on assets (ROA) | 1.0220% | 2,425 |
| Pretax return on assets | 1.2979% | 2,416 |
| Return on Equity (ROE) | 9.9351% | 2,079 |
| Retained earnings to average equity (ytd only) | 5.2917% | 2,551 |
| Net charge-offs to loans | 0.0740% | 2,128 |
| Credit loss provision to net charge-offs | 150.7937% | 1,579 |
| Earnings coverage of net charge-offs (x) | 32.0873% | 1,347 |
| Efficiency ratio | 68.6419% | 3,218 |
| Assets per employee ($millions) | 4.0132% | 3,875 |
| Cash dividends to net income (ytd only)* | 46.7370% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7342% | 1,203 |
| Loan loss allowance to noncurrent loans | 174.4681% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 3,239 |
| Noncurrent loans to loans | 0.9940% | 2,295 |
| Net loans and leases to total assets | 54.8436% | 4,425 |
| Net loans and leases to deposits | 61.1718% | 4,719 |
| Net loans and leases to core deposits | 63.5137% | 4,777 |
| Total domestic deposits to total assets | 89.6550% | 615 |
| Equity capital to assets | 10.1983% | 3,979 |
| Core capital (leverage) ratio | 10.3800% | 3,100 |
| Tier 1 risk-based capital ratio | 15.0767% | 3,045 |
| Total risk-based capital ratio | 16.3290% | 2,978 |
| Memoranda: | ||
| Average total assets | $593,742,670 | 1,186 |
| Average earning assets | $556,809,330 | 1,165 |
| Average equity | $61,076,670 | 1,284 |
| Average total loans | $340,691,330 | 1,370 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8780% | 3,668 |
| Cost of funding earning assets | 0.2726% | 4,471 |
| Net interest margin | 3.6055% | 3,061 |
| Noninterest income to average assets | 0.9009% | 1,311 |
| Noninterest expense to average assets | 3.1379% | 1,996 |
| Loan and lease loss provision to assets | 0.0615% | 2,711 |
| Net operating income to assets | 0.7739% | 3,379 |
| Return on assets (ROA) | 0.7739% | 3,481 |
| Pretax return on assets | 1.0895% | 3,134 |
| Return on Equity (ROE) | 7.4897% | 3,191 |
| Retained earnings to average equity (ytd only) | 2.8028% | 4,116 |
| Net charge-offs to loans | 0.0692% | 1,789 |
| Credit loss provision to net charge-offs | 152.5424% | 1,261 |
| Earnings coverage of net charge-offs (x) | 28.5593% | 1,211 |
| Efficiency ratio | 73.1645% | 2,610 |
| Assets per employee ($millions) | 3.8483% | 4,211 |
| Cash dividends to net income (ytd only)* | 62.5772% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7143% | 1,324 |
| Loan loss allowance to noncurrent loans | 331.3205% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3572% | 4,141 |
| Noncurrent loans to loans | 0.5174% | 3,636 |
| Net loans and leases to total assets | 56.7965% | 4,173 |
| Net loans and leases to deposits | 63.4070% | 4,479 |
| Net loans and leases to core deposits | 65.8101% | 4,544 |
| Total domestic deposits to total assets | 89.5745% | 801 |
| Equity capital to assets | 10.2696% | 3,775 |
| Core capital (leverage) ratio | 10.4722% | 3,004 |
| Tier 1 risk-based capital ratio | 14.3003% | 3,495 |
| Total risk-based capital ratio | 15.5520% | 3,427 |
| Memoranda: | ||
| Average total assets | $585,613,000 | 1,205 |
| Average earning assets | $550,277,000 | 1,179 |
| Average equity | $60,510,000 | 1,290 |
| Average total loans | $340,811,500 | 1,365 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9991% | 3,310 |
| Cost of funding earning assets | 0.2872% | 4,395 |
| Net interest margin | 3.7119% | 2,704 |
| Noninterest income to average assets | 0.7344% | 2,046 |
| Noninterest expense to average assets | 2.9079% | 2,833 |
| Loan and lease loss provision to assets | 0.1772% | 1,280 |
| Net operating income to assets | 0.8251% | 3,223 |
| Return on assets (ROA) | 0.8251% | 3,304 |
| Pretax return on assets | 1.1283% | 2,931 |
| Return on Equity (ROE) | 8.0890% | 2,909 |
| Retained earnings to average equity (ytd only) | 3.3157% | 3,691 |
| Net charge-offs to loans | 0.4821% | 555 |
| Credit loss provision to net charge-offs | 61.5385% | 3,244 |
| Earnings coverage of net charge-offs (x) | 4.5343% | 3,539 |
| Efficiency ratio | 69.0164% | 3,397 |
| Assets per employee ($millions) | 3.6853% | 4,503 |
| Cash dividends to net income (ytd only)* | 59.0096% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7219% | 1,308 |
| Loan loss allowance to noncurrent loans | 230.0118% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 3,616 |
| Noncurrent loans to loans | 0.7486% | 2,934 |
| Net loans and leases to total assets | 57.6082% | 4,137 |
| Net loans and leases to deposits | 64.3815% | 4,441 |
| Net loans and leases to core deposits | 66.9028% | 4,514 |
| Total domestic deposits to total assets | 89.4795% | 869 |
| Equity capital to assets | 10.3975% | 3,493 |
| Core capital (leverage) ratio | 10.4316% | 3,019 |
| Tier 1 risk-based capital ratio | 15.2766% | 3,046 |
| Total risk-based capital ratio | 16.5295% | 2,982 |
| Memoranda: | ||
| Average total assets | $582,480,800 | 1,173 |
| Average earning assets | $545,920,000 | 1,160 |
| Average equity | $59,414,000 | 1,273 |
| Average total loans | $347,870,800 | 1,296 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0430% | 3,156 |
| Cost of funding earning assets | 0.2894% | 4,456 |
| Net interest margin | 3.7536% | 2,547 |
| Noninterest income to average assets | 0.7466% | 2,041 |
| Noninterest expense to average assets | 2.9264% | 2,758 |
| Loan and lease loss provision to assets | 0.2356% | 764 |
| Net operating income to assets | 0.8160% | 3,352 |
| Return on assets (ROA) | 0.8160% | 3,440 |
| Pretax return on assets | 1.0973% | 3,235 |
| Return on Equity (ROE) | 8.0388% | 3,056 |
| Retained earnings to average equity (ytd only) | 3.2484% | 4,147 |
| Net charge-offs to loans | 0.5786% | 390 |
| Credit loss provision to net charge-offs | 67.8736% | 2,803 |
| Earnings coverage of net charge-offs (x) | 3.8400% | 3,447 |
| Efficiency ratio | 68.7054% | 3,417 |
| Assets per employee ($millions) | 3.6479% | 4,524 |
| Cash dividends to net income (ytd only)* | 59.5912% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7794% | 1,306 |
| Loan loss allowance to noncurrent loans | 342.4900% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 4,218 |
| Noncurrent loans to loans | 0.5196% | 3,797 |
| Net loans and leases to total assets | 57.0716% | 4,236 |
| Net loans and leases to deposits | 63.7811% | 4,576 |
| Net loans and leases to core deposits | 66.1529% | 4,677 |
| Total domestic deposits to total assets | 89.4804% | 782 |
| Equity capital to assets | 10.3496% | 3,758 |
| Core capital (leverage) ratio | 10.1813% | 3,397 |
| Tier 1 risk-based capital ratio | 15.1837% | 3,196 |
| Total risk-based capital ratio | 16.4372% | 3,130 |
| Memoranda: | ||
| Average total assets | $583,452,750 | 1,174 |
| Average earning assets | $546,015,250 | 1,158 |
| Average equity | $59,227,750 | 1,285 |
| Average total loans | $350,049,250 | 1,293 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0783% | 2,976 |
| Cost of funding earning assets | 0.2897% | 4,511 |
| Net interest margin | 3.7887% | 2,365 |
| Noninterest income to average assets | 0.7178% | 2,139 |
| Noninterest expense to average assets | 2.8864% | 2,941 |
| Loan and lease loss provision to assets | 0.3366% | 405 |
| Net operating income to assets | 0.7944% | 3,420 |
| Return on assets (ROA) | 0.7944% | 3,510 |
| Pretax return on assets | 1.0428% | 3,404 |
| Return on Equity (ROE) | 7.8764% | 3,125 |
| Retained earnings to average equity (ytd only) | 3.0665% | 4,090 |
| Net charge-offs to loans | 0.8149% | 261 |
| Credit loss provision to net charge-offs | 68.1440% | 2,483 |
| Earnings coverage of net charge-offs (x) | 2.7922% | 3,285 |
| Efficiency ratio | 67.6638% | 3,724 |
| Assets per employee ($millions) | 3.8296% | 4,203 |
| Cash dividends to net income (ytd only)* | 61.0680% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7132% | 1,569 |
| Loan loss allowance to noncurrent loans | 331.4081% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 4,357 |
| Noncurrent loans to loans | 0.5169% | 3,908 |
| Net loans and leases to total assets | 57.8586% | 4,118 |
| Net loans and leases to deposits | 64.3542% | 4,503 |
| Net loans and leases to core deposits | 68.3231% | 4,466 |
| Total domestic deposits to total assets | 89.9065% | 700 |
| Equity capital to assets | 9.9328% | 4,110 |
| Core capital (leverage) ratio | 10.1039% | 3,453 |
| Tier 1 risk-based capital ratio | 14.4662% | 3,658 |
| Total risk-based capital ratio | 15.7190% | 3,581 |
| Memoranda: | ||
| Average total assets | $584,598,670 | 1,176 |
| Average earning assets | $547,476,330 | 1,153 |
| Average equity | $58,960,670 | 1,294 |
| Average total loans | $354,392,000 | 1,286 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1203% | 2,751 |
| Cost of funding earning assets | 0.2911% | 4,541 |
| Net interest margin | 3.8293% | 2,135 |
| Noninterest income to average assets | 0.6932% | 2,185 |
| Noninterest expense to average assets | 2.9852% | 2,630 |
| Loan and lease loss provision to assets | 0.4220% | 262 |
| Net operating income to assets | 0.6662% | 3,971 |
| Return on assets (ROA) | 0.6662% | 4,095 |
| Pretax return on assets | 0.8717% | 3,992 |
| Return on Equity (ROE) | 6.5543% | 3,735 |
| Retained earnings to average equity (ytd only) | 1.7287% | 4,781 |
| Net charge-offs to loans | 1.0715% | 219 |
| Credit loss provision to net charge-offs | 64.0084% | 1,960 |
| Earnings coverage of net charge-offs (x) | 1.9622% | 2,840 |
| Efficiency ratio | 69.7656% | 3,531 |
| Assets per employee ($millions) | 3.7701% | 4,391 |
| Cash dividends to net income (ytd only)* | 73.6241% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7204% | 1,685 |
| Loan loss allowance to noncurrent loans | 191.8176% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.6151% | 3,644 |
| Noncurrent loans to loans | 0.8969% | 2,991 |
| Net loans and leases to total assets | 60.4312% | 3,591 |
| Net loans and leases to deposits | 67.3690% | 4,016 |
| Net loans and leases to core deposits | 71.5386% | 4,008 |
| Total domestic deposits to total assets | 89.7018% | 901 |
| Equity capital to assets | 10.1425% | 3,959 |
| Core capital (leverage) ratio | 10.2087% | 3,329 |
| Tier 1 risk-based capital ratio | 13.9330% | 4,068 |
| Total risk-based capital ratio | 15.1856% | 3,989 |
| Memoranda: | ||
| Average total assets | $578,190,500 | 1,191 |
| Average earning assets | $541,411,500 | 1,178 |
| Average equity | $58,771,000 | 1,303 |
| Average total loans | $355,747,500 | 1,277 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2158% | 2,900 |
| Cost of funding earning assets | 0.3145% | 4,634 |
| Net interest margin | 3.9013% | 2,237 |
| Noninterest income to average assets | 0.7691% | 1,994 |
| Noninterest expense to average assets | 2.9580% | 2,972 |
| Loan and lease loss provision to assets | 0.1759% | 1,466 |
| Net operating income to assets | 0.9457% | 2,647 |
| Return on assets (ROA) | 0.9457% | 2,741 |
| Pretax return on assets | 1.2630% | 2,380 |
| Return on Equity (ROE) | 9.1773% | 2,497 |
| Retained earnings to average equity (ytd only) | 4.2179% | 3,192 |
| Net charge-offs to loans | 0.2085% | 2,000 |
| Credit loss provision to net charge-offs | 142.6901% | 1,672 |
| Earnings coverage of net charge-offs (x) | 11.6740% | 2,465 |
| Efficiency ratio | 67.2746% | 4,015 |
| Assets per employee ($millions) | 3.6213% | 4,684 |
| Cash dividends to net income (ytd only)* | 54.0396% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8294% | 1,473 |
| Loan loss allowance to noncurrent loans | 174.1875% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.7676% | 3,296 |
| Noncurrent loans to loans | 1.0502% | 2,723 |
| Net loans and leases to total assets | 60.4404% | 3,731 |
| Net loans and leases to deposits | 67.4016% | 4,182 |
| Net loans and leases to core deposits | 71.8436% | 4,137 |
| Total domestic deposits to total assets | 89.6720% | 885 |
| Equity capital to assets | 10.1870% | 3,871 |
| Core capital (leverage) ratio | 10.2611% | 3,229 |
| Tier 1 risk-based capital ratio | 15.9618% | 2,977 |
| Total risk-based capital ratio | 17.2183% | 2,922 |
| Memoranda: | ||
| Average total assets | $554,931,000 | 1,205 |
| Average earning assets | $516,033,200 | 1,189 |
| Average equity | $57,184,800 | 1,281 |
| Average total loans | $327,994,400 | 1,336 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2088% | 2,957 |
| Cost of funding earning assets | 0.3160% | 4,718 |
| Net interest margin | 3.8928% | 2,273 |
| Noninterest income to average assets | 0.7912% | 1,929 |
| Noninterest expense to average assets | 2.9738% | 2,890 |
| Loan and lease loss provision to assets | 0.1569% | 1,587 |
| Net operating income to assets | 0.9333% | 2,763 |
| Return on assets (ROA) | 0.9333% | 2,854 |
| Pretax return on assets | 1.2724% | 2,488 |
| Return on Equity (ROE) | 9.0299% | 2,666 |
| Retained earnings to average equity (ytd only) | 4.0362% | 3,778 |
| Net charge-offs to loans | 0.1859% | 1,976 |
| Credit loss provision to net charge-offs | 144.4196% | 1,635 |
| Earnings coverage of net charge-offs (x) | 13.1540% | 2,254 |
| Efficiency ratio | 67.5388% | 3,935 |
| Assets per employee ($millions) | 3.6983% | 4,494 |
| Cash dividends to net income (ytd only)* | 55.3014% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8799% | 1,505 |
| Loan loss allowance to noncurrent loans | 246.0354% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.6831% | 3,778 |
| Noncurrent loans to loans | 0.7641% | 3,684 |
| Net loans and leases to total assets | 59.7418% | 3,828 |
| Net loans and leases to deposits | 66.7667% | 4,256 |
| Net loans and leases to core deposits | 69.3897% | 4,381 |
| Total domestic deposits to total assets | 89.4785% | 990 |
| Equity capital to assets | 10.3308% | 3,756 |
| Core capital (leverage) ratio | 10.3514% | 3,211 |
| Tier 1 risk-based capital ratio | 16.3221% | 2,891 |
| Total risk-based capital ratio | 17.5792% | 2,839 |
| Memoranda: | ||
| Average total assets | $549,717,750 | 1,223 |
| Average earning assets | $510,061,750 | 1,213 |
| Average equity | $56,817,250 | 1,298 |
| Average total loans | $321,370,250 | 1,365 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1774% | 3,041 |
| Cost of funding earning assets | 0.3158% | 4,814 |
| Net interest margin | 3.8616% | 2,322 |
| Noninterest income to average assets | 0.7622% | 1,997 |
| Noninterest expense to average assets | 2.9813% | 2,900 |
| Loan and lease loss provision to assets | 0.1426% | 1,736 |
| Net operating income to assets | 0.9104% | 2,753 |
| Return on assets (ROA) | 0.9104% | 2,855 |
| Pretax return on assets | 1.2161% | 2,590 |
| Return on Equity (ROE) | 8.8066% | 2,692 |
| Retained earnings to average equity (ytd only) | 3.7894% | 3,767 |
| Net charge-offs to loans | 0.2075% | 1,778 |
| Credit loss provision to net charge-offs | 119.2661% | 1,730 |
| Earnings coverage of net charge-offs (x) | 11.3609% | 2,163 |
| Efficiency ratio | 68.6921% | 3,881 |
| Assets per employee ($millions) | 3.5206% | 4,805 |
| Cash dividends to net income (ytd only)* | 56.9707% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9165% | 1,542 |
| Loan loss allowance to noncurrent loans | 270.3544% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.6308% | 4,081 |
| Noncurrent loans to loans | 0.7089% | 3,935 |
| Net loans and leases to total assets | 57.1975% | 4,088 |
| Net loans and leases to deposits | 63.8645% | 4,517 |
| Net loans and leases to core deposits | 66.4243% | 4,602 |
| Total domestic deposits to total assets | 89.5607% | 1,047 |
| Equity capital to assets | 10.2104% | 3,809 |
| Core capital (leverage) ratio | 10.5732% | 2,858 |
| Tier 1 risk-based capital ratio | 16.8933% | 2,668 |
| Total risk-based capital ratio | 18.1507% | 2,632 |
| Memoranda: | ||
| Average total assets | $546,807,670 | 1,224 |
| Average earning assets | $506,626,330 | 1,215 |
| Average equity | $56,525,670 | 1,286 |
| Average total loans | $315,154,000 | 1,379 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1719% | 2,975 |
| Cost of funding earning assets | 0.3186% | 4,879 |
| Net interest margin | 3.8533% | 2,260 |
| Noninterest income to average assets | 0.7951% | 1,770 |
| Noninterest expense to average assets | 3.0552% | 2,677 |
| Loan and lease loss provision to assets | 0.0341% | 3,371 |
| Net operating income to assets | 0.9431% | 2,438 |
| Return on assets (ROA) | 0.9431% | 2,509 |
| Pretax return on assets | 1.2874% | 2,138 |
| Return on Equity (ROE) | 9.0658% | 2,433 |
| Retained earnings to average equity (ytd only) | 4.0206% | 3,704 |
| Net charge-offs to loans | 0.1680% | 1,712 |
| Credit loss provision to net charge-offs | 35.3846% | 2,350 |
| Earnings coverage of net charge-offs (x) | 13.7308% | 1,655 |
| Efficiency ratio | 69.8072% | 3,871 |
| Assets per employee ($millions) | 3.3077% | 5,330 |
| Cash dividends to net income (ytd only)* | 55.6515% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9607% | 1,598 |
| Loan loss allowance to noncurrent loans | 370.9168% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.5086% | 4,627 |
| Noncurrent loans to loans | 0.5286% | 4,586 |
| Net loans and leases to total assets | 55.9706% | 4,143 |
| Net loans and leases to deposits | 63.8588% | 4,329 |
| Net loans and leases to core deposits | 66.6698% | 4,428 |
| Total domestic deposits to total assets | 87.6475% | 2,429 |
| Equity capital to assets | 10.3371% | 3,416 |
| Core capital (leverage) ratio | 10.4863% | 2,951 |
| Tier 1 risk-based capital ratio | 17.1697% | 2,610 |
| Total risk-based capital ratio | 18.4274% | 2,562 |
| Memoranda: | ||
| Average total assets | $540,326,000 | 1,249 |
| Average earning assets | $502,218,000 | 1,234 |
| Average equity | $56,211,000 | 1,291 |
| Average total loans | $309,515,500 | 1,402 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3478% | 2,780 |
| Cost of funding earning assets | 0.3435% | 5,206 |
| Net interest margin | 4.0042% | 1,936 |
| Noninterest income to average assets | 1.0743% | 1,226 |
| Noninterest expense to average assets | 3.2251% | 2,344 |
| Loan and lease loss provision to assets | 0.0910% | 3,293 |
| Net operating income to assets | 1.0719% | 2,030 |
| Return on assets (ROA) | 1.0719% | 2,112 |
| Pretax return on assets | 1.4601% | 1,581 |
| Return on Equity (ROE) | 10.4064% | 1,954 |
| Retained earnings to average equity (ytd only) | 5.2251% | 2,466 |
| Net charge-offs to loans | 0.2518% | 2,462 |
| Credit loss provision to net charge-offs | 65.1413% | 3,425 |
| Earnings coverage of net charge-offs (x) | 11.1090% | 2,275 |
| Efficiency ratio | 67.5244% | 4,284 |
| Assets per employee ($millions) | 3.1650% | 5,560 |
| Cash dividends to net income (ytd only)* | 49.7896% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0143% | 1,514 |
| Loan loss allowance to noncurrent loans | 325.2626% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.5536% | 4,569 |
| Noncurrent loans to loans | 0.6193% | 4,429 |
| Net loans and leases to total assets | 56.3223% | 4,270 |
| Net loans and leases to deposits | 63.0166% | 4,605 |
| Net loans and leases to core deposits | 65.8397% | 4,711 |
| Total domestic deposits to total assets | 89.3769% | 1,398 |
| Equity capital to assets | 10.4705% | 3,201 |
| Core capital (leverage) ratio | 10.4108% | 3,009 |
| Tier 1 risk-based capital ratio | 16.8091% | 2,704 |
| Total risk-based capital ratio | 18.0667% | 2,653 |
| Memoranda: | ||
| Average total assets | $532,140,600 | 1,249 |
| Average earning assets | $491,953,800 | 1,243 |
| Average equity | $54,812,200 | 1,301 |
| Average total loans | $295,117,400 | 1,430 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3077% | 2,951 |
| Cost of funding earning assets | 0.3468% | 5,326 |
| Net interest margin | 3.9609% | 2,073 |
| Noninterest income to average assets | 1.1347% | 1,140 |
| Noninterest expense to average assets | 3.2230% | 2,291 |
| Loan and lease loss provision to assets | 0.0916% | 3,239 |
| Net operating income to assets | 1.0825% | 2,076 |
| Return on assets (ROA) | 1.0825% | 2,157 |
| Pretax return on assets | 1.4706% | 1,699 |
| Return on Equity (ROE) | 10.5536% | 1,981 |
| Retained earnings to average equity (ytd only) | 5.3416% | 2,840 |
| Net charge-offs to loans | 0.2612% | 2,247 |
| Credit loss provision to net charge-offs | 63.8112% | 3,208 |
| Earnings coverage of net charge-offs (x) | 10.8863% | 2,305 |
| Efficiency ratio | 67.3535% | 4,220 |
| Assets per employee ($millions) | 3.3434% | 5,197 |
| Cash dividends to net income (ytd only)* | 49.3858% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0935% | 1,519 |
| Loan loss allowance to noncurrent loans | 126.9567% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 1.1639% | 3,329 |
| Noncurrent loans to loans | 1.6490% | 2,707 |
| Net loans and leases to total assets | 53.9223% | 4,624 |
| Net loans and leases to deposits | 60.1147% | 4,960 |
| Net loans and leases to core deposits | 62.6403% | 5,050 |
| Total domestic deposits to total assets | 89.6990% | 1,172 |
| Equity capital to assets | 10.0995% | 3,767 |
| Core capital (leverage) ratio | 10.1333% | 3,484 |
| Tier 1 risk-based capital ratio | 16.8048% | 2,806 |
| Total risk-based capital ratio | 18.0629% | 2,751 |
| Memoranda: | ||
| Average total assets | $531,455,250 | 1,263 |
| Average earning assets | $489,811,000 | 1,256 |
| Average equity | $54,514,000 | 1,319 |
| Average total loans | $292,034,000 | 1,450 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3252% | 2,853 |
| Cost of funding earning assets | 0.3515% | 5,393 |
| Net interest margin | 3.9737% | 1,954 |
| Noninterest income to average assets | 1.1786% | 1,091 |
| Noninterest expense to average assets | 3.2602% | 2,187 |
| Loan and lease loss provision to assets | 0.1310% | 2,679 |
| Net operating income to assets | 1.0752% | 2,013 |
| Return on assets (ROA) | 1.0752% | 2,127 |
| Pretax return on assets | 1.4487% | 1,769 |
| Return on Equity (ROE) | 10.4277% | 2,034 |
| Retained earnings to average equity (ytd only) | 5.2193% | 2,912 |
| Net charge-offs to loans | 0.1821% | 2,667 |
| Credit loss provision to net charge-offs | 131.0606% | 1,731 |
| Earnings coverage of net charge-offs (x) | 15.7992% | 1,712 |
| Efficiency ratio | 67.3605% | 4,296 |
| Assets per employee ($millions) | 3.2692% | 5,337 |
| Cash dividends to net income (ytd only)* | 49.9472% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1959% | 1,429 |
| Loan loss allowance to noncurrent loans | 137.2401% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 1.1491% | 3,448 |
| Noncurrent loans to loans | 1.6001% | 2,909 |
| Net loans and leases to total assets | 53.6255% | 4,641 |
| Net loans and leases to deposits | 59.7531% | 5,001 |
| Net loans and leases to core deposits | 62.3370% | 5,066 |
| Total domestic deposits to total assets | 89.7451% | 1,179 |
| Equity capital to assets | 10.0994% | 3,790 |
| Core capital (leverage) ratio | 10.2250% | 3,193 |
| Tier 1 risk-based capital ratio | 16.5506% | 2,918 |
| Total risk-based capital ratio | 17.8090% | 2,869 |
| Memoranda: | ||
| Average total assets | $528,064,000 | 1,268 |
| Average earning assets | $486,544,000 | 1,263 |
| Average equity | $54,451,330 | 1,324 |
| Average total loans | $289,944,000 | 1,455 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 2,913 |
| Cost of funding earning assets | 0.3590% | 5,454 |
| Net interest margin | 3.9360% | 1,996 |
| Noninterest income to average assets | 1.3404% | 858 |
| Noninterest expense to average assets | 3.3567% | 1,938 |
| Loan and lease loss provision to assets | 0.0438% | 3,870 |
| Net operating income to assets | 1.1460% | 1,695 |
| Return on assets (ROA) | 1.1460% | 1,804 |
| Pretax return on assets | 1.5531% | 1,417 |
| Return on Equity (ROE) | 10.9963% | 1,710 |
| Retained earnings to average equity (ytd only) | 5.7708% | 2,802 |
| Net charge-offs to loans | 0.0545% | 3,281 |
| Credit loss provision to net charge-offs | 146.1538% | 1,392 |
| Earnings coverage of net charge-offs (x) | 53.3077% | 640 |
| Efficiency ratio | 67.7624% | 4,355 |
| Assets per employee ($millions) | 3.1877% | 5,656 |
| Cash dividends to net income (ytd only)* | 47.5201% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2460% | 1,495 |
| Loan loss allowance to noncurrent loans | 119.4829% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 1.3770% | 3,208 |
| Noncurrent loans to loans | 1.8797% | 2,758 |
| Net loans and leases to total assets | 54.1965% | 4,378 |
| Net loans and leases to deposits | 60.6721% | 4,716 |
| Net loans and leases to core deposits | 63.5981% | 4,782 |
| Total domestic deposits to total assets | 89.3269% | 1,471 |
| Equity capital to assets | 10.4828% | 3,561 |
| Core capital (leverage) ratio | 10.4174% | 2,887 |
| Tier 1 risk-based capital ratio | 17.3811% | 2,611 |
| Total risk-based capital ratio | 18.6415% | 2,571 |
| Memoranda: | ||
| Average total assets | $520,753,000 | 1,297 |
| Average earning assets | $478,043,500 | 1,296 |
| Average equity | $54,273,000 | 1,343 |
| Average total loans | $286,140,000 | 1,483 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5411% | 3,237 |
| Cost of funding earning assets | 0.4222% | 5,772 |
| Net interest margin | 4.1190% | 1,924 |
| Noninterest income to average assets | 1.1394% | 1,204 |
| Noninterest expense to average assets | 3.2755% | 2,407 |
| Loan and lease loss provision to assets | 0.1938% | 3,214 |
| Net operating income to assets | 1.1368% | 1,815 |
| Return on assets (ROA) | 1.1368% | 1,987 |
| Pretax return on assets | 1.4498% | 1,851 |
| Return on Equity (ROE) | 11.0092% | 1,803 |
| Retained earnings to average equity (ytd only) | 7.5168% | 1,328 |
| Net charge-offs to loans | 0.1841% | 3,913 |
| Credit loss provision to net charge-offs | 198.1744% | 1,313 |
| Earnings coverage of net charge-offs (x) | 16.8073% | 1,552 |
| Efficiency ratio | 66.5228% | 4,405 |
| Assets per employee ($millions) | 3.1440% | 5,751 |
| Cash dividends to net income (ytd only)* | 31.7222% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2702% | 1,418 |
| Loan loss allowance to noncurrent loans | 343.7400% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 1.0276% | 3,979 |
| Noncurrent loans to loans | 0.6604% | 4,879 |
| Net loans and leases to total assets | 53.2189% | 4,725 |
| Net loans and leases to deposits | 59.4815% | 5,078 |
| Net loans and leases to core deposits | 62.0260% | 5,155 |
| Total domestic deposits to total assets | 89.4714% | 1,264 |
| Equity capital to assets | 10.3616% | 3,679 |
| Core capital (leverage) ratio | 10.0645% | 3,319 |
| Tier 1 risk-based capital ratio | 17.0633% | 2,618 |
| Total risk-based capital ratio | 18.3251% | 2,580 |
| Memoranda: | ||
| Average total assets | $504,140,800 | 1,320 |
| Average earning assets | $462,616,000 | 1,317 |
| Average equity | $52,056,600 | 1,367 |
| Average total loans | $267,803,000 | 1,550 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5531% | 3,414 |
| Cost of funding earning assets | 0.4286% | 5,940 |
| Net interest margin | 4.1246% | 2,007 |
| Noninterest income to average assets | 1.1727% | 1,102 |
| Noninterest expense to average assets | 3.2934% | 2,292 |
| Loan and lease loss provision to assets | 0.1668% | 3,449 |
| Net operating income to assets | 1.1663% | 1,846 |
| Return on assets (ROA) | 1.1663% | 2,040 |
| Pretax return on assets | 1.5001% | 1,876 |
| Return on Equity (ROE) | 11.3050% | 1,850 |
| Retained earnings to average equity (ytd only) | 9.0471% | 1,212 |
| Net charge-offs to loans | 0.1299% | 4,077 |
| Credit loss provision to net charge-offs | 243.1907% | 1,142 |
| Earnings coverage of net charge-offs (x) | 24.3073% | 1,282 |
| Efficiency ratio | 66.3098% | 4,391 |
| Assets per employee ($millions) | 3.3200% | 5,394 |
| Cash dividends to net income (ytd only)* | 19.9725% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2863% | 1,545 |
| Loan loss allowance to noncurrent loans | 453.5433% | 842 |
| Noncurrent assets plus other real estate owned to assets | 1.4413% | 3,443 |
| Noncurrent loans to loans | 0.5041% | 5,433 |
| Net loans and leases to total assets | 50.9782% | 5,190 |
| Net loans and leases to deposits | 56.8596% | 5,550 |
| Net loans and leases to core deposits | 59.2871% | 5,625 |
| Total domestic deposits to total assets | 89.6562% | 1,043 |
| Equity capital to assets | 10.1064% | 4,345 |
| Core capital (leverage) ratio | 10.1432% | 3,352 |
| Tier 1 risk-based capital ratio | 16.7549% | 2,870 |
| Total risk-based capital ratio | 17.9574% | 2,855 |
| Memoranda: | ||
| Average total assets | $499,698,500 | 1,354 |
| Average earning assets | $458,865,750 | 1,348 |
| Average equity | $51,551,250 | 1,384 |
| Average total loans | $263,702,000 | 1,582 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6177% | 3,286 |
| Cost of funding earning assets | 0.4397% | 6,034 |
| Net interest margin | 4.1779% | 1,815 |
| Noninterest income to average assets | 1.1235% | 1,134 |
| Noninterest expense to average assets | 3.3520% | 2,149 |
| Loan and lease loss provision to assets | 0.2073% | 3,001 |
| Net operating income to assets | 1.1002% | 2,046 |
| Return on assets (ROA) | 1.1002% | 2,271 |
| Pretax return on assets | 1.4019% | 2,189 |
| Return on Equity (ROE) | 10.5862% | 2,139 |
| Retained earnings to average equity (ytd only) | 9.0126% | 1,273 |
| Net charge-offs to loans | 0.0949% | 4,214 |
| Credit loss provision to net charge-offs | 412.1951% | 716 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,027 |
| Efficiency ratio | 67.4330% | 4,251 |
| Assets per employee ($millions) | 3.1387% | 5,773 |
| Cash dividends to net income (ytd only)* | 14.8644% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3323% | 1,532 |
| Loan loss allowance to noncurrent loans | 392.8262% | 931 |
| Noncurrent assets plus other real estate owned to assets | 1.5246% | 3,414 |
| Noncurrent loans to loans | 0.5937% | 5,326 |
| Net loans and leases to total assets | 51.9920% | 5,102 |
| Net loans and leases to deposits | 58.0124% | 5,446 |
| Net loans and leases to core deposits | 60.6749% | 5,523 |
| Total domestic deposits to total assets | 89.6222% | 1,148 |
| Equity capital to assets | 10.1841% | 4,071 |
| Core capital (leverage) ratio | 10.4636% | 2,841 |
| Tier 1 risk-based capital ratio | 16.8619% | 2,735 |
| Total risk-based capital ratio | 18.1224% | 2,688 |
| Memoranda: | ||
| Average total assets | $489,199,330 | 1,380 |
| Average earning assets | $449,361,670 | 1,375 |
| Average equity | $50,840,000 | 1,397 |
| Average total loans | $259,226,000 | 1,608 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6833% | 3,117 |
| Cost of funding earning assets | 0.4581% | 6,092 |
| Net interest margin | 4.2252% | 1,687 |
| Noninterest income to average assets | 1.0728% | 1,256 |
| Noninterest expense to average assets | 3.4478% | 1,885 |
| Loan and lease loss provision to assets | 0.2510% | 2,450 |
| Net operating income to assets | 0.9824% | 2,546 |
| Return on assets (ROA) | 0.9824% | 2,748 |
| Pretax return on assets | 1.2486% | 2,730 |
| Return on Equity (ROE) | 9.3530% | 2,657 |
| Retained earnings to average equity (ytd only) | 7.7596% | 2,070 |
| Net charge-offs to loans | 0.1520% | 3,181 |
| Credit loss provision to net charge-offs | 312.5000% | 947 |
| Earnings coverage of net charge-offs (x) | 18.6667% | 1,255 |
| Efficiency ratio | 69.5196% | 3,898 |
| Assets per employee ($millions) | 2.9884% | 6,176 |
| Cash dividends to net income (ytd only)* | 17.0358% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3666% | 1,560 |
| Loan loss allowance to noncurrent loans | 402.3468% | 841 |
| Noncurrent assets plus other real estate owned to assets | 1.6252% | 3,412 |
| Noncurrent loans to loans | 0.5882% | 5,484 |
| Net loans and leases to total assets | 53.2520% | 4,843 |
| Net loans and leases to deposits | 59.7103% | 5,189 |
| Net loans and leases to core deposits | 62.4952% | 5,274 |
| Total domestic deposits to total assets | 89.1839% | 1,574 |
| Equity capital to assets | 10.5890% | 3,386 |
| Core capital (leverage) ratio | 10.5247% | 2,721 |
| Tier 1 risk-based capital ratio | 16.9183% | 2,709 |
| Total risk-based capital ratio | 18.1788% | 2,665 |
| Memoranda: | ||
| Average total assets | $477,992,500 | 1,406 |
| Average earning assets | $438,319,000 | 1,398 |
| Average equity | $50,208,500 | 1,406 |
| Average total loans | $252,664,000 | 1,639 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8327% | 3,657 |
| Cost of funding earning assets | 0.5606% | 6,286 |
| Net interest margin | 4.2721% | 1,798 |
| Noninterest income to average assets | 1.3028% | 759 |
| Noninterest expense to average assets | 3.4833% | 2,021 |
| Loan and lease loss provision to assets | 0.1052% | 5,271 |
| Net operating income to assets | 1.1682% | 1,612 |
| Return on assets (ROA) | 1.1682% | 1,719 |
| Pretax return on assets | 1.5978% | 1,206 |
| Return on Equity (ROE) | 11.6330% | 1,518 |
| Retained earnings to average equity (ytd only) | 9.2179% | 743 |
| Net charge-offs to loans | 0.4590% | 3,147 |
| Credit loss provision to net charge-offs | 43.4441% | 5,564 |
| Earnings coverage of net charge-offs (x) | 7.0341% | 2,411 |
| Efficiency ratio | 66.9958% | 4,577 |
| Assets per employee ($millions) | 3.0435% | 5,999 |
| Cash dividends to net income (ytd only)* | 20.7609% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4406% | 1,395 |
| Loan loss allowance to noncurrent loans | 329.7238% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 1.6552% | 3,471 |
| Noncurrent loans to loans | 0.7402% | 5,219 |
| Net loans and leases to total assets | 49.9259% | 5,592 |
| Net loans and leases to deposits | 55.9006% | 5,905 |
| Net loans and leases to core deposits | 57.9787% | 6,001 |
| Total domestic deposits to total assets | 89.3120% | 1,359 |
| Equity capital to assets | 10.4191% | 3,625 |
| Core capital (leverage) ratio | 10.3529% | 2,909 |
| Tier 1 risk-based capital ratio | 17.6247% | 2,332 |
| Total risk-based capital ratio | 18.8857% | 2,292 |
| Memoranda: | ||
| Average total assets | $472,510,400 | 1,401 |
| Average earning assets | $429,528,400 | 1,409 |
| Average equity | $47,451,400 | 1,433 |
| Average total loans | $249,242,200 | 1,680 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9074% | 3,519 |
| Cost of funding earning assets | 0.5852% | 6,351 |
| Net interest margin | 4.3222% | 1,632 |
| Noninterest income to average assets | 1.3662% | 699 |
| Noninterest expense to average assets | 3.4678% | 2,023 |
| Loan and lease loss provision to assets | 0.1112% | 5,040 |
| Net operating income to assets | 1.2323% | 1,568 |
| Return on assets (ROA) | 1.2323% | 1,671 |
| Pretax return on assets | 1.7097% | 1,125 |
| Return on Equity (ROE) | 12.3892% | 1,442 |
| Retained earnings to average equity (ytd only) | 9.1290% | 1,099 |
| Net charge-offs to loans | 0.4526% | 2,919 |
| Credit loss provision to net charge-offs | 46.2353% | 5,114 |
| Earnings coverage of net charge-offs (x) | 7.5706% | 2,338 |
| Efficiency ratio | 65.4040% | 4,827 |
| Assets per employee ($millions) | 3.0168% | 6,073 |
| Cash dividends to net income (ytd only)* | 26.3146% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5452% | 1,334 |
| Loan loss allowance to noncurrent loans | 307.2854% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 1.6719% | 3,581 |
| Noncurrent loans to loans | 0.8283% | 5,214 |
| Net loans and leases to total assets | 49.4673% | 5,775 |
| Net loans and leases to deposits | 55.3034% | 6,098 |
| Net loans and leases to core deposits | 57.4082% | 6,179 |
| Total domestic deposits to total assets | 89.4472% | 1,169 |
| Equity capital to assets | 10.2507% | 4,020 |
| Core capital (leverage) ratio | 10.1679% | 3,225 |
| Tier 1 risk-based capital ratio | 17.8183% | 2,325 |
| Total risk-based capital ratio | 19.0813% | 2,285 |
| Memoranda: | ||
| Average total assets | $471,179,000 | 1,414 |
| Average earning assets | $427,615,750 | 1,424 |
| Average equity | $46,867,750 | 1,454 |
| Average total loans | $250,419,750 | 1,687 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9883% | 3,211 |
| Cost of funding earning assets | 0.6054% | 6,429 |
| Net interest margin | 4.3829% | 1,428 |
| Noninterest income to average assets | 1.3896% | 659 |
| Noninterest expense to average assets | 3.4375% | 2,163 |
| Loan and lease loss provision to assets | 0.1227% | 4,752 |
| Net operating income to assets | 1.2971% | 1,329 |
| Return on assets (ROA) | 1.2971% | 1,401 |
| Pretax return on assets | 1.7965% | 886 |
| Return on Equity (ROE) | 13.1764% | 1,160 |
| Retained earnings to average equity (ytd only) | 9.0815% | 1,076 |
| Net charge-offs to loans | 0.4644% | 2,721 |
| Credit loss provision to net charge-offs | 48.9796% | 4,606 |
| Earnings coverage of net charge-offs (x) | 7.6599% | 2,189 |
| Efficiency ratio | 63.9965% | 5,242 |
| Assets per employee ($millions) | 3.0384% | 6,000 |
| Cash dividends to net income (ytd only)* | 31.0775% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5224% | 1,412 |
| Loan loss allowance to noncurrent loans | 130.5831% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 1.7811% | 3,535 |
| Noncurrent loans to loans | 1.9317% | 3,566 |
| Net loans and leases to total assets | 51.8185% | 5,594 |
| Net loans and leases to deposits | 57.8123% | 5,960 |
| Net loans and leases to core deposits | 60.2126% | 6,072 |
| Total domestic deposits to total assets | 89.6322% | 1,169 |
| Equity capital to assets | 10.0752% | 4,054 |
| Core capital (leverage) ratio | 10.0201% | 3,238 |
| Tier 1 risk-based capital ratio | 16.7682% | 2,619 |
| Total risk-based capital ratio | 18.0308% | 2,574 |
| Memoranda: | ||
| Average total assets | $469,355,330 | 1,428 |
| Average earning assets | $424,837,000 | 1,439 |
| Average equity | $46,203,670 | 1,460 |
| Average total loans | $253,245,000 | 1,694 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9647% | 3,269 |
| Cost of funding earning assets | 0.6209% | 6,520 |
| Net interest margin | 4.3438% | 1,436 |
| Noninterest income to average assets | 1.0526% | 1,188 |
| Noninterest expense to average assets | 3.3592% | 2,385 |
| Loan and lease loss provision to assets | 0.1929% | 3,699 |
| Net operating income to assets | 1.0816% | 1,903 |
| Return on assets (ROA) | 1.0816% | 1,955 |
| Pretax return on assets | 1.4299% | 1,649 |
| Return on Equity (ROE) | 11.1187% | 1,703 |
| Retained earnings to average equity (ytd only) | 6.9678% | 2,163 |
| Net charge-offs to loans | 0.7115% | 1,793 |
| Credit loss provision to net charge-offs | 49.8896% | 3,758 |
| Earnings coverage of net charge-offs (x) | 4.1965% | 2,543 |
| Efficiency ratio | 67.2550% | 4,802 |
| Assets per employee ($millions) | 3.1224% | 5,895 |
| Cash dividends to net income (ytd only)* | 37.3323% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5332% | 1,415 |
| Loan loss allowance to noncurrent loans | 102.1100% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 2.4690% | 2,760 |
| Noncurrent loans to loans | 2.4808% | 3,013 |
| Net loans and leases to total assets | 51.7876% | 5,608 |
| Net loans and leases to deposits | 57.5163% | 5,972 |
| Net loans and leases to core deposits | 59.9166% | 6,098 |
| Total domestic deposits to total assets | 90.0398% | 1,131 |
| Equity capital to assets | 9.6797% | 4,199 |
| Core capital (leverage) ratio | 9.8375% | 3,349 |
| Tier 1 risk-based capital ratio | 16.0560% | 2,882 |
| Total risk-based capital ratio | 17.3185% | 2,852 |
| Memoranda: | ||
| Average total assets | $468,559,000 | 1,443 |
| Average earning assets | $423,871,000 | 1,453 |
| Average equity | $45,581,000 | 1,472 |
| Average total loans | $254,691,000 | 1,700 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3683% | 2,816 |
| Cost of funding earning assets | 0.7619% | 6,700 |
| Net interest margin | 4.6065% | 997 |
| Noninterest income to average assets | 1.1787% | 1,069 |
| Noninterest expense to average assets | 3.2320% | 2,972 |
| Loan and lease loss provision to assets | 0.6056% | 2,713 |
| Net operating income to assets | 1.1194% | 1,643 |
| Return on assets (ROA) | 1.1193% | 1,728 |
| Pretax return on assets | 1.5094% | 1,347 |
| Return on Equity (ROE) | 11.7815% | 1,371 |
| Retained earnings to average equity (ytd only) | 6.1890% | 1,722 |
| Net charge-offs to loans | 0.3986% | 4,050 |
| Credit loss provision to net charge-offs | 265.1887% | 1,058 |
| Earnings coverage of net charge-offs (x) | 9.2623% | 1,847 |
| Efficiency ratio | 60.2764% | 6,005 |
| Assets per employee ($millions) | 3.0429% | 6,009 |
| Cash dividends to net income (ytd only)* | 47.4687% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5718% | 1,317 |
| Loan loss allowance to noncurrent loans | 316.5072% | 977 |
| Noncurrent assets plus other real estate owned to assets | 1.4953% | 4,074 |
| Noncurrent loans to loans | 0.8126% | 5,425 |
| Net loans and leases to total assets | 54.1806% | 5,610 |
| Net loans and leases to deposits | 60.2334% | 6,035 |
| Net loans and leases to core deposits | 62.8604% | 6,163 |
| Total domestic deposits to total assets | 89.9511% | 1,127 |
| Equity capital to assets | 9.7773% | 4,023 |
| Core capital (leverage) ratio | 9.7028% | 3,428 |
| Tier 1 risk-based capital ratio | 15.9755% | 2,766 |
| Total risk-based capital ratio | 16.9836% | 2,838 |
| Memoranda: | ||
| Average total assets | $464,144,200 | 1,436 |
| Average earning assets | $420,018,800 | 1,442 |
| Average equity | $44,094,400 | 1,514 |
| Average total loans | $265,910,200 | 1,672 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4263% | 2,760 |
| Cost of funding earning assets | 0.7861% | 6,809 |
| Net interest margin | 4.6402% | 961 |
| Noninterest income to average assets | 1.1894% | 989 |
| Noninterest expense to average assets | 3.1978% | 2,938 |
| Loan and lease loss provision to assets | 0.6010% | 2,541 |
| Net operating income to assets | 1.1526% | 1,727 |
| Return on assets (ROA) | 1.1526% | 1,827 |
| Pretax return on assets | 1.5854% | 1,381 |
| Return on Equity (ROE) | 12.2215% | 1,443 |
| Retained earnings to average equity (ytd only) | 7.5928% | 1,561 |
| Net charge-offs to loans | 0.3725% | 3,813 |
| Credit loss provision to net charge-offs | 279.5728% | 1,163 |
| Earnings coverage of net charge-offs (x) | 10.1709% | 1,913 |
| Efficiency ratio | 59.2271% | 6,075 |
| Assets per employee ($millions) | 3.0449% | 6,044 |
| Cash dividends to net income (ytd only)* | 37.8735% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4362% | 1,420 |
| Loan loss allowance to noncurrent loans | 329.9150% | 900 |
| Noncurrent assets plus other real estate owned to assets | 1.2780% | 4,589 |
| Noncurrent loans to loans | 0.7384% | 5,727 |
| Net loans and leases to total assets | 53.3751% | 5,936 |
| Net loans and leases to deposits | 59.2809% | 6,364 |
| Net loans and leases to core deposits | 61.8620% | 6,474 |
| Total domestic deposits to total assets | 90.0375% | 859 |
| Equity capital to assets | 9.7053% | 4,542 |
| Core capital (leverage) ratio | 9.6148% | 3,745 |
| Tier 1 risk-based capital ratio | 16.0776% | 2,726 |
| Total risk-based capital ratio | 17.3400% | 2,668 |
| Memoranda: | ||
| Average total assets | $464,550,750 | 1,455 |
| Average earning assets | $419,970,250 | 1,461 |
| Average equity | $43,812,500 | 1,523 |
| Average total loans | $268,085,250 | 1,675 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4682% | 2,662 |
| Cost of funding earning assets | 0.8169% | 6,856 |
| Net interest margin | 4.6513% | 890 |
| Noninterest income to average assets | 1.0670% | 1,177 |
| Noninterest expense to average assets | 3.1523% | 3,083 |
| Loan and lease loss provision to assets | 0.6460% | 2,226 |
| Net operating income to assets | 1.0832% | 1,911 |
| Return on assets (ROA) | 1.0829% | 1,983 |
| Pretax return on assets | 1.4690% | 1,642 |
| Return on Equity (ROE) | 11.5953% | 1,562 |
| Retained earnings to average equity (ytd only) | 6.8750% | 1,890 |
| Net charge-offs to loans | 0.3574% | 3,563 |
| Credit loss provision to net charge-offs | 307.8029% | 1,191 |
| Earnings coverage of net charge-offs (x) | 10.0801% | 1,941 |
| Efficiency ratio | 59.6695% | 6,106 |
| Assets per employee ($millions) | 2.9619% | 6,224 |
| Cash dividends to net income (ytd only)* | 40.7083% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1852% | 1,795 |
| Loan loss allowance to noncurrent loans | 85.6560% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 1.6939% | 3,901 |
| Noncurrent loans to loans | 2.5511% | 3,106 |
| Net loans and leases to total assets | 56.2050% | 5,674 |
| Net loans and leases to deposits | 62.2821% | 6,208 |
| Net loans and leases to core deposits | 64.8617% | 6,326 |
| Total domestic deposits to total assets | 90.2426% | 794 |
| Equity capital to assets | 9.4520% | 4,780 |
| Core capital (leverage) ratio | 9.4108% | 3,946 |
| Tier 1 risk-based capital ratio | 14.8021% | 3,263 |
| Total risk-based capital ratio | 16.0616% | 3,231 |
| Memoranda: | ||
| Average total assets | $464,111,330 | 1,469 |
| Average earning assets | $419,152,670 | 1,477 |
| Average equity | $43,345,330 | 1,530 |
| Average total loans | $272,491,330 | 1,680 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4369% | 2,873 |
| Cost of funding earning assets | 0.8464% | 6,954 |
| Net interest margin | 4.5905% | 969 |
| Noninterest income to average assets | 1.0325% | 1,197 |
| Noninterest expense to average assets | 3.2680% | 2,642 |
| Loan and lease loss provision to assets | 0.6482% | 1,956 |
| Net operating income to assets | 0.9563% | 2,338 |
| Return on assets (ROA) | 0.9563% | 2,405 |
| Pretax return on assets | 1.2939% | 2,065 |
| Return on Equity (ROE) | 10.3027% | 2,005 |
| Retained earnings to average equity (ytd only) | 5.8926% | 2,669 |
| Net charge-offs to loans | 0.5585% | 2,404 |
| Credit loss provision to net charge-offs | 195.5614% | 1,897 |
| Earnings coverage of net charge-offs (x) | 5.8590% | 2,323 |
| Efficiency ratio | 62.5581% | 5,727 |
| Assets per employee ($millions) | 2.8230% | 6,586 |
| Cash dividends to net income (ytd only)* | 42.8054% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9134% | 2,401 |
| Loan loss allowance to noncurrent loans | 81.1986% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.5020% | 4,251 |
| Noncurrent loans to loans | 2.3564% | 3,320 |
| Net loans and leases to total assets | 57.5590% | 5,515 |
| Net loans and leases to deposits | 63.6429% | 6,090 |
| Net loans and leases to core deposits | 66.3744% | 6,255 |
| Total domestic deposits to total assets | 90.4406% | 769 |
| Equity capital to assets | 9.2928% | 4,844 |
| Core capital (leverage) ratio | 9.3446% | 3,982 |
| Tier 1 risk-based capital ratio | 14.5018% | 3,373 |
| Total risk-based capital ratio | 15.7584% | 3,342 |
| Memoranda: | ||
| Average total assets | $462,180,500 | 1,519 |
| Average earning assets | $420,609,000 | 1,516 |
| Average equity | $42,901,500 | 1,558 |
| Average total loans | $274,287,000 | 1,710 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9140% | 2,176 |
| Cost of funding earning assets | 1.0930% | 6,999 |
| Net interest margin | 4.8210% | 661 |
| Noninterest income to average assets | 1.3610% | 798 |
| Noninterest expense to average assets | 3.3817% | 2,737 |
| Loan and lease loss provision to assets | 1.0233% | 2,224 |
| Net operating income to assets | 0.9963% | 1,856 |
| Return on assets (ROA) | 0.9963% | 1,902 |
| Pretax return on assets | 1.3574% | 1,537 |
| Return on Equity (ROE) | 10.7877% | 1,478 |
| Retained earnings to average equity (ytd only) | 5.1180% | 1,760 |
| Net charge-offs to loans | 1.0948% | 2,230 |
| Credit loss provision to net charge-offs | 146.3869% | 3,238 |
| Earnings coverage of net charge-offs (x) | 3.4058% | 3,357 |
| Efficiency ratio | 58.5324% | 6,692 |
| Assets per employee ($millions) | 2.7459% | 6,763 |
| Cash dividends to net income (ytd only)* | 52.5570% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7672% | 2,650 |
| Loan loss allowance to noncurrent loans | 56.5056% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 1.9982% | 3,406 |
| Noncurrent loans to loans | 3.1275% | 2,450 |
| Net loans and leases to total assets | 58.9605% | 5,495 |
| Net loans and leases to deposits | 65.1365% | 6,148 |
| Net loans and leases to core deposits | 74.9259% | 6,473 |
| Total domestic deposits to total assets | 90.5183% | 737 |
| Equity capital to assets | 9.2719% | 4,736 |
| Core capital (leverage) ratio | 9.2355% | 4,073 |
| Tier 1 risk-based capital ratio | 13.9214% | 3,555 |
| Total risk-based capital ratio | 15.1753% | 3,502 |
| Memoranda: | ||
| Average total assets | $453,355,800 | 1,527 |
| Average earning assets | $413,901,000 | 1,526 |
| Average equity | $41,871,600 | 1,594 |
| Average total loans | $289,459,600 | 1,661 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9890% | 2,086 |
| Cost of funding earning assets | 1.1449% | 7,054 |
| Net interest margin | 4.8441% | 635 |
| Noninterest income to average assets | 1.3904% | 786 |
| Noninterest expense to average assets | 3.5027% | 2,277 |
| Loan and lease loss provision to assets | 0.7875% | 2,400 |
| Net operating income to assets | 1.1004% | 1,730 |
| Return on assets (ROA) | 1.1004% | 1,786 |
| Pretax return on assets | 1.5313% | 1,324 |
| Return on Equity (ROE) | 11.9265% | 1,375 |
| Retained earnings to average equity (ytd only) | 7.3586% | 1,371 |
| Net charge-offs to loans | 0.5119% | 3,166 |
| Credit loss provision to net charge-offs | 237.3333% | 1,843 |
| Earnings coverage of net charge-offs (x) | 6.9885% | 2,499 |
| Efficiency ratio | 60.0111% | 6,412 |
| Assets per employee ($millions) | 2.7775% | 6,687 |
| Cash dividends to net income (ytd only)* | 38.3008% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 2,450 |
| Loan loss allowance to noncurrent loans | 67.6112% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.6583% | 3,882 |
| Noncurrent loans to loans | 2.5850% | 2,922 |
| Net loans and leases to total assets | 60.5841% | 5,491 |
| Net loans and leases to deposits | 67.2386% | 6,192 |
| Net loans and leases to core deposits | 77.1988% | 6,547 |
| Total domestic deposits to total assets | 90.1032% | 730 |
| Equity capital to assets | 9.3716% | 4,926 |
| Core capital (leverage) ratio | 9.2369% | 4,281 |
| Tier 1 risk-based capital ratio | 14.1436% | 3,473 |
| Total risk-based capital ratio | 15.3988% | 3,413 |
| Memoranda: | ||
| Average total assets | $452,052,750 | 1,549 |
| Average earning assets | $413,526,500 | 1,542 |
| Average equity | $41,710,000 | 1,621 |
| Average total loans | $293,015,000 | 1,658 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0687% | 1,903 |
| Cost of funding earning assets | 1.1974% | 7,111 |
| Net interest margin | 4.8713% | 574 |
| Noninterest income to average assets | 1.3947% | 784 |
| Noninterest expense to average assets | 3.5291% | 2,257 |
| Loan and lease loss provision to assets | 0.6680% | 2,435 |
| Net operating income to assets | 1.1528% | 1,603 |
| Return on assets (ROA) | 1.1534% | 1,683 |
| Pretax return on assets | 1.6468% | 1,120 |
| Return on Equity (ROE) | 12.5675% | 1,266 |
| Retained earnings to average equity (ytd only) | 7.9376% | 1,230 |
| Net charge-offs to loans | 0.1457% | 4,726 |
| Credit loss provision to net charge-offs | 695.8333% | 673 |
| Earnings coverage of net charge-offs (x) | 24.1019% | 1,162 |
| Efficiency ratio | 60.2389% | 6,508 |
| Assets per employee ($millions) | 2.6548% | 6,944 |
| Cash dividends to net income (ytd only)* | 36.8401% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 2,739 |
| Loan loss allowance to noncurrent loans | 68.7674% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.5829% | 3,840 |
| Noncurrent loans to loans | 2.3275% | 3,106 |
| Net loans and leases to total assets | 64.1407% | 4,951 |
| Net loans and leases to deposits | 71.1166% | 5,856 |
| Net loans and leases to core deposits | 80.9894% | 6,323 |
| Total domestic deposits to total assets | 90.1910% | 749 |
| Equity capital to assets | 9.4076% | 4,738 |
| Core capital (leverage) ratio | 9.2206% | 4,277 |
| Tier 1 risk-based capital ratio | 12.0423% | 4,884 |
| Total risk-based capital ratio | 13.2938% | 4,800 |
| Memoranda: | ||
| Average total assets | $449,973,670 | 1,571 |
| Average earning assets | $410,898,330 | 1,585 |
| Average equity | $41,297,000 | 1,642 |
| Average total loans | $296,490,000 | 1,673 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2209% | 1,531 |
| Cost of funding earning assets | 1.2602% | 7,147 |
| Net interest margin | 4.9607% | 445 |
| Noninterest income to average assets | 1.3936% | 724 |
| Noninterest expense to average assets | 3.6198% | 1,822 |
| Loan and lease loss provision to assets | 0.6657% | 1,900 |
| Net operating income to assets | 1.1713% | 1,735 |
| Return on assets (ROA) | 1.1726% | 1,845 |
| Pretax return on assets | 1.6244% | 1,350 |
| Return on Equity (ROE) | 12.9380% | 1,409 |
| Retained earnings to average equity (ytd only) | 8.3054% | 1,705 |
| Net charge-offs to loans | 0.0844% | 4,323 |
| Credit loss provision to net charge-offs | 1,190.4762% | 539 |
| Earnings coverage of net charge-offs (x) | 40.9206% | 833 |
| Efficiency ratio | 61.1178% | 6,235 |
| Assets per employee ($millions) | 2.5801% | 7,131 |
| Cash dividends to net income (ytd only)* | 35.8062% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3816% | 3,607 |
| Loan loss allowance to noncurrent loans | 433.2272% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.3012% | 6,618 |
| Noncurrent loans to loans | 0.3189% | 6,644 |
| Net loans and leases to total assets | 64.8879% | 4,824 |
| Net loans and leases to deposits | 71.8047% | 5,767 |
| Net loans and leases to core deposits | 81.6223% | 6,258 |
| Total domestic deposits to total assets | 90.3672% | 655 |
| Equity capital to assets | 9.2162% | 5,070 |
| Core capital (leverage) ratio | 9.1501% | 4,481 |
| Tier 1 risk-based capital ratio | 13.0308% | 4,168 |
| Total risk-based capital ratio | 14.2815% | 4,083 |
| Memoranda: | ||
| Average total assets | $450,626,500 | 1,572 |
| Average earning assets | $410,100,500 | 1,588 |
| Average equity | $40,841,000 | 1,660 |
| Average total loans | $298,505,000 | 1,675 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4124% | 3,350 |
| Cost of funding earning assets | 1.8099% | 6,978 |
| Net interest margin | 4.6025% | 1,172 |
| Noninterest income to average assets | 1.3601% | 779 |
| Noninterest expense to average assets | 3.3022% | 2,955 |
| Loan and lease loss provision to assets | 0.3963% | 3,315 |
| Net operating income to assets | 1.3231% | 1,421 |
| Return on assets (ROA) | 1.3231% | 1,369 |
| Pretax return on assets | 1.8593% | 837 |
| Return on Equity (ROE) | 15.6833% | 817 |
| Retained earnings to average equity (ytd only) | 9.5113% | 519 |
| Net charge-offs to loans | 0.2499% | 3,775 |
| Credit loss provision to net charge-offs | 243.7669% | 1,908 |
| Earnings coverage of net charge-offs (x) | 13.8753% | 2,100 |
| Efficiency ratio | 59.2541% | 6,486 |
| Assets per employee ($millions) | 2.5411% | 7,131 |
| Cash dividends to net income (ytd only)* | 39.3541% | 3,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 5,095 |
| Loan loss allowance to noncurrent loans | 275.4870% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 6,223 |
| Noncurrent loans to loans | 0.4085% | 6,117 |
| Net loans and leases to total assets | 65.9338% | 4,858 |
| Net loans and leases to deposits | 72.6776% | 5,983 |
| Net loans and leases to core deposits | 82.5861% | 6,406 |
| Total domestic deposits to total assets | 90.7209% | 418 |
| Equity capital to assets | 8.9112% | 5,483 |
| Core capital (leverage) ratio | 8.8906% | 4,906 |
| Tier 1 risk-based capital ratio | 12.3581% | 4,543 |
| Total risk-based capital ratio | 13.4198% | 4,581 |
| Memoranda: | ||
| Average total assets | $453,995,400 | 1,512 |
| Average earning assets | $414,057,600 | 1,513 |
| Average equity | $38,301,800 | 1,762 |
| Average total loans | $295,304,000 | 1,636 |