Home > The Union Bank > Performance and Condition Ratios
The Union Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3891% | 716 |
| Cost of funding earning assets | 0.9642% | 1,915 |
| Net interest margin | 4.4249% | 893 |
| Noninterest income to average assets | 0.6157% | 2,128 |
| Noninterest expense to average assets | 2.9032% | 2,258 |
| Loan and lease loss provision to assets | 0.2674% | 582 |
| Net operating income to assets | 1.1019% | 2,557 |
| Return on assets (ROA) | 1.1015% | 2,653 |
| Pretax return on assets | 1.3729% | 2,412 |
| Return on Equity (ROE) | 10.4399% | 2,236 |
| Retained earnings to average equity (ytd only) | 10.4399% | 642 |
| Net charge-offs to loans | 0.3185% | 541 |
| Credit loss provision to net charge-offs | 119.5900% | 1,958 |
| Earnings coverage of net charge-offs (x) | 7.3394% | 2,753 |
| Efficiency ratio | 63.8911% | 3,027 |
| Assets per employee ($millions) | 3.0949% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7003% | 4,653 |
| Loan loss allowance to noncurrent loans | 26.6544% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 2.6655% | 232 |
| Noncurrent loans to loans | 2.6273% | 422 |
| Net loans and leases to total assets | 71.8149% | 2,202 |
| Net loans and leases to deposits | 90.6899% | 1,609 |
| Net loans and leases to core deposits | 97.5692% | 1,852 |
| Total domestic deposits to total assets | 79.1873% | 4,146 |
| Equity capital to assets | 11.2295% | 2,895 |
| Core capital (leverage) ratio | 10.9550% | 2,683 |
| Tier 1 risk-based capital ratio | 14.8309% | 2,934 |
| Total risk-based capital ratio | 15.5082% | 3,097 |
| Memoranda: | ||
| Average total assets | $261,818,000 | 2,403 |
| Average earning assets | $232,439,000 | 2,476 |
| Average equity | $27,624,000 | 2,531 |
| Average total loans | $183,769,250 | 2,305 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3182% | 784 |
| Cost of funding earning assets | 0.9236% | 2,034 |
| Net interest margin | 4.3946% | 951 |
| Noninterest income to average assets | 0.6035% | 2,132 |
| Noninterest expense to average assets | 2.8915% | 2,304 |
| Loan and lease loss provision to assets | 0.0190% | 3,411 |
| Net operating income to assets | 1.2576% | 1,930 |
| Return on assets (ROA) | 1.2654% | 1,960 |
| Pretax return on assets | 1.5964% | 1,556 |
| Return on Equity (ROE) | 12.2498% | 1,491 |
| Retained earnings to average equity (ytd only) | 12.2498% | 380 |
| Net charge-offs to loans | -0.0666% | 4,907 |
| Credit loss provision to net charge-offs | -40.9836% | 3,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2978% | 3,086 |
| Assets per employee ($millions) | 3.0750% | 4,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7002% | 4,714 |
| Loan loss allowance to noncurrent loans | 46.2496% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 1.8036% | 562 |
| Noncurrent loans to loans | 1.5139% | 1,017 |
| Net loans and leases to total assets | 70.5947% | 2,450 |
| Net loans and leases to deposits | 88.2813% | 1,969 |
| Net loans and leases to core deposits | 95.0358% | 2,151 |
| Total domestic deposits to total assets | 79.9656% | 4,049 |
| Equity capital to assets | 10.7682% | 3,293 |
| Core capital (leverage) ratio | 10.7292% | 2,865 |
| Tier 1 risk-based capital ratio | 15.3521% | 2,681 |
| Total risk-based capital ratio | 16.0657% | 2,837 |
| Memoranda: | ||
| Average total assets | $263,465,000 | 2,396 |
| Average earning assets | $233,423,330 | 2,475 |
| Average equity | $27,216,670 | 2,555 |
| Average total loans | $183,100,000 | 2,314 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3400% | 705 |
| Cost of funding earning assets | 0.8883% | 2,058 |
| Net interest margin | 4.4517% | 813 |
| Noninterest income to average assets | 0.6004% | 2,043 |
| Noninterest expense to average assets | 2.7401% | 2,777 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4402% | 1,268 |
| Return on assets (ROA) | 1.4427% | 1,287 |
| Pretax return on assets | 1.7965% | 984 |
| Return on Equity (ROE) | 14.2641% | 909 |
| Retained earnings to average equity (ytd only) | 14.2641% | 334 |
| Net charge-offs to loans | -0.2553% | 5,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4403% | 3,749 |
| Assets per employee ($millions) | 3.0304% | 4,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7282% | 4,719 |
| Loan loss allowance to noncurrent loans | 36.6942% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 1.9776% | 506 |
| Noncurrent loans to loans | 1.9846% | 751 |
| Net loans and leases to total assets | 69.6709% | 2,534 |
| Net loans and leases to deposits | 86.3093% | 2,096 |
| Net loans and leases to core deposits | 92.2647% | 2,278 |
| Total domestic deposits to total assets | 80.7224% | 4,018 |
| Equity capital to assets | 10.4598% | 3,380 |
| Core capital (leverage) ratio | 10.4215% | 3,142 |
| Tier 1 risk-based capital ratio | 14.6439% | 3,038 |
| Total risk-based capital ratio | 15.3590% | 3,214 |
| Memoranda: | ||
| Average total assets | $264,512,000 | 2,406 |
| Average earning assets | $233,707,500 | 2,498 |
| Average equity | $26,752,500 | 2,590 |
| Average total loans | $181,742,500 | 2,351 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1730% | 734 |
| Cost of funding earning assets | 0.8784% | 1,182 |
| Net interest margin | 4.2946% | 1,172 |
| Noninterest income to average assets | 0.6154% | 2,216 |
| Noninterest expense to average assets | 2.9761% | 2,110 |
| Loan and lease loss provision to assets | 0.0737% | 2,660 |
| Net operating income to assets | 1.0900% | 2,647 |
| Return on assets (ROA) | 1.0900% | 2,637 |
| Pretax return on assets | 1.3618% | 2,267 |
| Return on Equity (ROE) | 11.9290% | 1,738 |
| Retained earnings to average equity (ytd only) | 11.4306% | 380 |
| Net charge-offs to loans | 0.0687% | 2,135 |
| Credit loss provision to net charge-offs | 160.4839% | 1,733 |
| Earnings coverage of net charge-offs (x) | 31.2661% | 1,552 |
| Efficiency ratio | 67.4612% | 2,635 |
| Assets per employee ($millions) | 3.1952% | 4,843 |
| Cash dividends to net income (ytd only)* | 4.1780% | 3,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6734% | 4,859 |
| Loan loss allowance to noncurrent loans | 37.9407% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.7623% | 592 |
| Noncurrent loans to loans | 1.7749% | 803 |
| Net loans and leases to total assets | 66.8281% | 3,025 |
| Net loans and leases to deposits | 81.7750% | 2,761 |
| Net loans and leases to core deposits | 86.7514% | 2,863 |
| Total domestic deposits to total assets | 81.7220% | 3,714 |
| Equity capital to assets | 9.7413% | 3,917 |
| Core capital (leverage) ratio | 9.8090% | 3,784 |
| Tier 1 risk-based capital ratio | 15.7906% | 2,499 |
| Total risk-based capital ratio | 16.5228% | 2,641 |
| Memoranda: | ||
| Average total assets | $270,081,400 | 2,333 |
| Average earning assets | $238,741,400 | 2,421 |
| Average equity | $24,679,400 | 2,664 |
| Average total loans | $180,559,800 | 2,329 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1344% | 712 |
| Cost of funding earning assets | 0.8749% | 1,013 |
| Net interest margin | 4.2595% | 1,213 |
| Noninterest income to average assets | 0.5890% | 2,371 |
| Noninterest expense to average assets | 2.8972% | 2,311 |
| Loan and lease loss provision to assets | 0.0981% | 2,028 |
| Net operating income to assets | 1.0878% | 2,722 |
| Return on assets (ROA) | 1.0878% | 2,728 |
| Pretax return on assets | 1.3589% | 2,385 |
| Return on Equity (ROE) | 12.1029% | 1,757 |
| Retained earnings to average equity (ytd only) | 12.1029% | 466 |
| Net charge-offs to loans | 0.0768% | 1,755 |
| Credit loss provision to net charge-offs | 191.3462% | 1,437 |
| Earnings coverage of net charge-offs (x) | 28.4237% | 1,664 |
| Efficiency ratio | 66.5384% | 2,779 |
| Assets per employee ($millions) | 3.1286% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6766% | 4,919 |
| Loan loss allowance to noncurrent loans | 38.3540% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 1.7539% | 681 |
| Noncurrent loans to loans | 1.7642% | 876 |
| Net loans and leases to total assets | 67.3774% | 3,025 |
| Net loans and leases to deposits | 82.4544% | 2,768 |
| Net loans and leases to core deposits | 87.3578% | 2,887 |
| Total domestic deposits to total assets | 81.7148% | 3,687 |
| Equity capital to assets | 9.4730% | 4,103 |
| Core capital (leverage) ratio | 9.5439% | 4,123 |
| Tier 1 risk-based capital ratio | 14.2042% | 3,269 |
| Total risk-based capital ratio | 14.8892% | 3,466 |
| Memoranda: | ||
| Average total assets | $270,503,500 | 2,335 |
| Average earning assets | $239,112,750 | 2,428 |
| Average equity | $24,313,000 | 2,708 |
| Average total loans | $180,555,250 | 2,339 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1201% | 639 |
| Cost of funding earning assets | 0.8662% | 847 |
| Net interest margin | 4.2539% | 1,151 |
| Noninterest income to average assets | 0.5801% | 2,433 |
| Noninterest expense to average assets | 2.9670% | 2,141 |
| Loan and lease loss provision to assets | 0.1469% | 1,297 |
| Net operating income to assets | 0.9787% | 3,113 |
| Return on assets (ROA) | 0.9787% | 3,119 |
| Pretax return on assets | 1.2215% | 2,870 |
| Return on Equity (ROE) | 11.0863% | 2,073 |
| Retained earnings to average equity (ytd only) | 11.0863% | 651 |
| Net charge-offs to loans | 0.0600% | 1,747 |
| Credit loss provision to net charge-offs | 368.5185% | 872 |
| Earnings coverage of net charge-offs (x) | 34.3333% | 1,398 |
| Efficiency ratio | 68.4372% | 2,571 |
| Assets per employee ($millions) | 3.1460% | 4,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7174% | 4,909 |
| Loan loss allowance to noncurrent loans | 55.4596% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.4108% | 973 |
| Noncurrent loans to loans | 1.2936% | 1,319 |
| Net loans and leases to total assets | 65.7260% | 3,184 |
| Net loans and leases to deposits | 80.0521% | 2,942 |
| Net loans and leases to core deposits | 85.0457% | 3,006 |
| Total domestic deposits to total assets | 82.1040% | 3,686 |
| Equity capital to assets | 9.0947% | 4,483 |
| Core capital (leverage) ratio | 9.1518% | 4,518 |
| Tier 1 risk-based capital ratio | 15.7652% | 2,533 |
| Total risk-based capital ratio | 16.5844% | 2,648 |
| Memoranda: | ||
| Average total assets | $270,985,000 | 2,343 |
| Average earning assets | $239,216,000 | 2,436 |
| Average equity | $23,921,330 | 2,758 |
| Average total loans | $179,900,330 | 2,356 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0901% | 597 |
| Cost of funding earning assets | 0.8590% | 734 |
| Net interest margin | 4.2312% | 1,101 |
| Noninterest income to average assets | 0.6268% | 2,143 |
| Noninterest expense to average assets | 3.0044% | 2,050 |
| Loan and lease loss provision to assets | 0.2581% | 562 |
| Net operating income to assets | 0.8732% | 3,404 |
| Return on assets (ROA) | 0.8732% | 3,420 |
| Pretax return on assets | 1.0914% | 3,202 |
| Return on Equity (ROE) | 10.0428% | 2,402 |
| Retained earnings to average equity (ytd only) | 10.0428% | 1,140 |
| Net charge-offs to loans | 0.0887% | 1,273 |
| Credit loss provision to net charge-offs | 437.5000% | 652 |
| Earnings coverage of net charge-offs (x) | 22.8750% | 1,392 |
| Efficiency ratio | 69.0041% | 2,665 |
| Assets per employee ($millions) | 3.1170% | 5,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7097% | 5,011 |
| Loan loss allowance to noncurrent loans | 62.0740% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.3630% | 1,078 |
| Noncurrent loans to loans | 1.1432% | 1,601 |
| Net loans and leases to total assets | 65.7835% | 3,065 |
| Net loans and leases to deposits | 79.7234% | 2,840 |
| Net loans and leases to core deposits | 84.3974% | 2,942 |
| Total domestic deposits to total assets | 82.5147% | 3,808 |
| Equity capital to assets | 8.7858% | 4,755 |
| Core capital (leverage) ratio | 8.9245% | 4,768 |
| Tier 1 risk-based capital ratio | 13.7210% | 3,533 |
| Total risk-based capital ratio | 14.4501% | 3,741 |
| Memoranda: | ||
| Average total assets | $271,201,500 | 2,361 |
| Average earning assets | $238,894,000 | 2,458 |
| Average equity | $23,579,000 | 2,815 |
| Average total loans | $180,296,500 | 2,359 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0754% | 561 |
| Cost of funding earning assets | 0.8483% | 484 |
| Net interest margin | 4.2271% | 1,133 |
| Noninterest income to average assets | 0.5941% | 2,477 |
| Noninterest expense to average assets | 2.9432% | 2,305 |
| Loan and lease loss provision to assets | 0.1244% | 1,836 |
| Net operating income to assets | 1.0295% | 2,121 |
| Return on assets (ROA) | 1.0295% | 2,155 |
| Pretax return on assets | 1.2790% | 2,436 |
| Return on Equity (ROE) | 10.9356% | 1,508 |
| Retained earnings to average equity (ytd only) | -0.5143% | 5,119 |
| Net charge-offs to loans | 0.1725% | 1,433 |
| Credit loss provision to net charge-offs | 106.7093% | 2,425 |
| Earnings coverage of net charge-offs (x) | 12.0383% | 2,512 |
| Efficiency ratio | 67.7121% | 2,950 |
| Assets per employee ($millions) | 3.1181% | 5,110 |
| Cash dividends to net income (ytd only)* | 104.7033% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6301% | 5,190 |
| Loan loss allowance to noncurrent loans | 56.9715% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.3595% | 1,050 |
| Noncurrent loans to loans | 1.1060% | 1,600 |
| Net loans and leases to total assets | 66.2758% | 3,061 |
| Net loans and leases to deposits | 80.0738% | 2,911 |
| Net loans and leases to core deposits | 84.9468% | 2,989 |
| Total domestic deposits to total assets | 82.7683% | 3,641 |
| Equity capital to assets | 8.6013% | 5,037 |
| Core capital (leverage) ratio | 8.7282% | 4,925 |
| Tier 1 risk-based capital ratio | 14.0755% | 3,320 |
| Total risk-based capital ratio | 14.7611% | 3,530 |
| Memoranda: | ||
| Average total assets | $268,486,600 | 2,359 |
| Average earning assets | $238,345,600 | 2,440 |
| Average equity | $25,275,200 | 2,657 |
| Average total loans | $181,486,000 | 2,311 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0360% | 567 |
| Cost of funding earning assets | 0.8445% | 465 |
| Net interest margin | 4.1915% | 1,171 |
| Noninterest income to average assets | 0.5910% | 2,530 |
| Noninterest expense to average assets | 2.9017% | 2,406 |
| Loan and lease loss provision to assets | 0.1499% | 1,396 |
| Net operating income to assets | 0.8106% | 3,480 |
| Return on assets (ROA) | 0.8106% | 3,530 |
| Pretax return on assets | 1.2636% | 2,653 |
| Return on Equity (ROE) | 8.4260% | 2,918 |
| Retained earnings to average equity (ytd only) | 5.6312% | 2,467 |
| Net charge-offs to loans | 0.1387% | 1,416 |
| Credit loss provision to net charge-offs | 159.2593% | 1,609 |
| Earnings coverage of net charge-offs (x) | 15.0214% | 2,258 |
| Efficiency ratio | 67.2436% | 3,010 |
| Assets per employee ($millions) | 3.0385% | 5,234 |
| Cash dividends to net income (ytd only)* | 33.1695% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6645% | 5,216 |
| Loan loss allowance to noncurrent loans | 79.2149% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.3286% | 1,206 |
| Noncurrent loans to loans | 0.8389% | 2,261 |
| Net loans and leases to total assets | 69.6112% | 2,615 |
| Net loans and leases to deposits | 85.9562% | 2,299 |
| Net loans and leases to core deposits | 91.3498% | 2,505 |
| Total domestic deposits to total assets | 80.9845% | 4,050 |
| Equity capital to assets | 9.9918% | 3,917 |
| Core capital (leverage) ratio | 9.9739% | 3,600 |
| Tier 1 risk-based capital ratio | 14.6934% | 3,073 |
| Total risk-based capital ratio | 15.3791% | 3,293 |
| Memoranda: | ||
| Average total assets | $267,789,750 | 2,378 |
| Average earning assets | $237,935,750 | 2,461 |
| Average equity | $25,760,750 | 2,643 |
| Average total loans | $181,625,250 | 2,317 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9271% | 657 |
| Cost of funding earning assets | 0.8277% | 455 |
| Net interest margin | 4.0993% | 1,326 |
| Noninterest income to average assets | 0.5682% | 2,616 |
| Noninterest expense to average assets | 2.9375% | 2,302 |
| Loan and lease loss provision to assets | 0.0573% | 2,830 |
| Net operating income to assets | 0.8180% | 3,310 |
| Return on assets (ROA) | 0.8180% | 3,362 |
| Pretax return on assets | 1.2122% | 2,729 |
| Return on Equity (ROE) | 8.6128% | 2,714 |
| Retained earnings to average equity (ytd only) | 4.8623% | 2,803 |
| Net charge-offs to loans | 0.0654% | 1,995 |
| Credit loss provision to net charge-offs | 130.5085% | 1,676 |
| Earnings coverage of net charge-offs (x) | 28.9322% | 1,490 |
| Efficiency ratio | 69.8250% | 2,698 |
| Assets per employee ($millions) | 3.0381% | 5,232 |
| Cash dividends to net income (ytd only)* | 43.5455% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6246% | 5,343 |
| Loan loss allowance to noncurrent loans | 54.3239% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 1.5028% | 1,013 |
| Noncurrent loans to loans | 1.1498% | 1,701 |
| Net loans and leases to total assets | 68.4378% | 2,745 |
| Net loans and leases to deposits | 84.3290% | 2,427 |
| Net loans and leases to core deposits | 91.8788% | 2,348 |
| Total domestic deposits to total assets | 81.1557% | 4,145 |
| Equity capital to assets | 9.8156% | 4,115 |
| Core capital (leverage) ratio | 9.6979% | 3,899 |
| Tier 1 risk-based capital ratio | 15.6662% | 2,637 |
| Total risk-based capital ratio | 16.3536% | 2,817 |
| Memoranda: | ||
| Average total assets | $268,937,330 | 2,378 |
| Average earning assets | $238,721,000 | 2,461 |
| Average equity | $25,543,330 | 2,664 |
| Average total loans | $180,418,330 | 2,335 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0485% | 482 |
| Cost of funding earning assets | 0.7950% | 505 |
| Net interest margin | 4.2534% | 881 |
| Noninterest income to average assets | 0.5574% | 2,624 |
| Noninterest expense to average assets | 2.8564% | 2,594 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1193% | 1,796 |
| Return on assets (ROA) | 1.1193% | 1,833 |
| Pretax return on assets | 1.4879% | 1,577 |
| Return on Equity (ROE) | 11.9796% | 1,242 |
| Retained earnings to average equity (ytd only) | 4.4194% | 3,218 |
| Net charge-offs to loans | 0.0156% | 2,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 144.1429% | 378 |
| Efficiency ratio | 65.7502% | 3,539 |
| Assets per employee ($millions) | 3.0996% | 5,270 |
| Cash dividends to net income (ytd only)* | 63.1094% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6219% | 5,445 |
| Loan loss allowance to noncurrent loans | 36.8578% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 1.7548% | 833 |
| Noncurrent loans to loans | 1.6873% | 1,140 |
| Net loans and leases to total assets | 65.8953% | 2,989 |
| Net loans and leases to deposits | 88.6369% | 1,718 |
| Net loans and leases to core deposits | 97.4210% | 1,710 |
| Total domestic deposits to total assets | 74.3430% | 5,387 |
| Equity capital to assets | 9.4708% | 4,308 |
| Core capital (leverage) ratio | 9.5151% | 4,109 |
| Tier 1 risk-based capital ratio | 15.8279% | 2,614 |
| Total risk-based capital ratio | 16.5162% | 2,784 |
| Memoranda: | ||
| Average total assets | $271,249,500 | 2,386 |
| Average earning assets | $241,498,500 | 2,458 |
| Average equity | $25,343,000 | 2,689 |
| Average total loans | $179,614,000 | 2,366 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0658% | 531 |
| Cost of funding earning assets | 0.8254% | 443 |
| Net interest margin | 4.2403% | 1,032 |
| Noninterest income to average assets | 0.6822% | 2,253 |
| Noninterest expense to average assets | 2.9236% | 2,593 |
| Loan and lease loss provision to assets | 0.3110% | 603 |
| Net operating income to assets | 1.2003% | 1,512 |
| Return on assets (ROA) | 1.2089% | 1,560 |
| Pretax return on assets | 1.2175% | 2,598 |
| Return on Equity (ROE) | 12.5452% | 1,104 |
| Retained earnings to average equity (ytd only) | 9.4937% | 499 |
| Net charge-offs to loans | 0.4385% | 580 |
| Credit loss provision to net charge-offs | 105.8981% | 2,458 |
| Earnings coverage of net charge-offs (x) | 5.1756% | 3,376 |
| Efficiency ratio | 65.7955% | 3,626 |
| Assets per employee ($millions) | 3.1388% | 5,231 |
| Cash dividends to net income (ytd only)* | 24.3243% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6202% | 5,494 |
| Loan loss allowance to noncurrent loans | 45.3404% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 1.5146% | 1,089 |
| Noncurrent loans to loans | 1.3679% | 1,499 |
| Net loans and leases to total assets | 65.6600% | 3,120 |
| Net loans and leases to deposits | 88.7239% | 1,840 |
| Net loans and leases to core deposits | 98.3139% | 1,750 |
| Total domestic deposits to total assets | 74.0049% | 5,445 |
| Equity capital to assets | 9.2966% | 4,477 |
| Core capital (leverage) ratio | 9.5438% | 4,027 |
| Tier 1 risk-based capital ratio | 12.5169% | 4,368 |
| Total risk-based capital ratio | 13.0655% | 4,748 |
| Memoranda: | ||
| Average total assets | $254,039,400 | 2,473 |
| Average earning assets | $225,335,600 | 2,546 |
| Average equity | $24,479,400 | 2,762 |
| Average total loans | $170,108,000 | 2,416 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0360% | 556 |
| Cost of funding earning assets | 0.8394% | 405 |
| Net interest margin | 4.1966% | 1,125 |
| Noninterest income to average assets | 0.6975% | 2,178 |
| Noninterest expense to average assets | 2.9129% | 2,604 |
| Loan and lease loss provision to assets | 0.3712% | 413 |
| Net operating income to assets | 1.1190% | 1,922 |
| Return on assets (ROA) | 1.1307% | 1,990 |
| Pretax return on assets | 1.1419% | 3,076 |
| Return on Equity (ROE) | 11.6219% | 1,443 |
| Retained earnings to average equity (ytd only) | 8.1914% | 1,094 |
| Net charge-offs to loans | 0.5659% | 372 |
| Credit loss provision to net charge-offs | 97.6090% | 2,412 |
| Earnings coverage of net charge-offs (x) | 3.9479% | 3,333 |
| Efficiency ratio | 65.9881% | 3,596 |
| Assets per employee ($millions) | 2.8871% | 5,479 |
| Cash dividends to net income (ytd only)* | 29.5175% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6161% | 5,575 |
| Loan loss allowance to noncurrent loans | 58.4530% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 1.4241% | 1,295 |
| Noncurrent loans to loans | 1.0541% | 2,136 |
| Net loans and leases to total assets | 67.9425% | 2,810 |
| Net loans and leases to deposits | 87.6399% | 2,061 |
| Net loans and leases to core deposits | 97.7764% | 1,833 |
| Total domestic deposits to total assets | 77.5246% | 4,998 |
| Equity capital to assets | 9.8703% | 4,277 |
| Core capital (leverage) ratio | 9.8780% | 3,723 |
| Tier 1 risk-based capital ratio | 15.3918% | 2,872 |
| Total risk-based capital ratio | 16.0511% | 3,080 |
| Memoranda: | ||
| Average total assets | $249,279,750 | 2,518 |
| Average earning assets | $220,777,000 | 2,602 |
| Average equity | $24,252,500 | 2,798 |
| Average total loans | $167,529,500 | 2,442 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0229% | 563 |
| Cost of funding earning assets | 0.8478% | 383 |
| Net interest margin | 4.1752% | 1,171 |
| Noninterest income to average assets | 0.8132% | 1,662 |
| Noninterest expense to average assets | 2.8080% | 3,002 |
| Loan and lease loss provision to assets | 0.5148% | 250 |
| Net operating income to assets | 1.1824% | 1,663 |
| Return on assets (ROA) | 1.2001% | 1,693 |
| Pretax return on assets | 1.2001% | 2,782 |
| Return on Equity (ROE) | 12.3958% | 1,187 |
| Retained earnings to average equity (ytd only) | 12.3958% | 281 |
| Net charge-offs to loans | 0.7681% | 265 |
| Credit loss provision to net charge-offs | 100.3135% | 2,082 |
| Earnings coverage of net charge-offs (x) | 3.3072% | 3,129 |
| Efficiency ratio | 62.3282% | 4,294 |
| Assets per employee ($millions) | 2.8573% | 5,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6405% | 5,629 |
| Loan loss allowance to noncurrent loans | 60.1004% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 1.4743% | 1,312 |
| Noncurrent loans to loans | 1.0657% | 2,158 |
| Net loans and leases to total assets | 67.2077% | 2,913 |
| Net loans and leases to deposits | 87.9908% | 1,997 |
| Net loans and leases to core deposits | 98.7627% | 1,748 |
| Total domestic deposits to total assets | 76.3804% | 5,237 |
| Equity capital to assets | 9.9909% | 4,239 |
| Core capital (leverage) ratio | 9.8883% | 3,699 |
| Tier 1 risk-based capital ratio | 13.1527% | 4,105 |
| Total risk-based capital ratio | 13.7262% | 4,447 |
| Memoranda: | ||
| Average total assets | $248,647,330 | 2,543 |
| Average earning assets | $219,871,670 | 2,617 |
| Average equity | $24,072,670 | 2,828 |
| Average total loans | $166,134,670 | 2,458 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0364% | 541 |
| Cost of funding earning assets | 0.8333% | 416 |
| Net interest margin | 4.2030% | 1,091 |
| Noninterest income to average assets | 0.8943% | 1,327 |
| Noninterest expense to average assets | 2.7168% | 3,358 |
| Loan and lease loss provision to assets | 0.4681% | 272 |
| Net operating income to assets | 1.4251% | 995 |
| Return on assets (ROA) | 1.4251% | 1,042 |
| Pretax return on assets | 1.4251% | 1,821 |
| Return on Equity (ROE) | 14.9593% | 674 |
| Retained earnings to average equity (ytd only) | 14.9593% | 249 |
| Net charge-offs to loans | 0.8696% | 234 |
| Credit loss provision to net charge-offs | 81.0585% | 1,831 |
| Earnings coverage of net charge-offs (x) | 3.2786% | 2,564 |
| Efficiency ratio | 58.9323% | 4,881 |
| Assets per employee ($millions) | 2.8639% | 5,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6065% | 5,733 |
| Loan loss allowance to noncurrent loans | 36.9677% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 1.5312% | 1,320 |
| Noncurrent loans to loans | 1.6406% | 1,394 |
| Net loans and leases to total assets | 66.2367% | 2,912 |
| Net loans and leases to deposits | 85.7242% | 2,087 |
| Net loans and leases to core deposits | 95.6924% | 1,829 |
| Total domestic deposits to total assets | 77.2672% | 5,255 |
| Equity capital to assets | 9.6968% | 4,450 |
| Core capital (leverage) ratio | 9.7585% | 3,831 |
| Tier 1 risk-based capital ratio | 13.0412% | 4,239 |
| Total risk-based capital ratio | 13.5863% | 4,599 |
| Memoranda: | ||
| Average total assets | $248,678,000 | 2,553 |
| Average earning assets | $219,841,000 | 2,624 |
| Average equity | $23,691,000 | 2,858 |
| Average total loans | $165,129,000 | 2,465 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2235% | 416 |
| Cost of funding earning assets | 0.9379% | 239 |
| Net interest margin | 4.2857% | 990 |
| Noninterest income to average assets | 0.7273% | 2,081 |
| Noninterest expense to average assets | 3.1647% | 2,051 |
| Loan and lease loss provision to assets | -0.2699% | 6,045 |
| Net operating income to assets | 1.6027% | 700 |
| Return on assets (ROA) | 1.6302% | 678 |
| Pretax return on assets | 1.6302% | 1,169 |
| Return on Equity (ROE) | 18.0091% | 378 |
| Retained earnings to average equity (ytd only) | 11.8070% | 271 |
| Net charge-offs to loans | 0.2824% | 1,075 |
| Credit loss provision to net charge-offs | -139.5699% | 5,212 |
| Earnings coverage of net charge-offs (x) | 6.8925% | 3,154 |
| Efficiency ratio | 70.3652% | 3,164 |
| Assets per employee ($millions) | 2.8529% | 5,657 |
| Cash dividends to net income (ytd only)* | 34.4388% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6546% | 5,716 |
| Loan loss allowance to noncurrent loans | 35.4551% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 1.7574% | 1,084 |
| Noncurrent loans to loans | 1.8463% | 1,169 |
| Net loans and leases to total assets | 65.7306% | 3,023 |
| Net loans and leases to deposits | 83.6310% | 2,405 |
| Net loans and leases to core deposits | 92.8701% | 2,143 |
| Total domestic deposits to total assets | 78.5960% | 5,051 |
| Equity capital to assets | 9.3561% | 4,725 |
| Core capital (leverage) ratio | 9.5855% | 4,063 |
| Tier 1 risk-based capital ratio | 14.9411% | 3,203 |
| Total risk-based capital ratio | 15.8167% | 3,321 |
| Memoranda: | ||
| Average total assets | $240,466,800 | 2,577 |
| Average earning assets | $211,543,000 | 2,661 |
| Average equity | $21,766,800 | 2,999 |
| Average total loans | $164,661,600 | 2,407 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2943% | 376 |
| Cost of funding earning assets | 0.9593% | 213 |
| Net interest margin | 4.3351% | 896 |
| Noninterest income to average assets | 0.6674% | 2,401 |
| Noninterest expense to average assets | 3.2257% | 1,896 |
| Loan and lease loss provision to assets | 0.1984% | 1,018 |
| Net operating income to assets | 1.0525% | 2,203 |
| Return on assets (ROA) | 1.0525% | 2,300 |
| Pretax return on assets | 1.0525% | 3,400 |
| Return on Equity (ROE) | 11.7303% | 1,452 |
| Retained earnings to average equity (ytd only) | 3.8312% | 3,748 |
| Net charge-offs to loans | 0.3301% | 797 |
| Credit loss provision to net charge-offs | 87.0098% | 2,511 |
| Earnings coverage of net charge-offs (x) | 5.4853% | 3,197 |
| Efficiency ratio | 72.0564% | 2,870 |
| Assets per employee ($millions) | 2.7519% | 5,799 |
| Cash dividends to net income (ytd only)* | 67.3393% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 3,328 |
| Loan loss allowance to noncurrent loans | 57.7766% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 2.1085% | 934 |
| Noncurrent loans to loans | 2.1759% | 1,022 |
| Net loans and leases to total assets | 70.0763% | 2,372 |
| Net loans and leases to deposits | 89.8887% | 1,665 |
| Net loans and leases to core deposits | 100.3265% | 1,484 |
| Total domestic deposits to total assets | 77.9589% | 5,192 |
| Equity capital to assets | 8.9323% | 5,368 |
| Core capital (leverage) ratio | 8.7715% | 5,272 |
| Tier 1 risk-based capital ratio | 11.8099% | 5,194 |
| Total risk-based capital ratio | 13.0608% | 5,117 |
| Memoranda: | ||
| Average total assets | $238,533,250 | 2,602 |
| Average earning assets | $209,602,000 | 2,702 |
| Average equity | $21,402,750 | 3,058 |
| Average total loans | $164,772,250 | 2,426 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3423% | 340 |
| Cost of funding earning assets | 0.9710% | 200 |
| Net interest margin | 4.3714% | 805 |
| Noninterest income to average assets | 0.6327% | 2,565 |
| Noninterest expense to average assets | 3.1164% | 2,195 |
| Loan and lease loss provision to assets | 0.2853% | 565 |
| Net operating income to assets | 1.0690% | 2,059 |
| Return on assets (ROA) | 1.0690% | 2,161 |
| Pretax return on assets | 1.0690% | 3,306 |
| Return on Equity (ROE) | 11.9017% | 1,399 |
| Retained earnings to average equity (ytd only) | 9.7157% | 725 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7072% | 3,378 |
| Assets per employee ($millions) | 2.7930% | 5,821 |
| Cash dividends to net income (ytd only)* | 18.3673% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5353% | 2,136 |
| Loan loss allowance to noncurrent loans | 88.6165% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.7836% | 1,298 |
| Noncurrent loans to loans | 1.7325% | 1,485 |
| Net loans and leases to total assets | 66.7748% | 2,827 |
| Net loans and leases to deposits | 84.7942% | 2,210 |
| Net loans and leases to core deposits | 94.7785% | 1,889 |
| Total domestic deposits to total assets | 78.7492% | 5,148 |
| Equity capital to assets | 8.9603% | 5,276 |
| Core capital (leverage) ratio | 8.8842% | 5,112 |
| Tier 1 risk-based capital ratio | 13.2621% | 4,368 |
| Total risk-based capital ratio | 14.5175% | 4,301 |
| Memoranda: | ||
| Average total assets | $238,349,330 | 2,625 |
| Average earning assets | $209,271,330 | 2,718 |
| Average equity | $21,408,670 | 3,069 |
| Average total loans | $163,060,670 | 2,450 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3992% | 303 |
| Cost of funding earning assets | 0.9671% | 208 |
| Net interest margin | 4.4321% | 683 |
| Noninterest income to average assets | 0.6084% | 2,602 |
| Noninterest expense to average assets | 3.0166% | 2,530 |
| Loan and lease loss provision to assets | 0.2423% | 692 |
| Net operating income to assets | 1.2405% | 1,431 |
| Return on assets (ROA) | 1.2405% | 1,516 |
| Pretax return on assets | 1.2405% | 2,511 |
| Return on Equity (ROE) | 13.7941% | 915 |
| Retained earnings to average equity (ytd only) | 13.3230% | 414 |
| Net charge-offs to loans | -0.0025% | 4,371 |
| Credit loss provision to net charge-offs | -14,300.0000% | 5,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0433% | 3,983 |
| Assets per employee ($millions) | 2.7545% | 5,932 |
| Cash dividends to net income (ytd only)* | 3.4153% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 2,764 |
| Loan loss allowance to noncurrent loans | 61.5080% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 2.1415% | 1,077 |
| Noncurrent loans to loans | 2.3347% | 1,054 |
| Net loans and leases to total assets | 66.8208% | 2,632 |
| Net loans and leases to deposits | 82.0977% | 2,330 |
| Net loans and leases to core deposits | 91.6233% | 1,976 |
| Total domestic deposits to total assets | 81.3917% | 4,705 |
| Equity capital to assets | 9.0093% | 5,277 |
| Core capital (leverage) ratio | 9.0782% | 4,866 |
| Tier 1 risk-based capital ratio | 13.6119% | 4,272 |
| Total risk-based capital ratio | 14.8666% | 4,182 |
| Memoranda: | ||
| Average total assets | $236,027,500 | 2,665 |
| Average earning assets | $207,215,500 | 2,756 |
| Average equity | $21,226,500 | 3,112 |
| Average total loans | $162,197,000 | 2,473 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2864% | 452 |
| Cost of funding earning assets | 0.9902% | 241 |
| Net interest margin | 4.2962% | 1,066 |
| Noninterest income to average assets | 0.6324% | 2,662 |
| Noninterest expense to average assets | 3.1188% | 2,460 |
| Loan and lease loss provision to assets | 0.3062% | 671 |
| Net operating income to assets | 0.9335% | 2,709 |
| Return on assets (ROA) | 0.9335% | 2,797 |
| Pretax return on assets | 0.9417% | 3,726 |
| Return on Equity (ROE) | 10.1474% | 2,049 |
| Retained earnings to average equity (ytd only) | -0.6451% | 5,870 |
| Net charge-offs to loans | 0.1687% | 2,347 |
| Credit loss provision to net charge-offs | 276.1719% | 922 |
| Earnings coverage of net charge-offs (x) | 11.2539% | 2,517 |
| Efficiency ratio | 71.4215% | 3,309 |
| Assets per employee ($millions) | 2.6703% | 6,047 |
| Cash dividends to net income (ytd only)* | 106.3573% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 3,166 |
| Loan loss allowance to noncurrent loans | 33.1667% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 3.4173% | 552 |
| Noncurrent loans to loans | 4.0758% | 441 |
| Net loans and leases to total assets | 68.7598% | 2,448 |
| Net loans and leases to deposits | 83.5593% | 2,267 |
| Net loans and leases to core deposits | 92.1776% | 2,071 |
| Total domestic deposits to total assets | 82.2886% | 4,317 |
| Equity capital to assets | 8.9390% | 5,348 |
| Core capital (leverage) ratio | 8.9455% | 5,069 |
| Tier 1 risk-based capital ratio | 13.0421% | 4,703 |
| Total risk-based capital ratio | 14.2953% | 4,613 |
| Memoranda: | ||
| Average total assets | $230,860,600 | 2,688 |
| Average earning assets | $200,665,200 | 2,800 |
| Average equity | $21,237,000 | 3,026 |
| Average total loans | $151,718,600 | 2,549 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2227% | 494 |
| Cost of funding earning assets | 1.0071% | 239 |
| Net interest margin | 4.2156% | 1,239 |
| Noninterest income to average assets | 0.6652% | 2,500 |
| Noninterest expense to average assets | 3.0027% | 2,790 |
| Loan and lease loss provision to assets | 0.0480% | 3,418 |
| Net operating income to assets | 1.2599% | 1,500 |
| Return on assets (ROA) | 1.2599% | 1,552 |
| Pretax return on assets | 1.2709% | 2,492 |
| Return on Equity (ROE) | 13.5987% | 1,074 |
| Retained earnings to average equity (ytd only) | -0.7118% | 5,911 |
| Net charge-offs to loans | 0.2628% | 1,483 |
| Credit loss provision to net charge-offs | 28.2313% | 3,479 |
| Earnings coverage of net charge-offs (x) | 7.7551% | 2,901 |
| Efficiency ratio | 69.4820% | 3,592 |
| Assets per employee ($millions) | 2.6108% | 6,148 |
| Cash dividends to net income (ytd only)* | 105.2339% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9490% | 5,432 |
| Loan loss allowance to noncurrent loans | 52.1338% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 2.0802% | 1,355 |
| Noncurrent loans to loans | 1.8204% | 1,768 |
| Net loans and leases to total assets | 70.1636% | 2,171 |
| Net loans and leases to deposits | 85.8606% | 1,921 |
| Net loans and leases to core deposits | 93.8846% | 1,880 |
| Total domestic deposits to total assets | 81.7180% | 4,582 |
| Equity capital to assets | 9.1445% | 5,217 |
| Core capital (leverage) ratio | 9.0238% | 5,043 |
| Tier 1 risk-based capital ratio | 13.1890% | 4,737 |
| Total risk-based capital ratio | 14.1639% | 4,832 |
| Memoranda: | ||
| Average total assets | $230,496,000 | 2,712 |
| Average earning assets | $199,918,500 | 2,826 |
| Average equity | $21,354,500 | 3,020 |
| Average total loans | $149,165,500 | 2,587 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1167% | 599 |
| Cost of funding earning assets | 1.0209% | 233 |
| Net interest margin | 4.0957% | 1,529 |
| Noninterest income to average assets | 0.6640% | 2,464 |
| Noninterest expense to average assets | 2.7364% | 3,744 |
| Loan and lease loss provision to assets | 0.0717% | 2,839 |
| Net operating income to assets | 1.4101% | 1,037 |
| Return on assets (ROA) | 1.4101% | 1,078 |
| Pretax return on assets | 1.4101% | 1,855 |
| Return on Equity (ROE) | 15.1562% | 771 |
| Retained earnings to average equity (ytd only) | 15.1562% | 208 |
| Net charge-offs to loans | 0.3635% | 1,126 |
| Credit loss provision to net charge-offs | 31.4394% | 3,039 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,760 |
| Efficiency ratio | 64.8721% | 4,556 |
| Assets per employee ($millions) | 2.6401% | 6,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 5,267 |
| Loan loss allowance to noncurrent loans | 79.8052% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.7332% | 1,877 |
| Noncurrent loans to loans | 1.2786% | 2,669 |
| Net loans and leases to total assets | 65.7549% | 2,793 |
| Net loans and leases to deposits | 81.1380% | 2,368 |
| Net loans and leases to core deposits | 88.5501% | 2,251 |
| Total domestic deposits to total assets | 81.0408% | 4,966 |
| Equity capital to assets | 9.7989% | 4,358 |
| Core capital (leverage) ratio | 9.7276% | 4,001 |
| Tier 1 risk-based capital ratio | 15.0127% | 3,635 |
| Total risk-based capital ratio | 16.0559% | 3,695 |
| Memoranda: | ||
| Average total assets | $231,614,000 | 2,708 |
| Average earning assets | $200,989,330 | 2,825 |
| Average equity | $21,549,000 | 2,992 |
| Average total loans | $145,254,670 | 2,650 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9369% | 812 |
| Cost of funding earning assets | 1.0423% | 224 |
| Net interest margin | 3.8947% | 2,106 |
| Noninterest income to average assets | 0.6776% | 2,305 |
| Noninterest expense to average assets | 2.8722% | 3,307 |
| Loan and lease loss provision to assets | 0.0292% | 3,440 |
| Net operating income to assets | 1.1695% | 1,568 |
| Return on assets (ROA) | 1.1695% | 1,640 |
| Pretax return on assets | 1.1695% | 2,618 |
| Return on Equity (ROE) | 12.9093% | 1,181 |
| Retained earnings to average equity (ytd only) | 12.9093% | 494 |
| Net charge-offs to loans | 0.7543% | 462 |
| Credit loss provision to net charge-offs | 6.3670% | 2,641 |
| Earnings coverage of net charge-offs (x) | 2.6105% | 2,843 |
| Efficiency ratio | 70.5534% | 3,737 |
| Assets per employee ($millions) | 2.6819% | 6,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 5,359 |
| Loan loss allowance to noncurrent loans | 162.8009% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 1.2617% | 2,751 |
| Noncurrent loans to loans | 0.6380% | 4,266 |
| Net loans and leases to total assets | 60.7576% | 3,436 |
| Net loans and leases to deposits | 73.8250% | 3,090 |
| Net loans and leases to core deposits | 78.4509% | 3,156 |
| Total domestic deposits to total assets | 82.2995% | 4,854 |
| Equity capital to assets | 9.2150% | 4,860 |
| Core capital (leverage) ratio | 9.2335% | 4,665 |
| Tier 1 risk-based capital ratio | 14.9962% | 3,714 |
| Total risk-based capital ratio | 16.0364% | 3,776 |
| Memoranda: | ||
| Average total assets | $232,577,000 | 2,718 |
| Average earning assets | $202,635,500 | 2,824 |
| Average equity | $21,070,000 | 3,043 |
| Average total loans | $141,588,000 | 2,713 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1064% | 754 |
| Cost of funding earning assets | 1.3030% | 107 |
| Net interest margin | 3.8034% | 2,646 |
| Noninterest income to average assets | 0.8085% | 2,043 |
| Noninterest expense to average assets | 3.2093% | 2,389 |
| Loan and lease loss provision to assets | 0.3529% | 893 |
| Net operating income to assets | 0.5322% | 4,590 |
| Return on assets (ROA) | 0.5494% | 4,635 |
| Pretax return on assets | 0.5494% | 5,048 |
| Return on Equity (ROE) | 6.2837% | 3,925 |
| Retained earnings to average equity (ytd only) | 6.2837% | 1,805 |
| Net charge-offs to loans | 0.5978% | 1,098 |
| Credit loss provision to net charge-offs | 98.8889% | 2,510 |
| Earnings coverage of net charge-offs (x) | 2.4802% | 4,185 |
| Efficiency ratio | 78.3816% | 2,409 |
| Assets per employee ($millions) | 2.6647% | 6,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 4,434 |
| Loan loss allowance to noncurrent loans | 65.5602% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 2.7508% | 1,209 |
| Noncurrent loans to loans | 1.8946% | 2,123 |
| Net loans and leases to total assets | 59.6074% | 3,785 |
| Net loans and leases to deposits | 72.4846% | 3,460 |
| Net loans and leases to core deposits | 76.8836% | 3,508 |
| Total domestic deposits to total assets | 82.2346% | 4,797 |
| Equity capital to assets | 8.9028% | 5,145 |
| Core capital (leverage) ratio | 9.0610% | 4,914 |
| Tier 1 risk-based capital ratio | 14.7412% | 3,817 |
| Total risk-based capital ratio | 15.9782% | 3,761 |
| Memoranda: | ||
| Average total assets | $226,967,800 | 2,748 |
| Average earning assets | $196,086,200 | 2,875 |
| Average equity | $19,845,000 | 3,167 |
| Average total loans | $135,492,800 | 2,767 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0323% | 877 |
| Cost of funding earning assets | 1.3422% | 101 |
| Net interest margin | 3.6901% | 3,064 |
| Noninterest income to average assets | 0.5947% | 3,181 |
| Noninterest expense to average assets | 3.2377% | 2,237 |
| Loan and lease loss provision to assets | 0.4075% | 734 |
| Net operating income to assets | 0.1370% | 6,060 |
| Return on assets (ROA) | 0.1601% | 6,082 |
| Pretax return on assets | 0.1601% | 6,114 |
| Return on Equity (ROE) | 1.8391% | 5,993 |
| Retained earnings to average equity (ytd only) | 1.8391% | 5,219 |
| Net charge-offs to loans | 0.7818% | 757 |
| Credit loss provision to net charge-offs | 87.5635% | 2,678 |
| Earnings coverage of net charge-offs (x) | 1.1700% | 4,454 |
| Efficiency ratio | 85.6027% | 1,400 |
| Assets per employee ($millions) | 2.5160% | 6,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 5,097 |
| Loan loss allowance to noncurrent loans | 61.3696% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 2.9706% | 1,247 |
| Noncurrent loans to loans | 1.8824% | 2,392 |
| Net loans and leases to total assets | 63.0088% | 3,163 |
| Net loans and leases to deposits | 76.8970% | 2,832 |
| Net loans and leases to core deposits | 83.3913% | 2,718 |
| Total domestic deposits to total assets | 81.9391% | 4,953 |
| Equity capital to assets | 8.7712% | 5,444 |
| Core capital (leverage) ratio | 8.9769% | 5,157 |
| Tier 1 risk-based capital ratio | 13.8907% | 4,506 |
| Total risk-based capital ratio | 15.0514% | 4,521 |
| Memoranda: | ||
| Average total assets | $225,753,000 | 2,779 |
| Average earning assets | $195,002,750 | 2,913 |
| Average equity | $19,646,500 | 3,224 |
| Average total loans | $134,385,000 | 2,795 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9409% | 1,015 |
| Cost of funding earning assets | 1.4054% | 81 |
| Net interest margin | 3.5355% | 3,630 |
| Noninterest income to average assets | 0.4948% | 3,870 |
| Noninterest expense to average assets | 3.0809% | 2,721 |
| Loan and lease loss provision to assets | 0.5929% | 430 |
| Net operating income to assets | -0.1184% | 6,422 |
| Return on assets (ROA) | -0.0839% | 6,442 |
| Pretax return on assets | -0.0839% | 6,421 |
| Return on Equity (ROE) | -0.9670% | 6,457 |
| Retained earnings to average equity (ytd only) | -0.9670% | 6,046 |
| Net charge-offs to loans | 1.0821% | 557 |
| Credit loss provision to net charge-offs | 94.2416% | 2,351 |
| Earnings coverage of net charge-offs (x) | 0.7542% | 4,274 |
| Efficiency ratio | 86.6551% | 1,347 |
| Assets per employee ($millions) | 2.4886% | 6,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 4,706 |
| Loan loss allowance to noncurrent loans | 50.6382% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 3.3051% | 1,188 |
| Noncurrent loans to loans | 2.4846% | 1,871 |
| Net loans and leases to total assets | 61.1386% | 3,454 |
| Net loans and leases to deposits | 74.0470% | 3,145 |
| Net loans and leases to core deposits | 78.6844% | 3,203 |
| Total domestic deposits to total assets | 82.5673% | 4,863 |
| Equity capital to assets | 8.8225% | 5,419 |
| Core capital (leverage) ratio | 8.6291% | 5,524 |
| Tier 1 risk-based capital ratio | 14.0210% | 4,408 |
| Total risk-based capital ratio | 15.2559% | 4,386 |
| Memoranda: | ||
| Average total assets | $226,362,000 | 2,778 |
| Average earning assets | $195,954,670 | 2,916 |
| Average equity | $19,648,330 | 3,242 |
| Average total loans | $131,599,330 | 2,853 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 1,170 |
| Cost of funding earning assets | 1.3929% | 98 |
| Net interest margin | 3.4712% | 3,818 |
| Noninterest income to average assets | 0.1495% | 6,356 |
| Noninterest expense to average assets | 2.8673% | 3,472 |
| Loan and lease loss provision to assets | 0.0887% | 3,183 |
| Net operating income to assets | 0.1965% | 5,907 |
| Return on assets (ROA) | 0.2626% | 5,811 |
| Pretax return on assets | 0.2626% | 5,926 |
| Return on Equity (ROE) | 3.0487% | 5,570 |
| Retained earnings to average equity (ytd only) | 3.0487% | 4,450 |
| Net charge-offs to loans | 0.3827% | 1,496 |
| Credit loss provision to net charge-offs | 41.1290% | 2,732 |
| Earnings coverage of net charge-offs (x) | 1.3226% | 3,392 |
| Efficiency ratio | 90.9542% | 1,068 |
| Assets per employee ($millions) | 2.5809% | 6,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 4,738 |
| Loan loss allowance to noncurrent loans | 16.6071% | 6,419 |
| Noncurrent assets plus other real estate owned to assets | 5.6992% | 593 |
| Noncurrent loans to loans | 7.7873% | 350 |
| Net loans and leases to total assets | 56.2555% | 4,049 |
| Net loans and leases to deposits | 68.3177% | 3,739 |
| Net loans and leases to core deposits | 72.0870% | 3,809 |
| Total domestic deposits to total assets | 82.3441% | 5,080 |
| Equity capital to assets | 8.7483% | 5,764 |
| Core capital (leverage) ratio | 8.5195% | 5,563 |
| Tier 1 risk-based capital ratio | 14.5400% | 4,147 |
| Total risk-based capital ratio | 15.7808% | 4,118 |
| Memoranda: | ||
| Average total assets | $230,045,000 | 2,774 |
| Average earning assets | $199,009,000 | 2,912 |
| Average equity | $19,812,000 | 3,265 |
| Average total loans | $129,600,500 | 2,901 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0072% | 1,542 |
| Cost of funding earning assets | 1.5502% | 132 |
| Net interest margin | 3.4570% | 4,680 |
| Noninterest income to average assets | 1.2384% | 1,020 |
| Noninterest expense to average assets | 3.6669% | 1,473 |
| Loan and lease loss provision to assets | 1.4013% | 241 |
| Net operating income to assets | -0.8598% | 6,695 |
| Return on assets (ROA) | -0.8319% | 6,707 |
| Pretax return on assets | -0.8319% | 6,684 |
| Return on Equity (ROE) | -9.9111% | 6,720 |
| Retained earnings to average equity (ytd only) | -9.9111% | 6,633 |
| Net charge-offs to loans | 3.0786% | 155 |
| Credit loss provision to net charge-offs | 75.6634% | 3,986 |
| Earnings coverage of net charge-offs (x) | 0.2924% | 5,334 |
| Efficiency ratio | 87.1331% | 1,318 |
| Assets per employee ($millions) | 2.7735% | 6,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 4,420 |
| Loan loss allowance to noncurrent loans | 11.9078% | 6,532 |
| Noncurrent assets plus other real estate owned to assets | 7.9469% | 349 |
| Noncurrent loans to loans | 11.3063% | 175 |
| Net loans and leases to total assets | 54.9480% | 4,460 |
| Net loans and leases to deposits | 63.8925% | 4,546 |
| Net loans and leases to core deposits | 70.8436% | 4,187 |
| Total domestic deposits to total assets | 86.0008% | 3,363 |
| Equity capital to assets | 8.4796% | 6,067 |
| Core capital (leverage) ratio | 8.6691% | 5,370 |
| Tier 1 risk-based capital ratio | 14.1782% | 4,258 |
| Total risk-based capital ratio | 15.4288% | 4,220 |
| Memoranda: | ||
| Average total assets | $225,861,400 | 2,775 |
| Average earning assets | $194,041,000 | 2,911 |
| Average equity | $18,958,600 | 3,342 |
| Average total loans | $135,875,200 | 2,775 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0921% | 1,447 |
| Cost of funding earning assets | 1.5833% | 138 |
| Net interest margin | 3.5089% | 4,609 |
| Noninterest income to average assets | 0.7503% | 2,484 |
| Noninterest expense to average assets | 4.0002% | 929 |
| Loan and lease loss provision to assets | 1.8362% | 150 |
| Net operating income to assets | -2.0730% | 7,047 |
| Return on assets (ROA) | -2.0355% | 7,051 |
| Pretax return on assets | -2.0355% | 7,036 |
| Return on Equity (ROE) | -24.3142% | 7,030 |
| Retained earnings to average equity (ytd only) | -24.3142% | 7,019 |
| Net charge-offs to loans | 3.1206% | 167 |
| Credit loss provision to net charge-offs | 95.9577% | 3,111 |
| Earnings coverage of net charge-offs (x) | -0.1238% | 5,391 |
| Efficiency ratio | 106.2925% | 372 |
| Assets per employee ($millions) | 2.5749% | 6,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9471% | 2,335 |
| Loan loss allowance to noncurrent loans | 34.0439% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 6.2060% | 629 |
| Noncurrent loans to loans | 5.7193% | 740 |
| Net loans and leases to total assets | 61.3511% | 3,504 |
| Net loans and leases to deposits | 70.5696% | 3,819 |
| Net loans and leases to core deposits | 76.3320% | 3,686 |
| Total domestic deposits to total assets | 86.9370% | 2,707 |
| Equity capital to assets | 7.8487% | 6,666 |
| Core capital (leverage) ratio | 7.5530% | 6,590 |
| Tier 1 risk-based capital ratio | 12.1423% | 5,856 |
| Total risk-based capital ratio | 13.4008% | 5,825 |
| Memoranda: | ||
| Average total assets | $224,084,000 | 2,810 |
| Average earning assets | $192,422,750 | 2,958 |
| Average equity | $18,759,500 | 3,395 |
| Average total loans | $137,404,000 | 2,786 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0198% | 1,732 |
| Cost of funding earning assets | 1.5988% | 154 |
| Net interest margin | 3.4210% | 5,001 |
| Noninterest income to average assets | 0.7076% | 2,628 |
| Noninterest expense to average assets | 4.0815% | 853 |
| Loan and lease loss provision to assets | 1.8890% | 162 |
| Net operating income to assets | -2.3160% | 7,112 |
| Return on assets (ROA) | -2.2604% | 7,108 |
| Pretax return on assets | -2.2604% | 7,096 |
| Return on Equity (ROE) | -26.4751% | 7,079 |
| Retained earnings to average equity (ytd only) | -26.4751% | 7,067 |
| Net charge-offs to loans | 4.6374% | 83 |
| Credit loss provision to net charge-offs | 66.8645% | 3,639 |
| Earnings coverage of net charge-offs (x) | -0.1512% | 5,146 |
| Efficiency ratio | 111.6852% | 307 |
| Assets per employee ($millions) | 2.6656% | 6,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 5,158 |
| Loan loss allowance to noncurrent loans | 19.4498% | 6,534 |
| Noncurrent assets plus other real estate owned to assets | 5.6813% | 766 |
| Noncurrent loans to loans | 6.3762% | 665 |
| Net loans and leases to total assets | 60.6036% | 3,711 |
| Net loans and leases to deposits | 69.8860% | 3,911 |
| Net loans and leases to core deposits | 75.3717% | 3,831 |
| Total domestic deposits to total assets | 86.7178% | 2,952 |
| Equity capital to assets | 7.9474% | 6,596 |
| Core capital (leverage) ratio | 7.7246% | 6,503 |
| Tier 1 risk-based capital ratio | 12.4377% | 5,616 |
| Total risk-based capital ratio | 13.6466% | 5,637 |
| Memoranda: | ||
| Average total assets | $226,681,670 | 2,792 |
| Average earning assets | $195,265,670 | 2,933 |
| Average equity | $19,354,000 | 3,300 |
| Average total loans | $138,094,670 | 2,784 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1301% | 1,496 |
| Cost of funding earning assets | 1.6367% | 160 |
| Net interest margin | 3.4935% | 4,737 |
| Noninterest income to average assets | 0.5981% | 3,244 |
| Noninterest expense to average assets | 2.9851% | 3,309 |
| Loan and lease loss provision to assets | 1.2417% | 302 |
| Net operating income to assets | -0.6226% | 6,883 |
| Return on assets (ROA) | -0.5121% | 6,862 |
| Pretax return on assets | -0.5121% | 6,835 |
| Return on Equity (ROE) | -5.8013% | 6,879 |
| Retained earnings to average equity (ytd only) | -5.8013% | 6,642 |
| Net charge-offs to loans | 4.7731% | 103 |
| Credit loss provision to net charge-offs | 42.8571% | 3,394 |
| Earnings coverage of net charge-offs (x) | 0.2137% | 4,261 |
| Efficiency ratio | 82.8224% | 1,825 |
| Assets per employee ($millions) | 2.7111% | 6,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 4,909 |
| Loan loss allowance to noncurrent loans | 27.1669% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 5.0200% | 1,039 |
| Noncurrent loans to loans | 4.8794% | 1,163 |
| Net loans and leases to total assets | 59.5234% | 3,773 |
| Net loans and leases to deposits | 69.1475% | 3,851 |
| Net loans and leases to core deposits | 74.7873% | 3,788 |
| Total domestic deposits to total assets | 86.0817% | 3,481 |
| Equity capital to assets | 8.7916% | 5,758 |
| Core capital (leverage) ratio | 8.6949% | 5,300 |
| Tier 1 risk-based capital ratio | 13.8395% | 4,579 |
| Total risk-based capital ratio | 15.0898% | 4,555 |
| Memoranda: | ||
| Average total assets | $228,068,000 | 2,792 |
| Average earning assets | $196,252,500 | 2,945 |
| Average equity | $20,133,500 | 3,211 |
| Average total loans | $138,441,500 | 2,804 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3660% | 1,508 |
| Cost of funding earning assets | 1.7463% | 265 |
| Net interest margin | 3.6198% | 4,652 |
| Noninterest income to average assets | 0.8101% | 2,000 |
| Noninterest expense to average assets | 3.0978% | 3,203 |
| Loan and lease loss provision to assets | 0.5565% | 1,875 |
| Net operating income to assets | 0.2928% | 5,280 |
| Return on assets (ROA) | 0.3042% | 5,390 |
| Pretax return on assets | 0.3042% | 5,548 |
| Return on Equity (ROE) | 3.8624% | 4,917 |
| Retained earnings to average equity (ytd only) | 3.8624% | 3,460 |
| Net charge-offs to loans | 0.3093% | 3,853 |
| Credit loss provision to net charge-offs | 285.0446% | 832 |
| Earnings coverage of net charge-offs (x) | 4.3504% | 3,154 |
| Efficiency ratio | 78.4831% | 2,525 |
| Assets per employee ($millions) | 2.7191% | 6,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9819% | 2,335 |
| Loan loss allowance to noncurrent loans | 30.4448% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 6.5821% | 715 |
| Noncurrent loans to loans | 6.5099% | 716 |
| Net loans and leases to total assets | 59.8690% | 4,016 |
| Net loans and leases to deposits | 69.4208% | 4,211 |
| Net loans and leases to core deposits | 72.7444% | 4,410 |
| Total domestic deposits to total assets | 86.2408% | 3,172 |
| Equity capital to assets | 8.8640% | 5,716 |
| Core capital (leverage) ratio | 8.7731% | 5,141 |
| Tier 1 risk-based capital ratio | 13.7112% | 4,545 |
| Total risk-based capital ratio | 14.9702% | 4,502 |
| Memoranda: | ||
| Average total assets | $229,489,000 | 2,730 |
| Average earning assets | $198,880,400 | 2,871 |
| Average equity | $18,071,600 | 3,414 |
| Average total loans | $144,853,000 | 2,713 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3934% | 1,534 |
| Cost of funding earning assets | 1.7612% | 303 |
| Net interest margin | 3.6321% | 4,646 |
| Noninterest income to average assets | 0.7666% | 2,217 |
| Noninterest expense to average assets | 3.1470% | 3,004 |
| Loan and lease loss provision to assets | 0.3615% | 2,697 |
| Net operating income to assets | 0.4103% | 4,950 |
| Return on assets (ROA) | 0.4254% | 5,074 |
| Pretax return on assets | 0.4254% | 5,386 |
| Return on Equity (ROE) | 5.5757% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.5757% | 2,808 |
| Net charge-offs to loans | 0.3448% | 3,374 |
| Credit loss provision to net charge-offs | 164.8148% | 1,850 |
| Earnings coverage of net charge-offs (x) | 3.5185% | 3,410 |
| Efficiency ratio | 80.3050% | 2,216 |
| Assets per employee ($millions) | 2.7280% | 6,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 4,049 |
| Loan loss allowance to noncurrent loans | 25.1906% | 6,479 |
| Noncurrent assets plus other real estate owned to assets | 5.3646% | 1,052 |
| Noncurrent loans to loans | 5.9927% | 931 |
| Net loans and leases to total assets | 62.8432% | 3,539 |
| Net loans and leases to deposits | 72.2187% | 3,951 |
| Net loans and leases to core deposits | 76.7452% | 4,091 |
| Total domestic deposits to total assets | 87.0179% | 2,650 |
| Equity capital to assets | 8.0114% | 6,691 |
| Core capital (leverage) ratio | 7.9238% | 6,464 |
| Tier 1 risk-based capital ratio | 11.9202% | 5,951 |
| Total risk-based capital ratio | 13.1728% | 5,926 |
| Memoranda: | ||
| Average total assets | $229,759,500 | 2,734 |
| Average earning assets | $199,399,750 | 2,870 |
| Average equity | $17,528,000 | 3,508 |
| Average total loans | $146,188,750 | 2,714 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3462% | 1,726 |
| Cost of funding earning assets | 1.7724% | 354 |
| Net interest margin | 3.5738% | 4,818 |
| Noninterest income to average assets | 0.7078% | 2,510 |
| Noninterest expense to average assets | 3.0485% | 3,439 |
| Loan and lease loss provision to assets | 0.3292% | 2,811 |
| Net operating income to assets | 0.4323% | 4,800 |
| Return on assets (ROA) | 0.4548% | 4,833 |
| Pretax return on assets | 0.4548% | 5,208 |
| Return on Equity (ROE) | 6.0610% | 3,932 |
| Retained earnings to average equity (ytd only) | 6.0610% | 2,386 |
| Net charge-offs to loans | 0.5328% | 2,500 |
| Credit loss provision to net charge-offs | 97.1867% | 3,243 |
| Earnings coverage of net charge-offs (x) | 2.2481% | 3,707 |
| Efficiency ratio | 80.0136% | 2,387 |
| Assets per employee ($millions) | 2.7159% | 6,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 4,997 |
| Loan loss allowance to noncurrent loans | 19.8188% | 6,724 |
| Noncurrent assets plus other real estate owned to assets | 5.5635% | 1,058 |
| Noncurrent loans to loans | 6.6280% | 825 |
| Net loans and leases to total assets | 64.1569% | 3,428 |
| Net loans and leases to deposits | 73.6838% | 3,851 |
| Net loans and leases to core deposits | 78.1937% | 4,033 |
| Total domestic deposits to total assets | 87.0706% | 2,702 |
| Equity capital to assets | 7.9227% | 6,733 |
| Core capital (leverage) ratio | 7.6153% | 6,655 |
| Tier 1 risk-based capital ratio | 11.4871% | 6,174 |
| Total risk-based capital ratio | 12.7371% | 6,165 |
| Memoranda: | ||
| Average total assets | $230,870,330 | 2,748 |
| Average earning assets | $200,404,330 | 2,869 |
| Average equity | $17,324,000 | 3,521 |
| Average total loans | $146,760,000 | 2,736 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1195% | 2,559 |
| Cost of funding earning assets | 1.7859% | 396 |
| Net interest margin | 3.3336% | 5,661 |
| Noninterest income to average assets | 1.1986% | 893 |
| Noninterest expense to average assets | 2.7398% | 4,674 |
| Loan and lease loss provision to assets | 0.7226% | 1,170 |
| Net operating income to assets | 0.6353% | 3,833 |
| Return on assets (ROA) | 0.6353% | 3,908 |
| Pretax return on assets | 0.6353% | 4,555 |
| Return on Equity (ROE) | 8.7005% | 2,606 |
| Retained earnings to average equity (ytd only) | 8.7005% | 1,489 |
| Net charge-offs to loans | -0.0381% | 6,801 |
| Credit loss provision to net charge-offs | -3,014.2857% | 6,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8617% | 4,881 |
| Assets per employee ($millions) | 2.7847% | 6,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6558% | 3,502 |
| Loan loss allowance to noncurrent loans | 18.3265% | 6,822 |
| Noncurrent assets plus other real estate owned to assets | 7.2354% | 716 |
| Noncurrent loans to loans | 9.0350% | 491 |
| Net loans and leases to total assets | 60.9538% | 4,088 |
| Net loans and leases to deposits | 69.4808% | 4,434 |
| Net loans and leases to core deposits | 75.0470% | 4,418 |
| Total domestic deposits to total assets | 87.7276% | 2,538 |
| Equity capital to assets | 7.4487% | 6,892 |
| Core capital (leverage) ratio | 7.3630% | 6,819 |
| Tier 1 risk-based capital ratio | 11.0460% | 6,479 |
| Total risk-based capital ratio | 12.2996% | 6,459 |
| Memoranda: | ||
| Average total assets | $233,597,500 | 2,742 |
| Average earning assets | $203,145,000 | 2,855 |
| Average equity | $17,056,500 | 3,552 |
| Average total loans | $146,867,500 | 2,757 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9464% | 950 |
| Cost of funding earning assets | 1.9611% | 695 |
| Net interest margin | 3.9853% | 3,080 |
| Noninterest income to average assets | 1.5749% | 587 |
| Noninterest expense to average assets | 3.2187% | 3,018 |
| Loan and lease loss provision to assets | 1.1966% | 1,309 |
| Net operating income to assets | 0.6095% | 3,630 |
| Return on assets (ROA) | 0.7008% | 3,355 |
| Pretax return on assets | 0.7008% | 3,971 |
| Return on Equity (ROE) | 10.5343% | 1,744 |
| Retained earnings to average equity (ytd only) | 10.5343% | 436 |
| Net charge-offs to loans | 2.3920% | 794 |
| Credit loss provision to net charge-offs | 77.4611% | 5,648 |
| Earnings coverage of net charge-offs (x) | 1.1692% | 4,939 |
| Efficiency ratio | 64.0568% | 5,345 |
| Assets per employee ($millions) | 2.4849% | 7,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2865% | 5,071 |
| Loan loss allowance to noncurrent loans | 14.9996% | 6,990 |
| Noncurrent assets plus other real estate owned to assets | 7.1683% | 750 |
| Noncurrent loans to loans | 8.5772% | 571 |
| Net loans and leases to total assets | 62.9252% | 4,089 |
| Net loans and leases to deposits | 73.0514% | 4,350 |
| Net loans and leases to core deposits | 78.4007% | 4,408 |
| Total domestic deposits to total assets | 86.1382% | 3,283 |
| Equity capital to assets | 7.1577% | 7,058 |
| Core capital (leverage) ratio | 7.0137% | 7,022 |
| Tier 1 risk-based capital ratio | 10.6320% | 6,619 |
| Total risk-based capital ratio | 11.8671% | 6,593 |
| Memoranda: | ||
| Average total assets | $245,281,600 | 2,593 |
| Average earning assets | $212,330,000 | 2,724 |
| Average equity | $16,318,200 | 3,702 |
| Average total loans | $158,401,600 | 2,637 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0909% | 774 |
| Cost of funding earning assets | 1.9932% | 769 |
| Net interest margin | 4.0977% | 2,635 |
| Noninterest income to average assets | 1.2951% | 822 |
| Noninterest expense to average assets | 3.1552% | 3,090 |
| Loan and lease loss provision to assets | 1.7190% | 734 |
| Net operating income to assets | -0.0339% | 6,068 |
| Return on assets (ROA) | 0.0361% | 6,048 |
| Pretax return on assets | 0.0361% | 6,031 |
| Return on Equity (ROE) | 0.5523% | 6,002 |
| Retained earnings to average equity (ytd only) | 0.5523% | 5,577 |
| Net charge-offs to loans | 3.1200% | 477 |
| Credit loss provision to net charge-offs | 85.0520% | 4,965 |
| Earnings coverage of net charge-offs (x) | 0.8337% | 5,223 |
| Efficiency ratio | 65.1869% | 5,019 |
| Assets per employee ($millions) | 2.5647% | 6,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 4,339 |
| Loan loss allowance to noncurrent loans | 13.1342% | 7,116 |
| Noncurrent assets plus other real estate owned to assets | 8.8272% | 523 |
| Noncurrent loans to loans | 10.8418% | 356 |
| Net loans and leases to total assets | 63.3315% | 4,247 |
| Net loans and leases to deposits | 75.4181% | 4,280 |
| Net loans and leases to core deposits | 81.5784% | 4,305 |
| Total domestic deposits to total assets | 83.9738% | 4,141 |
| Equity capital to assets | 6.4894% | 7,427 |
| Core capital (leverage) ratio | 6.1276% | 7,416 |
| Tier 1 risk-based capital ratio | 9.3420% | 7,292 |
| Total risk-based capital ratio | 10.5823% | 7,303 |
| Memoranda: | ||
| Average total assets | $247,585,500 | 2,601 |
| Average earning assets | $214,193,500 | 2,735 |
| Average equity | $16,173,500 | 3,774 |
| Average total loans | $160,381,750 | 2,652 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0980% | 757 |
| Cost of funding earning assets | 2.0342% | 811 |
| Net interest margin | 4.0638% | 2,729 |
| Noninterest income to average assets | 1.1667% | 941 |
| Noninterest expense to average assets | 3.0036% | 3,701 |
| Loan and lease loss provision to assets | 0.4323% | 3,155 |
| Net operating income to assets | 1.2399% | 1,453 |
| Return on assets (ROA) | 1.2704% | 1,446 |
| Pretax return on assets | 1.2704% | 2,186 |
| Return on Equity (ROE) | 19.4055% | 363 |
| Retained earnings to average equity (ytd only) | 19.4055% | 97 |
| Net charge-offs to loans | -0.4565% | 7,725 |
| Credit loss provision to net charge-offs | -145.7995% | 6,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2378% | 5,290 |
| Assets per employee ($millions) | 2.6367% | 6,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2412% | 1,688 |
| Loan loss allowance to noncurrent loans | 21.3120% | 6,876 |
| Noncurrent assets plus other real estate owned to assets | 7.9844% | 616 |
| Noncurrent loans to loans | 10.5159% | 405 |
| Net loans and leases to total assets | 64.3791% | 4,180 |
| Net loans and leases to deposits | 77.8220% | 4,008 |
| Net loans and leases to core deposits | 82.5613% | 4,336 |
| Total domestic deposits to total assets | 82.7261% | 4,683 |
| Equity capital to assets | 6.8882% | 7,385 |
| Core capital (leverage) ratio | 6.5871% | 7,352 |
| Tier 1 risk-based capital ratio | 9.6159% | 7,216 |
| Total risk-based capital ratio | 10.8136% | 7,240 |
| Memoranda: | ||
| Average total assets | $248,899,000 | 2,613 |
| Average earning assets | $214,922,670 | 2,745 |
| Average equity | $16,294,330 | 3,754 |
| Average total loans | $161,664,670 | 2,671 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0401% | 165 |
| Cost of funding earning assets | 2.1088% | 792 |
| Net interest margin | 4.9313% | 487 |
| Noninterest income to average assets | 0.7577% | 2,252 |
| Noninterest expense to average assets | 2.9713% | 3,775 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.0088% | 341 |
| Return on assets (ROA) | 2.0524% | 350 |
| Pretax return on assets | 2.0524% | 554 |
| Return on Equity (ROE) | 32.1983% | 74 |
| Retained earnings to average equity (ytd only) | 32.1983% | 55 |
| Net charge-offs to loans | 0.0275% | 5,185 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 113.2727% | 287 |
| Efficiency ratio | 59.6633% | 6,232 |
| Assets per employee ($millions) | 2.6703% | 6,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6901% | 3,105 |
| Loan loss allowance to noncurrent loans | 20.1100% | 7,001 |
| Noncurrent assets plus other real estate owned to assets | 6.7178% | 824 |
| Noncurrent loans to loans | 8.4041% | 624 |
| Net loans and leases to total assets | 63.7224% | 4,391 |
| Net loans and leases to deposits | 72.3205% | 5,006 |
| Net loans and leases to core deposits | 76.9472% | 5,141 |
| Total domestic deposits to total assets | 88.1111% | 1,999 |
| Equity capital to assets | 6.5527% | 7,514 |
| Core capital (leverage) ratio | 6.3146% | 7,527 |
| Tier 1 risk-based capital ratio | 8.9651% | 7,483 |
| Total risk-based capital ratio | 10.1632% | 7,509 |
| Memoranda: | ||
| Average total assets | $248,104,500 | 2,673 |
| Average earning assets | $212,441,000 | 2,847 |
| Average equity | $15,814,500 | 3,865 |
| Average total loans | $160,017,500 | 2,759 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0731% | 1,594 |
| Cost of funding earning assets | 2.2788% | 1,734 |
| Net interest margin | 3.7943% | 3,732 |
| Noninterest income to average assets | 1.2125% | 1,045 |
| Noninterest expense to average assets | 3.1473% | 3,557 |
| Loan and lease loss provision to assets | 4.7906% | 221 |
| Net operating income to assets | -2.5042% | 7,272 |
| Return on assets (ROA) | -2.4505% | 7,258 |
| Pretax return on assets | -3.3496% | 7,383 |
| Return on Equity (ROE) | -32.7744% | 7,449 |
| Retained earnings to average equity (ytd only) | -33.0413% | 7,442 |
| Net charge-offs to loans | 7.4717% | 97 |
| Credit loss provision to net charge-offs | 93.1669% | 5,889 |
| Earnings coverage of net charge-offs (x) | 0.2659% | 5,849 |
| Efficiency ratio | 69.7114% | 4,692 |
| Assets per employee ($millions) | 2.5529% | 7,115 |
| Cash dividends to net income (ytd only)* | -0.8143% | 7,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7930% | 2,563 |
| Loan loss allowance to noncurrent loans | 17.3540% | 7,169 |
| Noncurrent assets plus other real estate owned to assets | 7.9497% | 571 |
| Noncurrent loans to loans | 10.3321% | 385 |
| Net loans and leases to total assets | 63.0089% | 4,808 |
| Net loans and leases to deposits | 68.8207% | 5,744 |
| Net loans and leases to core deposits | 86.3409% | 5,489 |
| Total domestic deposits to total assets | 91.5551% | 366 |
| Equity capital to assets | 6.1874% | 7,635 |
| Core capital (leverage) ratio | 5.6659% | 7,687 |
| Tier 1 risk-based capital ratio | 8.5460% | 7,578 |
| Total risk-based capital ratio | 9.8009% | 7,606 |
| Memoranda: | ||
| Average total assets | $255,581,400 | 2,559 |
| Average earning assets | $222,441,600 | 2,676 |
| Average equity | $19,109,400 | 3,324 |
| Average total loans | $175,890,600 | 2,563 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0416% | 1,879 |
| Cost of funding earning assets | 2.2802% | 2,065 |
| Net interest margin | 3.7614% | 3,810 |
| Noninterest income to average assets | 1.3501% | 831 |
| Noninterest expense to average assets | 2.7321% | 5,180 |
| Loan and lease loss provision to assets | 3.1256% | 458 |
| Net operating income to assets | -0.7528% | 6,649 |
| Return on assets (ROA) | -0.7103% | 6,631 |
| Pretax return on assets | -1.1435% | 6,789 |
| Return on Equity (ROE) | -9.1313% | 6,820 |
| Retained earnings to average equity (ytd only) | -9.4691% | 6,759 |
| Net charge-offs to loans | 3.3148% | 477 |
| Credit loss provision to net charge-offs | 134.8744% | 3,685 |
| Earnings coverage of net charge-offs (x) | 0.8266% | 5,229 |
| Efficiency ratio | 58.7831% | 6,596 |
| Assets per employee ($millions) | 2.5584% | 7,130 |
| Cash dividends to net income (ytd only)* | -3.6984% | 7,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0950% | 617 |
| Loan loss allowance to noncurrent loans | 23.9794% | 6,842 |
| Noncurrent assets plus other real estate owned to assets | 10.5178% | 311 |
| Noncurrent loans to loans | 12.9068% | 229 |
| Net loans and leases to total assets | 67.7237% | 4,019 |
| Net loans and leases to deposits | 75.8234% | 5,080 |
| Net loans and leases to core deposits | 94.0517% | 5,010 |
| Total domestic deposits to total assets | 89.3176% | 1,052 |
| Equity capital to assets | 8.3487% | 6,445 |
| Core capital (leverage) ratio | 7.6380% | 6,815 |
| Tier 1 risk-based capital ratio | 10.6615% | 6,285 |
| Total risk-based capital ratio | 11.9324% | 6,244 |
| Memoranda: | ||
| Average total assets | $258,845,250 | 2,538 |
| Average earning assets | $226,932,500 | 2,646 |
| Average equity | $20,135,250 | 3,209 |
| Average total loans | $180,962,500 | 2,531 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9953% | 2,200 |
| Cost of funding earning assets | 2.3102% | 2,316 |
| Net interest margin | 3.6851% | 4,016 |
| Noninterest income to average assets | 0.7179% | 2,882 |
| Noninterest expense to average assets | 2.7609% | 5,126 |
| Loan and lease loss provision to assets | 2.4747% | 635 |
| Net operating income to assets | -1.2805% | 7,151 |
| Return on assets (ROA) | -1.1912% | 7,117 |
| Pretax return on assets | -1.1912% | 6,937 |
| Return on Equity (ROE) | -15.6647% | 7,364 |
| Retained earnings to average equity (ytd only) | -16.1726% | 7,309 |
| Net charge-offs to loans | 3.1008% | 531 |
| Credit loss provision to net charge-offs | 114.1460% | 4,062 |
| Earnings coverage of net charge-offs (x) | 0.5508% | 5,159 |
| Efficiency ratio | 69.8066% | 4,819 |
| Assets per employee ($millions) | 2.6549% | 6,943 |
| Cash dividends to net income (ytd only)* | -3.2422% | 7,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2820% | 1,124 |
| Loan loss allowance to noncurrent loans | 22.0030% | 7,015 |
| Noncurrent assets plus other real estate owned to assets | 8.4344% | 427 |
| Noncurrent loans to loans | 10.3714% | 325 |
| Net loans and leases to total assets | 69.4902% | 3,818 |
| Net loans and leases to deposits | 82.3073% | 4,176 |
| Net loans and leases to core deposits | 99.0842% | 4,591 |
| Total domestic deposits to total assets | 84.4277% | 3,537 |
| Equity capital to assets | 7.7957% | 6,987 |
| Core capital (leverage) ratio | 7.2586% | 7,291 |
| Tier 1 risk-based capital ratio | 9.8206% | 7,110 |
| Total risk-based capital ratio | 11.0822% | 7,041 |
| Memoranda: | ||
| Average total assets | $264,112,000 | 2,499 |
| Average earning assets | $232,016,000 | 2,606 |
| Average equity | $20,083,330 | 3,227 |
| Average total loans | $184,664,670 | 2,515 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8072% | 3,261 |
| Cost of funding earning assets | 2.3825% | 2,364 |
| Net interest margin | 3.4247% | 5,031 |
| Noninterest income to average assets | 0.7332% | 2,692 |
| Noninterest expense to average assets | 2.5876% | 5,507 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9370% | 2,559 |
| Return on assets (ROA) | 0.9583% | 2,613 |
| Pretax return on assets | 1.1997% | 2,629 |
| Return on Equity (ROE) | 12.7525% | 1,450 |
| Retained earnings to average equity (ytd only) | 11.8262% | 824 |
| Net charge-offs to loans | 0.0107% | 5,478 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 158.4000% | 275 |
| Efficiency ratio | 68.8066% | 4,816 |
| Assets per employee ($millions) | 2.7642% | 6,726 |
| Cash dividends to net income (ytd only)* | 7.2643% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9969% | 1,428 |
| Loan loss allowance to noncurrent loans | 22.0737% | 7,064 |
| Noncurrent assets plus other real estate owned to assets | 6.9334% | 497 |
| Noncurrent loans to loans | 9.0464% | 353 |
| Net loans and leases to total assets | 68.8327% | 3,948 |
| Net loans and leases to deposits | 83.2734% | 4,096 |
| Net loans and leases to core deposits | 101.3008% | 4,411 |
| Total domestic deposits to total assets | 82.6587% | 4,306 |
| Equity capital to assets | 8.4094% | 6,213 |
| Core capital (leverage) ratio | 8.4731% | 5,594 |
| Tier 1 risk-based capital ratio | 12.0918% | 4,881 |
| Total risk-based capital ratio | 13.3510% | 4,774 |
| Memoranda: | ||
| Average total assets | $270,059,500 | 2,461 |
| Average earning assets | $238,739,500 | 2,546 |
| Average equity | $20,294,000 | 3,221 |
| Average total loans | $187,317,500 | 2,504 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6030% | 338 |
| Cost of funding earning assets | 3.0724% | 1,595 |
| Net interest margin | 4.5306% | 1,350 |
| Noninterest income to average assets | 0.7301% | 2,904 |
| Noninterest expense to average assets | 2.6304% | 5,534 |
| Loan and lease loss provision to assets | 3.8710% | 177 |
| Net operating income to assets | -1.1170% | 7,298 |
| Return on assets (ROA) | -1.0243% | 7,180 |
| Pretax return on assets | -1.6104% | 7,304 |
| Return on Equity (ROE) | -14.0430% | 7,544 |
| Retained earnings to average equity (ytd only) | -14.5194% | 7,431 |
| Net charge-offs to loans | 3.8742% | 176 |
| Credit loss provision to net charge-offs | 131.7823% | 4,041 |
| Earnings coverage of net charge-offs (x) | 0.7203% | 5,791 |
| Efficiency ratio | 55.4218% | 7,097 |
| Assets per employee ($millions) | 2.9213% | 6,245 |
| Cash dividends to net income (ytd only)* | -3.3924% | 7,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9390% | 1,339 |
| Loan loss allowance to noncurrent loans | 33.6958% | 6,483 |
| Noncurrent assets plus other real estate owned to assets | 4.3334% | 896 |
| Noncurrent loans to loans | 5.7545% | 657 |
| Net loans and leases to total assets | 67.2060% | 4,600 |
| Net loans and leases to deposits | 88.5390% | 3,717 |
| Net loans and leases to core deposits | 108.0892% | 3,958 |
| Total domestic deposits to total assets | 75.9055% | 6,267 |
| Equity capital to assets | 6.6680% | 7,885 |
| Core capital (leverage) ratio | 7.1020% | 7,613 |
| Tier 1 risk-based capital ratio | 9.7628% | 7,000 |
| Total risk-based capital ratio | 11.0207% | 6,882 |
| Memoranda: | ||
| Average total assets | $259,005,600 | 2,470 |
| Average earning assets | $229,592,800 | 2,559 |
| Average equity | $18,892,000 | 3,415 |
| Average total loans | $196,375,000 | 2,335 |