Home > The Union Bank Company > Performance and Condition Ratios
The Union Bank Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8329% | 2,408 |
| Cost of funding earning assets | 1.3042% | 2,504 |
| Net interest margin | 3.5287% | 2,123 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.9234% | 1,225 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.8580% | 2,680 |
| Return on assets (ROA) | 0.8524% | 2,672 |
| Pretax return on assets | 0.9601% | 2,779 |
| Return on Equity (ROE) | 9.1900% | 2,707 |
| Retained earnings to average equity (ytd only) | -0.2362% | 4,114 |
| Net charge-offs to loans | -0.0094% | 3,981 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.4400% | 1,301 |
| Assets per employee ($millions) | 6.8038% | 2,203 |
| Cash dividends to net income (ytd only)* | 102.5696% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 2,001 |
| Loan loss allowance to noncurrent loans | 1,278.9625% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 3,135 |
| Noncurrent loans to loans | 0.0979% | 3,048 |
| Net loans and leases to total assets | 65.5300% | 2,307 |
| Net loans and leases to deposits | 73.4492% | 2,656 |
| Net loans and leases to core deposits | 77.1084% | 2,912 |
| Total domestic deposits to total assets | 89.2100% | 1,005 |
| Equity capital to assets | 10.1161% | 1,939 |
| Core capital (leverage) ratio | 10.0387% | 2,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8543% | 1,103 |
| Memoranda: | ||
| Average total assets | $1,086,521,400 | 918 |
| Average earning assets | $975,224,400 | 928 |
| Average equity | $100,762,200 | 941 |
| Average total loans | $694,764,000 | 970 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7577% | 2,355 |
| Cost of funding earning assets | 1.2001% | 2,430 |
| Net interest margin | 3.5575% | 2,096 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.9480% | 1,143 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8445% | 2,880 |
| Return on assets (ROA) | 0.8329% | 2,909 |
| Pretax return on assets | 0.9331% | 3,026 |
| Return on Equity (ROE) | 9.1900% | 2,876 |
| Retained earnings to average equity (ytd only) | -0.9218% | 4,244 |
| Net charge-offs to loans | -0.0112% | 3,963 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.2265% | 1,249 |
| Assets per employee ($millions) | 6.8901% | 2,042 |
| Cash dividends to net income (ytd only)* | 110.0352% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 1,727 |
| Loan loss allowance to noncurrent loans | 1,452.0930% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 3,217 |
| Noncurrent loans to loans | 0.0918% | 3,119 |
| Net loans and leases to total assets | 64.5300% | 2,386 |
| Net loans and leases to deposits | 70.9504% | 2,778 |
| Net loans and leases to core deposits | 74.5683% | 2,956 |
| Total domestic deposits to total assets | 90.9500% | 685 |
| Equity capital to assets | 8.3952% | 2,795 |
| Core capital (leverage) ratio | 9.9988% | 2,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6420% | 1,167 |
| Memoranda: | ||
| Average total assets | $1,091,103,500 | 920 |
| Average earning assets | $979,310,500 | 929 |
| Average equity | $98,937,750 | 952 |
| Average total loans | $691,248,250 | 972 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6701% | 2,269 |
| Cost of funding earning assets | 1.0924% | 2,298 |
| Net interest margin | 3.5777% | 2,083 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 2.9845% | 1,067 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 0.8689% | 2,858 |
| Return on assets (ROA) | 0.8558% | 2,903 |
| Pretax return on assets | 0.9561% | 3,029 |
| Return on Equity (ROE) | 9.2100% | 2,927 |
| Retained earnings to average equity (ytd only) | -0.6049% | 4,176 |
| Net charge-offs to loans | -0.0122% | 3,977 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.3902% | 1,228 |
| Assets per employee ($millions) | 6.4102% | 2,371 |
| Cash dividends to net income (ytd only)* | 106.5644% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 1,698 |
| Loan loss allowance to noncurrent loans | 1,433.5890% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 3,163 |
| Noncurrent loans to loans | 0.0944% | 3,030 |
| Net loans and leases to total assets | 62.5100% | 2,525 |
| Net loans and leases to deposits | 69.5126% | 2,826 |
| Net loans and leases to core deposits | 73.2235% | 2,950 |
| Total domestic deposits to total assets | 89.9300% | 936 |
| Equity capital to assets | 9.4062% | 2,230 |
| Core capital (leverage) ratio | 9.9259% | 2,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1714% | 1,091 |
| Memoranda: | ||
| Average total assets | $1,096,519,667 | 907 |
| Average earning assets | $984,435,333 | 908 |
| Average equity | $101,838,333 | 928 |
| Average total loans | $687,335,000 | 961 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5271% | 2,256 |
| Cost of funding earning assets | 0.9338% | 2,263 |
| Net interest margin | 3.5933% | 2,148 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 3.0362% | 1,007 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 0.7761% | 3,273 |
| Return on assets (ROA) | 0.7542% | 3,285 |
| Pretax return on assets | 0.8306% | 3,392 |
| Return on Equity (ROE) | 8.1700% | 3,246 |
| Retained earnings to average equity (ytd only) | -11.5304% | 4,502 |
| Net charge-offs to loans | -0.0157% | 4,019 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.8225% | 1,019 |
| Assets per employee ($millions) | 6.2997% | 2,502 |
| Cash dividends to net income (ytd only)* | 241.0800% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 1,717 |
| Loan loss allowance to noncurrent loans | 982.4451% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 2,945 |
| Noncurrent loans to loans | 0.1399% | 2,796 |
| Net loans and leases to total assets | 60.4900% | 2,596 |
| Net loans and leases to deposits | 67.0772% | 2,844 |
| Net loans and leases to core deposits | 71.9474% | 2,820 |
| Total domestic deposits to total assets | 90.1800% | 1,092 |
| Equity capital to assets | 9.2032% | 2,368 |
| Core capital (leverage) ratio | 9.6336% | 3,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7712% | 1,196 |
| Memoranda: | ||
| Average total assets | $1,099,912,000 | 925 |
| Average earning assets | $986,506,000 | 926 |
| Average equity | $101,506,000 | 938 |
| Average total loans | $685,726,000 | 974 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0240% | 1,654 |
| Cost of funding earning assets | 0.2416% | 3,402 |
| Net interest margin | 3.7824% | 1,193 |
| Noninterest income to average assets | 0.9400% | 721 |
| Noninterest expense to average assets | 3.1454% | 782 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 1.1293% | 2,057 |
| Return on assets (ROA) | 1.1200% | 2,028 |
| Pretax return on assets | 1.2730% | 2,190 |
| Return on Equity (ROE) | 11.1100% | 2,438 |
| Retained earnings to average equity (ytd only) | 6.5127% | 2,447 |
| Net charge-offs to loans | -0.0070% | 3,704 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.1632% | 1,425 |
| Assets per employee ($millions) | 5.6795% | 3,051 |
| Cash dividends to net income (ytd only)* | 41.3907% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 1,615 |
| Loan loss allowance to noncurrent loans | 919.8630% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 2,886 |
| Noncurrent loans to loans | 0.1486% | 2,760 |
| Net loans and leases to total assets | 62.5100% | 2,382 |
| Net loans and leases to deposits | 71.0616% | 2,482 |
| Net loans and leases to core deposits | 72.4478% | 2,687 |
| Total domestic deposits to total assets | 87.9700% | 2,080 |
| Equity capital to assets | 9.2546% | 2,194 |
| Core capital (leverage) ratio | 10.0609% | 2,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7327% | 1,178 |
| Memoranda: | ||
| Average total assets | $1,078,555,200 | 920 |
| Average earning assets | $967,451,800 | 935 |
| Average equity | $108,710,800 | 893 |
| Average total loans | $641,840,600 | 980 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8764% | 1,538 |
| Cost of funding earning assets | 0.1802% | 3,515 |
| Net interest margin | 3.6962% | 1,147 |
| Noninterest income to average assets | 1.0300% | 630 |
| Noninterest expense to average assets | 3.1729% | 714 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0459% | 2,296 |
| Return on assets (ROA) | 1.0331% | 2,318 |
| Pretax return on assets | 1.1643% | 2,505 |
| Return on Equity (ROE) | 10.0400% | 2,712 |
| Retained earnings to average equity (ytd only) | 4.0255% | 3,434 |
| Net charge-offs to loans | -0.0095% | 3,690 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.5385% | 1,440 |
| Assets per employee ($millions) | 5.2853% | 3,432 |
| Cash dividends to net income (ytd only)* | 59.9161% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 1,040 |
| Loan loss allowance to noncurrent loans | 682.8628% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 2,604 |
| Noncurrent loans to loans | 0.2359% | 2,445 |
| Net loans and leases to total assets | 60.0800% | 2,497 |
| Net loans and leases to deposits | 65.9459% | 2,723 |
| Net loans and leases to core deposits | 66.6415% | 2,905 |
| Total domestic deposits to total assets | 91.1100% | 1,193 |
| Equity capital to assets | 8.3860% | 2,613 |
| Core capital (leverage) ratio | 9.7953% | 2,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7570% | 1,490 |
| Memoranda: | ||
| Average total assets | $1,076,999,750 | 925 |
| Average earning assets | $967,844,500 | 940 |
| Average equity | $110,790,500 | 896 |
| Average total loans | $630,414,500 | 991 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6926% | 1,554 |
| Cost of funding earning assets | 0.1547% | 3,513 |
| Net interest margin | 3.5379% | 1,212 |
| Noninterest income to average assets | 1.0044% | 655 |
| Noninterest expense to average assets | 3.0861% | 747 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9660% | 2,289 |
| Return on assets (ROA) | 0.9536% | 2,319 |
| Pretax return on assets | 1.0902% | 2,441 |
| Return on Equity (ROE) | 8.7448% | 2,779 |
| Retained earnings to average equity (ytd only) | 3.6675% | 3,214 |
| Net charge-offs to loans | -0.0138% | 3,723 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2570% | 1,591 |
| Assets per employee ($millions) | 5.2510% | 3,473 |
| Cash dividends to net income (ytd only)* | 58.0608% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 1,061 |
| Loan loss allowance to noncurrent loans | 499.1839% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 2,409 |
| Noncurrent loans to loans | 0.3292% | 2,159 |
| Net loans and leases to total assets | 56.1720% | 2,736 |
| Net loans and leases to deposits | 62.1885% | 2,876 |
| Net loans and leases to core deposits | 62.7753% | 3,054 |
| Total domestic deposits to total assets | 90.3254% | 1,564 |
| Equity capital to assets | 9.2399% | 2,204 |
| Core capital (leverage) ratio | 9.7184% | 2,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4381% | 1,317 |
| Memoranda: | ||
| Average total assets | $1,083,649,333 | 913 |
| Average earning assets | $975,891,667 | 928 |
| Average equity | $118,172,667 | 852 |
| Average total loans | $625,384,667 | 992 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6214% | 1,447 |
| Cost of funding earning assets | 0.1591% | 3,389 |
| Net interest margin | 3.4623% | 1,154 |
| Noninterest income to average assets | 1.1673% | 506 |
| Noninterest expense to average assets | 3.0653% | 729 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0559% | 1,669 |
| Return on assets (ROA) | 1.0412% | 1,718 |
| Pretax return on assets | 1.2129% | 1,759 |
| Return on Equity (ROE) | 8.8489% | 2,367 |
| Retained earnings to average equity (ytd only) | 8.8489% | 1,309 |
| Net charge-offs to loans | -0.0032% | 3,210 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9804% | 2,104 |
| Assets per employee ($millions) | 5.0339% | 3,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6584% | 1,132 |
| Loan loss allowance to noncurrent loans | 739.4718% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.1313% | 2,877 |
| Noncurrent loans to loans | 0.2243% | 2,700 |
| Net loans and leases to total assets | 57.5644% | 2,348 |
| Net loans and leases to deposits | 64.9937% | 2,434 |
| Net loans and leases to core deposits | 65.7312% | 2,656 |
| Total domestic deposits to total assets | 88.5693% | 2,270 |
| Equity capital to assets | 10.9346% | 1,362 |
| Core capital (leverage) ratio | 10.0816% | 2,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2742% | 1,430 |
| Memoranda: | ||
| Average total assets | $1,071,491,000 | 923 |
| Average earning assets | $968,027,500 | 943 |
| Average equity | $126,071,500 | 816 |
| Average total loans | $621,694,500 | 990 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1170% | 1,129 |
| Cost of funding earning assets | 0.2423% | 3,026 |
| Net interest margin | 3.8747% | 879 |
| Noninterest income to average assets | 1.6692% | 409 |
| Noninterest expense to average assets | 3.4771% | 496 |
| Loan and lease loss provision to assets | 0.0288% | 2,480 |
| Net operating income to assets | 1.4011% | 1,274 |
| Return on assets (ROA) | 1.3998% | 1,330 |
| Pretax return on assets | 1.6729% | 1,209 |
| Return on Equity (ROE) | 11.0277% | 2,158 |
| Retained earnings to average equity (ytd only) | 7.2407% | 1,828 |
| Net charge-offs to loans | -0.0097% | 3,734 |
| Credit loss provision to net charge-offs | -491.8033% | 3,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7904% | 2,149 |
| Assets per employee ($millions) | 5.0985% | 3,647 |
| Cash dividends to net income (ytd only)* | 34.3407% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6737% | 1,107 |
| Loan loss allowance to noncurrent loans | 3,063.6095% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 3,806 |
| Noncurrent loans to loans | 0.0546% | 3,686 |
| Net loans and leases to total assets | 56.5492% | 2,530 |
| Net loans and leases to deposits | 65.2545% | 2,572 |
| Net loans and leases to core deposits | 65.8371% | 2,835 |
| Total domestic deposits to total assets | 86.6595% | 2,638 |
| Equity capital to assets | 12.5908% | 1,035 |
| Core capital (leverage) ratio | 9.7290% | 2,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1519% | 1,465 |
| Memoranda: | ||
| Average total assets | $1,040,131,400 | 934 |
| Average earning assets | $942,533,400 | 952 |
| Average equity | $132,031,600 | 786 |
| Average total loans | $631,659,600 | 960 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1972% | 1,114 |
| Cost of funding earning assets | 0.2568% | 3,050 |
| Net interest margin | 3.9404% | 872 |
| Noninterest income to average assets | 1.8406% | 386 |
| Noninterest expense to average assets | 3.5482% | 436 |
| Loan and lease loss provision to assets | 0.0388% | 2,218 |
| Net operating income to assets | 1.5028% | 1,269 |
| Return on assets (ROA) | 1.5020% | 1,317 |
| Pretax return on assets | 1.8197% | 1,115 |
| Return on Equity (ROE) | 11.8077% | 2,116 |
| Retained earnings to average equity (ytd only) | 8.7584% | 1,782 |
| Net charge-offs to loans | -0.0065% | 3,514 |
| Credit loss provision to net charge-offs | -967.7419% | 3,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2950% | 2,202 |
| Assets per employee ($millions) | 5.0948% | 3,610 |
| Cash dividends to net income (ytd only)* | 25.8242% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7081% | 1,097 |
| Loan loss allowance to noncurrent loans | 2,984.1040% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 3,946 |
| Noncurrent loans to loans | 0.0572% | 3,816 |
| Net loans and leases to total assets | 55.5320% | 2,783 |
| Net loans and leases to deposits | 63.9774% | 2,855 |
| Net loans and leases to core deposits | 64.7788% | 3,062 |
| Total domestic deposits to total assets | 86.7994% | 2,431 |
| Equity capital to assets | 12.4832% | 1,176 |
| Core capital (leverage) ratio | 9.8494% | 2,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5694% | 1,229 |
| Memoranda: | ||
| Average total assets | $1,031,217,250 | 949 |
| Average earning assets | $933,492,250 | 973 |
| Average equity | $131,177,000 | 804 |
| Average total loans | $634,898,250 | 969 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0619% | 1,424 |
| Cost of funding earning assets | 0.2705% | 3,083 |
| Net interest margin | 3.7913% | 1,151 |
| Noninterest income to average assets | 1.8697% | 366 |
| Noninterest expense to average assets | 3.5136% | 460 |
| Loan and lease loss provision to assets | 0.0589% | 1,853 |
| Net operating income to assets | 1.4319% | 1,479 |
| Return on assets (ROA) | 1.4314% | 1,541 |
| Pretax return on assets | 1.7319% | 1,404 |
| Return on Equity (ROE) | 11.1794% | 2,357 |
| Retained earnings to average equity (ytd only) | 6.5776% | 2,593 |
| Net charge-offs to loans | -0.0050% | 3,437 |
| Credit loss provision to net charge-offs | -1,875.0000% | 3,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9028% | 2,173 |
| Assets per employee ($millions) | 4.9039% | 3,744 |
| Cash dividends to net income (ytd only)* | 41.1636% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6410% | 1,188 |
| Loan loss allowance to noncurrent loans | 1,358.4980% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 3,726 |
| Noncurrent loans to loans | 0.1208% | 3,586 |
| Net loans and leases to total assets | 58.8924% | 2,553 |
| Net loans and leases to deposits | 67.9979% | 2,617 |
| Net loans and leases to core deposits | 68.9695% | 2,867 |
| Total domestic deposits to total assets | 86.6091% | 2,501 |
| Equity capital to assets | 12.5651% | 1,104 |
| Core capital (leverage) ratio | 9.4988% | 2,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3807% | 1,509 |
| Memoranda: | ||
| Average total assets | $1,018,318,000 | 954 |
| Average earning assets | $922,682,333 | 973 |
| Average equity | $130,382,667 | 805 |
| Average total loans | $645,041,000 | 959 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1827% | 1,229 |
| Cost of funding earning assets | 0.2794% | 3,192 |
| Net interest margin | 3.9032% | 983 |
| Noninterest income to average assets | 2.2921% | 297 |
| Noninterest expense to average assets | 3.5741% | 426 |
| Loan and lease loss provision to assets | 0.1197% | 1,149 |
| Net operating income to assets | 1.7476% | 863 |
| Return on assets (ROA) | 1.7460% | 924 |
| Pretax return on assets | 2.1289% | 766 |
| Return on Equity (ROE) | 13.5048% | 1,540 |
| Retained earnings to average equity (ytd only) | 13.5048% | 816 |
| Net charge-offs to loans | -0.0043% | 3,333 |
| Credit loss provision to net charge-offs | -4,285.7143% | 3,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0533% | 2,904 |
| Assets per employee ($millions) | 4.6894% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5745% | 1,358 |
| Loan loss allowance to noncurrent loans | 1,175.9132% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 3,770 |
| Noncurrent loans to loans | 0.1339% | 3,642 |
| Net loans and leases to total assets | 62.7028% | 2,203 |
| Net loans and leases to deposits | 72.4039% | 2,270 |
| Net loans and leases to core deposits | 73.5346% | 2,555 |
| Total domestic deposits to total assets | 86.6014% | 2,480 |
| Equity capital to assets | 12.6795% | 998 |
| Core capital (leverage) ratio | 10.0608% | 2,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4364% | 1,761 |
| Memoranda: | ||
| Average total assets | $1,002,761,000 | 953 |
| Average earning assets | $907,553,000 | 973 |
| Average equity | $129,643,000 | 803 |
| Average total loans | $653,388,000 | 943 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 988 |
| Cost of funding earning assets | 0.7036% | 1,704 |
| Net interest margin | 3.9493% | 1,090 |
| Noninterest income to average assets | 2.7966% | 214 |
| Noninterest expense to average assets | 3.8342% | 440 |
| Loan and lease loss provision to assets | 0.6497% | 279 |
| Net operating income to assets | 1.5352% | 735 |
| Return on assets (ROA) | 1.5618% | 756 |
| Pretax return on assets | 1.9055% | 545 |
| Return on Equity (ROE) | 12.3392% | 1,224 |
| Retained earnings to average equity (ytd only) | 8.6138% | 871 |
| Net charge-offs to loans | 0.0521% | 2,046 |
| Credit loss provision to net charge-offs | 1,839.7626% | 468 |
| Earnings coverage of net charge-offs (x) | 71.4392% | 961 |
| Efficiency ratio | 60.0089% | 3,456 |
| Assets per employee ($millions) | 4.4078% | 4,009 |
| Cash dividends to net income (ytd only)* | 30.1912% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 1,475 |
| Loan loss allowance to noncurrent loans | 1,017.7189% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 3,810 |
| Noncurrent loans to loans | 0.1505% | 3,683 |
| Net loans and leases to total assets | 65.6626% | 2,137 |
| Net loans and leases to deposits | 76.4721% | 2,231 |
| Net loans and leases to core deposits | 77.6962% | 2,580 |
| Total domestic deposits to total assets | 85.8648% | 2,422 |
| Equity capital to assets | 13.1900% | 1,026 |
| Core capital (leverage) ratio | 9.3993% | 3,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7741% | 1,606 |
| Memoranda: | ||
| Average total assets | $954,332,800 | 919 |
| Average earning assets | $860,320,000 | 939 |
| Average equity | $120,794,200 | 816 |
| Average total loans | $647,295,600 | 920 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5890% | 1,339 |
| Cost of funding earning assets | 0.7140% | 1,938 |
| Net interest margin | 3.8750% | 1,418 |
| Noninterest income to average assets | 3.0630% | 177 |
| Noninterest expense to average assets | 3.7476% | 487 |
| Loan and lease loss provision to assets | 0.6257% | 389 |
| Net operating income to assets | 1.7780% | 476 |
| Return on assets (ROA) | 1.8138% | 486 |
| Pretax return on assets | 2.2257% | 324 |
| Return on Equity (ROE) | 14.4869% | 797 |
| Retained earnings to average equity (ytd only) | 9.4333% | 878 |
| Net charge-offs to loans | 0.0268% | 2,298 |
| Credit loss provision to net charge-offs | 3,423.0769% | 315 |
| Earnings coverage of net charge-offs (x) | 153.5846% | 589 |
| Efficiency ratio | 56.8726% | 3,809 |
| Assets per employee ($millions) | 4.7177% | 3,574 |
| Cash dividends to net income (ytd only)* | 34.8837% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 2,654 |
| Loan loss allowance to noncurrent loans | 625.0740% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 3,741 |
| Noncurrent loans to loans | 0.1922% | 3,622 |
| Net loans and leases to total assets | 69.8339% | 1,979 |
| Net loans and leases to deposits | 84.3731% | 1,869 |
| Net loans and leases to core deposits | 86.0690% | 2,294 |
| Total domestic deposits to total assets | 82.7680% | 3,197 |
| Equity capital to assets | 12.6686% | 1,343 |
| Core capital (leverage) ratio | 9.2112% | 3,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9129% | 1,857 |
| Memoranda: | ||
| Average total assets | $948,280,500 | 914 |
| Average earning assets | $854,512,750 | 929 |
| Average equity | $118,725,250 | 827 |
| Average total loans | $645,987,000 | 918 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5964% | 1,651 |
| Cost of funding earning assets | 0.7348% | 2,204 |
| Net interest margin | 3.8616% | 1,664 |
| Noninterest income to average assets | 2.2827% | 254 |
| Noninterest expense to average assets | 3.5800% | 675 |
| Loan and lease loss provision to assets | 0.3110% | 1,387 |
| Net operating income to assets | 1.5313% | 877 |
| Return on assets (ROA) | 1.5859% | 855 |
| Pretax return on assets | 1.9377% | 629 |
| Return on Equity (ROE) | 12.7210% | 1,167 |
| Retained earnings to average equity (ytd only) | 4.9800% | 2,481 |
| Net charge-offs to loans | -0.0026% | 3,860 |
| Credit loss provision to net charge-offs | -18,125.0000% | 4,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7858% | 3,157 |
| Assets per employee ($millions) | 4.7720% | 3,442 |
| Cash dividends to net income (ytd only)* | 60.8519% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8041% | 4,334 |
| Loan loss allowance to noncurrent loans | 247.4104% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.2222% | 3,442 |
| Noncurrent loans to loans | 0.3250% | 3,225 |
| Net loans and leases to total assets | 67.8292% | 2,386 |
| Net loans and leases to deposits | 82.4060% | 2,164 |
| Net loans and leases to core deposits | 85.2033% | 2,505 |
| Total domestic deposits to total assets | 82.3109% | 3,284 |
| Equity capital to assets | 11.8845% | 1,736 |
| Core capital (leverage) ratio | 8.8224% | 4,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8055% | 3,013 |
| Memoranda: | ||
| Average total assets | $932,565,333 | 909 |
| Average earning assets | $840,219,667 | 927 |
| Average equity | $116,264,667 | 836 |
| Average total loans | $626,784,000 | 935 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 1,945 |
| Cost of funding earning assets | 0.9205% | 1,765 |
| Net interest margin | 3.7004% | 2,315 |
| Noninterest income to average assets | 1.2728% | 542 |
| Noninterest expense to average assets | 3.6055% | 808 |
| Loan and lease loss provision to assets | 0.2470% | 1,260 |
| Net operating income to assets | 0.6418% | 3,470 |
| Return on assets (ROA) | 0.6418% | 3,534 |
| Pretax return on assets | 0.7406% | 3,566 |
| Return on Equity (ROE) | 5.0141% | 3,626 |
| Retained earnings to average equity (ytd only) | -10.7757% | 4,791 |
| Net charge-offs to loans | -0.0040% | 3,797 |
| Credit loss provision to net charge-offs | -9,166.6667% | 3,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0385% | 1,327 |
| Assets per employee ($millions) | 4.1818% | 3,682 |
| Cash dividends to net income (ytd only)* | 314.9055% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7896% | 4,438 |
| Loan loss allowance to noncurrent loans | 351.8769% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 3,906 |
| Noncurrent loans to loans | 0.2244% | 3,679 |
| Net loans and leases to total assets | 65.1971% | 2,909 |
| Net loans and leases to deposits | 80.5173% | 2,626 |
| Net loans and leases to core deposits | 82.6084% | 2,970 |
| Total domestic deposits to total assets | 80.9727% | 3,672 |
| Equity capital to assets | 12.6171% | 1,664 |
| Core capital (leverage) ratio | 9.1481% | 4,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8482% | 2,776 |
| Memoranda: | ||
| Average total assets | $890,627,000 | 918 |
| Average earning assets | $799,149,500 | 942 |
| Average equity | $113,997,500 | 840 |
| Average total loans | $592,659,500 | 950 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9338% | 1,652 |
| Cost of funding earning assets | 1.0096% | 1,684 |
| Net interest margin | 3.9242% | 2,093 |
| Noninterest income to average assets | 1.5229% | 401 |
| Noninterest expense to average assets | 3.5652% | 884 |
| Loan and lease loss provision to assets | 0.0641% | 2,747 |
| Net operating income to assets | 1.1646% | 2,199 |
| Return on assets (ROA) | 1.1650% | 2,292 |
| Pretax return on assets | 1.4005% | 2,158 |
| Return on Equity (ROE) | 9.3252% | 2,594 |
| Retained earnings to average equity (ytd only) | 9.3252% | 628 |
| Net charge-offs to loans | -0.0093% | 4,452 |
| Credit loss provision to net charge-offs | -1,018.5185% | 4,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5197% | 2,095 |
| Assets per employee ($millions) | 4.0460% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6983% | 4,576 |
| Loan loss allowance to noncurrent loans | 389.8113% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 4,034 |
| Noncurrent loans to loans | 0.1791% | 3,817 |
| Net loans and leases to total assets | 66.9254% | 2,843 |
| Net loans and leases to deposits | 82.9918% | 2,440 |
| Net loans and leases to core deposits | 85.5285% | 2,822 |
| Total domestic deposits to total assets | 80.6409% | 3,845 |
| Equity capital to assets | 12.9875% | 1,532 |
| Core capital (leverage) ratio | 9.3198% | 4,261 |
| Tier 1 risk-based capital ratio | 12.6380% | 3,987 |
| Total risk-based capital ratio | 13.3017% | 4,208 |
| Memoranda: | ||
| Average total assets | $857,844,000 | 920 |
| Average earning assets | $766,521,800 | 943 |
| Average equity | $107,171,800 | 849 |
| Average total loans | $582,214,400 | 933 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9143% | 1,775 |
| Cost of funding earning assets | 0.9981% | 1,771 |
| Net interest margin | 3.9163% | 2,200 |
| Noninterest income to average assets | 1.4810% | 411 |
| Noninterest expense to average assets | 3.5007% | 950 |
| Loan and lease loss provision to assets | 0.0625% | 2,648 |
| Net operating income to assets | 1.1736% | 2,292 |
| Return on assets (ROA) | 1.1738% | 2,370 |
| Pretax return on assets | 1.4130% | 2,255 |
| Return on Equity (ROE) | 9.4924% | 2,675 |
| Retained earnings to average equity (ytd only) | 9.4924% | 896 |
| Net charge-offs to loans | -0.0062% | 4,260 |
| Credit loss provision to net charge-offs | -1,481.4815% | 4,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9783% | 2,117 |
| Assets per employee ($millions) | 4.1691% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6691% | 4,700 |
| Loan loss allowance to noncurrent loans | 325.4321% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 4,038 |
| Noncurrent loans to loans | 0.2056% | 3,803 |
| Net loans and leases to total assets | 67.0495% | 2,921 |
| Net loans and leases to deposits | 82.9771% | 2,569 |
| Net loans and leases to core deposits | 86.3209% | 2,880 |
| Total domestic deposits to total assets | 80.8048% | 3,806 |
| Equity capital to assets | 12.7435% | 1,756 |
| Core capital (leverage) ratio | 9.2948% | 4,373 |
| Tier 1 risk-based capital ratio | 12.0861% | 4,377 |
| Total risk-based capital ratio | 12.7159% | 4,584 |
| Memoranda: | ||
| Average total assets | $852,809,500 | 921 |
| Average earning assets | $761,045,750 | 949 |
| Average equity | $105,457,750 | 860 |
| Average total loans | $579,836,750 | 933 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8967% | 1,763 |
| Cost of funding earning assets | 0.9729% | 1,815 |
| Net interest margin | 3.9238% | 2,172 |
| Noninterest income to average assets | 1.3350% | 494 |
| Noninterest expense to average assets | 3.4146% | 1,081 |
| Loan and lease loss provision to assets | 0.0592% | 2,640 |
| Net operating income to assets | 1.1334% | 2,394 |
| Return on assets (ROA) | 1.1334% | 2,472 |
| Pretax return on assets | 1.3606% | 2,342 |
| Return on Equity (ROE) | 9.2632% | 2,749 |
| Retained earnings to average equity (ytd only) | 9.2632% | 967 |
| Net charge-offs to loans | -0.0302% | 4,681 |
| Credit loss provision to net charge-offs | -287.3563% | 4,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2462% | 2,186 |
| Assets per employee ($millions) | 4.0921% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6632% | 4,771 |
| Loan loss allowance to noncurrent loans | 211.8421% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 3,720 |
| Noncurrent loans to loans | 0.3131% | 3,419 |
| Net loans and leases to total assets | 67.6688% | 2,865 |
| Net loans and leases to deposits | 83.7318% | 2,519 |
| Net loans and leases to core deposits | 85.8831% | 2,970 |
| Total domestic deposits to total assets | 80.8161% | 3,870 |
| Equity capital to assets | 12.5993% | 1,799 |
| Core capital (leverage) ratio | 9.0302% | 4,605 |
| Tier 1 risk-based capital ratio | 11.8473% | 4,504 |
| Total risk-based capital ratio | 12.4736% | 4,714 |
| Memoranda: | ||
| Average total assets | $845,242,670 | 923 |
| Average earning assets | $753,808,670 | 957 |
| Average equity | $103,420,000 | 869 |
| Average total loans | $576,122,670 | 941 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8016% | 1,894 |
| Cost of funding earning assets | 0.9319% | 1,879 |
| Net interest margin | 3.8697% | 2,284 |
| Noninterest income to average assets | 1.1939% | 569 |
| Noninterest expense to average assets | 3.3681% | 1,164 |
| Loan and lease loss provision to assets | 0.0476% | 2,696 |
| Net operating income to assets | 1.0307% | 2,741 |
| Return on assets (ROA) | 1.0307% | 2,780 |
| Pretax return on assets | 1.2258% | 2,713 |
| Return on Equity (ROE) | 8.5529% | 3,011 |
| Retained earnings to average equity (ytd only) | 8.5529% | 1,466 |
| Net charge-offs to loans | -0.0119% | 4,290 |
| Credit loss provision to net charge-offs | -588.2353% | 3,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1538% | 2,017 |
| Assets per employee ($millions) | 4.0934% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6321% | 4,880 |
| Loan loss allowance to noncurrent loans | 224.7995% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 3,802 |
| Noncurrent loans to loans | 0.2812% | 3,555 |
| Net loans and leases to total assets | 67.2758% | 2,864 |
| Net loans and leases to deposits | 82.7354% | 2,534 |
| Net loans and leases to core deposits | 84.7052% | 2,970 |
| Total domestic deposits to total assets | 81.3143% | 3,900 |
| Equity capital to assets | 12.1408% | 1,940 |
| Core capital (leverage) ratio | 8.9509% | 4,685 |
| Tier 1 risk-based capital ratio | 11.3958% | 4,785 |
| Total risk-based capital ratio | 11.9886% | 4,994 |
| Memoranda: | ||
| Average total assets | $840,242,000 | 931 |
| Average earning assets | $748,585,500 | 961 |
| Average equity | $101,252,500 | 877 |
| Average total loans | $572,885,500 | 950 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8084% | 1,531 |
| Cost of funding earning assets | 0.6952% | 2,119 |
| Net interest margin | 4.1131% | 1,643 |
| Noninterest income to average assets | 1.1751% | 672 |
| Noninterest expense to average assets | 3.3556% | 1,216 |
| Loan and lease loss provision to assets | 0.0561% | 3,047 |
| Net operating income to assets | 1.1922% | 2,213 |
| Return on assets (ROA) | 1.1916% | 2,213 |
| Pretax return on assets | 1.4245% | 2,060 |
| Return on Equity (ROE) | 10.0279% | 2,507 |
| Retained earnings to average equity (ytd only) | 5.3106% | 2,592 |
| Net charge-offs to loans | -0.0445% | 4,940 |
| Credit loss provision to net charge-offs | -186.7220% | 4,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9295% | 2,401 |
| Assets per employee ($millions) | 4.0245% | 3,864 |
| Cash dividends to net income (ytd only)* | 47.0416% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6195% | 4,942 |
| Loan loss allowance to noncurrent loans | 203.0512% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 3,716 |
| Noncurrent loans to loans | 0.3051% | 3,457 |
| Net loans and leases to total assets | 68.2457% | 2,849 |
| Net loans and leases to deposits | 84.4877% | 2,459 |
| Net loans and leases to core deposits | 86.4306% | 2,880 |
| Total domestic deposits to total assets | 80.7760% | 3,938 |
| Equity capital to assets | 11.9575% | 1,928 |
| Core capital (leverage) ratio | 8.7877% | 4,818 |
| Tier 1 risk-based capital ratio | 11.0773% | 4,936 |
| Total risk-based capital ratio | 11.6521% | 5,125 |
| Memoranda: | ||
| Average total assets | $802,799,000 | 947 |
| Average earning assets | $714,714,600 | 968 |
| Average equity | $95,394,200 | 889 |
| Average total loans | $541,080,400 | 964 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7412% | 1,568 |
| Cost of funding earning assets | 0.6389% | 2,216 |
| Net interest margin | 4.1023% | 1,620 |
| Noninterest income to average assets | 1.1522% | 706 |
| Noninterest expense to average assets | 3.3857% | 1,140 |
| Loan and lease loss provision to assets | 0.0586% | 2,802 |
| Net operating income to assets | 1.1442% | 2,461 |
| Return on assets (ROA) | 1.1434% | 2,480 |
| Pretax return on assets | 1.3594% | 2,382 |
| Return on Equity (ROE) | 9.6378% | 2,784 |
| Retained earnings to average equity (ytd only) | 9.6378% | 1,014 |
| Net charge-offs to loans | -0.0320% | 4,774 |
| Credit loss provision to net charge-offs | -273.4375% | 4,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0136% | 2,185 |
| Assets per employee ($millions) | 3.9249% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5947% | 5,051 |
| Loan loss allowance to noncurrent loans | 156.3945% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2799% | 3,563 |
| Noncurrent loans to loans | 0.3803% | 3,289 |
| Net loans and leases to total assets | 67.8486% | 2,967 |
| Net loans and leases to deposits | 83.4862% | 2,657 |
| Net loans and leases to core deposits | 85.7258% | 3,017 |
| Total domestic deposits to total assets | 81.2692% | 3,797 |
| Equity capital to assets | 12.1207% | 1,828 |
| Core capital (leverage) ratio | 9.1357% | 4,580 |
| Tier 1 risk-based capital ratio | 11.4261% | 4,838 |
| Total risk-based capital ratio | 11.9748% | 5,060 |
| Memoranda: | ||
| Average total assets | $796,236,000 | 951 |
| Average earning assets | $708,913,000 | 974 |
| Average equity | $94,459,250 | 891 |
| Average total loans | $534,020,750 | 976 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6793% | 1,553 |
| Cost of funding earning assets | 0.5720% | 2,419 |
| Net interest margin | 4.1072% | 1,535 |
| Noninterest income to average assets | 1.1161% | 766 |
| Noninterest expense to average assets | 3.3162% | 1,279 |
| Loan and lease loss provision to assets | 0.0507% | 2,904 |
| Net operating income to assets | 1.1767% | 2,292 |
| Return on assets (ROA) | 1.1779% | 2,289 |
| Pretax return on assets | 1.4084% | 2,114 |
| Return on Equity (ROE) | 10.0041% | 2,561 |
| Retained earnings to average equity (ytd only) | 10.0041% | 928 |
| Net charge-offs to loans | -0.0528% | 4,938 |
| Credit loss provision to net charge-offs | -143.8849% | 4,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0050% | 2,488 |
| Assets per employee ($millions) | 3.8934% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5812% | 5,136 |
| Loan loss allowance to noncurrent loans | 147.7431% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.2912% | 3,603 |
| Noncurrent loans to loans | 0.3934% | 3,284 |
| Net loans and leases to total assets | 67.3848% | 2,964 |
| Net loans and leases to deposits | 84.3401% | 2,497 |
| Net loans and leases to core deposits | 85.8348% | 2,941 |
| Total domestic deposits to total assets | 79.8966% | 4,256 |
| Equity capital to assets | 11.7031% | 2,059 |
| Core capital (leverage) ratio | 8.9610% | 4,722 |
| Tier 1 risk-based capital ratio | 11.1491% | 4,971 |
| Total risk-based capital ratio | 11.6800% | 5,204 |
| Memoranda: | ||
| Average total assets | $789,522,330 | 961 |
| Average earning assets | $703,100,000 | 983 |
| Average equity | $92,962,000 | 898 |
| Average total loans | $526,289,670 | 992 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4557% | 2,009 |
| Cost of funding earning assets | 0.5359% | 2,504 |
| Net interest margin | 3.9198% | 1,966 |
| Noninterest income to average assets | 1.1442% | 709 |
| Noninterest expense to average assets | 3.2914% | 1,365 |
| Loan and lease loss provision to assets | 0.0461% | 2,844 |
| Net operating income to assets | 1.0743% | 2,549 |
| Return on assets (ROA) | 1.0802% | 2,537 |
| Pretax return on assets | 1.3004% | 2,365 |
| Return on Equity (ROE) | 9.1458% | 2,835 |
| Retained earnings to average equity (ytd only) | 9.1458% | 1,412 |
| Net charge-offs to loans | -0.0387% | 4,857 |
| Credit loss provision to net charge-offs | -180.0000% | 3,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6025% | 2,405 |
| Assets per employee ($millions) | 3.9586% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5681% | 5,242 |
| Loan loss allowance to noncurrent loans | 92.4511% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 0.4310% | 3,114 |
| Noncurrent loans to loans | 0.6145% | 2,701 |
| Net loans and leases to total assets | 66.4509% | 2,970 |
| Net loans and leases to deposits | 80.7745% | 2,721 |
| Net loans and leases to core deposits | 87.8644% | 2,640 |
| Total domestic deposits to total assets | 82.2672% | 3,881 |
| Equity capital to assets | 11.7784% | 1,926 |
| Core capital (leverage) ratio | 8.7736% | 4,922 |
| Tier 1 risk-based capital ratio | 11.1250% | 5,068 |
| Total risk-based capital ratio | 11.6423% | 5,306 |
| Memoranda: | ||
| Average total assets | $781,314,500 | 977 |
| Average earning assets | $694,929,500 | 996 |
| Average equity | $92,283,000 | 911 |
| Average total loans | $516,307,000 | 1,017 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1664% | 2,816 |
| Cost of funding earning assets | 0.3880% | 3,355 |
| Net interest margin | 3.7784% | 2,507 |
| Noninterest income to average assets | 0.8936% | 1,289 |
| Noninterest expense to average assets | 3.1567% | 1,707 |
| Loan and lease loss provision to assets | -0.0506% | 5,399 |
| Net operating income to assets | 0.6772% | 3,693 |
| Return on assets (ROA) | 0.6770% | 3,746 |
| Pretax return on assets | 1.1691% | 2,900 |
| Return on Equity (ROE) | 5.3503% | 4,024 |
| Retained earnings to average equity (ytd only) | -26.6668% | 5,636 |
| Net charge-offs to loans | 0.0369% | 3,053 |
| Credit loss provision to net charge-offs | -220.1258% | 4,817 |
| Earnings coverage of net charge-offs (x) | 48.6289% | 1,106 |
| Efficiency ratio | 73.3823% | 2,002 |
| Assets per employee ($millions) | 3.8556% | 4,191 |
| Cash dividends to net income (ytd only)* | 598.4185% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5572% | 5,314 |
| Loan loss allowance to noncurrent loans | 82.7737% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 0.4602% | 3,028 |
| Noncurrent loans to loans | 0.6732% | 2,530 |
| Net loans and leases to total assets | 64.9643% | 3,234 |
| Net loans and leases to deposits | 79.7020% | 2,948 |
| Net loans and leases to core deposits | 87.4539% | 2,770 |
| Total domestic deposits to total assets | 81.5090% | 3,995 |
| Equity capital to assets | 11.8443% | 1,945 |
| Core capital (leverage) ratio | 8.5326% | 5,108 |
| Tier 1 risk-based capital ratio | 10.7256% | 5,285 |
| Total risk-based capital ratio | 11.2160% | 5,486 |
| Memoranda: | ||
| Average total assets | $691,101,200 | 1,057 |
| Average earning assets | $618,573,400 | 1,091 |
| Average equity | $87,453,400 | 925 |
| Average total loans | $430,933,400 | 1,162 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9699% | 3,465 |
| Cost of funding earning assets | 0.3530% | 3,635 |
| Net interest margin | 3.6170% | 3,081 |
| Noninterest income to average assets | 0.7239% | 1,885 |
| Noninterest expense to average assets | 3.0710% | 1,892 |
| Loan and lease loss provision to assets | -0.0697% | 5,551 |
| Net operating income to assets | 0.7002% | 3,981 |
| Return on assets (ROA) | 0.7161% | 3,955 |
| Pretax return on assets | 0.9891% | 3,728 |
| Return on Equity (ROE) | 5.5555% | 4,293 |
| Retained earnings to average equity (ytd only) | -37.7260% | 5,712 |
| Net charge-offs to loans | 0.0577% | 2,305 |
| Credit loss provision to net charge-offs | -196.6292% | 4,621 |
| Earnings coverage of net charge-offs (x) | 25.2975% | 1,731 |
| Efficiency ratio | 76.9733% | 1,461 |
| Assets per employee ($millions) | 3.8096% | 4,297 |
| Cash dividends to net income (ytd only)* | 779.0763% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5633% | 5,386 |
| Loan loss allowance to noncurrent loans | 80.7858% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 0.5117% | 3,019 |
| Noncurrent loans to loans | 0.6973% | 2,612 |
| Net loans and leases to total assets | 64.6181% | 3,305 |
| Net loans and leases to deposits | 77.3761% | 3,235 |
| Net loans and leases to core deposits | 84.8526% | 3,056 |
| Total domestic deposits to total assets | 83.5117% | 3,285 |
| Equity capital to assets | 11.9090% | 2,024 |
| Core capital (leverage) ratio | 8.3733% | 5,333 |
| Tier 1 risk-based capital ratio | 10.5462% | 5,433 |
| Total risk-based capital ratio | 11.0445% | 5,604 |
| Memoranda: | ||
| Average total assets | $669,169,250 | 1,097 |
| Average earning assets | $600,231,500 | 1,122 |
| Average equity | $86,255,000 | 947 |
| Average total loans | $411,467,750 | 1,219 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9747% | 3,302 |
| Cost of funding earning assets | 0.3448% | 3,632 |
| Net interest margin | 3.6299% | 2,914 |
| Noninterest income to average assets | 0.7245% | 1,889 |
| Noninterest expense to average assets | 2.9199% | 2,362 |
| Loan and lease loss provision to assets | -0.1101% | 5,652 |
| Net operating income to assets | 0.8914% | 2,956 |
| Return on assets (ROA) | 0.9105% | 2,908 |
| Pretax return on assets | 1.2125% | 2,727 |
| Return on Equity (ROE) | 6.8531% | 3,635 |
| Retained earnings to average equity (ytd only) | -0.2510% | 5,117 |
| Net charge-offs to loans | 0.0869% | 1,740 |
| Credit loss provision to net charge-offs | -210.8434% | 4,479 |
| Earnings coverage of net charge-offs (x) | 20.6205% | 1,785 |
| Efficiency ratio | 72.5992% | 2,248 |
| Assets per employee ($millions) | 4.0258% | 3,911 |
| Cash dividends to net income (ytd only)* | 103.6628% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7333% | 5,127 |
| Loan loss allowance to noncurrent loans | 73.6144% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 0.6582% | 2,571 |
| Noncurrent loans to loans | 0.9962% | 1,971 |
| Net loans and leases to total assets | 60.2040% | 3,827 |
| Net loans and leases to deposits | 71.0597% | 3,825 |
| Net loans and leases to core deposits | 77.2194% | 3,662 |
| Total domestic deposits to total assets | 84.7231% | 2,927 |
| Equity capital to assets | 13.3687% | 1,199 |
| Core capital (leverage) ratio | 11.7531% | 1,795 |
| Tier 1 risk-based capital ratio | 15.2648% | 2,822 |
| Total risk-based capital ratio | 15.8662% | 3,023 |
| Memoranda: | ||
| Average total assets | $635,710,670 | 1,149 |
| Average earning assets | $573,077,670 | 1,175 |
| Average equity | $84,458,330 | 969 |
| Average total loans | $381,929,670 | 1,295 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8116% | 3,724 |
| Cost of funding earning assets | 0.3324% | 3,726 |
| Net interest margin | 3.4792% | 3,360 |
| Noninterest income to average assets | 0.7402% | 1,781 |
| Noninterest expense to average assets | 2.8392% | 2,653 |
| Loan and lease loss provision to assets | -0.2203% | 5,794 |
| Net operating income to assets | 0.9369% | 2,573 |
| Return on assets (ROA) | 0.9756% | 2,466 |
| Pretax return on assets | 1.3154% | 2,181 |
| Return on Equity (ROE) | 7.3661% | 3,227 |
| Retained earnings to average equity (ytd only) | 0.2376% | 4,859 |
| Net charge-offs to loans | 0.0221% | 2,328 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,543 |
| Earnings coverage of net charge-offs (x) | 78.9048% | 661 |
| Efficiency ratio | 72.5843% | 2,471 |
| Assets per employee ($millions) | 4.0464% | 3,930 |
| Cash dividends to net income (ytd only)* | 96.7742% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7777% | 5,114 |
| Loan loss allowance to noncurrent loans | 53.4700% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 0.9449% | 1,945 |
| Noncurrent loans to loans | 1.4544% | 1,382 |
| Net loans and leases to total assets | 59.3498% | 3,850 |
| Net loans and leases to deposits | 70.9062% | 3,704 |
| Net loans and leases to core deposits | 76.8232% | 3,570 |
| Total domestic deposits to total assets | 83.7017% | 3,579 |
| Equity capital to assets | 13.1996% | 1,185 |
| Core capital (leverage) ratio | 11.8204% | 1,734 |
| Tier 1 risk-based capital ratio | 15.5523% | 2,731 |
| Total risk-based capital ratio | 16.1931% | 2,924 |
| Memoranda: | ||
| Average total assets | $635,524,000 | 1,150 |
| Average earning assets | $573,931,500 | 1,173 |
| Average equity | $84,169,500 | 970 |
| Average total loans | $380,006,000 | 1,302 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8756% | 3,663 |
| Cost of funding earning assets | 0.3109% | 3,950 |
| Net interest margin | 3.5647% | 3,207 |
| Noninterest income to average assets | 0.7687% | 1,888 |
| Noninterest expense to average assets | 2.7772% | 3,098 |
| Loan and lease loss provision to assets | -0.1215% | 5,711 |
| Net operating income to assets | 0.9892% | 2,397 |
| Return on assets (ROA) | 1.0081% | 2,419 |
| Pretax return on assets | 1.3604% | 2,063 |
| Return on Equity (ROE) | 7.3605% | 3,291 |
| Retained earnings to average equity (ytd only) | 4.3153% | 2,827 |
| Net charge-offs to loans | -0.0720% | 5,491 |
| Credit loss provision to net charge-offs | 287.3563% | 1,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0384% | 3,065 |
| Assets per employee ($millions) | 4.0756% | 3,833 |
| Cash dividends to net income (ytd only)* | 41.3721% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8859% | 4,835 |
| Loan loss allowance to noncurrent loans | 54.9803% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 1.0546% | 1,789 |
| Noncurrent loans to loans | 1.6112% | 1,217 |
| Net loans and leases to total assets | 59.2436% | 3,933 |
| Net loans and leases to deposits | 71.2896% | 3,782 |
| Net loans and leases to core deposits | 77.4563% | 3,608 |
| Total domestic deposits to total assets | 83.1027% | 3,735 |
| Equity capital to assets | 13.2892% | 1,141 |
| Core capital (leverage) ratio | 12.0289% | 1,581 |
| Tier 1 risk-based capital ratio | 15.8550% | 2,606 |
| Total risk-based capital ratio | 16.5879% | 2,752 |
| Memoranda: | ||
| Average total assets | $617,387,800 | 1,135 |
| Average earning assets | $558,005,400 | 1,154 |
| Average equity | $84,560,000 | 942 |
| Average total loans | $362,266,000 | 1,299 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8653% | 3,718 |
| Cost of funding earning assets | 0.3092% | 3,991 |
| Net interest margin | 3.5561% | 3,247 |
| Noninterest income to average assets | 0.7201% | 2,081 |
| Noninterest expense to average assets | 2.7928% | 3,032 |
| Loan and lease loss provision to assets | -0.1521% | 5,841 |
| Net operating income to assets | 0.9666% | 2,584 |
| Return on assets (ROA) | 0.9925% | 2,611 |
| Pretax return on assets | 1.3292% | 2,314 |
| Return on Equity (ROE) | 7.1912% | 3,452 |
| Retained earnings to average equity (ytd only) | 3.1384% | 4,035 |
| Net charge-offs to loans | -0.0945% | 5,555 |
| Credit loss provision to net charge-offs | 275.5906% | 1,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3980% | 2,835 |
| Assets per employee ($millions) | 3.8939% | 4,141 |
| Cash dividends to net income (ytd only)* | 56.3581% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9431% | 4,694 |
| Loan loss allowance to noncurrent loans | 51.2169% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 1.1565% | 1,737 |
| Noncurrent loans to loans | 1.8414% | 1,109 |
| Net loans and leases to total assets | 57.8411% | 4,113 |
| Net loans and leases to deposits | 68.5962% | 4,097 |
| Net loans and leases to core deposits | 75.9174% | 3,843 |
| Total domestic deposits to total assets | 84.3211% | 3,089 |
| Equity capital to assets | 13.9819% | 1,039 |
| Core capital (leverage) ratio | 11.9489% | 1,716 |
| Tier 1 risk-based capital ratio | 16.1553% | 2,562 |
| Total risk-based capital ratio | 16.9293% | 2,690 |
| Memoranda: | ||
| Average total assets | $613,805,750 | 1,146 |
| Average earning assets | $554,980,750 | 1,162 |
| Average equity | $84,712,500 | 947 |
| Average total loans | $358,433,500 | 1,308 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8044% | 3,940 |
| Cost of funding earning assets | 0.2994% | 4,139 |
| Net interest margin | 3.5050% | 3,475 |
| Noninterest income to average assets | 0.6669% | 2,297 |
| Noninterest expense to average assets | 2.7835% | 3,078 |
| Loan and lease loss provision to assets | -0.2283% | 5,947 |
| Net operating income to assets | 0.9558% | 2,601 |
| Return on assets (ROA) | 0.9890% | 2,580 |
| Pretax return on assets | 1.3249% | 2,305 |
| Return on Equity (ROE) | 7.1978% | 3,423 |
| Retained earnings to average equity (ytd only) | 2.7481% | 4,152 |
| Net charge-offs to loans | -0.1307% | 5,702 |
| Credit loss provision to net charge-offs | 299.1453% | 970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9799% | 2,657 |
| Assets per employee ($millions) | 3.9489% | 4,001 |
| Cash dividends to net income (ytd only)* | 61.8200% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9340% | 4,825 |
| Loan loss allowance to noncurrent loans | 45.4889% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 1.3063% | 1,544 |
| Noncurrent loans to loans | 2.0533% | 954 |
| Net loans and leases to total assets | 57.9880% | 4,117 |
| Net loans and leases to deposits | 69.5271% | 4,030 |
| Net loans and leases to core deposits | 76.7022% | 3,763 |
| Total domestic deposits to total assets | 83.4035% | 3,500 |
| Equity capital to assets | 13.9256% | 1,052 |
| Core capital (leverage) ratio | 11.8631% | 1,721 |
| Tier 1 risk-based capital ratio | 16.0452% | 2,622 |
| Total risk-based capital ratio | 16.8179% | 2,774 |
| Memoranda: | ||
| Average total assets | $613,331,000 | 1,154 |
| Average earning assets | $554,520,330 | 1,169 |
| Average equity | $84,276,330 | 946 |
| Average total loans | $358,163,330 | 1,306 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7968% | 3,956 |
| Cost of funding earning assets | 0.2867% | 4,313 |
| Net interest margin | 3.5101% | 3,432 |
| Noninterest income to average assets | 0.6523% | 2,255 |
| Noninterest expense to average assets | 2.8197% | 2,997 |
| Loan and lease loss provision to assets | -0.2614% | 6,040 |
| Net operating income to assets | 0.9432% | 2,542 |
| Return on assets (ROA) | 1.0020% | 2,388 |
| Pretax return on assets | 1.3419% | 2,132 |
| Return on Equity (ROE) | 7.3418% | 3,267 |
| Retained earnings to average equity (ytd only) | 2.6723% | 4,178 |
| Net charge-offs to loans | -0.2420% | 5,888 |
| Credit loss provision to net charge-offs | 185.1852% | 1,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1999% | 2,604 |
| Assets per employee ($millions) | 4.0282% | 3,902 |
| Cash dividends to net income (ytd only)* | 63.6008% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0158% | 4,515 |
| Loan loss allowance to noncurrent loans | 42.5160% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 1.4170% | 1,461 |
| Noncurrent loans to loans | 2.3893% | 812 |
| Net loans and leases to total assets | 57.7071% | 4,077 |
| Net loans and leases to deposits | 67.5318% | 4,105 |
| Net loans and leases to core deposits | 74.7407% | 3,818 |
| Total domestic deposits to total assets | 85.4518% | 2,933 |
| Equity capital to assets | 13.7072% | 1,085 |
| Core capital (leverage) ratio | 11.7211% | 1,811 |
| Tier 1 risk-based capital ratio | 16.1927% | 2,589 |
| Total risk-based capital ratio | 17.0445% | 2,719 |
| Memoranda: | ||
| Average total assets | $611,985,500 | 1,154 |
| Average earning assets | $552,573,500 | 1,173 |
| Average equity | $83,522,000 | 950 |
| Average total loans | $356,951,500 | 1,303 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0248% | 3,217 |
| Cost of funding earning assets | 0.2876% | 4,390 |
| Net interest margin | 3.7371% | 2,614 |
| Noninterest income to average assets | 0.7207% | 2,102 |
| Noninterest expense to average assets | 2.7411% | 3,443 |
| Loan and lease loss provision to assets | 0.0609% | 3,085 |
| Net operating income to assets | 1.0206% | 2,256 |
| Return on assets (ROA) | 1.0352% | 2,279 |
| Pretax return on assets | 1.3174% | 2,213 |
| Return on Equity (ROE) | 8.0163% | 2,949 |
| Retained earnings to average equity (ytd only) | 4.3130% | 2,907 |
| Net charge-offs to loans | 0.1084% | 2,302 |
| Credit loss provision to net charge-offs | 98.4536% | 2,584 |
| Earnings coverage of net charge-offs (x) | 21.9845% | 1,788 |
| Efficiency ratio | 66.3090% | 3,853 |
| Assets per employee ($millions) | 4.0242% | 3,896 |
| Cash dividends to net income (ytd only)* | 46.1965% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 4,142 |
| Loan loss allowance to noncurrent loans | 146.7279% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 3,772 |
| Noncurrent loans to loans | 0.7369% | 2,966 |
| Net loans and leases to total assets | 57.7237% | 4,117 |
| Net loans and leases to deposits | 67.6164% | 4,161 |
| Net loans and leases to core deposits | 77.2284% | 3,636 |
| Total domestic deposits to total assets | 85.3693% | 2,916 |
| Equity capital to assets | 13.5874% | 1,094 |
| Core capital (leverage) ratio | 11.7489% | 1,785 |
| Tier 1 risk-based capital ratio | 15.9221% | 2,725 |
| Total risk-based capital ratio | 16.7991% | 2,840 |
| Memoranda: | ||
| Average total assets | $627,302,600 | 1,088 |
| Average earning assets | $567,389,200 | 1,098 |
| Average equity | $81,010,200 | 937 |
| Average total loans | $357,942,400 | 1,262 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9911% | 3,378 |
| Cost of funding earning assets | 0.2918% | 4,430 |
| Net interest margin | 3.6992% | 2,775 |
| Noninterest income to average assets | 0.6763% | 2,344 |
| Noninterest expense to average assets | 2.7153% | 3,509 |
| Loan and lease loss provision to assets | 0.0211% | 3,853 |
| Net operating income to assets | 1.0267% | 2,345 |
| Return on assets (ROA) | 1.0462% | 2,333 |
| Pretax return on assets | 1.3141% | 2,337 |
| Return on Equity (ROE) | 8.2044% | 2,967 |
| Retained earnings to average equity (ytd only) | 4.8968% | 2,990 |
| Net charge-offs to loans | 0.1349% | 1,786 |
| Credit loss provision to net charge-offs | 27.5482% | 3,297 |
| Earnings coverage of net charge-offs (x) | 17.1211% | 2,073 |
| Efficiency ratio | 66.9041% | 3,731 |
| Assets per employee ($millions) | 4.0726% | 3,753 |
| Cash dividends to net income (ytd only)* | 40.3145% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 4,778 |
| Loan loss allowance to noncurrent loans | 83.9277% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 0.7444% | 3,043 |
| Noncurrent loans to loans | 1.1857% | 2,156 |
| Net loans and leases to total assets | 57.8682% | 4,158 |
| Net loans and leases to deposits | 69.2825% | 4,064 |
| Net loans and leases to core deposits | 79.9712% | 3,431 |
| Total domestic deposits to total assets | 83.5250% | 3,604 |
| Equity capital to assets | 13.4437% | 1,255 |
| Core capital (leverage) ratio | 11.3623% | 2,144 |
| Tier 1 risk-based capital ratio | 15.5870% | 3,007 |
| Total risk-based capital ratio | 16.3953% | 3,156 |
| Memoranda: | ||
| Average total assets | $632,213,500 | 1,089 |
| Average earning assets | $572,462,750 | 1,099 |
| Average equity | $80,621,500 | 952 |
| Average total loans | $358,778,750 | 1,268 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9390% | 3,537 |
| Cost of funding earning assets | 0.2987% | 4,410 |
| Net interest margin | 3.6404% | 2,941 |
| Noninterest income to average assets | 0.6985% | 2,221 |
| Noninterest expense to average assets | 2.7190% | 3,529 |
| Loan and lease loss provision to assets | 0.0313% | 3,494 |
| Net operating income to assets | 1.0288% | 2,237 |
| Return on assets (ROA) | 1.0424% | 2,286 |
| Pretax return on assets | 1.2618% | 2,501 |
| Return on Equity (ROE) | 8.3190% | 2,883 |
| Retained earnings to average equity (ytd only) | 4.5661% | 3,128 |
| Net charge-offs to loans | 0.2298% | 1,123 |
| Credit loss provision to net charge-offs | 24.2718% | 2,978 |
| Earnings coverage of net charge-offs (x) | 9.8859% | 2,411 |
| Efficiency ratio | 67.5035% | 3,743 |
| Assets per employee ($millions) | 4.0783% | 3,727 |
| Cash dividends to net income (ytd only)* | 45.1128% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 4,941 |
| Loan loss allowance to noncurrent loans | 51.0423% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 1.1927% | 2,119 |
| Noncurrent loans to loans | 1.9297% | 1,292 |
| Net loans and leases to total assets | 56.4360% | 4,293 |
| Net loans and leases to deposits | 68.1689% | 4,121 |
| Net loans and leases to core deposits | 78.9037% | 3,493 |
| Total domestic deposits to total assets | 82.7885% | 4,036 |
| Equity capital to assets | 12.8256% | 1,475 |
| Core capital (leverage) ratio | 10.8791% | 2,536 |
| Tier 1 risk-based capital ratio | 16.4934% | 2,605 |
| Total risk-based capital ratio | 17.3629% | 2,753 |
| Memoranda: | ||
| Average total assets | $637,966,000 | 1,082 |
| Average earning assets | $577,856,330 | 1,093 |
| Average equity | $79,937,670 | 963 |
| Average total loans | $358,558,000 | 1,272 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9196% | 3,521 |
| Cost of funding earning assets | 0.3095% | 4,330 |
| Net interest margin | 3.6101% | 2,965 |
| Noninterest income to average assets | 0.6035% | 2,629 |
| Noninterest expense to average assets | 2.8003% | 3,255 |
| Loan and lease loss provision to assets | 0.0622% | 2,684 |
| Net operating income to assets | 0.7697% | 3,431 |
| Return on assets (ROA) | 0.7858% | 3,469 |
| Pretax return on assets | 1.0347% | 3,363 |
| Return on Equity (ROE) | 6.3443% | 3,856 |
| Retained earnings to average equity (ytd only) | 1.3211% | 4,954 |
| Net charge-offs to loans | 0.4648% | 532 |
| Credit loss provision to net charge-offs | 23.9808% | 2,328 |
| Earnings coverage of net charge-offs (x) | 4.1463% | 2,528 |
| Efficiency ratio | 71.7014% | 3,218 |
| Assets per employee ($millions) | 4.2758% | 3,421 |
| Cash dividends to net income (ytd only)* | 79.1766% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 5,095 |
| Loan loss allowance to noncurrent loans | 40.1368% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 1.4269% | 1,853 |
| Noncurrent loans to loans | 2.4612% | 992 |
| Net loans and leases to total assets | 55.4092% | 4,273 |
| Net loans and leases to deposits | 64.4648% | 4,321 |
| Net loans and leases to core deposits | 76.1937% | 3,577 |
| Total domestic deposits to total assets | 85.9526% | 2,969 |
| Equity capital to assets | 12.5843% | 1,640 |
| Core capital (leverage) ratio | 10.4367% | 3,051 |
| Tier 1 risk-based capital ratio | 11.8676% | 5,327 |
| Total risk-based capital ratio | 12.5094% | 5,598 |
| Memoranda: | ||
| Average total assets | $642,920,000 | 1,082 |
| Average earning assets | $582,811,000 | 1,087 |
| Average equity | $79,630,500 | 960 |
| Average total loans | $358,848,500 | 1,271 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6823% | 4,846 |
| Cost of funding earning assets | 0.4339% | 3,346 |
| Net interest margin | 3.2484% | 4,756 |
| Noninterest income to average assets | 0.6777% | 2,416 |
| Noninterest expense to average assets | 2.6860% | 3,917 |
| Loan and lease loss provision to assets | -0.0731% | 6,096 |
| Net operating income to assets | 0.7797% | 3,474 |
| Return on assets (ROA) | 0.8327% | 3,302 |
| Pretax return on assets | 1.0740% | 3,187 |
| Return on Equity (ROE) | 6.5678% | 3,864 |
| Retained earnings to average equity (ytd only) | 2.2786% | 4,617 |
| Net charge-offs to loans | -0.0811% | 6,065 |
| Credit loss provision to net charge-offs | 168.6275% | 1,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9529% | 2,844 |
| Assets per employee ($millions) | 4.5686% | 2,926 |
| Cash dividends to net income (ytd only)* | 65.3061% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0632% | 4,746 |
| Loan loss allowance to noncurrent loans | 47.6841% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 1.3239% | 2,123 |
| Noncurrent loans to loans | 2.2297% | 1,187 |
| Net loans and leases to total assets | 55.0796% | 4,442 |
| Net loans and leases to deposits | 63.1806% | 4,613 |
| Net loans and leases to core deposits | 76.2291% | 3,682 |
| Total domestic deposits to total assets | 87.1780% | 2,179 |
| Equity capital to assets | 12.1908% | 1,870 |
| Core capital (leverage) ratio | 10.8044% | 2,609 |
| Tier 1 risk-based capital ratio | 14.6865% | 3,670 |
| Total risk-based capital ratio | 15.5439% | 3,831 |
| Memoranda: | ||
| Average total assets | $588,452,800 | 1,127 |
| Average earning assets | $532,822,400 | 1,135 |
| Average equity | $74,606,000 | 979 |
| Average total loans | $314,370,400 | 1,375 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7158% | 4,811 |
| Cost of funding earning assets | 0.4504% | 3,243 |
| Net interest margin | 3.2654% | 4,739 |
| Noninterest income to average assets | 0.6376% | 2,636 |
| Noninterest expense to average assets | 2.5821% | 4,250 |
| Loan and lease loss provision to assets | 0.0267% | 3,871 |
| Net operating income to assets | 0.7715% | 3,556 |
| Return on assets (ROA) | 0.8441% | 3,301 |
| Pretax return on assets | 1.0790% | 3,270 |
| Return on Equity (ROE) | 6.5861% | 3,911 |
| Retained earnings to average equity (ytd only) | 2.9574% | 4,490 |
| Net charge-offs to loans | 0.0493% | 3,514 |
| Credit loss provision to net charge-offs | 102.6786% | 2,147 |
| Earnings coverage of net charge-offs (x) | 38.8838% | 1,156 |
| Efficiency ratio | 71.6282% | 3,247 |
| Assets per employee ($millions) | 4.4366% | 3,074 |
| Cash dividends to net income (ytd only)* | 55.0964% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 3,573 |
| Loan loss allowance to noncurrent loans | 68.4964% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 1.0681% | 2,825 |
| Noncurrent loans to loans | 1.9196% | 1,670 |
| Net loans and leases to total assets | 50.7256% | 4,921 |
| Net loans and leases to deposits | 59.3870% | 4,996 |
| Net loans and leases to core deposits | 73.7798% | 3,962 |
| Total domestic deposits to total assets | 85.4154% | 3,150 |
| Equity capital to assets | 12.5325% | 1,676 |
| Core capital (leverage) ratio | 11.1298% | 2,368 |
| Tier 1 risk-based capital ratio | 16.8116% | 2,684 |
| Total risk-based capital ratio | 17.8632% | 2,719 |
| Memoranda: | ||
| Average total assets | $573,379,750 | 1,158 |
| Average earning assets | $519,250,750 | 1,184 |
| Average equity | $73,485,750 | 995 |
| Average total loans | $302,671,500 | 1,422 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7778% | 4,600 |
| Cost of funding earning assets | 0.4632% | 3,182 |
| Net interest margin | 3.3146% | 4,529 |
| Noninterest income to average assets | 0.6237% | 2,688 |
| Noninterest expense to average assets | 2.5953% | 4,257 |
| Loan and lease loss provision to assets | 0.0406% | 3,501 |
| Net operating income to assets | 0.7647% | 3,491 |
| Return on assets (ROA) | 0.8740% | 3,029 |
| Pretax return on assets | 1.1248% | 2,994 |
| Return on Equity (ROE) | 6.7673% | 3,735 |
| Retained earnings to average equity (ytd only) | 5.4002% | 2,698 |
| Net charge-offs to loans | 0.0444% | 3,342 |
| Credit loss provision to net charge-offs | 171.6418% | 1,326 |
| Earnings coverage of net charge-offs (x) | 43.3284% | 997 |
| Efficiency ratio | 71.4885% | 3,435 |
| Assets per employee ($millions) | 4.3319% | 3,208 |
| Cash dividends to net income (ytd only)* | 20.2020% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 3,751 |
| Loan loss allowance to noncurrent loans | 65.9257% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 1.1282% | 2,824 |
| Noncurrent loans to loans | 2.0030% | 1,688 |
| Net loans and leases to total assets | 51.5368% | 4,794 |
| Net loans and leases to deposits | 61.0893% | 4,778 |
| Net loans and leases to core deposits | 70.8180% | 4,169 |
| Total domestic deposits to total assets | 84.3631% | 3,798 |
| Equity capital to assets | 12.8028% | 1,490 |
| Core capital (leverage) ratio | 11.3346% | 2,131 |
| Tier 1 risk-based capital ratio | 16.9294% | 2,647 |
| Total risk-based capital ratio | 17.9934% | 2,697 |
| Memoranda: | ||
| Average total assets | $566,338,330 | 1,173 |
| Average earning assets | $512,043,670 | 1,198 |
| Average equity | $73,145,670 | 995 |
| Average total loans | $301,700,670 | 1,425 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8658% | 4,225 |
| Cost of funding earning assets | 0.4655% | 3,262 |
| Net interest margin | 3.4002% | 4,114 |
| Noninterest income to average assets | 0.5860% | 2,817 |
| Noninterest expense to average assets | 2.7628% | 3,706 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7376% | 3,501 |
| Return on assets (ROA) | 0.7388% | 3,572 |
| Pretax return on assets | 0.9046% | 3,682 |
| Return on Equity (ROE) | 5.6940% | 4,188 |
| Retained earnings to average equity (ytd only) | 5.6940% | 2,694 |
| Net charge-offs to loans | 0.0857% | 2,297 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 19.5781% | 1,368 |
| Efficiency ratio | 75.1671% | 2,934 |
| Assets per employee ($millions) | 4.0478% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 4,078 |
| Loan loss allowance to noncurrent loans | 65.6967% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 1.1718% | 2,914 |
| Noncurrent loans to loans | 1.9935% | 1,872 |
| Net loans and leases to total assets | 53.6884% | 4,466 |
| Net loans and leases to deposits | 64.5464% | 4,262 |
| Net loans and leases to core deposits | 70.5756% | 4,026 |
| Total domestic deposits to total assets | 83.1781% | 4,541 |
| Equity capital to assets | 13.1892% | 1,218 |
| Core capital (leverage) ratio | 11.9038% | 1,710 |
| Tier 1 risk-based capital ratio | 16.8844% | 2,740 |
| Total risk-based capital ratio | 17.9319% | 2,786 |
| Memoranda: | ||
| Average total assets | $554,935,500 | 1,204 |
| Average earning assets | $502,669,000 | 1,233 |
| Average equity | $72,005,000 | 1,011 |
| Average total loans | $298,706,500 | 1,447 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8859% | 4,512 |
| Cost of funding earning assets | 0.5670% | 2,954 |
| Net interest margin | 3.3189% | 4,593 |
| Noninterest income to average assets | 0.7708% | 2,206 |
| Noninterest expense to average assets | 2.7715% | 3,826 |
| Loan and lease loss provision to assets | -0.1481% | 6,541 |
| Net operating income to assets | 0.9000% | 2,779 |
| Return on assets (ROA) | 0.9184% | 2,775 |
| Pretax return on assets | 1.1869% | 2,633 |
| Return on Equity (ROE) | 7.2917% | 3,411 |
| Retained earnings to average equity (ytd only) | 5.9150% | 2,021 |
| Net charge-offs to loans | 0.6875% | 948 |
| Credit loss provision to net charge-offs | -40.2415% | 5,768 |
| Earnings coverage of net charge-offs (x) | 2.7570% | 4,083 |
| Efficiency ratio | 73.0027% | 3,288 |
| Assets per employee ($millions) | 4.0535% | 3,756 |
| Cash dividends to net income (ytd only)* | 18.8807% | 3,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 3,856 |
| Loan loss allowance to noncurrent loans | 61.3012% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 1.2994% | 2,820 |
| Noncurrent loans to loans | 2.2141% | 1,758 |
| Net loans and leases to total assets | 52.5316% | 4,783 |
| Net loans and leases to deposits | 62.1916% | 4,703 |
| Net loans and leases to core deposits | 67.4631% | 4,566 |
| Total domestic deposits to total assets | 84.4673% | 3,980 |
| Equity capital to assets | 12.7619% | 1,388 |
| Core capital (leverage) ratio | 11.4759% | 1,983 |
| Tier 1 risk-based capital ratio | 16.6050% | 2,794 |
| Total risk-based capital ratio | 17.6671% | 2,852 |
| Memoranda: | ||
| Average total assets | $562,286,200 | 1,175 |
| Average earning assets | $510,922,800 | 1,185 |
| Average equity | $70,820,200 | 1,005 |
| Average total loans | $301,085,200 | 1,401 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8029% | 4,846 |
| Cost of funding earning assets | 0.5680% | 3,099 |
| Net interest margin | 3.2349% | 4,880 |
| Noninterest income to average assets | 0.7524% | 2,359 |
| Noninterest expense to average assets | 2.5965% | 4,400 |
| Loan and lease loss provision to assets | -0.0709% | 6,578 |
| Net operating income to assets | 0.9033% | 2,819 |
| Return on assets (ROA) | 0.9278% | 2,810 |
| Pretax return on assets | 1.2044% | 2,674 |
| Return on Equity (ROE) | 7.3907% | 3,441 |
| Retained earnings to average equity (ytd only) | 5.5548% | 2,690 |
| Net charge-offs to loans | 0.8231% | 711 |
| Credit loss provision to net charge-offs | -16.0686% | 5,630 |
| Earnings coverage of net charge-offs (x) | 2.4960% | 4,003 |
| Efficiency ratio | 70.0141% | 3,758 |
| Assets per employee ($millions) | 3.9641% | 3,907 |
| Cash dividends to net income (ytd only)* | 24.8408% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 3,073 |
| Loan loss allowance to noncurrent loans | 45.2908% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 2.0043% | 2,014 |
| Noncurrent loans to loans | 3.4987% | 1,087 |
| Net loans and leases to total assets | 52.7917% | 4,778 |
| Net loans and leases to deposits | 63.8065% | 4,537 |
| Net loans and leases to core deposits | 69.7739% | 4,349 |
| Total domestic deposits to total assets | 82.7373% | 4,669 |
| Equity capital to assets | 12.6547% | 1,500 |
| Core capital (leverage) ratio | 11.3718% | 2,148 |
| Tier 1 risk-based capital ratio | 16.1252% | 3,119 |
| Total risk-based capital ratio | 17.3679% | 3,087 |
| Memoranda: | ||
| Average total assets | $564,026,000 | 1,184 |
| Average earning assets | $513,592,750 | 1,194 |
| Average equity | $70,807,750 | 1,012 |
| Average total loans | $302,422,500 | 1,398 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7750% | 4,911 |
| Cost of funding earning assets | 0.5653% | 3,264 |
| Net interest margin | 3.2097% | 4,912 |
| Noninterest income to average assets | 0.8099% | 2,147 |
| Noninterest expense to average assets | 2.5454% | 4,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9125% | 2,731 |
| Return on assets (ROA) | 0.9492% | 2,721 |
| Pretax return on assets | 1.2391% | 2,526 |
| Return on Equity (ROE) | 7.5812% | 3,302 |
| Retained earnings to average equity (ytd only) | 4.8283% | 3,166 |
| Net charge-offs to loans | 0.9958% | 611 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.2318% | 3,781 |
| Efficiency ratio | 67.9281% | 4,196 |
| Assets per employee ($millions) | 4.0917% | 3,598 |
| Cash dividends to net income (ytd only)* | 36.3128% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7945% | 2,453 |
| Loan loss allowance to noncurrent loans | 49.6147% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 2.1094% | 2,043 |
| Noncurrent loans to loans | 3.6169% | 1,142 |
| Net loans and leases to total assets | 53.1850% | 4,709 |
| Net loans and leases to deposits | 63.9399% | 4,513 |
| Net loans and leases to core deposits | 69.9981% | 4,278 |
| Total domestic deposits to total assets | 83.1797% | 4,631 |
| Equity capital to assets | 12.4705% | 1,596 |
| Core capital (leverage) ratio | 10.9509% | 2,409 |
| Tier 1 risk-based capital ratio | 15.5526% | 3,451 |
| Total risk-based capital ratio | 16.8044% | 3,406 |
| Memoranda: | ||
| Average total assets | $565,722,000 | 1,185 |
| Average earning assets | $515,872,670 | 1,196 |
| Average equity | $70,833,000 | 1,017 |
| Average total loans | $303,288,670 | 1,386 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7205% | 5,092 |
| Cost of funding earning assets | 0.5615% | 3,465 |
| Net interest margin | 3.1590% | 5,061 |
| Noninterest income to average assets | 0.6971% | 2,601 |
| Noninterest expense to average assets | 2.5774% | 4,485 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7815% | 3,266 |
| Return on assets (ROA) | 0.8521% | 3,031 |
| Pretax return on assets | 1.0906% | 2,993 |
| Return on Equity (ROE) | 6.7922% | 3,600 |
| Retained earnings to average equity (ytd only) | 2.3200% | 4,866 |
| Net charge-offs to loans | 1.3081% | 431 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.4332% | 3,354 |
| Efficiency ratio | 71.8487% | 3,644 |
| Assets per employee ($millions) | 4.1833% | 3,570 |
| Cash dividends to net income (ytd only)* | 65.8436% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9671% | 2,131 |
| Loan loss allowance to noncurrent loans | 35.5032% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 3.0876% | 1,435 |
| Noncurrent loans to loans | 5.5407% | 645 |
| Net loans and leases to total assets | 51.8827% | 4,720 |
| Net loans and leases to deposits | 62.5330% | 4,470 |
| Net loans and leases to core deposits | 68.3917% | 4,253 |
| Total domestic deposits to total assets | 82.9684% | 4,863 |
| Equity capital to assets | 12.5444% | 1,686 |
| Core capital (leverage) ratio | 10.7654% | 2,486 |
| Tier 1 risk-based capital ratio | 15.8319% | 3,355 |
| Total risk-based capital ratio | 17.0860% | 3,318 |
| Memoranda: | ||
| Average total assets | $570,350,500 | 1,191 |
| Average earning assets | $520,044,000 | 1,193 |
| Average equity | $71,552,500 | 1,018 |
| Average total loans | $304,251,000 | 1,392 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 4,074 |
| Cost of funding earning assets | 0.8264% | 2,450 |
| Net interest margin | 3.5072% | 4,474 |
| Noninterest income to average assets | 0.7143% | 2,645 |
| Noninterest expense to average assets | 2.8286% | 3,910 |
| Loan and lease loss provision to assets | 0.0350% | 5,451 |
| Net operating income to assets | 0.8278% | 3,145 |
| Return on assets (ROA) | 0.8648% | 3,221 |
| Pretax return on assets | 1.0939% | 3,181 |
| Return on Equity (ROE) | 7.1146% | 3,577 |
| Retained earnings to average equity (ytd only) | 5.9641% | 2,098 |
| Net charge-offs to loans | 0.5596% | 2,063 |
| Credit loss provision to net charge-offs | 10.9589% | 5,388 |
| Earnings coverage of net charge-offs (x) | 3.3912% | 3,746 |
| Efficiency ratio | 72.1490% | 3,391 |
| Assets per employee ($millions) | 4.1433% | 3,662 |
| Cash dividends to net income (ytd only)* | 16.1714% | 3,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2505% | 1,456 |
| Loan loss allowance to noncurrent loans | 40.2303% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 3.2817% | 1,405 |
| Noncurrent loans to loans | 5.5940% | 657 |
| Net loans and leases to total assets | 52.5534% | 4,832 |
| Net loans and leases to deposits | 63.5269% | 4,594 |
| Net loans and leases to core deposits | 69.0622% | 4,427 |
| Total domestic deposits to total assets | 82.7261% | 4,837 |
| Equity capital to assets | 12.5463% | 1,676 |
| Core capital (leverage) ratio | 10.7187% | 2,524 |
| Tier 1 risk-based capital ratio | 15.6395% | 3,357 |
| Total risk-based capital ratio | 16.8943% | 3,309 |
| Memoranda: | ||
| Average total assets | $572,016,200 | 1,158 |
| Average earning assets | $521,301,200 | 1,160 |
| Average equity | $69,533,000 | 1,011 |
| Average total loans | $326,152,200 | 1,291 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3765% | 4,148 |
| Cost of funding earning assets | 0.8958% | 2,201 |
| Net interest margin | 3.4806% | 4,712 |
| Noninterest income to average assets | 0.6631% | 2,913 |
| Noninterest expense to average assets | 2.7818% | 4,046 |
| Loan and lease loss provision to assets | 0.0466% | 5,191 |
| Net operating income to assets | 0.8042% | 3,430 |
| Return on assets (ROA) | 0.8542% | 3,442 |
| Pretax return on assets | 1.0709% | 3,462 |
| Return on Equity (ROE) | 7.0838% | 3,757 |
| Retained earnings to average equity (ytd only) | 5.8758% | 2,779 |
| Net charge-offs to loans | 0.6210% | 1,773 |
| Credit loss provision to net charge-offs | 12.9786% | 5,043 |
| Earnings coverage of net charge-offs (x) | 2.9377% | 3,849 |
| Efficiency ratio | 72.3137% | 3,263 |
| Assets per employee ($millions) | 3.9610% | 3,950 |
| Cash dividends to net income (ytd only)* | 17.0532% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2180% | 1,674 |
| Loan loss allowance to noncurrent loans | 40.1270% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 3.5671% | 1,400 |
| Noncurrent loans to loans | 5.5275% | 777 |
| Net loans and leases to total assets | 57.2546% | 4,249 |
| Net loans and leases to deposits | 69.5380% | 3,962 |
| Net loans and leases to core deposits | 76.0427% | 3,721 |
| Total domestic deposits to total assets | 82.3357% | 4,904 |
| Equity capital to assets | 12.8342% | 1,684 |
| Core capital (leverage) ratio | 10.5912% | 2,809 |
| Tier 1 risk-based capital ratio | 14.7793% | 3,994 |
| Total risk-based capital ratio | 16.0365% | 3,943 |
| Memoranda: | ||
| Average total assets | $572,077,500 | 1,173 |
| Average earning assets | $521,654,500 | 1,175 |
| Average equity | $68,982,250 | 1,024 |
| Average total loans | $330,839,500 | 1,285 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3833% | 4,248 |
| Cost of funding earning assets | 0.9609% | 1,990 |
| Net interest margin | 3.4224% | 4,996 |
| Noninterest income to average assets | 0.6638% | 2,877 |
| Noninterest expense to average assets | 2.7751% | 4,115 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7845% | 3,452 |
| Return on assets (ROA) | 0.8492% | 3,421 |
| Pretax return on assets | 1.0950% | 3,321 |
| Return on Equity (ROE) | 7.1909% | 3,672 |
| Retained earnings to average equity (ytd only) | 5.3595% | 3,064 |
| Net charge-offs to loans | 0.8970% | 1,224 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.9585% | 3,994 |
| Efficiency ratio | 73.0970% | 3,226 |
| Assets per employee ($millions) | 3.8918% | 4,096 |
| Cash dividends to net income (ytd only)* | 25.4686% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1773% | 1,825 |
| Loan loss allowance to noncurrent loans | 40.8483% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 3.4190% | 1,567 |
| Noncurrent loans to loans | 5.3302% | 889 |
| Net loans and leases to total assets | 56.1295% | 4,446 |
| Net loans and leases to deposits | 68.8839% | 4,063 |
| Net loans and leases to core deposits | 76.2821% | 3,740 |
| Total domestic deposits to total assets | 81.4842% | 5,306 |
| Equity capital to assets | 12.2767% | 1,949 |
| Core capital (leverage) ratio | 10.0838% | 3,296 |
| Tier 1 risk-based capital ratio | 14.4456% | 4,138 |
| Total risk-based capital ratio | 15.7026% | 4,100 |
| Memoranda: | ||
| Average total assets | $577,922,670 | 1,164 |
| Average earning assets | $527,409,670 | 1,161 |
| Average equity | $68,252,670 | 1,028 |
| Average total loans | $332,885,000 | 1,277 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 4,302 |
| Cost of funding earning assets | 1.0244% | 1,842 |
| Net interest margin | 3.3829% | 5,183 |
| Noninterest income to average assets | 0.7203% | 2,555 |
| Noninterest expense to average assets | 2.8287% | 3,907 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7725% | 3,516 |
| Return on assets (ROA) | 0.7730% | 3,749 |
| Pretax return on assets | 0.9782% | 3,757 |
| Return on Equity (ROE) | 6.6726% | 3,955 |
| Retained earnings to average equity (ytd only) | 2.9820% | 4,763 |
| Net charge-offs to loans | 1.3858% | 730 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.2224% | 3,729 |
| Efficiency ratio | 74.1373% | 3,082 |
| Assets per employee ($millions) | 3.9938% | 4,021 |
| Cash dividends to net income (ytd only)* | 55.3097% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2067% | 1,866 |
| Loan loss allowance to noncurrent loans | 38.0770% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 3.6347% | 1,562 |
| Noncurrent loans to loans | 5.7954% | 892 |
| Net loans and leases to total assets | 56.0426% | 4,378 |
| Net loans and leases to deposits | 68.3248% | 4,006 |
| Net loans and leases to core deposits | 76.1859% | 3,595 |
| Total domestic deposits to total assets | 82.0239% | 5,287 |
| Equity capital to assets | 11.6599% | 2,293 |
| Core capital (leverage) ratio | 9.7372% | 3,723 |
| Tier 1 risk-based capital ratio | 13.7998% | 4,612 |
| Total risk-based capital ratio | 15.0573% | 4,585 |
| Memoranda: | ||
| Average total assets | $584,727,500 | 1,148 |
| Average earning assets | $533,385,000 | 1,146 |
| Average equity | $67,739,500 | 1,035 |
| Average total loans | $337,429,500 | 1,255 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8992% | 3,363 |
| Cost of funding earning assets | 1.2916% | 1,522 |
| Net interest margin | 3.6076% | 4,703 |
| Noninterest income to average assets | 0.4951% | 3,883 |
| Noninterest expense to average assets | 2.5546% | 5,265 |
| Loan and lease loss provision to assets | 0.7382% | 1,372 |
| Net operating income to assets | 0.4431% | 4,678 |
| Return on assets (ROA) | 0.5808% | 4,277 |
| Pretax return on assets | 0.6416% | 4,550 |
| Return on Equity (ROE) | 5.2838% | 4,263 |
| Retained earnings to average equity (ytd only) | 4.4011% | 3,042 |
| Net charge-offs to loans | 1.0663% | 1,619 |
| Credit loss provision to net charge-offs | 113.6659% | 2,885 |
| Earnings coverage of net charge-offs (x) | 1.8914% | 4,359 |
| Efficiency ratio | 67.3447% | 4,506 |
| Assets per employee ($millions) | 4.0161% | 3,818 |
| Cash dividends to net income (ytd only)* | 16.7054% | 3,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5075% | 1,305 |
| Loan loss allowance to noncurrent loans | 39.2673% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 4.1983% | 1,344 |
| Noncurrent loans to loans | 6.3857% | 747 |
| Net loans and leases to total assets | 56.6479% | 4,602 |
| Net loans and leases to deposits | 68.9027% | 4,295 |
| Net loans and leases to core deposits | 77.5674% | 3,738 |
| Total domestic deposits to total assets | 82.2143% | 5,057 |
| Equity capital to assets | 11.5101% | 2,497 |
| Core capital (leverage) ratio | 9.5434% | 3,954 |
| Tier 1 risk-based capital ratio | 13.4708% | 4,716 |
| Total risk-based capital ratio | 14.7315% | 4,670 |
| Memoranda: | ||
| Average total assets | $592,624,400 | 1,115 |
| Average earning assets | $540,110,800 | 1,107 |
| Average equity | $65,143,000 | 1,038 |
| Average total loans | $360,970,400 | 1,169 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9947% | 3,106 |
| Cost of funding earning assets | 1.3319% | 1,544 |
| Net interest margin | 3.6628% | 4,513 |
| Noninterest income to average assets | 0.4744% | 4,090 |
| Noninterest expense to average assets | 2.5381% | 5,324 |
| Loan and lease loss provision to assets | 0.8919% | 1,012 |
| Net operating income to assets | 0.3470% | 5,217 |
| Return on assets (ROA) | 0.5293% | 4,598 |
| Pretax return on assets | 0.5832% | 4,872 |
| Return on Equity (ROE) | 4.8721% | 4,581 |
| Retained earnings to average equity (ytd only) | 3.6846% | 4,124 |
| Net charge-offs to loans | 1.2931% | 1,196 |
| Credit loss provision to net charge-offs | 111.9718% | 2,926 |
| Earnings coverage of net charge-offs (x) | 1.6003% | 4,444 |
| Efficiency ratio | 66.3842% | 4,641 |
| Assets per employee ($millions) | 4.1126% | 3,615 |
| Cash dividends to net income (ytd only)* | 24.3749% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4150% | 1,515 |
| Loan loss allowance to noncurrent loans | 37.4684% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 4.4270% | 1,358 |
| Noncurrent loans to loans | 6.4454% | 826 |
| Net loans and leases to total assets | 58.4132% | 4,435 |
| Net loans and leases to deposits | 70.8029% | 4,164 |
| Net loans and leases to core deposits | 79.9437% | 3,645 |
| Total domestic deposits to total assets | 82.5011% | 4,879 |
| Equity capital to assets | 11.3267% | 2,834 |
| Core capital (leverage) ratio | 9.3927% | 4,317 |
| Tier 1 risk-based capital ratio | 12.9253% | 5,152 |
| Total risk-based capital ratio | 14.0823% | 5,199 |
| Memoranda: | ||
| Average total assets | $594,192,000 | 1,113 |
| Average earning assets | $541,569,500 | 1,112 |
| Average equity | $64,556,250 | 1,049 |
| Average total loans | $366,038,000 | 1,169 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0817% | 2,764 |
| Cost of funding earning assets | 1.3644% | 1,576 |
| Net interest margin | 3.7174% | 4,185 |
| Noninterest income to average assets | 0.5221% | 3,686 |
| Noninterest expense to average assets | 2.4733% | 5,629 |
| Loan and lease loss provision to assets | 0.8618% | 1,047 |
| Net operating income to assets | 0.4896% | 4,545 |
| Return on assets (ROA) | 0.6717% | 3,799 |
| Pretax return on assets | 0.7888% | 4,075 |
| Return on Equity (ROE) | 6.2693% | 3,813 |
| Retained earnings to average equity (ytd only) | 4.4732% | 3,347 |
| Net charge-offs to loans | 0.9221% | 1,687 |
| Credit loss provision to net charge-offs | 150.3211% | 2,033 |
| Earnings coverage of net charge-offs (x) | 2.5055% | 3,569 |
| Efficiency ratio | 63.0885% | 5,387 |
| Assets per employee ($millions) | 4.2144% | 3,325 |
| Cash dividends to net income (ytd only)* | 28.6497% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4753% | 1,481 |
| Loan loss allowance to noncurrent loans | 47.6622% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 3.7279% | 1,744 |
| Noncurrent loans to loans | 5.1934% | 1,244 |
| Net loans and leases to total assets | 60.1498% | 4,244 |
| Net loans and leases to deposits | 73.0862% | 3,937 |
| Net loans and leases to core deposits | 83.2815% | 3,324 |
| Total domestic deposits to total assets | 82.2998% | 5,062 |
| Equity capital to assets | 11.1895% | 2,775 |
| Core capital (leverage) ratio | 9.0357% | 4,661 |
| Tier 1 risk-based capital ratio | 12.7875% | 5,101 |
| Total risk-based capital ratio | 14.0483% | 5,064 |
| Memoranda: | ||
| Average total assets | $597,592,670 | 1,109 |
| Average earning assets | $544,581,330 | 1,111 |
| Average equity | $64,026,000 | 1,054 |
| Average total loans | $371,527,670 | 1,174 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0607% | 2,813 |
| Cost of funding earning assets | 1.3074% | 2,136 |
| Net interest margin | 3.7533% | 3,826 |
| Noninterest income to average assets | 0.4749% | 4,086 |
| Noninterest expense to average assets | 2.4280% | 5,800 |
| Loan and lease loss provision to assets | 0.8421% | 982 |
| Net operating income to assets | 0.5738% | 4,160 |
| Return on assets (ROA) | 0.5865% | 4,174 |
| Pretax return on assets | 0.6394% | 4,537 |
| Return on Equity (ROE) | 5.5937% | 4,115 |
| Retained earnings to average equity (ytd only) | 5.5937% | 2,854 |
| Net charge-offs to loans | 0.3524% | 2,654 |
| Credit loss provision to net charge-offs | 382.8829% | 864 |
| Earnings coverage of net charge-offs (x) | 6.6727% | 2,065 |
| Efficiency ratio | 62.1567% | 5,657 |
| Assets per employee ($millions) | 4.1931% | 3,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4085% | 1,596 |
| Loan loss allowance to noncurrent loans | 57.3670% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 3.1834% | 2,170 |
| Noncurrent loans to loans | 4.1984% | 1,705 |
| Net loans and leases to total assets | 60.5412% | 4,164 |
| Net loans and leases to deposits | 75.3261% | 3,534 |
| Net loans and leases to core deposits | 85.5251% | 2,950 |
| Total domestic deposits to total assets | 80.3722% | 5,846 |
| Equity capital to assets | 10.7011% | 2,991 |
| Core capital (leverage) ratio | 8.9636% | 4,669 |
| Tier 1 risk-based capital ratio | 12.0118% | 5,682 |
| Total risk-based capital ratio | 13.2714% | 5,664 |
| Memoranda: | ||
| Average total assets | $605,595,000 | 1,105 |
| Average earning assets | $551,935,500 | 1,104 |
| Average equity | $63,500,500 | 1,058 |
| Average total loans | $377,940,000 | 1,170 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3026% | 3,118 |
| Cost of funding earning assets | 1.5089% | 2,585 |
| Net interest margin | 3.7937% | 3,981 |
| Noninterest income to average assets | 0.5495% | 3,829 |
| Noninterest expense to average assets | 2.4232% | 6,036 |
| Loan and lease loss provision to assets | 1.0463% | 1,540 |
| Net operating income to assets | 0.4754% | 4,211 |
| Return on assets (ROA) | 0.5145% | 4,183 |
| Pretax return on assets | 0.5830% | 4,377 |
| Return on Equity (ROE) | 5.1726% | 3,996 |
| Retained earnings to average equity (ytd only) | 5.1726% | 2,328 |
| Net charge-offs to loans | 0.8394% | 2,531 |
| Credit loss provision to net charge-offs | 196.2841% | 1,616 |
| Earnings coverage of net charge-offs (x) | 2.9733% | 3,584 |
| Efficiency ratio | 60.0829% | 6,031 |
| Assets per employee ($millions) | 4.3684% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0883% | 2,093 |
| Loan loss allowance to noncurrent loans | 48.2284% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 3.4630% | 2,012 |
| Noncurrent loans to loans | 4.3299% | 1,664 |
| Net loans and leases to total assets | 61.4626% | 4,404 |
| Net loans and leases to deposits | 76.8586% | 3,715 |
| Net loans and leases to core deposits | 85.8779% | 3,335 |
| Total domestic deposits to total assets | 79.9683% | 5,842 |
| Equity capital to assets | 10.2744% | 3,413 |
| Core capital (leverage) ratio | 8.5729% | 5,236 |
| Tier 1 risk-based capital ratio | 11.6139% | 5,803 |
| Total risk-based capital ratio | 12.8704% | 5,809 |
| Memoranda: | ||
| Average total assets | $626,021,600 | 1,068 |
| Average earning assets | $570,734,600 | 1,055 |
| Average equity | $62,270,400 | 1,075 |
| Average total loans | $397,533,200 | 1,135 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3447% | 3,144 |
| Cost of funding earning assets | 1.5585% | 2,614 |
| Net interest margin | 3.7863% | 4,028 |
| Noninterest income to average assets | 0.4532% | 4,536 |
| Noninterest expense to average assets | 2.3840% | 6,081 |
| Loan and lease loss provision to assets | 0.9529% | 1,567 |
| Net operating income to assets | 0.4927% | 4,345 |
| Return on assets (ROA) | 0.5436% | 4,288 |
| Pretax return on assets | 0.6283% | 4,494 |
| Return on Equity (ROE) | 5.5088% | 4,038 |
| Retained earnings to average equity (ytd only) | 5.5088% | 2,645 |
| Net charge-offs to loans | 0.5547% | 3,094 |
| Credit loss provision to net charge-offs | 269.7842% | 1,214 |
| Earnings coverage of net charge-offs (x) | 4.3112% | 3,107 |
| Efficiency ratio | 60.5670% | 5,861 |
| Assets per employee ($millions) | 4.3604% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9180% | 2,428 |
| Loan loss allowance to noncurrent loans | 38.1724% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 3.8161% | 1,861 |
| Noncurrent loans to loans | 5.0246% | 1,371 |
| Net loans and leases to total assets | 63.0664% | 4,310 |
| Net loans and leases to deposits | 78.1834% | 3,795 |
| Net loans and leases to core deposits | 87.5697% | 3,432 |
| Total domestic deposits to total assets | 80.6646% | 5,489 |
| Equity capital to assets | 10.3577% | 3,689 |
| Core capital (leverage) ratio | 8.4070% | 5,685 |
| Tier 1 risk-based capital ratio | 11.2081% | 6,180 |
| Total risk-based capital ratio | 12.4631% | 6,173 |
| Memoranda: | ||
| Average total assets | $629,632,750 | 1,070 |
| Average earning assets | $574,307,000 | 1,060 |
| Average equity | $62,129,000 | 1,081 |
| Average total loans | $400,939,500 | 1,137 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3682% | 3,114 |
| Cost of funding earning assets | 1.6294% | 2,485 |
| Net interest margin | 3.7388% | 4,189 |
| Noninterest income to average assets | 0.3696% | 5,186 |
| Noninterest expense to average assets | 2.4030% | 6,065 |
| Loan and lease loss provision to assets | 0.8213% | 1,762 |
| Net operating income to assets | 0.4957% | 4,347 |
| Return on assets (ROA) | 0.4960% | 4,501 |
| Pretax return on assets | 0.5560% | 4,715 |
| Return on Equity (ROE) | 5.1089% | 4,235 |
| Retained earnings to average equity (ytd only) | 5.1089% | 2,843 |
| Net charge-offs to loans | 0.6783% | 2,523 |
| Credit loss provision to net charge-offs | 190.7557% | 2,069 |
| Earnings coverage of net charge-offs (x) | 3.1981% | 3,412 |
| Efficiency ratio | 62.9534% | 5,529 |
| Assets per employee ($millions) | 4.5211% | 2,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5247% | 3,794 |
| Loan loss allowance to noncurrent loans | 38.1208% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 3.2756% | 2,148 |
| Noncurrent loans to loans | 3.9996% | 1,892 |
| Net loans and leases to total assets | 61.6428% | 4,752 |
| Net loans and leases to deposits | 77.9856% | 3,965 |
| Net loans and leases to core deposits | 88.9214% | 3,419 |
| Total domestic deposits to total assets | 79.0438% | 6,027 |
| Equity capital to assets | 9.8812% | 4,163 |
| Core capital (leverage) ratio | 7.9436% | 6,337 |
| Tier 1 risk-based capital ratio | 10.5991% | 6,609 |
| Total risk-based capital ratio | 11.6406% | 6,760 |
| Memoranda: | ||
| Average total assets | $633,120,330 | 1,067 |
| Average earning assets | $577,511,000 | 1,061 |
| Average equity | $61,461,330 | 1,082 |
| Average total loans | $401,878,000 | 1,146 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3429% | 3,329 |
| Cost of funding earning assets | 1.6690% | 2,544 |
| Net interest margin | 3.6739% | 4,379 |
| Noninterest income to average assets | 0.4611% | 4,374 |
| Noninterest expense to average assets | 2.4056% | 6,060 |
| Loan and lease loss provision to assets | 0.5054% | 2,469 |
| Net operating income to assets | 0.7170% | 3,362 |
| Return on assets (ROA) | 0.7170% | 3,472 |
| Pretax return on assets | 0.9002% | 3,468 |
| Return on Equity (ROE) | 7.4524% | 3,132 |
| Retained earnings to average equity (ytd only) | 7.4524% | 1,945 |
| Net charge-offs to loans | 0.2194% | 3,613 |
| Credit loss provision to net charge-offs | 360.3604% | 1,125 |
| Earnings coverage of net charge-offs (x) | 10.0225% | 1,790 |
| Efficiency ratio | 62.0587% | 5,822 |
| Assets per employee ($millions) | 4.6527% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 4,734 |
| Loan loss allowance to noncurrent loans | 40.1552% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 2.9456% | 2,439 |
| Noncurrent loans to loans | 3.3374% | 2,394 |
| Net loans and leases to total assets | 60.8288% | 4,969 |
| Net loans and leases to deposits | 77.3642% | 4,154 |
| Net loans and leases to core deposits | 89.8145% | 3,384 |
| Total domestic deposits to total assets | 78.6266% | 6,169 |
| Equity capital to assets | 9.4686% | 4,585 |
| Core capital (leverage) ratio | 8.2335% | 5,861 |
| Tier 1 risk-based capital ratio | 10.0530% | 6,993 |
| Total risk-based capital ratio | 11.1356% | 7,095 |
| Memoranda: | ||
| Average total assets | $633,201,500 | 1,092 |
| Average earning assets | $577,363,000 | 1,090 |
| Average equity | $60,920,000 | 1,094 |
| Average total loans | $404,710,000 | 1,170 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8702% | 2,370 |
| Cost of funding earning assets | 2.1277% | 2,335 |
| Net interest margin | 3.7425% | 3,944 |
| Noninterest income to average assets | 0.7127% | 2,881 |
| Noninterest expense to average assets | 2.2908% | 6,774 |
| Loan and lease loss provision to assets | 1.2293% | 1,873 |
| Net operating income to assets | 0.5351% | 3,591 |
| Return on assets (ROA) | 0.5535% | 3,598 |
| Pretax return on assets | 0.6368% | 3,787 |
| Return on Equity (ROE) | 5.6377% | 3,361 |
| Retained earnings to average equity (ytd only) | 0.6456% | 4,542 |
| Net charge-offs to loans | 1.4202% | 1,771 |
| Credit loss provision to net charge-offs | 127.1330% | 4,078 |
| Earnings coverage of net charge-offs (x) | 1.9081% | 4,291 |
| Efficiency ratio | 54.3864% | 7,187 |
| Assets per employee ($millions) | 4.5558% | 2,826 |
| Cash dividends to net income (ytd only)* | 88.5478% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 5,487 |
| Loan loss allowance to noncurrent loans | 31.2049% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 3.3504% | 2,035 |
| Noncurrent loans to loans | 3.7750% | 1,988 |
| Net loans and leases to total assets | 65.5272% | 4,268 |
| Net loans and leases to deposits | 85.2989% | 3,028 |
| Net loans and leases to core deposits | 104.6287% | 3,502 |
| Total domestic deposits to total assets | 76.8206% | 6,526 |
| Equity capital to assets | 9.7823% | 4,029 |
| Core capital (leverage) ratio | 8.3209% | 5,575 |
| Tier 1 risk-based capital ratio | 10.7554% | 6,151 |
| Total risk-based capital ratio | 11.7820% | 6,343 |
| Memoranda: | ||
| Average total assets | $612,155,000 | 1,133 |
| Average earning assets | $559,892,800 | 1,124 |
| Average equity | $60,095,600 | 1,105 |
| Average total loans | $416,765,600 | 1,158 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9643% | 2,176 |
| Cost of funding earning assets | 2.2118% | 2,352 |
| Net interest margin | 3.7526% | 3,854 |
| Noninterest income to average assets | 0.7168% | 2,907 |
| Noninterest expense to average assets | 2.3407% | 6,593 |
| Loan and lease loss provision to assets | 1.2484% | 1,547 |
| Net operating income to assets | 0.4964% | 4,002 |
| Return on assets (ROA) | 0.5214% | 3,990 |
| Pretax return on assets | 0.5916% | 4,207 |
| Return on Equity (ROE) | 5.3063% | 3,835 |
| Retained earnings to average equity (ytd only) | 5.3063% | 2,310 |
| Net charge-offs to loans | 0.4643% | 3,364 |
| Credit loss provision to net charge-offs | 392.3920% | 1,023 |
| Earnings coverage of net charge-offs (x) | 5.6943% | 2,753 |
| Efficiency ratio | 55.3723% | 7,080 |
| Assets per employee ($millions) | 4.4146% | 3,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7996% | 2,281 |
| Loan loss allowance to noncurrent loans | 50.0436% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 2.5877% | 2,689 |
| Noncurrent loans to loans | 3.5960% | 2,074 |
| Net loans and leases to total assets | 67.8406% | 3,993 |
| Net loans and leases to deposits | 90.0044% | 2,582 |
| Net loans and leases to core deposits | 107.4924% | 3,535 |
| Total domestic deposits to total assets | 75.3748% | 6,701 |
| Equity capital to assets | 10.3903% | 3,629 |
| Core capital (leverage) ratio | 8.6366% | 5,245 |
| Tier 1 risk-based capital ratio | 11.4131% | 5,516 |
| Total risk-based capital ratio | 12.6677% | 5,455 |
| Memoranda: | ||
| Average total assets | $611,436,500 | 1,150 |
| Average earning assets | $559,781,000 | 1,138 |
| Average equity | $60,078,500 | 1,119 |
| Average total loans | $419,003,250 | 1,163 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9615% | 2,339 |
| Cost of funding earning assets | 2.2565% | 2,542 |
| Net interest margin | 3.7050% | 3,930 |
| Noninterest income to average assets | 0.7933% | 2,446 |
| Noninterest expense to average assets | 2.3420% | 6,638 |
| Loan and lease loss provision to assets | 0.5771% | 2,709 |
| Net operating income to assets | 0.9592% | 2,246 |
| Return on assets (ROA) | 0.9914% | 2,238 |
| Pretax return on assets | 1.2996% | 2,031 |
| Return on Equity (ROE) | 10.2815% | 1,920 |
| Retained earnings to average equity (ytd only) | 10.2815% | 670 |
| Net charge-offs to loans | 0.5594% | 2,650 |
| Credit loss provision to net charge-offs | 150.9354% | 3,054 |
| Earnings coverage of net charge-offs (x) | 4.7976% | 2,999 |
| Efficiency ratio | 55.0876% | 7,219 |
| Assets per employee ($millions) | 4.4388% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9002% | 6,765 |
| Loan loss allowance to noncurrent loans | 40.3636% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 1.6193% | 3,786 |
| Noncurrent loans to loans | 2.2301% | 3,217 |
| Net loans and leases to total assets | 68.7402% | 4,014 |
| Net loans and leases to deposits | 90.6253% | 2,729 |
| Net loans and leases to core deposits | 106.3986% | 3,794 |
| Total domestic deposits to total assets | 75.8511% | 6,585 |
| Equity capital to assets | 10.0412% | 3,883 |
| Core capital (leverage) ratio | 8.7286% | 5,041 |
| Tier 1 risk-based capital ratio | 11.4300% | 5,466 |
| Total risk-based capital ratio | 12.2507% | 5,806 |
| Memoranda: | ||
| Average total assets | $615,120,330 | 1,158 |
| Average earning assets | $561,673,330 | 1,157 |
| Average equity | $59,310,670 | 1,143 |
| Average total loans | $420,414,670 | 1,186 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9804% | 2,441 |
| Cost of funding earning assets | 2.3113% | 2,647 |
| Net interest margin | 3.6691% | 4,022 |
| Noninterest income to average assets | 0.6324% | 3,334 |
| Noninterest expense to average assets | 2.2437% | 6,714 |
| Loan and lease loss provision to assets | 0.3880% | 3,000 |
| Net operating income to assets | 1.0075% | 2,277 |
| Return on assets (ROA) | 1.0100% | 2,409 |
| Pretax return on assets | 1.3359% | 2,164 |
| Return on Equity (ROE) | 10.6922% | 2,071 |
| Retained earnings to average equity (ytd only) | 10.6922% | 1,038 |
| Net charge-offs to loans | 0.1258% | 3,959 |
| Credit loss provision to net charge-offs | 454.5455% | 1,166 |
| Earnings coverage of net charge-offs (x) | 20.1591% | 1,389 |
| Efficiency ratio | 55.5701% | 7,023 |
| Assets per employee ($millions) | 4.5409% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 6,871 |
| Loan loss allowance to noncurrent loans | 51.4522% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 1.1818% | 4,305 |
| Noncurrent loans to loans | 1.6927% | 3,715 |
| Net loans and leases to total assets | 67.0906% | 4,322 |
| Net loans and leases to deposits | 88.3246% | 3,231 |
| Net loans and leases to core deposits | 102.2231% | 4,317 |
| Total domestic deposits to total assets | 75.9592% | 6,523 |
| Equity capital to assets | 9.6231% | 4,496 |
| Core capital (leverage) ratio | 8.4552% | 5,621 |
| Tier 1 risk-based capital ratio | 11.3156% | 5,581 |
| Total risk-based capital ratio | 12.1234% | 5,928 |
| Memoranda: | ||
| Average total assets | $618,623,500 | 1,149 |
| Average earning assets | $561,766,500 | 1,159 |
| Average equity | $58,435,000 | 1,161 |
| Average total loans | $419,714,000 | 1,205 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4550% | 3,172 |
| Cost of funding earning assets | 2.7831% | 2,775 |
| Net interest margin | 3.6719% | 4,594 |
| Noninterest income to average assets | 0.4413% | 5,105 |
| Noninterest expense to average assets | 2.3566% | 6,547 |
| Loan and lease loss provision to assets | 0.3690% | 3,468 |
| Net operating income to assets | 0.8445% | 3,247 |
| Return on assets (ROA) | 0.8509% | 3,057 |
| Pretax return on assets | 1.0906% | 3,057 |
| Return on Equity (ROE) | 8.9077% | 2,672 |
| Retained earnings to average equity (ytd only) | 3.6285% | 2,892 |
| Net charge-offs to loans | 0.3088% | 3,329 |
| Credit loss provision to net charge-offs | 178.4553% | 2,833 |
| Earnings coverage of net charge-offs (x) | 7.0195% | 3,211 |
| Efficiency ratio | 60.7646% | 6,208 |
| Assets per employee ($millions) | 4.3939% | 2,803 |
| Cash dividends to net income (ytd only)* | 59.2651% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7644% | 7,226 |
| Loan loss allowance to noncurrent loans | 63.4021% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 0.8606% | 4,697 |
| Noncurrent loans to loans | 1.2056% | 4,102 |
| Net loans and leases to total assets | 67.4948% | 4,557 |
| Net loans and leases to deposits | 88.8652% | 3,656 |
| Net loans and leases to core deposits | 105.0362% | 4,292 |
| Total domestic deposits to total assets | 75.9519% | 6,254 |
| Equity capital to assets | 9.2668% | 4,977 |
| Core capital (leverage) ratio | 8.1798% | 6,203 |
| Tier 1 risk-based capital ratio | 11.0010% | 5,726 |
| Total risk-based capital ratio | 11.7082% | 6,129 |
| Memoranda: | ||
| Average total assets | $594,880,600 | 1,135 |
| Average earning assets | $545,440,600 | 1,135 |
| Average equity | $56,827,400 | 1,182 |
| Average total loans | $398,282,800 | 1,216 |