Home > Unified Bank > Performance and Condition Ratios
Unified Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9503% | 2,176 |
| Cost of funding earning assets | 1.2741% | 2,587 |
| Net interest margin | 3.6762% | 1,800 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.2149% | 3,082 |
| Loan and lease loss provision to assets | -0.0600% | 4,460 |
| Net operating income to assets | 1.5233% | 974 |
| Return on assets (ROA) | 1.5233% | 944 |
| Pretax return on assets | 1.7113% | 1,049 |
| Return on Equity (ROE) | 17.8800% | 834 |
| Retained earnings to average equity (ytd only) | 3.3801% | 3,170 |
| Net charge-offs to loans | 0.0212% | 1,917 |
| Credit loss provision to net charge-offs | -458.5859% | 4,537 |
| Earnings coverage of net charge-offs (x) | 135.5253% | 761 |
| Efficiency ratio | 56.7517% | 3,424 |
| Assets per employee ($millions) | 6.5600% | 2,377 |
| Cash dividends to net income (ytd only)* | 81.0966% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8107% | 3,943 |
| Loan loss allowance to noncurrent loans | 611.2324% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 1,139 |
| Noncurrent loans to loans | 0.1326% | 2,846 |
| Net loans and leases to total assets | 58.9300% | 2,955 |
| Net loans and leases to deposits | 75.6792% | 2,483 |
| Net loans and leases to core deposits | 80.4561% | 2,682 |
| Total domestic deposits to total assets | 77.8700% | 3,747 |
| Equity capital to assets | 8.8251% | 2,803 |
| Core capital (leverage) ratio | 9.6455% | 3,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9326% | 1,887 |
| Memoranda: | ||
| Average total assets | $810,554,200 | 1,166 |
| Average earning assets | $744,196,200 | 1,176 |
| Average equity | $69,050,400 | 1,263 |
| Average total loans | $467,548,600 | 1,303 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8766% | 2,111 |
| Cost of funding earning assets | 1.1970% | 2,437 |
| Net interest margin | 3.6795% | 1,820 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.2182% | 3,029 |
| Loan and lease loss provision to assets | -0.0500% | 4,475 |
| Net operating income to assets | 1.5053% | 1,113 |
| Return on assets (ROA) | 1.5053% | 1,103 |
| Pretax return on assets | 1.6922% | 1,173 |
| Return on Equity (ROE) | 17.8300% | 970 |
| Retained earnings to average equity (ytd only) | 4.2320% | 3,196 |
| Net charge-offs to loans | 0.0170% | 1,793 |
| Credit loss provision to net charge-offs | -508.4746% | 4,577 |
| Earnings coverage of net charge-offs (x) | 169.1186% | 671 |
| Efficiency ratio | 56.9699% | 3,316 |
| Assets per employee ($millions) | 6.3950% | 2,406 |
| Cash dividends to net income (ytd only)* | 76.2660% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8807% | 3,793 |
| Loan loss allowance to noncurrent loans | 1,903.7037% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.4551% | 1,284 |
| Noncurrent loans to loans | 0.0463% | 3,421 |
| Net loans and leases to total assets | 56.9800% | 3,120 |
| Net loans and leases to deposits | 72.3140% | 2,692 |
| Net loans and leases to core deposits | 76.3313% | 2,846 |
| Total domestic deposits to total assets | 78.8000% | 3,728 |
| Equity capital to assets | 7.6722% | 3,261 |
| Core capital (leverage) ratio | 9.4736% | 3,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9255% | 1,586 |
| Memoranda: | ||
| Average total assets | $809,833,250 | 1,168 |
| Average earning assets | $742,032,500 | 1,177 |
| Average equity | $68,366,250 | 1,262 |
| Average total loans | $463,616,500 | 1,305 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7066% | 2,191 |
| Cost of funding earning assets | 1.0679% | 2,385 |
| Net interest margin | 3.6387% | 1,949 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.2033% | 3,064 |
| Loan and lease loss provision to assets | -0.0400% | 4,482 |
| Net operating income to assets | 1.4854% | 1,133 |
| Return on assets (ROA) | 1.4854% | 1,128 |
| Pretax return on assets | 1.6745% | 1,265 |
| Return on Equity (ROE) | 17.0700% | 1,089 |
| Retained earnings to average equity (ytd only) | 6.2173% | 2,539 |
| Net charge-offs to loans | 0.0190% | 1,515 |
| Credit loss provision to net charge-offs | -331.8182% | 4,585 |
| Earnings coverage of net charge-offs (x) | 150.6364% | 751 |
| Efficiency ratio | 56.8689% | 3,315 |
| Assets per employee ($millions) | 6.7284% | 2,120 |
| Cash dividends to net income (ytd only)* | 63.5880% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 3,702 |
| Loan loss allowance to noncurrent loans | 1,075.6281% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 1,150 |
| Noncurrent loans to loans | 0.0860% | 3,077 |
| Net loans and leases to total assets | 55.4200% | 3,158 |
| Net loans and leases to deposits | 70.1630% | 2,773 |
| Net loans and leases to core deposits | 74.0405% | 2,879 |
| Total domestic deposits to total assets | 78.9900% | 3,719 |
| Equity capital to assets | 8.4132% | 2,934 |
| Core capital (leverage) ratio | 9.3884% | 3,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4024% | 1,760 |
| Memoranda: | ||
| Average total assets | $809,055,333 | 1,170 |
| Average earning assets | $743,295,667 | 1,175 |
| Average equity | $70,384,667 | 1,233 |
| Average total loans | $462,526,667 | 1,300 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 2,356 |
| Cost of funding earning assets | 0.7697% | 2,840 |
| Net interest margin | 3.7145% | 1,868 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 2.2096% | 3,075 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4959% | 1,192 |
| Return on assets (ROA) | 1.4959% | 1,173 |
| Pretax return on assets | 1.6994% | 1,275 |
| Return on Equity (ROE) | 16.9100% | 1,190 |
| Retained earnings to average equity (ytd only) | 12.3340% | 1,208 |
| Net charge-offs to loans | 0.0164% | 1,360 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 178.8421% | 538 |
| Efficiency ratio | 56.0389% | 3,410 |
| Assets per employee ($millions) | 7.0376% | 1,952 |
| Cash dividends to net income (ytd only)* | 27.0478% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 3,676 |
| Loan loss allowance to noncurrent loans | 1,894.4681% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.4445% | 1,152 |
| Noncurrent loans to loans | 0.0507% | 3,380 |
| Net loans and leases to total assets | 54.3900% | 3,169 |
| Net loans and leases to deposits | 69.3438% | 2,667 |
| Net loans and leases to core deposits | 71.3460% | 2,861 |
| Total domestic deposits to total assets | 78.4300% | 3,949 |
| Equity capital to assets | 8.4799% | 2,912 |
| Core capital (leverage) ratio | 10.0079% | 2,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7174% | 2,084 |
| Memoranda: | ||
| Average total assets | $799,789,000 | 1,198 |
| Average earning assets | $732,258,000 | 1,198 |
| Average equity | $70,763,500 | 1,236 |
| Average total loans | $462,331,000 | 1,311 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0760% | 1,528 |
| Cost of funding earning assets | 0.2777% | 3,064 |
| Net interest margin | 3.7983% | 1,162 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.2706% | 2,832 |
| Loan and lease loss provision to assets | -0.1300% | 4,576 |
| Net operating income to assets | 1.6321% | 634 |
| Return on assets (ROA) | 1.6321% | 604 |
| Pretax return on assets | 1.8993% | 588 |
| Return on Equity (ROE) | 16.2700% | 999 |
| Retained earnings to average equity (ytd only) | 1.7291% | 4,032 |
| Net charge-offs to loans | 0.1441% | 567 |
| Credit loss provision to net charge-offs | -143.1784% | 4,590 |
| Earnings coverage of net charge-offs (x) | 19.6087% | 1,906 |
| Efficiency ratio | 55.6921% | 3,611 |
| Assets per employee ($millions) | 6.0406% | 2,728 |
| Cash dividends to net income (ytd only)* | 89.3698% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4452% | 4,477 |
| Loan loss allowance to noncurrent loans | 1,127.4725% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.4902% | 1,038 |
| Noncurrent loans to loans | 0.0395% | 3,492 |
| Net loans and leases to total assets | 60.7700% | 2,576 |
| Net loans and leases to deposits | 69.4165% | 2,630 |
| Net loans and leases to core deposits | 70.6272% | 2,830 |
| Total domestic deposits to total assets | 87.5500% | 2,216 |
| Equity capital to assets | 9.2593% | 2,189 |
| Core capital (leverage) ratio | 10.1248% | 2,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2124% | 1,889 |
| Memoranda: | ||
| Average total assets | $738,918,600 | 1,261 |
| Average earning assets | $679,145,800 | 1,265 |
| Average equity | $74,140,600 | 1,198 |
| Average total loans | $462,715,200 | 1,246 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9028% | 1,476 |
| Cost of funding earning assets | 0.1716% | 3,606 |
| Net interest margin | 3.7313% | 1,071 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.2505% | 2,788 |
| Loan and lease loss provision to assets | -0.1800% | 4,663 |
| Net operating income to assets | 1.6283% | 617 |
| Return on assets (ROA) | 1.6283% | 603 |
| Pretax return on assets | 1.9016% | 583 |
| Return on Equity (ROE) | 15.9100% | 998 |
| Retained earnings to average equity (ytd only) | 15.9133% | 286 |
| Net charge-offs to loans | 0.0245% | 1,341 |
| Credit loss provision to net charge-offs | -1,141.1765% | 4,720 |
| Earnings coverage of net charge-offs (x) | 111.8941% | 884 |
| Efficiency ratio | 56.0849% | 3,618 |
| Assets per employee ($millions) | 6.1250% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5591% | 4,415 |
| Loan loss allowance to noncurrent loans | 65.1817% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5602% | 952 |
| Noncurrent loans to loans | 0.8577% | 917 |
| Net loans and leases to total assets | 61.3300% | 2,372 |
| Net loans and leases to deposits | 70.3903% | 2,330 |
| Net loans and leases to core deposits | 71.3961% | 2,539 |
| Total domestic deposits to total assets | 87.1300% | 2,721 |
| Equity capital to assets | 8.5239% | 2,528 |
| Core capital (leverage) ratio | 10.1395% | 2,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9880% | 2,057 |
| Memoranda: | ||
| Average total assets | $734,880,500 | 1,273 |
| Average earning assets | $676,108,500 | 1,276 |
| Average equity | $75,197,250 | 1,199 |
| Average total loans | $463,163,000 | 1,243 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7409% | 1,440 |
| Cost of funding earning assets | 0.0881% | 4,307 |
| Net interest margin | 3.6529% | 990 |
| Noninterest income to average assets | 0.5372% | 2,006 |
| Noninterest expense to average assets | 2.2431% | 2,724 |
| Loan and lease loss provision to assets | -0.2711% | 4,714 |
| Net operating income to assets | 1.6324% | 506 |
| Return on assets (ROA) | 1.6324% | 497 |
| Pretax return on assets | 1.9216% | 450 |
| Return on Equity (ROE) | 15.0756% | 875 |
| Retained earnings to average equity (ytd only) | 15.0756% | 256 |
| Net charge-offs to loans | 0.0156% | 1,443 |
| Credit loss provision to net charge-offs | -2,736.1111% | 3,698 |
| Earnings coverage of net charge-offs (x) | 166.5833% | 597 |
| Efficiency ratio | 57.0792% | 3,677 |
| Assets per employee ($millions) | 5.7917% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5675% | 4,494 |
| Loan loss allowance to noncurrent loans | 66.3748% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5896% | 951 |
| Noncurrent loans to loans | 0.8550% | 998 |
| Net loans and leases to total assets | 64.7217% | 1,831 |
| Net loans and leases to deposits | 75.3218% | 1,737 |
| Net loans and leases to core deposits | 75.6021% | 2,051 |
| Total domestic deposits to total assets | 85.9269% | 3,267 |
| Equity capital to assets | 10.0025% | 1,714 |
| Core capital (leverage) ratio | 10.5432% | 1,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2724% | 1,949 |
| Memoranda: | ||
| Average total assets | $726,673,333 | 1,283 |
| Average earning assets | $667,697,667 | 1,291 |
| Average equity | $78,683,333 | 1,176 |
| Average total loans | $461,402,667 | 1,245 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5874% | 1,538 |
| Cost of funding earning assets | 0.0924% | 4,236 |
| Net interest margin | 3.4949% | 1,100 |
| Noninterest income to average assets | 0.5412% | 1,944 |
| Noninterest expense to average assets | 2.1606% | 2,946 |
| Loan and lease loss provision to assets | -0.2736% | 4,724 |
| Net operating income to assets | 1.5799% | 534 |
| Return on assets (ROA) | 1.5799% | 530 |
| Pretax return on assets | 1.8623% | 481 |
| Return on Equity (ROE) | 14.0645% | 821 |
| Retained earnings to average equity (ytd only) | 14.0645% | 373 |
| Net charge-offs to loans | -0.0009% | 3,006 |
| Credit loss provision to net charge-offs | 50,000.0000% | 5 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0720% | 3,774 |
| Assets per employee ($millions) | 6.1228% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6865% | 4,412 |
| Loan loss allowance to noncurrent loans | 77.1137% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.5957% | 994 |
| Noncurrent loans to loans | 0.8903% | 1,039 |
| Net loans and leases to total assets | 62.4943% | 1,798 |
| Net loans and leases to deposits | 74.0315% | 1,608 |
| Net loans and leases to core deposits | 74.3415% | 1,915 |
| Total domestic deposits to total assets | 84.4159% | 3,669 |
| Equity capital to assets | 10.6516% | 1,520 |
| Core capital (leverage) ratio | 10.6384% | 1,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4282% | 2,024 |
| Memoranda: | ||
| Average total assets | $730,924,000 | 1,281 |
| Average earning assets | $670,912,500 | 1,291 |
| Average equity | $82,107,500 | 1,169 |
| Average total loans | $458,371,000 | 1,240 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7175% | 2,062 |
| Cost of funding earning assets | 0.1915% | 3,547 |
| Net interest margin | 3.5260% | 1,665 |
| Noninterest income to average assets | 0.6248% | 2,049 |
| Noninterest expense to average assets | 2.1513% | 3,227 |
| Loan and lease loss provision to assets | -0.1731% | 4,659 |
| Net operating income to assets | 1.6294% | 740 |
| Return on assets (ROA) | 1.7794% | 557 |
| Pretax return on assets | 2.0557% | 548 |
| Return on Equity (ROE) | 14.8743% | 979 |
| Retained earnings to average equity (ytd only) | 14.8743% | 236 |
| Net charge-offs to loans | 0.0406% | 1,450 |
| Credit loss provision to net charge-offs | -682.0652% | 3,831 |
| Earnings coverage of net charge-offs (x) | 67.3750% | 1,103 |
| Efficiency ratio | 55.1765% | 3,799 |
| Assets per employee ($millions) | 5.8638% | 2,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8083% | 4,253 |
| Loan loss allowance to noncurrent loans | 87.2654% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.6359% | 1,032 |
| Noncurrent loans to loans | 0.9263% | 1,093 |
| Net loans and leases to total assets | 61.9886% | 1,944 |
| Net loans and leases to deposits | 73.3987% | 1,779 |
| Net loans and leases to core deposits | 73.9329% | 2,079 |
| Total domestic deposits to total assets | 84.4547% | 3,435 |
| Equity capital to assets | 11.8213% | 1,335 |
| Core capital (leverage) ratio | 10.6410% | 1,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9456% | 1,862 |
| Memoranda: | ||
| Average total assets | $724,917,400 | 1,254 |
| Average earning assets | $665,423,400 | 1,267 |
| Average equity | $86,720,200 | 1,133 |
| Average total loans | $453,742,400 | 1,256 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7236% | 2,211 |
| Cost of funding earning assets | 0.2117% | 3,500 |
| Net interest margin | 3.5119% | 1,833 |
| Noninterest income to average assets | 0.5850% | 2,273 |
| Noninterest expense to average assets | 2.1442% | 3,237 |
| Loan and lease loss provision to assets | -0.1574% | 4,696 |
| Net operating income to assets | 1.5860% | 1,064 |
| Return on assets (ROA) | 1.7862% | 717 |
| Pretax return on assets | 2.0494% | 738 |
| Return on Equity (ROE) | 14.8868% | 1,166 |
| Retained earnings to average equity (ytd only) | 0.1105% | 4,547 |
| Net charge-offs to loans | 0.0397% | 1,297 |
| Credit loss provision to net charge-offs | -633.3333% | 3,718 |
| Earnings coverage of net charge-offs (x) | 66.8815% | 1,083 |
| Efficiency ratio | 55.7888% | 3,554 |
| Assets per employee ($millions) | 5.9152% | 2,776 |
| Cash dividends to net income (ytd only)* | 99.2580% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8922% | 4,169 |
| Loan loss allowance to noncurrent loans | 143.6585% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 1,687 |
| Noncurrent loans to loans | 0.6211% | 1,756 |
| Net loans and leases to total assets | 62.4411% | 1,956 |
| Net loans and leases to deposits | 74.2039% | 1,835 |
| Net loans and leases to core deposits | 74.8622% | 2,158 |
| Total domestic deposits to total assets | 84.1480% | 3,422 |
| Equity capital to assets | 11.7213% | 1,536 |
| Core capital (leverage) ratio | 10.5210% | 2,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1902% | 1,904 |
| Memoranda: | ||
| Average total assets | $724,368,250 | 1,273 |
| Average earning assets | $664,386,000 | 1,286 |
| Average equity | $86,911,750 | 1,145 |
| Average total loans | $453,577,750 | 1,277 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7256% | 2,268 |
| Cost of funding earning assets | 0.2287% | 3,474 |
| Net interest margin | 3.4969% | 1,865 |
| Noninterest income to average assets | 0.5936% | 2,248 |
| Noninterest expense to average assets | 2.1566% | 3,218 |
| Loan and lease loss provision to assets | -0.1262% | 4,675 |
| Net operating income to assets | 1.5706% | 1,115 |
| Return on assets (ROA) | 1.5718% | 1,174 |
| Pretax return on assets | 1.7698% | 1,303 |
| Return on Equity (ROE) | 12.9987% | 1,718 |
| Retained earnings to average equity (ytd only) | 0.2637% | 4,469 |
| Net charge-offs to loans | 0.0515% | 1,106 |
| Credit loss provision to net charge-offs | -392.2414% | 3,394 |
| Earnings coverage of net charge-offs (x) | 51.0603% | 1,056 |
| Efficiency ratio | 56.2222% | 3,516 |
| Assets per employee ($millions) | 5.6835% | 2,923 |
| Cash dividends to net income (ytd only)* | 97.9714% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 3,855 |
| Loan loss allowance to noncurrent loans | 153.7056% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 1,811 |
| Noncurrent loans to loans | 0.6443% | 1,805 |
| Net loans and leases to total assets | 61.9401% | 2,185 |
| Net loans and leases to deposits | 74.4719% | 1,959 |
| Net loans and leases to core deposits | 75.2927% | 2,306 |
| Total domestic deposits to total assets | 83.1725% | 3,665 |
| Equity capital to assets | 11.9280% | 1,401 |
| Core capital (leverage) ratio | 10.5034% | 1,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6426% | 1,743 |
| Memoranda: | ||
| Average total assets | $721,329,333 | 1,267 |
| Average earning assets | $661,149,000 | 1,289 |
| Average equity | $87,224,333 | 1,138 |
| Average total loans | $450,730,667 | 1,287 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7202% | 2,314 |
| Cost of funding earning assets | 0.2517% | 3,460 |
| Net interest margin | 3.4685% | 1,911 |
| Noninterest income to average assets | 0.5586% | 2,378 |
| Noninterest expense to average assets | 2.1694% | 3,203 |
| Loan and lease loss provision to assets | -0.1146% | 4,734 |
| Net operating income to assets | 1.4934% | 1,350 |
| Return on assets (ROA) | 1.4934% | 1,411 |
| Pretax return on assets | 1.6779% | 1,544 |
| Return on Equity (ROE) | 12.2649% | 1,919 |
| Retained earnings to average equity (ytd only) | -0.7347% | 4,433 |
| Net charge-offs to loans | 0.0904% | 741 |
| Credit loss provision to net charge-offs | -202.9703% | 2,977 |
| Earnings coverage of net charge-offs (x) | 27.6832% | 1,127 |
| Efficiency ratio | 57.5494% | 3,365 |
| Assets per employee ($millions) | 5.8406% | 2,754 |
| Cash dividends to net income (ytd only)* | 105.9903% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 3,585 |
| Loan loss allowance to noncurrent loans | 161.2005% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.4688% | 1,984 |
| Noncurrent loans to loans | 0.6626% | 1,916 |
| Net loans and leases to total assets | 60.5001% | 2,481 |
| Net loans and leases to deposits | 72.6678% | 2,249 |
| Net loans and leases to core deposits | 73.4943% | 2,558 |
| Total domestic deposits to total assets | 83.2557% | 3,628 |
| Equity capital to assets | 11.6789% | 1,454 |
| Core capital (leverage) ratio | 10.9323% | 1,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6572% | 1,687 |
| Memoranda: | ||
| Average total assets | $715,410,000 | 1,266 |
| Average earning assets | $654,688,500 | 1,285 |
| Average equity | $87,110,500 | 1,128 |
| Average total loans | $446,762,500 | 1,291 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3111% | 1,839 |
| Cost of funding earning assets | 0.5313% | 2,741 |
| Net interest margin | 3.7798% | 1,554 |
| Noninterest income to average assets | 0.6195% | 2,142 |
| Noninterest expense to average assets | 2.2180% | 3,630 |
| Loan and lease loss provision to assets | 0.4778% | 547 |
| Net operating income to assets | 1.2302% | 1,445 |
| Return on assets (ROA) | 1.5607% | 759 |
| Pretax return on assets | 1.7631% | 738 |
| Return on Equity (ROE) | 12.9641% | 1,048 |
| Retained earnings to average equity (ytd only) | 0.6053% | 4,343 |
| Net charge-offs to loans | 0.1024% | 1,444 |
| Credit loss provision to net charge-offs | 733.4066% | 973 |
| Earnings coverage of net charge-offs (x) | 28.6989% | 1,651 |
| Efficiency ratio | 53.7373% | 4,239 |
| Assets per employee ($millions) | 5.4717% | 2,870 |
| Cash dividends to net income (ytd only)* | 95.3307% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1529% | 3,199 |
| Loan loss allowance to noncurrent loans | 816.7732% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 3,307 |
| Noncurrent loans to loans | 0.1412% | 3,718 |
| Net loans and leases to total assets | 63.0842% | 2,479 |
| Net loans and leases to deposits | 75.1841% | 2,365 |
| Net loans and leases to core deposits | 76.1995% | 2,717 |
| Total domestic deposits to total assets | 83.9064% | 3,142 |
| Equity capital to assets | 12.7031% | 1,229 |
| Core capital (leverage) ratio | 11.1646% | 1,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1554% | 1,477 |
| Memoranda: | ||
| Average total assets | $698,467,800 | 1,183 |
| Average earning assets | $640,859,800 | 1,191 |
| Average equity | $84,086,200 | 1,109 |
| Average total loans | $444,510,400 | 1,238 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3487% | 1,972 |
| Cost of funding earning assets | 0.6094% | 2,554 |
| Net interest margin | 3.7393% | 1,798 |
| Noninterest income to average assets | 0.5622% | 2,340 |
| Noninterest expense to average assets | 2.2351% | 3,592 |
| Loan and lease loss provision to assets | 0.6299% | 385 |
| Net operating income to assets | 1.0126% | 2,291 |
| Return on assets (ROA) | 1.4527% | 1,079 |
| Pretax return on assets | 1.6275% | 1,111 |
| Return on Equity (ROE) | 12.2349% | 1,312 |
| Retained earnings to average equity (ytd only) | 0.6166% | 4,355 |
| Net charge-offs to loans | 0.0920% | 1,385 |
| Credit loss provision to net charge-offs | 1,076.2215% | 793 |
| Earnings coverage of net charge-offs (x) | 30.1205% | 1,579 |
| Efficiency ratio | 55.3717% | 3,994 |
| Assets per employee ($millions) | 5.5150% | 2,694 |
| Cash dividends to net income (ytd only)* | 94.9606% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1794% | 2,781 |
| Loan loss allowance to noncurrent loans | 338.6010% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 2,820 |
| Noncurrent loans to loans | 0.3483% | 3,039 |
| Net loans and leases to total assets | 63.0381% | 2,884 |
| Net loans and leases to deposits | 75.5647% | 2,795 |
| Net loans and leases to core deposits | 77.1552% | 3,083 |
| Total domestic deposits to total assets | 83.4227% | 3,018 |
| Equity capital to assets | 12.5703% | 1,391 |
| Core capital (leverage) ratio | 10.3009% | 2,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2410% | 1,440 |
| Memoranda: | ||
| Average total assets | $699,357,500 | 1,162 |
| Average earning assets | $642,598,250 | 1,171 |
| Average equity | $83,039,000 | 1,112 |
| Average total loans | $444,765,250 | 1,231 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4260% | 2,140 |
| Cost of funding earning assets | 0.7302% | 2,235 |
| Net interest margin | 3.6958% | 2,177 |
| Noninterest income to average assets | 0.5570% | 2,319 |
| Noninterest expense to average assets | 2.2427% | 3,672 |
| Loan and lease loss provision to assets | 0.5625% | 580 |
| Net operating income to assets | 1.0370% | 2,197 |
| Return on assets (ROA) | 1.3581% | 1,298 |
| Pretax return on assets | 1.5085% | 1,435 |
| Return on Equity (ROE) | 11.6639% | 1,430 |
| Retained earnings to average equity (ytd only) | 0.1765% | 4,281 |
| Net charge-offs to loans | 0.0840% | 1,408 |
| Credit loss provision to net charge-offs | 1,054.0107% | 762 |
| Earnings coverage of net charge-offs (x) | 32.1230% | 1,378 |
| Efficiency ratio | 56.1373% | 3,927 |
| Assets per employee ($millions) | 5.8054% | 2,367 |
| Cash dividends to net income (ytd only)* | 98.4871% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 4,004 |
| Loan loss allowance to noncurrent loans | 254.2749% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 3,002 |
| Noncurrent loans to loans | 0.3541% | 3,132 |
| Net loans and leases to total assets | 62.9057% | 3,022 |
| Net loans and leases to deposits | 74.2705% | 3,052 |
| Net loans and leases to core deposits | 75.7866% | 3,300 |
| Total domestic deposits to total assets | 84.6981% | 2,505 |
| Equity capital to assets | 12.4933% | 1,378 |
| Core capital (leverage) ratio | 10.5789% | 2,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4343% | 1,652 |
| Memoranda: | ||
| Average total assets | $700,845,333 | 1,142 |
| Average earning assets | $644,730,667 | 1,150 |
| Average equity | $81,602,000 | 1,121 |
| Average total loans | $445,261,667 | 1,215 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5418% | 2,185 |
| Cost of funding earning assets | 0.8092% | 2,327 |
| Net interest margin | 3.7326% | 2,209 |
| Noninterest income to average assets | 0.5571% | 2,240 |
| Noninterest expense to average assets | 2.2244% | 3,949 |
| Loan and lease loss provision to assets | 0.3217% | 964 |
| Net operating income to assets | 1.2895% | 1,270 |
| Return on assets (ROA) | 1.3251% | 1,268 |
| Pretax return on assets | 1.4879% | 1,335 |
| Return on Equity (ROE) | 11.8131% | 1,153 |
| Retained earnings to average equity (ytd only) | -2.0172% | 4,255 |
| Net charge-offs to loans | 0.0773% | 1,252 |
| Credit loss provision to net charge-offs | 654.6512% | 751 |
| Earnings coverage of net charge-offs (x) | 36.0116% | 1,073 |
| Efficiency ratio | 55.1645% | 4,289 |
| Assets per employee ($millions) | 5.6762% | 1,952 |
| Cash dividends to net income (ytd only)* | 117.0763% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6040% | 4,751 |
| Loan loss allowance to noncurrent loans | 146.3784% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.3730% | 2,953 |
| Noncurrent loans to loans | 0.4126% | 3,014 |
| Net loans and leases to total assets | 62.3079% | 3,267 |
| Net loans and leases to deposits | 79.7955% | 2,703 |
| Net loans and leases to core deposits | 81.5894% | 3,053 |
| Total domestic deposits to total assets | 78.0845% | 4,205 |
| Equity capital to assets | 11.4871% | 2,445 |
| Core capital (leverage) ratio | 10.4876% | 2,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4548% | 2,093 |
| Memoranda: | ||
| Average total assets | $700,040,000 | 1,117 |
| Average earning assets | $644,596,000 | 1,117 |
| Average equity | $78,523,000 | 1,156 |
| Average total loans | $444,942,500 | 1,196 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5345% | 2,830 |
| Cost of funding earning assets | 0.8637% | 2,362 |
| Net interest margin | 3.6708% | 2,903 |
| Noninterest income to average assets | 0.6034% | 2,202 |
| Noninterest expense to average assets | 2.1744% | 4,214 |
| Loan and lease loss provision to assets | 0.1411% | 1,510 |
| Net operating income to assets | 1.4844% | 1,092 |
| Return on assets (ROA) | 1.4844% | 1,150 |
| Pretax return on assets | 1.6878% | 1,222 |
| Return on Equity (ROE) | 14.5219% | 792 |
| Retained earnings to average equity (ytd only) | 2.9940% | 3,531 |
| Net charge-offs to loans | 0.1705% | 1,183 |
| Credit loss provision to net charge-offs | 126.1111% | 2,022 |
| Earnings coverage of net charge-offs (x) | 16.3500% | 2,177 |
| Efficiency ratio | 53.7333% | 4,447 |
| Assets per employee ($millions) | 5.1884% | 2,350 |
| Cash dividends to net income (ytd only)* | 79.3825% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5053% | 4,885 |
| Loan loss allowance to noncurrent loans | 132.9559% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 2,945 |
| Noncurrent loans to loans | 0.3800% | 3,073 |
| Net loans and leases to total assets | 64.1456% | 3,179 |
| Net loans and leases to deposits | 79.1929% | 2,886 |
| Net loans and leases to core deposits | 81.2413% | 3,195 |
| Total domestic deposits to total assets | 80.9992% | 3,772 |
| Equity capital to assets | 10.9348% | 3,066 |
| Core capital (leverage) ratio | 10.0605% | 3,448 |
| Tier 1 risk-based capital ratio | 13.3538% | 3,603 |
| Total risk-based capital ratio | 13.8003% | 3,926 |
| Memoranda: | ||
| Average total assets | $643,685,800 | 1,161 |
| Average earning assets | $596,166,600 | 1,159 |
| Average equity | $65,797,400 | 1,283 |
| Average total loans | $422,365,000 | 1,215 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5198% | 2,993 |
| Cost of funding earning assets | 0.8663% | 2,383 |
| Net interest margin | 3.6535% | 3,081 |
| Noninterest income to average assets | 0.6084% | 2,164 |
| Noninterest expense to average assets | 2.2597% | 4,051 |
| Loan and lease loss provision to assets | 0.0695% | 2,488 |
| Net operating income to assets | 1.4457% | 1,341 |
| Return on assets (ROA) | 1.4457% | 1,394 |
| Pretax return on assets | 1.6623% | 1,436 |
| Return on Equity (ROE) | 14.4151% | 907 |
| Retained earnings to average equity (ytd only) | 3.8263% | 3,482 |
| Net charge-offs to loans | 0.0805% | 1,676 |
| Credit loss provision to net charge-offs | 130.9524% | 1,815 |
| Earnings coverage of net charge-offs (x) | 32.6470% | 1,552 |
| Efficiency ratio | 56.0173% | 4,167 |
| Assets per employee ($millions) | 5.3978% | 2,122 |
| Cash dividends to net income (ytd only)* | 73.4567% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5035% | 4,967 |
| Loan loss allowance to noncurrent loans | 80.9542% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 2,941 |
| Noncurrent loans to loans | 0.6219% | 2,417 |
| Net loans and leases to total assets | 62.1207% | 3,485 |
| Net loans and leases to deposits | 75.3160% | 3,362 |
| Net loans and leases to core deposits | 77.5120% | 3,589 |
| Total domestic deposits to total assets | 82.4801% | 3,324 |
| Equity capital to assets | 11.1755% | 2,950 |
| Core capital (leverage) ratio | 10.3163% | 3,295 |
| Tier 1 risk-based capital ratio | 13.5785% | 3,525 |
| Total risk-based capital ratio | 14.0113% | 3,873 |
| Memoranda: | ||
| Average total assets | $633,388,500 | 1,176 |
| Average earning assets | $586,533,000 | 1,175 |
| Average equity | $63,524,250 | 1,320 |
| Average total loans | $417,569,250 | 1,231 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5198% | 2,953 |
| Cost of funding earning assets | 0.8497% | 2,397 |
| Net interest margin | 3.6701% | 3,032 |
| Noninterest income to average assets | 0.6091% | 2,103 |
| Noninterest expense to average assets | 2.3076% | 3,984 |
| Loan and lease loss provision to assets | 0.0678% | 2,456 |
| Net operating income to assets | 1.4051% | 1,425 |
| Return on assets (ROA) | 1.4051% | 1,478 |
| Pretax return on assets | 1.6313% | 1,453 |
| Return on Equity (ROE) | 14.6161% | 850 |
| Retained earnings to average equity (ytd only) | 6.1077% | 2,234 |
| Net charge-offs to loans | 0.0533% | 1,878 |
| Credit loss provision to net charge-offs | 189.1892% | 1,266 |
| Earnings coverage of net charge-offs (x) | 47.4234% | 1,136 |
| Efficiency ratio | 56.9886% | 4,131 |
| Assets per employee ($millions) | 5.1373% | 2,318 |
| Cash dividends to net income (ytd only)* | 58.2127% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5035% | 5,011 |
| Loan loss allowance to noncurrent loans | 76.1465% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 2,761 |
| Noncurrent loans to loans | 0.6612% | 2,303 |
| Net loans and leases to total assets | 65.3930% | 3,179 |
| Net loans and leases to deposits | 76.7873% | 3,263 |
| Net loans and leases to core deposits | 79.2401% | 3,485 |
| Total domestic deposits to total assets | 85.1612% | 2,410 |
| Equity capital to assets | 11.3468% | 2,743 |
| Core capital (leverage) ratio | 10.7115% | 2,885 |
| Tier 1 risk-based capital ratio | 14.1965% | 3,215 |
| Total risk-based capital ratio | 14.6538% | 3,533 |
| Memoranda: | ||
| Average total assets | $619,609,670 | 1,193 |
| Average earning assets | $573,610,670 | 1,199 |
| Average equity | $59,564,330 | 1,384 |
| Average total loans | $416,337,330 | 1,234 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5120% | 2,825 |
| Cost of funding earning assets | 0.8315% | 2,363 |
| Net interest margin | 3.6804% | 2,969 |
| Noninterest income to average assets | 0.6240% | 1,943 |
| Noninterest expense to average assets | 2.3805% | 3,820 |
| Loan and lease loss provision to assets | 0.0594% | 2,466 |
| Net operating income to assets | 1.3589% | 1,491 |
| Return on assets (ROA) | 1.3589% | 1,534 |
| Pretax return on assets | 1.5861% | 1,509 |
| Return on Equity (ROE) | 15.6435% | 643 |
| Retained earnings to average equity (ytd only) | 7.9282% | 1,693 |
| Net charge-offs to loans | 0.0476% | 1,600 |
| Credit loss provision to net charge-offs | 183.6735% | 1,103 |
| Earnings coverage of net charge-offs (x) | 50.8571% | 1,013 |
| Efficiency ratio | 58.5042% | 4,010 |
| Assets per employee ($millions) | 4.9546% | 2,583 |
| Cash dividends to net income (ytd only)* | 49.3197% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5035% | 5,077 |
| Loan loss allowance to noncurrent loans | 132.2335% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 3,536 |
| Noncurrent loans to loans | 0.3808% | 3,223 |
| Net loans and leases to total assets | 66.4933% | 2,976 |
| Net loans and leases to deposits | 76.2069% | 3,240 |
| Net loans and leases to core deposits | 78.9341% | 3,454 |
| Total domestic deposits to total assets | 87.2536% | 1,685 |
| Equity capital to assets | 8.7719% | 4,843 |
| Core capital (leverage) ratio | 8.4251% | 5,049 |
| Tier 1 risk-based capital ratio | 11.1420% | 4,913 |
| Total risk-based capital ratio | 11.6094% | 5,134 |
| Memoranda: | ||
| Average total assets | $605,763,000 | 1,213 |
| Average earning assets | $559,933,500 | 1,221 |
| Average equity | $52,622,500 | 1,508 |
| Average total loans | $411,789,500 | 1,256 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5072% | 2,438 |
| Cost of funding earning assets | 0.6414% | 2,454 |
| Net interest margin | 3.8658% | 2,440 |
| Noninterest income to average assets | 0.7003% | 1,855 |
| Noninterest expense to average assets | 2.5233% | 3,542 |
| Loan and lease loss provision to assets | 0.0577% | 3,008 |
| Net operating income to assets | 1.3715% | 1,527 |
| Return on assets (ROA) | 1.3715% | 1,514 |
| Pretax return on assets | 1.6728% | 1,240 |
| Return on Equity (ROE) | 15.3882% | 746 |
| Retained earnings to average equity (ytd only) | 7.5328% | 1,445 |
| Net charge-offs to loans | 0.0978% | 1,787 |
| Credit loss provision to net charge-offs | 78.9894% | 2,881 |
| Earnings coverage of net charge-offs (x) | 23.6835% | 1,841 |
| Efficiency ratio | 58.9858% | 4,020 |
| Assets per employee ($millions) | 4.7758% | 2,777 |
| Cash dividends to net income (ytd only)* | 51.0485% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4987% | 5,125 |
| Loan loss allowance to noncurrent loans | 146.0329% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 3,586 |
| Noncurrent loans to loans | 0.3415% | 3,326 |
| Net loans and leases to total assets | 68.8352% | 2,760 |
| Net loans and leases to deposits | 77.3666% | 3,238 |
| Net loans and leases to core deposits | 79.7917% | 3,446 |
| Total domestic deposits to total assets | 88.9728% | 872 |
| Equity capital to assets | 8.5982% | 4,870 |
| Core capital (leverage) ratio | 8.3910% | 5,072 |
| Tier 1 risk-based capital ratio | 10.9179% | 5,009 |
| Total risk-based capital ratio | 11.3764% | 5,217 |
| Memoranda: | ||
| Average total assets | $514,601,600 | 1,369 |
| Average earning assets | $473,019,000 | 1,375 |
| Average equity | $45,866,200 | 1,640 |
| Average total loans | $384,290,400 | 1,294 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4689% | 2,402 |
| Cost of funding earning assets | 0.5910% | 2,541 |
| Net interest margin | 3.8780% | 2,379 |
| Noninterest income to average assets | 0.7235% | 1,779 |
| Noninterest expense to average assets | 2.5753% | 3,362 |
| Loan and lease loss provision to assets | 0.0541% | 2,886 |
| Net operating income to assets | 1.3465% | 1,676 |
| Return on assets (ROA) | 1.3465% | 1,690 |
| Pretax return on assets | 1.6577% | 1,388 |
| Return on Equity (ROE) | 14.9492% | 887 |
| Retained earnings to average equity (ytd only) | 7.0187% | 2,120 |
| Net charge-offs to loans | 0.1125% | 1,372 |
| Credit loss provision to net charge-offs | 63.0094% | 2,714 |
| Earnings coverage of net charge-offs (x) | 19.9312% | 1,972 |
| Efficiency ratio | 59.8945% | 3,827 |
| Assets per employee ($millions) | 4.3273% | 3,390 |
| Cash dividends to net income (ytd only)* | 53.0493% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5097% | 5,177 |
| Loan loss allowance to noncurrent loans | 148.1153% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3323% | 3,358 |
| Noncurrent loans to loans | 0.3441% | 3,423 |
| Net loans and leases to total assets | 74.7087% | 1,872 |
| Net loans and leases to deposits | 89.9078% | 1,910 |
| Net loans and leases to core deposits | 92.1961% | 2,457 |
| Total domestic deposits to total assets | 83.0949% | 3,270 |
| Equity capital to assets | 8.7664% | 4,740 |
| Core capital (leverage) ratio | 9.0760% | 4,633 |
| Tier 1 risk-based capital ratio | 11.0373% | 5,020 |
| Total risk-based capital ratio | 11.5093% | 5,241 |
| Memoranda: | ||
| Average total assets | $495,202,750 | 1,425 |
| Average earning assets | $455,073,000 | 1,435 |
| Average equity | $44,603,250 | 1,678 |
| Average total loans | $377,942,250 | 1,316 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3619% | 2,534 |
| Cost of funding earning assets | 0.5200% | 2,840 |
| Net interest margin | 3.8419% | 2,410 |
| Noninterest income to average assets | 0.7333% | 1,723 |
| Noninterest expense to average assets | 2.5998% | 3,327 |
| Loan and lease loss provision to assets | 0.0531% | 2,852 |
| Net operating income to assets | 1.3011% | 1,770 |
| Return on assets (ROA) | 1.3011% | 1,763 |
| Pretax return on assets | 1.6091% | 1,476 |
| Return on Equity (ROE) | 14.3081% | 1,010 |
| Retained earnings to average equity (ytd only) | 6.2983% | 2,416 |
| Net charge-offs to loans | 0.0917% | 1,425 |
| Credit loss provision to net charge-offs | 75.4386% | 2,301 |
| Earnings coverage of net charge-offs (x) | 23.6082% | 1,705 |
| Efficiency ratio | 60.8540% | 3,788 |
| Assets per employee ($millions) | 4.2394% | 3,519 |
| Cash dividends to net income (ytd only)* | 55.9810% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5481% | 5,199 |
| Loan loss allowance to noncurrent loans | 164.9485% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 3,271 |
| Noncurrent loans to loans | 0.3323% | 3,507 |
| Net loans and leases to total assets | 73.5786% | 2,017 |
| Net loans and leases to deposits | 90.6230% | 1,763 |
| Net loans and leases to core deposits | 91.8485% | 2,415 |
| Total domestic deposits to total assets | 81.1919% | 3,946 |
| Equity capital to assets | 8.8869% | 4,656 |
| Core capital (leverage) ratio | 9.2818% | 4,381 |
| Tier 1 risk-based capital ratio | 11.1491% | 4,970 |
| Total risk-based capital ratio | 11.6543% | 5,217 |
| Memoranda: | ||
| Average total assets | $485,735,670 | 1,452 |
| Average earning assets | $446,138,670 | 1,467 |
| Average equity | $44,170,670 | 1,697 |
| Average total loans | $372,862,330 | 1,329 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2738% | 2,621 |
| Cost of funding earning assets | 0.4558% | 3,163 |
| Net interest margin | 3.8180% | 2,343 |
| Noninterest income to average assets | 0.7371% | 1,672 |
| Noninterest expense to average assets | 2.6442% | 3,206 |
| Loan and lease loss provision to assets | 0.0483% | 2,811 |
| Net operating income to assets | 1.2454% | 1,829 |
| Return on assets (ROA) | 1.2454% | 1,839 |
| Pretax return on assets | 1.5437% | 1,553 |
| Return on Equity (ROE) | 13.5289% | 1,128 |
| Retained earnings to average equity (ytd only) | 4.8133% | 3,255 |
| Net charge-offs to loans | 0.0585% | 1,518 |
| Credit loss provision to net charge-offs | 105.5556% | 1,493 |
| Earnings coverage of net charge-offs (x) | 34.7963% | 1,150 |
| Efficiency ratio | 62.3800% | 3,719 |
| Assets per employee ($millions) | 4.0889% | 3,824 |
| Cash dividends to net income (ytd only)* | 64.4218% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5736% | 5,232 |
| Loan loss allowance to noncurrent loans | 152.3297% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 3,373 |
| Noncurrent loans to loans | 0.3765% | 3,434 |
| Net loans and leases to total assets | 75.7045% | 1,582 |
| Net loans and leases to deposits | 90.9284% | 1,571 |
| Net loans and leases to core deposits | 92.1432% | 2,287 |
| Total domestic deposits to total assets | 83.2573% | 3,590 |
| Equity capital to assets | 9.1741% | 4,390 |
| Core capital (leverage) ratio | 9.8556% | 3,704 |
| Tier 1 risk-based capital ratio | 11.2861% | 4,988 |
| Total risk-based capital ratio | 11.8186% | 5,237 |
| Memoranda: | ||
| Average total assets | $472,120,500 | 1,503 |
| Average earning assets | $432,687,500 | 1,518 |
| Average equity | $43,462,500 | 1,727 |
| Average total loans | $369,537,000 | 1,345 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3286% | 2,238 |
| Cost of funding earning assets | 0.4071% | 3,187 |
| Net interest margin | 3.9215% | 2,025 |
| Noninterest income to average assets | 0.7709% | 1,690 |
| Noninterest expense to average assets | 2.6392% | 3,321 |
| Loan and lease loss provision to assets | 0.0224% | 3,852 |
| Net operating income to assets | 1.1399% | 1,714 |
| Return on assets (ROA) | 1.1401% | 1,750 |
| Pretax return on assets | 1.6911% | 1,029 |
| Return on Equity (ROE) | 12.5159% | 1,076 |
| Retained earnings to average equity (ytd only) | 7.5120% | 917 |
| Net charge-offs to loans | 0.0887% | 2,206 |
| Credit loss provision to net charge-offs | 31.3480% | 3,524 |
| Earnings coverage of net charge-offs (x) | 23.9781% | 1,778 |
| Efficiency ratio | 60.6062% | 4,171 |
| Assets per employee ($millions) | 3.7209% | 4,403 |
| Cash dividends to net income (ytd only)* | 39.9804% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5757% | 5,286 |
| Loan loss allowance to noncurrent loans | 152.1147% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.3916% | 3,294 |
| Noncurrent loans to loans | 0.3785% | 3,401 |
| Net loans and leases to total assets | 80.0732% | 950 |
| Net loans and leases to deposits | 94.3127% | 1,241 |
| Net loans and leases to core deposits | 95.5605% | 2,073 |
| Total domestic deposits to total assets | 84.9018% | 2,877 |
| Equity capital to assets | 9.2395% | 4,489 |
| Core capital (leverage) ratio | 9.4389% | 4,117 |
| Tier 1 risk-based capital ratio | 11.3276% | 4,964 |
| Total risk-based capital ratio | 11.8930% | 5,214 |
| Memoranda: | ||
| Average total assets | $446,466,800 | 1,557 |
| Average earning assets | $407,755,000 | 1,571 |
| Average equity | $40,668,200 | 1,826 |
| Average total loans | $359,604,800 | 1,347 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2953% | 2,275 |
| Cost of funding earning assets | 0.4102% | 3,086 |
| Net interest margin | 3.8852% | 2,089 |
| Noninterest income to average assets | 0.7765% | 1,674 |
| Noninterest expense to average assets | 2.6617% | 3,199 |
| Loan and lease loss provision to assets | 0.0225% | 3,690 |
| Net operating income to assets | 1.1129% | 2,031 |
| Return on assets (ROA) | 1.1131% | 2,090 |
| Pretax return on assets | 1.6423% | 1,269 |
| Return on Equity (ROE) | 12.2655% | 1,253 |
| Retained earnings to average equity (ytd only) | 6.9805% | 1,697 |
| Net charge-offs to loans | 0.0825% | 1,975 |
| Credit loss provision to net charge-offs | 33.9367% | 3,053 |
| Earnings coverage of net charge-offs (x) | 25.0633% | 1,745 |
| Efficiency ratio | 61.4962% | 3,957 |
| Assets per employee ($millions) | 4.0092% | 3,977 |
| Cash dividends to net income (ytd only)* | 43.0886% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6091% | 5,307 |
| Loan loss allowance to noncurrent loans | 169.2367% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.3821% | 3,500 |
| Noncurrent loans to loans | 0.3599% | 3,662 |
| Net loans and leases to total assets | 79.0647% | 1,117 |
| Net loans and leases to deposits | 93.0937% | 1,414 |
| Net loans and leases to core deposits | 94.2978% | 2,246 |
| Total domestic deposits to total assets | 84.9302% | 2,741 |
| Equity capital to assets | 9.1577% | 4,761 |
| Core capital (leverage) ratio | 9.3035% | 4,404 |
| Tier 1 risk-based capital ratio | 11.3683% | 5,039 |
| Total risk-based capital ratio | 11.9686% | 5,291 |
| Memoranda: | ||
| Average total assets | $443,667,250 | 1,577 |
| Average earning assets | $405,359,750 | 1,592 |
| Average equity | $40,263,750 | 1,865 |
| Average total loans | $357,358,750 | 1,369 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2090% | 2,436 |
| Cost of funding earning assets | 0.4098% | 2,981 |
| Net interest margin | 3.7992% | 2,290 |
| Noninterest income to average assets | 0.7754% | 1,662 |
| Noninterest expense to average assets | 2.6835% | 3,148 |
| Loan and lease loss provision to assets | 0.0227% | 3,534 |
| Net operating income to assets | 1.0647% | 2,144 |
| Return on assets (ROA) | 1.0650% | 2,185 |
| Pretax return on assets | 1.5417% | 1,519 |
| Return on Equity (ROE) | 11.7725% | 1,368 |
| Retained earnings to average equity (ytd only) | 5.8662% | 2,189 |
| Net charge-offs to loans | 0.0556% | 2,139 |
| Credit loss provision to net charge-offs | 50.5051% | 2,555 |
| Earnings coverage of net charge-offs (x) | 34.7980% | 1,358 |
| Efficiency ratio | 63.1466% | 3,807 |
| Assets per employee ($millions) | 3.8190% | 4,251 |
| Cash dividends to net income (ytd only)* | 50.1705% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6410% | 5,320 |
| Loan loss allowance to noncurrent loans | 142.8928% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 3,419 |
| Noncurrent loans to loans | 0.4486% | 3,404 |
| Net loans and leases to total assets | 79.5127% | 1,023 |
| Net loans and leases to deposits | 93.9459% | 1,269 |
| Net loans and leases to core deposits | 95.1654% | 2,060 |
| Total domestic deposits to total assets | 84.6367% | 2,964 |
| Equity capital to assets | 9.0771% | 4,827 |
| Core capital (leverage) ratio | 9.1627% | 4,537 |
| Tier 1 risk-based capital ratio | 11.3396% | 5,061 |
| Total risk-based capital ratio | 11.9793% | 5,298 |
| Memoranda: | ||
| Average total assets | $440,543,330 | 1,589 |
| Average earning assets | $402,613,670 | 1,605 |
| Average equity | $39,855,670 | 1,877 |
| Average total loans | $356,348,670 | 1,374 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1839% | 2,327 |
| Cost of funding earning assets | 0.4141% | 2,867 |
| Net interest margin | 3.7698% | 2,224 |
| Noninterest income to average assets | 0.7627% | 1,697 |
| Noninterest expense to average assets | 2.6968% | 3,156 |
| Loan and lease loss provision to assets | 0.0229% | 3,285 |
| Net operating income to assets | 1.0410% | 2,113 |
| Return on assets (ROA) | 1.0416% | 2,162 |
| Pretax return on assets | 1.4906% | 1,563 |
| Return on Equity (ROE) | 11.5329% | 1,394 |
| Retained earnings to average equity (ytd only) | 5.7917% | 2,444 |
| Net charge-offs to loans | 0.0371% | 2,049 |
| Credit loss provision to net charge-offs | 75.7576% | 1,784 |
| Earnings coverage of net charge-offs (x) | 50.1212% | 893 |
| Efficiency ratio | 64.0235% | 3,830 |
| Assets per employee ($millions) | 3.6855% | 4,524 |
| Cash dividends to net income (ytd only)* | 49.7805% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6576% | 5,394 |
| Loan loss allowance to noncurrent loans | 118.4264% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 3,132 |
| Noncurrent loans to loans | 0.5553% | 3,142 |
| Net loans and leases to total assets | 80.3562% | 794 |
| Net loans and leases to deposits | 96.7578% | 867 |
| Net loans and leases to core deposits | 97.5247% | 1,700 |
| Total domestic deposits to total assets | 83.0487% | 3,816 |
| Equity capital to assets | 9.0903% | 4,720 |
| Core capital (leverage) ratio | 9.2374% | 4,423 |
| Tier 1 risk-based capital ratio | 11.2738% | 5,151 |
| Total risk-based capital ratio | 11.9308% | 5,383 |
| Memoranda: | ||
| Average total assets | $437,405,500 | 1,612 |
| Average earning assets | $399,916,500 | 1,623 |
| Average equity | $39,504,500 | 1,891 |
| Average total loans | $355,738,000 | 1,377 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3661% | 1,927 |
| Cost of funding earning assets | 0.4469% | 2,564 |
| Net interest margin | 3.9192% | 1,904 |
| Noninterest income to average assets | 0.8417% | 1,613 |
| Noninterest expense to average assets | 2.7501% | 3,190 |
| Loan and lease loss provision to assets | 0.0720% | 2,919 |
| Net operating income to assets | 1.1058% | 1,876 |
| Return on assets (ROA) | 1.1329% | 1,854 |
| Pretax return on assets | 1.6265% | 1,199 |
| Return on Equity (ROE) | 12.0325% | 1,234 |
| Retained earnings to average equity (ytd only) | 0.0965% | 5,274 |
| Net charge-offs to loans | 0.1153% | 2,105 |
| Credit loss provision to net charge-offs | 75.8186% | 3,044 |
| Earnings coverage of net charge-offs (x) | 17.4887% | 2,042 |
| Efficiency ratio | 62.2974% | 4,202 |
| Assets per employee ($millions) | 3.5466% | 4,682 |
| Cash dividends to net income (ytd only)* | 99.1981% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6563% | 5,436 |
| Loan loss allowance to noncurrent loans | 146.5874% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.4429% | 3,495 |
| Noncurrent loans to loans | 0.4477% | 3,544 |
| Net loans and leases to total assets | 81.2358% | 707 |
| Net loans and leases to deposits | 103.2341% | 453 |
| Net loans and leases to core deposits | 103.6462% | 1,310 |
| Total domestic deposits to total assets | 78.6909% | 4,869 |
| Equity capital to assets | 8.9724% | 4,848 |
| Core capital (leverage) ratio | 9.2584% | 4,394 |
| Tier 1 risk-based capital ratio | 11.1224% | 5,274 |
| Total risk-based capital ratio | 11.7822% | 5,493 |
| Memoranda: | ||
| Average total assets | $418,314,800 | 1,620 |
| Average earning assets | $380,843,200 | 1,635 |
| Average equity | $39,385,000 | 1,868 |
| Average total loans | $344,262,400 | 1,358 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3916% | 1,883 |
| Cost of funding earning assets | 0.4547% | 2,512 |
| Net interest margin | 3.9369% | 1,864 |
| Noninterest income to average assets | 0.8560% | 1,561 |
| Noninterest expense to average assets | 2.7572% | 3,156 |
| Loan and lease loss provision to assets | 0.0989% | 2,249 |
| Net operating income to assets | 1.0955% | 2,020 |
| Return on assets (ROA) | 1.1315% | 1,986 |
| Pretax return on assets | 1.6309% | 1,301 |
| Return on Equity (ROE) | 11.8708% | 1,370 |
| Retained earnings to average equity (ytd only) | 0.0778% | 5,317 |
| Net charge-offs to loans | 0.1133% | 1,814 |
| Credit loss provision to net charge-offs | 105.8621% | 2,267 |
| Earnings coverage of net charge-offs (x) | 17.9550% | 2,026 |
| Efficiency ratio | 62.1068% | 4,212 |
| Assets per employee ($millions) | 3.3648% | 4,960 |
| Cash dividends to net income (ytd only)* | 99.3450% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6999% | 5,429 |
| Loan loss allowance to noncurrent loans | 166.4858% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 3,734 |
| Noncurrent loans to loans | 0.4204% | 3,772 |
| Net loans and leases to total assets | 82.1254% | 601 |
| Net loans and leases to deposits | 104.6578% | 422 |
| Net loans and leases to core deposits | 105.3302% | 1,250 |
| Total domestic deposits to total assets | 78.4705% | 4,823 |
| Equity capital to assets | 9.3021% | 4,860 |
| Core capital (leverage) ratio | 9.3276% | 4,428 |
| Tier 1 risk-based capital ratio | 11.4307% | 5,133 |
| Total risk-based capital ratio | 12.1419% | 5,341 |
| Memoranda: | ||
| Average total assets | $413,834,500 | 1,635 |
| Average earning assets | $376,194,000 | 1,651 |
| Average equity | $39,446,000 | 1,878 |
| Average total loans | $341,147,750 | 1,366 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4160% | 1,780 |
| Cost of funding earning assets | 0.4687% | 2,388 |
| Net interest margin | 3.9474% | 1,818 |
| Noninterest income to average assets | 0.8600% | 1,509 |
| Noninterest expense to average assets | 2.7331% | 3,262 |
| Loan and lease loss provision to assets | 0.0858% | 2,431 |
| Net operating income to assets | 1.1202% | 1,885 |
| Return on assets (ROA) | 1.1202% | 1,997 |
| Pretax return on assets | 1.6240% | 1,296 |
| Return on Equity (ROE) | 11.6557% | 1,426 |
| Retained earnings to average equity (ytd only) | 0.3042% | 5,208 |
| Net charge-offs to loans | 0.0876% | 1,968 |
| Credit loss provision to net charge-offs | 118.9189% | 1,882 |
| Earnings coverage of net charge-offs (x) | 23.7095% | 1,580 |
| Efficiency ratio | 61.4499% | 4,435 |
| Assets per employee ($millions) | 3.4013% | 4,923 |
| Cash dividends to net income (ytd only)* | 97.3902% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 5,504 |
| Loan loss allowance to noncurrent loans | 200.7329% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.3714% | 4,003 |
| Noncurrent loans to loans | 0.3520% | 4,112 |
| Net loans and leases to total assets | 82.7886% | 538 |
| Net loans and leases to deposits | 104.6247% | 433 |
| Net loans and leases to core deposits | 105.5571% | 1,214 |
| Total domestic deposits to total assets | 79.1291% | 4,750 |
| Equity capital to assets | 9.4368% | 4,831 |
| Core capital (leverage) ratio | 9.5043% | 4,205 |
| Tier 1 risk-based capital ratio | 11.5373% | 5,127 |
| Total risk-based capital ratio | 12.2577% | 5,341 |
| Memoranda: | ||
| Average total assets | $410,455,670 | 1,646 |
| Average earning assets | $372,552,330 | 1,672 |
| Average equity | $39,448,670 | 1,881 |
| Average total loans | $337,983,000 | 1,380 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3835% | 1,849 |
| Cost of funding earning assets | 0.4928% | 2,160 |
| Net interest margin | 3.8907% | 1,960 |
| Noninterest income to average assets | 0.8462% | 1,458 |
| Noninterest expense to average assets | 2.7090% | 3,381 |
| Loan and lease loss provision to assets | 0.0699% | 2,551 |
| Net operating income to assets | 1.0991% | 1,902 |
| Return on assets (ROA) | 1.0991% | 2,002 |
| Pretax return on assets | 1.5941% | 1,313 |
| Return on Equity (ROE) | 11.3306% | 1,494 |
| Retained earnings to average equity (ytd only) | 0.1014% | 5,081 |
| Net charge-offs to loans | 0.1600% | 1,169 |
| Credit loss provision to net charge-offs | 53.3835% | 2,026 |
| Earnings coverage of net charge-offs (x) | 12.7143% | 1,774 |
| Efficiency ratio | 61.8812% | 4,466 |
| Assets per employee ($millions) | 3.2318% | 5,225 |
| Cash dividends to net income (ytd only)* | 99.1047% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7080% | 5,582 |
| Loan loss allowance to noncurrent loans | 167.2535% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 3,890 |
| Noncurrent loans to loans | 0.4233% | 3,925 |
| Net loans and leases to total assets | 81.1537% | 665 |
| Net loans and leases to deposits | 101.4581% | 534 |
| Net loans and leases to core deposits | 102.2894% | 1,314 |
| Total domestic deposits to total assets | 79.9874% | 4,746 |
| Equity capital to assets | 9.6126% | 4,554 |
| Core capital (leverage) ratio | 9.7924% | 3,789 |
| Tier 1 risk-based capital ratio | 12.1791% | 4,791 |
| Total risk-based capital ratio | 12.9127% | 5,041 |
| Memoranda: | ||
| Average total assets | $406,502,000 | 1,658 |
| Average earning assets | $368,470,500 | 1,691 |
| Average equity | $39,433,000 | 1,874 |
| Average total loans | $332,563,500 | 1,391 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3364% | 2,102 |
| Cost of funding earning assets | 0.5489% | 1,769 |
| Net interest margin | 3.7875% | 2,417 |
| Noninterest income to average assets | 0.9056% | 1,433 |
| Noninterest expense to average assets | 2.6868% | 3,623 |
| Loan and lease loss provision to assets | 0.1365% | 1,737 |
| Net operating income to assets | 1.0717% | 2,034 |
| Return on assets (ROA) | 1.0776% | 2,086 |
| Pretax return on assets | 1.5472% | 1,417 |
| Return on Equity (ROE) | 11.2640% | 1,527 |
| Retained earnings to average equity (ytd only) | 2.1073% | 4,522 |
| Net charge-offs to loans | 0.1616% | 1,753 |
| Credit loss provision to net charge-offs | 107.1705% | 2,347 |
| Earnings coverage of net charge-offs (x) | 13.1570% | 2,395 |
| Efficiency ratio | 61.2208% | 4,729 |
| Assets per employee ($millions) | 3.2997% | 5,154 |
| Cash dividends to net income (ytd only)* | 81.2915% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7392% | 5,559 |
| Loan loss allowance to noncurrent loans | 207.4043% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.3806% | 4,070 |
| Noncurrent loans to loans | 0.3564% | 4,183 |
| Net loans and leases to total assets | 81.2859% | 669 |
| Net loans and leases to deposits | 100.0976% | 668 |
| Net loans and leases to core deposits | 101.0066% | 1,441 |
| Total domestic deposits to total assets | 81.2066% | 4,424 |
| Equity capital to assets | 9.7903% | 4,202 |
| Core capital (leverage) ratio | 9.7333% | 3,860 |
| Tier 1 risk-based capital ratio | 12.4269% | 4,684 |
| Total risk-based capital ratio | 13.1952% | 4,887 |
| Memoranda: | ||
| Average total assets | $405,246,400 | 1,629 |
| Average earning assets | $369,822,600 | 1,643 |
| Average equity | $38,769,600 | 1,855 |
| Average total loans | $319,231,600 | 1,391 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3086% | 2,197 |
| Cost of funding earning assets | 0.5582% | 1,735 |
| Net interest margin | 3.7504% | 2,563 |
| Noninterest income to average assets | 0.8990% | 1,452 |
| Noninterest expense to average assets | 2.6964% | 3,575 |
| Loan and lease loss provision to assets | 0.1271% | 1,777 |
| Net operating income to assets | 1.0466% | 2,233 |
| Return on assets (ROA) | 1.0544% | 2,294 |
| Pretax return on assets | 1.5096% | 1,654 |
| Return on Equity (ROE) | 11.0852% | 1,677 |
| Retained earnings to average equity (ytd only) | -0.0242% | 5,597 |
| Net charge-offs to loans | 0.0253% | 3,434 |
| Credit loss provision to net charge-offs | 645.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 82.4813% | 726 |
| Efficiency ratio | 61.8863% | 4,591 |
| Assets per employee ($millions) | 3.3070% | 5,114 |
| Cash dividends to net income (ytd only)* | 100.2182% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8357% | 5,424 |
| Loan loss allowance to noncurrent loans | 162.2249% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.5023% | 3,823 |
| Noncurrent loans to loans | 0.5151% | 3,808 |
| Net loans and leases to total assets | 79.5558% | 876 |
| Net loans and leases to deposits | 99.0223% | 724 |
| Net loans and leases to core deposits | 99.9988% | 1,518 |
| Total domestic deposits to total assets | 80.3413% | 4,658 |
| Equity capital to assets | 9.4988% | 4,752 |
| Core capital (leverage) ratio | 9.5072% | 4,292 |
| Tier 1 risk-based capital ratio | 12.3712% | 4,840 |
| Total risk-based capital ratio | 13.2452% | 5,004 |
| Memoranda: | ||
| Average total assets | $405,917,500 | 1,638 |
| Average earning assets | $370,475,500 | 1,651 |
| Average equity | $38,609,000 | 1,879 |
| Average total loans | $316,623,750 | 1,404 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2516% | 2,350 |
| Cost of funding earning assets | 0.5601% | 1,735 |
| Net interest margin | 3.6915% | 2,750 |
| Noninterest income to average assets | 0.9102% | 1,411 |
| Noninterest expense to average assets | 2.6965% | 3,605 |
| Loan and lease loss provision to assets | 0.1287% | 1,724 |
| Net operating income to assets | 1.0201% | 2,292 |
| Return on assets (ROA) | 1.0315% | 2,338 |
| Pretax return on assets | 1.4713% | 1,722 |
| Return on Equity (ROE) | 10.8395% | 1,734 |
| Retained earnings to average equity (ytd only) | -0.1036% | 5,527 |
| Net charge-offs to loans | -0.0230% | 5,217 |
| Credit loss provision to net charge-offs | -725.0000% | 5,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3085% | 4,633 |
| Assets per employee ($millions) | 3.1430% | 5,416 |
| Cash dividends to net income (ytd only)* | 100.9560% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8646% | 5,419 |
| Loan loss allowance to noncurrent loans | 163.0593% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.6863% | 3,344 |
| Noncurrent loans to loans | 0.5303% | 3,868 |
| Net loans and leases to total assets | 76.8626% | 1,244 |
| Net loans and leases to deposits | 95.5327% | 1,001 |
| Net loans and leases to core deposits | 96.3906% | 1,766 |
| Total domestic deposits to total assets | 80.4568% | 4,759 |
| Equity capital to assets | 9.5877% | 4,547 |
| Core capital (leverage) ratio | 9.3401% | 4,500 |
| Tier 1 risk-based capital ratio | 12.7938% | 4,625 |
| Total risk-based capital ratio | 13.6934% | 4,758 |
| Memoranda: | ||
| Average total assets | $405,638,000 | 1,646 |
| Average earning assets | $370,309,330 | 1,663 |
| Average equity | $38,599,670 | 1,890 |
| Average total loans | $313,390,000 | 1,421 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 2,672 |
| Cost of funding earning assets | 0.5577% | 1,773 |
| Net interest margin | 3.5825% | 3,068 |
| Noninterest income to average assets | 0.9065% | 1,367 |
| Noninterest expense to average assets | 2.6919% | 3,616 |
| Loan and lease loss provision to assets | 0.1139% | 1,814 |
| Net operating income to assets | 0.9689% | 2,399 |
| Return on assets (ROA) | 0.9840% | 2,458 |
| Pretax return on assets | 1.3965% | 1,899 |
| Return on Equity (ROE) | 10.3798% | 1,841 |
| Retained earnings to average equity (ytd only) | -0.8805% | 5,531 |
| Net charge-offs to loans | 0.0127% | 2,934 |
| Credit loss provision to net charge-offs | 1,160.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 151.6000% | 355 |
| Efficiency ratio | 63.6833% | 4,524 |
| Assets per employee ($millions) | 3.1672% | 5,456 |
| Cash dividends to net income (ytd only)* | 108.4830% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8019% | 5,689 |
| Loan loss allowance to noncurrent loans | 187.7154% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 3,691 |
| Noncurrent loans to loans | 0.4272% | 4,315 |
| Net loans and leases to total assets | 74.7134% | 1,398 |
| Net loans and leases to deposits | 92.9714% | 1,094 |
| Net loans and leases to core deposits | 93.7086% | 1,792 |
| Total domestic deposits to total assets | 80.3617% | 4,971 |
| Equity capital to assets | 9.2993% | 4,967 |
| Core capital (leverage) ratio | 9.5374% | 4,216 |
| Tier 1 risk-based capital ratio | 12.6610% | 4,806 |
| Total risk-based capital ratio | 13.4850% | 4,996 |
| Memoranda: | ||
| Average total assets | $407,302,500 | 1,646 |
| Average earning assets | $372,249,500 | 1,663 |
| Average equity | $38,613,500 | 1,897 |
| Average total loans | $314,124,000 | 1,423 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5319% | 1,754 |
| Cost of funding earning assets | 0.6132% | 1,649 |
| Net interest margin | 3.9187% | 2,162 |
| Noninterest income to average assets | 0.8984% | 1,504 |
| Noninterest expense to average assets | 2.8543% | 3,284 |
| Loan and lease loss provision to assets | 0.2232% | 1,101 |
| Net operating income to assets | 0.9847% | 2,456 |
| Return on assets (ROA) | 0.9899% | 2,509 |
| Pretax return on assets | 1.3848% | 1,935 |
| Return on Equity (ROE) | 10.2661% | 2,001 |
| Retained earnings to average equity (ytd only) | 0.2503% | 5,669 |
| Net charge-offs to loans | 0.4414% | 957 |
| Credit loss provision to net charge-offs | 64.2082% | 3,199 |
| Earnings coverage of net charge-offs (x) | 4.6045% | 3,610 |
| Efficiency ratio | 63.3978% | 4,686 |
| Assets per employee ($millions) | 3.0280% | 5,663 |
| Cash dividends to net income (ytd only)* | 97.5622% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7601% | 5,864 |
| Loan loss allowance to noncurrent loans | 221.1982% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 3,940 |
| Noncurrent loans to loans | 0.3436% | 4,624 |
| Net loans and leases to total assets | 78.3969% | 951 |
| Net loans and leases to deposits | 96.3810% | 879 |
| Net loans and leases to core deposits | 97.1631% | 1,624 |
| Total domestic deposits to total assets | 81.3406% | 4,639 |
| Equity capital to assets | 9.6682% | 4,513 |
| Core capital (leverage) ratio | 9.5903% | 4,117 |
| Tier 1 risk-based capital ratio | 12.7329% | 4,902 |
| Total risk-based capital ratio | 13.5290% | 5,087 |
| Memoranda: | ||
| Average total assets | $397,823,200 | 1,651 |
| Average earning assets | $361,059,800 | 1,662 |
| Average equity | $38,359,400 | 1,840 |
| Average total loans | $313,303,800 | 1,377 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5747% | 1,627 |
| Cost of funding earning assets | 0.6200% | 1,672 |
| Net interest margin | 3.9547% | 2,018 |
| Noninterest income to average assets | 0.8593% | 1,662 |
| Noninterest expense to average assets | 2.8951% | 3,139 |
| Loan and lease loss provision to assets | 0.2205% | 1,037 |
| Net operating income to assets | 0.9481% | 2,694 |
| Return on assets (ROA) | 0.9550% | 2,742 |
| Pretax return on assets | 1.3365% | 2,249 |
| Return on Equity (ROE) | 9.9105% | 2,265 |
| Retained earnings to average equity (ytd only) | 0.0244% | 5,785 |
| Net charge-offs to loans | 0.2251% | 1,695 |
| Credit loss provision to net charge-offs | 124.4318% | 1,849 |
| Earnings coverage of net charge-offs (x) | 8.7330% | 2,754 |
| Efficiency ratio | 64.4988% | 4,467 |
| Assets per employee ($millions) | 2.9065% | 5,838 |
| Cash dividends to net income (ytd only)* | 99.7541% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 5,356 |
| Loan loss allowance to noncurrent loans | 205.5744% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 3,813 |
| Noncurrent loans to loans | 0.4704% | 4,496 |
| Net loans and leases to total assets | 77.2180% | 1,064 |
| Net loans and leases to deposits | 95.8369% | 893 |
| Net loans and leases to core deposits | 96.6941% | 1,615 |
| Total domestic deposits to total assets | 80.5723% | 4,945 |
| Equity capital to assets | 9.5879% | 4,682 |
| Core capital (leverage) ratio | 9.7734% | 3,963 |
| Tier 1 risk-based capital ratio | 12.7420% | 5,017 |
| Total risk-based capital ratio | 13.7482% | 5,107 |
| Memoranda: | ||
| Average total assets | $397,353,500 | 1,668 |
| Average earning assets | $359,998,750 | 1,687 |
| Average equity | $38,288,250 | 1,852 |
| Average total loans | $312,691,250 | 1,390 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5834% | 1,577 |
| Cost of funding earning assets | 0.6253% | 1,681 |
| Net interest margin | 3.9581% | 1,935 |
| Noninterest income to average assets | 0.8230% | 1,756 |
| Noninterest expense to average assets | 2.9225% | 3,091 |
| Loan and lease loss provision to assets | 0.2181% | 1,069 |
| Net operating income to assets | 0.9192% | 2,706 |
| Return on assets (ROA) | 0.9200% | 2,805 |
| Pretax return on assets | 1.2663% | 2,386 |
| Return on Equity (ROE) | 9.5313% | 2,363 |
| Retained earnings to average equity (ytd only) | 0.2825% | 5,608 |
| Net charge-offs to loans | 0.1247% | 2,425 |
| Credit loss provision to net charge-offs | 221.5385% | 1,078 |
| Earnings coverage of net charge-offs (x) | 15.0667% | 1,875 |
| Efficiency ratio | 65.6429% | 4,411 |
| Assets per employee ($millions) | 2.9632% | 5,802 |
| Cash dividends to net income (ytd only)* | 97.0362% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 5,385 |
| Loan loss allowance to noncurrent loans | 129.3680% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.9573% | 3,145 |
| Noncurrent loans to loans | 0.7676% | 3,786 |
| Net loans and leases to total assets | 78.6437% | 835 |
| Net loans and leases to deposits | 97.0611% | 734 |
| Net loans and leases to core deposits | 97.9305% | 1,451 |
| Total domestic deposits to total assets | 81.0249% | 4,972 |
| Equity capital to assets | 9.6912% | 4,502 |
| Core capital (leverage) ratio | 9.5189% | 4,306 |
| Tier 1 risk-based capital ratio | 12.5958% | 5,160 |
| Total risk-based capital ratio | 13.6253% | 5,237 |
| Memoranda: | ||
| Average total assets | $396,105,330 | 1,670 |
| Average earning assets | $358,554,330 | 1,689 |
| Average equity | $38,232,000 | 1,848 |
| Average total loans | $312,673,670 | 1,390 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5632% | 1,603 |
| Cost of funding earning assets | 0.6280% | 1,750 |
| Net interest margin | 3.9352% | 1,966 |
| Noninterest income to average assets | 0.6784% | 2,296 |
| Noninterest expense to average assets | 2.9331% | 3,106 |
| Loan and lease loss provision to assets | 0.2184% | 1,040 |
| Net operating income to assets | 0.8063% | 3,122 |
| Return on assets (ROA) | 0.8078% | 3,189 |
| Pretax return on assets | 1.0960% | 2,925 |
| Return on Equity (ROE) | 8.3867% | 2,744 |
| Retained earnings to average equity (ytd only) | -1.1021% | 5,746 |
| Net charge-offs to loans | 0.0938% | 2,229 |
| Credit loss provision to net charge-offs | 295.8904% | 808 |
| Earnings coverage of net charge-offs (x) | 17.7808% | 1,444 |
| Efficiency ratio | 68.3734% | 4,118 |
| Assets per employee ($millions) | 3.0850% | 5,715 |
| Cash dividends to net income (ytd only)* | 113.1414% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 5,637 |
| Loan loss allowance to noncurrent loans | 105.8537% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.0180% | 3,221 |
| Noncurrent loans to loans | 0.9166% | 3,595 |
| Net loans and leases to total assets | 76.7280% | 916 |
| Net loans and leases to deposits | 95.0225% | 718 |
| Net loans and leases to core deposits | 95.8703% | 1,393 |
| Total domestic deposits to total assets | 80.7472% | 5,303 |
| Equity capital to assets | 9.4343% | 4,586 |
| Core capital (leverage) ratio | 9.7311% | 3,954 |
| Tier 1 risk-based capital ratio | 12.5977% | 5,258 |
| Total risk-based capital ratio | 13.6015% | 5,340 |
| Memoranda: | ||
| Average total assets | $395,626,500 | 1,684 |
| Average earning assets | $358,605,500 | 1,697 |
| Average equity | $38,108,000 | 1,846 |
| Average total loans | $311,312,000 | 1,393 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5525% | 2,027 |
| Cost of funding earning assets | 0.7447% | 1,531 |
| Net interest margin | 3.8078% | 2,632 |
| Noninterest income to average assets | 0.9601% | 1,493 |
| Noninterest expense to average assets | 2.9125% | 3,337 |
| Loan and lease loss provision to assets | 0.3009% | 1,119 |
| Net operating income to assets | 0.9714% | 2,464 |
| Return on assets (ROA) | 0.9754% | 2,507 |
| Pretax return on assets | 1.1965% | 2,596 |
| Return on Equity (ROE) | 10.4147% | 1,948 |
| Retained earnings to average equity (ytd only) | 0.8439% | 5,458 |
| Net charge-offs to loans | 0.3523% | 1,919 |
| Credit loss provision to net charge-offs | 117.7419% | 2,043 |
| Earnings coverage of net charge-offs (x) | 5.8406% | 3,196 |
| Efficiency ratio | 65.4632% | 4,661 |
| Assets per employee ($millions) | 2.8465% | 6,046 |
| Cash dividends to net income (ytd only)* | 91.8966% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 5,811 |
| Loan loss allowance to noncurrent loans | 94.3304% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.3616% | 2,711 |
| Noncurrent loans to loans | 0.9916% | 3,537 |
| Net loans and leases to total assets | 79.2023% | 682 |
| Net loans and leases to deposits | 98.0869% | 584 |
| Net loans and leases to core deposits | 98.9991% | 1,231 |
| Total domestic deposits to total assets | 80.7471% | 5,255 |
| Equity capital to assets | 9.8391% | 3,975 |
| Core capital (leverage) ratio | 9.6950% | 3,991 |
| Tier 1 risk-based capital ratio | 12.6825% | 5,184 |
| Total risk-based capital ratio | 13.6441% | 5,299 |
| Memoranda: | ||
| Average total assets | $412,458,800 | 1,600 |
| Average earning assets | $373,157,600 | 1,619 |
| Average equity | $38,628,000 | 1,804 |
| Average total loans | $299,145,000 | 1,408 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4838% | 2,294 |
| Cost of funding earning assets | 0.7685% | 1,489 |
| Net interest margin | 3.7154% | 2,970 |
| Noninterest income to average assets | 0.9191% | 1,696 |
| Noninterest expense to average assets | 2.8182% | 3,599 |
| Loan and lease loss provision to assets | 0.3225% | 1,036 |
| Net operating income to assets | 0.9780% | 2,476 |
| Return on assets (ROA) | 0.9834% | 2,550 |
| Pretax return on assets | 1.1464% | 2,910 |
| Return on Equity (ROE) | 10.6250% | 1,950 |
| Retained earnings to average equity (ytd only) | 3.1404% | 4,432 |
| Net charge-offs to loans | 0.3399% | 1,847 |
| Credit loss provision to net charge-offs | 133.9947% | 1,759 |
| Earnings coverage of net charge-offs (x) | 6.0767% | 3,046 |
| Efficiency ratio | 65.1718% | 4,621 |
| Assets per employee ($millions) | 2.8481% | 6,081 |
| Cash dividends to net income (ytd only)* | 70.4436% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 5,756 |
| Loan loss allowance to noncurrent loans | 98.7346% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.3215% | 3,000 |
| Noncurrent loans to loans | 1.0073% | 3,792 |
| Net loans and leases to total assets | 74.0216% | 1,287 |
| Net loans and leases to deposits | 92.5657% | 939 |
| Net loans and leases to core deposits | 93.5605% | 1,615 |
| Total domestic deposits to total assets | 79.9665% | 5,519 |
| Equity capital to assets | 9.7413% | 4,251 |
| Core capital (leverage) ratio | 9.5535% | 4,329 |
| Tier 1 risk-based capital ratio | 13.1732% | 4,997 |
| Total risk-based capital ratio | 14.1814% | 5,112 |
| Memoranda: | ||
| Average total assets | $418,793,500 | 1,584 |
| Average earning assets | $378,922,750 | 1,603 |
| Average equity | $38,762,750 | 1,812 |
| Average total loans | $296,555,500 | 1,423 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 2,523 |
| Cost of funding earning assets | 0.7773% | 1,543 |
| Net interest margin | 3.6336% | 3,230 |
| Noninterest income to average assets | 0.7154% | 2,570 |
| Noninterest expense to average assets | 2.7588% | 3,821 |
| Loan and lease loss provision to assets | 0.3098% | 1,148 |
| Net operating income to assets | 0.7456% | 3,590 |
| Return on assets (ROA) | 0.7530% | 3,703 |
| Pretax return on assets | 0.9523% | 3,711 |
| Return on Equity (ROE) | 8.2712% | 2,955 |
| Retained earnings to average equity (ytd only) | 4.1356% | 3,655 |
| Net charge-offs to loans | 0.0669% | 3,752 |
| Credit loss provision to net charge-offs | 665.6566% | 445 |
| Earnings coverage of net charge-offs (x) | 26.9192% | 1,230 |
| Efficiency ratio | 68.0689% | 4,169 |
| Assets per employee ($millions) | 3.0374% | 5,790 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 5,427 |
| Loan loss allowance to noncurrent loans | 89.5588% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 1.4523% | 2,924 |
| Noncurrent loans to loans | 1.2325% | 3,494 |
| Net loans and leases to total assets | 70.8831% | 1,737 |
| Net loans and leases to deposits | 89.6643% | 1,181 |
| Net loans and leases to core deposits | 90.7047% | 1,841 |
| Total domestic deposits to total assets | 79.0539% | 5,795 |
| Equity capital to assets | 9.4013% | 4,718 |
| Core capital (leverage) ratio | 9.2980% | 4,538 |
| Tier 1 risk-based capital ratio | 13.2548% | 4,956 |
| Total risk-based capital ratio | 14.3757% | 4,991 |
| Memoranda: | ||
| Average total assets | $425,482,330 | 1,566 |
| Average earning assets | $385,950,000 | 1,573 |
| Average equity | $38,736,670 | 1,812 |
| Average total loans | $296,037,670 | 1,428 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3823% | 2,585 |
| Cost of funding earning assets | 0.7810% | 1,639 |
| Net interest margin | 3.6013% | 3,262 |
| Noninterest income to average assets | 0.6866% | 2,667 |
| Noninterest expense to average assets | 2.7576% | 3,843 |
| Loan and lease loss provision to assets | 0.2956% | 1,182 |
| Net operating income to assets | 0.7314% | 3,533 |
| Return on assets (ROA) | 0.7404% | 3,607 |
| Pretax return on assets | 0.9173% | 3,699 |
| Return on Equity (ROE) | 8.2611% | 2,838 |
| Retained earnings to average equity (ytd only) | 4.0530% | 3,798 |
| Net charge-offs to loans | 0.0716% | 3,124 |
| Credit loss provision to net charge-offs | 601.8868% | 448 |
| Earnings coverage of net charge-offs (x) | 24.4717% | 1,081 |
| Efficiency ratio | 68.9445% | 4,154 |
| Assets per employee ($millions) | 3.0690% | 5,874 |
| Cash dividends to net income (ytd only)* | 50.9387% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 5,965 |
| Loan loss allowance to noncurrent loans | 71.4389% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 1.4037% | 3,168 |
| Noncurrent loans to loans | 1.4085% | 3,453 |
| Net loans and leases to total assets | 68.5865% | 1,907 |
| Net loans and leases to deposits | 86.7734% | 1,270 |
| Net loans and leases to core deposits | 87.9577% | 1,912 |
| Total domestic deposits to total assets | 79.0409% | 5,953 |
| Equity capital to assets | 9.1061% | 5,362 |
| Core capital (leverage) ratio | 8.8894% | 5,071 |
| Tier 1 risk-based capital ratio | 13.0166% | 5,204 |
| Total risk-based capital ratio | 14.0307% | 5,319 |
| Memoranda: | ||
| Average total assets | $431,683,500 | 1,560 |
| Average earning assets | $392,306,000 | 1,562 |
| Average equity | $38,687,500 | 1,837 |
| Average total loans | $296,020,500 | 1,433 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6910% | 2,635 |
| Cost of funding earning assets | 0.9182% | 1,829 |
| Net interest margin | 3.7728% | 3,349 |
| Noninterest income to average assets | 0.6622% | 2,923 |
| Noninterest expense to average assets | 2.6867% | 4,448 |
| Loan and lease loss provision to assets | 0.2607% | 2,560 |
| Net operating income to assets | 0.8718% | 2,952 |
| Return on assets (ROA) | 0.8765% | 3,168 |
| Pretax return on assets | 1.1446% | 3,004 |
| Return on Equity (ROE) | 9.8285% | 2,243 |
| Retained earnings to average equity (ytd only) | 0.7283% | 5,505 |
| Net charge-offs to loans | 0.4703% | 2,356 |
| Credit loss provision to net charge-offs | 84.1163% | 3,693 |
| Earnings coverage of net charge-offs (x) | 4.5145% | 3,343 |
| Efficiency ratio | 65.0809% | 4,688 |
| Assets per employee ($millions) | 3.2595% | 5,495 |
| Cash dividends to net income (ytd only)* | 92.5897% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9134% | 6,235 |
| Loan loss allowance to noncurrent loans | 80.9809% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.1800% | 3,688 |
| Noncurrent loans to loans | 1.1279% | 3,958 |
| Net loans and leases to total assets | 67.2600% | 2,325 |
| Net loans and leases to deposits | 83.5333% | 1,809 |
| Net loans and leases to core deposits | 85.2045% | 2,405 |
| Total domestic deposits to total assets | 80.5188% | 5,540 |
| Equity capital to assets | 8.8213% | 5,725 |
| Core capital (leverage) ratio | 8.4673% | 5,663 |
| Tier 1 risk-based capital ratio | 12.7926% | 5,258 |
| Total risk-based capital ratio | 13.7105% | 5,457 |
| Memoranda: | ||
| Average total assets | $432,647,400 | 1,524 |
| Average earning assets | $392,622,800 | 1,531 |
| Average equity | $38,581,600 | 1,803 |
| Average total loans | $285,137,400 | 1,467 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7103% | 2,769 |
| Cost of funding earning assets | 0.9483% | 1,859 |
| Net interest margin | 3.7621% | 3,499 |
| Noninterest income to average assets | 0.6435% | 3,024 |
| Noninterest expense to average assets | 2.6464% | 4,582 |
| Loan and lease loss provision to assets | 0.2376% | 2,674 |
| Net operating income to assets | 0.9048% | 2,964 |
| Return on assets (ROA) | 0.9110% | 3,157 |
| Pretax return on assets | 1.1782% | 3,069 |
| Return on Equity (ROE) | 10.1877% | 2,260 |
| Retained earnings to average equity (ytd only) | 1.1055% | 5,726 |
| Net charge-offs to loans | 0.4331% | 2,366 |
| Credit loss provision to net charge-offs | 83.8604% | 3,502 |
| Earnings coverage of net charge-offs (x) | 4.9695% | 3,148 |
| Efficiency ratio | 64.5992% | 4,696 |
| Assets per employee ($millions) | 3.2139% | 5,608 |
| Cash dividends to net income (ytd only)* | 89.1490% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 6,194 |
| Loan loss allowance to noncurrent loans | 69.0144% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 1.3003% | 3,696 |
| Noncurrent loans to loans | 1.4033% | 3,694 |
| Net loans and leases to total assets | 61.6961% | 3,445 |
| Net loans and leases to deposits | 76.3037% | 2,937 |
| Net loans and leases to core deposits | 77.8544% | 3,480 |
| Total domestic deposits to total assets | 80.8560% | 5,408 |
| Equity capital to assets | 8.4027% | 6,350 |
| Core capital (leverage) ratio | 8.9213% | 5,164 |
| Tier 1 risk-based capital ratio | 13.0192% | 5,228 |
| Total risk-based capital ratio | 13.9748% | 5,420 |
| Memoranda: | ||
| Average total assets | $431,615,750 | 1,543 |
| Average earning assets | $391,299,500 | 1,549 |
| Average equity | $38,594,750 | 1,819 |
| Average total loans | $282,301,250 | 1,493 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8671% | 2,244 |
| Cost of funding earning assets | 0.9921% | 1,814 |
| Net interest margin | 3.8749% | 3,017 |
| Noninterest income to average assets | 0.6593% | 2,898 |
| Noninterest expense to average assets | 2.6276% | 4,687 |
| Loan and lease loss provision to assets | 0.2373% | 2,701 |
| Net operating income to assets | 1.0231% | 2,369 |
| Return on assets (ROA) | 1.0287% | 2,567 |
| Pretax return on assets | 1.3105% | 2,521 |
| Return on Equity (ROE) | 11.2577% | 1,897 |
| Retained earnings to average equity (ytd only) | 2.0992% | 5,150 |
| Net charge-offs to loans | 0.5503% | 1,943 |
| Credit loss provision to net charge-offs | 64.8124% | 3,695 |
| Earnings coverage of net charge-offs (x) | 4.2083% | 3,147 |
| Efficiency ratio | 62.3566% | 5,190 |
| Assets per employee ($millions) | 2.8962% | 6,244 |
| Cash dividends to net income (ytd only)* | 81.3536% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 6,335 |
| Loan loss allowance to noncurrent loans | 65.1661% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.4303% | 3,568 |
| Noncurrent loans to loans | 1.4544% | 3,730 |
| Net loans and leases to total assets | 65.4715% | 2,777 |
| Net loans and leases to deposits | 82.0532% | 2,104 |
| Net loans and leases to core deposits | 84.4999% | 2,626 |
| Total domestic deposits to total assets | 79.7915% | 5,797 |
| Equity capital to assets | 9.1625% | 5,506 |
| Core capital (leverage) ratio | 8.9280% | 5,014 |
| Tier 1 risk-based capital ratio | 13.0650% | 5,140 |
| Total risk-based capital ratio | 13.9799% | 5,366 |
| Memoranda: | ||
| Average total assets | $422,291,000 | 1,572 |
| Average earning assets | $382,406,670 | 1,582 |
| Average equity | $38,587,000 | 1,807 |
| Average total loans | $280,961,000 | 1,497 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8936% | 2,265 |
| Cost of funding earning assets | 1.0130% | 1,901 |
| Net interest margin | 3.8806% | 3,004 |
| Noninterest income to average assets | 0.7327% | 2,483 |
| Noninterest expense to average assets | 2.7260% | 4,328 |
| Loan and lease loss provision to assets | 0.3156% | 1,984 |
| Net operating income to assets | 1.0065% | 2,458 |
| Return on assets (ROA) | 1.0151% | 2,609 |
| Pretax return on assets | 1.2199% | 2,838 |
| Return on Equity (ROE) | 11.1247% | 1,970 |
| Retained earnings to average equity (ytd only) | 4.1341% | 4,114 |
| Net charge-offs to loans | 0.4913% | 1,860 |
| Credit loss provision to net charge-offs | 96.2428% | 2,434 |
| Earnings coverage of net charge-offs (x) | 4.6503% | 2,533 |
| Efficiency ratio | 63.4560% | 5,027 |
| Assets per employee ($millions) | 3.0684% | 6,023 |
| Cash dividends to net income (ytd only)* | 62.8385% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 6,108 |
| Loan loss allowance to noncurrent loans | 60.9260% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 1.5746% | 3,494 |
| Noncurrent loans to loans | 1.7111% | 3,546 |
| Net loans and leases to total assets | 64.2590% | 2,808 |
| Net loans and leases to deposits | 80.6115% | 2,123 |
| Net loans and leases to core deposits | 83.0724% | 2,675 |
| Total domestic deposits to total assets | 79.7144% | 5,919 |
| Equity capital to assets | 8.9915% | 5,507 |
| Core capital (leverage) ratio | 8.9566% | 4,907 |
| Tier 1 risk-based capital ratio | 12.8319% | 5,341 |
| Total risk-based capital ratio | 13.8188% | 5,514 |
| Memoranda: | ||
| Average total assets | $422,015,500 | 1,578 |
| Average earning assets | $382,620,000 | 1,585 |
| Average equity | $38,509,000 | 1,803 |
| Average total loans | $281,696,500 | 1,505 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3179% | 1,650 |
| Cost of funding earning assets | 1.1741% | 2,197 |
| Net interest margin | 4.1438% | 2,249 |
| Noninterest income to average assets | 0.7273% | 2,463 |
| Noninterest expense to average assets | 2.6921% | 4,769 |
| Loan and lease loss provision to assets | 0.4684% | 2,260 |
| Net operating income to assets | 0.9905% | 2,234 |
| Return on assets (ROA) | 1.0657% | 2,079 |
| Pretax return on assets | 1.4051% | 1,774 |
| Return on Equity (ROE) | 11.7347% | 1,483 |
| Retained earnings to average equity (ytd only) | 0.0760% | 5,801 |
| Net charge-offs to loans | 0.6394% | 2,542 |
| Credit loss provision to net charge-offs | 110.1904% | 3,035 |
| Earnings coverage of net charge-offs (x) | 4.1747% | 3,235 |
| Efficiency ratio | 59.6387% | 5,813 |
| Assets per employee ($millions) | 3.1162% | 5,869 |
| Cash dividends to net income (ytd only)* | 99.3524% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 6,089 |
| Loan loss allowance to noncurrent loans | 59.1176% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.6858% | 3,423 |
| Noncurrent loans to loans | 1.7371% | 3,564 |
| Net loans and leases to total assets | 67.9260% | 2,409 |
| Net loans and leases to deposits | 85.2613% | 1,769 |
| Net loans and leases to core deposits | 88.5335% | 2,316 |
| Total domestic deposits to total assets | 79.6680% | 5,825 |
| Equity capital to assets | 9.2634% | 5,196 |
| Core capital (leverage) ratio | 9.0143% | 4,759 |
| Tier 1 risk-based capital ratio | 12.4250% | 5,514 |
| Total risk-based capital ratio | 13.3955% | 5,707 |
| Memoranda: | ||
| Average total assets | $420,192,200 | 1,549 |
| Average earning assets | $379,170,200 | 1,564 |
| Average equity | $38,160,200 | 1,767 |
| Average total loans | $279,309,600 | 1,522 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3617% | 1,644 |
| Cost of funding earning assets | 1.2018% | 2,306 |
| Net interest margin | 4.1598% | 2,242 |
| Noninterest income to average assets | 0.7504% | 2,310 |
| Noninterest expense to average assets | 2.7591% | 4,500 |
| Loan and lease loss provision to assets | 0.4883% | 2,034 |
| Net operating income to assets | 0.9514% | 2,525 |
| Return on assets (ROA) | 1.0492% | 2,288 |
| Pretax return on assets | 1.3816% | 1,995 |
| Return on Equity (ROE) | 11.6107% | 1,645 |
| Retained earnings to average equity (ytd only) | 0.0840% | 5,929 |
| Net charge-offs to loans | 0.5860% | 2,499 |
| Credit loss provision to net charge-offs | 126.3502% | 2,536 |
| Earnings coverage of net charge-offs (x) | 4.5057% | 3,048 |
| Efficiency ratio | 60.6844% | 5,610 |
| Assets per employee ($millions) | 3.0379% | 6,035 |
| Cash dividends to net income (ytd only)* | 99.2767% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0975% | 5,901 |
| Loan loss allowance to noncurrent loans | 71.8207% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.5675% | 3,744 |
| Noncurrent loans to loans | 1.5281% | 3,988 |
| Net loans and leases to total assets | 66.7682% | 2,724 |
| Net loans and leases to deposits | 84.9195% | 1,853 |
| Net loans and leases to core deposits | 88.2420% | 2,456 |
| Total domestic deposits to total assets | 78.6252% | 6,065 |
| Equity capital to assets | 9.2917% | 5,397 |
| Core capital (leverage) ratio | 9.0336% | 4,875 |
| Tier 1 risk-based capital ratio | 12.5906% | 5,412 |
| Total risk-based capital ratio | 13.6221% | 5,592 |
| Memoranda: | ||
| Average total assets | $421,625,250 | 1,555 |
| Average earning assets | $380,072,500 | 1,570 |
| Average equity | $38,102,000 | 1,771 |
| Average total loans | $278,025,250 | 1,541 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3577% | 1,699 |
| Cost of funding earning assets | 1.2294% | 2,385 |
| Net interest margin | 4.1283% | 2,308 |
| Noninterest income to average assets | 0.7256% | 2,401 |
| Noninterest expense to average assets | 2.7730% | 4,534 |
| Loan and lease loss provision to assets | 0.5381% | 1,812 |
| Net operating income to assets | 0.8782% | 2,743 |
| Return on assets (ROA) | 1.0183% | 2,239 |
| Pretax return on assets | 1.3109% | 2,104 |
| Return on Equity (ROE) | 11.3718% | 1,681 |
| Retained earnings to average equity (ytd only) | -0.3052% | 5,910 |
| Net charge-offs to loans | 0.7914% | 1,923 |
| Credit loss provision to net charge-offs | 103.9126% | 2,975 |
| Earnings coverage of net charge-offs (x) | 3.2238% | 3,259 |
| Efficiency ratio | 61.7840% | 5,617 |
| Assets per employee ($millions) | 3.0512% | 5,975 |
| Cash dividends to net income (ytd only)* | 102.6839% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 6,317 |
| Loan loss allowance to noncurrent loans | 65.9711% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 1.5292% | 3,911 |
| Noncurrent loans to loans | 1.5205% | 4,144 |
| Net loans and leases to total assets | 65.6811% | 3,098 |
| Net loans and leases to deposits | 84.1338% | 2,087 |
| Net loans and leases to core deposits | 87.4771% | 2,707 |
| Total domestic deposits to total assets | 78.0675% | 6,277 |
| Equity capital to assets | 9.1433% | 5,368 |
| Core capital (leverage) ratio | 8.7313% | 5,174 |
| Tier 1 risk-based capital ratio | 12.5137% | 5,332 |
| Total risk-based capital ratio | 13.4484% | 5,600 |
| Memoranda: | ||
| Average total assets | $424,448,670 | 1,559 |
| Average earning assets | $382,142,000 | 1,573 |
| Average equity | $38,006,330 | 1,763 |
| Average total loans | $277,728,000 | 1,560 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2587% | 2,011 |
| Cost of funding earning assets | 1.2466% | 2,529 |
| Net interest margin | 4.0122% | 2,634 |
| Noninterest income to average assets | 0.6491% | 2,856 |
| Noninterest expense to average assets | 2.7545% | 4,629 |
| Loan and lease loss provision to assets | 0.6061% | 1,417 |
| Net operating income to assets | 0.7188% | 3,436 |
| Return on assets (ROA) | 0.9998% | 2,230 |
| Pretax return on assets | 1.2299% | 2,268 |
| Return on Equity (ROE) | 11.2825% | 1,651 |
| Retained earnings to average equity (ytd only) | -0.6438% | 5,918 |
| Net charge-offs to loans | 1.2464% | 1,115 |
| Credit loss provision to net charge-offs | 74.8268% | 3,264 |
| Earnings coverage of net charge-offs (x) | 1.8383% | 3,383 |
| Efficiency ratio | 64.2495% | 5,322 |
| Assets per employee ($millions) | 3.0422% | 6,071 |
| Cash dividends to net income (ytd only)* | 105.7063% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9099% | 6,673 |
| Loan loss allowance to noncurrent loans | 51.8724% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 1.5961% | 3,855 |
| Noncurrent loans to loans | 1.7540% | 3,883 |
| Net loans and leases to total assets | 63.5556% | 3,529 |
| Net loans and leases to deposits | 82.5334% | 2,268 |
| Net loans and leases to core deposits | 85.7249% | 2,916 |
| Total domestic deposits to total assets | 77.0059% | 6,540 |
| Equity capital to assets | 8.7597% | 5,559 |
| Core capital (leverage) ratio | 8.7757% | 4,960 |
| Tier 1 risk-based capital ratio | 12.4435% | 5,314 |
| Total risk-based capital ratio | 13.2867% | 5,650 |
| Memoranda: | ||
| Average total assets | $427,668,500 | 1,552 |
| Average earning assets | $383,134,000 | 1,580 |
| Average equity | $37,899,500 | 1,756 |
| Average total loans | $277,924,500 | 1,574 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4621% | 2,429 |
| Cost of funding earning assets | 1.5713% | 2,236 |
| Net interest margin | 3.8908% | 3,534 |
| Noninterest income to average assets | 0.7125% | 2,769 |
| Noninterest expense to average assets | 2.7424% | 4,807 |
| Loan and lease loss provision to assets | 0.4096% | 3,651 |
| Net operating income to assets | 0.8626% | 2,542 |
| Return on assets (ROA) | 0.8753% | 2,622 |
| Pretax return on assets | 1.0519% | 2,769 |
| Return on Equity (ROE) | 10.0979% | 1,887 |
| Retained earnings to average equity (ytd only) | 1.8838% | 4,543 |
| Net charge-offs to loans | 0.5460% | 3,425 |
| Credit loss provision to net charge-offs | 123.7900% | 3,340 |
| Earnings coverage of net charge-offs (x) | 4.3708% | 2,949 |
| Efficiency ratio | 64.8646% | 5,190 |
| Assets per employee ($millions) | 2.8996% | 6,326 |
| Cash dividends to net income (ytd only)* | 81.3450% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9825% | 6,450 |
| Loan loss allowance to noncurrent loans | 60.1846% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.5266% | 4,028 |
| Noncurrent loans to loans | 1.6325% | 4,053 |
| Net loans and leases to total assets | 65.2031% | 3,622 |
| Net loans and leases to deposits | 84.3574% | 2,398 |
| Net loans and leases to core deposits | 87.3681% | 3,139 |
| Total domestic deposits to total assets | 77.2939% | 6,434 |
| Equity capital to assets | 8.9661% | 5,192 |
| Core capital (leverage) ratio | 8.5806% | 5,225 |
| Tier 1 risk-based capital ratio | 12.4153% | 5,096 |
| Total risk-based capital ratio | 13.3284% | 5,385 |
| Memoranda: | ||
| Average total assets | $443,374,000 | 1,499 |
| Average earning assets | $396,113,000 | 1,532 |
| Average equity | $38,433,800 | 1,719 |
| Average total loans | $268,686,800 | 1,658 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4828% | 2,505 |
| Cost of funding earning assets | 1.6414% | 2,155 |
| Net interest margin | 3.8415% | 3,791 |
| Noninterest income to average assets | 0.7178% | 2,719 |
| Noninterest expense to average assets | 2.7583% | 4,649 |
| Loan and lease loss provision to assets | 0.3125% | 4,080 |
| Net operating income to assets | 0.8832% | 2,682 |
| Return on assets (ROA) | 0.9037% | 2,741 |
| Pretax return on assets | 1.0901% | 2,856 |
| Return on Equity (ROE) | 10.5100% | 1,929 |
| Retained earnings to average equity (ytd only) | 2.7460% | 4,509 |
| Net charge-offs to loans | 0.3436% | 3,932 |
| Credit loss provision to net charge-offs | 153.2070% | 2,521 |
| Earnings coverage of net charge-offs (x) | 6.7551% | 2,457 |
| Efficiency ratio | 66.0820% | 4,839 |
| Assets per employee ($millions) | 3.0197% | 6,110 |
| Cash dividends to net income (ytd only)* | 73.8730% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 6,426 |
| Loan loss allowance to noncurrent loans | 51.2463% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 1.6033% | 4,045 |
| Noncurrent loans to loans | 1.9372% | 3,763 |
| Net loans and leases to total assets | 61.8966% | 4,554 |
| Net loans and leases to deposits | 80.4497% | 3,365 |
| Net loans and leases to core deposits | 84.0587% | 3,922 |
| Total domestic deposits to total assets | 76.9382% | 6,491 |
| Equity capital to assets | 8.7967% | 5,863 |
| Core capital (leverage) ratio | 8.3885% | 5,719 |
| Tier 1 risk-based capital ratio | 12.5068% | 4,977 |
| Total risk-based capital ratio | 13.4301% | 5,260 |
| Memoranda: | ||
| Average total assets | $448,380,500 | 1,508 |
| Average earning assets | $399,005,500 | 1,541 |
| Average equity | $38,552,750 | 1,728 |
| Average total loans | $266,164,750 | 1,684 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5492% | 2,332 |
| Cost of funding earning assets | 1.7108% | 2,067 |
| Net interest margin | 3.8384% | 3,721 |
| Noninterest income to average assets | 0.7264% | 2,540 |
| Noninterest expense to average assets | 2.6919% | 4,940 |
| Loan and lease loss provision to assets | 0.3245% | 3,799 |
| Net operating income to assets | 0.8857% | 2,601 |
| Return on assets (ROA) | 0.8976% | 2,683 |
| Pretax return on assets | 1.1101% | 2,753 |
| Return on Equity (ROE) | 10.5190% | 1,921 |
| Retained earnings to average equity (ytd only) | 4.6369% | 3,120 |
| Net charge-offs to loans | 0.2980% | 3,832 |
| Credit loss provision to net charge-offs | 186.7008% | 2,114 |
| Earnings coverage of net charge-offs (x) | 8.1688% | 2,179 |
| Efficiency ratio | 64.8827% | 5,173 |
| Assets per employee ($millions) | 3.2620% | 5,527 |
| Cash dividends to net income (ytd only)* | 55.9188% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 6,334 |
| Loan loss allowance to noncurrent loans | 43.2762% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 1.6881% | 3,910 |
| Noncurrent loans to loans | 2.3450% | 3,322 |
| Net loans and leases to total assets | 58.7068% | 5,300 |
| Net loans and leases to deposits | 77.1627% | 4,134 |
| Net loans and leases to core deposits | 80.8996% | 4,564 |
| Total domestic deposits to total assets | 76.0819% | 6,676 |
| Equity capital to assets | 8.6148% | 5,989 |
| Core capital (leverage) ratio | 8.2864% | 5,796 |
| Tier 1 risk-based capital ratio | 12.7853% | 4,617 |
| Total risk-based capital ratio | 13.7189% | 4,870 |
| Memoranda: | ||
| Average total assets | $449,875,670 | 1,519 |
| Average earning assets | $396,778,670 | 1,562 |
| Average equity | $38,387,670 | 1,734 |
| Average total loans | $262,382,670 | 1,735 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7008% | 1,780 |
| Cost of funding earning assets | 1.8023% | 1,863 |
| Net interest margin | 3.8985% | 3,331 |
| Noninterest income to average assets | 0.6927% | 2,647 |
| Noninterest expense to average assets | 2.6726% | 5,045 |
| Loan and lease loss provision to assets | 0.3214% | 3,491 |
| Net operating income to assets | 0.8649% | 2,693 |
| Return on assets (ROA) | 0.8810% | 2,704 |
| Pretax return on assets | 1.0801% | 2,800 |
| Return on Equity (ROE) | 10.3755% | 1,993 |
| Retained earnings to average equity (ytd only) | 5.6345% | 2,792 |
| Net charge-offs to loans | 0.3442% | 3,032 |
| Credit loss provision to net charge-offs | 161.4350% | 2,236 |
| Earnings coverage of net charge-offs (x) | 6.9417% | 2,147 |
| Efficiency ratio | 65.3457% | 5,246 |
| Assets per employee ($millions) | 3.3171% | 5,504 |
| Cash dividends to net income (ytd only)* | 45.6940% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 6,599 |
| Loan loss allowance to noncurrent loans | 37.5930% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 1.8135% | 3,765 |
| Noncurrent loans to loans | 2.5804% | 3,091 |
| Net loans and leases to total assets | 57.1861% | 5,570 |
| Net loans and leases to deposits | 74.4600% | 4,675 |
| Net loans and leases to core deposits | 77.9793% | 5,022 |
| Total domestic deposits to total assets | 76.8011% | 6,594 |
| Equity capital to assets | 8.5689% | 5,913 |
| Core capital (leverage) ratio | 8.3520% | 5,639 |
| Tier 1 risk-based capital ratio | 12.9710% | 4,352 |
| Total risk-based capital ratio | 13.8569% | 4,600 |
| Memoranda: | ||
| Average total assets | $448,104,000 | 1,560 |
| Average earning assets | $386,404,000 | 1,642 |
| Average equity | $38,051,000 | 1,771 |
| Average total loans | $259,115,500 | 1,810 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8910% | 2,277 |
| Cost of funding earning assets | 1.9729% | 3,090 |
| Net interest margin | 3.9182% | 3,199 |
| Noninterest income to average assets | 0.7019% | 2,960 |
| Noninterest expense to average assets | 2.7254% | 5,273 |
| Loan and lease loss provision to assets | 0.2960% | 5,063 |
| Net operating income to assets | 0.8944% | 2,196 |
| Return on assets (ROA) | 0.9257% | 2,154 |
| Pretax return on assets | 1.1862% | 1,993 |
| Return on Equity (ROE) | 10.9459% | 1,441 |
| Retained earnings to average equity (ytd only) | 0.1928% | 4,795 |
| Net charge-offs to loans | 0.6975% | 3,093 |
| Credit loss provision to net charge-offs | 77.7126% | 6,346 |
| Earnings coverage of net charge-offs (x) | 3.7859% | 3,199 |
| Efficiency ratio | 64.7601% | 5,633 |
| Assets per employee ($millions) | 3.2727% | 5,556 |
| Cash dividends to net income (ytd only)* | 98.2384% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9273% | 6,716 |
| Loan loss allowance to noncurrent loans | 37.3613% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 1.7468% | 3,748 |
| Noncurrent loans to loans | 2.4821% | 3,062 |
| Net loans and leases to total assets | 57.3675% | 5,765 |
| Net loans and leases to deposits | 73.8029% | 5,074 |
| Net loans and leases to core deposits | 86.7487% | 5,448 |
| Total domestic deposits to total assets | 77.7307% | 6,292 |
| Equity capital to assets | 8.4132% | 6,040 |
| Core capital (leverage) ratio | 8.0691% | 6,051 |
| Tier 1 risk-based capital ratio | 12.7086% | 4,357 |
| Total risk-based capital ratio | 13.5419% | 4,657 |
| Memoranda: | ||
| Average total assets | $447,648,800 | 1,549 |
| Average earning assets | $395,923,200 | 1,603 |
| Average equity | $37,858,800 | 1,766 |
| Average total loans | $244,442,600 | 1,925 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9359% | 2,293 |
| Cost of funding earning assets | 1.9991% | 3,363 |
| Net interest margin | 3.9368% | 3,090 |
| Noninterest income to average assets | 0.7153% | 2,916 |
| Noninterest expense to average assets | 2.7125% | 5,264 |
| Loan and lease loss provision to assets | 0.2962% | 4,600 |
| Net operating income to assets | 0.9134% | 2,375 |
| Return on assets (ROA) | 0.9250% | 2,399 |
| Pretax return on assets | 1.1900% | 2,298 |
| Return on Equity (ROE) | 10.9229% | 1,644 |
| Retained earnings to average equity (ytd only) | 5.5352% | 2,184 |
| Net charge-offs to loans | 0.4645% | 3,363 |
| Credit loss provision to net charge-offs | 118.5714% | 4,274 |
| Earnings coverage of net charge-offs (x) | 5.8893% | 2,710 |
| Efficiency ratio | 64.1644% | 5,720 |
| Assets per employee ($millions) | 3.1935% | 5,663 |
| Cash dividends to net income (ytd only)* | 49.3247% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 5,197 |
| Loan loss allowance to noncurrent loans | 40.3141% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 1.8551% | 3,577 |
| Noncurrent loans to loans | 2.9380% | 2,591 |
| Net loans and leases to total assets | 54.6003% | 6,315 |
| Net loans and leases to deposits | 71.3731% | 5,755 |
| Net loans and leases to core deposits | 83.7533% | 6,059 |
| Total domestic deposits to total assets | 76.4997% | 6,476 |
| Equity capital to assets | 8.8234% | 5,750 |
| Core capital (leverage) ratio | 8.4600% | 5,564 |
| Tier 1 risk-based capital ratio | 13.7737% | 3,675 |
| Total risk-based capital ratio | 14.8363% | 3,724 |
| Memoranda: | ||
| Average total assets | $448,289,000 | 1,559 |
| Average earning assets | $394,966,750 | 1,622 |
| Average equity | $37,962,000 | 1,792 |
| Average total loans | $241,121,750 | 1,962 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9240% | 2,482 |
| Cost of funding earning assets | 2.0012% | 3,773 |
| Net interest margin | 3.9228% | 3,008 |
| Noninterest income to average assets | 0.6954% | 3,016 |
| Noninterest expense to average assets | 2.7066% | 5,361 |
| Loan and lease loss provision to assets | 0.2933% | 4,220 |
| Net operating income to assets | 0.9143% | 2,400 |
| Return on assets (ROA) | 0.9289% | 2,438 |
| Pretax return on assets | 1.1884% | 2,334 |
| Return on Equity (ROE) | 11.1247% | 1,667 |
| Retained earnings to average equity (ytd only) | 5.3595% | 2,315 |
| Net charge-offs to loans | 0.1146% | 5,009 |
| Credit loss provision to net charge-offs | 480.2920% | 966 |
| Earnings coverage of net charge-offs (x) | 23.9562% | 1,171 |
| Efficiency ratio | 64.1864% | 5,878 |
| Assets per employee ($millions) | 3.1705% | 5,660 |
| Cash dividends to net income (ytd only)* | 51.8234% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 3,917 |
| Loan loss allowance to noncurrent loans | 39.5743% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 2.0234% | 3,168 |
| Noncurrent loans to loans | 3.4453% | 2,045 |
| Net loans and leases to total assets | 52.5123% | 6,620 |
| Net loans and leases to deposits | 68.3059% | 6,151 |
| Net loans and leases to core deposits | 79.9221% | 6,413 |
| Total domestic deposits to total assets | 76.8781% | 6,356 |
| Equity capital to assets | 8.2868% | 6,353 |
| Core capital (leverage) ratio | 8.2606% | 5,867 |
| Tier 1 risk-based capital ratio | 13.7228% | 3,677 |
| Total risk-based capital ratio | 14.9322% | 3,633 |
| Memoranda: | ||
| Average total assets | $448,687,670 | 1,575 |
| Average earning assets | $397,366,670 | 1,636 |
| Average equity | $37,466,330 | 1,817 |
| Average total loans | $239,149,000 | 2,010 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9088% | 2,756 |
| Cost of funding earning assets | 2.0099% | 4,078 |
| Net interest margin | 3.8989% | 3,043 |
| Noninterest income to average assets | 0.7026% | 2,874 |
| Noninterest expense to average assets | 2.5801% | 5,532 |
| Loan and lease loss provision to assets | 0.2913% | 3,626 |
| Net operating income to assets | 1.0057% | 2,287 |
| Return on assets (ROA) | 1.0091% | 2,414 |
| Pretax return on assets | 1.3317% | 2,171 |
| Return on Equity (ROE) | 12.0383% | 1,647 |
| Retained earnings to average equity (ytd only) | 6.5430% | 2,403 |
| Net charge-offs to loans | 0.1580% | 3,700 |
| Credit loss provision to net charge-offs | 345.7447% | 1,456 |
| Earnings coverage of net charge-offs (x) | 19.2128% | 1,429 |
| Efficiency ratio | 60.6403% | 6,303 |
| Assets per employee ($millions) | 3.0329% | 6,064 |
| Cash dividends to net income (ytd only)* | 45.6483% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 4,304 |
| Loan loss allowance to noncurrent loans | 33.6134% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 2.2183% | 2,577 |
| Noncurrent loans to loans | 3.7659% | 1,640 |
| Net loans and leases to total assets | 52.5022% | 6,630 |
| Net loans and leases to deposits | 67.2645% | 6,247 |
| Net loans and leases to core deposits | 77.4635% | 6,578 |
| Total domestic deposits to total assets | 78.0533% | 5,996 |
| Equity capital to assets | 8.4652% | 6,126 |
| Core capital (leverage) ratio | 8.2571% | 5,982 |
| Tier 1 risk-based capital ratio | 13.4190% | 3,918 |
| Total risk-based capital ratio | 14.5208% | 3,928 |
| Memoranda: | ||
| Average total assets | $446,339,000 | 1,591 |
| Average earning assets | $400,220,000 | 1,633 |
| Average equity | $37,414,000 | 1,824 |
| Average total loans | $238,036,500 | 2,039 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3922% | 3,462 |
| Cost of funding earning assets | 2.4890% | 4,261 |
| Net interest margin | 3.9032% | 3,545 |
| Noninterest income to average assets | 0.6998% | 3,122 |
| Noninterest expense to average assets | 2.4784% | 6,091 |
| Loan and lease loss provision to assets | 0.2672% | 4,260 |
| Net operating income to assets | 1.1506% | 1,939 |
| Return on assets (ROA) | 1.1513% | 1,863 |
| Pretax return on assets | 1.4821% | 1,735 |
| Return on Equity (ROE) | 14.3122% | 1,047 |
| Retained earnings to average equity (ytd only) | 6.9463% | 1,168 |
| Net charge-offs to loans | 0.3660% | 3,002 |
| Credit loss provision to net charge-offs | 137.3410% | 3,876 |
| Earnings coverage of net charge-offs (x) | 8.9861% | 2,778 |
| Efficiency ratio | 58.4375% | 6,615 |
| Assets per employee ($millions) | 3.1468% | 5,631 |
| Cash dividends to net income (ytd only)* | 51.4654% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 4,853 |
| Loan loss allowance to noncurrent loans | 39.7360% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 1.7004% | 2,860 |
| Noncurrent loans to loans | 2.9167% | 1,846 |
| Net loans and leases to total assets | 52.8662% | 6,762 |
| Net loans and leases to deposits | 67.2881% | 6,526 |
| Net loans and leases to core deposits | 77.5842% | 6,766 |
| Total domestic deposits to total assets | 78.5670% | 5,524 |
| Equity capital to assets | 8.2998% | 6,425 |
| Core capital (leverage) ratio | 8.0825% | 6,351 |
| Tier 1 risk-based capital ratio | 13.2151% | 3,984 |
| Total risk-based capital ratio | 14.2348% | 4,035 |
| Memoranda: | ||
| Average total assets | $444,557,800 | 1,545 |
| Average earning assets | $401,726,400 | 1,552 |
| Average equity | $35,759,800 | 1,881 |
| Average total loans | $236,338,000 | 1,999 |