Home > Union Bank > Performance and Condition Ratios
Union 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 | 5.1313% | 1,791 |
| Cost of funding earning assets | 1.2942% | 2,537 |
| Net interest margin | 3.8371% | 1,494 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 2.4132% | 2,549 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.8842% | 538 |
| Return on assets (ROA) | 1.8850% | 523 |
| Pretax return on assets | 1.8850% | 790 |
| Return on Equity (ROE) | 23.9900% | 352 |
| Retained earnings to average equity (ytd only) | 6.5272% | 2,051 |
| Net charge-offs to loans | 0.0643% | 1,206 |
| Credit loss provision to net charge-offs | 217.8082% | 1,161 |
| Earnings coverage of net charge-offs (x) | 47.2808% | 1,327 |
| Efficiency ratio | 55.2828% | 3,570 |
| Assets per employee ($millions) | 6.5388% | 2,394 |
| Cash dividends to net income (ytd only)* | 72.7873% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5341% | 971 |
| Loan loss allowance to noncurrent loans | 482.6380% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 2,210 |
| Noncurrent loans to loans | 0.3179% | 2,047 |
| Net loans and leases to total assets | 62.8600% | 2,588 |
| Net loans and leases to deposits | 73.8504% | 2,627 |
| Net loans and leases to core deposits | 79.5401% | 2,731 |
| Total domestic deposits to total assets | 85.1100% | 2,279 |
| Equity capital to assets | 8.3995% | 3,121 |
| Core capital (leverage) ratio | 10.6036% | 2,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5593% | 727 |
| Memoranda: | ||
| Average total assets | $353,633,000 | 2,182 |
| Average earning assets | $336,425,200 | 2,142 |
| Average equity | $27,791,400 | 2,373 |
| Average total loans | $226,914,200 | 2,123 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0124% | 1,804 |
| Cost of funding earning assets | 1.1462% | 2,601 |
| Net interest margin | 3.8662% | 1,468 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.4361% | 2,419 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.8841% | 575 |
| Return on assets (ROA) | 1.8853% | 565 |
| Pretax return on assets | 1.8853% | 879 |
| Return on Equity (ROE) | 24.4300% | 410 |
| Retained earnings to average equity (ytd only) | 8.2955% | 1,865 |
| Net charge-offs to loans | 0.0503% | 1,173 |
| Credit loss provision to net charge-offs | 241.1765% | 1,009 |
| Earnings coverage of net charge-offs (x) | 60.3882% | 1,201 |
| Efficiency ratio | 55.5084% | 3,444 |
| Assets per employee ($millions) | 5.7238% | 2,993 |
| Cash dividends to net income (ytd only)* | 66.0412% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 1,032 |
| Loan loss allowance to noncurrent loans | 737.9958% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 2,662 |
| Noncurrent loans to loans | 0.2075% | 2,523 |
| Net loans and leases to total assets | 64.0400% | 2,445 |
| Net loans and leases to deposits | 74.6297% | 2,516 |
| Net loans and leases to core deposits | 80.1857% | 2,586 |
| Total domestic deposits to total assets | 85.8100% | 2,254 |
| Equity capital to assets | 7.4302% | 3,397 |
| Core capital (leverage) ratio | 10.7898% | 2,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5327% | 758 |
| Memoranda: | ||
| Average total assets | $350,497,500 | 2,196 |
| Average earning assets | $333,378,250 | 2,171 |
| Average equity | $27,050,000 | 2,399 |
| Average total loans | $225,204,750 | 2,130 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8750% | 1,825 |
| Cost of funding earning assets | 0.9716% | 2,694 |
| Net interest margin | 3.9034% | 1,424 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 2.4341% | 2,389 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.8176% | 635 |
| Return on assets (ROA) | 1.8193% | 634 |
| Pretax return on assets | 1.9133% | 845 |
| Return on Equity (ROE) | 23.2800% | 471 |
| Retained earnings to average equity (ytd only) | 6.0050% | 2,620 |
| Net charge-offs to loans | 0.0376% | 1,157 |
| Credit loss provision to net charge-offs | 276.1905% | 904 |
| Earnings coverage of net charge-offs (x) | 82.2619% | 1,034 |
| Efficiency ratio | 55.1473% | 3,519 |
| Assets per employee ($millions) | 5.8763% | 2,818 |
| Cash dividends to net income (ytd only)* | 74.2047% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 1,054 |
| Loan loss allowance to noncurrent loans | 591.3559% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 2,361 |
| Noncurrent loans to loans | 0.2612% | 2,223 |
| Net loans and leases to total assets | 64.1500% | 2,364 |
| Net loans and leases to deposits | 75.4824% | 2,365 |
| Net loans and leases to core deposits | 78.9797% | 2,542 |
| Total domestic deposits to total assets | 84.9800% | 2,545 |
| Equity capital to assets | 7.9426% | 3,252 |
| Core capital (leverage) ratio | 10.6817% | 2,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3671% | 778 |
| Memoranda: | ||
| Average total assets | $349,038,667 | 2,210 |
| Average earning assets | $332,017,333 | 2,180 |
| Average equity | $27,277,333 | 2,400 |
| Average total loans | $223,341,333 | 2,136 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7532% | 1,730 |
| Cost of funding earning assets | 0.7784% | 2,810 |
| Net interest margin | 3.9748% | 1,316 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.4066% | 2,511 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.8857% | 589 |
| Return on assets (ROA) | 1.8857% | 581 |
| Pretax return on assets | 1.9828% | 804 |
| Return on Equity (ROE) | 24.3300% | 439 |
| Retained earnings to average equity (ytd only) | 11.2570% | 1,410 |
| Net charge-offs to loans | -0.0162% | 4,037 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.9979% | 3,603 |
| Assets per employee ($millions) | 5.8295% | 2,911 |
| Cash dividends to net income (ytd only)* | 53.7250% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5625% | 1,087 |
| Loan loss allowance to noncurrent loans | 547.6415% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 2,238 |
| Noncurrent loans to loans | 0.2853% | 2,124 |
| Net loans and leases to total assets | 62.7300% | 2,383 |
| Net loans and leases to deposits | 73.3691% | 2,351 |
| Net loans and leases to core deposits | 75.7317% | 2,552 |
| Total domestic deposits to total assets | 85.5100% | 2,722 |
| Equity capital to assets | 8.1966% | 3,109 |
| Core capital (leverage) ratio | 10.6791% | 2,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9615% | 746 |
| Memoranda: | ||
| Average total assets | $350,208,500 | 2,234 |
| Average earning assets | $332,999,000 | 2,199 |
| Average equity | $27,147,500 | 2,427 |
| Average total loans | $222,068,000 | 2,158 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3945% | 891 |
| Cost of funding earning assets | 0.2051% | 3,713 |
| Net interest margin | 4.1894% | 549 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.2899% | 2,771 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 2.1666% | 225 |
| Return on assets (ROA) | 2.1655% | 217 |
| Pretax return on assets | 2.2827% | 272 |
| Return on Equity (ROE) | 26.6500% | 159 |
| Retained earnings to average equity (ytd only) | 11.9598% | 672 |
| Net charge-offs to loans | 0.0888% | 787 |
| Credit loss provision to net charge-offs | 235.2941% | 1,027 |
| Earnings coverage of net charge-offs (x) | 44.8503% | 1,435 |
| Efficiency ratio | 48.7190% | 4,206 |
| Assets per employee ($millions) | 5.8442% | 2,907 |
| Cash dividends to net income (ytd only)* | 55.1294% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5974% | 984 |
| Loan loss allowance to noncurrent loans | 608.2616% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.1657% | 2,386 |
| Noncurrent loans to loans | 0.2626% | 2,216 |
| Net loans and leases to total assets | 62.0800% | 2,430 |
| Net loans and leases to deposits | 70.5084% | 2,537 |
| Net loans and leases to core deposits | 72.4333% | 2,691 |
| Total domestic deposits to total assets | 88.0500% | 2,058 |
| Equity capital to assets | 7.3081% | 3,484 |
| Core capital (leverage) ratio | 10.5789% | 2,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6424% | 763 |
| Memoranda: | ||
| Average total assets | $347,961,400 | 2,234 |
| Average earning assets | $330,119,000 | 2,196 |
| Average equity | $28,269,600 | 2,418 |
| Average total loans | $210,653,400 | 2,163 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3007% | 735 |
| Cost of funding earning assets | 0.1822% | 3,491 |
| Net interest margin | 4.1185% | 497 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.3116% | 2,600 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 2.2497% | 201 |
| Return on assets (ROA) | 2.2482% | 199 |
| Pretax return on assets | 2.2482% | 296 |
| Return on Equity (ROE) | 26.9900% | 134 |
| Retained earnings to average equity (ytd only) | 15.6740% | 303 |
| Net charge-offs to loans | 0.0660% | 831 |
| Credit loss provision to net charge-offs | 174.7573% | 1,048 |
| Earnings coverage of net charge-offs (x) | 58.6408% | 1,183 |
| Efficiency ratio | 49.9212% | 4,170 |
| Assets per employee ($millions) | 5.9058% | 2,840 |
| Cash dividends to net income (ytd only)* | 41.9228% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5554% | 1,158 |
| Loan loss allowance to noncurrent loans | 401.5550% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 2,006 |
| Noncurrent loans to loans | 0.3873% | 1,843 |
| Net loans and leases to total assets | 62.0300% | 2,287 |
| Net loans and leases to deposits | 67.6283% | 2,568 |
| Net loans and leases to core deposits | 69.6894% | 2,662 |
| Total domestic deposits to total assets | 91.7200% | 966 |
| Equity capital to assets | 7.2859% | 3,350 |
| Core capital (leverage) ratio | 10.5446% | 2,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9184% | 735 |
| Memoranda: | ||
| Average total assets | $347,289,250 | 2,247 |
| Average earning assets | $329,273,750 | 2,208 |
| Average equity | $28,930,500 | 2,414 |
| Average total loans | $208,009,750 | 2,183 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1923% | 648 |
| Cost of funding earning assets | 0.1812% | 3,165 |
| Net interest margin | 4.0111% | 484 |
| Noninterest income to average assets | 0.7149% | 1,277 |
| Noninterest expense to average assets | 2.3109% | 2,515 |
| Loan and lease loss provision to assets | 0.0682% | 1,392 |
| Net operating income to assets | 2.1297% | 180 |
| Return on assets (ROA) | 2.1297% | 176 |
| Pretax return on assets | 2.1297% | 274 |
| Return on Equity (ROE) | 24.5579% | 125 |
| Retained earnings to average equity (ytd only) | 12.9631% | 471 |
| Net charge-offs to loans | 0.0321% | 1,086 |
| Credit loss provision to net charge-offs | 360.6061% | 731 |
| Earnings coverage of net charge-offs (x) | 116.1818% | 753 |
| Efficiency ratio | 51.2524% | 4,180 |
| Assets per employee ($millions) | 6.2491% | 2,519 |
| Cash dividends to net income (ytd only)* | 47.2140% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5878% | 1,177 |
| Loan loss allowance to noncurrent loans | 1,133.6700% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 3,133 |
| Noncurrent loans to loans | 0.1401% | 3,009 |
| Net loans and leases to total assets | 59.6355% | 2,364 |
| Net loans and leases to deposits | 65.3380% | 2,603 |
| Net loans and leases to core deposits | 67.2926% | 2,715 |
| Total domestic deposits to total assets | 91.2724% | 1,117 |
| Equity capital to assets | 7.7148% | 3,337 |
| Core capital (leverage) ratio | 9.9410% | 2,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3853% | 801 |
| Memoranda: | ||
| Average total assets | $348,873,333 | 2,253 |
| Average earning assets | $329,985,667 | 2,225 |
| Average equity | $30,255,000 | 2,407 |
| Average total loans | $205,401,333 | 2,195 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0518% | 696 |
| Cost of funding earning assets | 0.1836% | 3,039 |
| Net interest margin | 3.8682% | 542 |
| Noninterest income to average assets | 0.7154% | 1,263 |
| Noninterest expense to average assets | 2.3230% | 2,412 |
| Loan and lease loss provision to assets | 0.0678% | 1,207 |
| Net operating income to assets | 1.9774% | 233 |
| Return on assets (ROA) | 1.9774% | 235 |
| Pretax return on assets | 1.9774% | 379 |
| Return on Equity (ROE) | 21.6037% | 176 |
| Retained earnings to average equity (ytd only) | 16.1463% | 224 |
| Net charge-offs to loans | 0.0218% | 1,108 |
| Credit loss provision to net charge-offs | 536.3636% | 495 |
| Earnings coverage of net charge-offs (x) | 161.9091% | 506 |
| Efficiency ratio | 53.1809% | 4,110 |
| Assets per employee ($millions) | 6.5742% | 2,319 |
| Cash dividends to net income (ytd only)* | 25.2613% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 1,240 |
| Loan loss allowance to noncurrent loans | 1,120.8754% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 3,058 |
| Noncurrent loans to loans | 0.1439% | 3,088 |
| Net loans and leases to total assets | 58.2811% | 2,267 |
| Net loans and leases to deposits | 64.4891% | 2,483 |
| Net loans and leases to core deposits | 66.4438% | 2,590 |
| Total domestic deposits to total assets | 90.3737% | 1,344 |
| Equity capital to assets | 8.5905% | 3,089 |
| Core capital (leverage) ratio | 9.8893% | 2,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8146% | 784 |
| Memoranda: | ||
| Average total assets | $348,335,500 | 2,266 |
| Average earning assets | $328,939,000 | 2,246 |
| Average equity | $31,883,500 | 2,391 |
| Average total loans | $202,071,500 | 2,214 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4376% | 667 |
| Cost of funding earning assets | 0.2328% | 3,106 |
| Net interest margin | 4.2048% | 483 |
| Noninterest income to average assets | 0.7061% | 1,745 |
| Noninterest expense to average assets | 2.3826% | 2,540 |
| Loan and lease loss provision to assets | 0.0717% | 1,659 |
| Net operating income to assets | 2.2146% | 237 |
| Return on assets (ROA) | 2.1915% | 260 |
| Pretax return on assets | 2.1915% | 420 |
| Return on Equity (ROE) | 21.9874% | 221 |
| Retained earnings to average equity (ytd only) | 8.3649% | 1,402 |
| Net charge-offs to loans | 0.0731% | 1,059 |
| Credit loss provision to net charge-offs | 166.6667% | 1,424 |
| Earnings coverage of net charge-offs (x) | 53.1111% | 1,265 |
| Efficiency ratio | 51.0309% | 4,201 |
| Assets per employee ($millions) | 5.8040% | 2,949 |
| Cash dividends to net income (ytd only)* | 61.9561% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 1,145 |
| Loan loss allowance to noncurrent loans | 1,108.4459% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 3,179 |
| Noncurrent loans to loans | 0.1497% | 3,188 |
| Net loans and leases to total assets | 55.8418% | 2,637 |
| Net loans and leases to deposits | 63.0437% | 2,780 |
| Net loans and leases to core deposits | 65.1597% | 2,889 |
| Total domestic deposits to total assets | 88.5763% | 1,751 |
| Equity capital to assets | 9.7160% | 2,928 |
| Core capital (leverage) ratio | 9.5410% | 2,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6958% | 791 |
| Memoranda: | ||
| Average total assets | $334,512,600 | 2,273 |
| Average earning assets | $315,262,000 | 2,257 |
| Average equity | $33,341,800 | 2,367 |
| Average total loans | $197,122,800 | 2,250 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 660 |
| Cost of funding earning assets | 0.2443% | 3,172 |
| Net interest margin | 4.2663% | 487 |
| Noninterest income to average assets | 0.6935% | 1,844 |
| Noninterest expense to average assets | 2.4102% | 2,408 |
| Loan and lease loss provision to assets | 0.0725% | 1,591 |
| Net operating income to assets | 2.2342% | 303 |
| Return on assets (ROA) | 2.2169% | 332 |
| Pretax return on assets | 2.2169% | 528 |
| Return on Equity (ROE) | 22.0956% | 297 |
| Retained earnings to average equity (ytd only) | 11.3267% | 988 |
| Net charge-offs to loans | 0.0379% | 1,327 |
| Credit loss provision to net charge-offs | 321.4286% | 971 |
| Earnings coverage of net charge-offs (x) | 102.2857% | 861 |
| Efficiency ratio | 51.0971% | 4,116 |
| Assets per employee ($millions) | 6.0888% | 2,599 |
| Cash dividends to net income (ytd only)* | 48.7375% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6549% | 1,214 |
| Loan loss allowance to noncurrent loans | 643.9689% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 2,966 |
| Noncurrent loans to loans | 0.2570% | 2,904 |
| Net loans and leases to total assets | 57.6884% | 2,540 |
| Net loans and leases to deposits | 65.0366% | 2,731 |
| Net loans and leases to core deposits | 66.9444% | 2,862 |
| Total domestic deposits to total assets | 88.7014% | 1,459 |
| Equity capital to assets | 10.1217% | 2,783 |
| Core capital (leverage) ratio | 9.7428% | 2,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4623% | 890 |
| Memoranda: | ||
| Average total assets | $331,080,500 | 2,310 |
| Average earning assets | $312,234,250 | 2,291 |
| Average equity | $33,218,500 | 2,406 |
| Average total loans | $196,967,250 | 2,289 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3130% | 982 |
| Cost of funding earning assets | 0.2572% | 3,225 |
| Net interest margin | 4.0558% | 747 |
| Noninterest income to average assets | 0.6864% | 1,860 |
| Noninterest expense to average assets | 2.4248% | 2,378 |
| Loan and lease loss provision to assets | 0.0726% | 1,617 |
| Net operating income to assets | 2.0086% | 481 |
| Return on assets (ROA) | 2.0019% | 509 |
| Pretax return on assets | 2.0019% | 836 |
| Return on Equity (ROE) | 20.0138% | 458 |
| Retained earnings to average equity (ytd only) | 10.1808% | 1,348 |
| Net charge-offs to loans | 0.0449% | 1,183 |
| Credit loss provision to net charge-offs | 270.4545% | 937 |
| Earnings coverage of net charge-offs (x) | 77.5227% | 852 |
| Efficiency ratio | 53.8118% | 3,827 |
| Assets per employee ($millions) | 5.8803% | 2,734 |
| Cash dividends to net income (ytd only)* | 49.1314% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6186% | 1,231 |
| Loan loss allowance to noncurrent loans | 890.7104% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 3,360 |
| Noncurrent loans to loans | 0.1817% | 3,314 |
| Net loans and leases to total assets | 59.1175% | 2,529 |
| Net loans and leases to deposits | 66.6921% | 2,758 |
| Net loans and leases to core deposits | 68.6511% | 2,901 |
| Total domestic deposits to total assets | 88.6425% | 1,478 |
| Equity capital to assets | 9.9893% | 2,864 |
| Core capital (leverage) ratio | 9.4923% | 2,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2977% | 911 |
| Memoranda: | ||
| Average total assets | $327,784,000 | 2,321 |
| Average earning assets | $308,693,333 | 2,296 |
| Average equity | $32,787,333 | 2,415 |
| Average total loans | $195,953,000 | 2,306 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2446% | 1,126 |
| Cost of funding earning assets | 0.2723% | 3,246 |
| Net interest margin | 3.9722% | 884 |
| Noninterest income to average assets | 0.6640% | 1,983 |
| Noninterest expense to average assets | 2.3808% | 2,555 |
| Loan and lease loss provision to assets | 0.0728% | 1,719 |
| Net operating income to assets | 1.9550% | 607 |
| Return on assets (ROA) | 1.9550% | 654 |
| Pretax return on assets | 1.9550% | 1,023 |
| Return on Equity (ROE) | 19.5314% | 566 |
| Retained earnings to average equity (ytd only) | 16.2145% | 493 |
| Net charge-offs to loans | 0.0373% | 1,102 |
| Credit loss provision to net charge-offs | 327.7778% | 727 |
| Earnings coverage of net charge-offs (x) | 91.2778% | 649 |
| Efficiency ratio | 54.0034% | 3,777 |
| Assets per employee ($millions) | 5.9212% | 2,673 |
| Cash dividends to net income (ytd only)* | 16.9823% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6504% | 1,169 |
| Loan loss allowance to noncurrent loans | 437.7205% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 3,042 |
| Noncurrent loans to loans | 0.3770% | 2,745 |
| Net loans and leases to total assets | 57.9771% | 2,808 |
| Net loans and leases to deposits | 65.2772% | 2,997 |
| Net loans and leases to core deposits | 67.1614% | 3,144 |
| Total domestic deposits to total assets | 88.8168% | 1,433 |
| Equity capital to assets | 9.8376% | 2,857 |
| Core capital (leverage) ratio | 9.8793% | 2,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0745% | 780 |
| Memoranda: | ||
| Average total assets | $324,087,000 | 2,322 |
| Average earning assets | $305,520,500 | 2,299 |
| Average equity | $32,440,000 | 2,419 |
| Average total loans | $193,225,000 | 2,329 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6841% | 924 |
| Cost of funding earning assets | 0.4783% | 3,093 |
| Net interest margin | 4.2057% | 627 |
| Noninterest income to average assets | 0.7301% | 1,741 |
| Noninterest expense to average assets | 2.5847% | 2,604 |
| Loan and lease loss provision to assets | 0.1329% | 2,698 |
| Net operating income to assets | 1.9875% | 269 |
| Return on assets (ROA) | 1.9875% | 287 |
| Pretax return on assets | 1.9875% | 464 |
| Return on Equity (ROE) | 18.9818% | 278 |
| Retained earnings to average equity (ytd only) | 7.2135% | 1,313 |
| Net charge-offs to loans | 0.0821% | 1,651 |
| Credit loss provision to net charge-offs | 260.6667% | 1,883 |
| Earnings coverage of net charge-offs (x) | 41.5867% | 1,350 |
| Efficiency ratio | 54.9343% | 4,099 |
| Assets per employee ($millions) | 5.5542% | 2,787 |
| Cash dividends to net income (ytd only)* | 61.9976% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6677% | 1,114 |
| Loan loss allowance to noncurrent loans | 703.0905% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1431% | 3,573 |
| Noncurrent loans to loans | 0.2372% | 3,349 |
| Net loans and leases to total assets | 59.3184% | 2,945 |
| Net loans and leases to deposits | 67.0270% | 3,178 |
| Net loans and leases to core deposits | 68.8471% | 3,342 |
| Total domestic deposits to total assets | 88.4992% | 1,229 |
| Equity capital to assets | 10.1899% | 2,936 |
| Core capital (leverage) ratio | 9.7436% | 2,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1633% | 878 |
| Memoranda: | ||
| Average total assets | $294,193,400 | 2,325 |
| Average earning assets | $278,048,800 | 2,301 |
| Average equity | $30,803,200 | 2,442 |
| Average total loans | $182,654,200 | 2,390 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7699% | 928 |
| Cost of funding earning assets | 0.5262% | 3,068 |
| Net interest margin | 4.2437% | 667 |
| Noninterest income to average assets | 0.7207% | 1,735 |
| Noninterest expense to average assets | 2.6727% | 2,337 |
| Loan and lease loss provision to assets | 0.1441% | 2,578 |
| Net operating income to assets | 1.9205% | 354 |
| Return on assets (ROA) | 1.9205% | 388 |
| Pretax return on assets | 1.9205% | 605 |
| Return on Equity (ROE) | 18.2086% | 345 |
| Retained earnings to average equity (ytd only) | 9.1197% | 952 |
| Net charge-offs to loans | 0.0701% | 1,619 |
| Credit loss provision to net charge-offs | 328.4211% | 1,673 |
| Earnings coverage of net charge-offs (x) | 47.0421% | 1,236 |
| Efficiency ratio | 56.4170% | 3,871 |
| Assets per employee ($millions) | 5.4534% | 2,750 |
| Cash dividends to net income (ytd only)* | 49.9158% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7077% | 881 |
| Loan loss allowance to noncurrent loans | 943.5821% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 3,589 |
| Noncurrent loans to loans | 0.1810% | 3,660 |
| Net loans and leases to total assets | 59.5750% | 3,269 |
| Net loans and leases to deposits | 67.5955% | 3,499 |
| Net loans and leases to core deposits | 69.4555% | 3,665 |
| Total domestic deposits to total assets | 88.1346% | 1,159 |
| Equity capital to assets | 10.4515% | 2,837 |
| Core capital (leverage) ratio | 9.7716% | 2,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0201% | 783 |
| Memoranda: | ||
| Average total assets | $288,594,750 | 2,335 |
| Average earning assets | $273,148,250 | 2,312 |
| Average equity | $30,439,000 | 2,451 |
| Average total loans | $180,572,750 | 2,409 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8730% | 1,018 |
| Cost of funding earning assets | 0.5844% | 3,049 |
| Net interest margin | 4.2886% | 769 |
| Noninterest income to average assets | 0.6954% | 1,752 |
| Noninterest expense to average assets | 2.7244% | 2,308 |
| Loan and lease loss provision to assets | 0.1640% | 2,362 |
| Net operating income to assets | 1.8679% | 432 |
| Return on assets (ROA) | 1.8679% | 478 |
| Pretax return on assets | 1.8679% | 716 |
| Return on Equity (ROE) | 17.6518% | 404 |
| Retained earnings to average equity (ytd only) | 8.8292% | 1,058 |
| Net charge-offs to loans | 0.0905% | 1,347 |
| Credit loss provision to net charge-offs | 286.4198% | 1,658 |
| Earnings coverage of net charge-offs (x) | 35.4938% | 1,322 |
| Efficiency ratio | 57.2808% | 3,776 |
| Assets per employee ($millions) | 5.5065% | 2,632 |
| Cash dividends to net income (ytd only)* | 49.9811% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6910% | 827 |
| Loan loss allowance to noncurrent loans | 547.7876% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 3,403 |
| Noncurrent loans to loans | 0.3087% | 3,279 |
| Net loans and leases to total assets | 58.3503% | 3,485 |
| Net loans and leases to deposits | 65.9543% | 3,725 |
| Net loans and leases to core deposits | 68.3188% | 3,842 |
| Total domestic deposits to total assets | 88.4708% | 957 |
| Equity capital to assets | 10.1321% | 3,083 |
| Core capital (leverage) ratio | 9.8312% | 2,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5675% | 836 |
| Memoranda: | ||
| Average total assets | $282,995,333 | 2,347 |
| Average earning assets | $267,963,667 | 2,314 |
| Average equity | $29,946,000 | 2,467 |
| Average total loans | $179,064,000 | 2,414 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1416% | 734 |
| Cost of funding earning assets | 0.6988% | 2,936 |
| Net interest margin | 4.4428% | 573 |
| Noninterest income to average assets | 0.7650% | 1,414 |
| Noninterest expense to average assets | 2.8101% | 2,407 |
| Loan and lease loss provision to assets | 0.0888% | 2,577 |
| Net operating income to assets | 2.0717% | 239 |
| Return on assets (ROA) | 2.0717% | 261 |
| Pretax return on assets | 2.0717% | 388 |
| Return on Equity (ROE) | 19.1146% | 205 |
| Retained earnings to average equity (ytd only) | 16.2064% | 139 |
| Net charge-offs to loans | 0.0248% | 1,869 |
| Credit loss provision to net charge-offs | 545.4545% | 837 |
| Earnings coverage of net charge-offs (x) | 132.7273% | 473 |
| Efficiency ratio | 56.5347% | 4,155 |
| Assets per employee ($millions) | 4.8873% | 2,771 |
| Cash dividends to net income (ytd only)* | 15.2143% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6823% | 904 |
| Loan loss allowance to noncurrent loans | 678.6848% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 3,621 |
| Noncurrent loans to loans | 0.2479% | 3,598 |
| Net loans and leases to total assets | 63.9132% | 3,076 |
| Net loans and leases to deposits | 73.0196% | 3,353 |
| Net loans and leases to core deposits | 76.7158% | 3,448 |
| Total domestic deposits to total assets | 87.5288% | 1,313 |
| Equity capital to assets | 10.9976% | 2,856 |
| Core capital (leverage) ratio | 10.7656% | 2,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5171% | 918 |
| Memoranda: | ||
| Average total assets | $270,310,500 | 2,368 |
| Average earning assets | $255,872,500 | 2,343 |
| Average equity | $29,297,000 | 2,497 |
| Average total loans | $177,082,500 | 2,389 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1657% | 1,072 |
| Cost of funding earning assets | 0.7270% | 3,030 |
| Net interest margin | 4.4387% | 823 |
| Noninterest income to average assets | 0.8733% | 1,239 |
| Noninterest expense to average assets | 2.8961% | 2,309 |
| Loan and lease loss provision to assets | 0.1277% | 1,671 |
| Net operating income to assets | 2.0374% | 319 |
| Return on assets (ROA) | 2.0359% | 341 |
| Pretax return on assets | 2.0359% | 554 |
| Return on Equity (ROE) | 19.5719% | 236 |
| Retained earnings to average equity (ytd only) | 4.5246% | 2,694 |
| Net charge-offs to loans | 0.1739% | 1,159 |
| Credit loss provision to net charge-offs | 111.1111% | 2,250 |
| Earnings coverage of net charge-offs (x) | 18.8366% | 2,032 |
| Efficiency ratio | 57.2213% | 4,057 |
| Assets per employee ($millions) | 4.8533% | 2,771 |
| Cash dividends to net income (ytd only)* | 76.8819% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6704% | 848 |
| Loan loss allowance to noncurrent loans | 377.4359% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 2,847 |
| Noncurrent loans to loans | 0.4426% | 2,859 |
| Net loans and leases to total assets | 64.9247% | 3,082 |
| Net loans and leases to deposits | 73.9139% | 3,363 |
| Net loans and leases to core deposits | 77.8110% | 3,457 |
| Total domestic deposits to total assets | 87.8382% | 1,204 |
| Equity capital to assets | 10.6749% | 3,283 |
| Core capital (leverage) ratio | 10.3516% | 3,136 |
| Tier 1 risk-based capital ratio | 17.6211% | 1,859 |
| Total risk-based capital ratio | 18.8783% | 1,811 |
| Memoranda: | ||
| Average total assets | $266,222,400 | 2,351 |
| Average earning assets | $251,175,600 | 2,332 |
| Average equity | $27,692,800 | 2,513 |
| Average total loans | $175,991,400 | 2,360 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1319% | 1,203 |
| Cost of funding earning assets | 0.7132% | 3,141 |
| Net interest margin | 4.4188% | 913 |
| Noninterest income to average assets | 0.8550% | 1,255 |
| Noninterest expense to average assets | 2.9232% | 2,187 |
| Loan and lease loss provision to assets | 0.0902% | 2,101 |
| Net operating income to assets | 2.0086% | 388 |
| Return on assets (ROA) | 2.0066% | 406 |
| Pretax return on assets | 2.0066% | 671 |
| Return on Equity (ROE) | 19.4183% | 288 |
| Retained earnings to average equity (ytd only) | 4.5830% | 3,113 |
| Net charge-offs to loans | 0.1448% | 1,118 |
| Credit loss provision to net charge-offs | 94.2408% | 2,352 |
| Earnings coverage of net charge-offs (x) | 21.9267% | 1,890 |
| Efficiency ratio | 58.2078% | 3,908 |
| Assets per employee ($millions) | 4.4686% | 3,259 |
| Cash dividends to net income (ytd only)* | 76.3986% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 903 |
| Loan loss allowance to noncurrent loans | 338.1119% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 2,722 |
| Noncurrent loans to loans | 0.4882% | 2,834 |
| Net loans and leases to total assets | 64.4715% | 3,240 |
| Net loans and leases to deposits | 73.3222% | 3,531 |
| Net loans and leases to core deposits | 76.5389% | 3,658 |
| Total domestic deposits to total assets | 87.9290% | 1,061 |
| Equity capital to assets | 10.5586% | 3,496 |
| Core capital (leverage) ratio | 10.3781% | 3,227 |
| Tier 1 risk-based capital ratio | 17.7289% | 1,893 |
| Total risk-based capital ratio | 18.9862% | 1,844 |
| Memoranda: | ||
| Average total assets | $266,044,500 | 2,371 |
| Average earning assets | $250,893,000 | 2,351 |
| Average equity | $27,492,250 | 2,539 |
| Average total loans | $175,926,750 | 2,385 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0687% | 1,303 |
| Cost of funding earning assets | 0.6803% | 3,275 |
| Net interest margin | 4.3884% | 963 |
| Noninterest income to average assets | 0.8901% | 1,094 |
| Noninterest expense to average assets | 2.9221% | 2,221 |
| Loan and lease loss provision to assets | 0.0897% | 2,051 |
| Net operating income to assets | 2.0207% | 374 |
| Return on assets (ROA) | 2.0199% | 397 |
| Pretax return on assets | 2.0199% | 656 |
| Return on Equity (ROE) | 19.6914% | 275 |
| Retained earnings to average equity (ytd only) | 4.5849% | 2,985 |
| Net charge-offs to loans | 0.1330% | 1,137 |
| Credit loss provision to net charge-offs | 101.7094% | 1,937 |
| Earnings coverage of net charge-offs (x) | 23.9316% | 1,640 |
| Efficiency ratio | 58.0650% | 4,000 |
| Assets per employee ($millions) | 4.6823% | 2,901 |
| Cash dividends to net income (ytd only)* | 76.7164% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6511% | 918 |
| Loan loss allowance to noncurrent loans | 291.8838% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.5733% | 2,292 |
| Noncurrent loans to loans | 0.5657% | 2,566 |
| Net loans and leases to total assets | 65.0121% | 3,237 |
| Net loans and leases to deposits | 73.7705% | 3,538 |
| Net loans and leases to core deposits | 76.7162% | 3,669 |
| Total domestic deposits to total assets | 88.1274% | 1,042 |
| Equity capital to assets | 10.4334% | 3,582 |
| Core capital (leverage) ratio | 10.1948% | 3,387 |
| Tier 1 risk-based capital ratio | 17.2805% | 2,002 |
| Total risk-based capital ratio | 18.5380% | 1,954 |
| Memoranda: | ||
| Average total assets | $265,354,670 | 2,383 |
| Average earning assets | $250,478,000 | 2,362 |
| Average equity | $27,220,000 | 2,554 |
| Average total loans | $175,983,000 | 2,391 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9305% | 1,519 |
| Cost of funding earning assets | 0.6075% | 3,527 |
| Net interest margin | 4.3230% | 1,055 |
| Noninterest income to average assets | 0.8693% | 1,121 |
| Noninterest expense to average assets | 2.9435% | 2,148 |
| Loan and lease loss provision to assets | 0.0892% | 1,928 |
| Net operating income to assets | 1.9245% | 441 |
| Return on assets (ROA) | 1.9230% | 455 |
| Pretax return on assets | 1.9230% | 753 |
| Return on Equity (ROE) | 18.9096% | 335 |
| Retained earnings to average equity (ytd only) | 12.9929% | 466 |
| Net charge-offs to loans | 0.0979% | 1,160 |
| Credit loss provision to net charge-offs | 137.2093% | 1,313 |
| Earnings coverage of net charge-offs (x) | 30.9767% | 1,314 |
| Efficiency ratio | 59.3779% | 3,893 |
| Assets per employee ($millions) | 4.5027% | 3,191 |
| Cash dividends to net income (ytd only)* | 31.2893% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6619% | 935 |
| Loan loss allowance to noncurrent loans | 182.8857% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.7514% | 1,874 |
| Noncurrent loans to loans | 0.9087% | 1,839 |
| Net loans and leases to total assets | 64.1300% | 3,270 |
| Net loans and leases to deposits | 72.5552% | 3,563 |
| Net loans and leases to core deposits | 75.1549% | 3,722 |
| Total domestic deposits to total assets | 88.3879% | 1,138 |
| Equity capital to assets | 10.1847% | 3,639 |
| Core capital (leverage) ratio | 10.6122% | 2,930 |
| Tier 1 risk-based capital ratio | 17.5007% | 1,941 |
| Total risk-based capital ratio | 18.7584% | 1,889 |
| Memoranda: | ||
| Average total assets | $264,586,000 | 2,404 |
| Average earning assets | $250,198,500 | 2,379 |
| Average equity | $26,907,000 | 2,577 |
| Average total loans | $175,762,000 | 2,416 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8380% | 1,451 |
| Cost of funding earning assets | 0.4119% | 3,914 |
| Net interest margin | 4.4261% | 884 |
| Noninterest income to average assets | 0.9229% | 1,124 |
| Noninterest expense to average assets | 2.8357% | 2,564 |
| Loan and lease loss provision to assets | 0.0928% | 2,296 |
| Net operating income to assets | 2.1882% | 258 |
| Return on assets (ROA) | 2.1839% | 251 |
| Pretax return on assets | 2.1839% | 368 |
| Return on Equity (ROE) | 21.1896% | 190 |
| Retained earnings to average equity (ytd only) | 0.6005% | 4,829 |
| Net charge-offs to loans | 0.0651% | 2,191 |
| Credit loss provision to net charge-offs | 210.5263% | 1,376 |
| Earnings coverage of net charge-offs (x) | 51.7281% | 1,112 |
| Efficiency ratio | 55.4203% | 4,472 |
| Assets per employee ($millions) | 4.3169% | 3,435 |
| Cash dividends to net income (ytd only)* | 97.1661% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 904 |
| Loan loss allowance to noncurrent loans | 338.8824% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 2,615 |
| Noncurrent loans to loans | 0.4899% | 2,804 |
| Net loans and leases to total assets | 66.5727% | 3,051 |
| Net loans and leases to deposits | 75.2581% | 3,406 |
| Net loans and leases to core deposits | 78.1795% | 3,566 |
| Total domestic deposits to total assets | 88.4593% | 1,089 |
| Equity capital to assets | 10.1535% | 3,523 |
| Core capital (leverage) ratio | 10.2805% | 3,272 |
| Tier 1 risk-based capital ratio | 16.9924% | 2,072 |
| Total risk-based capital ratio | 18.2496% | 2,016 |
| Memoranda: | ||
| Average total assets | $258,527,800 | 2,411 |
| Average earning assets | $244,956,400 | 2,379 |
| Average equity | $26,645,200 | 2,528 |
| Average total loans | $175,174,400 | 2,375 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7570% | 1,528 |
| Cost of funding earning assets | 0.3805% | 3,992 |
| Net interest margin | 4.3765% | 947 |
| Noninterest income to average assets | 0.9014% | 1,197 |
| Noninterest expense to average assets | 2.8296% | 2,532 |
| Loan and lease loss provision to assets | 0.0929% | 2,122 |
| Net operating income to assets | 2.1273% | 291 |
| Return on assets (ROA) | 2.1253% | 288 |
| Pretax return on assets | 2.1253% | 454 |
| Return on Equity (ROE) | 20.5443% | 240 |
| Retained earnings to average equity (ytd only) | 4.8081% | 3,340 |
| Net charge-offs to loans | 0.0655% | 1,893 |
| Credit loss provision to net charge-offs | 209.3023% | 1,335 |
| Earnings coverage of net charge-offs (x) | 50.0365% | 1,174 |
| Efficiency ratio | 56.0335% | 4,389 |
| Assets per employee ($millions) | 4.2931% | 3,433 |
| Cash dividends to net income (ytd only)* | 76.5963% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 1,036 |
| Loan loss allowance to noncurrent loans | 499.6528% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 3,349 |
| Noncurrent loans to loans | 0.3236% | 3,512 |
| Net loans and leases to total assets | 66.8680% | 3,082 |
| Net loans and leases to deposits | 76.8489% | 3,340 |
| Net loans and leases to core deposits | 79.8481% | 3,502 |
| Total domestic deposits to total assets | 87.0124% | 1,723 |
| Equity capital to assets | 10.2627% | 3,388 |
| Core capital (leverage) ratio | 10.5955% | 2,985 |
| Tier 1 risk-based capital ratio | 17.1988% | 2,021 |
| Total risk-based capital ratio | 18.4554% | 1,972 |
| Memoranda: | ||
| Average total assets | $258,406,500 | 2,423 |
| Average earning assets | $244,938,750 | 2,389 |
| Average equity | $26,731,750 | 2,536 |
| Average total loans | $175,132,250 | 2,386 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6865% | 1,538 |
| Cost of funding earning assets | 0.3541% | 4,048 |
| Net interest margin | 4.3323% | 974 |
| Noninterest income to average assets | 0.8902% | 1,211 |
| Noninterest expense to average assets | 2.8439% | 2,519 |
| Loan and lease loss provision to assets | 0.0925% | 2,063 |
| Net operating income to assets | 2.0626% | 329 |
| Return on assets (ROA) | 2.0626% | 326 |
| Pretax return on assets | 2.0626% | 523 |
| Return on Equity (ROE) | 19.8848% | 277 |
| Retained earnings to average equity (ytd only) | 4.7445% | 3,212 |
| Net charge-offs to loans | 0.0735% | 1,598 |
| Credit loss provision to net charge-offs | 185.9375% | 1,370 |
| Earnings coverage of net charge-offs (x) | 43.3125% | 1,239 |
| Efficiency ratio | 56.8896% | 4,376 |
| Assets per employee ($millions) | 4.5702% | 3,012 |
| Cash dividends to net income (ytd only)* | 76.1402% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 1,067 |
| Loan loss allowance to noncurrent loans | 494.0870% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 3,439 |
| Noncurrent loans to loans | 0.3273% | 3,529 |
| Net loans and leases to total assets | 66.3470% | 3,090 |
| Net loans and leases to deposits | 75.0345% | 3,436 |
| Net loans and leases to core deposits | 77.5686% | 3,612 |
| Total domestic deposits to total assets | 88.4220% | 1,174 |
| Equity capital to assets | 10.2214% | 3,426 |
| Core capital (leverage) ratio | 10.5494% | 2,981 |
| Tier 1 risk-based capital ratio | 17.2042% | 2,028 |
| Total risk-based capital ratio | 18.4606% | 1,979 |
| Memoranda: | ||
| Average total assets | $257,248,670 | 2,449 |
| Average earning assets | $243,979,330 | 2,404 |
| Average equity | $26,683,670 | 2,551 |
| Average total loans | $174,179,000 | 2,405 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6055% | 1,548 |
| Cost of funding earning assets | 0.3248% | 4,170 |
| Net interest margin | 4.2806% | 979 |
| Noninterest income to average assets | 0.8872% | 1,181 |
| Noninterest expense to average assets | 2.8652% | 2,484 |
| Loan and lease loss provision to assets | 0.0923% | 1,969 |
| Net operating income to assets | 1.9920% | 382 |
| Return on assets (ROA) | 1.9920% | 381 |
| Pretax return on assets | 1.9920% | 577 |
| Return on Equity (ROE) | 19.0626% | 315 |
| Retained earnings to average equity (ytd only) | 16.5918% | 215 |
| Net charge-offs to loans | 0.0577% | 1,527 |
| Credit loss provision to net charge-offs | 236.0000% | 945 |
| Earnings coverage of net charge-offs (x) | 53.2800% | 916 |
| Efficiency ratio | 57.8881% | 4,354 |
| Assets per employee ($millions) | 4.3839% | 3,345 |
| Cash dividends to net income (ytd only)* | 12.9615% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6170% | 1,121 |
| Loan loss allowance to noncurrent loans | 394.6779% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 3,331 |
| Noncurrent loans to loans | 0.4097% | 3,311 |
| Net loans and leases to total assets | 66.2900% | 2,988 |
| Net loans and leases to deposits | 75.2145% | 3,298 |
| Net loans and leases to core deposits | 77.5282% | 3,534 |
| Total domestic deposits to total assets | 88.1345% | 1,544 |
| Equity capital to assets | 10.5188% | 3,058 |
| Core capital (leverage) ratio | 10.9242% | 2,517 |
| Tier 1 risk-based capital ratio | 17.8408% | 1,882 |
| Total risk-based capital ratio | 19.0975% | 1,828 |
| Memoranda: | ||
| Average total assets | $255,621,500 | 2,478 |
| Average earning assets | $242,582,000 | 2,431 |
| Average equity | $26,712,000 | 2,571 |
| Average total loans | $173,430,000 | 2,432 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6225% | 1,366 |
| Cost of funding earning assets | 0.3085% | 4,053 |
| Net interest margin | 4.3140% | 937 |
| Noninterest income to average assets | 0.9483% | 1,146 |
| Noninterest expense to average assets | 2.9643% | 2,263 |
| Loan and lease loss provision to assets | 0.1007% | 2,212 |
| Net operating income to assets | 1.9778% | 295 |
| Return on assets (ROA) | 1.9778% | 299 |
| Pretax return on assets | 1.9778% | 517 |
| Return on Equity (ROE) | 19.4476% | 214 |
| Retained earnings to average equity (ytd only) | 8.5298% | 611 |
| Net charge-offs to loans | 0.1317% | 1,737 |
| Credit loss provision to net charge-offs | 111.7117% | 2,331 |
| Earnings coverage of net charge-offs (x) | 23.0541% | 1,827 |
| Efficiency ratio | 58.7823% | 4,437 |
| Assets per employee ($millions) | 4.2812% | 3,521 |
| Cash dividends to net income (ytd only)* | 56.1396% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 1,108 |
| Loan loss allowance to noncurrent loans | 422.6100% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 3,387 |
| Noncurrent loans to loans | 0.3818% | 3,384 |
| Net loans and leases to total assets | 67.2220% | 2,933 |
| Net loans and leases to deposits | 76.1617% | 3,316 |
| Net loans and leases to core deposits | 78.2927% | 3,563 |
| Total domestic deposits to total assets | 88.2621% | 1,367 |
| Equity capital to assets | 10.3791% | 3,296 |
| Core capital (leverage) ratio | 10.5495% | 2,785 |
| Tier 1 risk-based capital ratio | 17.2840% | 2,002 |
| Total risk-based capital ratio | 18.5412% | 1,949 |
| Memoranda: | ||
| Average total assets | $246,231,600 | 2,514 |
| Average earning assets | $233,705,000 | 2,471 |
| Average equity | $25,041,600 | 2,672 |
| Average total loans | $168,580,600 | 2,436 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 1,400 |
| Cost of funding earning assets | 0.3027% | 4,101 |
| Net interest margin | 4.2856% | 959 |
| Noninterest income to average assets | 0.9020% | 1,266 |
| Noninterest expense to average assets | 2.9801% | 2,162 |
| Loan and lease loss provision to assets | 0.0583% | 2,918 |
| Net operating income to assets | 1.9304% | 358 |
| Return on assets (ROA) | 1.9304% | 364 |
| Pretax return on assets | 1.9304% | 635 |
| Return on Equity (ROE) | 19.0827% | 275 |
| Retained earnings to average equity (ytd only) | 4.3532% | 3,313 |
| Net charge-offs to loans | 0.1528% | 1,330 |
| Credit loss provision to net charge-offs | 55.7292% | 2,849 |
| Earnings coverage of net charge-offs (x) | 19.0055% | 2,020 |
| Efficiency ratio | 59.9759% | 4,220 |
| Assets per employee ($millions) | 4.2779% | 3,512 |
| Cash dividends to net income (ytd only)* | 77.1880% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5587% | 1,334 |
| Loan loss allowance to noncurrent loans | 399.1045% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.3797% | 3,509 |
| Noncurrent loans to loans | 0.3905% | 3,555 |
| Net loans and leases to total assets | 68.0646% | 2,835 |
| Net loans and leases to deposits | 76.9243% | 3,279 |
| Net loans and leases to core deposits | 79.2315% | 3,517 |
| Total domestic deposits to total assets | 88.4826% | 1,131 |
| Equity capital to assets | 10.1274% | 3,766 |
| Core capital (leverage) ratio | 10.2490% | 3,256 |
| Tier 1 risk-based capital ratio | 16.7406% | 2,234 |
| Total risk-based capital ratio | 17.9972% | 2,186 |
| Memoranda: | ||
| Average total assets | $244,641,250 | 2,548 |
| Average earning assets | $232,148,750 | 2,492 |
| Average equity | $24,747,750 | 2,709 |
| Average total loans | $167,580,000 | 2,463 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5250% | 1,454 |
| Cost of funding earning assets | 0.2961% | 4,119 |
| Net interest margin | 4.2290% | 1,013 |
| Noninterest income to average assets | 0.8838% | 1,319 |
| Noninterest expense to average assets | 2.9563% | 2,246 |
| Loan and lease loss provision to assets | 0.0370% | 3,268 |
| Net operating income to assets | 1.9032% | 372 |
| Return on assets (ROA) | 1.9032% | 383 |
| Pretax return on assets | 1.9032% | 645 |
| Return on Equity (ROE) | 18.8213% | 275 |
| Retained earnings to average equity (ytd only) | 4.4921% | 3,038 |
| Net charge-offs to loans | 0.2081% | 980 |
| Credit loss provision to net charge-offs | 26.0116% | 2,748 |
| Earnings coverage of net charge-offs (x) | 13.6532% | 2,119 |
| Efficiency ratio | 60.3758% | 4,267 |
| Assets per employee ($millions) | 4.2929% | 3,445 |
| Cash dividends to net income (ytd only)* | 76.1329% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5703% | 1,330 |
| Loan loss allowance to noncurrent loans | 326.7081% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.4325% | 3,380 |
| Noncurrent loans to loans | 0.4806% | 3,309 |
| Net loans and leases to total assets | 66.2084% | 3,072 |
| Net loans and leases to deposits | 74.6414% | 3,481 |
| Net loans and leases to core deposits | 76.9464% | 3,686 |
| Total domestic deposits to total assets | 88.7020% | 1,103 |
| Equity capital to assets | 10.0004% | 3,908 |
| Core capital (leverage) ratio | 10.1275% | 3,366 |
| Tier 1 risk-based capital ratio | 16.8941% | 2,181 |
| Total risk-based capital ratio | 18.1508% | 2,140 |
| Memoranda: | ||
| Average total assets | $243,481,670 | 2,565 |
| Average earning assets | $231,025,670 | 2,516 |
| Average equity | $24,621,000 | 2,729 |
| Average total loans | $166,254,670 | 2,483 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4913% | 1,391 |
| Cost of funding earning assets | 0.2854% | 4,194 |
| Net interest margin | 4.2059% | 976 |
| Noninterest income to average assets | 0.8906% | 1,274 |
| Noninterest expense to average assets | 2.9909% | 2,186 |
| Loan and lease loss provision to assets | 0.0366% | 3,066 |
| Net operating income to assets | 1.8544% | 405 |
| Return on assets (ROA) | 1.8544% | 419 |
| Pretax return on assets | 1.8544% | 714 |
| Return on Equity (ROE) | 18.2342% | 322 |
| Retained earnings to average equity (ytd only) | 4.1174% | 3,401 |
| Net charge-offs to loans | 0.1497% | 1,064 |
| Credit loss provision to net charge-offs | 35.4839% | 2,086 |
| Earnings coverage of net charge-offs (x) | 18.3548% | 1,569 |
| Efficiency ratio | 61.2662% | 4,272 |
| Assets per employee ($millions) | 4.2744% | 3,539 |
| Cash dividends to net income (ytd only)* | 77.4194% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6326% | 1,307 |
| Loan loss allowance to noncurrent loans | 241.6000% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 3,296 |
| Noncurrent loans to loans | 0.6758% | 2,825 |
| Net loans and leases to total assets | 66.0552% | 2,961 |
| Net loans and leases to deposits | 74.4021% | 3,365 |
| Net loans and leases to core deposits | 76.4450% | 3,613 |
| Total domestic deposits to total assets | 88.7813% | 1,269 |
| Equity capital to assets | 9.9275% | 3,848 |
| Core capital (leverage) ratio | 10.3478% | 3,063 |
| Tier 1 risk-based capital ratio | 17.0128% | 2,175 |
| Total risk-based capital ratio | 18.2704% | 2,129 |
| Memoranda: | ||
| Average total assets | $240,727,000 | 2,609 |
| Average earning assets | $228,442,500 | 2,565 |
| Average equity | $24,481,500 | 2,752 |
| Average total loans | $165,640,500 | 2,506 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6849% | 1,090 |
| Cost of funding earning assets | 0.2836% | 4,229 |
| Net interest margin | 4.4013% | 772 |
| Noninterest income to average assets | 0.8952% | 1,426 |
| Noninterest expense to average assets | 3.1616% | 1,874 |
| Loan and lease loss provision to assets | 0.0829% | 2,697 |
| Net operating income to assets | 1.8246% | 424 |
| Return on assets (ROA) | 1.8246% | 443 |
| Pretax return on assets | 1.8246% | 749 |
| Return on Equity (ROE) | 17.2835% | 378 |
| Retained earnings to average equity (ytd only) | 4.7760% | 2,491 |
| Net charge-offs to loans | 0.0953% | 2,340 |
| Credit loss provision to net charge-offs | 121.1538% | 2,191 |
| Earnings coverage of net charge-offs (x) | 27.8654% | 1,496 |
| Efficiency ratio | 62.3702% | 4,190 |
| Assets per employee ($millions) | 3.8923% | 4,156 |
| Cash dividends to net income (ytd only)* | 72.3665% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6741% | 1,189 |
| Loan loss allowance to noncurrent loans | 303.5204% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.4316% | 3,541 |
| Noncurrent loans to loans | 0.5516% | 3,194 |
| Net loans and leases to total assets | 69.3860% | 2,566 |
| Net loans and leases to deposits | 78.6123% | 3,029 |
| Net loans and leases to core deposits | 80.3517% | 3,368 |
| Total domestic deposits to total assets | 88.2635% | 1,504 |
| Equity capital to assets | 10.4270% | 3,238 |
| Core capital (leverage) ratio | 10.5532% | 2,825 |
| Tier 1 risk-based capital ratio | 17.3386% | 2,050 |
| Total risk-based capital ratio | 18.5972% | 2,006 |
| Memoranda: | ||
| Average total assets | $227,890,600 | 2,684 |
| Average earning assets | $216,117,600 | 2,639 |
| Average equity | $24,057,600 | 2,795 |
| Average total loans | $163,770,400 | 2,481 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6919% | 1,084 |
| Cost of funding earning assets | 0.2825% | 4,277 |
| Net interest margin | 4.4094% | 763 |
| Noninterest income to average assets | 0.8819% | 1,465 |
| Noninterest expense to average assets | 3.1843% | 1,817 |
| Loan and lease loss provision to assets | 0.0542% | 3,178 |
| Net operating income to assets | 1.8244% | 462 |
| Return on assets (ROA) | 1.8244% | 489 |
| Pretax return on assets | 1.8244% | 853 |
| Return on Equity (ROE) | 17.2276% | 426 |
| Retained earnings to average equity (ytd only) | 5.5035% | 2,478 |
| Net charge-offs to loans | 0.0930% | 2,022 |
| Credit loss provision to net charge-offs | 80.7018% | 2,653 |
| Earnings coverage of net charge-offs (x) | 27.9905% | 1,548 |
| Efficiency ratio | 62.8953% | 4,089 |
| Assets per employee ($millions) | 3.7668% | 4,365 |
| Cash dividends to net income (ytd only)* | 68.0542% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6379% | 1,360 |
| Loan loss allowance to noncurrent loans | 262.5243% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 3,469 |
| Noncurrent loans to loans | 0.6239% | 3,141 |
| Net loans and leases to total assets | 70.6714% | 2,394 |
| Net loans and leases to deposits | 80.2604% | 2,928 |
| Net loans and leases to core deposits | 82.1800% | 3,265 |
| Total domestic deposits to total assets | 88.0527% | 1,376 |
| Equity capital to assets | 10.5834% | 3,472 |
| Core capital (leverage) ratio | 10.7461% | 2,734 |
| Tier 1 risk-based capital ratio | 17.4756% | 2,089 |
| Total risk-based capital ratio | 18.7345% | 2,047 |
| Memoranda: | ||
| Average total assets | $226,479,000 | 2,707 |
| Average earning assets | $214,747,000 | 2,660 |
| Average equity | $23,984,250 | 2,818 |
| Average total loans | $163,512,750 | 2,482 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6619% | 1,140 |
| Cost of funding earning assets | 0.2825% | 4,322 |
| Net interest margin | 4.3794% | 791 |
| Noninterest income to average assets | 0.8341% | 1,601 |
| Noninterest expense to average assets | 3.1911% | 1,834 |
| Loan and lease loss provision to assets | 0.0390% | 3,374 |
| Net operating income to assets | 1.7579% | 517 |
| Return on assets (ROA) | 1.7579% | 548 |
| Pretax return on assets | 1.7579% | 965 |
| Return on Equity (ROE) | 16.5962% | 472 |
| Retained earnings to average equity (ytd only) | 5.7806% | 2,253 |
| Net charge-offs to loans | 0.0491% | 2,500 |
| Credit loss provision to net charge-offs | 110.0000% | 1,960 |
| Earnings coverage of net charge-offs (x) | 50.6250% | 987 |
| Efficiency ratio | 63.9744% | 4,020 |
| Assets per employee ($millions) | 3.8095% | 4,248 |
| Cash dividends to net income (ytd only)* | 65.1691% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6611% | 1,365 |
| Loan loss allowance to noncurrent loans | 246.3899% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.5058% | 3,525 |
| Noncurrent loans to loans | 0.6742% | 3,047 |
| Net loans and leases to total assets | 70.7101% | 2,366 |
| Net loans and leases to deposits | 80.2431% | 2,900 |
| Net loans and leases to core deposits | 82.1674% | 3,252 |
| Total domestic deposits to total assets | 88.1199% | 1,372 |
| Equity capital to assets | 10.5291% | 3,608 |
| Core capital (leverage) ratio | 10.6509% | 2,792 |
| Tier 1 risk-based capital ratio | 17.1508% | 2,166 |
| Total risk-based capital ratio | 18.4096% | 2,125 |
| Memoranda: | ||
| Average total assets | $225,380,000 | 2,732 |
| Average earning assets | $213,773,330 | 2,675 |
| Average equity | $23,873,000 | 2,845 |
| Average total loans | $162,987,000 | 2,497 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6641% | 1,120 |
| Cost of funding earning assets | 0.2809% | 4,378 |
| Net interest margin | 4.3832% | 768 |
| Noninterest income to average assets | 0.8097% | 1,586 |
| Noninterest expense to average assets | 3.2263% | 1,770 |
| Loan and lease loss provision to assets | 0.0375% | 3,157 |
| Net operating income to assets | 1.7016% | 576 |
| Return on assets (ROA) | 1.7016% | 616 |
| Pretax return on assets | 1.7016% | 1,065 |
| Return on Equity (ROE) | 16.0158% | 531 |
| Retained earnings to average equity (ytd only) | 16.0158% | 192 |
| Net charge-offs to loans | 0.0394% | 2,210 |
| Credit loss provision to net charge-offs | 131.2500% | 1,360 |
| Earnings coverage of net charge-offs (x) | 60.8125% | 771 |
| Efficiency ratio | 64.9748% | 3,980 |
| Assets per employee ($millions) | 3.6447% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6849% | 1,398 |
| Loan loss allowance to noncurrent loans | 282.7122% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.4487% | 3,794 |
| Noncurrent loans to loans | 0.5960% | 3,397 |
| Net loans and leases to total assets | 70.5217% | 2,263 |
| Net loans and leases to deposits | 80.0808% | 2,781 |
| Net loans and leases to core deposits | 82.1426% | 3,119 |
| Total domestic deposits to total assets | 88.0632% | 1,605 |
| Equity capital to assets | 10.7451% | 3,209 |
| Core capital (leverage) ratio | 10.9194% | 2,476 |
| Tier 1 risk-based capital ratio | 17.5812% | 2,098 |
| Total risk-based capital ratio | 18.8402% | 2,066 |
| Memoranda: | ||
| Average total assets | $223,786,500 | 2,750 |
| Average earning assets | $212,176,000 | 2,696 |
| Average equity | $23,776,500 | 2,854 |
| Average total loans | $162,305,500 | 2,503 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8385% | 865 |
| Cost of funding earning assets | 0.2861% | 4,405 |
| Net interest margin | 4.5524% | 602 |
| Noninterest income to average assets | 0.8980% | 1,447 |
| Noninterest expense to average assets | 3.1657% | 2,047 |
| Loan and lease loss provision to assets | 0.0469% | 3,386 |
| Net operating income to assets | 2.0033% | 342 |
| Return on assets (ROA) | 2.0033% | 350 |
| Pretax return on assets | 2.0033% | 536 |
| Return on Equity (ROE) | 19.0630% | 303 |
| Retained earnings to average equity (ytd only) | 7.0605% | 1,256 |
| Net charge-offs to loans | 0.0749% | 2,756 |
| Credit loss provision to net charge-offs | 84.0336% | 2,882 |
| Earnings coverage of net charge-offs (x) | 36.7563% | 1,258 |
| Efficiency ratio | 60.6937% | 4,802 |
| Assets per employee ($millions) | 3.6328% | 4,588 |
| Cash dividends to net income (ytd only)* | 62.9621% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6773% | 1,403 |
| Loan loss allowance to noncurrent loans | 357.7428% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.4436% | 3,842 |
| Noncurrent loans to loans | 0.4689% | 3,785 |
| Net loans and leases to total assets | 72.1092% | 2,034 |
| Net loans and leases to deposits | 81.9347% | 2,594 |
| Net loans and leases to core deposits | 84.0915% | 2,956 |
| Total domestic deposits to total assets | 88.0081% | 1,625 |
| Equity capital to assets | 10.5018% | 3,360 |
| Core capital (leverage) ratio | 10.7004% | 2,707 |
| Tier 1 risk-based capital ratio | 17.0078% | 2,279 |
| Total risk-based capital ratio | 18.2669% | 2,224 |
| Memoranda: | ||
| Average total assets | $213,352,400 | 2,804 |
| Average earning assets | $202,354,400 | 2,756 |
| Average equity | $22,420,400 | 2,924 |
| Average total loans | $158,907,200 | 2,488 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8483% | 857 |
| Cost of funding earning assets | 0.2868% | 4,481 |
| Net interest margin | 4.5615% | 580 |
| Noninterest income to average assets | 0.8866% | 1,491 |
| Noninterest expense to average assets | 3.1697% | 2,048 |
| Loan and lease loss provision to assets | 0.0568% | 3,051 |
| Net operating income to assets | 1.9852% | 373 |
| Return on assets (ROA) | 1.9852% | 384 |
| Pretax return on assets | 1.9852% | 611 |
| Return on Equity (ROE) | 18.8880% | 342 |
| Retained earnings to average equity (ytd only) | 2.7257% | 4,476 |
| Net charge-offs to loans | 0.0489% | 2,915 |
| Credit loss provision to net charge-offs | 155.1724% | 1,638 |
| Earnings coverage of net charge-offs (x) | 55.7941% | 966 |
| Efficiency ratio | 60.8185% | 4,773 |
| Assets per employee ($millions) | 3.4182% | 4,948 |
| Cash dividends to net income (ytd only)* | 85.5689% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7324% | 1,400 |
| Loan loss allowance to noncurrent loans | 227.2504% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.6384% | 3,345 |
| Noncurrent loans to loans | 0.7623% | 3,057 |
| Net loans and leases to total assets | 74.3284% | 1,674 |
| Net loans and leases to deposits | 84.6303% | 2,327 |
| Net loans and leases to core deposits | 86.7859% | 2,776 |
| Total domestic deposits to total assets | 87.8272% | 1,645 |
| Equity capital to assets | 10.5091% | 3,593 |
| Core capital (leverage) ratio | 10.3268% | 3,224 |
| Tier 1 risk-based capital ratio | 16.4594% | 2,598 |
| Total risk-based capital ratio | 17.7192% | 2,551 |
| Memoranda: | ||
| Average total assets | $211,290,500 | 2,848 |
| Average earning assets | $200,340,250 | 2,797 |
| Average equity | $22,207,500 | 2,966 |
| Average total loans | $158,004,000 | 2,503 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8074% | 881 |
| Cost of funding earning assets | 0.2868% | 4,538 |
| Net interest margin | 4.5205% | 616 |
| Noninterest income to average assets | 0.8679% | 1,546 |
| Noninterest expense to average assets | 3.1240% | 2,180 |
| Loan and lease loss provision to assets | 0.0569% | 2,961 |
| Net operating income to assets | 1.9727% | 382 |
| Return on assets (ROA) | 1.9727% | 398 |
| Pretax return on assets | 1.9727% | 627 |
| Return on Equity (ROE) | 18.7686% | 353 |
| Retained earnings to average equity (ytd only) | 4.4082% | 3,208 |
| Net charge-offs to loans | 0.0471% | 2,758 |
| Credit loss provision to net charge-offs | 162.1622% | 1,455 |
| Earnings coverage of net charge-offs (x) | 57.8919% | 857 |
| Efficiency ratio | 60.6178% | 4,890 |
| Assets per employee ($millions) | 3.5351% | 4,728 |
| Cash dividends to net income (ytd only)* | 76.5130% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7354% | 1,528 |
| Loan loss allowance to noncurrent loans | 282.4490% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4985% | 3,955 |
| Noncurrent loans to loans | 0.6144% | 3,624 |
| Net loans and leases to total assets | 72.6840% | 1,866 |
| Net loans and leases to deposits | 82.5956% | 2,483 |
| Net loans and leases to core deposits | 84.7693% | 2,906 |
| Total domestic deposits to total assets | 87.9999% | 1,655 |
| Equity capital to assets | 10.3256% | 3,656 |
| Core capital (leverage) ratio | 10.2885% | 3,229 |
| Tier 1 risk-based capital ratio | 16.5994% | 2,568 |
| Total risk-based capital ratio | 17.8596% | 2,516 |
| Memoranda: | ||
| Average total assets | $211,077,000 | 2,872 |
| Average earning assets | $200,109,670 | 2,816 |
| Average equity | $22,186,000 | 2,980 |
| Average total loans | $157,238,000 | 2,519 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7941% | 872 |
| Cost of funding earning assets | 0.2811% | 4,660 |
| Net interest margin | 4.5131% | 593 |
| Noninterest income to average assets | 0.7835% | 1,768 |
| Noninterest expense to average assets | 3.1284% | 2,183 |
| Loan and lease loss provision to assets | 0.0575% | 2,783 |
| Net operating income to assets | 1.8736% | 424 |
| Return on assets (ROA) | 1.8736% | 449 |
| Pretax return on assets | 1.8736% | 751 |
| Return on Equity (ROE) | 17.6646% | 421 |
| Retained earnings to average equity (ytd only) | 14.9553% | 289 |
| Net charge-offs to loans | 0.0871% | 1,849 |
| Credit loss provision to net charge-offs | 88.2353% | 1,756 |
| Earnings coverage of net charge-offs (x) | 29.6471% | 1,160 |
| Efficiency ratio | 61.8326% | 4,824 |
| Assets per employee ($millions) | 3.9555% | 4,048 |
| Cash dividends to net income (ytd only)* | 15.3374% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7543% | 1,606 |
| Loan loss allowance to noncurrent loans | 343.0538% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.4635% | 4,176 |
| Noncurrent loans to loans | 0.5114% | 4,046 |
| Net loans and leases to total assets | 71.8673% | 1,825 |
| Net loans and leases to deposits | 81.9314% | 2,341 |
| Net loans and leases to core deposits | 83.9366% | 2,777 |
| Total domestic deposits to total assets | 87.7165% | 1,978 |
| Equity capital to assets | 10.5934% | 3,433 |
| Core capital (leverage) ratio | 10.8145% | 2,609 |
| Tier 1 risk-based capital ratio | 17.4494% | 2,318 |
| Total risk-based capital ratio | 18.7100% | 2,271 |
| Memoranda: | ||
| Average total assets | $208,796,000 | 2,923 |
| Average earning assets | $197,825,000 | 2,860 |
| Average equity | $22,146,000 | 3,005 |
| Average total loans | $156,105,500 | 2,538 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1682% | 553 |
| Cost of funding earning assets | 0.3033% | 4,757 |
| Net interest margin | 4.8650% | 380 |
| Noninterest income to average assets | 0.8571% | 1,654 |
| Noninterest expense to average assets | 3.2239% | 2,147 |
| Loan and lease loss provision to assets | 0.0608% | 3,309 |
| Net operating income to assets | 2.1608% | 242 |
| Return on assets (ROA) | 2.1608% | 245 |
| Pretax return on assets | 2.1608% | 351 |
| Return on Equity (ROE) | 20.3149% | 235 |
| Retained earnings to average equity (ytd only) | 5.8831% | 1,996 |
| Net charge-offs to loans | 0.0997% | 3,085 |
| Credit loss provision to net charge-offs | 78.9474% | 2,885 |
| Earnings coverage of net charge-offs (x) | 28.8684% | 1,381 |
| Efficiency ratio | 59.2042% | 5,319 |
| Assets per employee ($millions) | 3.7777% | 4,390 |
| Cash dividends to net income (ytd only)* | 71.0403% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7600% | 1,629 |
| Loan loss allowance to noncurrent loans | 714.8438% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 4,968 |
| Noncurrent loans to loans | 0.2462% | 4,949 |
| Net loans and leases to total assets | 75.1089% | 1,401 |
| Net loans and leases to deposits | 85.5868% | 2,032 |
| Net loans and leases to core deposits | 87.8878% | 2,512 |
| Total domestic deposits to total assets | 87.7577% | 1,891 |
| Equity capital to assets | 10.6203% | 3,332 |
| Core capital (leverage) ratio | 10.7455% | 2,673 |
| Tier 1 risk-based capital ratio | 16.8615% | 2,569 |
| Total risk-based capital ratio | 18.1222% | 2,508 |
| Memoranda: | ||
| Average total assets | $197,522,200 | 3,026 |
| Average earning assets | $186,291,400 | 2,955 |
| Average equity | $21,009,200 | 3,053 |
| Average total loans | $152,491,000 | 2,542 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2023% | 522 |
| Cost of funding earning assets | 0.3070% | 4,822 |
| Net interest margin | 4.8953% | 348 |
| Noninterest income to average assets | 0.9181% | 1,455 |
| Noninterest expense to average assets | 3.3839% | 1,712 |
| Loan and lease loss provision to assets | 0.0613% | 3,134 |
| Net operating income to assets | 2.0853% | 294 |
| Return on assets (ROA) | 2.0853% | 302 |
| Pretax return on assets | 2.0853% | 471 |
| Return on Equity (ROE) | 19.5979% | 306 |
| Retained earnings to average equity (ytd only) | 2.2003% | 4,957 |
| Net charge-offs to loans | 0.0747% | 3,130 |
| Credit loss provision to net charge-offs | 105.8824% | 2,098 |
| Earnings coverage of net charge-offs (x) | 37.1061% | 1,189 |
| Efficiency ratio | 61.1863% | 5,008 |
| Assets per employee ($millions) | 3.5988% | 4,681 |
| Cash dividends to net income (ytd only)* | 88.7730% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8177% | 1,656 |
| Loan loss allowance to noncurrent loans | 715.1671% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 4,986 |
| Noncurrent loans to loans | 0.2542% | 5,146 |
| Net loans and leases to total assets | 75.9185% | 1,235 |
| Net loans and leases to deposits | 86.6387% | 1,838 |
| Net loans and leases to core deposits | 89.0450% | 2,320 |
| Total domestic deposits to total assets | 87.6266% | 1,965 |
| Equity capital to assets | 10.4844% | 3,584 |
| Core capital (leverage) ratio | 10.5411% | 2,998 |
| Tier 1 risk-based capital ratio | 16.4500% | 2,832 |
| Total risk-based capital ratio | 17.7114% | 2,781 |
| Memoranda: | ||
| Average total assets | $195,903,500 | 3,063 |
| Average earning assets | $184,579,750 | 3,005 |
| Average equity | $20,845,250 | 3,079 |
| Average total loans | $151,622,500 | 2,553 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1957% | 514 |
| Cost of funding earning assets | 0.3058% | 4,915 |
| Net interest margin | 4.8899% | 350 |
| Noninterest income to average assets | 0.9251% | 1,409 |
| Noninterest expense to average assets | 3.4042% | 1,671 |
| Loan and lease loss provision to assets | 0.0615% | 3,036 |
| Net operating income to assets | 2.0622% | 293 |
| Return on assets (ROA) | 2.0622% | 308 |
| Pretax return on assets | 2.0622% | 474 |
| Return on Equity (ROE) | 19.2850% | 339 |
| Retained earnings to average equity (ytd only) | 3.4489% | 4,006 |
| Net charge-offs to loans | 0.0900% | 2,782 |
| Credit loss provision to net charge-offs | 88.2353% | 2,212 |
| Earnings coverage of net charge-offs (x) | 30.4853% | 1,247 |
| Efficiency ratio | 61.5827% | 5,065 |
| Assets per employee ($millions) | 3.5197% | 4,806 |
| Cash dividends to net income (ytd only)* | 82.1162% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8164% | 1,805 |
| Loan loss allowance to noncurrent loans | 537.6699% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.4033% | 4,802 |
| Noncurrent loans to loans | 0.3378% | 5,003 |
| Net loans and leases to total assets | 75.9364% | 1,176 |
| Net loans and leases to deposits | 86.7353% | 1,743 |
| Net loans and leases to core deposits | 89.3437% | 2,182 |
| Total domestic deposits to total assets | 87.5497% | 2,170 |
| Equity capital to assets | 10.5534% | 3,376 |
| Core capital (leverage) ratio | 10.5172% | 2,925 |
| Tier 1 risk-based capital ratio | 16.6355% | 2,767 |
| Total risk-based capital ratio | 17.8973% | 2,730 |
| Memoranda: | ||
| Average total assets | $195,227,330 | 3,089 |
| Average earning assets | $183,765,670 | 3,034 |
| Average equity | $20,876,330 | 3,075 |
| Average total loans | $151,147,000 | 2,564 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1528% | 533 |
| Cost of funding earning assets | 0.3062% | 5,002 |
| Net interest margin | 4.8466% | 356 |
| Noninterest income to average assets | 0.9306% | 1,303 |
| Noninterest expense to average assets | 3.3929% | 1,721 |
| Loan and lease loss provision to assets | 0.0597% | 2,915 |
| Net operating income to assets | 2.0403% | 316 |
| Return on assets (ROA) | 2.0403% | 328 |
| Pretax return on assets | 2.0403% | 490 |
| Return on Equity (ROE) | 18.9538% | 370 |
| Retained earnings to average equity (ytd only) | 17.9975% | 183 |
| Net charge-offs to loans | 0.1223% | 1,990 |
| Credit loss provision to net charge-offs | 63.0435% | 2,078 |
| Earnings coverage of net charge-offs (x) | 22.1739% | 1,261 |
| Efficiency ratio | 61.7691% | 5,159 |
| Assets per employee ($millions) | 3.4875% | 4,948 |
| Cash dividends to net income (ytd only)* | 5.0454% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8280% | 1,961 |
| Loan loss allowance to noncurrent loans | 478.3362% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 5,180 |
| Noncurrent loans to loans | 0.3822% | 4,976 |
| Net loans and leases to total assets | 74.5620% | 1,178 |
| Net loans and leases to deposits | 85.4063% | 1,679 |
| Net loans and leases to core deposits | 88.1083% | 2,080 |
| Total domestic deposits to total assets | 87.3026% | 2,637 |
| Equity capital to assets | 10.7400% | 2,994 |
| Core capital (leverage) ratio | 11.0243% | 2,367 |
| Tier 1 risk-based capital ratio | 17.0149% | 2,680 |
| Total risk-based capital ratio | 18.2704% | 2,634 |
| Memoranda: | ||
| Average total assets | $194,289,500 | 3,117 |
| Average earning assets | $182,891,500 | 3,067 |
| Average equity | $20,914,000 | 3,063 |
| Average total loans | $150,499,500 | 2,572 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4228% | 414 |
| Cost of funding earning assets | 0.3165% | 5,452 |
| Net interest margin | 5.1062% | 256 |
| Noninterest income to average assets | 0.9960% | 1,406 |
| Noninterest expense to average assets | 3.5001% | 1,646 |
| Loan and lease loss provision to assets | 0.0827% | 3,464 |
| Net operating income to assets | 2.1935% | 243 |
| Return on assets (ROA) | 2.1935% | 248 |
| Pretax return on assets | 2.1935% | 318 |
| Return on Equity (ROE) | 21.0772% | 229 |
| Retained earnings to average equity (ytd only) | 8.3585% | 939 |
| Net charge-offs to loans | 0.0495% | 4,529 |
| Credit loss provision to net charge-offs | 216.6667% | 1,066 |
| Earnings coverage of net charge-offs (x) | 59.6389% | 690 |
| Efficiency ratio | 60.5947% | 5,400 |
| Assets per employee ($millions) | 3.3891% | 5,115 |
| Cash dividends to net income (ytd only)* | 60.3432% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8511% | 1,919 |
| Loan loss allowance to noncurrent loans | 515.2134% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.3188% | 5,303 |
| Noncurrent loans to loans | 0.3593% | 5,109 |
| Net loans and leases to total assets | 77.5810% | 874 |
| Net loans and leases to deposits | 88.9357% | 1,359 |
| Net loans and leases to core deposits | 91.8838% | 1,805 |
| Total domestic deposits to total assets | 87.2327% | 2,612 |
| Equity capital to assets | 10.7898% | 2,831 |
| Core capital (leverage) ratio | 10.9018% | 2,474 |
| Tier 1 risk-based capital ratio | 16.5526% | 2,824 |
| Total risk-based capital ratio | 17.8149% | 2,787 |
| Memoranda: | ||
| Average total assets | $188,651,000 | 3,177 |
| Average earning assets | $176,607,800 | 3,120 |
| Average equity | $19,632,600 | 3,196 |
| Average total loans | $145,510,400 | 2,622 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4277% | 417 |
| Cost of funding earning assets | 0.3203% | 5,552 |
| Net interest margin | 5.1074% | 253 |
| Noninterest income to average assets | 0.9980% | 1,460 |
| Noninterest expense to average assets | 3.5002% | 1,613 |
| Loan and lease loss provision to assets | 0.0694% | 3,676 |
| Net operating income to assets | 2.2020% | 257 |
| Return on assets (ROA) | 2.2020% | 265 |
| Pretax return on assets | 2.2020% | 382 |
| Return on Equity (ROE) | 21.3575% | 231 |
| Retained earnings to average equity (ytd only) | 4.5791% | 3,416 |
| Net charge-offs to loans | 0.0489% | 4,202 |
| Credit loss provision to net charge-offs | 184.9057% | 1,308 |
| Earnings coverage of net charge-offs (x) | 60.5514% | 754 |
| Efficiency ratio | 60.6451% | 5,340 |
| Assets per employee ($millions) | 3.3305% | 5,227 |
| Cash dividends to net income (ytd only)* | 78.5600% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8468% | 2,153 |
| Loan loss allowance to noncurrent loans | 740.0000% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 5,614 |
| Noncurrent loans to loans | 0.2496% | 5,604 |
| Net loans and leases to total assets | 78.0240% | 742 |
| Net loans and leases to deposits | 90.8439% | 1,079 |
| Net loans and leases to core deposits | 93.5544% | 1,618 |
| Total domestic deposits to total assets | 85.8880% | 3,325 |
| Equity capital to assets | 10.4623% | 3,324 |
| Core capital (leverage) ratio | 10.5174% | 2,986 |
| Tier 1 risk-based capital ratio | 15.8888% | 3,255 |
| Total risk-based capital ratio | 17.1048% | 3,221 |
| Memoranda: | ||
| Average total assets | $188,366,250 | 3,210 |
| Average earning assets | $176,054,750 | 3,157 |
| Average equity | $19,421,250 | 3,254 |
| Average total loans | $144,383,500 | 2,656 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3552% | 477 |
| Cost of funding earning assets | 0.3253% | 5,611 |
| Net interest margin | 5.0299% | 297 |
| Noninterest income to average assets | 0.9884% | 1,563 |
| Noninterest expense to average assets | 3.4796% | 1,650 |
| Loan and lease loss provision to assets | 0.0794% | 3,473 |
| Net operating income to assets | 2.1420% | 287 |
| Return on assets (ROA) | 2.1420% | 301 |
| Pretax return on assets | 2.1420% | 466 |
| Return on Equity (ROE) | 20.8760% | 258 |
| Retained earnings to average equity (ytd only) | 5.8379% | 2,530 |
| Net charge-offs to loans | 0.0112% | 4,649 |
| Credit loss provision to net charge-offs | 937.5000% | 329 |
| Earnings coverage of net charge-offs (x) | 262.3750% | 195 |
| Efficiency ratio | 61.0358% | 5,327 |
| Assets per employee ($millions) | 3.3632% | 5,146 |
| Cash dividends to net income (ytd only)* | 72.0356% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9053% | 2,102 |
| Loan loss allowance to noncurrent loans | 596.1123% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 5,514 |
| Noncurrent loans to loans | 0.3196% | 5,494 |
| Net loans and leases to total assets | 75.4483% | 1,046 |
| Net loans and leases to deposits | 86.2791% | 1,547 |
| Net loans and leases to core deposits | 88.6623% | 2,038 |
| Total domestic deposits to total assets | 87.4467% | 2,566 |
| Equity capital to assets | 10.3037% | 3,540 |
| Core capital (leverage) ratio | 10.2039% | 3,223 |
| Tier 1 risk-based capital ratio | 16.4326% | 2,965 |
| Total risk-based capital ratio | 17.6960% | 2,918 |
| Memoranda: | ||
| Average total assets | $188,985,670 | 3,207 |
| Average earning assets | $177,060,330 | 3,156 |
| Average equity | $19,390,670 | 3,282 |
| Average total loans | $143,091,670 | 2,669 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3162% | 498 |
| Cost of funding earning assets | 0.3306% | 5,718 |
| Net interest margin | 4.9856% | 302 |
| Noninterest income to average assets | 0.9952% | 1,472 |
| Noninterest expense to average assets | 3.4505% | 1,721 |
| Loan and lease loss provision to assets | 0.0951% | 3,080 |
| Net operating income to assets | 2.1024% | 292 |
| Return on assets (ROA) | 2.1024% | 319 |
| Pretax return on assets | 2.1024% | 490 |
| Return on Equity (ROE) | 20.5335% | 262 |
| Retained earnings to average equity (ytd only) | 20.5335% | 122 |
| Net charge-offs to loans | 0.0281% | 3,637 |
| Credit loss provision to net charge-offs | 450.0000% | 585 |
| Earnings coverage of net charge-offs (x) | 104.0000% | 366 |
| Efficiency ratio | 61.0924% | 5,434 |
| Assets per employee ($millions) | 3.3519% | 5,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9340% | 2,210 |
| Loan loss allowance to noncurrent loans | 1,074.0157% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 5,784 |
| Noncurrent loans to loans | 0.1801% | 5,952 |
| Net loans and leases to total assets | 72.4011% | 1,293 |
| Net loans and leases to deposits | 82.8158% | 1,730 |
| Net loans and leases to core deposits | 85.0715% | 2,208 |
| Total domestic deposits to total assets | 87.4242% | 2,675 |
| Equity capital to assets | 10.4021% | 3,668 |
| Core capital (leverage) ratio | 10.4961% | 2,781 |
| Tier 1 risk-based capital ratio | 17.0399% | 2,729 |
| Total risk-based capital ratio | 18.2932% | 2,703 |
| Memoranda: | ||
| Average total assets | $189,308,000 | 3,233 |
| Average earning assets | $176,667,500 | 3,188 |
| Average equity | $19,383,000 | 3,329 |
| Average total loans | $142,207,500 | 2,692 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6442% | 467 |
| Cost of funding earning assets | 0.3669% | 6,123 |
| Net interest margin | 5.2773% | 240 |
| Noninterest income to average assets | 1.0893% | 1,305 |
| Noninterest expense to average assets | 3.5826% | 1,650 |
| Loan and lease loss provision to assets | 0.2162% | 2,971 |
| Net operating income to assets | 2.2364% | 237 |
| Return on assets (ROA) | 2.2364% | 261 |
| Pretax return on assets | 2.2364% | 379 |
| Return on Equity (ROE) | 22.7573% | 193 |
| Retained earnings to average equity (ytd only) | 11.2247% | 415 |
| Net charge-offs to loans | 0.1375% | 4,315 |
| Credit loss provision to net charge-offs | 206.8421% | 1,235 |
| Earnings coverage of net charge-offs (x) | 23.4632% | 1,218 |
| Efficiency ratio | 59.3619% | 5,638 |
| Assets per employee ($millions) | 3.2338% | 5,554 |
| Cash dividends to net income (ytd only)* | 50.6765% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8785% | 2,357 |
| Loan loss allowance to noncurrent loans | 658.4352% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 5,869 |
| Noncurrent loans to loans | 0.2853% | 5,767 |
| Net loans and leases to total assets | 74.9987% | 1,050 |
| Net loans and leases to deposits | 85.6252% | 1,557 |
| Net loans and leases to core deposits | 87.9701% | 2,088 |
| Total domestic deposits to total assets | 87.5894% | 2,481 |
| Equity capital to assets | 10.0726% | 4,072 |
| Core capital (leverage) ratio | 10.2541% | 3,072 |
| Tier 1 risk-based capital ratio | 16.1114% | 3,099 |
| Total risk-based capital ratio | 17.3746% | 3,044 |
| Memoranda: | ||
| Average total assets | $181,765,800 | 3,288 |
| Average earning assets | $170,350,800 | 3,222 |
| Average equity | $17,862,400 | 3,494 |
| Average total loans | $138,182,800 | 2,737 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6738% | 487 |
| Cost of funding earning assets | 0.3793% | 6,233 |
| Net interest margin | 5.2945% | 245 |
| Noninterest income to average assets | 1.0751% | 1,305 |
| Noninterest expense to average assets | 3.5706% | 1,611 |
| Loan and lease loss provision to assets | 0.1738% | 3,394 |
| Net operating income to assets | 2.2951% | 241 |
| Return on assets (ROA) | 2.2951% | 262 |
| Pretax return on assets | 2.2951% | 403 |
| Return on Equity (ROE) | 23.5079% | 179 |
| Retained earnings to average equity (ytd only) | 7.9067% | 1,649 |
| Net charge-offs to loans | 0.1188% | 4,185 |
| Credit loss provision to net charge-offs | 192.6230% | 1,440 |
| Earnings coverage of net charge-offs (x) | 27.3693% | 1,188 |
| Efficiency ratio | 59.1210% | 5,642 |
| Assets per employee ($millions) | 3.0921% | 5,874 |
| Cash dividends to net income (ytd only)* | 66.3661% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8633% | 2,606 |
| Loan loss allowance to noncurrent loans | 342.0499% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.5503% | 5,292 |
| Noncurrent loans to loans | 0.5447% | 5,352 |
| Net loans and leases to total assets | 76.4425% | 903 |
| Net loans and leases to deposits | 87.3879% | 1,429 |
| Net loans and leases to core deposits | 89.4450% | 2,054 |
| Total domestic deposits to total assets | 87.4749% | 2,365 |
| Equity capital to assets | 10.0115% | 4,480 |
| Core capital (leverage) ratio | 9.8721% | 3,727 |
| Tier 1 risk-based capital ratio | 15.6521% | 3,455 |
| Total risk-based capital ratio | 16.9191% | 3,411 |
| Memoranda: | ||
| Average total assets | $180,317,750 | 3,344 |
| Average earning assets | $169,078,250 | 3,276 |
| Average equity | $17,605,000 | 3,557 |
| Average total loans | $136,888,750 | 2,793 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6493% | 537 |
| Cost of funding earning assets | 0.3938% | 6,306 |
| Net interest margin | 5.2556% | 261 |
| Noninterest income to average assets | 1.0917% | 1,200 |
| Noninterest expense to average assets | 3.5352% | 1,712 |
| Loan and lease loss provision to assets | 0.1738% | 3,367 |
| Net operating income to assets | 2.3184% | 229 |
| Return on assets (ROA) | 2.3184% | 260 |
| Pretax return on assets | 2.3184% | 398 |
| Return on Equity (ROE) | 23.9474% | 182 |
| Retained earnings to average equity (ytd only) | 8.2684% | 1,540 |
| Net charge-offs to loans | 0.1442% | 3,765 |
| Credit loss provision to net charge-offs | 160.2041% | 1,739 |
| Earnings coverage of net charge-offs (x) | 22.9694% | 1,268 |
| Efficiency ratio | 58.6517% | 5,780 |
| Assets per employee ($millions) | 3.2616% | 5,534 |
| Cash dividends to net income (ytd only)* | 65.4728% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8511% | 2,698 |
| Loan loss allowance to noncurrent loans | 285.4423% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.5612% | 5,355 |
| Noncurrent loans to loans | 0.6485% | 5,213 |
| Net loans and leases to total assets | 73.9973% | 1,240 |
| Net loans and leases to deposits | 84.2634% | 1,820 |
| Net loans and leases to core deposits | 86.4921% | 2,364 |
| Total domestic deposits to total assets | 87.8166% | 2,271 |
| Equity capital to assets | 9.6551% | 4,818 |
| Core capital (leverage) ratio | 9.5447% | 4,084 |
| Tier 1 risk-based capital ratio | 15.5164% | 3,429 |
| Total risk-based capital ratio | 16.7778% | 3,388 |
| Memoranda: | ||
| Average total assets | $180,642,330 | 3,345 |
| Average earning assets | $169,648,670 | 3,275 |
| Average equity | $17,488,330 | 3,571 |
| Average total loans | $135,952,330 | 2,817 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6813% | 536 |
| Cost of funding earning assets | 0.4087% | 6,364 |
| Net interest margin | 5.2726% | 266 |
| Noninterest income to average assets | 1.0755% | 1,247 |
| Noninterest expense to average assets | 3.5471% | 1,669 |
| Loan and lease loss provision to assets | 0.2160% | 2,781 |
| Net operating income to assets | 2.2534% | 257 |
| Return on assets (ROA) | 2.2534% | 312 |
| Pretax return on assets | 2.2534% | 490 |
| Return on Equity (ROE) | 23.2443% | 236 |
| Retained earnings to average equity (ytd only) | 22.0959% | 131 |
| Net charge-offs to loans | 0.0829% | 3,672 |
| Credit loss provision to net charge-offs | 346.4286% | 878 |
| Earnings coverage of net charge-offs (x) | 39.6071% | 754 |
| Efficiency ratio | 58.9563% | 5,777 |
| Assets per employee ($millions) | 3.3685% | 5,409 |
| Cash dividends to net income (ytd only)* | 4.9407% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8870% | 2,720 |
| Loan loss allowance to noncurrent loans | 248.2056% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6740% | 5,212 |
| Noncurrent loans to loans | 0.7603% | 5,140 |
| Net loans and leases to total assets | 73.1472% | 1,195 |
| Net loans and leases to deposits | 83.2149% | 1,768 |
| Net loans and leases to core deposits | 85.1431% | 2,392 |
| Total domestic deposits to total assets | 87.9015% | 2,392 |
| Equity capital to assets | 9.8302% | 4,335 |
| Core capital (leverage) ratio | 9.9259% | 3,458 |
| Tier 1 risk-based capital ratio | 15.7752% | 3,301 |
| Total risk-based capital ratio | 17.0359% | 3,261 |
| Memoranda: | ||
| Average total assets | $179,638,500 | 3,383 |
| Average earning assets | $168,342,500 | 3,313 |
| Average equity | $17,415,000 | 3,589 |
| Average total loans | $135,076,000 | 2,852 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8799% | 545 |
| Cost of funding earning assets | 0.5503% | 6,336 |
| Net interest margin | 5.3297% | 229 |
| Noninterest income to average assets | 1.0672% | 1,174 |
| Noninterest expense to average assets | 3.5689% | 1,807 |
| Loan and lease loss provision to assets | 0.2832% | 3,401 |
| Net operating income to assets | 2.2089% | 223 |
| Return on assets (ROA) | 2.2089% | 233 |
| Pretax return on assets | 2.2089% | 364 |
| Return on Equity (ROE) | 23.8151% | 140 |
| Retained earnings to average equity (ytd only) | 11.8185% | 321 |
| Net charge-offs to loans | 0.0954% | 5,394 |
| Credit loss provision to net charge-offs | 388.2813% | 602 |
| Earnings coverage of net charge-offs (x) | 34.1719% | 759 |
| Efficiency ratio | 58.8832% | 5,922 |
| Assets per employee ($millions) | 3.2848% | 5,542 |
| Cash dividends to net income (ytd only)* | 50.3740% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8508% | 2,707 |
| Loan loss allowance to noncurrent loans | 266.0256% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.6619% | 5,326 |
| Noncurrent loans to loans | 0.6957% | 5,310 |
| Net loans and leases to total assets | 74.4450% | 1,189 |
| Net loans and leases to deposits | 84.4784% | 1,861 |
| Net loans and leases to core deposits | 86.6833% | 2,545 |
| Total domestic deposits to total assets | 88.1231% | 2,080 |
| Equity capital to assets | 9.5553% | 4,798 |
| Core capital (leverage) ratio | 9.5026% | 4,022 |
| Tier 1 risk-based capital ratio | 15.2327% | 3,490 |
| Total risk-based capital ratio | 16.4953% | 3,443 |
| Memoranda: | ||
| Average total assets | $175,514,200 | 3,402 |
| Average earning assets | $164,457,200 | 3,327 |
| Average equity | $16,279,600 | 3,680 |
| Average total loans | $134,235,200 | 2,915 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8801% | 584 |
| Cost of funding earning assets | 0.5777% | 6,389 |
| Net interest margin | 5.3024% | 246 |
| Noninterest income to average assets | 1.0702% | 1,174 |
| Noninterest expense to average assets | 3.5494% | 1,812 |
| Loan and lease loss provision to assets | 0.2772% | 3,297 |
| Net operating income to assets | 2.2142% | 251 |
| Return on assets (ROA) | 2.2142% | 267 |
| Pretax return on assets | 2.2142% | 416 |
| Return on Equity (ROE) | 24.0556% | 164 |
| Retained earnings to average equity (ytd only) | 17.1128% | 137 |
| Net charge-offs to loans | 0.0875% | 5,100 |
| Credit loss provision to net charge-offs | 413.6364% | 690 |
| Earnings coverage of net charge-offs (x) | 37.1705% | 812 |
| Efficiency ratio | 58.7568% | 5,897 |
| Assets per employee ($millions) | 3.2174% | 5,635 |
| Cash dividends to net income (ytd only)* | 28.8614% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7923% | 2,974 |
| Loan loss allowance to noncurrent loans | 160.8725% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.9358% | 4,883 |
| Noncurrent loans to loans | 1.1141% | 4,692 |
| Net loans and leases to total assets | 74.2218% | 1,301 |
| Net loans and leases to deposits | 84.6203% | 1,897 |
| Net loans and leases to core deposits | 86.6547% | 2,692 |
| Total domestic deposits to total assets | 87.7116% | 2,226 |
| Equity capital to assets | 9.6832% | 4,800 |
| Core capital (leverage) ratio | 9.6312% | 3,944 |
| Tier 1 risk-based capital ratio | 15.4031% | 3,432 |
| Total risk-based capital ratio | 16.6644% | 3,404 |
| Memoranda: | ||
| Average total assets | $175,048,250 | 3,428 |
| Average earning assets | $164,096,250 | 3,356 |
| Average equity | $16,112,250 | 3,718 |
| Average total loans | $134,159,250 | 2,938 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8740% | 617 |
| Cost of funding earning assets | 0.6051% | 6,431 |
| Net interest margin | 5.2689% | 252 |
| Noninterest income to average assets | 1.1020% | 1,069 |
| Noninterest expense to average assets | 3.4963% | 1,990 |
| Loan and lease loss provision to assets | 0.2764% | 3,166 |
| Net operating income to assets | 2.2716% | 232 |
| Return on assets (ROA) | 2.2716% | 247 |
| Pretax return on assets | 2.2716% | 365 |
| Return on Equity (ROE) | 25.1215% | 131 |
| Retained earnings to average equity (ytd only) | 15.1287% | 240 |
| Net charge-offs to loans | 0.0253% | 5,468 |
| Credit loss provision to net charge-offs | 1,417.6471% | 249 |
| Earnings coverage of net charge-offs (x) | 130.7059% | 271 |
| Efficiency ratio | 57.8448% | 6,183 |
| Assets per employee ($millions) | 3.2397% | 5,547 |
| Cash dividends to net income (ytd only)* | 39.7779% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7482% | 3,158 |
| Loan loss allowance to noncurrent loans | 150.5459% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.9344% | 4,994 |
| Noncurrent loans to loans | 1.1612% | 4,716 |
| Net loans and leases to total assets | 73.9326% | 1,432 |
| Net loans and leases to deposits | 83.7600% | 2,144 |
| Net loans and leases to core deposits | 85.5879% | 2,979 |
| Total domestic deposits to total assets | 88.2672% | 1,986 |
| Equity capital to assets | 9.1316% | 5,381 |
| Core capital (leverage) ratio | 9.0444% | 4,653 |
| Tier 1 risk-based capital ratio | 14.6028% | 3,727 |
| Total risk-based capital ratio | 15.8638% | 3,688 |
| Memoranda: | ||
| Average total assets | $174,412,330 | 3,457 |
| Average earning assets | $163,601,670 | 3,378 |
| Average equity | $15,771,330 | 3,773 |
| Average total loans | $134,300,000 | 2,957 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9311% | 556 |
| Cost of funding earning assets | 0.6423% | 6,416 |
| Net interest margin | 5.2889% | 226 |
| Noninterest income to average assets | 1.0851% | 1,118 |
| Noninterest expense to average assets | 3.4870% | 2,037 |
| Loan and lease loss provision to assets | 0.2782% | 2,929 |
| Net operating income to assets | 2.2837% | 235 |
| Return on assets (ROA) | 2.2837% | 248 |
| Pretax return on assets | 2.2837% | 354 |
| Return on Equity (ROE) | 25.3841% | 157 |
| Retained earnings to average equity (ytd only) | 24.0956% | 113 |
| Net charge-offs to loans | 0.0357% | 4,599 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 92.0833% | 341 |
| Efficiency ratio | 57.6466% | 6,307 |
| Assets per employee ($millions) | 3.1455% | 5,842 |
| Cash dividends to net income (ytd only)* | 5.0761% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 3,495 |
| Loan loss allowance to noncurrent loans | 209.2958% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.6046% | 5,762 |
| Noncurrent loans to loans | 0.7922% | 5,449 |
| Net loans and leases to total assets | 75.0505% | 1,170 |
| Net loans and leases to deposits | 85.1409% | 1,859 |
| Net loans and leases to core deposits | 86.8440% | 2,753 |
| Total domestic deposits to total assets | 88.1486% | 2,290 |
| Equity capital to assets | 9.0770% | 5,082 |
| Core capital (leverage) ratio | 9.1419% | 4,385 |
| Tier 1 risk-based capital ratio | 14.3771% | 3,819 |
| Total risk-based capital ratio | 15.6370% | 3,777 |
| Memoranda: | ||
| Average total assets | $172,526,500 | 3,511 |
| Average earning assets | $161,925,000 | 3,423 |
| Average equity | $15,521,500 | 3,807 |
| Average total loans | $134,410,000 | 2,994 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2665% | 492 |
| Cost of funding earning assets | 0.8120% | 6,511 |
| Net interest margin | 5.4544% | 186 |
| Noninterest income to average assets | 1.0442% | 1,371 |
| Noninterest expense to average assets | 3.6526% | 1,803 |
| Loan and lease loss provision to assets | 0.3554% | 3,997 |
| Net operating income to assets | 2.1242% | 222 |
| Return on assets (ROA) | 2.1242% | 234 |
| Pretax return on assets | 2.1242% | 377 |
| Return on Equity (ROE) | 23.4427% | 128 |
| Retained earnings to average equity (ytd only) | 9.0969% | 679 |
| Net charge-offs to loans | 0.2464% | 4,815 |
| Credit loss provision to net charge-offs | 183.3856% | 1,792 |
| Earnings coverage of net charge-offs (x) | 12.7962% | 1,466 |
| Efficiency ratio | 59.5641% | 6,112 |
| Assets per employee ($millions) | 3.0162% | 6,067 |
| Cash dividends to net income (ytd only)* | 61.1953% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5775% | 3,668 |
| Loan loss allowance to noncurrent loans | 205.8252% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.6311% | 5,737 |
| Noncurrent loans to loans | 0.7664% | 5,516 |
| Net loans and leases to total assets | 78.3109% | 895 |
| Net loans and leases to deposits | 88.4561% | 1,728 |
| Net loans and leases to core deposits | 90.4065% | 2,712 |
| Total domestic deposits to total assets | 88.5308% | 1,932 |
| Equity capital to assets | 8.9127% | 5,267 |
| Core capital (leverage) ratio | 8.8209% | 4,826 |
| Tier 1 risk-based capital ratio | 13.6696% | 4,082 |
| Total risk-based capital ratio | 14.9281% | 4,052 |
| Memoranda: | ||
| Average total assets | $164,623,000 | 3,624 |
| Average earning assets | $153,563,400 | 3,581 |
| Average equity | $14,917,200 | 3,954 |
| Average total loans | $129,489,400 | 3,132 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3013% | 508 |
| Cost of funding earning assets | 0.8390% | 6,619 |
| Net interest margin | 5.4623% | 187 |
| Noninterest income to average assets | 1.0451% | 1,322 |
| Noninterest expense to average assets | 3.6807% | 1,613 |
| Loan and lease loss provision to assets | 0.2959% | 4,210 |
| Net operating income to assets | 2.1530% | 261 |
| Return on assets (ROA) | 2.1530% | 278 |
| Pretax return on assets | 2.1530% | 453 |
| Return on Equity (ROE) | 23.6595% | 148 |
| Retained earnings to average equity (ytd only) | 20.2642% | 76 |
| Net charge-offs to loans | 0.1518% | 5,092 |
| Credit loss provision to net charge-offs | 248.6301% | 1,346 |
| Earnings coverage of net charge-offs (x) | 20.5755% | 1,158 |
| Efficiency ratio | 60.0479% | 5,945 |
| Assets per employee ($millions) | 2.8712% | 6,440 |
| Cash dividends to net income (ytd only)* | 14.3506% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5523% | 3,727 |
| Loan loss allowance to noncurrent loans | 198.1818% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.6727% | 5,771 |
| Noncurrent loans to loans | 0.7833% | 5,646 |
| Net loans and leases to total assets | 80.2522% | 707 |
| Net loans and leases to deposits | 91.7352% | 1,481 |
| Net loans and leases to core deposits | 93.9619% | 2,530 |
| Total domestic deposits to total assets | 87.4825% | 2,272 |
| Equity capital to assets | 9.7856% | 4,432 |
| Core capital (leverage) ratio | 9.6405% | 3,690 |
| Tier 1 risk-based capital ratio | 12.4352% | 5,045 |
| Total risk-based capital ratio | 13.6847% | 5,014 |
| Memoranda: | ||
| Average total assets | $163,552,500 | 3,684 |
| Average earning assets | $152,240,750 | 3,652 |
| Average equity | $14,883,000 | 4,016 |
| Average total loans | $128,264,000 | 3,198 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2667% | 545 |
| Cost of funding earning assets | 0.8577% | 6,735 |
| Net interest margin | 5.4090% | 197 |
| Noninterest income to average assets | 0.9809% | 1,438 |
| Noninterest expense to average assets | 3.6547% | 1,658 |
| Loan and lease loss provision to assets | 0.2935% | 4,035 |
| Net operating income to assets | 2.0622% | 298 |
| Return on assets (ROA) | 2.0622% | 325 |
| Pretax return on assets | 2.0622% | 535 |
| Return on Equity (ROE) | 23.2461% | 166 |
| Retained earnings to average equity (ytd only) | 18.0068% | 128 |
| Net charge-offs to loans | 0.0253% | 5,981 |
| Credit loss provision to net charge-offs | 1,500.0000% | 263 |
| Earnings coverage of net charge-offs (x) | 120.3750% | 279 |
| Efficiency ratio | 60.8059% | 5,893 |
| Assets per employee ($millions) | 2.9332% | 6,290 |
| Cash dividends to net income (ytd only)* | 22.5386% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 3,497 |
| Loan loss allowance to noncurrent loans | 235.0679% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.6946% | 5,758 |
| Noncurrent loans to loans | 0.6761% | 5,898 |
| Net loans and leases to total assets | 78.3350% | 1,054 |
| Net loans and leases to deposits | 91.6292% | 1,594 |
| Net loans and leases to core deposits | 93.6056% | 2,782 |
| Total domestic deposits to total assets | 85.4913% | 3,373 |
| Equity capital to assets | 9.1915% | 5,157 |
| Core capital (leverage) ratio | 9.0261% | 4,559 |
| Tier 1 risk-based capital ratio | 11.8677% | 5,427 |
| Total risk-based capital ratio | 13.1129% | 5,403 |
| Memoranda: | ||
| Average total assets | $163,517,000 | 3,714 |
| Average earning assets | $152,042,670 | 3,670 |
| Average equity | $14,505,670 | 4,085 |
| Average total loans | $126,548,330 | 3,270 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1888% | 655 |
| Cost of funding earning assets | 0.8668% | 6,883 |
| Net interest margin | 5.3220% | 235 |
| Noninterest income to average assets | 0.9268% | 1,522 |
| Noninterest expense to average assets | 3.6287% | 1,669 |
| Loan and lease loss provision to assets | 0.2942% | 3,674 |
| Net operating income to assets | 1.9565% | 374 |
| Return on assets (ROA) | 1.9565% | 405 |
| Pretax return on assets | 1.9565% | 657 |
| Return on Equity (ROE) | 22.4638% | 255 |
| Retained earnings to average equity (ytd only) | 22.4638% | 142 |
| Net charge-offs to loans | -0.0032% | 6,781 |
| Credit loss provision to net charge-offs | -12,000.0000% | 6,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7181% | 5,886 |
| Assets per employee ($millions) | 2.8828% | 6,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5728% | 3,564 |
| Loan loss allowance to noncurrent loans | 171.2923% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.8343% | 5,486 |
| Noncurrent loans to loans | 0.9182% | 5,480 |
| Net loans and leases to total assets | 75.2174% | 1,694 |
| Net loans and leases to deposits | 86.1688% | 2,555 |
| Net loans and leases to core deposits | 89.3643% | 3,451 |
| Total domestic deposits to total assets | 87.2907% | 2,470 |
| Equity capital to assets | 8.8717% | 5,443 |
| Core capital (leverage) ratio | 8.7706% | 4,900 |
| Tier 1 risk-based capital ratio | 13.8850% | 3,736 |
| Total risk-based capital ratio | 15.1430% | 3,693 |
| Memoranda: | ||
| Average total assets | $163,145,500 | 3,780 |
| Average earning assets | $151,823,500 | 3,728 |
| Average equity | $14,209,500 | 4,195 |
| Average total loans | $124,447,000 | 3,374 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4390% | 755 |
| Cost of funding earning assets | 1.0880% | 7,013 |
| Net interest margin | 5.3510% | 229 |
| Noninterest income to average assets | 0.8857% | 2,004 |
| Noninterest expense to average assets | 3.6032% | 2,136 |
| Loan and lease loss provision to assets | 0.2288% | 5,538 |
| Net operating income to assets | 2.0324% | 216 |
| Return on assets (ROA) | 2.0619% | 218 |
| Pretax return on assets | 2.0619% | 361 |
| Return on Equity (ROE) | 24.2747% | 104 |
| Retained earnings to average equity (ytd only) | 9.5419% | 422 |
| Net charge-offs to loans | 0.1974% | 5,413 |
| Credit loss provision to net charge-offs | 154.7826% | 2,945 |
| Earnings coverage of net charge-offs (x) | 15.2957% | 1,314 |
| Efficiency ratio | 61.4423% | 6,253 |
| Assets per employee ($millions) | 2.8923% | 6,469 |
| Cash dividends to net income (ytd only)* | 60.6920% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 3,708 |
| Loan loss allowance to noncurrent loans | 189.9590% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.7372% | 5,633 |
| Noncurrent loans to loans | 0.7914% | 5,696 |
| Net loans and leases to total assets | 74.9935% | 2,032 |
| Net loans and leases to deposits | 85.1510% | 3,057 |
| Net loans and leases to core deposits | 98.2044% | 4,203 |
| Total domestic deposits to total assets | 88.0712% | 1,942 |
| Equity capital to assets | 8.5454% | 5,818 |
| Core capital (leverage) ratio | 8.4046% | 5,428 |
| Tier 1 risk-based capital ratio | 13.3124% | 3,939 |
| Total risk-based capital ratio | 14.5694% | 3,878 |
| Memoranda: | ||
| Average total assets | $155,583,200 | 3,870 |
| Average earning assets | $144,759,000 | 3,797 |
| Average equity | $13,215,400 | 4,451 |
| Average total loans | $116,517,000 | 3,558 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4399% | 855 |
| Cost of funding earning assets | 1.1528% | 7,036 |
| Net interest margin | 5.2871% | 258 |
| Noninterest income to average assets | 0.8806% | 2,056 |
| Noninterest expense to average assets | 3.5881% | 2,051 |
| Loan and lease loss provision to assets | 0.0857% | 6,507 |
| Net operating income to assets | 2.1309% | 220 |
| Return on assets (ROA) | 2.1707% | 216 |
| Pretax return on assets | 2.1707% | 377 |
| Return on Equity (ROE) | 25.5960% | 102 |
| Retained earnings to average equity (ytd only) | 7.4430% | 1,330 |
| Net charge-offs to loans | 0.2044% | 4,767 |
| Credit loss provision to net charge-offs | 56.2500% | 6,225 |
| Earnings coverage of net charge-offs (x) | 14.5455% | 1,596 |
| Efficiency ratio | 61.8138% | 6,149 |
| Assets per employee ($millions) | 2.8915% | 6,430 |
| Cash dividends to net income (ytd only)* | 70.9216% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 3,958 |
| Loan loss allowance to noncurrent loans | 330.8617% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.4571% | 6,313 |
| Noncurrent loans to loans | 0.4225% | 6,490 |
| Net loans and leases to total assets | 73.2340% | 2,730 |
| Net loans and leases to deposits | 83.8739% | 3,669 |
| Net loans and leases to core deposits | 95.1799% | 4,913 |
| Total domestic deposits to total assets | 87.3143% | 2,005 |
| Equity capital to assets | 8.4097% | 6,372 |
| Core capital (leverage) ratio | 8.3342% | 5,773 |
| Tier 1 risk-based capital ratio | 13.2823% | 3,996 |
| Total risk-based capital ratio | 14.5376% | 3,945 |
| Memoranda: | ||
| Average total assets | $153,986,500 | 3,910 |
| Average earning assets | $143,415,000 | 3,853 |
| Average equity | $13,059,000 | 4,522 |
| Average total loans | $114,816,000 | 3,617 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4490% | 917 |
| Cost of funding earning assets | 1.2347% | 7,003 |
| Net interest margin | 5.2143% | 292 |
| Noninterest income to average assets | 0.8430% | 2,202 |
| Noninterest expense to average assets | 3.5061% | 2,322 |
| Loan and lease loss provision to assets | 0.1300% | 5,798 |
| Net operating income to assets | 2.0538% | 264 |
| Return on assets (ROA) | 2.1142% | 250 |
| Pretax return on assets | 2.1142% | 419 |
| Return on Equity (ROE) | 24.8572% | 138 |
| Retained earnings to average equity (ytd only) | 7.0866% | 1,547 |
| Net charge-offs to loans | 0.2796% | 3,798 |
| Credit loss provision to net charge-offs | 62.2642% | 5,557 |
| Earnings coverage of net charge-offs (x) | 10.4591% | 1,993 |
| Efficiency ratio | 61.6201% | 6,296 |
| Assets per employee ($millions) | 2.9851% | 6,173 |
| Cash dividends to net income (ytd only)* | 71.4907% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 3,531 |
| Loan loss allowance to noncurrent loans | 311.1940% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 6,631 |
| Noncurrent loans to loans | 0.4622% | 6,371 |
| Net loans and leases to total assets | 70.9102% | 3,485 |
| Net loans and leases to deposits | 81.4803% | 4,304 |
| Net loans and leases to core deposits | 92.3840% | 5,305 |
| Total domestic deposits to total assets | 87.0274% | 2,238 |
| Equity capital to assets | 8.0549% | 6,683 |
| Core capital (leverage) ratio | 8.3283% | 5,747 |
| Tier 1 risk-based capital ratio | 13.1858% | 4,008 |
| Total risk-based capital ratio | 14.4398% | 3,928 |
| Memoranda: | ||
| Average total assets | $152,305,330 | 3,959 |
| Average earning assets | $141,572,330 | 3,913 |
| Average equity | $12,954,000 | 4,555 |
| Average total loans | $113,716,330 | 3,682 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5741% | 749 |
| Cost of funding earning assets | 1.3462% | 6,885 |
| Net interest margin | 5.2279% | 270 |
| Noninterest income to average assets | 0.8332% | 2,162 |
| Noninterest expense to average assets | 3.5168% | 2,055 |
| Loan and lease loss provision to assets | 0.1326% | 5,264 |
| Net operating income to assets | 2.0479% | 323 |
| Return on assets (ROA) | 2.1723% | 283 |
| Pretax return on assets | 2.1723% | 464 |
| Return on Equity (ROE) | 24.8242% | 196 |
| Retained earnings to average equity (ytd only) | 16.6628% | 293 |
| Net charge-offs to loans | 0.4761% | 2,259 |
| Credit loss provision to net charge-offs | 36.5672% | 4,864 |
| Earnings coverage of net charge-offs (x) | 6.0149% | 2,563 |
| Efficiency ratio | 61.7284% | 6,106 |
| Assets per employee ($millions) | 2.5714% | 7,147 |
| Cash dividends to net income (ytd only)* | 32.8767% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 3,217 |
| Loan loss allowance to noncurrent loans | 204.2236% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.5471% | 5,830 |
| Noncurrent loans to loans | 0.7112% | 5,632 |
| Net loans and leases to total assets | 74.7935% | 2,557 |
| Net loans and leases to deposits | 85.5724% | 3,708 |
| Net loans and leases to core deposits | 98.1073% | 4,730 |
| Total domestic deposits to total assets | 87.4038% | 2,012 |
| Equity capital to assets | 8.8206% | 5,585 |
| Core capital (leverage) ratio | 8.5560% | 5,417 |
| Tier 1 risk-based capital ratio | 13.9026% | 3,645 |
| Total risk-based capital ratio | 15.1592% | 3,564 |
| Memoranda: | ||
| Average total assets | $147,861,000 | 4,049 |
| Average earning assets | $137,570,000 | 4,003 |
| Average equity | $12,939,000 | 4,593 |
| Average total loans | $112,589,000 | 3,729 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3136% | 580 |
| Cost of funding earning assets | 1.8788% | 6,794 |
| Net interest margin | 5.4347% | 224 |
| Noninterest income to average assets | 0.9656% | 1,710 |
| Noninterest expense to average assets | 3.5224% | 2,334 |
| Loan and lease loss provision to assets | 0.3911% | 3,347 |
| Net operating income to assets | 1.9897% | 362 |
| Return on assets (ROA) | 2.0636% | 293 |
| Pretax return on assets | 2.0871% | 500 |
| Return on Equity (ROE) | 24.4285% | 159 |
| Retained earnings to average equity (ytd only) | 1.9568% | 4,014 |
| Net charge-offs to loans | 0.1733% | 4,465 |
| Credit loss provision to net charge-offs | 304.7120% | 1,478 |
| Earnings coverage of net charge-offs (x) | 18.7277% | 1,684 |
| Efficiency ratio | 59.4398% | 6,448 |
| Assets per employee ($millions) | 2.7145% | 6,749 |
| Cash dividends to net income (ytd only)* | 91.9896% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 2,483 |
| Loan loss allowance to noncurrent loans | 348.3871% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 6,194 |
| Noncurrent loans to loans | 0.4429% | 6,029 |
| Net loans and leases to total assets | 75.2200% | 2,827 |
| Net loans and leases to deposits | 85.9800% | 4,124 |
| Net loans and leases to core deposits | 99.3682% | 4,886 |
| Total domestic deposits to total assets | 87.4855% | 1,714 |
| Equity capital to assets | 8.6798% | 5,838 |
| Core capital (leverage) ratio | 8.3144% | 5,922 |
| Tier 1 risk-based capital ratio | 13.4130% | 3,868 |
| Total risk-based capital ratio | 14.6521% | 3,774 |
| Memoranda: | ||
| Average total assets | $148,818,200 | 3,923 |
| Average earning assets | $135,830,000 | 3,935 |
| Average equity | $12,571,400 | 4,682 |
| Average total loans | $110,208,200 | 3,672 |