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 | 4.7842% | 2,509 |
| Cost of funding earning assets | 0.7935% | 3,752 |
| Net interest margin | 3.9907% | 1,221 |
| Noninterest income to average assets | 1.3000% | 458 |
| Noninterest expense to average assets | 4.2333% | 319 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.4916% | 3,686 |
| Return on assets (ROA) | 0.4916% | 3,685 |
| Pretax return on assets | 0.5917% | 3,648 |
| Return on Equity (ROE) | 6.7100% | 3,359 |
| Retained earnings to average equity (ytd only) | 6.7095% | 1,985 |
| Net charge-offs to loans | 0.0665% | 1,185 |
| Credit loss provision to net charge-offs | 143.0464% | 1,509 |
| Earnings coverage of net charge-offs (x) | 14.4636% | 2,077 |
| Efficiency ratio | 86.5707% | 535 |
| Assets per employee ($millions) | 3.7324% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 1,362 |
| Loan loss allowance to noncurrent loans | 419.6126% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 2,012 |
| Noncurrent loans to loans | 0.3358% | 1,977 |
| Net loans and leases to total assets | 70.6200% | 1,746 |
| Net loans and leases to deposits | 81.0198% | 2,032 |
| Net loans and leases to core deposits | 82.4514% | 2,555 |
| Total domestic deposits to total assets | 87.1700% | 1,622 |
| Equity capital to assets | 7.5064% | 3,716 |
| Core capital (leverage) ratio | 8.8351% | 3,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5112% | 2,714 |
| Memoranda: | ||
| Average total assets | $332,577,000 | 2,261 |
| Average earning assets | $299,572,000 | 2,308 |
| Average equity | $24,368,400 | 2,557 |
| Average total loans | $227,115,400 | 2,120 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6786% | 2,516 |
| Cost of funding earning assets | 0.6265% | 3,929 |
| Net interest margin | 4.0521% | 1,145 |
| Noninterest income to average assets | 1.3000% | 459 |
| Noninterest expense to average assets | 4.1878% | 319 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 0.4629% | 3,840 |
| Return on assets (ROA) | 0.4629% | 3,842 |
| Pretax return on assets | 0.5624% | 3,803 |
| Return on Equity (ROE) | 6.4000% | 3,566 |
| Retained earnings to average equity (ytd only) | 6.3958% | 2,501 |
| Net charge-offs to loans | 0.0905% | 845 |
| Credit loss provision to net charge-offs | 345.6954% | 802 |
| Earnings coverage of net charge-offs (x) | 12.6623% | 2,059 |
| Efficiency ratio | 84.4071% | 590 |
| Assets per employee ($millions) | 3.6691% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 702 |
| Loan loss allowance to noncurrent loans | 119.3963% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 1.0021% | 519 |
| Noncurrent loans to loans | 1.4230% | 522 |
| Net loans and leases to total assets | 69.2300% | 1,913 |
| Net loans and leases to deposits | 79.0708% | 2,133 |
| Net loans and leases to core deposits | 79.8717% | 2,614 |
| Total domestic deposits to total assets | 87.5500% | 1,718 |
| Equity capital to assets | 7.1641% | 3,532 |
| Core capital (leverage) ratio | 8.6739% | 4,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8691% | 2,648 |
| Memoranda: | ||
| Average total assets | $329,524,000 | 2,271 |
| Average earning assets | $297,519,750 | 2,324 |
| Average equity | $23,848,500 | 2,575 |
| Average total loans | $222,401,250 | 2,146 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5288% | 2,576 |
| Cost of funding earning assets | 0.4899% | 4,002 |
| Net interest margin | 4.0389% | 1,176 |
| Noninterest income to average assets | 1.3000% | 395 |
| Noninterest expense to average assets | 4.2339% | 303 |
| Loan and lease loss provision to assets | 0.3100% | 297 |
| Net operating income to assets | 0.3353% | 4,108 |
| Return on assets (ROA) | 0.3353% | 4,131 |
| Pretax return on assets | 0.3981% | 4,121 |
| Return on Equity (ROE) | 4.6200% | 3,940 |
| Retained earnings to average equity (ytd only) | 4.6171% | 3,051 |
| Net charge-offs to loans | 0.1403% | 544 |
| Credit loss provision to net charge-offs | 330.0654% | 813 |
| Earnings coverage of net charge-offs (x) | 7.5686% | 2,081 |
| Efficiency ratio | 85.7090% | 508 |
| Assets per employee ($millions) | 3.7015% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7608% | 666 |
| Loan loss allowance to noncurrent loans | 490.7407% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 1,961 |
| Noncurrent loans to loans | 0.3588% | 1,847 |
| Net loans and leases to total assets | 68.0900% | 1,952 |
| Net loans and leases to deposits | 79.3185% | 2,025 |
| Net loans and leases to core deposits | 80.1556% | 2,464 |
| Total domestic deposits to total assets | 85.8400% | 2,284 |
| Equity capital to assets | 7.2523% | 3,662 |
| Core capital (leverage) ratio | 8.7433% | 3,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9456% | 2,642 |
| Memoranda: | ||
| Average total assets | $328,069,333 | 2,285 |
| Average earning assets | $295,972,333 | 2,337 |
| Average equity | $23,824,667 | 2,578 |
| Average total loans | $218,155,667 | 2,164 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5035% | 2,306 |
| Cost of funding earning assets | 0.3521% | 4,068 |
| Net interest margin | 4.1514% | 1,019 |
| Noninterest income to average assets | 1.3300% | 377 |
| Noninterest expense to average assets | 4.2984% | 305 |
| Loan and lease loss provision to assets | 0.4100% | 197 |
| Net operating income to assets | 0.3195% | 4,221 |
| Return on assets (ROA) | 0.3195% | 4,179 |
| Pretax return on assets | 0.3742% | 4,164 |
| Return on Equity (ROE) | 4.4000% | 3,973 |
| Retained earnings to average equity (ytd only) | 4.3970% | 3,154 |
| Net charge-offs to loans | 0.3452% | 229 |
| Credit loss provision to net charge-offs | 184.3243% | 862 |
| Earnings coverage of net charge-offs (x) | 3.5081% | 1,883 |
| Efficiency ratio | 84.4996% | 567 |
| Assets per employee ($millions) | 3.9742% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7274% | 765 |
| Loan loss allowance to noncurrent loans | 445.7547% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 1,495 |
| Noncurrent loans to loans | 0.3875% | 1,768 |
| Net loans and leases to total assets | 67.6400% | 1,877 |
| Net loans and leases to deposits | 75.2469% | 2,183 |
| Net loans and leases to core deposits | 76.3239% | 2,502 |
| Total domestic deposits to total assets | 89.8900% | 1,195 |
| Equity capital to assets | 7.5312% | 3,545 |
| Core capital (leverage) ratio | 8.4722% | 4,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9118% | 2,751 |
| Memoranda: | ||
| Average total assets | $329,239,500 | 2,318 |
| Average earning assets | $297,633,000 | 2,360 |
| Average equity | $23,925,500 | 2,606 |
| Average total loans | $214,356,000 | 2,210 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6875% | 2,560 |
| Cost of funding earning assets | 0.2320% | 3,495 |
| Net interest margin | 3.4555% | 2,078 |
| Noninterest income to average assets | 1.3800% | 378 |
| Noninterest expense to average assets | 3.8447% | 367 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 0.4717% | 4,132 |
| Return on assets (ROA) | 0.4717% | 4,098 |
| Pretax return on assets | 0.5753% | 4,071 |
| Return on Equity (ROE) | 6.7900% | 3,676 |
| Retained earnings to average equity (ytd only) | 6.7894% | 2,328 |
| Net charge-offs to loans | 0.1096% | 684 |
| Credit loss provision to net charge-offs | 223.2558% | 1,053 |
| Earnings coverage of net charge-offs (x) | 11.0605% | 2,166 |
| Efficiency ratio | 84.2119% | 483 |
| Assets per employee ($millions) | 4.3660% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,301 |
| Loan loss allowance to noncurrent loans | 323.6410% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 1,982 |
| Noncurrent loans to loans | 0.3769% | 1,793 |
| Net loans and leases to total assets | 60.8800% | 2,563 |
| Net loans and leases to deposits | 67.3155% | 2,786 |
| Net loans and leases to core deposits | 68.0672% | 3,007 |
| Total domestic deposits to total assets | 90.4400% | 1,175 |
| Equity capital to assets | 7.0202% | 3,654 |
| Core capital (leverage) ratio | 8.4284% | 4,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0909% | 2,708 |
| Memoranda: | ||
| Average total assets | $329,904,800 | 2,301 |
| Average earning assets | $303,867,400 | 2,319 |
| Average equity | $22,918,200 | 2,705 |
| Average total loans | $196,160,000 | 2,261 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4697% | 2,709 |
| Cost of funding earning assets | 0.1986% | 3,295 |
| Net interest margin | 3.2711% | 2,389 |
| Noninterest income to average assets | 1.4200% | 377 |
| Noninterest expense to average assets | 3.8453% | 362 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.3712% | 4,286 |
| Return on assets (ROA) | 0.3712% | 4,232 |
| Pretax return on assets | 0.4510% | 4,210 |
| Return on Equity (ROE) | 5.3600% | 3,911 |
| Retained earnings to average equity (ytd only) | 5.3577% | 2,973 |
| Net charge-offs to loans | 0.0581% | 897 |
| Credit loss provision to net charge-offs | 428.5714% | 675 |
| Earnings coverage of net charge-offs (x) | 17.4643% | 1,788 |
| Efficiency ratio | 86.5475% | 442 |
| Assets per employee ($millions) | 4.3163% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 2,325 |
| Loan loss allowance to noncurrent loans | 140.7996% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.5494% | 972 |
| Noncurrent loans to loans | 0.8802% | 894 |
| Net loans and leases to total assets | 61.6500% | 2,335 |
| Net loans and leases to deposits | 67.1707% | 2,617 |
| Net loans and leases to core deposits | 68.0618% | 2,796 |
| Total domestic deposits to total assets | 91.7800% | 945 |
| Equity capital to assets | 6.4073% | 3,788 |
| Core capital (leverage) ratio | 7.7965% | 4,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2724% | 2,993 |
| Memoranda: | ||
| Average total assets | $327,244,250 | 2,329 |
| Average earning assets | $302,802,500 | 2,340 |
| Average equity | $22,671,000 | 2,759 |
| Average total loans | $192,729,750 | 2,285 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2674% | 2,847 |
| Cost of funding earning assets | 0.1934% | 3,002 |
| Net interest margin | 3.0740% | 2,633 |
| Noninterest income to average assets | 1.3731% | 383 |
| Noninterest expense to average assets | 3.7630% | 333 |
| Loan and lease loss provision to assets | 0.1474% | 647 |
| Net operating income to assets | 0.2617% | 4,349 |
| Return on assets (ROA) | 0.2617% | 4,305 |
| Pretax return on assets | 0.3139% | 4,282 |
| Return on Equity (ROE) | 3.6836% | 4,102 |
| Retained earnings to average equity (ytd only) | 3.6836% | 3,211 |
| Net charge-offs to loans | -0.1682% | 4,564 |
| Credit loss provision to net charge-offs | -151.8987% | 3,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0780% | 452 |
| Assets per employee ($millions) | 4.0955% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3346% | 2,028 |
| Loan loss allowance to noncurrent loans | 217.5283% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 1,438 |
| Noncurrent loans to loans | 0.6135% | 1,383 |
| Net loans and leases to total assets | 63.1332% | 2,002 |
| Net loans and leases to deposits | 69.0283% | 2,303 |
| Net loans and leases to core deposits | 70.4527% | 2,457 |
| Total domestic deposits to total assets | 91.4598% | 1,041 |
| Equity capital to assets | 6.9191% | 3,810 |
| Core capital (leverage) ratio | 7.5912% | 4,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1420% | 2,995 |
| Memoranda: | ||
| Average total assets | $325,541,333 | 2,355 |
| Average earning assets | $301,952,667 | 2,369 |
| Average equity | $23,129,667 | 2,810 |
| Average total loans | $187,818,667 | 2,321 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9879% | 3,290 |
| Cost of funding earning assets | 0.1936% | 2,879 |
| Net interest margin | 2.7942% | 3,157 |
| Noninterest income to average assets | 1.3066% | 423 |
| Noninterest expense to average assets | 3.6536% | 365 |
| Loan and lease loss provision to assets | 0.1452% | 553 |
| Net operating income to assets | 0.1004% | 4,468 |
| Return on assets (ROA) | 0.1004% | 4,441 |
| Pretax return on assets | 0.1089% | 4,436 |
| Return on Equity (ROE) | 1.3959% | 4,360 |
| Retained earnings to average equity (ytd only) | 1.3959% | 3,724 |
| Net charge-offs to loans | -0.2433% | 4,634 |
| Credit loss provision to net charge-offs | -109.0909% | 2,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4985% | 406 |
| Assets per employee ($millions) | 4.4312% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 1,996 |
| Loan loss allowance to noncurrent loans | 72.3288% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.0942% | 437 |
| Noncurrent loans to loans | 1.9053% | 390 |
| Net loans and leases to total assets | 56.6367% | 2,461 |
| Net loans and leases to deposits | 62.0519% | 2,714 |
| Net loans and leases to core deposits | 64.1504% | 2,786 |
| Total domestic deposits to total assets | 91.2730% | 901 |
| Equity capital to assets | 7.1573% | 4,121 |
| Core capital (leverage) ratio | 7.1325% | 4,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4422% | 2,789 |
| Memoranda: | ||
| Average total assets | $330,633,500 | 2,337 |
| Average earning assets | $307,777,500 | 2,346 |
| Average equity | $23,784,500 | 2,850 |
| Average total loans | $180,834,000 | 2,374 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4621% | 2,767 |
| Cost of funding earning assets | 0.2386% | 3,058 |
| Net interest margin | 3.2235% | 2,545 |
| Noninterest income to average assets | 1.3234% | 614 |
| Noninterest expense to average assets | 3.3947% | 552 |
| Loan and lease loss provision to assets | 0.1848% | 613 |
| Net operating income to assets | 0.5639% | 3,949 |
| Return on assets (ROA) | 0.5639% | 3,997 |
| Pretax return on assets | 0.6940% | 3,937 |
| Return on Equity (ROE) | 7.9530% | 3,234 |
| Retained earnings to average equity (ytd only) | 7.9530% | 1,565 |
| Net charge-offs to loans | 0.4130% | 200 |
| Credit loss provision to net charge-offs | 76.5563% | 1,978 |
| Earnings coverage of net charge-offs (x) | 3.6411% | 2,534 |
| Efficiency ratio | 79.4375% | 842 |
| Assets per employee ($millions) | 5.1852% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 2,430 |
| Loan loss allowance to noncurrent loans | 55.0888% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.2173% | 403 |
| Noncurrent loans to loans | 2.3346% | 302 |
| Net loans and leases to total assets | 51.4729% | 3,121 |
| Net loans and leases to deposits | 56.3629% | 3,387 |
| Net loans and leases to core deposits | 59.4795% | 3,357 |
| Total domestic deposits to total assets | 91.3240% | 377 |
| Equity capital to assets | 7.2275% | 4,671 |
| Core capital (leverage) ratio | 7.3585% | 4,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8681% | 2,677 |
| Memoranda: | ||
| Average total assets | $312,841,400 | 2,380 |
| Average earning assets | $286,303,600 | 2,400 |
| Average equity | $22,180,200 | 3,044 |
| Average total loans | $182,823,200 | 2,362 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5028% | 2,834 |
| Cost of funding earning assets | 0.2499% | 3,126 |
| Net interest margin | 3.2529% | 2,576 |
| Noninterest income to average assets | 1.3207% | 675 |
| Noninterest expense to average assets | 3.4404% | 506 |
| Loan and lease loss provision to assets | 0.1666% | 652 |
| Net operating income to assets | 0.5486% | 4,099 |
| Return on assets (ROA) | 0.5486% | 4,145 |
| Pretax return on assets | 0.6730% | 4,115 |
| Return on Equity (ROE) | 7.7800% | 3,467 |
| Retained earnings to average equity (ytd only) | 7.7800% | 2,123 |
| Net charge-offs to loans | 0.0551% | 1,103 |
| Credit loss provision to net charge-offs | 502.6316% | 754 |
| Earnings coverage of net charge-offs (x) | 25.3158% | 1,623 |
| Efficiency ratio | 80.3814% | 720 |
| Assets per employee ($millions) | 4.4756% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5344% | 1,510 |
| Loan loss allowance to noncurrent loans | 82.8265% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.1020% | 574 |
| Noncurrent loans to loans | 1.8525% | 507 |
| Net loans and leases to total assets | 58.5765% | 2,416 |
| Net loans and leases to deposits | 64.3282% | 2,814 |
| Net loans and leases to core deposits | 67.5977% | 2,813 |
| Total domestic deposits to total assets | 91.0588% | 351 |
| Equity capital to assets | 7.2553% | 4,766 |
| Core capital (leverage) ratio | 6.7539% | 4,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0117% | 2,964 |
| Memoranda: | ||
| Average total assets | $305,496,500 | 2,437 |
| Average earning assets | $277,940,250 | 2,462 |
| Average equity | $21,541,750 | 3,124 |
| Average total loans | $183,917,500 | 2,396 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3865% | 3,215 |
| Cost of funding earning assets | 0.2567% | 3,229 |
| Net interest margin | 3.1298% | 2,954 |
| Noninterest income to average assets | 1.3169% | 673 |
| Noninterest expense to average assets | 3.3896% | 542 |
| Loan and lease loss provision to assets | 0.1556% | 756 |
| Net operating income to assets | 0.4917% | 4,237 |
| Return on assets (ROA) | 0.4917% | 4,281 |
| Pretax return on assets | 0.6022% | 4,235 |
| Return on Equity (ROE) | 7.0405% | 3,648 |
| Retained earnings to average equity (ytd only) | 7.0405% | 2,417 |
| Net charge-offs to loans | 0.1460% | 562 |
| Credit loss provision to net charge-offs | 176.2963% | 1,104 |
| Earnings coverage of net charge-offs (x) | 8.5852% | 1,876 |
| Efficiency ratio | 81.7279% | 687 |
| Assets per employee ($millions) | 4.5432% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 2,126 |
| Loan loss allowance to noncurrent loans | 79.5735% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.0536% | 711 |
| Noncurrent loans to loans | 1.7150% | 612 |
| Net loans and leases to total assets | 60.2423% | 2,401 |
| Net loans and leases to deposits | 65.9308% | 2,831 |
| Net loans and leases to core deposits | 68.2962% | 2,933 |
| Total domestic deposits to total assets | 91.3721% | 261 |
| Equity capital to assets | 7.0111% | 4,845 |
| Core capital (leverage) ratio | 6.6506% | 4,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6794% | 3,015 |
| Memoranda: | ||
| Average total assets | $305,880,667 | 2,426 |
| Average earning assets | $276,627,667 | 2,470 |
| Average equity | $21,362,000 | 3,139 |
| Average total loans | $184,872,667 | 2,395 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5524% | 2,780 |
| Cost of funding earning assets | 0.2611% | 3,370 |
| Net interest margin | 3.2913% | 2,418 |
| Noninterest income to average assets | 1.2709% | 779 |
| Noninterest expense to average assets | 3.3672% | 548 |
| Loan and lease loss provision to assets | 0.1498% | 870 |
| Net operating income to assets | 0.5586% | 4,049 |
| Return on assets (ROA) | 0.5586% | 4,094 |
| Pretax return on assets | 0.6860% | 4,047 |
| Return on Equity (ROE) | 8.0140% | 3,311 |
| Retained earnings to average equity (ytd only) | 8.0140% | 2,227 |
| Net charge-offs to loans | 0.2667% | 320 |
| Credit loss provision to net charge-offs | 93.4426% | 1,162 |
| Earnings coverage of net charge-offs (x) | 5.2131% | 1,692 |
| Efficiency ratio | 80.1126% | 817 |
| Assets per employee ($millions) | 4.6603% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 2,330 |
| Loan loss allowance to noncurrent loans | 66.6577% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.2391% | 594 |
| Noncurrent loans to loans | 1.9847% | 551 |
| Net loans and leases to total assets | 58.8829% | 2,695 |
| Net loans and leases to deposits | 64.2550% | 3,101 |
| Net loans and leases to core deposits | 66.3343% | 3,213 |
| Total domestic deposits to total assets | 91.6394% | 211 |
| Equity capital to assets | 6.8182% | 4,872 |
| Core capital (leverage) ratio | 6.6176% | 4,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3126% | 2,864 |
| Memoranda: | ||
| Average total assets | $304,351,500 | 2,423 |
| Average earning assets | $271,142,500 | 2,485 |
| Average equity | $21,213,000 | 3,141 |
| Average total loans | $182,965,500 | 2,421 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4021% | 1,588 |
| Cost of funding earning assets | 0.3882% | 3,656 |
| Net interest margin | 4.0139% | 946 |
| Noninterest income to average assets | 1.3790% | 613 |
| Noninterest expense to average assets | 3.8541% | 433 |
| Loan and lease loss provision to assets | 0.1892% | 2,054 |
| Net operating income to assets | 0.7395% | 3,301 |
| Return on assets (ROA) | 0.7395% | 3,423 |
| Pretax return on assets | 0.9090% | 3,340 |
| Return on Equity (ROE) | 8.6679% | 2,529 |
| Retained earnings to average equity (ytd only) | 5.8640% | 1,865 |
| Net charge-offs to loans | -0.1914% | 4,889 |
| Credit loss provision to net charge-offs | -135.1351% | 3,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8249% | 1,043 |
| Assets per employee ($millions) | 4.7058% | 3,711 |
| Cash dividends to net income (ytd only)* | 32.3479% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 2,072 |
| Loan loss allowance to noncurrent loans | 113.9696% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.7886% | 1,296 |
| Noncurrent loans to loans | 1.2076% | 1,155 |
| Net loans and leases to total assets | 59.7505% | 2,896 |
| Net loans and leases to deposits | 65.5491% | 3,317 |
| Net loans and leases to core deposits | 67.7957% | 3,427 |
| Total domestic deposits to total assets | 91.1537% | 190 |
| Equity capital to assets | 7.1297% | 4,904 |
| Core capital (leverage) ratio | 7.7311% | 4,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9496% | 2,936 |
| Memoranda: | ||
| Average total assets | $237,847,800 | 2,670 |
| Average earning assets | $211,738,800 | 2,737 |
| Average equity | $20,293,200 | 3,163 |
| Average total loans | $173,957,000 | 2,457 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4846% | 1,613 |
| Cost of funding earning assets | 0.4204% | 3,701 |
| Net interest margin | 4.0642% | 964 |
| Noninterest income to average assets | 1.4319% | 556 |
| Noninterest expense to average assets | 4.0305% | 370 |
| Loan and lease loss provision to assets | 0.1134% | 2,909 |
| Net operating income to assets | 0.7867% | 3,147 |
| Return on assets (ROA) | 0.7867% | 3,260 |
| Pretax return on assets | 0.9665% | 3,173 |
| Return on Equity (ROE) | 8.7438% | 2,502 |
| Retained earnings to average equity (ytd only) | 5.4176% | 2,366 |
| Net charge-offs to loans | -0.2457% | 4,942 |
| Credit loss provision to net charge-offs | -59.7484% | 3,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8662% | 957 |
| Assets per employee ($millions) | 4.0864% | 4,257 |
| Cash dividends to net income (ytd only)* | 38.0410% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 2,933 |
| Loan loss allowance to noncurrent loans | 72.1748% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.3035% | 721 |
| Noncurrent loans to loans | 1.5956% | 884 |
| Net loans and leases to total assets | 76.9098% | 973 |
| Net loans and leases to deposits | 89.6101% | 1,309 |
| Net loans and leases to core deposits | 92.2379% | 1,776 |
| Total domestic deposits to total assets | 85.8271% | 2,137 |
| Equity capital to assets | 8.4821% | 4,473 |
| Core capital (leverage) ratio | 7.8373% | 4,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0324% | 2,913 |
| Memoranda: | ||
| Average total assets | $223,194,000 | 2,750 |
| Average earning assets | $202,019,250 | 2,791 |
| Average equity | $20,082,250 | 3,178 |
| Average total loans | $172,543,750 | 2,462 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3653% | 2,298 |
| Cost of funding earning assets | 0.4480% | 3,804 |
| Net interest margin | 3.9173% | 1,530 |
| Noninterest income to average assets | 1.3527% | 563 |
| Noninterest expense to average assets | 4.0989% | 371 |
| Loan and lease loss provision to assets | 0.1010% | 3,006 |
| Net operating income to assets | 0.5652% | 3,843 |
| Return on assets (ROA) | 0.5652% | 3,926 |
| Pretax return on assets | 0.6847% | 3,902 |
| Return on Equity (ROE) | 6.1480% | 3,458 |
| Retained earnings to average equity (ytd only) | 1.7839% | 3,838 |
| Net charge-offs to loans | -0.0096% | 4,198 |
| Credit loss provision to net charge-offs | -1,362.5000% | 3,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9150% | 646 |
| Assets per employee ($millions) | 3.9513% | 4,357 |
| Cash dividends to net income (ytd only)* | 70.9836% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 3,787 |
| Loan loss allowance to noncurrent loans | 42.9660% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 1.8060% | 436 |
| Noncurrent loans to loans | 2.2184% | 569 |
| Net loans and leases to total assets | 77.8176% | 869 |
| Net loans and leases to deposits | 90.5537% | 1,303 |
| Net loans and leases to core deposits | 92.8360% | 1,834 |
| Total domestic deposits to total assets | 85.9353% | 2,036 |
| Equity capital to assets | 8.3376% | 4,569 |
| Core capital (leverage) ratio | 7.9740% | 4,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4098% | 3,103 |
| Memoranda: | ||
| Average total assets | $215,863,333 | 2,785 |
| Average earning assets | $194,623,667 | 2,835 |
| Average equity | $19,844,000 | 3,188 |
| Average total loans | $166,468,667 | 2,503 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 2,159 |
| Cost of funding earning assets | 0.5120% | 3,883 |
| Net interest margin | 4.0370% | 1,295 |
| Noninterest income to average assets | 1.3262% | 511 |
| Noninterest expense to average assets | 4.4175% | 327 |
| Loan and lease loss provision to assets | 0.1063% | 2,356 |
| Net operating income to assets | 0.3542% | 4,237 |
| Return on assets (ROA) | 0.3542% | 4,268 |
| Pretax return on assets | 0.4172% | 4,263 |
| Return on Equity (ROE) | 3.6515% | 4,050 |
| Retained earnings to average equity (ytd only) | -3.7529% | 4,418 |
| Net charge-offs to loans | -0.0284% | 4,454 |
| Credit loss provision to net charge-offs | -490.9091% | 3,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4066% | 516 |
| Assets per employee ($millions) | 3.2717% | 4,651 |
| Cash dividends to net income (ytd only)* | 202.7778% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 3,014 |
| Loan loss allowance to noncurrent loans | 66.0640% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.4065% | 796 |
| Noncurrent loans to loans | 1.7193% | 878 |
| Net loans and leases to total assets | 76.4987% | 1,218 |
| Net loans and leases to deposits | 87.1108% | 1,854 |
| Net loans and leases to core deposits | 89.4960% | 2,396 |
| Total domestic deposits to total assets | 87.8177% | 1,177 |
| Equity capital to assets | 9.8449% | 3,924 |
| Core capital (leverage) ratio | 9.1067% | 4,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2601% | 3,285 |
| Memoranda: | ||
| Average total assets | $203,280,500 | 2,839 |
| Average earning assets | $182,017,000 | 2,906 |
| Average equity | $19,718,000 | 3,194 |
| Average total loans | $155,019,000 | 2,589 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9893% | 1,510 |
| Cost of funding earning assets | 0.5228% | 3,994 |
| Net interest margin | 4.4666% | 771 |
| Noninterest income to average assets | 1.1361% | 726 |
| Noninterest expense to average assets | 4.2067% | 424 |
| Loan and lease loss provision to assets | 0.0515% | 2,992 |
| Net operating income to assets | 0.7392% | 3,735 |
| Return on assets (ROA) | 0.7392% | 3,807 |
| Pretax return on assets | 0.9031% | 3,736 |
| Return on Equity (ROE) | 7.4632% | 3,382 |
| Retained earnings to average equity (ytd only) | 4.1167% | 2,908 |
| Net charge-offs to loans | -0.1850% | 5,050 |
| Credit loss provision to net charge-offs | -35.3357% | 4,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5040% | 830 |
| Assets per employee ($millions) | 3.3932% | 4,571 |
| Cash dividends to net income (ytd only)* | 44.8396% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 3,030 |
| Loan loss allowance to noncurrent loans | 67.0504% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.2904% | 863 |
| Noncurrent loans to loans | 1.6188% | 865 |
| Net loans and leases to total assets | 74.3638% | 1,691 |
| Net loans and leases to deposits | 84.5437% | 2,277 |
| Net loans and leases to core deposits | 86.6629% | 2,740 |
| Total domestic deposits to total assets | 87.9590% | 1,141 |
| Equity capital to assets | 9.5601% | 4,304 |
| Core capital (leverage) ratio | 9.1247% | 4,425 |
| Tier 1 risk-based capital ratio | 10.1464% | 5,101 |
| Total risk-based capital ratio | 11.1014% | 5,106 |
| Memoranda: | ||
| Average total assets | $193,998,200 | 2,886 |
| Average earning assets | $174,832,400 | 2,934 |
| Average equity | $19,214,200 | 3,205 |
| Average total loans | $152,993,200 | 2,589 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0672% | 1,365 |
| Cost of funding earning assets | 0.5237% | 4,056 |
| Net interest margin | 4.5435% | 695 |
| Noninterest income to average assets | 1.0268% | 885 |
| Noninterest expense to average assets | 4.1365% | 451 |
| Loan and lease loss provision to assets | 0.0419% | 3,060 |
| Net operating income to assets | 0.7794% | 3,744 |
| Return on assets (ROA) | 0.7794% | 3,813 |
| Pretax return on assets | 0.9534% | 3,726 |
| Return on Equity (ROE) | 7.7953% | 3,390 |
| Retained earnings to average equity (ytd only) | 3.8592% | 3,470 |
| Net charge-offs to loans | 0.0140% | 2,881 |
| Credit loss provision to net charge-offs | 375.0000% | 807 |
| Earnings coverage of net charge-offs (x) | 89.0117% | 806 |
| Efficiency ratio | 80.6047% | 866 |
| Assets per employee ($millions) | 3.1453% | 4,796 |
| Cash dividends to net income (ytd only)* | 50.4934% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 4,179 |
| Loan loss allowance to noncurrent loans | 61.9550% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 1.2441% | 999 |
| Noncurrent loans to loans | 1.3970% | 1,095 |
| Net loans and leases to total assets | 80.5899% | 766 |
| Net loans and leases to deposits | 92.1176% | 1,424 |
| Net loans and leases to core deposits | 95.2875% | 2,055 |
| Total domestic deposits to total assets | 87.4859% | 1,263 |
| Equity capital to assets | 10.1978% | 3,826 |
| Core capital (leverage) ratio | 9.2689% | 4,404 |
| Tier 1 risk-based capital ratio | 9.9789% | 5,192 |
| Total risk-based capital ratio | 10.7442% | 5,215 |
| Memoranda: | ||
| Average total assets | $190,751,500 | 2,944 |
| Average earning assets | $172,344,750 | 2,987 |
| Average equity | $19,070,750 | 3,242 |
| Average total loans | $152,338,750 | 2,623 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0259% | 1,410 |
| Cost of funding earning assets | 0.5108% | 4,070 |
| Net interest margin | 4.5150% | 747 |
| Noninterest income to average assets | 0.9770% | 916 |
| Noninterest expense to average assets | 4.1359% | 451 |
| Loan and lease loss provision to assets | 0.0158% | 3,466 |
| Net operating income to assets | 0.7459% | 3,849 |
| Return on assets (ROA) | 0.7459% | 3,909 |
| Pretax return on assets | 0.9108% | 3,816 |
| Return on Equity (ROE) | 7.5110% | 3,489 |
| Retained earnings to average equity (ytd only) | 2.5601% | 3,916 |
| Net charge-offs to loans | 0.0079% | 2,863 |
| Credit loss provision to net charge-offs | 250.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 508 |
| Efficiency ratio | 81.6974% | 824 |
| Assets per employee ($millions) | 3.2527% | 4,737 |
| Cash dividends to net income (ytd only)* | 65.9155% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8447% | 4,287 |
| Loan loss allowance to noncurrent loans | 160.6838% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 2,701 |
| Noncurrent loans to loans | 0.5257% | 2,704 |
| Net loans and leases to total assets | 80.4968% | 804 |
| Net loans and leases to deposits | 91.7372% | 1,519 |
| Net loans and leases to core deposits | 94.5549% | 2,198 |
| Total domestic deposits to total assets | 87.7472% | 1,227 |
| Equity capital to assets | 10.0168% | 3,960 |
| Core capital (leverage) ratio | 8.9706% | 4,646 |
| Tier 1 risk-based capital ratio | 9.8190% | 5,249 |
| Total risk-based capital ratio | 10.5667% | 5,279 |
| Memoranda: | ||
| Average total assets | $190,380,670 | 2,957 |
| Average earning assets | $172,268,330 | 2,997 |
| Average equity | $18,905,670 | 3,256 |
| Average total loans | $151,127,330 | 2,646 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8827% | 1,643 |
| Cost of funding earning assets | 0.5028% | 4,047 |
| Net interest margin | 4.3799% | 942 |
| Noninterest income to average assets | 0.9324% | 963 |
| Noninterest expense to average assets | 4.1557% | 433 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6012% | 4,243 |
| Return on assets (ROA) | 0.6012% | 4,279 |
| Pretax return on assets | 0.7278% | 4,233 |
| Return on Equity (ROE) | 6.0810% | 3,995 |
| Retained earnings to average equity (ytd only) | -1.9416% | 4,739 |
| Net charge-offs to loans | 0.0484% | 1,590 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 19.1667% | 1,599 |
| Efficiency ratio | 85.0972% | 638 |
| Assets per employee ($millions) | 3.0969% | 4,915 |
| Cash dividends to net income (ytd only)* | 131.9298% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8428% | 4,376 |
| Loan loss allowance to noncurrent loans | 171.2766% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 2,915 |
| Noncurrent loans to loans | 0.4920% | 2,840 |
| Net loans and leases to total assets | 78.9252% | 1,003 |
| Net loans and leases to deposits | 89.6025% | 1,674 |
| Net loans and leases to core deposits | 91.1668% | 2,381 |
| Total domestic deposits to total assets | 88.0838% | 1,294 |
| Equity capital to assets | 9.7700% | 4,032 |
| Core capital (leverage) ratio | 9.1425% | 4,528 |
| Tier 1 risk-based capital ratio | 9.6760% | 5,320 |
| Total risk-based capital ratio | 10.4128% | 5,334 |
| Memoranda: | ||
| Average total assets | $189,617,500 | 2,997 |
| Average earning assets | $171,054,500 | 3,042 |
| Average equity | $18,747,000 | 3,284 |
| Average total loans | $148,793,500 | 2,702 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6876% | 1,865 |
| Cost of funding earning assets | 0.2948% | 4,593 |
| Net interest margin | 4.3928% | 953 |
| Noninterest income to average assets | 0.9948% | 953 |
| Noninterest expense to average assets | 4.3501% | 349 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4752% | 4,716 |
| Return on assets (ROA) | 0.4757% | 4,718 |
| Pretax return on assets | 0.5670% | 4,692 |
| Return on Equity (ROE) | 4.5675% | 4,571 |
| Retained earnings to average equity (ytd only) | 1.2609% | 4,629 |
| Net charge-offs to loans | -0.0480% | 4,960 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4787% | 408 |
| Assets per employee ($millions) | 2.9719% | 5,011 |
| Cash dividends to net income (ytd only)* | 72.3934% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9022% | 4,149 |
| Loan loss allowance to noncurrent loans | 154.9229% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.4503% | 2,764 |
| Noncurrent loans to loans | 0.5824% | 2,543 |
| Net loans and leases to total assets | 76.6183% | 1,501 |
| Net loans and leases to deposits | 88.2108% | 2,019 |
| Net loans and leases to core deposits | 89.6165% | 2,604 |
| Total domestic deposits to total assets | 86.8583% | 1,845 |
| Equity capital to assets | 10.0065% | 3,679 |
| Core capital (leverage) ratio | 9.6485% | 3,952 |
| Tier 1 risk-based capital ratio | 10.1204% | 5,273 |
| Total risk-based capital ratio | 10.8989% | 5,332 |
| Memoranda: | ||
| Average total assets | $177,419,400 | 3,079 |
| Average earning assets | $158,396,000 | 3,157 |
| Average equity | $18,478,400 | 3,242 |
| Average total loans | $135,517,600 | 2,820 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6344% | 1,886 |
| Cost of funding earning assets | 0.2461% | 4,811 |
| Net interest margin | 4.3883% | 926 |
| Noninterest income to average assets | 0.9899% | 975 |
| Noninterest expense to average assets | 4.3946% | 322 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4298% | 4,897 |
| Return on assets (ROA) | 0.4298% | 4,906 |
| Pretax return on assets | 0.5083% | 4,892 |
| Return on Equity (ROE) | 4.0837% | 4,803 |
| Retained earnings to average equity (ytd only) | 0.2752% | 4,989 |
| Net charge-offs to loans | -0.0260% | 4,700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6332% | 339 |
| Assets per employee ($millions) | 2.8123% | 5,149 |
| Cash dividends to net income (ytd only)* | 93.2631% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8907% | 4,302 |
| Loan loss allowance to noncurrent loans | 150.6540% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 2,761 |
| Noncurrent loans to loans | 0.5912% | 2,606 |
| Net loans and leases to total assets | 80.8566% | 891 |
| Net loans and leases to deposits | 92.8620% | 1,515 |
| Net loans and leases to core deposits | 93.4777% | 2,350 |
| Total domestic deposits to total assets | 87.0718% | 1,696 |
| Equity capital to assets | 10.5871% | 3,057 |
| Core capital (leverage) ratio | 9.7509% | 3,899 |
| Tier 1 risk-based capital ratio | 10.1711% | 5,336 |
| Total risk-based capital ratio | 10.9421% | 5,394 |
| Memoranda: | ||
| Average total assets | $174,967,250 | 3,135 |
| Average earning assets | $156,017,250 | 3,206 |
| Average equity | $18,414,250 | 3,267 |
| Average total loans | $133,207,750 | 2,862 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5131% | 2,050 |
| Cost of funding earning assets | 0.1990% | 5,035 |
| Net interest margin | 4.3141% | 1,010 |
| Noninterest income to average assets | 0.9785% | 994 |
| Noninterest expense to average assets | 4.3250% | 350 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4167% | 4,927 |
| Return on assets (ROA) | 0.4167% | 4,932 |
| Pretax return on assets | 0.4910% | 4,921 |
| Return on Equity (ROE) | 3.9676% | 4,832 |
| Retained earnings to average equity (ytd only) | -0.8261% | 5,059 |
| Net charge-offs to loans | -0.0584% | 4,971 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8056% | 377 |
| Assets per employee ($millions) | 2.8505% | 5,193 |
| Cash dividends to net income (ytd only)* | 120.8219% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 4,217 |
| Loan loss allowance to noncurrent loans | 154.2823% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.5268% | 2,654 |
| Noncurrent loans to loans | 0.6004% | 2,618 |
| Net loans and leases to total assets | 78.6672% | 1,214 |
| Net loans and leases to deposits | 90.3736% | 1,792 |
| Net loans and leases to core deposits | 90.3736% | 2,541 |
| Total domestic deposits to total assets | 87.0467% | 1,819 |
| Equity capital to assets | 10.5793% | 3,045 |
| Core capital (leverage) ratio | 9.6495% | 3,944 |
| Tier 1 risk-based capital ratio | 10.3986% | 5,313 |
| Total risk-based capital ratio | 11.2072% | 5,387 |
| Memoranda: | ||
| Average total assets | $175,168,670 | 3,146 |
| Average earning assets | $155,813,670 | 3,222 |
| Average equity | $18,399,000 | 3,286 |
| Average total loans | $130,193,330 | 2,908 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3866% | 2,240 |
| Cost of funding earning assets | 0.1960% | 5,040 |
| Net interest margin | 4.1906% | 1,192 |
| Noninterest income to average assets | 0.8850% | 1,186 |
| Noninterest expense to average assets | 4.4297% | 315 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1502% | 5,288 |
| Return on assets (ROA) | 0.1502% | 5,284 |
| Pretax return on assets | 0.1524% | 5,300 |
| Return on Equity (ROE) | 1.4347% | 5,263 |
| Retained earnings to average equity (ytd only) | -6.4127% | 5,263 |
| Net charge-offs to loans | -0.0919% | 5,174 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6733% | 237 |
| Assets per employee ($millions) | 3.0002% | 5,153 |
| Cash dividends to net income (ytd only)* | 546.9697% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 3,850 |
| Loan loss allowance to noncurrent loans | 180.1418% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.4551% | 3,020 |
| Noncurrent loans to loans | 0.5651% | 2,847 |
| Net loans and leases to total assets | 70.9612% | 2,333 |
| Net loans and leases to deposits | 80.0349% | 2,806 |
| Net loans and leases to core deposits | 80.0349% | 3,320 |
| Total domestic deposits to total assets | 88.6629% | 1,275 |
| Equity capital to assets | 10.4533% | 3,121 |
| Core capital (leverage) ratio | 9.5260% | 4,041 |
| Tier 1 risk-based capital ratio | 11.0531% | 5,106 |
| Total risk-based capital ratio | 11.9176% | 5,191 |
| Memoranda: | ||
| Average total assets | $175,814,000 | 3,176 |
| Average earning assets | $155,108,500 | 3,263 |
| Average equity | $18,401,000 | 3,314 |
| Average total loans | $126,258,000 | 2,983 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2980% | 2,339 |
| Cost of funding earning assets | 0.1677% | 5,170 |
| Net interest margin | 4.1302% | 1,348 |
| Noninterest income to average assets | 0.8862% | 1,311 |
| Noninterest expense to average assets | 3.9168% | 604 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1172% | 5,241 |
| Return on assets (ROA) | 0.1172% | 5,244 |
| Pretax return on assets | 0.6152% | 4,710 |
| Return on Equity (ROE) | 1.0868% | 5,228 |
| Retained earnings to average equity (ytd only) | -1.7812% | 5,262 |
| Net charge-offs to loans | 0.0197% | 3,444 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 44.8333% | 1,178 |
| Efficiency ratio | 86.4261% | 616 |
| Assets per employee ($millions) | 3.0104% | 5,193 |
| Cash dividends to net income (ytd only)* | 263.9024% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9713% | 4,102 |
| Loan loss allowance to noncurrent loans | 127.9381% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5951% | 2,574 |
| Noncurrent loans to loans | 0.7592% | 2,306 |
| Net loans and leases to total assets | 71.2346% | 2,344 |
| Net loans and leases to deposits | 80.3812% | 2,872 |
| Net loans and leases to core deposits | 80.3812% | 3,391 |
| Total domestic deposits to total assets | 88.6210% | 1,182 |
| Equity capital to assets | 10.4788% | 3,190 |
| Core capital (leverage) ratio | 9.6756% | 3,841 |
| Tier 1 risk-based capital ratio | 11.1340% | 5,072 |
| Total risk-based capital ratio | 11.9665% | 5,183 |
| Memoranda: | ||
| Average total assets | $174,913,200 | 3,176 |
| Average earning assets | $154,398,000 | 3,266 |
| Average equity | $18,863,200 | 3,258 |
| Average total loans | $121,744,800 | 3,035 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2065% | 2,587 |
| Cost of funding earning assets | 0.1700% | 5,198 |
| Net interest margin | 4.0364% | 1,583 |
| Noninterest income to average assets | 0.8884% | 1,310 |
| Noninterest expense to average assets | 3.9248% | 573 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3956% | 5,005 |
| Return on assets (ROA) | 0.3956% | 5,036 |
| Pretax return on assets | 0.5242% | 4,981 |
| Return on Equity (ROE) | 3.6422% | 4,951 |
| Retained earnings to average equity (ytd only) | -0.1691% | 5,235 |
| Net charge-offs to loans | 0.0200% | 3,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 38.0546% | 1,348 |
| Efficiency ratio | 88.2181% | 499 |
| Assets per employee ($millions) | 2.5249% | 5,515 |
| Cash dividends to net income (ytd only)* | 104.6423% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 4,049 |
| Loan loss allowance to noncurrent loans | 42.2712% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 1.7717% | 793 |
| Noncurrent loans to loans | 2.3679% | 663 |
| Net loans and leases to total assets | 71.8334% | 2,277 |
| Net loans and leases to deposits | 81.5897% | 2,819 |
| Net loans and leases to core deposits | 81.5897% | 3,320 |
| Total domestic deposits to total assets | 88.0422% | 1,343 |
| Equity capital to assets | 11.1010% | 2,763 |
| Core capital (leverage) ratio | 9.5994% | 4,034 |
| Tier 1 risk-based capital ratio | 11.1553% | 5,156 |
| Total risk-based capital ratio | 12.0041% | 5,275 |
| Memoranda: | ||
| Average total assets | $174,237,500 | 3,213 |
| Average earning assets | $153,696,250 | 3,304 |
| Average equity | $18,926,000 | 3,281 |
| Average total loans | $120,239,750 | 3,078 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1090% | 2,797 |
| Cost of funding earning assets | 0.1703% | 5,208 |
| Net interest margin | 3.9386% | 1,810 |
| Noninterest income to average assets | 0.9333% | 1,172 |
| Noninterest expense to average assets | 3.9307% | 575 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3553% | 5,081 |
| Return on assets (ROA) | 0.3553% | 5,105 |
| Pretax return on assets | 0.4626% | 5,066 |
| Return on Equity (ROE) | 3.2943% | 5,042 |
| Retained earnings to average equity (ytd only) | -0.9533% | 5,228 |
| Net charge-offs to loans | -0.0253% | 4,873 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4696% | 476 |
| Assets per employee ($millions) | 2.9400% | 5,323 |
| Cash dividends to net income (ytd only)* | 128.9389% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 3,763 |
| Loan loss allowance to noncurrent loans | 40.7514% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 1.8748% | 712 |
| Noncurrent loans to loans | 2.6108% | 550 |
| Net loans and leases to total assets | 68.6212% | 2,719 |
| Net loans and leases to deposits | 77.8211% | 3,135 |
| Net loans and leases to core deposits | 77.8211% | 3,614 |
| Total domestic deposits to total assets | 88.1781% | 1,363 |
| Equity capital to assets | 10.9594% | 2,848 |
| Core capital (leverage) ratio | 9.4648% | 4,166 |
| Tier 1 risk-based capital ratio | 11.4453% | 4,992 |
| Total risk-based capital ratio | 12.3534% | 5,092 |
| Memoranda: | ||
| Average total assets | $175,084,670 | 3,224 |
| Average earning assets | $153,809,670 | 3,325 |
| Average equity | $18,881,330 | 3,290 |
| Average total loans | $118,792,330 | 3,109 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0219% | 2,953 |
| Cost of funding earning assets | 0.1717% | 5,222 |
| Net interest margin | 3.8502% | 1,953 |
| Noninterest income to average assets | 0.9528% | 1,099 |
| Noninterest expense to average assets | 4.0933% | 484 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2001% | 5,394 |
| Return on assets (ROA) | 0.2001% | 5,409 |
| Pretax return on assets | 0.2251% | 5,412 |
| Return on Equity (ROE) | 1.8706% | 5,357 |
| Retained earnings to average equity (ytd only) | -5.0593% | 5,386 |
| Net charge-offs to loans | -0.0169% | 4,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7867% | 353 |
| Assets per employee ($millions) | 2.5981% | 5,591 |
| Cash dividends to net income (ytd only)* | 370.4545% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 3,757 |
| Loan loss allowance to noncurrent loans | 39.0890% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 1.9018% | 720 |
| Noncurrent loans to loans | 2.7905% | 522 |
| Net loans and leases to total assets | 65.1829% | 3,090 |
| Net loans and leases to deposits | 73.6129% | 3,438 |
| Net loans and leases to core deposits | 73.6129% | 3,872 |
| Total domestic deposits to total assets | 88.5483% | 1,398 |
| Equity capital to assets | 10.6010% | 3,067 |
| Core capital (leverage) ratio | 9.3039% | 4,337 |
| Tier 1 risk-based capital ratio | 11.5474% | 5,000 |
| Total risk-based capital ratio | 12.4689% | 5,090 |
| Memoranda: | ||
| Average total assets | $175,898,000 | 3,232 |
| Average earning assets | $153,760,000 | 3,355 |
| Average equity | $18,817,000 | 3,309 |
| Average total loans | $118,034,000 | 3,140 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1919% | 2,512 |
| Cost of funding earning assets | 0.1794% | 5,221 |
| Net interest margin | 4.0126% | 1,599 |
| Noninterest income to average assets | 1.0441% | 1,036 |
| Noninterest expense to average assets | 4.0083% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4180% | 4,883 |
| Return on assets (ROA) | 0.4265% | 4,942 |
| Pretax return on assets | 0.5600% | 4,899 |
| Return on Equity (ROE) | 3.7910% | 4,904 |
| Retained earnings to average equity (ytd only) | -0.5229% | 5,384 |
| Net charge-offs to loans | -0.0230% | 5,165 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9566% | 682 |
| Assets per employee ($millions) | 2.9682% | 5,376 |
| Cash dividends to net income (ytd only)* | 113.7931% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 3,965 |
| Loan loss allowance to noncurrent loans | 85.1852% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 0.9119% | 2,081 |
| Noncurrent loans to loans | 1.2412% | 1,654 |
| Net loans and leases to total assets | 67.5938% | 2,837 |
| Net loans and leases to deposits | 76.5930% | 3,255 |
| Net loans and leases to core deposits | 76.5930% | 3,697 |
| Total domestic deposits to total assets | 88.2506% | 1,510 |
| Equity capital to assets | 10.7952% | 2,822 |
| Core capital (leverage) ratio | 9.4879% | 4,099 |
| Tier 1 risk-based capital ratio | 11.5899% | 4,993 |
| Total risk-based capital ratio | 12.4992% | 5,094 |
| Memoranda: | ||
| Average total assets | $169,997,000 | 3,287 |
| Average earning assets | $148,833,000 | 3,387 |
| Average equity | $19,124,000 | 3,256 |
| Average total loans | $117,446,000 | 3,102 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1835% | 2,563 |
| Cost of funding earning assets | 0.1799% | 5,263 |
| Net interest margin | 4.0036% | 1,638 |
| Noninterest income to average assets | 1.0266% | 1,089 |
| Noninterest expense to average assets | 4.0509% | 550 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3833% | 5,076 |
| Return on assets (ROA) | 0.3833% | 5,164 |
| Pretax return on assets | 0.4931% | 5,139 |
| Return on Equity (ROE) | 3.3717% | 5,120 |
| Retained earnings to average equity (ytd only) | -0.2781% | 5,412 |
| Net charge-offs to loans | -0.0240% | 5,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1478% | 608 |
| Assets per employee ($millions) | 2.8287% | 5,527 |
| Cash dividends to net income (ytd only)* | 108.2471% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 4,128 |
| Loan loss allowance to noncurrent loans | 64.0061% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.4813% | 1,219 |
| Noncurrent loans to loans | 1.6394% | 1,307 |
| Net loans and leases to total assets | 69.9521% | 2,496 |
| Net loans and leases to deposits | 79.8008% | 2,994 |
| Net loans and leases to core deposits | 79.8008% | 3,464 |
| Total domestic deposits to total assets | 87.6584% | 1,586 |
| Equity capital to assets | 11.3582% | 2,642 |
| Core capital (leverage) ratio | 9.8148% | 3,794 |
| Tier 1 risk-based capital ratio | 11.7810% | 4,931 |
| Total risk-based capital ratio | 12.6895% | 5,029 |
| Memoranda: | ||
| Average total assets | $168,715,250 | 3,317 |
| Average earning assets | $148,231,000 | 3,408 |
| Average equity | $19,178,750 | 3,273 |
| Average total loans | $116,898,000 | 3,119 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1339% | 2,737 |
| Cost of funding earning assets | 0.1800% | 5,321 |
| Net interest margin | 3.9538% | 1,794 |
| Noninterest income to average assets | 1.0108% | 1,092 |
| Noninterest expense to average assets | 4.0242% | 574 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3587% | 5,158 |
| Return on assets (ROA) | 0.3587% | 5,248 |
| Pretax return on assets | 0.4561% | 5,231 |
| Return on Equity (ROE) | 3.1547% | 5,204 |
| Retained earnings to average equity (ytd only) | -0.8670% | 5,422 |
| Net charge-offs to loans | 0.0311% | 2,847 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 21.3333% | 1,686 |
| Efficiency ratio | 89.8197% | 613 |
| Assets per employee ($millions) | 2.6087% | 5,730 |
| Cash dividends to net income (ytd only)* | 127.4834% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 4,269 |
| Loan loss allowance to noncurrent loans | 83.5044% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.2033% | 1,727 |
| Noncurrent loans to loans | 1.2479% | 1,843 |
| Net loans and leases to total assets | 69.3951% | 2,569 |
| Net loans and leases to deposits | 79.1561% | 3,038 |
| Net loans and leases to core deposits | 79.1561% | 3,537 |
| Total domestic deposits to total assets | 87.6687% | 1,591 |
| Equity capital to assets | 11.5173% | 2,531 |
| Core capital (leverage) ratio | 9.7930% | 3,822 |
| Tier 1 risk-based capital ratio | 12.1421% | 4,743 |
| Total risk-based capital ratio | 13.0519% | 4,851 |
| Memoranda: | ||
| Average total assets | $168,380,670 | 3,337 |
| Average earning assets | $147,755,330 | 3,437 |
| Average equity | $19,146,000 | 3,281 |
| Average total loans | $115,870,330 | 3,142 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0817% | 2,924 |
| Cost of funding earning assets | 0.1791% | 5,382 |
| Net interest margin | 3.9025% | 1,928 |
| Noninterest income to average assets | 0.8634% | 1,404 |
| Noninterest expense to average assets | 3.9458% | 648 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2673% | 5,386 |
| Return on assets (ROA) | 0.2673% | 5,458 |
| Pretax return on assets | 0.3194% | 5,477 |
| Return on Equity (ROE) | 2.3659% | 5,409 |
| Retained earnings to average equity (ytd only) | -4.0200% | 5,549 |
| Net charge-offs to loans | -0.0451% | 5,277 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5125% | 518 |
| Assets per employee ($millions) | 2.9036% | 5,595 |
| Cash dividends to net income (ytd only)* | 269.9115% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 4,106 |
| Loan loss allowance to noncurrent loans | 72.1870% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.3461% | 1,577 |
| Noncurrent loans to loans | 1.5105% | 1,548 |
| Net loans and leases to total assets | 66.2429% | 2,911 |
| Net loans and leases to deposits | 75.1765% | 3,307 |
| Net loans and leases to core deposits | 75.1765% | 3,763 |
| Total domestic deposits to total assets | 88.1164% | 1,581 |
| Equity capital to assets | 11.1206% | 2,808 |
| Core capital (leverage) ratio | 9.8176% | 3,752 |
| Tier 1 risk-based capital ratio | 12.0139% | 4,907 |
| Total risk-based capital ratio | 12.9453% | 5,021 |
| Memoranda: | ||
| Average total assets | $169,092,500 | 3,338 |
| Average earning assets | $147,391,000 | 3,454 |
| Average equity | $19,104,500 | 3,289 |
| Average total loans | $115,265,500 | 3,157 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2673% | 2,324 |
| Cost of funding earning assets | 0.2103% | 5,188 |
| Net interest margin | 4.0570% | 1,546 |
| Noninterest income to average assets | 0.8396% | 1,643 |
| Noninterest expense to average assets | 4.0347% | 638 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3010% | 5,360 |
| Return on assets (ROA) | 0.3030% | 5,433 |
| Pretax return on assets | 0.3693% | 5,382 |
| Return on Equity (ROE) | 2.6674% | 5,407 |
| Retained earnings to average equity (ytd only) | 2.0465% | 4,566 |
| Net charge-offs to loans | 0.0518% | 3,164 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 10.2333% | 2,711 |
| Efficiency ratio | 91.6644% | 587 |
| Assets per employee ($millions) | 2.7356% | 5,751 |
| Cash dividends to net income (ytd only)* | 23.2742% | 3,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 4,215 |
| Loan loss allowance to noncurrent loans | 66.6308% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 1.4568% | 1,411 |
| Noncurrent loans to loans | 1.6045% | 1,431 |
| Net loans and leases to total assets | 68.6510% | 2,597 |
| Net loans and leases to deposits | 78.2551% | 3,026 |
| Net loans and leases to core deposits | 78.2551% | 3,518 |
| Total domestic deposits to total assets | 87.7272% | 1,782 |
| Equity capital to assets | 11.4806% | 2,377 |
| Core capital (leverage) ratio | 10.0284% | 3,469 |
| Tier 1 risk-based capital ratio | 12.6535% | 4,544 |
| Total risk-based capital ratio | 13.6154% | 4,612 |
| Memoranda: | ||
| Average total assets | $167,349,000 | 3,348 |
| Average earning assets | $146,929,800 | 3,446 |
| Average equity | $19,007,600 | 3,264 |
| Average total loans | $115,902,200 | 3,110 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 2,248 |
| Cost of funding earning assets | 0.2210% | 5,173 |
| Net interest margin | 4.0740% | 1,481 |
| Noninterest income to average assets | 0.9395% | 1,346 |
| Noninterest expense to average assets | 4.0612% | 621 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3621% | 5,285 |
| Return on assets (ROA) | 0.3646% | 5,360 |
| Pretax return on assets | 0.4626% | 5,315 |
| Return on Equity (ROE) | 3.2190% | 5,310 |
| Retained earnings to average equity (ytd only) | 2.3897% | 4,680 |
| Net charge-offs to loans | -0.0483% | 5,536 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8380% | 714 |
| Assets per employee ($millions) | 2.7515% | 5,800 |
| Cash dividends to net income (ytd only)* | 25.7643% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 4,015 |
| Loan loss allowance to noncurrent loans | 73.2240% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 1.6090% | 1,381 |
| Noncurrent loans to loans | 1.5529% | 1,607 |
| Net loans and leases to total assets | 71.7665% | 2,097 |
| Net loans and leases to deposits | 82.6699% | 2,572 |
| Net loans and leases to core deposits | 82.6699% | 3,178 |
| Total domestic deposits to total assets | 86.8109% | 2,131 |
| Equity capital to assets | 11.7914% | 2,272 |
| Core capital (leverage) ratio | 9.9733% | 3,669 |
| Tier 1 risk-based capital ratio | 12.3307% | 4,871 |
| Total risk-based capital ratio | 13.3527% | 4,934 |
| Memoranda: | ||
| Average total assets | $167,468,000 | 3,374 |
| Average earning assets | $147,206,250 | 3,476 |
| Average equity | $18,970,000 | 3,302 |
| Average total loans | $115,928,250 | 3,135 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2644% | 2,305 |
| Cost of funding earning assets | 0.2335% | 5,113 |
| Net interest margin | 4.0309% | 1,552 |
| Noninterest income to average assets | 0.9635% | 1,265 |
| Noninterest expense to average assets | 3.9757% | 696 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4007% | 5,131 |
| Return on assets (ROA) | 0.4043% | 5,231 |
| Pretax return on assets | 0.5237% | 5,165 |
| Return on Equity (ROE) | 3.6166% | 5,174 |
| Retained earnings to average equity (ytd only) | 2.3688% | 4,550 |
| Net charge-offs to loans | -0.0659% | 5,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4534% | 881 |
| Assets per employee ($millions) | 2.7054% | 5,911 |
| Cash dividends to net income (ytd only)* | 34.5029% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 4,149 |
| Loan loss allowance to noncurrent loans | 45.1504% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 2.4317% | 791 |
| Noncurrent loans to loans | 2.5182% | 883 |
| Net loans and leases to total assets | 70.3935% | 2,261 |
| Net loans and leases to deposits | 80.6097% | 2,710 |
| Net loans and leases to core deposits | 80.7503% | 3,298 |
| Total domestic deposits to total assets | 87.3264% | 1,999 |
| Equity capital to assets | 11.4617% | 2,446 |
| Core capital (leverage) ratio | 9.7064% | 3,991 |
| Tier 1 risk-based capital ratio | 12.2123% | 4,993 |
| Total risk-based capital ratio | 13.2271% | 5,070 |
| Memoranda: | ||
| Average total assets | $169,177,670 | 3,365 |
| Average earning assets | $148,203,330 | 3,484 |
| Average equity | $18,912,670 | 3,328 |
| Average total loans | $115,289,330 | 3,165 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2363% | 2,322 |
| Cost of funding earning assets | 0.2413% | 5,118 |
| Net interest margin | 3.9950% | 1,575 |
| Noninterest income to average assets | 0.8899% | 1,422 |
| Noninterest expense to average assets | 3.8586% | 816 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3947% | 5,085 |
| Return on assets (ROA) | 0.3947% | 5,198 |
| Pretax return on assets | 0.5115% | 5,150 |
| Return on Equity (ROE) | 3.5745% | 5,151 |
| Retained earnings to average equity (ytd only) | 1.0787% | 5,051 |
| Net charge-offs to loans | -0.1436% | 5,968 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2950% | 997 |
| Assets per employee ($millions) | 2.9541% | 5,726 |
| Cash dividends to net income (ytd only)* | 69.8225% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 4,056 |
| Loan loss allowance to noncurrent loans | 38.3009% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 2.6386% | 788 |
| Noncurrent loans to loans | 3.0950% | 677 |
| Net loans and leases to total assets | 65.1438% | 2,909 |
| Net loans and leases to deposits | 74.6925% | 3,201 |
| Net loans and leases to core deposits | 74.8498% | 3,704 |
| Total domestic deposits to total assets | 87.2159% | 2,259 |
| Equity capital to assets | 11.0979% | 2,866 |
| Core capital (leverage) ratio | 9.5305% | 4,226 |
| Tier 1 risk-based capital ratio | 12.5519% | 4,871 |
| Total risk-based capital ratio | 13.6015% | 4,921 |
| Memoranda: | ||
| Average total assets | $171,252,500 | 3,338 |
| Average earning assets | $149,186,500 | 3,479 |
| Average equity | $18,911,500 | 3,348 |
| Average total loans | $114,181,500 | 3,196 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4426% | 2,096 |
| Cost of funding earning assets | 0.2998% | 4,801 |
| Net interest margin | 4.1427% | 1,456 |
| Noninterest income to average assets | 0.8290% | 1,758 |
| Noninterest expense to average assets | 3.9466% | 809 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3542% | 5,368 |
| Return on assets (ROA) | 0.3661% | 5,406 |
| Pretax return on assets | 0.4809% | 5,295 |
| Return on Equity (ROE) | 3.4207% | 5,320 |
| Retained earnings to average equity (ytd only) | 3.4207% | 3,778 |
| Net charge-offs to loans | 0.4996% | 822 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.3663% | 4,438 |
| Efficiency ratio | 89.4543% | 883 |
| Assets per employee ($millions) | 3.0566% | 5,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 4,423 |
| Loan loss allowance to noncurrent loans | 35.4064% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 2.8084% | 759 |
| Noncurrent loans to loans | 3.1766% | 688 |
| Net loans and leases to total assets | 66.6659% | 2,775 |
| Net loans and leases to deposits | 76.4295% | 3,150 |
| Net loans and leases to core deposits | 76.5906% | 3,648 |
| Total domestic deposits to total assets | 87.2253% | 2,158 |
| Equity capital to assets | 10.9881% | 2,908 |
| Core capital (leverage) ratio | 9.4373% | 4,330 |
| Tier 1 risk-based capital ratio | 12.3721% | 5,110 |
| Total risk-based capital ratio | 13.3833% | 5,181 |
| Memoranda: | ||
| Average total assets | $172,377,200 | 3,301 |
| Average earning assets | $149,080,000 | 3,458 |
| Average equity | $18,446,400 | 3,353 |
| Average total loans | $117,498,800 | 3,088 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5077% | 1,841 |
| Cost of funding earning assets | 0.3096% | 4,785 |
| Net interest margin | 4.1981% | 1,295 |
| Noninterest income to average assets | 0.7822% | 1,960 |
| Noninterest expense to average assets | 3.8915% | 854 |
| Loan and lease loss provision to assets | 0.0116% | 4,187 |
| Net operating income to assets | 0.3766% | 5,333 |
| Return on assets (ROA) | 0.3899% | 5,364 |
| Pretax return on assets | 0.5196% | 5,265 |
| Return on Equity (ROE) | 3.6681% | 5,292 |
| Retained earnings to average equity (ytd only) | 3.6681% | 4,033 |
| Net charge-offs to loans | 0.6914% | 506 |
| Credit loss provision to net charge-offs | 2.4510% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1.0866% | 4,237 |
| Efficiency ratio | 88.3436% | 973 |
| Assets per employee ($millions) | 2.8850% | 5,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 4,632 |
| Loan loss allowance to noncurrent loans | 60.2151% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 2.0156% | 1,417 |
| Noncurrent loans to loans | 1.8695% | 1,709 |
| Net loans and leases to total assets | 65.3543% | 2,975 |
| Net loans and leases to deposits | 74.7298% | 3,338 |
| Net loans and leases to core deposits | 76.3235% | 3,707 |
| Total domestic deposits to total assets | 87.4541% | 2,057 |
| Equity capital to assets | 10.7775% | 3,209 |
| Core capital (leverage) ratio | 9.2268% | 4,741 |
| Tier 1 risk-based capital ratio | 12.3574% | 5,264 |
| Total risk-based capital ratio | 13.3684% | 5,331 |
| Memoranda: | ||
| Average total assets | $172,679,750 | 3,328 |
| Average earning assets | $149,017,000 | 3,484 |
| Average equity | $18,356,000 | 3,382 |
| Average total loans | $118,021,500 | 3,097 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5679% | 1,617 |
| Cost of funding earning assets | 0.3154% | 4,821 |
| Net interest margin | 4.2525% | 1,132 |
| Noninterest income to average assets | 0.8995% | 1,495 |
| Noninterest expense to average assets | 3.8299% | 936 |
| Loan and lease loss provision to assets | 0.0174% | 3,912 |
| Net operating income to assets | 0.5239% | 4,719 |
| Return on assets (ROA) | 0.5239% | 4,811 |
| Pretax return on assets | 0.7245% | 4,555 |
| Return on Equity (ROE) | 4.9518% | 4,693 |
| Retained earnings to average equity (ytd only) | 4.9518% | 2,988 |
| Net charge-offs to loans | 0.4378% | 933 |
| Credit loss provision to net charge-offs | 5.7471% | 3,352 |
| Earnings coverage of net charge-offs (x) | 2.4521% | 3,543 |
| Efficiency ratio | 83.7728% | 1,543 |
| Assets per employee ($millions) | 2.8551% | 5,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 3,388 |
| Loan loss allowance to noncurrent loans | 62.3194% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 2.7174% | 973 |
| Noncurrent loans to loans | 2.2359% | 1,463 |
| Net loans and leases to total assets | 67.7093% | 2,461 |
| Net loans and leases to deposits | 77.5160% | 2,864 |
| Net loans and leases to core deposits | 79.1889% | 3,305 |
| Total domestic deposits to total assets | 87.3487% | 2,278 |
| Equity capital to assets | 10.8422% | 3,036 |
| Core capital (leverage) ratio | 9.2232% | 4,703 |
| Tier 1 risk-based capital ratio | 12.0745% | 5,499 |
| Total risk-based capital ratio | 13.3248% | 5,429 |
| Memoranda: | ||
| Average total assets | $172,539,330 | 3,345 |
| Average earning assets | $148,995,000 | 3,502 |
| Average equity | $18,256,000 | 3,393 |
| Average total loans | $119,223,000 | 3,077 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4013% | 2,129 |
| Cost of funding earning assets | 0.3237% | 4,813 |
| Net interest margin | 4.0776% | 1,525 |
| Noninterest income to average assets | 0.7923% | 1,784 |
| Noninterest expense to average assets | 3.7654% | 1,034 |
| Loan and lease loss provision to assets | 0.0347% | 3,360 |
| Net operating income to assets | 0.3835% | 5,172 |
| Return on assets (ROA) | 0.3835% | 5,245 |
| Pretax return on assets | 0.5128% | 5,130 |
| Return on Equity (ROE) | 3.6690% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.6690% | 3,932 |
| Net charge-offs to loans | 0.5166% | 714 |
| Credit loss provision to net charge-offs | 9.6774% | 2,612 |
| Earnings coverage of net charge-offs (x) | 1.5290% | 3,076 |
| Efficiency ratio | 87.3058% | 1,305 |
| Assets per employee ($millions) | 2.8654% | 6,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 3,401 |
| Loan loss allowance to noncurrent loans | 59.0786% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 2.8325% | 1,035 |
| Noncurrent loans to loans | 2.4419% | 1,429 |
| Net loans and leases to total assets | 68.1648% | 2,191 |
| Net loans and leases to deposits | 78.2692% | 2,512 |
| Net loans and leases to core deposits | 79.9289% | 2,979 |
| Total domestic deposits to total assets | 87.0903% | 2,749 |
| Equity capital to assets | 10.4153% | 3,339 |
| Core capital (leverage) ratio | 9.0555% | 4,928 |
| Tier 1 risk-based capital ratio | 11.5879% | 5,869 |
| Total risk-based capital ratio | 12.8386% | 5,817 |
| Memoranda: | ||
| Average total assets | $173,157,500 | 3,362 |
| Average earning assets | $149,501,000 | 3,515 |
| Average equity | $18,097,500 | 3,411 |
| Average total loans | $120,021,000 | 3,073 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5987% | 1,883 |
| Cost of funding earning assets | 0.4087% | 4,554 |
| Net interest margin | 4.1899% | 1,382 |
| Noninterest income to average assets | 0.6692% | 2,709 |
| Noninterest expense to average assets | 4.0775% | 800 |
| Loan and lease loss provision to assets | -0.0826% | 6,454 |
| Net operating income to assets | 1.4263% | 971 |
| Return on assets (ROA) | 1.4263% | 1,013 |
| Pretax return on assets | 0.2892% | 5,762 |
| Return on Equity (ROE) | 15.0671% | 748 |
| Retained earnings to average equity (ytd only) | 15.0671% | 165 |
| Net charge-offs to loans | 0.4454% | 1,491 |
| Credit loss provision to net charge-offs | -26.9962% | 5,736 |
| Earnings coverage of net charge-offs (x) | 0.6749% | 4,861 |
| Efficiency ratio | 95.1779% | 689 |
| Assets per employee ($millions) | 2.8119% | 6,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5820% | 2,831 |
| Loan loss allowance to noncurrent loans | 57.9109% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 3.0637% | 1,019 |
| Noncurrent loans to loans | 2.7318% | 1,322 |
| Net loans and leases to total assets | 68.3677% | 2,287 |
| Net loans and leases to deposits | 78.0807% | 2,713 |
| Net loans and leases to core deposits | 79.3030% | 3,204 |
| Total domestic deposits to total assets | 87.5603% | 2,444 |
| Equity capital to assets | 10.4883% | 3,173 |
| Core capital (leverage) ratio | 9.0476% | 4,933 |
| Tier 1 risk-based capital ratio | 11.6821% | 5,811 |
| Total risk-based capital ratio | 12.9346% | 5,743 |
| Memoranda: | ||
| Average total assets | $171,844,200 | 3,384 |
| Average earning assets | $148,260,000 | 3,537 |
| Average equity | $16,267,200 | 3,660 |
| Average total loans | $118,088,800 | 3,074 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6190% | 1,833 |
| Cost of funding earning assets | 0.4202% | 4,613 |
| Net interest margin | 4.1989% | 1,333 |
| Noninterest income to average assets | 0.8531% | 1,921 |
| Noninterest expense to average assets | 4.0319% | 824 |
| Loan and lease loss provision to assets | 0.1225% | 2,761 |
| Net operating income to assets | 0.3180% | 5,553 |
| Return on assets (ROA) | 0.3180% | 5,664 |
| Pretax return on assets | 0.3180% | 5,827 |
| Return on Equity (ROE) | 3.4518% | 5,462 |
| Retained earnings to average equity (ytd only) | 3.4518% | 4,235 |
| Net charge-offs to loans | 0.5703% | 1,107 |
| Credit loss provision to net charge-offs | 31.3492% | 3,870 |
| Earnings coverage of net charge-offs (x) | 1.1270% | 4,466 |
| Efficiency ratio | 90.1509% | 980 |
| Assets per employee ($millions) | 2.7425% | 6,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8537% | 2,131 |
| Loan loss allowance to noncurrent loans | 72.8143% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 3.1141% | 1,171 |
| Noncurrent loans to loans | 2.5458% | 1,692 |
| Net loans and leases to total assets | 68.7233% | 2,197 |
| Net loans and leases to deposits | 77.2612% | 2,781 |
| Net loans and leases to core deposits | 80.1521% | 3,116 |
| Total domestic deposits to total assets | 88.9493% | 1,579 |
| Equity capital to assets | 9.3787% | 4,702 |
| Core capital (leverage) ratio | 8.9628% | 5,176 |
| Tier 1 risk-based capital ratio | 11.9032% | 5,834 |
| Total risk-based capital ratio | 13.1587% | 5,776 |
| Memoranda: | ||
| Average total assets | $171,924,250 | 3,409 |
| Average earning assets | $148,194,500 | 3,573 |
| Average equity | $15,836,500 | 3,769 |
| Average total loans | $117,823,000 | 3,103 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6482% | 1,703 |
| Cost of funding earning assets | 0.4307% | 4,652 |
| Net interest margin | 4.2175% | 1,233 |
| Noninterest income to average assets | 0.9551% | 1,637 |
| Noninterest expense to average assets | 4.0289% | 835 |
| Loan and lease loss provision to assets | 0.1831% | 2,069 |
| Net operating income to assets | 0.3524% | 5,396 |
| Return on assets (ROA) | 0.3524% | 5,575 |
| Pretax return on assets | 0.3524% | 5,743 |
| Return on Equity (ROE) | 3.8482% | 5,274 |
| Retained earnings to average equity (ytd only) | 3.8482% | 3,851 |
| Net charge-offs to loans | 0.6252% | 1,055 |
| Credit loss provision to net charge-offs | 43.0518% | 3,359 |
| Earnings coverage of net charge-offs (x) | 1.2589% | 4,126 |
| Efficiency ratio | 88.2682% | 1,196 |
| Assets per employee ($millions) | 2.7629% | 6,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9929% | 1,869 |
| Loan loss allowance to noncurrent loans | 59.8264% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 3.7758% | 973 |
| Noncurrent loans to loans | 3.3312% | 1,303 |
| Net loans and leases to total assets | 67.2927% | 2,364 |
| Net loans and leases to deposits | 75.6102% | 2,934 |
| Net loans and leases to core deposits | 78.4154% | 3,237 |
| Total domestic deposits to total assets | 88.9995% | 1,633 |
| Equity capital to assets | 9.2533% | 4,917 |
| Core capital (leverage) ratio | 8.8869% | 5,164 |
| Tier 1 risk-based capital ratio | 11.7812% | 5,929 |
| Total risk-based capital ratio | 13.0380% | 5,871 |
| Memoranda: | ||
| Average total assets | $172,554,330 | 3,420 |
| Average earning assets | $147,670,330 | 3,602 |
| Average equity | $15,799,670 | 3,802 |
| Average total loans | $117,410,670 | 3,118 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6556% | 1,660 |
| Cost of funding earning assets | 0.4360% | 4,742 |
| Net interest margin | 4.2195% | 1,141 |
| Noninterest income to average assets | 0.9100% | 1,725 |
| Noninterest expense to average assets | 4.1090% | 789 |
| Loan and lease loss provision to assets | 0.3580% | 903 |
| Net operating income to assets | 0.0416% | 6,274 |
| Return on assets (ROA) | 0.0416% | 6,358 |
| Pretax return on assets | 0.0416% | 6,356 |
| Return on Equity (ROE) | 0.4564% | 6,339 |
| Retained earnings to average equity (ytd only) | 0.4564% | 5,642 |
| Net charge-offs to loans | 0.8661% | 700 |
| Credit loss provision to net charge-offs | 61.0236% | 2,432 |
| Earnings coverage of net charge-offs (x) | 0.6811% | 3,601 |
| Efficiency ratio | 91.1373% | 1,056 |
| Assets per employee ($millions) | 2.5260% | 6,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1277% | 1,737 |
| Loan loss allowance to noncurrent loans | 105.0514% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 3.5193% | 1,204 |
| Noncurrent loans to loans | 2.0254% | 2,593 |
| Net loans and leases to total assets | 65.7169% | 2,420 |
| Net loans and leases to deposits | 73.8415% | 2,936 |
| Net loans and leases to core deposits | 76.7046% | 3,232 |
| Total domestic deposits to total assets | 88.9973% | 1,686 |
| Equity capital to assets | 9.1869% | 5,267 |
| Core capital (leverage) ratio | 8.5854% | 5,464 |
| Tier 1 risk-based capital ratio | 11.5569% | 6,149 |
| Total risk-based capital ratio | 12.8151% | 6,120 |
| Memoranda: | ||
| Average total assets | $173,181,000 | 3,444 |
| Average earning assets | $147,693,500 | 3,630 |
| Average equity | $15,774,000 | 3,853 |
| Average total loans | $117,307,500 | 3,140 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0760% | 1,362 |
| Cost of funding earning assets | 0.5635% | 4,700 |
| Net interest margin | 4.5125% | 923 |
| Noninterest income to average assets | 0.7172% | 2,628 |
| Noninterest expense to average assets | 3.7530% | 1,323 |
| Loan and lease loss provision to assets | 0.7120% | 717 |
| Net operating income to assets | -0.0251% | 6,206 |
| Return on assets (ROA) | 0.0382% | 6,247 |
| Pretax return on assets | 0.1522% | 6,064 |
| Return on Equity (ROE) | 0.4124% | 6,242 |
| Retained earnings to average equity (ytd only) | 0.4124% | 5,652 |
| Net charge-offs to loans | 1.4358% | 635 |
| Credit loss provision to net charge-offs | 71.8458% | 4,103 |
| Earnings coverage of net charge-offs (x) | 0.7722% | 5,090 |
| Efficiency ratio | 83.0621% | 1,741 |
| Assets per employee ($millions) | 2.6861% | 6,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1403% | 1,665 |
| Loan loss allowance to noncurrent loans | 76.0954% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 3.9056% | 1,112 |
| Noncurrent loans to loans | 2.8127% | 1,873 |
| Net loans and leases to total assets | 66.8564% | 2,390 |
| Net loans and leases to deposits | 75.0793% | 2,950 |
| Net loans and leases to core deposits | 77.9392% | 3,268 |
| Total domestic deposits to total assets | 89.0478% | 1,528 |
| Equity capital to assets | 9.0312% | 5,490 |
| Core capital (leverage) ratio | 8.6033% | 5,460 |
| Tier 1 risk-based capital ratio | 11.4640% | 6,129 |
| Total risk-based capital ratio | 12.7227% | 6,091 |
| Memoranda: | ||
| Average total assets | $172,743,200 | 3,405 |
| Average earning assets | $145,508,200 | 3,632 |
| Average equity | $16,002,000 | 3,774 |
| Average total loans | $119,233,200 | 3,096 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1958% | 1,204 |
| Cost of funding earning assets | 0.5952% | 4,698 |
| Net interest margin | 4.6006% | 817 |
| Noninterest income to average assets | 0.7731% | 2,362 |
| Noninterest expense to average assets | 3.8162% | 1,179 |
| Loan and lease loss provision to assets | 0.5263% | 1,135 |
| Net operating income to assets | 0.3072% | 5,589 |
| Return on assets (ROA) | 0.3072% | 5,794 |
| Pretax return on assets | 0.3072% | 5,940 |
| Return on Equity (ROE) | 3.2958% | 5,578 |
| Retained earnings to average equity (ytd only) | 3.2958% | 4,549 |
| Net charge-offs to loans | 0.8667% | 1,268 |
| Credit loss provision to net charge-offs | 87.7419% | 3,368 |
| Earnings coverage of net charge-offs (x) | 1.3897% | 4,601 |
| Efficiency ratio | 82.0739% | 1,799 |
| Assets per employee ($millions) | 2.4776% | 6,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5781% | 1,106 |
| Loan loss allowance to noncurrent loans | 77.2871% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 4.7941% | 941 |
| Noncurrent loans to loans | 3.3358% | 1,650 |
| Net loans and leases to total assets | 65.9406% | 2,661 |
| Net loans and leases to deposits | 74.6432% | 3,199 |
| Net loans and leases to core deposits | 78.1052% | 3,444 |
| Total domestic deposits to total assets | 88.3410% | 1,820 |
| Equity capital to assets | 9.6677% | 4,962 |
| Core capital (leverage) ratio | 8.9919% | 5,078 |
| Tier 1 risk-based capital ratio | 11.8480% | 6,027 |
| Total risk-based capital ratio | 13.1103% | 6,002 |
| Memoranda: | ||
| Average total assets | $172,280,250 | 3,445 |
| Average earning assets | $145,165,250 | 3,672 |
| Average equity | $16,060,500 | 3,806 |
| Average total loans | $119,221,250 | 3,131 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2102% | 1,219 |
| Cost of funding earning assets | 0.6200% | 4,720 |
| Net interest margin | 4.5901% | 846 |
| Noninterest income to average assets | 0.6753% | 2,800 |
| Noninterest expense to average assets | 3.7315% | 1,322 |
| Loan and lease loss provision to assets | 0.4898% | 1,298 |
| Net operating income to assets | 0.3273% | 5,510 |
| Return on assets (ROA) | 0.3273% | 5,723 |
| Pretax return on assets | 0.3273% | 5,904 |
| Return on Equity (ROE) | 3.5534% | 5,461 |
| Retained earnings to average equity (ytd only) | 3.5534% | 4,233 |
| Net charge-offs to loans | 0.7292% | 1,519 |
| Credit loss provision to net charge-offs | 96.3719% | 2,870 |
| Earnings coverage of net charge-offs (x) | 1.6077% | 4,187 |
| Efficiency ratio | 82.0370% | 1,875 |
| Assets per employee ($millions) | 2.7129% | 6,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5285% | 1,248 |
| Loan loss allowance to noncurrent loans | 84.9704% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 4.8282% | 1,003 |
| Noncurrent loans to loans | 2.9757% | 1,995 |
| Net loans and leases to total assets | 69.1929% | 2,074 |
| Net loans and leases to deposits | 78.7342% | 2,558 |
| Net loans and leases to core deposits | 82.4117% | 2,915 |
| Total domestic deposits to total assets | 87.8815% | 2,223 |
| Equity capital to assets | 9.6083% | 4,904 |
| Core capital (leverage) ratio | 8.8900% | 5,064 |
| Tier 1 risk-based capital ratio | 11.4029% | 6,277 |
| Total risk-based capital ratio | 12.6654% | 6,245 |
| Memoranda: | ||
| Average total assets | $173,547,330 | 3,448 |
| Average earning assets | $146,444,670 | 3,666 |
| Average equity | $15,984,670 | 3,804 |
| Average total loans | $120,949,670 | 3,115 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1928% | 1,332 |
| Cost of funding earning assets | 0.6720% | 4,522 |
| Net interest margin | 4.5208% | 973 |
| Noninterest income to average assets | 0.8376% | 2,000 |
| Noninterest expense to average assets | 3.8474% | 1,138 |
| Loan and lease loss provision to assets | 0.6810% | 780 |
| Net operating income to assets | 0.1112% | 6,218 |
| Return on assets (ROA) | 0.1112% | 6,343 |
| Pretax return on assets | 0.1112% | 6,367 |
| Return on Equity (ROE) | 1.2330% | 6,300 |
| Retained earnings to average equity (ytd only) | 1.2330% | 5,598 |
| Net charge-offs to loans | 0.4633% | 1,929 |
| Credit loss provision to net charge-offs | 212.7660% | 1,281 |
| Earnings coverage of net charge-offs (x) | 2.4752% | 3,182 |
| Efficiency ratio | 82.9256% | 1,812 |
| Assets per employee ($millions) | 2.8585% | 6,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6300% | 1,193 |
| Loan loss allowance to noncurrent loans | 58.5303% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 5.4242% | 917 |
| Noncurrent loans to loans | 4.4933% | 1,302 |
| Net loans and leases to total assets | 66.7248% | 2,343 |
| Net loans and leases to deposits | 75.1887% | 2,946 |
| Net loans and leases to core deposits | 78.2205% | 3,295 |
| Total domestic deposits to total assets | 88.7431% | 1,856 |
| Equity capital to assets | 8.9722% | 5,538 |
| Core capital (leverage) ratio | 8.4079% | 5,729 |
| Tier 1 risk-based capital ratio | 11.2797% | 6,401 |
| Total risk-based capital ratio | 12.5445% | 6,372 |
| Memoranda: | ||
| Average total assets | $176,222,000 | 3,436 |
| Average earning assets | $148,204,000 | 3,655 |
| Average equity | $15,896,500 | 3,831 |
| Average total loans | $121,724,500 | 3,114 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4578% | 1,271 |
| Cost of funding earning assets | 0.8783% | 4,267 |
| Net interest margin | 4.5795% | 959 |
| Noninterest income to average assets | 0.6928% | 2,641 |
| Noninterest expense to average assets | 3.6347% | 1,674 |
| Loan and lease loss provision to assets | 0.6894% | 1,487 |
| Net operating income to assets | 0.2608% | 5,396 |
| Return on assets (ROA) | 0.2608% | 5,540 |
| Pretax return on assets | 0.2959% | 5,566 |
| Return on Equity (ROE) | 2.9128% | 5,324 |
| Retained earnings to average equity (ytd only) | 2.9128% | 4,167 |
| Net charge-offs to loans | 1.2575% | 1,327 |
| Credit loss provision to net charge-offs | 77.8210% | 4,560 |
| Earnings coverage of net charge-offs (x) | 1.1122% | 4,951 |
| Efficiency ratio | 78.6745% | 2,501 |
| Assets per employee ($millions) | 2.9698% | 6,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4877% | 1,333 |
| Loan loss allowance to noncurrent loans | 46.0966% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 5.8236% | 862 |
| Noncurrent loans to loans | 5.3966% | 996 |
| Net loans and leases to total assets | 67.8962% | 2,416 |
| Net loans and leases to deposits | 77.8768% | 2,864 |
| Net loans and leases to core deposits | 81.2527% | 3,293 |
| Total domestic deposits to total assets | 87.1840% | 2,652 |
| Equity capital to assets | 9.0698% | 5,467 |
| Core capital (leverage) ratio | 8.5647% | 5,455 |
| Tier 1 risk-based capital ratio | 11.1505% | 6,373 |
| Total risk-based capital ratio | 12.4134% | 6,350 |
| Memoranda: | ||
| Average total assets | $174,071,200 | 3,432 |
| Average earning assets | $149,272,600 | 3,587 |
| Average equity | $15,586,400 | 3,794 |
| Average total loans | $122,619,800 | 3,132 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5104% | 1,227 |
| Cost of funding earning assets | 0.9157% | 4,297 |
| Net interest margin | 4.5947% | 956 |
| Noninterest income to average assets | 0.7672% | 2,214 |
| Noninterest expense to average assets | 3.7118% | 1,469 |
| Loan and lease loss provision to assets | 0.7289% | 1,315 |
| Net operating income to assets | 0.2877% | 5,436 |
| Return on assets (ROA) | 0.2877% | 5,610 |
| Pretax return on assets | 0.2877% | 5,728 |
| Return on Equity (ROE) | 3.2237% | 5,340 |
| Retained earnings to average equity (ytd only) | 3.2237% | 4,416 |
| Net charge-offs to loans | 0.6570% | 2,284 |
| Credit loss provision to net charge-offs | 157.0248% | 1,977 |
| Earnings coverage of net charge-offs (x) | 2.1901% | 4,031 |
| Efficiency ratio | 78.5007% | 2,481 |
| Assets per employee ($millions) | 2.8143% | 6,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1297% | 776 |
| Loan loss allowance to noncurrent loans | 60.7277% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 5.8694% | 926 |
| Noncurrent loans to loans | 5.1537% | 1,188 |
| Net loans and leases to total assets | 67.1072% | 2,652 |
| Net loans and leases to deposits | 77.0475% | 3,161 |
| Net loans and leases to core deposits | 80.7428% | 3,523 |
| Total domestic deposits to total assets | 87.0985% | 2,595 |
| Equity capital to assets | 9.2031% | 5,509 |
| Core capital (leverage) ratio | 8.6056% | 5,541 |
| Tier 1 risk-based capital ratio | 11.3858% | 6,305 |
| Total risk-based capital ratio | 12.6559% | 6,292 |
| Memoranda: | ||
| Average total assets | $173,784,250 | 3,453 |
| Average earning assets | $149,822,000 | 3,606 |
| Average equity | $15,510,000 | 3,823 |
| Average total loans | $122,774,250 | 3,150 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5147% | 1,269 |
| Cost of funding earning assets | 0.9498% | 4,319 |
| Net interest margin | 4.5649% | 976 |
| Noninterest income to average assets | 0.7210% | 2,433 |
| Noninterest expense to average assets | 3.6369% | 1,655 |
| Loan and lease loss provision to assets | 0.8023% | 1,148 |
| Net operating income to assets | 0.2258% | 5,644 |
| Return on assets (ROA) | 0.2258% | 5,765 |
| Pretax return on assets | 0.2258% | 5,867 |
| Return on Equity (ROE) | 2.5562% | 5,581 |
| Retained earnings to average equity (ytd only) | 2.5562% | 4,665 |
| Net charge-offs to loans | 0.2579% | 3,596 |
| Credit loss provision to net charge-offs | 437.5000% | 692 |
| Earnings coverage of net charge-offs (x) | 5.6063% | 2,576 |
| Efficiency ratio | 77.9607% | 2,719 |
| Assets per employee ($millions) | 2.8188% | 6,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2208% | 747 |
| Loan loss allowance to noncurrent loans | 60.0491% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 6.0896% | 917 |
| Noncurrent loans to loans | 5.3636% | 1,188 |
| Net loans and leases to total assets | 68.4505% | 2,525 |
| Net loans and leases to deposits | 78.4301% | 3,049 |
| Net loans and leases to core deposits | 82.3538% | 3,453 |
| Total domestic deposits to total assets | 87.2759% | 2,586 |
| Equity capital to assets | 9.0387% | 5,522 |
| Core capital (leverage) ratio | 8.3154% | 5,844 |
| Tier 1 risk-based capital ratio | 10.9487% | 6,572 |
| Total risk-based capital ratio | 12.2052% | 6,535 |
| Memoranda: | ||
| Average total assets | $174,489,000 | 3,455 |
| Average earning assets | $150,760,670 | 3,617 |
| Average equity | $15,413,670 | 3,834 |
| Average total loans | $124,057,330 | 3,142 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5571% | 1,162 |
| Cost of funding earning assets | 0.9774% | 4,374 |
| Net interest margin | 4.5796% | 898 |
| Noninterest income to average assets | 0.7010% | 2,571 |
| Noninterest expense to average assets | 3.5435% | 1,894 |
| Loan and lease loss provision to assets | 0.9103% | 879 |
| Net operating income to assets | 0.2139% | 5,742 |
| Return on assets (ROA) | 0.2139% | 5,805 |
| Pretax return on assets | 0.2139% | 5,907 |
| Return on Equity (ROE) | 2.4496% | 5,619 |
| Retained earnings to average equity (ytd only) | 2.4496% | 4,685 |
| Net charge-offs to loans | 0.2171% | 3,216 |
| Credit loss provision to net charge-offs | 588.2353% | 641 |
| Earnings coverage of net charge-offs (x) | 7.2647% | 1,968 |
| Efficiency ratio | 75.9142% | 3,177 |
| Assets per employee ($millions) | 2.8371% | 6,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0288% | 896 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 4.5094% | 1,444 |
| Noncurrent loans to loans | 3.0288% | 2,481 |
| Net loans and leases to total assets | 67.5090% | 2,651 |
| Net loans and leases to deposits | 77.3954% | 3,176 |
| Net loans and leases to core deposits | 81.0388% | 3,600 |
| Total domestic deposits to total assets | 87.2261% | 2,810 |
| Equity capital to assets | 8.7454% | 5,584 |
| Core capital (leverage) ratio | 8.1163% | 6,100 |
| Tier 1 risk-based capital ratio | 10.7197% | 6,678 |
| Total risk-based capital ratio | 11.9522% | 6,678 |
| Memoranda: | ||
| Average total assets | $175,759,000 | 3,457 |
| Average earning assets | $152,239,000 | 3,606 |
| Average equity | $15,349,500 | 3,836 |
| Average total loans | $125,277,500 | 3,149 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7268% | 1,480 |
| Cost of funding earning assets | 1.4124% | 3,186 |
| Net interest margin | 4.3144% | 1,772 |
| Noninterest income to average assets | 0.6299% | 3,285 |
| Noninterest expense to average assets | 3.3241% | 2,657 |
| Loan and lease loss provision to assets | 2.0222% | 648 |
| Net operating income to assets | -1.2902% | 6,825 |
| Return on assets (ROA) | -1.2902% | 6,852 |
| Pretax return on assets | -0.8868% | 6,569 |
| Return on Equity (ROE) | -14.4042% | 6,900 |
| Retained earnings to average equity (ytd only) | -14.4042% | 6,860 |
| Net charge-offs to loans | 2.3046% | 838 |
| Credit loss provision to net charge-offs | 116.4782% | 3,693 |
| Earnings coverage of net charge-offs (x) | 0.6540% | 5,456 |
| Efficiency ratio | 74.5409% | 3,288 |
| Assets per employee ($millions) | 2.7876% | 6,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6362% | 1,247 |
| Loan loss allowance to noncurrent loans | 84.3828% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 4.6270% | 1,439 |
| Noncurrent loans to loans | 3.1241% | 2,444 |
| Net loans and leases to total assets | 71.0181% | 2,298 |
| Net loans and leases to deposits | 81.9720% | 2,815 |
| Net loans and leases to core deposits | 86.9919% | 3,186 |
| Total domestic deposits to total assets | 86.6371% | 3,013 |
| Equity capital to assets | 8.7211% | 5,552 |
| Core capital (leverage) ratio | 8.0449% | 6,127 |
| Tier 1 risk-based capital ratio | 10.3996% | 6,761 |
| Total risk-based capital ratio | 11.6610% | 6,735 |
| Memoranda: | ||
| Average total assets | $178,271,600 | 3,408 |
| Average earning assets | $158,239,200 | 3,479 |
| Average equity | $15,967,600 | 3,773 |
| Average total loans | $134,297,000 | 3,048 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7092% | 1,685 |
| Cost of funding earning assets | 1.4991% | 2,990 |
| Net interest margin | 4.2101% | 2,187 |
| Noninterest income to average assets | 0.5790% | 3,589 |
| Noninterest expense to average assets | 3.2726% | 2,666 |
| Loan and lease loss provision to assets | 1.1699% | 1,228 |
| Net operating income to assets | -0.0574% | 6,113 |
| Return on assets (ROA) | -0.0574% | 6,223 |
| Pretax return on assets | -0.1177% | 6,239 |
| Return on Equity (ROE) | -0.6364% | 6,240 |
| Retained earnings to average equity (ytd only) | -0.6364% | 5,949 |
| Net charge-offs to loans | 1.3348% | 1,521 |
| Credit loss provision to net charge-offs | 115.4412% | 3,614 |
| Earnings coverage of net charge-offs (x) | 1.0382% | 5,022 |
| Efficiency ratio | 75.6720% | 3,008 |
| Assets per employee ($millions) | 2.9930% | 6,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3054% | 1,619 |
| Loan loss allowance to noncurrent loans | 63.2813% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 4.9761% | 1,297 |
| Noncurrent loans to loans | 3.6431% | 2,146 |
| Net loans and leases to total assets | 72.6334% | 2,092 |
| Net loans and leases to deposits | 84.5597% | 2,604 |
| Net loans and leases to core deposits | 89.6615% | 3,148 |
| Total domestic deposits to total assets | 85.8960% | 3,130 |
| Equity capital to assets | 8.9665% | 5,629 |
| Core capital (leverage) ratio | 8.1003% | 6,199 |
| Tier 1 risk-based capital ratio | 9.8584% | 7,133 |
| Total risk-based capital ratio | 11.1192% | 7,124 |
| Memoranda: | ||
| Average total assets | $178,934,500 | 3,435 |
| Average earning assets | $159,200,750 | 3,512 |
| Average equity | $16,130,500 | 3,787 |
| Average total loans | $135,846,500 | 3,056 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7306% | 1,650 |
| Cost of funding earning assets | 1.5663% | 2,861 |
| Net interest margin | 4.1643% | 2,278 |
| Noninterest income to average assets | 0.4398% | 4,609 |
| Noninterest expense to average assets | 3.1692% | 3,021 |
| Loan and lease loss provision to assets | 0.9064% | 1,605 |
| Net operating income to assets | 0.0761% | 5,934 |
| Return on assets (ROA) | 0.0761% | 6,035 |
| Pretax return on assets | 0.0862% | 6,005 |
| Return on Equity (ROE) | 0.8426% | 5,997 |
| Retained earnings to average equity (ytd only) | 0.8426% | 5,432 |
| Net charge-offs to loans | 1.0467% | 1,791 |
| Credit loss provision to net charge-offs | 113.2867% | 3,591 |
| Earnings coverage of net charge-offs (x) | 1.2406% | 4,576 |
| Efficiency ratio | 76.1495% | 3,049 |
| Assets per employee ($millions) | 3.0512% | 6,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1871% | 1,789 |
| Loan loss allowance to noncurrent loans | 51.5310% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 4.9765% | 1,299 |
| Noncurrent loans to loans | 4.2443% | 1,756 |
| Net loans and leases to total assets | 76.1658% | 1,467 |
| Net loans and leases to deposits | 90.2800% | 1,808 |
| Net loans and leases to core deposits | 96.7633% | 2,355 |
| Total domestic deposits to total assets | 84.3662% | 3,927 |
| Equity capital to assets | 9.3044% | 4,998 |
| Core capital (leverage) ratio | 8.2542% | 5,848 |
| Tier 1 risk-based capital ratio | 10.0441% | 6,997 |
| Total risk-based capital ratio | 11.3037% | 6,974 |
| Memoranda: | ||
| Average total assets | $178,719,330 | 3,459 |
| Average earning assets | $159,738,000 | 3,520 |
| Average equity | $16,140,000 | 3,770 |
| Average total loans | $136,624,330 | 3,076 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6091% | 2,110 |
| Cost of funding earning assets | 1.6288% | 2,780 |
| Net interest margin | 3.9803% | 2,955 |
| Noninterest income to average assets | 0.5035% | 4,026 |
| Noninterest expense to average assets | 3.1449% | 3,080 |
| Loan and lease loss provision to assets | 0.9938% | 1,257 |
| Net operating income to assets | -0.0398% | 6,361 |
| Return on assets (ROA) | -0.0398% | 6,445 |
| Pretax return on assets | -0.0839% | 6,446 |
| Return on Equity (ROE) | -0.4467% | 6,459 |
| Retained earnings to average equity (ytd only) | -0.4467% | 5,933 |
| Net charge-offs to loans | 0.8570% | 1,829 |
| Credit loss provision to net charge-offs | 153.0612% | 2,343 |
| Earnings coverage of net charge-offs (x) | 1.4014% | 3,906 |
| Efficiency ratio | 77.5599% | 2,966 |
| Assets per employee ($millions) | 3.1178% | 5,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2176% | 1,717 |
| Loan loss allowance to noncurrent loans | 55.2752% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 4.8216% | 1,365 |
| Noncurrent loans to loans | 4.0120% | 1,953 |
| Net loans and leases to total assets | 73.7106% | 2,033 |
| Net loans and leases to deposits | 89.2099% | 2,035 |
| Net loans and leases to core deposits | 92.6315% | 3,021 |
| Total domestic deposits to total assets | 82.6260% | 4,786 |
| Equity capital to assets | 8.9055% | 5,404 |
| Core capital (leverage) ratio | 7.9151% | 6,362 |
| Tier 1 risk-based capital ratio | 9.7706% | 7,165 |
| Total risk-based capital ratio | 11.0307% | 7,162 |
| Memoranda: | ||
| Average total assets | $181,120,000 | 3,479 |
| Average earning assets | $161,595,500 | 3,534 |
| Average equity | $16,119,000 | 3,813 |
| Average total loans | $137,222,500 | 3,124 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2056% | 1,225 |
| Cost of funding earning assets | 1.9830% | 3,042 |
| Net interest margin | 4.2226% | 1,997 |
| Noninterest income to average assets | 0.6079% | 3,569 |
| Noninterest expense to average assets | 3.3135% | 2,969 |
| Loan and lease loss provision to assets | 1.2961% | 1,785 |
| Net operating income to assets | -0.1191% | 5,706 |
| Return on assets (ROA) | -0.1095% | 5,699 |
| Pretax return on assets | -0.1892% | 5,692 |
| Return on Equity (ROE) | -1.2170% | 5,726 |
| Retained earnings to average equity (ytd only) | -1.2170% | 5,317 |
| Net charge-offs to loans | 2.4021% | 951 |
| Credit loss provision to net charge-offs | 67.6190% | 6,536 |
| Earnings coverage of net charge-offs (x) | 0.5697% | 5,538 |
| Efficiency ratio | 75.2135% | 3,666 |
| Assets per employee ($millions) | 2.9739% | 6,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0756% | 1,866 |
| Loan loss allowance to noncurrent loans | 57.1002% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 4.3471% | 1,502 |
| Noncurrent loans to loans | 3.6350% | 2,074 |
| Net loans and leases to total assets | 74.5627% | 2,132 |
| Net loans and leases to deposits | 91.4699% | 1,970 |
| Net loans and leases to core deposits | 102.8389% | 3,707 |
| Total domestic deposits to total assets | 81.5161% | 5,146 |
| Equity capital to assets | 8.8938% | 5,290 |
| Core capital (leverage) ratio | 8.5417% | 5,214 |
| Tier 1 risk-based capital ratio | 10.1829% | 6,699 |
| Total risk-based capital ratio | 11.4411% | 6,667 |
| Memoranda: | ||
| Average total assets | $180,777,000 | 3,426 |
| Average earning assets | $162,578,400 | 3,471 |
| Average equity | $16,269,200 | 3,828 |
| Average total loans | $144,249,000 | 3,014 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2007% | 1,380 |
| Cost of funding earning assets | 2.0571% | 3,084 |
| Net interest margin | 4.1436% | 2,235 |
| Noninterest income to average assets | 0.5957% | 3,745 |
| Noninterest expense to average assets | 3.3447% | 2,742 |
| Loan and lease loss provision to assets | 1.1804% | 1,645 |
| Net operating income to assets | -0.0952% | 5,883 |
| Return on assets (ROA) | -0.0952% | 5,919 |
| Pretax return on assets | -0.1971% | 5,976 |
| Return on Equity (ROE) | -1.0550% | 5,939 |
| Retained earnings to average equity (ytd only) | -1.0550% | 5,501 |
| Net charge-offs to loans | 2.1036% | 924 |
| Credit loss provision to net charge-offs | 69.5217% | 5,990 |
| Earnings coverage of net charge-offs (x) | 0.5791% | 5,451 |
| Efficiency ratio | 77.2813% | 3,276 |
| Assets per employee ($millions) | 2.9002% | 6,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3098% | 1,283 |
| Loan loss allowance to noncurrent loans | 57.7450% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 4.7159% | 1,267 |
| Noncurrent loans to loans | 4.0001% | 1,835 |
| Net loans and leases to total assets | 78.6045% | 1,462 |
| Net loans and leases to deposits | 98.6934% | 1,243 |
| Net loans and leases to core deposits | 110.7880% | 3,148 |
| Total domestic deposits to total assets | 79.6451% | 5,577 |
| Equity capital to assets | 9.1843% | 5,191 |
| Core capital (leverage) ratio | 8.3056% | 5,823 |
| Tier 1 risk-based capital ratio | 9.8118% | 7,128 |
| Total risk-based capital ratio | 11.0736% | 7,084 |
| Memoranda: | ||
| Average total assets | $180,619,500 | 3,458 |
| Average earning assets | $162,688,000 | 3,499 |
| Average equity | $16,303,000 | 3,853 |
| Average total loans | $145,779,000 | 3,021 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2166% | 1,406 |
| Cost of funding earning assets | 2.1072% | 3,229 |
| Net interest margin | 4.1093% | 2,290 |
| Noninterest income to average assets | 0.5873% | 3,792 |
| Noninterest expense to average assets | 3.2938% | 2,982 |
| Loan and lease loss provision to assets | 1.4011% | 1,238 |
| Net operating income to assets | -0.2584% | 6,272 |
| Return on assets (ROA) | -0.2584% | 6,285 |
| Pretax return on assets | -0.4102% | 6,337 |
| Return on Equity (ROE) | -2.8797% | 6,347 |
| Retained earnings to average equity (ytd only) | -2.8797% | 5,945 |
| Net charge-offs to loans | 2.2719% | 788 |
| Credit loss provision to net charge-offs | 76.3331% | 5,296 |
| Earnings coverage of net charge-offs (x) | 0.5398% | 5,169 |
| Efficiency ratio | 76.8737% | 3,529 |
| Assets per employee ($millions) | 2.9587% | 6,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4660% | 932 |
| Loan loss allowance to noncurrent loans | 66.9398% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 4.6221% | 1,198 |
| Noncurrent loans to loans | 3.6838% | 1,890 |
| Net loans and leases to total assets | 78.7619% | 1,579 |
| Net loans and leases to deposits | 99.4272% | 1,342 |
| Net loans and leases to core deposits | 110.9255% | 3,265 |
| Total domestic deposits to total assets | 79.2157% | 5,744 |
| Equity capital to assets | 8.9233% | 5,418 |
| Core capital (leverage) ratio | 8.2857% | 5,825 |
| Tier 1 risk-based capital ratio | 9.6253% | 7,296 |
| Total risk-based capital ratio | 10.8894% | 7,233 |
| Memoranda: | ||
| Average total assets | $181,855,670 | 3,456 |
| Average earning assets | $163,627,000 | 3,492 |
| Average equity | $16,321,330 | 3,854 |
| Average total loans | $146,922,670 | 3,031 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2719% | 1,383 |
| Cost of funding earning assets | 2.1541% | 3,400 |
| Net interest margin | 4.1178% | 2,218 |
| Noninterest income to average assets | 0.7538% | 2,575 |
| Noninterest expense to average assets | 3.2694% | 2,740 |
| Loan and lease loss provision to assets | 0.5807% | 2,170 |
| Net operating income to assets | 0.4054% | 4,834 |
| Return on assets (ROA) | 0.4054% | 5,016 |
| Pretax return on assets | 0.5982% | 4,754 |
| Return on Equity (ROE) | 4.5041% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.5041% | 3,426 |
| Net charge-offs to loans | 2.5029% | 557 |
| Credit loss provision to net charge-offs | 28.7107% | 4,965 |
| Earnings coverage of net charge-offs (x) | 0.5829% | 4,528 |
| Efficiency ratio | 73.4975% | 3,916 |
| Assets per employee ($millions) | 2.9776% | 6,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2809% | 969 |
| Loan loss allowance to noncurrent loans | 59.7167% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 5.0024% | 899 |
| Noncurrent loans to loans | 3.8195% | 1,610 |
| Net loans and leases to total assets | 79.8801% | 1,412 |
| Net loans and leases to deposits | 102.4958% | 1,130 |
| Net loans and leases to core deposits | 117.2427% | 2,660 |
| Total domestic deposits to total assets | 77.9350% | 6,035 |
| Equity capital to assets | 9.2419% | 5,025 |
| Core capital (leverage) ratio | 8.4311% | 5,660 |
| Tier 1 risk-based capital ratio | 9.7709% | 7,177 |
| Total risk-based capital ratio | 10.9109% | 7,210 |
| Memoranda: | ||
| Average total assets | $182,542,500 | 3,469 |
| Average earning assets | $163,778,500 | 3,514 |
| Average equity | $16,429,500 | 3,857 |
| Average total loans | $147,511,500 | 3,049 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7083% | 1,998 |
| Cost of funding earning assets | 2.7014% | 3,148 |
| Net interest margin | 4.0070% | 3,078 |
| Noninterest income to average assets | 0.3628% | 5,813 |
| Noninterest expense to average assets | 3.2476% | 3,157 |
| Loan and lease loss provision to assets | 1.6014% | 824 |
| Net operating income to assets | -0.5540% | 6,959 |
| Return on assets (ROA) | -0.5540% | 6,849 |
| Pretax return on assets | -0.8623% | 6,918 |
| Return on Equity (ROE) | -6.0653% | 6,965 |
| Retained earnings to average equity (ytd only) | -6.0653% | 6,671 |
| Net charge-offs to loans | 1.2918% | 926 |
| Credit loss provision to net charge-offs | 149.0452% | 3,540 |
| Earnings coverage of net charge-offs (x) | 0.6879% | 5,811 |
| Efficiency ratio | 81.4599% | 2,379 |
| Assets per employee ($millions) | 3.1072% | 5,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6775% | 572 |
| Loan loss allowance to noncurrent loans | 69.5069% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 4.6806% | 779 |
| Noncurrent loans to loans | 3.8521% | 1,287 |
| Net loans and leases to total assets | 77.7735% | 2,200 |
| Net loans and leases to deposits | 99.8457% | 1,848 |
| Net loans and leases to core deposits | 115.8988% | 3,128 |
| Total domestic deposits to total assets | 77.8937% | 5,751 |
| Equity capital to assets | 8.7689% | 5,706 |
| Core capital (leverage) ratio | 8.2274% | 6,112 |
| Tier 1 risk-based capital ratio | 9.6223% | 7,183 |
| Total risk-based capital ratio | 10.8879% | 7,052 |
| Memoranda: | ||
| Average total assets | $185,211,000 | 3,335 |
| Average earning assets | $167,507,800 | 3,367 |
| Average equity | $16,915,800 | 3,754 |
| Average total loans | $154,052,200 | 2,857 |