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 | 3.9259% | 4,060 |
| Cost of funding earning assets | 1.2461% | 2,666 |
| Net interest margin | 2.6798% | 3,847 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.9029% | 1,267 |
| Loan and lease loss provision to assets | -0.3000% | 4,573 |
| Net operating income to assets | 0.2000% | 4,164 |
| Return on assets (ROA) | 0.1973% | 4,180 |
| Pretax return on assets | 0.2051% | 4,191 |
| Return on Equity (ROE) | 2.5300% | 4,094 |
| Retained earnings to average equity (ytd only) | 0.3325% | 3,978 |
| Net charge-offs to loans | 0.0232% | 1,857 |
| Credit loss provision to net charge-offs | -3,633.3333% | 4,587 |
| Earnings coverage of net charge-offs (x) | -11.0000% | 4,554 |
| Efficiency ratio | 103.2080% | 159 |
| Assets per employee ($millions) | 5.5957% | 3,165 |
| Cash dividends to net income (ytd only)* | 86.8360% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 3,093 |
| Loan loss allowance to noncurrent loans | 54.4528% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 0.6572% | 812 |
| Noncurrent loans to loans | 1.9178% | 303 |
| Net loans and leases to total assets | 33.9100% | 4,214 |
| Net loans and leases to deposits | 37.2258% | 4,251 |
| Net loans and leases to core deposits | 42.9117% | 4,226 |
| Total domestic deposits to total assets | 91.1000% | 480 |
| Equity capital to assets | 8.1317% | 3,327 |
| Core capital (leverage) ratio | 11.7696% | 1,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1942% | 413 |
| Memoranda: | ||
| Average total assets | $219,433,200 | 2,850 |
| Average earning assets | $197,101,000 | 2,894 |
| Average equity | $17,142,400 | 3,079 |
| Average total loans | $77,719,800 | 3,444 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8763% | 4,031 |
| Cost of funding earning assets | 1.0595% | 2,864 |
| Net interest margin | 2.8169% | 3,703 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.9306% | 1,174 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0426% | 4,352 |
| Return on assets (ROA) | 0.0397% | 4,376 |
| Pretax return on assets | -0.0031% | 4,405 |
| Return on Equity (ROE) | 0.5100% | 4,356 |
| Retained earnings to average equity (ytd only) | -0.9717% | 4,248 |
| Net charge-offs to loans | 0.0325% | 1,430 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0526% | 2,567 |
| Efficiency ratio | 99.9792% | 182 |
| Assets per employee ($millions) | 4.7132% | 3,801 |
| Cash dividends to net income (ytd only)* | 289.2308% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9119% | 467 |
| Loan loss allowance to noncurrent loans | 93.2649% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.7191% | 783 |
| Noncurrent loans to loans | 2.0500% | 288 |
| Net loans and leases to total assets | 34.4100% | 4,234 |
| Net loans and leases to deposits | 37.3902% | 4,270 |
| Net loans and leases to core deposits | 43.1178% | 4,191 |
| Total domestic deposits to total assets | 92.0200% | 444 |
| Equity capital to assets | 7.2470% | 3,488 |
| Core capital (leverage) ratio | 11.7864% | 1,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0880% | 379 |
| Memoranda: | ||
| Average total assets | $218,334,500 | 2,871 |
| Average earning assets | $195,815,750 | 2,912 |
| Average equity | $16,877,750 | 3,092 |
| Average total loans | $77,973,750 | 3,442 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7618% | 4,064 |
| Cost of funding earning assets | 0.8461% | 3,083 |
| Net interest margin | 2.9157% | 3,621 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.9692% | 1,090 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0795% | 4,377 |
| Return on assets (ROA) | 0.0740% | 4,413 |
| Pretax return on assets | 0.0384% | 4,428 |
| Return on Equity (ROE) | 0.9400% | 4,378 |
| Retained earnings to average equity (ytd only) | -1.2394% | 4,235 |
| Net charge-offs to loans | 0.0560% | 967 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 2.1818% | 2,319 |
| Efficiency ratio | 98.5441% | 190 |
| Assets per employee ($millions) | 4.7161% | 3,813 |
| Cash dividends to net income (ytd only)* | 232.0988% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8630% | 535 |
| Loan loss allowance to noncurrent loans | 86.6786% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.7716% | 660 |
| Noncurrent loans to loans | 2.1493% | 243 |
| Net loans and leases to total assets | 35.2300% | 4,203 |
| Net loans and leases to deposits | 38.5180% | 4,245 |
| Net loans and leases to core deposits | 44.3242% | 4,163 |
| Total domestic deposits to total assets | 91.4700% | 513 |
| Equity capital to assets | 7.9298% | 3,260 |
| Core capital (leverage) ratio | 11.8160% | 1,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8356% | 393 |
| Memoranda: | ||
| Average total assets | $218,843,667 | 2,876 |
| Average earning assets | $196,661,667 | 2,915 |
| Average equity | $17,266,333 | 3,080 |
| Average total loans | $78,615,000 | 3,435 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7264% | 3,984 |
| Cost of funding earning assets | 0.6059% | 3,366 |
| Net interest margin | 3.1205% | 3,303 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.8772% | 1,282 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2944% | 4,258 |
| Return on assets (ROA) | 0.2857% | 4,229 |
| Pretax return on assets | 0.3021% | 4,261 |
| Return on Equity (ROE) | 3.6300% | 4,097 |
| Retained earnings to average equity (ytd only) | 3.6305% | 3,362 |
| Net charge-offs to loans | 0.0760% | 694 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 11.4000% | 1,639 |
| Efficiency ratio | 90.2397% | 349 |
| Assets per employee ($millions) | 4.7006% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8655% | 580 |
| Loan loss allowance to noncurrent loans | 76.3874% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.8833% | 511 |
| Noncurrent loans to loans | 2.4422% | 203 |
| Net loans and leases to total assets | 35.4900% | 4,211 |
| Net loans and leases to deposits | 38.8783% | 4,258 |
| Net loans and leases to core deposits | 43.9936% | 4,170 |
| Total domestic deposits to total assets | 91.3000% | 701 |
| Equity capital to assets | 8.2292% | 3,094 |
| Core capital (leverage) ratio | 11.7273% | 1,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0725% | 393 |
| Memoranda: | ||
| Average total assets | $219,795,500 | 2,911 |
| Average earning assets | $197,403,500 | 2,943 |
| Average equity | $17,298,000 | 3,108 |
| Average total loans | $78,980,000 | 3,465 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2748% | 3,650 |
| Cost of funding earning assets | 0.2309% | 3,508 |
| Net interest margin | 3.0440% | 3,323 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.6218% | 1,766 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4272% | 4,211 |
| Return on assets (ROA) | 0.4272% | 4,174 |
| Pretax return on assets | 0.5181% | 4,155 |
| Return on Equity (ROE) | 5.3200% | 3,963 |
| Retained earnings to average equity (ytd only) | 3.3369% | 3,615 |
| Net charge-offs to loans | -0.1274% | 4,565 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.4995% | 510 |
| Assets per employee ($millions) | 4.8525% | 3,779 |
| Cash dividends to net income (ytd only)* | 37.2277% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8470% | 603 |
| Loan loss allowance to noncurrent loans | 72.7407% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.9072% | 490 |
| Noncurrent loans to loans | 2.5392% | 182 |
| Net loans and leases to total assets | 35.0700% | 4,258 |
| Net loans and leases to deposits | 38.1111% | 4,287 |
| Net loans and leases to core deposits | 43.0762% | 4,204 |
| Total domestic deposits to total assets | 92.0200% | 637 |
| Equity capital to assets | 7.4623% | 3,402 |
| Core capital (leverage) ratio | 11.1366% | 1,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0796% | 413 |
| Memoranda: | ||
| Average total assets | $236,439,400 | 2,809 |
| Average earning assets | $212,255,400 | 2,846 |
| Average equity | $18,999,600 | 3,038 |
| Average total loans | $80,846,400 | 3,405 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1575% | 3,543 |
| Cost of funding earning assets | 0.2211% | 3,023 |
| Net interest margin | 2.9364% | 3,396 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.5649% | 1,809 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4065% | 4,230 |
| Return on assets (ROA) | 0.4065% | 4,171 |
| Pretax return on assets | 0.4911% | 4,166 |
| Return on Equity (ROE) | 4.9800% | 3,983 |
| Retained earnings to average equity (ytd only) | 3.6966% | 3,558 |
| Net charge-offs to loans | -0.0592% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.9308% | 550 |
| Assets per employee ($millions) | 5.1705% | 3,530 |
| Cash dividends to net income (ytd only)* | 25.7182% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7521% | 800 |
| Loan loss allowance to noncurrent loans | 65.9165% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.9167% | 507 |
| Noncurrent loans to loans | 2.6581% | 192 |
| Net loans and leases to total assets | 33.8800% | 4,307 |
| Net loans and leases to deposits | 36.4188% | 4,351 |
| Net loans and leases to core deposits | 41.2331% | 4,244 |
| Total domestic deposits to total assets | 93.0400% | 570 |
| Equity capital to assets | 6.5749% | 3,705 |
| Core capital (leverage) ratio | 10.5217% | 2,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5039% | 463 |
| Memoranda: | ||
| Average total assets | $239,745,250 | 2,805 |
| Average earning assets | $215,270,000 | 2,843 |
| Average equity | $19,585,250 | 3,028 |
| Average total loans | $81,120,250 | 3,410 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0103% | 3,537 |
| Cost of funding earning assets | 0.2222% | 2,619 |
| Net interest margin | 2.7881% | 3,479 |
| Noninterest income to average assets | 0.4510% | 2,439 |
| Noninterest expense to average assets | 2.5642% | 1,743 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3346% | 4,224 |
| Return on assets (ROA) | 0.3346% | 4,181 |
| Pretax return on assets | 0.3949% | 4,171 |
| Return on Equity (ROE) | 3.8545% | 4,060 |
| Retained earnings to average equity (ytd only) | 2.0653% | 3,732 |
| Net charge-offs to loans | -0.0467% | 4,213 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6555% | 554 |
| Assets per employee ($millions) | 5.0634% | 3,624 |
| Cash dividends to net income (ytd only)* | 46.4198% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6989% | 961 |
| Loan loss allowance to noncurrent loans | 62.2870% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.9175% | 542 |
| Noncurrent loans to loans | 2.7276% | 196 |
| Net loans and leases to total assets | 33.0679% | 4,368 |
| Net loans and leases to deposits | 35.9731% | 4,392 |
| Net loans and leases to core deposits | 41.4478% | 4,282 |
| Total domestic deposits to total assets | 91.9240% | 867 |
| Equity capital to assets | 7.6946% | 3,348 |
| Core capital (leverage) ratio | 10.3468% | 2,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5285% | 505 |
| Memoranda: | ||
| Average total assets | $242,103,000 | 2,814 |
| Average earning assets | $217,783,000 | 2,866 |
| Average equity | $21,014,333 | 2,973 |
| Average total loans | $81,412,000 | 3,433 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9664% | 3,353 |
| Cost of funding earning assets | 0.2233% | 2,480 |
| Net interest margin | 2.7431% | 3,302 |
| Noninterest income to average assets | 0.3294% | 3,130 |
| Noninterest expense to average assets | 2.4285% | 2,077 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3245% | 4,096 |
| Return on assets (ROA) | 0.3245% | 4,063 |
| Pretax return on assets | 0.3824% | 4,065 |
| Return on Equity (ROE) | 3.5362% | 3,989 |
| Retained earnings to average equity (ytd only) | 3.5362% | 3,107 |
| Net charge-offs to loans | -0.0394% | 4,181 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3958% | 717 |
| Assets per employee ($millions) | 4.7855% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6977% | 1,057 |
| Loan loss allowance to noncurrent loans | 61.0816% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 0.9429% | 550 |
| Noncurrent loans to loans | 2.7795% | 198 |
| Net loans and leases to total assets | 33.3464% | 4,326 |
| Net loans and leases to deposits | 36.6556% | 4,365 |
| Net loans and leases to core deposits | 42.2591% | 4,231 |
| Total domestic deposits to total assets | 90.9722% | 1,052 |
| Equity capital to assets | 8.6027% | 3,078 |
| Core capital (leverage) ratio | 10.1352% | 2,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0498% | 485 |
| Memoranda: | ||
| Average total assets | $241,633,500 | 2,835 |
| Average earning assets | $218,584,500 | 2,872 |
| Average equity | $22,171,000 | 2,972 |
| Average total loans | $81,239,000 | 3,441 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2706% | 3,292 |
| Cost of funding earning assets | 0.3047% | 2,365 |
| Net interest margin | 2.9659% | 3,281 |
| Noninterest income to average assets | 0.3495% | 3,344 |
| Noninterest expense to average assets | 2.6184% | 1,827 |
| Loan and lease loss provision to assets | 0.0206% | 2,656 |
| Net operating income to assets | 0.3494% | 4,349 |
| Return on assets (ROA) | 0.3730% | 4,345 |
| Pretax return on assets | 0.3910% | 4,402 |
| Return on Equity (ROE) | 3.6096% | 4,273 |
| Retained earnings to average equity (ytd only) | 2.0514% | 3,965 |
| Net charge-offs to loans | 0.0282% | 1,673 |
| Credit loss provision to net charge-offs | 192.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 36.1200% | 1,491 |
| Efficiency ratio | 87.1313% | 422 |
| Assets per employee ($millions) | 4.8819% | 3,829 |
| Cash dividends to net income (ytd only)* | 43.1688% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6849% | 1,080 |
| Loan loss allowance to noncurrent loans | 56.8229% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 0.9877% | 571 |
| Noncurrent loans to loans | 2.9652% | 200 |
| Net loans and leases to total assets | 32.7501% | 4,419 |
| Net loans and leases to deposits | 36.4718% | 4,461 |
| Net loans and leases to core deposits | 41.8862% | 4,339 |
| Total domestic deposits to total assets | 89.7957% | 1,065 |
| Equity capital to assets | 9.7970% | 2,853 |
| Core capital (leverage) ratio | 10.1822% | 2,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8735% | 500 |
| Memoranda: | ||
| Average total assets | $233,499,000 | 2,830 |
| Average earning assets | $209,075,000 | 2,880 |
| Average equity | $24,130,400 | 2,908 |
| Average total loans | $88,712,800 | 3,353 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2939% | 3,408 |
| Cost of funding earning assets | 0.3229% | 2,374 |
| Net interest margin | 2.9710% | 3,381 |
| Noninterest income to average assets | 0.3483% | 3,369 |
| Noninterest expense to average assets | 2.6100% | 1,811 |
| Loan and lease loss provision to assets | 0.0277% | 2,440 |
| Net operating income to assets | 0.3384% | 4,457 |
| Return on assets (ROA) | 0.3702% | 4,447 |
| Pretax return on assets | 0.3904% | 4,507 |
| Return on Equity (ROE) | 3.5339% | 4,380 |
| Retained earnings to average equity (ytd only) | 2.4974% | 4,051 |
| Net charge-offs to loans | -0.0118% | 3,743 |
| Credit loss provision to net charge-offs | -600.0000% | 3,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1553% | 391 |
| Assets per employee ($millions) | 4.7629% | 3,917 |
| Cash dividends to net income (ytd only)* | 29.3292% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 1,321 |
| Loan loss allowance to noncurrent loans | 53.5265% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.1086% | 570 |
| Noncurrent loans to loans | 3.0050% | 220 |
| Net loans and leases to total assets | 36.0636% | 4,386 |
| Net loans and leases to deposits | 40.4036% | 4,437 |
| Net loans and leases to core deposits | 46.1982% | 4,313 |
| Total domestic deposits to total assets | 89.2586% | 1,146 |
| Equity capital to assets | 10.2413% | 2,666 |
| Core capital (leverage) ratio | 10.5503% | 2,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3654% | 580 |
| Memoranda: | ||
| Average total assets | $230,850,250 | 2,871 |
| Average earning assets | $205,625,250 | 2,937 |
| Average equity | $24,184,500 | 2,929 |
| Average total loans | $90,563,250 | 3,370 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1684% | 3,732 |
| Cost of funding earning assets | 0.3431% | 2,377 |
| Net interest margin | 2.8253% | 3,734 |
| Noninterest income to average assets | 0.3187% | 3,517 |
| Noninterest expense to average assets | 2.7082% | 1,569 |
| Loan and lease loss provision to assets | 0.0420% | 2,169 |
| Net operating income to assets | 0.1235% | 4,690 |
| Return on assets (ROA) | 0.1699% | 4,676 |
| Pretax return on assets | 0.1313% | 4,711 |
| Return on Equity (ROE) | 1.6089% | 4,637 |
| Retained earnings to average equity (ytd only) | 0.0498% | 4,500 |
| Net charge-offs to loans | -0.0087% | 3,619 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5219% | 228 |
| Assets per employee ($millions) | 4.6072% | 4,008 |
| Cash dividends to net income (ytd only)* | 96.9072% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5896% | 1,299 |
| Loan loss allowance to noncurrent loans | 38.5463% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.6604% | 313 |
| Noncurrent loans to loans | 4.1238% | 128 |
| Net loans and leases to total assets | 37.6259% | 4,403 |
| Net loans and leases to deposits | 42.2964% | 4,451 |
| Net loans and leases to core deposits | 49.0535% | 4,279 |
| Total domestic deposits to total assets | 88.9577% | 1,304 |
| Equity capital to assets | 10.4098% | 2,480 |
| Core capital (leverage) ratio | 10.4394% | 2,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3569% | 585 |
| Memoranda: | ||
| Average total assets | $228,419,333 | 2,888 |
| Average earning assets | $203,449,333 | 2,954 |
| Average equity | $24,116,333 | 2,930 |
| Average total loans | $91,655,333 | 3,377 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1532% | 3,774 |
| Cost of funding earning assets | 0.3677% | 2,375 |
| Net interest margin | 2.7855% | 3,796 |
| Noninterest income to average assets | 0.3447% | 3,371 |
| Noninterest expense to average assets | 2.6819% | 1,663 |
| Loan and lease loss provision to assets | 0.0844% | 1,546 |
| Net operating income to assets | 0.1038% | 4,709 |
| Return on assets (ROA) | 0.1512% | 4,688 |
| Pretax return on assets | 0.1038% | 4,729 |
| Return on Equity (ROE) | 1.4224% | 4,664 |
| Retained earnings to average equity (ytd only) | 1.4224% | 4,136 |
| Net charge-offs to loans | 0.0214% | 1,309 |
| Credit loss provision to net charge-offs | 960.0000% | 427 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,327 |
| Efficiency ratio | 95.0156% | 269 |
| Assets per employee ($millions) | 4.6584% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 1,650 |
| Loan loss allowance to noncurrent loans | 35.6868% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.8444% | 296 |
| Noncurrent loans to loans | 4.1695% | 129 |
| Net loans and leases to total assets | 39.5100% | 4,363 |
| Net loans and leases to deposits | 44.2040% | 4,413 |
| Net loans and leases to core deposits | 51.7474% | 4,208 |
| Total domestic deposits to total assets | 89.3809% | 1,133 |
| Equity capital to assets | 10.1352% | 2,572 |
| Core capital (leverage) ratio | 10.6903% | 1,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3769% | 635 |
| Memoranda: | ||
| Average total assets | $227,449,000 | 2,884 |
| Average earning assets | $202,333,500 | 2,953 |
| Average equity | $24,184,500 | 2,914 |
| Average total loans | $93,445,500 | 3,354 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6997% | 3,577 |
| Cost of funding earning assets | 0.6040% | 2,272 |
| Net interest margin | 3.0958% | 3,637 |
| Noninterest income to average assets | 0.3164% | 3,569 |
| Noninterest expense to average assets | 2.8568% | 1,798 |
| Loan and lease loss provision to assets | 0.4246% | 694 |
| Net operating income to assets | -0.1054% | 4,788 |
| Return on assets (ROA) | -0.0732% | 4,800 |
| Pretax return on assets | -0.1934% | 4,820 |
| Return on Equity (ROE) | -0.6221% | 4,803 |
| Retained earnings to average equity (ytd only) | -2.1508% | 4,715 |
| Net charge-offs to loans | 0.7699% | 189 |
| Credit loss provision to net charge-offs | 120.6803% | 2,628 |
| Earnings coverage of net charge-offs (x) | 0.5415% | 3,318 |
| Efficiency ratio | 93.7480% | 275 |
| Assets per employee ($millions) | 3.7623% | 4,527 |
| Cash dividends to net income (ytd only)* | -245.7516% | 4,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 1,809 |
| Loan loss allowance to noncurrent loans | 31.8300% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 2.0993% | 260 |
| Noncurrent loans to loans | 4.5307% | 110 |
| Net loans and leases to total assets | 41.5025% | 4,379 |
| Net loans and leases to deposits | 47.0681% | 4,427 |
| Net loans and leases to core deposits | 55.5029% | 4,179 |
| Total domestic deposits to total assets | 88.1754% | 1,393 |
| Equity capital to assets | 11.1552% | 2,130 |
| Core capital (leverage) ratio | 11.0652% | 1,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1419% | 570 |
| Memoranda: | ||
| Average total assets | $208,902,800 | 2,869 |
| Average earning assets | $184,283,200 | 2,956 |
| Average equity | $24,596,000 | 2,836 |
| Average total loans | $95,460,800 | 3,308 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8759% | 3,337 |
| Cost of funding earning assets | 0.6619% | 2,256 |
| Net interest margin | 3.2140% | 3,451 |
| Noninterest income to average assets | 0.2953% | 3,716 |
| Noninterest expense to average assets | 2.8906% | 1,728 |
| Loan and lease loss provision to assets | 0.4182% | 808 |
| Net operating income to assets | -0.0818% | 4,805 |
| Return on assets (ROA) | -0.0583% | 4,813 |
| Pretax return on assets | -0.1476% | 4,827 |
| Return on Equity (ROE) | -0.4834% | 4,817 |
| Retained earnings to average equity (ytd only) | -1.4932% | 4,662 |
| Net charge-offs to loans | 0.9935% | 138 |
| Credit loss provision to net charge-offs | 90.3497% | 2,696 |
| Earnings coverage of net charge-offs (x) | 0.5203% | 3,123 |
| Efficiency ratio | 92.3077% | 300 |
| Assets per employee ($millions) | 4.3456% | 4,001 |
| Cash dividends to net income (ytd only)* | -208.8889% | 5,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 2,508 |
| Loan loss allowance to noncurrent loans | 23.2084% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 2.5153% | 216 |
| Noncurrent loans to loans | 5.2947% | 91 |
| Net loans and leases to total assets | 42.5424% | 4,477 |
| Net loans and leases to deposits | 48.6823% | 4,526 |
| Net loans and leases to core deposits | 57.1335% | 4,334 |
| Total domestic deposits to total assets | 87.3878% | 1,501 |
| Equity capital to assets | 11.8369% | 1,775 |
| Core capital (leverage) ratio | 11.4356% | 1,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7163% | 534 |
| Memoranda: | ||
| Average total assets | $205,902,000 | 2,876 |
| Average earning assets | $181,701,750 | 2,960 |
| Average equity | $24,822,250 | 2,803 |
| Average total loans | $95,957,500 | 3,306 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9689% | 3,407 |
| Cost of funding earning assets | 0.7214% | 2,283 |
| Net interest margin | 3.2475% | 3,536 |
| Noninterest income to average assets | 0.3065% | 3,626 |
| Noninterest expense to average assets | 3.0016% | 1,569 |
| Loan and lease loss provision to assets | 0.1877% | 2,147 |
| Net operating income to assets | 0.0291% | 4,754 |
| Return on assets (ROA) | 0.0462% | 4,759 |
| Pretax return on assets | -0.0039% | 4,793 |
| Return on Equity (ROE) | 0.3806% | 4,761 |
| Retained earnings to average equity (ytd only) | -1.1419% | 4,493 |
| Net charge-offs to loans | 0.3019% | 528 |
| Credit loss provision to net charge-offs | 129.2517% | 2,238 |
| Earnings coverage of net charge-offs (x) | 1.1224% | 2,878 |
| Efficiency ratio | 94.8758% | 272 |
| Assets per employee ($millions) | 4.1434% | 4,163 |
| Cash dividends to net income (ytd only)* | 400.0000% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 2,026 |
| Loan loss allowance to noncurrent loans | 37.2072% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 1.7808% | 455 |
| Noncurrent loans to loans | 3.4824% | 228 |
| Net loans and leases to total assets | 44.6658% | 4,422 |
| Net loans and leases to deposits | 51.1129% | 4,481 |
| Net loans and leases to core deposits | 59.8434% | 4,269 |
| Total domestic deposits to total assets | 87.3865% | 1,455 |
| Equity capital to assets | 11.8610% | 1,749 |
| Core capital (leverage) ratio | 11.7477% | 1,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7156% | 523 |
| Memoranda: | ||
| Average total assets | $203,557,333 | 2,874 |
| Average earning assets | $179,092,000 | 2,968 |
| Average equity | $24,694,667 | 2,803 |
| Average total loans | $97,371,667 | 3,278 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0522% | 3,646 |
| Cost of funding earning assets | 0.7872% | 2,462 |
| Net interest margin | 3.2649% | 3,676 |
| Noninterest income to average assets | 0.3245% | 3,580 |
| Noninterest expense to average assets | 3.0389% | 1,786 |
| Loan and lease loss provision to assets | 0.1322% | 2,075 |
| Net operating income to assets | 0.0641% | 4,698 |
| Return on assets (ROA) | 0.0641% | 4,691 |
| Pretax return on assets | 0.0280% | 4,716 |
| Return on Equity (ROE) | 0.5222% | 4,688 |
| Retained earnings to average equity (ytd only) | 0.5222% | 3,868 |
| Net charge-offs to loans | 0.4234% | 346 |
| Credit loss provision to net charge-offs | 63.4615% | 2,006 |
| Earnings coverage of net charge-offs (x) | 0.7692% | 2,442 |
| Efficiency ratio | 94.9906% | 347 |
| Assets per employee ($millions) | 4.0524% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 2,730 |
| Loan loss allowance to noncurrent loans | 32.8413% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 2.3314% | 317 |
| Noncurrent loans to loans | 3.6201% | 248 |
| Net loans and leases to total assets | 47.4588% | 4,366 |
| Net loans and leases to deposits | 54.3730% | 4,426 |
| Net loans and leases to core deposits | 63.8988% | 4,175 |
| Total domestic deposits to total assets | 87.2837% | 1,433 |
| Equity capital to assets | 12.1275% | 1,976 |
| Core capital (leverage) ratio | 12.4062% | 1,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2149% | 549 |
| Memoranda: | ||
| Average total assets | $199,679,000 | 2,872 |
| Average earning assets | $175,807,000 | 2,960 |
| Average equity | $24,510,000 | 2,808 |
| Average total loans | $98,245,500 | 3,245 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 3,295 |
| Cost of funding earning assets | 0.8084% | 2,641 |
| Net interest margin | 3.5756% | 3,214 |
| Noninterest income to average assets | 0.1938% | 4,500 |
| Noninterest expense to average assets | 2.9931% | 2,039 |
| Loan and lease loss provision to assets | 0.1368% | 1,561 |
| Net operating income to assets | 0.1953% | 4,840 |
| Return on assets (ROA) | 0.1958% | 4,863 |
| Pretax return on assets | 0.2074% | 4,881 |
| Return on Equity (ROE) | 1.6001% | 4,844 |
| Retained earnings to average equity (ytd only) | 0.0495% | 4,677 |
| Net charge-offs to loans | 0.5034% | 371 |
| Credit loss provision to net charge-offs | 51.8164% | 3,112 |
| Earnings coverage of net charge-offs (x) | 1.3021% | 3,555 |
| Efficiency ratio | 89.7005% | 364 |
| Assets per employee ($millions) | 4.0987% | 3,774 |
| Cash dividends to net income (ytd only)* | 96.9072% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 2,410 |
| Loan loss allowance to noncurrent loans | 34.1624% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 2.4332% | 271 |
| Noncurrent loans to loans | 3.5272% | 231 |
| Net loans and leases to total assets | 49.8013% | 4,334 |
| Net loans and leases to deposits | 57.2546% | 4,403 |
| Net loans and leases to core deposits | 67.2577% | 4,124 |
| Total domestic deposits to total assets | 86.9820% | 1,617 |
| Equity capital to assets | 12.4263% | 1,867 |
| Core capital (leverage) ratio | 12.5624% | 1,452 |
| Tier 1 risk-based capital ratio | 22.0509% | 1,016 |
| Total risk-based capital ratio | 23.1198% | 1,020 |
| Memoranda: | ||
| Average total assets | $198,153,800 | 2,854 |
| Average earning assets | $174,179,000 | 2,939 |
| Average equity | $24,248,600 | 2,771 |
| Average total loans | $103,901,600 | 3,175 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4194% | 3,290 |
| Cost of funding earning assets | 0.8039% | 2,699 |
| Net interest margin | 3.6155% | 3,213 |
| Noninterest income to average assets | 0.2351% | 4,334 |
| Noninterest expense to average assets | 2.8317% | 2,463 |
| Loan and lease loss provision to assets | 0.1128% | 1,735 |
| Net operating income to assets | 0.4223% | 4,681 |
| Return on assets (ROA) | 0.2304% | 4,941 |
| Pretax return on assets | 0.2546% | 4,945 |
| Return on Equity (ROE) | 1.8898% | 4,907 |
| Retained earnings to average equity (ytd only) | 0.8540% | 4,603 |
| Net charge-offs to loans | 0.2563% | 690 |
| Credit loss provision to net charge-offs | 83.1683% | 2,464 |
| Earnings coverage of net charge-offs (x) | 4.2623% | 3,028 |
| Efficiency ratio | 83.0412% | 686 |
| Assets per employee ($millions) | 4.0445% | 3,843 |
| Cash dividends to net income (ytd only)* | 54.8106% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 1,660 |
| Loan loss allowance to noncurrent loans | 46.6645% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 2.2338% | 350 |
| Noncurrent loans to loans | 2.9509% | 344 |
| Net loans and leases to total assets | 51.0637% | 4,367 |
| Net loans and leases to deposits | 58.7656% | 4,442 |
| Net loans and leases to core deposits | 69.5760% | 4,073 |
| Total domestic deposits to total assets | 86.8939% | 1,575 |
| Equity capital to assets | 12.4492% | 1,953 |
| Core capital (leverage) ratio | 12.5101% | 1,564 |
| Tier 1 risk-based capital ratio | 21.7459% | 1,106 |
| Total risk-based capital ratio | 22.9851% | 1,078 |
| Memoranda: | ||
| Average total assets | $198,508,250 | 2,877 |
| Average earning assets | $174,318,750 | 2,965 |
| Average equity | $24,199,000 | 2,788 |
| Average total loans | $105,084,000 | 3,192 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4732% | 3,093 |
| Cost of funding earning assets | 0.7778% | 2,757 |
| Net interest margin | 3.6953% | 2,945 |
| Noninterest income to average assets | 0.2447% | 4,283 |
| Noninterest expense to average assets | 2.8135% | 2,538 |
| Loan and lease loss provision to assets | 0.1128% | 1,667 |
| Net operating income to assets | 0.4773% | 4,577 |
| Return on assets (ROA) | 0.3232% | 4,857 |
| Pretax return on assets | 0.3806% | 4,850 |
| Return on Equity (ROE) | 2.6704% | 4,844 |
| Retained earnings to average equity (ytd only) | 1.1064% | 4,409 |
| Net charge-offs to loans | 0.3456% | 487 |
| Credit loss provision to net charge-offs | 61.2022% | 2,394 |
| Earnings coverage of net charge-offs (x) | 3.6612% | 2,811 |
| Efficiency ratio | 80.6582% | 911 |
| Assets per employee ($millions) | 3.9701% | 3,905 |
| Cash dividends to net income (ytd only)* | 58.5670% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 1,821 |
| Loan loss allowance to noncurrent loans | 38.9250% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 2.4967% | 299 |
| Noncurrent loans to loans | 3.4621% | 243 |
| Net loans and leases to total assets | 50.7438% | 4,429 |
| Net loans and leases to deposits | 58.3186% | 4,504 |
| Net loans and leases to core deposits | 69.7671% | 4,119 |
| Total domestic deposits to total assets | 87.0114% | 1,593 |
| Equity capital to assets | 12.3448% | 1,943 |
| Core capital (leverage) ratio | 12.4229% | 1,576 |
| Tier 1 risk-based capital ratio | 21.8463% | 1,072 |
| Total risk-based capital ratio | 23.0596% | 1,052 |
| Memoranda: | ||
| Average total assets | $198,617,000 | 2,883 |
| Average earning assets | $174,327,330 | 2,983 |
| Average equity | $24,041,330 | 2,796 |
| Average total loans | $105,908,000 | 3,195 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6148% | 2,486 |
| Cost of funding earning assets | 0.7170% | 2,962 |
| Net interest margin | 3.8978% | 2,196 |
| Noninterest income to average assets | 0.2114% | 4,477 |
| Noninterest expense to average assets | 2.8529% | 2,403 |
| Loan and lease loss provision to assets | 0.1127% | 1,579 |
| Net operating income to assets | 0.5360% | 4,422 |
| Return on assets (ROA) | 0.4691% | 4,624 |
| Pretax return on assets | 0.5778% | 4,555 |
| Return on Equity (ROE) | 3.9144% | 4,592 |
| Retained earnings to average equity (ytd only) | 3.9144% | 3,341 |
| Net charge-offs to loans | 0.0928% | 1,201 |
| Credit loss provision to net charge-offs | 224.0000% | 981 |
| Earnings coverage of net charge-offs (x) | 15.3600% | 1,742 |
| Efficiency ratio | 78.6785% | 1,198 |
| Assets per employee ($millions) | 4.0275% | 3,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 1,735 |
| Loan loss allowance to noncurrent loans | 40.7663% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 2.5321% | 305 |
| Noncurrent loans to loans | 3.3984% | 277 |
| Net loans and leases to total assets | 52.2791% | 4,317 |
| Net loans and leases to deposits | 59.7663% | 4,423 |
| Net loans and leases to core deposits | 70.2702% | 4,072 |
| Total domestic deposits to total assets | 87.4725% | 1,578 |
| Equity capital to assets | 11.9862% | 2,029 |
| Core capital (leverage) ratio | 12.6695% | 1,422 |
| Tier 1 risk-based capital ratio | 21.1762% | 1,142 |
| Total risk-based capital ratio | 22.4260% | 1,123 |
| Memoranda: | ||
| Average total assets | $198,673,000 | 2,914 |
| Average earning assets | $174,048,000 | 3,012 |
| Average equity | $23,809,500 | 2,824 |
| Average total loans | $107,809,500 | 3,199 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8132% | 1,515 |
| Cost of funding earning assets | 0.5950% | 2,761 |
| Net interest margin | 4.2183% | 1,355 |
| Noninterest income to average assets | 0.3719% | 3,605 |
| Noninterest expense to average assets | 2.9082% | 2,319 |
| Loan and lease loss provision to assets | 0.3523% | 434 |
| Net operating income to assets | 0.6519% | 4,279 |
| Return on assets (ROA) | 0.5414% | 4,563 |
| Pretax return on assets | 0.6761% | 4,475 |
| Return on Equity (ROE) | 4.7838% | 4,511 |
| Retained earnings to average equity (ytd only) | 3.1560% | 3,816 |
| Net charge-offs to loans | 0.4753% | 385 |
| Credit loss provision to net charge-offs | 132.9020% | 1,999 |
| Earnings coverage of net charge-offs (x) | 4.4011% | 3,302 |
| Efficiency ratio | 71.3719% | 1,987 |
| Assets per employee ($millions) | 3.9195% | 4,013 |
| Cash dividends to net income (ytd only)* | 34.0271% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3292% | 1,908 |
| Loan loss allowance to noncurrent loans | 46.1858% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 2.3906% | 332 |
| Noncurrent loans to loans | 2.8779% | 370 |
| Net loans and leases to total assets | 54.8121% | 4,222 |
| Net loans and leases to deposits | 62.7124% | 4,328 |
| Net loans and leases to core deposits | 72.3639% | 3,968 |
| Total domestic deposits to total assets | 87.4023% | 1,583 |
| Equity capital to assets | 11.9823% | 1,908 |
| Core capital (leverage) ratio | 11.9646% | 1,758 |
| Tier 1 risk-based capital ratio | 20.1244% | 1,281 |
| Total risk-based capital ratio | 21.3842% | 1,261 |
| Memoranda: | ||
| Average total assets | $204,111,400 | 2,818 |
| Average earning assets | $179,173,000 | 2,927 |
| Average equity | $23,098,600 | 2,806 |
| Average total loans | $113,830,400 | 3,083 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7860% | 1,465 |
| Cost of funding earning assets | 0.5783% | 2,641 |
| Net interest margin | 4.2077% | 1,341 |
| Noninterest income to average assets | 0.3751% | 3,631 |
| Noninterest expense to average assets | 2.8536% | 2,448 |
| Loan and lease loss provision to assets | 0.4262% | 293 |
| Net operating income to assets | 0.6225% | 4,441 |
| Return on assets (ROA) | 0.5142% | 4,728 |
| Pretax return on assets | 0.6526% | 4,634 |
| Return on Equity (ROE) | 4.6080% | 4,671 |
| Retained earnings to average equity (ytd only) | 3.5183% | 4,015 |
| Net charge-offs to loans | 0.5701% | 262 |
| Credit loss provision to net charge-offs | 133.9431% | 1,855 |
| Earnings coverage of net charge-offs (x) | 3.8212% | 3,121 |
| Efficiency ratio | 70.1208% | 2,172 |
| Assets per employee ($millions) | 4.0132% | 3,865 |
| Cash dividends to net income (ytd only)* | 23.6478% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 2,113 |
| Loan loss allowance to noncurrent loans | 45.1887% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 2.3388% | 396 |
| Noncurrent loans to loans | 2.8671% | 400 |
| Net loans and leases to total assets | 54.5575% | 4,322 |
| Net loans and leases to deposits | 62.0332% | 4,438 |
| Net loans and leases to core deposits | 72.1507% | 4,074 |
| Total domestic deposits to total assets | 87.9488% | 1,256 |
| Equity capital to assets | 11.4298% | 2,313 |
| Core capital (leverage) ratio | 11.7642% | 1,947 |
| Tier 1 risk-based capital ratio | 19.4589% | 1,443 |
| Total risk-based capital ratio | 20.6478% | 1,424 |
| Memoranda: | ||
| Average total assets | $206,146,000 | 2,828 |
| Average earning assets | $180,995,750 | 2,936 |
| Average equity | $23,002,750 | 2,827 |
| Average total loans | $115,072,000 | 3,080 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7837% | 1,295 |
| Cost of funding earning assets | 0.5721% | 2,416 |
| Net interest margin | 4.2116% | 1,257 |
| Noninterest income to average assets | 0.3895% | 3,556 |
| Noninterest expense to average assets | 2.7436% | 2,865 |
| Loan and lease loss provision to assets | 0.3202% | 427 |
| Net operating income to assets | 0.8077% | 3,834 |
| Return on assets (ROA) | 0.7097% | 4,171 |
| Pretax return on assets | 0.9040% | 3,951 |
| Return on Equity (ROE) | 6.4103% | 4,094 |
| Retained earnings to average equity (ytd only) | 4.7773% | 3,197 |
| Net charge-offs to loans | 0.3778% | 418 |
| Credit loss provision to net charge-offs | 151.3636% | 1,570 |
| Earnings coverage of net charge-offs (x) | 6.3727% | 2,638 |
| Efficiency ratio | 67.0505% | 2,815 |
| Assets per employee ($millions) | 4.0809% | 3,760 |
| Cash dividends to net income (ytd only)* | 25.4743% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 2,770 |
| Loan loss allowance to noncurrent loans | 60.9616% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.8707% | 598 |
| Noncurrent loans to loans | 1.9578% | 775 |
| Net loans and leases to total assets | 56.0710% | 4,160 |
| Net loans and leases to deposits | 63.6442% | 4,300 |
| Net loans and leases to core deposits | 74.5177% | 3,847 |
| Total domestic deposits to total assets | 88.1007% | 1,324 |
| Equity capital to assets | 11.3029% | 2,358 |
| Core capital (leverage) ratio | 11.9074% | 1,771 |
| Tier 1 risk-based capital ratio | 18.7554% | 1,612 |
| Total risk-based capital ratio | 19.8149% | 1,622 |
| Memoranda: | ||
| Average total assets | $207,974,670 | 2,832 |
| Average earning assets | $182,828,670 | 2,931 |
| Average equity | $23,025,330 | 2,845 |
| Average total loans | $116,458,670 | 3,079 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7271% | 1,243 |
| Cost of funding earning assets | 0.5640% | 2,286 |
| Net interest margin | 4.1631% | 1,267 |
| Noninterest income to average assets | 0.3239% | 3,985 |
| Noninterest expense to average assets | 2.9018% | 2,364 |
| Loan and lease loss provision to assets | 0.3715% | 318 |
| Net operating income to assets | 0.5716% | 4,509 |
| Return on assets (ROA) | 0.4820% | 4,740 |
| Pretax return on assets | 0.5964% | 4,693 |
| Return on Equity (ROE) | 4.3988% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.3988% | 3,432 |
| Net charge-offs to loans | 0.4315% | 361 |
| Credit loss provision to net charge-offs | 154.7619% | 1,213 |
| Earnings coverage of net charge-offs (x) | 4.4921% | 2,301 |
| Efficiency ratio | 72.9057% | 2,054 |
| Assets per employee ($millions) | 4.2055% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 3,162 |
| Loan loss allowance to noncurrent loans | 61.6022% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.7582% | 704 |
| Noncurrent loans to loans | 1.8455% | 895 |
| Net loans and leases to total assets | 55.3328% | 4,178 |
| Net loans and leases to deposits | 62.4992% | 4,302 |
| Net loans and leases to core deposits | 73.6021% | 3,852 |
| Total domestic deposits to total assets | 88.5336% | 1,337 |
| Equity capital to assets | 10.9209% | 2,659 |
| Core capital (leverage) ratio | 11.6299% | 1,909 |
| Tier 1 risk-based capital ratio | 18.8840% | 1,575 |
| Total risk-based capital ratio | 19.9295% | 1,599 |
| Memoranda: | ||
| Average total assets | $209,939,500 | 2,849 |
| Average earning assets | $184,383,500 | 2,947 |
| Average equity | $23,006,500 | 2,864 |
| Average total loans | $116,792,000 | 3,105 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6534% | 1,300 |
| Cost of funding earning assets | 0.5932% | 1,647 |
| Net interest margin | 4.0601% | 1,562 |
| Noninterest income to average assets | 0.0602% | 5,510 |
| Noninterest expense to average assets | 2.8709% | 2,547 |
| Loan and lease loss provision to assets | 0.1843% | 1,156 |
| Net operating income to assets | 0.4256% | 4,605 |
| Return on assets (ROA) | 0.3582% | 4,830 |
| Pretax return on assets | 0.4705% | 4,973 |
| Return on Equity (ROE) | 3.2658% | 4,757 |
| Retained earnings to average equity (ytd only) | 1.6415% | 4,320 |
| Net charge-offs to loans | 0.6609% | 329 |
| Credit loss provision to net charge-offs | 52.0053% | 3,306 |
| Earnings coverage of net charge-offs (x) | 2.0976% | 3,800 |
| Efficiency ratio | 79.4310% | 1,168 |
| Assets per employee ($millions) | 4.1921% | 3,669 |
| Cash dividends to net income (ytd only)* | 49.7354% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0958% | 3,379 |
| Loan loss allowance to noncurrent loans | 54.3664% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.9437% | 592 |
| Noncurrent loans to loans | 2.0156% | 756 |
| Net loans and leases to total assets | 54.6865% | 4,299 |
| Net loans and leases to deposits | 61.8491% | 4,464 |
| Net loans and leases to core deposits | 71.9685% | 4,045 |
| Total domestic deposits to total assets | 88.4191% | 1,289 |
| Equity capital to assets | 10.9965% | 2,626 |
| Core capital (leverage) ratio | 11.4413% | 1,980 |
| Tier 1 risk-based capital ratio | 18.9219% | 1,516 |
| Total risk-based capital ratio | 19.9269% | 1,550 |
| Memoranda: | ||
| Average total assets | $211,049,000 | 2,809 |
| Average earning assets | $184,748,400 | 2,915 |
| Average equity | $23,149,200 | 2,845 |
| Average total loans | $113,174,400 | 3,138 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6254% | 1,304 |
| Cost of funding earning assets | 0.5929% | 1,579 |
| Net interest margin | 4.0326% | 1,595 |
| Noninterest income to average assets | 0.2321% | 4,825 |
| Noninterest expense to average assets | 2.8714% | 2,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6517% | 4,184 |
| Return on assets (ROA) | 0.5979% | 4,438 |
| Pretax return on assets | 0.8173% | 4,306 |
| Return on Equity (ROE) | 5.4542% | 4,345 |
| Retained earnings to average equity (ytd only) | 4.3726% | 3,298 |
| Net charge-offs to loans | 0.6068% | 325 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 2.7598% | 3,425 |
| Efficiency ratio | 76.3158% | 1,540 |
| Assets per employee ($millions) | 4.1944% | 3,660 |
| Cash dividends to net income (ytd only)* | 19.8312% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 4,227 |
| Loan loss allowance to noncurrent loans | 45.6140% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 2.9444% | 307 |
| Noncurrent loans to loans | 2.1306% | 771 |
| Net loans and leases to total assets | 54.3213% | 4,387 |
| Net loans and leases to deposits | 61.7932% | 4,525 |
| Net loans and leases to core deposits | 72.1999% | 4,115 |
| Total domestic deposits to total assets | 87.9081% | 1,415 |
| Equity capital to assets | 11.3280% | 2,549 |
| Core capital (leverage) ratio | 11.6034% | 1,948 |
| Tier 1 risk-based capital ratio | 18.8848% | 1,626 |
| Total risk-based capital ratio | 19.7540% | 1,683 |
| Memoranda: | ||
| Average total assets | $211,410,250 | 2,827 |
| Average earning assets | $185,087,500 | 2,939 |
| Average equity | $23,174,250 | 2,862 |
| Average total loans | $112,494,250 | 3,180 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 1,347 |
| Cost of funding earning assets | 0.5891% | 1,519 |
| Net interest margin | 3.9737% | 1,700 |
| Noninterest income to average assets | 0.3680% | 3,920 |
| Noninterest expense to average assets | 2.8975% | 2,432 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6876% | 3,900 |
| Return on assets (ROA) | 0.6312% | 4,207 |
| Pretax return on assets | 0.8737% | 4,019 |
| Return on Equity (ROE) | 5.8225% | 4,125 |
| Retained earnings to average equity (ytd only) | 4.1862% | 3,220 |
| Net charge-offs to loans | 0.4729% | 422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.8220% | 3,001 |
| Efficiency ratio | 75.2696% | 1,824 |
| Assets per employee ($millions) | 4.1981% | 3,627 |
| Cash dividends to net income (ytd only)* | 28.1016% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 3,091 |
| Loan loss allowance to noncurrent loans | 59.8074% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 3.0600% | 295 |
| Noncurrent loans to loans | 1.9877% | 846 |
| Net loans and leases to total assets | 54.0921% | 4,380 |
| Net loans and leases to deposits | 61.3612% | 4,539 |
| Net loans and leases to core deposits | 71.3699% | 4,135 |
| Total domestic deposits to total assets | 88.1536% | 1,380 |
| Equity capital to assets | 11.1532% | 2,652 |
| Core capital (leverage) ratio | 11.2923% | 2,134 |
| Tier 1 risk-based capital ratio | 18.6811% | 1,674 |
| Total risk-based capital ratio | 19.7439% | 1,679 |
| Memoranda: | ||
| Average total assets | $211,974,000 | 2,838 |
| Average earning assets | $185,720,670 | 2,950 |
| Average equity | $22,980,000 | 2,881 |
| Average total loans | $111,645,670 | 3,198 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3703% | 1,749 |
| Cost of funding earning assets | 0.5827% | 1,497 |
| Net interest margin | 3.7876% | 2,157 |
| Noninterest income to average assets | 0.3737% | 3,853 |
| Noninterest expense to average assets | 3.0233% | 2,098 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5153% | 4,537 |
| Return on assets (ROA) | 0.4676% | 4,739 |
| Pretax return on assets | 0.6084% | 4,710 |
| Return on Equity (ROE) | 4.3752% | 4,639 |
| Retained earnings to average equity (ytd only) | 4.3752% | 3,237 |
| Net charge-offs to loans | 0.9090% | 184 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.4280% | 2,734 |
| Efficiency ratio | 81.8505% | 1,178 |
| Assets per employee ($millions) | 4.3093% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,786 |
| Loan loss allowance to noncurrent loans | 59.1435% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 2.7577% | 388 |
| Noncurrent loans to loans | 2.1226% | 820 |
| Net loans and leases to total assets | 50.4133% | 4,644 |
| Net loans and leases to deposits | 56.9251% | 4,762 |
| Net loans and leases to core deposits | 66.8859% | 4,370 |
| Total domestic deposits to total assets | 88.5607% | 1,392 |
| Equity capital to assets | 10.6596% | 3,000 |
| Core capital (leverage) ratio | 10.4792% | 2,931 |
| Tier 1 risk-based capital ratio | 17.4456% | 2,048 |
| Total risk-based capital ratio | 18.5329% | 2,047 |
| Memoranda: | ||
| Average total assets | $213,009,500 | 2,850 |
| Average earning assets | $186,714,000 | 2,976 |
| Average equity | $22,764,500 | 2,919 |
| Average total loans | $110,015,000 | 3,249 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4379% | 1,718 |
| Cost of funding earning assets | 0.5942% | 1,382 |
| Net interest margin | 3.8436% | 2,160 |
| Noninterest income to average assets | 0.3146% | 4,483 |
| Noninterest expense to average assets | 2.8707% | 2,781 |
| Loan and lease loss provision to assets | 0.0352% | 3,661 |
| Net operating income to assets | 0.5778% | 4,310 |
| Return on assets (ROA) | 0.5250% | 4,619 |
| Pretax return on assets | 0.7171% | 4,435 |
| Return on Equity (ROE) | 4.8181% | 4,506 |
| Retained earnings to average equity (ytd only) | 3.1977% | 3,632 |
| Net charge-offs to loans | 0.2129% | 1,307 |
| Credit loss provision to net charge-offs | 30.3644% | 3,587 |
| Earnings coverage of net charge-offs (x) | 7.1093% | 3,071 |
| Efficiency ratio | 77.6846% | 1,739 |
| Assets per employee ($millions) | 4.2110% | 3,606 |
| Cash dividends to net income (ytd only)* | 33.6315% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 1,741 |
| Loan loss allowance to noncurrent loans | 54.5303% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 3.0995% | 313 |
| Noncurrent loans to loans | 2.7185% | 550 |
| Net loans and leases to total assets | 51.4809% | 4,653 |
| Net loans and leases to deposits | 58.1597% | 4,775 |
| Net loans and leases to core deposits | 68.0790% | 4,394 |
| Total domestic deposits to total assets | 88.5164% | 1,370 |
| Equity capital to assets | 10.7152% | 2,904 |
| Core capital (leverage) ratio | 11.1410% | 2,218 |
| Tier 1 risk-based capital ratio | 18.5784% | 1,708 |
| Total risk-based capital ratio | 19.8290% | 1,673 |
| Memoranda: | ||
| Average total assets | $212,941,400 | 2,827 |
| Average earning assets | $187,296,800 | 2,928 |
| Average equity | $23,204,400 | 2,872 |
| Average total loans | $116,023,200 | 3,128 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 1,694 |
| Cost of funding earning assets | 0.5941% | 1,380 |
| Net interest margin | 3.8569% | 2,133 |
| Noninterest income to average assets | 0.3022% | 4,606 |
| Noninterest expense to average assets | 2.8772% | 2,711 |
| Loan and lease loss provision to assets | 0.0468% | 3,311 |
| Net operating income to assets | 0.5797% | 4,370 |
| Return on assets (ROA) | 0.5282% | 4,683 |
| Pretax return on assets | 0.7062% | 4,594 |
| Return on Equity (ROE) | 4.8276% | 4,588 |
| Retained earnings to average equity (ytd only) | 3.7548% | 3,633 |
| Net charge-offs to loans | 0.2269% | 1,034 |
| Credit loss provision to net charge-offs | 37.5000% | 3,172 |
| Earnings coverage of net charge-offs (x) | 6.5800% | 2,988 |
| Efficiency ratio | 77.7853% | 1,716 |
| Assets per employee ($millions) | 4.2217% | 3,556 |
| Cash dividends to net income (ytd only)* | 22.2222% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 1,767 |
| Loan loss allowance to noncurrent loans | 45.0349% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 3.5047% | 284 |
| Noncurrent loans to loans | 3.3304% | 411 |
| Net loans and leases to total assets | 52.2064% | 4,642 |
| Net loans and leases to deposits | 59.3560% | 4,801 |
| Net loans and leases to core deposits | 68.6243% | 4,421 |
| Total domestic deposits to total assets | 87.9547% | 1,423 |
| Equity capital to assets | 11.2963% | 2,708 |
| Core capital (leverage) ratio | 11.0934% | 2,361 |
| Tier 1 risk-based capital ratio | 18.5279% | 1,782 |
| Total risk-based capital ratio | 19.7787% | 1,745 |
| Memoranda: | ||
| Average total assets | $213,538,750 | 2,833 |
| Average earning assets | $188,058,000 | 2,930 |
| Average equity | $23,365,250 | 2,874 |
| Average total loans | $117,522,750 | 3,109 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4918% | 1,537 |
| Cost of funding earning assets | 0.5921% | 1,382 |
| Net interest margin | 3.8997% | 1,979 |
| Noninterest income to average assets | 0.2734% | 4,826 |
| Noninterest expense to average assets | 2.8420% | 2,865 |
| Loan and lease loss provision to assets | 0.0700% | 2,741 |
| Net operating income to assets | 0.5895% | 4,320 |
| Return on assets (ROA) | 0.5309% | 4,676 |
| Pretax return on assets | 0.7287% | 4,538 |
| Return on Equity (ROE) | 4.9040% | 4,558 |
| Retained earnings to average equity (ytd only) | 3.2837% | 3,808 |
| Net charge-offs to loans | 0.1759% | 1,287 |
| Credit loss provision to net charge-offs | 71.4286% | 2,459 |
| Earnings coverage of net charge-offs (x) | 8.9714% | 2,463 |
| Efficiency ratio | 76.3791% | 2,029 |
| Assets per employee ($millions) | 4.2597% | 3,449 |
| Cash dividends to net income (ytd only)* | 33.0404% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 1,791 |
| Loan loss allowance to noncurrent loans | 59.6167% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 2.0494% | 791 |
| Noncurrent loans to loans | 2.5472% | 678 |
| Net loans and leases to total assets | 53.9867% | 4,512 |
| Net loans and leases to deposits | 61.2703% | 4,714 |
| Net loans and leases to core deposits | 71.0241% | 4,247 |
| Total domestic deposits to total assets | 88.1123% | 1,375 |
| Equity capital to assets | 11.1464% | 2,900 |
| Core capital (leverage) ratio | 10.7668% | 2,681 |
| Tier 1 risk-based capital ratio | 17.7082% | 2,013 |
| Total risk-based capital ratio | 18.9594% | 1,971 |
| Memoranda: | ||
| Average total assets | $214,356,000 | 2,838 |
| Average earning assets | $189,499,330 | 2,934 |
| Average equity | $23,205,330 | 2,897 |
| Average total loans | $119,404,000 | 3,087 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4650% | 1,611 |
| Cost of funding earning assets | 0.5938% | 1,373 |
| Net interest margin | 3.8712% | 2,030 |
| Noninterest income to average assets | 0.2753% | 4,757 |
| Noninterest expense to average assets | 2.9241% | 2,621 |
| Loan and lease loss provision to assets | 0.1395% | 1,507 |
| Net operating income to assets | 0.5593% | 4,372 |
| Return on assets (ROA) | 0.4929% | 4,758 |
| Pretax return on assets | 0.5673% | 4,909 |
| Return on Equity (ROE) | 4.6212% | 4,652 |
| Retained earnings to average equity (ytd only) | 4.6212% | 3,165 |
| Net charge-offs to loans | 0.0563% | 1,955 |
| Credit loss provision to net charge-offs | 441.1765% | 659 |
| Earnings coverage of net charge-offs (x) | 24.7647% | 1,316 |
| Efficiency ratio | 78.8761% | 1,769 |
| Assets per employee ($millions) | 4.4130% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 1,784 |
| Loan loss allowance to noncurrent loans | 63.0634% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 2.0542% | 835 |
| Noncurrent loans to loans | 2.4607% | 774 |
| Net loans and leases to total assets | 54.5986% | 4,393 |
| Net loans and leases to deposits | 61.6540% | 4,602 |
| Net loans and leases to core deposits | 70.8049% | 4,175 |
| Total domestic deposits to total assets | 88.5566% | 1,328 |
| Equity capital to assets | 10.7613% | 3,195 |
| Core capital (leverage) ratio | 10.7597% | 2,664 |
| Tier 1 risk-based capital ratio | 17.1438% | 2,234 |
| Total risk-based capital ratio | 18.3954% | 2,201 |
| Memoranda: | ||
| Average total assets | $215,042,000 | 2,835 |
| Average earning assets | $190,638,000 | 2,923 |
| Average equity | $22,938,000 | 2,934 |
| Average total loans | $120,728,000 | 3,074 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7095% | 1,084 |
| Cost of funding earning assets | 0.6219% | 1,220 |
| Net interest margin | 4.0876% | 1,443 |
| Noninterest income to average assets | 0.2553% | 5,066 |
| Noninterest expense to average assets | 2.8041% | 3,209 |
| Loan and lease loss provision to assets | 0.2433% | 784 |
| Net operating income to assets | 0.5685% | 4,427 |
| Return on assets (ROA) | 0.5524% | 4,583 |
| Pretax return on assets | 0.7827% | 4,251 |
| Return on Equity (ROE) | 5.3548% | 4,345 |
| Retained earnings to average equity (ytd only) | 4.5102% | 2,774 |
| Net charge-offs to loans | 0.7627% | 301 |
| Credit loss provision to net charge-offs | 57.0033% | 3,294 |
| Earnings coverage of net charge-offs (x) | 2.4571% | 3,906 |
| Efficiency ratio | 72.7809% | 2,776 |
| Assets per employee ($millions) | 4.3642% | 3,281 |
| Cash dividends to net income (ytd only)* | 15.7718% | 3,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 2,091 |
| Loan loss allowance to noncurrent loans | 69.7755% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 2.0164% | 869 |
| Noncurrent loans to loans | 2.1262% | 957 |
| Net loans and leases to total assets | 55.9884% | 4,299 |
| Net loans and leases to deposits | 63.0767% | 4,533 |
| Net loans and leases to core deposits | 72.8380% | 4,055 |
| Total domestic deposits to total assets | 88.7625% | 1,249 |
| Equity capital to assets | 10.5712% | 3,283 |
| Core capital (leverage) ratio | 10.6051% | 2,818 |
| Tier 1 risk-based capital ratio | 16.8254% | 2,351 |
| Total risk-based capital ratio | 18.0761% | 2,300 |
| Memoranda: | ||
| Average total assets | $215,787,800 | 2,780 |
| Average earning assets | $189,914,400 | 2,892 |
| Average equity | $22,260,600 | 2,943 |
| Average total loans | $120,748,800 | 3,039 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7459% | 1,021 |
| Cost of funding earning assets | 0.6238% | 1,251 |
| Net interest margin | 4.1220% | 1,350 |
| Noninterest income to average assets | 0.2953% | 4,827 |
| Noninterest expense to average assets | 2.7915% | 3,224 |
| Loan and lease loss provision to assets | 0.3237% | 431 |
| Net operating income to assets | 0.5783% | 4,487 |
| Return on assets (ROA) | 0.5388% | 4,735 |
| Pretax return on assets | 0.7466% | 4,511 |
| Return on Equity (ROE) | 5.2552% | 4,512 |
| Retained earnings to average equity (ytd only) | 5.2552% | 2,749 |
| Net charge-offs to loans | 0.6459% | 345 |
| Credit loss provision to net charge-offs | 89.8973% | 2,475 |
| Earnings coverage of net charge-offs (x) | 3.1250% | 3,552 |
| Efficiency ratio | 71.2734% | 2,998 |
| Assets per employee ($millions) | 4.2847% | 3,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7469% | 1,366 |
| Loan loss allowance to noncurrent loans | 58.7106% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 2.6280% | 631 |
| Noncurrent loans to loans | 2.9755% | 596 |
| Net loans and leases to total assets | 56.1816% | 4,331 |
| Net loans and leases to deposits | 63.3470% | 4,613 |
| Net loans and leases to core deposits | 72.0486% | 4,188 |
| Total domestic deposits to total assets | 88.6885% | 1,184 |
| Equity capital to assets | 10.6225% | 3,446 |
| Core capital (leverage) ratio | 10.6268% | 2,898 |
| Tier 1 risk-based capital ratio | 16.5715% | 2,538 |
| Total risk-based capital ratio | 17.8250% | 2,494 |
| Memoranda: | ||
| Average total assets | $216,273,250 | 2,799 |
| Average earning assets | $189,999,250 | 2,915 |
| Average equity | $22,174,250 | 2,969 |
| Average total loans | $120,553,000 | 3,065 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6915% | 1,083 |
| Cost of funding earning assets | 0.6240% | 1,266 |
| Net interest margin | 4.0675% | 1,453 |
| Noninterest income to average assets | 0.2996% | 4,813 |
| Noninterest expense to average assets | 2.7840% | 3,300 |
| Loan and lease loss provision to assets | 0.3227% | 437 |
| Net operating income to assets | 0.5359% | 4,629 |
| Return on assets (ROA) | 0.4914% | 4,911 |
| Pretax return on assets | 0.6988% | 4,655 |
| Return on Equity (ROE) | 4.8499% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.8499% | 2,956 |
| Net charge-offs to loans | 0.6855% | 331 |
| Credit loss provision to net charge-offs | 85.1582% | 2,272 |
| Earnings coverage of net charge-offs (x) | 2.8637% | 3,279 |
| Efficiency ratio | 71.9562% | 3,003 |
| Assets per employee ($millions) | 4.2698% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7615% | 1,462 |
| Loan loss allowance to noncurrent loans | 63.4987% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 2.5495% | 729 |
| Noncurrent loans to loans | 2.7741% | 758 |
| Net loans and leases to total assets | 55.8502% | 4,354 |
| Net loans and leases to deposits | 62.7386% | 4,640 |
| Net loans and leases to core deposits | 71.3186% | 4,194 |
| Total domestic deposits to total assets | 89.0205% | 1,126 |
| Equity capital to assets | 10.3036% | 3,686 |
| Core capital (leverage) ratio | 10.2774% | 3,243 |
| Tier 1 risk-based capital ratio | 16.8686% | 2,455 |
| Total risk-based capital ratio | 18.1225% | 2,409 |
| Memoranda: | ||
| Average total assets | $216,953,000 | 2,814 |
| Average earning assets | $190,386,330 | 2,931 |
| Average equity | $21,980,000 | 2,997 |
| Average total loans | $119,904,000 | 3,082 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6294% | 1,165 |
| Cost of funding earning assets | 0.6184% | 1,314 |
| Net interest margin | 4.0110% | 1,515 |
| Noninterest income to average assets | 0.2963% | 4,800 |
| Noninterest expense to average assets | 2.9668% | 2,683 |
| Loan and lease loss provision to assets | 0.3658% | 340 |
| Net operating income to assets | 0.3702% | 5,187 |
| Return on assets (ROA) | 0.3274% | 5,425 |
| Pretax return on assets | 0.4207% | 5,389 |
| Return on Equity (ROE) | 3.2588% | 5,276 |
| Retained earnings to average equity (ytd only) | 3.2588% | 4,031 |
| Net charge-offs to loans | 0.5773% | 428 |
| Credit loss provision to net charge-offs | 116.2791% | 1,474 |
| Earnings coverage of net charge-offs (x) | 2.6744% | 2,719 |
| Efficiency ratio | 77.9059% | 2,197 |
| Assets per employee ($millions) | 4.5667% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8848% | 1,314 |
| Loan loss allowance to noncurrent loans | 40.7428% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 4.4827% | 302 |
| Noncurrent loans to loans | 4.6261% | 326 |
| Net loans and leases to total assets | 52.8869% | 4,562 |
| Net loans and leases to deposits | 59.2770% | 4,801 |
| Net loans and leases to core deposits | 67.9380% | 4,328 |
| Total domestic deposits to total assets | 89.2199% | 1,131 |
| Equity capital to assets | 10.1004% | 4,015 |
| Core capital (leverage) ratio | 10.0397% | 3,549 |
| Tier 1 risk-based capital ratio | 16.4422% | 2,713 |
| Total risk-based capital ratio | 17.6969% | 2,650 |
| Memoranda: | ||
| Average total assets | $218,685,000 | 2,814 |
| Average earning assets | $191,471,500 | 2,931 |
| Average equity | $21,971,500 | 3,026 |
| Average total loans | $119,170,000 | 3,106 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9059% | 915 |
| Cost of funding earning assets | 0.6846% | 1,182 |
| Net interest margin | 4.2213% | 1,242 |
| Noninterest income to average assets | 0.3334% | 4,723 |
| Noninterest expense to average assets | 2.6041% | 4,200 |
| Loan and lease loss provision to assets | 0.5189% | 288 |
| Net operating income to assets | 0.6109% | 4,318 |
| Return on assets (ROA) | 0.5717% | 4,583 |
| Pretax return on assets | 0.8091% | 4,224 |
| Return on Equity (ROE) | 6.0122% | 4,144 |
| Retained earnings to average equity (ytd only) | 6.0122% | 1,923 |
| Net charge-offs to loans | 0.8564% | 392 |
| Credit loss provision to net charge-offs | 110.9019% | 2,153 |
| Earnings coverage of net charge-offs (x) | 2.9564% | 4,020 |
| Efficiency ratio | 65.3099% | 4,357 |
| Assets per employee ($millions) | 4.3634% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8297% | 1,470 |
| Loan loss allowance to noncurrent loans | 61.1513% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 2.5645% | 887 |
| Noncurrent loans to loans | 2.9921% | 751 |
| Net loans and leases to total assets | 54.0798% | 4,570 |
| Net loans and leases to deposits | 60.5718% | 4,849 |
| Net loans and leases to core deposits | 69.1684% | 4,389 |
| Total domestic deposits to total assets | 89.2822% | 1,079 |
| Equity capital to assets | 9.9936% | 4,121 |
| Core capital (leverage) ratio | 10.0917% | 3,445 |
| Tier 1 risk-based capital ratio | 16.3689% | 2,776 |
| Total risk-based capital ratio | 17.6237% | 2,717 |
| Memoranda: | ||
| Average total assets | $215,661,800 | 2,829 |
| Average earning assets | $186,672,400 | 2,953 |
| Average equity | $20,508,400 | 3,103 |
| Average total loans | $117,825,200 | 3,085 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9534% | 835 |
| Cost of funding earning assets | 0.6952% | 1,173 |
| Net interest margin | 4.2582% | 1,135 |
| Noninterest income to average assets | 0.3119% | 4,947 |
| Noninterest expense to average assets | 2.6352% | 4,076 |
| Loan and lease loss provision to assets | 0.3100% | 617 |
| Net operating income to assets | 0.7183% | 3,846 |
| Return on assets (ROA) | 0.6789% | 4,142 |
| Pretax return on assets | 0.9821% | 3,664 |
| Return on Equity (ROE) | 7.2330% | 3,592 |
| Retained earnings to average equity (ytd only) | 7.2330% | 1,701 |
| Net charge-offs to loans | 0.9474% | 333 |
| Credit loss provision to net charge-offs | 60.0240% | 2,933 |
| Earnings coverage of net charge-offs (x) | 2.6122% | 3,871 |
| Efficiency ratio | 66.1376% | 4,195 |
| Assets per employee ($millions) | 4.3509% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 2,841 |
| Loan loss allowance to noncurrent loans | 49.8156% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 3.0882% | 747 |
| Noncurrent loans to loans | 2.9599% | 906 |
| Net loans and leases to total assets | 55.0371% | 4,458 |
| Net loans and leases to deposits | 61.6263% | 4,780 |
| Net loans and leases to core deposits | 71.4402% | 4,211 |
| Total domestic deposits to total assets | 89.3080% | 1,071 |
| Equity capital to assets | 9.9725% | 4,194 |
| Core capital (leverage) ratio | 10.1997% | 3,412 |
| Tier 1 risk-based capital ratio | 16.2775% | 2,921 |
| Total risk-based capital ratio | 17.5281% | 2,874 |
| Memoranda: | ||
| Average total assets | $215,034,750 | 2,855 |
| Average earning assets | $185,456,000 | 2,991 |
| Average equity | $20,184,750 | 3,150 |
| Average total loans | $117,235,250 | 3,116 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8795% | 943 |
| Cost of funding earning assets | 0.7072% | 1,156 |
| Net interest margin | 4.1722% | 1,308 |
| Noninterest income to average assets | 0.2949% | 5,053 |
| Noninterest expense to average assets | 2.6441% | 4,079 |
| Loan and lease loss provision to assets | 0.2782% | 735 |
| Net operating income to assets | 0.6678% | 4,004 |
| Return on assets (ROA) | 0.6269% | 4,307 |
| Pretax return on assets | 0.8978% | 3,896 |
| Return on Equity (ROE) | 6.8193% | 3,710 |
| Retained earnings to average equity (ytd only) | 6.8193% | 1,856 |
| Net charge-offs to loans | 0.8609% | 434 |
| Credit loss provision to net charge-offs | 59.7610% | 2,647 |
| Earnings coverage of net charge-offs (x) | 2.6514% | 3,500 |
| Efficiency ratio | 68.1731% | 3,973 |
| Assets per employee ($millions) | 4.2706% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6091% | 2,428 |
| Loan loss allowance to noncurrent loans | 33.9388% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 3.6515% | 623 |
| Noncurrent loans to loans | 4.7412% | 445 |
| Net loans and leases to total assets | 54.0362% | 4,537 |
| Net loans and leases to deposits | 60.3230% | 4,837 |
| Net loans and leases to core deposits | 68.3615% | 4,430 |
| Total domestic deposits to total assets | 89.5781% | 1,031 |
| Equity capital to assets | 9.7550% | 4,423 |
| Core capital (leverage) ratio | 9.8365% | 3,836 |
| Tier 1 risk-based capital ratio | 16.1145% | 3,030 |
| Total risk-based capital ratio | 17.3671% | 2,974 |
| Memoranda: | ||
| Average total assets | $215,647,670 | 2,861 |
| Average earning assets | $185,225,000 | 3,010 |
| Average equity | $19,826,000 | 3,190 |
| Average total loans | $116,616,000 | 3,124 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8723% | 911 |
| Cost of funding earning assets | 0.7168% | 1,140 |
| Net interest margin | 4.1555% | 1,328 |
| Noninterest income to average assets | 0.2732% | 5,188 |
| Noninterest expense to average assets | 2.8518% | 3,372 |
| Loan and lease loss provision to assets | 0.3692% | 460 |
| Net operating income to assets | 0.4491% | 4,935 |
| Return on assets (ROA) | 0.4042% | 5,161 |
| Pretax return on assets | 0.5353% | 5,064 |
| Return on Equity (ROE) | 4.5332% | 4,770 |
| Retained earnings to average equity (ytd only) | 4.5332% | 3,398 |
| Net charge-offs to loans | 0.3612% | 996 |
| Credit loss provision to net charge-offs | 190.4762% | 1,083 |
| Earnings coverage of net charge-offs (x) | 4.9714% | 2,452 |
| Efficiency ratio | 74.7460% | 3,007 |
| Assets per employee ($millions) | 4.4976% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8844% | 1,801 |
| Loan loss allowance to noncurrent loans | 36.5952% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 3.9173% | 619 |
| Noncurrent loans to loans | 5.1494% | 421 |
| Net loans and leases to total assets | 51.5981% | 4,720 |
| Net loans and leases to deposits | 57.1381% | 5,020 |
| Net loans and leases to core deposits | 65.6847% | 4,521 |
| Total domestic deposits to total assets | 90.3042% | 914 |
| Equity capital to assets | 8.9634% | 5,155 |
| Core capital (leverage) ratio | 9.7118% | 3,981 |
| Tier 1 risk-based capital ratio | 15.5659% | 3,402 |
| Total risk-based capital ratio | 16.8204% | 3,364 |
| Memoranda: | ||
| Average total assets | $216,706,000 | 2,865 |
| Average earning assets | $184,718,500 | 3,040 |
| Average equity | $19,324,000 | 3,249 |
| Average total loans | $116,288,500 | 3,150 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1799% | 674 |
| Cost of funding earning assets | 0.8758% | 839 |
| Net interest margin | 4.3041% | 1,099 |
| Noninterest income to average assets | 0.1649% | 6,108 |
| Noninterest expense to average assets | 2.6515% | 4,276 |
| Loan and lease loss provision to assets | 0.9204% | 209 |
| Net operating income to assets | 0.2284% | 5,753 |
| Return on assets (ROA) | 0.1358% | 6,032 |
| Pretax return on assets | 0.0800% | 6,112 |
| Return on Equity (ROE) | 1.4060% | 6,006 |
| Retained earnings to average equity (ytd only) | -0.4821% | 5,971 |
| Net charge-offs to loans | 1.7840% | 231 |
| Credit loss provision to net charge-offs | 90.1235% | 2,753 |
| Earnings coverage of net charge-offs (x) | 1.0703% | 4,723 |
| Efficiency ratio | 70.8107% | 3,698 |
| Assets per employee ($millions) | 4.2606% | 3,337 |
| Cash dividends to net income (ytd only)* | 134.2857% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7904% | 2,090 |
| Loan loss allowance to noncurrent loans | 35.9924% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 4.4281% | 576 |
| Noncurrent loans to loans | 4.9743% | 508 |
| Net loans and leases to total assets | 53.7911% | 4,609 |
| Net loans and leases to deposits | 59.5192% | 4,976 |
| Net loans and leases to core deposits | 68.0156% | 4,513 |
| Total domestic deposits to total assets | 90.3759% | 890 |
| Equity capital to assets | 8.8693% | 5,179 |
| Core capital (leverage) ratio | 9.8517% | 3,771 |
| Tier 1 risk-based capital ratio | 15.2735% | 3,497 |
| Total risk-based capital ratio | 16.5272% | 3,446 |
| Memoranda: | ||
| Average total assets | $206,219,800 | 2,958 |
| Average earning assets | $171,509,800 | 3,201 |
| Average equity | $19,914,400 | 3,157 |
| Average total loans | $118,048,600 | 3,075 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1374% | 726 |
| Cost of funding earning assets | 0.9031% | 800 |
| Net interest margin | 4.2343% | 1,233 |
| Noninterest income to average assets | 0.3149% | 5,184 |
| Noninterest expense to average assets | 2.6188% | 4,331 |
| Loan and lease loss provision to assets | 0.9505% | 179 |
| Net operating income to assets | 0.2364% | 5,818 |
| Return on assets (ROA) | 0.2432% | 5,887 |
| Pretax return on assets | 0.2556% | 5,963 |
| Return on Equity (ROE) | 2.4657% | 5,799 |
| Retained earnings to average equity (ytd only) | 1.2229% | 5,490 |
| Net charge-offs to loans | 2.0147% | 185 |
| Credit loss provision to net charge-offs | 81.4980% | 2,813 |
| Earnings coverage of net charge-offs (x) | 1.0280% | 4,500 |
| Efficiency ratio | 68.5963% | 3,980 |
| Assets per employee ($millions) | 4.0409% | 3,754 |
| Cash dividends to net income (ytd only)* | 50.4022% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6627% | 2,758 |
| Loan loss allowance to noncurrent loans | 30.2462% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 4.5190% | 667 |
| Noncurrent loans to loans | 5.4972% | 498 |
| Net loans and leases to total assets | 56.4212% | 4,261 |
| Net loans and leases to deposits | 62.9412% | 4,637 |
| Net loans and leases to core deposits | 71.8910% | 4,109 |
| Total domestic deposits to total assets | 89.6411% | 1,202 |
| Equity capital to assets | 9.5209% | 4,525 |
| Core capital (leverage) ratio | 10.3135% | 3,220 |
| Tier 1 risk-based capital ratio | 15.5777% | 3,429 |
| Total risk-based capital ratio | 16.8339% | 3,383 |
| Memoranda: | ||
| Average total assets | $204,517,750 | 2,997 |
| Average earning assets | $169,187,000 | 3,256 |
| Average equity | $20,169,500 | 3,170 |
| Average total loans | $118,391,000 | 3,089 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1642% | 682 |
| Cost of funding earning assets | 0.9324% | 768 |
| Net interest margin | 4.2318% | 1,195 |
| Noninterest income to average assets | 0.3755% | 4,708 |
| Noninterest expense to average assets | 2.7108% | 3,991 |
| Loan and lease loss provision to assets | 1.1647% | 139 |
| Net operating income to assets | 0.0735% | 6,192 |
| Return on assets (ROA) | 0.0804% | 6,262 |
| Pretax return on assets | -0.0098% | 6,366 |
| Return on Equity (ROE) | 0.8058% | 6,254 |
| Retained earnings to average equity (ytd only) | 0.8058% | 5,574 |
| Net charge-offs to loans | 2.8605% | 110 |
| Credit loss provision to net charge-offs | 70.1299% | 2,825 |
| Earnings coverage of net charge-offs (x) | 0.6889% | 4,292 |
| Efficiency ratio | 70.3204% | 3,762 |
| Assets per employee ($millions) | 3.9757% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 3,454 |
| Loan loss allowance to noncurrent loans | 38.1064% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 3.7996% | 961 |
| Noncurrent loans to loans | 4.0095% | 969 |
| Net loans and leases to total assets | 56.9299% | 4,148 |
| Net loans and leases to deposits | 63.6106% | 4,550 |
| Net loans and leases to core deposits | 73.6679% | 3,857 |
| Total domestic deposits to total assets | 89.4974% | 1,327 |
| Equity capital to assets | 9.6942% | 4,323 |
| Core capital (leverage) ratio | 10.1010% | 3,369 |
| Tier 1 risk-based capital ratio | 15.6679% | 3,387 |
| Total risk-based capital ratio | 16.9195% | 3,333 |
| Memoranda: | ||
| Average total assets | $203,995,670 | 3,016 |
| Average earning assets | $167,730,670 | 3,289 |
| Average equity | $20,352,330 | 3,172 |
| Average total loans | $118,441,000 | 3,098 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1350% | 698 |
| Cost of funding earning assets | 0.9622% | 734 |
| Net interest margin | 4.1728% | 1,271 |
| Noninterest income to average assets | 0.2307% | 5,806 |
| Noninterest expense to average assets | 2.7916% | 3,729 |
| Loan and lease loss provision to assets | 1.7360% | 75 |
| Net operating income to assets | -0.4653% | 6,659 |
| Return on assets (ROA) | -0.4653% | 6,687 |
| Pretax return on assets | -0.8973% | 6,776 |
| Return on Equity (ROE) | -4.5989% | 6,680 |
| Retained earnings to average equity (ytd only) | -4.5989% | 6,334 |
| Net charge-offs to loans | 1.2600% | 452 |
| Credit loss provision to net charge-offs | 236.8000% | 963 |
| Earnings coverage of net charge-offs (x) | 1.1440% | 3,450 |
| Efficiency ratio | 76.8982% | 2,780 |
| Assets per employee ($millions) | 4.2356% | 3,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3663% | 1,304 |
| Loan loss allowance to noncurrent loans | 40.7424% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 4.3287% | 868 |
| Noncurrent loans to loans | 5.8079% | 586 |
| Net loans and leases to total assets | 55.8646% | 4,106 |
| Net loans and leases to deposits | 62.5353% | 4,469 |
| Net loans and leases to core deposits | 71.5972% | 3,870 |
| Total domestic deposits to total assets | 89.3328% | 1,465 |
| Equity capital to assets | 9.8943% | 4,286 |
| Core capital (leverage) ratio | 10.0239% | 3,345 |
| Tier 1 risk-based capital ratio | 15.3448% | 3,623 |
| Total risk-based capital ratio | 16.6056% | 3,573 |
| Memoranda: | ||
| Average total assets | $204,613,500 | 3,042 |
| Average earning assets | $166,699,000 | 3,329 |
| Average equity | $20,700,500 | 3,180 |
| Average total loans | $119,050,500 | 3,106 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3103% | 909 |
| Cost of funding earning assets | 1.1597% | 702 |
| Net interest margin | 4.1506% | 1,816 |
| Noninterest income to average assets | 0.2653% | 5,562 |
| Noninterest expense to average assets | 2.6241% | 4,662 |
| Loan and lease loss provision to assets | 0.4170% | 1,533 |
| Net operating income to assets | 0.4425% | 4,917 |
| Return on assets (ROA) | 0.5347% | 4,810 |
| Pretax return on assets | 0.7066% | 4,649 |
| Return on Equity (ROE) | 5.1190% | 4,624 |
| Retained earnings to average equity (ytd only) | 3.2998% | 3,901 |
| Net charge-offs to loans | 0.9208% | 1,221 |
| Credit loss provision to net charge-offs | 74.4585% | 4,027 |
| Earnings coverage of net charge-offs (x) | 1.7897% | 4,536 |
| Efficiency ratio | 72.3624% | 3,350 |
| Assets per employee ($millions) | 4.0337% | 3,882 |
| Cash dividends to net income (ytd only)* | 35.5388% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9246% | 2,216 |
| Loan loss allowance to noncurrent loans | 31.6304% | 6,000 |
| Noncurrent assets plus other real estate owned to assets | 4.8105% | 824 |
| Noncurrent loans to loans | 6.0847% | 586 |
| Net loans and leases to total assets | 58.0368% | 3,972 |
| Net loans and leases to deposits | 65.3650% | 4,376 |
| Net loans and leases to core deposits | 75.4525% | 3,605 |
| Total domestic deposits to total assets | 88.7889% | 1,708 |
| Equity capital to assets | 10.3459% | 3,701 |
| Core capital (leverage) ratio | 10.3382% | 2,963 |
| Tier 1 risk-based capital ratio | 15.6283% | 3,361 |
| Total risk-based capital ratio | 16.8840% | 3,317 |
| Memoranda: | ||
| Average total assets | $197,854,600 | 3,074 |
| Average earning assets | $160,216,800 | 3,374 |
| Average equity | $20,668,200 | 3,122 |
| Average total loans | $120,333,200 | 3,068 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3491% | 924 |
| Cost of funding earning assets | 1.1900% | 723 |
| Net interest margin | 4.1591% | 1,869 |
| Noninterest income to average assets | 0.2228% | 5,960 |
| Noninterest expense to average assets | 2.6152% | 4,690 |
| Loan and lease loss provision to assets | 0.3724% | 1,736 |
| Net operating income to assets | 0.4496% | 5,035 |
| Return on assets (ROA) | 0.5715% | 4,788 |
| Pretax return on assets | 0.7632% | 4,621 |
| Return on Equity (ROE) | 5.4577% | 4,618 |
| Retained earnings to average equity (ytd only) | 4.2420% | 3,907 |
| Net charge-offs to loans | 0.9476% | 1,134 |
| Credit loss provision to net charge-offs | 64.1774% | 4,044 |
| Earnings coverage of net charge-offs (x) | 1.6768% | 4,434 |
| Efficiency ratio | 72.8817% | 3,169 |
| Assets per employee ($millions) | 3.9848% | 3,903 |
| Cash dividends to net income (ytd only)* | 22.2748% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9095% | 2,439 |
| Loan loss allowance to noncurrent loans | 38.7818% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 4.1930% | 1,135 |
| Noncurrent loans to loans | 4.9236% | 923 |
| Net loans and leases to total assets | 58.6060% | 4,021 |
| Net loans and leases to deposits | 66.0931% | 4,460 |
| Net loans and leases to core deposits | 74.9499% | 3,855 |
| Total domestic deposits to total assets | 88.6719% | 1,610 |
| Equity capital to assets | 10.5180% | 3,821 |
| Core capital (leverage) ratio | 10.4160% | 3,018 |
| Tier 1 risk-based capital ratio | 15.6947% | 3,429 |
| Total risk-based capital ratio | 16.9506% | 3,389 |
| Memoranda: | ||
| Average total assets | $196,897,250 | 3,115 |
| Average earning assets | $159,324,500 | 3,425 |
| Average equity | $20,618,750 | 3,155 |
| Average total loans | $120,579,500 | 3,105 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3837% | 900 |
| Cost of funding earning assets | 1.2083% | 781 |
| Net interest margin | 4.1754% | 1,831 |
| Noninterest income to average assets | 0.1509% | 6,440 |
| Noninterest expense to average assets | 2.6382% | 4,658 |
| Loan and lease loss provision to assets | 0.2550% | 2,540 |
| Net operating income to assets | 0.4626% | 4,988 |
| Return on assets (ROA) | 0.6415% | 4,411 |
| Pretax return on assets | 0.8719% | 4,191 |
| Return on Equity (ROE) | 6.1347% | 4,257 |
| Retained earnings to average equity (ytd only) | 4.3011% | 3,749 |
| Net charge-offs to loans | 0.8621% | 1,279 |
| Credit loss provision to net charge-offs | 47.8927% | 4,085 |
| Earnings coverage of net charge-offs (x) | 1.6628% | 4,159 |
| Efficiency ratio | 74.8770% | 2,919 |
| Assets per employee ($millions) | 4.0658% | 3,733 |
| Cash dividends to net income (ytd only)* | 29.8887% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9152% | 2,504 |
| Loan loss allowance to noncurrent loans | 45.1310% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 3.6903% | 1,413 |
| Noncurrent loans to loans | 4.2437% | 1,276 |
| Net loans and leases to total assets | 59.3300% | 3,938 |
| Net loans and leases to deposits | 66.7655% | 4,400 |
| Net loans and leases to core deposits | 76.0660% | 3,765 |
| Total domestic deposits to total assets | 88.8632% | 1,596 |
| Equity capital to assets | 10.3050% | 3,930 |
| Core capital (leverage) ratio | 10.3812% | 2,948 |
| Tier 1 risk-based capital ratio | 15.3491% | 3,541 |
| Total risk-based capital ratio | 16.6052% | 3,495 |
| Memoranda: | ||
| Average total assets | $196,116,670 | 3,134 |
| Average earning assets | $158,403,670 | 3,459 |
| Average equity | $20,506,330 | 3,165 |
| Average total loans | $121,093,000 | 3,112 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6014% | 624 |
| Cost of funding earning assets | 1.2269% | 861 |
| Net interest margin | 4.3745% | 1,286 |
| Noninterest income to average assets | 0.2385% | 5,924 |
| Noninterest expense to average assets | 2.6747% | 4,525 |
| Loan and lease loss provision to assets | 0.2056% | 2,895 |
| Net operating income to assets | 0.6190% | 4,267 |
| Return on assets (ROA) | 0.9601% | 2,842 |
| Pretax return on assets | 1.3713% | 2,281 |
| Return on Equity (ROE) | 9.1146% | 2,780 |
| Retained earnings to average equity (ytd only) | 9.1146% | 1,549 |
| Net charge-offs to loans | 0.9194% | 1,117 |
| Credit loss provision to net charge-offs | 35.8423% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.8996% | 3,385 |
| Efficiency ratio | 71.0541% | 3,609 |
| Assets per employee ($millions) | 4.1967% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9834% | 2,406 |
| Loan loss allowance to noncurrent loans | 54.3090% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 3.5793% | 1,596 |
| Noncurrent loans to loans | 3.6520% | 1,698 |
| Net loans and leases to total assets | 60.1570% | 3,630 |
| Net loans and leases to deposits | 67.7968% | 4,099 |
| Net loans and leases to core deposits | 77.6661% | 3,375 |
| Total domestic deposits to total assets | 88.7312% | 1,864 |
| Equity capital to assets | 10.4596% | 3,540 |
| Core capital (leverage) ratio | 10.4225% | 2,845 |
| Tier 1 risk-based capital ratio | 15.3336% | 3,541 |
| Total risk-based capital ratio | 16.5906% | 3,496 |
| Memoranda: | ||
| Average total assets | $194,563,500 | 3,173 |
| Average earning assets | $156,818,000 | 3,498 |
| Average equity | $20,494,500 | 3,163 |
| Average total loans | $121,386,000 | 3,118 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7321% | 732 |
| Cost of funding earning assets | 1.4376% | 891 |
| Net interest margin | 4.2946% | 1,714 |
| Noninterest income to average assets | 0.3645% | 4,895 |
| Noninterest expense to average assets | 2.7007% | 4,746 |
| Loan and lease loss provision to assets | 1.2751% | 647 |
| Net operating income to assets | -0.0111% | 6,060 |
| Return on assets (ROA) | 0.2845% | 5,463 |
| Pretax return on assets | 0.1912% | 5,808 |
| Return on Equity (ROE) | 2.6236% | 5,432 |
| Retained earnings to average equity (ytd only) | 0.5472% | 5,591 |
| Net charge-offs to loans | 0.7873% | 2,184 |
| Credit loss provision to net charge-offs | 260.4978% | 924 |
| Earnings coverage of net charge-offs (x) | 2.3918% | 4,017 |
| Efficiency ratio | 69.7592% | 4,011 |
| Assets per employee ($millions) | 3.9976% | 3,855 |
| Cash dividends to net income (ytd only)* | 79.1434% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1197% | 1,951 |
| Loan loss allowance to noncurrent loans | 50.9982% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 4.0639% | 1,409 |
| Noncurrent loans to loans | 4.1564% | 1,481 |
| Net loans and leases to total assets | 62.0873% | 3,589 |
| Net loans and leases to deposits | 70.0938% | 4,081 |
| Net loans and leases to core deposits | 79.6171% | 3,497 |
| Total domestic deposits to total assets | 88.5774% | 1,802 |
| Equity capital to assets | 10.6096% | 3,407 |
| Core capital (leverage) ratio | 10.3456% | 2,918 |
| Tier 1 risk-based capital ratio | 15.0240% | 3,625 |
| Total risk-based capital ratio | 16.2829% | 3,583 |
| Memoranda: | ||
| Average total assets | $188,763,600 | 3,200 |
| Average earning assets | $154,148,200 | 3,506 |
| Average equity | $20,468,000 | 3,075 |
| Average total loans | $117,357,200 | 3,229 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6965% | 855 |
| Cost of funding earning assets | 1.4741% | 940 |
| Net interest margin | 4.2224% | 2,014 |
| Noninterest income to average assets | 0.3369% | 5,162 |
| Noninterest expense to average assets | 2.6725% | 4,832 |
| Loan and lease loss provision to assets | 0.5780% | 1,700 |
| Net operating income to assets | 0.4379% | 4,827 |
| Return on assets (ROA) | 0.6745% | 3,922 |
| Pretax return on assets | 0.8419% | 3,975 |
| Return on Equity (ROE) | 6.1866% | 3,931 |
| Retained earnings to average equity (ytd only) | 4.8855% | 3,253 |
| Net charge-offs to loans | 0.7763% | 2,007 |
| Credit loss provision to net charge-offs | 120.3840% | 2,697 |
| Earnings coverage of net charge-offs (x) | 2.3412% | 3,954 |
| Efficiency ratio | 70.3904% | 3,885 |
| Assets per employee ($millions) | 3.9623% | 3,934 |
| Cash dividends to net income (ytd only)* | 21.0305% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 6,186 |
| Loan loss allowance to noncurrent loans | 30.7597% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 3.3976% | 1,866 |
| Noncurrent loans to loans | 3.3043% | 2,091 |
| Net loans and leases to total assets | 63.2382% | 3,470 |
| Net loans and leases to deposits | 71.8182% | 4,014 |
| Net loans and leases to core deposits | 82.0966% | 3,316 |
| Total domestic deposits to total assets | 88.0531% | 2,009 |
| Equity capital to assets | 11.0383% | 3,105 |
| Core capital (leverage) ratio | 10.8257% | 2,547 |
| Tier 1 risk-based capital ratio | 15.5377% | 3,366 |
| Total risk-based capital ratio | 16.4690% | 3,500 |
| Memoranda: | ||
| Average total assets | $187,983,750 | 3,232 |
| Average earning assets | $154,032,000 | 3,528 |
| Average equity | $20,495,500 | 3,077 |
| Average total loans | $116,267,750 | 3,276 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6023% | 1,065 |
| Cost of funding earning assets | 1.4898% | 1,036 |
| Net interest margin | 4.1125% | 2,361 |
| Noninterest income to average assets | 0.3856% | 4,790 |
| Noninterest expense to average assets | 2.7183% | 4,746 |
| Loan and lease loss provision to assets | 0.3204% | 2,864 |
| Net operating income to assets | 0.6152% | 3,982 |
| Return on assets (ROA) | 0.6152% | 4,116 |
| Pretax return on assets | 0.7434% | 4,237 |
| Return on Equity (ROE) | 5.6667% | 4,130 |
| Retained earnings to average equity (ytd only) | 3.6991% | 3,862 |
| Net charge-offs to loans | 0.8383% | 1,827 |
| Credit loss provision to net charge-offs | 62.5000% | 4,285 |
| Earnings coverage of net charge-offs (x) | 2.0750% | 3,818 |
| Efficiency ratio | 71.8724% | 3,762 |
| Assets per employee ($millions) | 3.9816% | 3,790 |
| Cash dividends to net income (ytd only)* | 34.7222% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7725% | 6,916 |
| Loan loss allowance to noncurrent loans | 32.9619% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 2.7454% | 2,434 |
| Noncurrent loans to loans | 2.3436% | 3,048 |
| Net loans and leases to total assets | 61.6305% | 3,966 |
| Net loans and leases to deposits | 70.1974% | 4,415 |
| Net loans and leases to core deposits | 80.1905% | 3,757 |
| Total domestic deposits to total assets | 87.7960% | 2,284 |
| Equity capital to assets | 10.8383% | 3,145 |
| Core capital (leverage) ratio | 10.7133% | 2,505 |
| Tier 1 risk-based capital ratio | 15.4776% | 3,257 |
| Total risk-based capital ratio | 16.1792% | 3,504 |
| Memoranda: | ||
| Average total assets | $187,247,670 | 3,264 |
| Average earning assets | $154,651,670 | 3,551 |
| Average equity | $20,329,330 | 3,082 |
| Average total loans | $114,520,670 | 3,345 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6090% | 1,038 |
| Cost of funding earning assets | 1.5007% | 1,161 |
| Net interest margin | 4.1082% | 2,236 |
| Noninterest income to average assets | 0.4554% | 4,231 |
| Noninterest expense to average assets | 2.7586% | 4,609 |
| Loan and lease loss provision to assets | 0.3238% | 2,606 |
| Net operating income to assets | 0.6497% | 3,751 |
| Return on assets (ROA) | 0.6497% | 3,827 |
| Pretax return on assets | 0.7943% | 3,921 |
| Return on Equity (ROE) | 5.9790% | 3,915 |
| Retained earnings to average equity (ytd only) | 5.9790% | 2,648 |
| Net charge-offs to loans | 1.2132% | 1,146 |
| Credit loss provision to net charge-offs | 43.9883% | 3,870 |
| Earnings coverage of net charge-offs (x) | 1.5191% | 3,572 |
| Efficiency ratio | 71.1581% | 4,019 |
| Assets per employee ($millions) | 3.9427% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8015% | 6,917 |
| Loan loss allowance to noncurrent loans | 39.1530% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 2.4566% | 2,769 |
| Noncurrent loans to loans | 2.0470% | 3,513 |
| Net loans and leases to total assets | 59.2551% | 4,414 |
| Net loans and leases to deposits | 67.0123% | 4,825 |
| Net loans and leases to core deposits | 77.5115% | 4,084 |
| Total domestic deposits to total assets | 88.4242% | 2,129 |
| Equity capital to assets | 10.7425% | 2,939 |
| Core capital (leverage) ratio | 10.8885% | 2,271 |
| Tier 1 risk-based capital ratio | 15.9730% | 2,911 |
| Total risk-based capital ratio | 16.6910% | 3,141 |
| Memoranda: | ||
| Average total assets | $185,312,500 | 3,315 |
| Average earning assets | $154,324,000 | 3,576 |
| Average equity | $20,137,000 | 3,089 |
| Average total loans | $112,429,000 | 3,432 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6170% | 1,830 |
| Cost of funding earning assets | 1.5567% | 2,324 |
| Net interest margin | 4.0604% | 2,748 |
| Noninterest income to average assets | 0.4837% | 4,294 |
| Noninterest expense to average assets | 2.8965% | 4,238 |
| Loan and lease loss provision to assets | 0.4739% | 3,297 |
| Net operating income to assets | 0.5224% | 3,992 |
| Return on assets (ROA) | 0.5224% | 4,144 |
| Pretax return on assets | 0.5698% | 4,420 |
| Return on Equity (ROE) | 4.4560% | 4,318 |
| Retained earnings to average equity (ytd only) | 0.4633% | 5,349 |
| Net charge-offs to loans | 0.6559% | 3,041 |
| Credit loss provision to net charge-offs | 115.8192% | 3,722 |
| Earnings coverage of net charge-offs (x) | 2.5508% | 3,834 |
| Efficiency ratio | 73.5113% | 3,486 |
| Assets per employee ($millions) | 4.0306% | 3,720 |
| Cash dividends to net income (ytd only)* | 89.6018% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 6,456 |
| Loan loss allowance to noncurrent loans | 45.2558% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 2.4639% | 2,810 |
| Noncurrent loans to loans | 2.1679% | 3,348 |
| Net loans and leases to total assets | 61.0419% | 4,480 |
| Net loans and leases to deposits | 69.2434% | 4,920 |
| Net loans and leases to core deposits | 79.1818% | 4,322 |
| Total domestic deposits to total assets | 88.1556% | 2,144 |
| Equity capital to assets | 10.9959% | 2,689 |
| Core capital (leverage) ratio | 11.0540% | 2,122 |
| Tier 1 risk-based capital ratio | 16.0202% | 2,741 |
| Total risk-based capital ratio | 16.9054% | 2,880 |
| Memoranda: | ||
| Average total assets | $173,033,600 | 3,484 |
| Average earning assets | $147,301,800 | 3,678 |
| Average equity | $20,287,200 | 3,110 |
| Average total loans | $107,946,200 | 3,594 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6305% | 1,942 |
| Cost of funding earning assets | 1.5520% | 2,663 |
| Net interest margin | 4.0786% | 2,719 |
| Noninterest income to average assets | 0.4532% | 4,537 |
| Noninterest expense to average assets | 2.6315% | 5,189 |
| Loan and lease loss provision to assets | 0.5616% | 2,699 |
| Net operating income to assets | 0.6286% | 3,756 |
| Return on assets (ROA) | 0.6286% | 3,926 |
| Pretax return on assets | 0.7425% | 4,108 |
| Return on Equity (ROE) | 5.2748% | 4,159 |
| Retained earnings to average equity (ytd only) | 2.4607% | 4,699 |
| Net charge-offs to loans | 0.7590% | 2,525 |
| Credit loss provision to net charge-offs | 118.2266% | 3,509 |
| Earnings coverage of net charge-offs (x) | 2.7455% | 3,775 |
| Efficiency ratio | 66.8648% | 4,683 |
| Assets per employee ($millions) | 4.0086% | 3,815 |
| Cash dividends to net income (ytd only)* | 53.3500% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 6,390 |
| Loan loss allowance to noncurrent loans | 38.7827% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 2.6857% | 2,689 |
| Noncurrent loans to loans | 2.5812% | 3,048 |
| Net loans and leases to total assets | 61.4521% | 4,641 |
| Net loans and leases to deposits | 70.3759% | 5,092 |
| Net loans and leases to core deposits | 80.4423% | 4,461 |
| Total domestic deposits to total assets | 87.3198% | 2,361 |
| Equity capital to assets | 11.7486% | 2,323 |
| Core capital (leverage) ratio | 11.4573% | 1,966 |
| Tier 1 risk-based capital ratio | 16.5801% | 2,525 |
| Total risk-based capital ratio | 17.4825% | 2,610 |
| Memoranda: | ||
| Average total assets | $170,947,750 | 3,563 |
| Average earning assets | $145,963,000 | 3,752 |
| Average equity | $20,373,000 | 3,141 |
| Average total loans | $106,979,500 | 3,658 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6947% | 1,787 |
| Cost of funding earning assets | 1.5388% | 3,017 |
| Net interest margin | 4.1560% | 2,310 |
| Noninterest income to average assets | 0.4635% | 4,410 |
| Noninterest expense to average assets | 2.5908% | 5,356 |
| Loan and lease loss provision to assets | 0.4375% | 3,125 |
| Net operating income to assets | 0.7852% | 3,045 |
| Return on assets (ROA) | 0.7852% | 3,189 |
| Pretax return on assets | 0.9897% | 3,156 |
| Return on Equity (ROE) | 6.5559% | 3,528 |
| Retained earnings to average equity (ytd only) | 2.3104% | 4,689 |
| Net charge-offs to loans | 0.3750% | 3,487 |
| Credit loss provision to net charge-offs | 185.9296% | 2,118 |
| Earnings coverage of net charge-offs (x) | 6.0653% | 2,539 |
| Efficiency ratio | 64.4791% | 5,246 |
| Assets per employee ($millions) | 3.9203% | 3,927 |
| Cash dividends to net income (ytd only)* | 64.7590% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0579% | 6,152 |
| Loan loss allowance to noncurrent loans | 46.5378% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 1.8401% | 3,710 |
| Noncurrent loans to loans | 2.2732% | 3,404 |
| Net loans and leases to total assets | 62.6800% | 4,537 |
| Net loans and leases to deposits | 71.7681% | 5,031 |
| Net loans and leases to core deposits | 82.4535% | 4,350 |
| Total domestic deposits to total assets | 87.3368% | 2,363 |
| Equity capital to assets | 11.8342% | 2,195 |
| Core capital (leverage) ratio | 11.7221% | 1,791 |
| Tier 1 risk-based capital ratio | 16.6956% | 2,401 |
| Total risk-based capital ratio | 17.6609% | 2,455 |
| Memoranda: | ||
| Average total assets | $169,137,670 | 3,612 |
| Average earning assets | $144,660,000 | 3,801 |
| Average equity | $20,256,670 | 3,140 |
| Average total loans | $106,144,670 | 3,713 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7085% | 1,744 |
| Cost of funding earning assets | 1.5480% | 3,280 |
| Net interest margin | 4.1606% | 2,195 |
| Noninterest income to average assets | 0.3750% | 5,140 |
| Noninterest expense to average assets | 2.3791% | 6,166 |
| Loan and lease loss provision to assets | 0.2866% | 3,736 |
| Net operating income to assets | 0.9483% | 2,365 |
| Return on assets (ROA) | 0.9483% | 2,432 |
| Pretax return on assets | 1.2660% | 2,151 |
| Return on Equity (ROE) | 7.8698% | 2,952 |
| Retained earnings to average equity (ytd only) | 6.8786% | 2,183 |
| Net charge-offs to loans | 0.1683% | 3,915 |
| Credit loss provision to net charge-offs | 272.7273% | 1,451 |
| Earnings coverage of net charge-offs (x) | 14.7727% | 1,410 |
| Efficiency ratio | 60.5103% | 6,077 |
| Assets per employee ($millions) | 3.8560% | 4,189 |
| Cash dividends to net income (ytd only)* | 12.5945% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 6,469 |
| Loan loss allowance to noncurrent loans | 48.6028% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 1.5773% | 4,134 |
| Noncurrent loans to loans | 2.0592% | 3,708 |
| Net loans and leases to total assets | 61.8583% | 4,787 |
| Net loans and leases to deposits | 70.9735% | 5,208 |
| Net loans and leases to core deposits | 81.5938% | 4,545 |
| Total domestic deposits to total assets | 87.1568% | 2,544 |
| Equity capital to assets | 11.9874% | 2,053 |
| Core capital (leverage) ratio | 12.0197% | 1,644 |
| Tier 1 risk-based capital ratio | 17.2575% | 2,171 |
| Total risk-based capital ratio | 18.1682% | 2,245 |
| Memoranda: | ||
| Average total assets | $167,460,500 | 3,704 |
| Average earning assets | $143,154,000 | 3,885 |
| Average equity | $20,178,500 | 3,181 |
| Average total loans | $104,580,000 | 3,808 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0563% | 1,654 |
| Cost of funding earning assets | 1.9289% | 3,309 |
| Net interest margin | 4.1274% | 2,335 |
| Noninterest income to average assets | 0.4995% | 4,419 |
| Noninterest expense to average assets | 2.6398% | 5,630 |
| Loan and lease loss provision to assets | 0.2779% | 5,194 |
| Net operating income to assets | 0.8322% | 2,406 |
| Return on assets (ROA) | 0.8398% | 2,470 |
| Pretax return on assets | 1.1652% | 2,053 |
| Return on Equity (ROE) | 6.8793% | 2,836 |
| Retained earnings to average equity (ytd only) | 3.0350% | 3,040 |
| Net charge-offs to loans | 0.2499% | 5,061 |
| Credit loss provision to net charge-offs | 185.9504% | 2,185 |
| Earnings coverage of net charge-offs (x) | 9.5868% | 1,779 |
| Efficiency ratio | 64.8218% | 5,613 |
| Assets per employee ($millions) | 3.8432% | 4,163 |
| Cash dividends to net income (ytd only)* | 55.8824% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 6,615 |
| Loan loss allowance to noncurrent loans | 38.3866% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 1.8377% | 3,613 |
| Noncurrent loans to loans | 2.4877% | 3,054 |
| Net loans and leases to total assets | 61.8205% | 5,030 |
| Net loans and leases to deposits | 71.0489% | 5,462 |
| Net loans and leases to core deposits | 112.6519% | 2,631 |
| Total domestic deposits to total assets | 87.0113% | 2,502 |
| Equity capital to assets | 12.1137% | 1,970 |
| Core capital (leverage) ratio | 12.0471% | 1,646 |
| Tier 1 risk-based capital ratio | 17.3560% | 2,064 |
| Total risk-based capital ratio | 18.2212% | 2,124 |
| Memoranda: | ||
| Average total assets | $161,946,800 | 3,733 |
| Average earning assets | $140,185,600 | 3,898 |
| Average equity | $19,769,400 | 3,240 |
| Average total loans | $96,847,400 | 4,038 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0758% | 1,740 |
| Cost of funding earning assets | 2.0119% | 3,293 |
| Net interest margin | 4.0638% | 2,535 |
| Noninterest income to average assets | 0.4891% | 4,591 |
| Noninterest expense to average assets | 2.5951% | 5,726 |
| Loan and lease loss provision to assets | 0.2731% | 4,786 |
| Net operating income to assets | 0.8162% | 2,739 |
| Return on assets (ROA) | 0.8250% | 2,770 |
| Pretax return on assets | 1.1701% | 2,355 |
| Return on Equity (ROE) | 6.7453% | 3,187 |
| Retained earnings to average equity (ytd only) | 4.1744% | 2,947 |
| Net charge-offs to loans | 0.2365% | 4,572 |
| Credit loss provision to net charge-offs | 195.2663% | 2,309 |
| Earnings coverage of net charge-offs (x) | 10.2307% | 1,987 |
| Efficiency ratio | 64.4604% | 5,669 |
| Assets per employee ($millions) | 3.7776% | 4,233 |
| Cash dividends to net income (ytd only)* | 38.1140% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 6,621 |
| Loan loss allowance to noncurrent loans | 41.5412% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 1.5754% | 3,990 |
| Noncurrent loans to loans | 2.2493% | 3,323 |
| Net loans and leases to total assets | 61.2247% | 5,375 |
| Net loans and leases to deposits | 70.8477% | 5,806 |
| Net loans and leases to core deposits | 113.2209% | 2,912 |
| Total domestic deposits to total assets | 86.4174% | 2,467 |
| Equity capital to assets | 12.5945% | 1,885 |
| Core capital (leverage) ratio | 12.1509% | 1,732 |
| Tier 1 risk-based capital ratio | 17.9930% | 1,991 |
| Total risk-based capital ratio | 18.8464% | 2,054 |
| Memoranda: | ||
| Average total assets | $161,118,750 | 3,776 |
| Average earning assets | $140,226,000 | 3,923 |
| Average equity | $19,707,000 | 3,287 |
| Average total loans | $95,272,000 | 4,114 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1005% | 1,790 |
| Cost of funding earning assets | 2.0965% | 3,285 |
| Net interest margin | 4.0040% | 2,684 |
| Noninterest income to average assets | 0.4593% | 4,784 |
| Noninterest expense to average assets | 2.7321% | 5,249 |
| Loan and lease loss provision to assets | 0.2863% | 4,288 |
| Net operating income to assets | 0.6348% | 3,536 |
| Return on assets (ROA) | 0.6485% | 3,578 |
| Pretax return on assets | 0.9410% | 3,206 |
| Return on Equity (ROE) | 5.3555% | 3,933 |
| Retained earnings to average equity (ytd only) | 1.4494% | 4,522 |
| Net charge-offs to loans | 0.1838% | 4,419 |
| Credit loss provision to net charge-offs | 267.4419% | 1,744 |
| Earnings coverage of net charge-offs (x) | 11.2791% | 1,915 |
| Efficiency ratio | 69.3523% | 4,910 |
| Assets per employee ($millions) | 3.7626% | 4,187 |
| Cash dividends to net income (ytd only)* | 72.9367% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 6,537 |
| Loan loss allowance to noncurrent loans | 60.0783% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 1.1008% | 4,760 |
| Noncurrent loans to loans | 1.5857% | 4,119 |
| Net loans and leases to total assets | 59.1835% | 5,809 |
| Net loans and leases to deposits | 67.9427% | 6,196 |
| Net loans and leases to core deposits | 107.4452% | 3,671 |
| Total domestic deposits to total assets | 87.1080% | 2,193 |
| Equity capital to assets | 11.9711% | 2,223 |
| Core capital (leverage) ratio | 11.7843% | 1,928 |
| Tier 1 risk-based capital ratio | 18.1286% | 1,981 |
| Total risk-based capital ratio | 18.9937% | 2,033 |
| Memoranda: | ||
| Average total assets | $160,679,670 | 3,816 |
| Average earning assets | $139,660,330 | 3,952 |
| Average equity | $19,456,670 | 3,328 |
| Average total loans | $93,566,330 | 4,184 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1907% | 1,629 |
| Cost of funding earning assets | 2.1421% | 3,454 |
| Net interest margin | 4.0487% | 2,458 |
| Noninterest income to average assets | 0.5346% | 4,027 |
| Noninterest expense to average assets | 2.3906% | 6,225 |
| Loan and lease loss provision to assets | 0.3497% | 3,221 |
| Net operating income to assets | 0.9518% | 2,508 |
| Return on assets (ROA) | 0.9518% | 2,636 |
| Pretax return on assets | 1.3165% | 2,225 |
| Return on Equity (ROE) | 7.8150% | 3,235 |
| Retained earnings to average equity (ytd only) | 7.8150% | 1,887 |
| Net charge-offs to loans | 0.2304% | 3,259 |
| Credit loss provision to net charge-offs | 264.1509% | 1,790 |
| Earnings coverage of net charge-offs (x) | 12.5849% | 1,792 |
| Efficiency ratio | 58.9286% | 6,561 |
| Assets per employee ($millions) | 3.8128% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 6,603 |
| Loan loss allowance to noncurrent loans | 143.2836% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 5,766 |
| Noncurrent loans to loans | 0.6499% | 5,782 |
| Net loans and leases to total assets | 56.0680% | 6,230 |
| Net loans and leases to deposits | 64.3992% | 6,517 |
| Net loans and leases to core deposits | 101.2635% | 4,414 |
| Total domestic deposits to total assets | 87.0632% | 2,181 |
| Equity capital to assets | 12.0414% | 2,232 |
| Core capital (leverage) ratio | 12.1620% | 1,832 |
| Tier 1 risk-based capital ratio | 18.9549% | 1,822 |
| Total risk-based capital ratio | 19.7930% | 1,878 |
| Memoranda: | ||
| Average total assets | $160,124,500 | 3,833 |
| Average earning assets | $139,305,500 | 3,968 |
| Average equity | $19,501,000 | 3,344 |
| Average total loans | $92,012,500 | 4,259 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8681% | 1,491 |
| Cost of funding earning assets | 2.7296% | 3,023 |
| Net interest margin | 4.1385% | 2,544 |
| Noninterest income to average assets | 0.4696% | 4,878 |
| Noninterest expense to average assets | 2.4872% | 6,059 |
| Loan and lease loss provision to assets | 0.1525% | 5,409 |
| Net operating income to assets | 1.0837% | 2,210 |
| Return on assets (ROA) | 1.0930% | 2,090 |
| Pretax return on assets | 1.5652% | 1,499 |
| Return on Equity (ROE) | 9.0583% | 2,625 |
| Retained earnings to average equity (ytd only) | 4.8978% | 2,087 |
| Net charge-offs to loans | 0.3816% | 2,922 |
| Credit loss provision to net charge-offs | 72.7273% | 6,036 |
| Earnings coverage of net charge-offs (x) | 8.1273% | 2,936 |
| Efficiency ratio | 59.3390% | 6,468 |
| Assets per employee ($millions) | 4.1131% | 3,288 |
| Cash dividends to net income (ytd only)* | 45.9302% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8516% | 6,896 |
| Loan loss allowance to noncurrent loans | 82.1353% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 0.8151% | 4,808 |
| Noncurrent loans to loans | 1.0369% | 4,512 |
| Net loans and leases to total assets | 57.8766% | 6,214 |
| Net loans and leases to deposits | 66.7597% | 6,587 |
| Net loans and leases to core deposits | 101.2412% | 4,694 |
| Total domestic deposits to total assets | 86.6940% | 2,098 |
| Equity capital to assets | 12.3226% | 2,097 |
| Core capital (leverage) ratio | 12.1715% | 1,894 |
| Tier 1 risk-based capital ratio | 19.0510% | 1,805 |
| Total risk-based capital ratio | 19.8236% | 1,851 |
| Memoranda: | ||
| Average total assets | $157,364,200 | 3,768 |
| Average earning assets | $141,523,800 | 3,813 |
| Average equity | $18,988,200 | 3,396 |
| Average total loans | $86,484,200 | 4,320 |