Home > Union Community Bank > Performance and Condition Ratios
Union Community Bank, Performance and Condition Ratios
| 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 | 4.6160% | 2,097 |
| Cost of funding earning assets | 0.5295% | 3,186 |
| Net interest margin | 4.0865% | 1,727 |
| Noninterest income to average assets | 0.6423% | 2,078 |
| Noninterest expense to average assets | 3.0432% | 1,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0735% | 2,706 |
| Return on assets (ROA) | 1.0738% | 2,691 |
| Pretax return on assets | 1.3167% | 2,443 |
| Return on Equity (ROE) | 7.0124% | 3,816 |
| Retained earnings to average equity (ytd only) | 6.6045% | 1,861 |
| Net charge-offs to loans | -0.0063% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3999% | 2,307 |
| Assets per employee ($millions) | 4.9449% | 2,566 |
| Cash dividends to net income (ytd only)* | 5.8169% | 3,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 2,561 |
| Loan loss allowance to noncurrent loans | 287.2060% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 3,297 |
| Noncurrent loans to loans | 0.4184% | 3,037 |
| Net loans and leases to total assets | 74.3111% | 1,887 |
| Net loans and leases to deposits | 89.1382% | 1,910 |
| Net loans and leases to core deposits | 90.2539% | 2,557 |
| Total domestic deposits to total assets | 83.3662% | 3,206 |
| Equity capital to assets | 16.0132% | 530 |
| Core capital (leverage) ratio | 16.1481% | 496 |
| Tier 1 risk-based capital ratio | 20.4081% | 1,242 |
| Total risk-based capital ratio | 21.5939% | 1,225 |
| Memoranda: | ||
| Average total assets | $560,335,400 | 1,269 |
| Average earning assets | $509,701,200 | 1,288 |
| Average equity | $85,805,600 | 975 |
| Average total loans | $425,806,600 | 1,192 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6551% | 1,813 |
| Cost of funding earning assets | 0.4852% | 3,293 |
| Net interest margin | 4.1700% | 1,444 |
| Noninterest income to average assets | 0.6290% | 2,168 |
| Noninterest expense to average assets | 3.0046% | 2,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1508% | 2,433 |
| Return on assets (ROA) | 1.1512% | 2,440 |
| Pretax return on assets | 1.4157% | 2,176 |
| Return on Equity (ROE) | 7.6031% | 3,706 |
| Retained earnings to average equity (ytd only) | 7.6031% | 1,847 |
| Net charge-offs to loans | -0.0012% | 4,028 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5613% | 2,616 |
| Assets per employee ($millions) | 4.3080% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 2,660 |
| Loan loss allowance to noncurrent loans | 288.7022% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.3180% | 3,420 |
| Noncurrent loans to loans | 0.4133% | 3,171 |
| Net loans and leases to total assets | 76.0196% | 1,659 |
| Net loans and leases to deposits | 91.0944% | 1,743 |
| Net loans and leases to core deposits | 92.0725% | 2,479 |
| Total domestic deposits to total assets | 83.4514% | 3,141 |
| Equity capital to assets | 15.9876% | 541 |
| Core capital (leverage) ratio | 15.9831% | 519 |
| Tier 1 risk-based capital ratio | 20.0755% | 1,324 |
| Total risk-based capital ratio | 21.2498% | 1,302 |
| Memoranda: | ||
| Average total assets | $561,961,500 | 1,266 |
| Average earning assets | $510,877,000 | 1,294 |
| Average equity | $85,085,500 | 981 |
| Average total loans | $428,117,250 | 1,189 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6506% | 1,642 |
| Cost of funding earning assets | 0.4761% | 3,185 |
| Net interest margin | 4.1745% | 1,338 |
| Noninterest income to average assets | 0.6141% | 2,249 |
| Noninterest expense to average assets | 2.9855% | 2,077 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1542% | 2,379 |
| Return on assets (ROA) | 1.1542% | 2,379 |
| Pretax return on assets | 1.4206% | 2,084 |
| Return on Equity (ROE) | 7.7615% | 3,603 |
| Retained earnings to average equity (ytd only) | 7.7615% | 1,725 |
| Net charge-offs to loans | -0.0204% | 4,579 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3349% | 2,758 |
| Assets per employee ($millions) | 4.4464% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 2,855 |
| Loan loss allowance to noncurrent loans | 282.0887% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 3,498 |
| Noncurrent loans to loans | 0.4164% | 3,205 |
| Net loans and leases to total assets | 75.4382% | 1,727 |
| Net loans and leases to deposits | 89.5827% | 1,899 |
| Net loans and leases to core deposits | 90.6772% | 2,514 |
| Total domestic deposits to total assets | 84.2108% | 2,987 |
| Equity capital to assets | 15.2921% | 631 |
| Core capital (leverage) ratio | 15.2663% | 621 |
| Tier 1 risk-based capital ratio | 19.1030% | 1,529 |
| Total risk-based capital ratio | 20.2473% | 1,514 |
| Memoranda: | ||
| Average total assets | $568,344,330 | 1,259 |
| Average earning assets | $516,277,000 | 1,282 |
| Average equity | $84,519,670 | 981 |
| Average total loans | $431,614,000 | 1,181 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4295% | 2,094 |
| Cost of funding earning assets | 0.4352% | 3,331 |
| Net interest margin | 3.9943% | 1,742 |
| Noninterest income to average assets | 0.6268% | 2,142 |
| Noninterest expense to average assets | 2.9805% | 2,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0259% | 2,748 |
| Return on assets (ROA) | 1.0259% | 2,767 |
| Pretax return on assets | 1.2767% | 2,446 |
| Return on Equity (ROE) | 6.9953% | 3,783 |
| Retained earnings to average equity (ytd only) | 6.9953% | 2,279 |
| Net charge-offs to loans | 0.0249% | 2,005 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 67.6667% | 784 |
| Efficiency ratio | 69.5502% | 2,564 |
| Assets per employee ($millions) | 4.5087% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 3,149 |
| Loan loss allowance to noncurrent loans | 272.6322% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 3,571 |
| Noncurrent loans to loans | 0.4179% | 3,286 |
| Net loans and leases to total assets | 74.4385% | 1,794 |
| Net loans and leases to deposits | 87.5939% | 1,983 |
| Net loans and leases to core deposits | 92.1126% | 2,294 |
| Total domestic deposits to total assets | 84.9814% | 2,934 |
| Equity capital to assets | 14.5693% | 760 |
| Core capital (leverage) ratio | 14.7736% | 694 |
| Tier 1 risk-based capital ratio | 18.1677% | 1,779 |
| Total risk-based capital ratio | 19.2656% | 1,781 |
| Memoranda: | ||
| Average total assets | $572,392,000 | 1,266 |
| Average earning assets | $520,241,500 | 1,285 |
| Average equity | $83,942,500 | 998 |
| Average total loans | $433,588,000 | 1,184 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2044% | 2,674 |
| Cost of funding earning assets | 0.3609% | 3,606 |
| Net interest margin | 3.8435% | 2,279 |
| Noninterest income to average assets | 0.6298% | 2,308 |
| Noninterest expense to average assets | 3.0699% | 1,956 |
| Loan and lease loss provision to assets | 0.1484% | 1,529 |
| Net operating income to assets | 0.5269% | 4,305 |
| Return on assets (ROA) | 0.5269% | 4,336 |
| Pretax return on assets | 0.9094% | 3,891 |
| Return on Equity (ROE) | 3.4414% | 4,705 |
| Retained earnings to average equity (ytd only) | 0.4747% | 4,845 |
| Net charge-offs to loans | -0.0048% | 4,632 |
| Credit loss provision to net charge-offs | -4,300.0000% | 5,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7873% | 1,923 |
| Assets per employee ($millions) | 4.4349% | 3,298 |
| Cash dividends to net income (ytd only)* | 86.2069% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 3,058 |
| Loan loss allowance to noncurrent loans | 256.7818% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 3,494 |
| Noncurrent loans to loans | 0.4482% | 3,169 |
| Net loans and leases to total assets | 75.3344% | 1,707 |
| Net loans and leases to deposits | 89.3931% | 1,845 |
| Net loans and leases to core deposits | 93.4775% | 2,245 |
| Total domestic deposits to total assets | 84.2732% | 3,102 |
| Equity capital to assets | 14.7627% | 727 |
| Core capital (leverage) ratio | 14.7959% | 661 |
| Tier 1 risk-based capital ratio | 18.0460% | 1,792 |
| Total risk-based capital ratio | 19.1692% | 1,772 |
| Memoranda: | ||
| Average total assets | $550,372,600 | 1,282 |
| Average earning assets | $500,903,600 | 1,295 |
| Average equity | $84,269,000 | 964 |
| Average total loans | $397,033,200 | 1,239 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1451% | 2,814 |
| Cost of funding earning assets | 0.3485% | 3,685 |
| Net interest margin | 3.7965% | 2,413 |
| Noninterest income to average assets | 0.6204% | 2,361 |
| Noninterest expense to average assets | 3.0524% | 1,951 |
| Loan and lease loss provision to assets | 0.1548% | 1,335 |
| Net operating income to assets | 0.6195% | 4,317 |
| Return on assets (ROA) | 0.6195% | 4,359 |
| Pretax return on assets | 0.8602% | 4,180 |
| Return on Equity (ROE) | 4.0085% | 4,850 |
| Retained earnings to average equity (ytd only) | 4.0085% | 3,536 |
| Net charge-offs to loans | -0.0168% | 4,795 |
| Credit loss provision to net charge-offs | -1,293.8776% | 4,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4267% | 1,826 |
| Assets per employee ($millions) | 4.3800% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 3,228 |
| Loan loss allowance to noncurrent loans | 263.8600% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 3,751 |
| Noncurrent loans to loans | 0.4335% | 3,407 |
| Net loans and leases to total assets | 74.3887% | 1,856 |
| Net loans and leases to deposits | 91.0410% | 1,685 |
| Net loans and leases to core deposits | 92.2215% | 2,417 |
| Total domestic deposits to total assets | 81.7091% | 3,867 |
| Equity capital to assets | 15.3761% | 659 |
| Core capital (leverage) ratio | 15.7203% | 533 |
| Tier 1 risk-based capital ratio | 18.8888% | 1,624 |
| Total risk-based capital ratio | 20.0076% | 1,602 |
| Memoranda: | ||
| Average total assets | $546,047,500 | 1,300 |
| Average earning assets | $495,774,750 | 1,324 |
| Average equity | $84,385,250 | 972 |
| Average total loans | $388,133,500 | 1,272 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0848% | 2,878 |
| Cost of funding earning assets | 0.3338% | 3,758 |
| Net interest margin | 3.7510% | 2,466 |
| Noninterest income to average assets | 0.6471% | 2,220 |
| Noninterest expense to average assets | 3.0766% | 1,892 |
| Loan and lease loss provision to assets | 0.1696% | 1,154 |
| Net operating income to assets | 0.5750% | 4,408 |
| Return on assets (ROA) | 0.5750% | 4,467 |
| Pretax return on assets | 0.7934% | 4,294 |
| Return on Equity (ROE) | 3.7145% | 4,909 |
| Retained earnings to average equity (ytd only) | 3.7145% | 3,488 |
| Net charge-offs to loans | 0.0106% | 3,081 |
| Credit loss provision to net charge-offs | 2,295.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 130.3000% | 545 |
| Efficiency ratio | 75.5100% | 1,798 |
| Assets per employee ($millions) | 4.1965% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 3,393 |
| Loan loss allowance to noncurrent loans | 250.7112% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 3,703 |
| Noncurrent loans to loans | 0.4530% | 3,388 |
| Net loans and leases to total assets | 73.1271% | 2,016 |
| Net loans and leases to deposits | 87.1331% | 2,089 |
| Net loans and leases to core deposits | 87.9155% | 2,708 |
| Total domestic deposits to total assets | 83.9257% | 3,225 |
| Equity capital to assets | 15.5883% | 595 |
| Core capital (leverage) ratio | 15.5837% | 533 |
| Tier 1 risk-based capital ratio | 19.5077% | 1,474 |
| Total risk-based capital ratio | 20.6152% | 1,453 |
| Memoranda: | ||
| Average total assets | $541,182,000 | 1,316 |
| Average earning assets | $489,473,670 | 1,344 |
| Average equity | $83,778,670 | 978 |
| Average total loans | $376,884,000 | 1,308 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0153% | 2,979 |
| Cost of funding earning assets | 0.3305% | 3,745 |
| Net interest margin | 3.6848% | 2,542 |
| Noninterest income to average assets | 0.6263% | 2,288 |
| Noninterest expense to average assets | 3.1406% | 1,762 |
| Loan and lease loss provision to assets | 0.1900% | 881 |
| Net operating income to assets | 0.4505% | 4,776 |
| Return on assets (ROA) | 0.4505% | 4,797 |
| Pretax return on assets | 0.6056% | 4,716 |
| Return on Equity (ROE) | 2.9201% | 5,124 |
| Retained earnings to average equity (ytd only) | 2.9201% | 3,951 |
| Net charge-offs to loans | 0.0330% | 2,115 |
| Credit loss provision to net charge-offs | 853.3333% | 367 |
| Earnings coverage of net charge-offs (x) | 35.7333% | 1,114 |
| Efficiency ratio | 79.1101% | 1,475 |
| Assets per employee ($millions) | 4.1680% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 3,305 |
| Loan loss allowance to noncurrent loans | 213.3854% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.4992% | 3,221 |
| Noncurrent loans to loans | 0.5482% | 3,173 |
| Net loans and leases to total assets | 68.1023% | 2,664 |
| Net loans and leases to deposits | 80.8755% | 2,633 |
| Net loans and leases to core deposits | 81.4965% | 3,140 |
| Total domestic deposits to total assets | 84.2063% | 3,393 |
| Equity capital to assets | 15.4144% | 575 |
| Core capital (leverage) ratio | 15.6103% | 512 |
| Tier 1 risk-based capital ratio | 20.7732% | 1,250 |
| Total risk-based capital ratio | 21.9001% | 1,252 |
| Memoranda: | ||
| Average total assets | $538,998,500 | 1,322 |
| Average earning assets | $484,151,000 | 1,361 |
| Average equity | $83,147,000 | 980 |
| Average total loans | $363,562,500 | 1,348 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0264% | 3,108 |
| Cost of funding earning assets | 0.3256% | 3,790 |
| Net interest margin | 3.7008% | 2,689 |
| Noninterest income to average assets | 0.7040% | 2,155 |
| Noninterest expense to average assets | 3.2850% | 1,606 |
| Loan and lease loss provision to assets | 0.1007% | 2,363 |
| Net operating income to assets | 0.4969% | 4,646 |
| Return on assets (ROA) | 0.4981% | 4,717 |
| Pretax return on assets | 0.6537% | 4,644 |
| Return on Equity (ROE) | 3.0185% | 5,157 |
| Retained earnings to average equity (ytd only) | -1.0827% | 5,452 |
| Net charge-offs to loans | 0.0711% | 2,680 |
| Credit loss provision to net charge-offs | 217.9916% | 1,311 |
| Earnings coverage of net charge-offs (x) | 16.2929% | 2,124 |
| Efficiency ratio | 80.5488% | 1,353 |
| Assets per employee ($millions) | 4.5826% | 2,994 |
| Cash dividends to net income (ytd only)* | 135.8696% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 3,301 |
| Loan loss allowance to noncurrent loans | 184.5434% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.5551% | 3,067 |
| Noncurrent loans to loans | 0.6346% | 2,952 |
| Net loans and leases to total assets | 65.2064% | 3,193 |
| Net loans and leases to deposits | 77.4890% | 3,162 |
| Net loans and leases to core deposits | 78.1779% | 3,561 |
| Total domestic deposits to total assets | 84.1493% | 3,373 |
| Equity capital to assets | 15.4381% | 575 |
| Core capital (leverage) ratio | 15.6933% | 502 |
| Tier 1 risk-based capital ratio | 21.4149% | 1,148 |
| Total risk-based capital ratio | 22.5223% | 1,150 |
| Memoranda: | ||
| Average total assets | $517,173,200 | 1,325 |
| Average earning assets | $465,896,400 | 1,366 |
| Average equity | $85,340,600 | 931 |
| Average total loans | $336,147,000 | 1,387 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0168% | 3,160 |
| Cost of funding earning assets | 0.3182% | 3,891 |
| Net interest margin | 3.6985% | 2,724 |
| Noninterest income to average assets | 0.7252% | 2,058 |
| Noninterest expense to average assets | 3.3396% | 1,476 |
| Loan and lease loss provision to assets | 0.1171% | 1,971 |
| Net operating income to assets | 0.4670% | 4,813 |
| Return on assets (ROA) | 0.4686% | 4,884 |
| Pretax return on assets | 0.6060% | 4,864 |
| Return on Equity (ROE) | 2.7927% | 5,274 |
| Retained earnings to average equity (ytd only) | 2.7927% | 4,219 |
| Net charge-offs to loans | 0.0490% | 2,672 |
| Credit loss provision to net charge-offs | 368.8525% | 893 |
| Earnings coverage of net charge-offs (x) | 22.7135% | 1,741 |
| Efficiency ratio | 81.4174% | 1,257 |
| Assets per employee ($millions) | 4.1825% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 3,216 |
| Loan loss allowance to noncurrent loans | 146.5710% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.5752% | 3,181 |
| Noncurrent loans to loans | 0.8214% | 2,619 |
| Net loans and leases to total assets | 65.7521% | 3,164 |
| Net loans and leases to deposits | 79.4650% | 3,024 |
| Net loans and leases to core deposits | 80.1565% | 3,432 |
| Total domestic deposits to total assets | 82.7435% | 3,686 |
| Equity capital to assets | 16.7724% | 452 |
| Core capital (leverage) ratio | 16.5613% | 407 |
| Tier 1 risk-based capital ratio | 22.3370% | 1,087 |
| Total risk-based capital ratio | 23.4651% | 1,091 |
| Memoranda: | ||
| Average total assets | $512,426,750 | 1,342 |
| Average earning assets | $462,115,750 | 1,380 |
| Average equity | $85,982,500 | 929 |
| Average total loans | $331,745,500 | 1,409 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9995% | 3,245 |
| Cost of funding earning assets | 0.3091% | 4,025 |
| Net interest margin | 3.6903% | 2,731 |
| Noninterest income to average assets | 0.7215% | 2,042 |
| Noninterest expense to average assets | 3.4584% | 1,248 |
| Loan and lease loss provision to assets | 0.1277% | 1,783 |
| Net operating income to assets | 0.3607% | 5,152 |
| Return on assets (ROA) | 0.3635% | 5,234 |
| Pretax return on assets | 0.4649% | 5,214 |
| Return on Equity (ROE) | 2.1659% | 5,471 |
| Retained earnings to average equity (ytd only) | 2.1659% | 4,487 |
| Net charge-offs to loans | 0.0870% | 1,972 |
| Credit loss provision to net charge-offs | 228.8732% | 1,187 |
| Earnings coverage of net charge-offs (x) | 10.5563% | 2,324 |
| Efficiency ratio | 84.5922% | 999 |
| Assets per employee ($millions) | 4.0434% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 3,382 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.5810% | 3,281 |
| Noncurrent loans to loans | 0.7984% | 2,748 |
| Net loans and leases to total assets | 65.4837% | 3,155 |
| Net loans and leases to deposits | 79.4510% | 3,005 |
| Net loans and leases to core deposits | 80.0116% | 3,457 |
| Total domestic deposits to total assets | 82.4203% | 3,868 |
| Equity capital to assets | 17.0727% | 424 |
| Core capital (leverage) ratio | 16.5756% | 395 |
| Tier 1 risk-based capital ratio | 22.4380% | 1,086 |
| Total risk-based capital ratio | 23.5464% | 1,090 |
| Memoranda: | ||
| Average total assets | $508,963,000 | 1,359 |
| Average earning assets | $458,711,330 | 1,390 |
| Average equity | $85,413,670 | 929 |
| Average total loans | $326,343,000 | 1,430 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9397% | 3,433 |
| Cost of funding earning assets | 0.3026% | 4,135 |
| Net interest margin | 3.6371% | 2,931 |
| Noninterest income to average assets | 0.7328% | 1,890 |
| Noninterest expense to average assets | 3.6776% | 921 |
| Loan and lease loss provision to assets | 0.1675% | 1,236 |
| Net operating income to assets | 0.1565% | 5,602 |
| Return on assets (ROA) | 0.1565% | 5,659 |
| Pretax return on assets | 0.1675% | 5,676 |
| Return on Equity (ROE) | 0.9406% | 5,702 |
| Retained earnings to average equity (ytd only) | 0.9406% | 4,861 |
| Net charge-offs to loans | -0.0137% | 4,672 |
| Credit loss provision to net charge-offs | -1,936.3636% | 4,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7701% | 620 |
| Assets per employee ($millions) | 3.7749% | 4,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 3,163 |
| Loan loss allowance to noncurrent loans | 138.5685% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.6334% | 3,159 |
| Noncurrent loans to loans | 0.9042% | 2,592 |
| Net loans and leases to total assets | 63.1775% | 3,357 |
| Net loans and leases to deposits | 77.2430% | 3,081 |
| Net loans and leases to core deposits | 77.7932% | 3,511 |
| Total domestic deposits to total assets | 81.7907% | 4,286 |
| Equity capital to assets | 16.7547% | 444 |
| Core capital (leverage) ratio | 16.7433% | 394 |
| Tier 1 risk-based capital ratio | 22.7615% | 1,044 |
| Total risk-based capital ratio | 23.9056% | 1,038 |
| Memoranda: | ||
| Average total assets | $508,708,000 | 1,358 |
| Average earning assets | $458,717,000 | 1,395 |
| Average equity | $84,630,000 | 936 |
| Average total loans | $320,681,500 | 1,448 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2189% | 2,500 |
| Cost of funding earning assets | 0.8212% | 438 |
| Net interest margin | 3.3977% | 3,926 |
| Noninterest income to average assets | 0.6927% | 2,242 |
| Noninterest expense to average assets | 3.1987% | 1,975 |
| Loan and lease loss provision to assets | 0.0182% | 4,042 |
| Net operating income to assets | 0.3979% | 5,059 |
| Return on assets (ROA) | 0.5304% | 4,659 |
| Pretax return on assets | 0.7122% | 4,497 |
| Return on Equity (ROE) | 3.1292% | 5,262 |
| Retained earnings to average equity (ytd only) | -1.8840% | 5,742 |
| Net charge-offs to loans | 0.0684% | 2,871 |
| Credit loss provision to net charge-offs | 44.0191% | 3,482 |
| Earnings coverage of net charge-offs (x) | 13.3493% | 2,377 |
| Efficiency ratio | 84.2327% | 1,158 |
| Assets per employee ($millions) | 4.1285% | 3,701 |
| Cash dividends to net income (ytd only)* | 160.2086% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 3,330 |
| Loan loss allowance to noncurrent loans | 145.8082% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 3,419 |
| Noncurrent loans to loans | 0.8398% | 2,689 |
| Net loans and leases to total assets | 61.3340% | 3,646 |
| Net loans and leases to deposits | 77.8012% | 3,074 |
| Net loans and leases to core deposits | 78.3573% | 3,505 |
| Total domestic deposits to total assets | 78.8343% | 5,008 |
| Equity capital to assets | 16.5174% | 464 |
| Core capital (leverage) ratio | 16.7871% | 392 |
| Tier 1 risk-based capital ratio | 23.1616% | 997 |
| Total risk-based capital ratio | 24.2628% | 999 |
| Memoranda: | ||
| Average total assets | $506,012,000 | 1,328 |
| Average earning assets | $455,337,000 | 1,361 |
| Average equity | $85,773,600 | 889 |
| Average total loans | $305,543,200 | 1,452 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2579% | 2,374 |
| Cost of funding earning assets | 0.3469% | 3,787 |
| Net interest margin | 3.9110% | 1,995 |
| Noninterest income to average assets | 0.6736% | 2,363 |
| Noninterest expense to average assets | 3.1726% | 2,040 |
| Loan and lease loss provision to assets | 0.0243% | 3,790 |
| Net operating income to assets | 0.7198% | 3,819 |
| Return on assets (ROA) | 0.7200% | 3,921 |
| Pretax return on assets | 0.9974% | 3,625 |
| Return on Equity (ROE) | 4.2203% | 4,948 |
| Retained earnings to average equity (ytd only) | 1.4377% | 5,142 |
| Net charge-offs to loans | 0.0941% | 2,222 |
| Credit loss provision to net charge-offs | 42.9907% | 3,125 |
| Earnings coverage of net charge-offs (x) | 18.0979% | 2,019 |
| Efficiency ratio | 74.6714% | 2,446 |
| Assets per employee ($millions) | 4.0417% | 3,817 |
| Cash dividends to net income (ytd only)* | 65.9340% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 3,372 |
| Loan loss allowance to noncurrent loans | 180.6089% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 3,957 |
| Noncurrent loans to loans | 0.6917% | 3,248 |
| Net loans and leases to total assets | 59.8570% | 3,899 |
| Net loans and leases to deposits | 76.1475% | 3,284 |
| Net loans and leases to core deposits | 76.4962% | 3,741 |
| Total domestic deposits to total assets | 78.6067% | 5,068 |
| Equity capital to assets | 17.1841% | 417 |
| Core capital (leverage) ratio | 17.2793% | 352 |
| Tier 1 risk-based capital ratio | 23.8782% | 958 |
| Total risk-based capital ratio | 26.0349% | 866 |
| Memoranda: | ||
| Average total assets | $505,564,250 | 1,334 |
| Average earning assets | $455,077,000 | 1,369 |
| Average equity | $86,248,000 | 891 |
| Average total loans | $303,099,750 | 1,463 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3273% | 2,093 |
| Cost of funding earning assets | 0.3449% | 3,869 |
| Net interest margin | 3.9824% | 1,691 |
| Noninterest income to average assets | 0.6182% | 2,635 |
| Noninterest expense to average assets | 3.1900% | 2,008 |
| Loan and lease loss provision to assets | 0.0365% | 3,393 |
| Net operating income to assets | 0.7016% | 3,881 |
| Return on assets (ROA) | 0.7019% | 4,000 |
| Pretax return on assets | 0.9728% | 3,686 |
| Return on Equity (ROE) | 4.1246% | 4,968 |
| Retained earnings to average equity (ytd only) | -0.0699% | 5,523 |
| Net charge-offs to loans | 0.0604% | 2,525 |
| Credit loss provision to net charge-offs | 101.0989% | 2,021 |
| Earnings coverage of net charge-offs (x) | 27.9560% | 1,436 |
| Efficiency ratio | 74.9717% | 2,541 |
| Assets per employee ($millions) | 4.1097% | 3,662 |
| Cash dividends to net income (ytd only)* | 101.6949% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3204% | 3,130 |
| Loan loss allowance to noncurrent loans | 175.8285% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.5188% | 3,884 |
| Noncurrent loans to loans | 0.7510% | 3,233 |
| Net loans and leases to total assets | 59.3107% | 3,932 |
| Net loans and leases to deposits | 75.2359% | 3,355 |
| Net loans and leases to core deposits | 75.4330% | 3,817 |
| Total domestic deposits to total assets | 78.8330% | 5,131 |
| Equity capital to assets | 17.0559% | 413 |
| Core capital (leverage) ratio | 17.3818% | 339 |
| Tier 1 risk-based capital ratio | 23.6857% | 988 |
| Total risk-based capital ratio | 25.8696% | 882 |
| Memoranda: | ||
| Average total assets | $504,333,330 | 1,345 |
| Average earning assets | $453,444,330 | 1,383 |
| Average equity | $85,827,000 | 896 |
| Average total loans | $301,239,000 | 1,473 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4175% | 1,707 |
| Cost of funding earning assets | 0.3528% | 3,828 |
| Net interest margin | 4.0648% | 1,375 |
| Noninterest income to average assets | 0.4002% | 4,005 |
| Noninterest expense to average assets | 3.0407% | 2,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7236% | 3,672 |
| Return on assets (ROA) | 0.7236% | 3,809 |
| Pretax return on assets | 1.0043% | 3,481 |
| Return on Equity (ROE) | 4.2567% | 4,868 |
| Retained earnings to average equity (ytd only) | -4.1171% | 5,869 |
| Net charge-offs to loans | 0.0013% | 3,261 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1,270.0000% | 30 |
| Efficiency ratio | 74.1153% | 2,801 |
| Assets per employee ($millions) | 4.0740% | 3,813 |
| Cash dividends to net income (ytd only)* | 196.7213% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 3,160 |
| Loan loss allowance to noncurrent loans | 143.3670% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.5844% | 3,728 |
| Noncurrent loans to loans | 0.9389% | 2,900 |
| Net loans and leases to total assets | 57.6947% | 3,994 |
| Net loans and leases to deposits | 73.6215% | 3,362 |
| Net loans and leases to core deposits | 73.7638% | 3,802 |
| Total domestic deposits to total assets | 78.3667% | 5,376 |
| Equity capital to assets | 16.9941% | 427 |
| Core capital (leverage) ratio | 16.9973% | 356 |
| Tier 1 risk-based capital ratio | 23.2256% | 1,081 |
| Total risk-based capital ratio | 25.3774% | 965 |
| Memoranda: | ||
| Average total assets | $505,810,000 | 1,345 |
| Average earning assets | $453,556,500 | 1,383 |
| Average equity | $85,983,000 | 894 |
| Average total loans | $301,183,000 | 1,476 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3632% | 2,356 |
| Cost of funding earning assets | 0.4529% | 3,138 |
| Net interest margin | 3.9103% | 2,201 |
| Noninterest income to average assets | 0.8744% | 1,589 |
| Noninterest expense to average assets | 3.6082% | 1,290 |
| Loan and lease loss provision to assets | 0.0131% | 4,359 |
| Net operating income to assets | 0.5722% | 4,499 |
| Return on assets (ROA) | 0.5606% | 4,647 |
| Pretax return on assets | 0.7278% | 4,519 |
| Return on Equity (ROE) | 3.4702% | 5,301 |
| Retained earnings to average equity (ytd only) | 3.4702% | 3,741 |
| Net charge-offs to loans | 0.0475% | 3,877 |
| Credit loss provision to net charge-offs | 49.2647% | 3,500 |
| Earnings coverage of net charge-offs (x) | 28.4632% | 1,393 |
| Efficiency ratio | 81.6189% | 1,705 |
| Assets per employee ($millions) | 3.9253% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 3,446 |
| Loan loss allowance to noncurrent loans | 99.7242% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.8079% | 3,186 |
| Noncurrent loans to loans | 1.2996% | 2,277 |
| Net loans and leases to total assets | 59.8292% | 3,811 |
| Net loans and leases to deposits | 75.0795% | 3,302 |
| Net loans and leases to core deposits | 75.2834% | 3,790 |
| Total domestic deposits to total assets | 79.6878% | 5,098 |
| Equity capital to assets | 16.9524% | 422 |
| Core capital (leverage) ratio | 16.7249% | 394 |
| Tier 1 risk-based capital ratio | 23.0955% | 1,077 |
| Total risk-based capital ratio | 25.2179% | 939 |
| Memoranda: | ||
| Average total assets | $512,107,400 | 1,312 |
| Average earning assets | $457,026,600 | 1,344 |
| Average equity | $82,733,000 | 887 |
| Average total loans | $286,215,400 | 1,488 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4222% | 2,150 |
| Cost of funding earning assets | 0.4751% | 3,002 |
| Net interest margin | 3.9470% | 2,046 |
| Noninterest income to average assets | 0.9116% | 1,489 |
| Noninterest expense to average assets | 3.4120% | 1,636 |
| Loan and lease loss provision to assets | 0.0174% | 4,067 |
| Net operating income to assets | 0.7394% | 3,727 |
| Return on assets (ROA) | 0.7246% | 3,919 |
| Pretax return on assets | 0.9819% | 3,667 |
| Return on Equity (ROE) | 4.5405% | 4,944 |
| Retained earnings to average equity (ytd only) | 4.5405% | 3,413 |
| Net charge-offs to loans | 0.0413% | 3,674 |
| Credit loss provision to net charge-offs | 77.0115% | 2,653 |
| Earnings coverage of net charge-offs (x) | 45.1253% | 1,041 |
| Efficiency ratio | 75.9374% | 2,498 |
| Assets per employee ($millions) | 4.5190% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 3,144 |
| Loan loss allowance to noncurrent loans | 99.4812% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.7984% | 3,422 |
| Noncurrent loans to loans | 1.4120% | 2,304 |
| Net loans and leases to total assets | 55.3526% | 4,414 |
| Net loans and leases to deposits | 67.3012% | 4,209 |
| Net loans and leases to core deposits | 68.6941% | 4,445 |
| Total domestic deposits to total assets | 82.2460% | 4,400 |
| Equity capital to assets | 16.6162% | 478 |
| Core capital (leverage) ratio | 16.5095% | 421 |
| Tier 1 risk-based capital ratio | 24.5813% | 921 |
| Total risk-based capital ratio | 26.8399% | 808 |
| Memoranda: | ||
| Average total assets | $513,544,250 | 1,322 |
| Average earning assets | $457,955,500 | 1,351 |
| Average equity | $81,956,250 | 897 |
| Average total loans | $281,037,000 | 1,522 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3506% | 2,379 |
| Cost of funding earning assets | 0.4839% | 2,985 |
| Net interest margin | 3.8667% | 2,311 |
| Noninterest income to average assets | 0.7774% | 1,927 |
| Noninterest expense to average assets | 3.2734% | 1,983 |
| Loan and lease loss provision to assets | 0.0257% | 3,762 |
| Net operating income to assets | 0.6938% | 3,879 |
| Return on assets (ROA) | 0.6713% | 4,082 |
| Pretax return on assets | 0.8929% | 3,914 |
| Return on Equity (ROE) | 4.2647% | 5,034 |
| Retained earnings to average equity (ytd only) | 4.2647% | 3,461 |
| Net charge-offs to loans | 0.0459% | 3,323 |
| Credit loss provision to net charge-offs | 103.1250% | 1,929 |
| Earnings coverage of net charge-offs (x) | 38.1250% | 1,093 |
| Efficiency ratio | 76.4018% | 2,555 |
| Assets per employee ($millions) | 4.4402% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 3,146 |
| Loan loss allowance to noncurrent loans | 110.9923% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.7078% | 3,855 |
| Noncurrent loans to loans | 1.2981% | 2,639 |
| Net loans and leases to total assets | 53.3155% | 4,616 |
| Net loans and leases to deposits | 64.3833% | 4,460 |
| Net loans and leases to core deposits | 65.6906% | 4,666 |
| Total domestic deposits to total assets | 82.8095% | 4,378 |
| Equity capital to assets | 16.1248% | 531 |
| Core capital (leverage) ratio | 16.0083% | 477 |
| Tier 1 risk-based capital ratio | 24.7743% | 896 |
| Total risk-based capital ratio | 27.0635% | 776 |
| Memoranda: | ||
| Average total assets | $514,508,330 | 1,311 |
| Average earning assets | $458,327,670 | 1,338 |
| Average equity | $80,991,330 | 900 |
| Average total loans | $279,154,000 | 1,528 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5823% | 1,549 |
| Cost of funding earning assets | 0.5009% | 2,902 |
| Net interest margin | 4.0815% | 1,519 |
| Noninterest income to average assets | 0.7367% | 2,006 |
| Noninterest expense to average assets | 3.4070% | 1,688 |
| Loan and lease loss provision to assets | 0.0484% | 3,126 |
| Net operating income to assets | 0.6891% | 3,746 |
| Return on assets (ROA) | 0.7148% | 3,690 |
| Pretax return on assets | 0.9508% | 3,512 |
| Return on Equity (ROE) | 4.5979% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.5979% | 3,360 |
| Net charge-offs to loans | 0.0863% | 2,289 |
| Credit loss provision to net charge-offs | 103.3333% | 1,613 |
| Earnings coverage of net charge-offs (x) | 20.5833% | 1,327 |
| Efficiency ratio | 76.8227% | 2,670 |
| Assets per employee ($millions) | 4.5242% | 2,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 3,306 |
| Loan loss allowance to noncurrent loans | 124.1644% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.6494% | 4,181 |
| Noncurrent loans to loans | 1.1803% | 3,076 |
| Net loans and leases to total assets | 53.2511% | 4,518 |
| Net loans and leases to deposits | 64.2131% | 4,289 |
| Net loans and leases to core deposits | 66.1152% | 4,479 |
| Total domestic deposits to total assets | 82.9287% | 4,629 |
| Equity capital to assets | 15.8678% | 544 |
| Core capital (leverage) ratio | 16.0079% | 477 |
| Tier 1 risk-based capital ratio | 24.4923% | 937 |
| Total risk-based capital ratio | 26.7557% | 820 |
| Memoranda: | ||
| Average total assets | $512,008,000 | 1,320 |
| Average earning assets | $456,013,500 | 1,356 |
| Average equity | $79,602,000 | 920 |
| Average total loans | $278,217,000 | 1,541 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3058% | 519 |
| Cost of funding earning assets | 0.5255% | 3,341 |
| Net interest margin | 4.7803% | 448 |
| Noninterest income to average assets | 0.8778% | 1,761 |
| Noninterest expense to average assets | 3.2655% | 2,234 |
| Loan and lease loss provision to assets | 0.0399% | 4,322 |
| Net operating income to assets | 1.3093% | 1,227 |
| Return on assets (ROA) | 1.2312% | 1,511 |
| Pretax return on assets | 1.7008% | 951 |
| Return on Equity (ROE) | 7.9604% | 3,044 |
| Retained earnings to average equity (ytd only) | 6.1970% | 1,851 |
| Net charge-offs to loans | 0.0694% | 4,235 |
| Credit loss provision to net charge-offs | 104.5918% | 2,313 |
| Earnings coverage of net charge-offs (x) | 48.4337% | 817 |
| Efficiency ratio | 62.8123% | 5,089 |
| Assets per employee ($millions) | 4.0061% | 3,852 |
| Cash dividends to net income (ytd only)* | 22.1519% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 3,445 |
| Loan loss allowance to noncurrent loans | 115.5955% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.7543% | 3,997 |
| Noncurrent loans to loans | 1.2497% | 3,039 |
| Net loans and leases to total assets | 53.8436% | 4,597 |
| Net loans and leases to deposits | 64.4067% | 4,468 |
| Net loans and leases to core deposits | 66.4146% | 4,664 |
| Total domestic deposits to total assets | 83.5994% | 4,322 |
| Equity capital to assets | 15.2272% | 638 |
| Core capital (leverage) ratio | 15.6668% | 514 |
| Tier 1 risk-based capital ratio | 23.6364% | 999 |
| Total risk-based capital ratio | 25.8327% | 884 |
| Memoranda: | ||
| Average total assets | $513,333,000 | 1,293 |
| Average earning assets | $454,988,400 | 1,336 |
| Average equity | $79,392,800 | 898 |
| Average total loans | $282,357,800 | 1,500 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5033% | 373 |
| Cost of funding earning assets | 0.5276% | 3,491 |
| Net interest margin | 4.9757% | 333 |
| Noninterest income to average assets | 0.8888% | 1,796 |
| Noninterest expense to average assets | 3.2328% | 2,256 |
| Loan and lease loss provision to assets | 0.0428% | 4,154 |
| Net operating income to assets | 1.4447% | 995 |
| Return on assets (ROA) | 1.4019% | 1,146 |
| Pretax return on assets | 1.9566% | 638 |
| Return on Equity (ROE) | 9.0297% | 2,616 |
| Retained earnings to average equity (ytd only) | 9.0297% | 1,046 |
| Net charge-offs to loans | 0.0745% | 3,876 |
| Credit loss provision to net charge-offs | 104.4304% | 2,243 |
| Earnings coverage of net charge-offs (x) | 50.1839% | 864 |
| Efficiency ratio | 60.0765% | 5,425 |
| Assets per employee ($millions) | 4.0205% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4740% | 3,570 |
| Loan loss allowance to noncurrent loans | 103.0311% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.8342% | 4,030 |
| Noncurrent loans to loans | 1.4307% | 3,017 |
| Net loans and leases to total assets | 52.5380% | 4,814 |
| Net loans and leases to deposits | 63.0531% | 4,624 |
| Net loans and leases to core deposits | 65.0294% | 4,802 |
| Total domestic deposits to total assets | 83.3234% | 4,452 |
| Equity capital to assets | 15.4254% | 637 |
| Core capital (leverage) ratio | 15.7268% | 529 |
| Tier 1 risk-based capital ratio | 23.0091% | 1,146 |
| Total risk-based capital ratio | 25.1156% | 1,005 |
| Memoranda: | ||
| Average total assets | $513,470,000 | 1,302 |
| Average earning assets | $454,359,250 | 1,343 |
| Average equity | $79,720,250 | 905 |
| Average total loans | $282,910,000 | 1,503 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6153% | 310 |
| Cost of funding earning assets | 0.5256% | 3,647 |
| Net interest margin | 5.0897% | 264 |
| Noninterest income to average assets | 0.8942% | 1,827 |
| Noninterest expense to average assets | 3.2918% | 2,092 |
| Loan and lease loss provision to assets | 0.0600% | 3,807 |
| Net operating income to assets | 1.4783% | 935 |
| Return on assets (ROA) | 1.4843% | 996 |
| Pretax return on assets | 2.0878% | 507 |
| Return on Equity (ROE) | 9.5399% | 2,404 |
| Retained earnings to average equity (ytd only) | 9.5399% | 955 |
| Net charge-offs to loans | 0.1071% | 3,291 |
| Credit loss provision to net charge-offs | 100.6536% | 2,190 |
| Earnings coverage of net charge-offs (x) | 35.8693% | 1,010 |
| Efficiency ratio | 59.6067% | 5,525 |
| Assets per employee ($millions) | 3.8425% | 4,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4639% | 3,748 |
| Loan loss allowance to noncurrent loans | 80.8609% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 1.0414% | 3,671 |
| Noncurrent loans to loans | 1.8103% | 2,628 |
| Net loans and leases to total assets | 52.8016% | 4,768 |
| Net loans and leases to deposits | 64.4043% | 4,450 |
| Net loans and leases to core deposits | 66.4135% | 4,649 |
| Total domestic deposits to total assets | 81.9846% | 5,068 |
| Equity capital to assets | 15.1303% | 688 |
| Core capital (leverage) ratio | 15.4024% | 545 |
| Tier 1 risk-based capital ratio | 22.8887% | 1,153 |
| Total risk-based capital ratio | 25.0117% | 1,009 |
| Memoranda: | ||
| Average total assets | $513,087,330 | 1,303 |
| Average earning assets | $457,359,330 | 1,329 |
| Average equity | $79,833,000 | 908 |
| Average total loans | $285,741,670 | 1,482 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3349% | 110 |
| Cost of funding earning assets | 0.5348% | 3,728 |
| Net interest margin | 5.8000% | 97 |
| Noninterest income to average assets | 0.9020% | 1,755 |
| Noninterest expense to average assets | 3.3465% | 1,968 |
| Loan and lease loss provision to assets | 0.1195% | 2,731 |
| Net operating income to assets | 1.8197% | 467 |
| Return on assets (ROA) | 1.8197% | 517 |
| Pretax return on assets | 2.6022% | 231 |
| Return on Equity (ROE) | 11.5352% | 1,545 |
| Retained earnings to average equity (ytd only) | 11.5352% | 771 |
| Net charge-offs to loans | 0.2092% | 2,164 |
| Credit loss provision to net charge-offs | 100.6579% | 1,809 |
| Earnings coverage of net charge-offs (x) | 22.9276% | 1,124 |
| Efficiency ratio | 54.2342% | 6,208 |
| Assets per employee ($millions) | 3.9581% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 4,090 |
| Loan loss allowance to noncurrent loans | 101.9177% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.8569% | 4,238 |
| Noncurrent loans to loans | 1.4028% | 3,465 |
| Net loans and leases to total assets | 54.1173% | 4,395 |
| Net loans and leases to deposits | 65.3246% | 4,147 |
| Net loans and leases to core deposits | 67.4633% | 4,361 |
| Total domestic deposits to total assets | 82.8437% | 4,906 |
| Equity capital to assets | 15.8484% | 583 |
| Core capital (leverage) ratio | 15.3422% | 535 |
| Tier 1 risk-based capital ratio | 22.1680% | 1,300 |
| Total risk-based capital ratio | 24.2528% | 1,136 |
| Memoranda: | ||
| Average total assets | $512,181,500 | 1,316 |
| Average earning assets | $456,206,000 | 1,344 |
| Average equity | $80,796,500 | 908 |
| Average total loans | $290,655,500 | 1,452 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2797% | 179 |
| Cost of funding earning assets | 0.5933% | 4,412 |
| Net interest margin | 5.6864% | 134 |
| Noninterest income to average assets | 1.0120% | 1,497 |
| Noninterest expense to average assets | 3.3843% | 2,092 |
| Loan and lease loss provision to assets | 0.2221% | 2,910 |
| Net operating income to assets | 1.6895% | 632 |
| Return on assets (ROA) | 1.8881% | 489 |
| Pretax return on assets | 2.7308% | 188 |
| Return on Equity (ROE) | 12.9424% | 1,239 |
| Retained earnings to average equity (ytd only) | 12.9424% | 257 |
| Net charge-offs to loans | 0.1654% | 4,056 |
| Credit loss provision to net charge-offs | 219.5029% | 1,145 |
| Earnings coverage of net charge-offs (x) | 26.3403% | 1,103 |
| Efficiency ratio | 54.9664% | 6,177 |
| Assets per employee ($millions) | 3.9216% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 4,396 |
| Loan loss allowance to noncurrent loans | 96.4875% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.9300% | 4,180 |
| Noncurrent loans to loans | 1.4006% | 3,502 |
| Net loans and leases to total assets | 57.8199% | 4,010 |
| Net loans and leases to deposits | 69.7085% | 3,748 |
| Net loans and leases to core deposits | 72.1558% | 4,023 |
| Total domestic deposits to total assets | 82.9453% | 4,742 |
| Equity capital to assets | 15.7009% | 604 |
| Core capital (leverage) ratio | 15.0464% | 563 |
| Tier 1 risk-based capital ratio | 21.1360% | 1,426 |
| Total risk-based capital ratio | 23.1762% | 1,246 |
| Memoranda: | ||
| Average total assets | $516,914,200 | 1,294 |
| Average earning assets | $457,917,200 | 1,333 |
| Average equity | $75,411,000 | 939 |
| Average total loans | $316,275,600 | 1,328 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4314% | 153 |
| Cost of funding earning assets | 0.6074% | 4,574 |
| Net interest margin | 5.8240% | 115 |
| Noninterest income to average assets | 0.9804% | 1,560 |
| Noninterest expense to average assets | 3.2527% | 2,414 |
| Loan and lease loss provision to assets | 0.2483% | 2,579 |
| Net operating income to assets | 1.8219% | 542 |
| Return on assets (ROA) | 2.0083% | 431 |
| Pretax return on assets | 2.9037% | 173 |
| Return on Equity (ROE) | 14.0293% | 1,106 |
| Retained earnings to average equity (ytd only) | 14.0293% | 298 |
| Net charge-offs to loans | 0.1430% | 3,968 |
| Credit loss provision to net charge-offs | 280.8140% | 967 |
| Earnings coverage of net charge-offs (x) | 32.5898% | 1,023 |
| Efficiency ratio | 52.0511% | 6,445 |
| Assets per employee ($millions) | 3.8566% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 4,666 |
| Loan loss allowance to noncurrent loans | 91.4344% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.0415% | 4,218 |
| Noncurrent loans to loans | 1.4563% | 3,617 |
| Net loans and leases to total assets | 59.1802% | 3,937 |
| Net loans and leases to deposits | 71.4243% | 3,685 |
| Net loans and leases to core deposits | 74.1308% | 3,963 |
| Total domestic deposits to total assets | 82.8572% | 4,697 |
| Equity capital to assets | 15.7083% | 661 |
| Core capital (leverage) ratio | 14.8138% | 642 |
| Tier 1 risk-based capital ratio | 20.4130% | 1,651 |
| Total risk-based capital ratio | 22.4208% | 1,453 |
| Memoranda: | ||
| Average total assets | $518,689,750 | 1,307 |
| Average earning assets | $459,029,250 | 1,347 |
| Average equity | $74,252,500 | 959 |
| Average total loans | $320,641,750 | 1,323 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2769% | 193 |
| Cost of funding earning assets | 0.6195% | 4,726 |
| Net interest margin | 5.6574% | 143 |
| Noninterest income to average assets | 0.8754% | 1,878 |
| Noninterest expense to average assets | 3.4512% | 1,905 |
| Loan and lease loss provision to assets | 0.0852% | 4,522 |
| Net operating income to assets | 1.6204% | 808 |
| Return on assets (ROA) | 1.8976% | 526 |
| Pretax return on assets | 2.7470% | 207 |
| Return on Equity (ROE) | 13.6844% | 1,190 |
| Retained earnings to average equity (ytd only) | 13.6844% | 371 |
| Net charge-offs to loans | 0.1231% | 3,942 |
| Credit loss provision to net charge-offs | 110.9453% | 2,451 |
| Earnings coverage of net charge-offs (x) | 31.6318% | 1,036 |
| Efficiency ratio | 57.6563% | 5,911 |
| Assets per employee ($millions) | 3.9364% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 5,777 |
| Loan loss allowance to noncurrent loans | 78.0327% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 0.9760% | 4,421 |
| Noncurrent loans to loans | 1.4082% | 3,804 |
| Net loans and leases to total assets | 59.9514% | 3,828 |
| Net loans and leases to deposits | 71.3226% | 3,718 |
| Net loans and leases to core deposits | 74.8345% | 3,914 |
| Total domestic deposits to total assets | 84.0567% | 4,300 |
| Equity capital to assets | 14.5793% | 897 |
| Core capital (leverage) ratio | 13.8852% | 836 |
| Tier 1 risk-based capital ratio | 19.1445% | 1,927 |
| Total risk-based capital ratio | 20.9319% | 1,758 |
| Memoranda: | ||
| Average total assets | $523,181,000 | 1,296 |
| Average earning assets | $462,966,330 | 1,334 |
| Average equity | $72,549,670 | 969 |
| Average total loans | $326,514,670 | 1,299 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3605% | 191 |
| Cost of funding earning assets | 0.6272% | 4,920 |
| Net interest margin | 5.7333% | 133 |
| Noninterest income to average assets | 0.8745% | 1,853 |
| Noninterest expense to average assets | 3.5420% | 1,678 |
| Loan and lease loss provision to assets | 0.1237% | 3,797 |
| Net operating income to assets | 1.5751% | 904 |
| Return on assets (ROA) | 1.9873% | 491 |
| Pretax return on assets | 2.8854% | 207 |
| Return on Equity (ROE) | 14.7008% | 1,040 |
| Retained earnings to average equity (ytd only) | 14.7008% | 484 |
| Net charge-offs to loans | 0.1691% | 3,074 |
| Credit loss provision to net charge-offs | 115.6028% | 2,039 |
| Earnings coverage of net charge-offs (x) | 22.5319% | 1,124 |
| Efficiency ratio | 59.4925% | 5,696 |
| Assets per employee ($millions) | 4.0049% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 6,025 |
| Loan loss allowance to noncurrent loans | 62.8891% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 1.2469% | 4,056 |
| Noncurrent loans to loans | 1.6926% | 3,570 |
| Net loans and leases to total assets | 61.3229% | 3,389 |
| Net loans and leases to deposits | 72.7125% | 3,317 |
| Net loans and leases to core deposits | 76.6553% | 3,532 |
| Total domestic deposits to total assets | 84.3362% | 4,352 |
| Equity capital to assets | 13.8722% | 1,063 |
| Core capital (leverage) ratio | 13.1287% | 1,078 |
| Tier 1 risk-based capital ratio | 18.0202% | 2,281 |
| Total risk-based capital ratio | 19.7620% | 2,114 |
| Memoranda: | ||
| Average total assets | $526,936,000 | 1,285 |
| Average earning assets | $466,820,000 | 1,334 |
| Average equity | $71,234,000 | 981 |
| Average total loans | $333,478,500 | 1,274 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4092% | 210 |
| Cost of funding earning assets | 0.7310% | 5,331 |
| Net interest margin | 5.6782% | 133 |
| Noninterest income to average assets | 0.9962% | 1,377 |
| Noninterest expense to average assets | 3.9222% | 1,153 |
| Loan and lease loss provision to assets | 0.7242% | 1,406 |
| Net operating income to assets | 0.9719% | 2,315 |
| Return on assets (ROA) | 1.3184% | 1,295 |
| Pretax return on assets | 1.8945% | 671 |
| Return on Equity (ROE) | 9.9769% | 2,067 |
| Retained earnings to average equity (ytd only) | 9.9769% | 574 |
| Net charge-offs to loans | 0.1024% | 5,332 |
| Credit loss provision to net charge-offs | 1,086.8313% | 207 |
| Earnings coverage of net charge-offs (x) | 31.8724% | 808 |
| Efficiency ratio | 64.8737% | 4,969 |
| Assets per employee ($millions) | 3.9499% | 3,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 6,264 |
| Loan loss allowance to noncurrent loans | 57.9162% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 1.2426% | 4,153 |
| Noncurrent loans to loans | 1.7118% | 3,594 |
| Net loans and leases to total assets | 63.9191% | 3,205 |
| Net loans and leases to deposits | 74.9287% | 3,354 |
| Net loans and leases to core deposits | 79.0442% | 3,569 |
| Total domestic deposits to total assets | 85.3066% | 3,686 |
| Equity capital to assets | 13.1732% | 1,407 |
| Core capital (leverage) ratio | 12.2362% | 1,471 |
| Tier 1 risk-based capital ratio | 16.2851% | 2,914 |
| Total risk-based capital ratio | 17.9094% | 2,711 |
| Memoranda: | ||
| Average total assets | $364,689,000 | 1,777 |
| Average earning assets | $324,328,200 | 1,820 |
| Average equity | $48,191,200 | 1,416 |
| Average total loans | $237,303,800 | 1,768 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3095% | 262 |
| Cost of funding earning assets | 0.7283% | 5,607 |
| Net interest margin | 5.5812% | 158 |
| Noninterest income to average assets | 0.9726% | 1,411 |
| Noninterest expense to average assets | 3.7463% | 1,405 |
| Loan and lease loss provision to assets | 0.5667% | 1,732 |
| Net operating income to assets | 1.0994% | 1,971 |
| Return on assets (ROA) | 1.2979% | 1,474 |
| Pretax return on assets | 1.9325% | 724 |
| Return on Equity (ROE) | 9.8096% | 2,269 |
| Retained earnings to average equity (ytd only) | 9.8096% | 898 |
| Net charge-offs to loans | 0.0975% | 5,009 |
| Credit loss provision to net charge-offs | 890.2597% | 309 |
| Earnings coverage of net charge-offs (x) | 34.6036% | 844 |
| Efficiency ratio | 62.9725% | 5,241 |
| Assets per employee ($millions) | 3.7272% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6352% | 7,042 |
| Loan loss allowance to noncurrent loans | 27.7026% | 6,370 |
| Noncurrent assets plus other real estate owned to assets | 1.5880% | 3,706 |
| Noncurrent loans to loans | 2.2928% | 3,004 |
| Net loans and leases to total assets | 65.0583% | 3,095 |
| Net loans and leases to deposits | 75.7655% | 3,364 |
| Net loans and leases to core deposits | 80.4419% | 3,571 |
| Total domestic deposits to total assets | 85.8680% | 3,291 |
| Equity capital to assets | 12.8555% | 1,681 |
| Core capital (leverage) ratio | 11.7254% | 1,874 |
| Tier 1 risk-based capital ratio | 15.4022% | 3,433 |
| Total risk-based capital ratio | 16.6908% | 3,389 |
| Memoranda: | ||
| Average total assets | $322,553,000 | 2,000 |
| Average earning assets | $287,603,500 | 2,047 |
| Average equity | $42,678,000 | 1,580 |
| Average total loans | $210,567,000 | 1,967 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4111% | 1,529 |
| Cost of funding earning assets | 0.7415% | 5,724 |
| Net interest margin | 4.6696% | 782 |
| Noninterest income to average assets | 0.7772% | 2,123 |
| Noninterest expense to average assets | 3.6295% | 1,677 |
| Loan and lease loss provision to assets | 0.1155% | 4,842 |
| Net operating income to assets | 0.6865% | 3,623 |
| Return on assets (ROA) | 0.7405% | 3,457 |
| Pretax return on assets | 1.3186% | 2,081 |
| Return on Equity (ROE) | 5.4859% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.4859% | 2,695 |
| Net charge-offs to loans | 0.1992% | 3,952 |
| Credit loss provision to net charge-offs | 88.9571% | 3,488 |
| Earnings coverage of net charge-offs (x) | 10.3988% | 1,815 |
| Efficiency ratio | 71.9814% | 3,737 |
| Assets per employee ($millions) | 3.6919% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2783% | 7,360 |
| Loan loss allowance to noncurrent loans | 19.3561% | 6,738 |
| Noncurrent assets plus other real estate owned to assets | 0.9292% | 5,005 |
| Noncurrent loans to loans | 1.4378% | 4,258 |
| Net loans and leases to total assets | 64.1477% | 3,430 |
| Net loans and leases to deposits | 75.2829% | 3,598 |
| Net loans and leases to core deposits | 79.8157% | 3,808 |
| Total domestic deposits to total assets | 85.2089% | 3,779 |
| Equity capital to assets | 11.6570% | 2,358 |
| Core capital (leverage) ratio | 11.0357% | 2,219 |
| Tier 1 risk-based capital ratio | 14.2239% | 3,996 |
| Total risk-based capital ratio | 15.1571% | 4,202 |
| Memoranda: | ||
| Average total assets | $251,167,000 | 2,535 |
| Average earning assets | $226,015,330 | 2,568 |
| Average equity | $33,905,000 | 1,963 |
| Average total loans | $163,620,330 | 2,483 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5121% | 1,263 |
| Cost of funding earning assets | 1.0397% | 3,917 |
| Net interest margin | 4.4724% | 1,127 |
| Noninterest income to average assets | 0.6407% | 2,894 |
| Noninterest expense to average assets | 3.0241% | 3,539 |
| Loan and lease loss provision to assets | 0.2081% | 3,558 |
| Net operating income to assets | 0.9395% | 2,402 |
| Return on assets (ROA) | 1.1223% | 1,807 |
| Pretax return on assets | 1.9426% | 619 |
| Return on Equity (ROE) | 5.9897% | 3,906 |
| Retained earnings to average equity (ytd only) | 5.9897% | 2,645 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8531% | 5,706 |
| Assets per employee ($millions) | 4.2440% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 4,083 |
| Loan loss allowance to noncurrent loans | 99.2551% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 1.1003% | 4,721 |
| Noncurrent loans to loans | 1.5369% | 4,163 |
| Net loans and leases to total assets | 70.4968% | 2,035 |
| Net loans and leases to deposits | 89.4909% | 1,295 |
| Net loans and leases to core deposits | 92.9818% | 2,013 |
| Total domestic deposits to total assets | 78.7754% | 6,241 |
| Equity capital to assets | 18.8120% | 316 |
| Core capital (leverage) ratio | 18.7008% | 287 |
| Tier 1 risk-based capital ratio | 27.6432% | 655 |
| Total risk-based capital ratio | 28.8296% | 645 |
| Memoranda: | ||
| Average total assets | $98,012,500 | 5,055 |
| Average earning assets | $93,103,500 | 4,940 |
| Average equity | $18,365,000 | 3,347 |
| Average total loans | $66,127,500 | 4,759 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3842% | 2,751 |
| Cost of funding earning assets | 1.4064% | 3,217 |
| Net interest margin | 3.9777% | 3,115 |
| Noninterest income to average assets | 0.6392% | 3,215 |
| Noninterest expense to average assets | 2.8635% | 4,365 |
| Loan and lease loss provision to assets | 0.1539% | 5,666 |
| Net operating income to assets | 0.8238% | 2,698 |
| Return on assets (ROA) | 0.8976% | 2,530 |
| Pretax return on assets | 1.4559% | 1,494 |
| Return on Equity (ROE) | 5.0608% | 4,043 |
| Retained earnings to average equity (ytd only) | 5.0608% | 2,374 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7085% | 5,024 |
| Assets per employee ($millions) | 4.1005% | 3,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6257% | 3,485 |
| Loan loss allowance to noncurrent loans | 88.5590% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 1.1635% | 4,683 |
| Noncurrent loans to loans | 1.8357% | 3,773 |
| Net loans and leases to total assets | 62.3511% | 4,214 |
| Net loans and leases to deposits | 77.5259% | 3,587 |
| Net loans and leases to core deposits | 80.4471% | 4,146 |
| Total domestic deposits to total assets | 80.4262% | 5,715 |
| Equity capital to assets | 18.6634% | 339 |
| Core capital (leverage) ratio | 18.3200% | 314 |
| Tier 1 risk-based capital ratio | 31.6019% | 444 |
| Total risk-based capital ratio | 32.7795% | 437 |
| Memoranda: | ||
| Average total assets | $101,377,800 | 4,944 |
| Average earning assets | $94,778,000 | 4,868 |
| Average equity | $17,981,200 | 3,427 |
| Average total loans | $63,211,800 | 4,944 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2950% | 3,378 |
| Cost of funding earning assets | 1.4783% | 3,100 |
| Net interest margin | 3.8167% | 3,897 |
| Noninterest income to average assets | 0.5771% | 3,598 |
| Noninterest expense to average assets | 2.8280% | 4,360 |
| Loan and lease loss provision to assets | 0.1932% | 5,107 |
| Net operating income to assets | 0.7065% | 3,381 |
| Return on assets (ROA) | 0.8043% | 3,135 |
| Pretax return on assets | 1.2717% | 2,255 |
| Return on Equity (ROE) | 4.5922% | 4,504 |
| Retained earnings to average equity (ytd only) | 4.5922% | 3,268 |
| Net charge-offs to loans | 0.1997% | 4,749 |
| Credit loss provision to net charge-offs | 155.7895% | 2,462 |
| Earnings coverage of net charge-offs (x) | 10.5793% | 1,872 |
| Efficiency ratio | 68.3065% | 4,405 |
| Assets per employee ($millions) | 4.3079% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 4,475 |
| Loan loss allowance to noncurrent loans | 72.3016% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.2187% | 4,714 |
| Noncurrent loans to loans | 1.9332% | 3,767 |
| Net loans and leases to total assets | 62.1604% | 4,494 |
| Net loans and leases to deposits | 76.6041% | 4,069 |
| Net loans and leases to core deposits | 79.3136% | 4,615 |
| Total domestic deposits to total assets | 81.1450% | 5,321 |
| Equity capital to assets | 17.9149% | 418 |
| Core capital (leverage) ratio | 17.2297% | 410 |
| Tier 1 risk-based capital ratio | 30.0150% | 514 |
| Total risk-based capital ratio | 31.1914% | 506 |
| Memoranda: | ||
| Average total assets | $102,119,250 | 4,985 |
| Average earning assets | $95,332,250 | 4,918 |
| Average equity | $17,884,750 | 3,486 |
| Average total loans | $63,421,000 | 5,006 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2998% | 3,473 |
| Cost of funding earning assets | 1.5599% | 2,906 |
| Net interest margin | 3.7399% | 4,184 |
| Noninterest income to average assets | 0.6057% | 3,299 |
| Noninterest expense to average assets | 2.8497% | 4,266 |
| Loan and lease loss provision to assets | 0.1672% | 5,207 |
| Net operating income to assets | 0.6628% | 3,569 |
| Return on assets (ROA) | 0.6628% | 3,717 |
| Pretax return on assets | 1.0640% | 2,890 |
| Return on Equity (ROE) | 3.8139% | 4,873 |
| Retained earnings to average equity (ytd only) | 3.8139% | 3,666 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8313% | 4,218 |
| Assets per employee ($millions) | 4.3184% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4837% | 4,003 |
| Loan loss allowance to noncurrent loans | 73.3852% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.2398% | 4,667 |
| Noncurrent loans to loans | 2.0217% | 3,691 |
| Net loans and leases to total assets | 60.4157% | 4,984 |
| Net loans and leases to deposits | 73.6200% | 4,736 |
| Net loans and leases to core deposits | 75.2497% | 5,289 |
| Total domestic deposits to total assets | 82.0642% | 4,956 |
| Equity capital to assets | 17.3308% | 484 |
| Core capital (leverage) ratio | 16.8685% | 457 |
| Tier 1 risk-based capital ratio | 28.8051% | 579 |
| Total risk-based capital ratio | 29.9839% | 573 |
| Memoranda: | ||
| Average total assets | $101,696,000 | 5,031 |
| Average earning assets | $94,494,330 | 4,973 |
| Average equity | $17,672,330 | 3,517 |
| Average total loans | $62,835,330 | 5,066 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3879% | 3,097 |
| Cost of funding earning assets | 1.6064% | 2,925 |
| Net interest margin | 3.7815% | 3,872 |
| Noninterest income to average assets | 0.6076% | 3,229 |
| Noninterest expense to average assets | 2.9189% | 3,986 |
| Loan and lease loss provision to assets | 0.2303% | 4,201 |
| Net operating income to assets | 0.5560% | 4,104 |
| Return on assets (ROA) | 0.5560% | 4,247 |
| Pretax return on assets | 0.9174% | 3,404 |
| Return on Equity (ROE) | 3.1950% | 5,254 |
| Retained earnings to average equity (ytd only) | 3.1950% | 4,229 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7773% | 3,967 |
| Assets per employee ($millions) | 4.2820% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4646% | 4,106 |
| Loan loss allowance to noncurrent loans | 113.2262% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.7872% | 5,576 |
| Noncurrent loans to loans | 1.2935% | 4,817 |
| Net loans and leases to total assets | 59.9667% | 5,125 |
| Net loans and leases to deposits | 72.9310% | 4,920 |
| Net loans and leases to core deposits | 74.7807% | 5,419 |
| Total domestic deposits to total assets | 82.2239% | 4,968 |
| Equity capital to assets | 17.0239% | 532 |
| Core capital (leverage) ratio | 16.7755% | 473 |
| Tier 1 risk-based capital ratio | 30.8653% | 481 |
| Total risk-based capital ratio | 32.0383% | 476 |
| Memoranda: | ||
| Average total assets | $100,723,000 | 5,123 |
| Average earning assets | $92,132,000 | 5,100 |
| Average equity | $17,527,500 | 3,563 |
| Average total loans | $62,473,500 | 5,153 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4565% | 4,406 |
| Cost of funding earning assets | 2.2293% | 1,903 |
| Net interest margin | 3.2273% | 6,006 |
| Noninterest income to average assets | 0.7804% | 2,507 |
| Noninterest expense to average assets | 2.9659% | 4,276 |
| Loan and lease loss provision to assets | 0.2433% | 5,438 |
| Net operating income to assets | 0.5089% | 3,696 |
| Return on assets (ROA) | 0.6144% | 3,345 |
| Pretax return on assets | 0.7175% | 3,514 |
| Return on Equity (ROE) | 3.4730% | 4,300 |
| Retained earnings to average equity (ytd only) | 3.4730% | 2,739 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9404% | 3,203 |
| Assets per employee ($millions) | 4.2904% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 4,367 |
| Loan loss allowance to noncurrent loans | 635.5556% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 7,139 |
| Noncurrent loans to loans | 0.2163% | 6,886 |
| Net loans and leases to total assets | 62.3709% | 4,915 |
| Net loans and leases to deposits | 80.1268% | 3,964 |
| Net loans and leases to core deposits | 84.5821% | 5,666 |
| Total domestic deposits to total assets | 77.8403% | 6,259 |
| Equity capital to assets | 17.7951% | 463 |
| Core capital (leverage) ratio | 17.3687% | 449 |
| Tier 1 risk-based capital ratio | 30.9662% | 476 |
| Total risk-based capital ratio | 32.1382% | 476 |
| Memoranda: | ||
| Average total assets | $97,003,400 | 5,169 |
| Average earning assets | $90,882,000 | 5,094 |
| Average equity | $17,160,800 | 3,644 |
| Average total loans | $58,696,800 | 5,306 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3549% | 5,151 |
| Cost of funding earning assets | 2.3764% | 1,716 |
| Net interest margin | 2.9786% | 6,665 |
| Noninterest income to average assets | 0.7247% | 2,852 |
| Noninterest expense to average assets | 2.9169% | 4,377 |
| Loan and lease loss provision to assets | 0.2733% | 4,782 |
| Net operating income to assets | 0.2787% | 4,868 |
| Return on assets (ROA) | 0.4072% | 4,472 |
| Pretax return on assets | 0.4680% | 4,622 |
| Return on Equity (ROE) | 2.3054% | 5,058 |
| Retained earnings to average equity (ytd only) | 2.3054% | 4,033 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0515% | 2,424 |
| Assets per employee ($millions) | 4.6555% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 4,585 |
| Loan loss allowance to noncurrent loans | 607.4074% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 7,215 |
| Noncurrent loans to loans | 0.2119% | 6,966 |
| Net loans and leases to total assets | 61.4161% | 5,345 |
| Net loans and leases to deposits | 79.0566% | 4,554 |
| Net loans and leases to core deposits | 83.3285% | 6,087 |
| Total domestic deposits to total assets | 77.6862% | 6,175 |
| Equity capital to assets | 17.0727% | 623 |
| Core capital (leverage) ratio | 16.4215% | 622 |
| Tier 1 risk-based capital ratio | 29.7114% | 586 |
| Total risk-based capital ratio | 30.8847% | 579 |
| Memoranda: | ||
| Average total assets | $96,584,500 | 5,228 |
| Average earning assets | $90,332,000 | 5,151 |
| Average equity | $17,061,000 | 3,691 |
| Average total loans | $57,769,750 | 5,392 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5297% | 4,446 |
| Cost of funding earning assets | 2.5184% | 1,550 |
| Net interest margin | 3.0112% | 6,520 |
| Noninterest income to average assets | 0.6403% | 3,416 |
| Noninterest expense to average assets | 2.9438% | 4,318 |
| Loan and lease loss provision to assets | 0.2008% | 5,049 |
| Net operating income to assets | 0.2820% | 4,977 |
| Return on assets (ROA) | 0.4945% | 4,232 |
| Pretax return on assets | 0.5241% | 4,540 |
| Return on Equity (ROE) | 2.7661% | 4,991 |
| Retained earnings to average equity (ytd only) | 2.7661% | 3,789 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4512% | 2,298 |
| Assets per employee ($millions) | 4.3920% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 4,077 |
| Loan loss allowance to noncurrent loans | 335.5140% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 6,949 |
| Noncurrent loans to loans | 0.3976% | 6,517 |
| Net loans and leases to total assets | 54.9600% | 6,339 |
| Net loans and leases to deposits | 69.6181% | 6,028 |
| Net loans and leases to core deposits | 73.9106% | 6,797 |
| Total domestic deposits to total assets | 78.9450% | 5,828 |
| Equity capital to assets | 17.7380% | 576 |
| Core capital (leverage) ratio | 17.2998% | 577 |
| Tier 1 risk-based capital ratio | 31.6061% | 514 |
| Total risk-based capital ratio | 32.7713% | 507 |
| Memoranda: | ||
| Average total assets | $94,639,000 | 5,321 |
| Average earning assets | $88,070,670 | 5,260 |
| Average equity | $16,919,330 | 3,727 |
| Average total loans | $55,785,330 | 5,517 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5879% | 4,433 |
| Cost of funding earning assets | 2.6401% | 1,448 |
| Net interest margin | 2.9478% | 6,621 |
| Noninterest income to average assets | 0.2734% | 6,243 |
| Noninterest expense to average assets | 2.8063% | 4,535 |
| Loan and lease loss provision to assets | 0.2947% | 3,588 |
| Net operating income to assets | -0.0797% | 6,379 |
| Return on assets (ROA) | 0.3545% | 5,233 |
| Pretax return on assets | 0.3716% | 5,476 |
| Return on Equity (ROE) | 1.9751% | 5,783 |
| Retained earnings to average equity (ytd only) | 1.9751% | 4,759 |
| Net charge-offs to loans | 0.7117% | 1,764 |
| Credit loss provision to net charge-offs | 68.3168% | 4,382 |
| Earnings coverage of net charge-offs (x) | 0.4851% | 4,597 |
| Efficiency ratio | 93.0595% | 1,494 |
| Assets per employee ($millions) | 4.0560% | 3,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 5,889 |
| Loan loss allowance to noncurrent loans | 556.6038% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 7,249 |
| Noncurrent loans to loans | 0.1862% | 6,999 |
| Net loans and leases to total assets | 60.4037% | 5,589 |
| Net loans and leases to deposits | 77.3720% | 5,031 |
| Net loans and leases to core deposits | 81.1550% | 6,302 |
| Total domestic deposits to total assets | 78.0692% | 5,990 |
| Equity capital to assets | 18.1736% | 588 |
| Core capital (leverage) ratio | 17.7513% | 584 |
| Tier 1 risk-based capital ratio | 35.0853% | 432 |
| Total risk-based capital ratio | 36.2395% | 427 |
| Memoranda: | ||
| Average total assets | $93,647,000 | 5,383 |
| Average earning assets | $87,116,500 | 5,316 |
| Average equity | $16,809,500 | 3,766 |
| Average total loans | $56,767,000 | 5,516 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6386% | 6,966 |
| Cost of funding earning assets | 3.0273% | 1,771 |
| Net interest margin | 2.6113% | 7,630 |
| Noninterest income to average assets | 0.4734% | 4,848 |
| Noninterest expense to average assets | 2.8161% | 4,754 |
| Loan and lease loss provision to assets | 0.1381% | 5,591 |
| Net operating income to assets | -0.0190% | 6,401 |
| Return on assets (ROA) | 0.3933% | 4,993 |
| Pretax return on assets | 0.3933% | 5,275 |
| Return on Equity (ROE) | 2.3419% | 5,482 |
| Retained earnings to average equity (ytd only) | 2.3419% | 3,743 |
| Net charge-offs to loans | 0.0037% | 6,949 |
| Credit loss provision to net charge-offs | 6,550.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 56.5000% | 699 |
| Efficiency ratio | 95.7256% | 1,176 |
| Assets per employee ($millions) | 4.2730% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 5,282 |
| Loan loss allowance to noncurrent loans | 587.7358% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 7,128 |
| Noncurrent loans to loans | 0.1873% | 6,829 |
| Net loans and leases to total assets | 59.5404% | 5,975 |
| Net loans and leases to deposits | 79.0104% | 5,194 |
| Net loans and leases to core deposits | 86.4377% | 6,107 |
| Total domestic deposits to total assets | 75.3577% | 6,377 |
| Equity capital to assets | 17.7278% | 689 |
| Core capital (leverage) ratio | 17.4882% | 648 |
| Tier 1 risk-based capital ratio | 33.8755% | 482 |
| Total risk-based capital ratio | 35.0307% | 477 |
| Memoranda: | ||
| Average total assets | $94,846,600 | 5,205 |
| Average earning assets | $89,418,800 | 5,104 |
| Average equity | $15,927,200 | 3,943 |
| Average total loans | $53,971,400 | 5,528 |