Home > Union State Bank > Performance and Condition Ratios
Union State Bank, Performance and Condition Ratios
| 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 | 3.8552% | 4,311 |
| Cost of funding earning assets | 0.4941% | 3,237 |
| Net interest margin | 3.3611% | 4,134 |
| Noninterest income to average assets | 0.4304% | 3,282 |
| Noninterest expense to average assets | 2.6338% | 3,188 |
| Loan and lease loss provision to assets | 0.1236% | 1,628 |
| Net operating income to assets | 0.5924% | 4,522 |
| Return on assets (ROA) | 0.5526% | 4,647 |
| Pretax return on assets | 0.6865% | 4,565 |
| Return on Equity (ROE) | 5.0056% | 4,560 |
| Retained earnings to average equity (ytd only) | -26.7293% | 5,450 |
| Net charge-offs to loans | 0.0293% | 2,508 |
| Credit loss provision to net charge-offs | 809.0909% | 483 |
| Earnings coverage of net charge-offs (x) | 56.2738% | 1,098 |
| Efficiency ratio | 72.5805% | 1,797 |
| Assets per employee ($millions) | 5.6305% | 1,791 |
| Cash dividends to net income (ytd only)* | 633.9877% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1573% | 5,404 |
| Loan loss allowance to noncurrent loans | 6.4784% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 1.3019% | 1,046 |
| Noncurrent loans to loans | 2.4282% | 548 |
| Net loans and leases to total assets | 52.9668% | 4,425 |
| Net loans and leases to deposits | 60.7417% | 4,512 |
| Net loans and leases to core deposits | 64.8578% | 4,467 |
| Total domestic deposits to total assets | 87.2000% | 1,640 |
| Equity capital to assets | 10.1676% | 3,479 |
| Core capital (leverage) ratio | 8.2063% | 5,248 |
| Tier 1 risk-based capital ratio | 13.6513% | 3,548 |
| Total risk-based capital ratio | 13.7878% | 4,073 |
| Memoranda: | ||
| Average total assets | $479,898,750 | 1,461 |
| Average earning assets | $437,391,500 | 1,489 |
| Average equity | $52,979,250 | 1,452 |
| Average total loans | $249,993,000 | 1,827 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7343% | 4,506 |
| Cost of funding earning assets | 0.4766% | 3,181 |
| Net interest margin | 3.2576% | 4,365 |
| Noninterest income to average assets | 0.4375% | 3,236 |
| Noninterest expense to average assets | 2.5537% | 3,463 |
| Loan and lease loss provision to assets | 0.0971% | 1,993 |
| Net operating income to assets | 0.6148% | 4,447 |
| Return on assets (ROA) | 0.5549% | 4,621 |
| Pretax return on assets | 0.6891% | 4,542 |
| Return on Equity (ROE) | 4.9014% | 4,578 |
| Retained earnings to average equity (ytd only) | 4.5000% | 3,341 |
| Net charge-offs to loans | 0.0383% | 2,083 |
| Credit loss provision to net charge-offs | 489.5833% | 721 |
| Earnings coverage of net charge-offs (x) | 43.3750% | 1,237 |
| Efficiency ratio | 72.6613% | 1,892 |
| Assets per employee ($millions) | 5.6717% | 1,739 |
| Cash dividends to net income (ytd only)* | 8.1906% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0742% | 5,481 |
| Loan loss allowance to noncurrent loans | 29.1277% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 0.1431% | 4,273 |
| Noncurrent loans to loans | 0.2548% | 3,787 |
| Net loans and leases to total assets | 51.0303% | 4,543 |
| Net loans and leases to deposits | 60.2499% | 4,517 |
| Net loans and leases to core deposits | 64.8429% | 4,436 |
| Total domestic deposits to total assets | 84.6978% | 2,796 |
| Equity capital to assets | 12.1794% | 1,731 |
| Core capital (leverage) ratio | 10.4658% | 3,070 |
| Tier 1 risk-based capital ratio | 17.7754% | 1,864 |
| Total risk-based capital ratio | 17.8410% | 2,174 |
| Memoranda: | ||
| Average total assets | $484,088,670 | 1,457 |
| Average earning assets | $442,282,670 | 1,479 |
| Average equity | $54,800,330 | 1,426 |
| Average total loans | $250,684,330 | 1,833 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5355% | 4,816 |
| Cost of funding earning assets | 0.4538% | 3,177 |
| Net interest margin | 3.0817% | 4,740 |
| Noninterest income to average assets | 0.4739% | 2,971 |
| Noninterest expense to average assets | 2.5565% | 3,472 |
| Loan and lease loss provision to assets | 0.0209% | 3,260 |
| Net operating income to assets | 0.5535% | 4,563 |
| Return on assets (ROA) | 0.4355% | 4,860 |
| Pretax return on assets | 0.5690% | 4,755 |
| Return on Equity (ROE) | 4.0037% | 4,762 |
| Retained earnings to average equity (ytd only) | 3.1600% | 3,941 |
| Net charge-offs to loans | 0.0400% | 1,734 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 35.4400% | 1,136 |
| Efficiency ratio | 77.5696% | 1,398 |
| Assets per employee ($millions) | 5.3973% | 2,037 |
| Cash dividends to net income (ytd only)* | 21.0728% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,559 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 4,858 |
| Noncurrent loans to loans | 0.0973% | 4,536 |
| Net loans and leases to total assets | 49.6630% | 4,584 |
| Net loans and leases to deposits | 58.1886% | 4,574 |
| Net loans and leases to core deposits | 66.7938% | 4,266 |
| Total domestic deposits to total assets | 85.3482% | 2,809 |
| Equity capital to assets | 12.0160% | 1,772 |
| Core capital (leverage) ratio | 10.3568% | 3,110 |
| Tier 1 risk-based capital ratio | 17.8023% | 1,891 |
| Total risk-based capital ratio | 17.8023% | 2,203 |
| Memoranda: | ||
| Average total assets | $479,414,000 | 1,473 |
| Average earning assets | $438,973,000 | 1,501 |
| Average equity | $52,151,500 | 1,478 |
| Average total loans | $250,031,500 | 1,849 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7003% | 4,336 |
| Cost of funding earning assets | 0.4676% | 2,622 |
| Net interest margin | 3.2327% | 4,353 |
| Noninterest income to average assets | 0.5539% | 2,694 |
| Noninterest expense to average assets | 2.7367% | 3,010 |
| Loan and lease loss provision to assets | 0.0576% | 3,078 |
| Net operating income to assets | 0.7776% | 3,260 |
| Return on assets (ROA) | 0.7774% | 3,301 |
| Pretax return on assets | 0.7774% | 4,308 |
| Return on Equity (ROE) | 8.5028% | 2,539 |
| Retained earnings to average equity (ytd only) | 5.6763% | 1,724 |
| Net charge-offs to loans | 0.0680% | 2,482 |
| Credit loss provision to net charge-offs | 163.0303% | 1,646 |
| Earnings coverage of net charge-offs (x) | 23.6424% | 1,796 |
| Efficiency ratio | 76.6169% | 1,530 |
| Assets per employee ($millions) | 4.9178% | 2,576 |
| Cash dividends to net income (ytd only)* | 33.2415% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 2,047 |
| Loan loss allowance to noncurrent loans | 1,187.7193% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 4,813 |
| Noncurrent loans to loans | 0.1124% | 4,481 |
| Net loans and leases to total assets | 54.0966% | 4,355 |
| Net loans and leases to deposits | 61.8147% | 4,471 |
| Net loans and leases to core deposits | 71.8984% | 4,054 |
| Total domestic deposits to total assets | 87.5141% | 1,757 |
| Equity capital to assets | 9.6560% | 4,081 |
| Core capital (leverage) ratio | 10.2692% | 3,105 |
| Tier 1 risk-based capital ratio | 16.7673% | 2,172 |
| Total risk-based capital ratio | 17.9461% | 2,149 |
| Memoranda: | ||
| Average total assets | $467,053,800 | 1,485 |
| Average earning assets | $436,046,400 | 1,486 |
| Average equity | $42,703,800 | 1,744 |
| Average total loans | $242,665,400 | 1,862 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5696% | 4,635 |
| Cost of funding earning assets | 0.4588% | 2,627 |
| Net interest margin | 3.1108% | 4,685 |
| Noninterest income to average assets | 0.5498% | 2,729 |
| Noninterest expense to average assets | 2.6746% | 3,143 |
| Loan and lease loss provision to assets | 0.0441% | 3,219 |
| Net operating income to assets | 0.7443% | 3,762 |
| Return on assets (ROA) | 0.7335% | 3,877 |
| Pretax return on assets | 0.7335% | 4,527 |
| Return on Equity (ROE) | 8.1349% | 3,058 |
| Retained earnings to average equity (ytd only) | 5.5580% | 2,502 |
| Net charge-offs to loans | 0.0900% | 1,897 |
| Credit loss provision to net charge-offs | 95.6790% | 2,377 |
| Earnings coverage of net charge-offs (x) | 17.0930% | 2,124 |
| Efficiency ratio | 77.2324% | 1,433 |
| Assets per employee ($millions) | 4.9873% | 2,466 |
| Cash dividends to net income (ytd only)* | 31.6769% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 2,535 |
| Loan loss allowance to noncurrent loans | 212.5974% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 3,710 |
| Noncurrent loans to loans | 0.5960% | 2,924 |
| Net loans and leases to total assets | 54.4167% | 4,382 |
| Net loans and leases to deposits | 62.0724% | 4,506 |
| Net loans and leases to core deposits | 71.9960% | 4,129 |
| Total domestic deposits to total assets | 87.6666% | 1,536 |
| Equity capital to assets | 9.5600% | 4,389 |
| Core capital (leverage) ratio | 10.1193% | 3,419 |
| Tier 1 risk-based capital ratio | 16.3666% | 2,362 |
| Total risk-based capital ratio | 17.4951% | 2,354 |
| Memoranda: | ||
| Average total assets | $468,249,000 | 1,496 |
| Average earning assets | $438,509,750 | 1,487 |
| Average equity | $42,220,500 | 1,776 |
| Average total loans | $239,967,000 | 1,894 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4886% | 4,791 |
| Cost of funding earning assets | 0.4522% | 2,580 |
| Net interest margin | 3.0364% | 4,829 |
| Noninterest income to average assets | 0.6012% | 2,446 |
| Noninterest expense to average assets | 2.6864% | 3,137 |
| Loan and lease loss provision to assets | 0.0513% | 2,959 |
| Net operating income to assets | 0.7042% | 3,833 |
| Return on assets (ROA) | 0.6850% | 3,979 |
| Pretax return on assets | 0.6850% | 4,592 |
| Return on Equity (ROE) | 7.7524% | 3,168 |
| Retained earnings to average equity (ytd only) | 5.2957% | 2,524 |
| Net charge-offs to loans | 0.0573% | 2,113 |
| Credit loss provision to net charge-offs | 179.1045% | 1,361 |
| Earnings coverage of net charge-offs (x) | 26.3881% | 1,579 |
| Efficiency ratio | 78.0509% | 1,454 |
| Assets per employee ($millions) | 4.8044% | 2,645 |
| Cash dividends to net income (ytd only)* | 31.6906% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 2,160 |
| Loan loss allowance to noncurrent loans | 203.2927% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.3483% | 3,730 |
| Noncurrent loans to loans | 0.6654% | 2,754 |
| Net loans and leases to total assets | 51.6432% | 4,601 |
| Net loans and leases to deposits | 58.7789% | 4,714 |
| Net loans and leases to core deposits | 67.4663% | 4,381 |
| Total domestic deposits to total assets | 87.8601% | 1,528 |
| Equity capital to assets | 9.3323% | 4,584 |
| Core capital (leverage) ratio | 9.9181% | 3,637 |
| Tier 1 risk-based capital ratio | 16.4463% | 2,341 |
| Total risk-based capital ratio | 17.6176% | 2,316 |
| Memoranda: | ||
| Average total assets | $468,062,670 | 1,498 |
| Average earning assets | $437,884,670 | 1,492 |
| Average equity | $41,354,670 | 1,814 |
| Average total loans | $233,828,000 | 1,928 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4309% | 4,873 |
| Cost of funding earning assets | 0.4475% | 2,547 |
| Net interest margin | 2.9833% | 4,922 |
| Noninterest income to average assets | 0.7371% | 1,795 |
| Noninterest expense to average assets | 2.6459% | 3,320 |
| Loan and lease loss provision to assets | 0.1029% | 1,851 |
| Net operating income to assets | 0.7765% | 3,330 |
| Return on assets (ROA) | 0.7363% | 3,582 |
| Pretax return on assets | 0.7363% | 4,322 |
| Return on Equity (ROE) | 8.5766% | 2,626 |
| Retained earnings to average equity (ytd only) | 5.5613% | 2,560 |
| Net charge-offs to loans | 0.0264% | 2,229 |
| Credit loss provision to net charge-offs | 800.0000% | 390 |
| Earnings coverage of net charge-offs (x) | 68.4000% | 732 |
| Efficiency ratio | 75.0547% | 2,065 |
| Assets per employee ($millions) | 4.8125% | 2,681 |
| Cash dividends to net income (ytd only)* | 35.1572% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4451% | 1,882 |
| Loan loss allowance to noncurrent loans | 202.8760% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.3575% | 3,774 |
| Noncurrent loans to loans | 0.7123% | 2,712 |
| Net loans and leases to total assets | 49.4670% | 4,717 |
| Net loans and leases to deposits | 55.7096% | 4,834 |
| Net loans and leases to core deposits | 64.0699% | 4,532 |
| Total domestic deposits to total assets | 88.7944% | 1,256 |
| Equity capital to assets | 8.7875% | 5,008 |
| Core capital (leverage) ratio | 9.7675% | 3,794 |
| Tier 1 risk-based capital ratio | 16.7497% | 2,263 |
| Total risk-based capital ratio | 17.9752% | 2,240 |
| Memoranda: | ||
| Average total assets | $466,680,500 | 1,509 |
| Average earning assets | $436,154,000 | 1,503 |
| Average equity | $40,062,500 | 1,864 |
| Average total loans | $227,500,000 | 1,970 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2665% | 5,212 |
| Cost of funding earning assets | 0.4269% | 2,741 |
| Net interest margin | 2.8396% | 5,222 |
| Noninterest income to average assets | 0.5139% | 3,138 |
| Noninterest expense to average assets | 2.5886% | 3,710 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5954% | 4,221 |
| Return on assets (ROA) | 0.7208% | 3,801 |
| Pretax return on assets | 0.7208% | 4,423 |
| Return on Equity (ROE) | 7.7105% | 3,110 |
| Retained earnings to average equity (ytd only) | 5.0911% | 2,291 |
| Net charge-offs to loans | 0.0263% | 3,508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 51.9630% | 989 |
| Efficiency ratio | 81.3008% | 1,278 |
| Assets per employee ($millions) | 4.7607% | 2,706 |
| Cash dividends to net income (ytd only)* | 33.9712% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 1,723 |
| Loan loss allowance to noncurrent loans | 231.5455% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 4,059 |
| Noncurrent loans to loans | 0.6421% | 2,928 |
| Net loans and leases to total assets | 46.6007% | 4,980 |
| Net loans and leases to deposits | 52.4518% | 5,093 |
| Net loans and leases to core deposits | 61.0291% | 4,806 |
| Total domestic deposits to total assets | 88.8447% | 1,181 |
| Equity capital to assets | 8.3815% | 5,361 |
| Core capital (leverage) ratio | 9.6232% | 3,938 |
| Tier 1 risk-based capital ratio | 16.9138% | 2,181 |
| Total risk-based capital ratio | 18.1276% | 2,147 |
| Memoranda: | ||
| Average total assets | $471,291,000 | 1,450 |
| Average earning assets | $443,159,400 | 1,435 |
| Average equity | $44,057,000 | 1,685 |
| Average total loans | $205,060,200 | 2,081 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2287% | 5,320 |
| Cost of funding earning assets | 0.4213% | 2,831 |
| Net interest margin | 2.8074% | 5,347 |
| Noninterest income to average assets | 0.5142% | 3,154 |
| Noninterest expense to average assets | 2.5666% | 3,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5881% | 4,340 |
| Return on assets (ROA) | 0.7391% | 3,784 |
| Pretax return on assets | 0.7391% | 4,502 |
| Return on Equity (ROE) | 7.7092% | 3,183 |
| Retained earnings to average equity (ytd only) | 5.2660% | 2,651 |
| Net charge-offs to loans | 0.0365% | 2,899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 37.8917% | 1,281 |
| Efficiency ratio | 81.3579% | 1,265 |
| Assets per employee ($millions) | 4.9412% | 2,436 |
| Cash dividends to net income (ytd only)* | 31.6915% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 1,605 |
| Loan loss allowance to noncurrent loans | 229.2103% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.3017% | 4,211 |
| Noncurrent loans to loans | 0.6774% | 2,992 |
| Net loans and leases to total assets | 43.8431% | 5,202 |
| Net loans and leases to deposits | 50.1974% | 5,290 |
| Net loans and leases to core deposits | 59.2756% | 4,980 |
| Total domestic deposits to total assets | 87.3413% | 1,739 |
| Equity capital to assets | 9.7790% | 4,386 |
| Core capital (leverage) ratio | 9.5752% | 4,088 |
| Tier 1 risk-based capital ratio | 17.1875% | 2,172 |
| Total risk-based capital ratio | 18.4329% | 2,126 |
| Memoranda: | ||
| Average total assets | $472,476,000 | 1,450 |
| Average earning assets | $444,378,250 | 1,433 |
| Average equity | $45,295,250 | 1,665 |
| Average total loans | $201,151,000 | 2,115 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1950% | 5,436 |
| Cost of funding earning assets | 0.4165% | 2,873 |
| Net interest margin | 2.7785% | 5,459 |
| Noninterest income to average assets | 0.4794% | 3,334 |
| Noninterest expense to average assets | 2.5385% | 3,915 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5536% | 4,468 |
| Return on assets (ROA) | 0.6968% | 3,963 |
| Pretax return on assets | 0.6968% | 4,627 |
| Return on Equity (ROE) | 7.3178% | 3,362 |
| Retained earnings to average equity (ytd only) | 5.0388% | 2,713 |
| Net charge-offs to loans | 0.0303% | 2,868 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 43.5333% | 1,095 |
| Efficiency ratio | 82.0973% | 1,256 |
| Assets per employee ($millions) | 5.1366% | 2,157 |
| Cash dividends to net income (ytd only)* | 31.1436% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6306% | 1,445 |
| Loan loss allowance to noncurrent loans | 357.2973% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.2012% | 4,683 |
| Noncurrent loans to loans | 0.4564% | 3,735 |
| Net loans and leases to total assets | 41.7373% | 5,347 |
| Net loans and leases to deposits | 47.8461% | 5,422 |
| Net loans and leases to core deposits | 56.5756% | 5,140 |
| Total domestic deposits to total assets | 87.2323% | 1,793 |
| Equity capital to assets | 9.7920% | 4,460 |
| Core capital (leverage) ratio | 9.5329% | 4,161 |
| Tier 1 risk-based capital ratio | 17.4781% | 2,068 |
| Total risk-based capital ratio | 18.7283% | 2,037 |
| Memoranda: | ||
| Average total assets | $471,849,670 | 1,453 |
| Average earning assets | $443,697,670 | 1,442 |
| Average equity | $44,931,330 | 1,679 |
| Average total loans | $197,784,000 | 2,144 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2377% | 5,431 |
| Cost of funding earning assets | 0.4233% | 2,829 |
| Net interest margin | 2.8144% | 5,448 |
| Noninterest income to average assets | 0.5041% | 3,090 |
| Noninterest expense to average assets | 2.5505% | 3,906 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5963% | 4,190 |
| Return on assets (ROA) | 0.7259% | 3,702 |
| Pretax return on assets | 0.7259% | 4,429 |
| Return on Equity (ROE) | 7.7349% | 3,070 |
| Retained earnings to average equity (ytd only) | 5.0445% | 2,910 |
| Net charge-offs to loans | 0.0512% | 2,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 27.9600% | 1,230 |
| Efficiency ratio | 81.0518% | 1,480 |
| Assets per employee ($millions) | 5.0714% | 2,266 |
| Cash dividends to net income (ytd only)* | 34.7826% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6813% | 1,410 |
| Loan loss allowance to noncurrent loans | 347.3242% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 4,716 |
| Noncurrent loans to loans | 0.4841% | 3,729 |
| Net loans and leases to total assets | 41.0413% | 5,397 |
| Net loans and leases to deposits | 46.8507% | 5,469 |
| Net loans and leases to core deposits | 55.6819% | 5,147 |
| Total domestic deposits to total assets | 87.6002% | 1,866 |
| Equity capital to assets | 9.5593% | 4,610 |
| Core capital (leverage) ratio | 9.5071% | 4,182 |
| Tier 1 risk-based capital ratio | 17.1733% | 2,222 |
| Total risk-based capital ratio | 18.4236% | 2,190 |
| Memoranda: | ||
| Average total assets | $468,921,000 | 1,463 |
| Average earning assets | $440,307,500 | 1,450 |
| Average equity | $44,008,500 | 1,701 |
| Average total loans | $195,332,500 | 2,161 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1967% | 5,520 |
| Cost of funding earning assets | 0.4194% | 2,945 |
| Net interest margin | 2.7773% | 5,556 |
| Noninterest income to average assets | 0.5125% | 3,244 |
| Noninterest expense to average assets | 2.4313% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6752% | 3,926 |
| Return on assets (ROA) | 0.7255% | 3,788 |
| Pretax return on assets | 0.7255% | 4,453 |
| Return on Equity (ROE) | 8.3608% | 2,777 |
| Retained earnings to average equity (ytd only) | 5.7814% | 1,908 |
| Net charge-offs to loans | 0.0143% | 4,009 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 124.9615% | 489 |
| Efficiency ratio | 78.2661% | 1,927 |
| Assets per employee ($millions) | 5.1801% | 2,142 |
| Cash dividends to net income (ytd only)* | 30.8508% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7209% | 1,309 |
| Loan loss allowance to noncurrent loans | 337.2093% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 4,713 |
| Noncurrent loans to loans | 0.5103% | 3,653 |
| Net loans and leases to total assets | 40.8520% | 5,471 |
| Net loans and leases to deposits | 46.4512% | 5,544 |
| Net loans and leases to core deposits | 55.4221% | 5,232 |
| Total domestic deposits to total assets | 87.9461% | 1,656 |
| Equity capital to assets | 9.2088% | 4,891 |
| Core capital (leverage) ratio | 9.2681% | 4,521 |
| Tier 1 risk-based capital ratio | 17.3696% | 2,159 |
| Total risk-based capital ratio | 18.6204% | 2,112 |
| Memoranda: | ||
| Average total assets | $481,216,000 | 1,400 |
| Average earning assets | $449,464,200 | 1,380 |
| Average equity | $41,754,600 | 1,734 |
| Average total loans | $181,992,800 | 2,218 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1718% | 5,624 |
| Cost of funding earning assets | 0.4185% | 3,020 |
| Net interest margin | 2.7533% | 5,658 |
| Noninterest income to average assets | 0.5136% | 3,270 |
| Noninterest expense to average assets | 2.3809% | 4,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7027% | 3,891 |
| Return on assets (ROA) | 0.7360% | 3,839 |
| Pretax return on assets | 0.7360% | 4,550 |
| Return on Equity (ROE) | 8.6088% | 2,778 |
| Retained earnings to average equity (ytd only) | 6.2195% | 2,106 |
| Net charge-offs to loans | 0.0179% | 3,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 106.4972% | 591 |
| Efficiency ratio | 77.2111% | 2,057 |
| Assets per employee ($millions) | 5.2168% | 2,042 |
| Cash dividends to net income (ytd only)* | 27.7549% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7846% | 1,300 |
| Loan loss allowance to noncurrent loans | 331.3803% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.2221% | 4,880 |
| Noncurrent loans to loans | 0.5385% | 3,728 |
| Net loans and leases to total assets | 39.1158% | 5,641 |
| Net loans and leases to deposits | 44.6180% | 5,702 |
| Net loans and leases to core deposits | 53.3043% | 5,444 |
| Total domestic deposits to total assets | 87.6681% | 1,717 |
| Equity capital to assets | 9.1482% | 5,165 |
| Core capital (leverage) ratio | 8.8308% | 5,202 |
| Tier 1 risk-based capital ratio | 17.3577% | 2,234 |
| Total risk-based capital ratio | 18.6086% | 2,184 |
| Memoranda: | ||
| Average total assets | $484,968,750 | 1,393 |
| Average earning assets | $452,680,750 | 1,376 |
| Average equity | $41,460,250 | 1,760 |
| Average total loans | $179,043,750 | 2,256 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1721% | 5,663 |
| Cost of funding earning assets | 0.4163% | 3,077 |
| Net interest margin | 2.7557% | 5,697 |
| Noninterest income to average assets | 0.5101% | 3,305 |
| Noninterest expense to average assets | 2.3186% | 4,800 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7574% | 3,609 |
| Return on assets (ROA) | 0.7974% | 3,495 |
| Pretax return on assets | 0.7974% | 4,324 |
| Return on Equity (ROE) | 9.5403% | 2,284 |
| Retained earnings to average equity (ytd only) | 7.0747% | 1,667 |
| Net charge-offs to loans | 0.0204% | 3,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 103.1111% | 588 |
| Efficiency ratio | 75.3781% | 2,479 |
| Assets per employee ($millions) | 5.4136% | 1,821 |
| Cash dividends to net income (ytd only)* | 25.8444% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8374% | 1,296 |
| Loan loss allowance to noncurrent loans | 314.1917% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 4,994 |
| Noncurrent loans to loans | 0.5848% | 3,701 |
| Net loans and leases to total assets | 36.6567% | 5,788 |
| Net loans and leases to deposits | 41.3172% | 5,864 |
| Net loans and leases to core deposits | 48.5449% | 5,678 |
| Total domestic deposits to total assets | 88.7204% | 1,285 |
| Equity capital to assets | 8.2525% | 5,855 |
| Core capital (leverage) ratio | 8.5461% | 5,492 |
| Tier 1 risk-based capital ratio | 17.3222% | 2,277 |
| Total risk-based capital ratio | 18.5734% | 2,239 |
| Memoranda: | ||
| Average total assets | $490,120,330 | 1,388 |
| Average earning assets | $456,358,330 | 1,370 |
| Average equity | $40,963,000 | 1,785 |
| Average total loans | $176,394,670 | 2,296 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2054% | 5,637 |
| Cost of funding earning assets | 0.4086% | 3,209 |
| Net interest margin | 2.7968% | 5,647 |
| Noninterest income to average assets | 0.4695% | 3,508 |
| Noninterest expense to average assets | 2.3492% | 4,744 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7104% | 3,744 |
| Return on assets (ROA) | 0.7795% | 3,500 |
| Pretax return on assets | 0.7795% | 4,317 |
| Return on Equity (ROE) | 9.2694% | 2,328 |
| Retained earnings to average equity (ytd only) | 6.5505% | 2,212 |
| Net charge-offs to loans | 0.0253% | 2,657 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 79.3636% | 599 |
| Efficiency ratio | 76.7819% | 2,378 |
| Assets per employee ($millions) | 5.5894% | 1,719 |
| Cash dividends to net income (ytd only)* | 29.3319% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9121% | 1,263 |
| Loan loss allowance to noncurrent loans | 307.0577% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 4,144 |
| Noncurrent loans to loans | 0.6227% | 3,713 |
| Net loans and leases to total assets | 34.5448% | 5,901 |
| Net loans and leases to deposits | 38.8506% | 5,957 |
| Net loans and leases to core deposits | 44.7213% | 5,816 |
| Total domestic deposits to total assets | 88.9171% | 1,323 |
| Equity capital to assets | 8.5066% | 5,736 |
| Core capital (leverage) ratio | 8.4551% | 5,568 |
| Tier 1 risk-based capital ratio | 16.4341% | 2,717 |
| Total risk-based capital ratio | 17.6849% | 2,657 |
| Memoranda: | ||
| Average total assets | $491,569,000 | 1,383 |
| Average earning assets | $455,235,500 | 1,379 |
| Average equity | $41,340,500 | 1,781 |
| Average total loans | $173,620,500 | 2,334 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2268% | 5,803 |
| Cost of funding earning assets | 0.4268% | 3,422 |
| Net interest margin | 2.8001% | 5,806 |
| Noninterest income to average assets | 0.5008% | 3,499 |
| Noninterest expense to average assets | 2.4174% | 4,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6784% | 3,996 |
| Return on assets (ROA) | 0.6977% | 4,022 |
| Pretax return on assets | 0.6977% | 4,636 |
| Return on Equity (ROE) | 8.8988% | 2,637 |
| Retained earnings to average equity (ytd only) | 5.9753% | 1,945 |
| Net charge-offs to loans | 0.0244% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 80.8750% | 618 |
| Efficiency ratio | 78.0856% | 2,198 |
| Assets per employee ($millions) | 5.2791% | 1,986 |
| Cash dividends to net income (ytd only)* | 32.8524% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9536% | 1,191 |
| Loan loss allowance to noncurrent loans | 301.1649% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.4882% | 4,175 |
| Noncurrent loans to loans | 0.6487% | 3,744 |
| Net loans and leases to total assets | 34.7315% | 6,007 |
| Net loans and leases to deposits | 39.0381% | 6,062 |
| Net loans and leases to core deposits | 44.6314% | 5,939 |
| Total domestic deposits to total assets | 88.9682% | 1,260 |
| Equity capital to assets | 8.3109% | 5,886 |
| Core capital (leverage) ratio | 8.4644% | 5,589 |
| Tier 1 risk-based capital ratio | 17.1850% | 2,437 |
| Total risk-based capital ratio | 18.4133% | 2,400 |
| Memoranda: | ||
| Average total assets | $476,831,600 | 1,402 |
| Average earning assets | $441,919,000 | 1,381 |
| Average equity | $37,387,200 | 1,878 |
| Average total loans | $164,148,800 | 2,387 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1850% | 5,917 |
| Cost of funding earning assets | 0.4266% | 3,504 |
| Net interest margin | 2.7584% | 5,921 |
| Noninterest income to average assets | 0.5062% | 3,506 |
| Noninterest expense to average assets | 2.4153% | 4,777 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6576% | 4,179 |
| Return on assets (ROA) | 0.6745% | 4,168 |
| Pretax return on assets | 0.6745% | 4,782 |
| Return on Equity (ROE) | 8.7363% | 2,818 |
| Retained earnings to average equity (ytd only) | 6.0401% | 2,386 |
| Net charge-offs to loans | 0.0173% | 4,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 111.4736% | 538 |
| Efficiency ratio | 78.5995% | 2,097 |
| Assets per employee ($millions) | 5.3584% | 1,853 |
| Cash dividends to net income (ytd only)* | 30.8623% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0432% | 1,179 |
| Loan loss allowance to noncurrent loans | 184.2966% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.6572% | 3,866 |
| Noncurrent loans to loans | 1.1087% | 2,852 |
| Net loans and leases to total assets | 33.9790% | 6,114 |
| Net loans and leases to deposits | 38.2850% | 6,175 |
| Net loans and leases to core deposits | 43.5387% | 6,062 |
| Total domestic deposits to total assets | 88.7528% | 1,376 |
| Equity capital to assets | 8.0417% | 6,110 |
| Core capital (leverage) ratio | 8.5751% | 5,574 |
| Tier 1 risk-based capital ratio | 17.0834% | 2,587 |
| Total risk-based capital ratio | 18.3010% | 2,547 |
| Memoranda: | ||
| Average total assets | $474,620,250 | 1,418 |
| Average earning assets | $441,648,500 | 1,400 |
| Average equity | $36,643,000 | 1,927 |
| Average total loans | $162,175,000 | 2,421 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2008% | 5,954 |
| Cost of funding earning assets | 0.4315% | 3,533 |
| Net interest margin | 2.7693% | 5,962 |
| Noninterest income to average assets | 0.5001% | 3,485 |
| Noninterest expense to average assets | 2.4265% | 4,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6445% | 4,127 |
| Return on assets (ROA) | 0.6863% | 4,010 |
| Pretax return on assets | 0.6863% | 4,693 |
| Return on Equity (ROE) | 9.0149% | 2,589 |
| Retained earnings to average equity (ytd only) | 6.0487% | 2,295 |
| Net charge-offs to loans | 0.0435% | 3,359 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 43.6286% | 990 |
| Efficiency ratio | 79.0132% | 2,167 |
| Assets per employee ($millions) | 5.5143% | 1,682 |
| Cash dividends to net income (ytd only)* | 32.9028% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0567% | 1,266 |
| Loan loss allowance to noncurrent loans | 187.0000% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6537% | 4,025 |
| Noncurrent loans to loans | 1.0998% | 3,028 |
| Net loans and leases to total assets | 33.8010% | 6,160 |
| Net loans and leases to deposits | 37.9757% | 6,228 |
| Net loans and leases to core deposits | 43.3453% | 6,100 |
| Total domestic deposits to total assets | 89.0068% | 1,345 |
| Equity capital to assets | 8.0836% | 6,108 |
| Core capital (leverage) ratio | 8.4878% | 5,644 |
| Tier 1 risk-based capital ratio | 17.0218% | 2,610 |
| Total risk-based capital ratio | 18.2519% | 2,574 |
| Memoranda: | ||
| Average total assets | $473,860,330 | 1,416 |
| Average earning assets | $439,887,000 | 1,401 |
| Average equity | $36,073,670 | 1,949 |
| Average total loans | $161,091,330 | 2,436 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2363% | 5,953 |
| Cost of funding earning assets | 0.4480% | 3,451 |
| Net interest margin | 2.7883% | 5,957 |
| Noninterest income to average assets | 0.4898% | 3,494 |
| Noninterest expense to average assets | 2.4430% | 4,804 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6274% | 4,053 |
| Return on assets (ROA) | 0.6122% | 4,221 |
| Pretax return on assets | 0.6122% | 4,791 |
| Return on Equity (ROE) | 8.2992% | 2,799 |
| Retained earnings to average equity (ytd only) | 5.2772% | 2,940 |
| Net charge-offs to loans | 0.0275% | 3,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 67.5455% | 603 |
| Efficiency ratio | 79.5655% | 2,266 |
| Assets per employee ($millions) | 5.4254% | 1,775 |
| Cash dividends to net income (ytd only)* | 36.4138% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0883% | 1,348 |
| Loan loss allowance to noncurrent loans | 196.0671% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.6666% | 4,121 |
| Noncurrent loans to loans | 1.0651% | 3,294 |
| Net loans and leases to total assets | 34.4659% | 6,153 |
| Net loans and leases to deposits | 38.6375% | 6,218 |
| Net loans and leases to core deposits | 43.9117% | 6,081 |
| Total domestic deposits to total assets | 89.2032% | 1,529 |
| Equity capital to assets | 7.9222% | 6,101 |
| Core capital (leverage) ratio | 8.2842% | 5,860 |
| Tier 1 risk-based capital ratio | 17.0019% | 2,691 |
| Total risk-based capital ratio | 18.2458% | 2,647 |
| Memoranda: | ||
| Average total assets | $473,676,000 | 1,419 |
| Average earning assets | $438,399,500 | 1,405 |
| Average equity | $34,943,000 | 1,985 |
| Average total loans | $159,807,000 | 2,463 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4362% | 5,763 |
| Cost of funding earning assets | 0.5095% | 3,506 |
| Net interest margin | 2.9267% | 5,737 |
| Noninterest income to average assets | 0.5271% | 3,573 |
| Noninterest expense to average assets | 2.5244% | 4,689 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7274% | 3,669 |
| Return on assets (ROA) | 0.8068% | 3,357 |
| Pretax return on assets | 0.8068% | 4,119 |
| Return on Equity (ROE) | 9.7017% | 2,233 |
| Retained earnings to average equity (ytd only) | 5.7168% | 2,149 |
| Net charge-offs to loans | 0.0801% | 4,099 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 26.1550% | 1,303 |
| Efficiency ratio | 77.6304% | 2,526 |
| Assets per employee ($millions) | 5.5884% | 1,576 |
| Cash dividends to net income (ytd only)* | 41.0743% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1624% | 1,232 |
| Loan loss allowance to noncurrent loans | 111.9855% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.7049% | 4,141 |
| Noncurrent loans to loans | 1.9309% | 2,073 |
| Net loans and leases to total assets | 31.6501% | 6,406 |
| Net loans and leases to deposits | 34.9868% | 6,461 |
| Net loans and leases to core deposits | 39.3742% | 6,386 |
| Total domestic deposits to total assets | 90.4629% | 838 |
| Equity capital to assets | 6.8598% | 6,493 |
| Core capital (leverage) ratio | 8.2495% | 5,923 |
| Tier 1 risk-based capital ratio | 16.7451% | 2,739 |
| Total risk-based capital ratio | 17.9975% | 2,691 |
| Memoranda: | ||
| Average total assets | $463,832,000 | 1,425 |
| Average earning assets | $431,818,800 | 1,410 |
| Average equity | $38,570,600 | 1,807 |
| Average total loans | $161,100,200 | 2,411 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4899% | 5,708 |
| Cost of funding earning assets | 0.5205% | 3,562 |
| Net interest margin | 2.9693% | 5,668 |
| Noninterest income to average assets | 0.5359% | 3,549 |
| Noninterest expense to average assets | 2.5476% | 4,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7617% | 3,545 |
| Return on assets (ROA) | 0.8688% | 3,107 |
| Pretax return on assets | 0.8688% | 4,014 |
| Return on Equity (ROE) | 9.9842% | 2,189 |
| Retained earnings to average equity (ytd only) | 6.5102% | 2,125 |
| Net charge-offs to loans | 0.0864% | 3,716 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 24.9327% | 1,404 |
| Efficiency ratio | 76.9826% | 2,563 |
| Assets per employee ($millions) | 5.2681% | 1,871 |
| Cash dividends to net income (ytd only)* | 34.7958% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1530% | 1,406 |
| Loan loss allowance to noncurrent loans | 130.1786% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.6564% | 4,468 |
| Noncurrent loans to loans | 1.6539% | 2,701 |
| Net loans and leases to total assets | 33.5759% | 6,383 |
| Net loans and leases to deposits | 37.5702% | 6,462 |
| Net loans and leases to core deposits | 42.1440% | 6,381 |
| Total domestic deposits to total assets | 89.3686% | 1,374 |
| Equity capital to assets | 7.5712% | 6,370 |
| Core capital (leverage) ratio | 8.3503% | 5,916 |
| Tier 1 risk-based capital ratio | 16.8891% | 2,757 |
| Total risk-based capital ratio | 18.1256% | 2,718 |
| Memoranda: | ||
| Average total assets | $458,241,250 | 1,453 |
| Average earning assets | $428,008,500 | 1,432 |
| Average equity | $39,875,250 | 1,760 |
| Average total loans | $162,054,750 | 2,407 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4817% | 5,733 |
| Cost of funding earning assets | 0.5273% | 3,633 |
| Net interest margin | 2.9544% | 5,686 |
| Noninterest income to average assets | 0.5346% | 3,606 |
| Noninterest expense to average assets | 2.5729% | 4,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7186% | 3,726 |
| Return on assets (ROA) | 0.7939% | 3,485 |
| Pretax return on assets | 0.7939% | 4,335 |
| Return on Equity (ROE) | 8.7395% | 2,740 |
| Retained earnings to average equity (ytd only) | 5.6237% | 2,661 |
| Net charge-offs to loans | 0.1300% | 3,073 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 15.4717% | 1,739 |
| Efficiency ratio | 78.1683% | 2,431 |
| Assets per employee ($millions) | 5.2076% | 1,883 |
| Cash dividends to net income (ytd only)* | 35.6512% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0993% | 1,638 |
| Loan loss allowance to noncurrent loans | 114.5534% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.7323% | 4,383 |
| Noncurrent loans to loans | 1.8326% | 2,592 |
| Net loans and leases to total assets | 34.8431% | 6,369 |
| Net loans and leases to deposits | 39.7605% | 6,413 |
| Net loans and leases to core deposits | 45.1012% | 6,278 |
| Total domestic deposits to total assets | 87.6326% | 2,475 |
| Equity capital to assets | 7.7696% | 6,329 |
| Core capital (leverage) ratio | 8.3149% | 5,869 |
| Tier 1 risk-based capital ratio | 16.6549% | 2,862 |
| Total risk-based capital ratio | 17.9078% | 2,829 |
| Memoranda: | ||
| Average total assets | $456,456,000 | 1,463 |
| Average earning assets | $425,945,670 | 1,434 |
| Average equity | $41,467,000 | 1,707 |
| Average total loans | $163,045,670 | 2,399 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4287% | 5,877 |
| Cost of funding earning assets | 0.5334% | 3,741 |
| Net interest margin | 2.8953% | 5,825 |
| Noninterest income to average assets | 0.4478% | 4,130 |
| Noninterest expense to average assets | 2.6175% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5374% | 4,509 |
| Return on assets (ROA) | 0.6401% | 4,178 |
| Pretax return on assets | 0.6401% | 4,802 |
| Return on Equity (ROE) | 6.5679% | 3,730 |
| Retained earnings to average equity (ytd only) | 4.0723% | 3,777 |
| Net charge-offs to loans | 0.0736% | 3,107 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 20.4000% | 1,186 |
| Efficiency ratio | 82.9669% | 1,890 |
| Assets per employee ($millions) | 5.0799% | 2,119 |
| Cash dividends to net income (ytd only)* | 37.9973% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1313% | 1,727 |
| Loan loss allowance to noncurrent loans | 102.6694% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.7914% | 4,396 |
| Noncurrent loans to loans | 2.0759% | 2,536 |
| Net loans and leases to total assets | 35.5486% | 6,329 |
| Net loans and leases to deposits | 41.1752% | 6,368 |
| Net loans and leases to core deposits | 46.6677% | 6,174 |
| Total domestic deposits to total assets | 86.3352% | 3,340 |
| Equity capital to assets | 9.6594% | 4,626 |
| Core capital (leverage) ratio | 8.2379% | 5,897 |
| Tier 1 risk-based capital ratio | 16.5142% | 2,994 |
| Total risk-based capital ratio | 17.7680% | 2,950 |
| Memoranda: | ||
| Average total assets | $455,548,500 | 1,478 |
| Average earning assets | $425,929,000 | 1,448 |
| Average equity | $44,397,500 | 1,613 |
| Average total loans | $163,018,500 | 2,402 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7400% | 5,968 |
| Cost of funding earning assets | 0.5875% | 4,468 |
| Net interest margin | 3.1525% | 5,686 |
| Noninterest income to average assets | 0.4594% | 4,178 |
| Noninterest expense to average assets | 2.6515% | 4,563 |
| Loan and lease loss provision to assets | 0.0411% | 5,345 |
| Net operating income to assets | 0.6884% | 3,791 |
| Return on assets (ROA) | 0.8266% | 3,411 |
| Pretax return on assets | 0.8266% | 4,195 |
| Return on Equity (ROE) | 8.1948% | 3,006 |
| Retained earnings to average equity (ytd only) | 4.6039% | 2,985 |
| Net charge-offs to loans | 0.0563% | 5,143 |
| Credit loss provision to net charge-offs | 202.2472% | 1,276 |
| Earnings coverage of net charge-offs (x) | 35.9326% | 876 |
| Efficiency ratio | 78.4254% | 2,372 |
| Assets per employee ($millions) | 5.3371% | 1,853 |
| Cash dividends to net income (ytd only)* | 43.8190% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1815% | 1,580 |
| Loan loss allowance to noncurrent loans | 194.7049% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 5,410 |
| Noncurrent loans to loans | 1.1204% | 3,969 |
| Net loans and leases to total assets | 34.4864% | 6,520 |
| Net loans and leases to deposits | 39.9185% | 6,554 |
| Net loans and leases to core deposits | 44.7665% | 6,430 |
| Total domestic deposits to total assets | 86.3920% | 3,160 |
| Equity capital to assets | 9.8312% | 4,407 |
| Core capital (leverage) ratio | 8.3918% | 5,767 |
| Tier 1 risk-based capital ratio | 16.3432% | 2,972 |
| Total risk-based capital ratio | 17.5971% | 2,926 |
| Memoranda: | ||
| Average total assets | $438,431,400 | 1,509 |
| Average earning assets | $406,314,200 | 1,482 |
| Average equity | $44,223,000 | 1,580 |
| Average total loans | $158,023,000 | 2,458 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8190% | 5,977 |
| Cost of funding earning assets | 0.5960% | 4,692 |
| Net interest margin | 3.2230% | 5,640 |
| Noninterest income to average assets | 0.4656% | 4,175 |
| Noninterest expense to average assets | 2.6765% | 4,468 |
| Loan and lease loss provision to assets | 0.0554% | 5,047 |
| Net operating income to assets | 0.7154% | 3,848 |
| Return on assets (ROA) | 0.8545% | 3,441 |
| Pretax return on assets | 0.8545% | 4,282 |
| Return on Equity (ROE) | 8.4154% | 3,080 |
| Retained earnings to average equity (ytd only) | 4.9395% | 3,406 |
| Net charge-offs to loans | -0.0178% | 6,478 |
| Credit loss provision to net charge-offs | -857.1429% | 6,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6399% | 2,440 |
| Assets per employee ($millions) | 4.9253% | 2,287 |
| Cash dividends to net income (ytd only)* | 41.3037% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2975% | 1,521 |
| Loan loss allowance to noncurrent loans | 196.8632% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.4552% | 5,524 |
| Noncurrent loans to loans | 1.1671% | 4,115 |
| Net loans and leases to total assets | 34.9197% | 6,618 |
| Net loans and leases to deposits | 40.7762% | 6,649 |
| Net loans and leases to core deposits | 46.2527% | 6,506 |
| Total domestic deposits to total assets | 85.6375% | 3,443 |
| Equity capital to assets | 10.3585% | 4,004 |
| Core capital (leverage) ratio | 8.2840% | 6,042 |
| Tier 1 risk-based capital ratio | 16.4733% | 3,017 |
| Total risk-based capital ratio | 17.7281% | 2,977 |
| Memoranda: | ||
| Average total assets | $433,292,500 | 1,537 |
| Average earning assets | $400,863,000 | 1,520 |
| Average equity | $43,997,750 | 1,601 |
| Average total loans | $157,074,250 | 2,496 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8332% | 6,062 |
| Cost of funding earning assets | 0.5961% | 4,934 |
| Net interest margin | 3.2371% | 5,630 |
| Noninterest income to average assets | 0.4647% | 4,168 |
| Noninterest expense to average assets | 2.6844% | 4,483 |
| Loan and lease loss provision to assets | 0.0698% | 4,757 |
| Net operating income to assets | 0.6935% | 3,899 |
| Return on assets (ROA) | 0.7470% | 3,897 |
| Pretax return on assets | 0.7470% | 4,672 |
| Return on Equity (ROE) | 7.4081% | 3,562 |
| Retained earnings to average equity (ytd only) | 3.8240% | 4,069 |
| Net charge-offs to loans | 0.0281% | 4,985 |
| Credit loss provision to net charge-offs | 681.8182% | 466 |
| Earnings coverage of net charge-offs (x) | 74.5909% | 544 |
| Efficiency ratio | 77.8602% | 2,479 |
| Assets per employee ($millions) | 4.8751% | 2,322 |
| Cash dividends to net income (ytd only)* | 48.3811% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2438% | 1,685 |
| Loan loss allowance to noncurrent loans | 179.7883% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.5049% | 5,502 |
| Noncurrent loans to loans | 1.2480% | 4,057 |
| Net loans and leases to total assets | 35.0294% | 6,664 |
| Net loans and leases to deposits | 40.6467% | 6,712 |
| Net loans and leases to core deposits | 46.6212% | 6,538 |
| Total domestic deposits to total assets | 86.1802% | 3,267 |
| Equity capital to assets | 9.9885% | 4,355 |
| Core capital (leverage) ratio | 8.3981% | 5,795 |
| Tier 1 risk-based capital ratio | 16.0213% | 3,157 |
| Total risk-based capital ratio | 17.2801% | 3,124 |
| Memoranda: | ||
| Average total assets | $429,963,330 | 1,549 |
| Average earning assets | $396,220,670 | 1,538 |
| Average equity | $43,358,000 | 1,612 |
| Average total loans | $156,621,670 | 2,510 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8738% | 6,083 |
| Cost of funding earning assets | 0.6049% | 5,087 |
| Net interest margin | 3.2689% | 5,578 |
| Noninterest income to average assets | 0.4727% | 4,121 |
| Noninterest expense to average assets | 2.6772% | 4,518 |
| Loan and lease loss provision to assets | 0.0709% | 4,515 |
| Net operating income to assets | 0.7232% | 3,766 |
| Return on assets (ROA) | 0.7232% | 3,992 |
| Pretax return on assets | 0.7232% | 4,715 |
| Return on Equity (ROE) | 7.1360% | 3,700 |
| Retained earnings to average equity (ytd only) | 3.4794% | 4,493 |
| Net charge-offs to loans | 0.0206% | 4,399 |
| Credit loss provision to net charge-offs | 937.5000% | 373 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 331 |
| Efficiency ratio | 77.1242% | 2,626 |
| Assets per employee ($millions) | 4.6389% | 2,751 |
| Cash dividends to net income (ytd only)* | 51.2418% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2538% | 1,769 |
| Loan loss allowance to noncurrent loans | 167.9119% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.5271% | 5,549 |
| Noncurrent loans to loans | 1.3422% | 4,104 |
| Net loans and leases to total assets | 36.0204% | 6,612 |
| Net loans and leases to deposits | 41.6919% | 6,674 |
| Net loans and leases to core deposits | 48.3201% | 6,439 |
| Total domestic deposits to total assets | 86.3966% | 3,307 |
| Equity capital to assets | 10.2024% | 3,845 |
| Core capital (leverage) ratio | 8.4890% | 5,615 |
| Tier 1 risk-based capital ratio | 16.2898% | 3,022 |
| Total risk-based capital ratio | 17.5488% | 2,978 |
| Memoranda: | ||
| Average total assets | $423,130,000 | 1,572 |
| Average earning assets | $388,146,000 | 1,565 |
| Average equity | $42,881,000 | 1,619 |
| Average total loans | $155,448,500 | 2,551 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0693% | 6,321 |
| Cost of funding earning assets | 0.6704% | 5,706 |
| Net interest margin | 3.3989% | 5,483 |
| Noninterest income to average assets | 0.4834% | 3,971 |
| Noninterest expense to average assets | 2.8055% | 4,328 |
| Loan and lease loss provision to assets | 0.1451% | 4,796 |
| Net operating income to assets | 0.6747% | 3,604 |
| Return on assets (ROA) | 0.6826% | 3,761 |
| Pretax return on assets | 0.6826% | 4,397 |
| Return on Equity (ROE) | 7.0447% | 3,387 |
| Retained earnings to average equity (ytd only) | 3.3973% | 3,803 |
| Net charge-offs to loans | 0.2181% | 4,425 |
| Credit loss provision to net charge-offs | 167.6385% | 1,612 |
| Earnings coverage of net charge-offs (x) | 9.4694% | 1,976 |
| Efficiency ratio | 77.3848% | 2,682 |
| Assets per employee ($millions) | 4.7654% | 2,495 |
| Cash dividends to net income (ytd only)* | 51.7751% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2139% | 1,778 |
| Loan loss allowance to noncurrent loans | 171.2649% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.5057% | 5,703 |
| Noncurrent loans to loans | 1.2927% | 4,214 |
| Net loans and leases to total assets | 35.8143% | 6,779 |
| Net loans and leases to deposits | 41.2627% | 6,819 |
| Net loans and leases to core deposits | 47.4916% | 6,669 |
| Total domestic deposits to total assets | 86.7958% | 2,879 |
| Equity capital to assets | 10.0664% | 4,080 |
| Core capital (leverage) ratio | 8.5643% | 5,457 |
| Tier 1 risk-based capital ratio | 16.1102% | 2,989 |
| Total risk-based capital ratio | 17.3686% | 2,946 |
| Memoranda: | ||
| Average total assets | $396,155,200 | 1,638 |
| Average earning assets | $366,206,800 | 1,614 |
| Average equity | $38,383,400 | 1,755 |
| Average total loans | $157,290,000 | 2,536 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0915% | 6,432 |
| Cost of funding earning assets | 0.6885% | 5,834 |
| Net interest margin | 3.4029% | 5,558 |
| Noninterest income to average assets | 0.4916% | 3,935 |
| Noninterest expense to average assets | 2.8591% | 4,109 |
| Loan and lease loss provision to assets | 0.1456% | 4,622 |
| Net operating income to assets | 0.6499% | 3,873 |
| Return on assets (ROA) | 0.6311% | 4,141 |
| Pretax return on assets | 0.6311% | 4,712 |
| Return on Equity (ROE) | 6.5833% | 3,725 |
| Retained earnings to average equity (ytd only) | 3.5847% | 4,188 |
| Net charge-offs to loans | 0.1834% | 4,332 |
| Credit loss provision to net charge-offs | 195.8525% | 1,494 |
| Earnings coverage of net charge-offs (x) | 10.7003% | 1,885 |
| Efficiency ratio | 78.2319% | 2,516 |
| Assets per employee ($millions) | 4.5897% | 2,767 |
| Cash dividends to net income (ytd only)* | 45.5483% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2210% | 1,819 |
| Loan loss allowance to noncurrent loans | 173.0867% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.6429% | 5,530 |
| Noncurrent loans to loans | 1.2832% | 4,384 |
| Net loans and leases to total assets | 36.8053% | 6,832 |
| Net loans and leases to deposits | 43.4664% | 6,860 |
| Net loans and leases to core deposits | 52.2623% | 6,551 |
| Total domestic deposits to total assets | 84.6752% | 3,928 |
| Equity capital to assets | 10.4029% | 3,828 |
| Core capital (leverage) ratio | 8.8519% | 5,177 |
| Tier 1 risk-based capital ratio | 16.4200% | 2,900 |
| Total risk-based capital ratio | 17.6790% | 2,865 |
| Memoranda: | ||
| Average total assets | $389,163,000 | 1,675 |
| Average earning assets | $361,718,750 | 1,639 |
| Average equity | $37,305,750 | 1,808 |
| Average total loans | $157,778,500 | 2,551 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1522% | 6,382 |
| Cost of funding earning assets | 0.7059% | 5,923 |
| Net interest margin | 3.4463% | 5,383 |
| Noninterest income to average assets | 0.4985% | 3,866 |
| Noninterest expense to average assets | 2.9426% | 3,856 |
| Loan and lease loss provision to assets | 0.1437% | 4,508 |
| Net operating income to assets | 0.6192% | 3,960 |
| Return on assets (ROA) | 0.5853% | 4,261 |
| Pretax return on assets | 0.5853% | 4,790 |
| Return on Equity (ROE) | 6.2963% | 3,802 |
| Retained earnings to average equity (ytd only) | 2.9851% | 4,378 |
| Net charge-offs to loans | 0.0390% | 5,305 |
| Credit loss provision to net charge-offs | 887.0968% | 361 |
| Earnings coverage of net charge-offs (x) | 47.0968% | 654 |
| Efficiency ratio | 79.4105% | 2,481 |
| Assets per employee ($millions) | 4.0500% | 3,657 |
| Cash dividends to net income (ytd only)* | 52.5893% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2312% | 1,857 |
| Loan loss allowance to noncurrent loans | 296.7326% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3583% | 6,236 |
| Noncurrent loans to loans | 0.7519% | 5,403 |
| Net loans and leases to total assets | 38.8930% | 6,810 |
| Net loans and leases to deposits | 44.8827% | 6,890 |
| Net loans and leases to core deposits | 54.0269% | 6,555 |
| Total domestic deposits to total assets | 86.6548% | 2,954 |
| Equity capital to assets | 9.7726% | 4,421 |
| Core capital (leverage) ratio | 8.9938% | 4,733 |
| Tier 1 risk-based capital ratio | 16.5020% | 2,743 |
| Total risk-based capital ratio | 17.7620% | 2,695 |
| Memoranda: | ||
| Average total assets | $382,723,330 | 1,710 |
| Average earning assets | $356,152,000 | 1,678 |
| Average equity | $35,576,330 | 1,883 |
| Average total loans | $159,118,670 | 2,548 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3230% | 5,940 |
| Cost of funding earning assets | 0.7205% | 6,025 |
| Net interest margin | 3.6025% | 4,557 |
| Noninterest income to average assets | 0.5162% | 3,754 |
| Noninterest expense to average assets | 2.9740% | 3,751 |
| Loan and lease loss provision to assets | 0.1580% | 4,045 |
| Net operating income to assets | 0.7343% | 3,354 |
| Return on assets (ROA) | 0.7806% | 3,191 |
| Pretax return on assets | 0.7806% | 3,969 |
| Return on Equity (ROE) | 8.6247% | 2,644 |
| Retained earnings to average equity (ytd only) | 4.3880% | 3,541 |
| Net charge-offs to loans | 0.0372% | 4,587 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 56.4667% | 523 |
| Efficiency ratio | 76.9210% | 2,995 |
| Assets per employee ($millions) | 4.0968% | 3,647 |
| Cash dividends to net income (ytd only)* | 49.1228% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1223% | 2,134 |
| Loan loss allowance to noncurrent loans | 651.4620% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 6,738 |
| Noncurrent loans to loans | 0.3258% | 6,339 |
| Net loans and leases to total assets | 40.0225% | 6,776 |
| Net loans and leases to deposits | 45.7820% | 6,864 |
| Net loans and leases to core deposits | 55.0700% | 6,478 |
| Total domestic deposits to total assets | 87.4198% | 2,702 |
| Equity capital to assets | 9.0224% | 5,171 |
| Core capital (leverage) ratio | 8.9026% | 4,769 |
| Tier 1 risk-based capital ratio | 16.2593% | 2,779 |
| Total risk-based capital ratio | 17.5185% | 2,736 |
| Memoranda: | ||
| Average total assets | $379,685,000 | 1,731 |
| Average earning assets | $353,089,500 | 1,703 |
| Average equity | $34,366,500 | 1,928 |
| Average total loans | $161,344,500 | 2,545 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6447% | 5,974 |
| Cost of funding earning assets | 0.8713% | 6,292 |
| Net interest margin | 3.7733% | 4,058 |
| Noninterest income to average assets | 0.5434% | 3,863 |
| Noninterest expense to average assets | 2.9164% | 4,157 |
| Loan and lease loss provision to assets | 0.2155% | 5,102 |
| Net operating income to assets | 0.9025% | 2,374 |
| Return on assets (ROA) | 1.0464% | 1,985 |
| Pretax return on assets | 1.0464% | 2,785 |
| Return on Equity (ROE) | 11.2306% | 1,518 |
| Retained earnings to average equity (ytd only) | 5.4977% | 2,111 |
| Net charge-offs to loans | -0.0375% | 7,423 |
| Credit loss provision to net charge-offs | -1,337.7049% | 7,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2888% | 3,733 |
| Assets per employee ($millions) | 3.9397% | 3,916 |
| Cash dividends to net income (ytd only)* | 51.0472% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9410% | 2,443 |
| Loan loss allowance to noncurrent loans | 727.2109% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 6,845 |
| Noncurrent loans to loans | 0.2669% | 6,525 |
| Net loans and leases to total assets | 43.2878% | 6,767 |
| Net loans and leases to deposits | 49.7707% | 6,864 |
| Net loans and leases to core deposits | 59.6819% | 6,420 |
| Total domestic deposits to total assets | 86.9745% | 2,832 |
| Equity capital to assets | 9.0810% | 5,023 |
| Core capital (leverage) ratio | 9.0740% | 4,405 |
| Tier 1 risk-based capital ratio | 15.8330% | 2,823 |
| Total risk-based capital ratio | 17.0864% | 2,788 |
| Memoranda: | ||
| Average total assets | $378,726,200 | 1,737 |
| Average earning assets | $350,379,600 | 1,710 |
| Average equity | $35,287,600 | 1,879 |
| Average total loans | $162,796,200 | 2,579 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6852% | 6,081 |
| Cost of funding earning assets | 0.9084% | 6,367 |
| Net interest margin | 3.7768% | 4,069 |
| Noninterest income to average assets | 0.5392% | 3,871 |
| Noninterest expense to average assets | 2.8443% | 4,298 |
| Loan and lease loss provision to assets | 0.2127% | 4,936 |
| Net operating income to assets | 0.9716% | 2,331 |
| Return on assets (ROA) | 1.1699% | 1,768 |
| Pretax return on assets | 1.1699% | 2,597 |
| Return on Equity (ROE) | 12.4785% | 1,392 |
| Retained earnings to average equity (ytd only) | 6.6716% | 2,003 |
| Net charge-offs to loans | -0.0962% | 7,546 |
| Credit loss provision to net charge-offs | -517.9487% | 7,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6021% | 3,959 |
| Assets per employee ($millions) | 3.7914% | 4,289 |
| Cash dividends to net income (ytd only)* | 46.5347% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8642% | 2,588 |
| Loan loss allowance to noncurrent loans | 569.5896% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 6,904 |
| Noncurrent loans to loans | 0.3273% | 6,538 |
| Net loans and leases to total assets | 43.2561% | 6,889 |
| Net loans and leases to deposits | 50.9467% | 6,951 |
| Net loans and leases to core deposits | 64.8045% | 6,229 |
| Total domestic deposits to total assets | 84.9046% | 3,666 |
| Equity capital to assets | 10.6560% | 3,342 |
| Core capital (leverage) ratio | 8.6153% | 5,321 |
| Tier 1 risk-based capital ratio | 15.9844% | 2,771 |
| Total risk-based capital ratio | 17.2370% | 2,719 |
| Memoranda: | ||
| Average total assets | $379,839,250 | 1,753 |
| Average earning assets | $350,942,250 | 1,729 |
| Average equity | $35,612,500 | 1,879 |
| Average total loans | $162,189,750 | 2,625 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5652% | 6,548 |
| Cost of funding earning assets | 0.9434% | 6,409 |
| Net interest margin | 3.6218% | 4,726 |
| Noninterest income to average assets | 0.5269% | 3,902 |
| Noninterest expense to average assets | 2.7679% | 4,627 |
| Loan and lease loss provision to assets | 0.2279% | 4,626 |
| Net operating income to assets | 0.8766% | 2,635 |
| Return on assets (ROA) | 1.0601% | 2,053 |
| Pretax return on assets | 1.0601% | 2,901 |
| Return on Equity (ROE) | 11.8300% | 1,494 |
| Retained earnings to average equity (ytd only) | 5.9033% | 2,390 |
| Net charge-offs to loans | -0.1621% | 7,617 |
| Credit loss provision to net charge-offs | -332.8244% | 6,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4768% | 3,910 |
| Assets per employee ($millions) | 4.3485% | 3,129 |
| Cash dividends to net income (ytd only)* | 50.0986% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7782% | 2,788 |
| Loan loss allowance to noncurrent loans | 580.5611% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 6,997 |
| Noncurrent loans to loans | 0.3063% | 6,611 |
| Net loans and leases to total assets | 40.8871% | 7,108 |
| Net loans and leases to deposits | 47.2135% | 7,199 |
| Net loans and leases to core deposits | 63.8672% | 6,411 |
| Total domestic deposits to total assets | 86.6004% | 2,751 |
| Equity capital to assets | 9.4376% | 4,807 |
| Core capital (leverage) ratio | 8.4158% | 5,552 |
| Tier 1 risk-based capital ratio | 15.3306% | 2,985 |
| Total risk-based capital ratio | 16.5865% | 2,948 |
| Memoranda: | ||
| Average total assets | $382,600,000 | 1,757 |
| Average earning assets | $353,412,330 | 1,725 |
| Average equity | $34,285,670 | 1,948 |
| Average total loans | $161,661,670 | 2,672 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5575% | 6,659 |
| Cost of funding earning assets | 0.9726% | 6,502 |
| Net interest margin | 3.5849% | 4,792 |
| Noninterest income to average assets | 0.5351% | 3,775 |
| Noninterest expense to average assets | 2.7561% | 4,671 |
| Loan and lease loss provision to assets | 0.3236% | 3,473 |
| Net operating income to assets | 0.7572% | 3,173 |
| Return on assets (ROA) | 0.8133% | 3,007 |
| Pretax return on assets | 0.8133% | 3,811 |
| Return on Equity (ROE) | 9.3322% | 2,364 |
| Retained earnings to average equity (ytd only) | 4.5508% | 3,421 |
| Net charge-offs to loans | -0.3577% | 7,767 |
| Credit loss provision to net charge-offs | -212.5000% | 6,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8302% | 3,959 |
| Assets per employee ($millions) | 4.3569% | 3,198 |
| Cash dividends to net income (ytd only)* | 51.2354% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7291% | 2,962 |
| Loan loss allowance to noncurrent loans | 572.0165% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 7,096 |
| Noncurrent loans to loans | 0.3023% | 6,721 |
| Net loans and leases to total assets | 41.2086% | 7,166 |
| Net loans and leases to deposits | 47.5481% | 7,251 |
| Net loans and leases to core deposits | 66.9027% | 6,216 |
| Total domestic deposits to total assets | 86.6674% | 2,808 |
| Equity capital to assets | 8.8340% | 5,487 |
| Core capital (leverage) ratio | 8.3813% | 5,596 |
| Tier 1 risk-based capital ratio | 15.3097% | 2,965 |
| Total risk-based capital ratio | 16.5607% | 2,914 |
| Memoranda: | ||
| Average total assets | $378,219,500 | 1,814 |
| Average earning assets | $348,348,500 | 1,794 |
| Average equity | $32,961,000 | 2,036 |
| Average total loans | $161,036,000 | 2,747 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1343% | 5,944 |
| Cost of funding earning assets | 1.1180% | 6,920 |
| Net interest margin | 4.0163% | 2,802 |
| Noninterest income to average assets | 0.6512% | 3,282 |
| Noninterest expense to average assets | 3.1473% | 3,558 |
| Loan and lease loss provision to assets | 0.2683% | 5,264 |
| Net operating income to assets | 0.9031% | 2,168 |
| Return on assets (ROA) | 0.9414% | 2,098 |
| Pretax return on assets | 0.9414% | 2,786 |
| Return on Equity (ROE) | 9.9895% | 1,695 |
| Retained earnings to average equity (ytd only) | 3.4913% | 2,727 |
| Net charge-offs to loans | 0.2893% | 4,823 |
| Credit loss provision to net charge-offs | 189.1304% | 2,124 |
| Earnings coverage of net charge-offs (x) | 8.2587% | 1,967 |
| Efficiency ratio | 72.8759% | 4,121 |
| Assets per employee ($millions) | 4.1448% | 3,528 |
| Cash dividends to net income (ytd only)* | 65.0508% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 4,010 |
| Loan loss allowance to noncurrent loans | 425.1825% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 6,879 |
| Noncurrent loans to loans | 0.3397% | 6,600 |
| Net loans and leases to total assets | 42.6143% | 7,215 |
| Net loans and leases to deposits | 49.1151% | 7,308 |
| Net loans and leases to core deposits | 69.0658% | 6,827 |
| Total domestic deposits to total assets | 86.7642% | 2,627 |
| Equity capital to assets | 8.5922% | 5,737 |
| Core capital (leverage) ratio | 8.8910% | 4,604 |
| Tier 1 risk-based capital ratio | 15.2297% | 2,833 |
| Total risk-based capital ratio | 16.3603% | 2,839 |
| Memoranda: | ||
| Average total assets | $324,311,800 | 2,090 |
| Average earning assets | $296,145,800 | 2,098 |
| Average equity | $30,562,000 | 2,193 |
| Average total loans | $158,992,400 | 2,777 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2420% | 5,718 |
| Cost of funding earning assets | 1.1426% | 7,058 |
| Net interest margin | 4.0993% | 2,397 |
| Noninterest income to average assets | 0.6732% | 3,198 |
| Noninterest expense to average assets | 3.2622% | 3,069 |
| Loan and lease loss provision to assets | 0.2435% | 5,013 |
| Net operating income to assets | 0.9175% | 2,350 |
| Return on assets (ROA) | 0.9410% | 2,332 |
| Pretax return on assets | 0.9410% | 3,093 |
| Return on Equity (ROE) | 9.7294% | 2,019 |
| Retained earnings to average equity (ytd only) | 3.1313% | 3,568 |
| Net charge-offs to loans | 0.1742% | 4,999 |
| Credit loss provision to net charge-offs | 275.3623% | 1,538 |
| Earnings coverage of net charge-offs (x) | 13.1306% | 1,699 |
| Efficiency ratio | 73.7518% | 3,907 |
| Assets per employee ($millions) | 3.8960% | 3,957 |
| Cash dividends to net income (ytd only)* | 67.8166% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 3,801 |
| Loan loss allowance to noncurrent loans | 422.7778% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 6,708 |
| Noncurrent loans to loans | 0.3375% | 6,685 |
| Net loans and leases to total assets | 46.5356% | 7,066 |
| Net loans and leases to deposits | 54.5952% | 7,168 |
| Net loans and leases to core deposits | 72.6765% | 6,800 |
| Total domestic deposits to total assets | 85.2376% | 3,104 |
| Equity capital to assets | 9.8148% | 4,330 |
| Core capital (leverage) ratio | 9.6433% | 3,725 |
| Tier 1 risk-based capital ratio | 15.7421% | 2,719 |
| Total risk-based capital ratio | 16.9004% | 2,694 |
| Memoranda: | ||
| Average total assets | $312,131,250 | 2,162 |
| Average earning assets | $285,535,250 | 2,166 |
| Average equity | $30,189,500 | 2,241 |
| Average total loans | $158,416,500 | 2,824 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3601% | 5,354 |
| Cost of funding earning assets | 1.1718% | 7,191 |
| Net interest margin | 4.1883% | 2,037 |
| Noninterest income to average assets | 0.6709% | 3,190 |
| Noninterest expense to average assets | 3.3108% | 2,913 |
| Loan and lease loss provision to assets | 0.2408% | 4,661 |
| Net operating income to assets | 0.9294% | 2,346 |
| Return on assets (ROA) | 0.9657% | 2,326 |
| Pretax return on assets | 0.9657% | 3,127 |
| Return on Equity (ROE) | 10.0399% | 2,009 |
| Retained earnings to average equity (ytd only) | 3.5386% | 3,333 |
| Net charge-offs to loans | 0.1393% | 4,775 |
| Credit loss provision to net charge-offs | 331.8182% | 1,404 |
| Earnings coverage of net charge-offs (x) | 16.1273% | 1,546 |
| Efficiency ratio | 73.8849% | 4,052 |
| Assets per employee ($millions) | 3.5312% | 4,732 |
| Cash dividends to net income (ytd only)* | 64.7541% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 3,949 |
| Loan loss allowance to noncurrent loans | 253.4965% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 6,292 |
| Noncurrent loans to loans | 0.5350% | 6,199 |
| Net loans and leases to total assets | 49.7810% | 6,893 |
| Net loans and leases to deposits | 57.7307% | 7,046 |
| Net loans and leases to core deposits | 69.8409% | 7,024 |
| Total domestic deposits to total assets | 86.2296% | 2,658 |
| Equity capital to assets | 9.1871% | 5,033 |
| Core capital (leverage) ratio | 9.0227% | 4,587 |
| Tier 1 risk-based capital ratio | 14.4607% | 3,273 |
| Total risk-based capital ratio | 15.5907% | 3,269 |
| Memoranda: | ||
| Average total assets | $303,192,000 | 2,238 |
| Average earning assets | $275,814,000 | 2,245 |
| Average equity | $29,163,670 | 2,328 |
| Average total loans | $157,883,670 | 2,858 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3568% | 5,630 |
| Cost of funding earning assets | 1.2103% | 7,277 |
| Net interest margin | 4.1465% | 2,102 |
| Noninterest income to average assets | 0.6584% | 3,150 |
| Noninterest expense to average assets | 3.2905% | 2,684 |
| Loan and lease loss provision to assets | 0.1284% | 5,312 |
| Net operating income to assets | 0.9679% | 2,452 |
| Return on assets (ROA) | 0.9679% | 2,580 |
| Pretax return on assets | 0.9679% | 3,474 |
| Return on Equity (ROE) | 9.8261% | 2,385 |
| Retained earnings to average equity (ytd only) | 2.1546% | 4,674 |
| Net charge-offs to loans | 0.1405% | 3,837 |
| Credit loss provision to net charge-offs | 172.7273% | 2,485 |
| Earnings coverage of net charge-offs (x) | 14.7455% | 1,648 |
| Efficiency ratio | 75.0077% | 3,663 |
| Assets per employee ($millions) | 3.1318% | 5,804 |
| Cash dividends to net income (ytd only)* | 78.0726% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 4,357 |
| Loan loss allowance to noncurrent loans | 265.5827% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 6,356 |
| Noncurrent loans to loans | 0.4736% | 6,234 |
| Net loans and leases to total assets | 53.9933% | 6,466 |
| Net loans and leases to deposits | 63.5977% | 6,594 |
| Net loans and leases to core deposits | 77.9308% | 6,542 |
| Total domestic deposits to total assets | 84.8981% | 3,256 |
| Equity capital to assets | 10.2094% | 3,761 |
| Core capital (leverage) ratio | 9.5144% | 3,961 |
| Tier 1 risk-based capital ratio | 15.0588% | 3,038 |
| Total risk-based capital ratio | 16.1330% | 3,050 |
| Memoranda: | ||
| Average total assets | $295,885,000 | 2,298 |
| Average earning assets | $266,053,000 | 2,317 |
| Average equity | $29,147,000 | 2,337 |
| Average total loans | $156,634,500 | 2,898 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8212% | 6,368 |
| Cost of funding earning assets | 1.8284% | 6,931 |
| Net interest margin | 3.9929% | 3,151 |
| Noninterest income to average assets | 0.7723% | 2,655 |
| Noninterest expense to average assets | 3.3850% | 2,717 |
| Loan and lease loss provision to assets | 0.0633% | 6,609 |
| Net operating income to assets | 0.9640% | 2,725 |
| Return on assets (ROA) | 0.9897% | 2,476 |
| Pretax return on assets | 0.9897% | 3,416 |
| Return on Equity (ROE) | 10.7284% | 1,992 |
| Retained earnings to average equity (ytd only) | 3.5737% | 2,921 |
| Net charge-offs to loans | 0.0927% | 5,406 |
| Credit loss provision to net charge-offs | 139.0977% | 3,816 |
| Earnings coverage of net charge-offs (x) | 22.5639% | 1,466 |
| Efficiency ratio | 76.7166% | 3,115 |
| Assets per employee ($millions) | 3.2636% | 5,306 |
| Cash dividends to net income (ytd only)* | 66.6897% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 4,386 |
| Loan loss allowance to noncurrent loans | 363.6364% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 6,292 |
| Noncurrent loans to loans | 0.3354% | 6,374 |
| Net loans and leases to total assets | 50.6922% | 6,968 |
| Net loans and leases to deposits | 58.8382% | 7,156 |
| Net loans and leases to core deposits | 67.9951% | 7,285 |
| Total domestic deposits to total assets | 86.1552% | 2,334 |
| Equity capital to assets | 9.5176% | 4,663 |
| Core capital (leverage) ratio | 9.4287% | 4,116 |
| Tier 1 risk-based capital ratio | 14.4324% | 3,331 |
| Total risk-based capital ratio | 15.4468% | 3,373 |
| Memoranda: | ||
| Average total assets | $292,112,800 | 2,243 |
| Average earning assets | $266,300,600 | 2,247 |
| Average equity | $26,947,200 | 2,482 |
| Average total loans | $143,453,200 | 3,030 |