Home > United Bank > Performance and Condition Ratios
United 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 | 4.4336% | 2,520 |
| Cost of funding earning assets | 0.5377% | 2,945 |
| Net interest margin | 3.8959% | 2,321 |
| Noninterest income to average assets | 1.2190% | 644 |
| Noninterest expense to average assets | 3.2223% | 1,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3124% | 1,808 |
| Return on assets (ROA) | 1.1390% | 2,508 |
| Pretax return on assets | 1.3948% | 2,247 |
| Return on Equity (ROE) | 10.6206% | 2,340 |
| Retained earnings to average equity (ytd only) | 1.1950% | 4,806 |
| Net charge-offs to loans | 0.0077% | 3,139 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 277.8263% | 333 |
| Efficiency ratio | 66.7332% | 2,758 |
| Assets per employee ($millions) | 4.1386% | 3,671 |
| Cash dividends to net income (ytd only)* | 88.7478% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 3,707 |
| Loan loss allowance to noncurrent loans | 241.0588% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 3,430 |
| Noncurrent loans to loans | 0.4182% | 3,159 |
| Net loans and leases to total assets | 74.7970% | 1,856 |
| Net loans and leases to deposits | 88.4346% | 2,098 |
| Net loans and leases to core deposits | 89.3171% | 2,719 |
| Total domestic deposits to total assets | 84.5789% | 2,771 |
| Equity capital to assets | 11.0309% | 2,634 |
| Core capital (leverage) ratio | 10.9279% | 2,649 |
| Tier 1 risk-based capital ratio | 14.1048% | 3,318 |
| Total risk-based capital ratio | 15.0788% | 3,361 |
| Memoranda: | ||
| Average total assets | $276,730,500 | 2,301 |
| Average earning assets | $256,399,750 | 2,302 |
| Average equity | $29,677,500 | 2,361 |
| Average total loans | $206,588,750 | 2,130 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4166% | 2,361 |
| Cost of funding earning assets | 0.5319% | 2,751 |
| Net interest margin | 3.8847% | 2,261 |
| Noninterest income to average assets | 1.0934% | 808 |
| Noninterest expense to average assets | 3.0784% | 1,840 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3096% | 1,736 |
| Return on assets (ROA) | 1.3491% | 1,608 |
| Pretax return on assets | 1.6563% | 1,326 |
| Return on Equity (ROE) | 12.6960% | 1,476 |
| Retained earnings to average equity (ytd only) | 6.9814% | 2,080 |
| Net charge-offs to loans | 0.0029% | 3,086 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 748.3333% | 110 |
| Efficiency ratio | 65.6938% | 3,031 |
| Assets per employee ($millions) | 4.4183% | 3,254 |
| Cash dividends to net income (ytd only)* | 45.0106% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 3,729 |
| Loan loss allowance to noncurrent loans | 224.9180% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 3,335 |
| Noncurrent loans to loans | 0.4528% | 3,079 |
| Net loans and leases to total assets | 69.6422% | 2,634 |
| Net loans and leases to deposits | 81.5652% | 2,813 |
| Net loans and leases to core deposits | 84.4370% | 3,047 |
| Total domestic deposits to total assets | 85.3822% | 2,533 |
| Equity capital to assets | 10.5080% | 3,107 |
| Core capital (leverage) ratio | 10.9449% | 2,570 |
| Tier 1 risk-based capital ratio | 14.0474% | 3,336 |
| Total risk-based capital ratio | 14.9970% | 3,392 |
| Memoranda: | ||
| Average total assets | $279,304,670 | 2,296 |
| Average earning assets | $258,297,330 | 2,290 |
| Average equity | $29,678,670 | 2,376 |
| Average total loans | $207,698,670 | 2,124 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1936% | 2,904 |
| Cost of funding earning assets | 0.5346% | 2,513 |
| Net interest margin | 3.6590% | 2,958 |
| Noninterest income to average assets | 1.1752% | 665 |
| Noninterest expense to average assets | 2.8675% | 2,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2870% | 1,685 |
| Return on assets (ROA) | 1.2870% | 1,690 |
| Pretax return on assets | 1.6981% | 1,122 |
| Return on Equity (ROE) | 12.0425% | 1,567 |
| Retained earnings to average equity (ytd only) | 6.5650% | 2,470 |
| Net charge-offs to loans | -0.0038% | 3,922 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8062% | 3,664 |
| Assets per employee ($millions) | 4.3205% | 3,451 |
| Cash dividends to net income (ytd only)* | 45.4853% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9652% | 4,138 |
| Loan loss allowance to noncurrent loans | 286.9263% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.2920% | 3,692 |
| Noncurrent loans to loans | 0.3364% | 3,555 |
| Net loans and leases to total assets | 75.3768% | 1,639 |
| Net loans and leases to deposits | 88.2991% | 1,894 |
| Net loans and leases to core deposits | 91.3738% | 2,346 |
| Total domestic deposits to total assets | 85.3653% | 2,802 |
| Equity capital to assets | 10.5443% | 3,032 |
| Core capital (leverage) ratio | 11.1384% | 2,297 |
| Tier 1 risk-based capital ratio | 13.1893% | 3,855 |
| Total risk-based capital ratio | 14.0996% | 3,927 |
| Memoranda: | ||
| Average total assets | $275,361,500 | 2,338 |
| Average earning assets | $255,148,500 | 2,331 |
| Average equity | $29,429,000 | 2,409 |
| Average total loans | $210,516,000 | 2,111 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1378% | 2,923 |
| Cost of funding earning assets | 0.4734% | 2,571 |
| Net interest margin | 3.6644% | 2,937 |
| Noninterest income to average assets | 1.2793% | 649 |
| Noninterest expense to average assets | 2.8745% | 2,541 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1856% | 1,561 |
| Return on assets (ROA) | 1.1859% | 1,582 |
| Pretax return on assets | 1.8103% | 773 |
| Return on Equity (ROE) | 11.4894% | 1,344 |
| Retained earnings to average equity (ytd only) | 9.6428% | 401 |
| Net charge-offs to loans | 0.0501% | 2,789 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 47.0099% | 1,138 |
| Efficiency ratio | 61.3638% | 4,040 |
| Assets per employee ($millions) | 4.1522% | 3,733 |
| Cash dividends to net income (ytd only)* | 16.0720% | 3,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9943% | 3,983 |
| Loan loss allowance to noncurrent loans | 222.8108% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 3,193 |
| Noncurrent loans to loans | 0.4462% | 3,180 |
| Net loans and leases to total assets | 76.0402% | 1,587 |
| Net loans and leases to deposits | 89.6023% | 1,822 |
| Net loans and leases to core deposits | 90.7028% | 2,490 |
| Total domestic deposits to total assets | 84.8642% | 2,887 |
| Equity capital to assets | 10.8363% | 2,796 |
| Core capital (leverage) ratio | 11.1594% | 2,188 |
| Tier 1 risk-based capital ratio | 13.2058% | 3,789 |
| Total risk-based capital ratio | 14.1314% | 3,880 |
| Memoranda: | ||
| Average total assets | $262,338,200 | 2,394 |
| Average earning assets | $243,778,400 | 2,390 |
| Average equity | $27,077,200 | 2,539 |
| Average total loans | $201,561,200 | 2,142 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1237% | 2,903 |
| Cost of funding earning assets | 0.4665% | 2,555 |
| Net interest margin | 3.6572% | 2,924 |
| Noninterest income to average assets | 1.1063% | 831 |
| Noninterest expense to average assets | 2.8780% | 2,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0742% | 2,207 |
| Return on assets (ROA) | 1.0745% | 2,257 |
| Pretax return on assets | 1.6320% | 1,306 |
| Return on Equity (ROE) | 10.5468% | 1,883 |
| Retained earnings to average equity (ytd only) | 10.5468% | 479 |
| Net charge-offs to loans | 0.0513% | 2,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 41.3913% | 1,266 |
| Efficiency ratio | 63.8211% | 3,583 |
| Assets per employee ($millions) | 4.0300% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 3,829 |
| Loan loss allowance to noncurrent loans | 419.5171% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 4,072 |
| Noncurrent loans to loans | 0.2484% | 4,064 |
| Net loans and leases to total assets | 76.7544% | 1,459 |
| Net loans and leases to deposits | 90.3682% | 1,766 |
| Net loans and leases to core deposits | 91.6208% | 2,480 |
| Total domestic deposits to total assets | 84.9353% | 2,736 |
| Equity capital to assets | 10.7339% | 3,133 |
| Core capital (leverage) ratio | 10.7028% | 2,766 |
| Tier 1 risk-based capital ratio | 12.7754% | 4,152 |
| Total risk-based capital ratio | 13.7376% | 4,241 |
| Memoranda: | ||
| Average total assets | $260,450,250 | 2,424 |
| Average earning assets | $242,363,250 | 2,423 |
| Average equity | $26,535,000 | 2,592 |
| Average total loans | $200,130,000 | 2,161 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0223% | 3,130 |
| Cost of funding earning assets | 0.4606% | 2,504 |
| Net interest margin | 3.5617% | 3,177 |
| Noninterest income to average assets | 1.0264% | 963 |
| Noninterest expense to average assets | 2.8474% | 2,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9879% | 2,485 |
| Return on assets (ROA) | 0.9905% | 2,521 |
| Pretax return on assets | 1.5033% | 1,623 |
| Return on Equity (ROE) | 9.8961% | 2,081 |
| Retained earnings to average equity (ytd only) | 9.8961% | 608 |
| Net charge-offs to loans | 0.0250% | 2,716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 78.3600% | 781 |
| Efficiency ratio | 65.5045% | 3,434 |
| Assets per employee ($millions) | 4.1133% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,739 |
| Loan loss allowance to noncurrent loans | 350.9031% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2740% | 4,025 |
| Noncurrent loans to loans | 0.3047% | 3,948 |
| Net loans and leases to total assets | 76.3095% | 1,497 |
| Net loans and leases to deposits | 89.3889% | 1,817 |
| Net loans and leases to core deposits | 90.2135% | 2,497 |
| Total domestic deposits to total assets | 85.3680% | 2,662 |
| Equity capital to assets | 10.3705% | 3,491 |
| Core capital (leverage) ratio | 10.4558% | 2,968 |
| Tier 1 risk-based capital ratio | 12.1728% | 4,509 |
| Total risk-based capital ratio | 13.1406% | 4,600 |
| Memoranda: | ||
| Average total assets | $261,293,670 | 2,429 |
| Average earning assets | $243,589,330 | 2,418 |
| Average equity | $26,151,670 | 2,617 |
| Average total loans | $200,156,670 | 2,164 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0210% | 2,957 |
| Cost of funding earning assets | 0.4524% | 2,506 |
| Net interest margin | 3.5686% | 3,014 |
| Noninterest income to average assets | 0.9437% | 1,122 |
| Noninterest expense to average assets | 2.8250% | 2,707 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9696% | 2,437 |
| Return on assets (ROA) | 0.9696% | 2,488 |
| Pretax return on assets | 1.4620% | 1,656 |
| Return on Equity (ROE) | 9.8641% | 2,020 |
| Retained earnings to average equity (ytd only) | 9.8641% | 838 |
| Net charge-offs to loans | -0.0180% | 4,685 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8962% | 3,517 |
| Assets per employee ($millions) | 3.9393% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 3,744 |
| Loan loss allowance to noncurrent loans | 329.4385% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 4,034 |
| Noncurrent loans to loans | 0.3320% | 3,918 |
| Net loans and leases to total assets | 75.5185% | 1,499 |
| Net loans and leases to deposits | 88.0929% | 1,783 |
| Net loans and leases to core deposits | 89.2725% | 2,423 |
| Total domestic deposits to total assets | 85.7259% | 2,785 |
| Equity capital to assets | 10.0594% | 3,683 |
| Core capital (leverage) ratio | 10.0378% | 3,447 |
| Tier 1 risk-based capital ratio | 12.3303% | 4,492 |
| Total risk-based capital ratio | 13.3513% | 4,547 |
| Memoranda: | ||
| Average total assets | $262,371,500 | 2,448 |
| Average earning assets | $245,809,500 | 2,431 |
| Average equity | $25,790,500 | 2,663 |
| Average total loans | $200,293,000 | 2,180 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 3,418 |
| Cost of funding earning assets | 0.4554% | 2,491 |
| Net interest margin | 3.4841% | 3,495 |
| Noninterest income to average assets | 1.2749% | 698 |
| Noninterest expense to average assets | 3.0069% | 2,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9895% | 2,395 |
| Return on assets (ROA) | 0.9895% | 2,499 |
| Pretax return on assets | 1.5054% | 1,569 |
| Return on Equity (ROE) | 10.0321% | 1,947 |
| Retained earnings to average equity (ytd only) | 10.0321% | 402 |
| Net charge-offs to loans | 0.0918% | 2,390 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 21.3073% | 1,795 |
| Efficiency ratio | 66.6375% | 3,491 |
| Assets per employee ($millions) | 4.0113% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 3,893 |
| Loan loss allowance to noncurrent loans | 284.4737% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.3252% | 3,978 |
| Noncurrent loans to loans | 0.3761% | 3,779 |
| Net loans and leases to total assets | 75.5091% | 1,600 |
| Net loans and leases to deposits | 87.8246% | 1,949 |
| Net loans and leases to core deposits | 88.9749% | 2,589 |
| Total domestic deposits to total assets | 85.9772% | 2,594 |
| Equity capital to assets | 9.6043% | 4,163 |
| Core capital (leverage) ratio | 9.9607% | 3,533 |
| Tier 1 risk-based capital ratio | 11.9032% | 4,793 |
| Total risk-based capital ratio | 12.9091% | 4,857 |
| Memoranda: | ||
| Average total assets | $253,348,400 | 2,478 |
| Average earning assets | $235,412,800 | 2,477 |
| Average equity | $24,989,800 | 2,723 |
| Average total loans | $194,992,200 | 2,157 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9292% | 3,494 |
| Cost of funding earning assets | 0.4561% | 2,495 |
| Net interest margin | 3.4731% | 3,573 |
| Noninterest income to average assets | 1.2833% | 708 |
| Noninterest expense to average assets | 3.0190% | 2,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9762% | 2,539 |
| Return on assets (ROA) | 0.9762% | 2,668 |
| Pretax return on assets | 1.4866% | 1,751 |
| Return on Equity (ROE) | 9.8281% | 2,128 |
| Retained earnings to average equity (ytd only) | 9.8281% | 606 |
| Net charge-offs to loans | 0.0193% | 3,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 99.7565% | 659 |
| Efficiency ratio | 67.0053% | 3,423 |
| Assets per employee ($millions) | 3.7415% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 3,265 |
| Loan loss allowance to noncurrent loans | 257.5724% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.4162% | 3,759 |
| Noncurrent loans to loans | 0.4644% | 3,621 |
| Net loans and leases to total assets | 75.0977% | 1,685 |
| Net loans and leases to deposits | 87.7556% | 2,045 |
| Net loans and leases to core deposits | 89.0596% | 2,660 |
| Total domestic deposits to total assets | 85.5759% | 2,568 |
| Equity capital to assets | 10.1603% | 3,967 |
| Core capital (leverage) ratio | 10.9408% | 2,519 |
| Tier 1 risk-based capital ratio | 11.9754% | 4,805 |
| Total risk-based capital ratio | 13.0510% | 4,813 |
| Memoranda: | ||
| Average total assets | $250,498,750 | 2,506 |
| Average earning assets | $232,409,500 | 2,500 |
| Average equity | $24,880,500 | 2,755 |
| Average total loans | $193,222,750 | 2,177 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9165% | 3,553 |
| Cost of funding earning assets | 0.4569% | 2,500 |
| Net interest margin | 3.4596% | 3,644 |
| Noninterest income to average assets | 1.1718% | 816 |
| Noninterest expense to average assets | 3.0025% | 2,334 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9093% | 2,818 |
| Return on assets (ROA) | 0.9093% | 2,950 |
| Pretax return on assets | 1.3781% | 2,100 |
| Return on Equity (ROE) | 9.2274% | 2,390 |
| Retained earnings to average equity (ytd only) | 9.2274% | 786 |
| Net charge-offs to loans | 0.0238% | 3,009 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 74.6522% | 737 |
| Efficiency ratio | 68.5416% | 3,237 |
| Assets per employee ($millions) | 3.7369% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2072% | 3,317 |
| Loan loss allowance to noncurrent loans | 215.2275% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5592% | 3,345 |
| Noncurrent loans to loans | 0.5609% | 3,385 |
| Net loans and leases to total assets | 75.7688% | 1,527 |
| Net loans and leases to deposits | 88.4038% | 1,933 |
| Net loans and leases to core deposits | 89.7374% | 2,559 |
| Total domestic deposits to total assets | 85.7076% | 2,553 |
| Equity capital to assets | 10.0643% | 4,146 |
| Core capital (leverage) ratio | 10.2859% | 3,219 |
| Tier 1 risk-based capital ratio | 11.5903% | 5,096 |
| Total risk-based capital ratio | 12.6627% | 5,099 |
| Memoranda: | ||
| Average total assets | $249,191,000 | 2,537 |
| Average earning assets | $231,126,000 | 2,527 |
| Average equity | $24,557,330 | 2,783 |
| Average total loans | $193,171,000 | 2,185 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8957% | 3,605 |
| Cost of funding earning assets | 0.4601% | 2,464 |
| Net interest margin | 3.4355% | 3,737 |
| Noninterest income to average assets | 1.0829% | 922 |
| Noninterest expense to average assets | 2.9831% | 2,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8528% | 2,982 |
| Return on assets (ROA) | 0.8528% | 3,106 |
| Pretax return on assets | 1.2952% | 2,330 |
| Return on Equity (ROE) | 8.7470% | 2,540 |
| Retained earnings to average equity (ytd only) | 8.7470% | 1,186 |
| Net charge-offs to loans | 0.0310% | 2,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 53.6667% | 839 |
| Efficiency ratio | 69.7255% | 3,178 |
| Assets per employee ($millions) | 3.7175% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 3,562 |
| Loan loss allowance to noncurrent loans | 184.6032% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.6271% | 3,185 |
| Noncurrent loans to loans | 0.6427% | 3,247 |
| Net loans and leases to total assets | 77.7747% | 1,130 |
| Net loans and leases to deposits | 92.6680% | 1,269 |
| Net loans and leases to core deposits | 93.9871% | 1,989 |
| Total domestic deposits to total assets | 83.9283% | 3,549 |
| Equity capital to assets | 9.8510% | 4,269 |
| Core capital (leverage) ratio | 10.0383% | 3,491 |
| Tier 1 risk-based capital ratio | 11.4221% | 5,270 |
| Total risk-based capital ratio | 12.5087% | 5,269 |
| Memoranda: | ||
| Average total assets | $248,601,000 | 2,554 |
| Average earning assets | $231,232,000 | 2,539 |
| Average equity | $24,237,000 | 2,814 |
| Average total loans | $193,746,000 | 2,174 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1198% | 2,845 |
| Cost of funding earning assets | 0.5066% | 2,104 |
| Net interest margin | 3.6132% | 3,083 |
| Noninterest income to average assets | 1.4063% | 612 |
| Noninterest expense to average assets | 3.2958% | 1,730 |
| Loan and lease loss provision to assets | 0.0304% | 3,765 |
| Net operating income to assets | 0.9235% | 2,738 |
| Return on assets (ROA) | 0.9235% | 2,831 |
| Pretax return on assets | 1.4214% | 1,818 |
| Return on Equity (ROE) | 9.5866% | 2,184 |
| Retained earnings to average equity (ytd only) | 9.5866% | 520 |
| Net charge-offs to loans | -0.0027% | 4,902 |
| Credit loss provision to net charge-offs | -1,440.0000% | 5,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4200% | 3,319 |
| Assets per employee ($millions) | 3.5961% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 3,342 |
| Loan loss allowance to noncurrent loans | 172.8951% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 3,278 |
| Noncurrent loans to loans | 0.7072% | 3,068 |
| Net loans and leases to total assets | 76.2141% | 1,377 |
| Net loans and leases to deposits | 88.6056% | 1,799 |
| Net loans and leases to core deposits | 89.6957% | 2,434 |
| Total domestic deposits to total assets | 86.0150% | 2,635 |
| Equity capital to assets | 9.6474% | 4,377 |
| Core capital (leverage) ratio | 9.9750% | 3,546 |
| Tier 1 risk-based capital ratio | 11.2946% | 5,381 |
| Total risk-based capital ratio | 12.4000% | 5,347 |
| Memoranda: | ||
| Average total assets | $237,152,400 | 2,604 |
| Average earning assets | $219,306,400 | 2,593 |
| Average equity | $22,844,400 | 2,891 |
| Average total loans | $182,846,600 | 2,211 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 2,902 |
| Cost of funding earning assets | 0.4372% | 2,827 |
| Net interest margin | 3.6712% | 2,882 |
| Noninterest income to average assets | 1.3992% | 635 |
| Noninterest expense to average assets | 3.4008% | 1,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9032% | 2,951 |
| Return on assets (ROA) | 0.9032% | 3,032 |
| Pretax return on assets | 1.3896% | 2,056 |
| Return on Equity (ROE) | 9.3805% | 2,366 |
| Retained earnings to average equity (ytd only) | 9.3805% | 768 |
| Net charge-offs to loans | 0.0015% | 4,135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1,219.9438% | 59 |
| Efficiency ratio | 70.9926% | 3,047 |
| Assets per employee ($millions) | 3.2959% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 3,617 |
| Loan loss allowance to noncurrent loans | 114.9390% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.1728% | 2,020 |
| Noncurrent loans to loans | 1.0493% | 2,384 |
| Net loans and leases to total assets | 78.0850% | 1,085 |
| Net loans and leases to deposits | 94.4579% | 1,144 |
| Net loans and leases to core deposits | 97.0279% | 1,788 |
| Total domestic deposits to total assets | 82.6665% | 3,934 |
| Equity capital to assets | 9.8617% | 4,327 |
| Core capital (leverage) ratio | 9.9063% | 3,761 |
| Tier 1 risk-based capital ratio | 11.2451% | 5,525 |
| Total risk-based capital ratio | 12.3359% | 5,508 |
| Memoranda: | ||
| Average total assets | $234,408,000 | 2,644 |
| Average earning assets | $216,526,250 | 2,636 |
| Average equity | $22,571,000 | 2,932 |
| Average total loans | $180,695,500 | 2,237 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9824% | 3,366 |
| Cost of funding earning assets | 0.4483% | 2,749 |
| Net interest margin | 3.5341% | 3,360 |
| Noninterest income to average assets | 1.4899% | 573 |
| Noninterest expense to average assets | 3.3893% | 1,488 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8979% | 2,887 |
| Return on assets (ROA) | 0.8979% | 3,016 |
| Pretax return on assets | 1.3759% | 2,080 |
| Return on Equity (ROE) | 9.4016% | 2,336 |
| Retained earnings to average equity (ytd only) | 9.4016% | 800 |
| Net charge-offs to loans | -0.1043% | 5,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1255% | 3,140 |
| Assets per employee ($millions) | 3.2827% | 5,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 3,343 |
| Loan loss allowance to noncurrent loans | 72.6124% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.4130% | 1,777 |
| Noncurrent loans to loans | 1.7644% | 1,450 |
| Net loans and leases to total assets | 75.7858% | 1,395 |
| Net loans and leases to deposits | 90.6093% | 1,525 |
| Net loans and leases to core deposits | 93.0193% | 2,066 |
| Total domestic deposits to total assets | 83.6402% | 3,718 |
| Equity capital to assets | 9.5274% | 4,619 |
| Core capital (leverage) ratio | 9.7164% | 3,979 |
| Tier 1 risk-based capital ratio | 11.0024% | 5,708 |
| Total risk-based capital ratio | 12.1408% | 5,686 |
| Memoranda: | ||
| Average total assets | $233,443,000 | 2,672 |
| Average earning assets | $216,351,330 | 2,654 |
| Average equity | $22,294,000 | 2,972 |
| Average total loans | $178,407,330 | 2,272 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9449% | 3,438 |
| Cost of funding earning assets | 0.4749% | 2,506 |
| Net interest margin | 3.4700% | 3,553 |
| Noninterest income to average assets | 1.3163% | 660 |
| Noninterest expense to average assets | 3.3393% | 1,622 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7884% | 3,322 |
| Return on assets (ROA) | 0.7884% | 3,456 |
| Pretax return on assets | 1.1999% | 2,666 |
| Return on Equity (ROE) | 8.2450% | 2,830 |
| Retained earnings to average equity (ytd only) | 8.2450% | 1,474 |
| Net charge-offs to loans | -0.2460% | 6,101 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5654% | 2,889 |
| Assets per employee ($millions) | 3.0824% | 5,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 3,218 |
| Loan loss allowance to noncurrent loans | 77.5417% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.4227% | 1,863 |
| Noncurrent loans to loans | 1.7221% | 1,591 |
| Net loans and leases to total assets | 75.8122% | 1,237 |
| Net loans and leases to deposits | 88.2698% | 1,588 |
| Net loans and leases to core deposits | 91.2007% | 2,009 |
| Total domestic deposits to total assets | 85.8869% | 3,002 |
| Equity capital to assets | 9.6309% | 4,594 |
| Core capital (leverage) ratio | 9.6129% | 4,129 |
| Tier 1 risk-based capital ratio | 10.8909% | 5,855 |
| Total risk-based capital ratio | 12.0554% | 5,819 |
| Memoranda: | ||
| Average total assets | $230,346,500 | 2,719 |
| Average earning assets | $213,948,500 | 2,692 |
| Average equity | $22,025,500 | 3,016 |
| Average total loans | $175,627,500 | 2,310 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 2,690 |
| Cost of funding earning assets | 0.5310% | 2,381 |
| Net interest margin | 3.7457% | 2,821 |
| Noninterest income to average assets | 1.2510% | 777 |
| Noninterest expense to average assets | 3.6620% | 1,206 |
| Loan and lease loss provision to assets | -0.1103% | 6,164 |
| Net operating income to assets | 0.7638% | 3,547 |
| Return on assets (ROA) | 0.7656% | 3,642 |
| Pretax return on assets | 1.1539% | 2,856 |
| Return on Equity (ROE) | 8.1779% | 3,036 |
| Retained earnings to average equity (ytd only) | 2.8846% | 4,184 |
| Net charge-offs to loans | 0.0926% | 3,170 |
| Credit loss provision to net charge-offs | -157.2327% | 5,584 |
| Earnings coverage of net charge-offs (x) | 14.8365% | 2,124 |
| Efficiency ratio | 77.8664% | 2,226 |
| Assets per employee ($millions) | 3.1015% | 5,563 |
| Cash dividends to net income (ytd only)* | 64.7262% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 3,402 |
| Loan loss allowance to noncurrent loans | 67.7641% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 1.6344% | 1,652 |
| Noncurrent loans to loans | 1.9243% | 1,462 |
| Net loans and leases to total assets | 74.6608% | 1,468 |
| Net loans and leases to deposits | 86.7852% | 1,873 |
| Net loans and leases to core deposits | 90.6314% | 2,221 |
| Total domestic deposits to total assets | 86.0294% | 2,823 |
| Equity capital to assets | 9.4924% | 4,734 |
| Core capital (leverage) ratio | 9.4346% | 4,331 |
| Tier 1 risk-based capital ratio | 11.8925% | 5,430 |
| Total risk-based capital ratio | 13.1310% | 5,349 |
| Memoranda: | ||
| Average total assets | $226,623,400 | 2,727 |
| Average earning assets | $208,854,200 | 2,720 |
| Average equity | $21,215,800 | 3,030 |
| Average total loans | $171,621,000 | 2,308 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3207% | 2,540 |
| Cost of funding earning assets | 0.5329% | 2,440 |
| Net interest margin | 3.7878% | 2,666 |
| Noninterest income to average assets | 1.2572% | 763 |
| Noninterest expense to average assets | 3.5283% | 1,416 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8051% | 3,410 |
| Return on assets (ROA) | 0.8074% | 3,493 |
| Pretax return on assets | 1.2188% | 2,707 |
| Return on Equity (ROE) | 8.6553% | 2,873 |
| Retained earnings to average equity (ytd only) | 1.5501% | 5,267 |
| Net charge-offs to loans | 0.0888% | 2,941 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 18.0609% | 1,865 |
| Efficiency ratio | 74.3810% | 2,761 |
| Assets per employee ($millions) | 3.0639% | 5,660 |
| Cash dividends to net income (ytd only)* | 82.0911% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 2,737 |
| Loan loss allowance to noncurrent loans | 103.3522% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.1606% | 2,626 |
| Noncurrent loans to loans | 1.4471% | 2,251 |
| Net loans and leases to total assets | 73.3464% | 1,621 |
| Net loans and leases to deposits | 86.8885% | 1,805 |
| Net loans and leases to core deposits | 90.8088% | 2,146 |
| Total domestic deposits to total assets | 84.4144% | 3,582 |
| Equity capital to assets | 9.3486% | 4,978 |
| Core capital (leverage) ratio | 9.4462% | 4,441 |
| Tier 1 risk-based capital ratio | 11.7335% | 5,656 |
| Total risk-based capital ratio | 12.9852% | 5,575 |
| Memoranda: | ||
| Average total assets | $225,901,750 | 2,754 |
| Average earning assets | $207,925,000 | 2,744 |
| Average equity | $21,073,250 | 3,055 |
| Average total loans | $171,121,750 | 2,331 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3168% | 2,531 |
| Cost of funding earning assets | 0.5362% | 2,477 |
| Net interest margin | 3.7806% | 2,632 |
| Noninterest income to average assets | 1.0240% | 1,137 |
| Noninterest expense to average assets | 3.4443% | 1,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7070% | 3,800 |
| Return on assets (ROA) | 0.7106% | 3,876 |
| Pretax return on assets | 1.0632% | 3,236 |
| Return on Equity (ROE) | 7.6229% | 3,309 |
| Retained earnings to average equity (ytd only) | -3.1046% | 6,106 |
| Net charge-offs to loans | 0.0234% | 3,733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 59.4000% | 811 |
| Efficiency ratio | 76.5032% | 2,538 |
| Assets per employee ($millions) | 3.0820% | 5,621 |
| Cash dividends to net income (ytd only)* | 140.7268% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5465% | 2,682 |
| Loan loss allowance to noncurrent loans | 91.2939% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.4925% | 2,184 |
| Noncurrent loans to loans | 1.6940% | 2,050 |
| Net loans and leases to total assets | 74.0554% | 1,436 |
| Net loans and leases to deposits | 87.4973% | 1,657 |
| Net loans and leases to core deposits | 92.4601% | 1,903 |
| Total domestic deposits to total assets | 84.6374% | 3,667 |
| Equity capital to assets | 9.1833% | 5,122 |
| Core capital (leverage) ratio | 9.2642% | 4,646 |
| Tier 1 risk-based capital ratio | 11.2026% | 5,954 |
| Total risk-based capital ratio | 12.4551% | 5,895 |
| Memoranda: | ||
| Average total assets | $224,606,000 | 2,773 |
| Average earning assets | $206,634,000 | 2,767 |
| Average equity | $20,937,000 | 3,064 |
| Average total loans | $171,128,670 | 2,328 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3362% | 2,383 |
| Cost of funding earning assets | 0.6543% | 1,561 |
| Net interest margin | 3.6818% | 2,940 |
| Noninterest income to average assets | 0.9727% | 1,191 |
| Noninterest expense to average assets | 3.3687% | 1,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6640% | 3,874 |
| Return on assets (ROA) | 0.6640% | 3,964 |
| Pretax return on assets | 0.9871% | 3,375 |
| Return on Equity (ROE) | 7.0700% | 3,438 |
| Retained earnings to average equity (ytd only) | -14.3884% | 6,455 |
| Net charge-offs to loans | 0.0047% | 3,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 275.0000% | 172 |
| Efficiency ratio | 77.3383% | 2,587 |
| Assets per employee ($millions) | 3.1249% | 5,641 |
| Cash dividends to net income (ytd only)* | 303.5135% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5703% | 2,832 |
| Loan loss allowance to noncurrent loans | 101.7136% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.4196% | 2,499 |
| Noncurrent loans to loans | 1.5439% | 2,497 |
| Net loans and leases to total assets | 74.4110% | 1,204 |
| Net loans and leases to deposits | 89.8205% | 1,170 |
| Net loans and leases to core deposits | 96.3696% | 1,358 |
| Total domestic deposits to total assets | 82.8441% | 4,663 |
| Equity capital to assets | 9.1331% | 4,965 |
| Core capital (leverage) ratio | 9.3253% | 4,534 |
| Tier 1 risk-based capital ratio | 11.2697% | 6,034 |
| Total risk-based capital ratio | 12.5225% | 5,981 |
| Memoranda: | ||
| Average total assets | $222,875,500 | 2,798 |
| Average earning assets | $204,788,500 | 2,799 |
| Average equity | $20,933,500 | 3,061 |
| Average total loans | $170,918,500 | 2,333 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7910% | 1,343 |
| Cost of funding earning assets | 0.7113% | 1,735 |
| Net interest margin | 4.0798% | 1,704 |
| Noninterest income to average assets | 1.2778% | 848 |
| Noninterest expense to average assets | 3.5742% | 1,496 |
| Loan and lease loss provision to assets | 0.0554% | 4,037 |
| Net operating income to assets | 0.9032% | 2,762 |
| Return on assets (ROA) | 0.9032% | 2,845 |
| Pretax return on assets | 1.3765% | 1,875 |
| Return on Equity (ROE) | 9.3832% | 2,374 |
| Retained earnings to average equity (ytd only) | 2.4249% | 4,523 |
| Net charge-offs to loans | 0.0159% | 5,126 |
| Credit loss provision to net charge-offs | 444.4444% | 516 |
| Earnings coverage of net charge-offs (x) | 114.9630% | 412 |
| Efficiency ratio | 71.3970% | 3,591 |
| Assets per employee ($millions) | 3.1537% | 5,585 |
| Cash dividends to net income (ytd only)* | 74.1573% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5558% | 2,938 |
| Loan loss allowance to noncurrent loans | 88.0395% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.5565% | 2,392 |
| Noncurrent loans to loans | 1.7672% | 2,280 |
| Net loans and leases to total assets | 76.5882% | 995 |
| Net loans and leases to deposits | 93.3378% | 930 |
| Net loans and leases to core deposits | 100.3526% | 1,127 |
| Total domestic deposits to total assets | 82.0548% | 4,854 |
| Equity capital to assets | 9.6568% | 4,211 |
| Core capital (leverage) ratio | 9.7270% | 3,950 |
| Tier 1 risk-based capital ratio | 11.6266% | 5,839 |
| Total risk-based capital ratio | 12.8796% | 5,774 |
| Memoranda: | ||
| Average total assets | $216,775,400 | 2,840 |
| Average earning assets | $198,100,000 | 2,848 |
| Average equity | $20,867,000 | 3,065 |
| Average total loans | $170,188,200 | 2,300 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8334% | 1,279 |
| Cost of funding earning assets | 0.7222% | 1,791 |
| Net interest margin | 4.1112% | 1,599 |
| Noninterest income to average assets | 1.3415% | 816 |
| Noninterest expense to average assets | 3.6660% | 1,294 |
| Loan and lease loss provision to assets | 0.0488% | 4,035 |
| Net operating income to assets | 0.9095% | 2,784 |
| Return on assets (ROA) | 0.9095% | 2,890 |
| Pretax return on assets | 1.3835% | 1,986 |
| Return on Equity (ROE) | 9.4565% | 2,420 |
| Retained earnings to average equity (ytd only) | 1.5868% | 5,338 |
| Net charge-offs to loans | 0.0432% | 4,295 |
| Credit loss provision to net charge-offs | 143.6364% | 1,636 |
| Earnings coverage of net charge-offs (x) | 42.1463% | 968 |
| Efficiency ratio | 71.9064% | 3,420 |
| Assets per employee ($millions) | 2.9585% | 5,913 |
| Cash dividends to net income (ytd only)* | 83.2199% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 3,397 |
| Loan loss allowance to noncurrent loans | 92.7986% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.5242% | 2,642 |
| Noncurrent loans to loans | 1.6317% | 2,731 |
| Net loans and leases to total assets | 77.3335% | 832 |
| Net loans and leases to deposits | 95.9007% | 697 |
| Net loans and leases to core deposits | 100.5541% | 1,074 |
| Total domestic deposits to total assets | 80.6391% | 5,323 |
| Equity capital to assets | 9.6126% | 4,402 |
| Core capital (leverage) ratio | 9.8482% | 3,895 |
| Tier 1 risk-based capital ratio | 11.3610% | 6,120 |
| Total risk-based capital ratio | 12.6130% | 6,093 |
| Memoranda: | ||
| Average total assets | $215,780,250 | 2,877 |
| Average earning assets | $197,179,250 | 2,882 |
| Average equity | $20,754,250 | 3,103 |
| Average total loans | $169,799,000 | 2,315 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8879% | 1,123 |
| Cost of funding earning assets | 0.7395% | 1,776 |
| Net interest margin | 4.1484% | 1,413 |
| Noninterest income to average assets | 1.4455% | 756 |
| Noninterest expense to average assets | 3.6865% | 1,270 |
| Loan and lease loss provision to assets | 0.0736% | 3,569 |
| Net operating income to assets | 0.9593% | 2,515 |
| Return on assets (ROA) | 0.9593% | 2,667 |
| Pretax return on assets | 1.4632% | 1,731 |
| Return on Equity (ROE) | 9.9722% | 2,211 |
| Retained earnings to average equity (ytd only) | -1.8879% | 6,180 |
| Net charge-offs to loans | 0.0319% | 4,241 |
| Credit loss provision to net charge-offs | 292.5926% | 886 |
| Earnings coverage of net charge-offs (x) | 61.1111% | 690 |
| Efficiency ratio | 70.5777% | 3,715 |
| Assets per employee ($millions) | 2.7346% | 6,244 |
| Cash dividends to net income (ytd only)* | 118.9320% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 3,366 |
| Loan loss allowance to noncurrent loans | 89.0355% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.6466% | 2,636 |
| Noncurrent loans to loans | 1.7406% | 2,711 |
| Net loans and leases to total assets | 79.3779% | 595 |
| Net loans and leases to deposits | 95.0772% | 731 |
| Net loans and leases to core deposits | 99.8685% | 1,086 |
| Total domestic deposits to total assets | 83.4879% | 4,512 |
| Equity capital to assets | 9.8029% | 4,180 |
| Core capital (leverage) ratio | 9.7097% | 3,923 |
| Tier 1 risk-based capital ratio | 11.3287% | 6,187 |
| Total risk-based capital ratio | 12.5815% | 6,153 |
| Memoranda: | ||
| Average total assets | $214,730,000 | 2,904 |
| Average earning assets | $195,545,000 | 2,922 |
| Average equity | $20,657,330 | 3,131 |
| Average total loans | $169,095,330 | 2,317 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7505% | 1,402 |
| Cost of funding earning assets | 0.7477% | 1,868 |
| Net interest margin | 4.0028% | 1,771 |
| Noninterest income to average assets | 1.4962% | 691 |
| Noninterest expense to average assets | 3.4887% | 1,645 |
| Loan and lease loss provision to assets | 0.1457% | 2,420 |
| Net operating income to assets | 0.9815% | 2,313 |
| Return on assets (ROA) | 0.9796% | 2,450 |
| Pretax return on assets | 1.4944% | 1,568 |
| Return on Equity (ROE) | 10.2780% | 1,963 |
| Retained earnings to average equity (ytd only) | -9.4844% | 6,593 |
| Net charge-offs to loans | -0.2110% | 6,691 |
| Credit loss provision to net charge-offs | -88.7640% | 5,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9971% | 4,307 |
| Assets per employee ($millions) | 2.7736% | 6,315 |
| Cash dividends to net income (ytd only)* | 192.2787% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 3,350 |
| Loan loss allowance to noncurrent loans | 83.9291% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.6803% | 2,768 |
| Noncurrent loans to loans | 1.9207% | 2,712 |
| Net loans and leases to total assets | 79.5388% | 468 |
| Net loans and leases to deposits | 95.5328% | 566 |
| Net loans and leases to core deposits | 101.2446% | 875 |
| Total domestic deposits to total assets | 83.2581% | 4,774 |
| Equity capital to assets | 9.6805% | 4,590 |
| Core capital (leverage) ratio | 9.4405% | 4,182 |
| Tier 1 risk-based capital ratio | 11.4882% | 6,191 |
| Total risk-based capital ratio | 12.7419% | 6,165 |
| Memoranda: | ||
| Average total assets | $216,814,500 | 2,914 |
| Average earning assets | $196,862,500 | 2,934 |
| Average equity | $20,665,500 | 3,184 |
| Average total loans | $168,758,000 | 2,336 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1756% | 1,161 |
| Cost of funding earning assets | 0.9231% | 1,800 |
| Net interest margin | 4.2525% | 1,515 |
| Noninterest income to average assets | 1.6657% | 579 |
| Noninterest expense to average assets | 3.7306% | 1,360 |
| Loan and lease loss provision to assets | 0.2576% | 2,588 |
| Net operating income to assets | 1.0198% | 2,254 |
| Return on assets (ROA) | 1.0216% | 2,463 |
| Pretax return on assets | 1.5519% | 1,512 |
| Return on Equity (ROE) | 10.7036% | 1,905 |
| Retained earnings to average equity (ytd only) | 3.6955% | 3,616 |
| Net charge-offs to loans | 0.1544% | 4,156 |
| Credit loss provision to net charge-offs | 225.4098% | 1,104 |
| Earnings coverage of net charge-offs (x) | 15.8074% | 1,630 |
| Efficiency ratio | 67.3716% | 4,256 |
| Assets per employee ($millions) | 2.8940% | 6,160 |
| Cash dividends to net income (ytd only)* | 65.4746% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5433% | 3,554 |
| Loan loss allowance to noncurrent loans | 75.3213% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 1.6263% | 2,960 |
| Noncurrent loans to loans | 2.0490% | 2,645 |
| Net loans and leases to total assets | 73.8336% | 1,219 |
| Net loans and leases to deposits | 87.6192% | 1,316 |
| Net loans and leases to core deposits | 94.3578% | 1,435 |
| Total domestic deposits to total assets | 84.2664% | 4,197 |
| Equity capital to assets | 9.3904% | 5,010 |
| Core capital (leverage) ratio | 9.3032% | 4,413 |
| Tier 1 risk-based capital ratio | 11.8721% | 5,861 |
| Total risk-based capital ratio | 13.1248% | 5,819 |
| Memoranda: | ||
| Average total assets | $213,478,400 | 2,896 |
| Average earning assets | $194,354,600 | 2,906 |
| Average equity | $20,376,400 | 3,155 |
| Average total loans | $158,032,400 | 2,456 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3026% | 1,009 |
| Cost of funding earning assets | 0.9622% | 1,772 |
| Net interest margin | 4.3404% | 1,372 |
| Noninterest income to average assets | 1.4619% | 695 |
| Noninterest expense to average assets | 3.5824% | 1,585 |
| Loan and lease loss provision to assets | 0.2084% | 2,992 |
| Net operating income to assets | 1.0729% | 2,198 |
| Return on assets (ROA) | 1.0754% | 2,389 |
| Pretax return on assets | 1.6374% | 1,458 |
| Return on Equity (ROE) | 11.2188% | 1,882 |
| Retained earnings to average equity (ytd only) | 4.4928% | 3,735 |
| Net charge-offs to loans | 0.0300% | 5,234 |
| Credit loss provision to net charge-offs | 942.8571% | 304 |
| Earnings coverage of net charge-offs (x) | 83.3349% | 494 |
| Efficiency ratio | 66.0419% | 4,446 |
| Assets per employee ($millions) | 2.8500% | 6,292 |
| Cash dividends to net income (ytd only)* | 59.9531% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 3,828 |
| Loan loss allowance to noncurrent loans | 68.8287% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.7490% | 2,981 |
| Noncurrent loans to loans | 2.2194% | 2,595 |
| Net loans and leases to total assets | 74.4694% | 1,176 |
| Net loans and leases to deposits | 89.3591% | 1,216 |
| Net loans and leases to core deposits | 97.8942% | 1,269 |
| Total domestic deposits to total assets | 83.3372% | 4,506 |
| Equity capital to assets | 9.4067% | 5,322 |
| Core capital (leverage) ratio | 9.4123% | 4,413 |
| Tier 1 risk-based capital ratio | 11.5193% | 6,216 |
| Total risk-based capital ratio | 12.7715% | 6,186 |
| Memoranda: | ||
| Average total assets | $211,139,250 | 2,945 |
| Average earning assets | $192,756,500 | 2,954 |
| Average equity | $20,239,250 | 3,206 |
| Average total loans | $155,764,000 | 2,522 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3516% | 956 |
| Cost of funding earning assets | 1.0123% | 1,691 |
| Net interest margin | 4.3394% | 1,369 |
| Noninterest income to average assets | 1.3663% | 767 |
| Noninterest expense to average assets | 3.5194% | 1,740 |
| Loan and lease loss provision to assets | 0.2603% | 2,495 |
| Net operating income to assets | 1.0212% | 2,379 |
| Return on assets (ROA) | 1.0250% | 2,586 |
| Pretax return on assets | 1.5563% | 1,691 |
| Return on Equity (ROE) | 10.6219% | 2,124 |
| Retained earnings to average equity (ytd only) | 0.4297% | 5,898 |
| Net charge-offs to loans | -0.0528% | 6,676 |
| Credit loss provision to net charge-offs | -675.0000% | 6,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0275% | 4,531 |
| Assets per employee ($millions) | 2.8626% | 6,296 |
| Cash dividends to net income (ytd only)* | 95.9548% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6246% | 3,515 |
| Loan loss allowance to noncurrent loans | 64.2058% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 1.9180% | 2,885 |
| Noncurrent loans to loans | 2.5303% | 2,380 |
| Net loans and leases to total assets | 73.8366% | 1,273 |
| Net loans and leases to deposits | 94.3854% | 737 |
| Net loans and leases to core deposits | 108.6348% | 634 |
| Total domestic deposits to total assets | 78.2288% | 6,110 |
| Equity capital to assets | 9.5496% | 4,989 |
| Core capital (leverage) ratio | 9.5929% | 4,012 |
| Tier 1 risk-based capital ratio | 11.7410% | 6,092 |
| Total risk-based capital ratio | 12.9946% | 6,069 |
| Memoranda: | ||
| Average total assets | $207,419,670 | 3,003 |
| Average earning assets | $189,474,330 | 3,002 |
| Average equity | $20,015,330 | 3,219 |
| Average total loans | $151,648,000 | 2,592 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1791% | 1,360 |
| Cost of funding earning assets | 1.0610% | 1,615 |
| Net interest margin | 4.1181% | 2,032 |
| Noninterest income to average assets | 1.3976% | 738 |
| Noninterest expense to average assets | 3.4091% | 1,988 |
| Loan and lease loss provision to assets | 0.1676% | 3,298 |
| Net operating income to assets | 1.0448% | 2,309 |
| Return on assets (ROA) | 1.0467% | 2,489 |
| Pretax return on assets | 1.5827% | 1,624 |
| Return on Equity (ROE) | 10.7894% | 2,109 |
| Retained earnings to average equity (ytd only) | -9.7044% | 6,831 |
| Net charge-offs to loans | 0.0865% | 3,648 |
| Credit loss provision to net charge-offs | 268.7500% | 1,083 |
| Earnings coverage of net charge-offs (x) | 28.0313% | 977 |
| Efficiency ratio | 66.0998% | 4,539 |
| Assets per employee ($millions) | 2.8334% | 6,457 |
| Cash dividends to net income (ytd only)* | 189.9441% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5704% | 3,846 |
| Loan loss allowance to noncurrent loans | 46.3546% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 2.5465% | 2,322 |
| Noncurrent loans to loans | 3.3878% | 1,864 |
| Net loans and leases to total assets | 71.4937% | 1,484 |
| Net loans and leases to deposits | 88.0997% | 1,150 |
| Net loans and leases to core deposits | 98.7622% | 1,066 |
| Total domestic deposits to total assets | 81.1509% | 5,561 |
| Equity capital to assets | 9.6630% | 4,572 |
| Core capital (leverage) ratio | 9.4450% | 4,125 |
| Tier 1 risk-based capital ratio | 11.9717% | 5,977 |
| Total risk-based capital ratio | 13.2241% | 5,971 |
| Memoranda: | ||
| Average total assets | $205,214,500 | 3,049 |
| Average earning assets | $187,368,000 | 3,047 |
| Average equity | $19,908,500 | 3,233 |
| Average total loans | $147,976,500 | 2,664 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3417% | 1,586 |
| Cost of funding earning assets | 1.4027% | 1,027 |
| Net interest margin | 3.9391% | 3,160 |
| Noninterest income to average assets | 1.2621% | 813 |
| Noninterest expense to average assets | 3.6492% | 1,639 |
| Loan and lease loss provision to assets | 0.0992% | 5,349 |
| Net operating income to assets | 0.7579% | 3,225 |
| Return on assets (ROA) | 0.7579% | 3,387 |
| Pretax return on assets | 1.1158% | 2,776 |
| Return on Equity (ROE) | 7.8992% | 2,964 |
| Retained earnings to average equity (ytd only) | 0.0665% | 5,804 |
| Net charge-offs to loans | 0.2995% | 3,903 |
| Credit loss provision to net charge-offs | 43.0704% | 5,574 |
| Earnings coverage of net charge-offs (x) | 5.2772% | 2,843 |
| Efficiency ratio | 75.0227% | 3,056 |
| Assets per employee ($millions) | 2.8277% | 6,414 |
| Cash dividends to net income (ytd only)* | 99.1580% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5375% | 3,840 |
| Loan loss allowance to noncurrent loans | 36.0292% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 3.0573% | 1,961 |
| Noncurrent loans to loans | 4.2673% | 1,431 |
| Net loans and leases to total assets | 70.4876% | 1,935 |
| Net loans and leases to deposits | 87.7937% | 1,410 |
| Net loans and leases to core deposits | 95.8594% | 1,505 |
| Total domestic deposits to total assets | 80.2878% | 5,666 |
| Equity capital to assets | 9.7391% | 4,527 |
| Core capital (leverage) ratio | 9.8426% | 3,526 |
| Tier 1 risk-based capital ratio | 12.4110% | 5,522 |
| Total risk-based capital ratio | 13.6634% | 5,500 |
| Memoranda: | ||
| Average total assets | $203,715,000 | 3,014 |
| Average earning assets | $186,288,000 | 3,015 |
| Average equity | $19,546,400 | 3,206 |
| Average total loans | $156,591,600 | 2,548 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4854% | 1,284 |
| Cost of funding earning assets | 1.4908% | 897 |
| Net interest margin | 3.9945% | 2,931 |
| Noninterest income to average assets | 1.1216% | 1,051 |
| Noninterest expense to average assets | 3.6708% | 1,564 |
| Loan and lease loss provision to assets | 0.1024% | 5,164 |
| Net operating income to assets | 0.6882% | 3,679 |
| Return on assets (ROA) | 0.6882% | 3,846 |
| Pretax return on assets | 1.0027% | 3,386 |
| Return on Equity (ROE) | 7.2000% | 3,425 |
| Retained earnings to average equity (ytd only) | -3.3183% | 6,446 |
| Net charge-offs to loans | 0.0101% | 6,016 |
| Credit loss provision to net charge-offs | 1,300.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 140.2463% | 269 |
| Efficiency ratio | 76.8596% | 2,697 |
| Assets per employee ($millions) | 2.5763% | 6,810 |
| Cash dividends to net income (ytd only)* | 146.0875% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8111% | 2,905 |
| Loan loss allowance to noncurrent loans | 42.9761% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 3.1926% | 2,004 |
| Noncurrent loans to loans | 4.2142% | 1,556 |
| Net loans and leases to total assets | 74.2906% | 1,280 |
| Net loans and leases to deposits | 91.1254% | 1,095 |
| Net loans and leases to core deposits | 102.0514% | 1,094 |
| Total domestic deposits to total assets | 81.5257% | 5,249 |
| Equity capital to assets | 10.0242% | 4,306 |
| Core capital (leverage) ratio | 9.5728% | 4,034 |
| Tier 1 risk-based capital ratio | 12.2085% | 5,737 |
| Total risk-based capital ratio | 13.4638% | 5,717 |
| Memoranda: | ||
| Average total assets | $203,037,500 | 3,043 |
| Average earning assets | $185,750,750 | 3,026 |
| Average equity | $19,407,000 | 3,227 |
| Average total loans | $158,795,500 | 2,536 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5296% | 1,236 |
| Cost of funding earning assets | 1.5693% | 794 |
| Net interest margin | 3.9603% | 3,038 |
| Noninterest income to average assets | 1.0367% | 1,233 |
| Noninterest expense to average assets | 3.6447% | 1,637 |
| Loan and lease loss provision to assets | 0.1412% | 4,543 |
| Net operating income to assets | 0.6094% | 4,016 |
| Return on assets (ROA) | 0.6094% | 4,146 |
| Pretax return on assets | 0.8771% | 3,729 |
| Return on Equity (ROE) | 6.4757% | 3,719 |
| Retained earnings to average equity (ytd only) | -9.3619% | 6,850 |
| Net charge-offs to loans | -0.0123% | 6,731 |
| Credit loss provision to net charge-offs | -1,450.0000% | 6,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1628% | 2,682 |
| Assets per employee ($millions) | 2.5363% | 6,870 |
| Cash dividends to net income (ytd only)* | 244.5687% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7499% | 3,151 |
| Loan loss allowance to noncurrent loans | 39.6935% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 3.4425% | 1,915 |
| Noncurrent loans to loans | 4.4084% | 1,524 |
| Net loans and leases to total assets | 74.5475% | 1,315 |
| Net loans and leases to deposits | 90.1926% | 1,248 |
| Net loans and leases to core deposits | 109.2941% | 744 |
| Total domestic deposits to total assets | 82.6536% | 4,924 |
| Equity capital to assets | 9.4511% | 4,888 |
| Core capital (leverage) ratio | 9.1424% | 4,501 |
| Tier 1 risk-based capital ratio | 11.7025% | 6,010 |
| Total risk-based capital ratio | 12.9579% | 6,011 |
| Memoranda: | ||
| Average total assets | $205,451,330 | 3,026 |
| Average earning assets | $188,115,330 | 3,023 |
| Average equity | $19,333,670 | 3,223 |
| Average total loans | $162,347,000 | 2,507 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6406% | 989 |
| Cost of funding earning assets | 1.6964% | 558 |
| Net interest margin | 3.9442% | 2,940 |
| Noninterest income to average assets | 0.9094% | 1,634 |
| Noninterest expense to average assets | 3.4868% | 2,040 |
| Loan and lease loss provision to assets | 0.1548% | 4,090 |
| Net operating income to assets | 0.6153% | 3,966 |
| Return on assets (ROA) | 0.6153% | 4,029 |
| Pretax return on assets | 0.8804% | 3,576 |
| Return on Equity (ROE) | 6.5526% | 3,604 |
| Retained earnings to average equity (ytd only) | -24.9948% | 7,240 |
| Net charge-offs to loans | 0.0072% | 5,015 |
| Credit loss provision to net charge-offs | 2,666.6667% | 148 |
| Earnings coverage of net charge-offs (x) | 178.3333% | 178 |
| Efficiency ratio | 77.1074% | 2,971 |
| Assets per employee ($millions) | 2.5751% | 6,878 |
| Cash dividends to net income (ytd only)* | 481.4465% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 3,934 |
| Loan loss allowance to noncurrent loans | 45.7023% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 2.7825% | 2,475 |
| Noncurrent loans to loans | 3.4039% | 2,201 |
| Net loans and leases to total assets | 80.3592% | 481 |
| Net loans and leases to deposits | 97.0557% | 619 |
| Net loans and leases to core deposits | 118.0333% | 471 |
| Total domestic deposits to total assets | 82.7970% | 4,997 |
| Equity capital to assets | 9.1483% | 4,960 |
| Core capital (leverage) ratio | 9.0653% | 4,500 |
| Tier 1 risk-based capital ratio | 11.0544% | 6,472 |
| Total risk-based capital ratio | 12.3079% | 6,448 |
| Memoranda: | ||
| Average total assets | $206,723,500 | 3,026 |
| Average earning assets | $189,341,500 | 3,023 |
| Average equity | $19,412,000 | 3,203 |
| Average total loans | $166,542,500 | 2,477 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1052% | 693 |
| Cost of funding earning assets | 1.8930% | 864 |
| Net interest margin | 4.2122% | 2,137 |
| Noninterest income to average assets | 1.2616% | 930 |
| Noninterest expense to average assets | 3.9957% | 1,166 |
| Loan and lease loss provision to assets | 0.0744% | 6,406 |
| Net operating income to assets | 0.7550% | 2,981 |
| Return on assets (ROA) | 0.7789% | 3,013 |
| Pretax return on assets | 1.0982% | 2,586 |
| Return on Equity (ROE) | 8.3476% | 2,555 |
| Retained earnings to average equity (ytd only) | 0.8277% | 5,139 |
| Net charge-offs to loans | 0.0849% | 5,988 |
| Credit loss provision to net charge-offs | 112.1429% | 3,898 |
| Earnings coverage of net charge-offs (x) | 17.1714% | 1,170 |
| Efficiency ratio | 77.8188% | 2,736 |
| Assets per employee ($millions) | 2.7659% | 6,581 |
| Cash dividends to net income (ytd only)* | 90.0852% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 3,824 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 2.4518% | 2,823 |
| Noncurrent loans to loans | 3.0790% | 2,476 |
| Net loans and leases to total assets | 78.2802% | 900 |
| Net loans and leases to deposits | 94.9870% | 957 |
| Net loans and leases to core deposits | 116.2957% | 632 |
| Total domestic deposits to total assets | 82.4115% | 5,057 |
| Equity capital to assets | 9.6306% | 4,233 |
| Core capital (leverage) ratio | 9.4473% | 3,773 |
| Tier 1 risk-based capital ratio | 11.8768% | 5,597 |
| Total risk-based capital ratio | 13.1299% | 5,574 |
| Memoranda: | ||
| Average total assets | $211,076,600 | 2,971 |
| Average earning assets | $194,080,400 | 2,950 |
| Average equity | $19,694,200 | 3,189 |
| Average total loans | $164,849,400 | 2,549 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9846% | 967 |
| Cost of funding earning assets | 1.9796% | 803 |
| Net interest margin | 4.0050% | 3,082 |
| Noninterest income to average assets | 1.2145% | 943 |
| Noninterest expense to average assets | 3.8731% | 1,238 |
| Loan and lease loss provision to assets | 0.0761% | 6,287 |
| Net operating income to assets | 0.6920% | 3,453 |
| Return on assets (ROA) | 0.7246% | 3,454 |
| Pretax return on assets | 0.9963% | 3,199 |
| Return on Equity (ROE) | 7.8272% | 2,977 |
| Retained earnings to average equity (ytd only) | -2.2354% | 6,245 |
| Net charge-offs to loans | 0.0623% | 5,890 |
| Credit loss provision to net charge-offs | 157.1429% | 2,431 |
| Earnings coverage of net charge-offs (x) | 21.2216% | 1,135 |
| Efficiency ratio | 79.0298% | 2,483 |
| Assets per employee ($millions) | 2.8871% | 6,407 |
| Cash dividends to net income (ytd only)* | 128.5593% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5754% | 3,638 |
| Loan loss allowance to noncurrent loans | 72.7737% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.8651% | 3,653 |
| Noncurrent loans to loans | 2.1648% | 3,489 |
| Net loans and leases to total assets | 77.1214% | 1,197 |
| Net loans and leases to deposits | 94.2674% | 1,175 |
| Net loans and leases to core deposits | 117.4687% | 701 |
| Total domestic deposits to total assets | 81.8113% | 5,069 |
| Equity capital to assets | 9.3996% | 4,984 |
| Core capital (leverage) ratio | 9.3231% | 4,176 |
| Tier 1 risk-based capital ratio | 11.2665% | 6,131 |
| Total risk-based capital ratio | 12.5192% | 6,124 |
| Memoranda: | ||
| Average total assets | $211,985,250 | 3,008 |
| Average earning assets | $195,116,750 | 2,980 |
| Average equity | $19,623,250 | 3,237 |
| Average total loans | $164,830,500 | 2,590 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8886% | 1,214 |
| Cost of funding earning assets | 2.0471% | 782 |
| Net interest margin | 3.8415% | 3,707 |
| Noninterest income to average assets | 1.1596% | 957 |
| Noninterest expense to average assets | 3.6633% | 1,640 |
| Loan and lease loss provision to assets | 0.0675% | 6,280 |
| Net operating income to assets | 0.7138% | 3,342 |
| Return on assets (ROA) | 0.7630% | 3,290 |
| Pretax return on assets | 1.0311% | 3,001 |
| Return on Equity (ROE) | 8.2844% | 2,770 |
| Retained earnings to average equity (ytd only) | -2.0966% | 6,160 |
| Net charge-offs to loans | 0.0145% | 6,138 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 91.7500% | 357 |
| Efficiency ratio | 78.0196% | 2,725 |
| Assets per employee ($millions) | 2.9094% | 6,336 |
| Cash dividends to net income (ytd only)* | 125.3071% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 3,482 |
| Loan loss allowance to noncurrent loans | 99.6526% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 1.3410% | 4,477 |
| Noncurrent loans to loans | 1.5980% | 4,314 |
| Net loans and leases to total assets | 77.2463% | 1,246 |
| Net loans and leases to deposits | 94.4786% | 1,212 |
| Net loans and leases to core deposits | 116.2809% | 837 |
| Total domestic deposits to total assets | 81.7606% | 5,085 |
| Equity capital to assets | 9.5157% | 4,683 |
| Core capital (leverage) ratio | 9.2275% | 4,256 |
| Tier 1 risk-based capital ratio | 11.2114% | 6,030 |
| Total risk-based capital ratio | 12.4641% | 6,009 |
| Memoranda: | ||
| Average total assets | $213,356,670 | 3,016 |
| Average earning assets | $196,379,670 | 2,995 |
| Average equity | $19,651,330 | 3,223 |
| Average total loans | $165,481,000 | 2,616 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7844% | 1,506 |
| Cost of funding earning assets | 2.1369% | 721 |
| Net interest margin | 3.6475% | 4,502 |
| Noninterest income to average assets | 1.1645% | 909 |
| Noninterest expense to average assets | 3.1354% | 3,120 |
| Loan and lease loss provision to assets | 0.0664% | 5,972 |
| Net operating income to assets | 0.8451% | 2,773 |
| Return on assets (ROA) | 0.8876% | 2,668 |
| Pretax return on assets | 1.3933% | 1,794 |
| Return on Equity (ROE) | 9.7918% | 2,173 |
| Retained earnings to average equity (ytd only) | -10.9726% | 7,012 |
| Net charge-offs to loans | 0.0335% | 5,110 |
| Credit loss provision to net charge-offs | 257.1429% | 1,511 |
| Earnings coverage of net charge-offs (x) | 53.9286% | 540 |
| Efficiency ratio | 69.2339% | 4,464 |
| Assets per employee ($millions) | 3.0311% | 6,142 |
| Cash dividends to net income (ytd only)* | 212.0582% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 3,773 |
| Loan loss allowance to noncurrent loans | 75.3331% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.7041% | 3,925 |
| Noncurrent loans to loans | 2.0252% | 3,757 |
| Net loans and leases to total assets | 78.5137% | 1,058 |
| Net loans and leases to deposits | 95.6092% | 1,158 |
| Net loans and leases to core deposits | 119.6523% | 799 |
| Total domestic deposits to total assets | 82.1194% | 5,027 |
| Equity capital to assets | 9.2587% | 4,899 |
| Core capital (leverage) ratio | 9.0567% | 4,461 |
| Tier 1 risk-based capital ratio | 10.7420% | 6,396 |
| Total risk-based capital ratio | 11.9945% | 6,380 |
| Memoranda: | ||
| Average total assets | $216,753,000 | 3,029 |
| Average earning assets | $199,916,500 | 3,003 |
| Average equity | $19,649,000 | 3,247 |
| Average total loans | $167,149,000 | 2,659 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7574% | 411 |
| Cost of funding earning assets | 2.4820% | 1,065 |
| Net interest margin | 4.2754% | 1,799 |
| Noninterest income to average assets | 1.1867% | 1,093 |
| Noninterest expense to average assets | 2.9265% | 4,435 |
| Loan and lease loss provision to assets | 0.7111% | 2,986 |
| Net operating income to assets | 0.9901% | 1,869 |
| Return on assets (ROA) | 0.9901% | 1,920 |
| Pretax return on assets | 1.5174% | 1,142 |
| Return on Equity (ROE) | 11.6585% | 1,249 |
| Retained earnings to average equity (ytd only) | 11.6585% | 236 |
| Net charge-offs to loans | 0.7646% | 2,913 |
| Credit loss provision to net charge-offs | 117.1642% | 4,628 |
| Earnings coverage of net charge-offs (x) | 3.6716% | 3,251 |
| Efficiency ratio | 56.7701% | 6,919 |
| Assets per employee ($millions) | 3.3487% | 5,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 3,697 |
| Loan loss allowance to noncurrent loans | 90.9484% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 1.3193% | 4,453 |
| Noncurrent loans to loans | 1.6550% | 4,166 |
| Net loans and leases to total assets | 73.5531% | 2,369 |
| Net loans and leases to deposits | 88.4284% | 2,483 |
| Net loans and leases to core deposits | 115.7915% | 2,340 |
| Total domestic deposits to total assets | 83.1782% | 4,437 |
| Equity capital to assets | 8.8847% | 5,304 |
| Core capital (leverage) ratio | 8.9881% | 4,441 |
| Tier 1 risk-based capital ratio | 11.2478% | 5,667 |
| Total risk-based capital ratio | 12.4931% | 5,626 |
| Memoranda: | ||
| Average total assets | $220,776,000 | 2,930 |
| Average earning assets | $204,914,800 | 2,907 |
| Average equity | $18,750,200 | 3,380 |
| Average total loans | $175,243,600 | 2,569 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7695% | 446 |
| Cost of funding earning assets | 2.5948% | 1,046 |
| Net interest margin | 4.1747% | 2,137 |
| Noninterest income to average assets | 1.1958% | 1,082 |
| Noninterest expense to average assets | 2.9264% | 4,331 |
| Loan and lease loss provision to assets | 0.9520% | 2,022 |
| Net operating income to assets | 0.7980% | 2,824 |
| Return on assets (ROA) | 0.7980% | 2,888 |
| Pretax return on assets | 1.1982% | 2,266 |
| Return on Equity (ROE) | 9.5079% | 2,094 |
| Retained earnings to average equity (ytd only) | 9.5079% | 729 |
| Net charge-offs to loans | 0.9181% | 2,134 |
| Credit loss provision to net charge-offs | 128.6885% | 3,895 |
| Earnings coverage of net charge-offs (x) | 2.9065% | 3,773 |
| Efficiency ratio | 57.6445% | 6,767 |
| Assets per employee ($millions) | 3.1638% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5063% | 3,401 |
| Loan loss allowance to noncurrent loans | 65.0258% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 2.0462% | 3,291 |
| Noncurrent loans to loans | 2.3165% | 3,246 |
| Net loans and leases to total assets | 79.1340% | 1,360 |
| Net loans and leases to deposits | 95.1435% | 1,691 |
| Net loans and leases to core deposits | 134.7257% | 1,165 |
| Total domestic deposits to total assets | 83.1734% | 4,133 |
| Equity capital to assets | 8.7649% | 5,859 |
| Core capital (leverage) ratio | 8.6417% | 5,240 |
| Tier 1 risk-based capital ratio | 10.1664% | 6,816 |
| Total risk-based capital ratio | 11.4185% | 6,752 |
| Memoranda: | ||
| Average total assets | $219,879,250 | 2,958 |
| Average earning assets | $204,400,750 | 2,927 |
| Average equity | $18,454,250 | 3,460 |
| Average total loans | $177,167,500 | 2,576 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7308% | 515 |
| Cost of funding earning assets | 2.4449% | 1,797 |
| Net interest margin | 4.2859% | 1,686 |
| Noninterest income to average assets | 1.4600% | 698 |
| Noninterest expense to average assets | 3.2858% | 3,022 |
| Loan and lease loss provision to assets | 0.6080% | 2,620 |
| Net operating income to assets | 1.0336% | 1,995 |
| Return on assets (ROA) | 1.0336% | 2,074 |
| Pretax return on assets | 1.5462% | 1,338 |
| Return on Equity (ROE) | 12.4975% | 1,289 |
| Retained earnings to average equity (ytd only) | 12.4975% | 381 |
| Net charge-offs to loans | 0.6166% | 2,491 |
| Credit loss provision to net charge-offs | 122.2628% | 3,803 |
| Earnings coverage of net charge-offs (x) | 4.3321% | 3,132 |
| Efficiency ratio | 60.4003% | 6,480 |
| Assets per employee ($millions) | 3.3255% | 5,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 3,983 |
| Loan loss allowance to noncurrent loans | 59.1377% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 2.2448% | 2,900 |
| Noncurrent loans to loans | 2.2810% | 3,158 |
| Net loans and leases to total assets | 80.4368% | 1,237 |
| Net loans and leases to deposits | 100.6040% | 1,224 |
| Net loans and leases to core deposits | 143.7534% | 846 |
| Total domestic deposits to total assets | 79.9538% | 5,489 |
| Equity capital to assets | 8.6075% | 5,886 |
| Core capital (leverage) ratio | 8.4030% | 5,608 |
| Tier 1 risk-based capital ratio | 9.8847% | 7,053 |
| Total risk-based capital ratio | 11.0834% | 7,040 |
| Memoranda: | ||
| Average total assets | $220,404,670 | 2,968 |
| Average earning assets | $204,672,000 | 2,942 |
| Average equity | $18,227,670 | 3,520 |
| Average total loans | $177,758,670 | 2,605 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6796% | 602 |
| Cost of funding earning assets | 2.4831% | 1,978 |
| Net interest margin | 4.1965% | 1,910 |
| Noninterest income to average assets | 1.5340% | 590 |
| Noninterest expense to average assets | 3.1947% | 3,003 |
| Loan and lease loss provision to assets | 0.5433% | 2,297 |
| Net operating income to assets | 1.1156% | 1,907 |
| Return on assets (ROA) | 1.1156% | 2,031 |
| Pretax return on assets | 1.6861% | 1,204 |
| Return on Equity (ROE) | 13.7688% | 1,213 |
| Retained earnings to average equity (ytd only) | 13.7688% | 532 |
| Net charge-offs to loans | 0.2755% | 3,022 |
| Credit loss provision to net charge-offs | 245.9016% | 1,903 |
| Earnings coverage of net charge-offs (x) | 10.0902% | 1,979 |
| Efficiency ratio | 58.8982% | 6,564 |
| Assets per employee ($millions) | 3.2715% | 5,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4035% | 3,480 |
| Loan loss allowance to noncurrent loans | 67.2475% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 2.1138% | 2,732 |
| Noncurrent loans to loans | 2.0871% | 3,138 |
| Net loans and leases to total assets | 80.3607% | 1,320 |
| Net loans and leases to deposits | 103.6653% | 1,033 |
| Net loans and leases to core deposits | 140.4051% | 1,083 |
| Total domestic deposits to total assets | 77.5193% | 6,141 |
| Equity capital to assets | 8.4652% | 6,127 |
| Core capital (leverage) ratio | 8.1431% | 6,197 |
| Tier 1 risk-based capital ratio | 9.6209% | 7,317 |
| Total risk-based capital ratio | 10.8717% | 7,258 |
| Memoranda: | ||
| Average total assets | $220,865,500 | 2,979 |
| Average earning assets | $204,742,500 | 2,951 |
| Average equity | $17,895,500 | 3,576 |
| Average total loans | $177,158,500 | 2,626 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1243% | 878 |
| Cost of funding earning assets | 3.1663% | 1,295 |
| Net interest margin | 3.9580% | 3,319 |
| Noninterest income to average assets | 0.8131% | 2,437 |
| Noninterest expense to average assets | 2.8006% | 4,811 |
| Loan and lease loss provision to assets | 0.4849% | 2,876 |
| Net operating income to assets | 0.8507% | 3,221 |
| Return on assets (ROA) | 0.8497% | 3,060 |
| Pretax return on assets | 1.1778% | 2,731 |
| Return on Equity (ROE) | 10.6927% | 2,016 |
| Retained earnings to average equity (ytd only) | 8.5837% | 683 |
| Net charge-offs to loans | 0.4601% | 2,527 |
| Credit loss provision to net charge-offs | 134.3303% | 3,962 |
| Earnings coverage of net charge-offs (x) | 4.6099% | 3,923 |
| Efficiency ratio | 62.7274% | 5,825 |
| Assets per employee ($millions) | 3.3703% | 5,034 |
| Cash dividends to net income (ytd only)* | 19.7238% | 4,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 3,890 |
| Loan loss allowance to noncurrent loans | 54.0694% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 2.1655% | 2,258 |
| Noncurrent loans to loans | 2.3770% | 2,316 |
| Net loans and leases to total assets | 77.9591% | 2,151 |
| Net loans and leases to deposits | 99.6310% | 1,882 |
| Net loans and leases to core deposits | 136.6173% | 1,456 |
| Total domestic deposits to total assets | 78.2478% | 5,631 |
| Equity capital to assets | 7.7556% | 7,150 |
| Core capital (leverage) ratio | 7.7769% | 6,837 |
| Tier 1 risk-based capital ratio | 9.2148% | 7,598 |
| Total risk-based capital ratio | 10.4218% | 7,606 |
| Memoranda: | ||
| Average total assets | $213,023,000 | 2,966 |
| Average earning assets | $196,537,800 | 2,932 |
| Average equity | $16,927,400 | 3,752 |
| Average total loans | $167,138,000 | 2,669 |