Home > United Bank > Performance and Condition Ratios
United Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4212% | 1,273 |
| Cost of funding earning assets | 0.3692% | 4,317 |
| Net interest margin | 5.0520% | 294 |
| Noninterest income to average assets | 1.3000% | 458 |
| Noninterest expense to average assets | 2.4090% | 2,563 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 2.7877% | 188 |
| Return on assets (ROA) | 2.7877% | 189 |
| Pretax return on assets | 3.5967% | 142 |
| Return on Equity (ROE) | 32.5600% | 148 |
| Retained earnings to average equity (ytd only) | 21.6248% | 112 |
| Net charge-offs to loans | 0.2574% | 412 |
| Credit loss provision to net charge-offs | 117.0134% | 1,701 |
| Earnings coverage of net charge-offs (x) | 38.8608% | 1,462 |
| Efficiency ratio | 39.3793% | 4,375 |
| Assets per employee ($millions) | 5.4958% | 3,256 |
| Cash dividends to net income (ytd only)* | 33.5834% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7798% | 560 |
| Loan loss allowance to noncurrent loans | 275.8332% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 1,955 |
| Noncurrent loans to loans | 0.6452% | 1,214 |
| Net loans and leases to total assets | 38.2800% | 4,089 |
| Net loans and leases to deposits | 42.7387% | 4,135 |
| Net loans and leases to core deposits | 43.1550% | 4,219 |
| Total domestic deposits to total assets | 89.5700% | 887 |
| Equity capital to assets | 9.6967% | 2,200 |
| Core capital (leverage) ratio | 10.9594% | 1,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4206% | 395 |
| Memoranda: | ||
| Average total assets | $2,266,638,400 | 506 |
| Average earning assets | $2,160,688,000 | 487 |
| Average equity | $194,064,200 | 556 |
| Average total loans | $840,218,000 | 833 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3345% | 1,234 |
| Cost of funding earning assets | 0.3423% | 4,322 |
| Net interest margin | 4.9922% | 308 |
| Noninterest income to average assets | 1.3000% | 459 |
| Noninterest expense to average assets | 2.3655% | 2,612 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 2.8716% | 192 |
| Return on assets (ROA) | 2.8716% | 192 |
| Pretax return on assets | 3.6680% | 143 |
| Return on Equity (ROE) | 34.6700% | 163 |
| Retained earnings to average equity (ytd only) | 19.6568% | 272 |
| Net charge-offs to loans | 0.0837% | 887 |
| Credit loss provision to net charge-offs | 100.0000% | 1,617 |
| Earnings coverage of net charge-offs (x) | 120.6941% | 839 |
| Efficiency ratio | 39.0081% | 4,382 |
| Assets per employee ($millions) | 5.3294% | 3,321 |
| Cash dividends to net income (ytd only)* | 43.2982% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7578% | 618 |
| Loan loss allowance to noncurrent loans | 233.1636% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 1,809 |
| Noncurrent loans to loans | 0.7539% | 1,103 |
| Net loans and leases to total assets | 39.1200% | 4,088 |
| Net loans and leases to deposits | 43.2179% | 4,126 |
| Net loans and leases to core deposits | 43.6338% | 4,180 |
| Total domestic deposits to total assets | 90.5200% | 801 |
| Equity capital to assets | 8.7542% | 2,568 |
| Core capital (leverage) ratio | 10.2963% | 2,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1218% | 481 |
| Memoranda: | ||
| Average total assets | $2,275,477,750 | 509 |
| Average earning assets | $2,170,236,750 | 490 |
| Average equity | $188,490,250 | 560 |
| Average total loans | $832,874,250 | 837 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1477% | 1,290 |
| Cost of funding earning assets | 0.3047% | 4,307 |
| Net interest margin | 4.8430% | 380 |
| Noninterest income to average assets | 1.2700% | 409 |
| Noninterest expense to average assets | 2.3074% | 2,783 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 2.7799% | 179 |
| Return on assets (ROA) | 2.7799% | 177 |
| Pretax return on assets | 3.5725% | 138 |
| Return on Equity (ROE) | 34.1600% | 158 |
| Retained earnings to average equity (ytd only) | 34.1622% | 65 |
| Net charge-offs to loans | 0.0539% | 983 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 187.2297% | 645 |
| Efficiency ratio | 39.1141% | 4,415 |
| Assets per employee ($millions) | 5.6178% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7692% | 657 |
| Loan loss allowance to noncurrent loans | 177.9204% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 1,408 |
| Noncurrent loans to loans | 0.9944% | 762 |
| Net loans and leases to total assets | 37.4200% | 4,138 |
| Net loans and leases to deposits | 41.3739% | 4,177 |
| Net loans and leases to core deposits | 41.7419% | 4,221 |
| Total domestic deposits to total assets | 90.4500% | 798 |
| Equity capital to assets | 8.9305% | 2,565 |
| Core capital (leverage) ratio | 10.3273% | 2,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5841% | 453 |
| Memoranda: | ||
| Average total assets | $2,314,500,667 | 491 |
| Average earning assets | $2,210,009,000 | 471 |
| Average equity | $188,336,667 | 554 |
| Average total loans | $823,988,000 | 826 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9874% | 1,248 |
| Cost of funding earning assets | 0.2691% | 4,259 |
| Net interest margin | 4.7182% | 429 |
| Noninterest income to average assets | 1.2500% | 418 |
| Noninterest expense to average assets | 2.1683% | 3,193 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.8141% | 180 |
| Return on assets (ROA) | 2.8141% | 177 |
| Pretax return on assets | 3.5883% | 130 |
| Return on Equity (ROE) | 36.2700% | 145 |
| Retained earnings to average equity (ytd only) | 36.2686% | 76 |
| Net charge-offs to loans | 0.0069% | 1,692 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 1,507.4286% | 57 |
| Efficiency ratio | 37.6507% | 4,498 |
| Assets per employee ($millions) | 5.8517% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8261% | 631 |
| Loan loss allowance to noncurrent loans | 158.1101% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 1,229 |
| Noncurrent loans to loans | 1.1549% | 610 |
| Net loans and leases to total assets | 35.5900% | 4,206 |
| Net loans and leases to deposits | 39.2084% | 4,247 |
| Net loans and leases to core deposits | 39.5241% | 4,283 |
| Total domestic deposits to total assets | 90.7800% | 873 |
| Equity capital to assets | 8.4080% | 2,960 |
| Core capital (leverage) ratio | 9.3304% | 3,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4851% | 536 |
| Memoranda: | ||
| Average total assets | $2,351,005,000 | 501 |
| Average earning assets | $2,247,107,500 | 473 |
| Average equity | $182,416,500 | 578 |
| Average total loans | $808,991,500 | 849 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2334% | 3,755 |
| Cost of funding earning assets | 0.0901% | 4,429 |
| Net interest margin | 3.1433% | 3,046 |
| Noninterest income to average assets | 1.2700% | 417 |
| Noninterest expense to average assets | 2.0828% | 3,346 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.7915% | 451 |
| Return on assets (ROA) | 1.7915% | 433 |
| Pretax return on assets | 2.1856% | 333 |
| Return on Equity (ROE) | 24.8700% | 217 |
| Retained earnings to average equity (ytd only) | 17.3640% | 158 |
| Net charge-offs to loans | 0.0941% | 756 |
| Credit loss provision to net charge-offs | 100.0000% | 1,554 |
| Earnings coverage of net charge-offs (x) | 74.6529% | 1,124 |
| Efficiency ratio | 48.4596% | 4,214 |
| Assets per employee ($millions) | 6.1262% | 2,654 |
| Cash dividends to net income (ytd only)* | 30.1784% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9111% | 525 |
| Loan loss allowance to noncurrent loans | 170.5305% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 1,399 |
| Noncurrent loans to loans | 1.1207% | 642 |
| Net loans and leases to total assets | 32.0500% | 4,338 |
| Net loans and leases to deposits | 34.7456% | 4,373 |
| Net loans and leases to core deposits | 34.9980% | 4,396 |
| Total domestic deposits to total assets | 92.2300% | 577 |
| Equity capital to assets | 7.1471% | 3,585 |
| Core capital (leverage) ratio | 8.3942% | 4,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2827% | 605 |
| Memoranda: | ||
| Average total assets | $2,369,081,800 | 473 |
| Average earning assets | $2,285,343,000 | 447 |
| Average equity | $170,657,600 | 611 |
| Average total loans | $746,966,200 | 862 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8239% | 4,160 |
| Cost of funding earning assets | 0.0670% | 4,494 |
| Net interest margin | 2.7569% | 3,822 |
| Noninterest income to average assets | 1.2600% | 462 |
| Noninterest expense to average assets | 2.0393% | 3,379 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5702% | 706 |
| Return on assets (ROA) | 1.5702% | 683 |
| Pretax return on assets | 1.8829% | 608 |
| Return on Equity (ROE) | 21.7500% | 308 |
| Retained earnings to average equity (ytd only) | 21.7541% | 68 |
| Net charge-offs to loans | 0.0058% | 1,955 |
| Credit loss provision to net charge-offs | 100.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 1,040.9063% | 145 |
| Efficiency ratio | 51.9697% | 4,010 |
| Assets per employee ($millions) | 6.1177% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9993% | 508 |
| Loan loss allowance to noncurrent loans | 265.7228% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 2,029 |
| Noncurrent loans to loans | 0.7524% | 1,083 |
| Net loans and leases to total assets | 31.1200% | 4,393 |
| Net loans and leases to deposits | 33.6249% | 4,427 |
| Net loans and leases to core deposits | 33.9012% | 4,443 |
| Total domestic deposits to total assets | 92.5500% | 701 |
| Equity capital to assets | 7.0341% | 3,499 |
| Core capital (leverage) ratio | 8.3621% | 4,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1584% | 548 |
| Memoranda: | ||
| Average total assets | $2,356,389,250 | 475 |
| Average earning assets | $2,277,698,750 | 446 |
| Average equity | $170,084,750 | 616 |
| Average total loans | $736,064,500 | 865 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4234% | 4,445 |
| Cost of funding earning assets | 0.0573% | 4,548 |
| Net interest margin | 2.3661% | 4,266 |
| Noninterest income to average assets | 1.2746% | 440 |
| Noninterest expense to average assets | 2.0414% | 3,320 |
| Loan and lease loss provision to assets | -0.0037% | 4,373 |
| Net operating income to assets | 1.3635% | 992 |
| Return on assets (ROA) | 1.3635% | 968 |
| Pretax return on assets | 1.5263% | 1,109 |
| Return on Equity (ROE) | 18.7296% | 403 |
| Retained earnings to average equity (ytd only) | 18.7296% | 102 |
| Net charge-offs to loans | -0.0118% | 3,638 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2780% | 3,645 |
| Assets per employee ($millions) | 6.1128% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0690% | 477 |
| Loan loss allowance to noncurrent loans | 274.8590% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 2,167 |
| Noncurrent loans to loans | 0.7528% | 1,141 |
| Net loans and leases to total assets | 29.8447% | 4,464 |
| Net loans and leases to deposits | 32.1854% | 4,495 |
| Net loans and leases to core deposits | 32.4453% | 4,522 |
| Total domestic deposits to total assets | 92.7274% | 581 |
| Equity capital to assets | 6.9547% | 3,794 |
| Core capital (leverage) ratio | 7.9637% | 4,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6262% | 574 |
| Memoranda: | ||
| Average total assets | $2,348,586,333 | 473 |
| Average earning assets | $2,272,392,333 | 450 |
| Average equity | $170,980,333 | 618 |
| Average total loans | $729,511,667 | 861 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1970% | 4,532 |
| Cost of funding earning assets | 0.0542% | 4,566 |
| Net interest margin | 2.1428% | 4,404 |
| Noninterest income to average assets | 1.3269% | 415 |
| Noninterest expense to average assets | 1.9899% | 3,453 |
| Loan and lease loss provision to assets | -0.0021% | 4,397 |
| Net operating income to assets | 1.4761% | 667 |
| Return on assets (ROA) | 1.4761% | 658 |
| Pretax return on assets | 1.4126% | 1,219 |
| Return on Equity (ROE) | 19.8192% | 234 |
| Retained earnings to average equity (ytd only) | 19.8192% | 97 |
| Net charge-offs to loans | -0.0066% | 3,437 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5184% | 3,632 |
| Assets per employee ($millions) | 6.0708% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0613% | 560 |
| Loan loss allowance to noncurrent loans | 268.6522% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2401% | 2,196 |
| Noncurrent loans to loans | 0.7673% | 1,242 |
| Net loans and leases to total assets | 30.3211% | 4,440 |
| Net loans and leases to deposits | 32.7864% | 4,471 |
| Net loans and leases to core deposits | 33.0506% | 4,507 |
| Total domestic deposits to total assets | 92.4808% | 407 |
| Equity capital to assets | 7.1860% | 4,107 |
| Core capital (leverage) ratio | 7.8890% | 4,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5114% | 600 |
| Memoranda: | ||
| Average total assets | $2,324,775,000 | 479 |
| Average earning assets | $2,249,629,500 | 460 |
| Average equity | $173,145,500 | 627 |
| Average total loans | $729,142,500 | 857 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5090% | 4,472 |
| Cost of funding earning assets | 0.0952% | 4,417 |
| Net interest margin | 2.4138% | 4,312 |
| Noninterest income to average assets | 1.4888% | 506 |
| Noninterest expense to average assets | 2.1767% | 3,154 |
| Loan and lease loss provision to assets | 0.0027% | 3,022 |
| Net operating income to assets | 1.6356% | 729 |
| Return on assets (ROA) | 1.6356% | 769 |
| Pretax return on assets | 1.6356% | 1,321 |
| Return on Equity (ROE) | 19.0217% | 377 |
| Retained earnings to average equity (ytd only) | 6.7005% | 2,038 |
| Net charge-offs to loans | 0.0076% | 2,295 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 604.5263% | 235 |
| Efficiency ratio | 57.0558% | 3,570 |
| Assets per employee ($millions) | 5.6906% | 3,067 |
| Cash dividends to net income (ytd only)* | 64.7743% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0832% | 536 |
| Loan loss allowance to noncurrent loans | 247.0405% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.2680% | 2,207 |
| Noncurrent loans to loans | 0.8433% | 1,206 |
| Net loans and leases to total assets | 31.1218% | 4,478 |
| Net loans and leases to deposits | 33.8450% | 4,531 |
| Net loans and leases to core deposits | 34.1496% | 4,551 |
| Total domestic deposits to total assets | 91.9540% | 191 |
| Equity capital to assets | 7.7195% | 4,497 |
| Core capital (leverage) ratio | 7.8449% | 4,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1193% | 639 |
| Memoranda: | ||
| Average total assets | $2,103,267,800 | 510 |
| Average earning assets | $2,026,898,000 | 486 |
| Average equity | $180,851,400 | 601 |
| Average total loans | $745,542,200 | 838 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5580% | 4,532 |
| Cost of funding earning assets | 0.1004% | 4,502 |
| Net interest margin | 2.4577% | 4,336 |
| Noninterest income to average assets | 1.5034% | 544 |
| Noninterest expense to average assets | 2.2285% | 2,977 |
| Loan and lease loss provision to assets | -0.0146% | 4,335 |
| Net operating income to assets | 1.6544% | 909 |
| Return on assets (ROA) | 1.6544% | 954 |
| Pretax return on assets | 1.6544% | 1,538 |
| Return on Equity (ROE) | 18.7104% | 544 |
| Retained earnings to average equity (ytd only) | 18.7104% | 174 |
| Net charge-offs to loans | -0.0401% | 4,256 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6098% | 3,334 |
| Assets per employee ($millions) | 5.4473% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0480% | 582 |
| Loan loss allowance to noncurrent loans | 235.3793% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2961% | 2,291 |
| Noncurrent loans to loans | 0.8701% | 1,319 |
| Net loans and leases to total assets | 33.3314% | 4,496 |
| Net loans and leases to deposits | 36.7357% | 4,554 |
| Net loans and leases to core deposits | 37.1697% | 4,591 |
| Total domestic deposits to total assets | 90.7330% | 454 |
| Equity capital to assets | 8.9037% | 3,917 |
| Core capital (leverage) ratio | 8.7260% | 3,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9411% | 541 |
| Memoranda: | ||
| Average total assets | $2,058,605,000 | 520 |
| Average earning assets | $1,980,901,500 | 502 |
| Average equity | $182,026,250 | 604 |
| Average total loans | $750,606,750 | 849 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5548% | 4,580 |
| Cost of funding earning assets | 0.1018% | 4,570 |
| Net interest margin | 2.4529% | 4,363 |
| Noninterest income to average assets | 1.5330% | 527 |
| Noninterest expense to average assets | 2.2490% | 2,921 |
| Loan and lease loss provision to assets | -0.0135% | 4,415 |
| Net operating income to assets | 1.6613% | 936 |
| Return on assets (ROA) | 1.6613% | 988 |
| Pretax return on assets | 1.6613% | 1,585 |
| Return on Equity (ROE) | 18.8353% | 555 |
| Retained earnings to average equity (ytd only) | 18.8353% | 193 |
| Net charge-offs to loans | -0.0360% | 4,229 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7132% | 3,321 |
| Assets per employee ($millions) | 5.2292% | 3,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0693% | 531 |
| Loan loss allowance to noncurrent loans | 226.1826% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 2,319 |
| Noncurrent loans to loans | 0.9149% | 1,353 |
| Net loans and leases to total assets | 34.2706% | 4,530 |
| Net loans and leases to deposits | 37.7307% | 4,588 |
| Net loans and leases to core deposits | 38.2094% | 4,622 |
| Total domestic deposits to total assets | 90.8294% | 426 |
| Equity capital to assets | 8.8793% | 3,911 |
| Core capital (leverage) ratio | 8.5595% | 3,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7068% | 564 |
| Memoranda: | ||
| Average total assets | $2,022,135,333 | 521 |
| Average earning assets | $1,948,677,333 | 506 |
| Average equity | $178,357,000 | 610 |
| Average total loans | $754,896,000 | 846 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5399% | 4,620 |
| Cost of funding earning assets | 0.1079% | 4,604 |
| Net interest margin | 2.4319% | 4,381 |
| Noninterest income to average assets | 1.5600% | 569 |
| Noninterest expense to average assets | 2.2052% | 3,093 |
| Loan and lease loss provision to assets | -0.0197% | 4,604 |
| Net operating income to assets | 1.7118% | 921 |
| Return on assets (ROA) | 1.7118% | 971 |
| Pretax return on assets | 1.7118% | 1,465 |
| Return on Equity (ROE) | 19.4758% | 573 |
| Retained earnings to average equity (ytd only) | 19.4758% | 290 |
| Net charge-offs to loans | -0.0511% | 4,401 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5836% | 3,480 |
| Assets per employee ($millions) | 5.1203% | 3,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0148% | 583 |
| Loan loss allowance to noncurrent loans | 204.9790% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3599% | 2,358 |
| Noncurrent loans to loans | 0.9829% | 1,371 |
| Net loans and leases to total assets | 35.8768% | 4,507 |
| Net loans and leases to deposits | 39.3695% | 4,586 |
| Net loans and leases to core deposits | 39.8563% | 4,626 |
| Total domestic deposits to total assets | 91.1284% | 358 |
| Equity capital to assets | 8.6625% | 3,987 |
| Core capital (leverage) ratio | 8.6876% | 3,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9334% | 590 |
| Memoranda: | ||
| Average total assets | $1,989,979,000 | 520 |
| Average earning assets | $1,912,552,000 | 507 |
| Average equity | $174,904,500 | 613 |
| Average total loans | $767,270,500 | 836 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4558% | 4,105 |
| Cost of funding earning assets | 0.1822% | 4,638 |
| Net interest margin | 3.2736% | 3,150 |
| Noninterest income to average assets | 1.7191% | 424 |
| Noninterest expense to average assets | 2.6088% | 2,522 |
| Loan and lease loss provision to assets | 0.1595% | 2,377 |
| Net operating income to assets | 2.0873% | 223 |
| Return on assets (ROA) | 2.0873% | 240 |
| Pretax return on assets | 2.0873% | 369 |
| Return on Equity (ROE) | 20.9360% | 189 |
| Retained earnings to average equity (ytd only) | 8.2184% | 988 |
| Net charge-offs to loans | -0.0109% | 4,275 |
| Credit loss provision to net charge-offs | -3,268.6747% | 4,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7267% | 4,241 |
| Assets per employee ($millions) | 4.7817% | 3,624 |
| Cash dividends to net income (ytd only)* | 60.7454% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9256% | 683 |
| Loan loss allowance to noncurrent loans | 216.4303% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.3614% | 2,537 |
| Noncurrent loans to loans | 0.8897% | 1,581 |
| Net loans and leases to total assets | 39.8337% | 4,449 |
| Net loans and leases to deposits | 43.8773% | 4,532 |
| Net loans and leases to core deposits | 44.4189% | 4,588 |
| Total domestic deposits to total assets | 90.7844% | 283 |
| Equity capital to assets | 8.9236% | 4,123 |
| Core capital (leverage) ratio | 8.7764% | 3,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8724% | 674 |
| Memoranda: | ||
| Average total assets | $1,700,697,000 | 557 |
| Average earning assets | $1,629,451,800 | 534 |
| Average equity | $169,559,400 | 602 |
| Average total loans | $761,634,600 | 814 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6754% | 3,847 |
| Cost of funding earning assets | 0.2037% | 4,663 |
| Net interest margin | 3.4716% | 2,686 |
| Noninterest income to average assets | 1.7361% | 389 |
| Noninterest expense to average assets | 2.6560% | 2,371 |
| Loan and lease loss provision to assets | 0.1865% | 2,122 |
| Net operating income to assets | 2.2180% | 200 |
| Return on assets (ROA) | 2.2180% | 216 |
| Pretax return on assets | 2.2180% | 328 |
| Return on Equity (ROE) | 21.5805% | 189 |
| Retained earnings to average equity (ytd only) | 21.5805% | 66 |
| Net charge-offs to loans | -0.0635% | 4,738 |
| Credit loss provision to net charge-offs | -638.3333% | 3,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4857% | 4,294 |
| Assets per employee ($millions) | 4.4117% | 3,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8595% | 634 |
| Loan loss allowance to noncurrent loans | 191.7147% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 2,412 |
| Noncurrent loans to loans | 0.9699% | 1,543 |
| Net loans and leases to total assets | 44.2229% | 4,410 |
| Net loans and leases to deposits | 49.5797% | 4,498 |
| Net loans and leases to core deposits | 50.2074% | 4,575 |
| Total domestic deposits to total assets | 89.1956% | 687 |
| Equity capital to assets | 10.4343% | 2,843 |
| Core capital (leverage) ratio | 9.9938% | 2,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0642% | 777 |
| Memoranda: | ||
| Average total assets | $1,642,915,000 | 561 |
| Average earning assets | $1,573,246,000 | 540 |
| Average equity | $168,852,000 | 595 |
| Average total loans | $755,886,500 | 811 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9663% | 3,413 |
| Cost of funding earning assets | 0.2360% | 4,665 |
| Net interest margin | 3.7303% | 2,050 |
| Noninterest income to average assets | 1.6736% | 377 |
| Noninterest expense to average assets | 2.6832% | 2,434 |
| Loan and lease loss provision to assets | 0.2729% | 1,571 |
| Net operating income to assets | 2.2807% | 202 |
| Return on assets (ROA) | 2.2807% | 217 |
| Pretax return on assets | 2.2807% | 314 |
| Return on Equity (ROE) | 22.3177% | 153 |
| Retained earnings to average equity (ytd only) | 22.3177% | 68 |
| Net charge-offs to loans | -0.0993% | 4,846 |
| Credit loss provision to net charge-offs | -592.9155% | 3,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2380% | 4,412 |
| Assets per employee ($millions) | 4.3815% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8320% | 610 |
| Loan loss allowance to noncurrent loans | 209.3279% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 2,647 |
| Noncurrent loans to loans | 0.8752% | 1,741 |
| Net loans and leases to total assets | 45.1956% | 4,393 |
| Net loans and leases to deposits | 50.4311% | 4,512 |
| Net loans and leases to core deposits | 51.0581% | 4,597 |
| Total domestic deposits to total assets | 89.6185% | 521 |
| Equity capital to assets | 10.0699% | 3,144 |
| Core capital (leverage) ratio | 10.0295% | 2,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0281% | 903 |
| Memoranda: | ||
| Average total assets | $1,594,978,667 | 566 |
| Average earning assets | $1,523,478,667 | 544 |
| Average equity | $162,991,667 | 618 |
| Average total loans | $739,478,000 | 820 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9246% | 3,985 |
| Cost of funding earning assets | 0.3075% | 4,636 |
| Net interest margin | 3.6171% | 2,613 |
| Noninterest income to average assets | 1.7823% | 305 |
| Noninterest expense to average assets | 2.8295% | 2,344 |
| Loan and lease loss provision to assets | 0.0341% | 3,339 |
| Net operating income to assets | 2.3583% | 139 |
| Return on assets (ROA) | 2.3583% | 154 |
| Pretax return on assets | 2.3583% | 216 |
| Return on Equity (ROE) | 22.8824% | 98 |
| Retained earnings to average equity (ytd only) | 22.8824% | 41 |
| Net charge-offs to loans | -0.0045% | 3,836 |
| Credit loss provision to net charge-offs | -1,612.5000% | 3,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1852% | 4,386 |
| Assets per employee ($millions) | 3.7726% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7854% | 728 |
| Loan loss allowance to noncurrent loans | 154.4473% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.5340% | 2,390 |
| Noncurrent loans to loans | 1.1560% | 1,437 |
| Net loans and leases to total assets | 45.2722% | 4,455 |
| Net loans and leases to deposits | 50.7814% | 4,568 |
| Net loans and leases to core deposits | 51.2593% | 4,647 |
| Total domestic deposits to total assets | 89.1510% | 601 |
| Equity capital to assets | 10.5671% | 3,261 |
| Core capital (leverage) ratio | 10.5288% | 2,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,511,795,500 | 566 |
| Average earning assets | $1,437,608,500 | 551 |
| Average equity | $155,805,000 | 641 |
| Average total loans | $703,764,000 | 835 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2794% | 3,594 |
| Cost of funding earning assets | 0.3851% | 4,492 |
| Net interest margin | 3.8944% | 2,195 |
| Noninterest income to average assets | 1.7305% | 329 |
| Noninterest expense to average assets | 3.0055% | 2,000 |
| Loan and lease loss provision to assets | 0.0337% | 3,336 |
| Net operating income to assets | 2.3886% | 157 |
| Return on assets (ROA) | 2.3882% | 167 |
| Pretax return on assets | 2.3882% | 255 |
| Return on Equity (ROE) | 23.2496% | 107 |
| Retained earnings to average equity (ytd only) | 8.0199% | 971 |
| Net charge-offs to loans | -0.0090% | 4,439 |
| Credit loss provision to net charge-offs | -796.7213% | 4,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3720% | 4,281 |
| Assets per employee ($millions) | 3.7029% | 4,267 |
| Cash dividends to net income (ytd only)* | 65.5051% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7337% | 740 |
| Loan loss allowance to noncurrent loans | 162.3122% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 2,396 |
| Noncurrent loans to loans | 1.0682% | 1,418 |
| Net loans and leases to total assets | 46.1935% | 4,512 |
| Net loans and leases to deposits | 51.6124% | 4,621 |
| Net loans and leases to core deposits | 52.0641% | 4,703 |
| Total domestic deposits to total assets | 89.5009% | 489 |
| Equity capital to assets | 10.0444% | 3,877 |
| Core capital (leverage) ratio | 9.9560% | 3,564 |
| Tier 1 risk-based capital ratio | 17.5130% | 1,887 |
| Total risk-based capital ratio | 18.7657% | 1,839 |
| Memoranda: | ||
| Average total assets | $1,440,739,000 | 569 |
| Average earning assets | $1,367,873,200 | 553 |
| Average equity | $147,994,000 | 631 |
| Average total loans | $680,597,400 | 828 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3441% | 3,529 |
| Cost of funding earning assets | 0.3953% | 4,522 |
| Net interest margin | 3.9488% | 2,106 |
| Noninterest income to average assets | 1.6912% | 341 |
| Noninterest expense to average assets | 2.9683% | 2,059 |
| Loan and lease loss provision to assets | -0.0304% | 5,102 |
| Net operating income to assets | 2.4974% | 164 |
| Return on assets (ROA) | 2.4974% | 172 |
| Pretax return on assets | 2.4974% | 249 |
| Return on Equity (ROE) | 24.1699% | 105 |
| Retained earnings to average equity (ytd only) | 15.1033% | 143 |
| Net charge-offs to loans | -0.0644% | 4,891 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6124% | 4,320 |
| Assets per employee ($millions) | 3.6476% | 4,340 |
| Cash dividends to net income (ytd only)* | 37.5122% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 873 |
| Loan loss allowance to noncurrent loans | 145.6966% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.5613% | 2,322 |
| Noncurrent loans to loans | 1.1426% | 1,387 |
| Net loans and leases to total assets | 47.6322% | 4,522 |
| Net loans and leases to deposits | 53.6718% | 4,646 |
| Net loans and leases to core deposits | 54.2046% | 4,736 |
| Total domestic deposits to total assets | 88.7472% | 714 |
| Equity capital to assets | 10.7919% | 3,301 |
| Core capital (leverage) ratio | 10.6613% | 2,966 |
| Tier 1 risk-based capital ratio | 18.1247% | 1,780 |
| Total risk-based capital ratio | 19.3764% | 1,741 |
| Memoranda: | ||
| Average total assets | $1,423,227,000 | 577 |
| Average earning assets | $1,349,401,250 | 561 |
| Average equity | $147,055,000 | 635 |
| Average total loans | $673,197,000 | 839 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3632% | 3,445 |
| Cost of funding earning assets | 0.3979% | 4,517 |
| Net interest margin | 3.9652% | 2,035 |
| Noninterest income to average assets | 1.6352% | 349 |
| Noninterest expense to average assets | 2.9767% | 2,069 |
| Loan and lease loss provision to assets | -0.0407% | 5,163 |
| Net operating income to assets | 2.4454% | 165 |
| Return on assets (ROA) | 2.4454% | 170 |
| Pretax return on assets | 2.4454% | 262 |
| Return on Equity (ROE) | 24.0355% | 117 |
| Retained earnings to average equity (ytd only) | 24.0355% | 30 |
| Net charge-offs to loans | -0.0867% | 4,972 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3142% | 4,335 |
| Assets per employee ($millions) | 3.6312% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7163% | 792 |
| Loan loss allowance to noncurrent loans | 240.0245% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 3,155 |
| Noncurrent loans to loans | 0.7150% | 2,195 |
| Net loans and leases to total assets | 47.0954% | 4,598 |
| Net loans and leases to deposits | 53.1550% | 4,711 |
| Net loans and leases to core deposits | 53.7240% | 4,787 |
| Total domestic deposits to total assets | 88.6002% | 827 |
| Equity capital to assets | 10.9825% | 3,082 |
| Core capital (leverage) ratio | 10.8263% | 2,764 |
| Tier 1 risk-based capital ratio | 18.4247% | 1,696 |
| Total risk-based capital ratio | 19.6768% | 1,654 |
| Memoranda: | ||
| Average total assets | $1,411,290,670 | 580 |
| Average earning assets | $1,333,335,000 | 565 |
| Average equity | $143,587,330 | 645 |
| Average total loans | $662,017,330 | 847 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3026% | 3,544 |
| Cost of funding earning assets | 0.3935% | 4,512 |
| Net interest margin | 3.9092% | 2,160 |
| Noninterest income to average assets | 1.6045% | 345 |
| Noninterest expense to average assets | 2.9081% | 2,258 |
| Loan and lease loss provision to assets | -0.0402% | 5,248 |
| Net operating income to assets | 2.4141% | 186 |
| Return on assets (ROA) | 2.4141% | 196 |
| Pretax return on assets | 2.4141% | 287 |
| Return on Equity (ROE) | 24.7305% | 102 |
| Retained earnings to average equity (ytd only) | 24.7305% | 49 |
| Net charge-offs to loans | -0.0867% | 4,991 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0573% | 4,427 |
| Assets per employee ($millions) | 3.6247% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7927% | 714 |
| Loan loss allowance to noncurrent loans | 237.8892% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 3,198 |
| Noncurrent loans to loans | 0.7536% | 2,147 |
| Net loans and leases to total assets | 45.5973% | 4,683 |
| Net loans and leases to deposits | 50.9443% | 4,787 |
| Net loans and leases to core deposits | 51.3754% | 4,852 |
| Total domestic deposits to total assets | 89.5043% | 642 |
| Equity capital to assets | 10.1766% | 3,647 |
| Core capital (leverage) ratio | 10.4009% | 3,161 |
| Tier 1 risk-based capital ratio | 17.9656% | 1,799 |
| Total risk-based capital ratio | 19.2183% | 1,764 |
| Memoranda: | ||
| Average total assets | $1,401,597,000 | 583 |
| Average earning assets | $1,318,547,500 | 573 |
| Average equity | $136,819,000 | 669 |
| Average total loans | $650,251,000 | 858 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1431% | 3,607 |
| Cost of funding earning assets | 0.3292% | 4,413 |
| Net interest margin | 3.8139% | 2,618 |
| Noninterest income to average assets | 1.6075% | 366 |
| Noninterest expense to average assets | 2.9961% | 2,051 |
| Loan and lease loss provision to assets | 0.0252% | 3,670 |
| Net operating income to assets | 2.1889% | 257 |
| Return on assets (ROA) | 2.1833% | 253 |
| Pretax return on assets | 2.1833% | 370 |
| Return on Equity (ROE) | 23.3463% | 120 |
| Retained earnings to average equity (ytd only) | 10.7585% | 478 |
| Net charge-offs to loans | 0.0545% | 2,368 |
| Credit loss provision to net charge-offs | 96.6006% | 2,617 |
| Earnings coverage of net charge-offs (x) | 84.8470% | 831 |
| Efficiency ratio | 57.5043% | 4,217 |
| Assets per employee ($millions) | 3.6093% | 4,440 |
| Cash dividends to net income (ytd only)* | 53.9175% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8266% | 651 |
| Loan loss allowance to noncurrent loans | 222.0000% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 3,011 |
| Noncurrent loans to loans | 0.8228% | 1,959 |
| Net loans and leases to total assets | 45.5101% | 4,760 |
| Net loans and leases to deposits | 50.4671% | 4,870 |
| Net loans and leases to core deposits | 50.9062% | 4,918 |
| Total domestic deposits to total assets | 90.1779% | 419 |
| Equity capital to assets | 9.3395% | 4,285 |
| Core capital (leverage) ratio | 9.7438% | 3,863 |
| Tier 1 risk-based capital ratio | 17.1292% | 2,023 |
| Total risk-based capital ratio | 18.3820% | 1,965 |
| Memoranda: | ||
| Average total assets | $1,352,726,000 | 583 |
| Average earning assets | $1,277,822,800 | 571 |
| Average equity | $126,504,200 | 683 |
| Average total loans | $647,731,600 | 841 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0950% | 3,648 |
| Cost of funding earning assets | 0.3111% | 4,444 |
| Net interest margin | 3.7839% | 2,704 |
| Noninterest income to average assets | 1.6097% | 377 |
| Noninterest expense to average assets | 2.9974% | 2,022 |
| Loan and lease loss provision to assets | 0.0041% | 3,890 |
| Net operating income to assets | 2.1837% | 270 |
| Return on assets (ROA) | 2.1808% | 267 |
| Pretax return on assets | 2.1808% | 408 |
| Return on Equity (ROE) | 23.3116% | 121 |
| Retained earnings to average equity (ytd only) | 21.1900% | 46 |
| Net charge-offs to loans | 0.0109% | 3,030 |
| Credit loss provision to net charge-offs | 77.3585% | 2,558 |
| Earnings coverage of net charge-offs (x) | 415.9723% | 227 |
| Efficiency ratio | 57.8078% | 4,152 |
| Assets per employee ($millions) | 3.5334% | 4,516 |
| Cash dividends to net income (ytd only)* | 9.1013% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8101% | 708 |
| Loan loss allowance to noncurrent loans | 198.7164% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.4602% | 2,845 |
| Noncurrent loans to loans | 0.9109% | 1,881 |
| Net loans and leases to total assets | 46.9187% | 4,757 |
| Net loans and leases to deposits | 52.2572% | 4,882 |
| Net loans and leases to core deposits | 52.8886% | 4,940 |
| Total domestic deposits to total assets | 89.7842% | 575 |
| Equity capital to assets | 9.7670% | 3,849 |
| Core capital (leverage) ratio | 10.4958% | 3,089 |
| Tier 1 risk-based capital ratio | 17.7869% | 1,845 |
| Total risk-based capital ratio | 19.0396% | 1,808 |
| Memoranda: | ||
| Average total assets | $1,343,513,000 | 589 |
| Average earning assets | $1,269,531,500 | 572 |
| Average equity | $125,685,250 | 681 |
| Average total loans | $648,623,250 | 843 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 3,697 |
| Cost of funding earning assets | 0.2931% | 4,461 |
| Net interest margin | 3.7351% | 2,808 |
| Noninterest income to average assets | 1.6085% | 385 |
| Noninterest expense to average assets | 2.9968% | 2,049 |
| Loan and lease loss provision to assets | 0.0387% | 3,135 |
| Net operating income to assets | 2.1082% | 310 |
| Return on assets (ROA) | 2.1039% | 307 |
| Pretax return on assets | 2.1039% | 488 |
| Return on Equity (ROE) | 22.8304% | 134 |
| Retained earnings to average equity (ytd only) | 22.8304% | 39 |
| Net charge-offs to loans | 0.0799% | 1,528 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 55.4517% | 1,054 |
| Efficiency ratio | 58.2609% | 4,187 |
| Assets per employee ($millions) | 3.4745% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8032% | 749 |
| Loan loss allowance to noncurrent loans | 192.0894% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.4799% | 2,841 |
| Noncurrent loans to loans | 0.9387% | 1,854 |
| Net loans and leases to total assets | 47.9451% | 4,723 |
| Net loans and leases to deposits | 53.2566% | 4,867 |
| Net loans and leases to core deposits | 53.9174% | 4,939 |
| Total domestic deposits to total assets | 90.0266% | 566 |
| Equity capital to assets | 9.5739% | 4,035 |
| Core capital (leverage) ratio | 10.0632% | 3,514 |
| Tier 1 risk-based capital ratio | 17.1662% | 2,043 |
| Total risk-based capital ratio | 18.4190% | 1,991 |
| Memoranda: | ||
| Average total assets | $1,337,900,670 | 588 |
| Average earning assets | $1,266,315,000 | 572 |
| Average equity | $123,291,670 | 698 |
| Average total loans | $648,156,330 | 845 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9686% | 3,726 |
| Cost of funding earning assets | 0.2740% | 4,551 |
| Net interest margin | 3.6945% | 2,822 |
| Noninterest income to average assets | 1.5916% | 387 |
| Noninterest expense to average assets | 3.0188% | 2,025 |
| Loan and lease loss provision to assets | 0.0320% | 3,080 |
| Net operating income to assets | 2.0353% | 342 |
| Return on assets (ROA) | 2.0290% | 350 |
| Pretax return on assets | 2.0290% | 542 |
| Return on Equity (ROE) | 22.4544% | 150 |
| Retained earnings to average equity (ytd only) | 22.4544% | 72 |
| Net charge-offs to loans | 0.0663% | 1,446 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 64.6262% | 800 |
| Efficiency ratio | 59.3546% | 4,158 |
| Assets per employee ($millions) | 3.4616% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8209% | 752 |
| Loan loss allowance to noncurrent loans | 198.0494% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 3,008 |
| Noncurrent loans to loans | 0.9194% | 1,978 |
| Net loans and leases to total assets | 47.1603% | 4,744 |
| Net loans and leases to deposits | 52.0123% | 4,880 |
| Net loans and leases to core deposits | 52.6739% | 4,962 |
| Total domestic deposits to total assets | 90.6714% | 418 |
| Equity capital to assets | 9.0389% | 4,514 |
| Core capital (leverage) ratio | 9.7908% | 3,767 |
| Tier 1 risk-based capital ratio | 16.5869% | 2,247 |
| Total risk-based capital ratio | 17.8401% | 2,190 |
| Memoranda: | ||
| Average total assets | $1,338,008,000 | 594 |
| Average earning assets | $1,265,549,500 | 576 |
| Average equity | $120,903,000 | 710 |
| Average total loans | $645,668,500 | 852 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8776% | 3,792 |
| Cost of funding earning assets | 0.2137% | 4,835 |
| Net interest margin | 3.6639% | 2,940 |
| Noninterest income to average assets | 1.5290% | 455 |
| Noninterest expense to average assets | 3.0221% | 2,102 |
| Loan and lease loss provision to assets | 0.0325% | 3,619 |
| Net operating income to assets | 1.9481% | 314 |
| Return on assets (ROA) | 1.9558% | 311 |
| Pretax return on assets | 1.9558% | 540 |
| Return on Equity (ROE) | 19.8967% | 200 |
| Retained earnings to average equity (ytd only) | -2.6189% | 5,325 |
| Net charge-offs to loans | -0.0594% | 5,232 |
| Credit loss provision to net charge-offs | -110.1828% | 4,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2647% | 4,221 |
| Assets per employee ($millions) | 3.4985% | 4,699 |
| Cash dividends to net income (ytd only)* | 113.1622% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8274% | 743 |
| Loan loss allowance to noncurrent loans | 192.3881% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.4605% | 3,027 |
| Noncurrent loans to loans | 0.9499% | 1,873 |
| Net loans and leases to total assets | 47.5939% | 4,798 |
| Net loans and leases to deposits | 52.5774% | 4,955 |
| Net loans and leases to core deposits | 53.3402% | 5,025 |
| Total domestic deposits to total assets | 90.5216% | 389 |
| Equity capital to assets | 9.0331% | 4,683 |
| Core capital (leverage) ratio | 9.1409% | 4,471 |
| Tier 1 risk-based capital ratio | 15.8946% | 2,471 |
| Total risk-based capital ratio | 17.1481% | 2,415 |
| Memoranda: | ||
| Average total assets | $1,298,976,800 | 591 |
| Average earning assets | $1,231,552,400 | 570 |
| Average equity | $127,689,400 | 645 |
| Average total loans | $644,464,800 | 815 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8473% | 3,841 |
| Cost of funding earning assets | 0.2077% | 4,907 |
| Net interest margin | 3.6396% | 2,998 |
| Noninterest income to average assets | 1.4992% | 480 |
| Noninterest expense to average assets | 2.9794% | 2,167 |
| Loan and lease loss provision to assets | 0.0555% | 2,978 |
| Net operating income to assets | 1.9148% | 374 |
| Return on assets (ROA) | 1.9252% | 370 |
| Pretax return on assets | 1.9252% | 647 |
| Return on Equity (ROE) | 19.1842% | 267 |
| Retained earnings to average equity (ytd only) | 6.5806% | 1,924 |
| Net charge-offs to loans | -0.0490% | 5,158 |
| Credit loss provision to net charge-offs | -227.0042% | 4,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9967% | 4,217 |
| Assets per employee ($millions) | 3.4522% | 4,797 |
| Cash dividends to net income (ytd only)* | 65.6978% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8108% | 842 |
| Loan loss allowance to noncurrent loans | 173.2999% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.5588% | 2,850 |
| Noncurrent loans to loans | 1.0449% | 1,856 |
| Net loans and leases to total assets | 48.4327% | 4,803 |
| Net loans and leases to deposits | 54.1796% | 4,955 |
| Net loans and leases to core deposits | 54.9988% | 5,039 |
| Total domestic deposits to total assets | 89.3927% | 703 |
| Equity capital to assets | 10.1648% | 3,738 |
| Core capital (leverage) ratio | 10.1956% | 3,320 |
| Tier 1 risk-based capital ratio | 17.2927% | 2,066 |
| Total risk-based capital ratio | 18.5463% | 2,020 |
| Memoranda: | ||
| Average total assets | $1,291,361,000 | 595 |
| Average earning assets | $1,224,302,000 | 572 |
| Average equity | $129,589,250 | 639 |
| Average total loans | $644,453,500 | 818 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8268% | 3,800 |
| Cost of funding earning assets | 0.2038% | 4,936 |
| Net interest margin | 3.6229% | 2,938 |
| Noninterest income to average assets | 1.4702% | 498 |
| Noninterest expense to average assets | 2.9597% | 2,237 |
| Loan and lease loss provision to assets | 0.0748% | 2,470 |
| Net operating income to assets | 1.8732% | 391 |
| Return on assets (ROA) | 1.8732% | 405 |
| Pretax return on assets | 1.8732% | 701 |
| Return on Equity (ROE) | 18.7490% | 280 |
| Retained earnings to average equity (ytd only) | 4.7106% | 2,907 |
| Net charge-offs to loans | -0.0765% | 5,327 |
| Credit loss provision to net charge-offs | -195.1220% | 4,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0851% | 4,305 |
| Assets per employee ($millions) | 3.4605% | 4,782 |
| Cash dividends to net income (ytd only)* | 74.8752% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8029% | 882 |
| Loan loss allowance to noncurrent loans | 178.0128% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.5514% | 2,926 |
| Noncurrent loans to loans | 1.0128% | 1,938 |
| Net loans and leases to total assets | 48.7146% | 4,784 |
| Net loans and leases to deposits | 54.3658% | 4,945 |
| Net loans and leases to core deposits | 55.2072% | 5,036 |
| Total domestic deposits to total assets | 89.6052% | 681 |
| Equity capital to assets | 10.0585% | 3,844 |
| Core capital (leverage) ratio | 10.0550% | 3,469 |
| Tier 1 risk-based capital ratio | 17.1185% | 2,130 |
| Total risk-based capital ratio | 18.3723% | 2,074 |
| Memoranda: | ||
| Average total assets | $1,283,386,000 | 600 |
| Average earning assets | $1,217,690,330 | 579 |
| Average equity | $128,220,330 | 644 |
| Average total loans | $643,012,670 | 820 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8100% | 3,738 |
| Cost of funding earning assets | 0.1998% | 4,975 |
| Net interest margin | 3.6102% | 2,853 |
| Noninterest income to average assets | 1.4593% | 505 |
| Noninterest expense to average assets | 2.9598% | 2,276 |
| Loan and lease loss provision to assets | 0.1130% | 1,694 |
| Net operating income to assets | 1.8042% | 443 |
| Return on assets (ROA) | 1.8042% | 455 |
| Pretax return on assets | 1.8042% | 792 |
| Return on Equity (ROE) | 18.1216% | 332 |
| Retained earnings to average equity (ytd only) | 10.2193% | 763 |
| Net charge-offs to loans | -0.0625% | 5,283 |
| Credit loss provision to net charge-offs | -359.0000% | 4,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4633% | 4,404 |
| Assets per employee ($millions) | 3.3916% | 4,940 |
| Cash dividends to net income (ytd only)* | 43.6072% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7844% | 986 |
| Loan loss allowance to noncurrent loans | 156.9037% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.6064% | 2,824 |
| Noncurrent loans to loans | 1.1373% | 1,792 |
| Net loans and leases to total assets | 48.5653% | 4,782 |
| Net loans and leases to deposits | 54.0834% | 4,929 |
| Net loans and leases to core deposits | 54.8782% | 5,028 |
| Total domestic deposits to total assets | 89.7970% | 749 |
| Equity capital to assets | 9.9635% | 3,802 |
| Core capital (leverage) ratio | 10.2788% | 3,142 |
| Tier 1 risk-based capital ratio | 17.4032% | 2,066 |
| Total risk-based capital ratio | 18.6570% | 2,009 |
| Memoranda: | ||
| Average total assets | $1,271,050,000 | 602 |
| Average earning assets | $1,203,254,500 | 586 |
| Average equity | $126,545,000 | 654 |
| Average total loans | $640,062,000 | 823 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8973% | 3,579 |
| Cost of funding earning assets | 0.1812% | 5,199 |
| Net interest margin | 3.7160% | 2,625 |
| Noninterest income to average assets | 1.4899% | 532 |
| Noninterest expense to average assets | 3.1494% | 1,901 |
| Loan and lease loss provision to assets | 0.0121% | 4,135 |
| Net operating income to assets | 1.8336% | 419 |
| Return on assets (ROA) | 1.8324% | 437 |
| Pretax return on assets | 1.8324% | 737 |
| Return on Equity (ROE) | 17.5924% | 354 |
| Retained earnings to average equity (ytd only) | 7.4372% | 1,061 |
| Net charge-offs to loans | -0.1053% | 5,607 |
| Credit loss provision to net charge-offs | -22.6708% | 4,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8141% | 4,134 |
| Assets per employee ($millions) | 3.2803% | 5,069 |
| Cash dividends to net income (ytd only)* | 57.7246% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 1,111 |
| Loan loss allowance to noncurrent loans | 142.6547% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.6396% | 2,805 |
| Noncurrent loans to loans | 1.2029% | 1,715 |
| Net loans and leases to total assets | 50.4217% | 4,737 |
| Net loans and leases to deposits | 56.2523% | 4,900 |
| Net loans and leases to core deposits | 57.1306% | 5,009 |
| Total domestic deposits to total assets | 89.6349% | 805 |
| Equity capital to assets | 9.9480% | 3,771 |
| Core capital (leverage) ratio | 10.0111% | 3,469 |
| Tier 1 risk-based capital ratio | 17.0302% | 2,150 |
| Total risk-based capital ratio | 18.2832% | 2,100 |
| Memoranda: | ||
| Average total assets | $1,202,099,800 | 614 |
| Average earning assets | $1,133,924,400 | 594 |
| Average equity | $125,207,600 | 639 |
| Average total loans | $611,857,000 | 816 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8756% | 3,669 |
| Cost of funding earning assets | 0.1820% | 5,251 |
| Net interest margin | 3.6936% | 2,740 |
| Noninterest income to average assets | 1.4672% | 556 |
| Noninterest expense to average assets | 3.1235% | 1,965 |
| Loan and lease loss provision to assets | -0.0636% | 5,742 |
| Net operating income to assets | 1.8899% | 408 |
| Return on assets (ROA) | 1.8879% | 432 |
| Pretax return on assets | 1.8879% | 727 |
| Return on Equity (ROE) | 17.9149% | 364 |
| Retained earnings to average equity (ytd only) | 7.1281% | 1,557 |
| Net charge-offs to loans | -0.2158% | 5,782 |
| Credit loss provision to net charge-offs | 58.0184% | 2,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8633% | 4,091 |
| Assets per employee ($millions) | 3.3075% | 5,039 |
| Cash dividends to net income (ytd only)* | 60.2111% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6691% | 1,290 |
| Loan loss allowance to noncurrent loans | 161.1500% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.5355% | 3,319 |
| Noncurrent loans to loans | 1.0357% | 2,171 |
| Net loans and leases to total assets | 50.0534% | 4,818 |
| Net loans and leases to deposits | 56.1753% | 4,981 |
| Net loans and leases to core deposits | 56.9836% | 5,099 |
| Total domestic deposits to total assets | 89.1022% | 856 |
| Equity capital to assets | 10.5267% | 3,535 |
| Core capital (leverage) ratio | 10.3196% | 3,207 |
| Tier 1 risk-based capital ratio | 16.8031% | 2,295 |
| Total risk-based capital ratio | 18.0584% | 2,247 |
| Memoranda: | ||
| Average total assets | $1,191,000,750 | 615 |
| Average earning assets | $1,122,960,250 | 598 |
| Average equity | $125,509,000 | 638 |
| Average total loans | $604,951,750 | 821 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8674% | 3,714 |
| Cost of funding earning assets | 0.1856% | 5,275 |
| Net interest margin | 3.6818% | 2,773 |
| Noninterest income to average assets | 1.4479% | 551 |
| Noninterest expense to average assets | 3.1294% | 1,982 |
| Loan and lease loss provision to assets | 0.0063% | 3,939 |
| Net operating income to assets | 1.7839% | 486 |
| Return on assets (ROA) | 1.7839% | 514 |
| Pretax return on assets | 1.7839% | 915 |
| Return on Equity (ROE) | 16.9218% | 446 |
| Retained earnings to average equity (ytd only) | 3.8951% | 3,418 |
| Net charge-offs to loans | -0.0793% | 5,541 |
| Credit loss provision to net charge-offs | -15.6780% | 4,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3678% | 4,125 |
| Assets per employee ($millions) | 3.1419% | 5,278 |
| Cash dividends to net income (ytd only)* | 76.9819% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7199% | 1,234 |
| Loan loss allowance to noncurrent loans | 166.2850% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.5609% | 3,339 |
| Noncurrent loans to loans | 1.0343% | 2,213 |
| Net loans and leases to total assets | 50.3096% | 4,822 |
| Net loans and leases to deposits | 56.5114% | 4,983 |
| Net loans and leases to core deposits | 57.3551% | 5,109 |
| Total domestic deposits to total assets | 89.0256% | 905 |
| Equity capital to assets | 10.6488% | 3,471 |
| Core capital (leverage) ratio | 10.1139% | 3,432 |
| Tier 1 risk-based capital ratio | 16.8568% | 2,279 |
| Total risk-based capital ratio | 18.1135% | 2,227 |
| Memoranda: | ||
| Average total assets | $1,172,358,330 | 622 |
| Average earning assets | $1,105,494,670 | 604 |
| Average equity | $123,592,000 | 648 |
| Average total loans | $595,027,670 | 831 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8172% | 3,885 |
| Cost of funding earning assets | 0.1899% | 5,286 |
| Net interest margin | 3.6272% | 2,982 |
| Noninterest income to average assets | 1.4507% | 538 |
| Noninterest expense to average assets | 3.1517% | 1,954 |
| Loan and lease loss provision to assets | 0.0388% | 3,131 |
| Net operating income to assets | 1.6777% | 604 |
| Return on assets (ROA) | 1.6777% | 643 |
| Pretax return on assets | 1.6777% | 1,115 |
| Return on Equity (ROE) | 15.9964% | 533 |
| Retained earnings to average equity (ytd only) | 10.2659% | 793 |
| Net charge-offs to loans | -0.0163% | 4,761 |
| Credit loss provision to net charge-offs | -470.8333% | 4,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4938% | 4,042 |
| Assets per employee ($millions) | 3.2184% | 5,248 |
| Cash dividends to net income (ytd only)* | 35.8240% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7439% | 1,258 |
| Loan loss allowance to noncurrent loans | 127.5649% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.7040% | 2,954 |
| Noncurrent loans to loans | 1.3671% | 1,738 |
| Net loans and leases to total assets | 48.8279% | 4,904 |
| Net loans and leases to deposits | 54.7338% | 5,058 |
| Net loans and leases to core deposits | 55.5355% | 5,161 |
| Total domestic deposits to total assets | 89.2097% | 994 |
| Equity capital to assets | 10.5537% | 3,425 |
| Core capital (leverage) ratio | 10.3841% | 3,089 |
| Tier 1 risk-based capital ratio | 17.3135% | 2,181 |
| Total risk-based capital ratio | 18.5665% | 2,149 |
| Memoranda: | ||
| Average total assets | $1,164,712,500 | 628 |
| Average earning assets | $1,097,363,000 | 610 |
| Average equity | $122,152,500 | 655 |
| Average total loans | $588,562,500 | 838 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9335% | 3,587 |
| Cost of funding earning assets | 0.2306% | 5,006 |
| Net interest margin | 3.7029% | 2,739 |
| Noninterest income to average assets | 1.4655% | 571 |
| Noninterest expense to average assets | 3.2705% | 1,790 |
| Loan and lease loss provision to assets | 0.0652% | 2,982 |
| Net operating income to assets | 1.6215% | 670 |
| Return on assets (ROA) | 1.6237% | 687 |
| Pretax return on assets | 1.6237% | 1,181 |
| Return on Equity (ROE) | 15.6034% | 598 |
| Retained earnings to average equity (ytd only) | 3.6026% | 3,494 |
| Net charge-offs to loans | 0.1962% | 1,489 |
| Credit loss provision to net charge-offs | 65.5665% | 3,192 |
| Earnings coverage of net charge-offs (x) | 16.9652% | 2,101 |
| Efficiency ratio | 65.9755% | 3,908 |
| Assets per employee ($millions) | 3.0941% | 5,424 |
| Cash dividends to net income (ytd only)* | 76.9117% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7396% | 1,269 |
| Loan loss allowance to noncurrent loans | 134.0927% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 2,862 |
| Noncurrent loans to loans | 1.2973% | 1,816 |
| Net loans and leases to total assets | 50.5153% | 4,824 |
| Net loans and leases to deposits | 56.6438% | 5,006 |
| Net loans and leases to core deposits | 57.4925% | 5,133 |
| Total domestic deposits to total assets | 89.1806% | 1,032 |
| Equity capital to assets | 10.4189% | 3,458 |
| Core capital (leverage) ratio | 10.1752% | 3,291 |
| Tier 1 risk-based capital ratio | 17.0440% | 2,266 |
| Total risk-based capital ratio | 18.2971% | 2,218 |
| Memoranda: | ||
| Average total assets | $1,127,564,200 | 621 |
| Average earning assets | $1,063,231,000 | 604 |
| Average equity | $117,333,200 | 652 |
| Average total loans | $571,349,400 | 821 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9090% | 3,716 |
| Cost of funding earning assets | 0.2377% | 5,014 |
| Net interest margin | 3.6713% | 2,881 |
| Noninterest income to average assets | 1.4547% | 581 |
| Noninterest expense to average assets | 3.2791% | 1,749 |
| Loan and lease loss provision to assets | -0.0260% | 5,862 |
| Net operating income to assets | 1.6632% | 672 |
| Return on assets (ROA) | 1.6640% | 691 |
| Pretax return on assets | 1.6640% | 1,203 |
| Return on Equity (ROE) | 15.9962% | 594 |
| Retained earnings to average equity (ytd only) | 1.5600% | 5,085 |
| Net charge-offs to loans | 0.0632% | 2,685 |
| Credit loss provision to net charge-offs | -81.4126% | 5,024 |
| Earnings coverage of net charge-offs (x) | 51.3454% | 1,021 |
| Efficiency ratio | 66.6980% | 3,765 |
| Assets per employee ($millions) | 2.9996% | 5,544 |
| Cash dividends to net income (ytd only)* | 90.2479% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7183% | 1,431 |
| Loan loss allowance to noncurrent loans | 107.4619% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.9889% | 2,381 |
| Noncurrent loans to loans | 1.5990% | 1,551 |
| Net loans and leases to total assets | 50.8541% | 4,864 |
| Net loans and leases to deposits | 57.0571% | 5,067 |
| Net loans and leases to core deposits | 58.0896% | 5,187 |
| Total domestic deposits to total assets | 89.1284% | 960 |
| Equity capital to assets | 10.4611% | 3,639 |
| Core capital (leverage) ratio | 10.0796% | 3,527 |
| Tier 1 risk-based capital ratio | 16.7439% | 2,460 |
| Total risk-based capital ratio | 17.9991% | 2,416 |
| Memoranda: | ||
| Average total assets | $1,124,799,250 | 629 |
| Average earning assets | $1,060,559,750 | 608 |
| Average equity | $117,008,500 | 660 |
| Average total loans | $567,846,250 | 833 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8591% | 3,831 |
| Cost of funding earning assets | 0.2436% | 5,015 |
| Net interest margin | 3.6155% | 3,029 |
| Noninterest income to average assets | 1.4390% | 612 |
| Noninterest expense to average assets | 3.3013% | 1,701 |
| Loan and lease loss provision to assets | -0.0485% | 6,028 |
| Net operating income to assets | 1.6021% | 739 |
| Return on assets (ROA) | 1.6033% | 763 |
| Pretax return on assets | 1.6033% | 1,319 |
| Return on Equity (ROE) | 15.4421% | 671 |
| Retained earnings to average equity (ytd only) | -2.8779% | 5,914 |
| Net charge-offs to loans | 0.0940% | 2,083 |
| Credit loss provision to net charge-offs | -103.0303% | 4,904 |
| Earnings coverage of net charge-offs (x) | 33.0076% | 1,283 |
| Efficiency ratio | 67.9997% | 3,668 |
| Assets per employee ($millions) | 3.0257% | 5,565 |
| Cash dividends to net income (ytd only)* | 118.6367% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 1,457 |
| Loan loss allowance to noncurrent loans | 99.6128% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 1.0543% | 2,400 |
| Noncurrent loans to loans | 1.7702% | 1,446 |
| Net loans and leases to total assets | 49.7942% | 4,952 |
| Net loans and leases to deposits | 55.5172% | 5,156 |
| Net loans and leases to core deposits | 56.5618% | 5,274 |
| Total domestic deposits to total assets | 89.6915% | 789 |
| Equity capital to assets | 10.0098% | 4,026 |
| Core capital (leverage) ratio | 9.7672% | 3,918 |
| Tier 1 risk-based capital ratio | 15.6483% | 3,026 |
| Total risk-based capital ratio | 16.9008% | 2,976 |
| Memoranda: | ||
| Average total assets | $1,121,786,670 | 634 |
| Average earning assets | $1,059,894,000 | 611 |
| Average equity | $116,474,000 | 665 |
| Average total loans | $561,567,000 | 839 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8103% | 3,969 |
| Cost of funding earning assets | 0.2488% | 5,037 |
| Net interest margin | 3.5616% | 3,169 |
| Noninterest income to average assets | 1.4421% | 563 |
| Noninterest expense to average assets | 3.2163% | 1,937 |
| Loan and lease loss provision to assets | 0.0232% | 3,409 |
| Net operating income to assets | 1.5630% | 760 |
| Return on assets (ROA) | 1.5630% | 800 |
| Pretax return on assets | 1.5630% | 1,364 |
| Return on Equity (ROE) | 14.7878% | 742 |
| Retained earnings to average equity (ytd only) | 14.7878% | 303 |
| Net charge-offs to loans | -0.0373% | 5,374 |
| Credit loss provision to net charge-offs | -125.0000% | 4,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9712% | 3,990 |
| Assets per employee ($millions) | 3.0724% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9141% | 1,254 |
| Loan loss allowance to noncurrent loans | 101.7714% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.1611% | 2,309 |
| Noncurrent loans to loans | 1.8808% | 1,427 |
| Net loans and leases to total assets | 48.1705% | 5,013 |
| Net loans and leases to deposits | 54.1067% | 5,183 |
| Net loans and leases to core deposits | 55.1627% | 5,300 |
| Total domestic deposits to total assets | 89.0288% | 1,249 |
| Equity capital to assets | 10.7772% | 3,227 |
| Core capital (leverage) ratio | 10.4593% | 3,023 |
| Tier 1 risk-based capital ratio | 16.7807% | 2,569 |
| Total risk-based capital ratio | 18.0371% | 2,519 |
| Memoranda: | ||
| Average total assets | $1,121,419,000 | 628 |
| Average earning assets | $1,058,077,500 | 605 |
| Average equity | $118,530,000 | 649 |
| Average total loans | $557,858,500 | 843 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 3,953 |
| Cost of funding earning assets | 0.2877% | 4,925 |
| Net interest margin | 3.6562% | 3,194 |
| Noninterest income to average assets | 1.3844% | 640 |
| Noninterest expense to average assets | 3.5347% | 1,411 |
| Loan and lease loss provision to assets | -0.1571% | 6,237 |
| Net operating income to assets | 1.4443% | 994 |
| Return on assets (ROA) | 1.4464% | 1,019 |
| Pretax return on assets | 1.4464% | 1,730 |
| Return on Equity (ROE) | 13.4439% | 1,054 |
| Retained earnings to average equity (ytd only) | 0.7823% | 5,415 |
| Net charge-offs to loans | 0.2016% | 2,053 |
| Credit loss provision to net charge-offs | -157.6740% | 5,585 |
| Earnings coverage of net charge-offs (x) | 12.9171% | 2,324 |
| Efficiency ratio | 73.3047% | 2,967 |
| Assets per employee ($millions) | 2.9261% | 5,795 |
| Cash dividends to net income (ytd only)* | 94.1810% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8960% | 1,324 |
| Loan loss allowance to noncurrent loans | 81.3375% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.4582% | 1,884 |
| Noncurrent loans to loans | 2.3310% | 1,115 |
| Net loans and leases to total assets | 49.4431% | 5,023 |
| Net loans and leases to deposits | 55.4100% | 5,216 |
| Net loans and leases to core deposits | 56.6018% | 5,346 |
| Total domestic deposits to total assets | 89.2314% | 1,101 |
| Equity capital to assets | 10.3563% | 3,661 |
| Core capital (leverage) ratio | 10.1484% | 3,370 |
| Tier 1 risk-based capital ratio | 17.6583% | 2,259 |
| Total risk-based capital ratio | 18.9148% | 2,226 |
| Memoranda: | ||
| Average total assets | $1,052,659,200 | 640 |
| Average earning assets | $989,699,600 | 613 |
| Average equity | $113,255,600 | 647 |
| Average total loans | $520,461,800 | 853 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8941% | 4,194 |
| Cost of funding earning assets | 0.2903% | 4,986 |
| Net interest margin | 3.6038% | 3,410 |
| Noninterest income to average assets | 1.3836% | 647 |
| Noninterest expense to average assets | 3.5639% | 1,357 |
| Loan and lease loss provision to assets | -0.1047% | 6,282 |
| Net operating income to assets | 1.3170% | 1,325 |
| Return on assets (ROA) | 1.3171% | 1,382 |
| Pretax return on assets | 1.3171% | 2,315 |
| Return on Equity (ROE) | 12.1214% | 1,451 |
| Retained earnings to average equity (ytd only) | 5.5217% | 2,730 |
| Net charge-offs to loans | 0.2321% | 1,653 |
| Credit loss provision to net charge-offs | -91.6854% | 5,434 |
| Earnings coverage of net charge-offs (x) | 10.6180% | 2,522 |
| Efficiency ratio | 74.6179% | 2,715 |
| Assets per employee ($millions) | 2.8757% | 5,878 |
| Cash dividends to net income (ytd only)* | 54.4463% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0490% | 1,165 |
| Loan loss allowance to noncurrent loans | 82.3320% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.6419% | 1,843 |
| Noncurrent loans to loans | 2.4887% | 1,182 |
| Net loans and leases to total assets | 50.9986% | 4,893 |
| Net loans and leases to deposits | 57.3553% | 5,148 |
| Net loans and leases to core deposits | 58.8071% | 5,286 |
| Total domestic deposits to total assets | 88.9169% | 1,291 |
| Equity capital to assets | 10.7189% | 3,271 |
| Core capital (leverage) ratio | 10.6760% | 2,840 |
| Tier 1 risk-based capital ratio | 18.1455% | 2,165 |
| Total risk-based capital ratio | 19.4027% | 2,122 |
| Memoranda: | ||
| Average total assets | $1,039,309,750 | 644 |
| Average earning assets | $978,411,000 | 613 |
| Average equity | $112,932,750 | 645 |
| Average total loans | $511,217,750 | 875 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8250% | 4,429 |
| Cost of funding earning assets | 0.2931% | 5,032 |
| Net interest margin | 3.5319% | 3,646 |
| Noninterest income to average assets | 1.4296% | 592 |
| Noninterest expense to average assets | 3.5318% | 1,419 |
| Loan and lease loss provision to assets | -0.1990% | 6,478 |
| Net operating income to assets | 1.4136% | 1,031 |
| Return on assets (ROA) | 1.4138% | 1,072 |
| Pretax return on assets | 1.4138% | 1,850 |
| Return on Equity (ROE) | 12.9488% | 1,188 |
| Retained earnings to average equity (ytd only) | 6.3322% | 2,130 |
| Net charge-offs to loans | 0.3044% | 1,328 |
| Credit loss provision to net charge-offs | -135.6858% | 5,317 |
| Earnings coverage of net charge-offs (x) | 8.2836% | 2,516 |
| Efficiency ratio | 74.4097% | 2,907 |
| Assets per employee ($millions) | 2.8621% | 5,946 |
| Cash dividends to net income (ytd only)* | 51.0979% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3050% | 890 |
| Loan loss allowance to noncurrent loans | 87.7412% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.8432% | 1,763 |
| Noncurrent loans to loans | 2.6271% | 1,158 |
| Net loans and leases to total assets | 47.5779% | 5,209 |
| Net loans and leases to deposits | 53.7872% | 5,375 |
| Net loans and leases to core deposits | 55.2450% | 5,460 |
| Total domestic deposits to total assets | 88.4557% | 1,658 |
| Equity capital to assets | 11.2427% | 2,662 |
| Core capital (leverage) ratio | 11.2062% | 2,235 |
| Tier 1 risk-based capital ratio | 21.2578% | 1,399 |
| Total risk-based capital ratio | 22.5186% | 1,369 |
| Memoranda: | ||
| Average total assets | $1,024,363,670 | 653 |
| Average earning assets | $961,988,000 | 631 |
| Average equity | $111,840,670 | 643 |
| Average total loans | $493,468,330 | 901 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8124% | 4,435 |
| Cost of funding earning assets | 0.3031% | 5,032 |
| Net interest margin | 3.5093% | 3,653 |
| Noninterest income to average assets | 1.4747% | 535 |
| Noninterest expense to average assets | 3.2559% | 2,053 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5020% | 814 |
| Return on assets (ROA) | 1.4961% | 853 |
| Pretax return on assets | 1.4961% | 1,437 |
| Return on Equity (ROE) | 13.9102% | 961 |
| Retained earnings to average equity (ytd only) | 12.0948% | 593 |
| Net charge-offs to loans | 0.5119% | 721 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.1242% | 2,272 |
| Efficiency ratio | 68.4314% | 4,108 |
| Assets per employee ($millions) | 2.9005% | 5,978 |
| Cash dividends to net income (ytd only)* | 13.0514% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5692% | 748 |
| Loan loss allowance to noncurrent loans | 75.0564% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 2.3182% | 1,410 |
| Noncurrent loans to loans | 3.4230% | 869 |
| Net loans and leases to total assets | 46.5674% | 5,269 |
| Net loans and leases to deposits | 52.4392% | 5,428 |
| Net loans and leases to core deposits | 53.9666% | 5,503 |
| Total domestic deposits to total assets | 88.8026% | 1,775 |
| Equity capital to assets | 10.9570% | 2,758 |
| Core capital (leverage) ratio | 11.3264% | 2,109 |
| Tier 1 risk-based capital ratio | 21.7632% | 1,328 |
| Total risk-based capital ratio | 23.0275% | 1,304 |
| Memoranda: | ||
| Average total assets | $1,024,236,000 | 656 |
| Average earning assets | $958,251,500 | 635 |
| Average equity | $110,163,500 | 653 |
| Average total loans | $490,705,500 | 906 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9544% | 4,264 |
| Cost of funding earning assets | 0.3803% | 4,834 |
| Net interest margin | 3.5742% | 3,581 |
| Noninterest income to average assets | 1.4772% | 643 |
| Noninterest expense to average assets | 3.1833% | 2,471 |
| Loan and lease loss provision to assets | 0.1210% | 2,804 |
| Net operating income to assets | 1.4736% | 868 |
| Return on assets (ROA) | 1.4766% | 913 |
| Pretax return on assets | 1.4766% | 1,527 |
| Return on Equity (ROE) | 13.7970% | 995 |
| Retained earnings to average equity (ytd only) | 7.1621% | 1,376 |
| Net charge-offs to loans | 0.8905% | 686 |
| Credit loss provision to net charge-offs | 28.2022% | 4,287 |
| Earnings coverage of net charge-offs (x) | 3.7164% | 3,771 |
| Efficiency ratio | 66.6253% | 4,450 |
| Assets per employee ($millions) | 2.9445% | 5,914 |
| Cash dividends to net income (ytd only)* | 48.0896% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7126% | 657 |
| Loan loss allowance to noncurrent loans | 64.8617% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 2.8137% | 1,155 |
| Noncurrent loans to loans | 4.1821% | 671 |
| Net loans and leases to total assets | 46.7220% | 5,422 |
| Net loans and leases to deposits | 52.4354% | 5,593 |
| Net loans and leases to core deposits | 53.6883% | 5,693 |
| Total domestic deposits to total assets | 89.1040% | 1,552 |
| Equity capital to assets | 10.5522% | 3,089 |
| Core capital (leverage) ratio | 10.8915% | 2,486 |
| Tier 1 risk-based capital ratio | 21.1978% | 1,387 |
| Total risk-based capital ratio | 22.4637% | 1,367 |
| Memoranda: | ||
| Average total assets | $1,028,013,800 | 638 |
| Average earning assets | $949,369,200 | 626 |
| Average equity | $110,023,600 | 641 |
| Average total loans | $495,330,200 | 861 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9684% | 4,247 |
| Cost of funding earning assets | 0.3975% | 4,836 |
| Net interest margin | 3.5709% | 3,572 |
| Noninterest income to average assets | 1.5199% | 628 |
| Noninterest expense to average assets | 3.1972% | 2,376 |
| Loan and lease loss provision to assets | 0.2289% | 1,579 |
| Net operating income to assets | 1.3828% | 1,141 |
| Return on assets (ROA) | 1.3869% | 1,180 |
| Pretax return on assets | 1.3869% | 1,972 |
| Return on Equity (ROE) | 12.9133% | 1,258 |
| Retained earnings to average equity (ytd only) | 6.2862% | 2,240 |
| Net charge-offs to loans | 0.8247% | 710 |
| Credit loss provision to net charge-offs | 57.5659% | 3,346 |
| Earnings coverage of net charge-offs (x) | 4.0530% | 3,549 |
| Efficiency ratio | 66.4846% | 4,399 |
| Assets per employee ($millions) | 2.9327% | 5,954 |
| Cash dividends to net income (ytd only)* | 51.3203% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0405% | 526 |
| Loan loss allowance to noncurrent loans | 58.7927% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 3.2694% | 1,079 |
| Noncurrent loans to loans | 5.1716% | 560 |
| Net loans and leases to total assets | 47.0212% | 5,445 |
| Net loans and leases to deposits | 52.7333% | 5,654 |
| Net loans and leases to core deposits | 54.1301% | 5,756 |
| Total domestic deposits to total assets | 89.1679% | 1,465 |
| Equity capital to assets | 10.4151% | 3,374 |
| Core capital (leverage) ratio | 10.7222% | 2,764 |
| Tier 1 risk-based capital ratio | 20.7023% | 1,557 |
| Total risk-based capital ratio | 21.9726% | 1,527 |
| Memoranda: | ||
| Average total assets | $1,030,318,750 | 641 |
| Average earning assets | $949,018,000 | 630 |
| Average equity | $110,653,250 | 644 |
| Average total loans | $496,844,500 | 856 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 4,066 |
| Cost of funding earning assets | 0.4161% | 4,796 |
| Net interest margin | 3.5935% | 3,386 |
| Noninterest income to average assets | 1.5300% | 668 |
| Noninterest expense to average assets | 3.2018% | 2,350 |
| Loan and lease loss provision to assets | 0.2043% | 1,857 |
| Net operating income to assets | 1.4259% | 1,024 |
| Return on assets (ROA) | 1.4319% | 1,102 |
| Pretax return on assets | 1.4319% | 1,831 |
| Return on Equity (ROE) | 13.2008% | 1,193 |
| Retained earnings to average equity (ytd only) | 7.8390% | 1,550 |
| Net charge-offs to loans | 0.9917% | 615 |
| Credit loss provision to net charge-offs | 42.8107% | 3,367 |
| Earnings coverage of net charge-offs (x) | 3.4155% | 3,391 |
| Efficiency ratio | 66.2614% | 4,504 |
| Assets per employee ($millions) | 2.9566% | 5,915 |
| Cash dividends to net income (ytd only)* | 40.6174% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0531% | 552 |
| Loan loss allowance to noncurrent loans | 65.3778% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 2.9896% | 1,361 |
| Noncurrent loans to loans | 4.6699% | 731 |
| Net loans and leases to total assets | 46.7918% | 5,446 |
| Net loans and leases to deposits | 52.5107% | 5,642 |
| Net loans and leases to core deposits | 53.9368% | 5,759 |
| Total domestic deposits to total assets | 89.1091% | 1,563 |
| Equity capital to assets | 10.5848% | 3,189 |
| Core capital (leverage) ratio | 10.5617% | 2,810 |
| Tier 1 risk-based capital ratio | 20.4534% | 1,619 |
| Total risk-based capital ratio | 21.7234% | 1,589 |
| Memoranda: | ||
| Average total assets | $1,031,611,000 | 640 |
| Average earning assets | $947,928,000 | 631 |
| Average equity | $111,902,670 | 638 |
| Average total loans | $496,532,670 | 850 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8625% | 4,610 |
| Cost of funding earning assets | 0.4321% | 4,783 |
| Net interest margin | 3.4304% | 4,007 |
| Noninterest income to average assets | 1.5192% | 672 |
| Noninterest expense to average assets | 3.1583% | 2,489 |
| Loan and lease loss provision to assets | 0.2213% | 1,672 |
| Net operating income to assets | 1.2805% | 1,332 |
| Return on assets (ROA) | 1.2925% | 1,398 |
| Pretax return on assets | 1.2925% | 2,257 |
| Return on Equity (ROE) | 11.7748% | 1,480 |
| Retained earnings to average equity (ytd only) | 11.7748% | 733 |
| Net charge-offs to loans | 1.0244% | 596 |
| Credit loss provision to net charge-offs | 44.9491% | 2,689 |
| Earnings coverage of net charge-offs (x) | 3.0501% | 2,858 |
| Efficiency ratio | 67.7726% | 4,354 |
| Assets per employee ($millions) | 2.9993% | 5,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1741% | 558 |
| Loan loss allowance to noncurrent loans | 58.0879% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 3.6551% | 1,140 |
| Noncurrent loans to loans | 5.4643% | 661 |
| Net loans and leases to total assets | 46.1236% | 5,428 |
| Net loans and leases to deposits | 51.9896% | 5,619 |
| Net loans and leases to core deposits | 53.3652% | 5,719 |
| Total domestic deposits to total assets | 88.7170% | 1,861 |
| Equity capital to assets | 11.0395% | 2,914 |
| Core capital (leverage) ratio | 10.4800% | 2,805 |
| Tier 1 risk-based capital ratio | 20.8334% | 1,576 |
| Total risk-based capital ratio | 22.1150% | 1,541 |
| Memoranda: | ||
| Average total assets | $1,037,401,000 | 645 |
| Average earning assets | $949,849,500 | 636 |
| Average equity | $113,870,000 | 640 |
| Average total loans | $498,638,000 | 852 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5462% | 3,221 |
| Cost of funding earning assets | 0.5712% | 4,626 |
| Net interest margin | 3.9749% | 2,493 |
| Noninterest income to average assets | 1.3996% | 791 |
| Noninterest expense to average assets | 3.1593% | 2,736 |
| Loan and lease loss provision to assets | 0.4773% | 1,289 |
| Net operating income to assets | 1.3100% | 1,273 |
| Return on assets (ROA) | 1.3986% | 1,214 |
| Pretax return on assets | 1.3986% | 2,044 |
| Return on Equity (ROE) | 13.4455% | 1,115 |
| Retained earnings to average equity (ytd only) | 8.8320% | 872 |
| Net charge-offs to loans | 1.1120% | 943 |
| Credit loss provision to net charge-offs | 87.4759% | 3,575 |
| Earnings coverage of net charge-offs (x) | 3.2755% | 3,792 |
| Efficiency ratio | 63.8668% | 4,907 |
| Assets per employee ($millions) | 2.9377% | 6,099 |
| Cash dividends to net income (ytd only)* | 34.3129% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2779% | 520 |
| Loan loss allowance to noncurrent loans | 75.0914% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 3.5714% | 1,257 |
| Noncurrent loans to loans | 4.3652% | 998 |
| Net loans and leases to total assets | 46.9096% | 5,516 |
| Net loans and leases to deposits | 52.8096% | 5,752 |
| Net loans and leases to core deposits | 54.4689% | 5,845 |
| Total domestic deposits to total assets | 88.8277% | 1,691 |
| Equity capital to assets | 10.9131% | 3,054 |
| Core capital (leverage) ratio | 10.1100% | 3,262 |
| Tier 1 risk-based capital ratio | 20.0787% | 1,651 |
| Total risk-based capital ratio | 21.3636% | 1,620 |
| Memoranda: | ||
| Average total assets | $1,046,228,600 | 632 |
| Average earning assets | $933,602,200 | 641 |
| Average equity | $108,831,800 | 653 |
| Average total loans | $513,399,800 | 805 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5768% | 3,298 |
| Cost of funding earning assets | 0.5972% | 4,682 |
| Net interest margin | 3.9797% | 2,576 |
| Noninterest income to average assets | 1.3529% | 814 |
| Noninterest expense to average assets | 3.1626% | 2,673 |
| Loan and lease loss provision to assets | 0.5253% | 1,142 |
| Net operating income to assets | 1.1980% | 1,748 |
| Return on assets (ROA) | 1.3158% | 1,542 |
| Pretax return on assets | 1.3158% | 2,536 |
| Return on Equity (ROE) | 12.8041% | 1,387 |
| Retained earnings to average equity (ytd only) | 10.3310% | 832 |
| Net charge-offs to loans | 0.8753% | 1,254 |
| Credit loss provision to net charge-offs | 121.9469% | 2,373 |
| Earnings coverage of net charge-offs (x) | 4.0006% | 3,433 |
| Efficiency ratio | 64.7291% | 4,671 |
| Assets per employee ($millions) | 2.9519% | 6,127 |
| Cash dividends to net income (ytd only)* | 19.3143% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5316% | 454 |
| Loan loss allowance to noncurrent loans | 75.4458% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 3.5718% | 1,399 |
| Noncurrent loans to loans | 4.6810% | 996 |
| Net loans and leases to total assets | 47.0520% | 5,652 |
| Net loans and leases to deposits | 53.0171% | 5,889 |
| Net loans and leases to core deposits | 55.0054% | 5,968 |
| Total domestic deposits to total assets | 88.7487% | 1,565 |
| Equity capital to assets | 10.8315% | 3,463 |
| Core capital (leverage) ratio | 9.9008% | 3,685 |
| Tier 1 risk-based capital ratio | 19.4018% | 1,895 |
| Total risk-based capital ratio | 20.6921% | 1,863 |
| Memoranda: | ||
| Average total assets | $1,049,270,250 | 631 |
| Average earning assets | $931,509,500 | 646 |
| Average equity | $107,827,750 | 658 |
| Average total loans | $516,371,500 | 811 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6372% | 3,204 |
| Cost of funding earning assets | 0.6260% | 4,666 |
| Net interest margin | 4.0112% | 2,456 |
| Noninterest income to average assets | 1.2526% | 911 |
| Noninterest expense to average assets | 3.1586% | 2,725 |
| Loan and lease loss provision to assets | 0.5797% | 1,046 |
| Net operating income to assets | 1.0605% | 2,202 |
| Return on assets (ROA) | 1.2367% | 1,778 |
| Pretax return on assets | 1.2367% | 2,779 |
| Return on Equity (ROE) | 12.2516% | 1,592 |
| Retained earnings to average equity (ytd only) | 12.2516% | 544 |
| Net charge-offs to loans | 1.0774% | 1,013 |
| Credit loss provision to net charge-offs | 109.0032% | 2,499 |
| Earnings coverage of net charge-offs (x) | 3.0843% | 3,511 |
| Efficiency ratio | 65.8207% | 4,564 |
| Assets per employee ($millions) | 3.0699% | 5,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3824% | 547 |
| Loan loss allowance to noncurrent loans | 66.0795% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 3.7429% | 1,390 |
| Noncurrent loans to loans | 5.1187% | 943 |
| Net loans and leases to total assets | 46.9445% | 5,729 |
| Net loans and leases to deposits | 52.5332% | 5,987 |
| Net loans and leases to core deposits | 54.8560% | 6,033 |
| Total domestic deposits to total assets | 89.3615% | 1,298 |
| Equity capital to assets | 10.3570% | 3,864 |
| Core capital (leverage) ratio | 9.6628% | 3,898 |
| Tier 1 risk-based capital ratio | 19.4479% | 1,867 |
| Total risk-based capital ratio | 20.7369% | 1,823 |
| Memoranda: | ||
| Average total assets | $1,052,676,000 | 631 |
| Average earning assets | $930,651,000 | 647 |
| Average equity | $106,255,330 | 668 |
| Average total loans | $519,564,330 | 797 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7792% | 2,720 |
| Cost of funding earning assets | 0.6585% | 4,652 |
| Net interest margin | 4.1207% | 2,025 |
| Noninterest income to average assets | 1.2391% | 924 |
| Noninterest expense to average assets | 3.1472% | 2,768 |
| Loan and lease loss provision to assets | 0.5912% | 974 |
| Net operating income to assets | 1.1259% | 1,967 |
| Return on assets (ROA) | 1.4792% | 1,184 |
| Pretax return on assets | 1.4792% | 1,931 |
| Return on Equity (ROE) | 14.8504% | 1,002 |
| Retained earnings to average equity (ytd only) | 14.8504% | 464 |
| Net charge-offs to loans | 1.3432% | 759 |
| Credit loss provision to net charge-offs | 88.4769% | 2,574 |
| Earnings coverage of net charge-offs (x) | 2.5699% | 3,140 |
| Efficiency ratio | 64.6999% | 4,798 |
| Assets per employee ($millions) | 3.0307% | 6,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2918% | 624 |
| Loan loss allowance to noncurrent loans | 58.7713% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 4.2563% | 1,278 |
| Noncurrent loans to loans | 5.6010% | 944 |
| Net loans and leases to total assets | 47.3572% | 5,637 |
| Net loans and leases to deposits | 52.8033% | 5,913 |
| Net loans and leases to core deposits | 55.5351% | 5,944 |
| Total domestic deposits to total assets | 89.6860% | 1,249 |
| Equity capital to assets | 10.0651% | 4,047 |
| Core capital (leverage) ratio | 9.3490% | 4,285 |
| Tier 1 risk-based capital ratio | 18.7030% | 2,077 |
| Total risk-based capital ratio | 19.9874% | 2,038 |
| Memoranda: | ||
| Average total assets | $1,049,452,000 | 635 |
| Average earning assets | $923,244,500 | 654 |
| Average equity | $104,536,000 | 672 |
| Average total loans | $522,043,500 | 798 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0030% | 2,862 |
| Cost of funding earning assets | 0.9387% | 3,796 |
| Net interest margin | 4.0644% | 2,588 |
| Noninterest income to average assets | 1.1821% | 947 |
| Noninterest expense to average assets | 3.1946% | 2,887 |
| Loan and lease loss provision to assets | 0.6523% | 1,559 |
| Net operating income to assets | 0.8918% | 2,636 |
| Return on assets (ROA) | 0.9488% | 2,542 |
| Pretax return on assets | 0.9488% | 3,431 |
| Return on Equity (ROE) | 9.6977% | 2,168 |
| Retained earnings to average equity (ytd only) | 1.9229% | 4,837 |
| Net charge-offs to loans | 1.7562% | 851 |
| Credit loss provision to net charge-offs | 69.6148% | 4,861 |
| Earnings coverage of net charge-offs (x) | 1.6479% | 4,535 |
| Efficiency ratio | 67.4151% | 4,484 |
| Assets per employee ($millions) | 2.9091% | 6,272 |
| Cash dividends to net income (ytd only)* | 80.1713% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2421% | 654 |
| Loan loss allowance to noncurrent loans | 49.5981% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 4.7063% | 1,160 |
| Noncurrent loans to loans | 6.5367% | 710 |
| Net loans and leases to total assets | 48.8849% | 5,730 |
| Net loans and leases to deposits | 54.5048% | 6,021 |
| Net loans and leases to core deposits | 57.9051% | 6,003 |
| Total domestic deposits to total assets | 89.6891% | 1,163 |
| Equity capital to assets | 9.8565% | 4,361 |
| Core capital (leverage) ratio | 8.9244% | 4,898 |
| Tier 1 risk-based capital ratio | 17.7623% | 2,276 |
| Total risk-based capital ratio | 19.0459% | 2,240 |
| Memoranda: | ||
| Average total assets | $1,058,290,400 | 623 |
| Average earning assets | $926,076,200 | 642 |
| Average equity | $103,540,000 | 664 |
| Average total loans | $564,627,800 | 748 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0094% | 3,039 |
| Cost of funding earning assets | 0.9929% | 3,735 |
| Net interest margin | 4.0165% | 2,847 |
| Noninterest income to average assets | 1.1587% | 976 |
| Noninterest expense to average assets | 3.1841% | 2,871 |
| Loan and lease loss provision to assets | 0.4301% | 2,322 |
| Net operating income to assets | 1.0578% | 2,113 |
| Return on assets (ROA) | 1.1143% | 2,059 |
| Pretax return on assets | 1.1143% | 2,951 |
| Return on Equity (ROE) | 11.4107% | 1,717 |
| Retained earnings to average equity (ytd only) | 8.8373% | 1,206 |
| Net charge-offs to loans | 1.2956% | 1,193 |
| Credit loss provision to net charge-offs | 61.4211% | 4,763 |
| Earnings coverage of net charge-offs (x) | 2.1247% | 4,075 |
| Efficiency ratio | 68.1522% | 4,289 |
| Assets per employee ($millions) | 2.8712% | 6,370 |
| Cash dividends to net income (ytd only)* | 22.5530% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2581% | 683 |
| Loan loss allowance to noncurrent loans | 42.1017% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 5.5331% | 1,000 |
| Noncurrent loans to loans | 7.7386% | 589 |
| Net loans and leases to total assets | 50.9088% | 5,597 |
| Net loans and leases to deposits | 57.7083% | 5,867 |
| Net loans and leases to core deposits | 61.7405% | 5,837 |
| Total domestic deposits to total assets | 88.2175% | 1,912 |
| Equity capital to assets | 10.4197% | 3,801 |
| Core capital (leverage) ratio | 9.3386% | 4,398 |
| Tier 1 risk-based capital ratio | 18.7409% | 2,011 |
| Total risk-based capital ratio | 20.0283% | 1,965 |
| Memoranda: | ||
| Average total assets | $1,061,048,000 | 627 |
| Average earning assets | $928,124,000 | 646 |
| Average equity | $103,619,250 | 667 |
| Average total loans | $573,508,250 | 747 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9364% | 3,459 |
| Cost of funding earning assets | 1.0435% | 3,648 |
| Net interest margin | 3.8929% | 3,349 |
| Noninterest income to average assets | 1.3380% | 705 |
| Noninterest expense to average assets | 3.2364% | 2,786 |
| Loan and lease loss provision to assets | 0.5062% | 1,932 |
| Net operating income to assets | 0.9879% | 2,274 |
| Return on assets (ROA) | 1.0725% | 2,054 |
| Pretax return on assets | 1.0725% | 2,959 |
| Return on Equity (ROE) | 11.2296% | 1,719 |
| Retained earnings to average equity (ytd only) | 11.2296% | 629 |
| Net charge-offs to loans | 2.0522% | 646 |
| Credit loss provision to net charge-offs | 45.2393% | 4,703 |
| Earnings coverage of net charge-offs (x) | 1.3353% | 4,287 |
| Efficiency ratio | 68.4156% | 4,434 |
| Assets per employee ($millions) | 2.9225% | 6,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0143% | 890 |
| Loan loss allowance to noncurrent loans | 36.9999% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 5.7440% | 1,005 |
| Noncurrent loans to loans | 8.1467% | 544 |
| Net loans and leases to total assets | 50.9935% | 5,694 |
| Net loans and leases to deposits | 57.8975% | 5,946 |
| Net loans and leases to core deposits | 62.5215% | 5,860 |
| Total domestic deposits to total assets | 88.0755% | 2,096 |
| Equity capital to assets | 9.9836% | 4,173 |
| Core capital (leverage) ratio | 9.1744% | 4,450 |
| Tier 1 risk-based capital ratio | 18.2095% | 2,100 |
| Total risk-based capital ratio | 19.4881% | 2,051 |
| Memoranda: | ||
| Average total assets | $1,064,446,330 | 630 |
| Average earning assets | $927,642,670 | 650 |
| Average equity | $101,660,330 | 678 |
| Average total loans | $580,346,330 | 745 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9758% | 3,217 |
| Cost of funding earning assets | 1.0877% | 3,603 |
| Net interest margin | 3.8881% | 3,205 |
| Noninterest income to average assets | 1.3358% | 722 |
| Noninterest expense to average assets | 3.1656% | 3,007 |
| Loan and lease loss provision to assets | 0.5267% | 1,648 |
| Net operating income to assets | 1.0322% | 2,062 |
| Return on assets (ROA) | 1.2015% | 1,563 |
| Pretax return on assets | 1.2015% | 2,360 |
| Return on Equity (ROE) | 12.8736% | 1,224 |
| Retained earnings to average equity (ytd only) | 12.8736% | 607 |
| Net charge-offs to loans | 3.3425% | 306 |
| Credit loss provision to net charge-offs | 28.3918% | 4,144 |
| Earnings coverage of net charge-offs (x) | 0.8404% | 4,007 |
| Efficiency ratio | 67.0037% | 4,851 |
| Assets per employee ($millions) | 2.9350% | 6,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8767% | 1,033 |
| Loan loss allowance to noncurrent loans | 40.9612% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 5.2664% | 1,178 |
| Noncurrent loans to loans | 7.0231% | 785 |
| Net loans and leases to total assets | 52.1436% | 5,560 |
| Net loans and leases to deposits | 59.1063% | 5,811 |
| Net loans and leases to core deposits | 64.0361% | 5,721 |
| Total domestic deposits to total assets | 88.2200% | 2,250 |
| Equity capital to assets | 9.3497% | 4,654 |
| Core capital (leverage) ratio | 8.9826% | 4,640 |
| Tier 1 risk-based capital ratio | 17.5206% | 2,286 |
| Total risk-based capital ratio | 18.7937% | 2,244 |
| Memoranda: | ||
| Average total assets | $1,063,311,500 | 635 |
| Average earning assets | $926,730,500 | 658 |
| Average equity | $99,242,000 | 685 |
| Average total loans | $590,088,500 | 733 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6093% | 1,860 |
| Cost of funding earning assets | 1.2882% | 3,960 |
| Net interest margin | 4.3211% | 1,751 |
| Noninterest income to average assets | 2.8317% | 244 |
| Noninterest expense to average assets | 3.3302% | 2,639 |
| Loan and lease loss provision to assets | 1.6535% | 862 |
| Net operating income to assets | 1.6653% | 556 |
| Return on assets (ROA) | 1.6937% | 564 |
| Pretax return on assets | 1.6937% | 956 |
| Return on Equity (ROE) | 16.8628% | 491 |
| Retained earnings to average equity (ytd only) | 8.7787% | 760 |
| Net charge-offs to loans | 2.0444% | 984 |
| Credit loss provision to net charge-offs | 135.2674% | 2,875 |
| Earnings coverage of net charge-offs (x) | 2.7149% | 3,726 |
| Efficiency ratio | 50.0859% | 7,121 |
| Assets per employee ($millions) | 2.9815% | 6,141 |
| Cash dividends to net income (ytd only)* | 47.9401% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3506% | 656 |
| Loan loss allowance to noncurrent loans | 52.7476% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 4.9924% | 1,283 |
| Noncurrent loans to loans | 6.3522% | 958 |
| Net loans and leases to total assets | 55.4287% | 5,425 |
| Net loans and leases to deposits | 62.3705% | 5,809 |
| Net loans and leases to core deposits | 66.9692% | 5,778 |
| Total domestic deposits to total assets | 88.8701% | 1,732 |
| Equity capital to assets | 9.3165% | 4,669 |
| Core capital (leverage) ratio | 9.1848% | 4,196 |
| Tier 1 risk-based capital ratio | 16.2016% | 2,657 |
| Total risk-based capital ratio | 17.4847% | 2,599 |
| Memoranda: | ||
| Average total assets | $954,504,800 | 702 |
| Average earning assets | $843,203,200 | 725 |
| Average equity | $95,868,000 | 699 |
| Average total loans | $570,735,000 | 788 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8932% | 1,150 |
| Cost of funding earning assets | 1.3190% | 4,118 |
| Net interest margin | 4.5742% | 1,099 |
| Noninterest income to average assets | 1.5494% | 582 |
| Noninterest expense to average assets | 3.2366% | 2,790 |
| Loan and lease loss provision to assets | 0.8800% | 1,730 |
| Net operating income to assets | 1.4914% | 942 |
| Return on assets (ROA) | 1.5302% | 947 |
| Pretax return on assets | 1.5302% | 1,531 |
| Return on Equity (ROE) | 14.9304% | 871 |
| Retained earnings to average equity (ytd only) | 11.7856% | 484 |
| Net charge-offs to loans | 1.8474% | 1,042 |
| Credit loss provision to net charge-offs | 78.7564% | 5,175 |
| Earnings coverage of net charge-offs (x) | 2.1223% | 4,135 |
| Efficiency ratio | 57.7143% | 6,307 |
| Assets per employee ($millions) | 2.8101% | 6,565 |
| Cash dividends to net income (ytd only)* | 21.0635% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5846% | 1,229 |
| Loan loss allowance to noncurrent loans | 45.8119% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 4.5885% | 1,477 |
| Noncurrent loans to loans | 5.6419% | 1,162 |
| Net loans and leases to total assets | 57.1210% | 5,394 |
| Net loans and leases to deposits | 65.4763% | 5,724 |
| Net loans and leases to core deposits | 70.4163% | 5,706 |
| Total domestic deposits to total assets | 87.2392% | 2,404 |
| Equity capital to assets | 10.6444% | 3,355 |
| Core capital (leverage) ratio | 9.7162% | 3,600 |
| Tier 1 risk-based capital ratio | 16.5589% | 2,534 |
| Total risk-based capital ratio | 17.8333% | 2,477 |
| Memoranda: | ||
| Average total assets | $930,759,250 | 723 |
| Average earning assets | $825,828,500 | 734 |
| Average equity | $95,391,250 | 703 |
| Average total loans | $562,947,750 | 805 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0175% | 905 |
| Cost of funding earning assets | 1.3608% | 4,112 |
| Net interest margin | 4.6567% | 885 |
| Noninterest income to average assets | 1.5136% | 563 |
| Noninterest expense to average assets | 3.1610% | 3,046 |
| Loan and lease loss provision to assets | 1.1733% | 1,204 |
| Net operating income to assets | 1.3046% | 1,292 |
| Return on assets (ROA) | 1.3531% | 1,256 |
| Pretax return on assets | 1.3531% | 1,939 |
| Return on Equity (ROE) | 13.3794% | 1,163 |
| Retained earnings to average equity (ytd only) | 10.1704% | 808 |
| Net charge-offs to loans | 0.9580% | 1,923 |
| Credit loss provision to net charge-offs | 200.4065% | 1,955 |
| Earnings coverage of net charge-offs (x) | 4.2324% | 3,014 |
| Efficiency ratio | 56.0565% | 6,630 |
| Assets per employee ($millions) | 2.7863% | 6,598 |
| Cash dividends to net income (ytd only)* | 23.9846% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3184% | 632 |
| Loan loss allowance to noncurrent loans | 72.6776% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 3.8382% | 1,808 |
| Noncurrent loans to loans | 4.5659% | 1,586 |
| Net loans and leases to total assets | 58.0649% | 5,410 |
| Net loans and leases to deposits | 66.7073% | 5,720 |
| Net loans and leases to core deposits | 71.4092% | 5,736 |
| Total domestic deposits to total assets | 87.0442% | 2,505 |
| Equity capital to assets | 10.3049% | 3,647 |
| Core capital (leverage) ratio | 9.3298% | 4,067 |
| Tier 1 risk-based capital ratio | 15.7822% | 2,762 |
| Total risk-based capital ratio | 17.0589% | 2,716 |
| Memoranda: | ||
| Average total assets | $924,404,330 | 721 |
| Average earning assets | $818,907,000 | 744 |
| Average equity | $93,487,330 | 705 |
| Average total loans | $564,949,000 | 809 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0488% | 888 |
| Cost of funding earning assets | 1.4086% | 4,123 |
| Net interest margin | 4.6403% | 891 |
| Noninterest income to average assets | 1.5101% | 529 |
| Noninterest expense to average assets | 3.4818% | 2,031 |
| Loan and lease loss provision to assets | 0.8832% | 1,441 |
| Net operating income to assets | 1.2576% | 1,390 |
| Return on assets (ROA) | 1.2576% | 1,463 |
| Pretax return on assets | 1.2576% | 2,184 |
| Return on Equity (ROE) | 12.5574% | 1,359 |
| Retained earnings to average equity (ytd only) | 12.5574% | 676 |
| Net charge-offs to loans | 0.6780% | 2,136 |
| Credit loss provision to net charge-offs | 211.2853% | 1,762 |
| Earnings coverage of net charge-offs (x) | 5.1212% | 2,463 |
| Efficiency ratio | 61.9251% | 5,845 |
| Assets per employee ($millions) | 2.7516% | 6,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0395% | 793 |
| Loan loss allowance to noncurrent loans | 54.6642% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 4.3149% | 1,576 |
| Noncurrent loans to loans | 5.5603% | 1,251 |
| Net loans and leases to total assets | 58.3659% | 5,375 |
| Net loans and leases to deposits | 66.6200% | 5,755 |
| Net loans and leases to core deposits | 71.5963% | 5,754 |
| Total domestic deposits to total assets | 87.6101% | 2,295 |
| Equity capital to assets | 9.9877% | 3,892 |
| Core capital (leverage) ratio | 9.3269% | 4,001 |
| Tier 1 risk-based capital ratio | 15.5645% | 2,843 |
| Total risk-based capital ratio | 16.8372% | 2,779 |
| Memoranda: | ||
| Average total assets | $915,723,000 | 746 |
| Average earning assets | $811,593,500 | 770 |
| Average equity | $91,707,000 | 720 |
| Average total loans | $564,621,000 | 829 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0482% | 1,677 |
| Cost of funding earning assets | 1.7806% | 4,100 |
| Net interest margin | 4.2676% | 1,826 |
| Noninterest income to average assets | 2.7870% | 242 |
| Noninterest expense to average assets | 3.4374% | 2,561 |
| Loan and lease loss provision to assets | 1.3192% | 1,743 |
| Net operating income to assets | 1.8560% | 319 |
| Return on assets (ROA) | 1.8568% | 328 |
| Pretax return on assets | 1.8568% | 565 |
| Return on Equity (ROE) | 19.7093% | 258 |
| Retained earnings to average equity (ytd only) | 11.4267% | 255 |
| Net charge-offs to loans | 0.8618% | 2,674 |
| Credit loss provision to net charge-offs | 237.8007% | 1,514 |
| Earnings coverage of net charge-offs (x) | 5.7236% | 2,516 |
| Efficiency ratio | 51.9829% | 7,385 |
| Assets per employee ($millions) | 2.6350% | 6,975 |
| Cash dividends to net income (ytd only)* | 42.0239% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8356% | 893 |
| Loan loss allowance to noncurrent loans | 68.0949% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 3.3662% | 2,026 |
| Noncurrent loans to loans | 4.1642% | 1,755 |
| Net loans and leases to total assets | 61.3945% | 5,125 |
| Net loans and leases to deposits | 70.1077% | 5,592 |
| Net loans and leases to core deposits | 88.8955% | 5,237 |
| Total domestic deposits to total assets | 87.5717% | 2,189 |
| Equity capital to assets | 10.0429% | 3,700 |
| Core capital (leverage) ratio | 8.8205% | 4,737 |
| Tier 1 risk-based capital ratio | 15.0058% | 2,935 |
| Total risk-based capital ratio | 16.2735% | 2,880 |
| Memoranda: | ||
| Average total assets | $839,299,600 | 808 |
| Average earning assets | $752,366,800 | 825 |
| Average equity | $79,069,200 | 817 |
| Average total loans | $540,251,400 | 886 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8832% | 2,521 |
| Cost of funding earning assets | 1.7347% | 4,726 |
| Net interest margin | 4.1485% | 2,217 |
| Noninterest income to average assets | 3.2858% | 202 |
| Noninterest expense to average assets | 3.4556% | 2,403 |
| Loan and lease loss provision to assets | 1.0333% | 1,856 |
| Net operating income to assets | 2.5286% | 99 |
| Return on assets (ROA) | 2.5296% | 109 |
| Pretax return on assets | 2.5296% | 181 |
| Return on Equity (ROE) | 27.3408% | 87 |
| Retained earnings to average equity (ytd only) | 20.1454% | 63 |
| Net charge-offs to loans | 0.8870% | 2,189 |
| Credit loss provision to net charge-offs | 180.0901% | 2,543 |
| Earnings coverage of net charge-offs (x) | 6.2078% | 2,645 |
| Efficiency ratio | 49.2425% | 7,606 |
| Assets per employee ($millions) | 2.7835% | 6,674 |
| Cash dividends to net income (ytd only)* | 26.3175% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1812% | 1,453 |
| Loan loss allowance to noncurrent loans | 65.6911% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 2.5480% | 2,723 |
| Noncurrent loans to loans | 3.3203% | 2,274 |
| Net loans and leases to total assets | 60.2028% | 5,551 |
| Net loans and leases to deposits | 70.0584% | 5,911 |
| Net loans and leases to core deposits | 87.4594% | 5,696 |
| Total domestic deposits to total assets | 85.9323% | 2,727 |
| Equity capital to assets | 10.0823% | 3,978 |
| Core capital (leverage) ratio | 9.8338% | 3,476 |
| Tier 1 risk-based capital ratio | 15.1674% | 2,968 |
| Total risk-based capital ratio | 16.4297% | 2,902 |
| Memoranda: | ||
| Average total assets | $825,150,000 | 831 |
| Average earning assets | $742,250,250 | 850 |
| Average equity | $76,343,000 | 858 |
| Average total loans | $533,793,250 | 910 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0684% | 1,904 |
| Cost of funding earning assets | 1.8024% | 4,745 |
| Net interest margin | 4.2660% | 1,758 |
| Noninterest income to average assets | 1.7365% | 485 |
| Noninterest expense to average assets | 3.6482% | 1,950 |
| Loan and lease loss provision to assets | 0.6233% | 2,563 |
| Net operating income to assets | 1.3397% | 1,141 |
| Return on assets (ROA) | 1.3412% | 1,211 |
| Pretax return on assets | 1.3412% | 1,902 |
| Return on Equity (ROE) | 15.0256% | 825 |
| Retained earnings to average equity (ytd only) | 5.5283% | 2,233 |
| Net charge-offs to loans | 0.6096% | 2,518 |
| Credit loss provision to net charge-offs | 155.1008% | 2,967 |
| Earnings coverage of net charge-offs (x) | 4.8848% | 2,973 |
| Efficiency ratio | 65.0160% | 5,717 |
| Assets per employee ($millions) | 2.4869% | 7,282 |
| Cash dividends to net income (ytd only)* | 63.2075% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9900% | 1,586 |
| Loan loss allowance to noncurrent loans | 71.8406% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.8737% | 3,367 |
| Noncurrent loans to loans | 2.7700% | 2,599 |
| Net loans and leases to total assets | 66.2958% | 4,511 |
| Net loans and leases to deposits | 75.4139% | 5,257 |
| Net loans and leases to core deposits | 92.4653% | 5,299 |
| Total domestic deposits to total assets | 87.9093% | 1,815 |
| Equity capital to assets | 9.0846% | 5,191 |
| Core capital (leverage) ratio | 8.2556% | 5,875 |
| Tier 1 risk-based capital ratio | 11.9860% | 4,929 |
| Total risk-based capital ratio | 13.2444% | 4,840 |
| Memoranda: | ||
| Average total assets | $790,307,670 | 890 |
| Average earning assets | $717,819,670 | 891 |
| Average equity | $70,546,330 | 949 |
| Average total loans | $521,000,330 | 950 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0924% | 1,970 |
| Cost of funding earning assets | 1.8550% | 4,853 |
| Net interest margin | 4.2375% | 1,785 |
| Noninterest income to average assets | 1.7464% | 449 |
| Noninterest expense to average assets | 3.3312% | 2,564 |
| Loan and lease loss provision to assets | 0.6194% | 2,036 |
| Net operating income to assets | 1.6473% | 721 |
| Return on assets (ROA) | 1.6498% | 785 |
| Pretax return on assets | 1.6498% | 1,292 |
| Return on Equity (ROE) | 18.6441% | 535 |
| Retained earnings to average equity (ytd only) | 15.8011% | 354 |
| Net charge-offs to loans | 0.8535% | 1,532 |
| Credit loss provision to net charge-offs | 111.5036% | 3,466 |
| Earnings coverage of net charge-offs (x) | 4.0806% | 2,984 |
| Efficiency ratio | 59.5093% | 6,473 |
| Assets per employee ($millions) | 2.5366% | 7,208 |
| Cash dividends to net income (ytd only)* | 15.2486% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8317% | 1,777 |
| Loan loss allowance to noncurrent loans | 97.2217% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 1.5897% | 3,535 |
| Noncurrent loans to loans | 1.8841% | 3,434 |
| Net loans and leases to total assets | 66.1130% | 4,561 |
| Net loans and leases to deposits | 75.8938% | 5,239 |
| Net loans and leases to core deposits | 91.2163% | 5,440 |
| Total domestic deposits to total assets | 87.1125% | 2,161 |
| Equity capital to assets | 9.1361% | 5,171 |
| Core capital (leverage) ratio | 8.3301% | 5,847 |
| Tier 1 risk-based capital ratio | 11.5396% | 5,364 |
| Total risk-based capital ratio | 12.7317% | 5,330 |
| Memoranda: | ||
| Average total assets | $795,021,500 | 885 |
| Average earning assets | $722,601,500 | 884 |
| Average equity | $70,349,500 | 958 |
| Average total loans | $517,399,500 | 962 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7668% | 1,801 |
| Cost of funding earning assets | 2.3058% | 5,118 |
| Net interest margin | 4.4610% | 1,512 |
| Noninterest income to average assets | 1.7166% | 462 |
| Noninterest expense to average assets | 3.5863% | 2,189 |
| Loan and lease loss provision to assets | 0.3553% | 3,557 |
| Net operating income to assets | 1.8982% | 430 |
| Return on assets (ROA) | 1.9341% | 392 |
| Pretax return on assets | 1.9341% | 716 |
| Return on Equity (ROE) | 19.8135% | 393 |
| Retained earnings to average equity (ytd only) | 8.0400% | 838 |
| Net charge-offs to loans | 0.2397% | 3,855 |
| Credit loss provision to net charge-offs | 206.5236% | 2,347 |
| Earnings coverage of net charge-offs (x) | 13.0996% | 2,170 |
| Efficiency ratio | 61.3432% | 6,100 |
| Assets per employee ($millions) | 2.5762% | 7,056 |
| Cash dividends to net income (ytd only)* | 59.4213% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9203% | 1,375 |
| Loan loss allowance to noncurrent loans | 93.9456% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.5226% | 3,170 |
| Noncurrent loans to loans | 2.0440% | 2,706 |
| Net loans and leases to total assets | 61.6271% | 5,676 |
| Net loans and leases to deposits | 69.8561% | 6,283 |
| Net loans and leases to core deposits | 84.2092% | 6,272 |
| Total domestic deposits to total assets | 88.2202% | 1,373 |
| Equity capital to assets | 8.5640% | 5,989 |
| Core capital (leverage) ratio | 9.1537% | 4,521 |
| Tier 1 risk-based capital ratio | 11.8539% | 4,938 |
| Total risk-based capital ratio | 13.0761% | 4,863 |
| Memoranda: | ||
| Average total assets | $677,209,000 | 982 |
| Average earning assets | $625,942,000 | 967 |
| Average equity | $66,106,600 | 1,011 |
| Average total loans | $486,099,200 | 984 |