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 | 5.6797% | 953 |
| Cost of funding earning assets | 2.5877% | 303 |
| Net interest margin | 3.0920% | 3,109 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.8945% | 1,282 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1025% | 4,250 |
| Return on assets (ROA) | 0.1025% | 4,278 |
| Pretax return on assets | 0.1025% | 4,278 |
| Return on Equity (ROE) | 1.1100% | 4,250 |
| Retained earnings to average equity (ytd only) | 0.1456% | 4,014 |
| Net charge-offs to loans | -0.0056% | 3,854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 96.5802% | 243 |
| Assets per employee ($millions) | 4.8293% | 3,753 |
| Cash dividends to net income (ytd only)* | 86.8794% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4930% | 1,077 |
| Loan loss allowance to noncurrent loans | 349.7431% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.3598% | 1,524 |
| Noncurrent loans to loans | 0.4269% | 1,714 |
| Net loans and leases to total assets | 83.0200% | 343 |
| Net loans and leases to deposits | 99.7020% | 551 |
| Net loans and leases to core deposits | 110.6148% | 936 |
| Total domestic deposits to total assets | 83.2700% | 2,821 |
| Equity capital to assets | 10.3127% | 1,838 |
| Core capital (leverage) ratio | 10.3747% | 2,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8332% | 1,586 |
| Memoranda: | ||
| Average total assets | $275,143,400 | 2,549 |
| Average earning assets | $249,414,000 | 2,576 |
| Average equity | $25,419,400 | 2,495 |
| Average total loans | $232,825,400 | 2,087 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5180% | 993 |
| Cost of funding earning assets | 2.4054% | 336 |
| Net interest margin | 3.1127% | 3,117 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.9173% | 1,196 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0989% | 4,319 |
| Return on assets (ROA) | 0.0989% | 4,340 |
| Pretax return on assets | 0.0989% | 4,347 |
| Return on Equity (ROE) | 1.1000% | 4,303 |
| Retained earnings to average equity (ytd only) | -0.2150% | 4,175 |
| Net charge-offs to loans | -0.0057% | 3,779 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 96.7205% | 222 |
| Assets per employee ($millions) | 5.1014% | 3,523 |
| Cash dividends to net income (ytd only)* | 119.5122% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 1,157 |
| Loan loss allowance to noncurrent loans | 330.4179% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.3806% | 1,515 |
| Noncurrent loans to loans | 0.4486% | 1,700 |
| Net loans and leases to total assets | 83.5800% | 317 |
| Net loans and leases to deposits | 104.5325% | 336 |
| Net loans and leases to core deposits | 127.8040% | 370 |
| Total domestic deposits to total assets | 79.9500% | 3,534 |
| Equity capital to assets | 9.1325% | 2,341 |
| Core capital (leverage) ratio | 9.0508% | 3,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3887% | 2,119 |
| Memoranda: | ||
| Average total assets | $276,318,750 | 2,547 |
| Average earning assets | $251,097,250 | 2,568 |
| Average equity | $24,801,750 | 2,513 |
| Average total loans | $234,049,250 | 2,086 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3272% | 1,044 |
| Cost of funding earning assets | 2.1648% | 364 |
| Net interest margin | 3.1625% | 3,073 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.8652% | 1,292 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1940% | 4,285 |
| Return on assets (ROA) | 0.1940% | 4,307 |
| Pretax return on assets | 0.1940% | 4,327 |
| Return on Equity (ROE) | 2.1700% | 4,249 |
| Retained earnings to average equity (ytd only) | 0.6039% | 3,969 |
| Net charge-offs to loans | -0.0051% | 3,718 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 93.6575% | 269 |
| Assets per employee ($millions) | 4.7009% | 3,821 |
| Cash dividends to net income (ytd only)* | 72.2222% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 1,384 |
| Loan loss allowance to noncurrent loans | 1,271.9101% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 2,876 |
| Noncurrent loans to loans | 0.1133% | 2,910 |
| Net loans and leases to total assets | 82.3200% | 396 |
| Net loans and leases to deposits | 107.6706% | 258 |
| Net loans and leases to core deposits | 133.7820% | 279 |
| Total domestic deposits to total assets | 76.4600% | 4,007 |
| Equity capital to assets | 8.8270% | 2,641 |
| Core capital (leverage) ratio | 9.1343% | 3,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0721% | 2,269 |
| Memoranda: | ||
| Average total assets | $278,300,333 | 2,537 |
| Average earning assets | $252,588,667 | 2,568 |
| Average equity | $24,838,333 | 2,529 |
| Average total loans | $235,609,333 | 2,074 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2215% | 929 |
| Cost of funding earning assets | 2.0503% | 267 |
| Net interest margin | 3.1712% | 3,185 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.7914% | 1,453 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2388% | 4,317 |
| Return on assets (ROA) | 0.2388% | 4,282 |
| Pretax return on assets | 0.2388% | 4,304 |
| Return on Equity (ROE) | 2.6600% | 4,224 |
| Retained earnings to average equity (ytd only) | 0.8062% | 3,895 |
| Net charge-offs to loans | -0.0051% | 3,643 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 92.1203% | 303 |
| Assets per employee ($millions) | 4.8213% | 3,779 |
| Cash dividends to net income (ytd only)* | 69.6970% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 1,498 |
| Loan loss allowance to noncurrent loans | 1,233.8182% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 2,845 |
| Noncurrent loans to loans | 0.1160% | 2,939 |
| Net loans and leases to total assets | 83.5700% | 265 |
| Net loans and leases to deposits | 103.2908% | 322 |
| Net loans and leases to core deposits | 123.8234% | 368 |
| Total domestic deposits to total assets | 80.9000% | 3,647 |
| Equity capital to assets | 8.8952% | 2,596 |
| Core capital (leverage) ratio | 9.1377% | 3,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7593% | 2,479 |
| Memoranda: | ||
| Average total assets | $276,422,500 | 2,580 |
| Average earning assets | $250,503,500 | 2,618 |
| Average equity | $24,809,000 | 2,560 |
| Average total loans | $235,618,000 | 2,093 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6382% | 572 |
| Cost of funding earning assets | 0.7913% | 398 |
| Net interest margin | 3.8469% | 1,069 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 3.2124% | 707 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.5264% | 4,041 |
| Return on assets (ROA) | 0.5264% | 3,999 |
| Pretax return on assets | 0.5264% | 4,138 |
| Return on Equity (ROE) | 5.6200% | 3,903 |
| Retained earnings to average equity (ytd only) | 1.5810% | 4,081 |
| Net charge-offs to loans | -0.0104% | 3,840 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.9962% | 542 |
| Assets per employee ($millions) | 4.7932% | 3,821 |
| Cash dividends to net income (ytd only)* | 71.8433% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4477% | 1,345 |
| Loan loss allowance to noncurrent loans | 2,092.5926% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 3,219 |
| Noncurrent loans to loans | 0.0692% | 3,257 |
| Net loans and leases to total assets | 84.4700% | 224 |
| Net loans and leases to deposits | 111.3738% | 142 |
| Net loans and leases to core deposits | 128.5296% | 247 |
| Total domestic deposits to total assets | 75.8400% | 4,263 |
| Equity capital to assets | 9.0567% | 2,325 |
| Core capital (leverage) ratio | 9.3449% | 3,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6376% | 2,515 |
| Memoranda: | ||
| Average total assets | $261,799,600 | 2,657 |
| Average earning assets | $237,205,600 | 2,689 |
| Average equity | $24,541,200 | 2,600 |
| Average total loans | $221,233,600 | 2,103 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4789% | 512 |
| Cost of funding earning assets | 0.5764% | 494 |
| Net interest margin | 3.9025% | 804 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 3.2428% | 644 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.5890% | 3,856 |
| Return on assets (ROA) | 0.5890% | 3,819 |
| Pretax return on assets | 0.5890% | 4,010 |
| Return on Equity (ROE) | 6.2300% | 3,752 |
| Retained earnings to average equity (ytd only) | 1.9272% | 4,048 |
| Net charge-offs to loans | -0.0116% | 3,763 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.0479% | 647 |
| Assets per employee ($millions) | 4.2214% | 4,208 |
| Cash dividends to net income (ytd only)* | 69.0559% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 1,450 |
| Loan loss allowance to noncurrent loans | 2,154.6053% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 3,314 |
| Noncurrent loans to loans | 0.0673% | 3,395 |
| Net loans and leases to total assets | 85.0000% | 182 |
| Net loans and leases to deposits | 102.6135% | 279 |
| Net loans and leases to core deposits | 119.1836% | 272 |
| Total domestic deposits to total assets | 82.8400% | 3,717 |
| Equity capital to assets | 9.3827% | 1,963 |
| Core capital (leverage) ratio | 9.7116% | 2,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9819% | 2,479 |
| Memoranda: | ||
| Average total assets | $258,946,750 | 2,691 |
| Average earning assets | $235,021,000 | 2,723 |
| Average equity | $24,490,500 | 2,652 |
| Average total loans | $218,001,750 | 2,122 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 502 |
| Cost of funding earning assets | 0.5733% | 341 |
| Net interest margin | 3.7620% | 818 |
| Noninterest income to average assets | 0.4860% | 2,276 |
| Noninterest expense to average assets | 3.1819% | 652 |
| Loan and lease loss provision to assets | 0.1643% | 563 |
| Net operating income to assets | 0.5581% | 3,743 |
| Return on assets (ROA) | 0.5581% | 3,692 |
| Pretax return on assets | 0.5581% | 3,909 |
| Return on Equity (ROE) | 5.8852% | 3,603 |
| Retained earnings to average equity (ytd only) | 0.4087% | 4,107 |
| Net charge-offs to loans | -0.0149% | 3,757 |
| Credit loss provision to net charge-offs | -1,325.0000% | 3,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4969% | 836 |
| Assets per employee ($millions) | 3.9928% | 4,373 |
| Cash dividends to net income (ytd only)* | 93.0556% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 1,449 |
| Loan loss allowance to noncurrent loans | 1,981.7073% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 3,337 |
| Noncurrent loans to loans | 0.0750% | 3,425 |
| Net loans and leases to total assets | 84.2635% | 175 |
| Net loans and leases to deposits | 96.2368% | 424 |
| Net loans and leases to core deposits | 106.2698% | 443 |
| Total domestic deposits to total assets | 87.5585% | 2,743 |
| Equity capital to assets | 9.5406% | 1,984 |
| Core capital (leverage) ratio | 9.4468% | 2,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9954% | 2,498 |
| Memoranda: | ||
| Average total assets | $258,020,333 | 2,725 |
| Average earning assets | $234,450,667 | 2,760 |
| Average equity | $24,468,333 | 2,711 |
| Average total loans | $215,421,667 | 2,144 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2046% | 511 |
| Cost of funding earning assets | 0.5700% | 316 |
| Net interest margin | 3.6346% | 840 |
| Noninterest income to average assets | 0.5616% | 1,862 |
| Noninterest expense to average assets | 3.1412% | 657 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7359% | 2,903 |
| Return on assets (ROA) | 0.7359% | 2,897 |
| Pretax return on assets | 0.7359% | 3,289 |
| Return on Equity (ROE) | 7.7838% | 2,766 |
| Retained earnings to average equity (ytd only) | 0.6854% | 3,881 |
| Net charge-offs to loans | -0.0224% | 3,976 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0187% | 1,070 |
| Assets per employee ($millions) | 4.7140% | 3,990 |
| Cash dividends to net income (ytd only)* | 91.1950% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4499% | 1,715 |
| Loan loss allowance to noncurrent loans | 1,185.1563% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 3,116 |
| Noncurrent loans to loans | 0.1223% | 3,211 |
| Net loans and leases to total assets | 79.5391% | 260 |
| Net loans and leases to deposits | 90.6040% | 479 |
| Net loans and leases to core deposits | 100.9195% | 484 |
| Total domestic deposits to total assets | 87.7876% | 2,629 |
| Equity capital to assets | 9.4230% | 2,345 |
| Core capital (leverage) ratio | 9.5007% | 2,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0107% | 2,603 |
| Memoranda: | ||
| Average total assets | $259,261,000 | 2,726 |
| Average earning assets | $236,503,500 | 2,760 |
| Average equity | $24,512,500 | 2,803 |
| Average total loans | $213,844,500 | 2,148 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6623% | 450 |
| Cost of funding earning assets | 0.7256% | 288 |
| Net interest margin | 3.9366% | 805 |
| Noninterest income to average assets | 1.4285% | 551 |
| Noninterest expense to average assets | 3.5713% | 442 |
| Loan and lease loss provision to assets | 0.1249% | 981 |
| Net operating income to assets | 1.3625% | 1,403 |
| Return on assets (ROA) | 1.3625% | 1,450 |
| Pretax return on assets | 1.3625% | 2,166 |
| Return on Equity (ROE) | 13.6208% | 1,280 |
| Retained earnings to average equity (ytd only) | 3.7873% | 3,297 |
| Net charge-offs to loans | -0.1526% | 4,666 |
| Credit loss provision to net charge-offs | -101.0135% | 3,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5970% | 1,667 |
| Assets per employee ($millions) | 4.3941% | 4,192 |
| Cash dividends to net income (ytd only)* | 72.1950% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 1,983 |
| Loan loss allowance to noncurrent loans | 1,038.4880% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 3,143 |
| Noncurrent loans to loans | 0.1332% | 3,266 |
| Net loans and leases to total assets | 83.0898% | 145 |
| Net loans and leases to deposits | 94.7503% | 355 |
| Net loans and leases to core deposits | 106.0673% | 364 |
| Total domestic deposits to total assets | 87.6934% | 2,200 |
| Equity capital to assets | 9.4865% | 3,159 |
| Core capital (leverage) ratio | 9.8988% | 2,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5161% | 2,774 |
| Memoranda: | ||
| Average total assets | $239,411,000 | 2,797 |
| Average earning assets | $220,772,000 | 2,809 |
| Average equity | $23,948,600 | 2,917 |
| Average total loans | $194,003,400 | 2,276 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5237% | 648 |
| Cost of funding earning assets | 0.7624% | 292 |
| Net interest margin | 3.7613% | 1,202 |
| Noninterest income to average assets | 1.5178% | 537 |
| Noninterest expense to average assets | 3.5617% | 422 |
| Loan and lease loss provision to assets | 0.0734% | 1,577 |
| Net operating income to assets | 1.3592% | 1,657 |
| Return on assets (ROA) | 1.3592% | 1,715 |
| Pretax return on assets | 1.3592% | 2,468 |
| Return on Equity (ROE) | 13.3962% | 1,579 |
| Retained earnings to average equity (ytd only) | 2.8586% | 3,948 |
| Net charge-offs to loans | -0.0852% | 4,551 |
| Credit loss provision to net charge-offs | -107.5000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3163% | 1,458 |
| Assets per employee ($millions) | 4.3551% | 4,225 |
| Cash dividends to net income (ytd only)* | 78.6611% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 2,556 |
| Loan loss allowance to noncurrent loans | 691.4729% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 3,080 |
| Noncurrent loans to loans | 0.1862% | 3,204 |
| Net loans and leases to total assets | 82.6683% | 159 |
| Net loans and leases to deposits | 94.8094% | 383 |
| Net loans and leases to core deposits | 107.3884% | 385 |
| Total domestic deposits to total assets | 87.1942% | 2,273 |
| Equity capital to assets | 9.7398% | 3,161 |
| Core capital (leverage) ratio | 9.9628% | 2,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7275% | 2,796 |
| Memoranda: | ||
| Average total assets | $234,450,750 | 2,851 |
| Average earning assets | $216,690,500 | 2,862 |
| Average equity | $23,787,250 | 2,958 |
| Average total loans | $187,895,750 | 2,354 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3732% | 887 |
| Cost of funding earning assets | 0.8010% | 291 |
| Net interest margin | 3.5722% | 1,656 |
| Noninterest income to average assets | 1.4940% | 546 |
| Noninterest expense to average assets | 3.5440% | 442 |
| Loan and lease loss provision to assets | 0.0148% | 2,656 |
| Net operating income to assets | 1.2530% | 2,013 |
| Return on assets (ROA) | 1.2530% | 2,079 |
| Pretax return on assets | 1.2530% | 2,755 |
| Return on Equity (ROE) | 12.1740% | 1,988 |
| Retained earnings to average equity (ytd only) | 0.5072% | 4,435 |
| Net charge-offs to loans | -0.0695% | 4,503 |
| Credit loss provision to net charge-offs | -26.9841% | 2,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6528% | 1,273 |
| Assets per employee ($millions) | 3.9946% | 4,448 |
| Cash dividends to net income (ytd only)* | 95.8333% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 2,297 |
| Loan loss allowance to noncurrent loans | 563.3708% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 3,031 |
| Noncurrent loans to loans | 0.2358% | 3,104 |
| Net loans and leases to total assets | 77.6780% | 467 |
| Net loans and leases to deposits | 89.4574% | 678 |
| Net loans and leases to core deposits | 104.4290% | 523 |
| Total domestic deposits to total assets | 86.8323% | 2,411 |
| Equity capital to assets | 9.8878% | 2,961 |
| Core capital (leverage) ratio | 10.0531% | 2,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8574% | 2,418 |
| Memoranda: | ||
| Average total assets | $229,854,667 | 2,879 |
| Average earning assets | $213,480,333 | 2,878 |
| Average equity | $23,657,000 | 2,963 |
| Average total loans | $181,230,667 | 2,430 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3354% | 988 |
| Cost of funding earning assets | 0.8502% | 281 |
| Net interest margin | 3.4852% | 1,863 |
| Noninterest income to average assets | 1.6129% | 537 |
| Noninterest expense to average assets | 3.5991% | 412 |
| Loan and lease loss provision to assets | 0.0302% | 2,386 |
| Net operating income to assets | 1.2128% | 2,097 |
| Return on assets (ROA) | 1.2128% | 2,184 |
| Pretax return on assets | 1.2128% | 2,814 |
| Return on Equity (ROE) | 11.5417% | 2,175 |
| Retained earnings to average equity (ytd only) | -0.3046% | 4,391 |
| Net charge-offs to loans | -0.1600% | 4,750 |
| Credit loss provision to net charge-offs | -23.9437% | 2,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3298% | 1,281 |
| Assets per employee ($millions) | 4.0854% | 4,425 |
| Cash dividends to net income (ytd only)* | 102.6393% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4639% | 1,726 |
| Loan loss allowance to noncurrent loans | 496.0552% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2177% | 3,058 |
| Noncurrent loans to loans | 0.2951% | 3,044 |
| Net loans and leases to total assets | 72.6948% | 934 |
| Net loans and leases to deposits | 84.0498% | 1,136 |
| Net loans and leases to core deposits | 99.2484% | 744 |
| Total domestic deposits to total assets | 86.4902% | 2,527 |
| Equity capital to assets | 10.1474% | 2,553 |
| Core capital (leverage) ratio | 10.6680% | 1,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2923% | 1,816 |
| Memoranda: | ||
| Average total assets | $224,943,000 | 2,897 |
| Average earning assets | $208,425,500 | 2,904 |
| Average equity | $23,636,000 | 2,953 |
| Average total loans | $177,504,000 | 2,453 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9757% | 512 |
| Cost of funding earning assets | 1.1054% | 393 |
| Net interest margin | 3.8703% | 1,305 |
| Noninterest income to average assets | 1.4427% | 573 |
| Noninterest expense to average assets | 3.5894% | 611 |
| Loan and lease loss provision to assets | 0.1069% | 3,003 |
| Net operating income to assets | 1.3126% | 1,212 |
| Return on assets (ROA) | 1.3126% | 1,316 |
| Pretax return on assets | 1.3126% | 1,932 |
| Return on Equity (ROE) | 11.7697% | 1,389 |
| Retained earnings to average equity (ytd only) | 0.3519% | 4,410 |
| Net charge-offs to loans | -0.0190% | 4,411 |
| Credit loss provision to net charge-offs | -684.8485% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6605% | 1,730 |
| Assets per employee ($millions) | 3.8073% | 4,502 |
| Cash dividends to net income (ytd only)* | 97.0101% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3247% | 2,287 |
| Loan loss allowance to noncurrent loans | 412.7551% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2709% | 2,945 |
| Noncurrent loans to loans | 0.3209% | 3,055 |
| Net loans and leases to total assets | 83.3032% | 209 |
| Net loans and leases to deposits | 100.4166% | 362 |
| Net loans and leases to core deposits | 119.6193% | 312 |
| Total domestic deposits to total assets | 82.9576% | 3,423 |
| Equity capital to assets | 10.8940% | 2,345 |
| Core capital (leverage) ratio | 10.8452% | 1,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5270% | 2,043 |
| Memoranda: | ||
| Average total assets | $211,483,000 | 2,849 |
| Average earning assets | $194,866,800 | 2,871 |
| Average equity | $23,586,000 | 2,900 |
| Average total loans | $174,109,200 | 2,453 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1456% | 457 |
| Cost of funding earning assets | 1.1556% | 430 |
| Net interest margin | 3.9899% | 1,137 |
| Noninterest income to average assets | 1.3009% | 642 |
| Noninterest expense to average assets | 3.5176% | 690 |
| Loan and lease loss provision to assets | 0.1442% | 2,576 |
| Net operating income to assets | 1.3136% | 1,325 |
| Return on assets (ROA) | 1.3136% | 1,413 |
| Pretax return on assets | 1.3136% | 1,992 |
| Return on Equity (ROE) | 11.7085% | 1,451 |
| Retained earnings to average equity (ytd only) | 2.0363% | 3,922 |
| Net charge-offs to loans | -0.0326% | 4,556 |
| Credit loss provision to net charge-offs | -540.4762% | 3,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7015% | 1,790 |
| Assets per employee ($millions) | 3.9019% | 4,404 |
| Cash dividends to net income (ytd only)* | 82.6087% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 1,961 |
| Loan loss allowance to noncurrent loans | 368.6838% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2972% | 2,964 |
| Noncurrent loans to loans | 0.3657% | 2,975 |
| Net loans and leases to total assets | 80.1671% | 599 |
| Net loans and leases to deposits | 99.0831% | 572 |
| Net loans and leases to core deposits | 120.3952% | 404 |
| Total domestic deposits to total assets | 80.9090% | 3,681 |
| Equity capital to assets | 10.7546% | 2,582 |
| Core capital (leverage) ratio | 10.7552% | 2,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6735% | 1,600 |
| Memoranda: | ||
| Average total assets | $210,099,250 | 2,847 |
| Average earning assets | $193,482,500 | 2,867 |
| Average equity | $23,572,000 | 2,897 |
| Average total loans | $171,834,000 | 2,471 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2131% | 555 |
| Cost of funding earning assets | 1.2412% | 445 |
| Net interest margin | 3.9720% | 1,397 |
| Noninterest income to average assets | 0.9990% | 986 |
| Noninterest expense to average assets | 3.4797% | 766 |
| Loan and lease loss provision to assets | 0.1107% | 2,907 |
| Net operating income to assets | 1.0563% | 2,120 |
| Return on assets (ROA) | 1.0563% | 2,252 |
| Pretax return on assets | 1.0563% | 2,852 |
| Return on Equity (ROE) | 9.2768% | 2,258 |
| Retained earnings to average equity (ytd only) | 0.0256% | 4,301 |
| Net charge-offs to loans | -0.0379% | 4,610 |
| Credit loss provision to net charge-offs | -356.2500% | 3,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8851% | 1,381 |
| Assets per employee ($millions) | 4.1034% | 4,201 |
| Cash dividends to net income (ytd only)* | 99.7243% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 2,074 |
| Loan loss allowance to noncurrent loans | 218.0961% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 2,404 |
| Noncurrent loans to loans | 0.5894% | 2,390 |
| Net loans and leases to total assets | 80.1902% | 576 |
| Net loans and leases to deposits | 99.2870% | 595 |
| Net loans and leases to core deposits | 120.7868% | 404 |
| Total domestic deposits to total assets | 80.7660% | 3,668 |
| Equity capital to assets | 10.6335% | 2,636 |
| Core capital (leverage) ratio | 10.6738% | 2,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7404% | 1,912 |
| Memoranda: | ||
| Average total assets | $205,996,333 | 2,854 |
| Average earning assets | $189,176,333 | 2,877 |
| Average equity | $23,456,333 | 2,896 |
| Average total loans | $168,867,000 | 2,477 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0820% | 828 |
| Cost of funding earning assets | 1.3295% | 518 |
| Net interest margin | 3.7525% | 2,132 |
| Noninterest income to average assets | 0.7972% | 1,324 |
| Noninterest expense to average assets | 3.3017% | 1,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9304% | 2,415 |
| Return on assets (ROA) | 0.9304% | 2,525 |
| Pretax return on assets | 0.9304% | 3,052 |
| Return on Equity (ROE) | 7.8792% | 2,567 |
| Retained earnings to average equity (ytd only) | -2.8030% | 4,330 |
| Net charge-offs to loans | -0.0759% | 4,756 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0162% | 1,333 |
| Assets per employee ($millions) | 3.4072% | 4,558 |
| Cash dividends to net income (ytd only)* | 135.5748% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 1,904 |
| Loan loss allowance to noncurrent loans | 190.7199% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 2,218 |
| Noncurrent loans to loans | 0.7085% | 2,230 |
| Net loans and leases to total assets | 82.6672% | 384 |
| Net loans and leases to deposits | 98.8907% | 631 |
| Net loans and leases to core deposits | 119.9122% | 467 |
| Total domestic deposits to total assets | 83.5946% | 2,920 |
| Equity capital to assets | 12.0380% | 2,038 |
| Core capital (leverage) ratio | 12.0123% | 1,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8897% | 1,631 |
| Memoranda: | ||
| Average total assets | $198,203,500 | 2,890 |
| Average earning assets | $181,424,000 | 2,909 |
| Average equity | $23,403,500 | 2,891 |
| Average total loans | $163,300,000 | 2,510 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1869% | 1,023 |
| Cost of funding earning assets | 1.4629% | 439 |
| Net interest margin | 3.7240% | 2,743 |
| Noninterest income to average assets | 0.7974% | 1,461 |
| Noninterest expense to average assets | 3.1466% | 1,653 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0590% | 2,620 |
| Return on assets (ROA) | 1.0590% | 2,713 |
| Pretax return on assets | 1.0590% | 3,301 |
| Return on Equity (ROE) | 8.9992% | 2,758 |
| Retained earnings to average equity (ytd only) | 0.9650% | 4,391 |
| Net charge-offs to loans | 0.0188% | 3,054 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 69.6333% | 887 |
| Efficiency ratio | 74.8192% | 1,512 |
| Assets per employee ($millions) | 3.8150% | 4,140 |
| Cash dividends to net income (ytd only)* | 89.2772% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 1,821 |
| Loan loss allowance to noncurrent loans | 178.4362% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.6009% | 2,094 |
| Noncurrent loans to loans | 0.7415% | 2,029 |
| Net loans and leases to total assets | 79.9641% | 799 |
| Net loans and leases to deposits | 100.9125% | 532 |
| Net loans and leases to core deposits | 123.8434% | 386 |
| Total domestic deposits to total assets | 79.2410% | 4,137 |
| Equity capital to assets | 11.5867% | 2,449 |
| Core capital (leverage) ratio | 11.9123% | 1,832 |
| Tier 1 risk-based capital ratio | 14.6035% | 2,961 |
| Total risk-based capital ratio | 15.8551% | 2,864 |
| Memoranda: | ||
| Average total assets | $197,258,000 | 2,862 |
| Average earning assets | $180,531,400 | 2,881 |
| Average equity | $23,213,200 | 2,852 |
| Average total loans | $159,946,800 | 2,508 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1433% | 1,169 |
| Cost of funding earning assets | 1.4902% | 421 |
| Net interest margin | 3.6531% | 3,082 |
| Noninterest income to average assets | 0.8298% | 1,330 |
| Noninterest expense to average assets | 3.1751% | 1,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9944% | 3,002 |
| Return on assets (ROA) | 0.9944% | 3,073 |
| Pretax return on assets | 0.9944% | 3,611 |
| Return on Equity (ROE) | 8.4168% | 3,149 |
| Retained earnings to average equity (ytd only) | 1.1169% | 4,539 |
| Net charge-offs to loans | -0.0101% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1501% | 1,312 |
| Assets per employee ($millions) | 4.1936% | 3,623 |
| Cash dividends to net income (ytd only)* | 86.7305% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 1,877 |
| Loan loss allowance to noncurrent loans | 187.2881% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 2,246 |
| Noncurrent loans to loans | 0.7058% | 2,192 |
| Net loans and leases to total assets | 81.9550% | 573 |
| Net loans and leases to deposits | 108.1105% | 265 |
| Net loans and leases to core deposits | 132.1615% | 269 |
| Total domestic deposits to total assets | 75.8067% | 4,668 |
| Equity capital to assets | 11.6101% | 2,591 |
| Core capital (leverage) ratio | 12.3848% | 1,633 |
| Tier 1 risk-based capital ratio | 14.0400% | 3,308 |
| Total risk-based capital ratio | 15.2917% | 3,215 |
| Memoranda: | ||
| Average total assets | $196,023,250 | 2,896 |
| Average earning assets | $179,205,500 | 2,915 |
| Average equity | $23,159,500 | 2,878 |
| Average total loans | $158,970,250 | 2,547 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1733% | 1,035 |
| Cost of funding earning assets | 1.5517% | 320 |
| Net interest margin | 3.6217% | 3,186 |
| Noninterest income to average assets | 0.7073% | 1,686 |
| Noninterest expense to average assets | 3.1266% | 1,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8895% | 3,325 |
| Return on assets (ROA) | 0.8895% | 3,389 |
| Pretax return on assets | 0.8895% | 3,874 |
| Return on Equity (ROE) | 7.4840% | 3,505 |
| Retained earnings to average equity (ytd only) | 0.5544% | 4,552 |
| Net charge-offs to loans | -0.0128% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8518% | 1,172 |
| Assets per employee ($millions) | 3.5991% | 4,380 |
| Cash dividends to net income (ytd only)* | 92.5926% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4514% | 1,411 |
| Loan loss allowance to noncurrent loans | 184.9246% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.6210% | 2,167 |
| Noncurrent loans to loans | 0.7848% | 2,024 |
| Net loans and leases to total assets | 77.1404% | 1,368 |
| Net loans and leases to deposits | 91.7831% | 1,517 |
| Net loans and leases to core deposits | 111.6312% | 880 |
| Total domestic deposits to total assets | 84.0465% | 2,841 |
| Equity capital to assets | 11.9350% | 2,240 |
| Core capital (leverage) ratio | 11.9519% | 1,855 |
| Tier 1 risk-based capital ratio | 15.6057% | 2,584 |
| Total risk-based capital ratio | 16.8591% | 2,513 |
| Memoranda: | ||
| Average total assets | $194,267,330 | 2,920 |
| Average earning assets | $177,487,000 | 2,943 |
| Average equity | $23,089,330 | 2,877 |
| Average total loans | $156,234,330 | 2,591 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1130% | 1,076 |
| Cost of funding earning assets | 1.5185% | 303 |
| Net interest margin | 3.5946% | 3,267 |
| Noninterest income to average assets | 0.5437% | 2,321 |
| Noninterest expense to average assets | 3.0336% | 1,896 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8155% | 3,566 |
| Return on assets (ROA) | 0.8155% | 3,605 |
| Pretax return on assets | 0.8155% | 4,004 |
| Return on Equity (ROE) | 6.8762% | 3,722 |
| Retained earnings to average equity (ytd only) | -0.1563% | 4,554 |
| Net charge-offs to loans | -0.0480% | 4,817 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8122% | 1,179 |
| Assets per employee ($millions) | 3.5889% | 4,477 |
| Cash dividends to net income (ytd only)* | 102.2727% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 1,590 |
| Loan loss allowance to noncurrent loans | 199.9098% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5815% | 2,329 |
| Noncurrent loans to loans | 0.7120% | 2,246 |
| Net loans and leases to total assets | 79.2291% | 958 |
| Net loans and leases to deposits | 94.2220% | 1,148 |
| Net loans and leases to core deposits | 113.8288% | 749 |
| Total domestic deposits to total assets | 84.0877% | 3,024 |
| Equity capital to assets | 11.9071% | 2,080 |
| Core capital (leverage) ratio | 12.0635% | 1,734 |
| Tier 1 risk-based capital ratio | 15.5572% | 2,627 |
| Total risk-based capital ratio | 16.8110% | 2,544 |
| Memoranda: | ||
| Average total assets | $194,225,000 | 2,956 |
| Average earning assets | $178,602,500 | 2,965 |
| Average equity | $23,036,000 | 2,880 |
| Average total loans | $158,285,500 | 2,581 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9237% | 1,221 |
| Cost of funding earning assets | 1.2378% | 294 |
| Net interest margin | 3.6859% | 3,093 |
| Noninterest income to average assets | 0.5828% | 2,386 |
| Noninterest expense to average assets | 3.1752% | 1,616 |
| Loan and lease loss provision to assets | -0.0527% | 5,200 |
| Net operating income to assets | 0.8620% | 3,570 |
| Return on assets (ROA) | 0.8620% | 3,565 |
| Pretax return on assets | 0.8620% | 4,000 |
| Return on Equity (ROE) | 7.1266% | 3,782 |
| Retained earnings to average equity (ytd only) | 0.0479% | 4,975 |
| Net charge-offs to loans | 0.0026% | 3,645 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,863 |
| Earnings coverage of net charge-offs (x) | 384.0000% | 265 |
| Efficiency ratio | 79.6879% | 986 |
| Assets per employee ($millions) | 3.7433% | 4,263 |
| Cash dividends to net income (ytd only)* | 99.3276% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3668% | 1,760 |
| Loan loss allowance to noncurrent loans | 194.1696% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.5908% | 2,260 |
| Noncurrent loans to loans | 0.7039% | 2,229 |
| Net loans and leases to total assets | 81.4847% | 735 |
| Net loans and leases to deposits | 101.4701% | 629 |
| Net loans and leases to core deposits | 124.5113% | 428 |
| Total domestic deposits to total assets | 80.3041% | 4,040 |
| Equity capital to assets | 11.8140% | 2,020 |
| Core capital (leverage) ratio | 12.1129% | 1,660 |
| Tier 1 risk-based capital ratio | 14.9019% | 2,877 |
| Total risk-based capital ratio | 16.1549% | 2,809 |
| Memoranda: | ||
| Average total assets | $189,782,600 | 2,965 |
| Average earning assets | $175,153,800 | 2,977 |
| Average equity | $22,956,400 | 2,824 |
| Average total loans | $156,454,600 | 2,560 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8749% | 1,222 |
| Cost of funding earning assets | 1.1692% | 297 |
| Net interest margin | 3.7057% | 3,002 |
| Noninterest income to average assets | 0.5954% | 2,333 |
| Noninterest expense to average assets | 3.1521% | 1,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8697% | 3,662 |
| Return on assets (ROA) | 0.8697% | 3,669 |
| Pretax return on assets | 0.8697% | 4,121 |
| Return on Equity (ROE) | 7.1469% | 3,880 |
| Retained earnings to average equity (ytd only) | 0.7554% | 4,908 |
| Net charge-offs to loans | 0.0026% | 3,390 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 409.9900% | 231 |
| Efficiency ratio | 78.3755% | 1,084 |
| Assets per employee ($millions) | 3.5361% | 4,515 |
| Cash dividends to net income (ytd only)* | 89.4308% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 1,566 |
| Loan loss allowance to noncurrent loans | 305.3121% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 3,068 |
| Noncurrent loans to loans | 0.4706% | 2,976 |
| Net loans and leases to total assets | 82.5838% | 620 |
| Net loans and leases to deposits | 100.3660% | 750 |
| Net loans and leases to core deposits | 124.0944% | 459 |
| Total domestic deposits to total assets | 82.2827% | 3,530 |
| Equity capital to assets | 12.0608% | 1,870 |
| Core capital (leverage) ratio | 11.8690% | 1,861 |
| Tier 1 risk-based capital ratio | 15.0393% | 2,867 |
| Total risk-based capital ratio | 16.2922% | 2,788 |
| Memoranda: | ||
| Average total assets | $188,565,750 | 2,999 |
| Average earning assets | $174,359,000 | 3,004 |
| Average equity | $22,946,500 | 2,831 |
| Average total loans | $155,366,250 | 2,588 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7244% | 1,440 |
| Cost of funding earning assets | 1.0794% | 318 |
| Net interest margin | 3.6449% | 3,135 |
| Noninterest income to average assets | 0.6029% | 2,306 |
| Noninterest expense to average assets | 3.2252% | 1,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7477% | 4,041 |
| Return on assets (ROA) | 0.7477% | 4,043 |
| Pretax return on assets | 0.7477% | 4,397 |
| Return on Equity (ROE) | 6.1260% | 4,184 |
| Retained earnings to average equity (ytd only) | 0.4101% | 4,888 |
| Net charge-offs to loans | 0.0572% | 1,789 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 15.9545% | 2,012 |
| Efficiency ratio | 81.1796% | 901 |
| Assets per employee ($millions) | 3.4883% | 4,612 |
| Cash dividends to net income (ytd only)* | 93.3048% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 1,661 |
| Loan loss allowance to noncurrent loans | 301.2000% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.4263% | 3,016 |
| Noncurrent loans to loans | 0.4735% | 3,013 |
| Net loans and leases to total assets | 82.8935% | 593 |
| Net loans and leases to deposits | 106.5480% | 413 |
| Net loans and leases to core deposits | 130.0485% | 336 |
| Total domestic deposits to total assets | 77.7992% | 4,623 |
| Equity capital to assets | 12.1922% | 1,724 |
| Core capital (leverage) ratio | 12.5797% | 1,392 |
| Tier 1 risk-based capital ratio | 14.9864% | 2,882 |
| Total risk-based capital ratio | 16.2393% | 2,800 |
| Memoranda: | ||
| Average total assets | $187,771,330 | 3,022 |
| Average earning assets | $173,611,000 | 3,024 |
| Average equity | $22,918,670 | 2,850 |
| Average total loans | $153,824,330 | 2,624 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5893% | 1,605 |
| Cost of funding earning assets | 1.0314% | 323 |
| Net interest margin | 3.5579% | 3,318 |
| Noninterest income to average assets | 0.5313% | 2,624 |
| Noninterest expense to average assets | 3.2751% | 1,395 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5462% | 4,588 |
| Return on assets (ROA) | 0.5462% | 4,591 |
| Pretax return on assets | 0.5462% | 4,796 |
| Return on Equity (ROE) | 4.4726% | 4,644 |
| Retained earnings to average equity (ytd only) | -2.5158% | 5,051 |
| Net charge-offs to loans | 0.1901% | 774 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 3.5556% | 2,374 |
| Efficiency ratio | 85.7063% | 668 |
| Assets per employee ($millions) | 3.5139% | 4,652 |
| Cash dividends to net income (ytd only)* | 156.2500% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 1,545 |
| Loan loss allowance to noncurrent loans | 250.5618% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.5128% | 2,812 |
| Noncurrent loans to loans | 0.5897% | 2,769 |
| Net loans and leases to total assets | 78.3571% | 1,183 |
| Net loans and leases to deposits | 101.0157% | 637 |
| Net loans and leases to core deposits | 123.6116% | 484 |
| Total domestic deposits to total assets | 77.5693% | 4,794 |
| Equity capital to assets | 12.0051% | 1,784 |
| Core capital (leverage) ratio | 12.4167% | 1,427 |
| Tier 1 risk-based capital ratio | 15.3253% | 2,726 |
| Total risk-based capital ratio | 16.5784% | 2,668 |
| Memoranda: | ||
| Average total assets | $187,473,500 | 3,059 |
| Average earning assets | $173,358,500 | 3,058 |
| Average equity | $22,895,000 | 2,875 |
| Average total loans | $151,535,000 | 2,668 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7550% | 1,068 |
| Cost of funding earning assets | 0.7951% | 636 |
| Net interest margin | 3.9599% | 1,882 |
| Noninterest income to average assets | 0.7995% | 1,568 |
| Noninterest expense to average assets | 3.3687% | 1,256 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1140% | 1,815 |
| Return on assets (ROA) | 1.1140% | 1,839 |
| Pretax return on assets | 1.1140% | 3,128 |
| Return on Equity (ROE) | 8.7842% | 2,409 |
| Retained earnings to average equity (ytd only) | 1.4239% | 4,435 |
| Net charge-offs to loans | -0.0453% | 5,161 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1487% | 1,748 |
| Assets per employee ($millions) | 3.7039% | 4,426 |
| Cash dividends to net income (ytd only)* | 83.7905% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5129% | 1,364 |
| Loan loss allowance to noncurrent loans | 237.8099% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5324% | 2,779 |
| Noncurrent loans to loans | 0.6362% | 2,628 |
| Net loans and leases to total assets | 80.9168% | 847 |
| Net loans and leases to deposits | 105.9766% | 399 |
| Net loans and leases to core deposits | 129.1046% | 362 |
| Total domestic deposits to total assets | 76.3534% | 4,938 |
| Equity capital to assets | 12.4248% | 1,560 |
| Core capital (leverage) ratio | 12.5417% | 1,332 |
| Tier 1 risk-based capital ratio | 15.4686% | 2,637 |
| Total risk-based capital ratio | 16.7222% | 2,571 |
| Memoranda: | ||
| Average total assets | $179,978,000 | 3,114 |
| Average earning assets | $167,402,000 | 3,109 |
| Average equity | $22,825,200 | 2,876 |
| Average total loans | $147,761,600 | 2,677 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7216% | 1,093 |
| Cost of funding earning assets | 0.7376% | 812 |
| Net interest margin | 3.9840% | 1,765 |
| Noninterest income to average assets | 0.8649% | 1,389 |
| Noninterest expense to average assets | 3.4341% | 1,094 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1350% | 1,933 |
| Return on assets (ROA) | 1.1350% | 1,993 |
| Pretax return on assets | 1.1350% | 3,167 |
| Return on Equity (ROE) | 8.9027% | 2,662 |
| Retained earnings to average equity (ytd only) | 1.4106% | 4,850 |
| Net charge-offs to loans | -0.1100% | 5,402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1592% | 1,714 |
| Assets per employee ($millions) | 3.1302% | 5,149 |
| Cash dividends to net income (ytd only)* | 84.1549% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 1,409 |
| Loan loss allowance to noncurrent loans | 205.4054% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.6389% | 2,588 |
| Noncurrent loans to loans | 0.7468% | 2,495 |
| Net loans and leases to total assets | 81.8870% | 710 |
| Net loans and leases to deposits | 112.2643% | 211 |
| Net loans and leases to core deposits | 132.7362% | 300 |
| Total domestic deposits to total assets | 72.9413% | 5,315 |
| Equity capital to assets | 12.4496% | 1,681 |
| Core capital (leverage) ratio | 12.9003% | 1,253 |
| Tier 1 risk-based capital ratio | 14.8207% | 3,006 |
| Total risk-based capital ratio | 16.0745% | 2,934 |
| Memoranda: | ||
| Average total assets | $178,674,000 | 3,156 |
| Average earning assets | $166,126,750 | 3,149 |
| Average equity | $22,779,000 | 2,902 |
| Average total loans | $146,663,250 | 2,706 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6677% | 1,124 |
| Cost of funding earning assets | 0.7117% | 840 |
| Net interest margin | 3.9559% | 1,752 |
| Noninterest income to average assets | 0.8887% | 1,312 |
| Noninterest expense to average assets | 3.4618% | 1,062 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1015% | 1,969 |
| Return on assets (ROA) | 1.1015% | 2,017 |
| Pretax return on assets | 1.1015% | 3,174 |
| Return on Equity (ROE) | 8.5697% | 2,742 |
| Retained earnings to average equity (ytd only) | 1.7086% | 4,574 |
| Net charge-offs to loans | -0.0817% | 5,349 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8621% | 1,743 |
| Assets per employee ($millions) | 3.1356% | 5,163 |
| Cash dividends to net income (ytd only)* | 80.0617% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 1,378 |
| Loan loss allowance to noncurrent loans | 182.0635% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.7408% | 2,343 |
| Noncurrent loans to loans | 0.8543% | 2,274 |
| Net loans and leases to total assets | 81.2326% | 782 |
| Net loans and leases to deposits | 105.5215% | 413 |
| Net loans and leases to core deposits | 127.6324% | 352 |
| Total domestic deposits to total assets | 76.9820% | 4,958 |
| Equity capital to assets | 12.8417% | 1,450 |
| Core capital (leverage) ratio | 13.1502% | 1,118 |
| Tier 1 risk-based capital ratio | 15.4804% | 2,714 |
| Total risk-based capital ratio | 16.7342% | 2,647 |
| Memoranda: | ||
| Average total assets | $176,672,000 | 3,197 |
| Average earning assets | $164,107,670 | 3,189 |
| Average equity | $22,708,000 | 2,911 |
| Average total loans | $144,356,000 | 2,740 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 1,281 |
| Cost of funding earning assets | 0.6929% | 869 |
| Net interest margin | 3.8451% | 1,969 |
| Noninterest income to average assets | 0.7333% | 1,812 |
| Noninterest expense to average assets | 3.5709% | 938 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7265% | 3,581 |
| Return on assets (ROA) | 0.7265% | 3,630 |
| Pretax return on assets | 0.7265% | 4,358 |
| Return on Equity (ROE) | 5.6495% | 4,062 |
| Retained earnings to average equity (ytd only) | -2.5148% | 5,222 |
| Net charge-offs to loans | -0.0140% | 4,560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0949% | 1,053 |
| Assets per employee ($millions) | 3.1502% | 5,222 |
| Cash dividends to net income (ytd only)* | 144.5141% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 1,460 |
| Loan loss allowance to noncurrent loans | 140.8805% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.9988% | 1,822 |
| Noncurrent loans to loans | 1.1132% | 1,837 |
| Net loans and leases to total assets | 79.6949% | 876 |
| Net loans and leases to deposits | 97.7738% | 783 |
| Net loans and leases to core deposits | 119.7991% | 467 |
| Total domestic deposits to total assets | 81.5094% | 4,295 |
| Equity capital to assets | 12.7845% | 1,359 |
| Core capital (leverage) ratio | 13.0908% | 1,106 |
| Tier 1 risk-based capital ratio | 16.0713% | 2,518 |
| Total risk-based capital ratio | 17.3255% | 2,470 |
| Memoranda: | ||
| Average total assets | $175,643,000 | 3,240 |
| Average earning assets | $162,803,500 | 3,234 |
| Average equity | $22,586,000 | 2,936 |
| Average total loans | $142,793,500 | 2,773 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8034% | 881 |
| Cost of funding earning assets | 0.6224% | 1,190 |
| Net interest margin | 4.1810% | 1,163 |
| Noninterest income to average assets | 0.9506% | 1,259 |
| Noninterest expense to average assets | 3.7780% | 793 |
| Loan and lease loss provision to assets | -0.0098% | 5,491 |
| Net operating income to assets | 1.0491% | 2,146 |
| Return on assets (ROA) | 1.0491% | 2,246 |
| Pretax return on assets | 1.0491% | 3,300 |
| Return on Equity (ROE) | 7.5322% | 3,203 |
| Retained earnings to average equity (ytd only) | -1.2034% | 5,470 |
| Net charge-offs to loans | -0.0542% | 5,417 |
| Credit loss provision to net charge-offs | 21.9178% | 3,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4254% | 1,640 |
| Assets per employee ($millions) | 2.8668% | 5,442 |
| Cash dividends to net income (ytd only)* | 115.9767% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5656% | 1,451 |
| Loan loss allowance to noncurrent loans | 148.0132% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.9618% | 1,969 |
| Noncurrent loans to loans | 1.0577% | 1,961 |
| Net loans and leases to total assets | 80.3553% | 840 |
| Net loans and leases to deposits | 101.0717% | 595 |
| Net loans and leases to core deposits | 123.6791% | 391 |
| Total domestic deposits to total assets | 79.5033% | 4,678 |
| Equity capital to assets | 12.9342% | 1,284 |
| Core capital (leverage) ratio | 13.0390% | 1,118 |
| Tier 1 risk-based capital ratio | 15.9167% | 2,584 |
| Total risk-based capital ratio | 17.1709% | 2,516 |
| Memoranda: | ||
| Average total assets | $163,472,400 | 3,359 |
| Average earning assets | $151,183,400 | 3,355 |
| Average equity | $22,769,000 | 2,913 |
| Average total loans | $134,696,400 | 2,854 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7943% | 912 |
| Cost of funding earning assets | 0.6227% | 1,188 |
| Net interest margin | 4.1715% | 1,196 |
| Noninterest income to average assets | 0.9554% | 1,245 |
| Noninterest expense to average assets | 3.7869% | 754 |
| Loan and lease loss provision to assets | -0.0133% | 5,653 |
| Net operating income to assets | 1.0409% | 2,242 |
| Return on assets (ROA) | 1.0409% | 2,363 |
| Pretax return on assets | 1.0409% | 3,467 |
| Return on Equity (ROE) | 7.3311% | 3,385 |
| Retained earnings to average equity (ytd only) | -1.6194% | 5,567 |
| Net charge-offs to loans | -0.0683% | 5,460 |
| Credit loss provision to net charge-offs | 23.5294% | 3,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6552% | 1,598 |
| Assets per employee ($millions) | 2.8435% | 5,512 |
| Cash dividends to net income (ytd only)* | 122.0890% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6036% | 1,454 |
| Loan loss allowance to noncurrent loans | 134.1757% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 1.1915% | 1,674 |
| Noncurrent loans to loans | 1.1952% | 1,878 |
| Net loans and leases to total assets | 81.5591% | 680 |
| Net loans and leases to deposits | 105.3698% | 396 |
| Net loans and leases to core deposits | 127.9862% | 330 |
| Total domestic deposits to total assets | 77.4027% | 5,012 |
| Equity capital to assets | 13.6242% | 1,188 |
| Core capital (leverage) ratio | 13.5111% | 993 |
| Tier 1 risk-based capital ratio | 16.7953% | 2,299 |
| Total risk-based capital ratio | 18.0501% | 2,252 |
| Memoranda: | ||
| Average total assets | $160,621,250 | 3,407 |
| Average earning assets | $148,590,750 | 3,402 |
| Average equity | $22,806,500 | 2,934 |
| Average total loans | $132,681,000 | 2,893 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7402% | 970 |
| Cost of funding earning assets | 0.6040% | 1,288 |
| Net interest margin | 4.1362% | 1,276 |
| Noninterest income to average assets | 0.9378% | 1,268 |
| Noninterest expense to average assets | 3.7576% | 816 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0061% | 2,363 |
| Return on assets (ROA) | 1.0061% | 2,499 |
| Pretax return on assets | 1.0061% | 3,558 |
| Return on Equity (ROE) | 6.9856% | 3,551 |
| Retained earnings to average equity (ytd only) | -2.3870% | 5,572 |
| Net charge-offs to loans | 0.0735% | 2,132 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 16.5833% | 1,926 |
| Efficiency ratio | 78.8803% | 1,657 |
| Assets per employee ($millions) | 3.0190% | 5,406 |
| Cash dividends to net income (ytd only)* | 134.1709% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 1,707 |
| Loan loss allowance to noncurrent loans | 140.7799% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 1.1864% | 1,757 |
| Noncurrent loans to loans | 1.0956% | 2,093 |
| Net loans and leases to total assets | 81.8849% | 643 |
| Net loans and leases to deposits | 110.9067% | 231 |
| Net loans and leases to core deposits | 134.0759% | 251 |
| Total domestic deposits to total assets | 73.8322% | 5,529 |
| Equity capital to assets | 13.7343% | 1,127 |
| Core capital (leverage) ratio | 14.8933% | 630 |
| Tier 1 risk-based capital ratio | 17.1504% | 2,167 |
| Total risk-based capital ratio | 18.4049% | 2,126 |
| Memoranda: | ||
| Average total assets | $158,239,000 | 3,450 |
| Average earning assets | $146,366,670 | 3,451 |
| Average equity | $22,789,670 | 2,941 |
| Average total loans | $130,554,670 | 2,925 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7289% | 992 |
| Cost of funding earning assets | 0.6139% | 1,247 |
| Net interest margin | 4.1150% | 1,296 |
| Noninterest income to average assets | 0.8371% | 1,487 |
| Noninterest expense to average assets | 3.7813% | 797 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8605% | 2,949 |
| Return on assets (ROA) | 0.8605% | 3,063 |
| Pretax return on assets | 0.8605% | 4,003 |
| Return on Equity (ROE) | 5.8292% | 4,067 |
| Retained earnings to average equity (ytd only) | -7.0933% | 5,723 |
| Net charge-offs to loans | 0.1294% | 1,328 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.0976% | 2,085 |
| Efficiency ratio | 81.4629% | 1,423 |
| Assets per employee ($millions) | 3.1038% | 5,396 |
| Cash dividends to net income (ytd only)* | 221.6867% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6364% | 1,516 |
| Loan loss allowance to noncurrent loans | 112.5329% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.4631% | 1,412 |
| Noncurrent loans to loans | 1.4541% | 1,627 |
| Net loans and leases to total assets | 81.1492% | 666 |
| Net loans and leases to deposits | 105.4292% | 362 |
| Net loans and leases to core deposits | 123.0150% | 386 |
| Total domestic deposits to total assets | 76.9704% | 5,291 |
| Equity capital to assets | 14.2966% | 883 |
| Core capital (leverage) ratio | 14.6017% | 680 |
| Tier 1 risk-based capital ratio | 18.1450% | 1,945 |
| Total risk-based capital ratio | 19.4001% | 1,908 |
| Memoranda: | ||
| Average total assets | $154,336,500 | 3,510 |
| Average earning assets | $142,698,000 | 3,515 |
| Average equity | $22,782,000 | 2,950 |
| Average total loans | $126,784,500 | 2,989 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8140% | 901 |
| Cost of funding earning assets | 0.6143% | 1,287 |
| Net interest margin | 4.1997% | 1,176 |
| Noninterest income to average assets | 0.8007% | 1,789 |
| Noninterest expense to average assets | 4.1791% | 550 |
| Loan and lease loss provision to assets | -0.3445% | 6,087 |
| Net operating income to assets | 0.8572% | 3,079 |
| Return on assets (ROA) | 0.8572% | 3,151 |
| Pretax return on assets | 0.8572% | 3,998 |
| Return on Equity (ROE) | 5.4975% | 4,286 |
| Retained earnings to average equity (ytd only) | 0.4331% | 5,343 |
| Net charge-offs to loans | -0.4279% | 6,071 |
| Credit loss provision to net charge-offs | 98.2318% | 2,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0733% | 752 |
| Assets per employee ($millions) | 2.8919% | 5,622 |
| Cash dividends to net income (ytd only)* | 92.1222% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7711% | 1,189 |
| Loan loss allowance to noncurrent loans | 96.2014% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.6332% | 1,201 |
| Noncurrent loans to loans | 1.8410% | 1,175 |
| Net loans and leases to total assets | 80.3301% | 796 |
| Net loans and leases to deposits | 102.5851% | 510 |
| Net loans and leases to core deposits | 119.4813% | 489 |
| Total domestic deposits to total assets | 78.3059% | 5,102 |
| Equity capital to assets | 15.2503% | 632 |
| Core capital (leverage) ratio | 15.6112% | 518 |
| Tier 1 risk-based capital ratio | 19.8339% | 1,507 |
| Total risk-based capital ratio | 21.0913% | 1,482 |
| Memoranda: | ||
| Average total assets | $145,127,600 | 3,644 |
| Average earning assets | $134,462,400 | 3,620 |
| Average equity | $22,628,400 | 2,912 |
| Average total loans | $118,950,200 | 3,067 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8310% | 882 |
| Cost of funding earning assets | 0.6159% | 1,308 |
| Net interest margin | 4.2151% | 1,134 |
| Noninterest income to average assets | 0.8177% | 1,734 |
| Noninterest expense to average assets | 4.2489% | 516 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4710% | 4,893 |
| Return on assets (ROA) | 0.4710% | 4,993 |
| Pretax return on assets | 0.4710% | 5,291 |
| Return on Equity (ROE) | 3.0033% | 5,389 |
| Retained earnings to average equity (ytd only) | -2.5718% | 5,902 |
| Net charge-offs to loans | -0.2510% | 6,053 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0216% | 698 |
| Assets per employee ($millions) | 2.6576% | 5,863 |
| Cash dividends to net income (ytd only)* | 185.6287% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9933% | 918 |
| Loan loss allowance to noncurrent loans | 140.2346% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 1.2691% | 1,841 |
| Noncurrent loans to loans | 1.4214% | 1,781 |
| Net loans and leases to total assets | 80.4287% | 759 |
| Net loans and leases to deposits | 97.6850% | 842 |
| Net loans and leases to core deposits | 113.6800% | 685 |
| Total domestic deposits to total assets | 82.3347% | 4,060 |
| Equity capital to assets | 15.3885% | 663 |
| Core capital (leverage) ratio | 15.2910% | 590 |
| Tier 1 risk-based capital ratio | 20.3593% | 1,465 |
| Total risk-based capital ratio | 21.6443% | 1,424 |
| Memoranda: | ||
| Average total assets | $143,815,250 | 3,688 |
| Average earning assets | $133,137,750 | 3,676 |
| Average equity | $22,552,250 | 2,938 |
| Average total loans | $117,943,750 | 3,108 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8046% | 886 |
| Cost of funding earning assets | 0.6117% | 1,332 |
| Net interest margin | 4.1928% | 1,120 |
| Noninterest income to average assets | 0.7117% | 2,170 |
| Noninterest expense to average assets | 4.1669% | 568 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4265% | 5,053 |
| Return on assets (ROA) | 0.4265% | 5,158 |
| Pretax return on assets | 0.4265% | 5,409 |
| Return on Equity (ROE) | 2.7025% | 5,503 |
| Retained earnings to average equity (ytd only) | -3.9164% | 5,971 |
| Net charge-offs to loans | -0.3837% | 6,165 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7154% | 703 |
| Assets per employee ($millions) | 2.7250% | 5,889 |
| Cash dividends to net income (ytd only)* | 244.9180% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9670% | 1,036 |
| Loan loss allowance to noncurrent loans | 135.1779% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 1.3361% | 1,879 |
| Noncurrent loans to loans | 1.4551% | 1,824 |
| Net loans and leases to total assets | 81.0838% | 658 |
| Net loans and leases to deposits | 103.5191% | 475 |
| Net loans and leases to core deposits | 119.0485% | 493 |
| Total domestic deposits to total assets | 78.3274% | 5,210 |
| Equity capital to assets | 15.1989% | 668 |
| Core capital (leverage) ratio | 15.7193% | 511 |
| Tier 1 risk-based capital ratio | 20.9275% | 1,382 |
| Total risk-based capital ratio | 22.1892% | 1,346 |
| Memoranda: | ||
| Average total assets | $143,031,000 | 3,732 |
| Average earning assets | $132,416,000 | 3,714 |
| Average equity | $22,572,000 | 2,948 |
| Average total loans | $117,274,330 | 3,133 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7395% | 966 |
| Cost of funding earning assets | 0.6258% | 1,264 |
| Net interest margin | 4.1137% | 1,243 |
| Noninterest income to average assets | 0.5164% | 3,178 |
| Noninterest expense to average assets | 4.0121% | 680 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3093% | 5,383 |
| Return on assets (ROA) | 0.3093% | 5,487 |
| Pretax return on assets | 0.3093% | 5,634 |
| Return on Equity (ROE) | 1.9228% | 5,707 |
| Retained earnings to average equity (ytd only) | -9.3140% | 6,118 |
| Net charge-offs to loans | -0.9908% | 6,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8431% | 662 |
| Assets per employee ($millions) | 2.6873% | 5,975 |
| Cash dividends to net income (ytd only)* | 584.4037% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1366% | 872 |
| Loan loss allowance to noncurrent loans | 128.2132% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 1.4305% | 1,848 |
| Noncurrent loans to loans | 1.6664% | 1,666 |
| Net loans and leases to total assets | 80.4397% | 641 |
| Net loans and leases to deposits | 98.5749% | 643 |
| Net loans and leases to core deposits | 111.8437% | 663 |
| Total domestic deposits to total assets | 81.6026% | 4,637 |
| Equity capital to assets | 16.0566% | 536 |
| Core capital (leverage) ratio | 15.5367% | 529 |
| Tier 1 risk-based capital ratio | 21.7968% | 1,275 |
| Total risk-based capital ratio | 23.0600% | 1,248 |
| Memoranda: | ||
| Average total assets | $140,972,000 | 3,797 |
| Average earning assets | $130,394,000 | 3,769 |
| Average equity | $22,675,500 | 2,961 |
| Average total loans | $115,057,500 | 3,177 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0758% | 666 |
| Cost of funding earning assets | 0.6362% | 1,505 |
| Net interest margin | 4.4396% | 832 |
| Noninterest income to average assets | 1.5137% | 535 |
| Noninterest expense to average assets | 4.2516% | 578 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3574% | 1,171 |
| Return on assets (ROA) | 1.3574% | 1,215 |
| Pretax return on assets | 1.3574% | 2,052 |
| Return on Equity (ROE) | 8.3732% | 2,929 |
| Retained earnings to average equity (ytd only) | 1.9012% | 4,854 |
| Net charge-offs to loans | 0.0167% | 4,536 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 99.2105% | 530 |
| Efficiency ratio | 75.7992% | 2,544 |
| Assets per employee ($millions) | 2.7884% | 5,942 |
| Cash dividends to net income (ytd only)* | 77.2944% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8819% | 1,356 |
| Loan loss allowance to noncurrent loans | 119.7020% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 1.3888% | 2,008 |
| Noncurrent loans to loans | 1.5721% | 1,861 |
| Net loans and leases to total assets | 79.5235% | 806 |
| Net loans and leases to deposits | 97.4065% | 800 |
| Net loans and leases to core deposits | 110.9609% | 733 |
| Total domestic deposits to total assets | 81.6408% | 4,555 |
| Equity capital to assets | 16.1131% | 522 |
| Core capital (leverage) ratio | 16.5891% | 404 |
| Tier 1 risk-based capital ratio | 21.7371% | 1,261 |
| Total risk-based capital ratio | 22.9977% | 1,237 |
| Memoranda: | ||
| Average total assets | $138,865,200 | 3,825 |
| Average earning assets | $128,097,400 | 3,806 |
| Average equity | $22,512,200 | 2,900 |
| Average total loans | $114,033,200 | 3,140 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1163% | 622 |
| Cost of funding earning assets | 0.6436% | 1,499 |
| Net interest margin | 4.4727% | 788 |
| Noninterest income to average assets | 1.3881% | 644 |
| Noninterest expense to average assets | 4.3043% | 553 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2055% | 1,662 |
| Return on assets (ROA) | 1.2055% | 1,728 |
| Pretax return on assets | 1.2055% | 2,755 |
| Return on Equity (ROE) | 7.4245% | 3,483 |
| Retained earnings to average equity (ytd only) | 1.3148% | 5,370 |
| Net charge-offs to loans | 0.0270% | 3,960 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 54.2537% | 930 |
| Efficiency ratio | 78.1206% | 2,165 |
| Assets per employee ($millions) | 2.5837% | 6,166 |
| Cash dividends to net income (ytd only)* | 82.2916% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9228% | 1,406 |
| Loan loss allowance to noncurrent loans | 122.1783% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 2.0586% | 1,378 |
| Noncurrent loans to loans | 1.5738% | 2,069 |
| Net loans and leases to total assets | 80.6435% | 646 |
| Net loans and leases to deposits | 105.6757% | 342 |
| Net loans and leases to core deposits | 117.7518% | 444 |
| Total domestic deposits to total assets | 76.3123% | 5,774 |
| Equity capital to assets | 16.4792% | 494 |
| Core capital (leverage) ratio | 16.5362% | 417 |
| Tier 1 risk-based capital ratio | 22.4732% | 1,192 |
| Total risk-based capital ratio | 23.7346% | 1,173 |
| Memoranda: | ||
| Average total assets | $138,029,750 | 3,864 |
| Average earning assets | $127,199,000 | 3,846 |
| Average equity | $22,411,750 | 2,914 |
| Average total loans | $113,727,250 | 3,172 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1394% | 572 |
| Cost of funding earning assets | 0.6638% | 1,414 |
| Net interest margin | 4.4756% | 739 |
| Noninterest income to average assets | 1.3368% | 672 |
| Noninterest expense to average assets | 4.2791% | 558 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1792% | 1,656 |
| Return on assets (ROA) | 1.1792% | 1,729 |
| Pretax return on assets | 1.1792% | 2,765 |
| Return on Equity (ROE) | 7.2986% | 3,468 |
| Retained earnings to average equity (ytd only) | 0.9213% | 5,384 |
| Net charge-offs to loans | 0.0806% | 2,882 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 17.7391% | 1,716 |
| Efficiency ratio | 78.3956% | 2,246 |
| Assets per employee ($millions) | 2.5578% | 6,249 |
| Cash dividends to net income (ytd only)* | 87.3775% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9258% | 1,521 |
| Loan loss allowance to noncurrent loans | 104.0816% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 2.5155% | 1,128 |
| Noncurrent loans to loans | 1.8503% | 1,858 |
| Net loans and leases to total assets | 80.4672% | 631 |
| Net loans and leases to deposits | 108.0725% | 248 |
| Net loans and leases to core deposits | 120.8930% | 354 |
| Total domestic deposits to total assets | 74.4567% | 6,067 |
| Equity capital to assets | 16.5540% | 473 |
| Core capital (leverage) ratio | 16.6138% | 396 |
| Tier 1 risk-based capital ratio | 21.1206% | 1,425 |
| Total risk-based capital ratio | 22.3829% | 1,395 |
| Memoranda: | ||
| Average total assets | $138,394,330 | 3,877 |
| Average earning assets | $127,447,670 | 3,864 |
| Average equity | $22,360,330 | 2,908 |
| Average total loans | $114,104,670 | 3,173 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0929% | 600 |
| Cost of funding earning assets | 0.6921% | 1,296 |
| Net interest margin | 4.4008% | 808 |
| Noninterest income to average assets | 1.2989% | 665 |
| Noninterest expense to average assets | 3.9167% | 840 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4391% | 917 |
| Return on assets (ROA) | 1.4391% | 953 |
| Pretax return on assets | 1.4391% | 1,609 |
| Return on Equity (ROE) | 9.0143% | 2,456 |
| Retained earnings to average equity (ytd only) | 5.2509% | 2,960 |
| Net charge-offs to loans | 0.0346% | 2,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 50.3000% | 750 |
| Efficiency ratio | 73.1303% | 3,290 |
| Assets per employee ($millions) | 2.7437% | 6,158 |
| Cash dividends to net income (ytd only)* | 41.7495% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8478% | 1,908 |
| Loan loss allowance to noncurrent loans | 91.5896% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 2.9361% | 986 |
| Noncurrent loans to loans | 2.0174% | 1,849 |
| Net loans and leases to total assets | 81.0909% | 451 |
| Net loans and leases to deposits | 108.5483% | 179 |
| Net loans and leases to core deposits | 120.6491% | 314 |
| Total domestic deposits to total assets | 74.7049% | 6,186 |
| Equity capital to assets | 15.7697% | 558 |
| Core capital (leverage) ratio | 15.9155% | 491 |
| Tier 1 risk-based capital ratio | 20.3220% | 1,639 |
| Total risk-based capital ratio | 21.5830% | 1,604 |
| Memoranda: | ||
| Average total assets | $139,810,500 | 3,883 |
| Average earning assets | $128,886,500 | 3,864 |
| Average equity | $22,320,000 | 2,914 |
| Average total loans | $115,544,500 | 3,162 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0752% | 794 |
| Cost of funding earning assets | 0.8327% | 1,031 |
| Net interest margin | 4.2425% | 1,242 |
| Noninterest income to average assets | 1.6532% | 526 |
| Noninterest expense to average assets | 4.3486% | 600 |
| Loan and lease loss provision to assets | -1.2368% | 6,801 |
| Net operating income to assets | 2.4481% | 182 |
| Return on assets (ROA) | 2.4481% | 183 |
| Pretax return on assets | 2.4481% | 214 |
| Return on Equity (ROE) | 16.6474% | 547 |
| Retained earnings to average equity (ytd only) | 9.2932% | 712 |
| Net charge-offs to loans | 0.5183% | 1,274 |
| Credit loss provision to net charge-offs | -301.5075% | 6,055 |
| Earnings coverage of net charge-offs (x) | 2.9531% | 4,005 |
| Efficiency ratio | 78.2130% | 2,438 |
| Assets per employee ($millions) | 2.5361% | 6,373 |
| Cash dividends to net income (ytd only)* | 44.1763% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9326% | 1,702 |
| Loan loss allowance to noncurrent loans | 79.2466% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 3.4633% | 849 |
| Noncurrent loans to loans | 2.4387% | 1,567 |
| Net loans and leases to total assets | 81.0732% | 488 |
| Net loans and leases to deposits | 107.3615% | 221 |
| Net loans and leases to core deposits | 113.3794% | 486 |
| Total domestic deposits to total assets | 75.5142% | 6,139 |
| Equity capital to assets | 16.1673% | 501 |
| Core capital (leverage) ratio | 16.3630% | 429 |
| Tier 1 risk-based capital ratio | 22.3944% | 1,194 |
| Total risk-based capital ratio | 23.6576% | 1,171 |
| Memoranda: | ||
| Average total assets | $145,540,200 | 3,778 |
| Average earning assets | $134,025,000 | 3,751 |
| Average equity | $21,402,800 | 2,990 |
| Average total loans | $115,182,600 | 3,145 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0198% | 907 |
| Cost of funding earning assets | 0.8577% | 1,002 |
| Net interest margin | 4.1621% | 1,447 |
| Noninterest income to average assets | 1.7857% | 488 |
| Noninterest expense to average assets | 4.2178% | 676 |
| Loan and lease loss provision to assets | -1.6250% | 6,885 |
| Net operating income to assets | 3.0261% | 104 |
| Return on assets (ROA) | 3.0261% | 105 |
| Pretax return on assets | 3.0261% | 137 |
| Return on Equity (ROE) | 21.0631% | 240 |
| Retained earnings to average equity (ytd only) | 17.2112% | 127 |
| Net charge-offs to loans | 0.6063% | 1,030 |
| Credit loss provision to net charge-offs | -342.2053% | 5,984 |
| Earnings coverage of net charge-offs (x) | 2.9506% | 3,854 |
| Efficiency ratio | 75.0643% | 2,894 |
| Assets per employee ($millions) | 2.5396% | 6,440 |
| Cash dividends to net income (ytd only)* | 18.2875% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0919% | 1,526 |
| Loan loss allowance to noncurrent loans | 118.4583% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 2.9047% | 1,280 |
| Noncurrent loans to loans | 1.7659% | 2,549 |
| Net loans and leases to total assets | 74.3443% | 1,241 |
| Net loans and leases to deposits | 96.2915% | 669 |
| Net loans and leases to core deposits | 100.2190% | 1,099 |
| Total domestic deposits to total assets | 77.2075% | 6,021 |
| Equity capital to assets | 16.1154% | 537 |
| Core capital (leverage) ratio | 16.2736% | 460 |
| Tier 1 risk-based capital ratio | 23.1644% | 1,114 |
| Total risk-based capital ratio | 24.4265% | 1,098 |
| Memoranda: | ||
| Average total assets | $147,688,000 | 3,785 |
| Average earning assets | $136,018,250 | 3,761 |
| Average equity | $21,218,250 | 3,054 |
| Average total loans | $115,674,000 | 3,152 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0247% | 877 |
| Cost of funding earning assets | 0.8815% | 979 |
| Net interest margin | 4.1432% | 1,427 |
| Noninterest income to average assets | 1.6373% | 601 |
| Noninterest expense to average assets | 4.1763% | 716 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2775% | 1,381 |
| Return on assets (ROA) | 1.2775% | 1,472 |
| Pretax return on assets | 1.2775% | 2,378 |
| Return on Equity (ROE) | 9.2488% | 2,518 |
| Retained earnings to average equity (ytd only) | 4.8907% | 3,124 |
| Net charge-offs to loans | 0.6851% | 958 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.3580% | 3,733 |
| Efficiency ratio | 76.5759% | 2,701 |
| Assets per employee ($millions) | 2.5873% | 6,407 |
| Cash dividends to net income (ytd only)* | 47.1204% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7313% | 310 |
| Loan loss allowance to noncurrent loans | 198.1043% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 3.2008% | 1,242 |
| Noncurrent loans to loans | 1.8835% | 2,520 |
| Net loans and leases to total assets | 77.1894% | 843 |
| Net loans and leases to deposits | 98.5849% | 510 |
| Net loans and leases to core deposits | 102.6137% | 906 |
| Total domestic deposits to total assets | 78.2974% | 5,925 |
| Equity capital to assets | 14.7571% | 771 |
| Core capital (leverage) ratio | 14.9589% | 618 |
| Tier 1 risk-based capital ratio | 20.2312% | 1,673 |
| Total risk-based capital ratio | 21.5157% | 1,640 |
| Memoranda: | ||
| Average total assets | $149,511,330 | 3,783 |
| Average earning assets | $137,721,000 | 3,761 |
| Average equity | $20,651,330 | 3,134 |
| Average total loans | $118,235,330 | 3,100 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0111% | 869 |
| Cost of funding earning assets | 0.8820% | 1,073 |
| Net interest margin | 4.1291% | 1,380 |
| Noninterest income to average assets | 1.5750% | 621 |
| Noninterest expense to average assets | 3.9713% | 920 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4118% | 1,006 |
| Return on assets (ROA) | 1.4118% | 1,093 |
| Pretax return on assets | 1.4118% | 1,816 |
| Return on Equity (ROE) | 10.5477% | 1,859 |
| Retained earnings to average equity (ytd only) | 6.0577% | 2,649 |
| Net charge-offs to loans | 0.1121% | 2,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 16.0294% | 1,377 |
| Efficiency ratio | 73.7729% | 3,304 |
| Assets per employee ($millions) | 3.0877% | 5,844 |
| Cash dividends to net income (ytd only)* | 42.5688% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8819% | 317 |
| Loan loss allowance to noncurrent loans | 207.1461% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 2.8481% | 1,584 |
| Noncurrent loans to loans | 1.8740% | 2,768 |
| Net loans and leases to total assets | 74.4805% | 1,015 |
| Net loans and leases to deposits | 93.4246% | 702 |
| Net loans and leases to core deposits | 99.3432% | 988 |
| Total domestic deposits to total assets | 79.7225% | 5,815 |
| Equity capital to assets | 13.7624% | 1,112 |
| Core capital (leverage) ratio | 13.6811% | 880 |
| Tier 1 risk-based capital ratio | 18.2769% | 2,268 |
| Total risk-based capital ratio | 19.5608% | 2,220 |
| Memoranda: | ||
| Average total assets | $154,409,000 | 3,735 |
| Average earning assets | $142,404,500 | 3,722 |
| Average equity | $20,668,000 | 3,183 |
| Average total loans | $121,340,000 | 3,060 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1600% | 1,190 |
| Cost of funding earning assets | 1.1483% | 742 |
| Net interest margin | 4.0117% | 2,352 |
| Noninterest income to average assets | 1.2243% | 1,039 |
| Noninterest expense to average assets | 3.5905% | 1,628 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3050% | 1,285 |
| Return on assets (ROA) | 1.3135% | 1,405 |
| Pretax return on assets | 1.3135% | 2,343 |
| Return on Equity (ROE) | 11.0451% | 1,790 |
| Retained earnings to average equity (ytd only) | 8.9432% | 843 |
| Net charge-offs to loans | 0.1595% | 4,108 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 10.7015% | 2,116 |
| Efficiency ratio | 73.3424% | 3,185 |
| Assets per employee ($millions) | 3.0293% | 5,971 |
| Cash dividends to net income (ytd only)* | 19.0300% | 3,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6550% | 375 |
| Loan loss allowance to noncurrent loans | 147.7126% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 3.5195% | 1,281 |
| Noncurrent loans to loans | 2.4744% | 2,146 |
| Net loans and leases to total assets | 76.7245% | 830 |
| Net loans and leases to deposits | 100.5432% | 392 |
| Net loans and leases to core deposits | 107.1797% | 643 |
| Total domestic deposits to total assets | 76.3100% | 6,319 |
| Equity capital to assets | 13.0229% | 1,445 |
| Core capital (leverage) ratio | 12.9360% | 1,136 |
| Tier 1 risk-based capital ratio | 16.4873% | 2,899 |
| Total risk-based capital ratio | 17.6233% | 2,912 |
| Memoranda: | ||
| Average total assets | $164,825,600 | 3,537 |
| Average earning assets | $150,832,800 | 3,536 |
| Average equity | $19,601,400 | 3,248 |
| Average total loans | $126,012,000 | 2,955 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1258% | 1,364 |
| Cost of funding earning assets | 1.2376% | 583 |
| Net interest margin | 3.8881% | 2,954 |
| Noninterest income to average assets | 1.1881% | 1,074 |
| Noninterest expense to average assets | 3.4826% | 1,799 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2569% | 1,552 |
| Return on assets (ROA) | 1.2681% | 1,680 |
| Pretax return on assets | 1.2681% | 2,719 |
| Return on Equity (ROE) | 10.9082% | 1,992 |
| Retained earnings to average equity (ytd only) | 9.9792% | 920 |
| Net charge-offs to loans | 0.2378% | 3,296 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 6.9823% | 2,684 |
| Efficiency ratio | 73.4808% | 3,074 |
| Assets per employee ($millions) | 3.3282% | 5,368 |
| Cash dividends to net income (ytd only)* | 8.5176% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5521% | 443 |
| Loan loss allowance to noncurrent loans | 161.2801% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 4.2094% | 1,129 |
| Noncurrent loans to loans | 2.2025% | 2,620 |
| Net loans and leases to total assets | 72.9597% | 1,396 |
| Net loans and leases to deposits | 93.5631% | 822 |
| Net loans and leases to core deposits | 108.6315% | 625 |
| Total domestic deposits to total assets | 77.9791% | 6,084 |
| Equity capital to assets | 11.9466% | 2,305 |
| Core capital (leverage) ratio | 11.8270% | 1,760 |
| Tier 1 risk-based capital ratio | 15.6578% | 3,450 |
| Total risk-based capital ratio | 16.9361% | 3,400 |
| Memoranda: | ||
| Average total assets | $166,651,500 | 3,541 |
| Average earning assets | $152,220,750 | 3,545 |
| Average equity | $19,373,250 | 3,310 |
| Average total loans | $126,154,250 | 2,989 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1259% | 1,433 |
| Cost of funding earning assets | 1.3079% | 508 |
| Net interest margin | 3.8179% | 3,279 |
| Noninterest income to average assets | 1.0639% | 1,269 |
| Noninterest expense to average assets | 3.4850% | 1,816 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0615% | 2,199 |
| Return on assets (ROA) | 1.0784% | 2,352 |
| Pretax return on assets | 1.0784% | 3,382 |
| Return on Equity (ROE) | 9.3647% | 2,638 |
| Retained earnings to average equity (ytd only) | 7.9490% | 1,655 |
| Net charge-offs to loans | 0.1818% | 3,504 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 7.7105% | 2,431 |
| Efficiency ratio | 76.6534% | 2,646 |
| Assets per employee ($millions) | 3.2341% | 5,586 |
| Cash dividends to net income (ytd only)* | 15.1176% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6487% | 446 |
| Loan loss allowance to noncurrent loans | 160.5498% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 4.5101% | 1,102 |
| Noncurrent loans to loans | 2.2726% | 2,649 |
| Net loans and leases to total assets | 76.2960% | 933 |
| Net loans and leases to deposits | 98.7671% | 482 |
| Net loans and leases to core deposits | 114.6813% | 427 |
| Total domestic deposits to total assets | 77.2484% | 6,292 |
| Equity capital to assets | 12.0579% | 2,111 |
| Core capital (leverage) ratio | 11.9868% | 1,608 |
| Tier 1 risk-based capital ratio | 15.7043% | 3,328 |
| Total risk-based capital ratio | 16.9852% | 3,279 |
| Memoranda: | ||
| Average total assets | $165,622,330 | 3,573 |
| Average earning assets | $151,076,330 | 3,582 |
| Average equity | $19,071,670 | 3,345 |
| Average total loans | $125,405,000 | 3,020 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9959% | 1,899 |
| Cost of funding earning assets | 1.3725% | 463 |
| Net interest margin | 3.6234% | 4,162 |
| Noninterest income to average assets | 1.0144% | 1,391 |
| Noninterest expense to average assets | 3.2772% | 2,365 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0455% | 2,304 |
| Return on assets (ROA) | 1.0789% | 2,356 |
| Pretax return on assets | 1.0789% | 3,403 |
| Return on Equity (ROE) | 9.5872% | 2,566 |
| Retained earnings to average equity (ytd only) | 9.5872% | 1,387 |
| Net charge-offs to loans | -0.1193% | 6,852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8145% | 2,812 |
| Assets per employee ($millions) | 3.5103% | 5,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8535% | 415 |
| Loan loss allowance to noncurrent loans | 131.7040% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 4.6781% | 1,131 |
| Noncurrent loans to loans | 2.9259% | 2,212 |
| Net loans and leases to total assets | 72.9389% | 1,236 |
| Net loans and leases to deposits | 93.6270% | 691 |
| Net loans and leases to core deposits | 115.9452% | 383 |
| Total domestic deposits to total assets | 77.9037% | 6,275 |
| Equity capital to assets | 11.5625% | 2,382 |
| Core capital (leverage) ratio | 11.5479% | 1,866 |
| Tier 1 risk-based capital ratio | 15.6374% | 3,371 |
| Total risk-based capital ratio | 16.9211% | 3,324 |
| Memoranda: | ||
| Average total assets | $167,582,000 | 3,562 |
| Average earning assets | $153,005,500 | 3,567 |
| Average equity | $18,858,500 | 3,371 |
| Average total loans | $124,085,000 | 3,059 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8078% | 3,774 |
| Cost of funding earning assets | 1.5628% | 552 |
| Net interest margin | 3.2450% | 5,971 |
| Noninterest income to average assets | 0.9184% | 1,609 |
| Noninterest expense to average assets | 3.3079% | 2,497 |
| Loan and lease loss provision to assets | -0.5093% | 7,335 |
| Net operating income to assets | 1.1039% | 1,813 |
| Return on assets (ROA) | 1.1039% | 1,932 |
| Pretax return on assets | 1.1039% | 2,820 |
| Return on Equity (ROE) | 11.4521% | 1,573 |
| Retained earnings to average equity (ytd only) | 11.4521% | 352 |
| Net charge-offs to loans | -0.3095% | 7,248 |
| Credit loss provision to net charge-offs | 231.3625% | 1,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7615% | 1,685 |
| Assets per employee ($millions) | 3.6209% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8883% | 410 |
| Loan loss allowance to noncurrent loans | 112.2506% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 4.7255% | 1,154 |
| Noncurrent loans to loans | 3.4639% | 1,854 |
| Net loans and leases to total assets | 69.4715% | 2,127 |
| Net loans and leases to deposits | 88.2042% | 1,355 |
| Net loans and leases to core deposits | 120.2543% | 347 |
| Total domestic deposits to total assets | 78.7621% | 6,047 |
| Equity capital to assets | 10.9536% | 3,025 |
| Core capital (leverage) ratio | 10.7519% | 2,473 |
| Tier 1 risk-based capital ratio | 15.5204% | 3,313 |
| Total risk-based capital ratio | 16.8051% | 3,248 |
| Memoranda: | ||
| Average total assets | $176,729,600 | 3,385 |
| Average earning assets | $162,528,200 | 3,356 |
| Average equity | $17,036,200 | 3,570 |
| Average total loans | $125,696,800 | 3,067 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7681% | 4,151 |
| Cost of funding earning assets | 1.5959% | 591 |
| Net interest margin | 3.1723% | 6,226 |
| Noninterest income to average assets | 0.9291% | 1,548 |
| Noninterest expense to average assets | 3.3144% | 2,450 |
| Loan and lease loss provision to assets | 0.2243% | 3,767 |
| Net operating income to assets | 0.3117% | 5,356 |
| Return on assets (ROA) | 0.3117% | 5,529 |
| Pretax return on assets | 0.3117% | 5,677 |
| Return on Equity (ROE) | 3.3423% | 5,296 |
| Retained earnings to average equity (ytd only) | 3.3423% | 4,346 |
| Net charge-offs to loans | -0.1287% | 7,201 |
| Credit loss provision to net charge-offs | -245.9016% | 6,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0804% | 1,522 |
| Assets per employee ($millions) | 3.6707% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6279% | 240 |
| Loan loss allowance to noncurrent loans | 92.5656% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 5.0085% | 1,147 |
| Noncurrent loans to loans | 4.9996% | 1,246 |
| Net loans and leases to total assets | 68.2655% | 2,429 |
| Net loans and leases to deposits | 85.5295% | 1,748 |
| Net loans and leases to core deposits | 117.1809% | 464 |
| Total domestic deposits to total assets | 79.8151% | 5,786 |
| Equity capital to assets | 9.9197% | 4,450 |
| Core capital (leverage) ratio | 9.7097% | 3,832 |
| Tier 1 risk-based capital ratio | 14.1153% | 4,270 |
| Total risk-based capital ratio | 15.4093% | 4,202 |
| Memoranda: | ||
| Average total assets | $178,366,500 | 3,376 |
| Average earning assets | $164,253,000 | 3,353 |
| Average equity | $16,635,000 | 3,637 |
| Average total loans | $126,368,250 | 3,071 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7563% | 4,263 |
| Cost of funding earning assets | 1.6300% | 623 |
| Net interest margin | 3.1262% | 6,352 |
| Noninterest income to average assets | 0.7587% | 2,214 |
| Noninterest expense to average assets | 3.4218% | 2,202 |
| Loan and lease loss provision to assets | 0.3328% | 2,784 |
| Net operating income to assets | -0.1198% | 6,374 |
| Return on assets (ROA) | -0.1198% | 6,423 |
| Pretax return on assets | -0.1198% | 6,383 |
| Return on Equity (ROE) | -1.3111% | 6,445 |
| Retained earnings to average equity (ytd only) | -1.3111% | 6,122 |
| Net charge-offs to loans | -0.6597% | 7,422 |
| Credit loss provision to net charge-offs | -71.4286% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1410% | 968 |
| Assets per employee ($millions) | 3.5837% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9212% | 196 |
| Loan loss allowance to noncurrent loans | 85.4969% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 5.6732% | 1,025 |
| Noncurrent loans to loans | 5.7560% | 1,065 |
| Net loans and leases to total assets | 66.1576% | 3,002 |
| Net loans and leases to deposits | 82.3261% | 2,402 |
| Net loans and leases to core deposits | 117.9172% | 477 |
| Total domestic deposits to total assets | 80.3604% | 5,724 |
| Equity capital to assets | 9.3839% | 5,010 |
| Core capital (leverage) ratio | 9.2204% | 4,369 |
| Tier 1 risk-based capital ratio | 13.7533% | 4,337 |
| Total risk-based capital ratio | 15.0511% | 4,279 |
| Memoranda: | ||
| Average total assets | $180,313,670 | 3,362 |
| Average earning assets | $165,886,000 | 3,339 |
| Average equity | $16,475,330 | 3,656 |
| Average total loans | $127,327,670 | 3,087 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7425% | 4,324 |
| Cost of funding earning assets | 1.6728% | 625 |
| Net interest margin | 3.0697% | 6,419 |
| Noninterest income to average assets | 0.6022% | 3,147 |
| Noninterest expense to average assets | 3.0393% | 3,488 |
| Loan and lease loss provision to assets | 0.6569% | 1,305 |
| Net operating income to assets | -0.2693% | 6,629 |
| Return on assets (ROA) | -0.2693% | 6,643 |
| Pretax return on assets | -0.2693% | 6,596 |
| Return on Equity (ROE) | -2.9865% | 6,670 |
| Retained earnings to average equity (ytd only) | -2.9865% | 6,295 |
| Net charge-offs to loans | 0.4157% | 2,442 |
| Credit loss provision to net charge-offs | 222.2222% | 1,362 |
| Earnings coverage of net charge-offs (x) | 1.3111% | 3,693 |
| Efficiency ratio | 88.6901% | 1,445 |
| Assets per employee ($millions) | 3.6651% | 4,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3144% | 347 |
| Loan loss allowance to noncurrent loans | 53.9435% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 7.3723% | 693 |
| Noncurrent loans to loans | 7.9980% | 627 |
| Net loans and leases to total assets | 67.4024% | 2,675 |
| Net loans and leases to deposits | 83.4917% | 2,105 |
| Net loans and leases to core deposits | 118.0968% | 470 |
| Total domestic deposits to total assets | 80.7294% | 5,739 |
| Equity capital to assets | 9.1447% | 4,965 |
| Core capital (leverage) ratio | 8.9912% | 4,625 |
| Tier 1 risk-based capital ratio | 13.2736% | 4,599 |
| Total risk-based capital ratio | 14.5639% | 4,544 |
| Memoranda: | ||
| Average total assets | $182,671,000 | 3,360 |
| Average earning assets | $168,096,500 | 3,326 |
| Average equity | $16,474,000 | 3,642 |
| Average total loans | $129,899,000 | 3,067 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5140% | 2,226 |
| Cost of funding earning assets | 2.1843% | 318 |
| Net interest margin | 3.3297% | 5,871 |
| Noninterest income to average assets | 1.1212% | 1,175 |
| Noninterest expense to average assets | 3.0854% | 3,523 |
| Loan and lease loss provision to assets | 4.1672% | 146 |
| Net operating income to assets | -3.1158% | 7,319 |
| Return on assets (ROA) | -3.1158% | 7,336 |
| Pretax return on assets | -3.1158% | 7,314 |
| Return on Equity (ROE) | -30.8701% | 7,242 |
| Retained earnings to average equity (ytd only) | -30.8701% | 7,230 |
| Net charge-offs to loans | 2.9376% | 572 |
| Credit loss provision to net charge-offs | 173.4928% | 1,939 |
| Earnings coverage of net charge-offs (x) | 0.4377% | 5,672 |
| Efficiency ratio | 74.5846% | 3,279 |
| Assets per employee ($millions) | 3.8698% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9710% | 418 |
| Loan loss allowance to noncurrent loans | 30.0551% | 6,286 |
| Noncurrent assets plus other real estate owned to assets | 11.3662% | 320 |
| Noncurrent loans to loans | 13.2123% | 225 |
| Net loans and leases to total assets | 68.9085% | 2,769 |
| Net loans and leases to deposits | 84.8715% | 2,306 |
| Net loans and leases to core deposits | 130.2974% | 328 |
| Total domestic deposits to total assets | 81.1916% | 5,454 |
| Equity capital to assets | 8.8963% | 5,288 |
| Core capital (leverage) ratio | 8.7510% | 4,940 |
| Tier 1 risk-based capital ratio | 12.1635% | 5,323 |
| Total risk-based capital ratio | 13.4466% | 5,274 |
| Memoranda: | ||
| Average total assets | $177,482,600 | 3,415 |
| Average earning assets | $160,737,400 | 3,436 |
| Average equity | $17,913,800 | 3,440 |
| Average total loans | $145,120,600 | 2,852 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6832% | 1,767 |
| Cost of funding earning assets | 2.2369% | 339 |
| Net interest margin | 3.4463% | 5,506 |
| Noninterest income to average assets | 1.0322% | 1,362 |
| Noninterest expense to average assets | 3.0745% | 3,451 |
| Loan and lease loss provision to assets | 4.8615% | 99 |
| Net operating income to assets | -3.7959% | 7,555 |
| Return on assets (ROA) | -3.7959% | 7,566 |
| Pretax return on assets | -3.7959% | 7,543 |
| Return on Equity (ROE) | -36.4630% | 7,464 |
| Retained earnings to average equity (ytd only) | -36.4630% | 7,461 |
| Net charge-offs to loans | 2.9497% | 538 |
| Credit loss provision to net charge-offs | 195.2381% | 1,828 |
| Earnings coverage of net charge-offs (x) | 0.4280% | 5,595 |
| Efficiency ratio | 74.2611% | 3,277 |
| Assets per employee ($millions) | 3.7784% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7397% | 457 |
| Loan loss allowance to noncurrent loans | 29.7868% | 6,342 |
| Noncurrent assets plus other real estate owned to assets | 11.7575% | 286 |
| Noncurrent loans to loans | 12.5549% | 257 |
| Net loans and leases to total assets | 74.9362% | 1,595 |
| Net loans and leases to deposits | 93.7109% | 1,237 |
| Net loans and leases to core deposits | 145.7912% | 213 |
| Total domestic deposits to total assets | 79.9653% | 5,721 |
| Equity capital to assets | 9.4075% | 4,973 |
| Core capital (leverage) ratio | 9.2584% | 4,263 |
| Tier 1 risk-based capital ratio | 12.1800% | 5,292 |
| Total risk-based capital ratio | 13.4615% | 5,230 |
| Memoranda: | ||
| Average total assets | $175,415,250 | 3,493 |
| Average earning assets | $158,194,500 | 3,530 |
| Average equity | $18,261,000 | 3,432 |
| Average total loans | $148,077,750 | 2,839 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7236% | 1,675 |
| Cost of funding earning assets | 2.2522% | 396 |
| Net interest margin | 3.4714% | 5,362 |
| Noninterest income to average assets | 0.9018% | 1,684 |
| Noninterest expense to average assets | 3.0075% | 3,684 |
| Loan and lease loss provision to assets | 7.0298% | 46 |
| Net operating income to assets | -6.0162% | 7,734 |
| Return on assets (ROA) | -6.0162% | 7,741 |
| Pretax return on assets | -6.0162% | 7,730 |
| Return on Equity (ROE) | -55.9144% | 7,638 |
| Retained earnings to average equity (ytd only) | -55.9144% | 7,634 |
| Net charge-offs to loans | 3.6655% | 387 |
| Credit loss provision to net charge-offs | 221.1901% | 1,764 |
| Earnings coverage of net charge-offs (x) | 0.3189% | 5,408 |
| Efficiency ratio | 74.7921% | 3,305 |
| Assets per employee ($millions) | 3.7458% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7237% | 462 |
| Loan loss allowance to noncurrent loans | 27.8326% | 6,502 |
| Noncurrent assets plus other real estate owned to assets | 14.0214% | 178 |
| Noncurrent loans to loans | 13.3790% | 220 |
| Net loans and leases to total assets | 80.7727% | 696 |
| Net loans and leases to deposits | 100.9112% | 653 |
| Net loans and leases to core deposits | 126.6494% | 495 |
| Total domestic deposits to total assets | 80.0434% | 5,710 |
| Equity capital to assets | 8.5872% | 6,037 |
| Core capital (leverage) ratio | 8.2428% | 5,868 |
| Tier 1 risk-based capital ratio | 10.3490% | 6,797 |
| Total risk-based capital ratio | 11.6319% | 6,768 |
| Memoranda: | ||
| Average total assets | $173,432,000 | 3,544 |
| Average earning assets | $155,845,670 | 3,603 |
| Average equity | $18,660,670 | 3,353 |
| Average total loans | $150,374,330 | 2,831 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9177% | 1,161 |
| Cost of funding earning assets | 2.2182% | 560 |
| Net interest margin | 3.6996% | 4,244 |
| Noninterest income to average assets | 0.7808% | 2,115 |
| Noninterest expense to average assets | 3.0118% | 3,635 |
| Loan and lease loss provision to assets | 0.6972% | 1,829 |
| Net operating income to assets | 0.3858% | 4,902 |
| Return on assets (ROA) | 0.3858% | 5,038 |
| Pretax return on assets | 0.3858% | 5,342 |
| Return on Equity (ROE) | 3.2498% | 5,226 |
| Retained earnings to average equity (ytd only) | 3.2498% | 4,199 |
| Net charge-offs to loans | 0.8094% | 1,918 |
| Credit loss provision to net charge-offs | 97.7199% | 3,495 |
| Earnings coverage of net charge-offs (x) | 1.5179% | 3,822 |
| Efficiency ratio | 73.5528% | 3,649 |
| Assets per employee ($millions) | 3.6139% | 4,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 4,300 |
| Loan loss allowance to noncurrent loans | 34.4095% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 6.7499% | 819 |
| Noncurrent loans to loans | 4.1401% | 1,864 |
| Net loans and leases to total assets | 85.8816% | 221 |
| Net loans and leases to deposits | 112.5449% | 241 |
| Net loans and leases to core deposits | 153.4021% | 222 |
| Total domestic deposits to total assets | 76.3087% | 6,701 |
| Equity capital to assets | 11.8327% | 2,143 |
| Core capital (leverage) ratio | 11.5168% | 1,901 |
| Tier 1 risk-based capital ratio | 13.3954% | 4,047 |
| Total risk-based capital ratio | 14.6338% | 4,019 |
| Memoranda: | ||
| Average total assets | $172,122,000 | 3,627 |
| Average earning assets | $154,180,500 | 3,688 |
| Average equity | $20,432,000 | 3,140 |
| Average total loans | $151,710,500 | 2,863 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1360% | 1,416 |
| Cost of funding earning assets | 2.5169% | 990 |
| Net interest margin | 3.6191% | 4,479 |
| Noninterest income to average assets | 0.3262% | 5,747 |
| Noninterest expense to average assets | 3.2576% | 3,161 |
| Loan and lease loss provision to assets | 0.8567% | 2,595 |
| Net operating income to assets | -0.4803% | 6,157 |
| Return on assets (ROA) | -0.0079% | 5,548 |
| Pretax return on assets | -0.0079% | 5,459 |
| Return on Equity (ROE) | -0.0678% | 5,549 |
| Retained earnings to average equity (ytd only) | -0.8577% | 5,215 |
| Net charge-offs to loans | 0.6370% | 3,287 |
| Credit loss provision to net charge-offs | 147.3786% | 3,187 |
| Earnings coverage of net charge-offs (x) | 0.6476% | 5,445 |
| Efficiency ratio | 89.6412% | 1,737 |
| Assets per employee ($millions) | 3.4852% | 5,036 |
| Cash dividends to net income (ytd only)* | -1,164.2857% | 7,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 4,128 |
| Loan loss allowance to noncurrent loans | 34.1502% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 6.5045% | 840 |
| Noncurrent loans to loans | 4.1533% | 1,761 |
| Net loans and leases to total assets | 87.9110% | 177 |
| Net loans and leases to deposits | 122.0956% | 148 |
| Net loans and leases to core deposits | 164.1860% | 295 |
| Total domestic deposits to total assets | 72.0018% | 7,242 |
| Equity capital to assets | 11.9092% | 2,077 |
| Core capital (leverage) ratio | 11.5887% | 1,871 |
| Tier 1 risk-based capital ratio | 13.2259% | 3,997 |
| Total risk-based capital ratio | 14.4642% | 3,948 |
| Memoranda: | ||
| Average total assets | $177,185,600 | 3,484 |
| Average earning assets | $161,946,400 | 3,483 |
| Average equity | $20,636,400 | 3,118 |
| Average total loans | $161,692,600 | 2,731 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1033% | 1,641 |
| Cost of funding earning assets | 2.5768% | 1,085 |
| Net interest margin | 3.5265% | 4,759 |
| Noninterest income to average assets | 0.1879% | 6,875 |
| Noninterest expense to average assets | 3.1716% | 3,395 |
| Loan and lease loss provision to assets | 0.3781% | 4,063 |
| Net operating income to assets | -0.1245% | 5,928 |
| Return on assets (ROA) | 0.3744% | 4,602 |
| Pretax return on assets | 0.3744% | 4,866 |
| Return on Equity (ROE) | 3.2317% | 4,686 |
| Retained earnings to average equity (ytd only) | 3.2317% | 3,508 |
| Net charge-offs to loans | 0.4129% | 3,610 |
| Credit loss provision to net charge-offs | 99.8031% | 5,127 |
| Earnings coverage of net charge-offs (x) | 0.6693% | 5,362 |
| Efficiency ratio | 92.5974% | 1,490 |
| Assets per employee ($millions) | 3.6583% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 6,151 |
| Loan loss allowance to noncurrent loans | 78.5714% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 2.6688% | 2,611 |
| Noncurrent loans to loans | 1.3014% | 4,763 |
| Net loans and leases to total assets | 90.2837% | 106 |
| Net loans and leases to deposits | 124.8401% | 142 |
| Net loans and leases to core deposits | 176.1130% | 213 |
| Total domestic deposits to total assets | 72.3195% | 7,168 |
| Equity capital to assets | 11.7190% | 2,419 |
| Core capital (leverage) ratio | 11.4528% | 2,098 |
| Tier 1 risk-based capital ratio | 12.9217% | 4,249 |
| Total risk-based capital ratio | 13.9681% | 4,329 |
| Memoranda: | ||
| Average total assets | $178,788,250 | 3,485 |
| Average earning assets | $164,124,500 | 3,471 |
| Average equity | $20,711,000 | 3,136 |
| Average total loans | $164,043,250 | 2,724 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0836% | 1,842 |
| Cost of funding earning assets | 2.6613% | 1,136 |
| Net interest margin | 3.4223% | 5,089 |
| Noninterest income to average assets | 0.1579% | 7,147 |
| Noninterest expense to average assets | 3.1887% | 3,367 |
| Loan and lease loss provision to assets | 0.3045% | 4,128 |
| Net operating income to assets | -0.1937% | 6,178 |
| Return on assets (ROA) | 0.3191% | 4,926 |
| Pretax return on assets | 0.3191% | 5,166 |
| Return on Equity (ROE) | 2.7653% | 4,992 |
| Retained earnings to average equity (ytd only) | 2.7653% | 3,790 |
| Net charge-offs to loans | 0.3629% | 3,368 |
| Credit loss provision to net charge-offs | 91.2752% | 4,882 |
| Earnings coverage of net charge-offs (x) | 0.3322% | 5,345 |
| Efficiency ratio | 96.6407% | 1,338 |
| Assets per employee ($millions) | 3.7804% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 6,170 |
| Loan loss allowance to noncurrent loans | 55.3242% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 2.9525% | 2,160 |
| Noncurrent loans to loans | 1.8237% | 3,777 |
| Net loans and leases to total assets | 90.9461% | 95 |
| Net loans and leases to deposits | 124.9954% | 165 |
| Net loans and leases to core deposits | 176.8354% | 251 |
| Total domestic deposits to total assets | 72.7596% | 7,144 |
| Equity capital to assets | 11.6872% | 2,393 |
| Core capital (leverage) ratio | 11.4231% | 2,123 |
| Tier 1 risk-based capital ratio | 12.7524% | 4,319 |
| Total risk-based capital ratio | 13.7810% | 4,420 |
| Memoranda: | ||
| Average total assets | $178,632,330 | 3,506 |
| Average earning assets | $163,981,330 | 3,488 |
| Average equity | $20,612,330 | 3,159 |
| Average total loans | $164,220,670 | 2,752 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0249% | 2,256 |
| Cost of funding earning assets | 2.7280% | 1,184 |
| Net interest margin | 3.2969% | 5,506 |
| Noninterest income to average assets | 0.2434% | 6,512 |
| Noninterest expense to average assets | 3.1221% | 3,297 |
| Loan and lease loss provision to assets | 0.2948% | 3,587 |
| Net operating income to assets | -0.1452% | 6,475 |
| Return on assets (ROA) | 0.3931% | 5,059 |
| Pretax return on assets | 0.3931% | 5,417 |
| Return on Equity (ROE) | 3.4282% | 5,196 |
| Retained earnings to average equity (ytd only) | 3.4282% | 3,979 |
| Net charge-offs to loans | 0.4930% | 2,229 |
| Credit loss provision to net charge-offs | 65.0246% | 4,436 |
| Earnings coverage of net charge-offs (x) | 0.3300% | 4,715 |
| Efficiency ratio | 95.4266% | 1,349 |
| Assets per employee ($millions) | 3.8056% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9754% | 6,343 |
| Loan loss allowance to noncurrent loans | 58.8819% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 2.6378% | 2,174 |
| Noncurrent loans to loans | 1.6565% | 3,789 |
| Net loans and leases to total assets | 90.8713% | 104 |
| Net loans and leases to deposits | 132.8886% | 125 |
| Net loans and leases to core deposits | 192.5280% | 167 |
| Total domestic deposits to total assets | 68.3816% | 7,567 |
| Equity capital to assets | 11.5373% | 2,566 |
| Core capital (leverage) ratio | 11.2565% | 2,302 |
| Tier 1 risk-based capital ratio | 12.5366% | 4,520 |
| Total risk-based capital ratio | 13.5262% | 4,636 |
| Memoranda: | ||
| Average total assets | $179,108,000 | 3,522 |
| Average earning assets | $164,518,500 | 3,504 |
| Average equity | $20,535,500 | 3,181 |
| Average total loans | $164,710,500 | 2,774 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7152% | 1,977 |
| Cost of funding earning assets | 3.4292% | 655 |
| Net interest margin | 3.2860% | 6,085 |
| Noninterest income to average assets | 0.4254% | 5,258 |
| Noninterest expense to average assets | 3.0556% | 3,875 |
| Loan and lease loss provision to assets | 0.1797% | 5,096 |
| Net operating income to assets | 0.2194% | 5,791 |
| Return on assets (ROA) | 0.4571% | 4,748 |
| Pretax return on assets | 0.4571% | 5,105 |
| Return on Equity (ROE) | 4.4081% | 4,636 |
| Retained earnings to average equity (ytd only) | 2.9853% | 3,313 |
| Net charge-offs to loans | 0.3801% | 2,932 |
| Credit loss provision to net charge-offs | 51.5385% | 6,336 |
| Earnings coverage of net charge-offs (x) | 1.1446% | 5,551 |
| Efficiency ratio | 88.4472% | 1,638 |
| Assets per employee ($millions) | 3.8990% | 3,736 |
| Cash dividends to net income (ytd only)* | 32.2770% | 4,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 5,923 |
| Loan loss allowance to noncurrent loans | 59.5442% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 2.6021% | 1,849 |
| Noncurrent loans to loans | 1.6989% | 3,223 |
| Net loans and leases to total assets | 91.2240% | 121 |
| Net loans and leases to deposits | 142.1316% | 101 |
| Net loans and leases to core deposits | 207.8325% | 146 |
| Total domestic deposits to total assets | 64.1827% | 7,780 |
| Equity capital to assets | 11.3938% | 2,706 |
| Core capital (leverage) ratio | 11.1114% | 2,501 |
| Tier 1 risk-based capital ratio | 12.5798% | 4,390 |
| Total risk-based capital ratio | 13.6280% | 4,424 |
| Memoranda: | ||
| Average total assets | $186,410,400 | 3,318 |
| Average earning assets | $171,848,800 | 3,308 |
| Average equity | $19,328,000 | 3,343 |
| Average total loans | $171,016,400 | 2,596 |