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 | 5.2041% | 1,650 |
| Cost of funding earning assets | 0.5362% | 4,160 |
| Net interest margin | 4.6678% | 490 |
| Noninterest income to average assets | 1.9600% | 277 |
| Noninterest expense to average assets | 2.7058% | 1,722 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 2.6681% | 212 |
| Return on assets (ROA) | 2.2045% | 326 |
| Pretax return on assets | 2.8659% | 233 |
| Return on Equity (ROE) | 23.1800% | 395 |
| Retained earnings to average equity (ytd only) | 23.1843% | 90 |
| Net charge-offs to loans | 0.1271% | 773 |
| Credit loss provision to net charge-offs | 19.2308% | 2,314 |
| Earnings coverage of net charge-offs (x) | 45.1418% | 1,357 |
| Efficiency ratio | 43.3041% | 4,276 |
| Assets per employee ($millions) | 5.6865% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 1,454 |
| Loan loss allowance to noncurrent loans | 1,496.6906% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 2,509 |
| Noncurrent loans to loans | 0.0923% | 3,077 |
| Net loans and leases to total assets | 62.7900% | 2,596 |
| Net loans and leases to deposits | 73.9294% | 2,619 |
| Net loans and leases to core deposits | 78.5325% | 2,795 |
| Total domestic deposits to total assets | 84.9300% | 2,334 |
| Equity capital to assets | 11.1057% | 1,428 |
| Core capital (leverage) ratio | 12.4794% | 1,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4386% | 841 |
| Memoranda: | ||
| Average total assets | $1,159,570,000 | 875 |
| Average earning assets | $1,064,495,800 | 874 |
| Average equity | $110,259,800 | 885 |
| Average total loans | $716,216,200 | 933 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0368% | 1,761 |
| Cost of funding earning assets | 0.4512% | 4,201 |
| Net interest margin | 4.5856% | 544 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 2.4072% | 2,503 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.9290% | 545 |
| Return on assets (ROA) | 1.9247% | 538 |
| Pretax return on assets | 2.4939% | 380 |
| Return on Equity (ROE) | 21.1500% | 624 |
| Retained earnings to average equity (ytd only) | 21.1516% | 225 |
| Net charge-offs to loans | 0.0091% | 2,071 |
| Credit loss provision to net charge-offs | 160.4167% | 1,278 |
| Earnings coverage of net charge-offs (x) | 467.1042% | 325 |
| Efficiency ratio | 48.1619% | 4,034 |
| Assets per employee ($millions) | 5.4884% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 1,122 |
| Loan loss allowance to noncurrent loans | 166.2349% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.5773% | 1,010 |
| Noncurrent loans to loans | 0.8998% | 916 |
| Net loans and leases to total assets | 63.2000% | 2,542 |
| Net loans and leases to deposits | 72.7919% | 2,664 |
| Net loans and leases to core deposits | 76.7907% | 2,817 |
| Total domestic deposits to total assets | 86.8200% | 1,944 |
| Equity capital to assets | 9.3425% | 2,202 |
| Core capital (leverage) ratio | 12.3338% | 1,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4123% | 1,033 |
| Memoranda: | ||
| Average total assets | $1,153,764,000 | 881 |
| Average earning assets | $1,059,925,750 | 875 |
| Average equity | $104,985,500 | 910 |
| Average total loans | $707,000,750 | 945 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8670% | 1,847 |
| Cost of funding earning assets | 0.3822% | 4,196 |
| Net interest margin | 4.4847% | 621 |
| Noninterest income to average assets | 0.8300% | 808 |
| Noninterest expense to average assets | 2.3852% | 2,540 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.9146% | 548 |
| Return on assets (ROA) | 1.9080% | 545 |
| Pretax return on assets | 2.4770% | 367 |
| Return on Equity (ROE) | 21.1600% | 610 |
| Retained earnings to average equity (ytd only) | 21.1594% | 215 |
| Net charge-offs to loans | 0.0066% | 1,992 |
| Credit loss provision to net charge-offs | -969.5652% | 4,620 |
| Earnings coverage of net charge-offs (x) | 643.0000% | 226 |
| Efficiency ratio | 48.1270% | 4,060 |
| Assets per employee ($millions) | 5.5980% | 3,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 1,185 |
| Loan loss allowance to noncurrent loans | 165.6426% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 946 |
| Noncurrent loans to loans | 0.9048% | 847 |
| Net loans and leases to total assets | 62.3700% | 2,542 |
| Net loans and leases to deposits | 70.4073% | 2,753 |
| Net loans and leases to core deposits | 73.3812% | 2,934 |
| Total domestic deposits to total assets | 88.5800% | 1,385 |
| Equity capital to assets | 9.4973% | 2,161 |
| Core capital (leverage) ratio | 12.2273% | 1,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1823% | 1,088 |
| Memoranda: | ||
| Average total assets | $1,150,502,667 | 872 |
| Average earning assets | $1,058,481,333 | 866 |
| Average equity | $103,745,667 | 911 |
| Average total loans | $693,827,333 | 945 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7428% | 1,752 |
| Cost of funding earning assets | 0.3101% | 4,170 |
| Net interest margin | 4.4327% | 648 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.3407% | 2,700 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.7941% | 680 |
| Return on assets (ROA) | 1.7810% | 692 |
| Pretax return on assets | 2.3018% | 483 |
| Return on Equity (ROE) | 20.2900% | 728 |
| Retained earnings to average equity (ytd only) | 20.2880% | 360 |
| Net charge-offs to loans | 0.0083% | 1,635 |
| Credit loss provision to net charge-offs | -2,235.7143% | 4,670 |
| Earnings coverage of net charge-offs (x) | 496.3571% | 228 |
| Efficiency ratio | 49.2403% | 4,004 |
| Assets per employee ($millions) | 5.7454% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 1,128 |
| Loan loss allowance to noncurrent loans | 165.6705% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.5935% | 863 |
| Noncurrent loans to loans | 0.9343% | 804 |
| Net loans and leases to total assets | 61.6900% | 2,491 |
| Net loans and leases to deposits | 69.6611% | 2,643 |
| Net loans and leases to core deposits | 71.8327% | 2,829 |
| Total domestic deposits to total assets | 88.5500% | 1,717 |
| Equity capital to assets | 9.4894% | 2,152 |
| Core capital (leverage) ratio | 11.8308% | 1,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8973% | 1,170 |
| Memoranda: | ||
| Average total assets | $1,151,962,000 | 892 |
| Average earning assets | $1,058,943,500 | 888 |
| Average equity | $101,124,000 | 944 |
| Average total loans | $677,420,000 | 988 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9606% | 1,824 |
| Cost of funding earning assets | 0.2926% | 2,942 |
| Net interest margin | 3.6680% | 1,456 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 2.3927% | 2,444 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.2828% | 1,493 |
| Return on assets (ROA) | 1.2828% | 1,447 |
| Pretax return on assets | 1.6412% | 1,056 |
| Return on Equity (ROE) | 16.7400% | 907 |
| Retained earnings to average equity (ytd only) | 10.5878% | 985 |
| Net charge-offs to loans | 0.0140% | 1,862 |
| Credit loss provision to net charge-offs | 1,690.8046% | 294 |
| Earnings coverage of net charge-offs (x) | 225.7241% | 594 |
| Efficiency ratio | 57.4225% | 3,414 |
| Assets per employee ($millions) | 5.8587% | 2,898 |
| Cash dividends to net income (ytd only)* | 36.7561% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6965% | 806 |
| Loan loss allowance to noncurrent loans | 169.7972% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.5515% | 911 |
| Noncurrent loans to loans | 0.9991% | 733 |
| Net loans and leases to total assets | 54.2600% | 3,179 |
| Net loans and leases to deposits | 60.2193% | 3,319 |
| Net loans and leases to core deposits | 61.3971% | 3,428 |
| Total domestic deposits to total assets | 90.1100% | 1,314 |
| Equity capital to assets | 8.1121% | 2,986 |
| Core capital (leverage) ratio | 10.7669% | 1,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3967% | 1,065 |
| Memoranda: | ||
| Average total assets | $1,106,916,400 | 895 |
| Average earning assets | $1,015,826,800 | 895 |
| Average equity | $84,814,800 | 1,082 |
| Average total loans | $622,243,600 | 1,012 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7185% | 1,980 |
| Cost of funding earning assets | 0.2920% | 2,255 |
| Net interest margin | 3.4265% | 1,883 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 2.2839% | 2,678 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.2488% | 1,526 |
| Return on assets (ROA) | 1.2488% | 1,500 |
| Pretax return on assets | 1.5947% | 1,130 |
| Return on Equity (ROE) | 16.5600% | 881 |
| Retained earnings to average equity (ytd only) | 8.0683% | 1,975 |
| Net charge-offs to loans | 0.0015% | 2,254 |
| Credit loss provision to net charge-offs | 14,157.1429% | 42 |
| Earnings coverage of net charge-offs (x) | 1,997.7143% | 61 |
| Efficiency ratio | 57.0938% | 3,500 |
| Assets per employee ($millions) | 6.1703% | 2,603 |
| Cash dividends to net income (ytd only)* | 51.2924% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6986% | 879 |
| Loan loss allowance to noncurrent loans | 169.1399% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.5303% | 1,019 |
| Noncurrent loans to loans | 1.0043% | 767 |
| Net loans and leases to total assets | 51.9100% | 3,284 |
| Net loans and leases to deposits | 56.1807% | 3,462 |
| Net loans and leases to core deposits | 57.1116% | 3,556 |
| Total domestic deposits to total assets | 92.4000% | 746 |
| Equity capital to assets | 5.8743% | 4,010 |
| Core capital (leverage) ratio | 8.7342% | 3,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6996% | 1,810 |
| Memoranda: | ||
| Average total assets | $1,086,316,250 | 915 |
| Average earning assets | $996,677,000 | 917 |
| Average equity | $81,899,000 | 1,121 |
| Average total loans | $613,683,750 | 1,018 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5598% | 1,962 |
| Cost of funding earning assets | 0.2972% | 1,738 |
| Net interest margin | 3.2627% | 2,022 |
| Noninterest income to average assets | 0.9119% | 820 |
| Noninterest expense to average assets | 2.3649% | 2,358 |
| Loan and lease loss provision to assets | 0.1317% | 734 |
| Net operating income to assets | 1.1071% | 1,749 |
| Return on assets (ROA) | 1.1071% | 1,726 |
| Pretax return on assets | 1.4014% | 1,436 |
| Return on Equity (ROE) | 13.5472% | 1,223 |
| Retained earnings to average equity (ytd only) | 1.3759% | 3,907 |
| Net charge-offs to loans | 0.0119% | 1,553 |
| Credit loss provision to net charge-offs | 1,919.4444% | 253 |
| Earnings coverage of net charge-offs (x) | 223.4444% | 507 |
| Efficiency ratio | 60.6708% | 3,218 |
| Assets per employee ($millions) | 5.7802% | 2,946 |
| Cash dividends to net income (ytd only)* | 89.8433% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 1,023 |
| Loan loss allowance to noncurrent loans | 158.8675% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 950 |
| Noncurrent loans to loans | 1.0480% | 791 |
| Net loans and leases to total assets | 55.3942% | 2,813 |
| Net loans and leases to deposits | 60.7248% | 3,002 |
| Net loans and leases to core deposits | 61.8744% | 3,127 |
| Total domestic deposits to total assets | 91.2217% | 1,141 |
| Equity capital to assets | 6.8431% | 3,847 |
| Core capital (leverage) ratio | 9.0426% | 3,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5625% | 1,844 |
| Memoranda: | ||
| Average total assets | $1,049,411,667 | 937 |
| Average earning assets | $960,439,333 | 946 |
| Average equity | $85,759,667 | 1,101 |
| Average total loans | $607,547,000 | 1,015 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4339% | 1,991 |
| Cost of funding earning assets | 0.3042% | 1,619 |
| Net interest margin | 3.1298% | 2,085 |
| Noninterest income to average assets | 0.8132% | 1,012 |
| Noninterest expense to average assets | 2.4175% | 2,106 |
| Loan and lease loss provision to assets | 0.0785% | 1,049 |
| Net operating income to assets | 0.9282% | 2,164 |
| Return on assets (ROA) | 0.9282% | 2,153 |
| Pretax return on assets | 1.1762% | 1,890 |
| Return on Equity (ROE) | 10.4338% | 1,813 |
| Retained earnings to average equity (ytd only) | 10.4338% | 917 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8331% | 2,788 |
| Assets per employee ($millions) | 5.5288% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 1,157 |
| Loan loss allowance to noncurrent loans | 159.3660% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.5884% | 1,001 |
| Noncurrent loans to loans | 1.0352% | 872 |
| Net loans and leases to total assets | 55.8983% | 2,538 |
| Net loans and leases to deposits | 62.1759% | 2,700 |
| Net loans and leases to core deposits | 63.4655% | 2,839 |
| Total domestic deposits to total assets | 89.9035% | 1,619 |
| Equity capital to assets | 8.1218% | 3,473 |
| Core capital (leverage) ratio | 9.4301% | 2,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6119% | 1,949 |
| Memoranda: | ||
| Average total assets | $1,019,216,000 | 960 |
| Average earning assets | $931,062,500 | 982 |
| Average equity | $90,667,000 | 1,080 |
| Average total loans | $598,733,000 | 1,022 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8001% | 1,866 |
| Cost of funding earning assets | 0.2903% | 2,505 |
| Net interest margin | 3.5098% | 1,703 |
| Noninterest income to average assets | 1.8418% | 356 |
| Noninterest expense to average assets | 2.6322% | 1,798 |
| Loan and lease loss provision to assets | 0.1523% | 789 |
| Net operating income to assets | 1.7089% | 620 |
| Return on assets (ROA) | 1.7156% | 633 |
| Pretax return on assets | 2.2193% | 398 |
| Return on Equity (ROE) | 18.8835% | 388 |
| Retained earnings to average equity (ytd only) | 18.8835% | 79 |
| Net charge-offs to loans | -0.0768% | 4,500 |
| Credit loss provision to net charge-offs | -341.6476% | 3,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6941% | 4,064 |
| Assets per employee ($millions) | 5.0616% | 3,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6416% | 1,173 |
| Loan loss allowance to noncurrent loans | 86.2487% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.1575% | 435 |
| Noncurrent loans to loans | 1.9033% | 418 |
| Net loans and leases to total assets | 59.8199% | 2,179 |
| Net loans and leases to deposits | 67.3445% | 2,372 |
| Net loans and leases to core deposits | 69.1376% | 2,536 |
| Total domestic deposits to total assets | 88.8268% | 1,606 |
| Equity capital to assets | 9.7367% | 2,903 |
| Core capital (leverage) ratio | 9.3355% | 3,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5385% | 1,675 |
| Memoranda: | ||
| Average total assets | $980,095,600 | 973 |
| Average earning assets | $880,592,800 | 998 |
| Average equity | $89,045,800 | 1,113 |
| Average total loans | $568,688,200 | 1,065 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8100% | 1,998 |
| Cost of funding earning assets | 0.2876% | 2,717 |
| Net interest margin | 3.5224% | 1,809 |
| Noninterest income to average assets | 2.1977% | 296 |
| Noninterest expense to average assets | 2.6436% | 1,722 |
| Loan and lease loss provision to assets | 0.1078% | 1,119 |
| Net operating income to assets | 1.9947% | 470 |
| Return on assets (ROA) | 2.0037% | 488 |
| Pretax return on assets | 2.6025% | 284 |
| Return on Equity (ROE) | 22.4548% | 277 |
| Retained earnings to average equity (ytd only) | 22.4548% | 81 |
| Net charge-offs to loans | -0.1031% | 4,622 |
| Credit loss provision to net charge-offs | -182.2989% | 3,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4835% | 4,266 |
| Assets per employee ($millions) | 5.1487% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 1,496 |
| Loan loss allowance to noncurrent loans | 148.2234% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.6052% | 1,265 |
| Noncurrent loans to loans | 1.0377% | 1,094 |
| Net loans and leases to total assets | 57.4192% | 2,571 |
| Net loans and leases to deposits | 64.3773% | 2,810 |
| Net loans and leases to core deposits | 65.9326% | 2,962 |
| Total domestic deposits to total assets | 89.1917% | 1,171 |
| Equity capital to assets | 9.2303% | 3,624 |
| Core capital (leverage) ratio | 9.2427% | 3,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9364% | 1,637 |
| Memoranda: | ||
| Average total assets | $980,895,250 | 985 |
| Average earning assets | $875,746,750 | 1,014 |
| Average equity | $87,527,750 | 1,141 |
| Average total loans | $562,327,250 | 1,091 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7541% | 2,189 |
| Cost of funding earning assets | 0.2913% | 2,862 |
| Net interest margin | 3.4628% | 1,968 |
| Noninterest income to average assets | 2.5192% | 241 |
| Noninterest expense to average assets | 2.4332% | 2,357 |
| Loan and lease loss provision to assets | 0.1221% | 1,032 |
| Net operating income to assets | 2.3172% | 276 |
| Return on assets (ROA) | 2.3298% | 289 |
| Pretax return on assets | 3.0364% | 183 |
| Return on Equity (ROE) | 26.4246% | 159 |
| Retained earnings to average equity (ytd only) | 26.4246% | 60 |
| Net charge-offs to loans | -0.0658% | 4,475 |
| Credit loss provision to net charge-offs | -325.8242% | 3,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6399% | 4,632 |
| Assets per employee ($millions) | 5.0415% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4987% | 1,595 |
| Loan loss allowance to noncurrent loans | 292.8815% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.2897% | 2,477 |
| Noncurrent loans to loans | 0.5117% | 2,142 |
| Net loans and leases to total assets | 55.7713% | 2,929 |
| Net loans and leases to deposits | 62.4719% | 3,154 |
| Net loans and leases to core deposits | 63.9536% | 3,290 |
| Total domestic deposits to total assets | 89.2741% | 1,156 |
| Equity capital to assets | 9.1281% | 3,677 |
| Core capital (leverage) ratio | 9.3742% | 3,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4899% | 1,473 |
| Memoranda: | ||
| Average total assets | $971,481,000 | 988 |
| Average earning assets | $857,458,333 | 1,027 |
| Average equity | $85,655,000 | 1,156 |
| Average total loans | $553,606,000 | 1,105 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8631% | 1,925 |
| Cost of funding earning assets | 0.2934% | 3,065 |
| Net interest margin | 3.5698% | 1,663 |
| Noninterest income to average assets | 0.8930% | 1,345 |
| Noninterest expense to average assets | 2.4331% | 2,388 |
| Loan and lease loss provision to assets | 0.2495% | 423 |
| Net operating income to assets | 1.0532% | 2,625 |
| Return on assets (ROA) | 1.0625% | 2,677 |
| Pretax return on assets | 1.3558% | 2,411 |
| Return on Equity (ROE) | 12.2822% | 1,916 |
| Retained earnings to average equity (ytd only) | 12.2822% | 1,082 |
| Net charge-offs to loans | -0.1457% | 4,724 |
| Credit loss provision to net charge-offs | -299.4949% | 3,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4243% | 2,982 |
| Assets per employee ($millions) | 4.5318% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 1,422 |
| Loan loss allowance to noncurrent loans | 292.0990% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.3174% | 2,557 |
| Noncurrent loans to loans | 0.5303% | 2,262 |
| Net loans and leases to total assets | 58.9332% | 2,685 |
| Net loans and leases to deposits | 65.4645% | 2,980 |
| Net loans and leases to core deposits | 67.2097% | 3,136 |
| Total domestic deposits to total assets | 90.0232% | 804 |
| Equity capital to assets | 8.8113% | 3,868 |
| Core capital (leverage) ratio | 9.1367% | 3,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6728% | 1,680 |
| Memoranda: | ||
| Average total assets | $950,548,500 | 992 |
| Average earning assets | $834,455,000 | 1,042 |
| Average equity | $82,233,000 | 1,183 |
| Average total loans | $543,531,500 | 1,122 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9587% | 2,857 |
| Cost of funding earning assets | 0.3764% | 3,730 |
| Net interest margin | 3.5823% | 2,203 |
| Noninterest income to average assets | 1.7406% | 413 |
| Noninterest expense to average assets | 2.7839% | 1,985 |
| Loan and lease loss provision to assets | 0.3288% | 1,099 |
| Net operating income to assets | 1.4137% | 990 |
| Return on assets (ROA) | 1.4338% | 1,032 |
| Pretax return on assets | 1.8340% | 633 |
| Return on Equity (ROE) | 15.5906% | 553 |
| Retained earnings to average equity (ytd only) | 15.5906% | 134 |
| Net charge-offs to loans | 0.0380% | 2,294 |
| Credit loss provision to net charge-offs | 1,428.2723% | 589 |
| Earnings coverage of net charge-offs (x) | 92.8534% | 826 |
| Efficiency ratio | 56.5691% | 3,910 |
| Assets per employee ($millions) | 4.9344% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 1,676 |
| Loan loss allowance to noncurrent loans | 245.6972% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.3437% | 2,615 |
| Noncurrent loans to loans | 0.5997% | 2,196 |
| Net loans and leases to total assets | 53.8151% | 3,502 |
| Net loans and leases to deposits | 59.7349% | 3,786 |
| Net loans and leases to core deposits | 61.2779% | 3,871 |
| Total domestic deposits to total assets | 90.0899% | 532 |
| Equity capital to assets | 8.4980% | 4,440 |
| Core capital (leverage) ratio | 8.9399% | 3,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1477% | 1,803 |
| Memoranda: | ||
| Average total assets | $829,759,800 | 1,026 |
| Average earning assets | $736,739,000 | 1,057 |
| Average equity | $76,308,800 | 1,204 |
| Average total loans | $502,446,400 | 1,134 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0517% | 2,819 |
| Cost of funding earning assets | 0.3991% | 3,810 |
| Net interest margin | 3.6526% | 2,095 |
| Noninterest income to average assets | 2.0653% | 309 |
| Noninterest expense to average assets | 2.8693% | 1,772 |
| Loan and lease loss provision to assets | 0.3051% | 1,322 |
| Net operating income to assets | 1.7004% | 572 |
| Return on assets (ROA) | 1.7292% | 603 |
| Pretax return on assets | 2.2169% | 333 |
| Return on Equity (ROE) | 18.3758% | 333 |
| Retained earnings to average equity (ytd only) | 18.3758% | 103 |
| Net charge-offs to loans | 0.0226% | 2,397 |
| Credit loss provision to net charge-offs | 2,163.0952% | 442 |
| Earnings coverage of net charge-offs (x) | 176.2500% | 533 |
| Efficiency ratio | 53.5835% | 4,196 |
| Assets per employee ($millions) | 4.3311% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 2,288 |
| Loan loss allowance to noncurrent loans | 210.7808% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.4409% | 2,422 |
| Noncurrent loans to loans | 0.6030% | 2,293 |
| Net loans and leases to total assets | 62.6257% | 2,928 |
| Net loans and leases to deposits | 70.3257% | 3,283 |
| Net loans and leases to core deposits | 72.4546% | 3,440 |
| Total domestic deposits to total assets | 89.0508% | 747 |
| Equity capital to assets | 9.2763% | 3,874 |
| Core capital (leverage) ratio | 8.9199% | 3,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1265% | 1,788 |
| Memoranda: | ||
| Average total assets | $794,181,500 | 1,050 |
| Average earning assets | $715,229,000 | 1,067 |
| Average equity | $74,734,250 | 1,214 |
| Average total loans | $495,321,750 | 1,136 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0624% | 3,149 |
| Cost of funding earning assets | 0.4287% | 3,905 |
| Net interest margin | 3.6338% | 2,364 |
| Noninterest income to average assets | 2.6785% | 196 |
| Noninterest expense to average assets | 2.9550% | 1,704 |
| Loan and lease loss provision to assets | 0.2602% | 1,628 |
| Net operating income to assets | 2.1252% | 251 |
| Return on assets (ROA) | 2.1696% | 254 |
| Pretax return on assets | 2.8010% | 142 |
| Return on Equity (ROE) | 22.9323% | 143 |
| Retained earnings to average equity (ytd only) | 22.9323% | 65 |
| Net charge-offs to loans | 0.0038% | 2,843 |
| Credit loss provision to net charge-offs | 11,111.1111% | 108 |
| Earnings coverage of net charge-offs (x) | 1,283.3333% | 67 |
| Efficiency ratio | 49.5809% | 4,523 |
| Assets per employee ($millions) | 4.2298% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 2,400 |
| Loan loss allowance to noncurrent loans | 161.8201% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.5557% | 2,142 |
| Noncurrent loans to loans | 0.7551% | 1,994 |
| Net loans and leases to total assets | 58.2334% | 3,494 |
| Net loans and leases to deposits | 65.2263% | 3,788 |
| Net loans and leases to core deposits | 67.7177% | 3,877 |
| Total domestic deposits to total assets | 89.2791% | 650 |
| Equity capital to assets | 8.9891% | 4,101 |
| Core capital (leverage) ratio | 9.3570% | 3,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1285% | 1,752 |
| Memoranda: | ||
| Average total assets | $768,722,000 | 1,060 |
| Average earning assets | $694,212,000 | 1,087 |
| Average equity | $72,727,000 | 1,228 |
| Average total loans | $476,358,000 | 1,161 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4435% | 2,466 |
| Cost of funding earning assets | 0.4848% | 4,010 |
| Net interest margin | 3.9587% | 1,501 |
| Noninterest income to average assets | 1.4441% | 428 |
| Noninterest expense to average assets | 3.1028% | 1,631 |
| Loan and lease loss provision to assets | 0.3903% | 782 |
| Net operating income to assets | 1.2063% | 1,495 |
| Return on assets (ROA) | 1.2974% | 1,346 |
| Pretax return on assets | 1.6359% | 980 |
| Return on Equity (ROE) | 13.3109% | 825 |
| Retained earnings to average equity (ytd only) | 13.3109% | 297 |
| Net charge-offs to loans | 0.0017% | 2,536 |
| Credit loss provision to net charge-offs | 35,000.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 1,713.5000% | 19 |
| Efficiency ratio | 61.8883% | 3,511 |
| Assets per employee ($millions) | 3.4773% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 2,157 |
| Loan loss allowance to noncurrent loans | 181.1932% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6064% | 2,184 |
| Noncurrent loans to loans | 0.7173% | 2,206 |
| Net loans and leases to total assets | 62.8155% | 3,216 |
| Net loans and leases to deposits | 71.3602% | 3,491 |
| Net loans and leases to core deposits | 74.8824% | 3,575 |
| Total domestic deposits to total assets | 88.0260% | 1,097 |
| Equity capital to assets | 9.9163% | 3,869 |
| Core capital (leverage) ratio | 9.7083% | 3,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9034% | 1,941 |
| Memoranda: | ||
| Average total assets | $717,411,500 | 1,090 |
| Average earning assets | $646,878,500 | 1,113 |
| Average equity | $69,927,500 | 1,258 |
| Average total loans | $457,692,000 | 1,166 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6091% | 2,574 |
| Cost of funding earning assets | 0.4580% | 4,245 |
| Net interest margin | 4.1511% | 1,420 |
| Noninterest income to average assets | 1.3060% | 556 |
| Noninterest expense to average assets | 3.0825% | 1,803 |
| Loan and lease loss provision to assets | 0.2502% | 731 |
| Net operating income to assets | 1.3550% | 1,490 |
| Return on assets (ROA) | 1.3689% | 1,530 |
| Pretax return on assets | 1.7453% | 1,076 |
| Return on Equity (ROE) | 14.8952% | 705 |
| Retained earnings to average equity (ytd only) | 10.0538% | 474 |
| Net charge-offs to loans | 0.1838% | 1,094 |
| Credit loss provision to net charge-offs | 213.0051% | 1,241 |
| Earnings coverage of net charge-offs (x) | 16.8396% | 2,140 |
| Efficiency ratio | 60.9138% | 3,550 |
| Assets per employee ($millions) | 3.5756% | 4,398 |
| Cash dividends to net income (ytd only)* | 32.5027% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 2,631 |
| Loan loss allowance to noncurrent loans | 231.6389% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.4731% | 2,516 |
| Noncurrent loans to loans | 0.5015% | 2,682 |
| Net loans and leases to total assets | 63.2123% | 3,292 |
| Net loans and leases to deposits | 71.6514% | 3,545 |
| Net loans and leases to core deposits | 75.9305% | 3,580 |
| Total domestic deposits to total assets | 88.2220% | 1,023 |
| Equity capital to assets | 9.5753% | 4,291 |
| Core capital (leverage) ratio | 9.5970% | 3,964 |
| Tier 1 risk-based capital ratio | 13.1579% | 3,711 |
| Total risk-based capital ratio | 14.1870% | 3,698 |
| Memoranda: | ||
| Average total assets | $674,281,200 | 1,114 |
| Average earning assets | $609,855,800 | 1,126 |
| Average equity | $61,966,400 | 1,351 |
| Average total loans | $430,974,200 | 1,197 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5799% | 2,789 |
| Cost of funding earning assets | 0.4434% | 4,352 |
| Net interest margin | 4.1365% | 1,535 |
| Noninterest income to average assets | 1.1471% | 695 |
| Noninterest expense to average assets | 3.0268% | 1,905 |
| Loan and lease loss provision to assets | 0.1598% | 1,176 |
| Net operating income to assets | 1.3317% | 1,717 |
| Return on assets (ROA) | 1.3504% | 1,709 |
| Pretax return on assets | 1.7215% | 1,278 |
| Return on Equity (ROE) | 14.8610% | 805 |
| Retained earnings to average equity (ytd only) | 8.7930% | 1,101 |
| Net charge-offs to loans | 0.1214% | 1,287 |
| Credit loss provision to net charge-offs | 205.9432% | 1,279 |
| Earnings coverage of net charge-offs (x) | 23.9404% | 1,816 |
| Efficiency ratio | 61.9679% | 3,329 |
| Assets per employee ($millions) | 3.5858% | 4,411 |
| Cash dividends to net income (ytd only)* | 40.8315% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 3,169 |
| Loan loss allowance to noncurrent loans | 182.7941% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.6352% | 2,097 |
| Noncurrent loans to loans | 0.5861% | 2,530 |
| Net loans and leases to total assets | 64.0708% | 3,281 |
| Net loans and leases to deposits | 71.9530% | 3,616 |
| Net loans and leases to core deposits | 76.3490% | 3,674 |
| Total domestic deposits to total assets | 89.0454% | 594 |
| Equity capital to assets | 9.2345% | 4,644 |
| Core capital (leverage) ratio | 9.2897% | 4,378 |
| Tier 1 risk-based capital ratio | 12.5969% | 4,087 |
| Total risk-based capital ratio | 13.5565% | 4,135 |
| Memoranda: | ||
| Average total assets | $664,966,500 | 1,123 |
| Average earning assets | $600,811,250 | 1,142 |
| Average equity | $60,425,000 | 1,376 |
| Average total loans | $424,951,000 | 1,216 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5195% | 2,955 |
| Cost of funding earning assets | 0.4206% | 4,431 |
| Net interest margin | 4.0990% | 1,607 |
| Noninterest income to average assets | 1.0586% | 768 |
| Noninterest expense to average assets | 3.0268% | 1,923 |
| Loan and lease loss provision to assets | 0.1314% | 1,424 |
| Net operating income to assets | 1.2550% | 1,936 |
| Return on assets (ROA) | 1.2538% | 1,999 |
| Pretax return on assets | 1.6017% | 1,544 |
| Return on Equity (ROE) | 13.8770% | 1,011 |
| Retained earnings to average equity (ytd only) | 5.4401% | 2,546 |
| Net charge-offs to loans | 0.0901% | 1,464 |
| Credit loss provision to net charge-offs | 229.2553% | 1,095 |
| Earnings coverage of net charge-offs (x) | 30.2606% | 1,452 |
| Efficiency ratio | 63.5694% | 3,205 |
| Assets per employee ($millions) | 3.3981% | 4,607 |
| Cash dividends to net income (ytd only)* | 60.7977% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 3,178 |
| Loan loss allowance to noncurrent loans | 117.4651% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.8223% | 1,711 |
| Noncurrent loans to loans | 0.9192% | 1,784 |
| Net loans and leases to total assets | 64.3986% | 3,297 |
| Net loans and leases to deposits | 71.8113% | 3,705 |
| Net loans and leases to core deposits | 75.3330% | 3,784 |
| Total domestic deposits to total assets | 89.6775% | 423 |
| Equity capital to assets | 9.2032% | 4,650 |
| Core capital (leverage) ratio | 9.0357% | 4,602 |
| Tier 1 risk-based capital ratio | 12.4581% | 4,151 |
| Total risk-based capital ratio | 13.4160% | 4,211 |
| Memoranda: | ||
| Average total assets | $655,933,000 | 1,136 |
| Average earning assets | $592,540,330 | 1,156 |
| Average equity | $59,263,670 | 1,387 |
| Average total loans | $417,196,330 | 1,230 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3991% | 3,231 |
| Cost of funding earning assets | 0.3914% | 4,522 |
| Net interest margin | 4.0077% | 1,836 |
| Noninterest income to average assets | 1.0179% | 767 |
| Noninterest expense to average assets | 2.9186% | 2,225 |
| Loan and lease loss provision to assets | 0.1681% | 998 |
| Net operating income to assets | 1.2147% | 2,005 |
| Return on assets (ROA) | 1.2123% | 2,059 |
| Pretax return on assets | 1.5400% | 1,641 |
| Return on Equity (ROE) | 13.5451% | 1,071 |
| Retained earnings to average equity (ytd only) | -1.8238% | 4,730 |
| Net charge-offs to loans | -0.0126% | 4,319 |
| Credit loss provision to net charge-offs | -2,115.3846% | 4,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0397% | 3,377 |
| Assets per employee ($millions) | 3.5676% | 4,501 |
| Cash dividends to net income (ytd only)* | 113.4644% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 2,946 |
| Loan loss allowance to noncurrent loans | 125.9828% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.7107% | 1,977 |
| Noncurrent loans to loans | 0.9000% | 1,856 |
| Net loans and leases to total assets | 60.8295% | 3,621 |
| Net loans and leases to deposits | 67.0822% | 3,977 |
| Net loans and leases to core deposits | 70.0880% | 4,078 |
| Total domestic deposits to total assets | 90.6792% | 233 |
| Equity capital to assets | 8.8381% | 4,797 |
| Core capital (leverage) ratio | 9.2118% | 4,461 |
| Tier 1 risk-based capital ratio | 12.9944% | 3,879 |
| Total risk-based capital ratio | 14.0013% | 3,905 |
| Memoranda: | ||
| Average total assets | $654,279,000 | 1,148 |
| Average earning assets | $589,668,500 | 1,169 |
| Average equity | $58,560,000 | 1,398 |
| Average total loans | $411,206,500 | 1,258 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2688% | 3,219 |
| Cost of funding earning assets | 0.3395% | 4,351 |
| Net interest margin | 3.9293% | 2,230 |
| Noninterest income to average assets | 1.6626% | 348 |
| Noninterest expense to average assets | 3.0541% | 1,910 |
| Loan and lease loss provision to assets | 0.1804% | 1,089 |
| Net operating income to assets | 1.5278% | 1,048 |
| Return on assets (ROA) | 1.5174% | 1,057 |
| Pretax return on assets | 1.9537% | 620 |
| Return on Equity (ROE) | 17.5879% | 430 |
| Retained earnings to average equity (ytd only) | 14.8080% | 125 |
| Net charge-offs to loans | 0.2682% | 718 |
| Credit loss provision to net charge-offs | 109.6210% | 2,348 |
| Earnings coverage of net charge-offs (x) | 13.0505% | 2,486 |
| Efficiency ratio | 58.7181% | 4,046 |
| Assets per employee ($millions) | 3.0814% | 4,940 |
| Cash dividends to net income (ytd only)* | 15.8061% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 3,264 |
| Loan loss allowance to noncurrent loans | 104.1015% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.8922% | 1,560 |
| Noncurrent loans to loans | 1.0294% | 1,594 |
| Net loans and leases to total assets | 63.5501% | 3,400 |
| Net loans and leases to deposits | 70.2577% | 3,808 |
| Net loans and leases to core deposits | 73.2742% | 3,904 |
| Total domestic deposits to total assets | 90.4529% | 337 |
| Equity capital to assets | 9.0683% | 4,525 |
| Core capital (leverage) ratio | 9.4456% | 4,178 |
| Tier 1 risk-based capital ratio | 13.0827% | 3,796 |
| Total risk-based capital ratio | 14.0304% | 3,853 |
| Memoranda: | ||
| Average total assets | $625,414,800 | 1,161 |
| Average earning assets | $563,250,200 | 1,198 |
| Average equity | $53,957,400 | 1,427 |
| Average total loans | $383,737,200 | 1,298 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1857% | 3,368 |
| Cost of funding earning assets | 0.3248% | 4,353 |
| Net interest margin | 3.8608% | 2,431 |
| Noninterest income to average assets | 1.8878% | 302 |
| Noninterest expense to average assets | 3.0229% | 1,944 |
| Loan and lease loss provision to assets | 0.1688% | 1,111 |
| Net operating income to assets | 1.6821% | 780 |
| Return on assets (ROA) | 1.6821% | 779 |
| Pretax return on assets | 2.1744% | 413 |
| Return on Equity (ROE) | 19.7557% | 289 |
| Retained earnings to average equity (ytd only) | 17.3953% | 98 |
| Net charge-offs to loans | 0.2972% | 557 |
| Credit loss provision to net charge-offs | 93.6980% | 2,377 |
| Earnings coverage of net charge-offs (x) | 13.0047% | 2,404 |
| Efficiency ratio | 56.3323% | 4,341 |
| Assets per employee ($millions) | 3.0212% | 5,022 |
| Cash dividends to net income (ytd only)* | 11.9476% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 3,483 |
| Loan loss allowance to noncurrent loans | 97.2911% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.9697% | 1,501 |
| Noncurrent loans to loans | 1.0762% | 1,583 |
| Net loans and leases to total assets | 63.4301% | 3,493 |
| Net loans and leases to deposits | 70.0241% | 3,916 |
| Net loans and leases to core deposits | 72.9456% | 4,015 |
| Total domestic deposits to total assets | 90.5832% | 318 |
| Equity capital to assets | 8.7484% | 4,763 |
| Core capital (leverage) ratio | 9.2412% | 4,472 |
| Tier 1 risk-based capital ratio | 12.9974% | 3,908 |
| Total risk-based capital ratio | 13.9226% | 3,996 |
| Memoranda: | ||
| Average total assets | $622,304,500 | 1,168 |
| Average earning assets | $560,662,500 | 1,201 |
| Average equity | $52,986,000 | 1,451 |
| Average total loans | $377,234,250 | 1,319 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1361% | 3,329 |
| Cost of funding earning assets | 0.3106% | 4,347 |
| Net interest margin | 3.8255% | 2,478 |
| Noninterest income to average assets | 2.2511% | 236 |
| Noninterest expense to average assets | 2.9742% | 2,122 |
| Loan and lease loss provision to assets | 0.1899% | 920 |
| Net operating income to assets | 1.9504% | 421 |
| Return on assets (ROA) | 1.9504% | 418 |
| Pretax return on assets | 2.5320% | 215 |
| Return on Equity (ROE) | 23.1226% | 125 |
| Retained earnings to average equity (ytd only) | 21.6867% | 50 |
| Net charge-offs to loans | 0.4271% | 362 |
| Credit loss provision to net charge-offs | 74.8092% | 2,310 |
| Earnings coverage of net charge-offs (x) | 10.7226% | 2,316 |
| Efficiency ratio | 52.2141% | 4,867 |
| Assets per employee ($millions) | 3.3584% | 4,764 |
| Cash dividends to net income (ytd only)* | 6.2096% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 3,576 |
| Loan loss allowance to noncurrent loans | 104.5733% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.8574% | 1,742 |
| Noncurrent loans to loans | 0.9973% | 1,754 |
| Net loans and leases to total assets | 59.6070% | 3,842 |
| Net loans and leases to deposits | 65.5935% | 4,187 |
| Net loans and leases to core deposits | 67.7607% | 4,268 |
| Total domestic deposits to total assets | 90.8734% | 283 |
| Equity capital to assets | 8.3914% | 5,021 |
| Core capital (leverage) ratio | 9.1174% | 4,564 |
| Tier 1 risk-based capital ratio | 12.9857% | 3,902 |
| Total risk-based capital ratio | 13.8977% | 3,995 |
| Memoranda: | ||
| Average total assets | $619,263,670 | 1,174 |
| Average earning assets | $557,675,000 | 1,205 |
| Average equity | $52,234,670 | 1,464 |
| Average total loans | $368,061,330 | 1,344 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0103% | 3,568 |
| Cost of funding earning assets | 0.2959% | 4,382 |
| Net interest margin | 3.7144% | 2,748 |
| Noninterest income to average assets | 0.9643% | 992 |
| Noninterest expense to average assets | 2.9115% | 2,320 |
| Loan and lease loss provision to assets | 0.1247% | 1,510 |
| Net operating income to assets | 1.0101% | 2,821 |
| Return on assets (ROA) | 1.0101% | 2,841 |
| Pretax return on assets | 1.2747% | 2,461 |
| Return on Equity (ROE) | 11.9414% | 1,597 |
| Retained earnings to average equity (ytd only) | 11.9414% | 690 |
| Net charge-offs to loans | 0.7497% | 194 |
| Credit loss provision to net charge-offs | 28.1859% | 2,084 |
| Earnings coverage of net charge-offs (x) | 3.1634% | 2,409 |
| Efficiency ratio | 67.5385% | 2,908 |
| Assets per employee ($millions) | 3.3649% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 3,674 |
| Loan loss allowance to noncurrent loans | 71.1194% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.1149% | 1,388 |
| Noncurrent loans to loans | 1.4733% | 1,203 |
| Net loans and leases to total assets | 59.1086% | 3,840 |
| Net loans and leases to deposits | 65.0430% | 4,150 |
| Net loans and leases to core deposits | 67.5358% | 4,238 |
| Total domestic deposits to total assets | 90.8762% | 360 |
| Equity capital to assets | 8.3771% | 5,061 |
| Core capital (leverage) ratio | 8.9910% | 4,685 |
| Tier 1 risk-based capital ratio | 12.8394% | 4,041 |
| Total risk-based capital ratio | 13.7433% | 4,150 |
| Memoranda: | ||
| Average total assets | $603,135,000 | 1,210 |
| Average earning assets | $543,401,500 | 1,240 |
| Average equity | $51,016,000 | 1,506 |
| Average total loans | $355,869,500 | 1,378 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9809% | 3,467 |
| Cost of funding earning assets | 0.2953% | 4,186 |
| Net interest margin | 3.6857% | 2,853 |
| Noninterest income to average assets | 0.9868% | 1,052 |
| Noninterest expense to average assets | 2.9979% | 2,173 |
| Loan and lease loss provision to assets | 0.0657% | 2,896 |
| Net operating income to assets | 0.6769% | 3,695 |
| Return on assets (ROA) | 0.6831% | 3,721 |
| Pretax return on assets | 1.2323% | 2,626 |
| Return on Equity (ROE) | 7.9744% | 2,807 |
| Retained earnings to average equity (ytd only) | 4.9728% | 2,145 |
| Net charge-offs to loans | 0.0012% | 4,081 |
| Credit loss provision to net charge-offs | 9,575.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 1,879.0000% | 34 |
| Efficiency ratio | 69.9420% | 2,560 |
| Assets per employee ($millions) | 3.2815% | 4,955 |
| Cash dividends to net income (ytd only)* | 37.6412% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 2,578 |
| Loan loss allowance to noncurrent loans | 79.1259% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.1476% | 1,299 |
| Noncurrent loans to loans | 1.5586% | 1,086 |
| Net loans and leases to total assets | 57.5392% | 4,056 |
| Net loans and leases to deposits | 63.6127% | 4,341 |
| Net loans and leases to core deposits | 66.0409% | 4,407 |
| Total domestic deposits to total assets | 90.4524% | 410 |
| Equity capital to assets | 8.5415% | 5,092 |
| Core capital (leverage) ratio | 8.7153% | 4,935 |
| Tier 1 risk-based capital ratio | 13.3508% | 3,717 |
| Total risk-based capital ratio | 14.4394% | 3,719 |
| Memoranda: | ||
| Average total assets | $583,379,200 | 1,229 |
| Average earning assets | $522,241,400 | 1,252 |
| Average equity | $49,972,200 | 1,520 |
| Average total loans | $334,193,400 | 1,434 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9615% | 3,484 |
| Cost of funding earning assets | 0.2911% | 4,219 |
| Net interest margin | 3.6704% | 2,863 |
| Noninterest income to average assets | 1.0921% | 853 |
| Noninterest expense to average assets | 2.9725% | 2,185 |
| Loan and lease loss provision to assets | 0.0881% | 2,322 |
| Net operating income to assets | 0.9112% | 2,970 |
| Return on assets (ROA) | 0.9201% | 2,989 |
| Pretax return on assets | 1.3261% | 2,379 |
| Return on Equity (ROE) | 10.7335% | 1,810 |
| Retained earnings to average equity (ytd only) | 7.7162% | 1,339 |
| Net charge-offs to loans | -0.0028% | 4,358 |
| Credit loss provision to net charge-offs | -5,471.4286% | 5,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9615% | 2,881 |
| Assets per employee ($millions) | 3.1905% | 5,080 |
| Cash dividends to net income (ytd only)* | 28.1109% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 2,785 |
| Loan loss allowance to noncurrent loans | 177.8421% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 1.0016% | 1,699 |
| Noncurrent loans to loans | 0.6877% | 2,644 |
| Net loans and leases to total assets | 58.5475% | 4,012 |
| Net loans and leases to deposits | 64.7197% | 4,338 |
| Net loans and leases to core deposits | 67.1894% | 4,410 |
| Total domestic deposits to total assets | 90.4631% | 339 |
| Equity capital to assets | 8.7075% | 5,141 |
| Core capital (leverage) ratio | 8.7185% | 5,041 |
| Tier 1 risk-based capital ratio | 13.2436% | 3,850 |
| Total risk-based capital ratio | 14.3487% | 3,855 |
| Memoranda: | ||
| Average total assets | $579,917,000 | 1,241 |
| Average earning assets | $518,507,250 | 1,272 |
| Average equity | $49,712,250 | 1,539 |
| Average total loans | $330,759,000 | 1,453 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9048% | 3,535 |
| Cost of funding earning assets | 0.2833% | 4,249 |
| Net interest margin | 3.6215% | 2,944 |
| Noninterest income to average assets | 1.0758% | 870 |
| Noninterest expense to average assets | 2.9363% | 2,305 |
| Loan and lease loss provision to assets | 0.1192% | 1,725 |
| Net operating income to assets | 0.8709% | 3,067 |
| Return on assets (ROA) | 0.8860% | 3,045 |
| Pretax return on assets | 1.2721% | 2,491 |
| Return on Equity (ROE) | 10.3916% | 1,884 |
| Retained earnings to average equity (ytd only) | 7.3341% | 1,434 |
| Net charge-offs to loans | -0.0117% | 4,590 |
| Credit loss provision to net charge-offs | -1,805.2632% | 4,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1895% | 2,976 |
| Assets per employee ($millions) | 3.2369% | 5,051 |
| Cash dividends to net income (ytd only)* | 29.4233% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 2,880 |
| Loan loss allowance to noncurrent loans | 136.7242% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 1.1373% | 1,519 |
| Noncurrent loans to loans | 0.8939% | 2,188 |
| Net loans and leases to total assets | 57.9969% | 4,036 |
| Net loans and leases to deposits | 63.8686% | 4,376 |
| Net loans and leases to core deposits | 66.0381% | 4,465 |
| Total domestic deposits to total assets | 90.8067% | 268 |
| Equity capital to assets | 8.4718% | 5,324 |
| Core capital (leverage) ratio | 8.5924% | 5,148 |
| Tier 1 risk-based capital ratio | 12.8403% | 4,095 |
| Total risk-based capital ratio | 13.9266% | 4,109 |
| Memoranda: | ||
| Average total assets | $575,411,670 | 1,257 |
| Average earning assets | $513,262,000 | 1,291 |
| Average equity | $49,058,670 | 1,556 |
| Average total loans | $323,764,670 | 1,481 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8288% | 3,658 |
| Cost of funding earning assets | 0.2784% | 4,267 |
| Net interest margin | 3.5504% | 3,085 |
| Noninterest income to average assets | 0.9941% | 1,017 |
| Noninterest expense to average assets | 2.9958% | 2,172 |
| Loan and lease loss provision to assets | 0.0948% | 1,959 |
| Net operating income to assets | 0.7524% | 3,465 |
| Return on assets (ROA) | 0.7790% | 3,374 |
| Pretax return on assets | 1.0996% | 2,989 |
| Return on Equity (ROE) | 9.1069% | 2,358 |
| Retained earnings to average equity (ytd only) | 6.0051% | 2,332 |
| Net charge-offs to loans | 0.0039% | 2,841 |
| Credit loss provision to net charge-offs | 4,466.6667% | 69 |
| Earnings coverage of net charge-offs (x) | 545.0000% | 104 |
| Efficiency ratio | 72.1418% | 2,545 |
| Assets per employee ($millions) | 3.1446% | 5,231 |
| Cash dividends to net income (ytd only)* | 34.0599% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,785 |
| Loan loss allowance to noncurrent loans | 82.6789% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.5347% | 1,031 |
| Noncurrent loans to loans | 1.5184% | 1,307 |
| Net loans and leases to total assets | 55.5638% | 4,204 |
| Net loans and leases to deposits | 61.1834% | 4,483 |
| Net loans and leases to core deposits | 63.3969% | 4,572 |
| Total domestic deposits to total assets | 90.8151% | 357 |
| Equity capital to assets | 8.5328% | 5,216 |
| Core capital (leverage) ratio | 8.6860% | 5,065 |
| Tier 1 risk-based capital ratio | 13.3464% | 3,860 |
| Total risk-based capital ratio | 14.4372% | 3,878 |
| Memoranda: | ||
| Average total assets | $565,319,000 | 1,274 |
| Average earning assets | $502,931,500 | 1,310 |
| Average equity | $48,359,000 | 1,576 |
| Average total loans | $310,796,000 | 1,527 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7979% | 3,922 |
| Cost of funding earning assets | 0.2892% | 4,181 |
| Net interest margin | 3.5087% | 3,392 |
| Noninterest income to average assets | 0.9976% | 1,158 |
| Noninterest expense to average assets | 3.1110% | 2,001 |
| Loan and lease loss provision to assets | 0.0362% | 3,641 |
| Net operating income to assets | 0.6634% | 3,936 |
| Return on assets (ROA) | 0.6941% | 3,918 |
| Pretax return on assets | 1.0070% | 3,452 |
| Return on Equity (ROE) | 7.2979% | 3,316 |
| Retained earnings to average equity (ytd only) | -4.3288% | 5,651 |
| Net charge-offs to loans | 0.0371% | 3,283 |
| Credit loss provision to net charge-offs | 181.8182% | 1,542 |
| Earnings coverage of net charge-offs (x) | 50.1182% | 1,005 |
| Efficiency ratio | 75.6997% | 2,028 |
| Assets per employee ($millions) | 3.0847% | 5,283 |
| Cash dividends to net income (ytd only)* | 159.3163% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 2,514 |
| Loan loss allowance to noncurrent loans | 109.7951% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.3186% | 1,327 |
| Noncurrent loans to loans | 1.1894% | 1,724 |
| Net loans and leases to total assets | 52.9510% | 4,531 |
| Net loans and leases to deposits | 58.3045% | 4,768 |
| Net loans and leases to core deposits | 59.5555% | 4,882 |
| Total domestic deposits to total assets | 90.8179% | 336 |
| Equity capital to assets | 8.5763% | 5,211 |
| Core capital (leverage) ratio | 8.5133% | 5,248 |
| Tier 1 risk-based capital ratio | 14.0734% | 3,424 |
| Total risk-based capital ratio | 15.2016% | 3,407 |
| Memoranda: | ||
| Average total assets | $552,045,200 | 1,256 |
| Average earning assets | $489,638,200 | 1,293 |
| Average equity | $52,508,600 | 1,466 |
| Average total loans | $296,842,000 | 1,535 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7740% | 4,003 |
| Cost of funding earning assets | 0.2895% | 4,215 |
| Net interest margin | 3.4845% | 3,528 |
| Noninterest income to average assets | 1.0006% | 1,147 |
| Noninterest expense to average assets | 3.1228% | 1,968 |
| Loan and lease loss provision to assets | 0.0484% | 3,282 |
| Net operating income to assets | 0.6406% | 4,122 |
| Return on assets (ROA) | 0.6823% | 4,076 |
| Pretax return on assets | 0.9766% | 3,713 |
| Return on Equity (ROE) | 6.9988% | 3,560 |
| Retained earnings to average equity (ytd only) | 5.6572% | 2,392 |
| Net charge-offs to loans | -0.0225% | 5,048 |
| Credit loss provision to net charge-offs | -400.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3849% | 1,922 |
| Assets per employee ($millions) | 3.1901% | 5,195 |
| Cash dividends to net income (ytd only)* | 19.1693% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 2,498 |
| Loan loss allowance to noncurrent loans | 254.9781% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.9577% | 2,164 |
| Noncurrent loans to loans | 0.5249% | 3,420 |
| Net loans and leases to total assets | 52.5729% | 4,607 |
| Net loans and leases to deposits | 58.5452% | 4,845 |
| Net loans and leases to core deposits | 59.9888% | 4,933 |
| Total domestic deposits to total assets | 89.7989% | 558 |
| Equity capital to assets | 9.6327% | 4,530 |
| Core capital (leverage) ratio | 9.5732% | 4,091 |
| Tier 1 risk-based capital ratio | 15.5023% | 2,829 |
| Total risk-based capital ratio | 16.6845% | 2,789 |
| Memoranda: | ||
| Average total assets | $550,474,500 | 1,261 |
| Average earning assets | $487,786,250 | 1,302 |
| Average equity | $53,664,750 | 1,438 |
| Average total loans | $296,164,500 | 1,538 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7913% | 3,985 |
| Cost of funding earning assets | 0.2919% | 4,227 |
| Net interest margin | 3.4994% | 3,496 |
| Noninterest income to average assets | 0.9665% | 1,201 |
| Noninterest expense to average assets | 3.1938% | 1,824 |
| Loan and lease loss provision to assets | 0.0736% | 2,670 |
| Net operating income to assets | 0.5548% | 4,464 |
| Return on assets (ROA) | 0.6070% | 4,364 |
| Pretax return on assets | 0.8598% | 4,081 |
| Return on Equity (ROE) | 6.2009% | 3,962 |
| Retained earnings to average equity (ytd only) | 4.6601% | 2,942 |
| Net charge-offs to loans | -0.0239% | 5,025 |
| Credit loss provision to net charge-offs | -571.4286% | 4,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7893% | 1,680 |
| Assets per employee ($millions) | 3.0739% | 5,351 |
| Cash dividends to net income (ytd only)* | 24.8485% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 2,488 |
| Loan loss allowance to noncurrent loans | 264.8172% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 1.0345% | 2,061 |
| Noncurrent loans to loans | 0.5135% | 3,546 |
| Net loans and leases to total assets | 53.4884% | 4,554 |
| Net loans and leases to deposits | 59.7259% | 4,812 |
| Net loans and leases to core deposits | 61.3233% | 4,914 |
| Total domestic deposits to total assets | 89.5565% | 655 |
| Equity capital to assets | 9.8687% | 4,369 |
| Core capital (leverage) ratio | 9.6215% | 4,035 |
| Tier 1 risk-based capital ratio | 15.3787% | 2,913 |
| Total risk-based capital ratio | 16.5694% | 2,868 |
| Memoranda: | ||
| Average total assets | $543,624,000 | 1,279 |
| Average earning assets | $479,573,670 | 1,328 |
| Average equity | $53,218,000 | 1,449 |
| Average total loans | $293,460,330 | 1,552 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7557% | 4,122 |
| Cost of funding earning assets | 0.2891% | 4,288 |
| Net interest margin | 3.4666% | 3,598 |
| Noninterest income to average assets | 0.9498% | 1,186 |
| Noninterest expense to average assets | 3.2411% | 1,736 |
| Loan and lease loss provision to assets | 0.0555% | 2,835 |
| Net operating income to assets | 0.5054% | 4,611 |
| Return on assets (ROA) | 0.5352% | 4,593 |
| Pretax return on assets | 0.7484% | 4,369 |
| Return on Equity (ROE) | 5.4901% | 4,232 |
| Retained earnings to average equity (ytd only) | 4.4270% | 3,270 |
| Net charge-offs to loans | 0.3148% | 693 |
| Credit loss provision to net charge-offs | 32.7511% | 2,202 |
| Earnings coverage of net charge-offs (x) | 4.4978% | 2,426 |
| Efficiency ratio | 80.9541% | 1,487 |
| Assets per employee ($millions) | 3.2401% | 5,209 |
| Cash dividends to net income (ytd only)* | 19.3638% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 3,173 |
| Loan loss allowance to noncurrent loans | 292.5040% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 1.1964% | 1,828 |
| Noncurrent loans to loans | 0.4277% | 3,912 |
| Net loans and leases to total assets | 52.5605% | 4,572 |
| Net loans and leases to deposits | 58.5506% | 4,815 |
| Net loans and leases to core deposits | 60.2079% | 4,926 |
| Total domestic deposits to total assets | 89.7693% | 699 |
| Equity capital to assets | 9.6763% | 4,474 |
| Core capital (leverage) ratio | 9.5228% | 4,154 |
| Tier 1 risk-based capital ratio | 15.5804% | 2,872 |
| Total risk-based capital ratio | 16.6850% | 2,889 |
| Memoranda: | ||
| Average total assets | $540,317,500 | 1,287 |
| Average earning assets | $475,965,000 | 1,331 |
| Average equity | $52,676,500 | 1,461 |
| Average total loans | $291,005,500 | 1,557 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8865% | 3,756 |
| Cost of funding earning assets | 0.3128% | 4,100 |
| Net interest margin | 3.5737% | 3,233 |
| Noninterest income to average assets | 1.0550% | 1,061 |
| Noninterest expense to average assets | 3.2822% | 1,756 |
| Loan and lease loss provision to assets | 0.0579% | 3,155 |
| Net operating income to assets | 0.5813% | 4,376 |
| Return on assets (ROA) | 0.5989% | 4,376 |
| Pretax return on assets | 0.8548% | 4,003 |
| Return on Equity (ROE) | 5.9429% | 4,057 |
| Retained earnings to average equity (ytd only) | 3.7905% | 3,334 |
| Net charge-offs to loans | 0.0431% | 3,354 |
| Credit loss provision to net charge-offs | 245.8333% | 1,168 |
| Earnings coverage of net charge-offs (x) | 37.6833% | 1,228 |
| Efficiency ratio | 78.7140% | 1,857 |
| Assets per employee ($millions) | 2.9765% | 5,539 |
| Cash dividends to net income (ytd only)* | 36.2176% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 2,781 |
| Loan loss allowance to noncurrent loans | 257.3737% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 1.4750% | 1,383 |
| Noncurrent loans to loans | 0.5141% | 3,637 |
| Net loans and leases to total assets | 53.7938% | 4,528 |
| Net loans and leases to deposits | 60.0593% | 4,773 |
| Net loans and leases to core deposits | 62.0055% | 4,875 |
| Total domestic deposits to total assets | 89.5678% | 817 |
| Equity capital to assets | 9.8250% | 4,165 |
| Core capital (leverage) ratio | 9.4285% | 4,281 |
| Tier 1 risk-based capital ratio | 15.4452% | 2,956 |
| Total risk-based capital ratio | 16.6043% | 2,947 |
| Memoranda: | ||
| Average total assets | $509,472,400 | 1,320 |
| Average earning assets | $444,049,400 | 1,397 |
| Average equity | $51,338,200 | 1,445 |
| Average total loans | $278,705,200 | 1,572 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8904% | 3,767 |
| Cost of funding earning assets | 0.3150% | 4,169 |
| Net interest margin | 3.5754% | 3,256 |
| Noninterest income to average assets | 1.0888% | 1,014 |
| Noninterest expense to average assets | 3.2839% | 1,728 |
| Loan and lease loss provision to assets | 0.0608% | 2,966 |
| Net operating income to assets | 0.6077% | 4,347 |
| Return on assets (ROA) | 0.6299% | 4,349 |
| Pretax return on assets | 0.8966% | 3,992 |
| Return on Equity (ROE) | 6.2105% | 4,049 |
| Retained earnings to average equity (ytd only) | 4.8032% | 3,051 |
| Net charge-offs to loans | 0.0406% | 3,077 |
| Credit loss provision to net charge-offs | 273.8095% | 1,057 |
| Earnings coverage of net charge-offs (x) | 41.6895% | 1,201 |
| Efficiency ratio | 78.0094% | 1,940 |
| Assets per employee ($millions) | 2.8852% | 5,672 |
| Cash dividends to net income (ytd only)* | 22.6605% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 3,159 |
| Loan loss allowance to noncurrent loans | 278.4875% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 1.5840% | 1,410 |
| Noncurrent loans to loans | 0.4628% | 3,970 |
| Net loans and leases to total assets | 57.5337% | 4,195 |
| Net loans and leases to deposits | 64.7120% | 4,497 |
| Net loans and leases to core deposits | 66.8306% | 4,635 |
| Total domestic deposits to total assets | 88.9074% | 1,074 |
| Equity capital to assets | 10.3896% | 3,718 |
| Core capital (leverage) ratio | 9.9417% | 3,719 |
| Tier 1 risk-based capital ratio | 15.0578% | 3,266 |
| Total risk-based capital ratio | 16.1812% | 3,278 |
| Memoranda: | ||
| Average total assets | $504,387,000 | 1,335 |
| Average earning assets | $440,253,000 | 1,413 |
| Average equity | $51,159,250 | 1,457 |
| Average total loans | $276,174,250 | 1,595 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7773% | 4,139 |
| Cost of funding earning assets | 0.3122% | 4,256 |
| Net interest margin | 3.4652% | 3,643 |
| Noninterest income to average assets | 1.0039% | 1,172 |
| Noninterest expense to average assets | 3.2768% | 1,770 |
| Loan and lease loss provision to assets | 0.0615% | 2,877 |
| Net operating income to assets | 0.4936% | 4,799 |
| Return on assets (ROA) | 0.5010% | 4,872 |
| Pretax return on assets | 0.6965% | 4,666 |
| Return on Equity (ROE) | 4.9797% | 4,625 |
| Retained earnings to average equity (ytd only) | 3.3631% | 3,902 |
| Net charge-offs to loans | 0.0822% | 2,229 |
| Credit loss provision to net charge-offs | 139.6396% | 1,607 |
| Earnings coverage of net charge-offs (x) | 16.9820% | 1,877 |
| Efficiency ratio | 81.4212% | 1,569 |
| Assets per employee ($millions) | 2.9207% | 5,693 |
| Cash dividends to net income (ytd only)* | 32.4624% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 3,215 |
| Loan loss allowance to noncurrent loans | 120.1106% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.8903% | 1,202 |
| Noncurrent loans to loans | 1.0869% | 2,477 |
| Net loans and leases to total assets | 53.9768% | 4,561 |
| Net loans and leases to deposits | 60.2683% | 4,828 |
| Net loans and leases to core deposits | 62.0658% | 4,942 |
| Total domestic deposits to total assets | 89.5608% | 865 |
| Equity capital to assets | 9.8655% | 4,191 |
| Core capital (leverage) ratio | 9.6461% | 4,079 |
| Tier 1 risk-based capital ratio | 15.1733% | 3,262 |
| Total risk-based capital ratio | 16.2819% | 3,271 |
| Memoranda: | ||
| Average total assets | $504,212,330 | 1,346 |
| Average earning assets | $439,515,330 | 1,429 |
| Average equity | $50,726,330 | 1,471 |
| Average total loans | $270,136,670 | 1,629 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7786% | 4,097 |
| Cost of funding earning assets | 0.3174% | 4,252 |
| Net interest margin | 3.4613% | 3,577 |
| Noninterest income to average assets | 0.9770% | 1,172 |
| Noninterest expense to average assets | 3.2493% | 1,844 |
| Loan and lease loss provision to assets | 0.0603% | 2,724 |
| Net operating income to assets | 0.4757% | 4,778 |
| Return on assets (ROA) | 0.4901% | 4,854 |
| Pretax return on assets | 0.6846% | 4,637 |
| Return on Equity (ROE) | 4.8232% | 4,619 |
| Retained earnings to average equity (ytd only) | 4.2697% | 3,452 |
| Net charge-offs to loans | -0.0197% | 5,042 |
| Credit loss provision to net charge-offs | -576.9231% | 4,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7630% | 1,651 |
| Assets per employee ($millions) | 2.8321% | 5,847 |
| Cash dividends to net income (ytd only)* | 11.4754% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 2,904 |
| Loan loss allowance to noncurrent loans | 190.0763% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 1.7458% | 1,416 |
| Noncurrent loans to loans | 0.7381% | 3,418 |
| Net loans and leases to total assets | 51.7776% | 4,680 |
| Net loans and leases to deposits | 57.9093% | 4,924 |
| Net loans and leases to core deposits | 59.6180% | 5,020 |
| Total domestic deposits to total assets | 89.4116% | 1,038 |
| Equity capital to assets | 10.0868% | 4,037 |
| Core capital (leverage) ratio | 9.7988% | 3,892 |
| Tier 1 risk-based capital ratio | 15.9249% | 2,956 |
| Total risk-based capital ratio | 17.1260% | 2,920 |
| Memoranda: | ||
| Average total assets | $497,836,000 | 1,366 |
| Average earning assets | $431,054,000 | 1,457 |
| Average equity | $50,589,000 | 1,484 |
| Average total loans | $263,839,000 | 1,660 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8810% | 4,203 |
| Cost of funding earning assets | 0.3424% | 4,337 |
| Net interest margin | 3.5386% | 3,642 |
| Noninterest income to average assets | 0.9308% | 1,410 |
| Noninterest expense to average assets | 3.3420% | 1,818 |
| Loan and lease loss provision to assets | 0.0663% | 3,174 |
| Net operating income to assets | 0.4273% | 5,119 |
| Return on assets (ROA) | 0.4530% | 5,099 |
| Pretax return on assets | 0.6369% | 4,820 |
| Return on Equity (ROE) | 4.5595% | 4,858 |
| Retained earnings to average equity (ytd only) | 2.9054% | 4,175 |
| Net charge-offs to loans | 0.1805% | 2,220 |
| Credit loss provision to net charge-offs | 69.1489% | 3,096 |
| Earnings coverage of net charge-offs (x) | 6.9532% | 3,111 |
| Efficiency ratio | 83.3605% | 1,484 |
| Assets per employee ($millions) | 2.7152% | 6,011 |
| Cash dividends to net income (ytd only)* | 36.2776% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 2,973 |
| Loan loss allowance to noncurrent loans | 198.0989% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 2.1816% | 1,119 |
| Noncurrent loans to loans | 0.7041% | 3,569 |
| Net loans and leases to total assets | 52.7517% | 4,720 |
| Net loans and leases to deposits | 59.1724% | 4,966 |
| Net loans and leases to core deposits | 61.3511% | 5,055 |
| Total domestic deposits to total assets | 89.1492% | 1,149 |
| Equity capital to assets | 10.2396% | 3,804 |
| Core capital (leverage) ratio | 9.4514% | 4,305 |
| Tier 1 risk-based capital ratio | 15.7602% | 3,092 |
| Total risk-based capital ratio | 17.0000% | 3,032 |
| Memoranda: | ||
| Average total assets | $489,881,400 | 1,358 |
| Average earning assets | $426,156,600 | 1,436 |
| Average equity | $48,667,400 | 1,479 |
| Average total loans | $260,335,000 | 1,629 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8469% | 4,381 |
| Cost of funding earning assets | 0.3431% | 4,425 |
| Net interest margin | 3.5039% | 3,814 |
| Noninterest income to average assets | 0.8734% | 1,610 |
| Noninterest expense to average assets | 3.2962% | 1,905 |
| Loan and lease loss provision to assets | 0.0884% | 2,587 |
| Net operating income to assets | 0.3948% | 5,265 |
| Return on assets (ROA) | 0.4132% | 5,274 |
| Pretax return on assets | 0.5731% | 5,116 |
| Return on Equity (ROE) | 4.1911% | 5,088 |
| Retained earnings to average equity (ytd only) | 2.7012% | 4,667 |
| Net charge-offs to loans | 0.1656% | 2,137 |
| Credit loss provision to net charge-offs | 100.6192% | 2,192 |
| Earnings coverage of net charge-offs (x) | 7.2383% | 2,951 |
| Efficiency ratio | 83.8268% | 1,410 |
| Assets per employee ($millions) | 2.7072% | 6,081 |
| Cash dividends to net income (ytd only)* | 35.5497% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 3,093 |
| Loan loss allowance to noncurrent loans | 157.0364% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 2.2522% | 1,217 |
| Noncurrent loans to loans | 0.9023% | 3,304 |
| Net loans and leases to total assets | 54.4731% | 4,520 |
| Net loans and leases to deposits | 61.0332% | 4,845 |
| Net loans and leases to core deposits | 63.2036% | 4,948 |
| Total domestic deposits to total assets | 89.2516% | 1,101 |
| Equity capital to assets | 10.1479% | 3,992 |
| Core capital (leverage) ratio | 9.4272% | 4,474 |
| Tier 1 risk-based capital ratio | 15.2869% | 3,427 |
| Total risk-based capital ratio | 16.5259% | 3,376 |
| Memoranda: | ||
| Average total assets | $490,169,000 | 1,369 |
| Average earning assets | $427,896,500 | 1,445 |
| Average equity | $48,323,250 | 1,493 |
| Average total loans | $260,053,500 | 1,636 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7846% | 4,577 |
| Cost of funding earning assets | 0.3432% | 4,507 |
| Net interest margin | 3.4414% | 4,009 |
| Noninterest income to average assets | 0.8739% | 1,578 |
| Noninterest expense to average assets | 3.2644% | 2,010 |
| Loan and lease loss provision to assets | 0.1016% | 2,324 |
| Net operating income to assets | 0.3690% | 5,334 |
| Return on assets (ROA) | 0.3906% | 5,328 |
| Pretax return on assets | 0.5422% | 5,154 |
| Return on Equity (ROE) | 4.0009% | 5,151 |
| Retained earnings to average equity (ytd only) | 2.2940% | 4,739 |
| Net charge-offs to loans | 0.2206% | 1,714 |
| Credit loss provision to net charge-offs | 88.0282% | 2,218 |
| Earnings coverage of net charge-offs (x) | 5.3169% | 2,946 |
| Efficiency ratio | 84.1736% | 1,489 |
| Assets per employee ($millions) | 2.7931% | 6,037 |
| Cash dividends to net income (ytd only)* | 42.6639% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 3,206 |
| Loan loss allowance to noncurrent loans | 129.2742% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 2.3618% | 1,236 |
| Noncurrent loans to loans | 1.1039% | 3,018 |
| Net loans and leases to total assets | 52.2131% | 4,725 |
| Net loans and leases to deposits | 58.3147% | 5,011 |
| Net loans and leases to core deposits | 60.3018% | 5,114 |
| Total domestic deposits to total assets | 89.5368% | 1,061 |
| Equity capital to assets | 9.8254% | 4,316 |
| Core capital (leverage) ratio | 9.2846% | 4,615 |
| Tier 1 risk-based capital ratio | 15.1683% | 3,545 |
| Total risk-based capital ratio | 16.4188% | 3,488 |
| Memoranda: | ||
| Average total assets | $492,030,670 | 1,362 |
| Average earning assets | $429,535,670 | 1,439 |
| Average equity | $48,039,330 | 1,490 |
| Average total loans | $257,484,000 | 1,646 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6828% | 4,906 |
| Cost of funding earning assets | 0.3435% | 4,605 |
| Net interest margin | 3.3393% | 4,375 |
| Noninterest income to average assets | 0.8352% | 1,617 |
| Noninterest expense to average assets | 3.2338% | 2,116 |
| Loan and lease loss provision to assets | 0.0531% | 3,045 |
| Net operating income to assets | 0.3490% | 5,316 |
| Return on assets (ROA) | 0.3490% | 5,378 |
| Pretax return on assets | 0.4797% | 5,228 |
| Return on Equity (ROE) | 3.5856% | 5,224 |
| Retained earnings to average equity (ytd only) | 2.4100% | 4,626 |
| Net charge-offs to loans | -0.0864% | 6,063 |
| Credit loss provision to net charge-offs | -118.1818% | 4,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8538% | 1,473 |
| Assets per employee ($millions) | 2.7071% | 6,195 |
| Cash dividends to net income (ytd only)* | 32.7869% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 3,032 |
| Loan loss allowance to noncurrent loans | 119.5599% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 2.4407% | 1,318 |
| Noncurrent loans to loans | 1.2765% | 2,898 |
| Net loans and leases to total assets | 51.2323% | 4,759 |
| Net loans and leases to deposits | 57.1235% | 5,023 |
| Net loans and leases to core deposits | 59.0191% | 5,126 |
| Total domestic deposits to total assets | 89.6869% | 1,252 |
| Equity capital to assets | 9.7253% | 4,199 |
| Core capital (leverage) ratio | 9.2362% | 4,663 |
| Tier 1 risk-based capital ratio | 15.4861% | 3,440 |
| Total risk-based capital ratio | 16.7375% | 3,406 |
| Memoranda: | ||
| Average total assets | $489,461,000 | 1,381 |
| Average earning assets | $429,669,500 | 1,446 |
| Average equity | $47,634,500 | 1,498 |
| Average total loans | $254,553,000 | 1,670 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8675% | 4,584 |
| Cost of funding earning assets | 0.3991% | 4,662 |
| Net interest margin | 3.4684% | 4,031 |
| Noninterest income to average assets | 0.8811% | 1,747 |
| Noninterest expense to average assets | 3.2910% | 2,171 |
| Loan and lease loss provision to assets | 0.1037% | 3,063 |
| Net operating income to assets | 0.3634% | 5,282 |
| Return on assets (ROA) | 0.4186% | 5,195 |
| Pretax return on assets | 0.6174% | 4,814 |
| Return on Equity (ROE) | 4.2181% | 5,003 |
| Retained earnings to average equity (ytd only) | 2.3136% | 4,601 |
| Net charge-offs to loans | 0.4653% | 1,430 |
| Credit loss provision to net charge-offs | 41.2593% | 4,018 |
| Earnings coverage of net charge-offs (x) | 2.5468% | 4,161 |
| Efficiency ratio | 83.7225% | 1,661 |
| Assets per employee ($millions) | 2.7013% | 6,217 |
| Cash dividends to net income (ytd only)* | 45.1517% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 3,190 |
| Loan loss allowance to noncurrent loans | 97.0317% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 2.7974% | 1,170 |
| Noncurrent loans to loans | 1.5460% | 2,574 |
| Net loans and leases to total assets | 51.2071% | 4,951 |
| Net loans and leases to deposits | 57.0992% | 5,200 |
| Net loans and leases to core deposits | 58.5902% | 5,340 |
| Total domestic deposits to total assets | 89.6810% | 1,231 |
| Equity capital to assets | 9.7389% | 4,118 |
| Core capital (leverage) ratio | 9.2285% | 4,676 |
| Tier 1 risk-based capital ratio | 15.2836% | 3,492 |
| Total risk-based capital ratio | 16.5351% | 3,444 |
| Memoranda: | ||
| Average total assets | $480,425,000 | 1,381 |
| Average earning assets | $422,444,400 | 1,445 |
| Average equity | $47,675,600 | 1,471 |
| Average total loans | $259,391,000 | 1,596 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8770% | 4,588 |
| Cost of funding earning assets | 0.4105% | 4,726 |
| Net interest margin | 3.4666% | 4,029 |
| Noninterest income to average assets | 0.7747% | 2,260 |
| Noninterest expense to average assets | 3.3020% | 2,078 |
| Loan and lease loss provision to assets | 0.1247% | 2,734 |
| Net operating income to assets | 0.2755% | 5,688 |
| Return on assets (ROA) | 0.3494% | 5,563 |
| Pretax return on assets | 0.5128% | 5,314 |
| Return on Equity (ROE) | 3.5038% | 5,430 |
| Retained earnings to average equity (ytd only) | 1.7505% | 5,264 |
| Net charge-offs to loans | 0.3397% | 1,850 |
| Credit loss provision to net charge-offs | 67.3684% | 3,118 |
| Earnings coverage of net charge-offs (x) | 2.8572% | 3,880 |
| Efficiency ratio | 86.1939% | 1,344 |
| Assets per employee ($millions) | 2.6747% | 6,302 |
| Cash dividends to net income (ytd only)* | 50.0397% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6493% | 2,801 |
| Loan loss allowance to noncurrent loans | 73.4190% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 3.1003% | 1,184 |
| Noncurrent loans to loans | 2.2464% | 1,961 |
| Net loans and leases to total assets | 53.0614% | 4,743 |
| Net loans and leases to deposits | 59.2542% | 5,065 |
| Net loans and leases to core deposits | 61.0545% | 5,213 |
| Total domestic deposits to total assets | 89.5487% | 1,266 |
| Equity capital to assets | 9.8045% | 4,176 |
| Core capital (leverage) ratio | 9.2068% | 4,824 |
| Tier 1 risk-based capital ratio | 14.7147% | 3,940 |
| Total risk-based capital ratio | 15.9678% | 3,900 |
| Memoranda: | ||
| Average total assets | $478,972,000 | 1,393 |
| Average earning assets | $422,272,750 | 1,454 |
| Average equity | $47,756,000 | 1,479 |
| Average total loans | $261,043,750 | 1,595 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8594% | 4,625 |
| Cost of funding earning assets | 0.4189% | 4,764 |
| Net interest margin | 3.4405% | 4,038 |
| Noninterest income to average assets | 0.6851% | 2,717 |
| Noninterest expense to average assets | 3.2710% | 2,155 |
| Loan and lease loss provision to assets | 0.1246% | 2,765 |
| Net operating income to assets | 0.2237% | 5,833 |
| Return on assets (ROA) | 0.3346% | 5,632 |
| Pretax return on assets | 0.4932% | 5,403 |
| Return on Equity (ROE) | 3.3375% | 5,489 |
| Retained earnings to average equity (ytd only) | 1.6687% | 5,183 |
| Net charge-offs to loans | 0.4574% | 1,440 |
| Credit loss provision to net charge-offs | 49.8328% | 3,217 |
| Earnings coverage of net charge-offs (x) | 1.8177% | 3,922 |
| Efficiency ratio | 87.7961% | 1,239 |
| Assets per employee ($millions) | 2.6723% | 6,324 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6221% | 3,083 |
| Loan loss allowance to noncurrent loans | 53.2581% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 3.5677% | 1,056 |
| Noncurrent loans to loans | 3.0457% | 1,457 |
| Net loans and leases to total assets | 53.2641% | 4,702 |
| Net loans and leases to deposits | 59.4880% | 5,023 |
| Net loans and leases to core deposits | 61.3079% | 5,153 |
| Total domestic deposits to total assets | 89.5375% | 1,306 |
| Equity capital to assets | 9.8286% | 4,148 |
| Core capital (leverage) ratio | 9.0939% | 4,836 |
| Tier 1 risk-based capital ratio | 14.5638% | 4,058 |
| Total risk-based capital ratio | 15.8162% | 4,026 |
| Memoranda: | ||
| Average total assets | $478,148,000 | 1,396 |
| Average earning assets | $422,549,330 | 1,451 |
| Average equity | $47,940,330 | 1,485 |
| Average total loans | $261,476,670 | 1,594 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8712% | 4,581 |
| Cost of funding earning assets | 0.4238% | 4,877 |
| Net interest margin | 3.4473% | 3,921 |
| Noninterest income to average assets | 0.8886% | 1,796 |
| Noninterest expense to average assets | 3.2482% | 2,207 |
| Loan and lease loss provision to assets | 0.1866% | 1,975 |
| Net operating income to assets | 0.3439% | 5,385 |
| Return on assets (ROA) | 0.3439% | 5,530 |
| Pretax return on assets | 0.5096% | 5,221 |
| Return on Equity (ROE) | 3.3965% | 5,391 |
| Retained earnings to average equity (ytd only) | 1.2065% | 5,370 |
| Net charge-offs to loans | 0.4385% | 1,358 |
| Credit loss provision to net charge-offs | 77.4306% | 2,192 |
| Earnings coverage of net charge-offs (x) | 2.8889% | 2,907 |
| Efficiency ratio | 82.3504% | 1,985 |
| Assets per employee ($millions) | 2.6893% | 6,416 |
| Cash dividends to net income (ytd only)* | 64.4769% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 2,998 |
| Loan loss allowance to noncurrent loans | 63.5166% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 3.4410% | 1,242 |
| Noncurrent loans to loans | 2.6801% | 1,908 |
| Net loans and leases to total assets | 52.3349% | 4,655 |
| Net loans and leases to deposits | 58.4548% | 4,980 |
| Net loans and leases to core deposits | 60.1964% | 5,128 |
| Total domestic deposits to total assets | 89.5306% | 1,340 |
| Equity capital to assets | 9.9023% | 4,271 |
| Core capital (leverage) ratio | 9.0793% | 4,750 |
| Tier 1 risk-based capital ratio | 14.8428% | 3,942 |
| Total risk-based capital ratio | 16.0999% | 3,902 |
| Memoranda: | ||
| Average total assets | $478,048,500 | 1,403 |
| Average earning assets | $423,749,000 | 1,457 |
| Average equity | $48,403,000 | 1,494 |
| Average total loans | $262,721,000 | 1,597 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 4,235 |
| Cost of funding earning assets | 0.5750% | 4,588 |
| Net interest margin | 3.7130% | 3,592 |
| Noninterest income to average assets | 0.7607% | 2,442 |
| Noninterest expense to average assets | 3.3558% | 2,170 |
| Loan and lease loss provision to assets | 0.4802% | 1,276 |
| Net operating income to assets | 0.1559% | 5,877 |
| Return on assets (ROA) | 0.3077% | 5,648 |
| Pretax return on assets | 0.4136% | 5,539 |
| Return on Equity (ROE) | 2.9578% | 5,563 |
| Retained earnings to average equity (ytd only) | 1.7646% | 4,972 |
| Net charge-offs to loans | 0.9668% | 1,140 |
| Credit loss provision to net charge-offs | 84.6124% | 3,676 |
| Earnings coverage of net charge-offs (x) | 1.2134% | 4,850 |
| Efficiency ratio | 82.9725% | 1,750 |
| Assets per employee ($millions) | 2.6216% | 6,518 |
| Cash dividends to net income (ytd only)* | 40.3397% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6994% | 2,935 |
| Loan loss allowance to noncurrent loans | 44.9336% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 3.9016% | 1,115 |
| Noncurrent loans to loans | 3.7821% | 1,278 |
| Net loans and leases to total assets | 55.7920% | 4,327 |
| Net loans and leases to deposits | 62.6717% | 4,701 |
| Net loans and leases to core deposits | 64.9820% | 4,838 |
| Total domestic deposits to total assets | 89.0227% | 1,552 |
| Equity capital to assets | 10.3589% | 3,682 |
| Core capital (leverage) ratio | 9.3184% | 4,383 |
| Tier 1 risk-based capital ratio | 14.7084% | 3,888 |
| Total risk-based capital ratio | 15.9623% | 3,841 |
| Memoranda: | ||
| Average total assets | $459,152,200 | 1,434 |
| Average earning assets | $406,062,600 | 1,484 |
| Average equity | $47,772,200 | 1,459 |
| Average total loans | $269,561,800 | 1,541 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3138% | 4,404 |
| Cost of funding earning assets | 0.6033% | 4,612 |
| Net interest margin | 3.7105% | 3,752 |
| Noninterest income to average assets | 0.6377% | 3,063 |
| Noninterest expense to average assets | 3.3837% | 2,044 |
| Loan and lease loss provision to assets | 0.3645% | 1,784 |
| Net operating income to assets | 0.1282% | 6,078 |
| Return on assets (ROA) | 0.3283% | 5,720 |
| Pretax return on assets | 0.4505% | 5,595 |
| Return on Equity (ROE) | 3.1520% | 5,626 |
| Retained earnings to average equity (ytd only) | 1.8783% | 5,401 |
| Net charge-offs to loans | 0.9175% | 1,183 |
| Credit loss provision to net charge-offs | 67.0961% | 3,978 |
| Earnings coverage of net charge-offs (x) | 0.9957% | 4,823 |
| Efficiency ratio | 86.2184% | 1,358 |
| Assets per employee ($millions) | 2.5306% | 6,677 |
| Cash dividends to net income (ytd only)* | 40.4083% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 3,801 |
| Loan loss allowance to noncurrent loans | 35.2453% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 4.5087% | 1,028 |
| Noncurrent loans to loans | 4.3511% | 1,113 |
| Net loans and leases to total assets | 60.1223% | 3,758 |
| Net loans and leases to deposits | 67.6988% | 4,230 |
| Net loans and leases to core deposits | 70.4319% | 4,442 |
| Total domestic deposits to total assets | 88.8085% | 1,532 |
| Equity capital to assets | 10.5315% | 3,807 |
| Core capital (leverage) ratio | 9.3612% | 4,486 |
| Tier 1 risk-based capital ratio | 13.9096% | 4,598 |
| Total risk-based capital ratio | 15.1631% | 4,554 |
| Memoranda: | ||
| Average total assets | $457,277,000 | 1,455 |
| Average earning assets | $405,079,750 | 1,509 |
| Average equity | $47,630,250 | 1,481 |
| Average total loans | $270,738,250 | 1,544 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2941% | 4,595 |
| Cost of funding earning assets | 0.6254% | 4,674 |
| Net interest margin | 3.6686% | 3,962 |
| Noninterest income to average assets | 0.4385% | 4,374 |
| Noninterest expense to average assets | 3.3920% | 2,050 |
| Loan and lease loss provision to assets | 0.2188% | 2,887 |
| Net operating income to assets | 0.0563% | 6,245 |
| Return on assets (ROA) | 0.3483% | 5,661 |
| Pretax return on assets | 0.4888% | 5,474 |
| Return on Equity (ROE) | 3.3567% | 5,542 |
| Retained earnings to average equity (ytd only) | 2.0495% | 5,179 |
| Net charge-offs to loans | 0.0747% | 4,399 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 6.7700% | 2,579 |
| Efficiency ratio | 91.9673% | 930 |
| Assets per employee ($millions) | 2.5314% | 6,736 |
| Cash dividends to net income (ytd only)* | 38.9447% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9635% | 2,331 |
| Loan loss allowance to noncurrent loans | 37.0899% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 4.7927% | 1,008 |
| Noncurrent loans to loans | 5.2939% | 901 |
| Net loans and leases to total assets | 57.4593% | 4,252 |
| Net loans and leases to deposits | 64.6064% | 4,686 |
| Net loans and leases to core deposits | 67.1297% | 4,884 |
| Total domestic deposits to total assets | 88.9374% | 1,547 |
| Equity capital to assets | 10.3730% | 3,844 |
| Core capital (leverage) ratio | 9.2195% | 4,579 |
| Tier 1 risk-based capital ratio | 14.2720% | 4,255 |
| Total risk-based capital ratio | 15.5309% | 4,211 |
| Memoranda: | ||
| Average total assets | $457,021,670 | 1,456 |
| Average earning assets | $404,838,670 | 1,504 |
| Average equity | $47,427,330 | 1,476 |
| Average total loans | $267,759,330 | 1,554 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3539% | 4,504 |
| Cost of funding earning assets | 0.6464% | 4,762 |
| Net interest margin | 3.7075% | 3,792 |
| Noninterest income to average assets | 0.7602% | 2,347 |
| Noninterest expense to average assets | 3.4062% | 1,994 |
| Loan and lease loss provision to assets | 0.1758% | 3,208 |
| Net operating income to assets | 0.3252% | 5,573 |
| Return on assets (ROA) | 0.3252% | 5,739 |
| Pretax return on assets | 0.4543% | 5,570 |
| Return on Equity (ROE) | 3.1326% | 5,668 |
| Retained earnings to average equity (ytd only) | 1.8626% | 5,314 |
| Net charge-offs to loans | -0.0150% | 6,080 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3893% | 1,646 |
| Assets per employee ($millions) | 2.6063% | 6,738 |
| Cash dividends to net income (ytd only)* | 40.5405% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8935% | 2,694 |
| Loan loss allowance to noncurrent loans | 36.9124% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 5.0116% | 1,040 |
| Noncurrent loans to loans | 5.1297% | 1,080 |
| Net loans and leases to total assets | 57.0923% | 4,202 |
| Net loans and leases to deposits | 64.0122% | 4,637 |
| Net loans and leases to core deposits | 66.2611% | 4,885 |
| Total domestic deposits to total assets | 89.1897% | 1,569 |
| Equity capital to assets | 10.2165% | 3,832 |
| Core capital (leverage) ratio | 9.3364% | 4,306 |
| Tier 1 risk-based capital ratio | 14.0174% | 4,464 |
| Total risk-based capital ratio | 15.2726% | 4,420 |
| Memoranda: | ||
| Average total assets | $455,171,000 | 1,468 |
| Average earning assets | $402,210,500 | 1,512 |
| Average equity | $47,245,500 | 1,476 |
| Average total loans | $266,624,000 | 1,572 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6581% | 4,431 |
| Cost of funding earning assets | 0.8083% | 4,806 |
| Net interest margin | 3.8499% | 3,569 |
| Noninterest income to average assets | 0.6840% | 2,695 |
| Noninterest expense to average assets | 3.5010% | 1,978 |
| Loan and lease loss provision to assets | 0.4023% | 2,585 |
| Net operating income to assets | 0.1146% | 5,834 |
| Return on assets (ROA) | 0.3078% | 5,380 |
| Pretax return on assets | 0.4233% | 5,216 |
| Return on Equity (ROE) | 2.9764% | 5,296 |
| Retained earnings to average equity (ytd only) | 1.8633% | 4,887 |
| Net charge-offs to loans | 0.7682% | 2,234 |
| Credit loss provision to net charge-offs | 88.3219% | 4,086 |
| Earnings coverage of net charge-offs (x) | 1.2316% | 4,857 |
| Efficiency ratio | 86.1883% | 1,537 |
| Assets per employee ($millions) | 2.5221% | 6,811 |
| Cash dividends to net income (ytd only)* | 37.4001% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8620% | 2,674 |
| Loan loss allowance to noncurrent loans | 35.7784% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 5.2971% | 977 |
| Noncurrent loans to loans | 5.2042% | 1,055 |
| Net loans and leases to total assets | 57.8761% | 4,389 |
| Net loans and leases to deposits | 65.3252% | 4,833 |
| Net loans and leases to core deposits | 67.6472% | 5,074 |
| Total domestic deposits to total assets | 88.5969% | 1,783 |
| Equity capital to assets | 10.5494% | 3,477 |
| Core capital (leverage) ratio | 9.4947% | 4,029 |
| Tier 1 risk-based capital ratio | 14.1795% | 4,192 |
| Total risk-based capital ratio | 15.4381% | 4,139 |
| Memoranda: | ||
| Average total assets | $447,391,800 | 1,463 |
| Average earning assets | $392,560,200 | 1,523 |
| Average equity | $46,263,200 | 1,475 |
| Average total loans | $265,284,800 | 1,586 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6722% | 4,584 |
| Cost of funding earning assets | 0.8364% | 4,886 |
| Net interest margin | 3.8358% | 3,690 |
| Noninterest income to average assets | 0.5924% | 3,215 |
| Noninterest expense to average assets | 3.5245% | 1,875 |
| Loan and lease loss provision to assets | 0.3425% | 2,828 |
| Net operating income to assets | 0.0667% | 6,031 |
| Return on assets (ROA) | 0.2931% | 5,593 |
| Pretax return on assets | 0.4000% | 5,474 |
| Return on Equity (ROE) | 2.8487% | 5,482 |
| Retained earnings to average equity (ytd only) | 1.7341% | 5,277 |
| Net charge-offs to loans | 0.3075% | 3,555 |
| Credit loss provision to net charge-offs | 187.6020% | 1,559 |
| Earnings coverage of net charge-offs (x) | 2.3687% | 3,946 |
| Efficiency ratio | 89.0704% | 1,240 |
| Assets per employee ($millions) | 2.3873% | 7,002 |
| Cash dividends to net income (ytd only)* | 39.1259% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0800% | 2,118 |
| Loan loss allowance to noncurrent loans | 34.2773% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 6.0003% | 889 |
| Noncurrent loans to loans | 6.0682% | 915 |
| Net loans and leases to total assets | 61.5091% | 3,848 |
| Net loans and leases to deposits | 69.6491% | 4,352 |
| Net loans and leases to core deposits | 72.2759% | 4,676 |
| Total domestic deposits to total assets | 88.3129% | 1,865 |
| Equity capital to assets | 10.7773% | 3,390 |
| Core capital (leverage) ratio | 9.6077% | 3,979 |
| Tier 1 risk-based capital ratio | 13.7055% | 4,570 |
| Total risk-based capital ratio | 14.9664% | 4,529 |
| Memoranda: | ||
| Average total assets | $447,636,250 | 1,474 |
| Average earning assets | $392,642,250 | 1,520 |
| Average equity | $46,055,500 | 1,479 |
| Average total loans | $265,788,750 | 1,595 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5580% | 5,147 |
| Cost of funding earning assets | 0.8578% | 5,000 |
| Net interest margin | 3.7002% | 4,256 |
| Noninterest income to average assets | 0.9491% | 1,470 |
| Noninterest expense to average assets | 3.5180% | 1,939 |
| Loan and lease loss provision to assets | 0.2655% | 3,280 |
| Net operating income to assets | 0.2928% | 5,395 |
| Return on assets (ROA) | 0.3009% | 5,508 |
| Pretax return on assets | 0.4137% | 5,354 |
| Return on Equity (ROE) | 2.9695% | 5,401 |
| Retained earnings to average equity (ytd only) | 1.8560% | 5,057 |
| Net charge-offs to loans | 0.2544% | 3,613 |
| Credit loss provision to net charge-offs | 179.1045% | 1,688 |
| Earnings coverage of net charge-offs (x) | 4.5075% | 2,842 |
| Efficiency ratio | 84.0397% | 1,808 |
| Assets per employee ($millions) | 2.4243% | 6,999 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0426% | 2,251 |
| Loan loss allowance to noncurrent loans | 35.6860% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 5.8924% | 958 |
| Noncurrent loans to loans | 5.7239% | 1,076 |
| Net loans and leases to total assets | 58.7469% | 4,507 |
| Net loans and leases to deposits | 66.3280% | 4,952 |
| Net loans and leases to core deposits | 68.6821% | 5,221 |
| Total domestic deposits to total assets | 88.5703% | 1,804 |
| Equity capital to assets | 10.5252% | 3,474 |
| Core capital (leverage) ratio | 9.2120% | 4,382 |
| Tier 1 risk-based capital ratio | 14.0168% | 4,163 |
| Total risk-based capital ratio | 15.2734% | 4,132 |
| Memoranda: | ||
| Average total assets | $452,016,670 | 1,474 |
| Average earning assets | $395,434,670 | 1,529 |
| Average equity | $45,798,330 | 1,475 |
| Average total loans | $263,408,000 | 1,634 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4815% | 5,397 |
| Cost of funding earning assets | 0.8873% | 5,016 |
| Net interest margin | 3.5942% | 4,592 |
| Noninterest income to average assets | 0.9007% | 1,663 |
| Noninterest expense to average assets | 3.4542% | 2,133 |
| Loan and lease loss provision to assets | 0.2623% | 3,039 |
| Net operating income to assets | 0.2370% | 5,657 |
| Return on assets (ROA) | 0.2370% | 5,725 |
| Pretax return on assets | 0.3157% | 5,613 |
| Return on Equity (ROE) | 2.3836% | 5,642 |
| Retained earnings to average equity (ytd only) | 1.2842% | 5,315 |
| Net charge-offs to loans | 0.0548% | 4,386 |
| Credit loss provision to net charge-offs | 833.3333% | 458 |
| Earnings coverage of net charge-offs (x) | 18.3611% | 1,184 |
| Efficiency ratio | 85.6647% | 1,753 |
| Assets per employee ($millions) | 2.5026% | 6,985 |
| Cash dividends to net income (ytd only)* | 46.1255% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0483% | 2,297 |
| Loan loss allowance to noncurrent loans | 31.1739% | 6,225 |
| Noncurrent assets plus other real estate owned to assets | 6.0523% | 950 |
| Noncurrent loans to loans | 6.5704% | 899 |
| Net loans and leases to total assets | 57.6902% | 4,693 |
| Net loans and leases to deposits | 64.8866% | 5,147 |
| Net loans and leases to core deposits | 67.5123% | 5,357 |
| Total domestic deposits to total assets | 88.9093% | 1,830 |
| Equity capital to assets | 10.1560% | 3,587 |
| Core capital (leverage) ratio | 8.6886% | 5,099 |
| Tier 1 risk-based capital ratio | 13.9069% | 4,136 |
| Total risk-based capital ratio | 15.1678% | 4,103 |
| Memoranda: | ||
| Average total assets | $457,411,500 | 1,468 |
| Average earning assets | $398,527,500 | 1,525 |
| Average equity | $45,477,500 | 1,477 |
| Average total loans | $262,806,000 | 1,656 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6040% | 6,101 |
| Cost of funding earning assets | 1.0870% | 5,203 |
| Net interest margin | 3.5170% | 5,178 |
| Noninterest income to average assets | 0.9115% | 1,811 |
| Noninterest expense to average assets | 3.6202% | 1,876 |
| Loan and lease loss provision to assets | 0.9375% | 1,741 |
| Net operating income to assets | -0.2694% | 6,186 |
| Return on assets (ROA) | -0.1278% | 6,075 |
| Pretax return on assets | -0.3315% | 6,189 |
| Return on Equity (ROE) | -1.2959% | 6,096 |
| Retained earnings to average equity (ytd only) | -1.2959% | 5,859 |
| Net charge-offs to loans | 2.4263% | 777 |
| Credit loss provision to net charge-offs | 65.9044% | 5,960 |
| Earnings coverage of net charge-offs (x) | 0.2706% | 5,838 |
| Efficiency ratio | 85.4581% | 1,751 |
| Assets per employee ($millions) | 2.5937% | 6,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9635% | 2,395 |
| Loan loss allowance to noncurrent loans | 28.4544% | 6,386 |
| Noncurrent assets plus other real estate owned to assets | 6.0463% | 980 |
| Noncurrent loans to loans | 6.9005% | 829 |
| Net loans and leases to total assets | 54.9709% | 5,493 |
| Net loans and leases to deposits | 61.5336% | 5,890 |
| Net loans and leases to core deposits | 64.1811% | 6,038 |
| Total domestic deposits to total assets | 89.3348% | 1,479 |
| Equity capital to assets | 9.7373% | 4,070 |
| Core capital (leverage) ratio | 8.6914% | 5,035 |
| Tier 1 risk-based capital ratio | 13.8774% | 3,942 |
| Total risk-based capital ratio | 15.1337% | 3,920 |
| Memoranda: | ||
| Average total assets | $473,370,000 | 1,414 |
| Average earning assets | $416,380,000 | 1,456 |
| Average equity | $46,684,000 | 1,436 |
| Average total loans | $277,539,000 | 1,611 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6358% | 6,240 |
| Cost of funding earning assets | 1.1326% | 5,239 |
| Net interest margin | 3.5033% | 5,279 |
| Noninterest income to average assets | 0.8800% | 1,876 |
| Noninterest expense to average assets | 3.6639% | 1,640 |
| Loan and lease loss provision to assets | 1.1615% | 1,245 |
| Net operating income to assets | -0.4500% | 6,559 |
| Return on assets (ROA) | -0.2619% | 6,442 |
| Pretax return on assets | -0.5606% | 6,595 |
| Return on Equity (ROE) | -2.6473% | 6,464 |
| Retained earnings to average equity (ytd only) | -2.6473% | 6,306 |
| Net charge-offs to loans | 2.8700% | 559 |
| Credit loss provision to net charge-offs | 68.2951% | 5,467 |
| Earnings coverage of net charge-offs (x) | 0.1806% | 5,831 |
| Efficiency ratio | 85.6577% | 1,666 |
| Assets per employee ($millions) | 2.6175% | 6,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9765% | 2,285 |
| Loan loss allowance to noncurrent loans | 30.7174% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 5.6332% | 1,085 |
| Noncurrent loans to loans | 6.4344% | 931 |
| Net loans and leases to total assets | 56.7921% | 5,445 |
| Net loans and leases to deposits | 63.4606% | 5,978 |
| Net loans and leases to core deposits | 66.6854% | 6,066 |
| Total domestic deposits to total assets | 89.4919% | 1,131 |
| Equity capital to assets | 9.5762% | 4,731 |
| Core capital (leverage) ratio | 8.4457% | 5,613 |
| Tier 1 risk-based capital ratio | 13.3949% | 4,276 |
| Total risk-based capital ratio | 14.6513% | 4,238 |
| Memoranda: | ||
| Average total assets | $474,996,750 | 1,429 |
| Average earning assets | $419,100,750 | 1,467 |
| Average equity | $46,990,000 | 1,433 |
| Average total loans | $281,479,000 | 1,608 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6893% | 6,173 |
| Cost of funding earning assets | 1.1935% | 5,167 |
| Net interest margin | 3.4959% | 5,264 |
| Noninterest income to average assets | 0.9268% | 1,595 |
| Noninterest expense to average assets | 3.3892% | 2,293 |
| Loan and lease loss provision to assets | 0.4391% | 3,118 |
| Net operating income to assets | 0.1768% | 5,644 |
| Return on assets (ROA) | 0.2695% | 5,448 |
| Pretax return on assets | 0.2703% | 5,595 |
| Return on Equity (ROE) | 2.6946% | 5,372 |
| Retained earnings to average equity (ytd only) | 2.6946% | 4,425 |
| Net charge-offs to loans | 0.5193% | 2,975 |
| Credit loss provision to net charge-offs | 141.6098% | 2,817 |
| Earnings coverage of net charge-offs (x) | 1.9891% | 4,037 |
| Efficiency ratio | 84.6040% | 1,855 |
| Assets per employee ($millions) | 2.7173% | 6,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7461% | 1,049 |
| Loan loss allowance to noncurrent loans | 36.5193% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 6.0704% | 963 |
| Noncurrent loans to loans | 7.5196% | 714 |
| Net loans and leases to total assets | 55.7403% | 5,741 |
| Net loans and leases to deposits | 62.3570% | 6,202 |
| Net loans and leases to core deposits | 66.0136% | 6,246 |
| Total domestic deposits to total assets | 89.3890% | 1,230 |
| Equity capital to assets | 9.7294% | 4,370 |
| Core capital (leverage) ratio | 8.7868% | 4,935 |
| Tier 1 risk-based capital ratio | 13.4572% | 4,094 |
| Total risk-based capital ratio | 14.7227% | 4,050 |
| Memoranda: | ||
| Average total assets | $472,792,000 | 1,442 |
| Average earning assets | $416,434,000 | 1,487 |
| Average equity | $47,280,000 | 1,418 |
| Average total loans | $282,294,670 | 1,619 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8052% | 5,877 |
| Cost of funding earning assets | 1.3094% | 4,762 |
| Net interest margin | 3.4959% | 5,176 |
| Noninterest income to average assets | 0.9023% | 1,613 |
| Noninterest expense to average assets | 3.3484% | 2,380 |
| Loan and lease loss provision to assets | 0.3782% | 3,099 |
| Net operating income to assets | 0.2208% | 5,614 |
| Return on assets (ROA) | 0.3540% | 5,182 |
| Pretax return on assets | 0.3652% | 5,397 |
| Return on Equity (ROE) | 3.4898% | 5,120 |
| Retained earnings to average equity (ytd only) | 3.4898% | 4,053 |
| Net charge-offs to loans | 0.5975% | 2,313 |
| Credit loss provision to net charge-offs | 103.7915% | 3,297 |
| Earnings coverage of net charge-offs (x) | 1.6635% | 3,738 |
| Efficiency ratio | 84.6725% | 1,953 |
| Assets per employee ($millions) | 2.6262% | 6,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6455% | 1,133 |
| Loan loss allowance to noncurrent loans | 35.5212% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 6.0958% | 970 |
| Noncurrent loans to loans | 7.4476% | 770 |
| Net loans and leases to total assets | 58.3365% | 5,377 |
| Net loans and leases to deposits | 65.5359% | 5,872 |
| Net loans and leases to core deposits | 70.0555% | 5,911 |
| Total domestic deposits to total assets | 89.0146% | 1,507 |
| Equity capital to assets | 10.0337% | 3,819 |
| Core capital (leverage) ratio | 8.9524% | 4,643 |
| Tier 1 risk-based capital ratio | 13.3234% | 4,108 |
| Total risk-based capital ratio | 14.5875% | 4,054 |
| Memoranda: | ||
| Average total assets | $463,272,500 | 1,513 |
| Average earning assets | $404,475,500 | 1,571 |
| Average equity | $46,994,000 | 1,431 |
| Average total loans | $282,497,500 | 1,666 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6833% | 7,165 |
| Cost of funding earning assets | 1.5463% | 5,302 |
| Net interest margin | 3.1370% | 6,264 |
| Noninterest income to average assets | 0.6850% | 3,056 |
| Noninterest expense to average assets | 3.2075% | 3,352 |
| Loan and lease loss provision to assets | 1.6525% | 1,386 |
| Net operating income to assets | -0.7724% | 6,418 |
| Return on assets (ROA) | -0.7499% | 6,399 |
| Pretax return on assets | -1.3583% | 6,628 |
| Return on Equity (ROE) | -7.5748% | 6,433 |
| Retained earnings to average equity (ytd only) | -7.5748% | 6,295 |
| Net charge-offs to loans | 1.5526% | 1,623 |
| Credit loss provision to net charge-offs | 186.8897% | 2,165 |
| Earnings coverage of net charge-offs (x) | 0.2929% | 5,822 |
| Efficiency ratio | 92.5277% | 1,523 |
| Assets per employee ($millions) | 2.5080% | 7,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6247% | 1,099 |
| Loan loss allowance to noncurrent loans | 39.0916% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 5.8348% | 975 |
| Noncurrent loans to loans | 6.7143% | 879 |
| Net loans and leases to total assets | 60.4382% | 5,270 |
| Net loans and leases to deposits | 68.0545% | 5,819 |
| Net loans and leases to core deposits | 83.3530% | 5,785 |
| Total domestic deposits to total assets | 88.8084% | 1,568 |
| Equity capital to assets | 10.2574% | 3,449 |
| Core capital (leverage) ratio | 8.7069% | 4,916 |
| Tier 1 risk-based capital ratio | 12.9310% | 4,188 |
| Total risk-based capital ratio | 14.1942% | 4,131 |
| Memoranda: | ||
| Average total assets | $500,323,400 | 1,373 |
| Average earning assets | $443,643,800 | 1,417 |
| Average equity | $49,532,800 | 1,359 |
| Average total loans | $284,933,600 | 1,686 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5816% | 7,432 |
| Cost of funding earning assets | 1.5774% | 5,503 |
| Net interest margin | 3.0042% | 6,604 |
| Noninterest income to average assets | 0.8658% | 2,124 |
| Noninterest expense to average assets | 3.0635% | 3,790 |
| Loan and lease loss provision to assets | 1.1735% | 1,653 |
| Net operating income to assets | -0.3520% | 6,268 |
| Return on assets (ROA) | -0.3228% | 6,247 |
| Pretax return on assets | -0.6556% | 6,447 |
| Return on Equity (ROE) | -3.2874% | 6,278 |
| Retained earnings to average equity (ytd only) | -3.2874% | 5,989 |
| Net charge-offs to loans | 1.2457% | 1,640 |
| Credit loss provision to net charge-offs | 168.7922% | 2,769 |
| Earnings coverage of net charge-offs (x) | 0.6793% | 5,354 |
| Efficiency ratio | 86.6436% | 2,002 |
| Assets per employee ($millions) | 2.6194% | 7,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8652% | 2,117 |
| Loan loss allowance to noncurrent loans | 29.0487% | 6,533 |
| Noncurrent assets plus other real estate owned to assets | 5.6567% | 991 |
| Noncurrent loans to loans | 6.4209% | 900 |
| Net loans and leases to total assets | 61.2290% | 5,373 |
| Net loans and leases to deposits | 69.3838% | 5,994 |
| Net loans and leases to core deposits | 86.6971% | 5,801 |
| Total domestic deposits to total assets | 88.2469% | 1,537 |
| Equity capital to assets | 10.6857% | 3,307 |
| Core capital (leverage) ratio | 9.8066% | 3,512 |
| Tier 1 risk-based capital ratio | 14.3342% | 3,362 |
| Total risk-based capital ratio | 15.5883% | 3,306 |
| Memoranda: | ||
| Average total assets | $511,291,750 | 1,361 |
| Average earning assets | $454,417,000 | 1,402 |
| Average equity | $50,211,000 | 1,360 |
| Average total loans | $285,340,500 | 1,700 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4564% | 7,661 |
| Cost of funding earning assets | 1.5783% | 5,814 |
| Net interest margin | 2.8781% | 6,850 |
| Noninterest income to average assets | 0.8318% | 2,257 |
| Noninterest expense to average assets | 2.9732% | 4,192 |
| Loan and lease loss provision to assets | 0.9880% | 1,704 |
| Net operating income to assets | -0.2660% | 6,280 |
| Return on assets (ROA) | -0.2242% | 6,246 |
| Pretax return on assets | -0.4959% | 6,421 |
| Return on Equity (ROE) | -2.3440% | 6,274 |
| Retained earnings to average equity (ytd only) | -2.3440% | 5,821 |
| Net charge-offs to loans | 0.9122% | 1,880 |
| Credit loss provision to net charge-offs | 201.0828% | 2,261 |
| Earnings coverage of net charge-offs (x) | 0.8685% | 4,881 |
| Efficiency ratio | 87.4483% | 2,080 |
| Assets per employee ($millions) | 2.9407% | 6,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7058% | 2,325 |
| Loan loss allowance to noncurrent loans | 23.9994% | 6,900 |
| Noncurrent assets plus other real estate owned to assets | 5.2183% | 987 |
| Noncurrent loans to loans | 7.1077% | 676 |
| Net loans and leases to total assets | 53.3315% | 6,529 |
| Net loans and leases to deposits | 59.4466% | 6,934 |
| Net loans and leases to core deposits | 71.9327% | 6,904 |
| Total domestic deposits to total assets | 89.7133% | 955 |
| Equity capital to assets | 9.3525% | 4,800 |
| Core capital (leverage) ratio | 9.6996% | 3,630 |
| Tier 1 risk-based capital ratio | 14.5386% | 3,223 |
| Total risk-based capital ratio | 15.7912% | 3,161 |
| Memoranda: | ||
| Average total assets | $526,303,000 | 1,339 |
| Average earning assets | $469,619,000 | 1,379 |
| Average equity | $50,340,330 | 1,361 |
| Average total loans | $283,483,670 | 1,743 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4696% | 7,747 |
| Cost of funding earning assets | 1.6468% | 5,830 |
| Net interest margin | 2.8228% | 6,947 |
| Noninterest income to average assets | 0.8415% | 2,117 |
| Noninterest expense to average assets | 2.8712% | 4,258 |
| Loan and lease loss provision to assets | 0.2744% | 3,770 |
| Net operating income to assets | 0.2203% | 5,602 |
| Return on assets (ROA) | 0.2203% | 5,760 |
| Pretax return on assets | 0.2005% | 5,934 |
| Return on Equity (ROE) | 2.2775% | 5,676 |
| Retained earnings to average equity (ytd only) | 2.2775% | 4,610 |
| Net charge-offs to loans | 0.0554% | 4,694 |
| Credit loss provision to net charge-offs | 923.0769% | 670 |
| Earnings coverage of net charge-offs (x) | 15.9744% | 1,578 |
| Efficiency ratio | 85.8087% | 2,091 |
| Assets per employee ($millions) | 2.7650% | 6,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 3,610 |
| Loan loss allowance to noncurrent loans | 20.1930% | 7,156 |
| Noncurrent assets plus other real estate owned to assets | 4.9804% | 906 |
| Noncurrent loans to loans | 6.8399% | 606 |
| Net loans and leases to total assets | 55.8276% | 6,260 |
| Net loans and leases to deposits | 62.7959% | 6,666 |
| Net loans and leases to core deposits | 76.8224% | 6,622 |
| Total domestic deposits to total assets | 88.9032% | 1,271 |
| Equity capital to assets | 10.1533% | 3,822 |
| Core capital (leverage) ratio | 9.4538% | 4,045 |
| Tier 1 risk-based capital ratio | 14.8706% | 3,127 |
| Total risk-based capital ratio | 16.0448% | 3,089 |
| Memoranda: | ||
| Average total assets | $524,792,000 | 1,347 |
| Average earning assets | $465,638,500 | 1,399 |
| Average equity | $50,758,000 | 1,351 |
| Average total loans | $281,627,500 | 1,768 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6186% | 7,013 |
| Cost of funding earning assets | 2.3543% | 4,911 |
| Net interest margin | 3.2642% | 6,167 |
| Noninterest income to average assets | 0.8991% | 1,958 |
| Noninterest expense to average assets | 3.2091% | 3,307 |
| Loan and lease loss provision to assets | 0.4709% | 2,946 |
| Net operating income to assets | 0.1783% | 5,913 |
| Return on assets (ROA) | 0.2326% | 5,574 |
| Pretax return on assets | 0.2070% | 5,716 |
| Return on Equity (ROE) | 2.6343% | 5,371 |
| Retained earnings to average equity (ytd only) | 0.0255% | 5,223 |
| Net charge-offs to loans | 0.9508% | 1,300 |
| Credit loss provision to net charge-offs | 85.5019% | 5,776 |
| Earnings coverage of net charge-offs (x) | 1.1323% | 5,560 |
| Efficiency ratio | 83.7278% | 2,088 |
| Assets per employee ($millions) | 2.9054% | 6,286 |
| Cash dividends to net income (ytd only)* | 99.0317% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 3,905 |
| Loan loss allowance to noncurrent loans | 24.3906% | 7,037 |
| Noncurrent assets plus other real estate owned to assets | 3.6879% | 1,181 |
| Noncurrent loans to loans | 5.2606% | 807 |
| Net loans and leases to total assets | 50.3266% | 7,002 |
| Net loans and leases to deposits | 56.1342% | 7,310 |
| Net loans and leases to core deposits | 67.3067% | 7,316 |
| Total domestic deposits to total assets | 89.6541% | 781 |
| Equity capital to assets | 9.2334% | 5,026 |
| Core capital (leverage) ratio | 10.3491% | 3,118 |
| Tier 1 risk-based capital ratio | 14.7987% | 3,149 |
| Total risk-based capital ratio | 15.8779% | 3,157 |
| Memoranda: | ||
| Average total assets | $488,385,200 | 1,401 |
| Average earning assets | $438,937,000 | 1,426 |
| Average equity | $43,122,600 | 1,561 |
| Average total loans | $282,909,000 | 1,705 |