Home > United Bank of El Paso del Norte > Performance and Condition Ratios
United Bank of El Paso del Norte, Performance and Condition Ratios
| 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 | 5.0877% | 136 |
| Cost of funding earning assets | 0.1403% | 3,627 |
| Net interest margin | 4.9474% | 101 |
| Noninterest income to average assets | 0.2445% | 3,677 |
| Noninterest expense to average assets | 2.1077% | 3,116 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0502% | 1,693 |
| Return on assets (ROA) | 1.0502% | 1,685 |
| Pretax return on assets | 1.3277% | 1,435 |
| Return on Equity (ROE) | 9.8083% | 2,042 |
| Retained earnings to average equity (ytd only) | 5.8119% | 2,309 |
| 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 | 61.3523% | 3,340 |
| Assets per employee ($millions) | 7.6376% | 1,597 |
| Cash dividends to net income (ytd only)* | 40.7451% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2665% | 395 |
| Loan loss allowance to noncurrent loans | 445.2666% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 1,975 |
| Noncurrent loans to loans | 0.5090% | 1,750 |
| Net loans and leases to total assets | 55.0056% | 2,636 |
| Net loans and leases to deposits | 62.3127% | 2,690 |
| Net loans and leases to core deposits | 66.1862% | 2,619 |
| Total domestic deposits to total assets | 88.2736% | 2,397 |
| Equity capital to assets | 10.7594% | 1,463 |
| Core capital (leverage) ratio | 11.3868% | 1,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8753% | 920 |
| Memoranda: | ||
| Average total assets | $327,176,000 | 2,360 |
| Average earning assets | $211,020,000 | 2,920 |
| Average equity | $35,031,500 | 2,253 |
| Average total loans | $187,868,000 | 2,309 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4004% | 146 |
| Cost of funding earning assets | 0.2175% | 3,290 |
| Net interest margin | 5.1830% | 110 |
| Noninterest income to average assets | 0.2988% | 3,610 |
| Noninterest expense to average assets | 2.5859% | 1,907 |
| Loan and lease loss provision to assets | 0.1208% | 1,025 |
| Net operating income to assets | 1.2108% | 1,891 |
| Return on assets (ROA) | 1.2108% | 1,940 |
| Pretax return on assets | 1.4681% | 1,825 |
| Return on Equity (ROE) | 11.0506% | 2,147 |
| Retained earnings to average equity (ytd only) | 10.4628% | 810 |
| Net charge-offs to loans | 0.0029% | 2,514 |
| Credit loss provision to net charge-offs | 6,250.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 822.3333% | 181 |
| Efficiency ratio | 61.9408% | 2,880 |
| Assets per employee ($millions) | 7.5812% | 1,566 |
| Cash dividends to net income (ytd only)* | 5.3191% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0963% | 526 |
| Loan loss allowance to noncurrent loans | 445.2666% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.2755% | 2,173 |
| Noncurrent loans to loans | 0.4708% | 1,953 |
| Net loans and leases to total assets | 57.2905% | 2,444 |
| Net loans and leases to deposits | 64.7959% | 2,617 |
| Net loans and leases to core deposits | 68.6882% | 2,585 |
| Total domestic deposits to total assets | 88.4169% | 1,834 |
| Equity capital to assets | 10.6571% | 2,041 |
| Core capital (leverage) ratio | 11.0665% | 1,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8012% | 1,094 |
| Memoranda: | ||
| Average total assets | $310,535,400 | 2,392 |
| Average earning assets | $232,222,800 | 2,730 |
| Average equity | $34,025,200 | 2,331 |
| Average total loans | $207,395,000 | 2,191 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4356% | 158 |
| Cost of funding earning assets | 0.2343% | 3,268 |
| Net interest margin | 5.2013% | 121 |
| Noninterest income to average assets | 0.3242% | 3,490 |
| Noninterest expense to average assets | 2.5872% | 1,877 |
| Loan and lease loss provision to assets | 0.1641% | 669 |
| Net operating income to assets | 1.2634% | 1,946 |
| Return on assets (ROA) | 1.2634% | 2,002 |
| Pretax return on assets | 1.5832% | 1,756 |
| Return on Equity (ROE) | 11.4450% | 2,228 |
| Retained earnings to average equity (ytd only) | 10.6524% | 1,134 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6891% | 3,027 |
| Assets per employee ($millions) | 6.5562% | 2,202 |
| Cash dividends to net income (ytd only)* | 6.9252% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0292% | 598 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 61.5891% | 2,065 |
| Net loans and leases to deposits | 70.0660% | 2,239 |
| Net loans and leases to core deposits | 74.6927% | 2,174 |
| Total domestic deposits to total assets | 87.9015% | 1,902 |
| Equity capital to assets | 10.8773% | 2,101 |
| Core capital (leverage) ratio | 10.7430% | 1,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4514% | 1,258 |
| Memoranda: | ||
| Average total assets | $304,776,250 | 2,441 |
| Average earning assets | $234,987,750 | 2,737 |
| Average equity | $33,644,250 | 2,379 |
| Average total loans | $210,444,500 | 2,199 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4532% | 183 |
| Cost of funding earning assets | 0.2538% | 3,250 |
| Net interest margin | 5.1994% | 136 |
| Noninterest income to average assets | 0.3542% | 3,343 |
| Noninterest expense to average assets | 2.4706% | 2,239 |
| Loan and lease loss provision to assets | 0.2513% | 391 |
| Net operating income to assets | 1.3292% | 1,776 |
| Return on assets (ROA) | 1.3292% | 1,843 |
| Pretax return on assets | 1.7535% | 1,349 |
| Return on Equity (ROE) | 11.9780% | 2,076 |
| Retained earnings to average equity (ytd only) | 11.3757% | 1,038 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2038% | 3,643 |
| Assets per employee ($millions) | 6.5226% | 2,148 |
| Cash dividends to net income (ytd only)* | 5.0277% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9606% | 655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 64.1305% | 1,932 |
| Net loans and leases to deposits | 72.8200% | 2,133 |
| Net loans and leases to core deposits | 77.8482% | 2,058 |
| Total domestic deposits to total assets | 88.0672% | 1,786 |
| Equity capital to assets | 10.6450% | 2,273 |
| Core capital (leverage) ratio | 10.9609% | 1,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2898% | 1,267 |
| Memoranda: | ||
| Average total assets | $299,283,333 | 2,461 |
| Average earning assets | $237,219,333 | 2,707 |
| Average equity | $33,211,000 | 2,391 |
| Average total loans | $213,274,000 | 2,187 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9619% | 114 |
| Cost of funding earning assets | 0.2853% | 3,143 |
| Net interest margin | 5.6766% | 84 |
| Noninterest income to average assets | 0.4828% | 2,687 |
| Noninterest expense to average assets | 2.5387% | 2,057 |
| Loan and lease loss provision to assets | 0.5188% | 123 |
| Net operating income to assets | 1.6727% | 985 |
| Return on assets (ROA) | 1.6727% | 1,033 |
| Pretax return on assets | 2.1057% | 801 |
| Return on Equity (ROE) | 14.7414% | 1,271 |
| Retained earnings to average equity (ytd only) | 14.7414% | 654 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1693% | 4,254 |
| Assets per employee ($millions) | 6.1837% | 2,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9345% | 695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 69.9903% | 1,289 |
| Net loans and leases to deposits | 80.0674% | 1,521 |
| Net loans and leases to core deposits | 86.2487% | 1,503 |
| Total domestic deposits to total assets | 87.4141% | 2,132 |
| Equity capital to assets | 11.1618% | 1,748 |
| Core capital (leverage) ratio | 11.5188% | 1,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4145% | 1,442 |
| Memoranda: | ||
| Average total assets | $289,122,000 | 2,492 |
| Average earning assets | $238,381,500 | 2,689 |
| Average equity | $32,805,500 | 2,407 |
| Average total loans | $215,379,000 | 2,174 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6977% | 136 |
| Cost of funding earning assets | 0.4069% | 3,535 |
| Net interest margin | 5.2908% | 86 |
| Noninterest income to average assets | 0.2573% | 3,939 |
| Noninterest expense to average assets | 2.8266% | 1,880 |
| Loan and lease loss provision to assets | 0.5076% | 475 |
| Net operating income to assets | 1.1732% | 1,641 |
| Return on assets (ROA) | 1.2082% | 1,635 |
| Pretax return on assets | 1.5234% | 1,256 |
| Return on Equity (ROE) | 10.7320% | 1,731 |
| Retained earnings to average equity (ytd only) | 9.0003% | 769 |
| Net charge-offs to loans | 0.2791% | 613 |
| Credit loss provision to net charge-offs | 231.2187% | 2,012 |
| Earnings coverage of net charge-offs (x) | 9.0501% | 2,548 |
| Efficiency ratio | 58.7254% | 3,628 |
| Assets per employee ($millions) | 5.8631% | 2,480 |
| Cash dividends to net income (ytd only)* | 16.1359% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7006% | 1,033 |
| Loan loss allowance to noncurrent loans | 9,797.3684% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 4,344 |
| Noncurrent loans to loans | 0.0174% | 4,284 |
| Net loans and leases to total assets | 76.4653% | 738 |
| Net loans and leases to deposits | 87.8404% | 1,105 |
| Net loans and leases to core deposits | 95.6222% | 1,144 |
| Total domestic deposits to total assets | 87.0503% | 1,922 |
| Equity capital to assets | 11.5415% | 1,852 |
| Core capital (leverage) ratio | 11.1955% | 1,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6739% | 1,636 |
| Memoranda: | ||
| Average total assets | $272,874,600 | 2,444 |
| Average earning assets | $234,973,800 | 2,558 |
| Average equity | $30,721,200 | 2,448 |
| Average total loans | $214,633,400 | 2,139 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6066% | 182 |
| Cost of funding earning assets | 0.4042% | 3,786 |
| Net interest margin | 5.2024% | 103 |
| Noninterest income to average assets | 0.2354% | 4,090 |
| Noninterest expense to average assets | 2.8608% | 1,800 |
| Loan and lease loss provision to assets | 0.4458% | 732 |
| Net operating income to assets | 1.1196% | 1,916 |
| Return on assets (ROA) | 1.1667% | 1,877 |
| Pretax return on assets | 1.4828% | 1,479 |
| Return on Equity (ROE) | 10.4308% | 1,864 |
| Retained earnings to average equity (ytd only) | 8.0884% | 1,276 |
| Net charge-offs to loans | 0.3740% | 424 |
| Credit loss provision to net charge-offs | 151.0851% | 2,318 |
| Earnings coverage of net charge-offs (x) | 6.3356% | 2,657 |
| Efficiency ratio | 60.4852% | 3,312 |
| Assets per employee ($millions) | 6.2480% | 2,048 |
| Cash dividends to net income (ytd only)* | 22.4567% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 1,867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 77.7590% | 862 |
| Net loans and leases to deposits | 88.5031% | 1,428 |
| Net loans and leases to core deposits | 95.5785% | 1,493 |
| Total domestic deposits to total assets | 87.8602% | 1,282 |
| Equity capital to assets | 10.4947% | 2,795 |
| Core capital (leverage) ratio | 10.4655% | 2,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0884% | 1,802 |
| Memoranda: | ||
| Average total assets | $270,736,500 | 2,433 |
| Average earning assets | $233,885,250 | 2,551 |
| Average equity | $30,281,250 | 2,456 |
| Average total loans | $213,562,500 | 2,145 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6860% | 235 |
| Cost of funding earning assets | 0.4784% | 3,663 |
| Net interest margin | 5.2076% | 138 |
| Noninterest income to average assets | 0.2820% | 3,777 |
| Noninterest expense to average assets | 2.9861% | 1,612 |
| Loan and lease loss provision to assets | 0.4329% | 901 |
| Net operating income to assets | 1.0914% | 2,000 |
| Return on assets (ROA) | 1.1647% | 1,873 |
| Pretax return on assets | 1.4766% | 1,509 |
| Return on Equity (ROE) | 10.1728% | 1,932 |
| Retained earnings to average equity (ytd only) | 6.6123% | 1,821 |
| Net charge-offs to loans | 0.5817% | 268 |
| Credit loss provision to net charge-offs | 94.3239% | 2,445 |
| Earnings coverage of net charge-offs (x) | 3.9583% | 2,639 |
| Efficiency ratio | 62.1729% | 3,101 |
| Assets per employee ($millions) | 6.4227% | 1,848 |
| Cash dividends to net income (ytd only)* | 35.0000% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 2,430 |
| Loan loss allowance to noncurrent loans | 274.6452% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 2,893 |
| Noncurrent loans to loans | 0.4429% | 2,831 |
| Net loans and leases to total assets | 78.0964% | 834 |
| Net loans and leases to deposits | 90.6542% | 1,290 |
| Net loans and leases to core deposits | 97.9748% | 1,412 |
| Total domestic deposits to total assets | 86.1476% | 1,949 |
| Equity capital to assets | 10.1216% | 3,095 |
| Core capital (leverage) ratio | 10.0868% | 2,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5117% | 1,997 |
| Memoranda: | ||
| Average total assets | $261,013,667 | 2,473 |
| Average earning assets | $226,592,333 | 2,576 |
| Average equity | $29,883,667 | 2,474 |
| Average total loans | $205,934,667 | 2,176 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8337% | 207 |
| Cost of funding earning assets | 0.5771% | 3,550 |
| Net interest margin | 5.2566% | 135 |
| Noninterest income to average assets | 0.3674% | 3,314 |
| Noninterest expense to average assets | 3.1955% | 1,437 |
| Loan and lease loss provision to assets | 0.4406% | 689 |
| Net operating income to assets | 1.0325% | 2,068 |
| Return on assets (ROA) | 1.0325% | 2,167 |
| Pretax return on assets | 1.3351% | 1,765 |
| Return on Equity (ROE) | 8.4065% | 2,344 |
| Retained earnings to average equity (ytd only) | 6.6873% | 1,652 |
| Net charge-offs to loans | 1.2660% | 117 |
| Credit loss provision to net charge-offs | 44.1667% | 2,076 |
| Earnings coverage of net charge-offs (x) | 1.7800% | 2,342 |
| Efficiency ratio | 64.2809% | 3,193 |
| Assets per employee ($millions) | 5.1065% | 2,533 |
| Cash dividends to net income (ytd only)* | 20.4509% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 1,797 |
| Loan loss allowance to noncurrent loans | 199.5399% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.5320% | 2,398 |
| Noncurrent loans to loans | 0.6886% | 2,275 |
| Net loans and leases to total assets | 76.2017% | 1,267 |
| Net loans and leases to deposits | 90.1839% | 1,486 |
| Net loans and leases to core deposits | 100.0337% | 1,469 |
| Total domestic deposits to total assets | 84.4959% | 2,600 |
| Equity capital to assets | 12.1472% | 1,966 |
| Core capital (leverage) ratio | 12.3385% | 1,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6567% | 2,023 |
| Memoranda: | ||
| Average total assets | $240,586,500 | 2,551 |
| Average earning assets | $210,708,500 | 2,659 |
| Average equity | $29,548,500 | 2,486 |
| Average total loans | $189,576,500 | 2,265 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1547% | 178 |
| Cost of funding earning assets | 0.6770% | 3,273 |
| Net interest margin | 5.4777% | 118 |
| Noninterest income to average assets | 0.3967% | 3,314 |
| Noninterest expense to average assets | 3.2765% | 1,346 |
| Loan and lease loss provision to assets | 0.3196% | 501 |
| Net operating income to assets | 1.2509% | 1,867 |
| Return on assets (ROA) | 1.2535% | 1,939 |
| Pretax return on assets | 1.5813% | 1,538 |
| Return on Equity (ROE) | 10.9780% | 1,900 |
| Retained earnings to average equity (ytd only) | 10.9780% | 337 |
| Net charge-offs to loans | 0.1323% | 1,449 |
| Credit loss provision to net charge-offs | 313.7652% | 887 |
| Earnings coverage of net charge-offs (x) | 18.6316% | 2,048 |
| Efficiency ratio | 63.3248% | 3,169 |
| Assets per employee ($millions) | 5.2458% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5476% | 1,092 |
| Loan loss allowance to noncurrent loans | 97.3484% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 1.2780% | 877 |
| Noncurrent loans to loans | 1.5898% | 888 |
| Net loans and leases to total assets | 79.1467% | 907 |
| Net loans and leases to deposits | 96.4599% | 897 |
| Net loans and leases to core deposits | 108.5398% | 938 |
| Total domestic deposits to total assets | 82.0514% | 3,501 |
| Equity capital to assets | 12.4217% | 1,871 |
| Core capital (leverage) ratio | 11.8063% | 1,893 |
| Tier 1 risk-based capital ratio | 13.3601% | 3,599 |
| Total risk-based capital ratio | 14.6119% | 3,487 |
| Memoranda: | ||
| Average total assets | $242,515,400 | 2,509 |
| Average earning assets | $211,513,200 | 2,590 |
| Average equity | $27,691,800 | 2,514 |
| Average total loans | $186,709,800 | 2,257 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1043% | 204 |
| Cost of funding earning assets | 0.5693% | 3,821 |
| Net interest margin | 5.5350% | 115 |
| Noninterest income to average assets | 0.4194% | 3,205 |
| Noninterest expense to average assets | 3.3664% | 1,150 |
| Loan and lease loss provision to assets | 0.1939% | 916 |
| Net operating income to assets | 1.2871% | 1,899 |
| Return on assets (ROA) | 1.2905% | 1,977 |
| Pretax return on assets | 1.6903% | 1,363 |
| Return on Equity (ROE) | 11.5474% | 1,786 |
| Retained earnings to average equity (ytd only) | 11.5474% | 442 |
| Net charge-offs to loans | 0.0323% | 2,430 |
| Credit loss provision to net charge-offs | 788.8889% | 437 |
| Earnings coverage of net charge-offs (x) | 76.4870% | 884 |
| Efficiency ratio | 64.1682% | 2,979 |
| Assets per employee ($millions) | 5.3059% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 1,327 |
| Loan loss allowance to noncurrent loans | 137.6012% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.7759% | 1,777 |
| Noncurrent loans to loans | 1.0699% | 1,489 |
| Net loans and leases to total assets | 71.4481% | 2,255 |
| Net loans and leases to deposits | 84.4528% | 2,392 |
| Net loans and leases to core deposits | 94.0986% | 2,170 |
| Total domestic deposits to total assets | 84.6013% | 2,581 |
| Equity capital to assets | 11.2481% | 2,880 |
| Core capital (leverage) ratio | 11.7934% | 2,000 |
| Tier 1 risk-based capital ratio | 13.1506% | 3,760 |
| Total risk-based capital ratio | 14.4005% | 3,675 |
| Memoranda: | ||
| Average total assets | $244,128,500 | 2,518 |
| Average earning assets | $212,895,250 | 2,604 |
| Average equity | $27,284,000 | 2,554 |
| Average total loans | $185,944,000 | 2,289 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2109% | 166 |
| Cost of funding earning assets | 0.7183% | 3,061 |
| Net interest margin | 5.4926% | 123 |
| Noninterest income to average assets | 0.4572% | 2,923 |
| Noninterest expense to average assets | 3.3498% | 1,194 |
| Loan and lease loss provision to assets | 0.2078% | 815 |
| Net operating income to assets | 1.2851% | 1,830 |
| Return on assets (ROA) | 1.2851% | 1,889 |
| Pretax return on assets | 1.6924% | 1,284 |
| Return on Equity (ROE) | 11.5246% | 1,771 |
| Retained earnings to average equity (ytd only) | 11.5246% | 477 |
| Net charge-offs to loans | 0.0494% | 1,941 |
| Credit loss provision to net charge-offs | 543.4783% | 567 |
| Earnings coverage of net charge-offs (x) | 49.6957% | 1,100 |
| Efficiency ratio | 63.8062% | 3,162 |
| Assets per employee ($millions) | 5.2927% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 1,550 |
| Loan loss allowance to noncurrent loans | 123.5461% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.8880% | 1,579 |
| Noncurrent loans to loans | 1.1452% | 1,419 |
| Net loans and leases to total assets | 76.4454% | 1,482 |
| Net loans and leases to deposits | 92.5463% | 1,431 |
| Net loans and leases to core deposits | 104.0733% | 1,384 |
| Total domestic deposits to total assets | 82.6023% | 3,332 |
| Equity capital to assets | 11.6606% | 2,480 |
| Core capital (leverage) ratio | 11.5161% | 2,152 |
| Tier 1 risk-based capital ratio | 12.8038% | 3,945 |
| Total risk-based capital ratio | 14.0141% | 3,873 |
| Memoranda: | ||
| Average total assets | $240,610,000 | 2,550 |
| Average earning assets | $209,953,330 | 2,639 |
| Average equity | $26,829,670 | 2,576 |
| Average total loans | $186,363,330 | 2,290 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2322% | 153 |
| Cost of funding earning assets | 0.7625% | 2,719 |
| Net interest margin | 5.4697% | 128 |
| Noninterest income to average assets | 0.5789% | 2,147 |
| Noninterest expense to average assets | 3.3263% | 1,237 |
| Loan and lease loss provision to assets | 0.2977% | 435 |
| Net operating income to assets | 1.3696% | 1,460 |
| Return on assets (ROA) | 1.3696% | 1,502 |
| Pretax return on assets | 1.7368% | 1,121 |
| Return on Equity (ROE) | 12.5652% | 1,364 |
| Retained earnings to average equity (ytd only) | 12.5652% | 532 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0488% | 3,529 |
| Assets per employee ($millions) | 4.9594% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4131% | 1,629 |
| Loan loss allowance to noncurrent loans | 81.6719% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.3317% | 964 |
| Noncurrent loans to loans | 1.7302% | 890 |
| Net loans and leases to total assets | 75.8768% | 1,508 |
| Net loans and leases to deposits | 90.8882% | 1,521 |
| Net loans and leases to core deposits | 104.1679% | 1,309 |
| Total domestic deposits to total assets | 83.4837% | 3,223 |
| Equity capital to assets | 11.2754% | 2,583 |
| Core capital (leverage) ratio | 11.0706% | 2,511 |
| Tier 1 risk-based capital ratio | 12.4233% | 4,221 |
| Total risk-based capital ratio | 13.6179% | 4,122 |
| Memoranda: | ||
| Average total assets | $241,830,000 | 2,569 |
| Average earning assets | $211,419,000 | 2,655 |
| Average equity | $26,358,500 | 2,614 |
| Average total loans | $187,203,500 | 2,303 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9044% | 195 |
| Cost of funding earning assets | 0.6116% | 2,638 |
| Net interest margin | 5.2928% | 163 |
| Noninterest income to average assets | 0.3100% | 4,041 |
| Noninterest expense to average assets | 3.1942% | 1,569 |
| Loan and lease loss provision to assets | 0.2655% | 635 |
| Net operating income to assets | 1.1818% | 2,260 |
| Return on assets (ROA) | 1.1818% | 2,253 |
| Pretax return on assets | 1.4562% | 1,925 |
| Return on Equity (ROE) | 11.2871% | 1,974 |
| Retained earnings to average equity (ytd only) | 11.2871% | 394 |
| Net charge-offs to loans | 0.2037% | 939 |
| Credit loss provision to net charge-offs | 171.7452% | 1,630 |
| Earnings coverage of net charge-offs (x) | 11.1385% | 2,655 |
| Efficiency ratio | 64.9769% | 3,028 |
| Assets per employee ($millions) | 5.4580% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 2,252 |
| Loan loss allowance to noncurrent loans | 90.5944% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.2292% | 1,050 |
| Noncurrent loans to loans | 1.3902% | 1,123 |
| Net loans and leases to total assets | 76.8638% | 1,461 |
| Net loans and leases to deposits | 96.5855% | 1,018 |
| Net loans and leases to core deposits | 112.2130% | 871 |
| Total domestic deposits to total assets | 79.5811% | 4,197 |
| Equity capital to assets | 10.5354% | 3,147 |
| Core capital (leverage) ratio | 10.5565% | 2,960 |
| Tier 1 risk-based capital ratio | 11.7217% | 4,616 |
| Total risk-based capital ratio | 12.8034% | 4,600 |
| Memoranda: | ||
| Average total assets | $233,546,600 | 2,591 |
| Average earning assets | $203,238,400 | 2,697 |
| Average equity | $24,452,800 | 2,684 |
| Average total loans | $177,222,200 | 2,353 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8610% | 193 |
| Cost of funding earning assets | 0.6035% | 2,450 |
| Net interest margin | 5.2575% | 162 |
| Noninterest income to average assets | 0.3169% | 4,031 |
| Noninterest expense to average assets | 3.1827% | 1,561 |
| Loan and lease loss provision to assets | 0.2285% | 715 |
| Net operating income to assets | 1.1463% | 2,451 |
| Return on assets (ROA) | 1.1463% | 2,464 |
| Pretax return on assets | 1.4708% | 1,994 |
| Return on Equity (ROE) | 10.9665% | 2,192 |
| Retained earnings to average equity (ytd only) | 10.9665% | 656 |
| Net charge-offs to loans | 0.2801% | 600 |
| Credit loss provision to net charge-offs | 108.2192% | 2,135 |
| Earnings coverage of net charge-offs (x) | 8.0494% | 2,754 |
| Efficiency ratio | 65.1937% | 3,005 |
| Assets per employee ($millions) | 4.9422% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 2,474 |
| Loan loss allowance to noncurrent loans | 172.8787% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.6698% | 2,192 |
| Noncurrent loans to loans | 0.7095% | 2,304 |
| Net loans and leases to total assets | 72.4906% | 2,254 |
| Net loans and leases to deposits | 88.7988% | 2,050 |
| Net loans and leases to core deposits | 103.4089% | 1,497 |
| Total domestic deposits to total assets | 81.6347% | 3,702 |
| Equity capital to assets | 10.3118% | 3,322 |
| Core capital (leverage) ratio | 10.5445% | 3,044 |
| Tier 1 risk-based capital ratio | 12.0319% | 4,484 |
| Total risk-based capital ratio | 13.0680% | 4,485 |
| Memoranda: | ||
| Average total assets | $230,530,500 | 2,620 |
| Average earning assets | $200,165,000 | 2,737 |
| Average equity | $24,097,000 | 2,730 |
| Average total loans | $173,729,250 | 2,405 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8469% | 184 |
| Cost of funding earning assets | 0.5922% | 2,278 |
| Net interest margin | 5.2547% | 153 |
| Noninterest income to average assets | 0.3291% | 3,987 |
| Noninterest expense to average assets | 3.2411% | 1,450 |
| Loan and lease loss provision to assets | 0.2824% | 503 |
| Net operating income to assets | 1.0518% | 2,797 |
| Return on assets (ROA) | 1.0518% | 2,789 |
| Pretax return on assets | 1.3624% | 2,286 |
| Return on Equity (ROE) | 10.0146% | 2,558 |
| Retained earnings to average equity (ytd only) | 10.0146% | 925 |
| Net charge-offs to loans | 0.0394% | 2,065 |
| Credit loss provision to net charge-offs | 941.1765% | 428 |
| Earnings coverage of net charge-offs (x) | 54.8235% | 1,063 |
| Efficiency ratio | 66.3356% | 2,922 |
| Assets per employee ($millions) | 4.9302% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 1,919 |
| Loan loss allowance to noncurrent loans | 82.0478% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.2546% | 1,135 |
| Noncurrent loans to loans | 1.6525% | 968 |
| Net loans and leases to total assets | 74.8921% | 1,804 |
| Net loans and leases to deposits | 92.3040% | 1,550 |
| Net loans and leases to core deposits | 107.8992% | 1,124 |
| Total domestic deposits to total assets | 81.1364% | 3,958 |
| Equity capital to assets | 10.2750% | 3,363 |
| Core capital (leverage) ratio | 10.5731% | 2,953 |
| Tier 1 risk-based capital ratio | 11.4481% | 4,807 |
| Total risk-based capital ratio | 12.5851% | 4,775 |
| Memoranda: | ||
| Average total assets | $226,651,330 | 2,667 |
| Average earning assets | $196,548,670 | 2,788 |
| Average equity | $23,805,330 | 2,769 |
| Average total loans | $172,396,000 | 2,426 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8118% | 179 |
| Cost of funding earning assets | 0.3678% | 3,848 |
| Net interest margin | 5.4440% | 115 |
| Noninterest income to average assets | 0.1714% | 4,993 |
| Noninterest expense to average assets | 3.2664% | 1,414 |
| Loan and lease loss provision to assets | 0.2617% | 544 |
| Net operating income to assets | 1.0593% | 2,614 |
| Return on assets (ROA) | 1.0593% | 2,623 |
| Pretax return on assets | 1.3715% | 2,094 |
| Return on Equity (ROE) | 9.9703% | 2,451 |
| Retained earnings to average equity (ytd only) | 9.9703% | 1,168 |
| Net charge-offs to loans | -0.0024% | 3,832 |
| Credit loss provision to net charge-offs | -14,500.0000% | 4,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 3,051 |
| Assets per employee ($millions) | 4.6921% | 2,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 2,198 |
| Loan loss allowance to noncurrent loans | 154.0940% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.6481% | 2,381 |
| Noncurrent loans to loans | 0.8502% | 2,119 |
| Net loans and leases to total assets | 75.2290% | 1,667 |
| Net loans and leases to deposits | 93.5739% | 1,271 |
| Net loans and leases to core deposits | 107.5541% | 1,154 |
| Total domestic deposits to total assets | 80.3953% | 4,343 |
| Equity capital to assets | 10.3313% | 3,238 |
| Core capital (leverage) ratio | 10.7216% | 2,716 |
| Tier 1 risk-based capital ratio | 11.5697% | 4,830 |
| Total risk-based capital ratio | 12.6802% | 4,797 |
| Memoranda: | ||
| Average total assets | $221,651,500 | 2,743 |
| Average earning assets | $192,506,000 | 2,857 |
| Average equity | $23,550,000 | 2,817 |
| Average total loans | $168,759,500 | 2,489 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5593% | 243 |
| Cost of funding earning assets | 0.5023% | 2,317 |
| Net interest margin | 5.0570% | 216 |
| Noninterest income to average assets | 0.3500% | 3,961 |
| Noninterest expense to average assets | 3.3974% | 1,199 |
| Loan and lease loss provision to assets | 0.2924% | 594 |
| Net operating income to assets | 0.6274% | 3,898 |
| Return on assets (ROA) | 0.6274% | 3,936 |
| Pretax return on assets | 1.0350% | 3,435 |
| Return on Equity (ROE) | 6.0279% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.0279% | 1,526 |
| Net charge-offs to loans | 0.2776% | 941 |
| Credit loss provision to net charge-offs | 139.7380% | 1,892 |
| Earnings coverage of net charge-offs (x) | 6.3428% | 3,196 |
| Efficiency ratio | 71.9052% | 2,237 |
| Assets per employee ($millions) | 4.4456% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 2,093 |
| Loan loss allowance to noncurrent loans | 147.5635% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.6828% | 2,270 |
| Noncurrent loans to loans | 0.8979% | 1,981 |
| Net loans and leases to total assets | 75.0325% | 1,747 |
| Net loans and leases to deposits | 96.3537% | 1,057 |
| Net loans and leases to core deposits | 110.0896% | 997 |
| Total domestic deposits to total assets | 77.8719% | 4,734 |
| Equity capital to assets | 10.9411% | 2,686 |
| Core capital (leverage) ratio | 10.6705% | 2,677 |
| Tier 1 risk-based capital ratio | 12.2782% | 4,350 |
| Total risk-based capital ratio | 13.4094% | 4,320 |
| Memoranda: | ||
| Average total assets | $218,846,800 | 2,735 |
| Average earning assets | $189,321,800 | 2,874 |
| Average equity | $22,777,400 | 2,880 |
| Average total loans | $164,983,000 | 2,482 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5119% | 249 |
| Cost of funding earning assets | 0.4930% | 2,325 |
| Net interest margin | 5.0190% | 223 |
| Noninterest income to average assets | 0.3494% | 4,035 |
| Noninterest expense to average assets | 3.3567% | 1,232 |
| Loan and lease loss provision to assets | 0.3875% | 359 |
| Net operating income to assets | 0.6987% | 3,996 |
| Return on assets (ROA) | 0.6987% | 4,054 |
| Pretax return on assets | 0.9512% | 3,862 |
| Return on Equity (ROE) | 6.7976% | 3,768 |
| Retained earnings to average equity (ytd only) | 6.7976% | 1,797 |
| Net charge-offs to loans | 0.3501% | 604 |
| Credit loss provision to net charge-offs | 147.1264% | 1,715 |
| Earnings coverage of net charge-offs (x) | 5.0827% | 3,153 |
| Efficiency ratio | 71.4894% | 2,283 |
| Assets per employee ($millions) | 4.6797% | 2,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3607% | 2,076 |
| Loan loss allowance to noncurrent loans | 277.1684% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.3564% | 3,607 |
| Noncurrent loans to loans | 0.4909% | 3,221 |
| Net loans and leases to total assets | 71.6215% | 2,314 |
| Net loans and leases to deposits | 90.7792% | 1,719 |
| Net loans and leases to core deposits | 103.6566% | 1,412 |
| Total domestic deposits to total assets | 78.8964% | 4,548 |
| Equity capital to assets | 10.5693% | 3,292 |
| Core capital (leverage) ratio | 10.6258% | 2,852 |
| Tier 1 risk-based capital ratio | 12.3475% | 4,408 |
| Total risk-based capital ratio | 13.5082% | 4,361 |
| Memoranda: | ||
| Average total assets | $220,211,250 | 2,747 |
| Average earning assets | $190,684,500 | 2,884 |
| Average equity | $22,635,000 | 2,913 |
| Average total loans | $165,663,500 | 2,486 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4359% | 267 |
| Cost of funding earning assets | 0.4872% | 2,274 |
| Net interest margin | 4.9487% | 241 |
| Noninterest income to average assets | 0.3495% | 4,054 |
| Noninterest expense to average assets | 3.3228% | 1,331 |
| Loan and lease loss provision to assets | 0.3858% | 356 |
| Net operating income to assets | 0.6582% | 4,038 |
| Return on assets (ROA) | 0.6582% | 4,098 |
| Pretax return on assets | 0.9287% | 3,835 |
| Return on Equity (ROE) | 6.4643% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.4643% | 1,870 |
| Net charge-offs to loans | 0.5189% | 374 |
| Credit loss provision to net charge-offs | 97.7011% | 2,058 |
| Earnings coverage of net charge-offs (x) | 3.3287% | 3,059 |
| Efficiency ratio | 71.6523% | 2,404 |
| Assets per employee ($millions) | 4.7642% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 3,031 |
| Loan loss allowance to noncurrent loans | 268.5871% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 3,795 |
| Noncurrent loans to loans | 0.4459% | 3,417 |
| Net loans and leases to total assets | 73.7055% | 1,926 |
| Net loans and leases to deposits | 93.8445% | 1,281 |
| Net loans and leases to core deposits | 108.1526% | 1,101 |
| Total domestic deposits to total assets | 78.5400% | 4,719 |
| Equity capital to assets | 10.4316% | 3,428 |
| Core capital (leverage) ratio | 10.2440% | 3,216 |
| Tier 1 risk-based capital ratio | 11.8867% | 4,711 |
| Total risk-based capital ratio | 12.9125% | 4,743 |
| Memoranda: | ||
| Average total assets | $220,299,000 | 2,764 |
| Average earning assets | $190,879,670 | 2,899 |
| Average equity | $22,431,000 | 2,933 |
| Average total loans | $167,650,330 | 2,469 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5918% | 201 |
| Cost of funding earning assets | 0.4625% | 2,408 |
| Net interest margin | 5.1292% | 174 |
| Noninterest income to average assets | 0.2101% | 5,008 |
| Noninterest expense to average assets | 3.2489% | 1,482 |
| Loan and lease loss provision to assets | 0.3531% | 333 |
| Net operating income to assets | 0.8023% | 3,212 |
| Return on assets (ROA) | 0.8023% | 3,270 |
| Pretax return on assets | 1.0667% | 3,101 |
| Return on Equity (ROE) | 7.9762% | 2,934 |
| Retained earnings to average equity (ytd only) | 7.9762% | 1,470 |
| Net charge-offs to loans | 0.1178% | 1,224 |
| Credit loss provision to net charge-offs | 390.0000% | 659 |
| Earnings coverage of net charge-offs (x) | 15.6800% | 1,665 |
| Efficiency ratio | 69.5888% | 2,957 |
| Assets per employee ($millions) | 4.9993% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 2,890 |
| Loan loss allowance to noncurrent loans | 235.5630% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 3,602 |
| Noncurrent loans to loans | 0.5263% | 3,236 |
| Net loans and leases to total assets | 74.8231% | 1,612 |
| Net loans and leases to deposits | 95.0174% | 1,012 |
| Net loans and leases to core deposits | 107.9745% | 981 |
| Total domestic deposits to total assets | 78.7468% | 4,871 |
| Equity capital to assets | 9.9819% | 3,780 |
| Core capital (leverage) ratio | 10.0992% | 3,377 |
| Tier 1 risk-based capital ratio | 11.3744% | 5,104 |
| Total risk-based capital ratio | 12.4470% | 5,101 |
| Memoranda: | ||
| Average total assets | $220,872,500 | 2,785 |
| Average earning assets | $191,997,000 | 2,909 |
| Average equity | $22,216,000 | 2,966 |
| Average total loans | $169,733,000 | 2,462 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2763% | 369 |
| Cost of funding earning assets | 0.4774% | 2,280 |
| Net interest margin | 4.7989% | 350 |
| Noninterest income to average assets | 0.3657% | 4,127 |
| Noninterest expense to average assets | 3.0908% | 2,069 |
| Loan and lease loss provision to assets | 0.2785% | 719 |
| Net operating income to assets | 0.9093% | 2,773 |
| Return on assets (ROA) | 0.8953% | 2,969 |
| Pretax return on assets | 1.1636% | 2,839 |
| Return on Equity (ROE) | 9.0148% | 2,408 |
| Retained earnings to average equity (ytd only) | 8.7811% | 634 |
| Net charge-offs to loans | 0.1904% | 1,453 |
| Credit loss provision to net charge-offs | 194.1748% | 1,455 |
| Earnings coverage of net charge-offs (x) | 10.1812% | 2,664 |
| Efficiency ratio | 67.9143% | 3,250 |
| Assets per employee ($millions) | 4.9239% | 2,478 |
| Cash dividends to net income (ytd only)* | 2.5920% | 4,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 3,342 |
| Loan loss allowance to noncurrent loans | 84.6816% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.0727% | 1,760 |
| Noncurrent loans to loans | 1.3749% | 1,490 |
| Net loans and leases to total assets | 77.1085% | 1,344 |
| Net loans and leases to deposits | 95.8407% | 1,012 |
| Net loans and leases to core deposits | 109.2640% | 946 |
| Total domestic deposits to total assets | 80.4548% | 4,461 |
| Equity capital to assets | 10.1707% | 3,520 |
| Core capital (leverage) ratio | 10.2608% | 3,158 |
| Tier 1 risk-based capital ratio | 11.2338% | 5,200 |
| Total risk-based capital ratio | 12.2372% | 5,242 |
| Memoranda: | ||
| Average total assets | $215,448,000 | 2,800 |
| Average earning assets | $187,897,400 | 2,918 |
| Average equity | $21,398,200 | 3,033 |
| Average total loans | $162,323,800 | 2,497 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2852% | 376 |
| Cost of funding earning assets | 0.4895% | 2,179 |
| Net interest margin | 4.7957% | 368 |
| Noninterest income to average assets | 0.3762% | 4,092 |
| Noninterest expense to average assets | 3.0719% | 2,092 |
| Loan and lease loss provision to assets | 0.2603% | 701 |
| Net operating income to assets | 0.8918% | 2,951 |
| Return on assets (ROA) | 0.8918% | 3,081 |
| Pretax return on assets | 1.2270% | 2,720 |
| Return on Equity (ROE) | 9.0335% | 2,466 |
| Retained earnings to average equity (ytd only) | 8.7196% | 901 |
| Net charge-offs to loans | 0.2838% | 805 |
| Credit loss provision to net charge-offs | 122.8070% | 2,055 |
| Earnings coverage of net charge-offs (x) | 7.0175% | 2,931 |
| Efficiency ratio | 67.3780% | 3,343 |
| Assets per employee ($millions) | 5.3677% | 1,984 |
| Cash dividends to net income (ytd only)* | 3.4749% | 3,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 3,886 |
| Loan loss allowance to noncurrent loans | 5,484.3750% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 5,461 |
| Noncurrent loans to loans | 0.0199% | 5,313 |
| Net loans and leases to total assets | 74.1930% | 1,840 |
| Net loans and leases to deposits | 90.8121% | 1,656 |
| Net loans and leases to core deposits | 104.6409% | 1,299 |
| Total domestic deposits to total assets | 81.6994% | 4,040 |
| Equity capital to assets | 10.2283% | 3,882 |
| Core capital (leverage) ratio | 10.0389% | 3,520 |
| Tier 1 risk-based capital ratio | 11.5394% | 5,064 |
| Total risk-based capital ratio | 12.4800% | 5,145 |
| Memoranda: | ||
| Average total assets | $215,147,000 | 2,812 |
| Average earning assets | $187,662,500 | 2,936 |
| Average equity | $21,239,000 | 3,069 |
| Average total loans | $160,648,500 | 2,515 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3285% | 339 |
| Cost of funding earning assets | 0.4951% | 2,141 |
| Net interest margin | 4.8334% | 348 |
| Noninterest income to average assets | 0.3818% | 4,010 |
| Noninterest expense to average assets | 3.1055% | 2,044 |
| Loan and lease loss provision to assets | 0.3344% | 493 |
| Net operating income to assets | 0.8825% | 2,952 |
| Return on assets (ROA) | 0.8825% | 3,072 |
| Pretax return on assets | 1.1677% | 2,916 |
| Return on Equity (ROE) | 9.0483% | 2,480 |
| Retained earnings to average equity (ytd only) | 8.5721% | 986 |
| Net charge-offs to loans | 0.4274% | 527 |
| Credit loss provision to net charge-offs | 104.9563% | 2,031 |
| Earnings coverage of net charge-offs (x) | 4.7143% | 2,952 |
| Efficiency ratio | 67.3992% | 3,468 |
| Assets per employee ($millions) | 5.1137% | 2,182 |
| Cash dividends to net income (ytd only)* | 5.2632% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0749% | 4,083 |
| Loan loss allowance to noncurrent loans | 5,293.7500% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 5,550 |
| Noncurrent loans to loans | 0.0203% | 5,390 |
| Net loans and leases to total assets | 72.5902% | 2,069 |
| Net loans and leases to deposits | 89.1814% | 1,842 |
| Net loans and leases to core deposits | 103.5975% | 1,355 |
| Total domestic deposits to total assets | 81.3961% | 4,162 |
| Equity capital to assets | 10.0309% | 4,188 |
| Core capital (leverage) ratio | 9.7599% | 3,855 |
| Tier 1 risk-based capital ratio | 11.3330% | 5,258 |
| Total risk-based capital ratio | 12.2453% | 5,348 |
| Memoranda: | ||
| Average total assets | $215,293,000 | 2,823 |
| Average earning assets | $188,233,670 | 2,953 |
| Average equity | $20,998,330 | 3,096 |
| Average total loans | $160,513,330 | 2,526 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2956% | 359 |
| Cost of funding earning assets | 0.5013% | 2,094 |
| Net interest margin | 4.7943% | 361 |
| Noninterest income to average assets | 0.4231% | 3,661 |
| Noninterest expense to average assets | 3.0731% | 2,168 |
| Loan and lease loss provision to assets | 0.3340% | 449 |
| Net operating income to assets | 0.9093% | 2,705 |
| Return on assets (ROA) | 0.9093% | 2,826 |
| Pretax return on assets | 1.2044% | 2,682 |
| Return on Equity (ROE) | 9.4569% | 2,213 |
| Retained earnings to average equity (ytd only) | 8.4920% | 1,267 |
| Net charge-offs to loans | 0.3433% | 650 |
| Credit loss provision to net charge-offs | 129.4964% | 1,367 |
| Earnings coverage of net charge-offs (x) | 5.9640% | 2,279 |
| Efficiency ratio | 66.6398% | 3,695 |
| Assets per employee ($millions) | 4.7073% | 2,731 |
| Cash dividends to net income (ytd only)* | 10.2041% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 4,330 |
| Loan loss allowance to noncurrent loans | 2,526.4706% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 5,518 |
| Noncurrent loans to loans | 0.0416% | 5,328 |
| Net loans and leases to total assets | 74.6919% | 1,618 |
| Net loans and leases to deposits | 91.9429% | 1,356 |
| Net loans and leases to core deposits | 103.6159% | 1,209 |
| Total domestic deposits to total assets | 81.2372% | 4,421 |
| Equity capital to assets | 9.6843% | 4,466 |
| Core capital (leverage) ratio | 9.6090% | 4,025 |
| Tier 1 risk-based capital ratio | 10.7324% | 5,649 |
| Total risk-based capital ratio | 11.6282% | 5,718 |
| Memoranda: | ||
| Average total assets | $215,551,000 | 2,827 |
| Average earning assets | $188,307,500 | 2,956 |
| Average equity | $20,725,500 | 3,127 |
| Average total loans | $161,969,500 | 2,506 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1310% | 488 |
| Cost of funding earning assets | 0.4753% | 2,395 |
| Net interest margin | 4.6556% | 494 |
| Noninterest income to average assets | 0.2538% | 5,075 |
| Noninterest expense to average assets | 2.8742% | 2,952 |
| Loan and lease loss provision to assets | 0.2852% | 627 |
| Net operating income to assets | 0.8683% | 3,031 |
| Return on assets (ROA) | 1.0428% | 2,246 |
| Pretax return on assets | 1.4521% | 1,711 |
| Return on Equity (ROE) | 11.3007% | 1,507 |
| Retained earnings to average equity (ytd only) | 11.3007% | 308 |
| Net charge-offs to loans | 0.3542% | 836 |
| Credit loss provision to net charge-offs | 111.5242% | 2,267 |
| Earnings coverage of net charge-offs (x) | 5.8457% | 3,319 |
| Efficiency ratio | 65.7855% | 3,939 |
| Assets per employee ($millions) | 5.1078% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0973% | 4,067 |
| Loan loss allowance to noncurrent loans | 807.7982% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.1524% | 4,984 |
| Noncurrent loans to loans | 0.1358% | 4,948 |
| Net loans and leases to total assets | 73.9892% | 1,732 |
| Net loans and leases to deposits | 94.9721% | 1,116 |
| Net loans and leases to core deposits | 107.9688% | 973 |
| Total domestic deposits to total assets | 77.9062% | 5,186 |
| Equity capital to assets | 9.5182% | 4,532 |
| Core capital (leverage) ratio | 9.4845% | 4,195 |
| Tier 1 risk-based capital ratio | 10.6766% | 5,689 |
| Total risk-based capital ratio | 11.6130% | 5,760 |
| Memoranda: | ||
| Average total assets | $210,388,000 | 2,842 |
| Average earning assets | $185,968,800 | 2,931 |
| Average equity | $19,414,800 | 3,229 |
| Average total loans | $151,899,400 | 2,570 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1130% | 504 |
| Cost of funding earning assets | 0.4764% | 2,442 |
| Net interest margin | 4.6366% | 507 |
| Noninterest income to average assets | 0.2828% | 4,923 |
| Noninterest expense to average assets | 2.9130% | 2,804 |
| Loan and lease loss provision to assets | 0.2866% | 540 |
| Net operating income to assets | 0.8329% | 3,267 |
| Return on assets (ROA) | 1.0094% | 2,522 |
| Pretax return on assets | 1.4450% | 1,848 |
| Return on Equity (ROE) | 11.0275% | 1,694 |
| Retained earnings to average equity (ytd only) | 11.0275% | 473 |
| Net charge-offs to loans | 0.4808% | 509 |
| Credit loss provision to net charge-offs | 83.3333% | 2,559 |
| Earnings coverage of net charge-offs (x) | 4.3019% | 3,372 |
| Efficiency ratio | 66.3187% | 3,834 |
| Assets per employee ($millions) | 5.0236% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 4,600 |
| Loan loss allowance to noncurrent loans | 1,094.5578% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 5,268 |
| Noncurrent loans to loans | 0.0939% | 5,254 |
| Net loans and leases to total assets | 73.4458% | 1,832 |
| Net loans and leases to deposits | 91.1735% | 1,503 |
| Net loans and leases to core deposits | 103.2144% | 1,289 |
| Total domestic deposits to total assets | 80.5560% | 4,592 |
| Equity capital to assets | 9.4122% | 4,869 |
| Core capital (leverage) ratio | 9.2434% | 4,676 |
| Tier 1 risk-based capital ratio | 10.9189% | 5,691 |
| Total risk-based capital ratio | 11.8212% | 5,785 |
| Memoranda: | ||
| Average total assets | $209,353,500 | 2,880 |
| Average earning assets | $185,562,500 | 2,959 |
| Average equity | $19,163,750 | 3,283 |
| Average total loans | $149,752,500 | 2,611 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0929% | 512 |
| Cost of funding earning assets | 0.4761% | 2,465 |
| Net interest margin | 4.6168% | 521 |
| Noninterest income to average assets | 0.2845% | 4,927 |
| Noninterest expense to average assets | 2.9376% | 2,758 |
| Loan and lease loss provision to assets | 0.2873% | 556 |
| Net operating income to assets | 0.7765% | 3,505 |
| Return on assets (ROA) | 1.0344% | 2,324 |
| Pretax return on assets | 1.5162% | 1,599 |
| Return on Equity (ROE) | 11.4093% | 1,555 |
| Retained earnings to average equity (ytd only) | 11.4093% | 455 |
| Net charge-offs to loans | -0.0814% | 5,708 |
| Credit loss provision to net charge-offs | -500.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3474% | 3,782 |
| Assets per employee ($millions) | 4.7375% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 3,022 |
| Loan loss allowance to noncurrent loans | 260.6329% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.3790% | 4,378 |
| Noncurrent loans to loans | 0.5149% | 3,913 |
| Net loans and leases to total assets | 72.6202% | 1,879 |
| Net loans and leases to deposits | 88.5623% | 1,765 |
| Net loans and leases to core deposits | 99.8503% | 1,502 |
| Total domestic deposits to total assets | 81.9990% | 4,295 |
| Equity capital to assets | 9.2493% | 4,957 |
| Core capital (leverage) ratio | 8.9556% | 5,027 |
| Tier 1 risk-based capital ratio | 11.3133% | 5,572 |
| Total risk-based capital ratio | 12.5416% | 5,505 |
| Memoranda: | ||
| Average total assets | $208,807,670 | 2,905 |
| Average earning assets | $184,412,670 | 2,998 |
| Average equity | $18,932,000 | 3,323 |
| Average total loans | $147,479,000 | 2,655 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9645% | 605 |
| Cost of funding earning assets | 0.4674% | 2,585 |
| Net interest margin | 4.4971% | 605 |
| Noninterest income to average assets | 0.2622% | 5,078 |
| Noninterest expense to average assets | 2.8691% | 3,007 |
| Loan and lease loss provision to assets | 0.2871% | 517 |
| Net operating income to assets | 0.6992% | 3,804 |
| Return on assets (ROA) | 1.1005% | 1,978 |
| Pretax return on assets | 1.6460% | 1,164 |
| Return on Equity (ROE) | 12.2614% | 1,278 |
| Retained earnings to average equity (ytd only) | 12.2614% | 537 |
| Net charge-offs to loans | 0.0692% | 2,036 |
| Credit loss provision to net charge-offs | 600.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 27.8800% | 1,191 |
| Efficiency ratio | 68.2605% | 3,778 |
| Assets per employee ($millions) | 4.9207% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 3,929 |
| Loan loss allowance to noncurrent loans | 317.2174% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 1.1603% | 2,312 |
| Noncurrent loans to loans | 0.3809% | 4,453 |
| Net loans and leases to total assets | 70.4861% | 2,072 |
| Net loans and leases to deposits | 88.3679% | 1,578 |
| Net loans and leases to core deposits | 100.5244% | 1,285 |
| Total domestic deposits to total assets | 79.7644% | 5,102 |
| Equity capital to assets | 8.9616% | 5,339 |
| Core capital (leverage) ratio | 8.9136% | 5,059 |
| Tier 1 risk-based capital ratio | 11.1134% | 5,753 |
| Total risk-based capital ratio | 12.2114% | 5,756 |
| Memoranda: | ||
| Average total assets | $208,987,000 | 2,920 |
| Average earning assets | $183,139,500 | 3,028 |
| Average equity | $18,758,000 | 3,362 |
| Average total loans | $144,501,000 | 2,698 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0375% | 717 |
| Cost of funding earning assets | 0.5091% | 2,577 |
| Net interest margin | 4.5283% | 709 |
| Noninterest income to average assets | 0.2706% | 5,188 |
| Noninterest expense to average assets | 3.0358% | 2,736 |
| Loan and lease loss provision to assets | 0.3041% | 676 |
| Net operating income to assets | 0.6802% | 3,988 |
| Return on assets (ROA) | 0.7455% | 3,748 |
| Pretax return on assets | 1.0334% | 3,376 |
| Return on Equity (ROE) | 8.3621% | 2,934 |
| Retained earnings to average equity (ytd only) | 8.3621% | 887 |
| Net charge-offs to loans | 0.1259% | 2,770 |
| Credit loss provision to net charge-offs | 368.0982% | 713 |
| Earnings coverage of net charge-offs (x) | 15.0920% | 2,109 |
| Efficiency ratio | 70.8876% | 3,392 |
| Assets per employee ($millions) | 4.9139% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 3,820 |
| Loan loss allowance to noncurrent loans | 282.6955% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 1.2021% | 2,375 |
| Noncurrent loans to loans | 0.4354% | 4,341 |
| Net loans and leases to total assets | 66.0600% | 2,869 |
| Net loans and leases to deposits | 79.9521% | 2,720 |
| Net loans and leases to core deposits | 90.7545% | 2,206 |
| Total domestic deposits to total assets | 82.6245% | 4,209 |
| Equity capital to assets | 8.9901% | 5,302 |
| Core capital (leverage) ratio | 8.8092% | 5,233 |
| Tier 1 risk-based capital ratio | 11.6866% | 5,554 |
| Total risk-based capital ratio | 12.7968% | 5,546 |
| Memoranda: | ||
| Average total assets | $197,310,600 | 3,031 |
| Average earning assets | $174,810,000 | 3,099 |
| Average equity | $17,591,200 | 3,440 |
| Average total loans | $129,499,000 | 2,879 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9956% | 777 |
| Cost of funding earning assets | 0.5177% | 2,580 |
| Net interest margin | 4.4778% | 776 |
| Noninterest income to average assets | 0.2652% | 5,309 |
| Noninterest expense to average assets | 3.0769% | 2,537 |
| Loan and lease loss provision to assets | 0.3076% | 628 |
| Net operating income to assets | 0.6319% | 4,295 |
| Return on assets (ROA) | 0.7212% | 3,937 |
| Pretax return on assets | 0.9939% | 3,618 |
| Return on Equity (ROE) | 8.1071% | 3,149 |
| Retained earnings to average equity (ytd only) | 8.1071% | 1,307 |
| Net charge-offs to loans | 0.0042% | 4,557 |
| Credit loss provision to net charge-offs | 11,250.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 431.5084% | 172 |
| Efficiency ratio | 72.2936% | 3,126 |
| Assets per employee ($millions) | 4.4156% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 4,031 |
| Loan loss allowance to noncurrent loans | 306.6427% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.2803% | 5,147 |
| Noncurrent loans to loans | 0.4039% | 4,694 |
| Net loans and leases to total assets | 68.5391% | 2,459 |
| Net loans and leases to deposits | 83.9368% | 2,158 |
| Net loans and leases to core deposits | 96.3250% | 1,650 |
| Total domestic deposits to total assets | 81.6556% | 4,611 |
| Equity capital to assets | 9.0451% | 5,307 |
| Core capital (leverage) ratio | 8.8361% | 5,288 |
| Tier 1 risk-based capital ratio | 11.4628% | 5,805 |
| Total risk-based capital ratio | 12.5835% | 5,799 |
| Memoranda: | ||
| Average total assets | $195,042,750 | 3,070 |
| Average earning assets | $173,829,750 | 3,138 |
| Average equity | $17,350,500 | 3,492 |
| Average total loans | $127,365,000 | 2,926 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8931% | 921 |
| Cost of funding earning assets | 0.5259% | 2,578 |
| Net interest margin | 4.3672% | 907 |
| Noninterest income to average assets | 0.2714% | 5,262 |
| Noninterest expense to average assets | 3.0956% | 2,515 |
| Loan and lease loss provision to assets | 0.3354% | 552 |
| Net operating income to assets | 0.5049% | 4,789 |
| Return on assets (ROA) | 0.5861% | 4,519 |
| Pretax return on assets | 0.8482% | 4,084 |
| Return on Equity (ROE) | 6.6266% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.6266% | 1,964 |
| Net charge-offs to loans | 0.0097% | 4,075 |
| Credit loss provision to net charge-offs | 5,416.6667% | 64 |
| Earnings coverage of net charge-offs (x) | 172.1667% | 367 |
| Efficiency ratio | 74.3863% | 2,909 |
| Assets per employee ($millions) | 4.3867% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 4,439 |
| Loan loss allowance to noncurrent loans | 209.9602% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 4,875 |
| Noncurrent loans to loans | 0.5699% | 4,307 |
| Net loans and leases to total assets | 66.1351% | 2,730 |
| Net loans and leases to deposits | 81.4789% | 2,317 |
| Net loans and leases to core deposits | 93.5595% | 1,809 |
| Total domestic deposits to total assets | 81.1684% | 4,928 |
| Equity capital to assets | 8.9467% | 5,358 |
| Core capital (leverage) ratio | 8.8343% | 5,241 |
| Tier 1 risk-based capital ratio | 11.5269% | 5,779 |
| Total risk-based capital ratio | 12.5999% | 5,828 |
| Memoranda: | ||
| Average total assets | $193,822,330 | 3,106 |
| Average earning assets | $172,652,330 | 3,162 |
| Average equity | $17,143,000 | 3,526 |
| Average total loans | $123,854,000 | 2,995 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7781% | 1,088 |
| Cost of funding earning assets | 0.5384% | 2,520 |
| Net interest margin | 4.2396% | 1,120 |
| Noninterest income to average assets | 0.2687% | 5,216 |
| Noninterest expense to average assets | 3.0432% | 2,720 |
| Loan and lease loss provision to assets | 0.3124% | 600 |
| Net operating income to assets | 0.4541% | 4,917 |
| Return on assets (ROA) | 0.4541% | 4,988 |
| Pretax return on assets | 0.6853% | 4,537 |
| Return on Equity (ROE) | 5.1647% | 4,459 |
| Retained earnings to average equity (ytd only) | 5.1647% | 3,014 |
| Net charge-offs to loans | 0.0267% | 3,037 |
| Credit loss provision to net charge-offs | 1,875.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 59.8750% | 658 |
| Efficiency ratio | 75.3093% | 2,902 |
| Assets per employee ($millions) | 4.2449% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 5,018 |
| Loan loss allowance to noncurrent loans | 152.4430% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4821% | 4,696 |
| Noncurrent loans to loans | 0.7365% | 4,022 |
| Net loans and leases to total assets | 64.7259% | 2,771 |
| Net loans and leases to deposits | 79.5358% | 2,364 |
| Net loans and leases to core deposits | 91.9605% | 1,737 |
| Total domestic deposits to total assets | 81.3795% | 5,128 |
| Equity capital to assets | 8.9519% | 5,165 |
| Core capital (leverage) ratio | 8.8359% | 5,217 |
| Tier 1 risk-based capital ratio | 11.8081% | 5,757 |
| Total risk-based capital ratio | 12.8049% | 5,835 |
| Memoranda: | ||
| Average total assets | $192,032,500 | 3,138 |
| Average earning assets | $170,864,500 | 3,210 |
| Average equity | $16,884,000 | 3,567 |
| Average total loans | $119,714,500 | 3,077 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4806% | 2,284 |
| Cost of funding earning assets | 0.6431% | 2,268 |
| Net interest margin | 3.8375% | 2,512 |
| Noninterest income to average assets | 0.3758% | 4,623 |
| Noninterest expense to average assets | 2.8161% | 3,674 |
| Loan and lease loss provision to assets | 0.3616% | 865 |
| Net operating income to assets | 0.4665% | 4,886 |
| Return on assets (ROA) | 0.5164% | 4,795 |
| Pretax return on assets | 0.7016% | 4,536 |
| Return on Equity (ROE) | 5.9123% | 4,136 |
| Retained earnings to average equity (ytd only) | 5.9123% | 2,026 |
| Net charge-offs to loans | 0.7146% | 902 |
| Credit loss provision to net charge-offs | 90.0393% | 2,755 |
| Earnings coverage of net charge-offs (x) | 2.4797% | 4,186 |
| Efficiency ratio | 73.8746% | 3,147 |
| Assets per employee ($millions) | 4.3874% | 3,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 5,129 |
| Loan loss allowance to noncurrent loans | 130.1031% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.5025% | 4,730 |
| Noncurrent loans to loans | 0.8480% | 3,859 |
| Net loans and leases to total assets | 58.5996% | 3,938 |
| Net loans and leases to deposits | 71.9283% | 3,530 |
| Net loans and leases to core deposits | 82.5806% | 2,823 |
| Total domestic deposits to total assets | 81.4695% | 5,047 |
| Equity capital to assets | 8.6343% | 5,444 |
| Core capital (leverage) ratio | 8.6057% | 5,534 |
| Tier 1 risk-based capital ratio | 12.3985% | 5,352 |
| Total risk-based capital ratio | 13.3517% | 5,495 |
| Memoranda: | ||
| Average total assets | $189,982,400 | 3,159 |
| Average earning assets | $170,112,200 | 3,219 |
| Average equity | $16,592,600 | 3,616 |
| Average total loans | $106,770,800 | 3,309 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4494% | 2,423 |
| Cost of funding earning assets | 0.6728% | 2,153 |
| Net interest margin | 3.7766% | 2,726 |
| Noninterest income to average assets | 0.4087% | 4,468 |
| Noninterest expense to average assets | 2.8270% | 3,570 |
| Loan and lease loss provision to assets | 0.4277% | 681 |
| Net operating income to assets | 0.4160% | 5,178 |
| Return on assets (ROA) | 0.4855% | 5,018 |
| Pretax return on assets | 0.6299% | 4,913 |
| Return on Equity (ROE) | 5.5427% | 4,448 |
| Retained earnings to average equity (ytd only) | 5.5427% | 2,703 |
| Net charge-offs to loans | 0.1755% | 2,819 |
| Credit loss provision to net charge-offs | 439.8551% | 602 |
| Earnings coverage of net charge-offs (x) | 9.9490% | 2,417 |
| Efficiency ratio | 74.5032% | 2,984 |
| Assets per employee ($millions) | 4.3673% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6879% | 2,661 |
| Loan loss allowance to noncurrent loans | 101.8028% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.9237% | 3,823 |
| Noncurrent loans to loans | 1.6580% | 2,698 |
| Net loans and leases to total assets | 54.7731% | 4,490 |
| Net loans and leases to deposits | 67.7934% | 4,088 |
| Net loans and leases to core deposits | 77.4972% | 3,424 |
| Total domestic deposits to total assets | 80.7941% | 5,270 |
| Equity capital to assets | 8.5091% | 5,728 |
| Core capital (leverage) ratio | 8.3114% | 5,962 |
| Tier 1 risk-based capital ratio | 12.5450% | 5,433 |
| Total risk-based capital ratio | 13.5707% | 5,499 |
| Memoranda: | ||
| Average total assets | $189,217,000 | 3,197 |
| Average earning assets | $169,638,000 | 3,249 |
| Average equity | $16,573,750 | 3,658 |
| Average total loans | $104,867,250 | 3,367 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 2,304 |
| Cost of funding earning assets | 0.6950% | 2,103 |
| Net interest margin | 3.7752% | 2,656 |
| Noninterest income to average assets | 0.4696% | 4,028 |
| Noninterest expense to average assets | 2.8411% | 3,544 |
| Loan and lease loss provision to assets | 0.4856% | 576 |
| Net operating income to assets | 0.3884% | 5,256 |
| Return on assets (ROA) | 0.4877% | 5,026 |
| Pretax return on assets | 0.6726% | 4,770 |
| Return on Equity (ROE) | 5.5142% | 4,450 |
| Retained earnings to average equity (ytd only) | 5.5142% | 2,732 |
| Net charge-offs to loans | 0.1191% | 3,175 |
| Credit loss provision to net charge-offs | 737.0968% | 409 |
| Earnings coverage of net charge-offs (x) | 15.5161% | 1,733 |
| Efficiency ratio | 73.5424% | 3,219 |
| Assets per employee ($millions) | 4.3140% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6552% | 2,960 |
| Loan loss allowance to noncurrent loans | 57.9405% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 1.6124% | 2,699 |
| Noncurrent loans to loans | 2.8567% | 1,582 |
| Net loans and leases to total assets | 55.5075% | 4,374 |
| Net loans and leases to deposits | 69.4856% | 3,790 |
| Net loans and leases to core deposits | 82.0756% | 2,793 |
| Total domestic deposits to total assets | 79.8833% | 5,634 |
| Equity capital to assets | 8.8392% | 5,399 |
| Core capital (leverage) ratio | 8.5994% | 5,560 |
| Tier 1 risk-based capital ratio | 13.1552% | 5,030 |
| Total risk-based capital ratio | 14.1904% | 5,123 |
| Memoranda: | ||
| Average total assets | $188,236,000 | 3,225 |
| Average earning assets | $169,211,670 | 3,267 |
| Average equity | $16,648,000 | 3,680 |
| Average total loans | $104,136,670 | 3,397 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4630% | 2,304 |
| Cost of funding earning assets | 0.7138% | 2,104 |
| Net interest margin | 3.7492% | 2,667 |
| Noninterest income to average assets | 0.2574% | 5,615 |
| Noninterest expense to average assets | 2.7426% | 3,910 |
| Loan and lease loss provision to assets | 0.1160% | 2,783 |
| Net operating income to assets | 0.5148% | 4,588 |
| Return on assets (ROA) | 0.5148% | 4,734 |
| Pretax return on assets | 0.7785% | 4,259 |
| Return on Equity (ROE) | 5.8187% | 4,139 |
| Retained earnings to average equity (ytd only) | 5.8187% | 2,770 |
| Net charge-offs to loans | 0.2426% | 1,998 |
| Credit loss provision to net charge-offs | 87.3016% | 2,064 |
| Earnings coverage of net charge-offs (x) | 6.7302% | 2,171 |
| Efficiency ratio | 75.4060% | 3,021 |
| Assets per employee ($millions) | 4.6563% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 4,819 |
| Loan loss allowance to noncurrent loans | 369.4444% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 5,991 |
| Noncurrent loans to loans | 0.3453% | 5,536 |
| Net loans and leases to total assets | 55.2617% | 4,206 |
| Net loans and leases to deposits | 70.0146% | 3,478 |
| Net loans and leases to core deposits | 82.6136% | 2,497 |
| Total domestic deposits to total assets | 78.9289% | 5,974 |
| Equity capital to assets | 9.0234% | 5,457 |
| Core capital (leverage) ratio | 8.3534% | 5,758 |
| Tier 1 risk-based capital ratio | 13.1520% | 5,104 |
| Total risk-based capital ratio | 14.1888% | 5,220 |
| Memoranda: | ||
| Average total assets | $189,602,500 | 3,230 |
| Average earning assets | $170,917,500 | 3,270 |
| Average equity | $16,773,500 | 3,702 |
| Average total loans | $103,854,500 | 3,424 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6773% | 2,684 |
| Cost of funding earning assets | 0.8628% | 2,194 |
| Net interest margin | 3.8145% | 3,166 |
| Noninterest income to average assets | 0.2235% | 5,842 |
| Noninterest expense to average assets | 2.6342% | 4,626 |
| Loan and lease loss provision to assets | 0.1852% | 3,322 |
| Net operating income to assets | 0.6436% | 4,021 |
| Return on assets (ROA) | 0.6786% | 4,108 |
| Pretax return on assets | 0.9458% | 3,762 |
| Return on Equity (ROE) | 7.5213% | 3,328 |
| Retained earnings to average equity (ytd only) | 7.5213% | 1,325 |
| Net charge-offs to loans | 0.3699% | 2,778 |
| Credit loss provision to net charge-offs | 89.9204% | 3,477 |
| Earnings coverage of net charge-offs (x) | 5.2546% | 3,093 |
| Efficiency ratio | 70.8762% | 3,644 |
| Assets per employee ($millions) | 5.0778% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 4,662 |
| Loan loss allowance to noncurrent loans | 319.3317% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 5,970 |
| Noncurrent loans to loans | 0.4050% | 5,473 |
| Net loans and leases to total assets | 52.9222% | 4,772 |
| Net loans and leases to deposits | 67.8615% | 4,008 |
| Net loans and leases to core deposits | 79.3683% | 3,092 |
| Total domestic deposits to total assets | 77.9855% | 6,083 |
| Equity capital to assets | 8.6761% | 5,870 |
| Core capital (leverage) ratio | 7.8887% | 6,290 |
| Tier 1 risk-based capital ratio | 13.0170% | 5,093 |
| Total risk-based capital ratio | 14.1455% | 5,121 |
| Memoranda: | ||
| Average total assets | $183,018,200 | 3,273 |
| Average earning assets | $167,596,800 | 3,263 |
| Average equity | $16,513,000 | 3,700 |
| Average total loans | $101,927,000 | 3,471 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7406% | 2,619 |
| Cost of funding earning assets | 0.8784% | 2,326 |
| Net interest margin | 3.8622% | 3,064 |
| Noninterest income to average assets | 0.2230% | 5,957 |
| Noninterest expense to average assets | 2.6454% | 4,588 |
| Loan and lease loss provision to assets | 0.2282% | 2,775 |
| Net operating income to assets | 0.6558% | 4,112 |
| Return on assets (ROA) | 0.6558% | 4,379 |
| Pretax return on assets | 0.8988% | 4,100 |
| Return on Equity (ROE) | 7.1948% | 3,699 |
| Retained earnings to average equity (ytd only) | 7.1948% | 2,011 |
| Net charge-offs to loans | 0.4491% | 2,311 |
| Credit loss provision to net charge-offs | 90.3509% | 3,281 |
| Earnings coverage of net charge-offs (x) | 4.4620% | 3,299 |
| Efficiency ratio | 70.1253% | 3,668 |
| Assets per employee ($millions) | 4.9801% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 5,015 |
| Loan loss allowance to noncurrent loans | 241.1131% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3023% | 5,938 |
| Noncurrent loans to loans | 0.5215% | 5,402 |
| Net loans and leases to total assets | 57.2394% | 4,253 |
| Net loans and leases to deposits | 75.4771% | 3,066 |
| Net loans and leases to core deposits | 89.1834% | 2,089 |
| Total domestic deposits to total assets | 75.8367% | 6,406 |
| Equity capital to assets | 9.2205% | 5,572 |
| Core capital (leverage) ratio | 8.2082% | 6,133 |
| Tier 1 risk-based capital ratio | 14.1680% | 4,400 |
| Total risk-based capital ratio | 15.3358% | 4,426 |
| Memoranda: | ||
| Average total assets | $180,534,000 | 3,343 |
| Average earning assets | $165,911,250 | 3,324 |
| Average equity | $16,456,000 | 3,746 |
| Average total loans | $101,545,250 | 3,523 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 2,935 |
| Cost of funding earning assets | 0.8878% | 2,507 |
| Net interest margin | 3.8072% | 3,324 |
| Noninterest income to average assets | 0.2086% | 6,069 |
| Noninterest expense to average assets | 2.6449% | 4,627 |
| Loan and lease loss provision to assets | 0.2108% | 2,970 |
| Net operating income to assets | 0.6280% | 4,239 |
| Return on assets (ROA) | 0.6280% | 4,483 |
| Pretax return on assets | 0.8690% | 4,202 |
| Return on Equity (ROE) | 6.9173% | 3,825 |
| Retained earnings to average equity (ytd only) | 6.9173% | 2,150 |
| Net charge-offs to loans | 0.2585% | 3,028 |
| Credit loss provision to net charge-offs | 146.5116% | 1,892 |
| Earnings coverage of net charge-offs (x) | 7.5039% | 2,466 |
| Efficiency ratio | 71.0093% | 3,600 |
| Assets per employee ($millions) | 4.7827% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 4,515 |
| Loan loss allowance to noncurrent loans | 246.3122% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 5,850 |
| Noncurrent loans to loans | 0.5623% | 5,384 |
| Net loans and leases to total assets | 54.8152% | 4,660 |
| Net loans and leases to deposits | 70.2766% | 3,856 |
| Net loans and leases to core deposits | 78.5115% | 3,448 |
| Total domestic deposits to total assets | 77.9992% | 6,153 |
| Equity capital to assets | 8.8176% | 5,896 |
| Core capital (leverage) ratio | 8.2923% | 5,920 |
| Tier 1 risk-based capital ratio | 13.3592% | 4,925 |
| Total risk-based capital ratio | 14.4908% | 4,981 |
| Memoranda: | ||
| Average total assets | $179,291,000 | 3,366 |
| Average earning assets | $165,583,000 | 3,335 |
| Average equity | $16,278,000 | 3,762 |
| Average total loans | $99,789,000 | 3,579 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7662% | 2,781 |
| Cost of funding earning assets | 0.9400% | 2,379 |
| Net interest margin | 3.8262% | 3,258 |
| Noninterest income to average assets | 0.2209% | 6,035 |
| Noninterest expense to average assets | 2.6982% | 4,430 |
| Loan and lease loss provision to assets | 0.2163% | 2,776 |
| Net operating income to assets | 0.5670% | 4,505 |
| Return on assets (ROA) | 0.5670% | 4,731 |
| Pretax return on assets | 0.8561% | 4,205 |
| Return on Equity (ROE) | 6.1506% | 4,211 |
| Retained earnings to average equity (ytd only) | 6.1506% | 2,869 |
| Net charge-offs to loans | 0.3393% | 2,297 |
| Credit loss provision to net charge-offs | 114.4578% | 2,064 |
| Earnings coverage of net charge-offs (x) | 5.6747% | 2,316 |
| Efficiency ratio | 71.5580% | 3,518 |
| Assets per employee ($millions) | 4.5264% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 4,638 |
| Loan loss allowance to noncurrent loans | 483.6237% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 6,315 |
| Noncurrent loans to loans | 0.2884% | 6,098 |
| Net loans and leases to total assets | 55.5772% | 4,458 |
| Net loans and leases to deposits | 71.5131% | 3,505 |
| Net loans and leases to core deposits | 80.3398% | 3,034 |
| Total domestic deposits to total assets | 77.7161% | 6,308 |
| Equity capital to assets | 9.2494% | 5,158 |
| Core capital (leverage) ratio | 8.1920% | 6,036 |
| Tier 1 risk-based capital ratio | 14.3556% | 4,204 |
| Total risk-based capital ratio | 15.5376% | 4,223 |
| Memoranda: | ||
| Average total assets | $175,674,000 | 3,444 |
| Average earning assets | $162,981,500 | 3,392 |
| Average equity | $16,193,500 | 3,782 |
| Average total loans | $97,843,500 | 3,644 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9966% | 2,901 |
| Cost of funding earning assets | 1.0453% | 3,062 |
| Net interest margin | 3.9513% | 3,099 |
| Noninterest income to average assets | 0.2318% | 5,879 |
| Noninterest expense to average assets | 2.7663% | 4,489 |
| Loan and lease loss provision to assets | 0.2133% | 4,056 |
| Net operating income to assets | 0.6855% | 3,553 |
| Return on assets (ROA) | 0.7488% | 3,431 |
| Pretax return on assets | 1.0395% | 3,085 |
| Return on Equity (ROE) | 8.1709% | 2,819 |
| Retained earnings to average equity (ytd only) | 8.1709% | 1,024 |
| Net charge-offs to loans | 0.1493% | 4,950 |
| Credit loss provision to net charge-offs | 255.1471% | 945 |
| Earnings coverage of net charge-offs (x) | 13.9338% | 1,501 |
| Efficiency ratio | 70.3675% | 3,875 |
| Assets per employee ($millions) | 4.4825% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 4,333 |
| Loan loss allowance to noncurrent loans | 570.9544% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 6,613 |
| Noncurrent loans to loans | 0.2506% | 6,232 |
| Net loans and leases to total assets | 54.2350% | 5,001 |
| Net loans and leases to deposits | 70.3400% | 4,042 |
| Net loans and leases to core deposits | 80.1745% | 3,434 |
| Total domestic deposits to total assets | 77.1041% | 6,325 |
| Equity capital to assets | 9.1862% | 5,314 |
| Core capital (leverage) ratio | 8.1571% | 6,063 |
| Tier 1 risk-based capital ratio | 14.5809% | 3,914 |
| Total risk-based capital ratio | 15.7583% | 3,945 |
| Memoranda: | ||
| Average total assets | $162,670,400 | 3,595 |
| Average earning assets | $152,304,600 | 3,542 |
| Average equity | $14,906,600 | 3,929 |
| Average total loans | $91,097,000 | 3,828 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0398% | 2,891 |
| Cost of funding earning assets | 1.0498% | 3,317 |
| Net interest margin | 3.9900% | 2,954 |
| Noninterest income to average assets | 0.2280% | 5,984 |
| Noninterest expense to average assets | 2.8765% | 4,030 |
| Loan and lease loss provision to assets | 0.2564% | 3,454 |
| Net operating income to assets | 0.5934% | 4,113 |
| Return on assets (ROA) | 0.6414% | 4,094 |
| Pretax return on assets | 0.9054% | 3,739 |
| Return on Equity (ROE) | 7.0046% | 3,526 |
| Retained earnings to average equity (ytd only) | 7.0046% | 1,966 |
| Net charge-offs to loans | 0.1944% | 4,248 |
| Credit loss provision to net charge-offs | 234.3511% | 1,211 |
| Earnings coverage of net charge-offs (x) | 10.0001% | 1,979 |
| Efficiency ratio | 72.4443% | 3,466 |
| Assets per employee ($millions) | 4.6675% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 4,354 |
| Loan loss allowance to noncurrent loans | 1,015.9091% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 6,865 |
| Noncurrent loans to loans | 0.1421% | 6,587 |
| Net loans and leases to total assets | 53.0078% | 5,320 |
| Net loans and leases to deposits | 69.6242% | 4,356 |
| Net loans and leases to core deposits | 81.0296% | 3,484 |
| Total domestic deposits to total assets | 76.1342% | 6,517 |
| Equity capital to assets | 9.0939% | 5,644 |
| Core capital (leverage) ratio | 8.1361% | 6,236 |
| Tier 1 risk-based capital ratio | 14.3888% | 4,063 |
| Total risk-based capital ratio | 15.5709% | 4,079 |
| Memoranda: | ||
| Average total assets | $159,633,750 | 3,658 |
| Average earning assets | $149,737,250 | 3,607 |
| Average equity | $14,618,500 | 3,997 |
| Average total loans | $89,824,250 | 3,898 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1578% | 2,430 |
| Cost of funding earning assets | 1.0813% | 3,379 |
| Net interest margin | 4.0765% | 2,505 |
| Noninterest income to average assets | 0.2318% | 5,991 |
| Noninterest expense to average assets | 2.9547% | 3,813 |
| Loan and lease loss provision to assets | 0.3181% | 2,883 |
| Net operating income to assets | 0.5213% | 4,411 |
| Return on assets (ROA) | 0.5912% | 4,234 |
| Pretax return on assets | 0.8849% | 3,685 |
| Return on Equity (ROE) | 6.4392% | 3,733 |
| Retained earnings to average equity (ytd only) | 6.4392% | 2,175 |
| Net charge-offs to loans | 0.2477% | 3,638 |
| Credit loss provision to net charge-offs | 224.5455% | 1,334 |
| Earnings coverage of net charge-offs (x) | 7.7545% | 2,173 |
| Efficiency ratio | 72.8948% | 3,561 |
| Assets per employee ($millions) | 4.1429% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 4,406 |
| Loan loss allowance to noncurrent loans | 581.2500% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 6,736 |
| Noncurrent loans to loans | 0.2474% | 6,424 |
| Net loans and leases to total assets | 56.6798% | 4,871 |
| Net loans and leases to deposits | 67.8568% | 4,729 |
| Net loans and leases to core deposits | 79.1729% | 3,905 |
| Total domestic deposits to total assets | 83.5286% | 4,541 |
| Equity capital to assets | 9.5217% | 4,788 |
| Core capital (leverage) ratio | 8.5641% | 5,454 |
| Tier 1 risk-based capital ratio | 14.6695% | 3,687 |
| Total risk-based capital ratio | 15.8698% | 3,682 |
| Memoranda: | ||
| Average total assets | $155,278,670 | 3,761 |
| Average earning assets | $145,565,000 | 3,699 |
| Average equity | $14,256,330 | 4,074 |
| Average total loans | $88,804,000 | 3,971 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0989% | 2,657 |
| Cost of funding earning assets | 1.0940% | 3,565 |
| Net interest margin | 4.0049% | 2,664 |
| Noninterest income to average assets | 0.2361% | 6,023 |
| Noninterest expense to average assets | 2.9104% | 4,020 |
| Loan and lease loss provision to assets | 0.3917% | 2,230 |
| Net operating income to assets | 0.4176% | 4,869 |
| Return on assets (ROA) | 0.4176% | 4,962 |
| Pretax return on assets | 0.6848% | 4,362 |
| Return on Equity (ROE) | 4.6366% | 4,584 |
| Retained earnings to average equity (ytd only) | 4.6366% | 3,405 |
| Net charge-offs to loans | 0.2320% | 3,153 |
| Credit loss provision to net charge-offs | 296.0784% | 1,085 |
| Earnings coverage of net charge-offs (x) | 8.1373% | 1,856 |
| Efficiency ratio | 72.9993% | 3,685 |
| Assets per employee ($millions) | 4.0735% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 4,568 |
| Loan loss allowance to noncurrent loans | 420.2658% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 6,669 |
| Noncurrent loans to loans | 0.3378% | 6,314 |
| Net loans and leases to total assets | 56.7474% | 4,862 |
| Net loans and leases to deposits | 69.1101% | 4,514 |
| Net loans and leases to core deposits | 80.1396% | 3,734 |
| Total domestic deposits to total assets | 82.1116% | 5,268 |
| Equity capital to assets | 9.0741% | 5,087 |
| Core capital (leverage) ratio | 8.5635% | 5,326 |
| Tier 1 risk-based capital ratio | 14.7338% | 3,587 |
| Total risk-based capital ratio | 15.9396% | 3,576 |
| Memoranda: | ||
| Average total assets | $154,203,000 | 3,806 |
| Average earning assets | $144,424,500 | 3,743 |
| Average equity | $13,889,500 | 4,127 |
| Average total loans | $87,939,500 | 4,018 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3090% | 3,091 |
| Cost of funding earning assets | 1.2142% | 4,461 |
| Net interest margin | 4.0947% | 2,586 |
| Noninterest income to average assets | 0.2292% | 6,165 |
| Noninterest expense to average assets | 2.9518% | 4,029 |
| Loan and lease loss provision to assets | 0.4263% | 3,559 |
| Net operating income to assets | 0.5191% | 4,006 |
| Return on assets (ROA) | 0.6042% | 3,817 |
| Pretax return on assets | 0.7874% | 3,677 |
| Return on Equity (ROE) | 6.7278% | 3,250 |
| Retained earnings to average equity (ytd only) | 6.7278% | 1,442 |
| Net charge-offs to loans | 0.2805% | 4,619 |
| Credit loss provision to net charge-offs | 262.2951% | 1,072 |
| Earnings coverage of net charge-offs (x) | 6.7869% | 2,276 |
| Efficiency ratio | 72.7945% | 3,640 |
| Assets per employee ($millions) | 4.0424% | 3,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 4,783 |
| Loan loss allowance to noncurrent loans | 265.8314% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 6,456 |
| Noncurrent loans to loans | 0.5059% | 6,026 |
| Net loans and leases to total assets | 55.7284% | 5,383 |
| Net loans and leases to deposits | 68.1642% | 5,080 |
| Net loans and leases to core deposits | 80.3156% | 4,168 |
| Total domestic deposits to total assets | 81.7561% | 5,262 |
| Equity capital to assets | 8.9400% | 5,222 |
| Core capital (leverage) ratio | 8.4013% | 5,530 |
| Tier 1 risk-based capital ratio | 15.0336% | 3,230 |
| Total risk-based capital ratio | 16.2514% | 3,202 |
| Memoranda: | ||
| Average total assets | $150,112,200 | 3,871 |
| Average earning assets | $140,252,800 | 3,814 |
| Average equity | $13,481,400 | 4,264 |
| Average total loans | $87,002,400 | 4,128 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3716% | 3,023 |
| Cost of funding earning assets | 1.2465% | 4,592 |
| Net interest margin | 4.1250% | 2,515 |
| Noninterest income to average assets | 0.2251% | 6,288 |
| Noninterest expense to average assets | 2.9956% | 3,762 |
| Loan and lease loss provision to assets | 0.4288% | 3,337 |
| Net operating income to assets | 0.4650% | 4,468 |
| Return on assets (ROA) | 0.5209% | 4,395 |
| Pretax return on assets | 0.7317% | 4,140 |
| Return on Equity (ROE) | 5.7928% | 3,907 |
| Retained earnings to average equity (ytd only) | 5.7928% | 2,480 |
| Net charge-offs to loans | 0.1731% | 4,927 |
| Credit loss provision to net charge-offs | 424.7788% | 715 |
| Earnings coverage of net charge-offs (x) | 10.7170% | 1,863 |
| Efficiency ratio | 73.4663% | 3,420 |
| Assets per employee ($millions) | 4.0280% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 4,864 |
| Loan loss allowance to noncurrent loans | 213.5084% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 6,460 |
| Noncurrent loans to loans | 0.6169% | 5,971 |
| Net loans and leases to total assets | 55.7006% | 5,594 |
| Net loans and leases to deposits | 65.0082% | 5,788 |
| Net loans and leases to core deposits | 76.0198% | 5,055 |
| Total domestic deposits to total assets | 85.6824% | 3,249 |
| Equity capital to assets | 9.0028% | 5,578 |
| Core capital (leverage) ratio | 8.2068% | 6,023 |
| Tier 1 risk-based capital ratio | 14.5660% | 3,473 |
| Total risk-based capital ratio | 15.7727% | 3,467 |
| Memoranda: | ||
| Average total assets | $149,237,000 | 3,936 |
| Average earning assets | $139,372,750 | 3,883 |
| Average equity | $13,418,500 | 4,345 |
| Average total loans | $87,059,750 | 4,193 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3641% | 3,137 |
| Cost of funding earning assets | 1.2606% | 4,764 |
| Net interest margin | 4.1035% | 2,539 |
| Noninterest income to average assets | 0.2136% | 6,395 |
| Noninterest expense to average assets | 3.0008% | 3,708 |
| Loan and lease loss provision to assets | 0.4325% | 3,153 |
| Net operating income to assets | 0.4044% | 4,736 |
| Return on assets (ROA) | 0.4407% | 4,737 |
| Pretax return on assets | 0.6623% | 4,361 |
| Return on Equity (ROE) | 4.9030% | 4,334 |
| Retained earnings to average equity (ytd only) | 4.9030% | 2,957 |
| Net charge-offs to loans | 0.0642% | 5,500 |
| Credit loss provision to net charge-offs | 1,142.8571% | 334 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 974 |
| Efficiency ratio | 74.2475% | 3,423 |
| Assets per employee ($millions) | 4.1143% | 3,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 5,351 |
| Loan loss allowance to noncurrent loans | 112.1308% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.6530% | 5,861 |
| Noncurrent loans to loans | 1.0881% | 5,146 |
| Net loans and leases to total assets | 56.5369% | 5,617 |
| Net loans and leases to deposits | 66.2120% | 5,779 |
| Net loans and leases to core deposits | 73.1006% | 5,542 |
| Total domestic deposits to total assets | 85.3877% | 3,425 |
| Equity capital to assets | 8.9997% | 5,450 |
| Core capital (leverage) ratio | 8.1652% | 6,012 |
| Tier 1 risk-based capital ratio | 14.2065% | 3,602 |
| Total risk-based capital ratio | 15.4250% | 3,575 |
| Memoranda: | ||
| Average total assets | $147,961,670 | 3,998 |
| Average earning assets | $138,028,000 | 3,939 |
| Average equity | $13,298,000 | 4,373 |
| Average total loans | $87,281,330 | 4,218 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3629% | 3,230 |
| Cost of funding earning assets | 1.2435% | 5,153 |
| Net interest margin | 4.1194% | 2,358 |
| Noninterest income to average assets | 0.2167% | 6,413 |
| Noninterest expense to average assets | 3.0227% | 3,588 |
| Loan and lease loss provision to assets | 0.4389% | 2,769 |
| Net operating income to assets | 0.3567% | 5,042 |
| Return on assets (ROA) | 0.4252% | 4,871 |
| Pretax return on assets | 0.6967% | 4,248 |
| Return on Equity (ROE) | 4.7339% | 4,514 |
| Retained earnings to average equity (ytd only) | 4.7339% | 3,306 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6107% | 3,466 |
| Assets per employee ($millions) | 4.0974% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 6,305 |
| Loan loss allowance to noncurrent loans | 77.3256% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 0.8245% | 5,503 |
| Noncurrent loans to loans | 1.3381% | 4,743 |
| Net loans and leases to total assets | 58.7359% | 5,316 |
| Net loans and leases to deposits | 68.7359% | 5,504 |
| Net loans and leases to core deposits | 76.1637% | 5,238 |
| Total domestic deposits to total assets | 85.4516% | 3,439 |
| Equity capital to assets | 8.7221% | 5,701 |
| Core capital (leverage) ratio | 8.5877% | 5,225 |
| Tier 1 risk-based capital ratio | 13.0226% | 4,317 |
| Total risk-based capital ratio | 14.0157% | 4,474 |
| Memoranda: | ||
| Average total assets | $145,828,500 | 4,098 |
| Average earning assets | $135,748,500 | 4,045 |
| Average equity | $13,097,000 | 4,456 |
| Average total loans | $87,358,000 | 4,279 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5874% | 3,669 |
| Cost of funding earning assets | 1.4492% | 5,730 |
| Net interest margin | 4.1382% | 2,291 |
| Noninterest income to average assets | 0.3118% | 5,853 |
| Noninterest expense to average assets | 3.0501% | 3,944 |
| Loan and lease loss provision to assets | 0.4290% | 4,255 |
| Net operating income to assets | 0.4089% | 4,098 |
| Return on assets (ROA) | 0.4921% | 3,860 |
| Pretax return on assets | 0.8068% | 3,223 |
| Return on Equity (ROE) | 5.2566% | 3,557 |
| Retained earnings to average equity (ytd only) | 5.2566% | 1,697 |
| Net charge-offs to loans | 0.4734% | 3,886 |
| Credit loss provision to net charge-offs | 152.2667% | 3,020 |
| Earnings coverage of net charge-offs (x) | 3.9253% | 3,139 |
| Efficiency ratio | 73.3912% | 4,020 |
| Assets per employee ($millions) | 3.8904% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9099% | 6,771 |
| Loan loss allowance to noncurrent loans | 143.8433% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.4156% | 6,421 |
| Noncurrent loans to loans | 0.6325% | 5,971 |
| Net loans and leases to total assets | 59.9544% | 5,344 |
| Net loans and leases to deposits | 73.3121% | 5,148 |
| Net loans and leases to core deposits | 95.4008% | 4,525 |
| Total domestic deposits to total assets | 81.7798% | 5,044 |
| Equity capital to assets | 9.2615% | 4,753 |
| Core capital (leverage) ratio | 8.7258% | 4,883 |
| Tier 1 risk-based capital ratio | 14.2363% | 3,355 |
| Total risk-based capital ratio | 15.1471% | 3,519 |
| Memoranda: | ||
| Average total assets | $133,111,600 | 4,274 |
| Average earning assets | $123,652,200 | 4,225 |
| Average equity | $12,460,600 | 4,642 |
| Average total loans | $79,213,800 | 4,543 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5868% | 3,942 |
| Cost of funding earning assets | 1.4916% | 5,857 |
| Net interest margin | 4.0952% | 2,419 |
| Noninterest income to average assets | 0.3349% | 5,806 |
| Noninterest expense to average assets | 3.2314% | 3,185 |
| Loan and lease loss provision to assets | 0.3258% | 4,377 |
| Net operating income to assets | 0.3467% | 4,614 |
| Return on assets (ROA) | 0.3948% | 4,519 |
| Pretax return on assets | 0.6505% | 4,018 |
| Return on Equity (ROE) | 4.2054% | 4,301 |
| Retained earnings to average equity (ytd only) | 4.2054% | 2,925 |
| Net charge-offs to loans | 0.0394% | 6,355 |
| Credit loss provision to net charge-offs | 1,395.6522% | 281 |
| Earnings coverage of net charge-offs (x) | 38.6035% | 771 |
| Efficiency ratio | 78.1925% | 3,137 |
| Assets per employee ($millions) | 3.7796% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 5,896 |
| Loan loss allowance to noncurrent loans | 95.0980% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.7085% | 5,713 |
| Noncurrent loans to loans | 1.1255% | 5,064 |
| Net loans and leases to total assets | 59.3025% | 5,693 |
| Net loans and leases to deposits | 71.0687% | 5,789 |
| Net loans and leases to core deposits | 90.6314% | 5,381 |
| Total domestic deposits to total assets | 83.4439% | 3,995 |
| Equity capital to assets | 9.3646% | 4,935 |
| Core capital (leverage) ratio | 8.8331% | 4,924 |
| Tier 1 risk-based capital ratio | 14.5160% | 3,274 |
| Total risk-based capital ratio | 15.5893% | 3,304 |
| Memoranda: | ||
| Average total assets | $131,376,250 | 4,343 |
| Average earning assets | $121,831,250 | 4,301 |
| Average equity | $12,333,000 | 4,704 |
| Average total loans | $77,832,500 | 4,632 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6128% | 4,007 |
| Cost of funding earning assets | 1.5248% | 6,042 |
| Net interest margin | 4.0879% | 2,365 |
| Noninterest income to average assets | 0.3497% | 5,704 |
| Noninterest expense to average assets | 3.3063% | 2,930 |
| Loan and lease loss provision to assets | 0.3405% | 3,896 |
| Net operating income to assets | 0.2906% | 4,935 |
| Return on assets (ROA) | 0.3636% | 4,748 |
| Pretax return on assets | 0.5962% | 4,332 |
| Return on Equity (ROE) | 3.8699% | 4,551 |
| Retained earnings to average equity (ytd only) | 3.8699% | 3,129 |
| Net charge-offs to loans | 0.1959% | 4,310 |
| Credit loss provision to net charge-offs | 294.6667% | 1,585 |
| Earnings coverage of net charge-offs (x) | 7.1200% | 2,494 |
| Efficiency ratio | 80.0746% | 3,032 |
| Assets per employee ($millions) | 3.8841% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9079% | 6,731 |
| Loan loss allowance to noncurrent loans | 775.2688% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 7,403 |
| Noncurrent loans to loans | 0.1171% | 7,225 |
| Net loans and leases to total assets | 61.3986% | 5,455 |
| Net loans and leases to deposits | 74.1571% | 5,430 |
| Net loans and leases to core deposits | 93.9677% | 5,121 |
| Total domestic deposits to total assets | 82.7953% | 4,336 |
| Equity capital to assets | 9.4606% | 4,659 |
| Core capital (leverage) ratio | 9.1033% | 4,458 |
| Tier 1 risk-based capital ratio | 14.6354% | 3,171 |
| Total risk-based capital ratio | 15.5425% | 3,292 |
| Memoranda: | ||
| Average total assets | $129,813,330 | 4,396 |
| Average earning assets | $120,012,000 | 4,364 |
| Average equity | $12,196,670 | 4,761 |
| Average total loans | $76,589,000 | 4,715 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6014% | 4,347 |
| Cost of funding earning assets | 1.5364% | 6,285 |
| Net interest margin | 4.0650% | 2,416 |
| Noninterest income to average assets | 0.3154% | 5,920 |
| Noninterest expense to average assets | 3.1661% | 3,130 |
| Loan and lease loss provision to assets | 0.4226% | 2,814 |
| Net operating income to assets | 0.2909% | 5,330 |
| Return on assets (ROA) | 0.2909% | 5,500 |
| Pretax return on assets | 0.4777% | 5,146 |
| Return on Equity (ROE) | 3.1066% | 5,326 |
| Retained earnings to average equity (ytd only) | 3.1066% | 4,145 |
| Net charge-offs to loans | 0.1224% | 3,998 |
| Credit loss provision to net charge-offs | 600.0000% | 938 |
| Earnings coverage of net charge-offs (x) | 12.7826% | 1,775 |
| Efficiency ratio | 77.8614% | 3,187 |
| Assets per employee ($millions) | 3.5445% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 6,724 |
| Loan loss allowance to noncurrent loans | 202.9412% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 6,707 |
| Noncurrent loans to loans | 0.4461% | 6,308 |
| Net loans and leases to total assets | 59.1843% | 5,786 |
| Net loans and leases to deposits | 71.9494% | 5,750 |
| Net loans and leases to core deposits | 90.5723% | 5,504 |
| Total domestic deposits to total assets | 82.2583% | 4,449 |
| Equity capital to assets | 9.6769% | 4,417 |
| Core capital (leverage) ratio | 8.9845% | 4,732 |
| Tier 1 risk-based capital ratio | 15.0797% | 3,025 |
| Total risk-based capital ratio | 15.9841% | 3,122 |
| Memoranda: | ||
| Average total assets | $130,633,000 | 4,396 |
| Average earning assets | $120,541,000 | 4,371 |
| Average equity | $12,232,000 | 4,777 |
| Average total loans | $75,174,500 | 4,801 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3368% | 3,749 |
| Cost of funding earning assets | 1.7244% | 7,204 |
| Net interest margin | 4.6124% | 1,143 |
| Noninterest income to average assets | 0.3415% | 6,006 |
| Noninterest expense to average assets | 3.5034% | 2,387 |
| Loan and lease loss provision to assets | 0.1969% | 4,914 |
| Net operating income to assets | 0.5305% | 4,616 |
| Return on assets (ROA) | 0.5502% | 4,378 |
| Pretax return on assets | 0.9007% | 3,717 |
| Return on Equity (ROE) | 5.8128% | 4,023 |
| Retained earnings to average equity (ytd only) | 5.8128% | 1,611 |
| Net charge-offs to loans | 0.0726% | 5,726 |
| Credit loss provision to net charge-offs | 463.8298% | 949 |
| Earnings coverage of net charge-offs (x) | 25.1277% | 1,346 |
| Efficiency ratio | 76.6555% | 3,125 |
| Assets per employee ($millions) | 4.0504% | 3,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7756% | 7,187 |
| Loan loss allowance to noncurrent loans | 89.5639% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 0.4803% | 5,775 |
| Noncurrent loans to loans | 0.8660% | 4,892 |
| Net loans and leases to total assets | 55.0362% | 6,542 |
| Net loans and leases to deposits | 66.2080% | 6,630 |
| Net loans and leases to core deposits | 89.5363% | 5,842 |
| Total domestic deposits to total assets | 83.1262% | 3,716 |
| Equity capital to assets | 9.0646% | 5,274 |
| Core capital (leverage) ratio | 9.7799% | 3,677 |
| Tier 1 risk-based capital ratio | 15.4088% | 2,871 |
| Total risk-based capital ratio | 16.1905% | 2,987 |
| Memoranda: | ||
| Average total assets | $110,691,800 | 4,758 |
| Average earning assets | $101,487,000 | 4,767 |
| Average equity | $10,476,800 | 5,274 |
| Average total loans | $64,705,600 | 5,066 |