Home > United Bank of Union > Performance and Condition Ratios
United Bank of Union, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5363% | 1,111 |
| Cost of funding earning assets | 1.7758% | 1,291 |
| Net interest margin | 3.7605% | 1,624 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.4983% | 2,302 |
| Loan and lease loss provision to assets | 0.3100% | 350 |
| Net operating income to assets | 1.1463% | 1,793 |
| Return on assets (ROA) | 1.1463% | 1,764 |
| Pretax return on assets | 1.1463% | 2,273 |
| Return on Equity (ROE) | 15.7000% | 1,155 |
| Retained earnings to average equity (ytd only) | 2.4101% | 3,478 |
| Net charge-offs to loans | 0.2494% | 427 |
| Credit loss provision to net charge-offs | 167.9171% | 1,361 |
| Earnings coverage of net charge-offs (x) | 7.5094% | 2,400 |
| Efficiency ratio | 63.2174% | 2,704 |
| Assets per employee ($millions) | 7.2769% | 1,878 |
| Cash dividends to net income (ytd only)* | 84.6474% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 1,235 |
| Loan loss allowance to noncurrent loans | 139.2472% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.8108% | 628 |
| Noncurrent loans to loans | 1.0340% | 714 |
| Net loans and leases to total assets | 77.2800% | 938 |
| Net loans and leases to deposits | 93.1328% | 1,005 |
| Net loans and leases to core deposits | 114.1946% | 809 |
| Total domestic deposits to total assets | 82.9800% | 2,899 |
| Equity capital to assets | 7.1003% | 3,903 |
| Core capital (leverage) ratio | 9.1142% | 3,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $523,315,400 | 1,677 |
| Average earning assets | $500,224,200 | 1,639 |
| Average equity | $38,213,600 | 1,933 |
| Average total loans | $406,203,800 | 1,457 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3966% | 1,139 |
| Cost of funding earning assets | 1.6079% | 1,357 |
| Net interest margin | 3.7887% | 1,626 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.5138% | 2,189 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 1.2131% | 1,762 |
| Return on assets (ROA) | 1.2131% | 1,749 |
| Pretax return on assets | 1.2131% | 2,269 |
| Return on Equity (ROE) | 16.4900% | 1,165 |
| Retained earnings to average equity (ytd only) | 3.5535% | 3,372 |
| Net charge-offs to loans | 0.1454% | 567 |
| Credit loss provision to net charge-offs | 269.8157% | 945 |
| Earnings coverage of net charge-offs (x) | 13.1452% | 2,047 |
| Efficiency ratio | 62.9473% | 2,618 |
| Assets per employee ($millions) | 7.0310% | 1,940 |
| Cash dividends to net income (ytd only)* | 78.4477% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 1,024 |
| Loan loss allowance to noncurrent loans | 117.5364% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.0149% | 506 |
| Noncurrent loans to loans | 1.3056% | 585 |
| Net loans and leases to total assets | 76.5400% | 1,057 |
| Net loans and leases to deposits | 90.2826% | 1,215 |
| Net loans and leases to core deposits | 108.4091% | 929 |
| Total domestic deposits to total assets | 84.7800% | 2,570 |
| Equity capital to assets | 6.9289% | 3,648 |
| Core capital (leverage) ratio | 9.3490% | 3,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $514,063,000 | 1,702 |
| Average earning assets | $491,137,250 | 1,661 |
| Average equity | $37,820,750 | 1,939 |
| Average total loans | $397,918,500 | 1,469 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2435% | 1,158 |
| Cost of funding earning assets | 1.3946% | 1,460 |
| Net interest margin | 3.8489% | 1,526 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.5196% | 2,153 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 1.2896% | 1,595 |
| Return on assets (ROA) | 1.2896% | 1,581 |
| Pretax return on assets | 1.2896% | 2,113 |
| Return on Equity (ROE) | 17.1800% | 1,067 |
| Retained earnings to average equity (ytd only) | 2.4523% | 3,609 |
| Net charge-offs to loans | 0.2015% | 397 |
| Credit loss provision to net charge-offs | 179.7468% | 1,093 |
| Earnings coverage of net charge-offs (x) | 9.7443% | 2,017 |
| Efficiency ratio | 62.4121% | 2,656 |
| Assets per employee ($millions) | 6.8258% | 2,058 |
| Cash dividends to net income (ytd only)* | 85.7230% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 1,358 |
| Loan loss allowance to noncurrent loans | 108.0414% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 1.0347% | 436 |
| Noncurrent loans to loans | 1.3417% | 530 |
| Net loans and leases to total assets | 76.0100% | 1,046 |
| Net loans and leases to deposits | 89.3528% | 1,234 |
| Net loans and leases to core deposits | 108.6496% | 883 |
| Total domestic deposits to total assets | 85.0600% | 2,530 |
| Equity capital to assets | 7.1873% | 3,696 |
| Core capital (leverage) ratio | 9.5611% | 3,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $507,298,333 | 1,710 |
| Average earning assets | $484,445,333 | 1,676 |
| Average equity | $38,086,000 | 1,939 |
| Average total loans | $392,102,333 | 1,474 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2108% | 943 |
| Cost of funding earning assets | 1.2044% | 1,437 |
| Net interest margin | 4.0064% | 1,251 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.5638% | 2,067 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.3494% | 1,547 |
| Return on assets (ROA) | 1.3494% | 1,517 |
| Pretax return on assets | 1.3494% | 2,021 |
| Return on Equity (ROE) | 17.5700% | 1,089 |
| Retained earnings to average equity (ytd only) | -1.4423% | 4,161 |
| Net charge-offs to loans | -0.0073% | 3,754 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.3584% | 2,770 |
| Assets per employee ($millions) | 6.7730% | 2,140 |
| Cash dividends to net income (ytd only)* | 108.2085% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 1,185 |
| Loan loss allowance to noncurrent loans | 80.0957% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.4816% | 225 |
| Noncurrent loans to loans | 1.9040% | 311 |
| Net loans and leases to total assets | 76.6300% | 912 |
| Net loans and leases to deposits | 87.6230% | 1,241 |
| Net loans and leases to core deposits | 102.9531% | 967 |
| Total domestic deposits to total assets | 87.4500% | 2,113 |
| Equity capital to assets | 7.5951% | 3,510 |
| Core capital (leverage) ratio | 9.7623% | 2,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $494,741,500 | 1,755 |
| Average earning assets | $471,946,500 | 1,721 |
| Average equity | $37,996,000 | 1,964 |
| Average total loans | $382,847,500 | 1,518 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2455% | 1,164 |
| Cost of funding earning assets | 0.5282% | 1,222 |
| Net interest margin | 3.7173% | 1,339 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.4302% | 2,337 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.4506% | 1,005 |
| Return on assets (ROA) | 1.4506% | 963 |
| Pretax return on assets | 1.4506% | 1,613 |
| Return on Equity (ROE) | 16.6500% | 929 |
| Retained earnings to average equity (ytd only) | 7.7400% | 1,942 |
| Net charge-offs to loans | -0.1165% | 4,550 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.6051% | 2,971 |
| Assets per employee ($millions) | 6.5069% | 2,331 |
| Cash dividends to net income (ytd only)* | 53.4994% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7064% | 794 |
| Loan loss allowance to noncurrent loans | 82.9092% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.5834% | 190 |
| Noncurrent loans to loans | 2.0582% | 268 |
| Net loans and leases to total assets | 75.6200% | 1,041 |
| Net loans and leases to deposits | 86.4906% | 1,276 |
| Net loans and leases to core deposits | 100.7412% | 961 |
| Total domestic deposits to total assets | 87.4300% | 2,256 |
| Equity capital to assets | 7.7695% | 3,209 |
| Core capital (leverage) ratio | 10.3408% | 2,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $464,901,800 | 1,819 |
| Average earning assets | $442,846,000 | 1,778 |
| Average equity | $40,516,600 | 1,901 |
| Average total loans | $344,980,200 | 1,562 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0665% | 1,127 |
| Cost of funding earning assets | 0.4212% | 1,150 |
| Net interest margin | 3.6453% | 1,286 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.4481% | 2,167 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.4067% | 1,075 |
| Return on assets (ROA) | 1.4067% | 1,047 |
| Pretax return on assets | 1.4067% | 1,693 |
| Return on Equity (ROE) | 15.7000% | 1,039 |
| Retained earnings to average equity (ytd only) | 8.0819% | 1,968 |
| Net charge-offs to loans | -0.1858% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.4334% | 2,908 |
| Assets per employee ($millions) | 5.7632% | 2,977 |
| Cash dividends to net income (ytd only)* | 48.5085% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7987% | 729 |
| Loan loss allowance to noncurrent loans | 81.4858% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.6612% | 191 |
| Noncurrent loans to loans | 2.2074% | 262 |
| Net loans and leases to total assets | 73.9000% | 1,108 |
| Net loans and leases to deposits | 84.8363% | 1,247 |
| Net loans and leases to core deposits | 92.7141% | 1,154 |
| Total domestic deposits to total assets | 87.1100% | 2,728 |
| Equity capital to assets | 8.1871% | 2,769 |
| Core capital (leverage) ratio | 10.3901% | 2,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $460,750,000 | 1,833 |
| Average earning assets | $438,693,250 | 1,801 |
| Average equity | $41,293,000 | 1,903 |
| Average total loans | $338,618,000 | 1,573 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9156% | 1,087 |
| Cost of funding earning assets | 0.3504% | 1,256 |
| Net interest margin | 3.5652% | 1,146 |
| Noninterest income to average assets | 0.5375% | 2,004 |
| Noninterest expense to average assets | 2.4153% | 2,179 |
| Loan and lease loss provision to assets | 0.1303% | 746 |
| Net operating income to assets | 1.3846% | 944 |
| Return on assets (ROA) | 1.3846% | 919 |
| Pretax return on assets | 1.3846% | 1,485 |
| Return on Equity (ROE) | 15.0159% | 887 |
| Retained earnings to average equity (ytd only) | 8.0942% | 1,582 |
| Net charge-offs to loans | 0.0012% | 2,099 |
| Credit loss provision to net charge-offs | 15,000.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 1,744.5000% | 62 |
| Efficiency ratio | 61.4560% | 3,117 |
| Assets per employee ($millions) | 5.8130% | 2,909 |
| Cash dividends to net income (ytd only)* | 46.0960% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6986% | 962 |
| Loan loss allowance to noncurrent loans | 68.7263% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.8025% | 174 |
| Noncurrent loans to loans | 2.4715% | 233 |
| Net loans and leases to total assets | 71.6945% | 1,139 |
| Net loans and leases to deposits | 82.6467% | 1,201 |
| Net loans and leases to core deposits | 88.9242% | 1,178 |
| Total domestic deposits to total assets | 86.7482% | 3,022 |
| Equity capital to assets | 8.3572% | 2,863 |
| Core capital (leverage) ratio | 10.1768% | 2,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $460,649,000 | 1,841 |
| Average earning assets | $438,349,667 | 1,816 |
| Average equity | $42,475,000 | 1,915 |
| Average total loans | $335,834,667 | 1,580 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8428% | 1,014 |
| Cost of funding earning assets | 0.3250% | 1,413 |
| Net interest margin | 3.5178% | 1,058 |
| Noninterest income to average assets | 0.5480% | 1,911 |
| Noninterest expense to average assets | 2.4072% | 2,133 |
| Loan and lease loss provision to assets | 0.1292% | 633 |
| Net operating income to assets | 1.3596% | 885 |
| Return on assets (ROA) | 1.3596% | 870 |
| Pretax return on assets | 1.3596% | 1,359 |
| Return on Equity (ROE) | 14.1000% | 816 |
| Retained earnings to average equity (ytd only) | 5.1646% | 2,526 |
| Net charge-offs to loans | 0.0035% | 1,646 |
| Credit loss provision to net charge-offs | 5,000.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 576.0000% | 172 |
| Efficiency ratio | 61.7868% | 3,291 |
| Assets per employee ($millions) | 6.2060% | 2,629 |
| Cash dividends to net income (ytd only)* | 63.3714% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6146% | 1,230 |
| Loan loss allowance to noncurrent loans | 67.1046% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.7267% | 190 |
| Noncurrent loans to loans | 2.4061% | 257 |
| Net loans and leases to total assets | 70.6047% | 962 |
| Net loans and leases to deposits | 81.9079% | 1,018 |
| Net loans and leases to core deposits | 87.9874% | 1,019 |
| Total domestic deposits to total assets | 86.2001% | 3,196 |
| Equity capital to assets | 9.1060% | 2,621 |
| Core capital (leverage) ratio | 9.9473% | 2,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $464,265,000 | 1,843 |
| Average earning assets | $441,865,000 | 1,817 |
| Average equity | $44,766,000 | 1,900 |
| Average total loans | $338,406,000 | 1,558 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9352% | 1,524 |
| Cost of funding earning assets | 0.3460% | 1,972 |
| Net interest margin | 3.5892% | 1,497 |
| Noninterest income to average assets | 0.7979% | 1,452 |
| Noninterest expense to average assets | 2.4726% | 2,264 |
| Loan and lease loss provision to assets | 0.1896% | 586 |
| Net operating income to assets | 1.5419% | 929 |
| Return on assets (ROA) | 1.5698% | 907 |
| Pretax return on assets | 1.5698% | 1,508 |
| Return on Equity (ROE) | 15.2068% | 907 |
| Retained earnings to average equity (ytd only) | 6.8978% | 1,962 |
| Net charge-offs to loans | 0.1062% | 827 |
| Credit loss provision to net charge-offs | 244.2529% | 1,184 |
| Earnings coverage of net charge-offs (x) | 22.3046% | 1,799 |
| Efficiency ratio | 58.8135% | 3,314 |
| Assets per employee ($millions) | 6.0916% | 2,679 |
| Cash dividends to net income (ytd only)* | 54.6398% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 1,325 |
| Loan loss allowance to noncurrent loans | 68.2011% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.7070% | 223 |
| Noncurrent loans to loans | 2.3051% | 309 |
| Net loans and leases to total assets | 72.8903% | 767 |
| Net loans and leases to deposits | 86.0526% | 774 |
| Net loans and leases to core deposits | 95.6998% | 706 |
| Total domestic deposits to total assets | 84.7043% | 3,358 |
| Equity capital to assets | 10.1961% | 2,476 |
| Core capital (leverage) ratio | 10.2001% | 2,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $448,276,200 | 1,842 |
| Average earning assets | $425,419,600 | 1,822 |
| Average equity | $46,275,400 | 1,882 |
| Average total loans | $327,615,200 | 1,599 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 1,755 |
| Cost of funding earning assets | 0.3593% | 2,029 |
| Net interest margin | 3.5429% | 1,752 |
| Noninterest income to average assets | 0.8500% | 1,384 |
| Noninterest expense to average assets | 2.4922% | 2,141 |
| Loan and lease loss provision to assets | 0.1495% | 760 |
| Net operating income to assets | 1.5681% | 1,108 |
| Return on assets (ROA) | 1.6055% | 1,062 |
| Pretax return on assets | 1.6055% | 1,680 |
| Return on Equity (ROE) | 15.5037% | 1,042 |
| Retained earnings to average equity (ytd only) | 8.6552% | 1,819 |
| Net charge-offs to loans | 0.1346% | 600 |
| Credit loss provision to net charge-offs | 152.4390% | 1,348 |
| Earnings coverage of net charge-offs (x) | 17.5213% | 1,811 |
| Efficiency ratio | 59.2006% | 3,098 |
| Assets per employee ($millions) | 5.8734% | 2,813 |
| Cash dividends to net income (ytd only)* | 44.1735% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 1,615 |
| Loan loss allowance to noncurrent loans | 67.1015% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.6440% | 285 |
| Noncurrent loans to loans | 2.2413% | 366 |
| Net loans and leases to total assets | 72.2472% | 848 |
| Net loans and leases to deposits | 85.9008% | 830 |
| Net loans and leases to core deposits | 93.9335% | 826 |
| Total domestic deposits to total assets | 84.1054% | 3,433 |
| Equity capital to assets | 10.5173% | 2,447 |
| Core capital (leverage) ratio | 10.2735% | 2,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $446,127,000 | 1,871 |
| Average earning assets | $423,069,750 | 1,844 |
| Average equity | $46,198,500 | 1,904 |
| Average total loans | $324,935,250 | 1,640 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8954% | 1,827 |
| Cost of funding earning assets | 0.3773% | 2,072 |
| Net interest margin | 3.5181% | 1,806 |
| Noninterest income to average assets | 0.9156% | 1,229 |
| Noninterest expense to average assets | 2.5238% | 2,067 |
| Loan and lease loss provision to assets | 0.1576% | 740 |
| Net operating income to assets | 1.5686% | 1,123 |
| Return on assets (ROA) | 1.6245% | 1,052 |
| Pretax return on assets | 1.6245% | 1,669 |
| Return on Equity (ROE) | 15.7707% | 1,003 |
| Retained earnings to average equity (ytd only) | 9.5184% | 1,546 |
| Net charge-offs to loans | 0.0304% | 1,363 |
| Credit loss provision to net charge-offs | 714.2857% | 572 |
| Earnings coverage of net charge-offs (x) | 78.2245% | 847 |
| Efficiency ratio | 59.3833% | 3,100 |
| Assets per employee ($millions) | 5.6816% | 2,930 |
| Cash dividends to net income (ytd only)* | 39.6451% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5812% | 1,322 |
| Loan loss allowance to noncurrent loans | 65.1808% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.7494% | 275 |
| Noncurrent loans to loans | 2.4259% | 346 |
| Net loans and leases to total assets | 70.9725% | 1,089 |
| Net loans and leases to deposits | 84.1683% | 1,053 |
| Net loans and leases to core deposits | 90.7435% | 1,086 |
| Total domestic deposits to total assets | 84.3222% | 3,338 |
| Equity capital to assets | 10.3998% | 2,491 |
| Core capital (leverage) ratio | 9.9506% | 2,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9131% | 2,397 |
| Memoranda: | ||
| Average total assets | $444,084,667 | 1,864 |
| Average earning assets | $420,912,000 | 1,842 |
| Average equity | $45,743,000 | 1,904 |
| Average total loans | $322,670,333 | 1,655 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0138% | 1,582 |
| Cost of funding earning assets | 0.3964% | 2,127 |
| Net interest margin | 3.6174% | 1,535 |
| Noninterest income to average assets | 1.0378% | 1,073 |
| Noninterest expense to average assets | 2.5836% | 1,922 |
| Loan and lease loss provision to assets | 0.1811% | 681 |
| Net operating income to assets | 1.7025% | 935 |
| Return on assets (ROA) | 1.7025% | 982 |
| Pretax return on assets | 1.7025% | 1,481 |
| Return on Equity (ROE) | 16.6096% | 910 |
| Retained earnings to average equity (ytd only) | 8.8791% | 1,987 |
| Net charge-offs to loans | -0.0360% | 4,259 |
| Credit loss provision to net charge-offs | -689.6552% | 3,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8350% | 3,325 |
| Assets per employee ($millions) | 5.7219% | 2,886 |
| Cash dividends to net income (ytd only)* | 46.5426% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5608% | 1,394 |
| Loan loss allowance to noncurrent loans | 86.7629% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.5395% | 399 |
| Noncurrent loans to loans | 1.7989% | 646 |
| Net loans and leases to total assets | 68.6795% | 1,451 |
| Net loans and leases to deposits | 80.6617% | 1,455 |
| Net loans and leases to core deposits | 87.4305% | 1,419 |
| Total domestic deposits to total assets | 85.1451% | 3,046 |
| Equity capital to assets | 9.7583% | 2,938 |
| Core capital (leverage) ratio | 9.9904% | 2,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4164% | 2,522 |
| Memoranda: | ||
| Average total assets | $441,705,000 | 1,866 |
| Average earning assets | $418,752,500 | 1,840 |
| Average equity | $45,275,000 | 1,910 |
| Average total loans | $322,168,500 | 1,655 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4110% | 1,559 |
| Cost of funding earning assets | 0.6616% | 1,922 |
| Net interest margin | 3.7493% | 1,643 |
| Noninterest income to average assets | 0.9547% | 1,134 |
| Noninterest expense to average assets | 2.4451% | 3,008 |
| Loan and lease loss provision to assets | 0.2240% | 1,745 |
| Net operating income to assets | 1.8030% | 386 |
| Return on assets (ROA) | 1.8409% | 383 |
| Pretax return on assets | 1.8409% | 621 |
| Return on Equity (ROE) | 17.1369% | 394 |
| Retained earnings to average equity (ytd only) | 6.7081% | 1,506 |
| Net charge-offs to loans | 0.2560% | 677 |
| Credit loss provision to net charge-offs | 116.9666% | 2,663 |
| Earnings coverage of net charge-offs (x) | 10.5861% | 2,451 |
| Efficiency ratio | 54.6750% | 4,137 |
| Assets per employee ($millions) | 5.3157% | 3,032 |
| Cash dividends to net income (ytd only)* | 60.8556% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 1,582 |
| Loan loss allowance to noncurrent loans | 72.8524% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.7641% | 356 |
| Noncurrent loans to loans | 2.0599% | 542 |
| Net loans and leases to total assets | 75.2879% | 865 |
| Net loans and leases to deposits | 91.3133% | 832 |
| Net loans and leases to core deposits | 100.7219% | 873 |
| Total domestic deposits to total assets | 82.4501% | 3,551 |
| Equity capital to assets | 10.7927% | 2,438 |
| Core capital (leverage) ratio | 10.0930% | 2,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5706% | 2,413 |
| Memoranda: | ||
| Average total assets | $406,314,600 | 1,842 |
| Average earning assets | $381,186,600 | 1,831 |
| Average equity | $43,648,600 | 1,878 |
| Average total loans | $303,953,200 | 1,670 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4872% | 1,600 |
| Cost of funding earning assets | 0.7358% | 1,827 |
| Net interest margin | 3.7514% | 1,759 |
| Noninterest income to average assets | 0.8740% | 1,302 |
| Noninterest expense to average assets | 2.4508% | 2,986 |
| Loan and lease loss provision to assets | 0.1655% | 2,343 |
| Net operating income to assets | 1.7688% | 491 |
| Return on assets (ROA) | 1.8197% | 481 |
| Pretax return on assets | 1.8197% | 753 |
| Return on Equity (ROE) | 16.9600% | 452 |
| Retained earnings to average equity (ytd only) | 9.5086% | 866 |
| Net charge-offs to loans | -0.0289% | 4,520 |
| Credit loss provision to net charge-offs | -769.2308% | 3,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8901% | 3,929 |
| Assets per employee ($millions) | 5.5890% | 2,634 |
| Cash dividends to net income (ytd only)* | 43.9353% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 936 |
| Loan loss allowance to noncurrent loans | 87.4271% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 1.8535% | 398 |
| Noncurrent loans to loans | 1.9133% | 659 |
| Net loans and leases to total assets | 72.6540% | 1,561 |
| Net loans and leases to deposits | 88.6412% | 1,414 |
| Net loans and leases to core deposits | 99.8202% | 1,174 |
| Total domestic deposits to total assets | 81.9642% | 3,431 |
| Equity capital to assets | 10.7213% | 2,604 |
| Core capital (leverage) ratio | 10.3731% | 2,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1107% | 2,150 |
| Memoranda: | ||
| Average total assets | $402,908,250 | 1,832 |
| Average earning assets | $377,089,500 | 1,820 |
| Average equity | $43,230,000 | 1,888 |
| Average total loans | $299,696,250 | 1,679 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5328% | 1,821 |
| Cost of funding earning assets | 0.8241% | 1,709 |
| Net interest margin | 3.7087% | 2,131 |
| Noninterest income to average assets | 0.7623% | 1,544 |
| Noninterest expense to average assets | 2.4700% | 3,046 |
| Loan and lease loss provision to assets | 0.1011% | 3,003 |
| Net operating income to assets | 1.6652% | 656 |
| Return on assets (ROA) | 1.7416% | 622 |
| Pretax return on assets | 1.7416% | 911 |
| Return on Equity (ROE) | 16.2270% | 529 |
| Retained earnings to average equity (ytd only) | 8.9025% | 1,033 |
| Net charge-offs to loans | -0.0142% | 4,305 |
| Credit loss provision to net charge-offs | -952.3810% | 3,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3055% | 3,655 |
| Assets per employee ($millions) | 5.7229% | 2,428 |
| Cash dividends to net income (ytd only)* | 45.1379% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 1,093 |
| Loan loss allowance to noncurrent loans | 76.7245% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.9741% | 368 |
| Noncurrent loans to loans | 2.0385% | 652 |
| Net loans and leases to total assets | 72.8949% | 1,571 |
| Net loans and leases to deposits | 86.8645% | 1,675 |
| Net loans and leases to core deposits | 96.4911% | 1,539 |
| Total domestic deposits to total assets | 83.9180% | 2,773 |
| Equity capital to assets | 10.4696% | 2,770 |
| Core capital (leverage) ratio | 10.1517% | 2,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9141% | 2,218 |
| Memoranda: | ||
| Average total assets | $395,624,000 | 1,825 |
| Average earning assets | $370,589,333 | 1,817 |
| Average equity | $42,460,000 | 1,905 |
| Average total loans | $294,976,333 | 1,686 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6598% | 1,819 |
| Cost of funding earning assets | 0.9486% | 1,649 |
| Net interest margin | 3.7112% | 2,289 |
| Noninterest income to average assets | 0.5837% | 2,110 |
| Noninterest expense to average assets | 2.5476% | 3,139 |
| Loan and lease loss provision to assets | 0.0524% | 3,123 |
| Net operating income to assets | 1.4441% | 892 |
| Return on assets (ROA) | 1.4441% | 966 |
| Pretax return on assets | 1.4441% | 1,451 |
| Return on Equity (ROE) | 13.2752% | 832 |
| Retained earnings to average equity (ytd only) | 5.1348% | 2,216 |
| Net charge-offs to loans | 0.0224% | 1,919 |
| Credit loss provision to net charge-offs | 312.5000% | 1,143 |
| Earnings coverage of net charge-offs (x) | 89.2500% | 625 |
| Efficiency ratio | 62.9956% | 3,372 |
| Assets per employee ($millions) | 5.2360% | 2,384 |
| Cash dividends to net income (ytd only)* | 61.3208% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6066% | 1,052 |
| Loan loss allowance to noncurrent loans | 76.5699% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 2.0792% | 386 |
| Noncurrent loans to loans | 2.0982% | 654 |
| Net loans and leases to total assets | 73.5968% | 1,678 |
| Net loans and leases to deposits | 87.9250% | 1,755 |
| Net loans and leases to core deposits | 96.2700% | 1,769 |
| Total domestic deposits to total assets | 83.7041% | 2,882 |
| Equity capital to assets | 10.6578% | 3,183 |
| Core capital (leverage) ratio | 10.6631% | 2,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6575% | 2,416 |
| Memoranda: | ||
| Average total assets | $381,689,500 | 1,833 |
| Average earning assets | $355,898,000 | 1,825 |
| Average equity | $41,521,000 | 1,929 |
| Average total loans | $285,659,500 | 1,689 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7917% | 2,067 |
| Cost of funding earning assets | 1.0875% | 1,376 |
| Net interest margin | 3.7042% | 2,803 |
| Noninterest income to average assets | 0.6316% | 2,085 |
| Noninterest expense to average assets | 2.4231% | 3,628 |
| Loan and lease loss provision to assets | 0.1758% | 1,186 |
| Net operating income to assets | 1.5037% | 1,042 |
| Return on assets (ROA) | 1.5120% | 1,084 |
| Pretax return on assets | 1.5120% | 1,772 |
| Return on Equity (ROE) | 14.4366% | 809 |
| Retained earnings to average equity (ytd only) | 4.5613% | 2,674 |
| Net charge-offs to loans | 0.1199% | 1,550 |
| Credit loss provision to net charge-offs | 194.1003% | 1,362 |
| Earnings coverage of net charge-offs (x) | 18.5428% | 2,054 |
| Efficiency ratio | 59.0622% | 3,833 |
| Assets per employee ($millions) | 4.8774% | 2,736 |
| Cash dividends to net income (ytd only)* | 68.4043% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 823 |
| Loan loss allowance to noncurrent loans | 73.2146% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 2.2745% | 309 |
| Noncurrent loans to loans | 2.3052% | 516 |
| Net loans and leases to total assets | 73.6217% | 1,814 |
| Net loans and leases to deposits | 87.6878% | 1,884 |
| Net loans and leases to core deposits | 100.5449% | 1,518 |
| Total domestic deposits to total assets | 83.9589% | 2,855 |
| Equity capital to assets | 11.1117% | 2,896 |
| Core capital (leverage) ratio | 10.7224% | 2,744 |
| Tier 1 risk-based capital ratio | 12.6036% | 4,010 |
| Total risk-based capital ratio | 13.8563% | 3,893 |
| Memoranda: | ||
| Average total assets | $374,273,800 | 1,826 |
| Average earning assets | $350,711,600 | 1,813 |
| Average equity | $39,199,000 | 1,975 |
| Average total loans | $282,711,200 | 1,678 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7994% | 2,120 |
| Cost of funding earning assets | 1.0948% | 1,376 |
| Net interest margin | 3.7046% | 2,906 |
| Noninterest income to average assets | 0.6024% | 2,191 |
| Noninterest expense to average assets | 2.4305% | 3,609 |
| Loan and lease loss provision to assets | 0.2104% | 825 |
| Net operating income to assets | 1.4429% | 1,349 |
| Return on assets (ROA) | 1.4535% | 1,378 |
| Pretax return on assets | 1.4535% | 2,104 |
| Return on Equity (ROE) | 14.0904% | 964 |
| Retained earnings to average equity (ytd only) | 3.6656% | 3,567 |
| Net charge-offs to loans | 0.1873% | 916 |
| Credit loss provision to net charge-offs | 148.3709% | 1,651 |
| Earnings coverage of net charge-offs (x) | 11.6591% | 2,425 |
| Efficiency ratio | 59.5161% | 3,727 |
| Assets per employee ($millions) | 5.0358% | 2,515 |
| Cash dividends to net income (ytd only)* | 73.9854% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 915 |
| Loan loss allowance to noncurrent loans | 70.6667% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 2.3062% | 323 |
| Noncurrent loans to loans | 2.3257% | 526 |
| Net loans and leases to total assets | 73.2007% | 1,961 |
| Net loans and leases to deposits | 85.3268% | 2,282 |
| Net loans and leases to core deposits | 99.3332% | 1,713 |
| Total domestic deposits to total assets | 85.7886% | 2,088 |
| Equity capital to assets | 10.8176% | 3,277 |
| Core capital (leverage) ratio | 10.4853% | 3,118 |
| Tier 1 risk-based capital ratio | 12.5646% | 4,105 |
| Total risk-based capital ratio | 13.8171% | 3,975 |
| Memoranda: | ||
| Average total assets | $375,172,250 | 1,838 |
| Average earning assets | $352,563,750 | 1,822 |
| Average equity | $38,701,500 | 1,999 |
| Average total loans | $283,992,500 | 1,686 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7580% | 2,198 |
| Cost of funding earning assets | 1.0805% | 1,378 |
| Net interest margin | 3.6775% | 2,999 |
| Noninterest income to average assets | 0.5851% | 2,219 |
| Noninterest expense to average assets | 2.3893% | 3,759 |
| Loan and lease loss provision to assets | 0.2101% | 801 |
| Net operating income to assets | 1.4526% | 1,286 |
| Return on assets (ROA) | 1.4601% | 1,319 |
| Pretax return on assets | 1.4601% | 1,994 |
| Return on Equity (ROE) | 14.3850% | 898 |
| Retained earnings to average equity (ytd only) | 2.9556% | 3,736 |
| Net charge-offs to loans | 0.2963% | 574 |
| Credit loss provision to net charge-offs | 93.1604% | 2,100 |
| Earnings coverage of net charge-offs (x) | 7.3726% | 2,494 |
| Efficiency ratio | 58.9656% | 3,869 |
| Assets per employee ($millions) | 5.1126% | 2,344 |
| Cash dividends to net income (ytd only)* | 79.4536% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5444% | 1,150 |
| Loan loss allowance to noncurrent loans | 66.4319% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 2.2282% | 375 |
| Noncurrent loans to loans | 2.3248% | 554 |
| Net loans and leases to total assets | 73.0956% | 2,040 |
| Net loans and leases to deposits | 83.3521% | 2,565 |
| Net loans and leases to core deposits | 98.2834% | 1,872 |
| Total domestic deposits to total assets | 87.6949% | 1,246 |
| Equity capital to assets | 10.4440% | 3,568 |
| Core capital (leverage) ratio | 10.3296% | 3,260 |
| Tier 1 risk-based capital ratio | 12.3767% | 4,197 |
| Total risk-based capital ratio | 13.6284% | 4,072 |
| Memoranda: | ||
| Average total assets | $376,012,670 | 1,843 |
| Average earning assets | $354,477,670 | 1,819 |
| Average equity | $38,164,670 | 2,014 |
| Average total loans | $286,209,670 | 1,681 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7019% | 2,217 |
| Cost of funding earning assets | 1.0170% | 1,496 |
| Net interest margin | 3.6848% | 2,949 |
| Noninterest income to average assets | 0.5463% | 2,306 |
| Noninterest expense to average assets | 2.4266% | 3,695 |
| Loan and lease loss provision to assets | 0.2102% | 749 |
| Net operating income to assets | 1.3968% | 1,387 |
| Return on assets (ROA) | 1.3968% | 1,419 |
| Pretax return on assets | 1.3968% | 2,096 |
| Return on Equity (ROE) | 13.9662% | 981 |
| Retained earnings to average equity (ytd only) | 0.9176% | 4,331 |
| Net charge-offs to loans | 0.2299% | 626 |
| Credit loss provision to net charge-offs | 118.6747% | 1,421 |
| Earnings coverage of net charge-offs (x) | 9.0723% | 2,049 |
| Efficiency ratio | 60.1587% | 3,784 |
| Assets per employee ($millions) | 5.2376% | 2,246 |
| Cash dividends to net income (ytd only)* | 93.4301% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 1,236 |
| Loan loss allowance to noncurrent loans | 58.0232% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 2.3768% | 345 |
| Noncurrent loans to loans | 2.6394% | 480 |
| Net loans and leases to total assets | 74.9682% | 1,645 |
| Net loans and leases to deposits | 85.7499% | 2,160 |
| Net loans and leases to core deposits | 98.9957% | 1,705 |
| Total domestic deposits to total assets | 87.4266% | 1,602 |
| Equity capital to assets | 10.0667% | 3,757 |
| Core capital (leverage) ratio | 10.3250% | 3,249 |
| Tier 1 risk-based capital ratio | 12.2786% | 4,312 |
| Total risk-based capital ratio | 13.5307% | 4,166 |
| Memoranda: | ||
| Average total assets | $374,853,000 | 1,858 |
| Average earning assets | $354,752,000 | 1,825 |
| Average equity | $37,490,500 | 2,035 |
| Average total loans | $288,873,500 | 1,671 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5129% | 2,422 |
| Cost of funding earning assets | 0.7346% | 1,873 |
| Net interest margin | 3.7783% | 2,748 |
| Noninterest income to average assets | 0.6190% | 2,197 |
| Noninterest expense to average assets | 2.4914% | 3,636 |
| Loan and lease loss provision to assets | 0.2875% | 565 |
| Net operating income to assets | 1.4370% | 1,316 |
| Return on assets (ROA) | 1.4370% | 1,307 |
| Pretax return on assets | 1.4370% | 2,003 |
| Return on Equity (ROE) | 13.8372% | 1,084 |
| Retained earnings to average equity (ytd only) | 4.8981% | 2,828 |
| Net charge-offs to loans | 0.1944% | 990 |
| Credit loss provision to net charge-offs | 194.1634% | 1,482 |
| Earnings coverage of net charge-offs (x) | 11.6479% | 2,610 |
| Efficiency ratio | 59.0968% | 3,998 |
| Assets per employee ($millions) | 5.1041% | 2,377 |
| Cash dividends to net income (ytd only)* | 64.6021% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5022% | 1,280 |
| Loan loss allowance to noncurrent loans | 57.2665% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 2.4179% | 327 |
| Noncurrent loans to loans | 2.6232% | 448 |
| Net loans and leases to total assets | 76.8315% | 1,465 |
| Net loans and leases to deposits | 87.7431% | 2,075 |
| Net loans and leases to core deposits | 105.5528% | 1,300 |
| Total domestic deposits to total assets | 87.5642% | 1,501 |
| Equity capital to assets | 9.9353% | 3,736 |
| Core capital (leverage) ratio | 10.7606% | 2,775 |
| Tier 1 risk-based capital ratio | 12.1027% | 4,361 |
| Total risk-based capital ratio | 13.3544% | 4,251 |
| Memoranda: | ||
| Average total assets | $347,187,800 | 1,926 |
| Average earning assets | $330,515,800 | 1,885 |
| Average equity | $36,055,000 | 2,031 |
| Average total loans | $264,402,000 | 1,760 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4495% | 2,464 |
| Cost of funding earning assets | 0.6666% | 2,052 |
| Net interest margin | 3.7829% | 2,706 |
| Noninterest income to average assets | 0.6063% | 2,274 |
| Noninterest expense to average assets | 2.5380% | 3,483 |
| Loan and lease loss provision to assets | 0.2191% | 763 |
| Net operating income to assets | 1.4521% | 1,319 |
| Return on assets (ROA) | 1.4521% | 1,320 |
| Pretax return on assets | 1.4521% | 2,054 |
| Return on Equity (ROE) | 13.8192% | 1,168 |
| Retained earnings to average equity (ytd only) | 3.4027% | 4,062 |
| Net charge-offs to loans | 0.2389% | 717 |
| Credit loss provision to net charge-offs | 121.2121% | 1,974 |
| Earnings coverage of net charge-offs (x) | 9.2468% | 2,655 |
| Efficiency ratio | 60.2974% | 3,777 |
| Assets per employee ($millions) | 4.8890% | 2,610 |
| Cash dividends to net income (ytd only)* | 75.3771% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4961% | 1,359 |
| Loan loss allowance to noncurrent loans | 51.8094% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 2.6267% | 320 |
| Noncurrent loans to loans | 2.8876% | 393 |
| Net loans and leases to total assets | 74.4455% | 1,912 |
| Net loans and leases to deposits | 87.6971% | 2,189 |
| Net loans and leases to core deposits | 96.7413% | 2,049 |
| Total domestic deposits to total assets | 84.8894% | 2,644 |
| Equity capital to assets | 10.1516% | 3,491 |
| Core capital (leverage) ratio | 10.8665% | 2,708 |
| Tier 1 risk-based capital ratio | 12.8128% | 4,011 |
| Total risk-based capital ratio | 14.0642% | 3,910 |
| Memoranda: | ||
| Average total assets | $340,834,500 | 1,959 |
| Average earning assets | $324,612,250 | 1,920 |
| Average equity | $35,814,000 | 2,049 |
| Average total loans | $257,842,250 | 1,799 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3540% | 2,571 |
| Cost of funding earning assets | 0.6232% | 2,086 |
| Net interest margin | 3.7309% | 2,821 |
| Noninterest income to average assets | 0.6668% | 2,019 |
| Noninterest expense to average assets | 2.5546% | 3,457 |
| Loan and lease loss provision to assets | 0.1780% | 1,016 |
| Net operating income to assets | 1.4933% | 1,180 |
| Return on assets (ROA) | 1.4933% | 1,174 |
| Pretax return on assets | 1.4933% | 1,839 |
| Return on Equity (ROE) | 14.0455% | 1,068 |
| Retained earnings to average equity (ytd only) | 3.0301% | 4,039 |
| Net charge-offs to loans | 0.1638% | 945 |
| Credit loss provision to net charge-offs | 143.5407% | 1,617 |
| Earnings coverage of net charge-offs (x) | 13.4785% | 2,148 |
| Efficiency ratio | 60.4521% | 3,875 |
| Assets per employee ($millions) | 4.8297% | 2,644 |
| Cash dividends to net income (ytd only)* | 78.4267% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 1,364 |
| Loan loss allowance to noncurrent loans | 51.4238% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 2.8086% | 281 |
| Noncurrent loans to loans | 2.9388% | 392 |
| Net loans and leases to total assets | 75.5076% | 1,712 |
| Net loans and leases to deposits | 88.3208% | 2,072 |
| Net loans and leases to core deposits | 97.0818% | 1,954 |
| Total domestic deposits to total assets | 85.4924% | 2,500 |
| Equity capital to assets | 10.3613% | 3,266 |
| Core capital (leverage) ratio | 11.2227% | 2,324 |
| Tier 1 risk-based capital ratio | 12.8398% | 3,990 |
| Total risk-based capital ratio | 14.0915% | 3,900 |
| Memoranda: | ||
| Average total assets | $337,111,000 | 1,977 |
| Average earning assets | $321,588,670 | 1,937 |
| Average equity | $35,840,670 | 2,045 |
| Average total loans | $255,112,330 | 1,821 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3037% | 2,498 |
| Cost of funding earning assets | 0.5870% | 2,131 |
| Net interest margin | 3.7167% | 2,739 |
| Noninterest income to average assets | 0.6295% | 2,133 |
| Noninterest expense to average assets | 2.5792% | 3,396 |
| Loan and lease loss provision to assets | 0.0718% | 2,328 |
| Net operating income to assets | 1.5248% | 1,022 |
| Return on assets (ROA) | 1.5248% | 1,026 |
| Pretax return on assets | 1.5248% | 1,614 |
| Return on Equity (ROE) | 14.1571% | 976 |
| Retained earnings to average equity (ytd only) | 5.0006% | 3,171 |
| Net charge-offs to loans | 0.0334% | 1,841 |
| Credit loss provision to net charge-offs | 285.7143% | 845 |
| Earnings coverage of net charge-offs (x) | 63.5238% | 815 |
| Efficiency ratio | 61.7655% | 3,827 |
| Assets per employee ($millions) | 4.8182% | 2,715 |
| Cash dividends to net income (ytd only)* | 64.6782% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5504% | 1,286 |
| Loan loss allowance to noncurrent loans | 51.8989% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 2.7031% | 326 |
| Noncurrent loans to loans | 2.9874% | 402 |
| Net loans and leases to total assets | 73.8380% | 1,885 |
| Net loans and leases to deposits | 85.2975% | 2,262 |
| Net loans and leases to core deposits | 92.9642% | 2,215 |
| Total domestic deposits to total assets | 86.5653% | 2,282 |
| Equity capital to assets | 10.5872% | 2,987 |
| Core capital (leverage) ratio | 11.1871% | 2,257 |
| Tier 1 risk-based capital ratio | 13.1563% | 3,873 |
| Total risk-based capital ratio | 14.4079% | 3,776 |
| Memoranda: | ||
| Average total assets | $334,211,000 | 2,000 |
| Average earning assets | $318,885,000 | 1,963 |
| Average equity | $35,996,000 | 2,043 |
| Average total loans | $251,220,000 | 1,843 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1755% | 2,782 |
| Cost of funding earning assets | 0.4952% | 2,377 |
| Net interest margin | 3.6803% | 2,878 |
| Noninterest income to average assets | 0.6717% | 2,087 |
| Noninterest expense to average assets | 2.6255% | 3,367 |
| Loan and lease loss provision to assets | 0.1277% | 1,792 |
| Net operating income to assets | 1.4283% | 957 |
| Return on assets (ROA) | 1.4443% | 935 |
| Pretax return on assets | 1.4443% | 1,837 |
| Return on Equity (ROE) | 13.0757% | 938 |
| Retained earnings to average equity (ytd only) | 5.7788% | 1,667 |
| Net charge-offs to loans | 0.2179% | 1,193 |
| Credit loss provision to net charge-offs | 78.4884% | 2,964 |
| Earnings coverage of net charge-offs (x) | 9.5659% | 2,769 |
| Efficiency ratio | 62.7893% | 3,814 |
| Assets per employee ($millions) | 4.3572% | 3,394 |
| Cash dividends to net income (ytd only)* | 55.8053% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5560% | 1,256 |
| Loan loss allowance to noncurrent loans | 51.1126% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 2.7646% | 310 |
| Noncurrent loans to loans | 3.0443% | 364 |
| Net loans and leases to total assets | 74.1661% | 1,889 |
| Net loans and leases to deposits | 88.2938% | 1,985 |
| Net loans and leases to core deposits | 98.4148% | 1,834 |
| Total domestic deposits to total assets | 83.9992% | 3,208 |
| Equity capital to assets | 10.9571% | 2,669 |
| Core capital (leverage) ratio | 11.4963% | 1,944 |
| Tier 1 risk-based capital ratio | 13.3036% | 3,739 |
| Total risk-based capital ratio | 14.5556% | 3,653 |
| Memoranda: | ||
| Average total assets | $317,236,200 | 2,078 |
| Average earning assets | $302,529,000 | 2,030 |
| Average equity | $35,042,000 | 2,079 |
| Average total loans | $236,761,200 | 1,897 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1426% | 2,826 |
| Cost of funding earning assets | 0.4899% | 2,355 |
| Net interest margin | 3.6528% | 2,939 |
| Noninterest income to average assets | 0.6888% | 2,045 |
| Noninterest expense to average assets | 2.6393% | 3,288 |
| Loan and lease loss provision to assets | 0.1721% | 1,169 |
| Net operating income to assets | 1.3628% | 1,177 |
| Return on assets (ROA) | 1.3840% | 1,141 |
| Pretax return on assets | 1.3840% | 2,161 |
| Return on Equity (ROE) | 12.5032% | 1,188 |
| Retained earnings to average equity (ytd only) | 4.2228% | 3,389 |
| Net charge-offs to loans | 0.2717% | 795 |
| Credit loss provision to net charge-offs | 85.0840% | 2,517 |
| Earnings coverage of net charge-offs (x) | 7.5882% | 2,860 |
| Efficiency ratio | 63.2292% | 3,676 |
| Assets per employee ($millions) | 4.2055% | 3,632 |
| Cash dividends to net income (ytd only)* | 66.2266% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6414% | 1,153 |
| Loan loss allowance to noncurrent loans | 53.6159% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 2.8848% | 324 |
| Noncurrent loans to loans | 3.0613% | 405 |
| Net loans and leases to total assets | 74.5148% | 1,834 |
| Net loans and leases to deposits | 84.5832% | 2,484 |
| Net loans and leases to core deposits | 92.3224% | 2,407 |
| Total domestic deposits to total assets | 88.0964% | 1,314 |
| Equity capital to assets | 11.3823% | 2,481 |
| Core capital (leverage) ratio | 11.2027% | 2,276 |
| Tier 1 risk-based capital ratio | 13.6772% | 3,598 |
| Total risk-based capital ratio | 14.9303% | 3,524 |
| Memoranda: | ||
| Average total assets | $313,758,750 | 2,111 |
| Average earning assets | $299,383,250 | 2,058 |
| Average equity | $34,731,500 | 2,105 |
| Average total loans | $233,581,500 | 1,921 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0816% | 2,886 |
| Cost of funding earning assets | 0.4770% | 2,355 |
| Net interest margin | 3.6046% | 3,017 |
| Noninterest income to average assets | 0.6769% | 2,092 |
| Noninterest expense to average assets | 2.6455% | 3,286 |
| Loan and lease loss provision to assets | 0.2107% | 846 |
| Net operating income to assets | 1.2567% | 1,413 |
| Return on assets (ROA) | 1.2701% | 1,404 |
| Pretax return on assets | 1.2701% | 2,494 |
| Return on Equity (ROE) | 11.5836% | 1,431 |
| Retained earnings to average equity (ytd only) | 3.6748% | 3,514 |
| Net charge-offs to loans | 0.2934% | 694 |
| Credit loss provision to net charge-offs | 97.0588% | 2,069 |
| Earnings coverage of net charge-offs (x) | 6.7588% | 2,670 |
| Efficiency ratio | 64.3223% | 3,623 |
| Assets per employee ($millions) | 4.3299% | 3,379 |
| Cash dividends to net income (ytd only)* | 68.2755% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7079% | 1,047 |
| Loan loss allowance to noncurrent loans | 48.8053% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 3.0495% | 298 |
| Noncurrent loans to loans | 3.4995% | 324 |
| Net loans and leases to total assets | 71.5401% | 2,273 |
| Net loans and leases to deposits | 80.8649% | 2,823 |
| Net loans and leases to core deposits | 86.9306% | 2,799 |
| Total domestic deposits to total assets | 88.4686% | 1,219 |
| Equity capital to assets | 11.0526% | 2,746 |
| Core capital (leverage) ratio | 11.1969% | 2,223 |
| Tier 1 risk-based capital ratio | 13.7292% | 3,571 |
| Total risk-based capital ratio | 14.9828% | 3,489 |
| Memoranda: | ||
| Average total assets | $313,208,330 | 2,115 |
| Average earning assets | $298,560,670 | 2,064 |
| Average equity | $34,341,670 | 2,126 |
| Average total loans | $231,792,330 | 1,936 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0501% | 2,852 |
| Cost of funding earning assets | 0.4684% | 2,356 |
| Net interest margin | 3.5818% | 2,959 |
| Noninterest income to average assets | 0.6718% | 2,085 |
| Noninterest expense to average assets | 2.6472% | 3,313 |
| Loan and lease loss provision to assets | 0.2132% | 761 |
| Net operating income to assets | 1.2299% | 1,429 |
| Return on assets (ROA) | 1.2726% | 1,347 |
| Pretax return on assets | 1.2726% | 2,338 |
| Return on Equity (ROE) | 11.6549% | 1,350 |
| Retained earnings to average equity (ytd only) | 1.7867% | 4,401 |
| Net charge-offs to loans | 0.1592% | 1,018 |
| Credit loss provision to net charge-offs | 179.3478% | 1,093 |
| Earnings coverage of net charge-offs (x) | 12.1413% | 1,851 |
| Efficiency ratio | 64.7189% | 3,708 |
| Assets per employee ($millions) | 4.2273% | 3,619 |
| Cash dividends to net income (ytd only)* | 84.6701% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 1,030 |
| Loan loss allowance to noncurrent loans | 49.2550% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 3.1084% | 309 |
| Noncurrent loans to loans | 3.5766% | 330 |
| Net loans and leases to total assets | 71.5172% | 2,138 |
| Net loans and leases to deposits | 80.5348% | 2,679 |
| Net loans and leases to core deposits | 86.5371% | 2,673 |
| Total domestic deposits to total assets | 88.8028% | 1,254 |
| Equity capital to assets | 10.7351% | 2,920 |
| Core capital (leverage) ratio | 11.1329% | 2,248 |
| Tier 1 risk-based capital ratio | 13.5484% | 3,749 |
| Total risk-based capital ratio | 14.8026% | 3,656 |
| Memoranda: | ||
| Average total assets | $309,606,500 | 2,156 |
| Average earning assets | $295,496,500 | 2,101 |
| Average equity | $33,805,500 | 2,160 |
| Average total loans | $231,085,500 | 1,950 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1541% | 2,646 |
| Cost of funding earning assets | 0.4547% | 2,499 |
| Net interest margin | 3.6994% | 2,696 |
| Noninterest income to average assets | 0.8389% | 1,618 |
| Noninterest expense to average assets | 2.6521% | 3,518 |
| Loan and lease loss provision to assets | 0.2672% | 757 |
| Net operating income to assets | 1.4496% | 916 |
| Return on assets (ROA) | 1.4582% | 927 |
| Pretax return on assets | 1.4582% | 1,723 |
| Return on Equity (ROE) | 13.0581% | 979 |
| Retained earnings to average equity (ytd only) | 3.6811% | 3,291 |
| Net charge-offs to loans | 0.7943% | 254 |
| Credit loss provision to net charge-offs | 44.8505% | 3,445 |
| Earnings coverage of net charge-offs (x) | 2.8815% | 3,753 |
| Efficiency ratio | 60.7038% | 4,467 |
| Assets per employee ($millions) | 4.0289% | 3,914 |
| Cash dividends to net income (ytd only)* | 71.8100% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7254% | 1,092 |
| Loan loss allowance to noncurrent loans | 52.6233% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 3.0963% | 314 |
| Noncurrent loans to loans | 3.2788% | 377 |
| Net loans and leases to total assets | 75.2466% | 1,645 |
| Net loans and leases to deposits | 86.7716% | 2,078 |
| Net loans and leases to core deposits | 94.1694% | 2,086 |
| Total domestic deposits to total assets | 86.7180% | 2,277 |
| Equity capital to assets | 11.1117% | 2,527 |
| Core capital (leverage) ratio | 11.5519% | 1,895 |
| Tier 1 risk-based capital ratio | 13.1717% | 3,963 |
| Total risk-based capital ratio | 14.4250% | 3,884 |
| Memoranda: | ||
| Average total assets | $303,121,600 | 2,149 |
| Average earning assets | $289,233,000 | 2,107 |
| Average equity | $33,848,800 | 2,141 |
| Average total loans | $227,382,400 | 1,929 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1065% | 2,850 |
| Cost of funding earning assets | 0.4613% | 2,454 |
| Net interest margin | 3.6451% | 2,913 |
| Noninterest income to average assets | 0.8623% | 1,538 |
| Noninterest expense to average assets | 2.6441% | 3,522 |
| Loan and lease loss provision to assets | 0.2835% | 615 |
| Net operating income to assets | 1.4143% | 1,043 |
| Return on assets (ROA) | 1.4258% | 1,067 |
| Pretax return on assets | 1.4258% | 1,948 |
| Return on Equity (ROE) | 12.7524% | 1,115 |
| Retained earnings to average equity (ytd only) | 1.8476% | 4,758 |
| Net charge-offs to loans | 0.7957% | 226 |
| Credit loss provision to net charge-offs | 47.7424% | 3,061 |
| Earnings coverage of net charge-offs (x) | 2.8594% | 3,506 |
| Efficiency ratio | 60.8969% | 4,411 |
| Assets per employee ($millions) | 4.1266% | 3,744 |
| Cash dividends to net income (ytd only)* | 85.5115% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8791% | 881 |
| Loan loss allowance to noncurrent loans | 47.2204% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 3.4195% | 295 |
| Noncurrent loans to loans | 3.9795% | 275 |
| Net loans and leases to total assets | 74.2053% | 1,839 |
| Net loans and leases to deposits | 84.4303% | 2,438 |
| Net loans and leases to core deposits | 90.8100% | 2,499 |
| Total domestic deposits to total assets | 87.8894% | 1,455 |
| Equity capital to assets | 11.4639% | 2,542 |
| Core capital (leverage) ratio | 11.2452% | 2,234 |
| Tier 1 risk-based capital ratio | 13.4051% | 3,915 |
| Total risk-based capital ratio | 14.6607% | 3,822 |
| Memoranda: | ||
| Average total assets | $303,359,750 | 2,155 |
| Average earning assets | $289,585,250 | 2,107 |
| Average equity | $33,917,000 | 2,149 |
| Average total loans | $226,387,000 | 1,937 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0841% | 2,924 |
| Cost of funding earning assets | 0.4678% | 2,394 |
| Net interest margin | 3.6164% | 3,031 |
| Noninterest income to average assets | 0.8564% | 1,523 |
| Noninterest expense to average assets | 2.6067% | 3,702 |
| Loan and lease loss provision to assets | 0.3157% | 552 |
| Net operating income to assets | 1.3918% | 1,070 |
| Return on assets (ROA) | 1.4089% | 1,101 |
| Pretax return on assets | 1.4089% | 1,989 |
| Return on Equity (ROE) | 12.7079% | 1,100 |
| Retained earnings to average equity (ytd only) | 1.1984% | 4,901 |
| Net charge-offs to loans | 1.0925% | 159 |
| Credit loss provision to net charge-offs | 38.8979% | 2,779 |
| Earnings coverage of net charge-offs (x) | 2.1037% | 3,325 |
| Efficiency ratio | 60.4208% | 4,585 |
| Assets per employee ($millions) | 4.0849% | 3,761 |
| Cash dividends to net income (ytd only)* | 90.5696% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8567% | 969 |
| Loan loss allowance to noncurrent loans | 47.1801% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 3.2206% | 366 |
| Noncurrent loans to loans | 3.9355% | 298 |
| Net loans and leases to total assets | 73.0311% | 2,008 |
| Net loans and leases to deposits | 84.6269% | 2,394 |
| Net loans and leases to core deposits | 90.0948% | 2,524 |
| Total domestic deposits to total assets | 86.2977% | 2,271 |
| Equity capital to assets | 11.2001% | 2,847 |
| Core capital (leverage) ratio | 10.9931% | 2,437 |
| Tier 1 risk-based capital ratio | 13.1718% | 4,092 |
| Total risk-based capital ratio | 14.4268% | 4,011 |
| Memoranda: | ||
| Average total assets | $304,066,330 | 2,156 |
| Average earning assets | $290,734,670 | 2,109 |
| Average equity | $33,711,330 | 2,161 |
| Average total loans | $225,910,330 | 1,946 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0395% | 3,073 |
| Cost of funding earning assets | 0.4846% | 2,235 |
| Net interest margin | 3.5549% | 3,256 |
| Noninterest income to average assets | 0.9204% | 1,265 |
| Noninterest expense to average assets | 2.6344% | 3,642 |
| Loan and lease loss provision to assets | 0.4160% | 322 |
| Net operating income to assets | 1.2703% | 1,337 |
| Return on assets (ROA) | 1.2809% | 1,391 |
| Pretax return on assets | 1.2809% | 2,379 |
| Return on Equity (ROE) | 11.6133% | 1,420 |
| Retained earnings to average equity (ytd only) | 1.5444% | 4,652 |
| Net charge-offs to loans | 2.0118% | 77 |
| Credit loss provision to net charge-offs | 27.8515% | 2,240 |
| Earnings coverage of net charge-offs (x) | 1.1291% | 2,862 |
| Efficiency ratio | 60.9719% | 4,606 |
| Assets per employee ($millions) | 4.2103% | 3,575 |
| Cash dividends to net income (ytd only)* | 86.7010% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8709% | 1,008 |
| Loan loss allowance to noncurrent loans | 38.9163% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 3.5100% | 318 |
| Noncurrent loans to loans | 4.8075% | 213 |
| Net loans and leases to total assets | 71.2123% | 2,150 |
| Net loans and leases to deposits | 80.3779% | 2,742 |
| Net loans and leases to core deposits | 84.3705% | 2,902 |
| Total domestic deposits to total assets | 88.5968% | 1,305 |
| Equity capital to assets | 10.9587% | 2,988 |
| Core capital (leverage) ratio | 10.9199% | 2,475 |
| Tier 1 risk-based capital ratio | 13.2457% | 4,120 |
| Total risk-based capital ratio | 14.5007% | 4,045 |
| Memoranda: | ||
| Average total assets | $302,914,000 | 2,165 |
| Average earning assets | $289,739,500 | 2,129 |
| Average equity | $33,410,000 | 2,180 |
| Average total loans | $224,876,000 | 1,953 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1022% | 2,911 |
| Cost of funding earning assets | 0.5018% | 2,141 |
| Net interest margin | 3.6004% | 3,137 |
| Noninterest income to average assets | 0.7816% | 1,857 |
| Noninterest expense to average assets | 2.6296% | 3,821 |
| Loan and lease loss provision to assets | 0.2617% | 713 |
| Net operating income to assets | 1.3374% | 1,186 |
| Return on assets (ROA) | 1.3324% | 1,236 |
| Pretax return on assets | 1.3324% | 2,156 |
| Return on Equity (ROE) | 12.1514% | 1,264 |
| Retained earnings to average equity (ytd only) | 2.1357% | 4,502 |
| Net charge-offs to loans | 0.3025% | 997 |
| Credit loss provision to net charge-offs | 118.3333% | 2,177 |
| Earnings coverage of net charge-offs (x) | 7.2318% | 3,102 |
| Efficiency ratio | 62.1851% | 4,574 |
| Assets per employee ($millions) | 3.9797% | 3,973 |
| Cash dividends to net income (ytd only)* | 82.4239% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2002% | 592 |
| Loan loss allowance to noncurrent loans | 41.1823% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 4.0898% | 256 |
| Noncurrent loans to loans | 5.3426% | 173 |
| Net loans and leases to total assets | 74.2836% | 1,678 |
| Net loans and leases to deposits | 85.4704% | 2,190 |
| Net loans and leases to core deposits | 90.0074% | 2,405 |
| Total domestic deposits to total assets | 86.9115% | 2,187 |
| Equity capital to assets | 11.1024% | 2,725 |
| Core capital (leverage) ratio | 11.1664% | 2,249 |
| Tier 1 risk-based capital ratio | 13.0032% | 4,314 |
| Total risk-based capital ratio | 14.2618% | 4,218 |
| Memoranda: | ||
| Average total assets | $298,488,600 | 2,152 |
| Average earning assets | $285,771,400 | 2,099 |
| Average equity | $32,728,800 | 2,159 |
| Average total loans | $218,189,200 | 1,939 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1244% | 2,835 |
| Cost of funding earning assets | 0.5175% | 2,061 |
| Net interest margin | 3.6069% | 3,132 |
| Noninterest income to average assets | 0.8130% | 1,761 |
| Noninterest expense to average assets | 2.6157% | 3,815 |
| Loan and lease loss provision to assets | 0.0938% | 2,289 |
| Net operating income to assets | 1.5562% | 839 |
| Return on assets (ROA) | 1.5602% | 876 |
| Pretax return on assets | 1.5602% | 1,503 |
| Return on Equity (ROE) | 14.2743% | 848 |
| Retained earnings to average equity (ytd only) | 2.5132% | 4,621 |
| Net charge-offs to loans | 0.2586% | 1,018 |
| Credit loss provision to net charge-offs | 50.1193% | 3,028 |
| Earnings coverage of net charge-offs (x) | 8.8163% | 2,763 |
| Efficiency ratio | 61.3194% | 4,673 |
| Assets per employee ($millions) | 4.0581% | 3,787 |
| Cash dividends to net income (ytd only)* | 82.3934% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1334% | 725 |
| Loan loss allowance to noncurrent loans | 56.5909% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 2.7729% | 580 |
| Noncurrent loans to loans | 3.7699% | 379 |
| Net loans and leases to total assets | 71.1554% | 2,203 |
| Net loans and leases to deposits | 81.7901% | 2,666 |
| Net loans and leases to core deposits | 85.9346% | 2,856 |
| Total domestic deposits to total assets | 86.9976% | 2,042 |
| Equity capital to assets | 11.0683% | 2,943 |
| Core capital (leverage) ratio | 11.2237% | 2,271 |
| Tier 1 risk-based capital ratio | 13.2696% | 4,278 |
| Total risk-based capital ratio | 14.5273% | 4,193 |
| Memoranda: | ||
| Average total assets | $298,492,000 | 2,168 |
| Average earning assets | $285,739,500 | 2,109 |
| Average equity | $32,626,500 | 2,179 |
| Average total loans | $216,060,000 | 1,958 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1330% | 2,781 |
| Cost of funding earning assets | 0.5357% | 1,937 |
| Net interest margin | 3.5973% | 3,106 |
| Noninterest income to average assets | 0.8641% | 1,556 |
| Noninterest expense to average assets | 2.6164% | 3,861 |
| Loan and lease loss provision to assets | 0.0739% | 2,636 |
| Net operating income to assets | 1.6140% | 725 |
| Return on assets (ROA) | 1.6288% | 738 |
| Pretax return on assets | 1.6288% | 1,253 |
| Return on Equity (ROE) | 14.9648% | 738 |
| Retained earnings to average equity (ytd only) | 2.4057% | 4,529 |
| Net charge-offs to loans | 0.4626% | 551 |
| Credit loss provision to net charge-offs | 22.0884% | 2,999 |
| Earnings coverage of net charge-offs (x) | 5.0482% | 2,963 |
| Efficiency ratio | 60.7861% | 4,862 |
| Assets per employee ($millions) | 3.9599% | 3,960 |
| Cash dividends to net income (ytd only)* | 83.9242% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0887% | 868 |
| Loan loss allowance to noncurrent loans | 52.3860% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 2.9257% | 579 |
| Noncurrent loans to loans | 3.9871% | 392 |
| Net loans and leases to total assets | 70.6968% | 2,210 |
| Net loans and leases to deposits | 80.1324% | 2,767 |
| Net loans and leases to core deposits | 84.3967% | 2,940 |
| Total domestic deposits to total assets | 88.2249% | 1,530 |
| Equity capital to assets | 10.9387% | 2,947 |
| Core capital (leverage) ratio | 10.9642% | 2,466 |
| Tier 1 risk-based capital ratio | 13.3318% | 4,329 |
| Total risk-based capital ratio | 14.5886% | 4,249 |
| Memoranda: | ||
| Average total assets | $297,889,670 | 2,189 |
| Average earning assets | $284,877,670 | 2,129 |
| Average equity | $32,422,670 | 2,201 |
| Average total loans | $215,301,000 | 1,973 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0959% | 2,846 |
| Cost of funding earning assets | 0.5471% | 1,873 |
| Net interest margin | 3.5488% | 3,227 |
| Noninterest income to average assets | 0.8219% | 1,625 |
| Noninterest expense to average assets | 2.6024% | 3,907 |
| Loan and lease loss provision to assets | 0.1475% | 1,377 |
| Net operating income to assets | 1.4722% | 902 |
| Return on assets (ROA) | 1.4722% | 961 |
| Pretax return on assets | 1.4722% | 1,651 |
| Return on Equity (ROE) | 13.5595% | 964 |
| Retained earnings to average equity (ytd only) | 3.5936% | 3,846 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6386% | 4,854 |
| Assets per employee ($millions) | 4.1253% | 3,709 |
| Cash dividends to net income (ytd only)* | 73.4973% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2848% | 719 |
| Loan loss allowance to noncurrent loans | 58.2018% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 2.8817% | 675 |
| Noncurrent loans to loans | 3.9257% | 447 |
| Net loans and leases to total assets | 69.7388% | 2,177 |
| Net loans and leases to deposits | 79.8206% | 2,574 |
| Net loans and leases to core deposits | 83.9849% | 2,775 |
| Total domestic deposits to total assets | 87.3694% | 2,182 |
| Equity capital to assets | 10.7375% | 3,279 |
| Core capital (leverage) ratio | 10.9384% | 2,475 |
| Tier 1 risk-based capital ratio | 13.1935% | 4,504 |
| Total risk-based capital ratio | 14.4526% | 4,413 |
| Memoranda: | ||
| Average total assets | $298,339,000 | 2,206 |
| Average earning assets | $285,846,000 | 2,134 |
| Average equity | $32,390,500 | 2,215 |
| Average total loans | $215,730,500 | 1,970 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3084% | 2,579 |
| Cost of funding earning assets | 0.5888% | 1,868 |
| Net interest margin | 3.7197% | 2,930 |
| Noninterest income to average assets | 0.5890% | 2,926 |
| Noninterest expense to average assets | 2.5980% | 4,227 |
| Loan and lease loss provision to assets | 0.2410% | 977 |
| Net operating income to assets | 1.2961% | 1,314 |
| Return on assets (ROA) | 1.2965% | 1,363 |
| Pretax return on assets | 1.2965% | 2,252 |
| Return on Equity (ROE) | 12.4164% | 1,290 |
| Retained earnings to average equity (ytd only) | 2.8221% | 4,232 |
| Net charge-offs to loans | 0.2629% | 1,644 |
| Credit loss provision to net charge-offs | 125.2632% | 1,908 |
| Earnings coverage of net charge-offs (x) | 7.9895% | 2,938 |
| Efficiency ratio | 62.8275% | 4,779 |
| Assets per employee ($millions) | 4.0473% | 3,839 |
| Cash dividends to net income (ytd only)* | 77.2715% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2787% | 740 |
| Loan loss allowance to noncurrent loans | 56.0908% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 3.1942% | 604 |
| Noncurrent loans to loans | 4.0625% | 443 |
| Net loans and leases to total assets | 71.6262% | 1,968 |
| Net loans and leases to deposits | 81.7168% | 2,509 |
| Net loans and leases to core deposits | 86.1231% | 2,674 |
| Total domestic deposits to total assets | 87.6518% | 1,956 |
| Equity capital to assets | 10.9820% | 2,911 |
| Core capital (leverage) ratio | 11.2112% | 2,211 |
| Tier 1 risk-based capital ratio | 14.0205% | 4,074 |
| Total risk-based capital ratio | 15.2810% | 3,993 |
| Memoranda: | ||
| Average total assets | $296,262,800 | 2,175 |
| Average earning assets | $282,445,400 | 2,108 |
| Average equity | $30,934,800 | 2,223 |
| Average total loans | $216,776,000 | 1,923 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2490% | 2,811 |
| Cost of funding earning assets | 0.6010% | 1,820 |
| Net interest margin | 3.6480% | 3,234 |
| Noninterest income to average assets | 0.5508% | 3,198 |
| Noninterest expense to average assets | 2.5727% | 4,280 |
| Loan and lease loss provision to assets | 0.2479% | 877 |
| Net operating income to assets | 1.2043% | 1,665 |
| Return on assets (ROA) | 1.2043% | 1,730 |
| Pretax return on assets | 1.2043% | 2,760 |
| Return on Equity (ROE) | 11.6818% | 1,565 |
| Retained earnings to average equity (ytd only) | 0.5173% | 5,659 |
| Net charge-offs to loans | 0.3321% | 1,208 |
| Credit loss provision to net charge-offs | 102.0295% | 2,162 |
| Earnings coverage of net charge-offs (x) | 5.9778% | 3,158 |
| Efficiency ratio | 63.9198% | 4,554 |
| Assets per employee ($millions) | 4.1044% | 3,663 |
| Cash dividends to net income (ytd only)* | 95.5711% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2034% | 943 |
| Loan loss allowance to noncurrent loans | 43.5940% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 3.9584% | 506 |
| Noncurrent loans to loans | 5.0544% | 356 |
| Net loans and leases to total assets | 72.0884% | 1,832 |
| Net loans and leases to deposits | 82.1367% | 2,406 |
| Net loans and leases to core deposits | 86.6119% | 2,596 |
| Total domestic deposits to total assets | 87.7663% | 1,889 |
| Equity capital to assets | 10.6088% | 3,422 |
| Core capital (leverage) ratio | 10.8846% | 2,593 |
| Tier 1 risk-based capital ratio | 13.9365% | 4,262 |
| Total risk-based capital ratio | 15.1968% | 4,198 |
| Memoranda: | ||
| Average total assets | $297,477,750 | 2,190 |
| Average earning assets | $283,289,750 | 2,118 |
| Average equity | $30,668,000 | 2,250 |
| Average total loans | $217,573,000 | 1,934 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2647% | 2,719 |
| Cost of funding earning assets | 0.6136% | 1,783 |
| Net interest margin | 3.6512% | 3,139 |
| Noninterest income to average assets | 0.5182% | 3,354 |
| Noninterest expense to average assets | 2.5342% | 4,472 |
| Loan and lease loss provision to assets | 0.2805% | 725 |
| Net operating income to assets | 1.1806% | 1,652 |
| Return on assets (ROA) | 1.1806% | 1,725 |
| Pretax return on assets | 1.1806% | 2,759 |
| Return on Equity (ROE) | 11.5610% | 1,557 |
| Retained earnings to average equity (ytd only) | 0.0458% | 5,660 |
| Net charge-offs to loans | 0.4375% | 935 |
| Credit loss provision to net charge-offs | 87.8661% | 2,220 |
| Earnings coverage of net charge-offs (x) | 4.5774% | 3,080 |
| Efficiency ratio | 63.4297% | 4,785 |
| Assets per employee ($millions) | 4.1010% | 3,642 |
| Cash dividends to net income (ytd only)* | 99.6041% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1561% | 1,080 |
| Loan loss allowance to noncurrent loans | 43.5412% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 3.9716% | 538 |
| Noncurrent loans to loans | 4.9518% | 402 |
| Net loans and leases to total assets | 71.6960% | 1,797 |
| Net loans and leases to deposits | 81.4023% | 2,332 |
| Net loans and leases to core deposits | 85.8722% | 2,526 |
| Total domestic deposits to total assets | 88.0761% | 1,864 |
| Equity capital to assets | 10.4195% | 3,539 |
| Core capital (leverage) ratio | 10.6325% | 2,785 |
| Tier 1 risk-based capital ratio | 13.8736% | 4,333 |
| Total risk-based capital ratio | 15.1217% | 4,288 |
| Memoranda: | ||
| Average total assets | $299,500,670 | 2,180 |
| Average earning assets | $285,223,330 | 2,102 |
| Average equity | $30,585,670 | 2,242 |
| Average total loans | $218,495,670 | 1,915 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2278% | 2,772 |
| Cost of funding earning assets | 0.6239% | 1,781 |
| Net interest margin | 3.6039% | 3,229 |
| Noninterest income to average assets | 0.4496% | 3,797 |
| Noninterest expense to average assets | 2.4535% | 4,779 |
| Loan and lease loss provision to assets | 0.2785% | 736 |
| Net operating income to assets | 1.1498% | 1,632 |
| Return on assets (ROA) | 1.1498% | 1,700 |
| Pretax return on assets | 1.1498% | 2,699 |
| Return on Equity (ROE) | 11.3722% | 1,578 |
| Retained earnings to average equity (ytd only) | 6.1255% | 2,470 |
| Net charge-offs to loans | 0.4609% | 789 |
| Credit loss provision to net charge-offs | 83.0040% | 1,869 |
| Earnings coverage of net charge-offs (x) | 4.2569% | 2,553 |
| Efficiency ratio | 63.2046% | 4,974 |
| Assets per employee ($millions) | 4.1909% | 3,549 |
| Cash dividends to net income (ytd only)* | 46.1361% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1244% | 1,283 |
| Loan loss allowance to noncurrent loans | 44.0501% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 3.9904% | 594 |
| Noncurrent loans to loans | 4.8226% | 476 |
| Net loans and leases to total assets | 70.4638% | 1,806 |
| Net loans and leases to deposits | 79.7309% | 2,333 |
| Net loans and leases to core deposits | 85.3245% | 2,390 |
| Total domestic deposits to total assets | 88.3770% | 2,004 |
| Equity capital to assets | 10.0956% | 3,730 |
| Core capital (leverage) ratio | 10.7970% | 2,603 |
| Tier 1 risk-based capital ratio | 13.7868% | 4,477 |
| Total risk-based capital ratio | 15.0458% | 4,426 |
| Memoranda: | ||
| Average total assets | $301,614,500 | 2,169 |
| Average earning assets | $287,244,000 | 2,096 |
| Average equity | $30,495,500 | 2,241 |
| Average total loans | $219,561,500 | 1,897 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4112% | 2,542 |
| Cost of funding earning assets | 0.7630% | 1,420 |
| Net interest margin | 3.6482% | 3,250 |
| Noninterest income to average assets | 0.7545% | 2,270 |
| Noninterest expense to average assets | 2.4996% | 4,763 |
| Loan and lease loss provision to assets | 0.3380% | 948 |
| Net operating income to assets | 1.3720% | 1,084 |
| Return on assets (ROA) | 1.3720% | 1,124 |
| Pretax return on assets | 1.3720% | 1,893 |
| Return on Equity (ROE) | 13.2502% | 1,117 |
| Retained earnings to average equity (ytd only) | 1.4363% | 5,176 |
| Net charge-offs to loans | 0.3459% | 1,949 |
| Credit loss provision to net charge-offs | 135.6852% | 1,730 |
| Earnings coverage of net charge-offs (x) | 6.8643% | 2,960 |
| Efficiency ratio | 59.3785% | 5,556 |
| Assets per employee ($millions) | 4.1291% | 3,582 |
| Cash dividends to net income (ytd only)* | 89.1599% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1574% | 1,243 |
| Loan loss allowance to noncurrent loans | 42.7485% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 3.9550% | 681 |
| Noncurrent loans to loans | 5.0468% | 490 |
| Net loans and leases to total assets | 72.0326% | 1,672 |
| Net loans and leases to deposits | 86.5300% | 1,622 |
| Net loans and leases to core deposits | 90.8662% | 1,919 |
| Total domestic deposits to total assets | 83.2458% | 4,454 |
| Equity capital to assets | 10.1264% | 3,594 |
| Core capital (leverage) ratio | 10.9152% | 2,463 |
| Tier 1 risk-based capital ratio | 13.8192% | 4,421 |
| Total risk-based capital ratio | 15.0793% | 4,365 |
| Memoranda: | ||
| Average total assets | $295,842,000 | 2,170 |
| Average earning assets | $280,195,600 | 2,114 |
| Average equity | $30,633,600 | 2,219 |
| Average total loans | $213,040,600 | 1,909 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6090% | 1,874 |
| Cost of funding earning assets | 0.8005% | 1,320 |
| Net interest margin | 3.8085% | 2,609 |
| Noninterest income to average assets | 0.7906% | 2,199 |
| Noninterest expense to average assets | 2.5914% | 4,418 |
| Loan and lease loss provision to assets | 0.3362% | 973 |
| Net operating income to assets | 1.4652% | 956 |
| Return on assets (ROA) | 1.4652% | 1,008 |
| Pretax return on assets | 1.4652% | 1,713 |
| Return on Equity (ROE) | 14.0716% | 978 |
| Retained earnings to average equity (ytd only) | 0.1213% | 5,902 |
| Net charge-offs to loans | 0.3636% | 1,744 |
| Credit loss provision to net charge-offs | 129.1161% | 1,825 |
| Earnings coverage of net charge-offs (x) | 6.9186% | 2,881 |
| Efficiency ratio | 58.9933% | 5,557 |
| Assets per employee ($millions) | 4.0631% | 3,715 |
| Cash dividends to net income (ytd only)* | 99.1375% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1936% | 1,339 |
| Loan loss allowance to noncurrent loans | 149.2258% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 1.2458% | 3,148 |
| Noncurrent loans to loans | 1.4700% | 2,963 |
| Net loans and leases to total assets | 69.5404% | 2,042 |
| Net loans and leases to deposits | 79.5416% | 2,474 |
| Net loans and leases to core deposits | 84.6762% | 2,578 |
| Total domestic deposits to total assets | 87.4264% | 2,451 |
| Equity capital to assets | 10.0318% | 3,859 |
| Core capital (leverage) ratio | 10.6443% | 2,845 |
| Tier 1 risk-based capital ratio | 13.8964% | 4,495 |
| Total risk-based capital ratio | 15.1460% | 4,455 |
| Memoranda: | ||
| Average total assets | $295,479,250 | 2,183 |
| Average earning assets | $279,473,000 | 2,124 |
| Average equity | $30,765,750 | 2,231 |
| Average total loans | $211,583,250 | 1,920 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6170% | 1,795 |
| Cost of funding earning assets | 0.8280% | 1,272 |
| Net interest margin | 3.7890% | 2,598 |
| Noninterest income to average assets | 0.8777% | 1,899 |
| Noninterest expense to average assets | 2.6052% | 4,363 |
| Loan and lease loss provision to assets | 0.4032% | 769 |
| Net operating income to assets | 1.4483% | 987 |
| Return on assets (ROA) | 1.4483% | 1,067 |
| Pretax return on assets | 1.4483% | 1,771 |
| Return on Equity (ROE) | 13.7416% | 1,065 |
| Retained earnings to average equity (ytd only) | -0.9967% | 6,054 |
| Net charge-offs to loans | 0.3994% | 1,616 |
| Credit loss provision to net charge-offs | 140.6619% | 1,612 |
| Earnings coverage of net charge-offs (x) | 6.4586% | 2,714 |
| Efficiency ratio | 58.4550% | 5,675 |
| Assets per employee ($millions) | 4.0656% | 3,655 |
| Cash dividends to net income (ytd only)* | 107.2532% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1895% | 1,443 |
| Loan loss allowance to noncurrent loans | 141.7636% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 1.5037% | 2,846 |
| Noncurrent loans to loans | 1.5445% | 2,986 |
| Net loans and leases to total assets | 67.8329% | 2,277 |
| Net loans and leases to deposits | 77.4407% | 2,649 |
| Net loans and leases to core deposits | 81.0253% | 2,909 |
| Total domestic deposits to total assets | 87.5933% | 2,494 |
| Equity capital to assets | 9.8082% | 4,176 |
| Core capital (leverage) ratio | 10.5355% | 2,838 |
| Tier 1 risk-based capital ratio | 13.6441% | 4,678 |
| Total risk-based capital ratio | 14.9045% | 4,633 |
| Memoranda: | ||
| Average total assets | $295,103,670 | 2,193 |
| Average earning assets | $278,754,670 | 2,137 |
| Average equity | $31,102,670 | 2,213 |
| Average total loans | $211,815,330 | 1,921 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7061% | 1,519 |
| Cost of funding earning assets | 0.8692% | 1,151 |
| Net interest margin | 3.8369% | 2,329 |
| Noninterest income to average assets | 0.8849% | 1,811 |
| Noninterest expense to average assets | 2.6106% | 4,369 |
| Loan and lease loss provision to assets | 0.5307% | 505 |
| Net operating income to assets | 1.3577% | 1,133 |
| Return on assets (ROA) | 1.3577% | 1,225 |
| Pretax return on assets | 1.3577% | 2,015 |
| Return on Equity (ROE) | 12.4288% | 1,315 |
| Retained earnings to average equity (ytd only) | 7.3816% | 1,994 |
| Net charge-offs to loans | 0.3378% | 1,629 |
| Credit loss provision to net charge-offs | 215.0838% | 1,029 |
| Earnings coverage of net charge-offs (x) | 7.6536% | 2,037 |
| Efficiency ratio | 58.0270% | 5,845 |
| Assets per employee ($millions) | 4.1685% | 3,593 |
| Cash dividends to net income (ytd only)* | 40.6091% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2097% | 1,564 |
| Loan loss allowance to noncurrent loans | 142.6169% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 1.5513% | 2,937 |
| Noncurrent loans to loans | 1.5494% | 3,227 |
| Net loans and leases to total assets | 68.7860% | 1,875 |
| Net loans and leases to deposits | 78.9778% | 2,213 |
| Net loans and leases to core deposits | 82.7139% | 2,482 |
| Total domestic deposits to total assets | 87.0953% | 2,907 |
| Equity capital to assets | 10.6484% | 3,383 |
| Core capital (leverage) ratio | 10.9350% | 2,317 |
| Tier 1 risk-based capital ratio | 14.2124% | 4,351 |
| Total risk-based capital ratio | 15.3165% | 4,419 |
| Memoranda: | ||
| Average total assets | $290,197,000 | 2,251 |
| Average earning assets | $273,345,500 | 2,193 |
| Average equity | $31,700,500 | 2,200 |
| Average total loans | $211,991,000 | 1,930 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0171% | 1,512 |
| Cost of funding earning assets | 0.9862% | 1,428 |
| Net interest margin | 4.0310% | 2,269 |
| Noninterest income to average assets | 0.8666% | 1,966 |
| Noninterest expense to average assets | 2.5944% | 4,762 |
| Loan and lease loss provision to assets | 0.3799% | 1,721 |
| Net operating income to assets | 1.6898% | 631 |
| Return on assets (ROA) | 1.6898% | 706 |
| Pretax return on assets | 1.6898% | 1,157 |
| Return on Equity (ROE) | 15.6052% | 721 |
| Retained earnings to average equity (ytd only) | 5.8093% | 2,187 |
| Net charge-offs to loans | 0.4616% | 2,389 |
| Credit loss provision to net charge-offs | 112.3950% | 2,593 |
| Earnings coverage of net charge-offs (x) | 6.1239% | 2,869 |
| Efficiency ratio | 55.6249% | 6,100 |
| Assets per employee ($millions) | 3.8925% | 4,164 |
| Cash dividends to net income (ytd only)* | 62.7731% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0947% | 1,785 |
| Loan loss allowance to noncurrent loans | 195.0569% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 1.4187% | 3,275 |
| Noncurrent loans to loans | 1.0739% | 4,055 |
| Net loans and leases to total assets | 74.3623% | 1,144 |
| Net loans and leases to deposits | 86.2753% | 1,483 |
| Net loans and leases to core deposits | 90.7223% | 1,752 |
| Total domestic deposits to total assets | 86.1919% | 3,255 |
| Equity capital to assets | 11.2187% | 2,710 |
| Core capital (leverage) ratio | 11.0144% | 2,241 |
| Tier 1 risk-based capital ratio | 14.0513% | 4,348 |
| Total risk-based capital ratio | 15.3107% | 4,297 |
| Memoranda: | ||
| Average total assets | $281,686,400 | 2,254 |
| Average earning assets | $265,370,000 | 2,194 |
| Average equity | $30,502,600 | 2,221 |
| Average total loans | $206,229,200 | 1,956 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9819% | 1,735 |
| Cost of funding earning assets | 1.0124% | 1,486 |
| Net interest margin | 3.9695% | 2,631 |
| Noninterest income to average assets | 0.9209% | 1,760 |
| Noninterest expense to average assets | 2.6071% | 4,718 |
| Loan and lease loss provision to assets | 0.3593% | 1,813 |
| Net operating income to assets | 1.6966% | 686 |
| Return on assets (ROA) | 1.6966% | 762 |
| Pretax return on assets | 1.6966% | 1,277 |
| Return on Equity (ROE) | 15.8096% | 768 |
| Retained earnings to average equity (ytd only) | 6.0173% | 2,691 |
| Net charge-offs to loans | 0.4712% | 2,209 |
| Credit loss provision to net charge-offs | 105.1176% | 2,796 |
| Earnings coverage of net charge-offs (x) | 6.0152% | 2,870 |
| Efficiency ratio | 55.9104% | 6,065 |
| Assets per employee ($millions) | 3.9367% | 3,999 |
| Cash dividends to net income (ytd only)* | 61.9394% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1114% | 1,878 |
| Loan loss allowance to noncurrent loans | 163.1148% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 1.7425% | 2,994 |
| Noncurrent loans to loans | 1.2944% | 3,876 |
| Net loans and leases to total assets | 71.6099% | 1,621 |
| Net loans and leases to deposits | 83.3312% | 1,952 |
| Net loans and leases to core deposits | 87.6808% | 2,250 |
| Total domestic deposits to total assets | 85.9341% | 3,293 |
| Equity capital to assets | 10.9718% | 3,305 |
| Core capital (leverage) ratio | 10.8666% | 2,524 |
| Tier 1 risk-based capital ratio | 13.7844% | 4,697 |
| Total risk-based capital ratio | 14.9848% | 4,686 |
| Memoranda: | ||
| Average total assets | $282,042,250 | 2,282 |
| Average earning assets | $265,889,000 | 2,220 |
| Average equity | $30,267,750 | 2,251 |
| Average total loans | $204,569,250 | 1,986 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9479% | 1,932 |
| Cost of funding earning assets | 1.0414% | 1,515 |
| Net interest margin | 3.9065% | 2,879 |
| Noninterest income to average assets | 0.8964% | 1,800 |
| Noninterest expense to average assets | 2.6132% | 4,732 |
| Loan and lease loss provision to assets | 0.3694% | 1,778 |
| Net operating income to assets | 1.5989% | 838 |
| Return on assets (ROA) | 1.5989% | 934 |
| Pretax return on assets | 1.5989% | 1,551 |
| Return on Equity (ROE) | 15.0113% | 938 |
| Retained earnings to average equity (ytd only) | 5.2883% | 3,104 |
| Net charge-offs to loans | 0.4803% | 2,149 |
| Credit loss provision to net charge-offs | 106.3395% | 2,559 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,785 |
| Efficiency ratio | 57.0388% | 5,994 |
| Assets per employee ($millions) | 3.9015% | 4,068 |
| Cash dividends to net income (ytd only)* | 64.7712% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1576% | 1,869 |
| Loan loss allowance to noncurrent loans | 211.7676% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 1.4006% | 3,625 |
| Noncurrent loans to loans | 1.0188% | 4,471 |
| Net loans and leases to total assets | 69.6282% | 1,980 |
| Net loans and leases to deposits | 80.6615% | 2,285 |
| Net loans and leases to core deposits | 84.8249% | 2,584 |
| Total domestic deposits to total assets | 86.3214% | 3,182 |
| Equity capital to assets | 10.7117% | 3,440 |
| Core capital (leverage) ratio | 10.5956% | 2,717 |
| Tier 1 risk-based capital ratio | 13.7649% | 4,618 |
| Total risk-based capital ratio | 14.9699% | 4,623 |
| Memoranda: | ||
| Average total assets | $281,575,000 | 2,292 |
| Average earning assets | $265,606,000 | 2,218 |
| Average equity | $29,990,670 | 2,255 |
| Average total loans | $203,641,670 | 1,988 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9697% | 1,994 |
| Cost of funding earning assets | 1.0785% | 1,506 |
| Net interest margin | 3.8913% | 2,963 |
| Noninterest income to average assets | 0.9330% | 1,619 |
| Noninterest expense to average assets | 2.5975% | 4,825 |
| Loan and lease loss provision to assets | 0.4429% | 1,406 |
| Net operating income to assets | 1.5631% | 922 |
| Return on assets (ROA) | 1.5631% | 1,028 |
| Pretax return on assets | 1.5631% | 1,694 |
| Return on Equity (ROE) | 14.7181% | 1,033 |
| Retained earnings to average equity (ytd only) | 5.3814% | 3,322 |
| Net charge-offs to loans | 0.4076% | 2,085 |
| Credit loss provision to net charge-offs | 149.0385% | 1,679 |
| Earnings coverage of net charge-offs (x) | 6.7500% | 2,160 |
| Efficiency ratio | 56.4246% | 6,082 |
| Assets per employee ($millions) | 3.9905% | 4,032 |
| Cash dividends to net income (ytd only)* | 63.4369% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1512% | 1,987 |
| Loan loss allowance to noncurrent loans | 146.6821% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 1.7987% | 3,174 |
| Noncurrent loans to loans | 1.4666% | 3,918 |
| Net loans and leases to total assets | 70.3372% | 1,702 |
| Net loans and leases to deposits | 81.2755% | 2,024 |
| Net loans and leases to core deposits | 85.6549% | 2,332 |
| Total domestic deposits to total assets | 86.5416% | 3,219 |
| Equity capital to assets | 10.3649% | 3,654 |
| Core capital (leverage) ratio | 10.5222% | 2,725 |
| Tier 1 risk-based capital ratio | 13.1784% | 5,082 |
| Total risk-based capital ratio | 14.3666% | 5,093 |
| Memoranda: | ||
| Average total assets | $279,957,500 | 2,313 |
| Average earning assets | $264,078,000 | 2,246 |
| Average equity | $29,732,000 | 2,280 |
| Average total loans | $204,122,000 | 1,994 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2045% | 2,041 |
| Cost of funding earning assets | 1.2434% | 1,770 |
| Net interest margin | 3.9611% | 3,063 |
| Noninterest income to average assets | 1.0080% | 1,351 |
| Noninterest expense to average assets | 2.5746% | 5,184 |
| Loan and lease loss provision to assets | 0.5602% | 1,862 |
| Net operating income to assets | 1.6103% | 650 |
| Return on assets (ROA) | 1.6103% | 707 |
| Pretax return on assets | 1.6103% | 1,179 |
| Return on Equity (ROE) | 15.4654% | 680 |
| Retained earnings to average equity (ytd only) | 4.0803% | 3,287 |
| Net charge-offs to loans | 0.7502% | 2,276 |
| Credit loss provision to net charge-offs | 102.3256% | 3,384 |
| Earnings coverage of net charge-offs (x) | 3.9648% | 3,318 |
| Efficiency ratio | 54.2583% | 6,484 |
| Assets per employee ($millions) | 4.0686% | 3,715 |
| Cash dividends to net income (ytd only)* | 73.6164% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1521% | 1,891 |
| Loan loss allowance to noncurrent loans | 152.9598% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 1.3155% | 4,024 |
| Noncurrent loans to loans | 1.4070% | 4,043 |
| Net loans and leases to total assets | 72.4031% | 1,575 |
| Net loans and leases to deposits | 84.3220% | 1,878 |
| Net loans and leases to core deposits | 89.5114% | 2,196 |
| Total domestic deposits to total assets | 85.8650% | 3,392 |
| Equity capital to assets | 10.8893% | 3,088 |
| Core capital (leverage) ratio | 10.8209% | 2,421 |
| Tier 1 risk-based capital ratio | 13.5006% | 4,695 |
| Total risk-based capital ratio | 14.5888% | 4,790 |
| Memoranda: | ||
| Average total assets | $274,913,200 | 2,303 |
| Average earning assets | $259,369,800 | 2,239 |
| Average equity | $28,625,200 | 2,293 |
| Average total loans | $200,608,400 | 2,039 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1969% | 2,222 |
| Cost of funding earning assets | 1.2928% | 1,742 |
| Net interest margin | 3.9041% | 3,360 |
| Noninterest income to average assets | 0.8470% | 1,851 |
| Noninterest expense to average assets | 2.6212% | 5,001 |
| Loan and lease loss provision to assets | 0.3049% | 3,092 |
| Net operating income to assets | 1.6068% | 763 |
| Return on assets (ROA) | 1.6068% | 836 |
| Pretax return on assets | 1.6068% | 1,369 |
| Return on Equity (ROE) | 15.6082% | 731 |
| Retained earnings to average equity (ytd only) | 3.8268% | 4,002 |
| Net charge-offs to loans | 0.5537% | 2,577 |
| Credit loss provision to net charge-offs | 75.7212% | 4,287 |
| Earnings coverage of net charge-offs (x) | 4.7476% | 2,976 |
| Efficiency ratio | 57.8262% | 6,042 |
| Assets per employee ($millions) | 3.8735% | 4,138 |
| Cash dividends to net income (ytd only)* | 75.4819% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0153% | 2,290 |
| Loan loss allowance to noncurrent loans | 123.9130% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 1.4239% | 3,991 |
| Noncurrent loans to loans | 1.6264% | 3,859 |
| Net loans and leases to total assets | 72.5542% | 1,597 |
| Net loans and leases to deposits | 84.7102% | 1,888 |
| Net loans and leases to core deposits | 89.9846% | 2,253 |
| Total domestic deposits to total assets | 85.6499% | 3,420 |
| Equity capital to assets | 10.6846% | 3,482 |
| Core capital (leverage) ratio | 10.5903% | 2,771 |
| Tier 1 risk-based capital ratio | 13.3507% | 4,836 |
| Total risk-based capital ratio | 14.4538% | 4,926 |
| Memoranda: | ||
| Average total assets | $275,491,750 | 2,313 |
| Average earning assets | $260,098,750 | 2,245 |
| Average equity | $28,360,500 | 2,310 |
| Average total loans | $200,332,750 | 2,062 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2324% | 2,132 |
| Cost of funding earning assets | 1.3513% | 1,643 |
| Net interest margin | 3.8811% | 3,389 |
| Noninterest income to average assets | 0.7575% | 2,222 |
| Noninterest expense to average assets | 2.5982% | 5,191 |
| Loan and lease loss provision to assets | 0.3047% | 2,971 |
| Net operating income to assets | 1.5201% | 848 |
| Return on assets (ROA) | 1.5201% | 907 |
| Pretax return on assets | 1.5201% | 1,466 |
| Return on Equity (ROE) | 14.9541% | 809 |
| Retained earnings to average equity (ytd only) | 5.6533% | 2,621 |
| Net charge-offs to loans | 0.3504% | 3,150 |
| Credit loss provision to net charge-offs | 120.3438% | 2,539 |
| Earnings coverage of net charge-offs (x) | 7.2063% | 2,256 |
| Efficiency ratio | 58.7434% | 6,068 |
| Assets per employee ($millions) | 3.8866% | 4,021 |
| Cash dividends to net income (ytd only)* | 62.1957% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1874% | 1,949 |
| Loan loss allowance to noncurrent loans | 175.0100% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 1.0882% | 4,709 |
| Noncurrent loans to loans | 1.2499% | 4,570 |
| Net loans and leases to total assets | 70.9256% | 2,021 |
| Net loans and leases to deposits | 82.6053% | 2,355 |
| Net loans and leases to core deposits | 88.1300% | 2,629 |
| Total domestic deposits to total assets | 85.8609% | 3,402 |
| Equity capital to assets | 10.5511% | 3,443 |
| Core capital (leverage) ratio | 10.3017% | 2,937 |
| Tier 1 risk-based capital ratio | 13.7062% | 4,382 |
| Total risk-based capital ratio | 14.9604% | 4,349 |
| Memoranda: | ||
| Average total assets | $275,648,330 | 2,323 |
| Average earning assets | $260,341,670 | 2,251 |
| Average equity | $28,019,000 | 2,310 |
| Average total loans | $199,229,000 | 2,090 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2084% | 2,194 |
| Cost of funding earning assets | 1.4078% | 1,568 |
| Net interest margin | 3.8006% | 3,612 |
| Noninterest income to average assets | 0.7216% | 2,438 |
| Noninterest expense to average assets | 2.5423% | 5,414 |
| Loan and lease loss provision to assets | 0.3049% | 2,728 |
| Net operating income to assets | 1.4766% | 916 |
| Return on assets (ROA) | 1.4766% | 957 |
| Pretax return on assets | 1.4766% | 1,512 |
| Return on Equity (ROE) | 14.8086% | 855 |
| Retained earnings to average equity (ytd only) | 6.8000% | 2,236 |
| Net charge-offs to loans | 0.3783% | 2,554 |
| Credit loss provision to net charge-offs | 111.7021% | 2,398 |
| Earnings coverage of net charge-offs (x) | 6.5266% | 2,085 |
| Efficiency ratio | 58.7979% | 6,158 |
| Assets per employee ($millions) | 3.9640% | 3,907 |
| Cash dividends to net income (ytd only)* | 54.0806% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1627% | 2,050 |
| Loan loss allowance to noncurrent loans | 184.9210% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.9149% | 5,067 |
| Noncurrent loans to loans | 1.1695% | 4,745 |
| Net loans and leases to total assets | 69.5817% | 2,204 |
| Net loans and leases to deposits | 80.6523% | 2,581 |
| Net loans and leases to core deposits | 87.1206% | 2,719 |
| Total domestic deposits to total assets | 86.2737% | 3,345 |
| Equity capital to assets | 9.8943% | 3,908 |
| Core capital (leverage) ratio | 10.2130% | 2,915 |
| Tier 1 risk-based capital ratio | 13.5180% | 4,412 |
| Total risk-based capital ratio | 14.7745% | 4,376 |
| Memoranda: | ||
| Average total assets | $275,497,000 | 2,342 |
| Average earning assets | $261,116,500 | 2,259 |
| Average equity | $27,470,500 | 2,339 |
| Average total loans | $198,795,000 | 2,121 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5716% | 2,004 |
| Cost of funding earning assets | 1.6140% | 1,988 |
| Net interest margin | 3.9576% | 3,225 |
| Noninterest income to average assets | 0.9221% | 1,768 |
| Noninterest expense to average assets | 2.6765% | 5,096 |
| Loan and lease loss provision to assets | 0.4562% | 3,387 |
| Net operating income to assets | 1.4920% | 777 |
| Return on assets (ROA) | 1.4920% | 837 |
| Pretax return on assets | 1.4920% | 1,395 |
| Return on Equity (ROE) | 14.7386% | 754 |
| Retained earnings to average equity (ytd only) | 0.1493% | 5,503 |
| Net charge-offs to loans | 0.5538% | 3,402 |
| Credit loss provision to net charge-offs | 113.9263% | 3,814 |
| Earnings coverage of net charge-offs (x) | 4.8652% | 2,777 |
| Efficiency ratio | 57.8730% | 6,353 |
| Assets per employee ($millions) | 3.7965% | 4,268 |
| Cash dividends to net income (ytd only)* | 98.9872% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1811% | 1,908 |
| Loan loss allowance to noncurrent loans | 191.7186% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.9434% | 5,118 |
| Noncurrent loans to loans | 1.1376% | 4,840 |
| Net loans and leases to total assets | 71.6459% | 2,170 |
| Net loans and leases to deposits | 83.3592% | 2,558 |
| Net loans and leases to core deposits | 92.7107% | 2,418 |
| Total domestic deposits to total assets | 85.9483% | 3,385 |
| Equity capital to assets | 10.0516% | 3,684 |
| Core capital (leverage) ratio | 10.2604% | 2,806 |
| Tier 1 risk-based capital ratio | 13.5850% | 4,144 |
| Total risk-based capital ratio | 14.8029% | 4,130 |
| Memoranda: | ||
| Average total assets | $277,940,800 | 2,302 |
| Average earning assets | $260,031,000 | 2,260 |
| Average equity | $28,137,000 | 2,301 |
| Average total loans | $200,987,800 | 2,144 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5552% | 2,233 |
| Cost of funding earning assets | 1.6408% | 2,158 |
| Net interest margin | 3.9144% | 3,470 |
| Noninterest income to average assets | 0.8208% | 2,124 |
| Noninterest expense to average assets | 2.6648% | 5,030 |
| Loan and lease loss provision to assets | 0.4371% | 3,287 |
| Net operating income to assets | 1.3707% | 1,168 |
| Return on assets (ROA) | 1.3707% | 1,250 |
| Pretax return on assets | 1.3707% | 1,969 |
| Return on Equity (ROE) | 13.5172% | 1,139 |
| Retained earnings to average equity (ytd only) | -2.1175% | 6,222 |
| Net charge-offs to loans | 0.4432% | 3,533 |
| Credit loss provision to net charge-offs | 136.8107% | 2,921 |
| Earnings coverage of net charge-offs (x) | 5.6587% | 2,702 |
| Efficiency ratio | 59.5806% | 6,015 |
| Assets per employee ($millions) | 4.0548% | 3,727 |
| Cash dividends to net income (ytd only)* | 115.6652% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2116% | 1,782 |
| Loan loss allowance to noncurrent loans | 203.5169% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.9021% | 5,298 |
| Noncurrent loans to loans | 1.0867% | 5,065 |
| Net loans and leases to total assets | 69.5046% | 2,848 |
| Net loans and leases to deposits | 81.3979% | 3,200 |
| Net loans and leases to core deposits | 90.5291% | 3,021 |
| Total domestic deposits to total assets | 85.3887% | 3,411 |
| Equity capital to assets | 10.0746% | 4,062 |
| Core capital (leverage) ratio | 10.1123% | 3,137 |
| Tier 1 risk-based capital ratio | 13.3459% | 4,314 |
| Total risk-based capital ratio | 14.5946% | 4,280 |
| Memoranda: | ||
| Average total assets | $280,039,000 | 2,315 |
| Average earning assets | $261,249,000 | 2,283 |
| Average equity | $28,397,750 | 2,319 |
| Average total loans | $201,878,250 | 2,170 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5831% | 2,200 |
| Cost of funding earning assets | 1.7025% | 2,110 |
| Net interest margin | 3.8806% | 3,530 |
| Noninterest income to average assets | 0.6661% | 2,921 |
| Noninterest expense to average assets | 2.5953% | 5,345 |
| Loan and lease loss provision to assets | 0.3713% | 3,483 |
| Net operating income to assets | 1.3058% | 1,290 |
| Return on assets (ROA) | 1.3058% | 1,355 |
| Pretax return on assets | 1.3058% | 2,067 |
| Return on Equity (ROE) | 12.8495% | 1,275 |
| Retained earnings to average equity (ytd only) | -5.1005% | 6,565 |
| Net charge-offs to loans | 0.4190% | 3,318 |
| Credit loss provision to net charge-offs | 122.3529% | 3,305 |
| Earnings coverage of net charge-offs (x) | 5.5271% | 2,646 |
| Efficiency ratio | 60.7453% | 5,908 |
| Assets per employee ($millions) | 3.9445% | 3,873 |
| Cash dividends to net income (ytd only)* | 139.6938% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0823% | 2,006 |
| Loan loss allowance to noncurrent loans | 122.7102% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 1.4425% | 4,301 |
| Noncurrent loans to loans | 1.6969% | 4,142 |
| Net loans and leases to total assets | 71.3105% | 2,591 |
| Net loans and leases to deposits | 83.5011% | 2,973 |
| Net loans and leases to core deposits | 94.6202% | 2,631 |
| Total domestic deposits to total assets | 85.4007% | 3,420 |
| Equity capital to assets | 10.0282% | 3,986 |
| Core capital (leverage) ratio | 9.7606% | 3,459 |
| Tier 1 risk-based capital ratio | 13.0375% | 4,408 |
| Total risk-based capital ratio | 14.2970% | 4,354 |
| Memoranda: | ||
| Average total assets | $280,124,330 | 2,331 |
| Average earning assets | $260,319,670 | 2,303 |
| Average equity | $28,468,000 | 2,304 |
| Average total loans | $202,884,330 | 2,185 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6014% | 2,142 |
| Cost of funding earning assets | 1.7474% | 2,138 |
| Net interest margin | 3.8540% | 3,541 |
| Noninterest income to average assets | 0.6539% | 2,908 |
| Noninterest expense to average assets | 2.5557% | 5,532 |
| Loan and lease loss provision to assets | 0.4426% | 2,749 |
| Net operating income to assets | 1.2108% | 1,512 |
| Return on assets (ROA) | 1.2108% | 1,582 |
| Pretax return on assets | 1.2108% | 2,329 |
| Return on Equity (ROE) | 11.8355% | 1,537 |
| Retained earnings to average equity (ytd only) | 6.2527% | 2,492 |
| Net charge-offs to loans | 0.2254% | 3,576 |
| Credit loss provision to net charge-offs | 271.9298% | 1,457 |
| Earnings coverage of net charge-offs (x) | 10.1579% | 1,770 |
| Efficiency ratio | 60.7191% | 6,054 |
| Assets per employee ($millions) | 4.0898% | 3,660 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1433% | 1,867 |
| Loan loss allowance to noncurrent loans | 111.4359% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 1.6340% | 4,035 |
| Noncurrent loans to loans | 1.9234% | 3,898 |
| Net loans and leases to total assets | 69.3096% | 3,088 |
| Net loans and leases to deposits | 82.2010% | 3,251 |
| Net loans and leases to core deposits | 92.3680% | 3,061 |
| Total domestic deposits to total assets | 84.3172% | 3,989 |
| Equity capital to assets | 10.1230% | 3,715 |
| Core capital (leverage) ratio | 10.1776% | 2,953 |
| Tier 1 risk-based capital ratio | 13.5425% | 3,961 |
| Total risk-based capital ratio | 14.8025% | 3,915 |
| Memoranda: | ||
| Average total assets | $280,156,000 | 2,393 |
| Average earning assets | $258,434,000 | 2,362 |
| Average equity | $28,659,500 | 2,317 |
| Average total loans | $202,346,500 | 2,249 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7582% | 2,828 |
| Cost of funding earning assets | 2.0941% | 2,491 |
| Net interest margin | 3.6641% | 4,290 |
| Noninterest income to average assets | 0.9560% | 1,725 |
| Noninterest expense to average assets | 2.6403% | 5,629 |
| Loan and lease loss provision to assets | 0.5715% | 3,517 |
| Net operating income to assets | 1.1720% | 1,321 |
| Return on assets (ROA) | 1.2770% | 1,137 |
| Pretax return on assets | 1.2770% | 1,761 |
| Return on Equity (ROE) | 14.5576% | 710 |
| Retained earnings to average equity (ytd only) | 6.7073% | 1,066 |
| Net charge-offs to loans | 0.6944% | 3,102 |
| Credit loss provision to net charge-offs | 108.4321% | 5,105 |
| Earnings coverage of net charge-offs (x) | 3.3080% | 3,410 |
| Efficiency ratio | 60.2296% | 6,452 |
| Assets per employee ($millions) | 3.9714% | 3,869 |
| Cash dividends to net income (ytd only)* | 53.9258% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0557% | 1,899 |
| Loan loss allowance to noncurrent loans | 99.3300% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 1.8980% | 3,533 |
| Noncurrent loans to loans | 2.0696% | 3,562 |
| Net loans and leases to total assets | 72.1729% | 2,710 |
| Net loans and leases to deposits | 86.4406% | 2,834 |
| Net loans and leases to core deposits | 109.5593% | 2,950 |
| Total domestic deposits to total assets | 83.4941% | 4,290 |
| Equity capital to assets | 10.3414% | 3,349 |
| Core capital (leverage) ratio | 10.6131% | 2,494 |
| Tier 1 risk-based capital ratio | 13.6881% | 3,693 |
| Total risk-based capital ratio | 14.9474% | 3,625 |
| Memoranda: | ||
| Average total assets | $272,276,800 | 2,403 |
| Average earning assets | $254,716,000 | 2,366 |
| Average equity | $23,884,400 | 2,736 |
| Average total loans | $206,641,600 | 2,237 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5430% | 4,199 |
| Cost of funding earning assets | 2.1803% | 2,495 |
| Net interest margin | 3.3628% | 5,398 |
| Noninterest income to average assets | 1.0251% | 1,510 |
| Noninterest expense to average assets | 2.6436% | 5,550 |
| Loan and lease loss provision to assets | 0.3728% | 4,091 |
| Net operating income to assets | 1.1874% | 1,497 |
| Return on assets (ROA) | 1.1874% | 1,551 |
| Pretax return on assets | 1.1874% | 2,306 |
| Return on Equity (ROE) | 14.1756% | 896 |
| Retained earnings to average equity (ytd only) | 7.8812% | 1,168 |
| Net charge-offs to loans | 0.5293% | 3,098 |
| Credit loss provision to net charge-offs | 92.1212% | 5,426 |
| Earnings coverage of net charge-offs (x) | 3.8558% | 3,361 |
| Efficiency ratio | 62.8865% | 5,951 |
| Assets per employee ($millions) | 3.8607% | 4,049 |
| Cash dividends to net income (ytd only)* | 44.4032% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9488% | 1,907 |
| Loan loss allowance to noncurrent loans | 85.6556% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 2.1330% | 3,184 |
| Noncurrent loans to loans | 2.2751% | 3,297 |
| Net loans and leases to total assets | 74.8909% | 2,267 |
| Net loans and leases to deposits | 89.2792% | 2,725 |
| Net loans and leases to core deposits | 113.2456% | 2,906 |
| Total domestic deposits to total assets | 83.8839% | 3,778 |
| Equity capital to assets | 8.8109% | 5,771 |
| Core capital (leverage) ratio | 8.4633% | 5,557 |
| Tier 1 risk-based capital ratio | 10.9566% | 5,994 |
| Total risk-based capital ratio | 12.2147% | 5,950 |
| Memoranda: | ||
| Average total assets | $271,840,000 | 2,410 |
| Average earning assets | $256,964,500 | 2,365 |
| Average equity | $22,771,000 | 2,881 |
| Average total loans | $207,821,500 | 2,240 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5645% | 4,253 |
| Cost of funding earning assets | 2.2525% | 2,564 |
| Net interest margin | 3.3120% | 5,512 |
| Noninterest income to average assets | 1.1620% | 1,159 |
| Noninterest expense to average assets | 2.5404% | 5,983 |
| Loan and lease loss provision to assets | 0.4458% | 3,307 |
| Net operating income to assets | 1.3104% | 1,209 |
| Return on assets (ROA) | 1.3104% | 1,285 |
| Pretax return on assets | 1.3104% | 1,992 |
| Return on Equity (ROE) | 15.9111% | 710 |
| Retained earnings to average equity (ytd only) | 9.0338% | 928 |
| Net charge-offs to loans | 0.5734% | 2,608 |
| Credit loss provision to net charge-offs | 101.6667% | 4,498 |
| Earnings coverage of net charge-offs (x) | 4.0050% | 3,241 |
| Efficiency ratio | 59.1257% | 6,673 |
| Assets per employee ($millions) | 3.9368% | 3,803 |
| Cash dividends to net income (ytd only)* | 43.2236% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9482% | 1,678 |
| Loan loss allowance to noncurrent loans | 78.0417% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 1.9452% | 3,277 |
| Noncurrent loans to loans | 2.4964% | 2,903 |
| Net loans and leases to total assets | 74.8697% | 2,475 |
| Net loans and leases to deposits | 89.1214% | 2,973 |
| Net loans and leases to core deposits | 111.7064% | 3,174 |
| Total domestic deposits to total assets | 84.0086% | 3,767 |
| Equity capital to assets | 8.4454% | 6,131 |
| Core capital (leverage) ratio | 8.2287% | 5,927 |
| Tier 1 risk-based capital ratio | 10.8002% | 6,080 |
| Total risk-based capital ratio | 12.0589% | 6,010 |
| Memoranda: | ||
| Average total assets | $273,658,330 | 2,418 |
| Average earning assets | $259,001,330 | 2,361 |
| Average equity | $22,537,670 | 2,911 |
| Average total loans | $209,274,330 | 2,253 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5682% | 4,533 |
| Cost of funding earning assets | 2.2952% | 2,721 |
| Net interest margin | 3.2730% | 5,605 |
| Noninterest income to average assets | 1.2786% | 877 |
| Noninterest expense to average assets | 2.4641% | 5,981 |
| Loan and lease loss provision to assets | 0.7573% | 1,700 |
| Net operating income to assets | 1.1578% | 1,778 |
| Return on assets (ROA) | 1.1578% | 1,901 |
| Pretax return on assets | 1.1578% | 2,779 |
| Return on Equity (ROE) | 14.2371% | 1,123 |
| Retained earnings to average equity (ytd only) | 7.0738% | 2,185 |
| Net charge-offs to loans | 0.3692% | 2,617 |
| Credit loss provision to net charge-offs | 268.0412% | 1,771 |
| Earnings coverage of net charge-offs (x) | 6.7784% | 2,444 |
| Efficiency ratio | 56.2687% | 6,934 |
| Assets per employee ($millions) | 4.0813% | 3,487 |
| Cash dividends to net income (ytd only)* | 50.3145% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0648% | 1,302 |
| Loan loss allowance to noncurrent loans | 94.7597% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 1.7162% | 3,349 |
| Noncurrent loans to loans | 2.1790% | 3,009 |
| Net loans and leases to total assets | 74.4808% | 2,622 |
| Net loans and leases to deposits | 86.8344% | 3,503 |
| Net loans and leases to core deposits | 107.8695% | 3,700 |
| Total domestic deposits to total assets | 85.7733% | 2,841 |
| Equity capital to assets | 8.0504% | 6,740 |
| Core capital (leverage) ratio | 7.8784% | 6,653 |
| Tier 1 risk-based capital ratio | 10.5501% | 6,343 |
| Total risk-based capital ratio | 11.8089% | 6,244 |
| Memoranda: | ||
| Average total assets | $274,667,500 | 2,422 |
| Average earning assets | $260,190,000 | 2,363 |
| Average equity | $22,336,000 | 2,941 |
| Average total loans | $210,203,000 | 2,267 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4020% | 3,411 |
| Cost of funding earning assets | 2.6441% | 3,467 |
| Net interest margin | 3.7578% | 4,191 |
| Noninterest income to average assets | 0.6814% | 3,235 |
| Noninterest expense to average assets | 2.5376% | 5,863 |
| Loan and lease loss provision to assets | 0.5400% | 2,667 |
| Net operating income to assets | 1.1764% | 1,852 |
| Return on assets (ROA) | 1.1764% | 1,783 |
| Pretax return on assets | 1.1764% | 2,736 |
| Return on Equity (ROE) | 13.4951% | 1,218 |
| Retained earnings to average equity (ytd only) | -0.7574% | 5,530 |
| Net charge-offs to loans | 0.1415% | 4,804 |
| Credit loss provision to net charge-offs | 497.1223% | 881 |
| Earnings coverage of net charge-offs (x) | 15.8022% | 1,905 |
| Efficiency ratio | 59.6528% | 6,413 |
| Assets per employee ($millions) | 3.9972% | 3,517 |
| Cash dividends to net income (ytd only)* | 105.6128% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9255% | 1,370 |
| Loan loss allowance to noncurrent loans | 95.7255% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.7218% | 2,824 |
| Noncurrent loans to loans | 2.0115% | 2,743 |
| Net loans and leases to total assets | 75.5360% | 2,749 |
| Net loans and leases to deposits | 90.7476% | 3,326 |
| Net loans and leases to core deposits | 114.3277% | 3,300 |
| Total domestic deposits to total assets | 83.2374% | 3,676 |
| Equity capital to assets | 8.2154% | 6,533 |
| Core capital (leverage) ratio | 8.1549% | 6,246 |
| Tier 1 risk-based capital ratio | 10.1239% | 6,605 |
| Total risk-based capital ratio | 11.3817% | 6,460 |
| Memoranda: | ||
| Average total assets | $255,946,800 | 2,502 |
| Average earning assets | $243,332,000 | 2,423 |
| Average equity | $22,311,800 | 2,935 |
| Average total loans | $196,525,200 | 2,333 |