Home > United Bank & Trust > Performance and Condition Ratios
United Bank & Trust, 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 | 4.5506% | 3,009 |
| Cost of funding earning assets | 1.3079% | 2,495 |
| Net interest margin | 3.2427% | 2,767 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.8647% | 3,901 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.0297% | 2,119 |
| Return on assets (ROA) | 1.0304% | 2,098 |
| Pretax return on assets | 1.3208% | 1,818 |
| Return on Equity (ROE) | 10.8400% | 2,270 |
| Retained earnings to average equity (ytd only) | 4.6579% | 2,731 |
| Net charge-offs to loans | -0.0038% | 3,776 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.4238% | 3,456 |
| Assets per employee ($millions) | 8.4163% | 1,219 |
| Cash dividends to net income (ytd only)* | 57.0386% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 2,493 |
| Loan loss allowance to noncurrent loans | 2,913.0952% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 2,560 |
| Noncurrent loans to loans | 0.0399% | 3,437 |
| Net loans and leases to total assets | 71.3400% | 1,661 |
| Net loans and leases to deposits | 93.8768% | 949 |
| Net loans and leases to core deposits | 99.1154% | 1,482 |
| Total domestic deposits to total assets | 75.9900% | 3,943 |
| Equity capital to assets | 9.7754% | 2,143 |
| Core capital (leverage) ratio | 10.5463% | 2,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $850,748,600 | 1,131 |
| Average earning assets | $781,912,800 | 1,129 |
| Average equity | $80,851,400 | 1,121 |
| Average total loans | $609,165,600 | 1,082 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4292% | 3,041 |
| Cost of funding earning assets | 1.1675% | 2,536 |
| Net interest margin | 3.2617% | 2,773 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 1.8569% | 3,873 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.0506% | 2,217 |
| Return on assets (ROA) | 1.0513% | 2,203 |
| Pretax return on assets | 1.3476% | 1,904 |
| Return on Equity (ROE) | 11.1500% | 2,335 |
| Retained earnings to average equity (ytd only) | 3.6147% | 3,352 |
| Net charge-offs to loans | -0.0044% | 3,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.8330% | 3,411 |
| Assets per employee ($millions) | 8.3766% | 1,175 |
| Cash dividends to net income (ytd only)* | 67.5676% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 2,580 |
| Loan loss allowance to noncurrent loans | 2,326.2136% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.2320% | 2,099 |
| Noncurrent loans to loans | 0.0498% | 3,399 |
| Net loans and leases to total assets | 71.7700% | 1,604 |
| Net loans and leases to deposits | 97.6048% | 639 |
| Net loans and leases to core deposits | 101.9621% | 1,217 |
| Total domestic deposits to total assets | 73.5300% | 4,187 |
| Equity capital to assets | 9.3605% | 2,193 |
| Core capital (leverage) ratio | 10.6318% | 2,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $844,613,250 | 1,139 |
| Average earning assets | $775,893,750 | 1,136 |
| Average equity | $79,673,500 | 1,131 |
| Average total loans | $603,519,000 | 1,086 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2966% | 3,107 |
| Cost of funding earning assets | 1.0189% | 2,535 |
| Net interest margin | 3.2777% | 2,806 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 1.8506% | 3,905 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.0614% | 2,231 |
| Return on assets (ROA) | 1.0621% | 2,226 |
| Pretax return on assets | 1.3666% | 1,897 |
| Return on Equity (ROE) | 11.2300% | 2,367 |
| Retained earnings to average equity (ytd only) | 3.6897% | 3,288 |
| Net charge-offs to loans | 0.0010% | 2,388 |
| Credit loss provision to net charge-offs | 10,000.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 2,015.0000% | 68 |
| Efficiency ratio | 55.3868% | 3,490 |
| Assets per employee ($millions) | 8.0336% | 1,299 |
| Cash dividends to net income (ytd only)* | 67.1441% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 2,606 |
| Loan loss allowance to noncurrent loans | 1,916.6667% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 1,975 |
| Noncurrent loans to loans | 0.0610% | 3,264 |
| Net loans and leases to total assets | 71.0300% | 1,632 |
| Net loans and leases to deposits | 93.9147% | 874 |
| Net loans and leases to core deposits | 97.3097% | 1,397 |
| Total domestic deposits to total assets | 75.6300% | 4,073 |
| Equity capital to assets | 9.6270% | 2,079 |
| Core capital (leverage) ratio | 10.5518% | 2,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $841,347,000 | 1,135 |
| Average earning assets | $772,430,000 | 1,139 |
| Average equity | $79,572,333 | 1,123 |
| Average total loans | $597,883,667 | 1,080 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1435% | 3,151 |
| Cost of funding earning assets | 0.8175% | 2,670 |
| Net interest margin | 3.3260% | 2,810 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.8160% | 4,002 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.0984% | 2,234 |
| Return on assets (ROA) | 1.0992% | 2,198 |
| Pretax return on assets | 1.4166% | 1,846 |
| Return on Equity (ROE) | 11.7300% | 2,288 |
| Retained earnings to average equity (ytd only) | 4.1444% | 3,229 |
| Net charge-offs to loans | 0.0248% | 1,192 |
| Credit loss provision to net charge-offs | 405.4054% | 605 |
| Earnings coverage of net charge-offs (x) | 84.8108% | 871 |
| Efficiency ratio | 54.0955% | 3,591 |
| Assets per employee ($millions) | 8.4091% | 1,161 |
| Cash dividends to net income (ytd only)* | 64.6552% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 2,796 |
| Loan loss allowance to noncurrent loans | 1,618.7204% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 1,876 |
| Noncurrent loans to loans | 0.0713% | 3,223 |
| Net loans and leases to total assets | 69.5200% | 1,671 |
| Net loans and leases to deposits | 90.3206% | 1,022 |
| Net loans and leases to core deposits | 92.6192% | 1,471 |
| Total domestic deposits to total assets | 76.9700% | 4,081 |
| Equity capital to assets | 9.5860% | 2,070 |
| Core capital (leverage) ratio | 10.4848% | 2,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $844,274,500 | 1,146 |
| Average earning assets | $773,057,500 | 1,152 |
| Average equity | $79,142,000 | 1,139 |
| Average total loans | $596,593,000 | 1,097 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7108% | 2,497 |
| Cost of funding earning assets | 0.3634% | 2,379 |
| Net interest margin | 3.3475% | 2,426 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 1.8442% | 3,941 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.3459% | 1,292 |
| Return on assets (ROA) | 1.3470% | 1,248 |
| Pretax return on assets | 1.6895% | 946 |
| Return on Equity (ROE) | 13.6100% | 1,624 |
| Retained earnings to average equity (ytd only) | 6.0828% | 2,611 |
| Net charge-offs to loans | 0.0116% | 1,949 |
| Credit loss provision to net charge-offs | 967.7419% | 446 |
| Earnings coverage of net charge-offs (x) | 228.9839% | 586 |
| Efficiency ratio | 50.7005% | 4,087 |
| Assets per employee ($millions) | 8.5620% | 1,065 |
| Cash dividends to net income (ytd only)* | 55.3046% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 3,122 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 2,157 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 70.2400% | 1,617 |
| Net loans and leases to deposits | 87.6324% | 1,197 |
| Net loans and leases to core deposits | 88.7811% | 1,566 |
| Total domestic deposits to total assets | 80.1600% | 3,859 |
| Equity capital to assets | 9.1636% | 2,251 |
| Core capital (leverage) ratio | 10.6635% | 2,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $805,447,400 | 1,179 |
| Average earning assets | $741,691,200 | 1,175 |
| Average equity | $79,717,200 | 1,132 |
| Average total loans | $532,365,200 | 1,125 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5706% | 2,418 |
| Cost of funding earning assets | 0.3157% | 2,005 |
| Net interest margin | 3.2550% | 2,440 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 1.8529% | 3,862 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.3717% | 1,169 |
| Return on assets (ROA) | 1.3729% | 1,134 |
| Pretax return on assets | 1.6881% | 924 |
| Return on Equity (ROE) | 13.6000% | 1,536 |
| Retained earnings to average equity (ytd only) | 6.1241% | 2,711 |
| Net charge-offs to loans | 0.0161% | 1,534 |
| Credit loss provision to net charge-offs | 725.8065% | 505 |
| Earnings coverage of net charge-offs (x) | 169.4355% | 691 |
| Efficiency ratio | 50.9697% | 4,095 |
| Assets per employee ($millions) | 8.1290% | 1,256 |
| Cash dividends to net income (ytd only)* | 54.9786% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 2,988 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 2,192 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 67.8800% | 1,689 |
| Net loans and leases to deposits | 82.5863% | 1,394 |
| Net loans and leases to core deposits | 83.7089% | 1,676 |
| Total domestic deposits to total assets | 82.1900% | 3,812 |
| Equity capital to assets | 9.2124% | 2,066 |
| Core capital (leverage) ratio | 10.4203% | 2,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $794,900,250 | 1,197 |
| Average earning assets | $732,812,000 | 1,196 |
| Average equity | $80,228,000 | 1,139 |
| Average total loans | $515,025,500 | 1,150 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3937% | 2,458 |
| Cost of funding earning assets | 0.2962% | 1,752 |
| Net interest margin | 3.0975% | 2,545 |
| Noninterest income to average assets | 0.5017% | 2,191 |
| Noninterest expense to average assets | 1.8241% | 3,896 |
| Loan and lease loss provision to assets | 0.0761% | 1,269 |
| Net operating income to assets | 1.1688% | 1,542 |
| Return on assets (ROA) | 1.1700% | 1,514 |
| Pretax return on assets | 1.4638% | 1,272 |
| Return on Equity (ROE) | 11.2550% | 1,905 |
| Retained earnings to average equity (ytd only) | 3.9386% | 3,106 |
| Net charge-offs to loans | 0.0244% | 1,233 |
| Credit loss provision to net charge-offs | 491.8033% | 636 |
| Earnings coverage of net charge-offs (x) | 99.4754% | 819 |
| Efficiency ratio | 54.2487% | 3,941 |
| Assets per employee ($millions) | 8.2594% | 1,171 |
| Cash dividends to net income (ytd only)* | 65.0054% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 2,782 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 2,279 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 63.9247% | 1,920 |
| Net loans and leases to deposits | 77.7476% | 1,559 |
| Net loans and leases to core deposits | 78.7822% | 1,792 |
| Total domestic deposits to total assets | 82.2208% | 3,978 |
| Equity capital to assets | 9.4037% | 2,096 |
| Core capital (leverage) ratio | 10.5027% | 1,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $788,899,333 | 1,201 |
| Average earning assets | $728,580,667 | 1,212 |
| Average equity | $82,008,000 | 1,136 |
| Average total loans | $500,711,667 | 1,170 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3409% | 2,265 |
| Cost of funding earning assets | 0.3071% | 1,585 |
| Net interest margin | 3.0338% | 2,388 |
| Noninterest income to average assets | 0.5706% | 1,821 |
| Noninterest expense to average assets | 1.8329% | 3,862 |
| Loan and lease loss provision to assets | 0.0779% | 1,057 |
| Net operating income to assets | 1.1929% | 1,263 |
| Return on assets (ROA) | 1.1942% | 1,254 |
| Pretax return on assets | 1.4621% | 1,097 |
| Return on Equity (ROE) | 10.9293% | 1,639 |
| Retained earnings to average equity (ytd only) | 3.8015% | 3,007 |
| Net charge-offs to loans | 0.0116% | 1,340 |
| Credit loss provision to net charge-offs | 1,071.4286% | 316 |
| Earnings coverage of net charge-offs (x) | 211.6429% | 415 |
| Efficiency ratio | 54.3662% | 4,031 |
| Assets per employee ($millions) | 8.4745% | 1,137 |
| Cash dividends to net income (ytd only)* | 65.2174% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 2,803 |
| Loan loss allowance to noncurrent loans | 12,587.2340% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.5785% | 1,024 |
| Noncurrent loans to loans | 0.0096% | 3,948 |
| Net loans and leases to total assets | 61.9139% | 1,869 |
| Net loans and leases to deposits | 76.9829% | 1,366 |
| Net loans and leases to core deposits | 77.8997% | 1,621 |
| Total domestic deposits to total assets | 80.4255% | 4,256 |
| Equity capital to assets | 10.3390% | 1,666 |
| Core capital (leverage) ratio | 10.8846% | 1,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $770,378,500 | 1,226 |
| Average earning assets | $711,176,000 | 1,235 |
| Average equity | $84,177,500 | 1,146 |
| Average total loans | $483,918,000 | 1,188 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8116% | 1,840 |
| Cost of funding earning assets | 0.3842% | 1,651 |
| Net interest margin | 3.4273% | 1,942 |
| Noninterest income to average assets | 0.4466% | 2,830 |
| Noninterest expense to average assets | 1.8548% | 4,040 |
| Loan and lease loss provision to assets | 0.0809% | 1,512 |
| Net operating income to assets | 1.2952% | 1,612 |
| Return on assets (ROA) | 1.2961% | 1,661 |
| Pretax return on assets | 1.6530% | 1,264 |
| Return on Equity (ROE) | 11.0647% | 2,144 |
| Retained earnings to average equity (ytd only) | 4.1622% | 3,161 |
| Net charge-offs to loans | -0.0129% | 3,821 |
| Credit loss provision to net charge-offs | -1,016.9492% | 3,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7035% | 4,141 |
| Assets per employee ($millions) | 8.4567% | 1,099 |
| Cash dividends to net income (ytd only)* | 62.3830% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 2,858 |
| Loan loss allowance to noncurrent loans | 26,272.7273% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.6843% | 936 |
| Noncurrent loans to loans | 0.0046% | 4,085 |
| Net loans and leases to total assets | 62.2026% | 1,913 |
| Net loans and leases to deposits | 78.7554% | 1,323 |
| Net loans and leases to core deposits | 79.9441% | 1,601 |
| Total domestic deposits to total assets | 78.9820% | 4,322 |
| Equity capital to assets | 11.5289% | 1,495 |
| Core capital (leverage) ratio | 11.3138% | 1,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $742,065,400 | 1,233 |
| Average earning assets | $680,035,400 | 1,247 |
| Average equity | $86,925,400 | 1,131 |
| Average total loans | $456,706,400 | 1,250 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6694% | 2,353 |
| Cost of funding earning assets | 0.4038% | 1,673 |
| Net interest margin | 3.2656% | 2,528 |
| Noninterest income to average assets | 0.3141% | 3,541 |
| Noninterest expense to average assets | 1.7302% | 4,281 |
| Loan and lease loss provision to assets | 0.0814% | 1,457 |
| Net operating income to assets | 1.1674% | 2,288 |
| Return on assets (ROA) | 1.1684% | 2,345 |
| Pretax return on assets | 1.4915% | 2,018 |
| Return on Equity (ROE) | 9.9336% | 2,755 |
| Retained earnings to average equity (ytd only) | 3.0150% | 3,904 |
| Net charge-offs to loans | 0.0245% | 1,548 |
| Credit loss provision to net charge-offs | 542.1687% | 734 |
| Earnings coverage of net charge-offs (x) | 104.7108% | 852 |
| Efficiency ratio | 52.4016% | 3,996 |
| Assets per employee ($millions) | 8.1111% | 1,227 |
| Cash dividends to net income (ytd only)* | 69.6487% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 2,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7206% | 1,022 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 61.0293% | 2,131 |
| Net loans and leases to deposits | 79.0882% | 1,372 |
| Net loans and leases to core deposits | 80.2996% | 1,704 |
| Total domestic deposits to total assets | 77.1662% | 4,483 |
| Equity capital to assets | 12.1215% | 1,344 |
| Core capital (leverage) ratio | 11.2059% | 1,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $737,305,250 | 1,253 |
| Average earning assets | $674,576,500 | 1,273 |
| Average equity | $86,720,000 | 1,149 |
| Average total loans | $451,081,000 | 1,281 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5946% | 2,638 |
| Cost of funding earning assets | 0.4218% | 1,722 |
| Net interest margin | 3.1728% | 2,842 |
| Noninterest income to average assets | 0.3031% | 3,618 |
| Noninterest expense to average assets | 1.7154% | 4,340 |
| Loan and lease loss provision to assets | 0.0808% | 1,505 |
| Net operating income to assets | 1.0990% | 2,554 |
| Return on assets (ROA) | 1.0999% | 2,614 |
| Pretax return on assets | 1.4094% | 2,303 |
| Return on Equity (ROE) | 9.4450% | 2,968 |
| Retained earnings to average equity (ytd only) | 2.5052% | 3,999 |
| Net charge-offs to loans | 0.0367% | 1,268 |
| Credit loss provision to net charge-offs | 361.4458% | 811 |
| Earnings coverage of net charge-offs (x) | 66.6024% | 923 |
| Efficiency ratio | 53.5306% | 3,861 |
| Assets per employee ($millions) | 8.4794% | 1,014 |
| Cash dividends to net income (ytd only)* | 73.4754% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 3,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1494% | 614 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 60.5812% | 2,352 |
| Net loans and leases to deposits | 77.5933% | 1,668 |
| Net loans and leases to core deposits | 78.7999% | 1,981 |
| Total domestic deposits to total assets | 78.0753% | 4,425 |
| Equity capital to assets | 11.7656% | 1,478 |
| Core capital (leverage) ratio | 10.8914% | 1,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $742,444,000 | 1,236 |
| Average earning assets | $678,963,667 | 1,260 |
| Average equity | $86,458,667 | 1,147 |
| Average total loans | $452,757,333 | 1,282 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4609% | 3,042 |
| Cost of funding earning assets | 0.4438% | 1,769 |
| Net interest margin | 3.0171% | 3,212 |
| Noninterest income to average assets | 0.2825% | 3,708 |
| Noninterest expense to average assets | 1.6853% | 4,403 |
| Loan and lease loss provision to assets | 0.0806% | 1,607 |
| Net operating income to assets | 0.9911% | 2,835 |
| Return on assets (ROA) | 0.9919% | 2,929 |
| Pretax return on assets | 1.2744% | 2,642 |
| Return on Equity (ROE) | 8.5618% | 3,167 |
| Retained earnings to average equity (ytd only) | 1.6085% | 4,093 |
| Net charge-offs to loans | -0.0018% | 3,113 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4515% | 3,612 |
| Assets per employee ($millions) | 8.1407% | 1,134 |
| Cash dividends to net income (ytd only)* | 81.2128% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 3,102 |
| Loan loss allowance to noncurrent loans | 135.5270% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 1.6515% | 354 |
| Noncurrent loans to loans | 0.8620% | 1,558 |
| Net loans and leases to total assets | 59.5544% | 2,592 |
| Net loans and leases to deposits | 76.3434% | 1,872 |
| Net loans and leases to core deposits | 77.5757% | 2,221 |
| Total domestic deposits to total assets | 78.0085% | 4,433 |
| Equity capital to assets | 11.4889% | 1,550 |
| Core capital (leverage) ratio | 10.8903% | 1,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $744,810,000 | 1,224 |
| Average earning assets | $680,523,000 | 1,241 |
| Average equity | $86,290,000 | 1,140 |
| Average total loans | $453,009,500 | 1,283 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9119% | 2,992 |
| Cost of funding earning assets | 0.6877% | 1,786 |
| Net interest margin | 3.2243% | 3,289 |
| Noninterest income to average assets | 0.3124% | 3,603 |
| Noninterest expense to average assets | 1.7781% | 4,506 |
| Loan and lease loss provision to assets | 0.2227% | 1,760 |
| Net operating income to assets | 1.0051% | 2,273 |
| Return on assets (ROA) | 1.0321% | 2,316 |
| Pretax return on assets | 1.2980% | 1,982 |
| Return on Equity (ROE) | 8.6748% | 2,527 |
| Retained earnings to average equity (ytd only) | 8.6748% | 860 |
| Net charge-offs to loans | 0.7933% | 182 |
| Credit loss provision to net charge-offs | 42.0624% | 3,179 |
| Earnings coverage of net charge-offs (x) | 2.8079% | 3,131 |
| Efficiency ratio | 54.4586% | 4,163 |
| Assets per employee ($millions) | 7.9643% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 3,328 |
| Loan loss allowance to noncurrent loans | 77.4267% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.6674% | 402 |
| Noncurrent loans to loans | 1.4545% | 925 |
| Net loans and leases to total assets | 60.7009% | 2,770 |
| Net loans and leases to deposits | 78.7879% | 1,999 |
| Net loans and leases to core deposits | 80.1504% | 2,352 |
| Total domestic deposits to total assets | 77.0435% | 4,407 |
| Equity capital to assets | 11.6832% | 1,742 |
| Core capital (leverage) ratio | 10.9850% | 1,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $695,857,800 | 1,187 |
| Average earning assets | $637,231,800 | 1,197 |
| Average equity | $82,791,800 | 1,120 |
| Average total loans | $464,509,600 | 1,196 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 3,050 |
| Cost of funding earning assets | 0.7526% | 1,728 |
| Net interest margin | 3.2206% | 3,425 |
| Noninterest income to average assets | 0.3194% | 3,576 |
| Noninterest expense to average assets | 1.8072% | 4,483 |
| Loan and lease loss provision to assets | 0.2727% | 1,480 |
| Net operating income to assets | 0.9434% | 2,546 |
| Return on assets (ROA) | 0.9552% | 2,633 |
| Pretax return on assets | 1.2039% | 2,375 |
| Return on Equity (ROE) | 7.9894% | 2,813 |
| Retained earnings to average equity (ytd only) | 7.9894% | 1,305 |
| Net charge-offs to loans | 1.0542% | 131 |
| Credit loss provision to net charge-offs | 37.9198% | 2,934 |
| Earnings coverage of net charge-offs (x) | 2.0328% | 3,023 |
| Efficiency ratio | 55.2875% | 4,005 |
| Assets per employee ($millions) | 7.5250% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 3,502 |
| Loan loss allowance to noncurrent loans | 70.3017% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.8124% | 417 |
| Noncurrent loans to loans | 1.4845% | 971 |
| Net loans and leases to total assets | 66.5408% | 2,443 |
| Net loans and leases to deposits | 87.1212% | 1,579 |
| Net loans and leases to core deposits | 90.4259% | 1,939 |
| Total domestic deposits to total assets | 76.3773% | 4,392 |
| Equity capital to assets | 11.9377% | 1,716 |
| Core capital (leverage) ratio | 10.7619% | 2,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $684,652,500 | 1,181 |
| Average earning assets | $626,985,750 | 1,200 |
| Average equity | $81,856,000 | 1,125 |
| Average total loans | $466,957,000 | 1,193 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1072% | 3,035 |
| Cost of funding earning assets | 0.8039% | 1,804 |
| Net interest margin | 3.3034% | 3,376 |
| Noninterest income to average assets | 0.3276% | 3,508 |
| Noninterest expense to average assets | 1.8261% | 4,524 |
| Loan and lease loss provision to assets | 0.3692% | 1,131 |
| Net operating income to assets | 0.9183% | 2,632 |
| Return on assets (ROA) | 0.9361% | 2,682 |
| Pretax return on assets | 1.1868% | 2,403 |
| Return on Equity (ROE) | 7.8252% | 2,818 |
| Retained earnings to average equity (ytd only) | 7.8252% | 1,361 |
| Net charge-offs to loans | -0.0052% | 4,021 |
| Credit loss provision to net charge-offs | -10,416.6667% | 4,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3520% | 4,138 |
| Assets per employee ($millions) | 7.7302% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7706% | 702 |
| Loan loss allowance to noncurrent loans | 128.6513% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.9478% | 1,285 |
| Noncurrent loans to loans | 1.3763% | 1,123 |
| Net loans and leases to total assets | 65.0351% | 2,749 |
| Net loans and leases to deposits | 85.9761% | 1,769 |
| Net loans and leases to core deposits | 89.6706% | 2,096 |
| Total domestic deposits to total assets | 75.6432% | 4,460 |
| Equity capital to assets | 11.3886% | 2,049 |
| Core capital (leverage) ratio | 10.6384% | 2,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $677,087,333 | 1,179 |
| Average earning assets | $621,487,000 | 1,188 |
| Average equity | $80,994,333 | 1,127 |
| Average total loans | $464,063,000 | 1,184 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3633% | 2,734 |
| Cost of funding earning assets | 0.8955% | 1,894 |
| Net interest margin | 3.4678% | 3,088 |
| Noninterest income to average assets | 0.3281% | 3,563 |
| Noninterest expense to average assets | 1.9077% | 4,535 |
| Loan and lease loss provision to assets | 0.0460% | 3,201 |
| Net operating income to assets | 1.1997% | 1,515 |
| Return on assets (ROA) | 1.2007% | 1,632 |
| Pretax return on assets | 1.5434% | 1,199 |
| Return on Equity (ROE) | 9.7760% | 1,817 |
| Retained earnings to average equity (ytd only) | 9.7760% | 787 |
| Net charge-offs to loans | -0.0026% | 3,703 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5694% | 4,353 |
| Assets per employee ($millions) | 6.9677% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6175% | 1,027 |
| Loan loss allowance to noncurrent loans | 824.0449% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 3,794 |
| Noncurrent loans to loans | 0.1963% | 3,775 |
| Net loans and leases to total assets | 66.0018% | 2,815 |
| Net loans and leases to deposits | 94.0140% | 1,077 |
| Net loans and leases to core deposits | 98.8440% | 1,568 |
| Total domestic deposits to total assets | 70.2042% | 4,847 |
| Equity capital to assets | 12.0618% | 2,021 |
| Core capital (leverage) ratio | 11.6884% | 1,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $652,311,000 | 1,186 |
| Average earning assets | $595,876,000 | 1,195 |
| Average equity | $80,114,500 | 1,136 |
| Average total loans | $455,550,000 | 1,172 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6140% | 2,559 |
| Cost of funding earning assets | 0.9576% | 1,919 |
| Net interest margin | 3.6564% | 2,938 |
| Noninterest income to average assets | 0.3889% | 3,364 |
| Noninterest expense to average assets | 1.9607% | 4,598 |
| Loan and lease loss provision to assets | 0.0521% | 2,983 |
| Net operating income to assets | 1.3631% | 1,466 |
| Return on assets (ROA) | 1.3645% | 1,546 |
| Pretax return on assets | 1.7232% | 1,132 |
| Return on Equity (ROE) | 10.9584% | 1,906 |
| Retained earnings to average equity (ytd only) | 3.1607% | 3,441 |
| Net charge-offs to loans | -0.0013% | 4,190 |
| Credit loss provision to net charge-offs | -5,366.6667% | 4,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5070% | 4,569 |
| Assets per employee ($millions) | 6.6185% | 1,228 |
| Cash dividends to net income (ytd only)* | 71.1575% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 1,007 |
| Loan loss allowance to noncurrent loans | 1,253.1952% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 3,948 |
| Noncurrent loans to loans | 0.1265% | 4,018 |
| Net loans and leases to total assets | 71.6377% | 2,141 |
| Net loans and leases to deposits | 93.4123% | 1,212 |
| Net loans and leases to core deposits | 98.0071% | 1,725 |
| Total domestic deposits to total assets | 76.6898% | 4,523 |
| Equity capital to assets | 12.5179% | 1,803 |
| Core capital (leverage) ratio | 11.7980% | 1,896 |
| Tier 1 risk-based capital ratio | 14.5624% | 2,983 |
| Total risk-based capital ratio | 15.8149% | 2,888 |
| Memoranda: | ||
| Average total assets | $617,937,800 | 1,198 |
| Average earning assets | $565,369,600 | 1,206 |
| Average equity | $76,945,200 | 1,119 |
| Average total loans | $458,151,200 | 1,145 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 2,681 |
| Cost of funding earning assets | 0.9591% | 1,943 |
| Net interest margin | 3.6539% | 3,080 |
| Noninterest income to average assets | 0.3968% | 3,337 |
| Noninterest expense to average assets | 1.9606% | 4,626 |
| Loan and lease loss provision to assets | 0.0535% | 2,838 |
| Net operating income to assets | 1.3542% | 1,633 |
| Return on assets (ROA) | 1.3555% | 1,690 |
| Pretax return on assets | 1.7331% | 1,240 |
| Return on Equity (ROE) | 10.9010% | 2,057 |
| Retained earnings to average equity (ytd only) | 3.0586% | 3,864 |
| Net charge-offs to loans | 0.0009% | 3,430 |
| Credit loss provision to net charge-offs | 8,233.3333% | 48 |
| Earnings coverage of net charge-offs (x) | 2,745.2650% | 22 |
| Efficiency ratio | 52.3462% | 4,569 |
| Assets per employee ($millions) | 6.4089% | 1,324 |
| Cash dividends to net income (ytd only)* | 71.9425% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 1,088 |
| Loan loss allowance to noncurrent loans | 1,062.3704% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 3,942 |
| Noncurrent loans to loans | 0.1468% | 4,011 |
| Net loans and leases to total assets | 74.3333% | 1,744 |
| Net loans and leases to deposits | 98.3681% | 780 |
| Net loans and leases to core deposits | 103.1625% | 1,397 |
| Total domestic deposits to total assets | 75.5665% | 4,688 |
| Equity capital to assets | 12.8153% | 1,722 |
| Core capital (leverage) ratio | 11.8881% | 1,925 |
| Tier 1 risk-based capital ratio | 14.5282% | 3,064 |
| Total risk-based capital ratio | 15.7807% | 2,987 |
| Memoranda: | ||
| Average total assets | $615,233,750 | 1,201 |
| Average earning assets | $563,840,500 | 1,213 |
| Average equity | $76,504,750 | 1,123 |
| Average total loans | $458,268,750 | 1,154 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5597% | 2,806 |
| Cost of funding earning assets | 0.9426% | 1,953 |
| Net interest margin | 3.6171% | 3,199 |
| Noninterest income to average assets | 0.3483% | 3,608 |
| Noninterest expense to average assets | 1.9574% | 4,672 |
| Loan and lease loss provision to assets | 0.0544% | 2,732 |
| Net operating income to assets | 1.2884% | 1,823 |
| Return on assets (ROA) | 1.2897% | 1,876 |
| Pretax return on assets | 1.6574% | 1,373 |
| Return on Equity (ROE) | 10.4766% | 2,188 |
| Retained earnings to average equity (ytd only) | 2.5817% | 3,902 |
| Net charge-offs to loans | 0.0026% | 3,082 |
| Credit loss provision to net charge-offs | 2,800.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 879.8333% | 82 |
| Efficiency ratio | 53.3698% | 4,528 |
| Assets per employee ($millions) | 6.2414% | 1,372 |
| Cash dividends to net income (ytd only)* | 75.3580% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5412% | 1,158 |
| Loan loss allowance to noncurrent loans | 1,337.7358% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 3,326 |
| Noncurrent loans to loans | 0.1152% | 4,157 |
| Net loans and leases to total assets | 74.8150% | 1,753 |
| Net loans and leases to deposits | 98.6927% | 778 |
| Net loans and leases to core deposits | 103.1822% | 1,455 |
| Total domestic deposits to total assets | 75.8061% | 4,692 |
| Equity capital to assets | 12.7308% | 1,731 |
| Core capital (leverage) ratio | 11.7296% | 2,002 |
| Tier 1 risk-based capital ratio | 14.4118% | 3,108 |
| Total risk-based capital ratio | 15.6644% | 3,024 |
| Memoranda: | ||
| Average total assets | $617,362,330 | 1,197 |
| Average earning assets | $566,523,670 | 1,210 |
| Average equity | $75,997,670 | 1,129 |
| Average total loans | $457,775,670 | 1,153 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4661% | 2,981 |
| Cost of funding earning assets | 0.9232% | 1,906 |
| Net interest margin | 3.5429% | 3,451 |
| Noninterest income to average assets | 0.3279% | 3,664 |
| Noninterest expense to average assets | 1.9521% | 4,728 |
| Loan and lease loss provision to assets | 0.0571% | 2,521 |
| Net operating income to assets | 1.2195% | 1,991 |
| Return on assets (ROA) | 1.2205% | 2,034 |
| Pretax return on assets | 1.5658% | 1,557 |
| Return on Equity (ROE) | 10.0823% | 2,337 |
| Retained earnings to average equity (ytd only) | 2.1310% | 4,036 |
| Net charge-offs to loans | 0.0035% | 2,608 |
| Credit loss provision to net charge-offs | 2,225.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 631.7500% | 111 |
| Efficiency ratio | 54.6238% | 4,477 |
| Assets per employee ($millions) | 6.5178% | 1,232 |
| Cash dividends to net income (ytd only)* | 78.8644% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5321% | 1,233 |
| Loan loss allowance to noncurrent loans | 1,259.0664% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 3,102 |
| Noncurrent loans to loans | 0.1217% | 4,197 |
| Net loans and leases to total assets | 72.7942% | 2,025 |
| Net loans and leases to deposits | 95.6290% | 1,006 |
| Net loans and leases to core deposits | 99.5541% | 1,658 |
| Total domestic deposits to total assets | 76.1214% | 4,744 |
| Equity capital to assets | 12.2657% | 1,865 |
| Core capital (leverage) ratio | 11.4492% | 2,169 |
| Tier 1 risk-based capital ratio | 14.3506% | 3,172 |
| Total risk-based capital ratio | 15.6029% | 3,098 |
| Memoranda: | ||
| Average total assets | $623,333,500 | 1,190 |
| Average earning assets | $571,060,000 | 1,207 |
| Average equity | $75,459,000 | 1,133 |
| Average total loans | $456,646,000 | 1,158 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 2,696 |
| Cost of funding earning assets | 0.7288% | 1,914 |
| Net interest margin | 3.6925% | 3,063 |
| Noninterest income to average assets | 0.3148% | 4,012 |
| Noninterest expense to average assets | 1.9990% | 4,755 |
| Loan and lease loss provision to assets | 0.0511% | 3,162 |
| Net operating income to assets | 1.3018% | 1,792 |
| Return on assets (ROA) | 1.3031% | 1,774 |
| Pretax return on assets | 1.6420% | 1,332 |
| Return on Equity (ROE) | 10.6881% | 2,213 |
| Retained earnings to average equity (ytd only) | 3.8604% | 3,459 |
| Net charge-offs to loans | 0.0051% | 3,532 |
| Credit loss provision to net charge-offs | 1,334.7826% | 310 |
| Earnings coverage of net charge-offs (x) | 441.7391% | 241 |
| Efficiency ratio | 54.1210% | 4,609 |
| Assets per employee ($millions) | 6.4028% | 1,264 |
| Cash dividends to net income (ytd only)* | 63.8814% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 1,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2787% | 3,469 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 71.4953% | 2,346 |
| Net loans and leases to deposits | 92.7987% | 1,422 |
| Net loans and leases to core deposits | 96.6928% | 1,996 |
| Total domestic deposits to total assets | 77.0434% | 4,626 |
| Equity capital to assets | 11.9479% | 1,936 |
| Core capital (leverage) ratio | 11.4939% | 2,107 |
| Tier 1 risk-based capital ratio | 14.2423% | 3,185 |
| Total risk-based capital ratio | 15.4944% | 3,109 |
| Memoranda: | ||
| Average total assets | $600,660,400 | 1,201 |
| Average earning assets | $549,116,600 | 1,217 |
| Average equity | $73,231,000 | 1,113 |
| Average total loans | $447,157,600 | 1,150 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3916% | 2,654 |
| Cost of funding earning assets | 0.6678% | 2,047 |
| Net interest margin | 3.7238% | 2,922 |
| Noninterest income to average assets | 0.3663% | 3,673 |
| Noninterest expense to average assets | 2.0264% | 4,692 |
| Loan and lease loss provision to assets | 0.0514% | 2,959 |
| Net operating income to assets | 1.3349% | 1,720 |
| Return on assets (ROA) | 1.3363% | 1,729 |
| Pretax return on assets | 1.6962% | 1,286 |
| Return on Equity (ROE) | 10.9032% | 2,214 |
| Retained earnings to average equity (ytd only) | 2.6612% | 4,351 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6598% | 4,640 |
| Assets per employee ($millions) | 6.2535% | 1,308 |
| Cash dividends to net income (ytd only)* | 75.5922% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 1,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 3,343 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 74.4395% | 1,913 |
| Net loans and leases to deposits | 98.0469% | 944 |
| Net loans and leases to core deposits | 103.1221% | 1,522 |
| Total domestic deposits to total assets | 75.9224% | 4,795 |
| Equity capital to assets | 12.0648% | 1,866 |
| Core capital (leverage) ratio | 11.5973% | 2,087 |
| Tier 1 risk-based capital ratio | 13.8690% | 3,433 |
| Total risk-based capital ratio | 15.1207% | 3,340 |
| Memoranda: | ||
| Average total assets | $593,956,500 | 1,216 |
| Average earning assets | $543,235,750 | 1,232 |
| Average equity | $72,796,250 | 1,119 |
| Average total loans | $445,061,000 | 1,155 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3293% | 2,670 |
| Cost of funding earning assets | 0.6118% | 2,151 |
| Net interest margin | 3.7175% | 2,869 |
| Noninterest income to average assets | 0.3680% | 3,697 |
| Noninterest expense to average assets | 2.0307% | 4,747 |
| Loan and lease loss provision to assets | 0.0519% | 2,878 |
| Net operating income to assets | 1.3189% | 1,702 |
| Return on assets (ROA) | 1.3202% | 1,700 |
| Pretax return on assets | 1.6851% | 1,254 |
| Return on Equity (ROE) | 10.7146% | 2,226 |
| Retained earnings to average equity (ytd only) | 2.4578% | 4,279 |
| Net charge-offs to loans | -0.0009% | 3,883 |
| Credit loss provision to net charge-offs | -7,650.0000% | 4,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8316% | 4,710 |
| Assets per employee ($millions) | 6.1589% | 1,361 |
| Cash dividends to net income (ytd only)* | 77.0614% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 1,365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 3,395 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 74.1887% | 1,915 |
| Net loans and leases to deposits | 95.2806% | 1,219 |
| Net loans and leases to core deposits | 101.3559% | 1,619 |
| Total domestic deposits to total assets | 77.8634% | 4,610 |
| Equity capital to assets | 12.1814% | 1,729 |
| Core capital (leverage) ratio | 11.6302% | 1,960 |
| Tier 1 risk-based capital ratio | 14.1638% | 3,282 |
| Total risk-based capital ratio | 15.4159% | 3,194 |
| Memoranda: | ||
| Average total assets | $589,744,670 | 1,224 |
| Average earning assets | $539,072,330 | 1,242 |
| Average equity | $72,667,000 | 1,119 |
| Average total loans | $440,609,000 | 1,163 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2335% | 2,773 |
| Cost of funding earning assets | 0.5685% | 2,260 |
| Net interest margin | 3.6650% | 2,939 |
| Noninterest income to average assets | 0.3632% | 3,712 |
| Noninterest expense to average assets | 2.0297% | 4,792 |
| Loan and lease loss provision to assets | 0.0512% | 2,753 |
| Net operating income to assets | 1.2687% | 1,750 |
| Return on assets (ROA) | 1.2698% | 1,751 |
| Pretax return on assets | 1.6289% | 1,300 |
| Return on Equity (ROE) | 10.2460% | 2,306 |
| Retained earnings to average equity (ytd only) | 1.9831% | 4,354 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5839% | 4,732 |
| Assets per employee ($millions) | 6.0253% | 1,498 |
| Cash dividends to net income (ytd only)* | 80.6452% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 1,321 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 3,458 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 73.5272% | 1,939 |
| Net loans and leases to deposits | 96.8386% | 950 |
| Net loans and leases to core deposits | 103.2231% | 1,440 |
| Total domestic deposits to total assets | 75.9275% | 4,967 |
| Equity capital to assets | 12.3978% | 1,550 |
| Core capital (leverage) ratio | 11.6513% | 1,890 |
| Tier 1 risk-based capital ratio | 14.2746% | 3,240 |
| Total risk-based capital ratio | 15.5267% | 3,159 |
| Memoranda: | ||
| Average total assets | $585,908,500 | 1,240 |
| Average earning assets | $534,786,000 | 1,252 |
| Average equity | $72,613,500 | 1,128 |
| Average total loans | $435,906,000 | 1,179 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1751% | 2,784 |
| Cost of funding earning assets | 0.5196% | 2,181 |
| Net interest margin | 3.6555% | 2,969 |
| Noninterest income to average assets | 0.3720% | 3,806 |
| Noninterest expense to average assets | 2.0119% | 4,939 |
| Loan and lease loss provision to assets | 0.0518% | 3,191 |
| Net operating income to assets | 1.1576% | 1,653 |
| Return on assets (ROA) | 1.2174% | 1,488 |
| Pretax return on assets | 1.7208% | 960 |
| Return on Equity (ROE) | 10.0481% | 1,863 |
| Retained earnings to average equity (ytd only) | 4.9839% | 2,135 |
| Net charge-offs to loans | -0.0128% | 4,853 |
| Credit loss provision to net charge-offs | -562.9630% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2281% | 4,934 |
| Assets per employee ($millions) | 5.9935% | 1,520 |
| Cash dividends to net income (ytd only)* | 50.3990% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 1,323 |
| Loan loss allowance to noncurrent loans | 7,068.0851% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 3,423 |
| Noncurrent loans to loans | 0.0216% | 4,920 |
| Net loans and leases to total assets | 72.9900% | 2,096 |
| Net loans and leases to deposits | 96.5033% | 1,040 |
| Net loans and leases to core deposits | 102.8730% | 1,499 |
| Total domestic deposits to total assets | 75.6347% | 5,021 |
| Equity capital to assets | 12.3736% | 1,584 |
| Core capital (leverage) ratio | 11.7473% | 1,764 |
| Tier 1 risk-based capital ratio | 14.1970% | 3,257 |
| Total risk-based capital ratio | 15.4490% | 3,154 |
| Memoranda: | ||
| Average total assets | $586,749,800 | 1,223 |
| Average earning assets | $534,235,600 | 1,233 |
| Average equity | $71,088,200 | 1,121 |
| Average total loans | $422,287,800 | 1,180 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 2,764 |
| Cost of funding earning assets | 0.5156% | 2,143 |
| Net interest margin | 3.6423% | 2,988 |
| Noninterest income to average assets | 0.3594% | 3,959 |
| Noninterest expense to average assets | 2.0050% | 4,938 |
| Loan and lease loss provision to assets | 0.0521% | 3,058 |
| Net operating income to assets | 1.0887% | 2,139 |
| Return on assets (ROA) | 1.1640% | 1,874 |
| Pretax return on assets | 1.7333% | 1,039 |
| Return on Equity (ROE) | 9.6587% | 2,277 |
| Retained earnings to average equity (ytd only) | 4.5663% | 3,171 |
| Net charge-offs to loans | -0.0229% | 4,896 |
| Credit loss provision to net charge-offs | -318.0556% | 4,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3629% | 4,910 |
| Assets per employee ($millions) | 5.6824% | 1,742 |
| Cash dividends to net income (ytd only)* | 52.7241% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5571% | 1,339 |
| Loan loss allowance to noncurrent loans | 3,293.5000% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 3,446 |
| Noncurrent loans to loans | 0.0473% | 4,900 |
| Net loans and leases to total assets | 74.0249% | 1,912 |
| Net loans and leases to deposits | 99.2511% | 799 |
| Net loans and leases to core deposits | 106.4445% | 1,243 |
| Total domestic deposits to total assets | 74.5834% | 5,175 |
| Equity capital to assets | 12.8103% | 1,489 |
| Core capital (leverage) ratio | 11.6095% | 1,944 |
| Tier 1 risk-based capital ratio | 14.1859% | 3,360 |
| Total risk-based capital ratio | 15.4381% | 3,263 |
| Memoranda: | ||
| Average total assets | $586,596,000 | 1,230 |
| Average earning assets | $534,478,000 | 1,244 |
| Average equity | $70,690,750 | 1,136 |
| Average total loans | $419,019,250 | 1,195 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0751% | 2,912 |
| Cost of funding earning assets | 0.5016% | 2,152 |
| Net interest margin | 3.5735% | 3,134 |
| Noninterest income to average assets | 0.3162% | 4,280 |
| Noninterest expense to average assets | 1.9724% | 5,031 |
| Loan and lease loss provision to assets | 0.0511% | 2,962 |
| Net operating income to assets | 1.0355% | 2,272 |
| Return on assets (ROA) | 1.1248% | 1,925 |
| Pretax return on assets | 1.6848% | 1,094 |
| Return on Equity (ROE) | 9.5226% | 2,255 |
| Retained earnings to average equity (ytd only) | 4.3968% | 3,089 |
| Net charge-offs to loans | -0.0350% | 5,024 |
| Credit loss provision to net charge-offs | -208.2192% | 4,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0193% | 4,922 |
| Assets per employee ($millions) | 5.9985% | 1,460 |
| Cash dividends to net income (ytd only)* | 53.8278% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 1,412 |
| Loan loss allowance to noncurrent loans | 11,626.7857% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 3,648 |
| Noncurrent loans to loans | 0.0133% | 5,121 |
| Net loans and leases to total assets | 70.5376% | 2,436 |
| Net loans and leases to deposits | 97.2146% | 970 |
| Net loans and leases to core deposits | 102.8303% | 1,448 |
| Total domestic deposits to total assets | 72.5587% | 5,419 |
| Equity capital to assets | 12.1275% | 1,846 |
| Core capital (leverage) ratio | 11.1938% | 2,227 |
| Tier 1 risk-based capital ratio | 14.0666% | 3,399 |
| Total risk-based capital ratio | 15.3186% | 3,317 |
| Memoranda: | ||
| Average total assets | $594,610,000 | 1,211 |
| Average earning assets | $542,266,000 | 1,230 |
| Average equity | $70,232,670 | 1,137 |
| Average total loans | $417,686,670 | 1,197 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0313% | 2,926 |
| Cost of funding earning assets | 0.4958% | 2,124 |
| Net interest margin | 3.5354% | 3,146 |
| Noninterest income to average assets | 0.3425% | 4,104 |
| Noninterest expense to average assets | 1.9525% | 5,145 |
| Loan and lease loss provision to assets | 0.0515% | 2,780 |
| Net operating income to assets | 1.0355% | 2,143 |
| Return on assets (ROA) | 1.0355% | 2,191 |
| Pretax return on assets | 1.5579% | 1,349 |
| Return on Equity (ROE) | 8.8834% | 2,470 |
| Retained earnings to average equity (ytd only) | 3.7186% | 3,583 |
| Net charge-offs to loans | -0.0692% | 5,323 |
| Credit loss provision to net charge-offs | -106.9444% | 3,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6667% | 5,074 |
| Assets per employee ($millions) | 5.8754% | 1,597 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 1,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3950% | 3,618 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 68.7054% | 2,570 |
| Net loans and leases to deposits | 93.7350% | 1,137 |
| Net loans and leases to core deposits | 99.6675% | 1,525 |
| Total domestic deposits to total assets | 73.2975% | 5,468 |
| Equity capital to assets | 11.8378% | 1,950 |
| Core capital (leverage) ratio | 10.8629% | 2,523 |
| Tier 1 risk-based capital ratio | 13.8801% | 3,559 |
| Total risk-based capital ratio | 15.1320% | 3,466 |
| Memoranda: | ||
| Average total assets | $597,988,000 | 1,211 |
| Average earning assets | $544,543,500 | 1,224 |
| Average equity | $69,703,000 | 1,136 |
| Average total loans | $415,945,500 | 1,206 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2446% | 2,334 |
| Cost of funding earning assets | 0.5336% | 1,841 |
| Net interest margin | 3.7110% | 2,650 |
| Noninterest income to average assets | 0.3925% | 3,950 |
| Noninterest expense to average assets | 1.9966% | 5,200 |
| Loan and lease loss provision to assets | 0.0465% | 3,463 |
| Net operating income to assets | 1.1810% | 1,563 |
| Return on assets (ROA) | 1.2160% | 1,537 |
| Pretax return on assets | 1.7864% | 827 |
| Return on Equity (ROE) | 10.5197% | 1,761 |
| Retained earnings to average equity (ytd only) | 6.1194% | 1,646 |
| Net charge-offs to loans | 0.1023% | 2,252 |
| Credit loss provision to net charge-offs | 62.8440% | 3,208 |
| Earnings coverage of net charge-offs (x) | 24.0963% | 1,654 |
| Efficiency ratio | 52.7107% | 5,332 |
| Assets per employee ($millions) | 5.7939% | 1,627 |
| Cash dividends to net income (ytd only)* | 41.8293% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5047% | 1,647 |
| Loan loss allowance to noncurrent loans | 7,665.8537% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 3,671 |
| Noncurrent loans to loans | 0.0196% | 5,199 |
| Net loans and leases to total assets | 68.2855% | 2,729 |
| Net loans and leases to deposits | 92.2457% | 1,416 |
| Net loans and leases to core deposits | 98.4018% | 1,741 |
| Total domestic deposits to total assets | 74.0257% | 5,442 |
| Equity capital to assets | 11.4775% | 2,193 |
| Core capital (leverage) ratio | 10.7513% | 2,592 |
| Tier 1 risk-based capital ratio | 13.6990% | 3,648 |
| Total risk-based capital ratio | 14.9504% | 3,557 |
| Memoranda: | ||
| Average total assets | $589,798,800 | 1,189 |
| Average earning assets | $538,042,600 | 1,195 |
| Average equity | $68,176,800 | 1,148 |
| Average total loans | $426,284,400 | 1,149 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3005% | 2,164 |
| Cost of funding earning assets | 0.5405% | 1,787 |
| Net interest margin | 3.7600% | 2,491 |
| Noninterest income to average assets | 0.3953% | 3,956 |
| Noninterest expense to average assets | 1.9924% | 5,224 |
| Loan and lease loss provision to assets | 0.0450% | 3,340 |
| Net operating income to assets | 1.2088% | 1,617 |
| Return on assets (ROA) | 1.2551% | 1,541 |
| Pretax return on assets | 1.8613% | 781 |
| Return on Equity (ROE) | 10.8381% | 1,734 |
| Retained earnings to average equity (ytd only) | 6.4220% | 1,956 |
| Net charge-offs to loans | -0.0146% | 4,902 |
| Credit loss provision to net charge-offs | -421.2766% | 5,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8844% | 5,398 |
| Assets per employee ($millions) | 5.9961% | 1,435 |
| Cash dividends to net income (ytd only)* | 40.7462% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5438% | 1,622 |
| Loan loss allowance to noncurrent loans | 763.1699% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.5259% | 3,354 |
| Noncurrent loans to loans | 0.2023% | 4,547 |
| Net loans and leases to total assets | 73.3880% | 1,970 |
| Net loans and leases to deposits | 101.2599% | 623 |
| Net loans and leases to core deposits | 108.8970% | 995 |
| Total domestic deposits to total assets | 72.4749% | 5,567 |
| Equity capital to assets | 11.9694% | 2,145 |
| Core capital (leverage) ratio | 10.6927% | 2,792 |
| Tier 1 risk-based capital ratio | 13.2318% | 4,017 |
| Total risk-based capital ratio | 14.4839% | 3,925 |
| Memoranda: | ||
| Average total assets | $586,607,500 | 1,193 |
| Average earning assets | $535,802,000 | 1,200 |
| Average equity | $67,931,250 | 1,159 |
| Average total loans | $428,418,000 | 1,142 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2855% | 2,195 |
| Cost of funding earning assets | 0.5434% | 1,753 |
| Net interest margin | 3.7421% | 2,543 |
| Noninterest income to average assets | 0.3903% | 3,946 |
| Noninterest expense to average assets | 1.9664% | 5,340 |
| Loan and lease loss provision to assets | 0.0415% | 3,324 |
| Net operating income to assets | 1.2078% | 1,570 |
| Return on assets (ROA) | 1.2559% | 1,522 |
| Pretax return on assets | 1.8750% | 735 |
| Return on Equity (ROE) | 10.9664% | 1,659 |
| Retained earnings to average equity (ytd only) | 6.5133% | 1,868 |
| Net charge-offs to loans | -0.0342% | 5,192 |
| Credit loss provision to net charge-offs | -167.1233% | 4,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4541% | 5,478 |
| Assets per employee ($millions) | 6.1499% | 1,304 |
| Cash dividends to net income (ytd only)* | 40.6064% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5387% | 1,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 3,994 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 72.0016% | 2,168 |
| Net loans and leases to deposits | 99.4379% | 742 |
| Net loans and leases to core deposits | 107.7838% | 1,047 |
| Total domestic deposits to total assets | 72.4086% | 5,645 |
| Equity capital to assets | 11.6487% | 2,406 |
| Core capital (leverage) ratio | 10.3607% | 3,122 |
| Tier 1 risk-based capital ratio | 12.9455% | 4,235 |
| Total risk-based capital ratio | 14.1976% | 4,143 |
| Memoranda: | ||
| Average total assets | $588,270,670 | 1,195 |
| Average earning assets | $537,771,330 | 1,203 |
| Average equity | $67,369,670 | 1,169 |
| Average total loans | $426,713,670 | 1,144 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2382% | 2,337 |
| Cost of funding earning assets | 0.5495% | 1,716 |
| Net interest margin | 3.6888% | 2,715 |
| Noninterest income to average assets | 0.3808% | 3,984 |
| Noninterest expense to average assets | 1.9966% | 5,347 |
| Loan and lease loss provision to assets | 0.0307% | 3,253 |
| Net operating income to assets | 1.1298% | 1,793 |
| Return on assets (ROA) | 1.2125% | 1,616 |
| Pretax return on assets | 1.8447% | 774 |
| Return on Equity (ROE) | 10.6798% | 1,722 |
| Retained earnings to average equity (ytd only) | 6.1799% | 2,293 |
| Net charge-offs to loans | -0.0377% | 5,180 |
| Credit loss provision to net charge-offs | -112.5000% | 4,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1455% | 5,446 |
| Assets per employee ($millions) | 6.1311% | 1,315 |
| Cash dividends to net income (ytd only)* | 42.1348% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5377% | 1,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 4,074 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 71.0741% | 2,181 |
| Net loans and leases to deposits | 96.4426% | 898 |
| Net loans and leases to core deposits | 105.3335% | 1,118 |
| Total domestic deposits to total assets | 73.6958% | 5,639 |
| Equity capital to assets | 11.4608% | 2,473 |
| Core capital (leverage) ratio | 10.2612% | 3,251 |
| Tier 1 risk-based capital ratio | 12.8595% | 4,351 |
| Total risk-based capital ratio | 14.1113% | 4,257 |
| Memoranda: | ||
| Average total assets | $587,209,000 | 1,203 |
| Average earning assets | $535,791,000 | 1,208 |
| Average equity | $66,668,000 | 1,178 |
| Average total loans | $424,202,500 | 1,146 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 2,651 |
| Cost of funding earning assets | 0.5479% | 1,782 |
| Net interest margin | 3.6243% | 3,041 |
| Noninterest income to average assets | 0.3185% | 4,617 |
| Noninterest expense to average assets | 1.8918% | 5,627 |
| Loan and lease loss provision to assets | 0.0335% | 3,687 |
| Net operating income to assets | 1.1853% | 1,604 |
| Return on assets (ROA) | 1.2010% | 1,616 |
| Pretax return on assets | 1.7257% | 944 |
| Return on Equity (ROE) | 10.2647% | 1,894 |
| Retained earnings to average equity (ytd only) | 5.5468% | 2,053 |
| Net charge-offs to loans | -0.0621% | 5,624 |
| Credit loss provision to net charge-offs | -77.8656% | 5,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9918% | 5,636 |
| Assets per employee ($millions) | 5.8583% | 1,492 |
| Cash dividends to net income (ytd only)* | 45.9624% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5224% | 1,889 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 3,949 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 71.1965% | 2,173 |
| Net loans and leases to deposits | 96.0165% | 1,009 |
| Net loans and leases to core deposits | 101.5737% | 1,398 |
| Total domestic deposits to total assets | 74.1503% | 5,628 |
| Equity capital to assets | 11.2455% | 2,593 |
| Core capital (leverage) ratio | 10.0097% | 3,494 |
| Tier 1 risk-based capital ratio | 12.6486% | 4,549 |
| Total risk-based capital ratio | 13.9001% | 4,439 |
| Memoranda: | ||
| Average total assets | $588,757,400 | 1,161 |
| Average earning assets | $537,703,400 | 1,170 |
| Average equity | $68,886,800 | 1,104 |
| Average total loans | $407,499,000 | 1,133 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1356% | 2,793 |
| Cost of funding earning assets | 0.5459% | 1,836 |
| Net interest margin | 3.5896% | 3,203 |
| Noninterest income to average assets | 0.3246% | 4,619 |
| Noninterest expense to average assets | 1.8520% | 5,710 |
| Loan and lease loss provision to assets | 0.0342% | 3,539 |
| Net operating income to assets | 1.1878% | 1,688 |
| Return on assets (ROA) | 1.2012% | 1,713 |
| Pretax return on assets | 1.7416% | 1,009 |
| Return on Equity (ROE) | 10.1684% | 2,036 |
| Retained earnings to average equity (ytd only) | 3.9460% | 3,660 |
| Net charge-offs to loans | -0.0714% | 5,665 |
| Credit loss provision to net charge-offs | -69.9074% | 5,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1816% | 5,710 |
| Assets per employee ($millions) | 6.0822% | 1,311 |
| Cash dividends to net income (ytd only)* | 61.1938% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 2,107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 4,074 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 68.8511% | 2,552 |
| Net loans and leases to deposits | 98.1166% | 809 |
| Net loans and leases to core deposits | 106.0589% | 1,096 |
| Total domestic deposits to total assets | 70.1727% | 5,964 |
| Equity capital to assets | 11.7674% | 2,293 |
| Core capital (leverage) ratio | 10.6148% | 2,912 |
| Tier 1 risk-based capital ratio | 13.5508% | 4,114 |
| Total risk-based capital ratio | 14.8022% | 4,038 |
| Memoranda: | ||
| Average total assets | $589,489,750 | 1,162 |
| Average earning assets | $539,245,750 | 1,177 |
| Average equity | $69,638,750 | 1,099 |
| Average total loans | $403,489,500 | 1,144 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1193% | 2,829 |
| Cost of funding earning assets | 0.5441% | 1,869 |
| Net interest margin | 3.5752% | 3,187 |
| Noninterest income to average assets | 0.3783% | 4,244 |
| Noninterest expense to average assets | 1.8429% | 5,792 |
| Loan and lease loss provision to assets | 0.0359% | 3,409 |
| Net operating income to assets | 1.2080% | 1,574 |
| Return on assets (ROA) | 1.2080% | 1,656 |
| Pretax return on assets | 1.7664% | 946 |
| Return on Equity (ROE) | 10.2119% | 1,973 |
| Retained earnings to average equity (ytd only) | 4.4343% | 3,189 |
| Net charge-offs to loans | -0.0880% | 5,736 |
| Credit loss provision to net charge-offs | -60.0000% | 4,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4078% | 5,828 |
| Assets per employee ($millions) | 6.0186% | 1,336 |
| Cash dividends to net income (ytd only)* | 56.5771% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5377% | 2,127 |
| Loan loss allowance to noncurrent loans | 313,900.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 3,756 |
| Noncurrent loans to loans | 0.0005% | 5,784 |
| Net loans and leases to total assets | 67.4680% | 2,721 |
| Net loans and leases to deposits | 96.0868% | 957 |
| Net loans and leases to core deposits | 99.5429% | 1,529 |
| Total domestic deposits to total assets | 70.2157% | 6,029 |
| Equity capital to assets | 11.7267% | 2,225 |
| Core capital (leverage) ratio | 10.8437% | 2,572 |
| Tier 1 risk-based capital ratio | 13.7837% | 4,042 |
| Total risk-based capital ratio | 15.0352% | 3,980 |
| Memoranda: | ||
| Average total assets | $585,274,000 | 1,173 |
| Average earning assets | $534,794,330 | 1,187 |
| Average equity | $69,233,000 | 1,107 |
| Average total loans | $397,671,670 | 1,159 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1070% | 2,801 |
| Cost of funding earning assets | 0.5476% | 1,869 |
| Net interest margin | 3.5594% | 3,182 |
| Noninterest income to average assets | 0.3607% | 4,321 |
| Noninterest expense to average assets | 1.8145% | 5,877 |
| Loan and lease loss provision to assets | 0.0414% | 3,089 |
| Net operating income to assets | 1.1876% | 1,587 |
| Return on assets (ROA) | 1.1876% | 1,684 |
| Pretax return on assets | 1.7504% | 953 |
| Return on Equity (ROE) | 9.9952% | 2,010 |
| Retained earnings to average equity (ytd only) | 4.1908% | 3,491 |
| Net charge-offs to loans | -0.0540% | 5,553 |
| Credit loss provision to net charge-offs | -113.2075% | 4,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1626% | 5,904 |
| Assets per employee ($millions) | 5.7585% | 1,578 |
| Cash dividends to net income (ytd only)* | 58.0720% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5593% | 2,194 |
| Loan loss allowance to noncurrent loans | 122,220.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.6008% | 3,677 |
| Noncurrent loans to loans | 0.0013% | 5,821 |
| Net loans and leases to total assets | 67.6711% | 2,503 |
| Net loans and leases to deposits | 93.0036% | 1,087 |
| Net loans and leases to core deposits | 95.8835% | 1,625 |
| Total domestic deposits to total assets | 72.7618% | 5,996 |
| Equity capital to assets | 12.2192% | 1,880 |
| Core capital (leverage) ratio | 10.8671% | 2,555 |
| Tier 1 risk-based capital ratio | 14.1542% | 3,911 |
| Total risk-based capital ratio | 15.4060% | 3,839 |
| Memoranda: | ||
| Average total assets | $579,988,500 | 1,188 |
| Average earning assets | $528,855,500 | 1,209 |
| Average equity | $68,913,000 | 1,118 |
| Average total loans | $392,366,000 | 1,168 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2200% | 2,883 |
| Cost of funding earning assets | 0.5887% | 1,869 |
| Net interest margin | 3.6313% | 3,288 |
| Noninterest income to average assets | 0.2504% | 5,335 |
| Noninterest expense to average assets | 1.9061% | 5,929 |
| Loan and lease loss provision to assets | 0.0446% | 3,681 |
| Net operating income to assets | 1.1371% | 1,831 |
| Return on assets (ROA) | 1.1377% | 1,893 |
| Pretax return on assets | 1.5874% | 1,275 |
| Return on Equity (ROE) | 9.8993% | 2,164 |
| Retained earnings to average equity (ytd only) | 4.4250% | 3,031 |
| Net charge-offs to loans | -0.0331% | 5,819 |
| Credit loss provision to net charge-offs | -204.0000% | 5,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5968% | 5,876 |
| Assets per employee ($millions) | 5.9584% | 1,408 |
| Cash dividends to net income (ytd only)* | 55.2995% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 2,354 |
| Loan loss allowance to noncurrent loans | 8,105.4054% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.6410% | 3,653 |
| Noncurrent loans to loans | 0.0188% | 5,818 |
| Net loans and leases to total assets | 65.5781% | 2,966 |
| Net loans and leases to deposits | 90.0617% | 1,516 |
| Net loans and leases to core deposits | 92.7266% | 2,018 |
| Total domestic deposits to total assets | 72.8147% | 6,031 |
| Equity capital to assets | 11.5557% | 2,379 |
| Core capital (leverage) ratio | 10.6666% | 2,757 |
| Tier 1 risk-based capital ratio | 13.8674% | 4,195 |
| Total risk-based capital ratio | 15.1189% | 4,131 |
| Memoranda: | ||
| Average total assets | $572,209,600 | 1,155 |
| Average earning assets | $517,919,800 | 1,181 |
| Average equity | $65,762,400 | 1,119 |
| Average total loans | $377,742,200 | 1,170 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2137% | 2,944 |
| Cost of funding earning assets | 0.5977% | 1,855 |
| Net interest margin | 3.6161% | 3,365 |
| Noninterest income to average assets | 0.2738% | 5,250 |
| Noninterest expense to average assets | 1.9220% | 5,915 |
| Loan and lease loss provision to assets | 0.0397% | 3,618 |
| Net operating income to assets | 1.0991% | 2,034 |
| Return on assets (ROA) | 1.0999% | 2,094 |
| Pretax return on assets | 1.5825% | 1,382 |
| Return on Equity (ROE) | 9.5841% | 2,410 |
| Retained earnings to average equity (ytd only) | 4.0595% | 3,759 |
| Net charge-offs to loans | -0.0389% | 5,825 |
| Credit loss provision to net charge-offs | -155.0459% | 5,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9104% | 5,831 |
| Assets per employee ($millions) | 5.7329% | 1,543 |
| Cash dividends to net income (ytd only)* | 57.6430% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5098% | 2,659 |
| Loan loss allowance to noncurrent loans | 7,757.8947% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.7195% | 3,654 |
| Noncurrent loans to loans | 0.0195% | 5,950 |
| Net loans and leases to total assets | 67.0896% | 2,672 |
| Net loans and leases to deposits | 95.1094% | 947 |
| Net loans and leases to core deposits | 97.1645% | 1,579 |
| Total domestic deposits to total assets | 70.5393% | 6,257 |
| Equity capital to assets | 11.6207% | 2,382 |
| Core capital (leverage) ratio | 10.6764% | 2,839 |
| Tier 1 risk-based capital ratio | 13.8751% | 4,307 |
| Total risk-based capital ratio | 15.1265% | 4,247 |
| Memoranda: | ||
| Average total assets | $567,791,750 | 1,176 |
| Average earning assets | $513,325,000 | 1,197 |
| Average equity | $65,161,750 | 1,134 |
| Average total loans | $373,970,000 | 1,190 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1773% | 3,043 |
| Cost of funding earning assets | 0.6052% | 1,860 |
| Net interest margin | 3.5721% | 3,476 |
| Noninterest income to average assets | 0.2124% | 5,681 |
| Noninterest expense to average assets | 1.9132% | 5,978 |
| Loan and lease loss provision to assets | 0.0364% | 3,567 |
| Net operating income to assets | 1.0296% | 2,205 |
| Return on assets (ROA) | 1.0308% | 2,264 |
| Pretax return on assets | 1.4853% | 1,579 |
| Return on Equity (ROE) | 9.0204% | 2,583 |
| Retained earnings to average equity (ytd only) | 3.4542% | 4,002 |
| Net charge-offs to loans | -0.0347% | 5,738 |
| Credit loss provision to net charge-offs | -160.9375% | 5,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2856% | 5,808 |
| Assets per employee ($millions) | 5.6290% | 1,586 |
| Cash dividends to net income (ytd only)* | 61.7072% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 2,746 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7183% | 3,829 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 65.3264% | 2,859 |
| Net loans and leases to deposits | 90.3090% | 1,343 |
| Net loans and leases to core deposits | 91.9114% | 1,946 |
| Total domestic deposits to total assets | 72.3366% | 6,226 |
| Equity capital to assets | 11.5950% | 2,331 |
| Core capital (leverage) ratio | 10.5340% | 2,903 |
| Tier 1 risk-based capital ratio | 14.0475% | 4,230 |
| Total risk-based capital ratio | 15.2990% | 4,155 |
| Memoranda: | ||
| Average total assets | $565,960,330 | 1,175 |
| Average earning assets | $510,281,000 | 1,200 |
| Average equity | $64,675,670 | 1,131 |
| Average total loans | $368,456,330 | 1,199 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1244% | 3,185 |
| Cost of funding earning assets | 0.6123% | 1,876 |
| Net interest margin | 3.5121% | 3,637 |
| Noninterest income to average assets | 0.0545% | 6,476 |
| Noninterest expense to average assets | 1.8963% | 6,070 |
| Loan and lease loss provision to assets | 0.0368% | 3,325 |
| Net operating income to assets | 0.8997% | 2,654 |
| Return on assets (ROA) | 0.8933% | 2,751 |
| Pretax return on assets | 1.2814% | 2,168 |
| Return on Equity (ROE) | 7.8747% | 2,991 |
| Retained earnings to average equity (ytd only) | 2.2544% | 4,702 |
| Net charge-offs to loans | -0.0165% | 5,259 |
| Credit loss provision to net charge-offs | -346.6667% | 5,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0312% | 5,642 |
| Assets per employee ($millions) | 5.7532% | 1,496 |
| Cash dividends to net income (ytd only)* | 71.3719% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 2,842 |
| Loan loss allowance to noncurrent loans | 21,055.5556% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.8791% | 3,534 |
| Noncurrent loans to loans | 0.0074% | 6,161 |
| Net loans and leases to total assets | 62.6522% | 3,132 |
| Net loans and leases to deposits | 85.6010% | 1,645 |
| Net loans and leases to core deposits | 87.8720% | 2,109 |
| Total domestic deposits to total assets | 73.1910% | 6,294 |
| Equity capital to assets | 11.3324% | 2,391 |
| Core capital (leverage) ratio | 10.4448% | 2,996 |
| Tier 1 risk-based capital ratio | 14.3109% | 4,120 |
| Total risk-based capital ratio | 15.5627% | 4,072 |
| Memoranda: | ||
| Average total assets | $564,675,000 | 1,176 |
| Average earning assets | $509,558,000 | 1,213 |
| Average equity | $64,053,000 | 1,144 |
| Average total loans | $364,091,500 | 1,216 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3253% | 2,862 |
| Cost of funding earning assets | 0.7579% | 1,454 |
| Net interest margin | 3.5674% | 3,611 |
| Noninterest income to average assets | 0.1256% | 6,303 |
| Noninterest expense to average assets | 2.0219% | 5,987 |
| Loan and lease loss provision to assets | 0.0523% | 4,092 |
| Net operating income to assets | 0.8959% | 2,803 |
| Return on assets (ROA) | 0.8884% | 2,931 |
| Pretax return on assets | 1.2388% | 2,421 |
| Return on Equity (ROE) | 7.5782% | 3,259 |
| Retained earnings to average equity (ytd only) | 2.5094% | 4,466 |
| Net charge-offs to loans | -0.0383% | 6,277 |
| Credit loss provision to net charge-offs | -211.8519% | 5,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8239% | 5,630 |
| Assets per employee ($millions) | 5.4348% | 1,719 |
| Cash dividends to net income (ytd only)* | 66.8862% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 3,025 |
| Loan loss allowance to noncurrent loans | 8,778.1250% | 91 |
| Noncurrent assets plus other real estate owned to assets | 1.0711% | 3,269 |
| Noncurrent loans to loans | 0.0175% | 6,216 |
| Net loans and leases to total assets | 64.3167% | 2,990 |
| Net loans and leases to deposits | 88.0043% | 1,465 |
| Net loans and leases to core deposits | 90.5066% | 1,962 |
| Total domestic deposits to total assets | 73.0836% | 6,349 |
| Equity capital to assets | 11.3545% | 2,287 |
| Core capital (leverage) ratio | 10.7420% | 2,633 |
| Tier 1 risk-based capital ratio | 14.1004% | 4,228 |
| Total risk-based capital ratio | 15.3519% | 4,171 |
| Memoranda: | ||
| Average total assets | $546,967,000 | 1,215 |
| Average earning assets | $490,302,200 | 1,249 |
| Average equity | $64,118,200 | 1,115 |
| Average total loans | $352,726,400 | 1,214 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3472% | 2,800 |
| Cost of funding earning assets | 0.7938% | 1,361 |
| Net interest margin | 3.5534% | 3,640 |
| Noninterest income to average assets | 0.0645% | 6,587 |
| Noninterest expense to average assets | 2.0295% | 5,961 |
| Loan and lease loss provision to assets | 0.0613% | 3,817 |
| Net operating income to assets | 0.8227% | 3,238 |
| Return on assets (ROA) | 0.8133% | 3,406 |
| Pretax return on assets | 1.1456% | 2,916 |
| Return on Equity (ROE) | 6.8826% | 3,721 |
| Retained earnings to average equity (ytd only) | 2.2140% | 4,998 |
| Net charge-offs to loans | -0.0408% | 6,250 |
| Credit loss provision to net charge-offs | -233.6449% | 5,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3788% | 5,374 |
| Assets per employee ($millions) | 5.3770% | 1,761 |
| Cash dividends to net income (ytd only)* | 67.8324% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 3,211 |
| Loan loss allowance to noncurrent loans | 11,334.6939% | 70 |
| Noncurrent assets plus other real estate owned to assets | 1.1991% | 3,255 |
| Noncurrent loans to loans | 0.0137% | 6,323 |
| Net loans and leases to total assets | 64.8327% | 2,844 |
| Net loans and leases to deposits | 90.0077% | 1,163 |
| Net loans and leases to core deposits | 92.3181% | 1,745 |
| Total domestic deposits to total assets | 72.0302% | 6,490 |
| Equity capital to assets | 11.5884% | 2,233 |
| Core capital (leverage) ratio | 10.6953% | 2,798 |
| Tier 1 risk-based capital ratio | 14.5547% | 4,043 |
| Total risk-based capital ratio | 15.7181% | 4,050 |
| Memoranda: | ||
| Average total assets | $543,761,750 | 1,234 |
| Average earning assets | $487,407,250 | 1,265 |
| Average equity | $64,257,500 | 1,126 |
| Average total loans | $349,494,250 | 1,221 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2263% | 3,258 |
| Cost of funding earning assets | 0.8155% | 1,333 |
| Net interest margin | 3.4109% | 4,158 |
| Noninterest income to average assets | 0.3018% | 5,292 |
| Noninterest expense to average assets | 2.0254% | 6,000 |
| Loan and lease loss provision to assets | 0.0522% | 3,940 |
| Net operating income to assets | 0.8976% | 2,810 |
| Return on assets (ROA) | 0.8901% | 2,993 |
| Pretax return on assets | 1.2691% | 2,409 |
| Return on Equity (ROE) | 7.4839% | 3,352 |
| Retained earnings to average equity (ytd only) | 2.8470% | 4,500 |
| Net charge-offs to loans | -0.0450% | 6,226 |
| Credit loss provision to net charge-offs | -182.0513% | 5,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3224% | 5,686 |
| Assets per employee ($millions) | 5.2187% | 1,874 |
| Cash dividends to net income (ytd only)* | 61.9579% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 3,368 |
| Loan loss allowance to noncurrent loans | 231.9914% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 1.9075% | 2,274 |
| Noncurrent loans to loans | 0.6677% | 4,605 |
| Net loans and leases to total assets | 63.4381% | 3,017 |
| Net loans and leases to deposits | 85.3987% | 1,635 |
| Net loans and leases to core deposits | 87.6300% | 2,150 |
| Total domestic deposits to total assets | 74.2846% | 6,423 |
| Equity capital to assets | 11.7786% | 2,071 |
| Core capital (leverage) ratio | 10.4619% | 2,933 |
| Tier 1 risk-based capital ratio | 14.7374% | 3,952 |
| Total risk-based capital ratio | 15.9894% | 3,917 |
| Memoranda: | ||
| Average total assets | $543,989,670 | 1,235 |
| Average earning assets | $487,326,330 | 1,260 |
| Average equity | $64,698,670 | 1,121 |
| Average total loans | $346,777,000 | 1,220 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1745% | 3,407 |
| Cost of funding earning assets | 0.8129% | 1,457 |
| Net interest margin | 3.3617% | 4,267 |
| Noninterest income to average assets | 0.2585% | 5,611 |
| Noninterest expense to average assets | 2.0000% | 6,106 |
| Loan and lease loss provision to assets | 0.0779% | 3,338 |
| Net operating income to assets | 0.8261% | 3,019 |
| Return on assets (ROA) | 0.8086% | 3,243 |
| Pretax return on assets | 1.1568% | 2,739 |
| Return on Equity (ROE) | 6.7666% | 3,612 |
| Retained earnings to average equity (ytd only) | 2.1572% | 4,922 |
| Net charge-offs to loans | -0.0452% | 6,086 |
| Credit loss provision to net charge-offs | -271.7949% | 5,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2835% | 5,688 |
| Assets per employee ($millions) | 5.4724% | 1,692 |
| Cash dividends to net income (ytd only)* | 68.1199% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 3,579 |
| Loan loss allowance to noncurrent loans | 189.2984% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 2.1066% | 2,229 |
| Noncurrent loans to loans | 0.8233% | 4,477 |
| Net loans and leases to total assets | 62.2846% | 3,004 |
| Net loans and leases to deposits | 81.9117% | 1,843 |
| Net loans and leases to core deposits | 83.9755% | 2,325 |
| Total domestic deposits to total assets | 76.0387% | 6,360 |
| Equity capital to assets | 12.0329% | 2,014 |
| Core capital (leverage) ratio | 10.5570% | 2,699 |
| Tier 1 risk-based capital ratio | 14.5570% | 4,133 |
| Total risk-based capital ratio | 15.8087% | 4,098 |
| Memoranda: | ||
| Average total assets | $544,612,000 | 1,241 |
| Average earning assets | $486,186,000 | 1,276 |
| Average equity | $65,084,000 | 1,133 |
| Average total loans | $345,303,500 | 1,229 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4022% | 3,803 |
| Cost of funding earning assets | 0.9791% | 1,473 |
| Net interest margin | 3.4231% | 4,805 |
| Noninterest income to average assets | 0.2717% | 5,516 |
| Noninterest expense to average assets | 2.0001% | 6,325 |
| Loan and lease loss provision to assets | 0.1000% | 4,393 |
| Net operating income to assets | 0.8730% | 2,944 |
| Return on assets (ROA) | 0.8596% | 3,245 |
| Pretax return on assets | 1.2335% | 2,661 |
| Return on Equity (ROE) | 7.0872% | 3,594 |
| Retained earnings to average equity (ytd only) | 2.4009% | 4,542 |
| Net charge-offs to loans | 0.1449% | 4,244 |
| Credit loss provision to net charge-offs | 109.5436% | 2,676 |
| Earnings coverage of net charge-offs (x) | 14.8112% | 1,706 |
| Efficiency ratio | 57.5869% | 5,886 |
| Assets per employee ($millions) | 5.7627% | 1,458 |
| Cash dividends to net income (ytd only)* | 66.1230% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 3,767 |
| Loan loss allowance to noncurrent loans | 183.3157% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 2.1625% | 2,271 |
| Noncurrent loans to loans | 0.8151% | 4,555 |
| Net loans and leases to total assets | 62.5858% | 3,151 |
| Net loans and leases to deposits | 81.3033% | 2,107 |
| Net loans and leases to core deposits | 83.3226% | 2,628 |
| Total domestic deposits to total assets | 76.9781% | 6,228 |
| Equity capital to assets | 11.8690% | 2,134 |
| Core capital (leverage) ratio | 10.5777% | 2,677 |
| Tier 1 risk-based capital ratio | 14.3425% | 4,132 |
| Total risk-based capital ratio | 15.5938% | 4,093 |
| Memoranda: | ||
| Average total assets | $527,781,000 | 1,265 |
| Average earning assets | $475,035,600 | 1,281 |
| Average equity | $64,016,400 | 1,104 |
| Average total loans | $332,648,000 | 1,265 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4145% | 3,992 |
| Cost of funding earning assets | 1.0143% | 1,477 |
| Net interest margin | 3.4003% | 5,034 |
| Noninterest income to average assets | 0.2907% | 5,452 |
| Noninterest expense to average assets | 2.0201% | 6,321 |
| Loan and lease loss provision to assets | 0.1071% | 4,227 |
| Net operating income to assets | 0.8614% | 3,170 |
| Return on assets (ROA) | 0.8489% | 3,473 |
| Pretax return on assets | 1.2189% | 2,919 |
| Return on Equity (ROE) | 6.9596% | 3,843 |
| Retained earnings to average equity (ytd only) | 2.2558% | 5,212 |
| Net charge-offs to loans | 0.1991% | 3,533 |
| Credit loss provision to net charge-offs | 85.5397% | 3,443 |
| Earnings coverage of net charge-offs (x) | 10.7332% | 2,152 |
| Efficiency ratio | 57.9669% | 5,795 |
| Assets per employee ($millions) | 5.4259% | 1,705 |
| Cash dividends to net income (ytd only)* | 67.5879% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 3,939 |
| Loan loss allowance to noncurrent loans | 194.7853% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 2.0703% | 2,564 |
| Noncurrent loans to loans | 0.7715% | 4,866 |
| Net loans and leases to total assets | 63.2600% | 3,165 |
| Net loans and leases to deposits | 84.7650% | 1,768 |
| Net loans and leases to core deposits | 87.7242% | 2,246 |
| Total domestic deposits to total assets | 74.6299% | 6,548 |
| Equity capital to assets | 12.2828% | 2,055 |
| Core capital (leverage) ratio | 10.4815% | 2,934 |
| Tier 1 risk-based capital ratio | 14.7827% | 3,992 |
| Total risk-based capital ratio | 16.0341% | 3,947 |
| Memoranda: | ||
| Average total assets | $522,861,750 | 1,293 |
| Average earning assets | $472,580,000 | 1,308 |
| Average equity | $63,776,000 | 1,121 |
| Average total loans | $328,853,000 | 1,294 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3985% | 4,196 |
| Cost of funding earning assets | 1.0427% | 1,507 |
| Net interest margin | 3.3557% | 5,248 |
| Noninterest income to average assets | 0.2660% | 5,669 |
| Noninterest expense to average assets | 2.0249% | 6,382 |
| Loan and lease loss provision to assets | 0.1200% | 4,028 |
| Net operating income to assets | 0.8063% | 3,368 |
| Return on assets (ROA) | 0.7993% | 3,648 |
| Pretax return on assets | 1.1424% | 3,144 |
| Return on Equity (ROE) | 6.5684% | 4,013 |
| Retained earnings to average equity (ytd only) | 1.8429% | 5,276 |
| Net charge-offs to loans | 0.3241% | 2,736 |
| Credit loss provision to net charge-offs | 59.2803% | 3,817 |
| Earnings coverage of net charge-offs (x) | 6.2860% | 2,668 |
| Efficiency ratio | 59.2838% | 5,696 |
| Assets per employee ($millions) | 5.4334% | 1,673 |
| Cash dividends to net income (ytd only)* | 71.9424% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 3,980 |
| Loan loss allowance to noncurrent loans | 176.3487% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 2.1584% | 2,601 |
| Noncurrent loans to loans | 0.8539% | 4,810 |
| Net loans and leases to total assets | 60.6298% | 3,700 |
| Net loans and leases to deposits | 79.0674% | 2,516 |
| Net loans and leases to core deposits | 83.3609% | 2,774 |
| Total domestic deposits to total assets | 76.6812% | 6,378 |
| Equity capital to assets | 12.0437% | 2,119 |
| Core capital (leverage) ratio | 10.3670% | 2,964 |
| Tier 1 risk-based capital ratio | 14.9788% | 3,782 |
| Total risk-based capital ratio | 16.2301% | 3,731 |
| Memoranda: | ||
| Average total assets | $521,711,670 | 1,300 |
| Average earning assets | $471,254,670 | 1,314 |
| Average equity | $63,486,000 | 1,120 |
| Average total loans | $325,795,670 | 1,303 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4548% | 4,093 |
| Cost of funding earning assets | 1.0810% | 1,492 |
| Net interest margin | 3.3738% | 5,223 |
| Noninterest income to average assets | 0.3796% | 4,825 |
| Noninterest expense to average assets | 1.9398% | 6,566 |
| Loan and lease loss provision to assets | 0.0829% | 4,348 |
| Net operating income to assets | 0.9594% | 2,644 |
| Return on assets (ROA) | 0.9583% | 2,852 |
| Pretax return on assets | 1.3945% | 2,208 |
| Return on Equity (ROE) | 7.8336% | 3,353 |
| Retained earnings to average equity (ytd only) | 3.0840% | 4,709 |
| Net charge-offs to loans | -0.0480% | 6,516 |
| Credit loss provision to net charge-offs | -274.3590% | 5,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6794% | 6,269 |
| Assets per employee ($millions) | 5.4009% | 1,790 |
| Cash dividends to net income (ytd only)* | 60.6306% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6651% | 3,484 |
| Loan loss allowance to noncurrent loans | 2,029.5019% | 229 |
| Noncurrent assets plus other real estate owned to assets | 1.7569% | 3,230 |
| Noncurrent loans to loans | 0.0820% | 6,548 |
| Net loans and leases to total assets | 59.1032% | 3,837 |
| Net loans and leases to deposits | 76.8444% | 2,695 |
| Net loans and leases to core deposits | 79.8620% | 3,085 |
| Total domestic deposits to total assets | 76.9128% | 6,414 |
| Equity capital to assets | 11.9525% | 2,080 |
| Core capital (leverage) ratio | 10.5746% | 2,668 |
| Tier 1 risk-based capital ratio | 15.3166% | 3,550 |
| Total risk-based capital ratio | 16.5696% | 3,501 |
| Memoranda: | ||
| Average total assets | $516,329,000 | 1,317 |
| Average earning assets | $465,119,500 | 1,339 |
| Average equity | $63,164,000 | 1,121 |
| Average total loans | $324,805,500 | 1,304 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7401% | 4,079 |
| Cost of funding earning assets | 1.2652% | 1,656 |
| Net interest margin | 3.4749% | 5,241 |
| Noninterest income to average assets | -0.0523% | 7,060 |
| Noninterest expense to average assets | 2.0209% | 6,641 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6892% | 3,542 |
| Return on assets (ROA) | 0.6888% | 3,726 |
| Pretax return on assets | 1.0409% | 3,076 |
| Return on Equity (ROE) | 5.8164% | 3,958 |
| Retained earnings to average equity (ytd only) | 1.4656% | 5,164 |
| Net charge-offs to loans | 0.5637% | 2,766 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 2.7880% | 3,825 |
| Efficiency ratio | 63.5746% | 5,199 |
| Assets per employee ($millions) | 5.2434% | 1,892 |
| Cash dividends to net income (ytd only)* | 74.8020% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 3,784 |
| Loan loss allowance to noncurrent loans | 662.0823% | 553 |
| Noncurrent assets plus other real estate owned to assets | 1.9544% | 3,032 |
| Noncurrent loans to loans | 0.2347% | 6,271 |
| Net loans and leases to total assets | 64.8305% | 3,018 |
| Net loans and leases to deposits | 84.9149% | 1,812 |
| Net loans and leases to core deposits | 86.2829% | 2,597 |
| Total domestic deposits to total assets | 76.3476% | 6,437 |
| Equity capital to assets | 12.5285% | 1,784 |
| Core capital (leverage) ratio | 10.8573% | 2,390 |
| Tier 1 risk-based capital ratio | 15.0440% | 3,613 |
| Total risk-based capital ratio | 16.2965% | 3,571 |
| Memoranda: | ||
| Average total assets | $494,936,200 | 1,348 |
| Average earning assets | $443,644,400 | 1,360 |
| Average equity | $58,610,400 | 1,159 |
| Average total loans | $327,982,800 | 1,296 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7686% | 4,148 |
| Cost of funding earning assets | 1.3006% | 1,696 |
| Net interest margin | 3.4680% | 5,317 |
| Noninterest income to average assets | -0.0906% | 7,203 |
| Noninterest expense to average assets | 2.0226% | 6,649 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6605% | 3,820 |
| Return on assets (ROA) | 0.6601% | 3,997 |
| Pretax return on assets | 0.9961% | 3,421 |
| Return on Equity (ROE) | 5.6581% | 4,201 |
| Retained earnings to average equity (ytd only) | 0.4406% | 5,816 |
| Net charge-offs to loans | 0.5107% | 2,717 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 2.9402% | 3,676 |
| Efficiency ratio | 64.5251% | 4,978 |
| Assets per employee ($millions) | 5.1279% | 2,024 |
| Cash dividends to net income (ytd only)* | 92.2133% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7523% | 3,097 |
| Loan loss allowance to noncurrent loans | 575.2753% | 586 |
| Noncurrent assets plus other real estate owned to assets | 2.1332% | 2,996 |
| Noncurrent loans to loans | 0.3046% | 6,238 |
| Net loans and leases to total assets | 65.4553% | 3,019 |
| Net loans and leases to deposits | 86.4408% | 1,628 |
| Net loans and leases to core deposits | 90.3823% | 2,206 |
| Total domestic deposits to total assets | 75.7227% | 6,558 |
| Equity capital to assets | 12.7268% | 1,770 |
| Core capital (leverage) ratio | 10.9284% | 2,448 |
| Tier 1 risk-based capital ratio | 14.9472% | 3,691 |
| Total risk-based capital ratio | 16.2020% | 3,661 |
| Memoranda: | ||
| Average total assets | $492,829,000 | 1,360 |
| Average earning assets | $441,937,000 | 1,384 |
| Average equity | $57,497,000 | 1,182 |
| Average total loans | $327,107,250 | 1,303 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7430% | 4,335 |
| Cost of funding earning assets | 1.3345% | 1,730 |
| Net interest margin | 3.4084% | 5,528 |
| Noninterest income to average assets | 0.0694% | 6,961 |
| Noninterest expense to average assets | 2.0101% | 6,769 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7382% | 3,344 |
| Return on assets (ROA) | 0.7379% | 3,469 |
| Pretax return on assets | 1.1184% | 2,776 |
| Return on Equity (ROE) | 6.5222% | 3,692 |
| Retained earnings to average equity (ytd only) | 1.1438% | 5,405 |
| Net charge-offs to loans | 0.7772% | 1,951 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.1717% | 3,759 |
| Efficiency ratio | 61.8696% | 5,601 |
| Assets per employee ($millions) | 5.0614% | 2,039 |
| Cash dividends to net income (ytd only)* | 82.4629% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7346% | 3,208 |
| Loan loss allowance to noncurrent loans | 573.5736% | 591 |
| Noncurrent assets plus other real estate owned to assets | 2.3905% | 2,763 |
| Noncurrent loans to loans | 0.3024% | 6,318 |
| Net loans and leases to total assets | 66.8079% | 2,859 |
| Net loans and leases to deposits | 84.5586% | 2,025 |
| Net loans and leases to core deposits | 88.9502% | 2,507 |
| Total domestic deposits to total assets | 79.0078% | 6,086 |
| Equity capital to assets | 11.5715% | 2,441 |
| Core capital (leverage) ratio | 9.5189% | 3,930 |
| Tier 1 risk-based capital ratio | 13.1032% | 4,836 |
| Total risk-based capital ratio | 14.3580% | 4,806 |
| Memoranda: | ||
| Average total assets | $493,013,670 | 1,362 |
| Average earning assets | $442,548,000 | 1,385 |
| Average equity | $55,779,000 | 1,199 |
| Average total loans | $326,820,670 | 1,319 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6629% | 4,685 |
| Cost of funding earning assets | 1.3752% | 1,743 |
| Net interest margin | 3.2877% | 5,822 |
| Noninterest income to average assets | 0.3448% | 5,157 |
| Noninterest expense to average assets | 1.9824% | 6,852 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8624% | 2,736 |
| Return on assets (ROA) | 0.8619% | 2,801 |
| Pretax return on assets | 1.3138% | 2,001 |
| Return on Equity (ROE) | 7.7039% | 3,044 |
| Retained earnings to average equity (ytd only) | 2.3040% | 4,772 |
| Net charge-offs to loans | 0.0160% | 4,857 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 125.5385% | 254 |
| Efficiency ratio | 57.9037% | 6,283 |
| Assets per employee ($millions) | 5.2153% | 1,879 |
| Cash dividends to net income (ytd only)* | 70.0935% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1605% | 2,054 |
| Loan loss allowance to noncurrent loans | 304.8429% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 2.7484% | 2,515 |
| Noncurrent loans to loans | 0.7087% | 5,597 |
| Net loans and leases to total assets | 63.8634% | 3,457 |
| Net loans and leases to deposits | 81.0928% | 2,508 |
| Net loans and leases to core deposits | 87.3380% | 2,695 |
| Total domestic deposits to total assets | 78.7535% | 6,248 |
| Equity capital to assets | 11.2478% | 2,462 |
| Core capital (leverage) ratio | 9.5260% | 3,763 |
| Tier 1 risk-based capital ratio | 13.3950% | 4,507 |
| Total risk-based capital ratio | 14.6548% | 4,481 |
| Memoranda: | ||
| Average total assets | $496,575,500 | 1,357 |
| Average earning assets | $445,903,500 | 1,385 |
| Average equity | $55,556,000 | 1,188 |
| Average total loans | $325,059,500 | 1,338 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0894% | 4,134 |
| Cost of funding earning assets | 1.5493% | 2,351 |
| Net interest margin | 3.5401% | 5,076 |
| Noninterest income to average assets | 0.2676% | 5,875 |
| Noninterest expense to average assets | 2.2030% | 6,601 |
| Loan and lease loss provision to assets | 0.4257% | 3,561 |
| Net operating income to assets | 0.5636% | 3,834 |
| Return on assets (ROA) | 0.6459% | 3,608 |
| Pretax return on assets | 0.9530% | 3,095 |
| Return on Equity (ROE) | 5.5483% | 3,817 |
| Retained earnings to average equity (ytd only) | 3.2624% | 3,584 |
| Net charge-offs to loans | 0.2905% | 4,565 |
| Credit loss provision to net charge-offs | 215.7497% | 1,403 |
| Earnings coverage of net charge-offs (x) | 6.3743% | 2,371 |
| Efficiency ratio | 61.4036% | 5,830 |
| Assets per employee ($millions) | 5.2389% | 1,816 |
| Cash dividends to net income (ytd only)* | 41.1997% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1425% | 1,978 |
| Loan loss allowance to noncurrent loans | 299.6575% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 2.7352% | 2,550 |
| Noncurrent loans to loans | 0.7150% | 5,617 |
| Net loans and leases to total assets | 64.2395% | 3,829 |
| Net loans and leases to deposits | 82.0433% | 2,791 |
| Net loans and leases to core deposits | 87.7945% | 3,079 |
| Total domestic deposits to total assets | 78.2996% | 6,255 |
| Equity capital to assets | 11.1281% | 2,570 |
| Core capital (leverage) ratio | 9.5920% | 3,568 |
| Tier 1 risk-based capital ratio | 13.3067% | 4,365 |
| Total risk-based capital ratio | 14.5664% | 4,323 |
| Memoranda: | ||
| Average total assets | $469,760,000 | 1,422 |
| Average earning assets | $423,742,200 | 1,429 |
| Average equity | $54,683,600 | 1,223 |
| Average total loans | $319,064,400 | 1,407 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2168% | 3,754 |
| Cost of funding earning assets | 1.5806% | 2,505 |
| Net interest margin | 3.6363% | 4,694 |
| Noninterest income to average assets | 0.2492% | 6,107 |
| Noninterest expense to average assets | 2.2412% | 6,490 |
| Loan and lease loss provision to assets | 0.5863% | 2,592 |
| Net operating income to assets | 0.4692% | 4,444 |
| Return on assets (ROA) | 0.5725% | 4,161 |
| Pretax return on assets | 0.8612% | 3,698 |
| Return on Equity (ROE) | 4.8603% | 4,361 |
| Retained earnings to average equity (ytd only) | 1.8027% | 5,060 |
| Net charge-offs to loans | 1.1653% | 1,751 |
| Credit loss provision to net charge-offs | 73.4127% | 5,327 |
| Earnings coverage of net charge-offs (x) | 1.6165% | 4,506 |
| Efficiency ratio | 61.2072% | 5,753 |
| Assets per employee ($millions) | 4.9134% | 2,305 |
| Cash dividends to net income (ytd only)* | 62.9090% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6401% | 3,370 |
| Loan loss allowance to noncurrent loans | 218.8950% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 2.9100% | 2,493 |
| Noncurrent loans to loans | 0.7493% | 5,705 |
| Net loans and leases to total assets | 65.9880% | 3,694 |
| Net loans and leases to deposits | 84.7719% | 2,560 |
| Net loans and leases to core deposits | 91.1619% | 2,928 |
| Total domestic deposits to total assets | 77.8418% | 6,287 |
| Equity capital to assets | 11.6654% | 2,390 |
| Core capital (leverage) ratio | 9.6426% | 3,689 |
| Tier 1 risk-based capital ratio | 13.3981% | 4,273 |
| Total risk-based capital ratio | 14.6522% | 4,237 |
| Memoranda: | ||
| Average total assets | $462,776,250 | 1,462 |
| Average earning assets | $417,817,500 | 1,474 |
| Average equity | $54,508,500 | 1,226 |
| Average total loans | $317,151,250 | 1,428 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2139% | 3,880 |
| Cost of funding earning assets | 1.5837% | 2,752 |
| Net interest margin | 3.6302% | 4,690 |
| Noninterest income to average assets | 0.3675% | 5,199 |
| Noninterest expense to average assets | 2.2475% | 6,516 |
| Loan and lease loss provision to assets | 0.3053% | 3,948 |
| Net operating income to assets | 0.7338% | 3,260 |
| Return on assets (ROA) | 0.7329% | 3,416 |
| Pretax return on assets | 1.0957% | 2,799 |
| Return on Equity (ROE) | 6.2021% | 3,695 |
| Retained earnings to average equity (ytd only) | 2.5213% | 4,550 |
| Net charge-offs to loans | 1.0473% | 1,788 |
| Credit loss provision to net charge-offs | 42.2383% | 5,570 |
| Earnings coverage of net charge-offs (x) | 1.9398% | 4,065 |
| Efficiency ratio | 59.3970% | 6,161 |
| Assets per employee ($millions) | 4.6832% | 2,608 |
| Cash dividends to net income (ytd only)* | 59.3472% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5534% | 3,657 |
| Loan loss allowance to noncurrent loans | 77.4158% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 3.5091% | 1,996 |
| Noncurrent loans to loans | 2.0065% | 3,706 |
| Net loans and leases to total assets | 68.5900% | 3,222 |
| Net loans and leases to deposits | 87.4134% | 2,275 |
| Net loans and leases to core deposits | 91.9018% | 3,007 |
| Total domestic deposits to total assets | 78.4662% | 6,154 |
| Equity capital to assets | 11.9329% | 2,136 |
| Core capital (leverage) ratio | 9.8199% | 3,374 |
| Tier 1 risk-based capital ratio | 13.4657% | 4,088 |
| Total risk-based capital ratio | 14.7190% | 4,052 |
| Memoranda: | ||
| Average total assets | $459,806,330 | 1,486 |
| Average earning assets | $415,735,330 | 1,489 |
| Average equity | $54,336,670 | 1,222 |
| Average total loans | $317,386,330 | 1,444 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1587% | 4,250 |
| Cost of funding earning assets | 1.5781% | 3,086 |
| Net interest margin | 3.5806% | 4,812 |
| Noninterest income to average assets | 0.3459% | 5,373 |
| Noninterest expense to average assets | 2.1007% | 6,940 |
| Loan and lease loss provision to assets | 0.0878% | 5,760 |
| Net operating income to assets | 0.9166% | 2,483 |
| Return on assets (ROA) | 0.9161% | 2,551 |
| Pretax return on assets | 1.3984% | 1,782 |
| Return on Equity (ROE) | 7.7898% | 2,983 |
| Retained earnings to average equity (ytd only) | 5.9421% | 2,643 |
| Net charge-offs to loans | 1.0133% | 1,626 |
| Credit loss provision to net charge-offs | 12.6092% | 5,022 |
| Earnings coverage of net charge-offs (x) | 2.1361% | 3,467 |
| Efficiency ratio | 56.3227% | 6,723 |
| Assets per employee ($millions) | 4.7832% | 2,530 |
| Cash dividends to net income (ytd only)* | 23.7192% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 3,254 |
| Loan loss allowance to noncurrent loans | 60.1981% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 3.3316% | 2,139 |
| Noncurrent loans to loans | 2.7389% | 2,911 |
| Net loans and leases to total assets | 68.6172% | 3,248 |
| Net loans and leases to deposits | 87.1635% | 2,383 |
| Net loans and leases to core deposits | 91.5492% | 3,163 |
| Total domestic deposits to total assets | 78.7224% | 6,145 |
| Equity capital to assets | 12.0110% | 2,037 |
| Core capital (leverage) ratio | 9.8461% | 3,343 |
| Tier 1 risk-based capital ratio | 13.6717% | 3,882 |
| Total risk-based capital ratio | 14.9262% | 3,831 |
| Memoranda: | ||
| Average total assets | $460,235,000 | 1,526 |
| Average earning assets | $416,694,500 | 1,525 |
| Average equity | $54,122,000 | 1,233 |
| Average total loans | $316,199,500 | 1,493 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4420% | 4,482 |
| Cost of funding earning assets | 1.8127% | 3,925 |
| Net interest margin | 3.6293% | 4,437 |
| Noninterest income to average assets | 0.3751% | 5,414 |
| Noninterest expense to average assets | 2.2181% | 6,945 |
| Loan and lease loss provision to assets | 0.6951% | 3,041 |
| Net operating income to assets | 0.5067% | 3,702 |
| Return on assets (ROA) | 0.6631% | 3,137 |
| Pretax return on assets | 0.9866% | 2,635 |
| Return on Equity (ROE) | 6.0886% | 3,174 |
| Retained earnings to average equity (ytd only) | 4.1365% | 2,322 |
| Net charge-offs to loans | 0.2824% | 4,865 |
| Credit loss provision to net charge-offs | 357.0115% | 900 |
| Earnings coverage of net charge-offs (x) | 7.4391% | 2,148 |
| Efficiency ratio | 58.2642% | 6,724 |
| Assets per employee ($millions) | 5.0659% | 2,131 |
| Cash dividends to net income (ytd only)* | 32.0621% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8794% | 2,315 |
| Loan loss allowance to noncurrent loans | 59.5978% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 3.5156% | 1,908 |
| Noncurrent loans to loans | 3.1534% | 2,432 |
| Net loans and leases to total assets | 66.3952% | 4,059 |
| Net loans and leases to deposits | 84.0213% | 3,268 |
| Net loans and leases to core deposits | 98.7588% | 4,142 |
| Total domestic deposits to total assets | 79.0219% | 5,972 |
| Equity capital to assets | 11.5146% | 2,308 |
| Core capital (leverage) ratio | 9.6228% | 3,561 |
| Tier 1 risk-based capital ratio | 13.3522% | 3,914 |
| Total risk-based capital ratio | 14.6094% | 3,855 |
| Memoranda: | ||
| Average total assets | $446,871,800 | 1,551 |
| Average earning assets | $405,258,000 | 1,562 |
| Average equity | $48,664,600 | 1,379 |
| Average total loans | $308,081,200 | 1,550 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5295% | 4,273 |
| Cost of funding earning assets | 1.8583% | 4,105 |
| Net interest margin | 3.6712% | 4,196 |
| Noninterest income to average assets | 0.3873% | 5,417 |
| Noninterest expense to average assets | 2.2668% | 6,796 |
| Loan and lease loss provision to assets | 0.9368% | 2,054 |
| Net operating income to assets | 0.3519% | 4,593 |
| Return on assets (ROA) | 0.5664% | 3,810 |
| Pretax return on assets | 0.8345% | 3,426 |
| Return on Equity (ROE) | 5.2810% | 3,846 |
| Retained earnings to average equity (ytd only) | 3.2422% | 3,501 |
| Net charge-offs to loans | 0.4589% | 3,393 |
| Credit loss provision to net charge-offs | 294.6869% | 1,405 |
| Earnings coverage of net charge-offs (x) | 4.5797% | 3,089 |
| Efficiency ratio | 58.6648% | 6,620 |
| Assets per employee ($millions) | 4.7689% | 2,444 |
| Cash dividends to net income (ytd only)* | 38.6048% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8598% | 2,134 |
| Loan loss allowance to noncurrent loans | 66.1407% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 3.4358% | 1,947 |
| Noncurrent loans to loans | 2.8119% | 2,698 |
| Net loans and leases to total assets | 67.6029% | 4,048 |
| Net loans and leases to deposits | 85.6858% | 3,382 |
| Net loans and leases to core deposits | 104.6609% | 3,858 |
| Total domestic deposits to total assets | 78.8963% | 5,838 |
| Equity capital to assets | 11.7828% | 2,372 |
| Core capital (leverage) ratio | 9.5560% | 3,837 |
| Tier 1 risk-based capital ratio | 13.2936% | 3,989 |
| Total risk-based capital ratio | 14.5506% | 3,933 |
| Memoranda: | ||
| Average total assets | $442,074,250 | 1,578 |
| Average earning assets | $401,639,750 | 1,595 |
| Average equity | $47,414,500 | 1,446 |
| Average total loans | $306,259,000 | 1,584 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5066% | 4,590 |
| Cost of funding earning assets | 1.8940% | 4,292 |
| Net interest margin | 3.6125% | 4,316 |
| Noninterest income to average assets | 0.3782% | 5,480 |
| Noninterest expense to average assets | 2.2795% | 6,821 |
| Loan and lease loss provision to assets | 0.5704% | 2,729 |
| Net operating income to assets | 0.5397% | 3,937 |
| Return on assets (ROA) | 0.8418% | 2,788 |
| Pretax return on assets | 1.2691% | 2,108 |
| Return on Equity (ROE) | 8.1206% | 2,720 |
| Retained earnings to average equity (ytd only) | 5.9282% | 2,058 |
| Net charge-offs to loans | 0.0164% | 6,299 |
| Credit loss provision to net charge-offs | 5,020.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 121.6000% | 317 |
| Efficiency ratio | 59.9876% | 6,558 |
| Assets per employee ($millions) | 4.8701% | 2,234 |
| Cash dividends to net income (ytd only)* | 26.9978% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5951% | 2,766 |
| Loan loss allowance to noncurrent loans | 39.8268% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 3.9172% | 1,534 |
| Noncurrent loans to loans | 4.0052% | 1,693 |
| Net loans and leases to total assets | 67.0273% | 4,355 |
| Net loans and leases to deposits | 82.4878% | 4,142 |
| Net loans and leases to core deposits | 100.7701% | 4,426 |
| Total domestic deposits to total assets | 81.2572% | 4,975 |
| Equity capital to assets | 10.0091% | 3,928 |
| Core capital (leverage) ratio | 8.0422% | 6,251 |
| Tier 1 risk-based capital ratio | 11.0376% | 5,841 |
| Total risk-based capital ratio | 12.2899% | 5,757 |
| Memoranda: | ||
| Average total assets | $440,005,330 | 1,610 |
| Average earning assets | $399,885,670 | 1,623 |
| Average equity | $45,612,670 | 1,509 |
| Average total loans | $305,414,000 | 1,618 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6770% | 3,913 |
| Cost of funding earning assets | 1.9357% | 4,463 |
| Net interest margin | 3.7413% | 3,704 |
| Noninterest income to average assets | 0.3423% | 5,716 |
| Noninterest expense to average assets | 2.1866% | 6,903 |
| Loan and lease loss provision to assets | 0.2316% | 4,134 |
| Net operating income to assets | 0.8759% | 2,817 |
| Return on assets (ROA) | 0.8746% | 2,970 |
| Pretax return on assets | 1.3193% | 2,214 |
| Return on Equity (ROE) | 8.2881% | 3,022 |
| Retained earnings to average equity (ytd only) | 4.7910% | 3,242 |
| Net charge-offs to loans | 0.0250% | 5,197 |
| Credit loss provision to net charge-offs | 1,321.0526% | 478 |
| Earnings coverage of net charge-offs (x) | 88.5789% | 484 |
| Efficiency ratio | 56.2053% | 6,946 |
| Assets per employee ($millions) | 4.7556% | 2,356 |
| Cash dividends to net income (ytd only)* | 42.1941% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 4,134 |
| Loan loss allowance to noncurrent loans | 67.6613% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 2.1181% | 2,724 |
| Noncurrent loans to loans | 1.9056% | 3,402 |
| Net loans and leases to total assets | 68.6460% | 3,990 |
| Net loans and leases to deposits | 85.2539% | 3,765 |
| Net loans and leases to core deposits | 105.0453% | 4,027 |
| Total domestic deposits to total assets | 80.5196% | 5,163 |
| Equity capital to assets | 10.4999% | 3,463 |
| Core capital (leverage) ratio | 8.1033% | 6,285 |
| Tier 1 risk-based capital ratio | 11.0035% | 5,910 |
| Total risk-based capital ratio | 12.2536% | 5,801 |
| Memoranda: | ||
| Average total assets | $433,548,000 | 1,641 |
| Average earning assets | $393,661,500 | 1,660 |
| Average equity | $45,752,500 | 1,510 |
| Average total loans | $303,870,500 | 1,645 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3329% | 3,768 |
| Cost of funding earning assets | 2.5711% | 3,844 |
| Net interest margin | 3.7618% | 4,175 |
| Noninterest income to average assets | 0.4616% | 4,953 |
| Noninterest expense to average assets | 2.2807% | 6,754 |
| Loan and lease loss provision to assets | 1.8702% | 667 |
| Net operating income to assets | -0.1619% | 6,575 |
| Return on assets (ROA) | -0.1633% | 6,419 |
| Pretax return on assets | -0.3000% | 6,464 |
| Return on Equity (ROE) | -1.5067% | 6,434 |
| Retained earnings to average equity (ytd only) | -6.6181% | 6,742 |
| Net charge-offs to loans | 2.4082% | 416 |
| Credit loss provision to net charge-offs | 109.9519% | 4,902 |
| Earnings coverage of net charge-offs (x) | 0.9244% | 5,672 |
| Efficiency ratio | 56.9679% | 6,879 |
| Assets per employee ($millions) | 4.6192% | 2,447 |
| Cash dividends to net income (ytd only)* | -339.2330% | 8,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 4,413 |
| Loan loss allowance to noncurrent loans | 63.5393% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 2.1598% | 2,266 |
| Noncurrent loans to loans | 1.9141% | 2,876 |
| Net loans and leases to total assets | 69.7867% | 4,060 |
| Net loans and leases to deposits | 88.2006% | 3,772 |
| Net loans and leases to core deposits | 108.0728% | 3,961 |
| Total domestic deposits to total assets | 79.1226% | 5,328 |
| Equity capital to assets | 10.6072% | 3,381 |
| Core capital (leverage) ratio | 8.2417% | 6,072 |
| Tier 1 risk-based capital ratio | 10.8582% | 5,856 |
| Total risk-based capital ratio | 12.0509% | 5,816 |
| Memoranda: | ||
| Average total assets | $415,312,600 | 1,642 |
| Average earning assets | $374,425,400 | 1,659 |
| Average equity | $44,998,000 | 1,503 |
| Average total loans | $293,325,400 | 1,647 |