Home > United Community Bank > Performance and Condition Ratios
United Community Bank, Performance and Condition Ratios
| 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 | 1.2099% | 5,393 |
| Cost of funding earning assets | 0.0651% | 5,348 |
| Net interest margin | 1.1448% | 5,390 |
| Noninterest income to average assets | 0.1081% | 5,127 |
| Noninterest expense to average assets | 0.8726% | 5,368 |
| Loan and lease loss provision to assets | 0.0711% | 2,711 |
| Net operating income to assets | 0.1725% | 5,129 |
| Return on assets (ROA) | 0.1725% | 5,123 |
| Pretax return on assets | 0.2280% | 5,099 |
| Return on Equity (ROE) | 1.5880% | 5,097 |
| Retained earnings to average equity (ytd only) | 1.5880% | 4,502 |
| Net charge-offs to loans | 0.0265% | 2,883 |
| Credit loss provision to net charge-offs | 334.2105% | 930 |
| Earnings coverage of net charge-offs (x) | 14.0526% | 2,401 |
| Efficiency ratio | 59.7992% | 3,892 |
| Assets per employee ($millions) | 5.6147% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0659% | 5,351 |
| Loan loss allowance to noncurrent loans | 21.8137% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 3,724 |
| Noncurrent loans to loans | 0.3022% | 3,474 |
| Net loans and leases to total assets | 72.8280% | 2,126 |
| Net loans and leases to deposits | 84.4425% | 2,468 |
| Net loans and leases to core deposits | 85.3392% | 2,969 |
| Total domestic deposits to total assets | 86.2456% | 2,113 |
| Equity capital to assets | 12.3129% | 1,693 |
| Core capital (leverage) ratio | 8.0833% | 5,213 |
| Tier 1 risk-based capital ratio | 9.9907% | 5,308 |
| Total risk-based capital ratio | 10.0664% | 5,384 |
| Memoranda: | ||
| Average total assets | $178,547,400 | 3,072 |
| Average earning assets | $165,882,200 | 3,067 |
| Average equity | $19,395,400 | 3,148 |
| Average total loans | $143,210,800 | 2,729 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 2,548 |
| Cost of funding earning assets | 0.3741% | 4,026 |
| Net interest margin | 4.0510% | 1,789 |
| Noninterest income to average assets | 0.5119% | 2,790 |
| Noninterest expense to average assets | 2.8813% | 2,366 |
| Loan and lease loss provision to assets | -0.5842% | 5,460 |
| Net operating income to assets | 1.4467% | 1,339 |
| Return on assets (ROA) | 1.4527% | 1,317 |
| Pretax return on assets | 2.0347% | 573 |
| Return on Equity (ROE) | 13.8574% | 1,161 |
| Retained earnings to average equity (ytd only) | -48.7203% | 5,463 |
| Net charge-offs to loans | -0.7114% | 5,422 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6318% | 2,766 |
| Assets per employee ($millions) | 4.9715% | 2,503 |
| Cash dividends to net income (ytd only)* | 451.5827% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 2,600 |
| Loan loss allowance to noncurrent loans | 571.3816% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 4,050 |
| Noncurrent loans to loans | 0.2107% | 3,955 |
| Net loans and leases to total assets | 84.3477% | 416 |
| Net loans and leases to deposits | 93.4280% | 1,442 |
| Net loans and leases to core deposits | 94.2588% | 2,263 |
| Total domestic deposits to total assets | 90.2810% | 418 |
| Equity capital to assets | 8.2684% | 5,048 |
| Core capital (leverage) ratio | 7.9964% | 5,318 |
| Tier 1 risk-based capital ratio | 9.7851% | 5,414 |
| Total risk-based capital ratio | 10.9952% | 5,388 |
| Memoranda: | ||
| Average total assets | $176,862,750 | 3,108 |
| Average earning assets | $166,441,000 | 3,084 |
| Average equity | $18,540,750 | 3,256 |
| Average total loans | $145,256,250 | 2,717 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3913% | 2,451 |
| Cost of funding earning assets | 0.3537% | 4,051 |
| Net interest margin | 4.0376% | 1,736 |
| Noninterest income to average assets | 0.6274% | 2,194 |
| Noninterest expense to average assets | 2.5675% | 3,421 |
| Loan and lease loss provision to assets | -0.2229% | 5,477 |
| Net operating income to assets | 1.4555% | 1,263 |
| Return on assets (ROA) | 1.4643% | 1,245 |
| Pretax return on assets | 2.0850% | 505 |
| Return on Equity (ROE) | 13.0992% | 1,341 |
| Retained earnings to average equity (ytd only) | -7.8555% | 5,377 |
| Net charge-offs to loans | -0.7392% | 5,472 |
| Credit loss provision to net charge-offs | 37.1747% | 2,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1084% | 4,213 |
| Assets per employee ($millions) | 5.0360% | 2,372 |
| Cash dividends to net income (ytd only)* | 159.9696% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 1,704 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 2,870 |
| Noncurrent loans to loans | 0.5658% | 2,722 |
| Net loans and leases to total assets | 82.0457% | 705 |
| Net loans and leases to deposits | 94.0175% | 1,358 |
| Net loans and leases to core deposits | 95.2718% | 2,128 |
| Total domestic deposits to total assets | 87.2665% | 1,735 |
| Equity capital to assets | 11.3345% | 2,327 |
| Core capital (leverage) ratio | 11.3693% | 2,186 |
| Tier 1 risk-based capital ratio | 13.6094% | 3,559 |
| Total risk-based capital ratio | 14.8607% | 3,465 |
| Memoranda: | ||
| Average total assets | $179,473,670 | 3,101 |
| Average earning assets | $168,514,000 | 3,082 |
| Average equity | $20,062,330 | 3,123 |
| Average total loans | $145,571,670 | 2,723 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0295% | 3,509 |
| Cost of funding earning assets | 0.3479% | 4,009 |
| Net interest margin | 3.6816% | 2,875 |
| Noninterest income to average assets | 0.8372% | 1,340 |
| Noninterest expense to average assets | 2.6110% | 3,307 |
| Loan and lease loss provision to assets | -0.4418% | 5,574 |
| Net operating income to assets | 1.6150% | 828 |
| Return on assets (ROA) | 1.6324% | 795 |
| Pretax return on assets | 2.1493% | 416 |
| Return on Equity (ROE) | 14.7032% | 857 |
| Retained earnings to average equity (ytd only) | -27.1183% | 5,544 |
| Net charge-offs to loans | -0.7696% | 5,527 |
| Credit loss provision to net charge-offs | 71.6846% | 1,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7712% | 3,976 |
| Assets per employee ($millions) | 5.1009% | 2,364 |
| Cash dividends to net income (ytd only)* | 284.4384% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 2,499 |
| Loan loss allowance to noncurrent loans | 198.1441% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 2,811 |
| Noncurrent loans to loans | 0.6324% | 2,650 |
| Net loans and leases to total assets | 80.1083% | 918 |
| Net loans and leases to deposits | 91.2222% | 1,531 |
| Net loans and leases to core deposits | 92.6373% | 2,248 |
| Total domestic deposits to total assets | 87.8167% | 1,718 |
| Equity capital to assets | 10.8709% | 2,703 |
| Core capital (leverage) ratio | 10.6135% | 2,836 |
| Tier 1 risk-based capital ratio | 13.1851% | 3,861 |
| Total risk-based capital ratio | 14.4149% | 3,770 |
| Memoranda: | ||
| Average total assets | $181,081,000 | 3,117 |
| Average earning assets | $170,144,500 | 3,092 |
| Average equity | $20,104,500 | 3,147 |
| Average total loans | $145,013,500 | 2,744 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1169% | 2,999 |
| Cost of funding earning assets | 0.2956% | 4,182 |
| Net interest margin | 3.8212% | 2,349 |
| Noninterest income to average assets | 0.4838% | 3,104 |
| Noninterest expense to average assets | 2.3055% | 4,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1510% | 1,678 |
| Return on assets (ROA) | 1.1510% | 1,710 |
| Pretax return on assets | 1.7653% | 866 |
| Return on Equity (ROE) | 10.1366% | 1,828 |
| Retained earnings to average equity (ytd only) | 1.5556% | 4,375 |
| Net charge-offs to loans | 0.0771% | 2,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 27.9099% | 1,620 |
| Efficiency ratio | 56.6349% | 4,699 |
| Assets per employee ($millions) | 5.7384% | 1,725 |
| Cash dividends to net income (ytd only)* | 84.6535% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 2,815 |
| Loan loss allowance to noncurrent loans | 183.5095% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 2,576 |
| Noncurrent loans to loans | 0.6515% | 2,590 |
| Net loans and leases to total assets | 78.1229% | 1,275 |
| Net loans and leases to deposits | 89.4638% | 1,841 |
| Net loans and leases to core deposits | 90.8237% | 2,482 |
| Total domestic deposits to total assets | 87.3234% | 1,852 |
| Equity capital to assets | 11.3277% | 2,342 |
| Core capital (leverage) ratio | 11.8865% | 1,674 |
| Tier 1 risk-based capital ratio | 14.0244% | 3,348 |
| Total risk-based capital ratio | 15.1937% | 3,299 |
| Memoranda: | ||
| Average total assets | $175,494,600 | 3,170 |
| Average earning assets | $164,737,200 | 3,144 |
| Average equity | $19,927,800 | 3,155 |
| Average total loans | $143,920,000 | 2,720 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 2,872 |
| Cost of funding earning assets | 0.2976% | 4,158 |
| Net interest margin | 3.8333% | 2,274 |
| Noninterest income to average assets | 0.4635% | 3,255 |
| Noninterest expense to average assets | 2.3059% | 4,287 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1491% | 1,884 |
| Return on assets (ROA) | 1.1491% | 1,935 |
| Pretax return on assets | 1.7617% | 976 |
| Return on Equity (ROE) | 10.1133% | 2,080 |
| Retained earnings to average equity (ytd only) | -1.4544% | 5,387 |
| Net charge-offs to loans | -0.3268% | 5,615 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6893% | 4,647 |
| Assets per employee ($millions) | 5.3979% | 2,021 |
| Cash dividends to net income (ytd only)* | 114.3813% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 1,442 |
| Loan loss allowance to noncurrent loans | 446.0446% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 3,555 |
| Noncurrent loans to loans | 0.3425% | 3,716 |
| Net loans and leases to total assets | 82.0602% | 677 |
| Net loans and leases to deposits | 94.3131% | 1,267 |
| Net loans and leases to core deposits | 96.0794% | 2,064 |
| Total domestic deposits to total assets | 87.0083% | 1,873 |
| Equity capital to assets | 11.6029% | 2,276 |
| Core capital (leverage) ratio | 11.5242% | 1,999 |
| Tier 1 risk-based capital ratio | 13.6937% | 3,581 |
| Total risk-based capital ratio | 14.9466% | 3,512 |
| Memoranda: | ||
| Average total assets | $173,460,750 | 3,224 |
| Average earning assets | $163,092,750 | 3,191 |
| Average equity | $19,709,500 | 3,197 |
| Average total loans | $143,601,750 | 2,746 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 2,824 |
| Cost of funding earning assets | 0.2892% | 4,193 |
| Net interest margin | 3.8126% | 2,241 |
| Noninterest income to average assets | 0.4744% | 3,184 |
| Noninterest expense to average assets | 2.3074% | 4,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1414% | 1,819 |
| Return on assets (ROA) | 1.1422% | 1,869 |
| Pretax return on assets | 1.7501% | 944 |
| Return on Equity (ROE) | 10.1231% | 1,977 |
| Retained earnings to average equity (ytd only) | -7.3270% | 5,596 |
| Net charge-offs to loans | -0.3150% | 5,649 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8833% | 4,725 |
| Assets per employee ($millions) | 5.0854% | 2,293 |
| Cash dividends to net income (ytd only)* | 172.3790% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 1,918 |
| Loan loss allowance to noncurrent loans | 353.1516% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 3,386 |
| Noncurrent loans to loans | 0.3987% | 3,599 |
| Net loans and leases to total assets | 83.9533% | 450 |
| Net loans and leases to deposits | 100.1490% | 725 |
| Net loans and leases to core deposits | 102.0902% | 1,503 |
| Total domestic deposits to total assets | 83.8284% | 3,272 |
| Equity capital to assets | 11.3006% | 2,497 |
| Core capital (leverage) ratio | 11.4379% | 2,012 |
| Tier 1 risk-based capital ratio | 12.9997% | 3,996 |
| Total risk-based capital ratio | 14.2510% | 3,914 |
| Memoranda: | ||
| Average total assets | $173,703,330 | 3,244 |
| Average earning assets | $163,194,330 | 3,195 |
| Average equity | $19,598,670 | 3,200 |
| Average total loans | $143,487,670 | 2,750 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0796% | 2,727 |
| Cost of funding earning assets | 0.2944% | 4,105 |
| Net interest margin | 3.7852% | 2,165 |
| Noninterest income to average assets | 0.5215% | 2,830 |
| Noninterest expense to average assets | 2.2676% | 4,489 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1671% | 1,604 |
| Return on assets (ROA) | 1.1671% | 1,647 |
| Pretax return on assets | 1.7989% | 807 |
| Return on Equity (ROE) | 10.3523% | 1,800 |
| Retained earnings to average equity (ytd only) | -24.4950% | 5,768 |
| Net charge-offs to loans | -0.4237% | 5,726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7627% | 4,956 |
| Assets per employee ($millions) | 5.0232% | 2,414 |
| Cash dividends to net income (ytd only)* | 336.6142% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 2,097 |
| Loan loss allowance to noncurrent loans | 376.0829% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.4040% | 3,578 |
| Noncurrent loans to loans | 0.3711% | 3,765 |
| Net loans and leases to total assets | 82.6195% | 500 |
| Net loans and leases to deposits | 94.4687% | 1,069 |
| Net loans and leases to core deposits | 96.0780% | 1,815 |
| Total domestic deposits to total assets | 87.4570% | 2,010 |
| Equity capital to assets | 11.1506% | 2,475 |
| Core capital (leverage) ratio | 10.7594% | 2,633 |
| Tier 1 risk-based capital ratio | 13.0352% | 4,054 |
| Total risk-based capital ratio | 14.2868% | 3,959 |
| Memoranda: | ||
| Average total assets | $174,104,000 | 3,268 |
| Average earning assets | $163,055,000 | 3,231 |
| Average equity | $19,628,500 | 3,212 |
| Average total loans | $141,616,500 | 2,793 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0705% | 2,953 |
| Cost of funding earning assets | 0.2775% | 4,279 |
| Net interest margin | 3.7930% | 2,343 |
| Noninterest income to average assets | 0.5699% | 2,820 |
| Noninterest expense to average assets | 2.4425% | 4,181 |
| Loan and lease loss provision to assets | -0.5105% | 5,876 |
| Net operating income to assets | 1.4221% | 968 |
| Return on assets (ROA) | 1.4221% | 992 |
| Pretax return on assets | 2.1758% | 345 |
| Return on Equity (ROE) | 11.9487% | 1,261 |
| Retained earnings to average equity (ytd only) | 3.3101% | 3,561 |
| Net charge-offs to loans | 0.0307% | 3,407 |
| Credit loss provision to net charge-offs | -2,073.1707% | 5,386 |
| Earnings coverage of net charge-offs (x) | 67.6341% | 816 |
| Efficiency ratio | 59.4591% | 4,668 |
| Assets per employee ($millions) | 5.3763% | 1,979 |
| Cash dividends to net income (ytd only)* | 72.2973% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3181% | 2,442 |
| Loan loss allowance to noncurrent loans | 277.7444% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.4966% | 3,272 |
| Noncurrent loans to loans | 0.4746% | 3,449 |
| Net loans and leases to total assets | 77.9420% | 1,204 |
| Net loans and leases to deposits | 89.3261% | 1,759 |
| Net loans and leases to core deposits | 90.7959% | 2,427 |
| Total domestic deposits to total assets | 87.2556% | 1,999 |
| Equity capital to assets | 11.3928% | 2,250 |
| Core capital (leverage) ratio | 12.0691% | 1,560 |
| Tier 1 risk-based capital ratio | 13.6817% | 3,658 |
| Total risk-based capital ratio | 14.9302% | 3,567 |
| Memoranda: | ||
| Average total assets | $166,511,600 | 3,325 |
| Average earning assets | $155,314,200 | 3,311 |
| Average equity | $19,818,000 | 3,188 |
| Average total loans | $133,753,800 | 2,867 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1328% | 2,750 |
| Cost of funding earning assets | 0.2798% | 4,295 |
| Net interest margin | 3.8531% | 2,149 |
| Noninterest income to average assets | 0.5780% | 2,775 |
| Noninterest expense to average assets | 2.4772% | 4,056 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1291% | 1,879 |
| Return on assets (ROA) | 1.1291% | 1,995 |
| Pretax return on assets | 1.6997% | 1,116 |
| Return on Equity (ROE) | 9.3781% | 2,315 |
| Retained earnings to average equity (ytd only) | 0.8452% | 5,129 |
| Net charge-offs to loans | -0.0494% | 5,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3062% | 4,648 |
| Assets per employee ($millions) | 4.8695% | 2,542 |
| Cash dividends to net income (ytd only)* | 90.9874% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0898% | 614 |
| Loan loss allowance to noncurrent loans | 355.4847% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.5696% | 3,197 |
| Noncurrent loans to loans | 0.5879% | 3,245 |
| Net loans and leases to total assets | 78.8659% | 1,060 |
| Net loans and leases to deposits | 91.0182% | 1,629 |
| Net loans and leases to core deposits | 92.4626% | 2,334 |
| Total domestic deposits to total assets | 86.6485% | 2,057 |
| Equity capital to assets | 11.9236% | 2,169 |
| Core capital (leverage) ratio | 12.0002% | 1,677 |
| Tier 1 risk-based capital ratio | 14.2918% | 3,403 |
| Total risk-based capital ratio | 15.5515% | 3,326 |
| Memoranda: | ||
| Average total assets | $163,784,750 | 3,373 |
| Average earning assets | $152,982,500 | 3,354 |
| Average equity | $19,719,250 | 3,219 |
| Average total loans | $132,159,500 | 2,900 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1858% | 2,559 |
| Cost of funding earning assets | 0.2799% | 4,345 |
| Net interest margin | 3.9059% | 1,964 |
| Noninterest income to average assets | 0.5466% | 2,921 |
| Noninterest expense to average assets | 2.4499% | 4,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1545% | 1,756 |
| Return on assets (ROA) | 1.1545% | 1,870 |
| Pretax return on assets | 1.7391% | 1,004 |
| Return on Equity (ROE) | 9.5576% | 2,250 |
| Retained earnings to average equity (ytd only) | 1.6843% | 4,710 |
| Net charge-offs to loans | 0.0364% | 2,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 59.1250% | 893 |
| Efficiency ratio | 58.4845% | 4,836 |
| Assets per employee ($millions) | 4.4117% | 3,195 |
| Cash dividends to net income (ytd only)* | 82.3779% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0216% | 705 |
| Loan loss allowance to noncurrent loans | 333.4152% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.5961% | 3,228 |
| Noncurrent loans to loans | 0.6063% | 3,250 |
| Net loans and leases to total assets | 80.5810% | 816 |
| Net loans and leases to deposits | 94.5410% | 1,233 |
| Net loans and leases to core deposits | 96.0832% | 1,970 |
| Total domestic deposits to total assets | 85.2339% | 2,768 |
| Equity capital to assets | 12.1287% | 2,033 |
| Core capital (leverage) ratio | 12.2369% | 1,500 |
| Tier 1 risk-based capital ratio | 14.5990% | 3,258 |
| Total risk-based capital ratio | 15.8587% | 3,190 |
| Memoranda: | ||
| Average total assets | $163,192,330 | 3,397 |
| Average earning assets | $152,180,330 | 3,381 |
| Average equity | $19,712,000 | 3,232 |
| Average total loans | $131,759,670 | 2,906 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1471% | 2,662 |
| Cost of funding earning assets | 0.2868% | 4,311 |
| Net interest margin | 3.8603% | 2,069 |
| Noninterest income to average assets | 0.5491% | 2,810 |
| Noninterest expense to average assets | 2.4465% | 4,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1301% | 1,791 |
| Return on assets (ROA) | 1.1301% | 1,900 |
| Pretax return on assets | 1.6988% | 1,073 |
| Return on Equity (ROE) | 9.3752% | 2,253 |
| Retained earnings to average equity (ytd only) | 2.9285% | 4,050 |
| Net charge-offs to loans | -0.0889% | 5,585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0183% | 4,871 |
| Assets per employee ($millions) | 4.3308% | 3,360 |
| Cash dividends to net income (ytd only)* | 68.7636% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0971% | 687 |
| Loan loss allowance to noncurrent loans | 325.5294% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.6696% | 3,050 |
| Noncurrent loans to loans | 0.6442% | 3,240 |
| Net loans and leases to total assets | 80.6133% | 728 |
| Net loans and leases to deposits | 92.0882% | 1,339 |
| Net loans and leases to core deposits | 93.5772% | 2,040 |
| Total domestic deposits to total assets | 87.5392% | 1,905 |
| Equity capital to assets | 12.3291% | 1,801 |
| Core capital (leverage) ratio | 11.9201% | 1,663 |
| Tier 1 risk-based capital ratio | 14.9075% | 3,199 |
| Total risk-based capital ratio | 16.1673% | 3,135 |
| Memoranda: | ||
| Average total assets | $163,172,500 | 3,414 |
| Average earning assets | $152,009,500 | 3,393 |
| Average equity | $19,669,000 | 3,238 |
| Average total loans | $130,515,500 | 2,927 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9252% | 3,617 |
| Cost of funding earning assets | 0.3219% | 4,006 |
| Net interest margin | 3.6032% | 3,124 |
| Noninterest income to average assets | 0.6511% | 2,454 |
| Noninterest expense to average assets | 2.8266% | 3,121 |
| Loan and lease loss provision to assets | -0.8977% | 6,170 |
| Net operating income to assets | 1.3653% | 1,112 |
| Return on assets (ROA) | 1.3795% | 1,121 |
| Pretax return on assets | 2.0929% | 442 |
| Return on Equity (ROE) | 10.9455% | 1,636 |
| Retained earnings to average equity (ytd only) | -0.9260% | 5,644 |
| Net charge-offs to loans | -0.0937% | 5,754 |
| Credit loss provision to net charge-offs | 1,304.3478% | 259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6613% | 3,117 |
| Assets per employee ($millions) | 4.4894% | 3,064 |
| Cash dividends to net income (ytd only)* | 108.4599% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1210% | 669 |
| Loan loss allowance to noncurrent loans | 327.1207% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.6381% | 3,150 |
| Noncurrent loans to loans | 0.6484% | 3,237 |
| Net loans and leases to total assets | 76.0671% | 1,405 |
| Net loans and leases to deposits | 87.8958% | 1,886 |
| Net loans and leases to core deposits | 89.0913% | 2,490 |
| Total domestic deposits to total assets | 86.5423% | 2,357 |
| Equity capital to assets | 11.7889% | 2,118 |
| Core capital (leverage) ratio | 11.7057% | 1,814 |
| Tier 1 risk-based capital ratio | 15.0639% | 3,150 |
| Total risk-based capital ratio | 16.3247% | 3,076 |
| Memoranda: | ||
| Average total assets | $167,091,000 | 3,352 |
| Average earning assets | $155,304,800 | 3,328 |
| Average equity | $21,058,800 | 3,067 |
| Average total loans | $122,721,000 | 3,012 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7199% | 4,363 |
| Cost of funding earning assets | 0.3611% | 3,640 |
| Net interest margin | 3.3588% | 4,110 |
| Noninterest income to average assets | 0.7482% | 2,033 |
| Noninterest expense to average assets | 2.6070% | 3,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9113% | 2,907 |
| Return on assets (ROA) | 0.9463% | 2,831 |
| Pretax return on assets | 1.3687% | 2,138 |
| Return on Equity (ROE) | 9.4251% | 2,336 |
| Retained earnings to average equity (ytd only) | 9.4251% | 756 |
| Net charge-offs to loans | 0.0038% | 4,049 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 504.8577% | 139 |
| Efficiency ratio | 66.4231% | 3,816 |
| Assets per employee ($millions) | 4.0364% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 4,195 |
| Loan loss allowance to noncurrent loans | 1,642.0000% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 5,218 |
| Noncurrent loans to loans | 0.0673% | 5,346 |
| Net loans and leases to total assets | 72.8025% | 1,938 |
| Net loans and leases to deposits | 83.5599% | 2,450 |
| Net loans and leases to core deposits | 85.1847% | 2,934 |
| Total domestic deposits to total assets | 87.1262% | 1,968 |
| Equity capital to assets | 10.5450% | 3,557 |
| Core capital (leverage) ratio | 10.4620% | 3,084 |
| Tier 1 risk-based capital ratio | 14.4033% | 3,627 |
| Total risk-based capital ratio | 15.5161% | 3,624 |
| Memoranda: | ||
| Average total assets | $102,285,750 | 4,463 |
| Average earning assets | $96,739,250 | 4,417 |
| Average equity | $10,270,250 | 4,661 |
| Average total loans | $71,057,500 | 4,108 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6715% | 4,498 |
| Cost of funding earning assets | 0.3647% | 3,652 |
| Net interest margin | 3.3068% | 4,277 |
| Noninterest income to average assets | 0.7747% | 1,901 |
| Noninterest expense to average assets | 2.5909% | 3,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9034% | 2,862 |
| Return on assets (ROA) | 0.9558% | 2,717 |
| Pretax return on assets | 1.3840% | 2,050 |
| Return on Equity (ROE) | 9.6781% | 2,216 |
| Retained earnings to average equity (ytd only) | 9.6781% | 733 |
| Net charge-offs to loans | -0.0086% | 4,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4503% | 3,936 |
| Assets per employee ($millions) | 4.0442% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 4,315 |
| Loan loss allowance to noncurrent loans | 1,685.7143% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 5,323 |
| Noncurrent loans to loans | 0.0653% | 5,473 |
| Net loans and leases to total assets | 73.4076% | 1,754 |
| Net loans and leases to deposits | 83.8802% | 2,325 |
| Net loans and leases to core deposits | 86.1978% | 2,748 |
| Total domestic deposits to total assets | 87.5148% | 1,896 |
| Equity capital to assets | 10.2706% | 3,721 |
| Core capital (leverage) ratio | 10.1986% | 3,340 |
| Tier 1 risk-based capital ratio | 14.5528% | 3,605 |
| Total risk-based capital ratio | 15.7096% | 3,585 |
| Memoranda: | ||
| Average total assets | $102,744,330 | 4,499 |
| Average earning assets | $97,072,000 | 4,443 |
| Average equity | $10,146,670 | 4,715 |
| Average total loans | $69,981,330 | 4,160 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5774% | 4,758 |
| Cost of funding earning assets | 0.3688% | 3,661 |
| Net interest margin | 3.2086% | 4,581 |
| Noninterest income to average assets | 0.7261% | 2,040 |
| Noninterest expense to average assets | 2.6264% | 3,838 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7956% | 3,282 |
| Return on assets (ROA) | 0.7956% | 3,413 |
| Pretax return on assets | 1.1239% | 2,977 |
| Return on Equity (ROE) | 8.2170% | 2,845 |
| Retained earnings to average equity (ytd only) | 8.2170% | 1,485 |
| Net charge-offs to loans | -0.0119% | 4,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0309% | 3,483 |
| Assets per employee ($millions) | 4.2315% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 4,031 |
| Loan loss allowance to noncurrent loans | 1,755.3191% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.5879% | 3,716 |
| Noncurrent loans to loans | 0.0679% | 5,502 |
| Net loans and leases to total assets | 67.3793% | 2,549 |
| Net loans and leases to deposits | 77.2584% | 2,918 |
| Net loans and leases to core deposits | 79.3854% | 3,237 |
| Total domestic deposits to total assets | 87.2128% | 2,261 |
| Equity capital to assets | 9.9897% | 4,162 |
| Core capital (leverage) ratio | 9.6538% | 4,070 |
| Tier 1 risk-based capital ratio | 14.1725% | 3,899 |
| Total risk-based capital ratio | 15.3296% | 3,884 |
| Memoranda: | ||
| Average total assets | $103,564,500 | 4,511 |
| Average earning assets | $97,612,000 | 4,470 |
| Average equity | $10,028,000 | 4,773 |
| Average total loans | $67,450,000 | 4,254 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6405% | 4,965 |
| Cost of funding earning assets | 0.4343% | 3,339 |
| Net interest margin | 3.2061% | 4,895 |
| Noninterest income to average assets | 0.7529% | 2,063 |
| Noninterest expense to average assets | 2.6003% | 4,218 |
| Loan and lease loss provision to assets | 0.0679% | 3,127 |
| Net operating income to assets | 0.7834% | 3,451 |
| Return on assets (ROA) | 0.7834% | 3,541 |
| Pretax return on assets | 1.0925% | 3,113 |
| Return on Equity (ROE) | 8.3795% | 2,926 |
| Retained earnings to average equity (ytd only) | 8.3795% | 881 |
| Net charge-offs to loans | 0.3101% | 1,416 |
| Credit loss provision to net charge-offs | 35.2041% | 3,769 |
| Earnings coverage of net charge-offs (x) | 6.0153% | 3,291 |
| Efficiency ratio | 69.1442% | 3,679 |
| Assets per employee ($millions) | 4.2230% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 3,703 |
| Loan loss allowance to noncurrent loans | 9,144.4444% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.5295% | 4,033 |
| Noncurrent loans to loans | 0.0137% | 5,854 |
| Net loans and leases to total assets | 61.4024% | 3,588 |
| Net loans and leases to deposits | 69.4043% | 3,985 |
| Net loans and leases to core deposits | 71.1042% | 4,209 |
| Total domestic deposits to total assets | 88.4706% | 1,536 |
| Equity capital to assets | 9.3877% | 4,860 |
| Core capital (leverage) ratio | 9.8762% | 3,741 |
| Tier 1 risk-based capital ratio | 15.0148% | 3,480 |
| Total risk-based capital ratio | 16.2641% | 3,418 |
| Memoranda: | ||
| Average total assets | $101,602,400 | 4,559 |
| Average earning assets | $95,317,400 | 4,524 |
| Average equity | $9,499,400 | 4,864 |
| Average total loans | $63,208,400 | 4,389 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6728% | 4,929 |
| Cost of funding earning assets | 0.4535% | 3,203 |
| Net interest margin | 3.2194% | 4,896 |
| Noninterest income to average assets | 0.7978% | 1,903 |
| Noninterest expense to average assets | 2.6783% | 3,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8137% | 3,369 |
| Return on assets (ROA) | 0.8137% | 3,462 |
| Pretax return on assets | 1.1397% | 3,033 |
| Return on Equity (ROE) | 8.7123% | 2,833 |
| Retained earnings to average equity (ytd only) | 8.7123% | 1,091 |
| Net charge-offs to loans | 0.4388% | 898 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.1748% | 3,521 |
| Efficiency ratio | 70.1493% | 3,484 |
| Assets per employee ($millions) | 4.1615% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 4,300 |
| Loan loss allowance to noncurrent loans | 123.1788% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 1.1554% | 2,637 |
| Noncurrent loans to loans | 0.9634% | 3,154 |
| Net loans and leases to total assets | 62.0295% | 3,480 |
| Net loans and leases to deposits | 70.6320% | 3,844 |
| Net loans and leases to core deposits | 72.5272% | 4,099 |
| Total domestic deposits to total assets | 87.8208% | 1,853 |
| Equity capital to assets | 9.7512% | 4,484 |
| Core capital (leverage) ratio | 9.7559% | 3,988 |
| Tier 1 risk-based capital ratio | 15.1870% | 3,481 |
| Total risk-based capital ratio | 16.3497% | 3,472 |
| Memoranda: | ||
| Average total assets | $100,609,500 | 4,630 |
| Average earning assets | $94,384,000 | 4,591 |
| Average equity | $9,396,500 | 4,924 |
| Average total loans | $62,598,500 | 4,440 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6632% | 4,967 |
| Cost of funding earning assets | 0.4807% | 3,019 |
| Net interest margin | 3.1825% | 4,998 |
| Noninterest income to average assets | 0.7159% | 2,204 |
| Noninterest expense to average assets | 2.6652% | 3,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7436% | 3,601 |
| Return on assets (ROA) | 0.7436% | 3,704 |
| Pretax return on assets | 1.0312% | 3,353 |
| Return on Equity (ROE) | 8.0799% | 3,046 |
| Retained earnings to average equity (ytd only) | 8.0799% | 1,298 |
| Net charge-offs to loans | 0.5466% | 747 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.0409% | 3,404 |
| Efficiency ratio | 72.1030% | 3,313 |
| Assets per employee ($millions) | 4.2423% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 4,233 |
| Loan loss allowance to noncurrent loans | 115.4074% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.3067% | 2,498 |
| Noncurrent loans to loans | 1.0718% | 3,086 |
| Net loans and leases to total assets | 63.7498% | 3,111 |
| Net loans and leases to deposits | 72.5701% | 3,493 |
| Net loans and leases to core deposits | 74.5604% | 3,777 |
| Total domestic deposits to total assets | 87.8459% | 2,002 |
| Equity capital to assets | 9.7446% | 4,435 |
| Core capital (leverage) ratio | 9.5836% | 4,202 |
| Tier 1 risk-based capital ratio | 14.5415% | 3,899 |
| Total risk-based capital ratio | 15.7365% | 3,880 |
| Memoranda: | ||
| Average total assets | $100,854,330 | 4,666 |
| Average earning assets | $94,454,000 | 4,629 |
| Average equity | $9,282,330 | 4,967 |
| Average total loans | $62,566,000 | 4,467 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6111% | 5,138 |
| Cost of funding earning assets | 0.5212% | 2,700 |
| Net interest margin | 3.0899% | 5,288 |
| Noninterest income to average assets | 0.7103% | 2,124 |
| Noninterest expense to average assets | 2.6538% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6908% | 3,735 |
| Return on assets (ROA) | 0.6908% | 3,812 |
| Pretax return on assets | 0.9483% | 3,528 |
| Return on Equity (ROE) | 7.7212% | 3,078 |
| Retained earnings to average equity (ytd only) | 7.7212% | 1,712 |
| Net charge-offs to loans | -0.0064% | 4,884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6728% | 3,205 |
| Assets per employee ($millions) | 4.7890% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 2,932 |
| Loan loss allowance to noncurrent loans | 100.2107% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.4617% | 2,428 |
| Noncurrent loans to loans | 1.5464% | 2,492 |
| Net loans and leases to total assets | 60.0746% | 3,554 |
| Net loans and leases to deposits | 67.8683% | 3,868 |
| Net loans and leases to core deposits | 69.6538% | 4,136 |
| Total domestic deposits to total assets | 88.5165% | 1,927 |
| Equity capital to assets | 9.2194% | 4,853 |
| Core capital (leverage) ratio | 8.7957% | 5,269 |
| Tier 1 risk-based capital ratio | 14.7521% | 3,851 |
| Total risk-based capital ratio | 16.0046% | 3,796 |
| Memoranda: | ||
| Average total assets | $102,495,500 | 4,671 |
| Average earning assets | $95,925,500 | 4,632 |
| Average equity | $9,169,500 | 5,007 |
| Average total loans | $62,358,500 | 4,513 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8611% | 4,605 |
| Cost of funding earning assets | 0.5438% | 3,166 |
| Net interest margin | 3.3173% | 4,600 |
| Noninterest income to average assets | 0.8339% | 1,921 |
| Noninterest expense to average assets | 2.6564% | 4,258 |
| Loan and lease loss provision to assets | 0.1364% | 2,597 |
| Net operating income to assets | 0.8033% | 3,277 |
| Return on assets (ROA) | 0.8033% | 3,375 |
| Pretax return on assets | 1.1220% | 2,876 |
| Return on Equity (ROE) | 8.9292% | 2,573 |
| Retained earnings to average equity (ytd only) | 7.2316% | 1,346 |
| Net charge-offs to loans | 0.3507% | 1,927 |
| Credit loss provision to net charge-offs | 62.6168% | 3,487 |
| Earnings coverage of net charge-offs (x) | 5.7757% | 3,219 |
| Efficiency ratio | 67.8544% | 4,221 |
| Assets per employee ($millions) | 4.7464% | 2,518 |
| Cash dividends to net income (ytd only)* | 19.0114% | 3,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 3,196 |
| Loan loss allowance to noncurrent loans | 84.2199% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.6414% | 2,254 |
| Noncurrent loans to loans | 1.7806% | 2,258 |
| Net loans and leases to total assets | 59.7571% | 3,761 |
| Net loans and leases to deposits | 66.9992% | 4,181 |
| Net loans and leases to core deposits | 68.6903% | 4,429 |
| Total domestic deposits to total assets | 89.1909% | 1,494 |
| Equity capital to assets | 8.6831% | 5,392 |
| Core capital (leverage) ratio | 9.2074% | 4,712 |
| Tier 1 risk-based capital ratio | 14.0492% | 4,266 |
| Total risk-based capital ratio | 15.3022% | 4,204 |
| Memoranda: | ||
| Average total assets | $98,216,400 | 4,788 |
| Average earning assets | $91,218,000 | 4,740 |
| Average equity | $8,836,200 | 5,128 |
| Average total loans | $61,016,200 | 4,579 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8947% | 4,521 |
| Cost of funding earning assets | 0.5526% | 3,235 |
| Net interest margin | 3.3422% | 4,491 |
| Noninterest income to average assets | 0.8993% | 1,759 |
| Noninterest expense to average assets | 2.6882% | 4,064 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9269% | 2,705 |
| Return on assets (ROA) | 0.9269% | 2,817 |
| Pretax return on assets | 1.3145% | 2,283 |
| Return on Equity (ROE) | 10.2065% | 2,104 |
| Retained earnings to average equity (ytd only) | 7.9282% | 1,437 |
| Net charge-offs to loans | 0.1456% | 3,091 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 14.4390% | 1,946 |
| Efficiency ratio | 67.1606% | 4,269 |
| Assets per employee ($millions) | 4.3935% | 3,064 |
| Cash dividends to net income (ytd only)* | 22.3219% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5647% | 3,165 |
| Loan loss allowance to noncurrent loans | 71.7262% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 2.0009% | 2,021 |
| Noncurrent loans to loans | 2.1814% | 2,030 |
| Net loans and leases to total assets | 62.7439% | 3,211 |
| Net loans and leases to deposits | 71.1469% | 3,620 |
| Net loans and leases to core deposits | 73.1083% | 3,960 |
| Total domestic deposits to total assets | 88.1893% | 2,007 |
| Equity capital to assets | 9.2688% | 4,837 |
| Core capital (leverage) ratio | 9.1939% | 4,841 |
| Tier 1 risk-based capital ratio | 14.2551% | 4,250 |
| Total risk-based capital ratio | 15.5082% | 4,194 |
| Memoranda: | ||
| Average total assets | $96,665,250 | 4,861 |
| Average earning assets | $89,760,000 | 4,817 |
| Average equity | $8,778,500 | 5,194 |
| Average total loans | $60,433,000 | 4,644 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8763% | 4,560 |
| Cost of funding earning assets | 0.5608% | 3,299 |
| Net interest margin | 3.3155% | 4,509 |
| Noninterest income to average assets | 0.9683% | 1,607 |
| Noninterest expense to average assets | 2.7207% | 3,958 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9290% | 2,666 |
| Return on assets (ROA) | 0.9290% | 2,804 |
| Pretax return on assets | 1.3179% | 2,241 |
| Return on Equity (ROE) | 10.3001% | 2,086 |
| Retained earnings to average equity (ytd only) | 10.3001% | 782 |
| Net charge-offs to loans | 0.2232% | 2,396 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 9.5075% | 2,275 |
| Efficiency ratio | 67.3668% | 4,292 |
| Assets per employee ($millions) | 4.1935% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 3,353 |
| Loan loss allowance to noncurrent loans | 62.9001% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 2.1991% | 1,964 |
| Noncurrent loans to loans | 2.4678% | 1,887 |
| Net loans and leases to total assets | 63.3250% | 3,040 |
| Net loans and leases to deposits | 71.6942% | 3,495 |
| Net loans and leases to core deposits | 74.1253% | 3,795 |
| Total domestic deposits to total assets | 88.3266% | 2,024 |
| Equity capital to assets | 9.2017% | 4,990 |
| Core capital (leverage) ratio | 9.3701% | 4,432 |
| Tier 1 risk-based capital ratio | 14.4767% | 4,117 |
| Total risk-based capital ratio | 15.7304% | 4,072 |
| Memoranda: | ||
| Average total assets | $96,667,670 | 4,897 |
| Average earning assets | $89,518,330 | 4,860 |
| Average equity | $8,718,330 | 5,240 |
| Average total loans | $60,040,330 | 4,672 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7920% | 4,846 |
| Cost of funding earning assets | 0.5789% | 3,301 |
| Net interest margin | 3.2131% | 4,883 |
| Noninterest income to average assets | 0.9258% | 1,672 |
| Noninterest expense to average assets | 2.7031% | 4,043 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8432% | 2,935 |
| Return on assets (ROA) | 0.8432% | 3,075 |
| Pretax return on assets | 1.1821% | 2,642 |
| Return on Equity (ROE) | 9.4444% | 2,297 |
| Retained earnings to average equity (ytd only) | 9.4444% | 1,259 |
| Net charge-offs to loans | 0.2168% | 2,126 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 8.9375% | 1,902 |
| Efficiency ratio | 69.5745% | 4,042 |
| Assets per employee ($millions) | 4.1187% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6855% | 3,071 |
| Loan loss allowance to noncurrent loans | 62.1033% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 2.8143% | 1,609 |
| Noncurrent loans to loans | 2.7140% | 1,884 |
| Net loans and leases to total assets | 61.4515% | 3,180 |
| Net loans and leases to deposits | 69.5446% | 3,567 |
| Net loans and leases to core deposits | 71.9407% | 3,820 |
| Total domestic deposits to total assets | 88.3627% | 2,093 |
| Equity capital to assets | 9.2220% | 5,227 |
| Core capital (leverage) ratio | 8.8475% | 5,124 |
| Tier 1 risk-based capital ratio | 14.5585% | 4,132 |
| Total risk-based capital ratio | 15.8130% | 4,096 |
| Memoranda: | ||
| Average total assets | $96,776,500 | 4,934 |
| Average earning assets | $89,134,000 | 4,905 |
| Average equity | $8,640,000 | 5,324 |
| Average total loans | $59,040,500 | 4,735 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1071% | 4,928 |
| Cost of funding earning assets | 0.6340% | 4,056 |
| Net interest margin | 3.4731% | 4,611 |
| Noninterest income to average assets | 1.3142% | 888 |
| Noninterest expense to average assets | 2.7018% | 4,391 |
| Loan and lease loss provision to assets | 0.6257% | 863 |
| Net operating income to assets | 0.8199% | 3,187 |
| Return on assets (ROA) | 0.8646% | 3,223 |
| Pretax return on assets | 1.2430% | 2,628 |
| Return on Equity (ROE) | 9.8105% | 2,251 |
| Retained earnings to average equity (ytd only) | 6.2430% | 1,955 |
| Net charge-offs to loans | 1.3381% | 714 |
| Credit loss provision to net charge-offs | 77.3316% | 3,919 |
| Earnings coverage of net charge-offs (x) | 2.2306% | 4,310 |
| Efficiency ratio | 59.9535% | 5,546 |
| Assets per employee ($millions) | 4.2967% | 3,366 |
| Cash dividends to net income (ytd only)* | 36.3636% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7496% | 2,761 |
| Loan loss allowance to noncurrent loans | 64.0547% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 2.9173% | 1,631 |
| Noncurrent loans to loans | 2.7314% | 1,938 |
| Net loans and leases to total assets | 58.5289% | 3,876 |
| Net loans and leases to deposits | 65.7108% | 4,329 |
| Net loans and leases to core deposits | 68.1248% | 4,518 |
| Total domestic deposits to total assets | 89.0704% | 1,515 |
| Equity capital to assets | 8.6458% | 5,911 |
| Core capital (leverage) ratio | 8.9373% | 4,991 |
| Tier 1 risk-based capital ratio | 14.3149% | 4,154 |
| Total risk-based capital ratio | 15.5714% | 4,107 |
| Memoranda: | ||
| Average total assets | $95,417,400 | 4,952 |
| Average earning assets | $87,701,400 | 4,923 |
| Average equity | $8,409,400 | 5,389 |
| Average total loans | $57,692,200 | 4,812 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1863% | 4,867 |
| Cost of funding earning assets | 0.6485% | 4,213 |
| Net interest margin | 3.5378% | 4,496 |
| Noninterest income to average assets | 1.2633% | 927 |
| Noninterest expense to average assets | 2.6337% | 4,624 |
| Loan and lease loss provision to assets | 0.4314% | 1,470 |
| Net operating income to assets | 0.9947% | 2,538 |
| Return on assets (ROA) | 1.0532% | 2,492 |
| Pretax return on assets | 1.5453% | 1,734 |
| Return on Equity (ROE) | 11.8912% | 1,669 |
| Retained earnings to average equity (ytd only) | 11.8912% | 545 |
| Net charge-offs to loans | 1.5076% | 566 |
| Credit loss provision to net charge-offs | 47.1495% | 4,462 |
| Earnings coverage of net charge-offs (x) | 2.0663% | 4,236 |
| Efficiency ratio | 58.2113% | 5,760 |
| Assets per employee ($millions) | 4.0374% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 3,816 |
| Loan loss allowance to noncurrent loans | 51.4934% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 3.3448% | 1,516 |
| Noncurrent loans to loans | 2.9735% | 1,883 |
| Net loans and leases to total assets | 59.6978% | 3,842 |
| Net loans and leases to deposits | 67.9338% | 4,188 |
| Net loans and leases to core deposits | 70.6281% | 4,416 |
| Total domestic deposits to total assets | 87.8765% | 2,115 |
| Equity capital to assets | 9.4431% | 5,273 |
| Core capital (leverage) ratio | 9.3038% | 4,579 |
| Tier 1 risk-based capital ratio | 15.0263% | 3,832 |
| Total risk-based capital ratio | 16.2786% | 3,777 |
| Memoranda: | ||
| Average total assets | $94,566,000 | 5,026 |
| Average earning assets | $87,170,500 | 4,983 |
| Average equity | $8,375,750 | 5,450 |
| Average total loans | $57,397,750 | 4,869 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1626% | 5,075 |
| Cost of funding earning assets | 0.6603% | 4,360 |
| Net interest margin | 3.5024% | 4,655 |
| Noninterest income to average assets | 1.2950% | 844 |
| Noninterest expense to average assets | 2.6258% | 4,692 |
| Loan and lease loss provision to assets | 0.3301% | 1,991 |
| Net operating income to assets | 1.0543% | 2,228 |
| Return on assets (ROA) | 1.1163% | 2,203 |
| Pretax return on assets | 1.6545% | 1,382 |
| Return on Equity (ROE) | 12.8810% | 1,393 |
| Retained earnings to average equity (ytd only) | 12.8810% | 450 |
| Net charge-offs to loans | 1.5961% | 592 |
| Credit loss provision to net charge-offs | 34.0564% | 4,379 |
| Earnings coverage of net charge-offs (x) | 1.9523% | 4,000 |
| Efficiency ratio | 58.1201% | 5,854 |
| Assets per employee ($millions) | 4.0451% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5460% | 3,805 |
| Loan loss allowance to noncurrent loans | 36.7905% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 3.4610% | 1,542 |
| Noncurrent loans to loans | 4.2023% | 1,301 |
| Net loans and leases to total assets | 61.6712% | 3,499 |
| Net loans and leases to deposits | 70.9050% | 3,776 |
| Net loans and leases to core deposits | 73.2644% | 4,128 |
| Total domestic deposits to total assets | 86.9772% | 2,778 |
| Equity capital to assets | 9.1512% | 5,522 |
| Core capital (leverage) ratio | 8.9528% | 4,981 |
| Tier 1 risk-based capital ratio | 14.2446% | 4,272 |
| Total risk-based capital ratio | 15.4974% | 4,238 |
| Memoranda: | ||
| Average total assets | $95,134,330 | 5,031 |
| Average earning assets | $87,541,000 | 5,005 |
| Average equity | $8,244,670 | 5,502 |
| Average total loans | $57,764,330 | 4,878 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1390% | 5,324 |
| Cost of funding earning assets | 0.6898% | 4,369 |
| Net interest margin | 3.4491% | 4,918 |
| Noninterest income to average assets | 1.1478% | 1,073 |
| Noninterest expense to average assets | 2.6699% | 4,545 |
| Loan and lease loss provision to assets | 0.6529% | 833 |
| Net operating income to assets | 0.6945% | 3,914 |
| Return on assets (ROA) | 0.6945% | 4,133 |
| Pretax return on assets | 0.9856% | 3,723 |
| Return on Equity (ROE) | 8.2367% | 3,178 |
| Retained earnings to average equity (ytd only) | 8.2367% | 1,885 |
| Net charge-offs to loans | 3.1439% | 224 |
| Credit loss provision to net charge-offs | 34.7345% | 3,543 |
| Earnings coverage of net charge-offs (x) | 0.8717% | 3,893 |
| Efficiency ratio | 61.9691% | 5,280 |
| Assets per employee ($millions) | 4.4264% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5813% | 3,799 |
| Loan loss allowance to noncurrent loans | 36.0682% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 3.7215% | 1,514 |
| Noncurrent loans to loans | 4.3842% | 1,350 |
| Net loans and leases to total assets | 58.1618% | 4,010 |
| Net loans and leases to deposits | 65.4623% | 4,440 |
| Net loans and leases to core deposits | 67.4913% | 4,731 |
| Total domestic deposits to total assets | 88.8478% | 1,793 |
| Equity capital to assets | 8.4062% | 6,172 |
| Core capital (leverage) ratio | 8.3220% | 5,843 |
| Tier 1 risk-based capital ratio | 14.0991% | 4,399 |
| Total risk-based capital ratio | 15.3532% | 4,367 |
| Memoranda: | ||
| Average total assets | $96,183,000 | 5,038 |
| Average earning assets | $88,138,000 | 5,018 |
| Average equity | $8,110,000 | 5,558 |
| Average total loans | $57,507,500 | 4,916 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5624% | 4,824 |
| Cost of funding earning assets | 0.7667% | 5,087 |
| Net interest margin | 3.7957% | 3,842 |
| Noninterest income to average assets | 0.9447% | 1,520 |
| Noninterest expense to average assets | 2.7460% | 4,572 |
| Loan and lease loss provision to assets | 0.2926% | 3,319 |
| Net operating income to assets | 0.9481% | 2,424 |
| Return on assets (ROA) | 0.9481% | 2,546 |
| Pretax return on assets | 1.3780% | 1,847 |
| Return on Equity (ROE) | 10.6027% | 1,842 |
| Retained earnings to average equity (ytd only) | 4.3585% | 3,075 |
| Net charge-offs to loans | 0.7903% | 2,179 |
| Credit loss provision to net charge-offs | 57.0806% | 5,242 |
| Earnings coverage of net charge-offs (x) | 3.2593% | 3,580 |
| Efficiency ratio | 62.1745% | 5,432 |
| Assets per employee ($millions) | 4.1298% | 3,590 |
| Cash dividends to net income (ytd only)* | 58.8928% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0969% | 2,013 |
| Loan loss allowance to noncurrent loans | 39.7165% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 4.3533% | 1,276 |
| Noncurrent loans to loans | 5.2796% | 1,030 |
| Net loans and leases to total assets | 59.2319% | 4,142 |
| Net loans and leases to deposits | 66.8044% | 4,623 |
| Net loans and leases to core deposits | 68.9384% | 4,909 |
| Total domestic deposits to total assets | 88.6646% | 1,740 |
| Equity capital to assets | 8.4581% | 6,194 |
| Core capital (leverage) ratio | 8.7844% | 5,128 |
| Tier 1 risk-based capital ratio | 13.6953% | 4,558 |
| Total risk-based capital ratio | 14.9562% | 4,512 |
| Memoranda: | ||
| Average total assets | $89,549,200 | 5,193 |
| Average earning assets | $81,908,600 | 5,172 |
| Average equity | $8,007,400 | 5,569 |
| Average total loans | $58,076,400 | 4,946 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6241% | 4,773 |
| Cost of funding earning assets | 0.7872% | 5,235 |
| Net interest margin | 3.8370% | 3,682 |
| Noninterest income to average assets | 0.9162% | 1,591 |
| Noninterest expense to average assets | 2.7742% | 4,450 |
| Loan and lease loss provision to assets | 0.3054% | 3,089 |
| Net operating income to assets | 0.9389% | 2,576 |
| Return on assets (ROA) | 0.9389% | 2,739 |
| Pretax return on assets | 1.3592% | 2,086 |
| Return on Equity (ROE) | 10.3488% | 2,086 |
| Retained earnings to average equity (ytd only) | 10.3488% | 754 |
| Net charge-offs to loans | 0.9983% | 1,613 |
| Credit loss provision to net charge-offs | 46.3303% | 5,112 |
| Earnings coverage of net charge-offs (x) | 2.5252% | 3,868 |
| Efficiency ratio | 62.5000% | 5,330 |
| Assets per employee ($millions) | 3.8779% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0006% | 2,337 |
| Loan loss allowance to noncurrent loans | 32.3635% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 5.0229% | 1,145 |
| Noncurrent loans to loans | 6.1816% | 889 |
| Net loans and leases to total assets | 64.1481% | 3,281 |
| Net loans and leases to deposits | 73.1173% | 3,787 |
| Net loans and leases to core deposits | 75.6322% | 4,237 |
| Total domestic deposits to total assets | 87.7332% | 2,211 |
| Equity capital to assets | 9.3248% | 5,340 |
| Core capital (leverage) ratio | 9.2707% | 4,502 |
| Tier 1 risk-based capital ratio | 14.3459% | 4,094 |
| Total risk-based capital ratio | 15.6052% | 4,050 |
| Memoranda: | ||
| Average total assets | $88,190,000 | 5,261 |
| Average earning assets | $80,964,750 | 5,243 |
| Average equity | $8,000,750 | 5,601 |
| Average total loans | $58,228,750 | 4,986 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6696% | 4,661 |
| Cost of funding earning assets | 0.8197% | 5,247 |
| Net interest margin | 3.8500% | 3,536 |
| Noninterest income to average assets | 0.8946% | 1,664 |
| Noninterest expense to average assets | 2.7932% | 4,447 |
| Loan and lease loss provision to assets | 0.3233% | 2,851 |
| Net operating income to assets | 0.9106% | 2,597 |
| Return on assets (ROA) | 0.9106% | 2,697 |
| Pretax return on assets | 1.3067% | 2,116 |
| Return on Equity (ROE) | 10.1326% | 2,076 |
| Retained earnings to average equity (ytd only) | 10.1326% | 816 |
| Net charge-offs to loans | -0.0069% | 6,628 |
| Credit loss provision to net charge-offs | -7,100.0000% | 6,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1498% | 5,377 |
| Assets per employee ($millions) | 3.7515% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6719% | 1,206 |
| Loan loss allowance to noncurrent loans | 43.2085% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 5.0403% | 1,213 |
| Noncurrent loans to loans | 6.1837% | 941 |
| Net loans and leases to total assets | 65.2674% | 3,192 |
| Net loans and leases to deposits | 74.2896% | 3,755 |
| Net loans and leases to core deposits | 76.0904% | 4,304 |
| Total domestic deposits to total assets | 87.8554% | 2,240 |
| Equity capital to assets | 9.3956% | 4,981 |
| Core capital (leverage) ratio | 9.1229% | 4,529 |
| Tier 1 risk-based capital ratio | 14.4938% | 3,788 |
| Total risk-based capital ratio | 15.7634% | 3,755 |
| Memoranda: | ||
| Average total assets | $87,856,000 | 5,317 |
| Average earning assets | $80,520,330 | 5,305 |
| Average equity | $7,895,330 | 5,650 |
| Average total loans | $58,177,330 | 5,041 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5655% | 5,103 |
| Cost of funding earning assets | 0.8668% | 5,157 |
| Net interest margin | 3.6987% | 4,114 |
| Noninterest income to average assets | 0.9160% | 1,598 |
| Noninterest expense to average assets | 2.8068% | 4,407 |
| Loan and lease loss provision to assets | 0.3700% | 2,341 |
| Net operating income to assets | 0.7987% | 3,042 |
| Return on assets (ROA) | 0.7987% | 3,111 |
| Pretax return on assets | 1.1281% | 2,651 |
| Return on Equity (ROE) | 9.0892% | 2,446 |
| Retained earnings to average equity (ytd only) | 9.0892% | 1,359 |
| Net charge-offs to loans | -0.0274% | 6,681 |
| Credit loss provision to net charge-offs | -2,050.0000% | 6,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1992% | 5,167 |
| Assets per employee ($millions) | 3.8308% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5294% | 1,422 |
| Loan loss allowance to noncurrent loans | 57.8988% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 3.7749% | 1,789 |
| Noncurrent loans to loans | 4.3687% | 1,617 |
| Net loans and leases to total assets | 65.0792% | 3,224 |
| Net loans and leases to deposits | 73.5553% | 3,834 |
| Net loans and leases to core deposits | 75.2849% | 4,382 |
| Total domestic deposits to total assets | 88.4766% | 2,095 |
| Equity capital to assets | 8.9288% | 5,311 |
| Core capital (leverage) ratio | 8.5406% | 5,369 |
| Tier 1 risk-based capital ratio | 11.7606% | 5,888 |
| Total risk-based capital ratio | 13.0233% | 5,890 |
| Memoranda: | ||
| Average total assets | $88,641,500 | 5,332 |
| Average earning assets | $81,217,500 | 5,322 |
| Average equity | $7,789,500 | 5,681 |
| Average total loans | $58,335,000 | 5,075 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9255% | 4,901 |
| Cost of funding earning assets | 0.9892% | 5,740 |
| Net interest margin | 3.9363% | 3,315 |
| Noninterest income to average assets | 1.0910% | 1,254 |
| Noninterest expense to average assets | 2.9407% | 4,066 |
| Loan and lease loss provision to assets | 1.1632% | 1,358 |
| Net operating income to assets | 0.4195% | 4,467 |
| Return on assets (ROA) | 0.4195% | 4,594 |
| Pretax return on assets | 0.5398% | 4,501 |
| Return on Equity (ROE) | 4.6925% | 4,208 |
| Retained earnings to average equity (ytd only) | 0.9872% | 5,047 |
| Net charge-offs to loans | 1.1092% | 2,009 |
| Credit loss provision to net charge-offs | 151.9461% | 2,366 |
| Earnings coverage of net charge-offs (x) | 2.2246% | 4,053 |
| Efficiency ratio | 63.3268% | 5,456 |
| Assets per employee ($millions) | 3.8772% | 4,062 |
| Cash dividends to net income (ytd only)* | 78.9617% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4238% | 1,519 |
| Loan loss allowance to noncurrent loans | 55.0020% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 3.7062% | 1,854 |
| Noncurrent loans to loans | 4.4068% | 1,622 |
| Net loans and leases to total assets | 63.2913% | 4,010 |
| Net loans and leases to deposits | 71.2599% | 4,643 |
| Net loans and leases to core deposits | 72.9124% | 5,109 |
| Total domestic deposits to total assets | 88.8175% | 1,761 |
| Equity capital to assets | 8.6482% | 5,662 |
| Core capital (leverage) ratio | 8.7782% | 4,886 |
| Tier 1 risk-based capital ratio | 10.6728% | 6,591 |
| Total risk-based capital ratio | 11.9316% | 6,555 |
| Memoranda: | ||
| Average total assets | $87,257,000 | 5,369 |
| Average earning assets | $78,754,000 | 5,392 |
| Average equity | $7,799,600 | 5,775 |
| Average total loans | $60,224,200 | 5,063 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9693% | 4,951 |
| Cost of funding earning assets | 1.0310% | 5,795 |
| Net interest margin | 3.9383% | 3,367 |
| Noninterest income to average assets | 1.0033% | 1,456 |
| Noninterest expense to average assets | 2.8855% | 4,146 |
| Loan and lease loss provision to assets | 0.6376% | 2,397 |
| Net operating income to assets | 0.7206% | 3,319 |
| Return on assets (ROA) | 0.7206% | 3,475 |
| Pretax return on assets | 1.0310% | 3,069 |
| Return on Equity (ROE) | 7.9949% | 2,901 |
| Retained earnings to average equity (ytd only) | 4.3810% | 3,413 |
| Net charge-offs to loans | -0.1074% | 7,562 |
| Credit loss provision to net charge-offs | -846.9388% | 7,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3603% | 5,369 |
| Assets per employee ($millions) | 3.6843% | 4,542 |
| Cash dividends to net income (ytd only)* | 45.2025% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5328% | 1,286 |
| Loan loss allowance to noncurrent loans | 47.5282% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 4.3971% | 1,546 |
| Noncurrent loans to loans | 5.3292% | 1,267 |
| Net loans and leases to total assets | 68.9809% | 2,992 |
| Net loans and leases to deposits | 78.5068% | 3,736 |
| Net loans and leases to core deposits | 80.8076% | 4,407 |
| Total domestic deposits to total assets | 87.8661% | 2,041 |
| Equity capital to assets | 9.3594% | 5,040 |
| Core capital (leverage) ratio | 9.1856% | 4,395 |
| Tier 1 risk-based capital ratio | 12.8171% | 4,718 |
| Total risk-based capital ratio | 14.0821% | 4,690 |
| Memoranda: | ||
| Average total assets | $86,777,500 | 5,452 |
| Average earning assets | $78,238,250 | 5,476 |
| Average equity | $7,821,500 | 5,851 |
| Average total loans | $60,819,750 | 5,108 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0074% | 4,911 |
| Cost of funding earning assets | 1.0918% | 5,719 |
| Net interest margin | 3.9156% | 3,373 |
| Noninterest income to average assets | 0.8827% | 1,747 |
| Noninterest expense to average assets | 2.8563% | 4,240 |
| Loan and lease loss provision to assets | 0.2973% | 4,011 |
| Net operating income to assets | 0.8393% | 2,780 |
| Return on assets (ROA) | 0.8393% | 2,938 |
| Pretax return on assets | 1.2395% | 2,294 |
| Return on Equity (ROE) | 9.4284% | 2,304 |
| Retained earnings to average equity (ytd only) | 5.9859% | 2,335 |
| Net charge-offs to loans | -0.1702% | 7,626 |
| Credit loss provision to net charge-offs | -250.0000% | 6,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0182% | 5,146 |
| Assets per employee ($millions) | 3.7114% | 4,439 |
| Cash dividends to net income (ytd only)* | 36.5123% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0980% | 1,965 |
| Loan loss allowance to noncurrent loans | 52.8407% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 4.5629% | 1,443 |
| Noncurrent loans to loans | 3.9704% | 1,919 |
| Net loans and leases to total assets | 67.6226% | 3,468 |
| Net loans and leases to deposits | 77.1670% | 4,133 |
| Net loans and leases to core deposits | 79.1390% | 4,786 |
| Total domestic deposits to total assets | 87.6315% | 2,191 |
| Equity capital to assets | 9.2570% | 5,061 |
| Core capital (leverage) ratio | 8.8423% | 4,847 |
| Tier 1 risk-based capital ratio | 12.8014% | 4,605 |
| Total risk-based capital ratio | 14.0605% | 4,561 |
| Memoranda: | ||
| Average total assets | $87,457,330 | 5,468 |
| Average earning assets | $78,403,670 | 5,495 |
| Average equity | $7,785,000 | 5,873 |
| Average total loans | $61,102,330 | 5,133 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 5,288 |
| Cost of funding earning assets | 1.0850% | 5,974 |
| Net interest margin | 3.8502% | 3,570 |
| Noninterest income to average assets | 0.7819% | 2,110 |
| Noninterest expense to average assets | 2.6123% | 5,304 |
| Loan and lease loss provision to assets | 0.3164% | 3,520 |
| Net operating income to assets | 0.8903% | 2,591 |
| Return on assets (ROA) | 0.8903% | 2,661 |
| Pretax return on assets | 1.3333% | 1,955 |
| Return on Equity (ROE) | 10.1987% | 2,037 |
| Retained earnings to average equity (ytd only) | 6.7301% | 2,255 |
| Net charge-offs to loans | -0.3281% | 7,756 |
| Credit loss provision to net charge-offs | -137.2549% | 6,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2937% | 5,946 |
| Assets per employee ($millions) | 3.8435% | 4,220 |
| Cash dividends to net income (ytd only)* | 34.0102% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9324% | 2,354 |
| Loan loss allowance to noncurrent loans | 55.3933% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 3.3756% | 2,102 |
| Noncurrent loans to loans | 3.4885% | 2,285 |
| Net loans and leases to total assets | 67.5124% | 3,503 |
| Net loans and leases to deposits | 78.2404% | 3,997 |
| Net loans and leases to core deposits | 80.6337% | 4,682 |
| Total domestic deposits to total assets | 86.2885% | 2,989 |
| Equity capital to assets | 8.8179% | 5,512 |
| Core capital (leverage) ratio | 8.7137% | 5,001 |
| Tier 1 risk-based capital ratio | 10.4989% | 6,634 |
| Total risk-based capital ratio | 11.7541% | 6,620 |
| Memoranda: | ||
| Average total assets | $88,505,000 | 5,497 |
| Average earning assets | $79,996,500 | 5,506 |
| Average equity | $7,726,500 | 5,938 |
| Average total loans | $62,173,000 | 5,174 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5196% | 4,040 |
| Cost of funding earning assets | 1.3584% | 6,100 |
| Net interest margin | 4.1612% | 2,208 |
| Noninterest income to average assets | 0.8148% | 2,334 |
| Noninterest expense to average assets | 2.9961% | 4,158 |
| Loan and lease loss provision to assets | 0.7014% | 3,015 |
| Net operating income to assets | 0.6722% | 3,049 |
| Return on assets (ROA) | 0.6722% | 3,105 |
| Pretax return on assets | 0.9632% | 2,719 |
| Return on Equity (ROE) | 7.7464% | 2,481 |
| Retained earnings to average equity (ytd only) | 7.7464% | 762 |
| Net charge-offs to loans | 0.7825% | 2,868 |
| Credit loss provision to net charge-offs | 116.2791% | 4,668 |
| Earnings coverage of net charge-offs (x) | 2.7597% | 3,716 |
| Efficiency ratio | 64.2839% | 5,723 |
| Assets per employee ($millions) | 3.6921% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6617% | 3,041 |
| Loan loss allowance to noncurrent loans | 77.8024% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.8519% | 3,593 |
| Noncurrent loans to loans | 2.1358% | 3,474 |
| Net loans and leases to total assets | 70.4593% | 3,142 |
| Net loans and leases to deposits | 81.4045% | 3,718 |
| Net loans and leases to core deposits | 90.6957% | 5,053 |
| Total domestic deposits to total assets | 86.5546% | 2,731 |
| Equity capital to assets | 8.6424% | 5,674 |
| Core capital (leverage) ratio | 9.0678% | 4,307 |
| Tier 1 risk-based capital ratio | 12.1678% | 4,803 |
| Total risk-based capital ratio | 13.4228% | 4,762 |
| Memoranda: | ||
| Average total assets | $85,544,400 | 5,540 |
| Average earning assets | $79,064,000 | 5,489 |
| Average equity | $7,422,800 | 6,117 |
| Average total loans | $65,941,400 | 5,019 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6249% | 3,721 |
| Cost of funding earning assets | 1.4185% | 6,155 |
| Net interest margin | 4.2064% | 2,035 |
| Noninterest income to average assets | 0.8776% | 2,073 |
| Noninterest expense to average assets | 2.9630% | 4,195 |
| Loan and lease loss provision to assets | 0.7486% | 2,496 |
| Net operating income to assets | 0.7423% | 3,054 |
| Return on assets (ROA) | 0.7423% | 3,108 |
| Pretax return on assets | 1.0742% | 2,658 |
| Return on Equity (ROE) | 8.5459% | 2,431 |
| Retained earnings to average equity (ytd only) | 8.5459% | 960 |
| Net charge-offs to loans | 0.5930% | 2,898 |
| Credit loss provision to net charge-offs | 160.8108% | 2,943 |
| Earnings coverage of net charge-offs (x) | 3.9155% | 3,336 |
| Efficiency ratio | 61.9126% | 6,127 |
| Assets per employee ($millions) | 3.4468% | 5,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7955% | 2,292 |
| Loan loss allowance to noncurrent loans | 64.6993% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 2.4492% | 2,809 |
| Noncurrent loans to loans | 2.7751% | 2,737 |
| Net loans and leases to total assets | 76.1031% | 1,980 |
| Net loans and leases to deposits | 88.9859% | 2,783 |
| Net loans and leases to core deposits | 99.5116% | 4,431 |
| Total domestic deposits to total assets | 85.5226% | 2,958 |
| Equity capital to assets | 9.1548% | 5,248 |
| Core capital (leverage) ratio | 8.9228% | 4,774 |
| Tier 1 risk-based capital ratio | 12.0587% | 4,920 |
| Total risk-based capital ratio | 13.3163% | 4,855 |
| Memoranda: | ||
| Average total assets | $84,778,000 | 5,595 |
| Average earning assets | $78,767,500 | 5,532 |
| Average equity | $7,364,000 | 6,199 |
| Average total loans | $66,554,500 | 5,039 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6624% | 3,753 |
| Cost of funding earning assets | 1.4596% | 6,294 |
| Net interest margin | 4.2028% | 1,988 |
| Noninterest income to average assets | 0.9759% | 1,673 |
| Noninterest expense to average assets | 2.9206% | 4,431 |
| Loan and lease loss provision to assets | 0.1498% | 5,574 |
| Net operating income to assets | 1.1841% | 1,523 |
| Return on assets (ROA) | 1.1841% | 1,609 |
| Pretax return on assets | 1.8136% | 827 |
| Return on Equity (ROE) | 13.8738% | 1,014 |
| Retained earnings to average equity (ytd only) | 13.8738% | 266 |
| Net charge-offs to loans | -0.0534% | 7,857 |
| Credit loss provision to net charge-offs | -355.5556% | 7,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7988% | 6,581 |
| Assets per employee ($millions) | 3.5496% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5718% | 2,861 |
| Loan loss allowance to noncurrent loans | 50.6737% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 3.0391% | 2,085 |
| Noncurrent loans to loans | 3.1018% | 2,307 |
| Net loans and leases to total assets | 77.4037% | 1,877 |
| Net loans and leases to deposits | 92.6203% | 2,343 |
| Net loans and leases to core deposits | 102.4215% | 4,239 |
| Total domestic deposits to total assets | 83.5710% | 3,977 |
| Equity capital to assets | 8.8836% | 5,477 |
| Core capital (leverage) ratio | 8.7948% | 4,951 |
| Tier 1 risk-based capital ratio | 11.7145% | 5,183 |
| Total risk-based capital ratio | 12.9700% | 5,105 |
| Memoranda: | ||
| Average total assets | $85,463,330 | 5,600 |
| Average earning assets | $79,471,330 | 5,548 |
| Average equity | $7,294,330 | 6,267 |
| Average total loans | $67,371,000 | 5,056 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8658% | 2,960 |
| Cost of funding earning assets | 1.5280% | 6,315 |
| Net interest margin | 4.3377% | 1,490 |
| Noninterest income to average assets | 0.9019% | 1,841 |
| Noninterest expense to average assets | 2.8411% | 4,378 |
| Loan and lease loss provision to assets | 0.1262% | 5,342 |
| Net operating income to assets | 1.2804% | 1,433 |
| Return on assets (ROA) | 1.2804% | 1,533 |
| Pretax return on assets | 1.9673% | 703 |
| Return on Equity (ROE) | 15.3126% | 919 |
| Retained earnings to average equity (ytd only) | 15.3126% | 381 |
| Net charge-offs to loans | -0.2960% | 8,065 |
| Credit loss provision to net charge-offs | -54.0000% | 6,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5758% | 6,754 |
| Assets per employee ($millions) | 3.5484% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 2,657 |
| Loan loss allowance to noncurrent loans | 300.2865% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 1.0192% | 4,660 |
| Noncurrent loans to loans | 0.5222% | 6,119 |
| Net loans and leases to total assets | 77.2481% | 1,981 |
| Net loans and leases to deposits | 92.2393% | 2,555 |
| Net loans and leases to core deposits | 100.0563% | 4,530 |
| Total domestic deposits to total assets | 83.7474% | 3,825 |
| Equity capital to assets | 8.5919% | 5,923 |
| Core capital (leverage) ratio | 8.3889% | 5,732 |
| Tier 1 risk-based capital ratio | 11.4174% | 5,489 |
| Total risk-based capital ratio | 12.6725% | 5,385 |
| Memoranda: | ||
| Average total assets | $85,599,500 | 5,623 |
| Average earning assets | $79,580,500 | 5,560 |
| Average equity | $7,157,500 | 6,349 |
| Average total loans | $67,559,500 | 5,068 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4150% | 3,335 |
| Cost of funding earning assets | 2.1034% | 6,039 |
| Net interest margin | 4.3117% | 1,939 |
| Noninterest income to average assets | 0.6613% | 3,397 |
| Noninterest expense to average assets | 2.6536% | 5,433 |
| Loan and lease loss provision to assets | 0.4639% | 2,979 |
| Net operating income to assets | 1.0078% | 2,524 |
| Return on assets (ROA) | 1.0173% | 2,376 |
| Pretax return on assets | 1.5406% | 1,561 |
| Return on Equity (ROE) | 12.3221% | 1,507 |
| Retained earnings to average equity (ytd only) | 5.7063% | 1,664 |
| Net charge-offs to loans | 0.2830% | 3,515 |
| Credit loss provision to net charge-offs | 210.4396% | 2,292 |
| Earnings coverage of net charge-offs (x) | 9.0275% | 2,769 |
| Efficiency ratio | 57.1466% | 6,846 |
| Assets per employee ($millions) | 3.5849% | 4,456 |
| Cash dividends to net income (ytd only)* | 53.6905% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 3,077 |
| Loan loss allowance to noncurrent loans | 77.4322% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.4575% | 3,304 |
| Noncurrent loans to loans | 1.8364% | 3,007 |
| Net loans and leases to total assets | 78.2384% | 2,071 |
| Net loans and leases to deposits | 96.0723% | 2,439 |
| Net loans and leases to core deposits | 103.6365% | 4,432 |
| Total domestic deposits to total assets | 81.4371% | 4,446 |
| Equity capital to assets | 8.1337% | 6,652 |
| Core capital (leverage) ratio | 8.1575% | 6,242 |
| Tier 1 risk-based capital ratio | 10.8282% | 5,879 |
| Total risk-based capital ratio | 12.0811% | 5,784 |
| Memoranda: | ||
| Average total assets | $82,567,600 | 5,610 |
| Average earning assets | $76,258,400 | 5,577 |
| Average equity | $6,817,000 | 6,518 |
| Average total loans | $64,309,400 | 5,086 |