Home > United Community Bank > Performance and Condition Ratios
United Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1813% | 3,656 |
| Cost of funding earning assets | 1.7577% | 1,333 |
| Net interest margin | 2.4236% | 4,166 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.0523% | 3,511 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 0.3793% | 3,914 |
| Return on assets (ROA) | 0.3793% | 3,907 |
| Pretax return on assets | 0.3973% | 3,970 |
| Return on Equity (ROE) | 4.9300% | 3,733 |
| Retained earnings to average equity (ytd only) | 2.9685% | 3,282 |
| Net charge-offs to loans | 0.2319% | 466 |
| Credit loss provision to net charge-offs | 96.5739% | 1,880 |
| Earnings coverage of net charge-offs (x) | 3.2227% | 2,651 |
| Efficiency ratio | 78.3422% | 1,040 |
| Assets per employee ($millions) | 7.4666% | 1,753 |
| Cash dividends to net income (ytd only)* | 39.7614% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 2,202 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 75.1300% | 1,225 |
| Net loans and leases to deposits | 88.6352% | 1,382 |
| Net loans and leases to core deposits | 93.2350% | 1,829 |
| Total domestic deposits to total assets | 84.7600% | 2,391 |
| Equity capital to assets | 8.0354% | 3,390 |
| Core capital (leverage) ratio | 8.0269% | 4,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8433% | 2,620 |
| Memoranda: | ||
| Average total assets | $265,260,200 | 2,595 |
| Average earning assets | $247,313,800 | 2,591 |
| Average equity | $20,414,600 | 2,827 |
| Average total loans | $201,376,800 | 2,280 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0838% | 3,688 |
| Cost of funding earning assets | 1.6253% | 1,325 |
| Net interest margin | 2.4585% | 4,182 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.0657% | 3,437 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 0.3863% | 3,984 |
| Return on assets (ROA) | 0.3863% | 3,985 |
| Pretax return on assets | 0.4035% | 4,058 |
| Return on Equity (ROE) | 5.0800% | 3,793 |
| Retained earnings to average equity (ytd only) | 2.4256% | 3,646 |
| Net charge-offs to loans | 0.3104% | 283 |
| Credit loss provision to net charge-offs | 80.2998% | 1,755 |
| Earnings coverage of net charge-offs (x) | 2.5161% | 2,479 |
| Efficiency ratio | 77.7082% | 1,032 |
| Assets per employee ($millions) | 7.9515% | 1,371 |
| Cash dividends to net income (ytd only)* | 52.2193% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 2,554 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 75.7000% | 1,153 |
| Net loans and leases to deposits | 91.8476% | 1,065 |
| Net loans and leases to core deposits | 98.1427% | 1,435 |
| Total domestic deposits to total assets | 82.4200% | 3,139 |
| Equity capital to assets | 7.4721% | 3,370 |
| Core capital (leverage) ratio | 8.0137% | 4,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4767% | 2,734 |
| Memoranda: | ||
| Average total assets | $264,376,000 | 2,607 |
| Average earning assets | $246,430,500 | 2,598 |
| Average equity | $20,118,500 | 2,840 |
| Average total loans | $200,616,250 | 2,282 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9597% | 3,767 |
| Cost of funding earning assets | 1.3988% | 1,451 |
| Net interest margin | 2.5609% | 4,150 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.1213% | 3,291 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 0.3979% | 4,006 |
| Return on assets (ROA) | 0.3979% | 4,015 |
| Pretax return on assets | 0.4154% | 4,096 |
| Return on Equity (ROE) | 5.2000% | 3,860 |
| Retained earnings to average equity (ytd only) | 1.2145% | 3,875 |
| Net charge-offs to loans | 0.4706% | 179 |
| Credit loss provision to net charge-offs | 64.2398% | 1,614 |
| Earnings coverage of net charge-offs (x) | 1.8094% | 2,350 |
| Efficiency ratio | 76.7089% | 1,110 |
| Assets per employee ($millions) | 7.1405% | 1,822 |
| Cash dividends to net income (ytd only)* | 76.6284% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 2,643 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 75.1200% | 1,148 |
| Net loans and leases to deposits | 89.0463% | 1,255 |
| Net loans and leases to core deposits | 93.5877% | 1,590 |
| Total domestic deposits to total assets | 84.3600% | 2,739 |
| Equity capital to assets | 7.6231% | 3,453 |
| Core capital (leverage) ratio | 8.0045% | 4,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6686% | 2,716 |
| Memoranda: | ||
| Average total assets | $262,384,000 | 2,623 |
| Average earning assets | $244,917,667 | 2,609 |
| Average equity | $20,091,000 | 2,858 |
| Average total loans | $198,467,333 | 2,300 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7478% | 3,950 |
| Cost of funding earning assets | 1.0834% | 1,796 |
| Net interest margin | 2.6644% | 4,127 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.1432% | 3,271 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 0.4528% | 3,997 |
| Return on assets (ROA) | 0.4528% | 3,947 |
| Pretax return on assets | 0.4727% | 4,027 |
| Return on Equity (ROE) | 5.9000% | 3,733 |
| Retained earnings to average equity (ytd only) | 1.4153% | 3,799 |
| Net charge-offs to loans | 0.8515% | 88 |
| Credit loss provision to net charge-offs | 35.7143% | 1,329 |
| Earnings coverage of net charge-offs (x) | 1.0929% | 1,986 |
| Efficiency ratio | 75.3226% | 1,218 |
| Assets per employee ($millions) | 6.8251% | 2,098 |
| Cash dividends to net income (ytd only)* | 76.0135% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 2,840 |
| Loan loss allowance to noncurrent loans | 3,781.3559% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 3,568 |
| Noncurrent loans to loans | 0.0302% | 3,545 |
| Net loans and leases to total assets | 74.4300% | 1,145 |
| Net loans and leases to deposits | 87.7637% | 1,227 |
| Net loans and leases to core deposits | 89.0208% | 1,677 |
| Total domestic deposits to total assets | 84.8100% | 2,902 |
| Equity capital to assets | 7.8677% | 3,331 |
| Core capital (leverage) ratio | 8.1429% | 4,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9878% | 2,733 |
| Memoranda: | ||
| Average total assets | $261,477,000 | 2,659 |
| Average earning assets | $244,408,500 | 2,646 |
| Average equity | $20,066,500 | 2,886 |
| Average total loans | $197,303,000 | 2,325 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4516% | 3,204 |
| Cost of funding earning assets | 0.3819% | 2,243 |
| Net interest margin | 3.0697% | 3,261 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.1792% | 3,075 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 0.7960% | 3,341 |
| Return on assets (ROA) | 0.7905% | 3,292 |
| Pretax return on assets | 0.8288% | 3,554 |
| Return on Equity (ROE) | 9.7400% | 2,887 |
| Retained earnings to average equity (ytd only) | 1.0605% | 4,186 |
| Net charge-offs to loans | -0.0005% | 3,309 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.0802% | 2,079 |
| Assets per employee ($millions) | 6.7590% | 2,147 |
| Cash dividends to net income (ytd only)* | 89.1089% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 2,123 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 74.6700% | 1,159 |
| Net loans and leases to deposits | 83.2783% | 1,524 |
| Net loans and leases to core deposits | 84.4807% | 1,848 |
| Total domestic deposits to total assets | 89.6700% | 1,497 |
| Equity capital to assets | 7.4840% | 3,396 |
| Core capital (leverage) ratio | 8.0337% | 4,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8388% | 2,778 |
| Memoranda: | ||
| Average total assets | $255,549,200 | 2,695 |
| Average earning assets | $238,298,400 | 2,681 |
| Average equity | $20,745,800 | 2,881 |
| Average total loans | $188,880,000 | 2,313 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3889% | 2,941 |
| Cost of funding earning assets | 0.2415% | 2,799 |
| Net interest margin | 3.1473% | 2,783 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.2113% | 2,902 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 0.8299% | 3,133 |
| Return on assets (ROA) | 0.8225% | 3,127 |
| Pretax return on assets | 0.8751% | 3,398 |
| Return on Equity (ROE) | 9.9300% | 2,747 |
| Retained earnings to average equity (ytd only) | 1.0412% | 4,208 |
| Net charge-offs to loans | -0.0007% | 3,152 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.3877% | 2,229 |
| Assets per employee ($millions) | 6.8280% | 2,072 |
| Cash dividends to net income (ytd only)* | 89.5141% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,571 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 75.0800% | 1,004 |
| Net loans and leases to deposits | 88.5065% | 999 |
| Net loans and leases to core deposits | 91.0288% | 1,236 |
| Total domestic deposits to total assets | 84.8300% | 3,326 |
| Equity capital to assets | 7.3552% | 3,297 |
| Core capital (leverage) ratio | 8.2211% | 4,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6555% | 2,909 |
| Memoranda: | ||
| Average total assets | $253,536,250 | 2,728 |
| Average earning assets | $236,259,000 | 2,711 |
| Average equity | $21,000,250 | 2,900 |
| Average total loans | $186,266,000 | 2,336 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3357% | 2,623 |
| Cost of funding earning assets | 0.1245% | 3,914 |
| Net interest margin | 3.2112% | 2,151 |
| Noninterest income to average assets | 0.3848% | 2,843 |
| Noninterest expense to average assets | 2.2213% | 2,782 |
| Loan and lease loss provision to assets | 0.2385% | 312 |
| Net operating income to assets | 0.8651% | 2,713 |
| Return on assets (ROA) | 0.8539% | 2,737 |
| Pretax return on assets | 0.9071% | 3,040 |
| Return on Equity (ROE) | 9.9265% | 2,363 |
| Retained earnings to average equity (ytd only) | 0.6840% | 4,061 |
| Net charge-offs to loans | -0.0011% | 3,049 |
| Credit loss provision to net charge-offs | -30,000.0000% | 3,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7412% | 2,548 |
| Assets per employee ($millions) | 6.7801% | 2,091 |
| Cash dividends to net income (ytd only)* | 93.1099% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 2,735 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 72.8055% | 1,028 |
| Net loans and leases to deposits | 82.8594% | 1,193 |
| Net loans and leases to core deposits | 84.4131% | 1,428 |
| Total domestic deposits to total assets | 87.8663% | 2,628 |
| Equity capital to assets | 8.0881% | 3,050 |
| Core capital (leverage) ratio | 8.3695% | 4,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1696% | 2,759 |
| Memoranda: | ||
| Average total assets | $251,560,333 | 2,765 |
| Average earning assets | $234,556,000 | 2,759 |
| Average equity | $21,639,000 | 2,935 |
| Average total loans | $182,632,000 | 2,368 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2899% | 2,415 |
| Cost of funding earning assets | 0.1021% | 4,106 |
| Net interest margin | 3.1879% | 1,917 |
| Noninterest income to average assets | 0.4176% | 2,572 |
| Noninterest expense to average assets | 2.2389% | 2,724 |
| Loan and lease loss provision to assets | 0.2382% | 279 |
| Net operating income to assets | 0.8624% | 2,442 |
| Return on assets (ROA) | 0.8400% | 2,516 |
| Pretax return on assets | 0.8924% | 2,805 |
| Return on Equity (ROE) | 9.4830% | 2,160 |
| Retained earnings to average equity (ytd only) | 0.5199% | 3,913 |
| Net charge-offs to loans | -0.0022% | 3,123 |
| Credit loss provision to net charge-offs | -15,000.0000% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9803% | 2,773 |
| Assets per employee ($millions) | 6.5758% | 2,315 |
| Cash dividends to net income (ytd only)* | 94.5180% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 3,189 |
| Loan loss allowance to noncurrent loans | 653.1847% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 2,923 |
| Noncurrent loans to loans | 0.1732% | 2,953 |
| Net loans and leases to total assets | 71.7149% | 863 |
| Net loans and leases to deposits | 80.1835% | 1,136 |
| Net loans and leases to core deposits | 81.3944% | 1,390 |
| Total domestic deposits to total assets | 89.4386% | 1,850 |
| Equity capital to assets | 8.4620% | 3,198 |
| Core capital (leverage) ratio | 8.3322% | 4,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3616% | 2,814 |
| Memoranda: | ||
| Average total assets | $251,909,000 | 2,773 |
| Average earning assets | $235,142,000 | 2,765 |
| Average equity | $22,313,500 | 2,955 |
| Average total loans | $181,526,500 | 2,367 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6263% | 2,318 |
| Cost of funding earning assets | 0.1969% | 3,499 |
| Net interest margin | 3.4294% | 1,935 |
| Noninterest income to average assets | 0.4421% | 2,846 |
| Noninterest expense to average assets | 2.1567% | 3,214 |
| Loan and lease loss provision to assets | 0.2390% | 405 |
| Net operating income to assets | 1.1853% | 1,968 |
| Return on assets (ROA) | 1.1853% | 2,037 |
| Pretax return on assets | 1.2442% | 2,539 |
| Return on Equity (ROE) | 12.4554% | 1,673 |
| Retained earnings to average equity (ytd only) | 1.5737% | 4,100 |
| Net charge-offs to loans | 0.7542% | 99 |
| Credit loss provision to net charge-offs | 46.2606% | 2,157 |
| Earnings coverage of net charge-offs (x) | 2.8712% | 2,568 |
| Efficiency ratio | 59.2516% | 3,264 |
| Assets per employee ($millions) | 6.8632% | 2,026 |
| Cash dividends to net income (ytd only)* | 87.3656% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 3,592 |
| Loan loss allowance to noncurrent loans | 63,333.3333% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,196 |
| Noncurrent loans to loans | 0.0017% | 4,119 |
| Net loans and leases to total assets | 70.8443% | 941 |
| Net loans and leases to deposits | 80.5318% | 1,167 |
| Net loans and leases to core deposits | 81.7475% | 1,481 |
| Total domestic deposits to total assets | 87.9706% | 2,058 |
| Equity capital to assets | 9.2472% | 3,376 |
| Core capital (leverage) ratio | 8.2057% | 4,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1569% | 2,851 |
| Memoranda: | ||
| Average total assets | $251,081,200 | 2,720 |
| Average earning assets | $234,125,600 | 2,721 |
| Average equity | $23,893,200 | 2,920 |
| Average total loans | $171,977,600 | 2,447 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6866% | 2,311 |
| Cost of funding earning assets | 0.2233% | 3,395 |
| Net interest margin | 3.4632% | 1,972 |
| Noninterest income to average assets | 0.4505% | 2,836 |
| Noninterest expense to average assets | 2.1509% | 3,218 |
| Loan and lease loss provision to assets | 0.2396% | 394 |
| Net operating income to assets | 1.2296% | 2,063 |
| Return on assets (ROA) | 1.2296% | 2,125 |
| Pretax return on assets | 1.2887% | 2,649 |
| Return on Equity (ROE) | 12.8296% | 1,752 |
| Retained earnings to average equity (ytd only) | 1.9947% | 4,185 |
| Net charge-offs to loans | 0.9281% | 72 |
| Credit loss provision to net charge-offs | 38.1356% | 1,926 |
| Earnings coverage of net charge-offs (x) | 2.4322% | 2,350 |
| Efficiency ratio | 58.4600% | 3,199 |
| Assets per employee ($millions) | 6.9537% | 1,904 |
| Cash dividends to net income (ytd only)* | 84.4521% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 3,522 |
| Loan loss allowance to noncurrent loans | 1,352.8986% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 3,779 |
| Noncurrent loans to loans | 0.0799% | 3,688 |
| Net loans and leases to total assets | 66.3688% | 1,501 |
| Net loans and leases to deposits | 74.4551% | 1,815 |
| Net loans and leases to core deposits | 75.5474% | 2,098 |
| Total domestic deposits to total assets | 89.1394% | 1,204 |
| Equity capital to assets | 9.3079% | 3,553 |
| Core capital (leverage) ratio | 8.1671% | 4,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2550% | 2,626 |
| Memoranda: | ||
| Average total assets | $250,367,250 | 2,743 |
| Average earning assets | $233,417,250 | 2,746 |
| Average equity | $23,996,000 | 2,943 |
| Average total loans | $169,522,000 | 2,502 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9414% | 1,709 |
| Cost of funding earning assets | 0.2656% | 3,128 |
| Net interest margin | 3.6758% | 1,404 |
| Noninterest income to average assets | 0.4700% | 2,754 |
| Noninterest expense to average assets | 2.1809% | 3,153 |
| Loan and lease loss provision to assets | 0.2419% | 411 |
| Net operating income to assets | 1.4126% | 1,529 |
| Return on assets (ROA) | 1.4126% | 1,596 |
| Pretax return on assets | 1.4722% | 2,105 |
| Return on Equity (ROE) | 14.5927% | 1,263 |
| Retained earnings to average equity (ytd only) | 3.7648% | 3,596 |
| Net charge-offs to loans | 1.0446% | 76 |
| Credit loss provision to net charge-offs | 34.0909% | 1,685 |
| Earnings coverage of net charge-offs (x) | 2.4159% | 2,122 |
| Efficiency ratio | 55.9925% | 3,543 |
| Assets per employee ($millions) | 7.1052% | 1,724 |
| Cash dividends to net income (ytd only)* | 74.2009% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 2,830 |
| Loan loss allowance to noncurrent loans | 316.1442% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 2,643 |
| Noncurrent loans to loans | 0.3852% | 2,520 |
| Net loans and leases to total assets | 65.7866% | 1,709 |
| Net loans and leases to deposits | 74.1745% | 1,980 |
| Net loans and leases to core deposits | 75.7993% | 2,259 |
| Total domestic deposits to total assets | 88.6916% | 1,458 |
| Equity capital to assets | 9.7027% | 3,142 |
| Core capital (leverage) ratio | 8.2385% | 4,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0917% | 2,334 |
| Memoranda: | ||
| Average total assets | $248,060,333 | 2,750 |
| Average earning assets | $231,136,333 | 2,753 |
| Average equity | $24,012,000 | 2,935 |
| Average total loans | $168,487,333 | 2,524 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2081% | 1,191 |
| Cost of funding earning assets | 0.3169% | 2,824 |
| Net interest margin | 3.8912% | 1,001 |
| Noninterest income to average assets | 0.5070% | 2,578 |
| Noninterest expense to average assets | 2.2022% | 3,109 |
| Loan and lease loss provision to assets | 0.2422% | 442 |
| Net operating income to assets | 1.6307% | 1,061 |
| Return on assets (ROA) | 1.6307% | 1,114 |
| Pretax return on assets | 1.6904% | 1,514 |
| Return on Equity (ROE) | 16.8660% | 870 |
| Retained earnings to average equity (ytd only) | 6.0116% | 2,896 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2604% | 3,883 |
| Assets per employee ($millions) | 7.0339% | 1,787 |
| Cash dividends to net income (ytd only)* | 64.3564% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6103% | 1,262 |
| Loan loss allowance to noncurrent loans | 213.6081% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.5079% | 1,865 |
| Noncurrent loans to loans | 0.7539% | 1,732 |
| Net loans and leases to total assets | 66.2810% | 1,762 |
| Net loans and leases to deposits | 74.5155% | 2,065 |
| Net loans and leases to core deposits | 76.6125% | 2,299 |
| Total domestic deposits to total assets | 88.9492% | 1,367 |
| Equity capital to assets | 9.5126% | 3,192 |
| Core capital (leverage) ratio | 8.4862% | 4,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1212% | 2,240 |
| Memoranda: | ||
| Average total assets | $247,749,000 | 2,741 |
| Average earning assets | $230,983,000 | 2,739 |
| Average equity | $23,953,500 | 2,934 |
| Average total loans | $169,922,500 | 2,516 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7694% | 773 |
| Cost of funding earning assets | 0.5379% | 2,699 |
| Net interest margin | 4.2314% | 594 |
| Noninterest income to average assets | 0.5503% | 2,417 |
| Noninterest expense to average assets | 2.6354% | 2,436 |
| Loan and lease loss provision to assets | 0.4249% | 691 |
| Net operating income to assets | 1.3316% | 1,171 |
| Return on assets (ROA) | 1.3393% | 1,246 |
| Pretax return on assets | 1.4058% | 1,640 |
| Return on Equity (ROE) | 12.5241% | 1,170 |
| Retained earnings to average equity (ytd only) | 1.5934% | 3,995 |
| Net charge-offs to loans | 0.5410% | 284 |
| Credit loss provision to net charge-offs | 94.6894% | 2,894 |
| Earnings coverage of net charge-offs (x) | 4.0621% | 3,033 |
| Efficiency ratio | 59.1166% | 3,576 |
| Assets per employee ($millions) | 6.9222% | 1,629 |
| Cash dividends to net income (ytd only)* | 87.2776% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 1,467 |
| Loan loss allowance to noncurrent loans | 199.6157% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 1,949 |
| Noncurrent loans to loans | 0.7686% | 1,791 |
| Net loans and leases to total assets | 68.7906% | 1,721 |
| Net loans and leases to deposits | 77.6618% | 2,107 |
| Net loans and leases to core deposits | 80.8522% | 2,286 |
| Total domestic deposits to total assets | 88.5771% | 1,180 |
| Equity capital to assets | 9.8313% | 3,281 |
| Core capital (leverage) ratio | 8.6634% | 4,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6198% | 2,395 |
| Memoranda: | ||
| Average total assets | $222,429,000 | 2,777 |
| Average earning assets | $205,414,800 | 2,784 |
| Average equity | $23,786,200 | 2,885 |
| Average total loans | $184,480,200 | 2,374 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0901% | 513 |
| Cost of funding earning assets | 0.5868% | 2,692 |
| Net interest margin | 4.5033% | 369 |
| Noninterest income to average assets | 0.5291% | 2,481 |
| Noninterest expense to average assets | 2.6523% | 2,382 |
| Loan and lease loss provision to assets | 0.3311% | 1,171 |
| Net operating income to assets | 1.6196% | 689 |
| Return on assets (ROA) | 1.6302% | 746 |
| Pretax return on assets | 1.7069% | 962 |
| Return on Equity (ROE) | 14.9098% | 703 |
| Retained earnings to average equity (ytd only) | 3.9756% | 3,062 |
| Net charge-offs to loans | -0.0014% | 3,848 |
| Credit loss provision to net charge-offs | -27,000.0000% | 4,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6824% | 3,835 |
| Assets per employee ($millions) | 6.2174% | 2,072 |
| Cash dividends to net income (ytd only)* | 73.3358% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 938 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 83.8791% | 289 |
| Net loans and leases to deposits | 95.8562% | 770 |
| Net loans and leases to core deposits | 100.1734% | 1,153 |
| Total domestic deposits to total assets | 87.5051% | 1,449 |
| Equity capital to assets | 10.7927% | 2,550 |
| Core capital (leverage) ratio | 9.4460% | 3,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6705% | 2,735 |
| Memoranda: | ||
| Average total assets | $217,467,250 | 2,798 |
| Average earning assets | $200,409,750 | 2,805 |
| Average equity | $23,778,000 | 2,884 |
| Average total loans | $188,285,250 | 2,342 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3142% | 467 |
| Cost of funding earning assets | 0.6480% | 2,709 |
| Net interest margin | 4.6662% | 363 |
| Noninterest income to average assets | 0.5396% | 2,397 |
| Noninterest expense to average assets | 2.7918% | 2,118 |
| Loan and lease loss provision to assets | 0.1254% | 2,777 |
| Net operating income to assets | 1.8461% | 456 |
| Return on assets (ROA) | 1.8621% | 483 |
| Pretax return on assets | 1.9392% | 628 |
| Return on Equity (ROE) | 16.9544% | 458 |
| Retained earnings to average equity (ytd only) | 5.9615% | 2,099 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6857% | 3,734 |
| Assets per employee ($millions) | 6.1666% | 2,050 |
| Cash dividends to net income (ytd only)* | 64.8379% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 1,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 86.3656% | 121 |
| Net loans and leases to deposits | 98.8396% | 615 |
| Net loans and leases to core deposits | 104.8759% | 955 |
| Total domestic deposits to total assets | 87.3796% | 1,457 |
| Equity capital to assets | 10.8821% | 2,440 |
| Core capital (leverage) ratio | 9.4707% | 3,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4638% | 2,833 |
| Memoranda: | ||
| Average total assets | $215,347,333 | 2,793 |
| Average earning assets | $198,447,667 | 2,793 |
| Average equity | $23,651,667 | 2,879 |
| Average total loans | $187,401,667 | 2,332 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0721% | 844 |
| Cost of funding earning assets | 0.7702% | 2,544 |
| Net interest margin | 4.3019% | 759 |
| Noninterest income to average assets | 0.4849% | 2,635 |
| Noninterest expense to average assets | 3.1450% | 1,536 |
| Loan and lease loss provision to assets | 0.0566% | 3,054 |
| Net operating income to assets | 1.1659% | 1,639 |
| Return on assets (ROA) | 1.1659% | 1,749 |
| Pretax return on assets | 1.2452% | 2,048 |
| Return on Equity (ROE) | 10.5648% | 1,549 |
| Retained earnings to average equity (ytd only) | -0.5470% | 4,082 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7255% | 2,255 |
| Assets per employee ($millions) | 5.7845% | 1,856 |
| Cash dividends to net income (ytd only)* | 105.1780% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 1,556 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 85.8162% | 152 |
| Net loans and leases to deposits | 98.3186% | 677 |
| Net loans and leases to core deposits | 102.6330% | 1,271 |
| Total domestic deposits to total assets | 87.2838% | 1,432 |
| Equity capital to assets | 10.9482% | 2,906 |
| Core capital (leverage) ratio | 9.5916% | 3,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0741% | 3,077 |
| Memoranda: | ||
| Average total assets | $212,022,000 | 2,774 |
| Average earning assets | $195,264,500 | 2,778 |
| Average equity | $23,398,500 | 2,893 |
| Average total loans | $183,845,000 | 2,318 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1746% | 1,054 |
| Cost of funding earning assets | 0.9530% | 1,943 |
| Net interest margin | 4.2216% | 1,274 |
| Noninterest income to average assets | 0.4956% | 2,766 |
| Noninterest expense to average assets | 2.6639% | 2,983 |
| Loan and lease loss provision to assets | 0.2393% | 790 |
| Net operating income to assets | 1.4164% | 1,289 |
| Return on assets (ROA) | 1.4247% | 1,331 |
| Pretax return on assets | 1.4965% | 1,817 |
| Return on Equity (ROE) | 13.4963% | 1,011 |
| Retained earnings to average equity (ytd only) | 1.7263% | 4,114 |
| Net charge-offs to loans | 0.0016% | 3,656 |
| Credit loss provision to net charge-offs | 17,333.3333% | 19 |
| Earnings coverage of net charge-offs (x) | 1,251.0000% | 77 |
| Efficiency ratio | 60.6686% | 3,592 |
| Assets per employee ($millions) | 5.8338% | 1,765 |
| Cash dividends to net income (ytd only)* | 87.2093% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4613% | 1,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 85.0837% | 234 |
| Net loans and leases to deposits | 97.7212% | 783 |
| Net loans and leases to core deposits | 101.9431% | 1,409 |
| Total domestic deposits to total assets | 87.0678% | 1,572 |
| Equity capital to assets | 11.1252% | 2,881 |
| Core capital (leverage) ratio | 9.5645% | 3,996 |
| Tier 1 risk-based capital ratio | 11.1768% | 4,787 |
| Total risk-based capital ratio | 12.4294% | 4,680 |
| Memoranda: | ||
| Average total assets | $217,313,800 | 2,686 |
| Average earning assets | $200,518,600 | 2,710 |
| Average equity | $22,939,600 | 2,871 |
| Average total loans | $186,112,600 | 2,267 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1666% | 1,115 |
| Cost of funding earning assets | 0.9951% | 1,783 |
| Net interest margin | 4.1715% | 1,445 |
| Noninterest income to average assets | 0.4947% | 2,765 |
| Noninterest expense to average assets | 2.6418% | 3,036 |
| Loan and lease loss provision to assets | 0.2981% | 494 |
| Net operating income to assets | 1.3355% | 1,699 |
| Return on assets (ROA) | 1.3465% | 1,730 |
| Pretax return on assets | 1.4176% | 2,243 |
| Return on Equity (ROE) | 12.9223% | 1,309 |
| Retained earnings to average equity (ytd only) | 1.0978% | 4,544 |
| Net charge-offs to loans | 0.0007% | 3,442 |
| Credit loss provision to net charge-offs | 49,000.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 2,807.9474% | 21 |
| Efficiency ratio | 60.7868% | 3,506 |
| Assets per employee ($millions) | 5.5005% | 2,034 |
| Cash dividends to net income (ytd only)* | 91.5047% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 1,435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 86.0985% | 187 |
| Net loans and leases to deposits | 98.7722% | 742 |
| Net loans and leases to core deposits | 103.0338% | 1,408 |
| Total domestic deposits to total assets | 87.1687% | 1,440 |
| Equity capital to assets | 11.0836% | 3,027 |
| Core capital (leverage) ratio | 9.4407% | 4,232 |
| Tier 1 risk-based capital ratio | 10.8782% | 4,959 |
| Total risk-based capital ratio | 12.1305% | 4,856 |
| Memoranda: | ||
| Average total assets | $219,137,750 | 2,690 |
| Average earning assets | $202,321,250 | 2,707 |
| Average equity | $22,833,250 | 2,905 |
| Average total loans | $187,305,500 | 2,283 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1013% | 1,217 |
| Cost of funding earning assets | 1.0039% | 1,677 |
| Net interest margin | 4.0974% | 1,615 |
| Noninterest income to average assets | 0.4225% | 3,117 |
| Noninterest expense to average assets | 2.7343% | 2,804 |
| Loan and lease loss provision to assets | 0.4135% | 292 |
| Net operating income to assets | 0.9941% | 2,945 |
| Return on assets (ROA) | 0.9941% | 3,011 |
| Pretax return on assets | 1.0642% | 3,339 |
| Return on Equity (ROE) | 9.7351% | 2,513 |
| Retained earnings to average equity (ytd only) | -2.1477% | 4,922 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9168% | 2,990 |
| Assets per employee ($millions) | 5.7390% | 1,752 |
| Cash dividends to net income (ytd only)* | 122.0615% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3861% | 1,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 84.5907% | 321 |
| Net loans and leases to deposits | 96.3040% | 1,004 |
| Net loans and leases to core deposits | 102.2725% | 1,530 |
| Total domestic deposits to total assets | 87.8371% | 1,177 |
| Equity capital to assets | 10.4209% | 3,590 |
| Core capital (leverage) ratio | 8.4627% | 4,977 |
| Tier 1 risk-based capital ratio | 10.4066% | 5,138 |
| Total risk-based capital ratio | 11.6587% | 5,055 |
| Memoranda: | ||
| Average total assets | $222,510,330 | 2,671 |
| Average earning assets | $205,790,670 | 2,678 |
| Average equity | $22,722,000 | 2,909 |
| Average total loans | $188,879,000 | 2,269 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9072% | 1,568 |
| Cost of funding earning assets | 0.9357% | 1,860 |
| Net interest margin | 3.9715% | 1,942 |
| Noninterest income to average assets | 0.3827% | 3,307 |
| Noninterest expense to average assets | 3.0152% | 1,953 |
| Loan and lease loss provision to assets | 0.0534% | 2,597 |
| Net operating income to assets | 0.9238% | 3,147 |
| Return on assets (ROA) | 0.9238% | 3,181 |
| Pretax return on assets | 0.9932% | 3,457 |
| Return on Equity (ROE) | 9.1373% | 2,746 |
| Retained earnings to average equity (ytd only) | -2.7465% | 4,799 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2331% | 1,728 |
| Assets per employee ($millions) | 5.8588% | 1,658 |
| Cash dividends to net income (ytd only)* | 130.0578% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 2,984 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 85.2642% | 255 |
| Net loans and leases to deposits | 97.0729% | 883 |
| Net loans and leases to core deposits | 102.2152% | 1,447 |
| Total domestic deposits to total assets | 87.8352% | 1,430 |
| Equity capital to assets | 10.1961% | 3,623 |
| Core capital (leverage) ratio | 8.8378% | 4,765 |
| Tier 1 risk-based capital ratio | 10.2169% | 5,243 |
| Total risk-based capital ratio | 11.3524% | 5,215 |
| Memoranda: | ||
| Average total assets | $224,724,500 | 2,685 |
| Average earning assets | $208,183,000 | 2,683 |
| Average equity | $22,720,000 | 2,909 |
| Average total loans | $189,783,500 | 2,285 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9130% | 1,248 |
| Cost of funding earning assets | 0.7170% | 1,986 |
| Net interest margin | 4.1960% | 1,395 |
| Noninterest income to average assets | 0.4278% | 3,258 |
| Noninterest expense to average assets | 2.6144% | 3,293 |
| Loan and lease loss provision to assets | 0.0485% | 3,210 |
| Net operating income to assets | 1.5551% | 981 |
| Return on assets (ROA) | 1.5551% | 974 |
| Pretax return on assets | 1.6341% | 1,364 |
| Return on Equity (ROE) | 15.1702% | 788 |
| Retained earnings to average equity (ytd only) | 3.9030% | 3,436 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8429% | 3,719 |
| Assets per employee ($millions) | 6.1301% | 1,434 |
| Cash dividends to net income (ytd only)* | 74.2721% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 2,888 |
| Loan loss allowance to noncurrent loans | 4,266.0000% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 4,767 |
| Noncurrent loans to loans | 0.0267% | 4,655 |
| Net loans and leases to total assets | 81.7600% | 686 |
| Net loans and leases to deposits | 92.6382% | 1,452 |
| Net loans and leases to core deposits | 97.4933% | 1,911 |
| Total domestic deposits to total assets | 88.2574% | 1,178 |
| Equity capital to assets | 10.0258% | 3,664 |
| Core capital (leverage) ratio | 8.8899% | 4,746 |
| Tier 1 risk-based capital ratio | 10.5228% | 5,170 |
| Total risk-based capital ratio | 11.6669% | 5,121 |
| Memoranda: | ||
| Average total assets | $216,455,600 | 2,714 |
| Average earning assets | $199,594,200 | 2,723 |
| Average equity | $22,188,200 | 2,886 |
| Average total loans | $187,237,600 | 2,277 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8856% | 1,197 |
| Cost of funding earning assets | 0.6524% | 2,141 |
| Net interest margin | 4.2332% | 1,278 |
| Noninterest income to average assets | 0.4358% | 3,248 |
| Noninterest expense to average assets | 2.6365% | 3,179 |
| Loan and lease loss provision to assets | 0.0468% | 3,049 |
| Net operating income to assets | 1.5735% | 1,015 |
| Return on assets (ROA) | 1.5735% | 1,017 |
| Pretax return on assets | 1.6521% | 1,408 |
| Return on Equity (ROE) | 15.2617% | 830 |
| Retained earnings to average equity (ytd only) | 3.9243% | 3,814 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8139% | 3,685 |
| Assets per employee ($millions) | 5.8600% | 1,598 |
| Cash dividends to net income (ytd only)* | 74.2869% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 3,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 87.3591% | 165 |
| Net loans and leases to deposits | 100.4215% | 747 |
| Net loans and leases to core deposits | 107.3417% | 1,208 |
| Total domestic deposits to total assets | 86.9924% | 1,737 |
| Equity capital to assets | 10.3182% | 3,313 |
| Core capital (leverage) ratio | 9.1676% | 4,547 |
| Tier 1 risk-based capital ratio | 10.1478% | 5,347 |
| Total risk-based capital ratio | 11.2478% | 5,333 |
| Memoranda: | ||
| Average total assets | $213,865,750 | 2,758 |
| Average earning assets | $197,008,750 | 2,762 |
| Average equity | $22,050,250 | 2,913 |
| Average total loans | $187,152,750 | 2,283 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8018% | 1,243 |
| Cost of funding earning assets | 0.5961% | 2,255 |
| Net interest margin | 4.2056% | 1,280 |
| Noninterest income to average assets | 0.4134% | 3,402 |
| Noninterest expense to average assets | 2.7377% | 2,886 |
| Loan and lease loss provision to assets | 0.0423% | 3,055 |
| Net operating income to assets | 1.4318% | 1,334 |
| Return on assets (ROA) | 1.4318% | 1,335 |
| Pretax return on assets | 1.5107% | 1,773 |
| Return on Equity (ROE) | 13.8905% | 1,107 |
| Retained earnings to average equity (ytd only) | 2.4974% | 4,258 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8056% | 3,340 |
| Assets per employee ($millions) | 5.8068% | 1,633 |
| Cash dividends to net income (ytd only)* | 82.0210% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 3,275 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 86.8831% | 205 |
| Net loans and leases to deposits | 102.6726% | 611 |
| Net loans and leases to core deposits | 108.7250% | 1,072 |
| Total domestic deposits to total assets | 84.6215% | 2,830 |
| Equity capital to assets | 10.2727% | 3,367 |
| Core capital (leverage) ratio | 9.0923% | 4,597 |
| Tier 1 risk-based capital ratio | 10.1566% | 5,387 |
| Total risk-based capital ratio | 11.2632% | 5,368 |
| Memoranda: | ||
| Average total assets | $212,881,000 | 2,782 |
| Average earning assets | $196,260,000 | 2,791 |
| Average equity | $21,943,000 | 2,931 |
| Average total loans | $185,698,670 | 2,303 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6704% | 1,378 |
| Cost of funding earning assets | 0.5544% | 2,365 |
| Net interest margin | 4.1160% | 1,399 |
| Noninterest income to average assets | 0.4134% | 3,366 |
| Noninterest expense to average assets | 3.0109% | 2,037 |
| Loan and lease loss provision to assets | 0.0283% | 3,145 |
| Net operating income to assets | 1.0930% | 2,455 |
| Return on assets (ROA) | 1.0930% | 2,469 |
| Pretax return on assets | 1.1723% | 2,880 |
| Return on Equity (ROE) | 10.5855% | 2,134 |
| Retained earnings to average equity (ytd only) | -0.8410% | 4,898 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4926% | 2,265 |
| Assets per employee ($millions) | 6.0326% | 1,490 |
| Cash dividends to net income (ytd only)* | 107.9447% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 3,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 87.6149% | 154 |
| Net loans and leases to deposits | 100.1993% | 691 |
| Net loans and leases to core deposits | 104.8476% | 1,318 |
| Total domestic deposits to total assets | 87.4406% | 1,933 |
| Equity capital to assets | 10.3183% | 3,256 |
| Core capital (leverage) ratio | 9.0335% | 4,646 |
| Tier 1 risk-based capital ratio | 10.1093% | 5,469 |
| Total risk-based capital ratio | 11.2134% | 5,454 |
| Memoranda: | ||
| Average total assets | $211,895,500 | 2,819 |
| Average earning assets | $195,531,000 | 2,825 |
| Average equity | $21,879,000 | 2,964 |
| Average total loans | $184,176,500 | 2,331 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5954% | 1,446 |
| Cost of funding earning assets | 0.4706% | 2,601 |
| Net interest margin | 4.1248% | 1,363 |
| Noninterest income to average assets | 0.4591% | 3,251 |
| Noninterest expense to average assets | 2.7583% | 2,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4245% | 964 |
| Return on assets (ROA) | 1.4245% | 983 |
| Pretax return on assets | 1.4959% | 1,660 |
| Return on Equity (ROE) | 13.5514% | 840 |
| Retained earnings to average equity (ytd only) | 2.4702% | 3,854 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8374% | 3,475 |
| Assets per employee ($millions) | 5.9070% | 1,583 |
| Cash dividends to net income (ytd only)* | 81.7717% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 3,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 84.3128% | 416 |
| Net loans and leases to deposits | 95.7306% | 1,112 |
| Net loans and leases to core deposits | 101.7242% | 1,570 |
| Total domestic deposits to total assets | 88.0729% | 1,461 |
| Equity capital to assets | 10.3324% | 3,348 |
| Core capital (leverage) ratio | 9.1292% | 4,486 |
| Tier 1 risk-based capital ratio | 10.1310% | 5,500 |
| Total risk-based capital ratio | 11.2267% | 5,484 |
| Memoranda: | ||
| Average total assets | $206,033,800 | 2,861 |
| Average earning assets | $189,559,400 | 2,870 |
| Average equity | $21,658,200 | 2,982 |
| Average total loans | $178,618,200 | 2,343 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5720% | 1,442 |
| Cost of funding earning assets | 0.4561% | 2,652 |
| Net interest margin | 4.1159% | 1,352 |
| Noninterest income to average assets | 0.4651% | 3,244 |
| Noninterest expense to average assets | 2.7771% | 2,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3908% | 1,107 |
| Return on assets (ROA) | 1.3908% | 1,126 |
| Pretax return on assets | 1.4730% | 1,869 |
| Return on Equity (ROE) | 13.1725% | 1,017 |
| Retained earnings to average equity (ytd only) | 2.2057% | 4,535 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3415% | 3,322 |
| Assets per employee ($millions) | 5.7045% | 1,712 |
| Cash dividends to net income (ytd only)* | 83.2551% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 3,314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 86.4157% | 230 |
| Net loans and leases to deposits | 100.8742% | 682 |
| Net loans and leases to core deposits | 105.8248% | 1,285 |
| Total domestic deposits to total assets | 85.6668% | 2,447 |
| Equity capital to assets | 10.6446% | 3,224 |
| Core capital (leverage) ratio | 9.3443% | 4,357 |
| Tier 1 risk-based capital ratio | 10.1987% | 5,548 |
| Total risk-based capital ratio | 11.3122% | 5,542 |
| Memoranda: | ||
| Average total assets | $204,379,500 | 2,902 |
| Average earning assets | $187,950,000 | 2,913 |
| Average equity | $21,579,750 | 3,014 |
| Average total loans | $177,942,750 | 2,357 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5452% | 1,401 |
| Cost of funding earning assets | 0.4557% | 2,549 |
| Net interest margin | 4.0895% | 1,355 |
| Noninterest income to average assets | 0.4695% | 3,223 |
| Noninterest expense to average assets | 2.8797% | 2,490 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2722% | 1,371 |
| Return on assets (ROA) | 1.2722% | 1,397 |
| Pretax return on assets | 1.3546% | 2,192 |
| Return on Equity (ROE) | 12.0821% | 1,276 |
| Retained earnings to average equity (ytd only) | 1.1449% | 4,779 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0093% | 3,014 |
| Assets per employee ($millions) | 5.6969% | 1,703 |
| Cash dividends to net income (ytd only)* | 90.5239% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 3,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 87.4653% | 175 |
| Net loans and leases to deposits | 100.5054% | 701 |
| Net loans and leases to core deposits | 104.7002% | 1,312 |
| Total domestic deposits to total assets | 87.0254% | 1,941 |
| Equity capital to assets | 10.8566% | 2,955 |
| Core capital (leverage) ratio | 9.1570% | 4,547 |
| Tier 1 risk-based capital ratio | 10.0503% | 5,613 |
| Total risk-based capital ratio | 11.1616% | 5,611 |
| Memoranda: | ||
| Average total assets | $204,052,000 | 2,922 |
| Average earning assets | $187,847,670 | 2,935 |
| Average equity | $21,486,330 | 3,030 |
| Average total loans | $177,426,000 | 2,365 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4057% | 1,631 |
| Cost of funding earning assets | 0.4877% | 2,185 |
| Net interest margin | 3.9181% | 1,715 |
| Noninterest income to average assets | 0.4652% | 3,221 |
| Noninterest expense to average assets | 3.1359% | 1,776 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8605% | 2,942 |
| Return on assets (ROA) | 0.8605% | 2,985 |
| Pretax return on assets | 0.9419% | 3,619 |
| Return on Equity (ROE) | 8.2967% | 2,765 |
| Retained earnings to average equity (ytd only) | -2.4479% | 5,216 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9011% | 1,772 |
| Assets per employee ($millions) | 5.9106% | 1,577 |
| Cash dividends to net income (ytd only)* | 129.5045% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 3,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 85.0971% | 279 |
| Net loans and leases to deposits | 96.7349% | 869 |
| Net loans and leases to core deposits | 101.6591% | 1,390 |
| Total domestic deposits to total assets | 87.9694% | 1,735 |
| Equity capital to assets | 10.3214% | 3,382 |
| Core capital (leverage) ratio | 8.8774% | 4,874 |
| Tier 1 risk-based capital ratio | 9.8638% | 5,727 |
| Total risk-based capital ratio | 10.9698% | 5,735 |
| Memoranda: | ||
| Average total assets | $206,383,000 | 2,923 |
| Average earning assets | $190,297,000 | 2,930 |
| Average equity | $21,406,000 | 3,043 |
| Average total loans | $177,926,500 | 2,382 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5773% | 1,334 |
| Cost of funding earning assets | 0.3809% | 3,194 |
| Net interest margin | 4.1964% | 1,124 |
| Noninterest income to average assets | 0.5635% | 2,846 |
| Noninterest expense to average assets | 2.6415% | 3,554 |
| Loan and lease loss provision to assets | 0.1029% | 2,328 |
| Net operating income to assets | 1.5928% | 691 |
| Return on assets (ROA) | 1.5802% | 742 |
| Pretax return on assets | 1.6601% | 1,105 |
| Return on Equity (ROE) | 15.1826% | 607 |
| Retained earnings to average equity (ytd only) | 1.8831% | 4,461 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7937% | 4,616 |
| Assets per employee ($millions) | 5.8827% | 1,555 |
| Cash dividends to net income (ytd only)* | 87.5969% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 3,484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 85.3619% | 272 |
| Net loans and leases to deposits | 98.0787% | 821 |
| Net loans and leases to core deposits | 102.6396% | 1,400 |
| Total domestic deposits to total assets | 87.0341% | 2,130 |
| Equity capital to assets | 10.4228% | 3,244 |
| Core capital (leverage) ratio | 9.0215% | 4,716 |
| Tier 1 risk-based capital ratio | 9.9604% | 5,749 |
| Total risk-based capital ratio | 11.0692% | 5,751 |
| Memoranda: | ||
| Average total assets | $204,089,000 | 2,912 |
| Average earning assets | $187,446,600 | 2,924 |
| Average equity | $21,241,400 | 3,046 |
| Average total loans | $182,176,400 | 2,292 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5956% | 1,299 |
| Cost of funding earning assets | 0.3666% | 3,369 |
| Net interest margin | 4.2291% | 1,060 |
| Noninterest income to average assets | 0.5808% | 2,760 |
| Noninterest expense to average assets | 2.6563% | 3,478 |
| Loan and lease loss provision to assets | 0.0982% | 2,259 |
| Net operating income to assets | 1.6314% | 681 |
| Return on assets (ROA) | 1.6146% | 750 |
| Pretax return on assets | 1.6912% | 1,134 |
| Return on Equity (ROE) | 15.5188% | 610 |
| Retained earnings to average equity (ytd only) | 2.3033% | 4,543 |
| Net charge-offs to loans | 0.0022% | 3,860 |
| Credit loss provision to net charge-offs | 5,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 919.9775% | 91 |
| Efficiency ratio | 59.5130% | 4,612 |
| Assets per employee ($millions) | 5.7946% | 1,584 |
| Cash dividends to net income (ytd only)* | 85.1581% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 4,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 90.0469% | 68 |
| Net loans and leases to deposits | 110.7294% | 244 |
| Net loans and leases to core deposits | 116.4699% | 639 |
| Total domestic deposits to total assets | 81.3216% | 4,163 |
| Equity capital to assets | 10.5965% | 3,459 |
| Core capital (leverage) ratio | 9.0927% | 4,722 |
| Tier 1 risk-based capital ratio | 9.6152% | 5,865 |
| Total risk-based capital ratio | 10.6543% | 5,881 |
| Memoranda: | ||
| Average total assets | $203,637,750 | 2,929 |
| Average earning assets | $186,955,000 | 2,944 |
| Average equity | $21,186,750 | 3,072 |
| Average total loans | $183,274,750 | 2,285 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5577% | 1,366 |
| Cost of funding earning assets | 0.3512% | 3,554 |
| Net interest margin | 4.2065% | 1,101 |
| Noninterest income to average assets | 0.5306% | 3,002 |
| Noninterest expense to average assets | 2.7522% | 3,187 |
| Loan and lease loss provision to assets | 0.0883% | 2,378 |
| Net operating income to assets | 1.4777% | 927 |
| Return on assets (ROA) | 1.4526% | 1,019 |
| Pretax return on assets | 1.5291% | 1,591 |
| Return on Equity (ROE) | 14.0477% | 821 |
| Retained earnings to average equity (ytd only) | 1.0054% | 4,986 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6060% | 4,249 |
| Assets per employee ($millions) | 5.7115% | 1,611 |
| Cash dividends to net income (ytd only)* | 92.8427% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 4,371 |
| Loan loss allowance to noncurrent loans | 5,300.0000% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 5,529 |
| Noncurrent loans to loans | 0.0194% | 5,396 |
| Net loans and leases to total assets | 89.5134% | 81 |
| Net loans and leases to deposits | 113.2202% | 188 |
| Net loans and leases to core deposits | 118.0251% | 572 |
| Total domestic deposits to total assets | 79.0614% | 4,772 |
| Equity capital to assets | 10.3280% | 3,818 |
| Core capital (leverage) ratio | 8.8638% | 4,985 |
| Tier 1 risk-based capital ratio | 9.5249% | 5,943 |
| Total risk-based capital ratio | 10.5389% | 5,967 |
| Memoranda: | ||
| Average total assets | $203,913,000 | 2,941 |
| Average earning assets | $187,376,000 | 2,959 |
| Average equity | $21,085,330 | 3,090 |
| Average total loans | $182,836,000 | 2,288 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4929% | 1,528 |
| Cost of funding earning assets | 0.3382% | 3,741 |
| Net interest margin | 4.1547% | 1,206 |
| Noninterest income to average assets | 0.5476% | 2,819 |
| Noninterest expense to average assets | 3.0395% | 2,272 |
| Loan and lease loss provision to assets | 0.0591% | 2,775 |
| Net operating income to assets | 1.1925% | 1,585 |
| Return on assets (ROA) | 1.1425% | 1,858 |
| Pretax return on assets | 1.2193% | 2,620 |
| Return on Equity (ROE) | 11.0424% | 1,587 |
| Retained earnings to average equity (ytd only) | -1.8087% | 5,369 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5358% | 3,209 |
| Assets per employee ($millions) | 5.6099% | 1,738 |
| Cash dividends to net income (ytd only)* | 116.3793% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 4,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 89.2384% | 79 |
| Net loans and leases to deposits | 106.5047% | 320 |
| Net loans and leases to core deposits | 111.2473% | 794 |
| Total domestic deposits to total assets | 83.7882% | 3,601 |
| Equity capital to assets | 10.4140% | 3,597 |
| Core capital (leverage) ratio | 8.8782% | 4,984 |
| Tier 1 risk-based capital ratio | 9.5956% | 5,995 |
| Total risk-based capital ratio | 10.5962% | 6,018 |
| Memoranda: | ||
| Average total assets | $203,062,000 | 2,956 |
| Average earning assets | $186,872,500 | 2,968 |
| Average equity | $21,010,000 | 3,100 |
| Average total loans | $181,273,500 | 2,298 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3981% | 1,910 |
| Cost of funding earning assets | 0.3157% | 4,079 |
| Net interest margin | 4.0825% | 1,453 |
| Noninterest income to average assets | 0.4425% | 3,728 |
| Noninterest expense to average assets | 2.5341% | 4,117 |
| Loan and lease loss provision to assets | 0.0594% | 3,118 |
| Net operating income to assets | 1.5341% | 806 |
| Return on assets (ROA) | 1.5304% | 842 |
| Pretax return on assets | 1.6086% | 1,221 |
| Return on Equity (ROE) | 15.0972% | 671 |
| Retained earnings to average equity (ytd only) | 4.1112% | 3,079 |
| Net charge-offs to loans | 0.0006% | 4,457 |
| Credit loss provision to net charge-offs | 12,000.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 3,378.0000% | 6 |
| Efficiency ratio | 60.2495% | 4,877 |
| Assets per employee ($millions) | 5.5180% | 1,789 |
| Cash dividends to net income (ytd only)* | 72.7684% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 4,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 87.5058% | 145 |
| Net loans and leases to deposits | 102.9682% | 490 |
| Net loans and leases to core deposits | 107.4286% | 1,005 |
| Total domestic deposits to total assets | 84.9833% | 3,096 |
| Equity capital to assets | 10.2799% | 3,647 |
| Core capital (leverage) ratio | 8.9545% | 4,935 |
| Tier 1 risk-based capital ratio | 9.5611% | 6,036 |
| Total risk-based capital ratio | 10.5367% | 6,071 |
| Memoranda: | ||
| Average total assets | $202,044,200 | 2,926 |
| Average earning assets | $186,260,200 | 2,927 |
| Average equity | $20,480,600 | 3,125 |
| Average total loans | $176,465,600 | 2,278 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3947% | 1,934 |
| Cost of funding earning assets | 0.3127% | 4,190 |
| Net interest margin | 4.0820% | 1,451 |
| Noninterest income to average assets | 0.4512% | 3,704 |
| Noninterest expense to average assets | 2.4917% | 4,221 |
| Loan and lease loss provision to assets | 0.0595% | 2,994 |
| Net operating income to assets | 1.5906% | 782 |
| Return on assets (ROA) | 1.5899% | 821 |
| Pretax return on assets | 1.6647% | 1,200 |
| Return on Equity (ROE) | 15.7412% | 631 |
| Retained earnings to average equity (ytd only) | 2.9674% | 4,342 |
| Net charge-offs to loans | 0.0008% | 4,170 |
| Credit loss provision to net charge-offs | 9,000.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 2,613.4662% | 16 |
| Efficiency ratio | 59.0930% | 4,997 |
| Assets per employee ($millions) | 5.4186% | 1,856 |
| Cash dividends to net income (ytd only)* | 81.1487% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 4,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 87.5673% | 159 |
| Net loans and leases to deposits | 106.5026% | 350 |
| Net loans and leases to core deposits | 111.1475% | 806 |
| Total domestic deposits to total assets | 82.2209% | 4,093 |
| Equity capital to assets | 10.2934% | 3,822 |
| Core capital (leverage) ratio | 8.8694% | 5,154 |
| Tier 1 risk-based capital ratio | 9.5491% | 6,135 |
| Total risk-based capital ratio | 10.5288% | 6,152 |
| Memoranda: | ||
| Average total assets | $201,513,750 | 2,953 |
| Average earning assets | $185,886,250 | 2,956 |
| Average equity | $20,353,750 | 3,167 |
| Average total loans | $175,463,250 | 2,298 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3472% | 2,022 |
| Cost of funding earning assets | 0.3022% | 4,374 |
| Net interest margin | 4.0450% | 1,509 |
| Noninterest income to average assets | 0.4439% | 3,751 |
| Noninterest expense to average assets | 2.4939% | 4,259 |
| Loan and lease loss provision to assets | 0.0594% | 2,911 |
| Net operating income to assets | 1.5556% | 824 |
| Return on assets (ROA) | 1.5556% | 852 |
| Pretax return on assets | 1.6299% | 1,251 |
| Return on Equity (ROE) | 15.4990% | 665 |
| Retained earnings to average equity (ytd only) | 2.6654% | 4,359 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6163% | 5,033 |
| Assets per employee ($millions) | 5.4442% | 1,796 |
| Cash dividends to net income (ytd only)* | 82.8025% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 4,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 86.8463% | 189 |
| Net loans and leases to deposits | 104.1589% | 441 |
| Net loans and leases to core deposits | 108.0204% | 951 |
| Total domestic deposits to total assets | 83.3787% | 3,803 |
| Equity capital to assets | 10.1050% | 3,917 |
| Core capital (leverage) ratio | 8.6899% | 5,332 |
| Tier 1 risk-based capital ratio | 9.5421% | 6,196 |
| Total risk-based capital ratio | 10.5154% | 6,211 |
| Memoranda: | ||
| Average total assets | $201,855,670 | 2,975 |
| Average earning assets | $186,603,000 | 2,965 |
| Average equity | $20,259,330 | 3,189 |
| Average total loans | $174,834,330 | 2,317 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2336% | 2,335 |
| Cost of funding earning assets | 0.2951% | 4,495 |
| Net interest margin | 3.9385% | 1,752 |
| Noninterest income to average assets | 0.4276% | 3,781 |
| Noninterest expense to average assets | 2.4645% | 4,392 |
| Loan and lease loss provision to assets | 0.0594% | 2,742 |
| Net operating income to assets | 1.4748% | 895 |
| Return on assets (ROA) | 1.4748% | 954 |
| Pretax return on assets | 1.5500% | 1,393 |
| Return on Equity (ROE) | 14.7441% | 747 |
| Retained earnings to average equity (ytd only) | 1.8801% | 4,721 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4956% | 5,030 |
| Assets per employee ($millions) | 5.4253% | 1,860 |
| Cash dividends to net income (ytd only)* | 87.2483% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 5,075 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 85.9507% | 193 |
| Net loans and leases to deposits | 99.9664% | 564 |
| Net loans and leases to core deposits | 103.2174% | 1,109 |
| Total domestic deposits to total assets | 85.9796% | 2,951 |
| Equity capital to assets | 10.1193% | 3,986 |
| Core capital (leverage) ratio | 8.6032% | 5,418 |
| Tier 1 risk-based capital ratio | 9.5893% | 6,259 |
| Total risk-based capital ratio | 10.5606% | 6,278 |
| Memoranda: | ||
| Average total assets | $202,066,500 | 2,990 |
| Average earning assets | $187,076,000 | 2,973 |
| Average equity | $20,211,500 | 3,218 |
| Average total loans | $173,903,000 | 2,329 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2674% | 2,715 |
| Cost of funding earning assets | 0.3042% | 4,754 |
| Net interest margin | 3.9632% | 2,000 |
| Noninterest income to average assets | 0.2996% | 4,983 |
| Noninterest expense to average assets | 2.6648% | 3,992 |
| Loan and lease loss provision to assets | 0.0604% | 3,320 |
| Net operating income to assets | 1.1695% | 1,672 |
| Return on assets (ROA) | 1.1876% | 1,695 |
| Pretax return on assets | 1.2470% | 2,457 |
| Return on Equity (ROE) | 11.7271% | 1,485 |
| Retained earnings to average equity (ytd only) | -1.4466% | 5,961 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4096% | 4,000 |
| Assets per employee ($millions) | 5.6499% | 1,651 |
| Cash dividends to net income (ytd only)* | 112.3357% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 5,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 84.4870% | 306 |
| Net loans and leases to deposits | 97.5754% | 788 |
| Net loans and leases to core deposits | 100.5312% | 1,359 |
| Total domestic deposits to total assets | 86.5863% | 2,519 |
| Equity capital to assets | 9.8871% | 4,249 |
| Core capital (leverage) ratio | 8.9089% | 5,108 |
| Tier 1 risk-based capital ratio | 9.3414% | 6,375 |
| Total risk-based capital ratio | 10.2764% | 6,393 |
| Memoranda: | ||
| Average total assets | $198,630,000 | 3,017 |
| Average earning assets | $183,108,400 | 3,000 |
| Average equity | $20,115,800 | 3,145 |
| Average total loans | $169,260,000 | 2,326 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2976% | 2,646 |
| Cost of funding earning assets | 0.3094% | 4,788 |
| Net interest margin | 3.9882% | 1,916 |
| Noninterest income to average assets | 0.4633% | 3,787 |
| Noninterest expense to average assets | 2.5209% | 4,459 |
| Loan and lease loss provision to assets | 0.0608% | 3,145 |
| Net operating income to assets | 1.4847% | 969 |
| Return on assets (ROA) | 1.5093% | 952 |
| Pretax return on assets | 1.5802% | 1,389 |
| Return on Equity (ROE) | 14.8128% | 857 |
| Retained earnings to average equity (ytd only) | 1.8889% | 5,108 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9469% | 5,049 |
| Assets per employee ($millions) | 5.2394% | 1,971 |
| Cash dividends to net income (ytd only)* | 87.2484% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 5,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 86.3606% | 176 |
| Net loans and leases to deposits | 103.4530% | 430 |
| Net loans and leases to core deposits | 107.2038% | 891 |
| Total domestic deposits to total assets | 83.4781% | 3,958 |
| Equity capital to assets | 10.5928% | 3,435 |
| Core capital (leverage) ratio | 9.3110% | 4,626 |
| Tier 1 risk-based capital ratio | 9.9619% | 6,357 |
| Total risk-based capital ratio | 10.9092% | 6,384 |
| Memoranda: | ||
| Average total assets | $197,438,250 | 3,048 |
| Average earning assets | $181,833,750 | 3,036 |
| Average equity | $20,117,250 | 3,157 |
| Average total loans | $168,189,250 | 2,354 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2631% | 2,723 |
| Cost of funding earning assets | 0.3111% | 4,863 |
| Net interest margin | 3.9520% | 1,959 |
| Noninterest income to average assets | 0.4420% | 3,926 |
| Noninterest expense to average assets | 2.5323% | 4,478 |
| Loan and lease loss provision to assets | 0.0604% | 3,063 |
| Net operating income to assets | 1.4264% | 1,006 |
| Return on assets (ROA) | 1.4771% | 946 |
| Pretax return on assets | 1.5476% | 1,399 |
| Return on Equity (ROE) | 14.6862% | 841 |
| Retained earnings to average equity (ytd only) | 1.6718% | 5,067 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9611% | 5,012 |
| Assets per employee ($millions) | 5.1393% | 2,038 |
| Cash dividends to net income (ytd only)* | 88.6162% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 5,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 84.9323% | 238 |
| Net loans and leases to deposits | 102.5263% | 421 |
| Net loans and leases to core deposits | 106.9420% | 837 |
| Total domestic deposits to total assets | 82.8395% | 4,366 |
| Equity capital to assets | 10.4152% | 3,546 |
| Core capital (leverage) ratio | 9.1386% | 4,830 |
| Tier 1 risk-based capital ratio | 10.0973% | 6,369 |
| Total risk-based capital ratio | 11.0466% | 6,423 |
| Memoranda: | ||
| Average total assets | $198,631,670 | 3,048 |
| Average earning assets | $183,198,000 | 3,040 |
| Average equity | $19,978,000 | 3,171 |
| Average total loans | $167,890,330 | 2,359 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1966% | 2,888 |
| Cost of funding earning assets | 0.3135% | 4,937 |
| Net interest margin | 3.8831% | 2,144 |
| Noninterest income to average assets | 0.4453% | 3,819 |
| Noninterest expense to average assets | 2.5302% | 4,521 |
| Loan and lease loss provision to assets | 0.0599% | 2,912 |
| Net operating income to assets | 1.3724% | 1,056 |
| Return on assets (ROA) | 1.3819% | 1,068 |
| Pretax return on assets | 1.4518% | 1,581 |
| Return on Equity (ROE) | 13.9819% | 949 |
| Retained earnings to average equity (ytd only) | 0.8486% | 5,253 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7538% | 5,028 |
| Assets per employee ($millions) | 5.0942% | 2,134 |
| Cash dividends to net income (ytd only)* | 93.9306% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 5,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 83.6348% | 250 |
| Net loans and leases to deposits | 98.2213% | 525 |
| Net loans and leases to core deposits | 101.8337% | 995 |
| Total domestic deposits to total assets | 85.1494% | 3,800 |
| Equity capital to assets | 10.0633% | 3,769 |
| Core capital (leverage) ratio | 8.8578% | 5,193 |
| Tier 1 risk-based capital ratio | 9.9957% | 6,480 |
| Total risk-based capital ratio | 10.9249% | 6,508 |
| Memoranda: | ||
| Average total assets | $200,301,500 | 3,045 |
| Average earning assets | $185,008,500 | 3,034 |
| Average equity | $19,797,000 | 3,189 |
| Average total loans | $168,083,000 | 2,365 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2911% | 2,996 |
| Cost of funding earning assets | 0.3641% | 5,010 |
| Net interest margin | 3.9270% | 2,193 |
| Noninterest income to average assets | 0.4879% | 3,834 |
| Noninterest expense to average assets | 2.7292% | 3,992 |
| Loan and lease loss provision to assets | 0.0603% | 3,936 |
| Net operating income to assets | 1.2305% | 1,450 |
| Return on assets (ROA) | 1.2362% | 1,493 |
| Pretax return on assets | 1.2980% | 2,161 |
| Return on Equity (ROE) | 12.0786% | 1,393 |
| Retained earnings to average equity (ytd only) | -0.4419% | 5,960 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8678% | 4,396 |
| Assets per employee ($millions) | 5.1777% | 1,979 |
| Cash dividends to net income (ytd only)* | 103.6585% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 5,805 |
| Loan loss allowance to noncurrent loans | 6,073.0769% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 6,253 |
| Noncurrent loans to loans | 0.0154% | 6,226 |
| Net loans and leases to total assets | 82.6119% | 359 |
| Net loans and leases to deposits | 97.0199% | 668 |
| Net loans and leases to core deposits | 101.8282% | 1,041 |
| Total domestic deposits to total assets | 85.1494% | 3,665 |
| Equity capital to assets | 9.7068% | 4,158 |
| Core capital (leverage) ratio | 8.8271% | 5,237 |
| Tier 1 risk-based capital ratio | 9.9119% | 6,536 |
| Total risk-based capital ratio | 10.8184% | 6,577 |
| Memoranda: | ||
| Average total assets | $198,997,800 | 3,044 |
| Average earning assets | $182,097,200 | 3,044 |
| Average equity | $20,366,600 | 3,117 |
| Average total loans | $158,597,600 | 2,444 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 3,047 |
| Cost of funding earning assets | 0.3749% | 5,051 |
| Net interest margin | 3.9131% | 2,226 |
| Noninterest income to average assets | 0.4983% | 3,819 |
| Noninterest expense to average assets | 2.5682% | 4,493 |
| Loan and lease loss provision to assets | 0.0605% | 3,837 |
| Net operating income to assets | 1.3721% | 1,168 |
| Return on assets (ROA) | 1.3766% | 1,201 |
| Pretax return on assets | 1.4472% | 1,776 |
| Return on Equity (ROE) | 13.2760% | 1,178 |
| Retained earnings to average equity (ytd only) | 0.6291% | 5,718 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0823% | 4,975 |
| Assets per employee ($millions) | 5.1562% | 1,983 |
| Cash dividends to net income (ytd only)* | 95.2614% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 5,904 |
| Loan loss allowance to noncurrent loans | 5,957.6923% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 4,398 |
| Noncurrent loans to loans | 0.0160% | 6,311 |
| Net loans and leases to total assets | 79.9567% | 551 |
| Net loans and leases to deposits | 95.9361% | 689 |
| Net loans and leases to core deposits | 100.6573% | 1,068 |
| Total domestic deposits to total assets | 83.3438% | 4,445 |
| Equity capital to assets | 9.9801% | 3,925 |
| Core capital (leverage) ratio | 9.1375% | 4,908 |
| Tier 1 risk-based capital ratio | 10.3452% | 6,495 |
| Total risk-based capital ratio | 11.2634% | 6,558 |
| Memoranda: | ||
| Average total assets | $198,264,500 | 3,082 |
| Average earning assets | $181,029,000 | 3,088 |
| Average equity | $20,558,000 | 3,131 |
| Average total loans | $156,147,500 | 2,478 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2345% | 3,219 |
| Cost of funding earning assets | 0.3897% | 5,033 |
| Net interest margin | 3.8448% | 2,396 |
| Noninterest income to average assets | 0.5037% | 3,807 |
| Noninterest expense to average assets | 2.6028% | 4,374 |
| Loan and lease loss provision to assets | 0.0608% | 3,792 |
| Net operating income to assets | 1.2795% | 1,376 |
| Return on assets (ROA) | 1.2862% | 1,454 |
| Pretax return on assets | 1.3572% | 2,092 |
| Return on Equity (ROE) | 12.2484% | 1,415 |
| Retained earnings to average equity (ytd only) | -0.2992% | 5,916 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8485% | 4,734 |
| Assets per employee ($millions) | 4.8044% | 2,366 |
| Cash dividends to net income (ytd only)* | 102.4429% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 5,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7051% | 4,460 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 78.5180% | 693 |
| Net loans and leases to deposits | 89.8129% | 1,167 |
| Net loans and leases to core deposits | 94.2198% | 1,505 |
| Total domestic deposits to total assets | 87.4240% | 2,577 |
| Equity capital to assets | 10.5232% | 3,268 |
| Core capital (leverage) ratio | 8.8516% | 5,222 |
| Tier 1 risk-based capital ratio | 10.9171% | 6,369 |
| Total risk-based capital ratio | 11.8743% | 6,442 |
| Memoranda: | ||
| Average total assets | $197,322,670 | 3,098 |
| Average earning assets | $180,139,330 | 3,111 |
| Average equity | $20,721,000 | 3,124 |
| Average total loans | $154,085,330 | 2,518 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1918% | 3,340 |
| Cost of funding earning assets | 0.3988% | 5,112 |
| Net interest margin | 3.7930% | 2,476 |
| Noninterest income to average assets | 0.5003% | 3,765 |
| Noninterest expense to average assets | 2.5693% | 4,505 |
| Loan and lease loss provision to assets | 0.0600% | 3,638 |
| Net operating income to assets | 1.2647% | 1,364 |
| Return on assets (ROA) | 1.2647% | 1,467 |
| Pretax return on assets | 1.3347% | 2,103 |
| Return on Equity (ROE) | 12.0553% | 1,405 |
| Retained earnings to average equity (ytd only) | -0.3433% | 5,843 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8157% | 4,861 |
| Assets per employee ($millions) | 4.9457% | 2,290 |
| Cash dividends to net income (ytd only)* | 102.8481% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 6,066 |
| Loan loss allowance to noncurrent loans | 7,445.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.6781% | 4,683 |
| Noncurrent loans to loans | 0.0131% | 6,461 |
| Net loans and leases to total assets | 74.5772% | 1,001 |
| Net loans and leases to deposits | 85.3635% | 1,436 |
| Net loans and leases to core deposits | 88.9056% | 1,815 |
| Total domestic deposits to total assets | 87.3643% | 2,717 |
| Equity capital to assets | 10.3233% | 3,767 |
| Core capital (leverage) ratio | 8.8739% | 5,091 |
| Tier 1 risk-based capital ratio | 10.9533% | 6,428 |
| Total risk-based capital ratio | 11.8940% | 6,506 |
| Memoranda: | ||
| Average total assets | $199,896,500 | 3,097 |
| Average earning assets | $182,546,500 | 3,108 |
| Average equity | $20,970,000 | 3,134 |
| Average total loans | $154,922,500 | 2,521 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7421% | 2,423 |
| Cost of funding earning assets | 0.5154% | 5,113 |
| Net interest margin | 4.2267% | 1,587 |
| Noninterest income to average assets | 0.6116% | 3,221 |
| Noninterest expense to average assets | 2.8652% | 3,788 |
| Loan and lease loss provision to assets | 0.0263% | 5,564 |
| Net operating income to assets | 1.4781% | 962 |
| Return on assets (ROA) | 1.5166% | 980 |
| Pretax return on assets | 1.5925% | 1,408 |
| Return on Equity (ROE) | 13.8906% | 1,010 |
| Retained earnings to average equity (ytd only) | 3.9998% | 3,389 |
| Net charge-offs to loans | 0.0387% | 5,379 |
| Credit loss provision to net charge-offs | 86.2069% | 3,615 |
| Earnings coverage of net charge-offs (x) | 51.6552% | 666 |
| Efficiency ratio | 64.4813% | 4,803 |
| Assets per employee ($millions) | 4.4777% | 3,003 |
| Cash dividends to net income (ytd only)* | 71.2053% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9285% | 6,199 |
| Loan loss allowance to noncurrent loans | 7,295.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.6979% | 4,745 |
| Noncurrent loans to loans | 0.0127% | 6,516 |
| Net loans and leases to total assets | 79.0146% | 560 |
| Net loans and leases to deposits | 90.7503% | 1,001 |
| Net loans and leases to core deposits | 95.1995% | 1,373 |
| Total domestic deposits to total assets | 87.0682% | 2,808 |
| Equity capital to assets | 10.6625% | 3,324 |
| Core capital (leverage) ratio | 9.0319% | 4,845 |
| Tier 1 risk-based capital ratio | 10.5915% | 6,517 |
| Total risk-based capital ratio | 11.4819% | 6,605 |
| Memoranda: | ||
| Average total assets | $189,831,200 | 3,177 |
| Average earning assets | $172,096,600 | 3,200 |
| Average equity | $20,726,200 | 3,112 |
| Average total loans | $150,036,200 | 2,573 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8019% | 2,385 |
| Cost of funding earning assets | 0.5409% | 5,156 |
| Net interest margin | 4.2610% | 1,573 |
| Noninterest income to average assets | 0.6077% | 3,225 |
| Noninterest expense to average assets | 2.7207% | 4,286 |
| Loan and lease loss provision to assets | 0.0355% | 5,330 |
| Net operating income to assets | 1.6365% | 784 |
| Return on assets (ROA) | 1.6365% | 863 |
| Pretax return on assets | 1.7110% | 1,239 |
| Return on Equity (ROE) | 14.8977% | 925 |
| Retained earnings to average equity (ytd only) | 6.8292% | 2,221 |
| Net charge-offs to loans | 0.0144% | 5,491 |
| Credit loss provision to net charge-offs | 312.5000% | 856 |
| Earnings coverage of net charge-offs (x) | 153.9578% | 284 |
| Efficiency ratio | 60.9048% | 5,329 |
| Assets per employee ($millions) | 4.2961% | 3,277 |
| Cash dividends to net income (ytd only)* | 54.1595% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 5,982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7168% | 4,896 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 76.5967% | 884 |
| Net loans and leases to deposits | 88.3135% | 1,312 |
| Net loans and leases to core deposits | 93.2757% | 1,656 |
| Total domestic deposits to total assets | 86.7327% | 2,834 |
| Equity capital to assets | 11.3125% | 2,922 |
| Core capital (leverage) ratio | 9.5355% | 4,216 |
| Tier 1 risk-based capital ratio | 11.4309% | 6,267 |
| Total risk-based capital ratio | 12.4066% | 6,388 |
| Memoranda: | ||
| Average total assets | $188,034,500 | 3,227 |
| Average earning assets | $170,317,500 | 3,261 |
| Average equity | $20,656,000 | 3,152 |
| Average total loans | $148,262,250 | 2,630 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8702% | 2,229 |
| Cost of funding earning assets | 0.5577% | 5,247 |
| Net interest margin | 4.3125% | 1,455 |
| Noninterest income to average assets | 0.6180% | 3,142 |
| Noninterest expense to average assets | 2.7394% | 4,253 |
| Loan and lease loss provision to assets | 0.0533% | 4,997 |
| Net operating income to assets | 1.6558% | 742 |
| Return on assets (ROA) | 1.6558% | 826 |
| Pretax return on assets | 1.7304% | 1,182 |
| Return on Equity (ROE) | 15.2253% | 896 |
| Retained earnings to average equity (ytd only) | 4.9379% | 3,311 |
| Net charge-offs to loans | 0.0215% | 5,097 |
| Credit loss provision to net charge-offs | 312.5000% | 941 |
| Earnings coverage of net charge-offs (x) | 104.6250% | 408 |
| Efficiency ratio | 60.5654% | 5,489 |
| Assets per employee ($millions) | 4.3032% | 3,259 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 6,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7323% | 4,961 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 78.0877% | 708 |
| Net loans and leases to deposits | 90.0368% | 1,148 |
| Net loans and leases to core deposits | 95.3340% | 1,487 |
| Total domestic deposits to total assets | 86.7287% | 2,943 |
| Equity capital to assets | 11.1955% | 2,899 |
| Core capital (leverage) ratio | 9.1202% | 4,734 |
| Tier 1 risk-based capital ratio | 11.0943% | 6,454 |
| Total risk-based capital ratio | 12.0721% | 6,550 |
| Memoranda: | ||
| Average total assets | $187,703,000 | 3,242 |
| Average earning assets | $169,971,330 | 3,272 |
| Average equity | $20,413,330 | 3,175 |
| Average total loans | $148,919,330 | 2,635 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9183% | 2,172 |
| Cost of funding earning assets | 0.5608% | 5,428 |
| Net interest margin | 4.3575% | 1,322 |
| Noninterest income to average assets | 0.6454% | 2,957 |
| Noninterest expense to average assets | 2.7043% | 4,408 |
| Loan and lease loss provision to assets | 0.1058% | 4,022 |
| Net operating income to assets | 1.7076% | 705 |
| Return on assets (ROA) | 1.7076% | 786 |
| Pretax return on assets | 1.7817% | 1,116 |
| Return on Equity (ROE) | 15.9313% | 814 |
| Retained earnings to average equity (ytd only) | 6.0606% | 2,917 |
| Net charge-offs to loans | 0.0426% | 4,099 |
| Credit loss provision to net charge-offs | 312.5000% | 947 |
| Earnings coverage of net charge-offs (x) | 55.7500% | 581 |
| Efficiency ratio | 58.8940% | 5,785 |
| Assets per employee ($millions) | 4.6250% | 2,767 |
| Cash dividends to net income (ytd only)* | 61.9579% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 6,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7146% | 5,121 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 77.7395% | 615 |
| Net loans and leases to deposits | 90.9413% | 878 |
| Net loans and leases to core deposits | 96.8313% | 1,217 |
| Total domestic deposits to total assets | 85.4831% | 3,803 |
| Equity capital to assets | 10.7748% | 3,180 |
| Core capital (leverage) ratio | 9.1548% | 4,595 |
| Tier 1 risk-based capital ratio | 10.8227% | 6,614 |
| Total risk-based capital ratio | 11.7877% | 6,713 |
| Memoranda: | ||
| Average total assets | $189,035,500 | 3,249 |
| Average earning assets | $171,198,000 | 3,270 |
| Average equity | $20,262,000 | 3,197 |
| Average total loans | $150,382,500 | 2,625 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1700% | 2,186 |
| Cost of funding earning assets | 0.7129% | 5,450 |
| Net interest margin | 4.4571% | 1,238 |
| Noninterest income to average assets | 0.5824% | 3,278 |
| Noninterest expense to average assets | 3.0360% | 3,461 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4678% | 891 |
| Return on assets (ROA) | 1.5861% | 748 |
| Pretax return on assets | 1.6667% | 1,063 |
| Return on Equity (ROE) | 14.3605% | 856 |
| Retained earnings to average equity (ytd only) | 1.4038% | 5,194 |
| Net charge-offs to loans | 0.0041% | 6,384 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 462.5000% | 75 |
| Efficiency ratio | 66.3146% | 4,703 |
| Assets per employee ($millions) | 4.3824% | 3,091 |
| Cash dividends to net income (ytd only)* | 90.2242% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 6,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8793% | 4,864 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 79.8020% | 518 |
| Net loans and leases to deposits | 94.7616% | 756 |
| Net loans and leases to core deposits | 102.1416% | 1,016 |
| Total domestic deposits to total assets | 84.2133% | 4,231 |
| Equity capital to assets | 10.6621% | 3,352 |
| Core capital (leverage) ratio | 9.0207% | 4,744 |
| Tier 1 risk-based capital ratio | 10.3240% | 6,761 |
| Total risk-based capital ratio | 11.2404% | 6,854 |
| Memoranda: | ||
| Average total assets | $179,941,400 | 3,335 |
| Average earning assets | $161,315,400 | 3,379 |
| Average equity | $19,874,000 | 3,172 |
| Average total loans | $145,513,600 | 2,704 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2228% | 2,120 |
| Cost of funding earning assets | 0.7522% | 5,461 |
| Net interest margin | 4.4706% | 1,214 |
| Noninterest income to average assets | 0.5684% | 3,382 |
| Noninterest expense to average assets | 2.9213% | 3,832 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5881% | 788 |
| Return on assets (ROA) | 1.7493% | 621 |
| Pretax return on assets | 1.8168% | 921 |
| Return on Equity (ROE) | 15.6946% | 719 |
| Retained earnings to average equity (ytd only) | 3.2492% | 4,405 |
| Net charge-offs to loans | 0.0056% | 6,099 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 366.4913% | 101 |
| Efficiency ratio | 63.9212% | 5,085 |
| Assets per employee ($millions) | 4.1716% | 3,498 |
| Cash dividends to net income (ytd only)* | 79.2972% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 6,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0715% | 4,628 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 79.7390% | 541 |
| Net loans and leases to deposits | 93.0394% | 915 |
| Net loans and leases to core deposits | 100.4996% | 1,201 |
| Total domestic deposits to total assets | 85.7046% | 3,379 |
| Equity capital to assets | 11.2633% | 2,901 |
| Core capital (leverage) ratio | 9.3868% | 4,326 |
| Tier 1 risk-based capital ratio | 10.9618% | 6,562 |
| Total risk-based capital ratio | 11.9230% | 6,699 |
| Memoranda: | ||
| Average total assets | $177,815,750 | 3,383 |
| Average earning assets | $159,171,000 | 3,442 |
| Average equity | $19,819,500 | 3,178 |
| Average total loans | $143,929,750 | 2,750 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1989% | 2,258 |
| Cost of funding earning assets | 0.7647% | 5,594 |
| Net interest margin | 4.4342% | 1,283 |
| Noninterest income to average assets | 0.5257% | 3,659 |
| Noninterest expense to average assets | 2.8890% | 4,068 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5391% | 821 |
| Return on assets (ROA) | 1.6853% | 667 |
| Pretax return on assets | 1.7530% | 956 |
| Return on Equity (ROE) | 15.1742% | 769 |
| Retained earnings to average equity (ytd only) | 2.9861% | 4,377 |
| Net charge-offs to loans | 0.0083% | 5,739 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 236.5000% | 149 |
| Efficiency ratio | 64.3467% | 5,174 |
| Assets per employee ($millions) | 4.0520% | 3,652 |
| Cash dividends to net income (ytd only)* | 80.3213% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 6,219 |
| Loan loss allowance to noncurrent loans | 6,668.1818% | 78 |
| Noncurrent assets plus other real estate owned to assets | 1.3686% | 4,168 |
| Noncurrent loans to loans | 0.0154% | 6,964 |
| Net loans and leases to total assets | 79.1189% | 633 |
| Net loans and leases to deposits | 92.2010% | 1,036 |
| Net loans and leases to core deposits | 100.0291% | 1,338 |
| Total domestic deposits to total assets | 85.8113% | 3,432 |
| Equity capital to assets | 11.1476% | 2,816 |
| Core capital (leverage) ratio | 9.3797% | 4,143 |
| Tier 1 risk-based capital ratio | 11.0658% | 6,471 |
| Total risk-based capital ratio | 12.0471% | 6,640 |
| Memoranda: | ||
| Average total assets | $177,294,670 | 3,409 |
| Average earning assets | $158,495,670 | 3,468 |
| Average equity | $19,691,330 | 3,173 |
| Average total loans | $143,739,000 | 2,778 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2569% | 2,020 |
| Cost of funding earning assets | 0.7727% | 5,733 |
| Net interest margin | 4.4842% | 1,105 |
| Noninterest income to average assets | 0.5091% | 3,810 |
| Noninterest expense to average assets | 2.9277% | 3,958 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5260% | 829 |
| Return on assets (ROA) | 1.7150% | 599 |
| Pretax return on assets | 1.7828% | 845 |
| Return on Equity (ROE) | 15.4698% | 746 |
| Retained earnings to average equity (ytd only) | 2.2041% | 4,822 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8622% | 5,210 |
| Assets per employee ($millions) | 4.0437% | 3,748 |
| Cash dividends to net income (ytd only)* | 85.7520% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 6,299 |
| Loan loss allowance to noncurrent loans | 3,507.1429% | 136 |
| Noncurrent assets plus other real estate owned to assets | 1.5524% | 3,920 |
| Noncurrent loans to loans | 0.0293% | 6,986 |
| Net loans and leases to total assets | 79.8531% | 525 |
| Net loans and leases to deposits | 94.1406% | 805 |
| Net loans and leases to core deposits | 99.2948% | 1,400 |
| Total domestic deposits to total assets | 84.8232% | 4,121 |
| Equity capital to assets | 11.0508% | 2,638 |
| Core capital (leverage) ratio | 9.2050% | 4,281 |
| Tier 1 risk-based capital ratio | 10.8000% | 6,636 |
| Total risk-based capital ratio | 11.7727% | 6,779 |
| Memoranda: | ||
| Average total assets | $176,797,000 | 3,436 |
| Average earning assets | $157,888,000 | 3,504 |
| Average equity | $19,599,500 | 3,171 |
| Average total loans | $144,344,500 | 2,799 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6022% | 1,881 |
| Cost of funding earning assets | 0.9059% | 6,153 |
| Net interest margin | 4.6963% | 824 |
| Noninterest income to average assets | 0.6483% | 3,163 |
| Noninterest expense to average assets | 3.4579% | 2,286 |
| Loan and lease loss provision to assets | 0.0512% | 6,644 |
| Net operating income to assets | 1.2277% | 1,350 |
| Return on assets (ROA) | 1.3126% | 1,210 |
| Pretax return on assets | 1.3775% | 1,717 |
| Return on Equity (ROE) | 11.6696% | 1,402 |
| Retained earnings to average equity (ytd only) | 0.7894% | 5,160 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0812% | 3,777 |
| Assets per employee ($millions) | 3.9925% | 3,802 |
| Cash dividends to net income (ytd only)* | 93.2350% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 6,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7225% | 3,720 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 81.7813% | 470 |
| Net loans and leases to deposits | 96.5381% | 817 |
| Net loans and leases to core deposits | 103.2632% | 1,371 |
| Total domestic deposits to total assets | 84.7140% | 3,992 |
| Equity capital to assets | 11.1214% | 2,582 |
| Core capital (leverage) ratio | 9.2463% | 4,097 |
| Tier 1 risk-based capital ratio | 10.6101% | 6,629 |
| Total risk-based capital ratio | 11.5720% | 6,788 |
| Memoranda: | ||
| Average total assets | $175,684,600 | 3,447 |
| Average earning assets | $155,207,000 | 3,542 |
| Average equity | $19,760,800 | 3,179 |
| Average total loans | $146,628,000 | 2,826 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6441% | 1,900 |
| Cost of funding earning assets | 0.9311% | 6,271 |
| Net interest margin | 4.7130% | 820 |
| Noninterest income to average assets | 0.6451% | 3,151 |
| Noninterest expense to average assets | 3.3141% | 2,530 |
| Loan and lease loss provision to assets | 0.0683% | 6,385 |
| Net operating income to assets | 1.3670% | 1,179 |
| Return on assets (ROA) | 1.4814% | 1,032 |
| Pretax return on assets | 1.5383% | 1,511 |
| Return on Equity (ROE) | 13.1333% | 1,224 |
| Retained earnings to average equity (ytd only) | 3.0411% | 4,306 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0217% | 4,262 |
| Assets per employee ($millions) | 3.8158% | 4,226 |
| Cash dividends to net income (ytd only)* | 76.8443% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 6,380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0319% | 3,426 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 84.6657% | 286 |
| Net loans and leases to deposits | 101.4203% | 560 |
| Net loans and leases to core deposits | 109.5181% | 1,062 |
| Total domestic deposits to total assets | 83.4800% | 4,387 |
| Equity capital to assets | 11.7021% | 2,356 |
| Core capital (leverage) ratio | 9.8447% | 3,439 |
| Tier 1 risk-based capital ratio | 10.7906% | 6,557 |
| Total risk-based capital ratio | 11.7514% | 6,767 |
| Memoranda: | ||
| Average total assets | $175,688,000 | 3,489 |
| Average earning assets | $154,942,250 | 3,597 |
| Average equity | $19,816,750 | 3,212 |
| Average total loans | $147,000,250 | 2,858 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6424% | 1,973 |
| Cost of funding earning assets | 0.9654% | 6,311 |
| Net interest margin | 4.6770% | 849 |
| Noninterest income to average assets | 0.6011% | 3,327 |
| Noninterest expense to average assets | 3.1670% | 3,026 |
| Loan and lease loss provision to assets | 0.1017% | 5,898 |
| Net operating income to assets | 1.3993% | 1,095 |
| Return on assets (ROA) | 1.4383% | 1,084 |
| Pretax return on assets | 1.4948% | 1,568 |
| Return on Equity (ROE) | 12.9079% | 1,263 |
| Retained earnings to average equity (ytd only) | 2.7682% | 4,373 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0574% | 4,751 |
| Assets per employee ($millions) | 3.8361% | 4,137 |
| Cash dividends to net income (ytd only)* | 78.5546% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 6,351 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5263% | 2,857 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 83.5439% | 391 |
| Net loans and leases to deposits | 100.4983% | 680 |
| Net loans and leases to core deposits | 107.4915% | 1,342 |
| Total domestic deposits to total assets | 83.1297% | 4,512 |
| Equity capital to assets | 11.5193% | 2,431 |
| Core capital (leverage) ratio | 9.5746% | 3,709 |
| Tier 1 risk-based capital ratio | 10.7207% | 6,512 |
| Total risk-based capital ratio | 11.6856% | 6,718 |
| Memoranda: | ||
| Average total assets | $177,013,000 | 3,484 |
| Average earning assets | $155,998,670 | 3,599 |
| Average equity | $19,724,330 | 3,210 |
| Average total loans | $147,048,670 | 2,884 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5604% | 2,321 |
| Cost of funding earning assets | 1.0043% | 6,354 |
| Net interest margin | 4.5561% | 1,036 |
| Noninterest income to average assets | 0.6451% | 2,963 |
| Noninterest expense to average assets | 3.1851% | 2,925 |
| Loan and lease loss provision to assets | 0.1004% | 5,621 |
| Net operating income to assets | 1.3236% | 1,237 |
| Return on assets (ROA) | 1.3236% | 1,311 |
| Pretax return on assets | 1.3794% | 1,835 |
| Return on Equity (ROE) | 12.0749% | 1,482 |
| Retained earnings to average equity (ytd only) | 1.8937% | 4,986 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2775% | 4,663 |
| Assets per employee ($millions) | 3.9138% | 4,062 |
| Cash dividends to net income (ytd only)* | 84.3170% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 6,568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5193% | 2,885 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 82.0972% | 581 |
| Net loans and leases to deposits | 97.5174% | 954 |
| Net loans and leases to core deposits | 105.0776% | 1,650 |
| Total domestic deposits to total assets | 84.1872% | 4,055 |
| Equity capital to assets | 11.1876% | 2,600 |
| Core capital (leverage) ratio | 9.2042% | 4,218 |
| Tier 1 risk-based capital ratio | 10.5559% | 6,578 |
| Total risk-based capital ratio | 11.4872% | 6,851 |
| Memoranda: | ||
| Average total assets | $179,208,000 | 3,510 |
| Average earning assets | $158,118,500 | 3,604 |
| Average equity | $19,644,000 | 3,248 |
| Average total loans | $147,728,500 | 2,933 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5101% | 4,094 |
| Cost of funding earning assets | 1.5224% | 5,423 |
| Net interest margin | 3.9877% | 2,906 |
| Noninterest income to average assets | 0.5489% | 4,031 |
| Noninterest expense to average assets | 3.0428% | 3,975 |
| Loan and lease loss provision to assets | 0.2021% | 5,725 |
| Net operating income to assets | 0.7783% | 2,608 |
| Return on assets (ROA) | 0.8613% | 2,375 |
| Pretax return on assets | 0.9023% | 2,915 |
| Return on Equity (ROE) | 8.0061% | 2,364 |
| Retained earnings to average equity (ytd only) | -2.2490% | 5,574 |
| Net charge-offs to loans | 0.5957% | 3,433 |
| Credit loss provision to net charge-offs | 41.8552% | 6,814 |
| Earnings coverage of net charge-offs (x) | 2.1063% | 4,152 |
| Efficiency ratio | 74.9495% | 3,720 |
| Assets per employee ($millions) | 4.0510% | 3,707 |
| Cash dividends to net income (ytd only)* | 128.0913% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 6,722 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7297% | 2,555 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 81.2176% | 809 |
| Net loans and leases to deposits | 97.4424% | 1,161 |
| Net loans and leases to core deposits | 115.6320% | 2,360 |
| Total domestic deposits to total assets | 83.3493% | 4,365 |
| Equity capital to assets | 10.7431% | 2,935 |
| Core capital (leverage) ratio | 9.2130% | 4,097 |
| Tier 1 risk-based capital ratio | 10.1583% | 6,727 |
| Total risk-based capital ratio | 11.0313% | 7,023 |
| Memoranda: | ||
| Average total assets | $183,090,400 | 3,387 |
| Average earning assets | $161,195,000 | 3,496 |
| Average equity | $19,697,600 | 3,249 |
| Average total loans | $148,385,600 | 2,947 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5026% | 4,407 |
| Cost of funding earning assets | 1.6293% | 5,261 |
| Net interest margin | 3.8733% | 3,331 |
| Noninterest income to average assets | 0.5608% | 4,006 |
| Noninterest expense to average assets | 3.0050% | 4,023 |
| Loan and lease loss provision to assets | 0.2691% | 4,811 |
| Net operating income to assets | 0.6688% | 3,317 |
| Return on assets (ROA) | 0.7805% | 2,955 |
| Pretax return on assets | 0.8133% | 3,496 |
| Return on Equity (ROE) | 7.2525% | 2,966 |
| Retained earnings to average equity (ytd only) | -2.6834% | 5,868 |
| Net charge-offs to loans | 0.7957% | 2,374 |
| Credit loss provision to net charge-offs | 41.8552% | 6,404 |
| Earnings coverage of net charge-offs (x) | 1.5023% | 4,658 |
| Efficiency ratio | 75.6732% | 3,566 |
| Assets per employee ($millions) | 3.9588% | 3,808 |
| Cash dividends to net income (ytd only)* | 136.9991% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9431% | 6,582 |
| Loan loss allowance to noncurrent loans | 2,561.1111% | 149 |
| Noncurrent assets plus other real estate owned to assets | 3.0767% | 2,233 |
| Noncurrent loans to loans | 0.0368% | 7,423 |
| Net loans and leases to total assets | 81.5423% | 889 |
| Net loans and leases to deposits | 96.1689% | 1,551 |
| Net loans and leases to core deposits | 112.1087% | 3,010 |
| Total domestic deposits to total assets | 84.7907% | 3,328 |
| Equity capital to assets | 11.0706% | 2,954 |
| Core capital (leverage) ratio | 9.1215% | 4,457 |
| Tier 1 risk-based capital ratio | 10.3574% | 6,616 |
| Total risk-based capital ratio | 11.2450% | 6,942 |
| Memoranda: | ||
| Average total assets | $183,289,750 | 3,413 |
| Average earning assets | $161,374,250 | 3,520 |
| Average equity | $19,726,000 | 3,282 |
| Average total loans | $148,122,750 | 2,979 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4252% | 5,013 |
| Cost of funding earning assets | 1.7145% | 5,202 |
| Net interest margin | 3.7107% | 3,905 |
| Noninterest income to average assets | 0.5686% | 3,904 |
| Noninterest expense to average assets | 3.0443% | 3,897 |
| Loan and lease loss provision to assets | 0.4000% | 3,519 |
| Net operating income to assets | 0.3820% | 4,576 |
| Return on assets (ROA) | 0.5481% | 4,009 |
| Pretax return on assets | 0.5730% | 4,390 |
| Return on Equity (ROE) | 5.1401% | 4,017 |
| Retained earnings to average equity (ytd only) | -4.6940% | 6,259 |
| Net charge-offs to loans | 1.2233% | 1,500 |
| Credit loss provision to net charge-offs | 40.7041% | 5,891 |
| Earnings coverage of net charge-offs (x) | 0.8141% | 4,923 |
| Efficiency ratio | 79.1901% | 3,162 |
| Assets per employee ($millions) | 4.1718% | 3,346 |
| Cash dividends to net income (ytd only)* | 191.3215% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 6,608 |
| Loan loss allowance to noncurrent loans | 1,835.1351% | 207 |
| Noncurrent assets plus other real estate owned to assets | 3.1973% | 1,961 |
| Noncurrent loans to loans | 0.0511% | 7,408 |
| Net loans and leases to total assets | 78.1318% | 1,715 |
| Net loans and leases to deposits | 90.2869% | 2,789 |
| Net loans and leases to core deposits | 105.6657% | 3,874 |
| Total domestic deposits to total assets | 86.5373% | 2,491 |
| Equity capital to assets | 10.5557% | 3,334 |
| Core capital (leverage) ratio | 8.9029% | 4,777 |
| Tier 1 risk-based capital ratio | 10.3703% | 6,511 |
| Total risk-based capital ratio | 11.2466% | 6,861 |
| Memoranda: | ||
| Average total assets | $185,003,670 | 3,408 |
| Average earning assets | $163,313,330 | 3,501 |
| Average equity | $19,727,330 | 3,289 |
| Average total loans | $148,614,000 | 3,010 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3002% | 5,889 |
| Cost of funding earning assets | 1.7327% | 5,463 |
| Net interest margin | 3.5675% | 4,456 |
| Noninterest income to average assets | 0.5363% | 4,014 |
| Noninterest expense to average assets | 3.0173% | 3,688 |
| Loan and lease loss provision to assets | 0.7969% | 1,618 |
| Net operating income to assets | -0.1206% | 6,444 |
| Return on assets (ROA) | -0.0582% | 6,467 |
| Pretax return on assets | -0.0582% | 6,440 |
| Return on Equity (ROE) | -0.5426% | 6,473 |
| Retained earnings to average equity (ytd only) | -9.9884% | 7,108 |
| Net charge-offs to loans | 2.3888% | 605 |
| Credit loss provision to net charge-offs | 41.1568% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.3493% | 4,695 |
| Efficiency ratio | 81.6910% | 2,580 |
| Assets per employee ($millions) | 3.9880% | 3,683 |
| Cash dividends to net income (ytd only)* | -1,740.7407% | 8,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9348% | 6,583 |
| Loan loss allowance to noncurrent loans | 1,368.0000% | 313 |
| Noncurrent assets plus other real estate owned to assets | 3.5677% | 1,494 |
| Noncurrent loans to loans | 0.0683% | 7,331 |
| Net loans and leases to total assets | 79.0259% | 1,577 |
| Net loans and leases to deposits | 91.4039% | 2,709 |
| Net loans and leases to core deposits | 105.5877% | 3,958 |
| Total domestic deposits to total assets | 86.4579% | 2,472 |
| Equity capital to assets | 10.7283% | 3,260 |
| Core capital (leverage) ratio | 8.7780% | 5,024 |
| Tier 1 risk-based capital ratio | 10.4702% | 6,426 |
| Total risk-based capital ratio | 11.3633% | 6,710 |
| Memoranda: | ||
| Average total assets | $185,726,000 | 3,413 |
| Average earning assets | $164,372,000 | 3,507 |
| Average equity | $19,903,000 | 3,272 |
| Average total loans | $150,533,000 | 2,998 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1652% | 4,696 |
| Cost of funding earning assets | 2.3474% | 4,937 |
| Net interest margin | 3.8178% | 3,948 |
| Noninterest income to average assets | 0.5145% | 4,514 |
| Noninterest expense to average assets | 2.8408% | 4,643 |
| Loan and lease loss provision to assets | 0.2648% | 4,277 |
| Net operating income to assets | 0.7987% | 3,439 |
| Return on assets (ROA) | 0.8120% | 3,225 |
| Pretax return on assets | 0.8535% | 3,878 |
| Return on Equity (ROE) | 7.7117% | 3,193 |
| Retained earnings to average equity (ytd only) | -4.4919% | 6,415 |
| Net charge-offs to loans | 0.3059% | 3,358 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 4.1706% | 4,079 |
| Efficiency ratio | 72.0095% | 3,934 |
| Assets per employee ($millions) | 4.0870% | 3,329 |
| Cash dividends to net income (ytd only)* | 158.2481% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 4,339 |
| Loan loss allowance to noncurrent loans | 962.9442% | 504 |
| Noncurrent assets plus other real estate owned to assets | 1.6968% | 2,862 |
| Noncurrent loans to loans | 0.1273% | 7,031 |
| Net loans and leases to total assets | 81.2906% | 1,362 |
| Net loans and leases to deposits | 96.0283% | 2,446 |
| Net loans and leases to core deposits | 111.0677% | 3,676 |
| Total domestic deposits to total assets | 84.6528% | 3,003 |
| Equity capital to assets | 10.7047% | 3,294 |
| Core capital (leverage) ratio | 8.6882% | 5,216 |
| Tier 1 risk-based capital ratio | 10.4748% | 6,231 |
| Total risk-based capital ratio | 11.6765% | 6,160 |
| Memoranda: | ||
| Average total assets | $192,618,600 | 3,235 |
| Average earning assets | $173,084,000 | 3,282 |
| Average equity | $20,280,800 | 3,181 |
| Average total loans | $166,719,200 | 2,677 |