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 | 6.5866% | 319 |
| Cost of funding earning assets | 0.7233% | 3,889 |
| Net interest margin | 5.8633% | 126 |
| Noninterest income to average assets | 1.8900% | 286 |
| Noninterest expense to average assets | 3.3796% | 674 |
| Loan and lease loss provision to assets | 0.3800% | 260 |
| Net operating income to assets | 3.4486% | 128 |
| Return on assets (ROA) | 3.4486% | 125 |
| Pretax return on assets | 3.4486% | 151 |
| Return on Equity (ROE) | 25.8900% | 282 |
| Retained earnings to average equity (ytd only) | 7.5040% | 1,703 |
| Net charge-offs to loans | 0.2802% | 381 |
| Credit loss provision to net charge-offs | 184.6381% | 1,283 |
| Earnings coverage of net charge-offs (x) | 18.7341% | 1,924 |
| Efficiency ratio | 46.9042% | 4,152 |
| Assets per employee ($millions) | 4.9844% | 3,650 |
| Cash dividends to net income (ytd only)* | 71.0181% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6254% | 73 |
| Loan loss allowance to noncurrent loans | 368.8839% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.7325% | 704 |
| Noncurrent loans to loans | 0.9828% | 752 |
| Net loans and leases to total assets | 71.8300% | 1,601 |
| Net loans and leases to deposits | 85.4621% | 1,656 |
| Net loans and leases to core deposits | 92.8868% | 1,851 |
| Total domestic deposits to total assets | 84.0500% | 2,605 |
| Equity capital to assets | 13.2641% | 809 |
| Core capital (leverage) ratio | 13.8337% | 833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $663,042,200 | 1,362 |
| Average earning assets | $600,598,400 | 1,377 |
| Average equity | $88,312,400 | 1,051 |
| Average total loans | $483,295,000 | 1,268 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4168% | 332 |
| Cost of funding earning assets | 0.6450% | 3,886 |
| Net interest margin | 5.7718% | 129 |
| Noninterest income to average assets | 2.2200% | 257 |
| Noninterest expense to average assets | 3.1982% | 820 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 4.2750% | 102 |
| Return on assets (ROA) | 4.2750% | 102 |
| Pretax return on assets | 4.2750% | 118 |
| Return on Equity (ROE) | 32.0600% | 190 |
| Retained earnings to average equity (ytd only) | 25.6985% | 131 |
| Net charge-offs to loans | -0.0436% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 42.7956% | 4,284 |
| Assets per employee ($millions) | 5.1873% | 3,442 |
| Cash dividends to net income (ytd only)* | 19.8495% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4117% | 86 |
| Loan loss allowance to noncurrent loans | 1,551.1457% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 2,483 |
| Noncurrent loans to loans | 0.2199% | 2,472 |
| Net loans and leases to total assets | 72.1600% | 1,557 |
| Net loans and leases to deposits | 85.6778% | 1,604 |
| Net loans and leases to core deposits | 89.7026% | 1,948 |
| Total domestic deposits to total assets | 84.2200% | 2,712 |
| Equity capital to assets | 14.6343% | 570 |
| Core capital (leverage) ratio | 15.4018% | 566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $663,070,250 | 1,363 |
| Average earning assets | $603,195,750 | 1,371 |
| Average equity | $88,407,500 | 1,041 |
| Average total loans | $480,594,000 | 1,271 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2409% | 333 |
| Cost of funding earning assets | 0.5804% | 3,804 |
| Net interest margin | 5.6605% | 142 |
| Noninterest income to average assets | 1.8500% | 258 |
| Noninterest expense to average assets | 3.1830% | 807 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 3.8152% | 106 |
| Return on assets (ROA) | 3.8152% | 108 |
| Pretax return on assets | 3.8152% | 121 |
| Return on Equity (ROE) | 29.5800% | 220 |
| Retained earnings to average equity (ytd only) | 23.4304% | 155 |
| Net charge-offs to loans | -0.0522% | 4,378 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 45.4832% | 4,186 |
| Assets per employee ($millions) | 5.1242% | 3,484 |
| Cash dividends to net income (ytd only)* | 20.7862% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5853% | 85 |
| Loan loss allowance to noncurrent loans | 1,446.0616% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 2,124 |
| Noncurrent loans to loans | 0.2479% | 2,269 |
| Net loans and leases to total assets | 68.7100% | 1,881 |
| Net loans and leases to deposits | 80.5880% | 1,930 |
| Net loans and leases to core deposits | 83.6907% | 2,226 |
| Total domestic deposits to total assets | 85.2600% | 2,472 |
| Equity capital to assets | 13.7485% | 675 |
| Core capital (leverage) ratio | 14.3733% | 703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $662,768,667 | 1,358 |
| Average earning assets | $602,987,000 | 1,374 |
| Average equity | $85,487,333 | 1,062 |
| Average total loans | $475,451,333 | 1,266 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0454% | 299 |
| Cost of funding earning assets | 0.4927% | 3,713 |
| Net interest margin | 5.5528% | 141 |
| Noninterest income to average assets | 1.8500% | 250 |
| Noninterest expense to average assets | 3.0010% | 1,056 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.9214% | 101 |
| Return on assets (ROA) | 3.9214% | 101 |
| Pretax return on assets | 3.9214% | 112 |
| Return on Equity (ROE) | 31.4300% | 207 |
| Retained earnings to average equity (ytd only) | 25.0849% | 177 |
| Net charge-offs to loans | -0.3593% | 4,641 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.3522% | 4,332 |
| Assets per employee ($millions) | 5.2279% | 3,480 |
| Cash dividends to net income (ytd only)* | 20.1967% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6275% | 80 |
| Loan loss allowance to noncurrent loans | 1,765.4004% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 2,007 |
| Noncurrent loans to loans | 0.2055% | 2,446 |
| Net loans and leases to total assets | 68.2700% | 1,805 |
| Net loans and leases to deposits | 79.1242% | 1,883 |
| Net loans and leases to core deposits | 82.2150% | 2,105 |
| Total domestic deposits to total assets | 86.2800% | 2,515 |
| Equity capital to assets | 12.7832% | 808 |
| Core capital (leverage) ratio | 13.5827% | 812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $663,644,000 | 1,380 |
| Average earning assets | $605,681,000 | 1,388 |
| Average equity | $82,791,000 | 1,109 |
| Average total loans | $477,631,000 | 1,270 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5882% | 625 |
| Cost of funding earning assets | 0.3245% | 2,685 |
| Net interest margin | 4.2637% | 459 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.7369% | 1,473 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7699% | 469 |
| Return on assets (ROA) | 1.7699% | 451 |
| Pretax return on assets | 1.7699% | 785 |
| Return on Equity (ROE) | 14.6800% | 1,347 |
| Retained earnings to average equity (ytd only) | -6.6252% | 4,601 |
| Net charge-offs to loans | -0.7922% | 4,718 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.7291% | 2,955 |
| Assets per employee ($millions) | 5.3505% | 3,370 |
| Cash dividends to net income (ytd only)* | 145.1320% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4839% | 80 |
| Loan loss allowance to noncurrent loans | 1,249.3294% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 1,423 |
| Noncurrent loans to loans | 0.2789% | 2,153 |
| Net loans and leases to total assets | 70.5800% | 1,573 |
| Net loans and leases to deposits | 83.1025% | 1,534 |
| Net loans and leases to core deposits | 85.8719% | 1,761 |
| Total domestic deposits to total assets | 84.9300% | 3,010 |
| Equity capital to assets | 12.1621% | 890 |
| Core capital (leverage) ratio | 12.4856% | 1,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $697,565,000 | 1,314 |
| Average earning assets | $643,129,600 | 1,312 |
| Average equity | $84,103,000 | 1,088 |
| Average total loans | $438,040,600 | 1,297 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9267% | 1,064 |
| Cost of funding earning assets | 0.3166% | 1,561 |
| Net interest margin | 3.6101% | 1,051 |
| Noninterest income to average assets | 0.8565% | 929 |
| Noninterest expense to average assets | 2.5576% | 1,758 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6341% | 504 |
| Return on assets (ROA) | 1.6341% | 495 |
| Pretax return on assets | 1.6341% | 872 |
| Return on Equity (ROE) | 13.5949% | 1,210 |
| Retained earnings to average equity (ytd only) | -6.9294% | 4,593 |
| Net charge-offs to loans | -1.1757% | 4,724 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0166% | 3,177 |
| Assets per employee ($millions) | 5.8932% | 2,839 |
| Cash dividends to net income (ytd only)* | 150.9706% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8633% | 73 |
| Loan loss allowance to noncurrent loans | 392.0765% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.7650% | 685 |
| Noncurrent loans to loans | 0.9853% | 847 |
| Net loans and leases to total assets | 56.0119% | 2,755 |
| Net loans and leases to deposits | 64.8643% | 2,653 |
| Net loans and leases to core deposits | 66.4965% | 2,781 |
| Total domestic deposits to total assets | 86.3525% | 3,156 |
| Equity capital to assets | 11.8734% | 917 |
| Core capital (leverage) ratio | 12.2401% | 1,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $712,461,333 | 1,301 |
| Average earning assets | $658,210,333 | 1,313 |
| Average equity | $85,635,000 | 1,104 |
| Average total loans | $423,419,333 | 1,319 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7425% | 1,189 |
| Cost of funding earning assets | 0.3166% | 1,497 |
| Net interest margin | 3.4258% | 1,243 |
| Noninterest income to average assets | 1.3063% | 424 |
| Noninterest expense to average assets | 2.5207% | 1,831 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.9559% | 240 |
| Return on assets (ROA) | 1.9559% | 244 |
| Pretax return on assets | 1.9559% | 394 |
| Return on Equity (ROE) | 16.1762% | 517 |
| Retained earnings to average equity (ytd only) | -13.4855% | 4,623 |
| Net charge-offs to loans | -1.9460% | 4,754 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3091% | 3,852 |
| Assets per employee ($millions) | 6.1699% | 2,650 |
| Cash dividends to net income (ytd only)* | 183.3666% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6991% | 88 |
| Loan loss allowance to noncurrent loans | 340.9081% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.8247% | 662 |
| Noncurrent loans to loans | 1.0851% | 827 |
| Net loans and leases to total assets | 55.0385% | 2,629 |
| Net loans and leases to deposits | 63.3374% | 2,585 |
| Net loans and leases to core deposits | 64.8738% | 2,727 |
| Total domestic deposits to total assets | 86.8973% | 2,964 |
| Equity capital to assets | 11.5865% | 1,099 |
| Core capital (leverage) ratio | 12.1386% | 1,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $718,046,000 | 1,297 |
| Average earning assets | $664,478,500 | 1,306 |
| Average equity | $86,819,000 | 1,116 |
| Average total loans | $430,833,000 | 1,293 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3807% | 740 |
| Cost of funding earning assets | 0.4171% | 1,419 |
| Net interest margin | 3.9636% | 765 |
| Noninterest income to average assets | 1.1310% | 824 |
| Noninterest expense to average assets | 2.7813% | 1,405 |
| Loan and lease loss provision to assets | 0.2032% | 523 |
| Net operating income to assets | 1.7809% | 528 |
| Return on assets (ROA) | 1.7809% | 553 |
| Pretax return on assets | 1.7809% | 953 |
| Return on Equity (ROE) | 13.1805% | 1,407 |
| Retained earnings to average equity (ytd only) | 5.8175% | 2,434 |
| Net charge-offs to loans | 0.2233% | 415 |
| Credit loss provision to net charge-offs | 129.4821% | 1,586 |
| Earnings coverage of net charge-offs (x) | 12.6434% | 2,108 |
| Efficiency ratio | 58.3639% | 3,384 |
| Assets per employee ($millions) | 5.9499% | 2,826 |
| Cash dividends to net income (ytd only)* | 55.8627% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9841% | 150 |
| Loan loss allowance to noncurrent loans | 208.8596% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 1.1909% | 416 |
| Noncurrent loans to loans | 1.4288% | 650 |
| Net loans and leases to total assets | 61.0515% | 2,052 |
| Net loans and leases to deposits | 71.1714% | 1,997 |
| Net loans and leases to core deposits | 73.1164% | 2,155 |
| Total domestic deposits to total assets | 85.7810% | 2,979 |
| Equity capital to assets | 12.6098% | 1,029 |
| Core capital (leverage) ratio | 13.0373% | 786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $639,771,000 | 1,383 |
| Average earning assets | $586,645,600 | 1,399 |
| Average equity | $86,446,200 | 1,134 |
| Average total loans | $449,629,400 | 1,265 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5062% | 667 |
| Cost of funding earning assets | 0.4440% | 1,393 |
| Net interest margin | 4.0621% | 698 |
| Noninterest income to average assets | 1.4470% | 583 |
| Noninterest expense to average assets | 2.7355% | 1,494 |
| Loan and lease loss provision to assets | 0.2783% | 302 |
| Net operating income to assets | 2.1452% | 359 |
| Return on assets (ROA) | 2.1452% | 377 |
| Pretax return on assets | 2.1452% | 618 |
| Return on Equity (ROE) | 15.5805% | 1,026 |
| Retained earnings to average equity (ytd only) | 5.6823% | 2,963 |
| Net charge-offs to loans | 0.3568% | 217 |
| Credit loss provision to net charge-offs | 107.7944% | 1,533 |
| Earnings coverage of net charge-offs (x) | 9.3856% | 2,078 |
| Efficiency ratio | 53.0234% | 3,918 |
| Assets per employee ($millions) | 5.6474% | 3,044 |
| Cash dividends to net income (ytd only)* | 63.5293% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8737% | 178 |
| Loan loss allowance to noncurrent loans | 173.5914% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 1.3784% | 384 |
| Noncurrent loans to loans | 1.6555% | 613 |
| Net loans and leases to total assets | 67.5552% | 1,370 |
| Net loans and leases to deposits | 79.6402% | 1,324 |
| Net loans and leases to core deposits | 82.2157% | 1,555 |
| Total domestic deposits to total assets | 84.8255% | 3,172 |
| Equity capital to assets | 13.4611% | 865 |
| Core capital (leverage) ratio | 13.5479% | 721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $622,704,250 | 1,426 |
| Average earning assets | $569,044,500 | 1,448 |
| Average equity | $85,737,250 | 1,161 |
| Average total loans | $450,645,750 | 1,284 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5563% | 668 |
| Cost of funding earning assets | 0.4737% | 1,362 |
| Net interest margin | 4.0826% | 718 |
| Noninterest income to average assets | 1.3332% | 666 |
| Noninterest expense to average assets | 2.7704% | 1,419 |
| Loan and lease loss provision to assets | 0.0981% | 1,290 |
| Net operating income to assets | 2.1915% | 344 |
| Return on assets (ROA) | 2.1915% | 363 |
| Pretax return on assets | 2.1915% | 582 |
| Return on Equity (ROE) | 15.7910% | 994 |
| Retained earnings to average equity (ytd only) | 3.1558% | 3,795 |
| Net charge-offs to loans | 0.0846% | 835 |
| Credit loss provision to net charge-offs | 157.8947% | 1,142 |
| Earnings coverage of net charge-offs (x) | 36.8684% | 1,208 |
| Efficiency ratio | 54.7510% | 3,707 |
| Assets per employee ($millions) | 5.2456% | 3,412 |
| Cash dividends to net income (ytd only)* | 80.0149% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9481% | 160 |
| Loan loss allowance to noncurrent loans | 170.9926% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 1.5091% | 376 |
| Noncurrent loans to loans | 1.7241% | 611 |
| Net loans and leases to total assets | 69.7251% | 1,234 |
| Net loans and leases to deposits | 82.8515% | 1,139 |
| Net loans and leases to core deposits | 86.1195% | 1,408 |
| Total domestic deposits to total assets | 84.1567% | 3,380 |
| Equity capital to assets | 13.8702% | 739 |
| Core capital (leverage) ratio | 13.7457% | 668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $611,907,667 | 1,440 |
| Average earning assets | $558,563,000 | 1,465 |
| Average equity | $84,922,000 | 1,164 |
| Average total loans | $448,979,667 | 1,293 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5956% | 669 |
| Cost of funding earning assets | 0.4881% | 1,467 |
| Net interest margin | 4.1075% | 712 |
| Noninterest income to average assets | 1.3340% | 730 |
| Noninterest expense to average assets | 2.7575% | 1,472 |
| Loan and lease loss provision to assets | 0.1972% | 618 |
| Net operating income to assets | 2.1309% | 462 |
| Return on assets (ROA) | 2.1309% | 504 |
| Pretax return on assets | 2.1309% | 763 |
| Return on Equity (ROE) | 15.3499% | 1,145 |
| Retained earnings to average equity (ytd only) | -3.4669% | 4,625 |
| Net charge-offs to loans | 0.1862% | 431 |
| Credit loss provision to net charge-offs | 142.8571% | 998 |
| Earnings coverage of net charge-offs (x) | 16.8619% | 1,307 |
| Efficiency ratio | 54.2211% | 3,758 |
| Assets per employee ($millions) | 5.4256% | 3,186 |
| Cash dividends to net income (ytd only)* | 122.5856% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8616% | 172 |
| Loan loss allowance to noncurrent loans | 173.6535% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 1.4764% | 434 |
| Noncurrent loans to loans | 1.6479% | 734 |
| Net loans and leases to total assets | 71.2173% | 1,123 |
| Net loans and leases to deposits | 83.8647% | 1,162 |
| Net loans and leases to core deposits | 87.2881% | 1,433 |
| Total domestic deposits to total assets | 84.9192% | 3,131 |
| Equity capital to assets | 13.4210% | 805 |
| Core capital (leverage) ratio | 13.6455% | 712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $608,374,000 | 1,434 |
| Average earning assets | $555,663,000 | 1,458 |
| Average equity | $84,456,500 | 1,154 |
| Average total loans | $451,124,000 | 1,287 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0905% | 422 |
| Cost of funding earning assets | 0.6689% | 1,879 |
| Net interest margin | 4.4215% | 384 |
| Noninterest income to average assets | 0.5831% | 2,288 |
| Noninterest expense to average assets | 2.8852% | 1,724 |
| Loan and lease loss provision to assets | 0.1492% | 2,509 |
| Net operating income to assets | 1.5596% | 692 |
| Return on assets (ROA) | 1.5908% | 711 |
| Pretax return on assets | 1.5908% | 1,096 |
| Return on Equity (ROE) | 11.1427% | 1,579 |
| Retained earnings to average equity (ytd only) | 11.1427% | 422 |
| Net charge-offs to loans | 0.2554% | 678 |
| Credit loss provision to net charge-offs | 75.6637% | 3,008 |
| Earnings coverage of net charge-offs (x) | 8.6673% | 2,582 |
| Efficiency ratio | 62.8043% | 3,006 |
| Assets per employee ($millions) | 5.0667% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9226% | 157 |
| Loan loss allowance to noncurrent loans | 134.2836% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 1.9780% | 287 |
| Noncurrent loans to loans | 2.1765% | 501 |
| Net loans and leases to total assets | 72.8406% | 1,182 |
| Net loans and leases to deposits | 88.0753% | 1,085 |
| Net loans and leases to core deposits | 91.9902% | 1,385 |
| Total domestic deposits to total assets | 82.7026% | 3,493 |
| Equity capital to assets | 14.3679% | 710 |
| Core capital (leverage) ratio | 14.2425% | 645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $573,162,200 | 1,389 |
| Average earning assets | $519,931,600 | 1,410 |
| Average equity | $81,829,000 | 1,132 |
| Average total loans | $442,502,400 | 1,248 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2862% | 349 |
| Cost of funding earning assets | 0.7044% | 2,003 |
| Net interest margin | 4.5818% | 317 |
| Noninterest income to average assets | 0.5399% | 2,426 |
| Noninterest expense to average assets | 2.8541% | 1,816 |
| Loan and lease loss provision to assets | 0.1976% | 2,005 |
| Net operating income to assets | 1.6396% | 662 |
| Return on assets (ROA) | 1.6816% | 665 |
| Pretax return on assets | 1.6816% | 1,000 |
| Return on Equity (ROE) | 11.7983% | 1,431 |
| Retained earnings to average equity (ytd only) | 11.7983% | 457 |
| Net charge-offs to loans | 0.3973% | 400 |
| Credit loss provision to net charge-offs | 63.9332% | 2,836 |
| Earnings coverage of net charge-offs (x) | 5.9453% | 2,691 |
| Efficiency ratio | 60.8383% | 3,251 |
| Assets per employee ($millions) | 4.9101% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7753% | 171 |
| Loan loss allowance to noncurrent loans | 115.7114% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 2.0060% | 330 |
| Noncurrent loans to loans | 2.3984% | 454 |
| Net loans and leases to total assets | 75.4759% | 1,166 |
| Net loans and leases to deposits | 91.0186% | 1,157 |
| Net loans and leases to core deposits | 95.4684% | 1,505 |
| Total domestic deposits to total assets | 82.9236% | 3,162 |
| Equity capital to assets | 14.0539% | 843 |
| Core capital (leverage) ratio | 13.9247% | 728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $568,251,000 | 1,376 |
| Average earning assets | $514,865,750 | 1,407 |
| Average equity | $80,992,750 | 1,136 |
| Average total loans | $441,927,000 | 1,240 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5678% | 297 |
| Cost of funding earning assets | 0.7326% | 2,218 |
| Net interest margin | 4.8351% | 267 |
| Noninterest income to average assets | 0.4446% | 2,828 |
| Noninterest expense to average assets | 2.9084% | 1,804 |
| Loan and lease loss provision to assets | 0.3009% | 1,431 |
| Net operating income to assets | 1.6082% | 749 |
| Return on assets (ROA) | 1.6447% | 746 |
| Pretax return on assets | 1.6447% | 1,119 |
| Return on Equity (ROE) | 11.4823% | 1,482 |
| Retained earnings to average equity (ytd only) | 11.4823% | 536 |
| Net charge-offs to loans | 0.3793% | 418 |
| Credit loss provision to net charge-offs | 101.9370% | 2,382 |
| Earnings coverage of net charge-offs (x) | 6.4673% | 2,436 |
| Efficiency ratio | 60.3709% | 3,366 |
| Assets per employee ($millions) | 5.0002% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9130% | 147 |
| Loan loss allowance to noncurrent loans | 137.2612% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 1.7564% | 469 |
| Noncurrent loans to loans | 2.1222% | 606 |
| Net loans and leases to total assets | 73.8268% | 1,436 |
| Net loans and leases to deposits | 88.3876% | 1,515 |
| Net loans and leases to core deposits | 92.6216% | 1,848 |
| Total domestic deposits to total assets | 83.5262% | 2,917 |
| Equity capital to assets | 13.5116% | 982 |
| Core capital (leverage) ratio | 13.7279% | 814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $559,628,667 | 1,375 |
| Average earning assets | $506,128,000 | 1,404 |
| Average equity | $80,158,000 | 1,136 |
| Average total loans | $435,497,333 | 1,243 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4372% | 426 |
| Cost of funding earning assets | 0.7698% | 2,546 |
| Net interest margin | 4.6674% | 359 |
| Noninterest income to average assets | 0.5554% | 2,248 |
| Noninterest expense to average assets | 3.0217% | 1,835 |
| Loan and lease loss provision to assets | 0.2966% | 1,043 |
| Net operating income to assets | 1.4497% | 882 |
| Return on assets (ROA) | 1.4497% | 955 |
| Pretax return on assets | 1.4497% | 1,437 |
| Return on Equity (ROE) | 9.8117% | 1,804 |
| Retained earnings to average equity (ytd only) | 9.8117% | 778 |
| Net charge-offs to loans | -0.0132% | 4,179 |
| Credit loss provision to net charge-offs | -2,857.1429% | 3,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3748% | 3,316 |
| Assets per employee ($millions) | 4.4215% | 3,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2313% | 116 |
| Loan loss allowance to noncurrent loans | 133.5382% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 2.0423% | 405 |
| Noncurrent loans to loans | 2.4197% | 508 |
| Net loans and leases to total assets | 75.3806% | 1,407 |
| Net loans and leases to deposits | 91.4698% | 1,344 |
| Net loans and leases to core deposits | 96.0385% | 1,786 |
| Total domestic deposits to total assets | 82.4104% | 3,291 |
| Equity capital to assets | 14.3799% | 932 |
| Core capital (leverage) ratio | 14.6469% | 759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $539,434,000 | 1,379 |
| Average earning assets | $486,865,500 | 1,409 |
| Average equity | $79,701,000 | 1,141 |
| Average total loans | $425,113,500 | 1,233 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6997% | 401 |
| Cost of funding earning assets | 0.7979% | 2,692 |
| Net interest margin | 4.9017% | 328 |
| Noninterest income to average assets | 1.0261% | 916 |
| Noninterest expense to average assets | 2.9475% | 2,154 |
| Loan and lease loss provision to assets | 0.6491% | 176 |
| Net operating income to assets | 1.8546% | 474 |
| Return on assets (ROA) | 1.8596% | 489 |
| Pretax return on assets | 1.8596% | 818 |
| Return on Equity (ROE) | 13.2210% | 1,107 |
| Retained earnings to average equity (ytd only) | 13.2210% | 157 |
| Net charge-offs to loans | 0.2830% | 740 |
| Credit loss provision to net charge-offs | 296.6102% | 944 |
| Earnings coverage of net charge-offs (x) | 11.4407% | 2,497 |
| Efficiency ratio | 54.0707% | 4,418 |
| Assets per employee ($millions) | 4.3855% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1119% | 113 |
| Loan loss allowance to noncurrent loans | 151.4374% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 1.7984% | 487 |
| Noncurrent loans to loans | 2.0549% | 618 |
| Net loans and leases to total assets | 77.2508% | 1,215 |
| Net loans and leases to deposits | 94.6628% | 1,093 |
| Net loans and leases to core deposits | 99.5832% | 1,596 |
| Total domestic deposits to total assets | 81.6063% | 3,616 |
| Equity capital to assets | 15.1765% | 752 |
| Core capital (leverage) ratio | 15.0339% | 684 |
| Tier 1 risk-based capital ratio | 17.3085% | 1,960 |
| Total risk-based capital ratio | 18.5782% | 1,902 |
| Memoranda: | ||
| Average total assets | $539,206,000 | 1,331 |
| Average earning assets | $486,765,000 | 1,362 |
| Average equity | $75,841,200 | 1,136 |
| Average total loans | $416,907,200 | 1,224 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6771% | 429 |
| Cost of funding earning assets | 0.7968% | 2,737 |
| Net interest margin | 4.8802% | 357 |
| Noninterest income to average assets | 0.8867% | 1,170 |
| Noninterest expense to average assets | 2.9065% | 2,242 |
| Loan and lease loss provision to assets | 0.3702% | 355 |
| Net operating income to assets | 2.0146% | 384 |
| Return on assets (ROA) | 2.0146% | 398 |
| Pretax return on assets | 2.0146% | 665 |
| Return on Equity (ROE) | 14.6086% | 866 |
| Retained earnings to average equity (ytd only) | 14.6086% | 174 |
| Net charge-offs to loans | -0.3288% | 5,162 |
| Credit loss provision to net charge-offs | -146.7710% | 4,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9300% | 4,288 |
| Assets per employee ($millions) | 4.4509% | 3,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1727% | 115 |
| Loan loss allowance to noncurrent loans | 122.1407% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 2.2935% | 328 |
| Noncurrent loans to loans | 2.5976% | 429 |
| Net loans and leases to total assets | 77.0064% | 1,317 |
| Net loans and leases to deposits | 94.1050% | 1,211 |
| Net loans and leases to core deposits | 99.1216% | 1,730 |
| Total domestic deposits to total assets | 81.8302% | 3,518 |
| Equity capital to assets | 14.8648% | 882 |
| Core capital (leverage) ratio | 14.7272% | 806 |
| Tier 1 risk-based capital ratio | 16.9089% | 2,112 |
| Total risk-based capital ratio | 18.1790% | 2,051 |
| Memoranda: | ||
| Average total assets | $540,251,250 | 1,338 |
| Average earning assets | $487,587,250 | 1,366 |
| Average equity | $74,502,000 | 1,154 |
| Average total loans | $414,487,500 | 1,239 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3288% | 765 |
| Cost of funding earning assets | 0.7867% | 2,707 |
| Net interest margin | 4.5421% | 701 |
| Noninterest income to average assets | 0.8516% | 1,201 |
| Noninterest expense to average assets | 2.8719% | 2,350 |
| Loan and lease loss provision to assets | 0.5532% | 200 |
| Net operating income to assets | 1.5276% | 1,068 |
| Return on assets (ROA) | 1.5276% | 1,117 |
| Pretax return on assets | 1.5276% | 1,765 |
| Return on Equity (ROE) | 11.3680% | 1,840 |
| Retained earnings to average equity (ytd only) | 11.3680% | 498 |
| Net charge-offs to loans | 0.5761% | 265 |
| Credit loss provision to net charge-offs | 126.6892% | 1,680 |
| Earnings coverage of net charge-offs (x) | 4.7652% | 2,712 |
| Efficiency ratio | 57.9864% | 4,015 |
| Assets per employee ($millions) | 4.5921% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6529% | 183 |
| Loan loss allowance to noncurrent loans | 67.0613% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 3.4154% | 152 |
| Noncurrent loans to loans | 3.9559% | 185 |
| Net loans and leases to total assets | 76.9796% | 1,394 |
| Net loans and leases to deposits | 93.7988% | 1,280 |
| Net loans and leases to core deposits | 98.8523% | 1,819 |
| Total domestic deposits to total assets | 82.0689% | 3,490 |
| Equity capital to assets | 14.0134% | 1,113 |
| Core capital (leverage) ratio | 13.7961% | 1,026 |
| Tier 1 risk-based capital ratio | 15.9757% | 2,425 |
| Total risk-based capital ratio | 17.2399% | 2,360 |
| Memoranda: | ||
| Average total assets | $542,297,330 | 1,328 |
| Average earning assets | $489,640,000 | 1,359 |
| Average equity | $72,871,000 | 1,173 |
| Average total loans | $411,057,330 | 1,252 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1911% | 926 |
| Cost of funding earning assets | 0.7640% | 2,711 |
| Net interest margin | 4.4271% | 852 |
| Noninterest income to average assets | 0.5095% | 2,497 |
| Noninterest expense to average assets | 2.8223% | 2,493 |
| Loan and lease loss provision to assets | 0.4405% | 248 |
| Net operating income to assets | 1.2459% | 1,905 |
| Return on assets (ROA) | 1.2459% | 1,949 |
| Pretax return on assets | 1.2459% | 2,645 |
| Return on Equity (ROE) | 9.4723% | 2,601 |
| Retained earnings to average equity (ytd only) | 9.4723% | 1,175 |
| Net charge-offs to loans | 0.3890% | 397 |
| Credit loss provision to net charge-offs | 152.6718% | 1,221 |
| Earnings coverage of net charge-offs (x) | 5.8448% | 2,235 |
| Efficiency ratio | 62.5957% | 3,445 |
| Assets per employee ($millions) | 4.5399% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7405% | 178 |
| Loan loss allowance to noncurrent loans | 71.6201% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 3.1662% | 188 |
| Noncurrent loans to loans | 3.8264% | 212 |
| Net loans and leases to total assets | 72.1132% | 2,140 |
| Net loans and leases to deposits | 86.9258% | 2,009 |
| Net loans and leases to core deposits | 92.2692% | 2,277 |
| Total domestic deposits to total assets | 82.9595% | 3,401 |
| Equity capital to assets | 13.2199% | 1,339 |
| Core capital (leverage) ratio | 13.2925% | 1,150 |
| Tier 1 risk-based capital ratio | 16.0303% | 2,427 |
| Total risk-based capital ratio | 17.2951% | 2,364 |
| Memoranda: | ||
| Average total assets | $544,810,000 | 1,325 |
| Average earning assets | $492,153,500 | 1,361 |
| Average equity | $71,661,500 | 1,185 |
| Average total loans | $404,155,500 | 1,273 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0666% | 914 |
| Cost of funding earning assets | 0.6831% | 2,190 |
| Net interest margin | 4.3835% | 977 |
| Noninterest income to average assets | 0.8820% | 1,224 |
| Noninterest expense to average assets | 2.8810% | 2,417 |
| Loan and lease loss provision to assets | 1.5784% | 43 |
| Net operating income to assets | 0.3725% | 4,901 |
| Return on assets (ROA) | 0.3725% | 4,896 |
| Pretax return on assets | 0.3725% | 4,964 |
| Return on Equity (ROE) | 2.8801% | 4,925 |
| Retained earnings to average equity (ytd only) | 2.8801% | 3,962 |
| Net charge-offs to loans | 2.2603% | 47 |
| Credit loss provision to net charge-offs | 90.2048% | 2,718 |
| Earnings coverage of net charge-offs (x) | 1.1149% | 3,650 |
| Efficiency ratio | 59.6249% | 3,927 |
| Assets per employee ($millions) | 4.3572% | 3,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7319% | 180 |
| Loan loss allowance to noncurrent loans | 69.7860% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 3.0639% | 200 |
| Noncurrent loans to loans | 3.9146% | 194 |
| Net loans and leases to total assets | 72.1935% | 2,227 |
| Net loans and leases to deposits | 86.8876% | 2,168 |
| Net loans and leases to core deposits | 92.0816% | 2,399 |
| Total domestic deposits to total assets | 83.0885% | 3,300 |
| Equity capital to assets | 13.0860% | 1,302 |
| Core capital (leverage) ratio | 13.0723% | 1,217 |
| Tier 1 risk-based capital ratio | 15.8875% | 2,451 |
| Total risk-based capital ratio | 17.1523% | 2,380 |
| Memoranda: | ||
| Average total assets | $538,519,800 | 1,315 |
| Average earning assets | $485,255,000 | 1,349 |
| Average equity | $69,650,400 | 1,163 |
| Average total loans | $416,884,000 | 1,213 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0140% | 922 |
| Cost of funding earning assets | 0.6598% | 2,093 |
| Net interest margin | 4.3542% | 1,002 |
| Noninterest income to average assets | 0.7352% | 1,733 |
| Noninterest expense to average assets | 2.8672% | 2,411 |
| Loan and lease loss provision to assets | 1.4434% | 53 |
| Net operating income to assets | 0.3442% | 5,040 |
| Return on assets (ROA) | 0.3442% | 5,037 |
| Pretax return on assets | 0.3442% | 5,094 |
| Return on Equity (ROE) | 2.6690% | 5,051 |
| Retained earnings to average equity (ytd only) | 2.6690% | 4,346 |
| Net charge-offs to loans | 1.7184% | 62 |
| Credit loss provision to net charge-offs | 107.3931% | 2,146 |
| Earnings coverage of net charge-offs (x) | 1.3300% | 3,359 |
| Efficiency ratio | 61.5970% | 3,575 |
| Assets per employee ($millions) | 4.3789% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9755% | 143 |
| Loan loss allowance to noncurrent loans | 62.7568% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 3.8499% | 134 |
| Noncurrent loans to loans | 4.7413% | 143 |
| Net loans and leases to total assets | 74.9483% | 1,825 |
| Net loans and leases to deposits | 90.3337% | 1,851 |
| Net loans and leases to core deposits | 96.5000% | 2,068 |
| Total domestic deposits to total assets | 82.9683% | 3,318 |
| Equity capital to assets | 13.0961% | 1,293 |
| Core capital (leverage) ratio | 13.0315% | 1,270 |
| Tier 1 risk-based capital ratio | 15.2963% | 2,743 |
| Total risk-based capital ratio | 16.5638% | 2,656 |
| Memoranda: | ||
| Average total assets | $538,077,750 | 1,319 |
| Average earning assets | $484,361,750 | 1,357 |
| Average equity | $69,387,500 | 1,164 |
| Average total loans | $420,853,000 | 1,207 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8737% | 1,075 |
| Cost of funding earning assets | 0.6259% | 2,068 |
| Net interest margin | 4.2478% | 1,169 |
| Noninterest income to average assets | 0.7776% | 1,545 |
| Noninterest expense to average assets | 2.8115% | 2,630 |
| Loan and lease loss provision to assets | 1.4276% | 50 |
| Net operating income to assets | 0.3664% | 5,025 |
| Return on assets (ROA) | 0.3664% | 5,026 |
| Pretax return on assets | 0.3664% | 5,088 |
| Return on Equity (ROE) | 2.8557% | 5,046 |
| Retained earnings to average equity (ytd only) | 2.8557% | 4,111 |
| Net charge-offs to loans | 1.5279% | 77 |
| Credit loss provision to net charge-offs | 118.9740% | 1,808 |
| Earnings coverage of net charge-offs (x) | 1.4951% | 3,058 |
| Efficiency ratio | 61.0467% | 3,759 |
| Assets per employee ($millions) | 4.4702% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9465% | 152 |
| Loan loss allowance to noncurrent loans | 49.8424% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 4.8155% | 99 |
| Noncurrent loans to loans | 5.9116% | 93 |
| Net loans and leases to total assets | 76.0728% | 1,626 |
| Net loans and leases to deposits | 91.7461% | 1,613 |
| Net loans and leases to core deposits | 97.5797% | 1,919 |
| Total domestic deposits to total assets | 82.9166% | 3,431 |
| Equity capital to assets | 12.8740% | 1,360 |
| Core capital (leverage) ratio | 12.9164% | 1,261 |
| Tier 1 risk-based capital ratio | 14.8479% | 2,950 |
| Total risk-based capital ratio | 16.1153% | 2,859 |
| Memoranda: | ||
| Average total assets | $539,361,330 | 1,318 |
| Average earning assets | $486,036,330 | 1,350 |
| Average equity | $69,195,670 | 1,171 |
| Average total loans | $423,579,670 | 1,204 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6778% | 1,357 |
| Cost of funding earning assets | 0.5794% | 2,179 |
| Net interest margin | 4.0984% | 1,443 |
| Noninterest income to average assets | 1.2068% | 634 |
| Noninterest expense to average assets | 2.8608% | 2,491 |
| Loan and lease loss provision to assets | 1.5596% | 48 |
| Net operating income to assets | 0.4746% | 4,755 |
| Return on assets (ROA) | 0.4746% | 4,757 |
| Pretax return on assets | 0.4746% | 4,913 |
| Return on Equity (ROE) | 3.7056% | 4,844 |
| Retained earnings to average equity (ytd only) | 3.7056% | 3,714 |
| Net charge-offs to loans | 1.3680% | 105 |
| Credit loss provision to net charge-offs | 145.0276% | 1,252 |
| Earnings coverage of net charge-offs (x) | 1.8916% | 2,508 |
| Efficiency ratio | 58.4433% | 4,290 |
| Assets per employee ($millions) | 4.3291% | 3,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9260% | 167 |
| Loan loss allowance to noncurrent loans | 39.5368% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 6.0916% | 64 |
| Noncurrent loans to loans | 7.4006% | 59 |
| Net loans and leases to total assets | 77.4403% | 1,322 |
| Net loans and leases to deposits | 93.8585% | 1,236 |
| Net loans and leases to core deposits | 100.5026% | 1,649 |
| Total domestic deposits to total assets | 82.5075% | 3,810 |
| Equity capital to assets | 12.8965% | 1,296 |
| Core capital (leverage) ratio | 13.0692% | 1,159 |
| Tier 1 risk-based capital ratio | 14.7639% | 3,002 |
| Total risk-based capital ratio | 16.0313% | 2,910 |
| Memoranda: | ||
| Average total assets | $538,594,500 | 1,329 |
| Average earning assets | $484,676,000 | 1,368 |
| Average equity | $68,976,000 | 1,181 |
| Average total loans | $423,386,500 | 1,207 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7469% | 1,082 |
| Cost of funding earning assets | 0.5251% | 2,141 |
| Net interest margin | 4.2218% | 1,144 |
| Noninterest income to average assets | 0.5851% | 2,521 |
| Noninterest expense to average assets | 2.7543% | 2,938 |
| Loan and lease loss provision to assets | 1.2170% | 77 |
| Net operating income to assets | 0.4267% | 4,601 |
| Return on assets (ROA) | 0.4277% | 4,620 |
| Pretax return on assets | 0.4277% | 5,050 |
| Return on Equity (ROE) | 3.3659% | 4,724 |
| Retained earnings to average equity (ytd only) | 1.5764% | 4,367 |
| Net charge-offs to loans | 1.9970% | 67 |
| Credit loss provision to net charge-offs | 77.5192% | 2,983 |
| Earnings coverage of net charge-offs (x) | 1.0470% | 3,934 |
| Efficiency ratio | 62.6255% | 3,841 |
| Assets per employee ($millions) | 4.4294% | 3,306 |
| Cash dividends to net income (ytd only)* | 53.1657% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8380% | 173 |
| Loan loss allowance to noncurrent loans | 42.4472% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 5.3407% | 85 |
| Noncurrent loans to loans | 6.6859% | 69 |
| Net loans and leases to total assets | 75.2542% | 1,713 |
| Net loans and leases to deposits | 91.0644% | 1,641 |
| Net loans and leases to core deposits | 97.1732% | 1,925 |
| Total domestic deposits to total assets | 82.6384% | 3,677 |
| Equity capital to assets | 12.7175% | 1,395 |
| Core capital (leverage) ratio | 12.9445% | 1,165 |
| Tier 1 risk-based capital ratio | 14.6221% | 3,027 |
| Total risk-based capital ratio | 15.8877% | 2,944 |
| Memoranda: | ||
| Average total assets | $539,198,000 | 1,299 |
| Average earning assets | $486,971,200 | 1,341 |
| Average equity | $68,511,600 | 1,164 |
| Average total loans | $423,896,400 | 1,176 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7814% | 961 |
| Cost of funding earning assets | 0.5156% | 2,145 |
| Net interest margin | 4.2658% | 1,008 |
| Noninterest income to average assets | 0.6010% | 2,485 |
| Noninterest expense to average assets | 2.7099% | 3,032 |
| Loan and lease loss provision to assets | 1.1042% | 93 |
| Net operating income to assets | 0.6455% | 4,210 |
| Return on assets (ROA) | 0.6462% | 4,263 |
| Pretax return on assets | 0.6462% | 4,741 |
| Return on Equity (ROE) | 5.0871% | 4,501 |
| Retained earnings to average equity (ytd only) | 3.6732% | 3,739 |
| Net charge-offs to loans | 2.4190% | 60 |
| Credit loss provision to net charge-offs | 57.8483% | 2,832 |
| Earnings coverage of net charge-offs (x) | 0.9167% | 3,617 |
| Efficiency ratio | 60.7656% | 4,079 |
| Assets per employee ($millions) | 4.3287% | 3,425 |
| Cash dividends to net income (ytd only)* | 27.7949% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4982% | 264 |
| Loan loss allowance to noncurrent loans | 41.2724% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 4.8256% | 113 |
| Noncurrent loans to loans | 6.0529% | 102 |
| Net loans and leases to total assets | 77.1819% | 1,399 |
| Net loans and leases to deposits | 93.8570% | 1,316 |
| Net loans and leases to core deposits | 99.2256% | 1,776 |
| Total domestic deposits to total assets | 82.2335% | 3,703 |
| Equity capital to assets | 13.0823% | 1,343 |
| Core capital (leverage) ratio | 13.0763% | 1,183 |
| Tier 1 risk-based capital ratio | 14.7548% | 3,034 |
| Total risk-based capital ratio | 16.0169% | 2,962 |
| Memoranda: | ||
| Average total assets | $538,901,750 | 1,312 |
| Average earning assets | $487,464,500 | 1,348 |
| Average equity | $68,458,750 | 1,171 |
| Average total loans | $425,235,750 | 1,179 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6735% | 1,110 |
| Cost of funding earning assets | 0.4992% | 2,167 |
| Net interest margin | 4.1743% | 1,136 |
| Noninterest income to average assets | 0.3445% | 4,086 |
| Noninterest expense to average assets | 2.6736% | 3,183 |
| Loan and lease loss provision to assets | 0.7992% | 130 |
| Net operating income to assets | 0.6517% | 4,072 |
| Return on assets (ROA) | 0.6528% | 4,121 |
| Pretax return on assets | 0.6528% | 4,677 |
| Return on Equity (ROE) | 5.1895% | 4,398 |
| Retained earnings to average equity (ytd only) | 3.0561% | 3,893 |
| Net charge-offs to loans | 1.8256% | 95 |
| Credit loss provision to net charge-offs | 55.5356% | 2,502 |
| Earnings coverage of net charge-offs (x) | 1.0082% | 3,331 |
| Efficiency ratio | 64.8234% | 3,531 |
| Assets per employee ($millions) | 4.3232% | 3,395 |
| Cash dividends to net income (ytd only)* | 41.1099% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8554% | 187 |
| Loan loss allowance to noncurrent loans | 52.5604% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 4.3391% | 147 |
| Noncurrent loans to loans | 5.4327% | 125 |
| Net loans and leases to total assets | 76.4724% | 1,471 |
| Net loans and leases to deposits | 92.6158% | 1,415 |
| Net loans and leases to core deposits | 98.1448% | 1,794 |
| Total domestic deposits to total assets | 82.5695% | 3,698 |
| Equity capital to assets | 12.8351% | 1,457 |
| Core capital (leverage) ratio | 12.8187% | 1,249 |
| Tier 1 risk-based capital ratio | 13.2839% | 3,810 |
| Total risk-based capital ratio | 14.5471% | 3,724 |
| Memoranda: | ||
| Average total assets | $541,059,670 | 1,318 |
| Average earning assets | $489,955,330 | 1,342 |
| Average equity | $68,060,330 | 1,178 |
| Average total loans | $426,492,000 | 1,184 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6187% | 1,094 |
| Cost of funding earning assets | 0.4850% | 2,210 |
| Net interest margin | 4.1337% | 1,136 |
| Noninterest income to average assets | 0.3886% | 3,749 |
| Noninterest expense to average assets | 2.6102% | 3,459 |
| Loan and lease loss provision to assets | 0.6623% | 152 |
| Net operating income to assets | 0.8669% | 2,916 |
| Return on assets (ROA) | 0.8691% | 2,959 |
| Pretax return on assets | 0.8691% | 3,870 |
| Return on Equity (ROE) | 6.9791% | 3,406 |
| Retained earnings to average equity (ytd only) | 2.6888% | 4,063 |
| Net charge-offs to loans | 3.6386% | 38 |
| Credit loss provision to net charge-offs | 23.0769% | 2,153 |
| Earnings coverage of net charge-offs (x) | 0.5328% | 2,811 |
| Efficiency ratio | 63.0578% | 3,979 |
| Assets per employee ($millions) | 4.2265% | 3,621 |
| Cash dividends to net income (ytd only)* | 61.4733% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5186% | 304 |
| Loan loss allowance to noncurrent loans | 47.6403% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 4.3225% | 160 |
| Noncurrent loans to loans | 5.2868% | 147 |
| Net loans and leases to total assets | 77.1307% | 1,253 |
| Net loans and leases to deposits | 93.0278% | 1,221 |
| Net loans and leases to core deposits | 97.3965% | 1,713 |
| Total domestic deposits to total assets | 82.9115% | 3,873 |
| Equity capital to assets | 12.5737% | 1,483 |
| Core capital (leverage) ratio | 12.5625% | 1,309 |
| Tier 1 risk-based capital ratio | 12.9725% | 4,095 |
| Total risk-based capital ratio | 14.2324% | 3,986 |
| Memoranda: | ||
| Average total assets | $543,551,000 | 1,314 |
| Average earning assets | $493,215,000 | 1,337 |
| Average equity | $67,687,500 | 1,179 |
| Average total loans | $428,737,500 | 1,187 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8281% | 838 |
| Cost of funding earning assets | 0.4943% | 2,132 |
| Net interest margin | 4.3339% | 879 |
| Noninterest income to average assets | 0.2924% | 4,650 |
| Noninterest expense to average assets | 2.8529% | 2,837 |
| Loan and lease loss provision to assets | 1.0948% | 88 |
| Net operating income to assets | 0.2797% | 5,260 |
| Return on assets (ROA) | 0.2871% | 5,317 |
| Pretax return on assets | 0.2871% | 5,378 |
| Return on Equity (ROE) | 2.2449% | 5,345 |
| Retained earnings to average equity (ytd only) | -2.9030% | 5,586 |
| Net charge-offs to loans | 0.1047% | 2,224 |
| Credit loss provision to net charge-offs | 1,306.5934% | 309 |
| Earnings coverage of net charge-offs (x) | 16.4044% | 2,113 |
| Efficiency ratio | 67.4856% | 3,350 |
| Assets per employee ($millions) | 4.2665% | 3,497 |
| Cash dividends to net income (ytd only)* | 229.3137% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2092% | 142 |
| Loan loss allowance to noncurrent loans | 64.5813% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 4.0697% | 186 |
| Noncurrent loans to loans | 4.9692% | 160 |
| Net loans and leases to total assets | 76.1096% | 1,499 |
| Net loans and leases to deposits | 91.4504% | 1,518 |
| Net loans and leases to core deposits | 95.8732% | 1,932 |
| Total domestic deposits to total assets | 83.2249% | 3,690 |
| Equity capital to assets | 12.3331% | 1,614 |
| Core capital (leverage) ratio | 12.1895% | 1,478 |
| Tier 1 risk-based capital ratio | 12.9070% | 4,125 |
| Total risk-based capital ratio | 14.1739% | 4,017 |
| Memoranda: | ||
| Average total assets | $543,025,600 | 1,276 |
| Average earning assets | $493,046,000 | 1,287 |
| Average equity | $69,445,600 | 1,132 |
| Average total loans | $434,367,800 | 1,122 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8910% | 739 |
| Cost of funding earning assets | 0.4903% | 2,167 |
| Net interest margin | 4.4007% | 775 |
| Noninterest income to average assets | 0.3051% | 4,583 |
| Noninterest expense to average assets | 2.9056% | 2,633 |
| Loan and lease loss provision to assets | 0.7733% | 138 |
| Net operating income to assets | 0.6181% | 4,220 |
| Return on assets (ROA) | 0.6253% | 4,309 |
| Pretax return on assets | 0.6253% | 4,812 |
| Return on Equity (ROE) | 4.8458% | 4,583 |
| Retained earnings to average equity (ytd only) | -0.2382% | 5,403 |
| Net charge-offs to loans | 0.0860% | 2,102 |
| Credit loss provision to net charge-offs | 1,119.2171% | 368 |
| Earnings coverage of net charge-offs (x) | 20.1386% | 1,892 |
| Efficiency ratio | 67.6184% | 3,296 |
| Assets per employee ($millions) | 4.2651% | 3,476 |
| Cash dividends to net income (ytd only)* | 104.9154% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5391% | 324 |
| Loan loss allowance to noncurrent loans | 71.0510% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 3.0549% | 372 |
| Noncurrent loans to loans | 3.5737% | 351 |
| Net loans and leases to total assets | 77.8207% | 1,229 |
| Net loans and leases to deposits | 94.0309% | 1,250 |
| Net loans and leases to core deposits | 98.5008% | 1,769 |
| Total domestic deposits to total assets | 82.7608% | 3,683 |
| Equity capital to assets | 12.6823% | 1,660 |
| Core capital (leverage) ratio | 12.8192% | 1,260 |
| Tier 1 risk-based capital ratio | 12.9901% | 4,170 |
| Total risk-based capital ratio | 14.2503% | 4,080 |
| Memoranda: | ||
| Average total assets | $542,253,500 | 1,277 |
| Average earning assets | $491,884,000 | 1,294 |
| Average equity | $69,968,750 | 1,133 |
| Average total loans | $435,603,250 | 1,120 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9032% | 718 |
| Cost of funding earning assets | 0.4732% | 2,337 |
| Net interest margin | 4.4301% | 718 |
| Noninterest income to average assets | 0.2120% | 5,222 |
| Noninterest expense to average assets | 2.9725% | 2,434 |
| Loan and lease loss provision to assets | 0.5170% | 248 |
| Net operating income to assets | 0.7409% | 3,598 |
| Return on assets (ROA) | 0.7517% | 3,693 |
| Pretax return on assets | 0.7517% | 4,445 |
| Return on Equity (ROE) | 5.7916% | 4,143 |
| Retained earnings to average equity (ytd only) | 0.5169% | 5,149 |
| Net charge-offs to loans | -0.3315% | 5,901 |
| Credit loss provision to net charge-offs | -193.7500% | 4,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2646% | 2,939 |
| Assets per employee ($millions) | 4.0828% | 3,764 |
| Cash dividends to net income (ytd only)* | 91.0750% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3589% | 424 |
| Loan loss allowance to noncurrent loans | 121.4803% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 1.8190% | 943 |
| Noncurrent loans to loans | 1.9418% | 1,037 |
| Net loans and leases to total assets | 79.9243% | 924 |
| Net loans and leases to deposits | 97.0124% | 962 |
| Net loans and leases to core deposits | 101.6736% | 1,496 |
| Total domestic deposits to total assets | 82.3857% | 3,879 |
| Equity capital to assets | 13.0174% | 1,489 |
| Core capital (leverage) ratio | 12.8862% | 1,194 |
| Tier 1 risk-based capital ratio | 13.1250% | 4,117 |
| Total risk-based capital ratio | 14.3836% | 4,043 |
| Memoranda: | ||
| Average total assets | $539,605,330 | 1,288 |
| Average earning assets | $489,472,000 | 1,304 |
| Average equity | $70,032,330 | 1,128 |
| Average total loans | $434,363,330 | 1,127 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8277% | 802 |
| Cost of funding earning assets | 0.4459% | 2,626 |
| Net interest margin | 4.3818% | 771 |
| Noninterest income to average assets | 0.0363% | 6,004 |
| Noninterest expense to average assets | 2.9899% | 2,422 |
| Loan and lease loss provision to assets | 0.4593% | 284 |
| Net operating income to assets | 0.5623% | 4,357 |
| Return on assets (ROA) | 0.5556% | 4,495 |
| Pretax return on assets | 0.5556% | 4,940 |
| Return on Equity (ROE) | 4.2875% | 4,784 |
| Retained earnings to average equity (ytd only) | 4.0245% | 3,478 |
| Net charge-offs to loans | -0.6794% | 6,020 |
| Credit loss provision to net charge-offs | -84.6995% | 4,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5337% | 2,396 |
| Assets per employee ($millions) | 3.9927% | 3,961 |
| Cash dividends to net income (ytd only)* | 6.1333% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1923% | 598 |
| Loan loss allowance to noncurrent loans | 118.6101% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 1.7711% | 1,056 |
| Noncurrent loans to loans | 1.8483% | 1,197 |
| Net loans and leases to total assets | 78.6500% | 1,002 |
| Net loans and leases to deposits | 95.1516% | 1,029 |
| Net loans and leases to core deposits | 99.4972% | 1,521 |
| Total domestic deposits to total assets | 82.6576% | 4,018 |
| Equity capital to assets | 12.8842% | 1,471 |
| Core capital (leverage) ratio | 13.1694% | 1,095 |
| Tier 1 risk-based capital ratio | 13.2432% | 4,122 |
| Total risk-based capital ratio | 14.5001% | 4,046 |
| Memoranda: | ||
| Average total assets | $539,945,000 | 1,289 |
| Average earning assets | $489,841,000 | 1,300 |
| Average equity | $69,971,500 | 1,126 |
| Average total loans | $430,975,500 | 1,132 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7632% | 985 |
| Cost of funding earning assets | 0.4887% | 2,275 |
| Net interest margin | 4.2745% | 1,013 |
| Noninterest income to average assets | 0.2989% | 4,745 |
| Noninterest expense to average assets | 3.0048% | 2,529 |
| Loan and lease loss provision to assets | 0.7328% | 135 |
| Net operating income to assets | 0.3952% | 5,070 |
| Return on assets (ROA) | 0.3919% | 5,157 |
| Pretax return on assets | 0.3919% | 5,331 |
| Return on Equity (ROE) | 3.1368% | 5,256 |
| Retained earnings to average equity (ytd only) | 1.4779% | 4,882 |
| Net charge-offs to loans | 0.4360% | 634 |
| Credit loss provision to net charge-offs | 220.7338% | 1,289 |
| Earnings coverage of net charge-offs (x) | 3.3978% | 3,734 |
| Efficiency ratio | 72.7052% | 2,788 |
| Assets per employee ($millions) | 3.7794% | 4,321 |
| Cash dividends to net income (ytd only)* | 52.8860% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9642% | 853 |
| Loan loss allowance to noncurrent loans | 137.4047% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.4325% | 1,453 |
| Noncurrent loans to loans | 1.4295% | 1,628 |
| Net loans and leases to total assets | 77.6523% | 1,173 |
| Net loans and leases to deposits | 92.0469% | 1,395 |
| Net loans and leases to core deposits | 94.6182% | 1,986 |
| Total domestic deposits to total assets | 84.3617% | 3,348 |
| Equity capital to assets | 13.0358% | 1,330 |
| Core capital (leverage) ratio | 12.8417% | 1,212 |
| Tier 1 risk-based capital ratio | 13.7765% | 3,840 |
| Total risk-based capital ratio | 15.0312% | 3,765 |
| Memoranda: | ||
| Average total assets | $517,180,000 | 1,298 |
| Average earning assets | $463,870,800 | 1,332 |
| Average equity | $64,619,000 | 1,171 |
| Average total loans | $393,821,200 | 1,172 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6985% | 1,103 |
| Cost of funding earning assets | 0.4918% | 2,298 |
| Net interest margin | 4.2066% | 1,150 |
| Noninterest income to average assets | 0.4845% | 3,478 |
| Noninterest expense to average assets | 3.0976% | 2,227 |
| Loan and lease loss provision to assets | 0.6468% | 129 |
| Net operating income to assets | 0.5016% | 4,779 |
| Return on assets (ROA) | 0.4967% | 4,889 |
| Pretax return on assets | 0.4967% | 5,226 |
| Return on Equity (ROE) | 4.0205% | 5,028 |
| Retained earnings to average equity (ytd only) | 2.2352% | 4,763 |
| Net charge-offs to loans | 0.5788% | 387 |
| Credit loss provision to net charge-offs | 148.3026% | 1,699 |
| Earnings coverage of net charge-offs (x) | 2.6331% | 3,632 |
| Efficiency ratio | 72.9520% | 2,725 |
| Assets per employee ($millions) | 3.8815% | 4,120 |
| Cash dividends to net income (ytd only)* | 44.4037% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6634% | 1,570 |
| Loan loss allowance to noncurrent loans | 254.3974% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.8615% | 2,724 |
| Noncurrent loans to loans | 0.6538% | 3,369 |
| Net loans and leases to total assets | 75.9283% | 1,395 |
| Net loans and leases to deposits | 89.7843% | 1,680 |
| Net loans and leases to core deposits | 92.0134% | 2,265 |
| Total domestic deposits to total assets | 84.5674% | 3,189 |
| Equity capital to assets | 12.7232% | 1,602 |
| Core capital (leverage) ratio | 12.4086% | 1,458 |
| Tier 1 risk-based capital ratio | 13.4760% | 4,150 |
| Total risk-based capital ratio | 14.7273% | 4,082 |
| Memoranda: | ||
| Average total assets | $513,251,000 | 1,315 |
| Average earning assets | $458,947,250 | 1,357 |
| Average equity | $63,407,000 | 1,198 |
| Average total loans | $386,752,250 | 1,192 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 1,560 |
| Cost of funding earning assets | 0.4815% | 2,418 |
| Net interest margin | 4.0124% | 1,606 |
| Noninterest income to average assets | 0.4702% | 3,559 |
| Noninterest expense to average assets | 2.8938% | 2,918 |
| Loan and lease loss provision to assets | 0.6336% | 137 |
| Net operating income to assets | 0.5387% | 4,618 |
| Return on assets (ROA) | 0.5395% | 4,718 |
| Pretax return on assets | 0.5395% | 5,121 |
| Return on Equity (ROE) | 4.4153% | 4,853 |
| Retained earnings to average equity (ytd only) | 2.7849% | 4,275 |
| Net charge-offs to loans | 0.2423% | 1,074 |
| Credit loss provision to net charge-offs | 350.2203% | 829 |
| Earnings coverage of net charge-offs (x) | 6.4802% | 2,779 |
| Efficiency ratio | 71.1682% | 3,135 |
| Assets per employee ($millions) | 4.0942% | 3,694 |
| Cash dividends to net income (ytd only)* | 36.9276% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7438% | 1,510 |
| Loan loss allowance to noncurrent loans | 173.1983% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 1.2283% | 2,055 |
| Noncurrent loans to loans | 1.0068% | 2,633 |
| Net loans and leases to total assets | 72.8128% | 1,843 |
| Net loans and leases to deposits | 84.2861% | 2,282 |
| Net loans and leases to core deposits | 86.0250% | 2,762 |
| Total domestic deposits to total assets | 86.3877% | 2,493 |
| Equity capital to assets | 12.1034% | 1,946 |
| Core capital (leverage) ratio | 12.1439% | 1,566 |
| Tier 1 risk-based capital ratio | 13.3497% | 4,311 |
| Total risk-based capital ratio | 14.6017% | 4,240 |
| Memoranda: | ||
| Average total assets | $501,904,670 | 1,354 |
| Average earning assets | $449,807,330 | 1,396 |
| Average equity | $61,331,670 | 1,242 |
| Average total loans | $374,810,670 | 1,231 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9217% | 3,518 |
| Cost of funding earning assets | 0.4156% | 3,132 |
| Net interest margin | 3.5062% | 3,418 |
| Noninterest income to average assets | 0.3835% | 4,133 |
| Noninterest expense to average assets | 2.5701% | 4,028 |
| Loan and lease loss provision to assets | 0.5466% | 182 |
| Net operating income to assets | 0.4160% | 5,014 |
| Return on assets (ROA) | 0.4117% | 5,140 |
| Pretax return on assets | 0.4117% | 5,402 |
| Return on Equity (ROE) | 3.3497% | 5,235 |
| Retained earnings to average equity (ytd only) | 3.3497% | 3,976 |
| Net charge-offs to loans | 0.1002% | 1,721 |
| Credit loss provision to net charge-offs | 727.2727% | 416 |
| Earnings coverage of net charge-offs (x) | 12.8068% | 1,768 |
| Efficiency ratio | 72.7515% | 3,036 |
| Assets per employee ($millions) | 3.9474% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 2,153 |
| Loan loss allowance to noncurrent loans | 137.6856% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 1.7142% | 1,459 |
| Noncurrent loans to loans | 1.1418% | 2,490 |
| Net loans and leases to total assets | 74.5704% | 1,418 |
| Net loans and leases to deposits | 87.7365% | 1,640 |
| Net loans and leases to core deposits | 89.7265% | 2,155 |
| Total domestic deposits to total assets | 84.9936% | 3,409 |
| Equity capital to assets | 12.1599% | 1,920 |
| Core capital (leverage) ratio | 17.9469% | 287 |
| Tier 1 risk-based capital ratio | 12.6520% | 4,811 |
| Total risk-based capital ratio | 13.8862% | 4,737 |
| Memoranda: | ||
| Average total assets | $468,309,500 | 1,455 |
| Average earning assets | $420,630,500 | 1,501 |
| Average equity | $57,557,500 | 1,326 |
| Average total loans | $351,352,000 | 1,290 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5251% | 1,774 |
| Cost of funding earning assets | 0.5809% | 1,942 |
| Net interest margin | 3.9442% | 2,072 |
| Noninterest income to average assets | 0.4826% | 3,632 |
| Noninterest expense to average assets | 2.8029% | 3,472 |
| Loan and lease loss provision to assets | 0.0771% | 2,933 |
| Net operating income to assets | 0.7782% | 3,479 |
| Return on assets (ROA) | 0.7438% | 3,759 |
| Pretax return on assets | 1.0906% | 3,121 |
| Return on Equity (ROE) | 6.2736% | 4,012 |
| Retained earnings to average equity (ytd only) | -1.3163% | 5,953 |
| Net charge-offs to loans | 0.0447% | 3,933 |
| Credit loss provision to net charge-offs | 247.9339% | 1,026 |
| Earnings coverage of net charge-offs (x) | 39.1653% | 1,105 |
| Efficiency ratio | 69.7014% | 3,582 |
| Assets per employee ($millions) | 3.8354% | 4,273 |
| Cash dividends to net income (ytd only)* | 120.9817% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 4,383 |
| Loan loss allowance to noncurrent loans | 55.4275% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 1.7515% | 1,511 |
| Noncurrent loans to loans | 2.0418% | 1,347 |
| Net loans and leases to total assets | 73.0534% | 1,746 |
| Net loans and leases to deposits | 84.6709% | 2,141 |
| Net loans and leases to core deposits | 86.9815% | 2,610 |
| Total domestic deposits to total assets | 86.2793% | 2,686 |
| Equity capital to assets | 12.4920% | 1,660 |
| Core capital (leverage) ratio | 12.1491% | 1,534 |
| Tier 1 risk-based capital ratio | 15.6171% | 3,182 |
| Total risk-based capital ratio | 16.6464% | 3,221 |
| Memoranda: | ||
| Average total assets | $388,957,600 | 1,683 |
| Average earning assets | $348,965,200 | 1,712 |
| Average equity | $46,113,800 | 1,557 |
| Average total loans | $270,517,800 | 1,574 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5269% | 1,778 |
| Cost of funding earning assets | 0.5849% | 1,971 |
| Net interest margin | 3.9420% | 2,070 |
| Noninterest income to average assets | 0.4908% | 3,608 |
| Noninterest expense to average assets | 2.7887% | 3,503 |
| Loan and lease loss provision to assets | 0.1015% | 2,341 |
| Net operating income to assets | 0.7781% | 3,521 |
| Return on assets (ROA) | 0.7357% | 3,855 |
| Pretax return on assets | 1.0788% | 3,273 |
| Return on Equity (ROE) | 6.2846% | 4,088 |
| Retained earnings to average equity (ytd only) | 6.2846% | 2,228 |
| Net charge-offs to loans | -0.0622% | 5,993 |
| Credit loss provision to net charge-offs | -238.0952% | 5,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1785% | 3,642 |
| Assets per employee ($millions) | 4.0521% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 4,107 |
| Loan loss allowance to noncurrent loans | 67.1919% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 1.5481% | 1,982 |
| Noncurrent loans to loans | 1.8233% | 1,764 |
| Net loans and leases to total assets | 68.9364% | 2,380 |
| Net loans and leases to deposits | 79.8957% | 2,704 |
| Net loans and leases to core deposits | 82.0848% | 3,096 |
| Total domestic deposits to total assets | 86.2830% | 2,712 |
| Equity capital to assets | 12.4114% | 1,762 |
| Core capital (leverage) ratio | 12.7155% | 1,295 |
| Tier 1 risk-based capital ratio | 16.6326% | 2,756 |
| Total risk-based capital ratio | 17.7503% | 2,765 |
| Memoranda: | ||
| Average total assets | $394,148,250 | 1,681 |
| Average earning assets | $353,990,000 | 1,705 |
| Average equity | $46,143,500 | 1,567 |
| Average total loans | $270,132,750 | 1,586 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4918% | 1,855 |
| Cost of funding earning assets | 0.5899% | 1,980 |
| Net interest margin | 3.9019% | 2,158 |
| Noninterest income to average assets | 0.5027% | 3,467 |
| Noninterest expense to average assets | 2.7641% | 3,645 |
| Loan and lease loss provision to assets | 0.1263% | 1,954 |
| Net operating income to assets | 0.7634% | 3,496 |
| Return on assets (ROA) | 0.7194% | 3,829 |
| Pretax return on assets | 1.0529% | 3,271 |
| Return on Equity (ROE) | 6.2688% | 4,013 |
| Retained earnings to average equity (ytd only) | 6.2688% | 2,170 |
| Net charge-offs to loans | 0.0282% | 3,629 |
| Credit loss provision to net charge-offs | 657.8947% | 473 |
| Earnings coverage of net charge-offs (x) | 64.7895% | 766 |
| Efficiency ratio | 68.9651% | 3,841 |
| Assets per employee ($millions) | 3.9514% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 4,752 |
| Loan loss allowance to noncurrent loans | 68.4257% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 1.4057% | 2,331 |
| Noncurrent loans to loans | 1.6545% | 2,099 |
| Net loans and leases to total assets | 69.4761% | 2,164 |
| Net loans and leases to deposits | 80.2100% | 2,491 |
| Net loans and leases to core deposits | 82.3836% | 2,929 |
| Total domestic deposits to total assets | 86.6177% | 2,687 |
| Equity capital to assets | 12.1174% | 1,903 |
| Core capital (leverage) ratio | 12.0002% | 1,652 |
| Tier 1 risk-based capital ratio | 16.0857% | 3,044 |
| Total risk-based capital ratio | 17.1127% | 3,098 |
| Memoranda: | ||
| Average total assets | $395,862,670 | 1,672 |
| Average earning assets | $355,626,000 | 1,701 |
| Average equity | $45,431,000 | 1,574 |
| Average total loans | $269,679,670 | 1,580 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3821% | 2,210 |
| Cost of funding earning assets | 0.5978% | 1,990 |
| Net interest margin | 3.7843% | 2,529 |
| Noninterest income to average assets | 0.5203% | 3,267 |
| Noninterest expense to average assets | 2.7072% | 3,912 |
| Loan and lease loss provision to assets | 0.1507% | 1,607 |
| Net operating income to assets | 0.7306% | 3,540 |
| Return on assets (ROA) | 0.6801% | 3,862 |
| Pretax return on assets | 0.9965% | 3,331 |
| Return on Equity (ROE) | 6.0929% | 3,969 |
| Retained earnings to average equity (ytd only) | 6.0929% | 2,491 |
| Net charge-offs to loans | 0.0344% | 2,911 |
| Credit loss provision to net charge-offs | 652.1739% | 436 |
| Earnings coverage of net charge-offs (x) | 52.8696% | 727 |
| Efficiency ratio | 68.9082% | 4,018 |
| Assets per employee ($millions) | 3.7230% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 4,985 |
| Loan loss allowance to noncurrent loans | 91.5054% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.0873% | 3,077 |
| Noncurrent loans to loans | 1.2349% | 2,978 |
| Net loans and leases to total assets | 67.1094% | 2,377 |
| Net loans and leases to deposits | 76.8574% | 2,705 |
| Net loans and leases to core deposits | 78.8401% | 3,108 |
| Total domestic deposits to total assets | 87.3169% | 2,623 |
| Equity capital to assets | 11.3523% | 2,375 |
| Core capital (leverage) ratio | 12.0660% | 1,611 |
| Tier 1 risk-based capital ratio | 16.1272% | 3,101 |
| Total risk-based capital ratio | 17.1443% | 3,182 |
| Memoranda: | ||
| Average total assets | $398,200,000 | 1,674 |
| Average earning assets | $358,637,000 | 1,696 |
| Average equity | $44,445,500 | 1,601 |
| Average total loans | $267,072,500 | 1,596 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 2,466 |
| Cost of funding earning assets | 0.7035% | 1,787 |
| Net interest margin | 3.7271% | 2,951 |
| Noninterest income to average assets | 0.5146% | 3,668 |
| Noninterest expense to average assets | 2.7483% | 3,914 |
| Loan and lease loss provision to assets | 0.1828% | 2,013 |
| Net operating income to assets | 0.6442% | 4,058 |
| Return on assets (ROA) | 0.6456% | 4,161 |
| Pretax return on assets | 0.9335% | 3,627 |
| Return on Equity (ROE) | 5.9195% | 4,133 |
| Retained earnings to average equity (ytd only) | 4.8017% | 2,732 |
| Net charge-offs to loans | 0.1844% | 2,995 |
| Credit loss provision to net charge-offs | 156.9038% | 1,469 |
| Earnings coverage of net charge-offs (x) | 9.5628% | 2,487 |
| Efficiency ratio | 71.1500% | 3,639 |
| Assets per employee ($millions) | 3.8263% | 4,210 |
| Cash dividends to net income (ytd only)* | 18.8822% | 3,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 5,207 |
| Loan loss allowance to noncurrent loans | 86.1557% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 1.1039% | 3,204 |
| Noncurrent loans to loans | 1.2641% | 3,016 |
| Net loans and leases to total assets | 65.5559% | 2,762 |
| Net loans and leases to deposits | 74.6662% | 3,163 |
| Net loans and leases to core deposits | 76.5123% | 3,554 |
| Total domestic deposits to total assets | 87.7986% | 2,309 |
| Equity capital to assets | 10.9743% | 2,632 |
| Core capital (leverage) ratio | 10.9900% | 2,393 |
| Tier 1 risk-based capital ratio | 16.0158% | 3,086 |
| Total risk-based capital ratio | 16.9973% | 3,186 |
| Memoranda: | ||
| Average total assets | $410,186,800 | 1,608 |
| Average earning assets | $368,467,800 | 1,641 |
| Average equity | $44,733,800 | 1,561 |
| Average total loans | $259,193,400 | 1,598 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 2,587 |
| Cost of funding earning assets | 0.7116% | 1,875 |
| Net interest margin | 3.6919% | 3,059 |
| Noninterest income to average assets | 0.4970% | 3,827 |
| Noninterest expense to average assets | 2.7216% | 3,939 |
| Loan and lease loss provision to assets | 0.1940% | 1,880 |
| Net operating income to assets | 0.6138% | 4,286 |
| Return on assets (ROA) | 0.6138% | 4,412 |
| Pretax return on assets | 0.8951% | 3,907 |
| Return on Equity (ROE) | 5.6367% | 4,392 |
| Retained earnings to average equity (ytd only) | 5.6367% | 2,640 |
| Net charge-offs to loans | 0.2269% | 2,454 |
| Credit loss provision to net charge-offs | 136.9863% | 1,713 |
| Earnings coverage of net charge-offs (x) | 7.6894% | 2,755 |
| Efficiency ratio | 71.4189% | 3,527 |
| Assets per employee ($millions) | 3.9725% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 5,465 |
| Loan loss allowance to noncurrent loans | 87.4882% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.1479% | 3,364 |
| Noncurrent loans to loans | 1.2175% | 3,376 |
| Net loans and leases to total assets | 62.1252% | 3,336 |
| Net loans and leases to deposits | 70.5596% | 3,706 |
| Net loans and leases to core deposits | 72.1811% | 4,066 |
| Total domestic deposits to total assets | 88.0463% | 2,104 |
| Equity capital to assets | 10.6895% | 3,084 |
| Core capital (leverage) ratio | 11.4339% | 2,096 |
| Tier 1 risk-based capital ratio | 15.9717% | 3,208 |
| Total risk-based capital ratio | 16.9184% | 3,326 |
| Memoranda: | ||
| Average total assets | $412,294,000 | 1,611 |
| Average earning assets | $370,058,250 | 1,638 |
| Average equity | $44,894,750 | 1,572 |
| Average total loans | $257,422,750 | 1,609 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3181% | 2,873 |
| Cost of funding earning assets | 0.7239% | 1,894 |
| Net interest margin | 3.5942% | 3,385 |
| Noninterest income to average assets | 0.5152% | 3,734 |
| Noninterest expense to average assets | 2.6984% | 4,040 |
| Loan and lease loss provision to assets | 0.1826% | 2,077 |
| Net operating income to assets | 0.6000% | 4,280 |
| Return on assets (ROA) | 0.6000% | 4,463 |
| Pretax return on assets | 0.8741% | 4,012 |
| Return on Equity (ROE) | 5.4759% | 4,475 |
| Retained earnings to average equity (ytd only) | 5.4759% | 2,759 |
| Net charge-offs to loans | 0.2571% | 2,181 |
| Credit loss provision to net charge-offs | 113.9818% | 1,938 |
| Earnings coverage of net charge-offs (x) | 6.5957% | 2,691 |
| Efficiency ratio | 71.8584% | 3,497 |
| Assets per employee ($millions) | 3.8884% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 5,670 |
| Loan loss allowance to noncurrent loans | 91.1695% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.9538% | 3,877 |
| Noncurrent loans to loans | 1.1397% | 3,654 |
| Net loans and leases to total assets | 62.9776% | 3,104 |
| Net loans and leases to deposits | 71.7097% | 3,492 |
| Net loans and leases to core deposits | 73.3812% | 3,886 |
| Total domestic deposits to total assets | 87.8231% | 2,371 |
| Equity capital to assets | 10.9183% | 2,829 |
| Core capital (leverage) ratio | 11.3257% | 2,075 |
| Tier 1 risk-based capital ratio | 16.2241% | 3,077 |
| Total risk-based capital ratio | 17.1590% | 3,193 |
| Memoranda: | ||
| Average total assets | $410,688,330 | 1,619 |
| Average earning assets | $370,206,000 | 1,635 |
| Average equity | $44,997,330 | 1,575 |
| Average total loans | $255,923,330 | 1,623 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2790% | 2,983 |
| Cost of funding earning assets | 0.7382% | 1,940 |
| Net interest margin | 3.5408% | 3,518 |
| Noninterest income to average assets | 0.4417% | 4,164 |
| Noninterest expense to average assets | 2.5595% | 4,532 |
| Loan and lease loss provision to assets | 0.2175% | 1,706 |
| Net operating income to assets | 0.5896% | 4,272 |
| Return on assets (ROA) | 0.5896% | 4,420 |
| Pretax return on assets | 0.8593% | 3,918 |
| Return on Equity (ROE) | 5.3721% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.3721% | 3,018 |
| Net charge-offs to loans | 0.2257% | 2,089 |
| Credit loss provision to net charge-offs | 156.2500% | 1,319 |
| Earnings coverage of net charge-offs (x) | 7.7361% | 2,025 |
| Efficiency ratio | 70.3881% | 3,911 |
| Assets per employee ($millions) | 4.0081% | 3,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 5,697 |
| Loan loss allowance to noncurrent loans | 86.4666% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.0151% | 3,897 |
| Noncurrent loans to loans | 1.2427% | 3,699 |
| Net loans and leases to total assets | 61.0029% | 3,247 |
| Net loans and leases to deposits | 69.6768% | 3,545 |
| Net loans and leases to core deposits | 71.2848% | 3,916 |
| Total domestic deposits to total assets | 87.5512% | 2,603 |
| Equity capital to assets | 11.1680% | 2,779 |
| Core capital (leverage) ratio | 10.9397% | 2,308 |
| Tier 1 risk-based capital ratio | 16.6121% | 2,944 |
| Total risk-based capital ratio | 17.5950% | 3,035 |
| Memoranda: | ||
| Average total assets | $413,834,500 | 1,621 |
| Average earning assets | $373,358,500 | 1,641 |
| Average equity | $45,419,500 | 1,577 |
| Average total loans | $255,208,500 | 1,635 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5967% | 3,015 |
| Cost of funding earning assets | 0.8606% | 2,212 |
| Net interest margin | 3.7361% | 3,496 |
| Noninterest income to average assets | 0.4899% | 3,966 |
| Noninterest expense to average assets | 2.7726% | 4,134 |
| Loan and lease loss provision to assets | 0.5780% | 963 |
| Net operating income to assets | 0.3343% | 5,351 |
| Return on assets (ROA) | 0.4844% | 5,000 |
| Pretax return on assets | 0.6992% | 4,669 |
| Return on Equity (ROE) | 4.2988% | 5,023 |
| Retained earnings to average equity (ytd only) | 3.6268% | 3,656 |
| Net charge-offs to loans | 0.9665% | 1,141 |
| Credit loss provision to net charge-offs | 95.6958% | 3,245 |
| Earnings coverage of net charge-offs (x) | 1.7543% | 4,557 |
| Efficiency ratio | 72.3488% | 3,353 |
| Assets per employee ($millions) | 4.1469% | 3,656 |
| Cash dividends to net income (ytd only)* | 15.6331% | 3,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 5,906 |
| Loan loss allowance to noncurrent loans | 81.3622% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.0140% | 4,010 |
| Noncurrent loans to loans | 1.2504% | 3,749 |
| Net loans and leases to total assets | 61.0454% | 3,411 |
| Net loans and leases to deposits | 69.3967% | 3,779 |
| Net loans and leases to core deposits | 70.9775% | 4,171 |
| Total domestic deposits to total assets | 87.9658% | 2,262 |
| Equity capital to assets | 10.7871% | 3,183 |
| Core capital (leverage) ratio | 11.2929% | 2,018 |
| Tier 1 risk-based capital ratio | 16.2820% | 3,005 |
| Total risk-based capital ratio | 17.2295% | 3,127 |
| Memoranda: | ||
| Average total assets | $396,164,400 | 1,654 |
| Average earning assets | $354,407,200 | 1,683 |
| Average equity | $44,640,200 | 1,562 |
| Average total loans | $247,600,200 | 1,664 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6389% | 3,061 |
| Cost of funding earning assets | 0.8906% | 2,235 |
| Net interest margin | 3.7482% | 3,565 |
| Noninterest income to average assets | 0.4954% | 3,961 |
| Noninterest expense to average assets | 2.8053% | 3,965 |
| Loan and lease loss provision to assets | 0.5173% | 1,173 |
| Net operating income to assets | 0.3616% | 5,398 |
| Return on assets (ROA) | 0.5084% | 5,076 |
| Pretax return on assets | 0.7338% | 4,735 |
| Return on Equity (ROE) | 4.4608% | 5,063 |
| Retained earnings to average equity (ytd only) | 4.4608% | 3,757 |
| Net charge-offs to loans | 0.7915% | 1,394 |
| Credit loss provision to net charge-offs | 104.1953% | 2,831 |
| Earnings coverage of net charge-offs (x) | 2.0915% | 4,225 |
| Efficiency ratio | 72.9857% | 3,145 |
| Assets per employee ($millions) | 3.6521% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 5,750 |
| Loan loss allowance to noncurrent loans | 63.0818% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 1.5781% | 3,229 |
| Noncurrent loans to loans | 1.7313% | 3,191 |
| Net loans and leases to total assets | 66.5738% | 2,548 |
| Net loans and leases to deposits | 76.8163% | 2,855 |
| Net loans and leases to core deposits | 78.8372% | 3,345 |
| Total domestic deposits to total assets | 86.6663% | 2,871 |
| Equity capital to assets | 11.9212% | 2,332 |
| Core capital (leverage) ratio | 11.6910% | 1,850 |
| Tier 1 risk-based capital ratio | 16.4489% | 3,034 |
| Total risk-based capital ratio | 17.4688% | 3,121 |
| Memoranda: | ||
| Average total assets | $390,495,250 | 1,698 |
| Average earning assets | $348,812,000 | 1,727 |
| Average equity | $44,505,000 | 1,582 |
| Average total loans | $244,922,500 | 1,696 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5327% | 3,634 |
| Cost of funding earning assets | 0.9165% | 2,281 |
| Net interest margin | 3.6162% | 4,193 |
| Noninterest income to average assets | 0.5055% | 3,891 |
| Noninterest expense to average assets | 2.7819% | 4,087 |
| Loan and lease loss provision to assets | 0.3629% | 1,820 |
| Net operating income to assets | 0.4115% | 5,175 |
| Return on assets (ROA) | 0.5207% | 4,990 |
| Pretax return on assets | 0.7532% | 4,636 |
| Return on Equity (ROE) | 4.6376% | 4,977 |
| Retained earnings to average equity (ytd only) | 4.6376% | 3,526 |
| Net charge-offs to loans | 0.6588% | 1,675 |
| Credit loss provision to net charge-offs | 89.9371% | 3,051 |
| Earnings coverage of net charge-offs (x) | 2.3736% | 3,815 |
| Efficiency ratio | 74.3893% | 3,010 |
| Assets per employee ($millions) | 3.7007% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 5,895 |
| Loan loss allowance to noncurrent loans | 54.9886% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 1.7369% | 3,122 |
| Noncurrent loans to loans | 1.9440% | 3,005 |
| Net loans and leases to total assets | 63.7455% | 3,092 |
| Net loans and leases to deposits | 73.2431% | 3,417 |
| Net loans and leases to core deposits | 75.1883% | 3,857 |
| Total domestic deposits to total assets | 87.0327% | 2,747 |
| Equity capital to assets | 11.6295% | 2,465 |
| Core capital (leverage) ratio | 11.4138% | 1,962 |
| Tier 1 risk-based capital ratio | 16.8408% | 2,744 |
| Total risk-based capital ratio | 17.8426% | 2,826 |
| Memoranda: | ||
| Average total assets | $394,054,000 | 1,684 |
| Average earning assets | $352,415,000 | 1,710 |
| Average equity | $44,247,000 | 1,577 |
| Average total loans | $241,346,000 | 1,708 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4423% | 4,150 |
| Cost of funding earning assets | 0.9879% | 2,047 |
| Net interest margin | 3.4543% | 4,895 |
| Noninterest income to average assets | 0.4977% | 3,923 |
| Noninterest expense to average assets | 2.7032% | 4,416 |
| Loan and lease loss provision to assets | 0.1254% | 3,781 |
| Net operating income to assets | 0.5245% | 4,713 |
| Return on assets (ROA) | 0.5910% | 4,602 |
| Pretax return on assets | 0.8599% | 4,192 |
| Return on Equity (ROE) | 5.3556% | 4,606 |
| Retained earnings to average equity (ytd only) | 5.3556% | 3,337 |
| Net charge-offs to loans | 0.5176% | 1,797 |
| Credit loss provision to net charge-offs | 40.5844% | 3,442 |
| Earnings coverage of net charge-offs (x) | 2.8766% | 3,027 |
| Efficiency ratio | 75.2514% | 2,900 |
| Assets per employee ($millions) | 3.7490% | 4,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 6,019 |
| Loan loss allowance to noncurrent loans | 47.3078% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 1.9694% | 2,950 |
| Noncurrent loans to loans | 2.2564% | 2,852 |
| Net loans and leases to total assets | 58.8695% | 3,890 |
| Net loans and leases to deposits | 67.1242% | 4,209 |
| Net loans and leases to core deposits | 68.8730% | 4,579 |
| Total domestic deposits to total assets | 87.7024% | 2,527 |
| Equity capital to assets | 11.0233% | 2,879 |
| Core capital (leverage) ratio | 11.0801% | 2,202 |
| Tier 1 risk-based capital ratio | 17.2444% | 2,580 |
| Total risk-based capital ratio | 18.2401% | 2,644 |
| Memoranda: | ||
| Average total assets | $398,643,000 | 1,666 |
| Average earning assets | $357,116,000 | 1,698 |
| Average equity | $43,991,000 | 1,577 |
| Average total loans | $238,023,000 | 1,735 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7327% | 4,111 |
| Cost of funding earning assets | 1.1384% | 2,421 |
| Net interest margin | 3.5944% | 4,756 |
| Noninterest income to average assets | 0.5735% | 3,342 |
| Noninterest expense to average assets | 2.6638% | 4,875 |
| Loan and lease loss provision to assets | 0.3495% | 2,902 |
| Net operating income to assets | 0.5426% | 4,262 |
| Return on assets (ROA) | 0.5426% | 4,451 |
| Pretax return on assets | 0.7896% | 4,018 |
| Return on Equity (ROE) | 5.3353% | 4,232 |
| Retained earnings to average equity (ytd only) | 5.0882% | 2,570 |
| Net charge-offs to loans | 0.5664% | 2,756 |
| Credit loss provision to net charge-offs | 99.2522% | 3,605 |
| Earnings coverage of net charge-offs (x) | 3.2352% | 3,592 |
| Efficiency ratio | 70.0466% | 3,950 |
| Assets per employee ($millions) | 3.6680% | 4,620 |
| Cash dividends to net income (ytd only)* | 4.6317% | 3,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 5,624 |
| Loan loss allowance to noncurrent loans | 44.0342% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 2.1333% | 2,814 |
| Noncurrent loans to loans | 2.6131% | 2,504 |
| Net loans and leases to total assets | 59.2251% | 4,144 |
| Net loans and leases to deposits | 67.4498% | 4,518 |
| Net loans and leases to core deposits | 69.1096% | 4,896 |
| Total domestic deposits to total assets | 87.8062% | 2,274 |
| Equity capital to assets | 11.0473% | 2,938 |
| Core capital (leverage) ratio | 10.6091% | 2,611 |
| Tier 1 risk-based capital ratio | 17.2363% | 2,496 |
| Total risk-based capital ratio | 18.3174% | 2,524 |
| Memoranda: | ||
| Average total assets | $417,789,600 | 1,557 |
| Average earning assets | $375,365,400 | 1,584 |
| Average equity | $42,490,200 | 1,580 |
| Average total loans | $259,725,800 | 1,619 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7541% | 4,210 |
| Cost of funding earning assets | 1.1564% | 2,592 |
| Net interest margin | 3.5978% | 4,776 |
| Noninterest income to average assets | 0.5876% | 3,247 |
| Noninterest expense to average assets | 2.6464% | 4,919 |
| Loan and lease loss provision to assets | 0.3812% | 2,574 |
| Net operating income to assets | 0.5463% | 4,335 |
| Return on assets (ROA) | 0.5463% | 4,520 |
| Pretax return on assets | 0.7946% | 4,150 |
| Return on Equity (ROE) | 5.4822% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.4822% | 2,868 |
| Net charge-offs to loans | 0.5045% | 2,743 |
| Credit loss provision to net charge-offs | 120.5179% | 2,695 |
| Earnings coverage of net charge-offs (x) | 3.7171% | 3,323 |
| Efficiency ratio | 69.2384% | 4,084 |
| Assets per employee ($millions) | 3.9337% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 5,573 |
| Loan loss allowance to noncurrent loans | 43.3593% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 2.3190% | 2,770 |
| Noncurrent loans to loans | 2.7060% | 2,583 |
| Net loans and leases to total assets | 58.4465% | 4,424 |
| Net loans and leases to deposits | 65.9497% | 4,912 |
| Net loans and leases to core deposits | 67.5473% | 5,232 |
| Total domestic deposits to total assets | 88.6228% | 1,676 |
| Equity capital to assets | 10.2142% | 4,062 |
| Core capital (leverage) ratio | 10.1900% | 3,203 |
| Tier 1 risk-based capital ratio | 16.2756% | 2,982 |
| Total risk-based capital ratio | 17.3885% | 3,011 |
| Memoranda: | ||
| Average total assets | $423,201,250 | 1,552 |
| Average earning assets | $380,487,500 | 1,568 |
| Average equity | $42,172,000 | 1,597 |
| Average total loans | $265,320,500 | 1,603 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 4,435 |
| Cost of funding earning assets | 1.1896% | 2,647 |
| Net interest margin | 3.5330% | 5,002 |
| Noninterest income to average assets | 0.6038% | 3,112 |
| Noninterest expense to average assets | 2.6007% | 5,177 |
| Loan and lease loss provision to assets | 0.4188% | 2,341 |
| Net operating income to assets | 0.5248% | 4,397 |
| Return on assets (ROA) | 0.5248% | 4,541 |
| Pretax return on assets | 0.7619% | 4,174 |
| Return on Equity (ROE) | 5.3107% | 4,303 |
| Retained earnings to average equity (ytd only) | 5.3107% | 2,803 |
| Net charge-offs to loans | 0.6533% | 2,213 |
| Credit loss provision to net charge-offs | 100.3401% | 3,096 |
| Earnings coverage of net charge-offs (x) | 2.8288% | 3,430 |
| Efficiency ratio | 68.7774% | 4,374 |
| Assets per employee ($millions) | 3.8850% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 6,147 |
| Loan loss allowance to noncurrent loans | 52.6467% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 2.0714% | 3,151 |
| Noncurrent loans to loans | 1.9928% | 3,489 |
| Net loans and leases to total assets | 61.7037% | 3,946 |
| Net loans and leases to deposits | 69.4947% | 4,502 |
| Net loans and leases to core deposits | 71.3571% | 4,904 |
| Total domestic deposits to total assets | 88.7890% | 1,674 |
| Equity capital to assets | 10.1481% | 3,952 |
| Core capital (leverage) ratio | 9.9507% | 3,323 |
| Tier 1 risk-based capital ratio | 15.6389% | 3,160 |
| Total risk-based capital ratio | 16.6492% | 3,241 |
| Memoranda: | ||
| Average total assets | $422,655,000 | 1,567 |
| Average earning assets | $380,130,330 | 1,577 |
| Average equity | $41,764,670 | 1,605 |
| Average total loans | $270,010,000 | 1,598 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7554% | 4,274 |
| Cost of funding earning assets | 1.2014% | 2,806 |
| Net interest margin | 3.5540% | 4,794 |
| Noninterest income to average assets | 0.6488% | 2,858 |
| Noninterest expense to average assets | 2.5696% | 5,331 |
| Loan and lease loss provision to assets | 0.4809% | 1,832 |
| Net operating income to assets | 0.5469% | 4,280 |
| Return on assets (ROA) | 0.5469% | 4,366 |
| Pretax return on assets | 0.7949% | 3,915 |
| Return on Equity (ROE) | 5.6096% | 4,108 |
| Retained earnings to average equity (ytd only) | 5.6096% | 2,846 |
| Net charge-offs to loans | 0.3574% | 2,629 |
| Credit loss provision to net charge-offs | 208.1633% | 1,434 |
| Earnings coverage of net charge-offs (x) | 5.5224% | 2,267 |
| Efficiency ratio | 66.8220% | 4,894 |
| Assets per employee ($millions) | 3.9405% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 5,977 |
| Loan loss allowance to noncurrent loans | 55.0027% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 2.0745% | 3,226 |
| Noncurrent loans to loans | 2.0327% | 3,530 |
| Net loans and leases to total assets | 61.9172% | 3,877 |
| Net loans and leases to deposits | 69.3168% | 4,462 |
| Net loans and leases to core deposits | 71.2967% | 4,890 |
| Total domestic deposits to total assets | 89.3248% | 1,577 |
| Equity capital to assets | 9.7057% | 4,167 |
| Core capital (leverage) ratio | 9.6905% | 3,539 |
| Tier 1 risk-based capital ratio | 14.7658% | 3,569 |
| Total risk-based capital ratio | 15.8240% | 3,652 |
| Memoranda: | ||
| Average total assets | $424,193,500 | 1,569 |
| Average earning assets | $381,546,500 | 1,587 |
| Average equity | $41,357,500 | 1,615 |
| Average total loans | $274,195,000 | 1,600 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3160% | 3,043 |
| Cost of funding earning assets | 1.4267% | 3,089 |
| Net interest margin | 3.8892% | 3,542 |
| Noninterest income to average assets | 0.6193% | 3,346 |
| Noninterest expense to average assets | 2.5763% | 5,520 |
| Loan and lease loss provision to assets | 0.6006% | 2,733 |
| Net operating income to assets | 0.6425% | 3,470 |
| Return on assets (ROA) | 0.6425% | 3,621 |
| Pretax return on assets | 0.9394% | 3,135 |
| Return on Equity (ROE) | 6.5147% | 3,337 |
| Retained earnings to average equity (ytd only) | 6.5147% | 1,546 |
| Net charge-offs to loans | 0.9810% | 2,221 |
| Credit loss provision to net charge-offs | 86.2676% | 5,269 |
| Earnings coverage of net charge-offs (x) | 2.2120% | 4,068 |
| Efficiency ratio | 62.5871% | 5,609 |
| Assets per employee ($millions) | 4.1066% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 6,455 |
| Loan loss allowance to noncurrent loans | 34.5210% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 2.6373% | 2,637 |
| Noncurrent loans to loans | 2.8425% | 2,675 |
| Net loans and leases to total assets | 66.0577% | 3,459 |
| Net loans and leases to deposits | 73.9911% | 4,191 |
| Net loans and leases to core deposits | 75.8377% | 4,742 |
| Total domestic deposits to total assets | 89.2780% | 1,504 |
| Equity capital to assets | 9.7948% | 4,006 |
| Core capital (leverage) ratio | 9.6072% | 3,546 |
| Tier 1 risk-based capital ratio | 14.5727% | 3,496 |
| Total risk-based capital ratio | 15.5384% | 3,637 |
| Memoranda: | ||
| Average total assets | $407,910,400 | 1,618 |
| Average earning assets | $366,782,200 | 1,639 |
| Average equity | $40,232,000 | 1,647 |
| Average total loans | $289,508,600 | 1,546 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4176% | 2,806 |
| Cost of funding earning assets | 1.4681% | 3,157 |
| Net interest margin | 3.9495% | 3,324 |
| Noninterest income to average assets | 0.6335% | 3,231 |
| Noninterest expense to average assets | 2.5569% | 5,481 |
| Loan and lease loss provision to assets | 0.4113% | 3,439 |
| Net operating income to assets | 0.8010% | 2,992 |
| Return on assets (ROA) | 0.8010% | 3,151 |
| Pretax return on assets | 1.2126% | 2,444 |
| Return on Equity (ROE) | 8.1064% | 2,857 |
| Retained earnings to average equity (ytd only) | 8.1064% | 1,390 |
| Net charge-offs to loans | 0.5146% | 3,231 |
| Credit loss provision to net charge-offs | 110.9139% | 3,815 |
| Earnings coverage of net charge-offs (x) | 4.3789% | 3,077 |
| Efficiency ratio | 61.1570% | 5,766 |
| Assets per employee ($millions) | 4.0088% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 5,801 |
| Loan loss allowance to noncurrent loans | 35.0264% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 2.7768% | 2,609 |
| Noncurrent loans to loans | 3.2315% | 2,454 |
| Net loans and leases to total assets | 65.6698% | 3,759 |
| Net loans and leases to deposits | 73.5206% | 4,589 |
| Net loans and leases to core deposits | 75.7495% | 5,088 |
| Total domestic deposits to total assets | 89.3216% | 1,218 |
| Equity capital to assets | 9.5132% | 4,824 |
| Core capital (leverage) ratio | 9.6366% | 3,698 |
| Tier 1 risk-based capital ratio | 14.1747% | 3,705 |
| Total risk-based capital ratio | 15.2947% | 3,774 |
| Memoranda: | ||
| Average total assets | $405,169,000 | 1,659 |
| Average earning assets | $363,918,250 | 1,675 |
| Average equity | $40,033,000 | 1,665 |
| Average total loans | $292,025,250 | 1,551 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4899% | 2,563 |
| Cost of funding earning assets | 1.4972% | 3,272 |
| Net interest margin | 3.9927% | 3,055 |
| Noninterest income to average assets | 0.6840% | 2,790 |
| Noninterest expense to average assets | 2.5733% | 5,443 |
| Loan and lease loss provision to assets | 0.3789% | 3,442 |
| Net operating income to assets | 0.8714% | 2,652 |
| Return on assets (ROA) | 0.8714% | 2,786 |
| Pretax return on assets | 1.3180% | 2,031 |
| Return on Equity (ROE) | 8.7015% | 2,579 |
| Retained earnings to average equity (ytd only) | 8.7015% | 1,201 |
| Net charge-offs to loans | 0.6950% | 2,477 |
| Credit loss provision to net charge-offs | 73.5294% | 4,873 |
| Earnings coverage of net charge-offs (x) | 3.2931% | 3,382 |
| Efficiency ratio | 60.2626% | 6,003 |
| Assets per employee ($millions) | 3.6936% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9742% | 6,505 |
| Loan loss allowance to noncurrent loans | 31.1459% | 6,286 |
| Noncurrent assets plus other real estate owned to assets | 2.9446% | 2,435 |
| Noncurrent loans to loans | 3.1280% | 2,570 |
| Net loans and leases to total assets | 75.0101% | 1,691 |
| Net loans and leases to deposits | 85.0369% | 2,696 |
| Net loans and leases to core deposits | 88.1750% | 3,525 |
| Total domestic deposits to total assets | 88.2089% | 1,879 |
| Equity capital to assets | 10.4555% | 3,472 |
| Core capital (leverage) ratio | 10.2731% | 2,866 |
| Tier 1 risk-based capital ratio | 13.7648% | 3,901 |
| Total risk-based capital ratio | 14.7379% | 4,041 |
| Memoranda: | ||
| Average total assets | $395,909,330 | 1,701 |
| Average earning assets | $355,596,670 | 1,720 |
| Average equity | $39,648,330 | 1,682 |
| Average total loans | $293,510,000 | 1,554 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3306% | 3,392 |
| Cost of funding earning assets | 1.5275% | 3,389 |
| Net interest margin | 3.8032% | 3,785 |
| Noninterest income to average assets | 0.7211% | 2,459 |
| Noninterest expense to average assets | 2.5193% | 5,663 |
| Loan and lease loss provision to assets | 0.3000% | 3,636 |
| Net operating income to assets | 0.8791% | 2,636 |
| Return on assets (ROA) | 0.8791% | 2,714 |
| Pretax return on assets | 1.3282% | 1,973 |
| Return on Equity (ROE) | 8.9698% | 2,504 |
| Retained earnings to average equity (ytd only) | 8.9698% | 1,408 |
| Net charge-offs to loans | 0.9585% | 1,696 |
| Credit loss provision to net charge-offs | 42.6743% | 4,597 |
| Earnings coverage of net charge-offs (x) | 2.3158% | 3,385 |
| Efficiency ratio | 60.7427% | 6,046 |
| Assets per employee ($millions) | 3.8568% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 6,724 |
| Loan loss allowance to noncurrent loans | 29.4581% | 6,434 |
| Noncurrent assets plus other real estate owned to assets | 2.7148% | 2,679 |
| Noncurrent loans to loans | 3.1751% | 2,522 |
| Net loans and leases to total assets | 71.3736% | 2,593 |
| Net loans and leases to deposits | 80.2065% | 3,621 |
| Net loans and leases to core deposits | 82.9979% | 4,342 |
| Total domestic deposits to total assets | 88.9873% | 1,523 |
| Equity capital to assets | 9.7894% | 4,128 |
| Core capital (leverage) ratio | 10.0847% | 3,060 |
| Tier 1 risk-based capital ratio | 13.5463% | 3,954 |
| Total risk-based capital ratio | 14.4790% | 4,139 |
| Memoranda: | ||
| Average total assets | $399,951,500 | 1,727 |
| Average earning assets | $360,332,500 | 1,739 |
| Average equity | $39,198,000 | 1,715 |
| Average total loans | $293,380,000 | 1,603 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7998% | 2,650 |
| Cost of funding earning assets | 1.7331% | 4,346 |
| Net interest margin | 4.0668% | 2,583 |
| Noninterest income to average assets | 0.9613% | 1,698 |
| Noninterest expense to average assets | 2.6079% | 5,770 |
| Loan and lease loss provision to assets | 0.4172% | 4,313 |
| Net operating income to assets | 1.1136% | 1,479 |
| Return on assets (ROA) | 1.1136% | 1,513 |
| Pretax return on assets | 1.6026% | 960 |
| Return on Equity (ROE) | 11.8626% | 1,196 |
| Retained earnings to average equity (ytd only) | 11.8626% | 219 |
| Net charge-offs to loans | 0.2995% | 4,758 |
| Credit loss provision to net charge-offs | 190.3073% | 2,104 |
| Earnings coverage of net charge-offs (x) | 9.2139% | 1,832 |
| Efficiency ratio | 56.3550% | 6,969 |
| Assets per employee ($millions) | 3.8343% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 6,078 |
| Loan loss allowance to noncurrent loans | 42.3988% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 2.1657% | 3,181 |
| Noncurrent loans to loans | 2.5042% | 3,039 |
| Net loans and leases to total assets | 73.9004% | 2,296 |
| Net loans and leases to deposits | 82.6807% | 3,509 |
| Net loans and leases to core deposits | 93.7829% | 4,693 |
| Total domestic deposits to total assets | 89.3805% | 1,274 |
| Equity capital to assets | 9.8123% | 3,992 |
| Core capital (leverage) ratio | 9.6934% | 3,470 |
| Tier 1 risk-based capital ratio | 13.3241% | 3,931 |
| Total risk-based capital ratio | 14.4008% | 3,994 |
| Memoranda: | ||
| Average total assets | $385,943,000 | 1,772 |
| Average earning assets | $347,940,600 | 1,795 |
| Average equity | $36,231,600 | 1,861 |
| Average total loans | $282,513,600 | 1,706 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8329% | 2,736 |
| Cost of funding earning assets | 1.7525% | 4,625 |
| Net interest margin | 4.0804% | 2,479 |
| Noninterest income to average assets | 1.0449% | 1,460 |
| Noninterest expense to average assets | 2.5937% | 5,731 |
| Loan and lease loss provision to assets | 0.4205% | 3,806 |
| Net operating income to assets | 1.2034% | 1,460 |
| Return on assets (ROA) | 1.2034% | 1,515 |
| Pretax return on assets | 1.7072% | 961 |
| Return on Equity (ROE) | 12.9692% | 1,122 |
| Retained earnings to average equity (ytd only) | 12.9692% | 263 |
| Net charge-offs to loans | 0.3250% | 4,014 |
| Credit loss provision to net charge-offs | 177.6799% | 2,597 |
| Earnings coverage of net charge-offs (x) | 8.9912% | 2,167 |
| Efficiency ratio | 54.9349% | 7,123 |
| Assets per employee ($millions) | 4.4187% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9758% | 6,413 |
| Loan loss allowance to noncurrent loans | 56.0348% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 1.5586% | 4,026 |
| Noncurrent loans to loans | 1.7414% | 4,017 |
| Net loans and leases to total assets | 72.3163% | 2,949 |
| Net loans and leases to deposits | 80.7890% | 4,238 |
| Net loans and leases to core deposits | 91.3201% | 5,298 |
| Total domestic deposits to total assets | 89.5126% | 956 |
| Equity capital to assets | 9.3576% | 4,942 |
| Core capital (leverage) ratio | 9.6513% | 3,715 |
| Tier 1 risk-based capital ratio | 12.4570% | 4,579 |
| Total risk-based capital ratio | 13.4062% | 4,786 |
| Memoranda: | ||
| Average total assets | $383,695,250 | 1,794 |
| Average earning assets | $345,709,750 | 1,820 |
| Average equity | $35,601,500 | 1,914 |
| Average total loans | $279,394,500 | 1,745 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7811% | 3,135 |
| Cost of funding earning assets | 1.7884% | 4,815 |
| Net interest margin | 3.9927% | 2,728 |
| Noninterest income to average assets | 0.9604% | 1,727 |
| Noninterest expense to average assets | 2.6345% | 5,608 |
| Loan and lease loss provision to assets | 0.3776% | 3,665 |
| Net operating income to assets | 1.0896% | 1,810 |
| Return on assets (ROA) | 1.0896% | 1,885 |
| Pretax return on assets | 1.5433% | 1,343 |
| Return on Equity (ROE) | 11.7798% | 1,487 |
| Retained earnings to average equity (ytd only) | 11.7798% | 477 |
| Net charge-offs to loans | 0.0899% | 5,291 |
| Credit loss provision to net charge-offs | 577.2358% | 809 |
| Earnings coverage of net charge-offs (x) | 29.3659% | 1,011 |
| Efficiency ratio | 57.8333% | 6,886 |
| Assets per employee ($millions) | 3.9758% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 6,149 |
| Loan loss allowance to noncurrent loans | 54.7831% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 1.5518% | 3,899 |
| Noncurrent loans to loans | 1.8450% | 3,743 |
| Net loans and leases to total assets | 73.5262% | 2,834 |
| Net loans and leases to deposits | 81.8556% | 4,249 |
| Net loans and leases to core deposits | 91.2948% | 5,421 |
| Total domestic deposits to total assets | 89.8242% | 903 |
| Equity capital to assets | 9.0892% | 5,179 |
| Core capital (leverage) ratio | 9.0948% | 4,477 |
| Tier 1 risk-based capital ratio | 12.0582% | 4,867 |
| Total risk-based capital ratio | 13.0519% | 5,012 |
| Memoranda: | ||
| Average total assets | $376,085,670 | 1,850 |
| Average earning assets | $338,619,670 | 1,873 |
| Average equity | $34,788,330 | 1,950 |
| Average total loans | $273,566,000 | 1,803 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6429% | 4,094 |
| Cost of funding earning assets | 1.7716% | 5,254 |
| Net interest margin | 3.8712% | 3,184 |
| Noninterest income to average assets | 0.8635% | 2,018 |
| Noninterest expense to average assets | 2.6222% | 5,359 |
| Loan and lease loss provision to assets | 0.1198% | 5,428 |
| Net operating income to assets | 1.0748% | 2,047 |
| Return on assets (ROA) | 1.0748% | 2,183 |
| Pretax return on assets | 1.6051% | 1,389 |
| Return on Equity (ROE) | 11.5119% | 1,807 |
| Retained earnings to average equity (ytd only) | 11.5119% | 877 |
| Net charge-offs to loans | 0.0954% | 4,221 |
| Credit loss provision to net charge-offs | 174.6032% | 2,469 |
| Earnings coverage of net charge-offs (x) | 25.1429% | 1,216 |
| Efficiency ratio | 60.3206% | 6,348 |
| Assets per employee ($millions) | 3.8153% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8918% | 6,789 |
| Loan loss allowance to noncurrent loans | 48.0310% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 1.4268% | 3,799 |
| Noncurrent loans to loans | 1.8568% | 3,477 |
| Net loans and leases to total assets | 68.2926% | 4,065 |
| Net loans and leases to deposits | 75.9039% | 5,238 |
| Net loans and leases to core deposits | 84.0805% | 6,055 |
| Total domestic deposits to total assets | 89.9725% | 817 |
| Equity capital to assets | 8.8432% | 5,558 |
| Core capital (leverage) ratio | 9.6333% | 3,841 |
| Tier 1 risk-based capital ratio | 12.4393% | 4,580 |
| Total risk-based capital ratio | 13.3027% | 4,811 |
| Memoranda: | ||
| Average total assets | $367,328,500 | 1,897 |
| Average earning assets | $330,541,500 | 1,916 |
| Average equity | $34,295,000 | 1,984 |
| Average total loans | $264,172,000 | 1,874 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9302% | 1,312 |
| Cost of funding earning assets | 2.1542% | 5,809 |
| Net interest margin | 4.7760% | 817 |
| Noninterest income to average assets | 0.9139% | 1,909 |
| Noninterest expense to average assets | 3.0582% | 3,865 |
| Loan and lease loss provision to assets | 0.0685% | 6,536 |
| Net operating income to assets | 1.3331% | 1,389 |
| Return on assets (ROA) | 1.3331% | 1,346 |
| Pretax return on assets | 1.9767% | 646 |
| Return on Equity (ROE) | 12.8724% | 1,365 |
| Retained earnings to average equity (ytd only) | 9.7244% | 488 |
| Net charge-offs to loans | 0.1399% | 4,822 |
| Credit loss provision to net charge-offs | 64.2202% | 6,173 |
| Earnings coverage of net charge-offs (x) | 19.1835% | 1,652 |
| Efficiency ratio | 59.9246% | 6,354 |
| Assets per employee ($millions) | 3.2854% | 5,247 |
| Cash dividends to net income (ytd only)* | 24.4559% | 4,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 6,570 |
| Loan loss allowance to noncurrent loans | 42.7591% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 1.6296% | 2,989 |
| Noncurrent loans to loans | 2.1502% | 2,560 |
| Net loans and leases to total assets | 74.6859% | 2,945 |
| Net loans and leases to deposits | 84.1926% | 4,399 |
| Net loans and leases to core deposits | 94.0313% | 5,444 |
| Total domestic deposits to total assets | 88.7084% | 1,151 |
| Equity capital to assets | 9.9034% | 4,155 |
| Core capital (leverage) ratio | 10.1003% | 3,356 |
| Tier 1 risk-based capital ratio | 13.0425% | 4,087 |
| Total risk-based capital ratio | 13.9561% | 4,201 |
| Memoranda: | ||
| Average total assets | $306,721,000 | 2,170 |
| Average earning assets | $269,054,000 | 2,236 |
| Average equity | $31,765,600 | 2,128 |
| Average total loans | $233,666,200 | 2,018 |