Home > United Community Bank > Performance and Condition Ratios
United Community Bank, Performance and Condition Ratios
| 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 | 3.5132% | 4,904 |
| Cost of funding earning assets | 0.5165% | 2,887 |
| Net interest margin | 2.9968% | 4,880 |
| Noninterest income to average assets | 0.8367% | 1,362 |
| Noninterest expense to average assets | 2.5845% | 3,375 |
| Loan and lease loss provision to assets | 0.0242% | 3,434 |
| Net operating income to assets | 0.8499% | 3,679 |
| Return on assets (ROA) | 0.8499% | 3,678 |
| Pretax return on assets | 1.0220% | 3,594 |
| Return on Equity (ROE) | 7.5061% | 3,722 |
| Retained earnings to average equity (ytd only) | 3.3375% | 3,911 |
| Net charge-offs to loans | 0.2144% | 740 |
| Credit loss provision to net charge-offs | 20.3077% | 2,685 |
| Earnings coverage of net charge-offs (x) | 8.7908% | 2,443 |
| Efficiency ratio | 70.6102% | 2,225 |
| Assets per employee ($millions) | 4.7199% | 2,794 |
| Cash dividends to net income (ytd only)* | 55.5364% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 2,400 |
| Loan loss allowance to noncurrent loans | 723.6599% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 4,503 |
| Noncurrent loans to loans | 0.1735% | 4,126 |
| Net loans and leases to total assets | 56.2500% | 4,143 |
| Net loans and leases to deposits | 64.8413% | 4,225 |
| Net loans and leases to core deposits | 69.2953% | 4,186 |
| Total domestic deposits to total assets | 86.7503% | 1,947 |
| Equity capital to assets | 11.2675% | 2,388 |
| Core capital (leverage) ratio | 11.1933% | 2,352 |
| Tier 1 risk-based capital ratio | 19.8332% | 1,355 |
| Total risk-based capital ratio | 21.0831% | 1,325 |
| Memoranda: | ||
| Average total assets | $546,177,670 | 1,298 |
| Average earning assets | $509,218,000 | 1,295 |
| Average equity | $61,843,000 | 1,290 |
| Average total loans | $303,136,000 | 1,586 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4907% | 4,892 |
| Cost of funding earning assets | 0.4598% | 3,133 |
| Net interest margin | 3.0309% | 4,830 |
| Noninterest income to average assets | 0.7912% | 1,487 |
| Noninterest expense to average assets | 2.5774% | 3,408 |
| Loan and lease loss provision to assets | 0.0051% | 3,440 |
| Net operating income to assets | 0.8491% | 3,508 |
| Return on assets (ROA) | 0.8491% | 3,525 |
| Pretax return on assets | 1.0361% | 3,408 |
| Return on Equity (ROE) | 7.4807% | 3,597 |
| Retained earnings to average equity (ytd only) | 4.7611% | 3,276 |
| Net charge-offs to loans | 0.5168% | 293 |
| Credit loss provision to net charge-offs | 1.8135% | 2,197 |
| Earnings coverage of net charge-offs (x) | 3.6788% | 2,363 |
| Efficiency ratio | 70.6180% | 2,399 |
| Assets per employee ($millions) | 4.7267% | 2,818 |
| Cash dividends to net income (ytd only)* | 36.3558% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 2,458 |
| Loan loss allowance to noncurrent loans | 598.5804% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 4,441 |
| Noncurrent loans to loans | 0.2105% | 4,030 |
| Net loans and leases to total assets | 54.2334% | 4,263 |
| Net loans and leases to deposits | 62.3749% | 4,313 |
| Net loans and leases to core deposits | 65.7016% | 4,330 |
| Total domestic deposits to total assets | 86.9475% | 2,148 |
| Equity capital to assets | 11.2312% | 2,363 |
| Core capital (leverage) ratio | 11.1323% | 2,306 |
| Tier 1 risk-based capital ratio | 20.0438% | 1,334 |
| Total risk-based capital ratio | 21.2936% | 1,303 |
| Memoranda: | ||
| Average total assets | $545,510,000 | 1,313 |
| Average earning assets | $508,893,000 | 1,307 |
| Average equity | $61,919,000 | 1,294 |
| Average total loans | $298,758,500 | 1,607 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4216% | 4,912 |
| Cost of funding earning assets | 0.4766% | 2,533 |
| Net interest margin | 2.9450% | 4,982 |
| Noninterest income to average assets | 0.8096% | 1,535 |
| Noninterest expense to average assets | 2.5832% | 3,496 |
| Loan and lease loss provision to assets | 0.0084% | 4,098 |
| Net operating income to assets | 0.6395% | 3,857 |
| Return on assets (ROA) | 0.6407% | 3,885 |
| Pretax return on assets | 0.9596% | 3,702 |
| Return on Equity (ROE) | 5.5291% | 3,946 |
| Retained earnings to average equity (ytd only) | 1.0372% | 4,617 |
| Net charge-offs to loans | 0.1573% | 1,549 |
| Credit loss provision to net charge-offs | 9.9119% | 3,667 |
| Earnings coverage of net charge-offs (x) | 11.4053% | 2,576 |
| Efficiency ratio | 72.1609% | 2,197 |
| Assets per employee ($millions) | 4.6786% | 2,902 |
| Cash dividends to net income (ytd only)* | 81.2409% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 1,736 |
| Loan loss allowance to noncurrent loans | 389.0028% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 4,148 |
| Noncurrent loans to loans | 0.3621% | 3,471 |
| Net loans and leases to total assets | 53.8374% | 4,380 |
| Net loans and leases to deposits | 62.3254% | 4,420 |
| Net loans and leases to core deposits | 65.3999% | 4,452 |
| Total domestic deposits to total assets | 86.3811% | 2,280 |
| Equity capital to assets | 11.4713% | 2,222 |
| Core capital (leverage) ratio | 10.9778% | 2,360 |
| Tier 1 risk-based capital ratio | 20.1245% | 1,294 |
| Total risk-based capital ratio | 21.3774% | 1,250 |
| Memoranda: | ||
| Average total assets | $535,850,600 | 1,310 |
| Average earning assets | $498,536,200 | 1,309 |
| Average equity | $62,089,600 | 1,276 |
| Average total loans | $288,599,000 | 1,615 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4073% | 4,958 |
| Cost of funding earning assets | 0.4787% | 2,441 |
| Net interest margin | 2.9286% | 5,053 |
| Noninterest income to average assets | 0.8048% | 1,568 |
| Noninterest expense to average assets | 2.6130% | 3,373 |
| Loan and lease loss provision to assets | 0.0090% | 3,951 |
| Net operating income to assets | 0.7151% | 3,899 |
| Return on assets (ROA) | 0.7169% | 3,949 |
| Pretax return on assets | 0.9081% | 4,015 |
| Return on Equity (ROE) | 6.1714% | 4,046 |
| Retained earnings to average equity (ytd only) | 1.5729% | 4,797 |
| Net charge-offs to loans | 0.1600% | 1,281 |
| Credit loss provision to net charge-offs | 10.4651% | 3,220 |
| Earnings coverage of net charge-offs (x) | 10.6539% | 2,574 |
| Efficiency ratio | 73.4522% | 1,980 |
| Assets per employee ($millions) | 4.6055% | 2,970 |
| Cash dividends to net income (ytd only)* | 74.5124% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 1,665 |
| Loan loss allowance to noncurrent loans | 211.0069% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.3940% | 3,454 |
| Noncurrent loans to loans | 0.6937% | 2,629 |
| Net loans and leases to total assets | 53.4110% | 4,464 |
| Net loans and leases to deposits | 62.1050% | 4,502 |
| Net loans and leases to core deposits | 65.1283% | 4,540 |
| Total domestic deposits to total assets | 86.0011% | 2,314 |
| Equity capital to assets | 11.6505% | 2,231 |
| Core capital (leverage) ratio | 11.2434% | 2,225 |
| Tier 1 risk-based capital ratio | 20.5077% | 1,279 |
| Total risk-based capital ratio | 21.7613% | 1,247 |
| Memoranda: | ||
| Average total assets | $534,133,750 | 1,328 |
| Average earning assets | $496,653,750 | 1,320 |
| Average equity | $62,047,750 | 1,281 |
| Average total loans | $286,659,000 | 1,636 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3615% | 5,015 |
| Cost of funding earning assets | 0.4518% | 2,582 |
| Net interest margin | 2.9097% | 5,079 |
| Noninterest income to average assets | 0.8100% | 1,536 |
| Noninterest expense to average assets | 2.5338% | 3,635 |
| Loan and lease loss provision to assets | 0.0083% | 3,762 |
| Net operating income to assets | 0.7533% | 3,625 |
| Return on assets (ROA) | 0.7533% | 3,676 |
| Pretax return on assets | 0.9719% | 3,684 |
| Return on Equity (ROE) | 6.4915% | 3,826 |
| Retained earnings to average equity (ytd only) | 2.0160% | 4,449 |
| Net charge-offs to loans | 0.2184% | 934 |
| Credit loss provision to net charge-offs | 7.0740% | 2,870 |
| Earnings coverage of net charge-offs (x) | 8.3923% | 2,514 |
| Efficiency ratio | 71.4973% | 2,438 |
| Assets per employee ($millions) | 4.5989% | 2,947 |
| Cash dividends to net income (ytd only)* | 68.9432% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 1,600 |
| Loan loss allowance to noncurrent loans | 145.5100% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 2,855 |
| Noncurrent loans to loans | 1.0254% | 1,916 |
| Net loans and leases to total assets | 53.1394% | 4,477 |
| Net loans and leases to deposits | 61.8489% | 4,512 |
| Net loans and leases to core deposits | 65.1909% | 4,528 |
| Total domestic deposits to total assets | 85.9181% | 2,406 |
| Equity capital to assets | 11.7196% | 2,137 |
| Core capital (leverage) ratio | 11.1341% | 2,286 |
| Tier 1 risk-based capital ratio | 20.6507% | 1,252 |
| Total risk-based capital ratio | 21.9043% | 1,222 |
| Memoranda: | ||
| Average total assets | $532,563,670 | 1,340 |
| Average earning assets | $494,893,670 | 1,330 |
| Average equity | $61,804,330 | 1,285 |
| Average total loans | $284,853,000 | 1,638 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3147% | 5,082 |
| Cost of funding earning assets | 0.4417% | 2,598 |
| Net interest margin | 2.8729% | 5,133 |
| Noninterest income to average assets | 0.7592% | 1,713 |
| Noninterest expense to average assets | 2.4799% | 3,877 |
| Loan and lease loss provision to assets | 0.0075% | 3,459 |
| Net operating income to assets | 0.7495% | 3,480 |
| Return on assets (ROA) | 0.7495% | 3,530 |
| Pretax return on assets | 0.9412% | 3,622 |
| Return on Equity (ROE) | 6.4903% | 3,671 |
| Retained earnings to average equity (ytd only) | 2.3565% | 4,199 |
| Net charge-offs to loans | 0.3811% | 483 |
| Credit loss provision to net charge-offs | 3.7037% | 2,264 |
| Earnings coverage of net charge-offs (x) | 4.6741% | 2,360 |
| Efficiency ratio | 71.6729% | 2,634 |
| Assets per employee ($millions) | 4.7135% | 2,823 |
| Cash dividends to net income (ytd only)* | 63.6911% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 1,651 |
| Loan loss allowance to noncurrent loans | 138.8693% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.5771% | 2,928 |
| Noncurrent loans to loans | 1.0893% | 1,882 |
| Net loans and leases to total assets | 51.9223% | 4,524 |
| Net loans and leases to deposits | 60.1487% | 4,556 |
| Net loans and leases to core deposits | 64.1838% | 4,523 |
| Total domestic deposits to total assets | 86.3234% | 2,525 |
| Equity capital to assets | 11.3863% | 2,273 |
| Core capital (leverage) ratio | 11.2274% | 2,164 |
| Tier 1 risk-based capital ratio | 20.6889% | 1,266 |
| Total risk-based capital ratio | 21.9428% | 1,242 |
| Memoranda: | ||
| Average total assets | $532,109,500 | 1,341 |
| Average earning assets | $494,406,500 | 1,330 |
| Average equity | $61,446,000 | 1,293 |
| Average total loans | $283,390,500 | 1,652 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2846% | 5,182 |
| Cost of funding earning assets | 0.4834% | 2,225 |
| Net interest margin | 2.8012% | 5,285 |
| Noninterest income to average assets | 0.8772% | 1,491 |
| Noninterest expense to average assets | 2.6547% | 3,511 |
| Loan and lease loss provision to assets | 0.0251% | 3,854 |
| Net operating income to assets | 0.6403% | 4,043 |
| Return on assets (ROA) | 0.6657% | 4,041 |
| Pretax return on assets | 0.8292% | 4,094 |
| Return on Equity (ROE) | 5.5313% | 4,198 |
| Retained earnings to average equity (ytd only) | 1.8144% | 4,494 |
| Net charge-offs to loans | 0.1247% | 2,003 |
| Credit loss provision to net charge-offs | 37.9009% | 3,515 |
| Earnings coverage of net charge-offs (x) | 12.4402% | 2,449 |
| Efficiency ratio | 75.6984% | 2,030 |
| Assets per employee ($millions) | 4.4252% | 3,231 |
| Cash dividends to net income (ytd only)* | 67.1975% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6309% | 1,299 |
| Loan loss allowance to noncurrent loans | 167.3238% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 3,129 |
| Noncurrent loans to loans | 0.9747% | 2,142 |
| Net loans and leases to total assets | 52.9388% | 4,536 |
| Net loans and leases to deposits | 61.8123% | 4,560 |
| Net loans and leases to core deposits | 67.0084% | 4,468 |
| Total domestic deposits to total assets | 85.6444% | 2,758 |
| Equity capital to assets | 11.7151% | 1,998 |
| Core capital (leverage) ratio | 11.3438% | 2,042 |
| Tier 1 risk-based capital ratio | 20.9472% | 1,217 |
| Total risk-based capital ratio | 22.2036% | 1,196 |
| Memoranda: | ||
| Average total assets | $518,814,200 | 1,322 |
| Average earning assets | $481,547,600 | 1,318 |
| Average equity | $62,444,800 | 1,254 |
| Average total loans | $275,162,200 | 1,643 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2875% | 5,231 |
| Cost of funding earning assets | 0.4874% | 2,197 |
| Net interest margin | 2.8000% | 5,358 |
| Noninterest income to average assets | 0.8471% | 1,585 |
| Noninterest expense to average assets | 2.6531% | 3,485 |
| Loan and lease loss provision to assets | 0.0296% | 3,649 |
| Net operating income to assets | 0.6358% | 4,146 |
| Return on assets (ROA) | 0.6711% | 4,123 |
| Pretax return on assets | 0.8065% | 4,290 |
| Return on Equity (ROE) | 5.5382% | 4,299 |
| Retained earnings to average equity (ytd only) | 1.8864% | 4,739 |
| Net charge-offs to loans | 0.2036% | 1,148 |
| Credit loss provision to net charge-offs | 27.5120% | 3,243 |
| Earnings coverage of net charge-offs (x) | 7.3756% | 2,880 |
| Efficiency ratio | 76.3256% | 1,931 |
| Assets per employee ($millions) | 4.5696% | 2,971 |
| Cash dividends to net income (ytd only)* | 65.9378% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 1,442 |
| Loan loss allowance to noncurrent loans | 145.6874% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.6002% | 3,101 |
| Noncurrent loans to loans | 1.1041% | 2,043 |
| Net loans and leases to total assets | 52.2976% | 4,635 |
| Net loans and leases to deposits | 61.7312% | 4,646 |
| Net loans and leases to core deposits | 66.4630% | 4,576 |
| Total domestic deposits to total assets | 84.7183% | 2,931 |
| Equity capital to assets | 12.0614% | 2,075 |
| Core capital (leverage) ratio | 11.4179% | 2,098 |
| Tier 1 risk-based capital ratio | 21.1077% | 1,248 |
| Total risk-based capital ratio | 22.3635% | 1,225 |
| Memoranda: | ||
| Average total assets | $517,975,000 | 1,327 |
| Average earning assets | $480,885,000 | 1,324 |
| Average equity | $62,762,750 | 1,255 |
| Average total loans | $273,699,250 | 1,654 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3054% | 5,280 |
| Cost of funding earning assets | 0.4663% | 2,416 |
| Net interest margin | 2.8391% | 5,363 |
| Noninterest income to average assets | 0.8059% | 1,690 |
| Noninterest expense to average assets | 2.6008% | 3,718 |
| Loan and lease loss provision to assets | 0.0376% | 3,405 |
| Net operating income to assets | 0.6719% | 3,953 |
| Return on assets (ROA) | 0.7000% | 3,949 |
| Pretax return on assets | 0.8350% | 4,176 |
| Return on Equity (ROE) | 5.7676% | 4,162 |
| Retained earnings to average equity (ytd only) | 2.2923% | 4,420 |
| Net charge-offs to loans | 0.0059% | 3,489 |
| Credit loss provision to net charge-offs | 1,212.5000% | 317 |
| Earnings coverage of net charge-offs (x) | 270.3750% | 250 |
| Efficiency ratio | 74.9605% | 2,224 |
| Assets per employee ($millions) | 4.4350% | 3,148 |
| Cash dividends to net income (ytd only)* | 60.2550% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7905% | 1,093 |
| Loan loss allowance to noncurrent loans | 167.7541% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.5698% | 3,312 |
| Noncurrent loans to loans | 1.0673% | 2,156 |
| Net loans and leases to total assets | 51.2005% | 4,750 |
| Net loans and leases to deposits | 60.6202% | 4,760 |
| Net loans and leases to core deposits | 65.5364% | 4,645 |
| Total domestic deposits to total assets | 84.4611% | 3,103 |
| Equity capital to assets | 12.1722% | 1,996 |
| Core capital (leverage) ratio | 11.5986% | 1,910 |
| Tier 1 risk-based capital ratio | 21.4395% | 1,205 |
| Total risk-based capital ratio | 22.6973% | 1,183 |
| Memoranda: | ||
| Average total assets | $515,465,330 | 1,342 |
| Average earning assets | $478,246,670 | 1,331 |
| Average equity | $62,556,000 | 1,262 |
| Average total loans | $271,826,000 | 1,659 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3079% | 5,306 |
| Cost of funding earning assets | 0.4640% | 2,429 |
| Net interest margin | 2.8439% | 5,406 |
| Noninterest income to average assets | 0.7984% | 1,620 |
| Noninterest expense to average assets | 2.4804% | 4,128 |
| Loan and lease loss provision to assets | 0.0407% | 3,104 |
| Net operating income to assets | 0.7124% | 3,652 |
| Return on assets (ROA) | 0.7515% | 3,584 |
| Pretax return on assets | 0.9634% | 3,605 |
| Return on Equity (ROE) | 6.2016% | 3,875 |
| Retained earnings to average equity (ytd only) | 3.8397% | 3,577 |
| Net charge-offs to loans | -0.2536% | 5,903 |
| Credit loss provision to net charge-offs | -30.2326% | 4,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5392% | 2,863 |
| Assets per employee ($millions) | 4.5211% | 3,029 |
| Cash dividends to net income (ytd only)* | 38.0853% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8287% | 1,098 |
| Loan loss allowance to noncurrent loans | 137.6851% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.7480% | 2,837 |
| Noncurrent loans to loans | 1.3282% | 1,797 |
| Net loans and leases to total assets | 52.2872% | 4,607 |
| Net loans and leases to deposits | 62.0174% | 4,573 |
| Net loans and leases to core deposits | 67.1944% | 4,459 |
| Total domestic deposits to total assets | 84.3107% | 3,391 |
| Equity capital to assets | 12.1459% | 1,923 |
| Core capital (leverage) ratio | 11.6856% | 1,837 |
| Tier 1 risk-based capital ratio | 21.6505% | 1,212 |
| Total risk-based capital ratio | 22.9089% | 1,191 |
| Memoranda: | ||
| Average total assets | $511,535,500 | 1,347 |
| Average earning assets | $474,136,500 | 1,339 |
| Average equity | $61,984,000 | 1,264 |
| Average total loans | $271,324,000 | 1,660 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2859% | 5,370 |
| Cost of funding earning assets | 0.4939% | 2,210 |
| Net interest margin | 2.7919% | 5,528 |
| Noninterest income to average assets | 0.8017% | 1,784 |
| Noninterest expense to average assets | 2.6312% | 3,813 |
| Loan and lease loss provision to assets | -0.0589% | 5,769 |
| Net operating income to assets | 0.6822% | 3,895 |
| Return on assets (ROA) | 0.6295% | 4,231 |
| Pretax return on assets | 0.7450% | 4,382 |
| Return on Equity (ROE) | 5.0864% | 4,465 |
| Retained earnings to average equity (ytd only) | -6.2026% | 5,963 |
| Net charge-offs to loans | -0.0072% | 5,040 |
| Credit loss provision to net charge-offs | 1,594.7368% | 220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1849% | 2,090 |
| Assets per employee ($millions) | 4.6152% | 2,860 |
| Cash dividends to net income (ytd only)* | 221.9444% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7886% | 1,154 |
| Loan loss allowance to noncurrent loans | 90.6445% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.0871% | 2,022 |
| Noncurrent loans to loans | 1.9732% | 1,069 |
| Net loans and leases to total assets | 51.8729% | 4,705 |
| Net loans and leases to deposits | 61.3421% | 4,678 |
| Net loans and leases to core deposits | 66.6436% | 4,535 |
| Total domestic deposits to total assets | 84.5632% | 3,265 |
| Equity capital to assets | 12.0882% | 1,891 |
| Core capital (leverage) ratio | 11.3997% | 2,045 |
| Tier 1 risk-based capital ratio | 21.4208% | 1,227 |
| Total risk-based capital ratio | 22.6790% | 1,207 |
| Memoranda: | ||
| Average total assets | $514,664,800 | 1,301 |
| Average earning assets | $475,156,800 | 1,300 |
| Average equity | $63,699,600 | 1,182 |
| Average total loans | $262,115,200 | 1,659 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2773% | 5,448 |
| Cost of funding earning assets | 0.5026% | 2,185 |
| Net interest margin | 2.7747% | 5,622 |
| Noninterest income to average assets | 0.7361% | 2,084 |
| Noninterest expense to average assets | 2.6211% | 3,797 |
| Loan and lease loss provision to assets | -0.0898% | 5,979 |
| Net operating income to assets | 0.6484% | 4,140 |
| Return on assets (ROA) | 0.5667% | 4,628 |
| Pretax return on assets | 0.6687% | 4,782 |
| Return on Equity (ROE) | 4.5527% | 4,812 |
| Retained earnings to average equity (ytd only) | -4.1400% | 6,000 |
| Net charge-offs to loans | -0.2144% | 6,009 |
| Credit loss provision to net charge-offs | 83.0549% | 2,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8344% | 1,839 |
| Assets per employee ($millions) | 4.7076% | 2,689 |
| Cash dividends to net income (ytd only)* | 190.9342% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9114% | 1,047 |
| Loan loss allowance to noncurrent loans | 85.0702% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.2199% | 1,936 |
| Noncurrent loans to loans | 2.2468% | 964 |
| Net loans and leases to total assets | 51.0470% | 4,854 |
| Net loans and leases to deposits | 60.6972% | 4,806 |
| Net loans and leases to core deposits | 65.8931% | 4,699 |
| Total domestic deposits to total assets | 84.1010% | 3,382 |
| Equity capital to assets | 12.2539% | 1,904 |
| Core capital (leverage) ratio | 11.6803% | 1,902 |
| Tier 1 risk-based capital ratio | 22.1052% | 1,182 |
| Total risk-based capital ratio | 23.3646% | 1,158 |
| Memoranda: | ||
| Average total assets | $516,413,500 | 1,309 |
| Average earning assets | $476,437,000 | 1,304 |
| Average equity | $64,282,500 | 1,184 |
| Average total loans | $260,609,250 | 1,679 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2513% | 5,531 |
| Cost of funding earning assets | 0.4908% | 2,342 |
| Net interest margin | 2.7605% | 5,689 |
| Noninterest income to average assets | 0.7043% | 2,195 |
| Noninterest expense to average assets | 2.5573% | 4,051 |
| Loan and lease loss provision to assets | -0.1523% | 6,137 |
| Net operating income to assets | 0.6919% | 3,927 |
| Return on assets (ROA) | 0.5714% | 4,568 |
| Pretax return on assets | 0.6970% | 4,664 |
| Return on Equity (ROE) | 4.5664% | 4,797 |
| Retained earnings to average equity (ytd only) | -7.6334% | 6,115 |
| Net charge-offs to loans | -0.3392% | 6,142 |
| Credit loss provision to net charge-offs | 89.9314% | 2,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0217% | 2,070 |
| Assets per employee ($millions) | 4.5562% | 2,892 |
| Cash dividends to net income (ytd only)* | 267.1642% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9774% | 1,020 |
| Loan loss allowance to noncurrent loans | 78.5408% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.3111% | 1,919 |
| Noncurrent loans to loans | 2.5177% | 885 |
| Net loans and leases to total assets | 48.9027% | 5,022 |
| Net loans and leases to deposits | 58.0056% | 4,993 |
| Net loans and leases to core deposits | 63.0571% | 4,874 |
| Total domestic deposits to total assets | 84.3068% | 3,444 |
| Equity capital to assets | 12.0379% | 2,000 |
| Core capital (leverage) ratio | 11.4656% | 2,019 |
| Tier 1 risk-based capital ratio | 22.5350% | 1,132 |
| Total risk-based capital ratio | 23.7951% | 1,112 |
| Memoranda: | ||
| Average total assets | $515,939,000 | 1,320 |
| Average earning assets | $475,569,330 | 1,316 |
| Average equity | $64,558,330 | 1,187 |
| Average total loans | $257,648,670 | 1,696 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2260% | 5,606 |
| Cost of funding earning assets | 0.4919% | 2,358 |
| Net interest margin | 2.7341% | 5,761 |
| Noninterest income to average assets | 0.6986% | 2,166 |
| Noninterest expense to average assets | 2.5126% | 4,225 |
| Loan and lease loss provision to assets | -0.2240% | 6,278 |
| Net operating income to assets | 0.7435% | 3,577 |
| Return on assets (ROA) | 0.5842% | 4,447 |
| Pretax return on assets | 0.7273% | 4,515 |
| Return on Equity (ROE) | 4.5810% | 4,721 |
| Retained earnings to average equity (ytd only) | 1.9886% | 4,678 |
| Net charge-offs to loans | -0.4640% | 6,229 |
| Credit loss provision to net charge-offs | 96.6443% | 1,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4256% | 2,278 |
| Assets per employee ($millions) | 4.6937% | 2,775 |
| Cash dividends to net income (ytd only)* | 56.5912% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9655% | 1,149 |
| Loan loss allowance to noncurrent loans | 68.3038% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.4933% | 1,762 |
| Noncurrent loans to loans | 2.8776% | 783 |
| Net loans and leases to total assets | 48.7290% | 4,959 |
| Net loans and leases to deposits | 58.4375% | 4,880 |
| Net loans and leases to core deposits | 63.4283% | 4,747 |
| Total domestic deposits to total assets | 83.3866% | 4,053 |
| Equity capital to assets | 12.6624% | 1,591 |
| Core capital (leverage) ratio | 12.2190% | 1,496 |
| Tier 1 risk-based capital ratio | 23.5913% | 1,039 |
| Total risk-based capital ratio | 24.8492% | 1,023 |
| Memoranda: | ||
| Average total assets | $514,203,000 | 1,333 |
| Average earning assets | $473,275,000 | 1,332 |
| Average equity | $65,574,500 | 1,170 |
| Average total loans | $256,908,000 | 1,703 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1756% | 5,865 |
| Cost of funding earning assets | 0.5610% | 2,134 |
| Net interest margin | 2.6145% | 6,048 |
| Noninterest income to average assets | 0.6555% | 2,525 |
| Noninterest expense to average assets | 2.4655% | 4,650 |
| Loan and lease loss provision to assets | 0.0540% | 3,476 |
| Net operating income to assets | 0.4483% | 5,031 |
| Return on assets (ROA) | 0.4397% | 5,157 |
| Pretax return on assets | 0.5221% | 5,193 |
| Return on Equity (ROE) | 3.5164% | 5,288 |
| Retained earnings to average equity (ytd only) | -0.9088% | 5,910 |
| Net charge-offs to loans | 0.2741% | 1,581 |
| Credit loss provision to net charge-offs | 40.5210% | 3,662 |
| Earnings coverage of net charge-offs (x) | 4.3980% | 3,662 |
| Efficiency ratio | 79.9772% | 1,933 |
| Assets per employee ($millions) | 4.6128% | 2,856 |
| Cash dividends to net income (ytd only)* | 125.8447% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9933% | 1,126 |
| Loan loss allowance to noncurrent loans | 66.7630% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 1.6389% | 1,645 |
| Noncurrent loans to loans | 2.9857% | 753 |
| Net loans and leases to total assets | 49.2245% | 5,042 |
| Net loans and leases to deposits | 59.0721% | 4,979 |
| Net loans and leases to core deposits | 64.1767% | 4,814 |
| Total domestic deposits to total assets | 83.3295% | 3,968 |
| Equity capital to assets | 12.8453% | 1,442 |
| Core capital (leverage) ratio | 12.2657% | 1,468 |
| Tier 1 risk-based capital ratio | 24.7271% | 863 |
| Total risk-based capital ratio | 25.9867% | 845 |
| Memoranda: | ||
| Average total assets | $518,262,000 | 1,298 |
| Average earning assets | $475,035,000 | 1,286 |
| Average equity | $64,811,200 | 1,134 |
| Average total loans | $252,142,400 | 1,675 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1419% | 5,966 |
| Cost of funding earning assets | 0.5717% | 2,090 |
| Net interest margin | 2.5702% | 6,160 |
| Noninterest income to average assets | 0.6221% | 2,735 |
| Noninterest expense to average assets | 2.4282% | 4,735 |
| Loan and lease loss provision to assets | 0.0624% | 3,108 |
| Net operating income to assets | 0.4047% | 5,234 |
| Return on assets (ROA) | 0.4003% | 5,324 |
| Pretax return on assets | 0.4811% | 5,377 |
| Return on Equity (ROE) | 3.2220% | 5,469 |
| Retained earnings to average equity (ytd only) | 1.4338% | 5,325 |
| Net charge-offs to loans | 0.0907% | 2,919 |
| Credit loss provision to net charge-offs | 142.6901% | 1,654 |
| Earnings coverage of net charge-offs (x) | 12.5441% | 2,306 |
| Efficiency ratio | 80.7186% | 1,806 |
| Assets per employee ($millions) | 4.8320% | 2,477 |
| Cash dividends to net income (ytd only)* | 55.4985% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2111% | 930 |
| Loan loss allowance to noncurrent loans | 65.6055% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 1.7602% | 1,696 |
| Noncurrent loans to loans | 3.3703% | 728 |
| Net loans and leases to total assets | 47.1536% | 5,277 |
| Net loans and leases to deposits | 56.4801% | 5,207 |
| Net loans and leases to core deposits | 61.9870% | 5,034 |
| Total domestic deposits to total assets | 83.4871% | 3,952 |
| Equity capital to assets | 12.6047% | 1,634 |
| Core capital (leverage) ratio | 12.1387% | 1,611 |
| Tier 1 risk-based capital ratio | 25.2340% | 860 |
| Total risk-based capital ratio | 26.4963% | 844 |
| Memoranda: | ||
| Average total assets | $520,976,000 | 1,299 |
| Average earning assets | $477,359,250 | 1,294 |
| Average equity | $64,719,500 | 1,144 |
| Average total loans | $251,466,000 | 1,689 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1365% | 6,019 |
| Cost of funding earning assets | 0.5606% | 2,253 |
| Net interest margin | 2.5759% | 6,204 |
| Noninterest income to average assets | 0.5977% | 2,821 |
| Noninterest expense to average assets | 2.3715% | 4,970 |
| Loan and lease loss provision to assets | 0.0903% | 2,520 |
| Net operating income to assets | 0.4091% | 5,183 |
| Return on assets (ROA) | 0.4091% | 5,267 |
| Pretax return on assets | 0.4955% | 5,283 |
| Return on Equity (ROE) | 3.3092% | 5,423 |
| Retained earnings to average equity (ytd only) | 1.0471% | 5,341 |
| Net charge-offs to loans | 0.2124% | 1,756 |
| Credit loss provision to net charge-offs | 88.0150% | 2,219 |
| Earnings coverage of net charge-offs (x) | 5.7116% | 2,883 |
| Efficiency ratio | 79.3090% | 2,124 |
| Assets per employee ($millions) | 4.6900% | 2,630 |
| Cash dividends to net income (ytd only)* | 68.3568% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1835% | 1,052 |
| Loan loss allowance to noncurrent loans | 54.5791% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 2.0001% | 1,605 |
| Noncurrent loans to loans | 4.0007% | 592 |
| Net loans and leases to total assets | 46.1446% | 5,349 |
| Net loans and leases to deposits | 55.0278% | 5,279 |
| Net loans and leases to core deposits | 60.6925% | 5,086 |
| Total domestic deposits to total assets | 83.8569% | 3,974 |
| Equity capital to assets | 12.3344% | 1,751 |
| Core capital (leverage) ratio | 11.8840% | 1,728 |
| Tier 1 risk-based capital ratio | 25.6265% | 817 |
| Total risk-based capital ratio | 26.8886% | 788 |
| Memoranda: | ||
| Average total assets | $520,681,330 | 1,288 |
| Average earning assets | $476,957,330 | 1,290 |
| Average equity | $64,366,330 | 1,140 |
| Average total loans | $251,408,000 | 1,687 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1851% | 6,025 |
| Cost of funding earning assets | 0.5528% | 2,400 |
| Net interest margin | 2.6323% | 6,192 |
| Noninterest income to average assets | 0.6604% | 2,400 |
| Noninterest expense to average assets | 2.3510% | 5,067 |
| Loan and lease loss provision to assets | 0.0581% | 2,952 |
| Net operating income to assets | 0.5139% | 4,618 |
| Return on assets (ROA) | 0.5139% | 4,693 |
| Pretax return on assets | 0.6689% | 4,601 |
| Return on Equity (ROE) | 4.1525% | 4,962 |
| Retained earnings to average equity (ytd only) | 1.0522% | 5,179 |
| Net charge-offs to loans | -0.0397% | 5,708 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4974% | 2,870 |
| Assets per employee ($millions) | 4.7589% | 2,580 |
| Cash dividends to net income (ytd only)* | 74.6606% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1741% | 1,207 |
| Loan loss allowance to noncurrent loans | 43.7505% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 2.4983% | 1,276 |
| Noncurrent loans to loans | 4.9694% | 451 |
| Net loans and leases to total assets | 47.0258% | 5,229 |
| Net loans and leases to deposits | 56.0920% | 5,110 |
| Net loans and leases to core deposits | 62.1388% | 4,863 |
| Total domestic deposits to total assets | 83.8369% | 4,329 |
| Equity capital to assets | 12.2568% | 1,712 |
| Core capital (leverage) ratio | 11.9979% | 1,655 |
| Tier 1 risk-based capital ratio | 25.5908% | 823 |
| Total risk-based capital ratio | 26.8531% | 801 |
| Memoranda: | ||
| Average total assets | $516,039,500 | 1,308 |
| Average earning assets | $473,962,000 | 1,302 |
| Average equity | $63,865,500 | 1,150 |
| Average total loans | $252,107,500 | 1,686 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2287% | 6,105 |
| Cost of funding earning assets | 0.6381% | 2,311 |
| Net interest margin | 2.5906% | 6,273 |
| Noninterest income to average assets | 0.7033% | 2,522 |
| Noninterest expense to average assets | 2.5745% | 4,542 |
| Loan and lease loss provision to assets | -0.1779% | 6,578 |
| Net operating income to assets | 0.5092% | 4,693 |
| Return on assets (ROA) | 0.5623% | 4,564 |
| Pretax return on assets | 0.7695% | 4,265 |
| Return on Equity (ROE) | 4.7134% | 4,772 |
| Retained earnings to average equity (ytd only) | 3.8775% | 3,446 |
| Net charge-offs to loans | -0.2183% | 6,626 |
| Credit loss provision to net charge-offs | 159.5782% | 1,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1153% | 1,865 |
| Assets per employee ($millions) | 4.3470% | 3,178 |
| Cash dividends to net income (ytd only)* | 17.7352% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1265% | 1,292 |
| Loan loss allowance to noncurrent loans | 60.5661% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 1.9007% | 1,906 |
| Noncurrent loans to loans | 3.5111% | 889 |
| Net loans and leases to total assets | 48.6046% | 5,230 |
| Net loans and leases to deposits | 58.1976% | 5,106 |
| Net loans and leases to core deposits | 62.7711% | 4,992 |
| Total domestic deposits to total assets | 83.5165% | 4,355 |
| Equity capital to assets | 12.4989% | 1,509 |
| Core capital (leverage) ratio | 12.2964% | 1,451 |
| Tier 1 risk-based capital ratio | 26.0708% | 769 |
| Total risk-based capital ratio | 27.3332% | 748 |
| Memoranda: | ||
| Average total assets | $510,436,600 | 1,303 |
| Average earning assets | $470,938,200 | 1,292 |
| Average equity | $60,890,000 | 1,181 |
| Average total loans | $260,667,000 | 1,588 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2249% | 6,164 |
| Cost of funding earning assets | 0.6578% | 2,297 |
| Net interest margin | 2.5671% | 6,356 |
| Noninterest income to average assets | 0.6827% | 2,723 |
| Noninterest expense to average assets | 2.5977% | 4,394 |
| Loan and lease loss provision to assets | -0.2565% | 6,754 |
| Net operating income to assets | 0.5173% | 4,732 |
| Return on assets (ROA) | 0.5880% | 4,530 |
| Pretax return on assets | 0.8085% | 4,257 |
| Return on Equity (ROE) | 4.9882% | 4,730 |
| Retained earnings to average equity (ytd only) | 3.8613% | 3,936 |
| Net charge-offs to loans | -0.3812% | 6,755 |
| Credit loss provision to net charge-offs | 130.8921% | 1,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9032% | 1,610 |
| Assets per employee ($millions) | 4.6655% | 2,623 |
| Cash dividends to net income (ytd only)* | 22.5921% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1668% | 1,384 |
| Loan loss allowance to noncurrent loans | 57.2354% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 2.0026% | 2,017 |
| Noncurrent loans to loans | 3.7858% | 963 |
| Net loans and leases to total assets | 48.6364% | 5,287 |
| Net loans and leases to deposits | 57.6396% | 5,224 |
| Net loans and leases to core deposits | 62.0739% | 5,108 |
| Total domestic deposits to total assets | 84.3801% | 4,038 |
| Equity capital to assets | 12.3216% | 1,692 |
| Core capital (leverage) ratio | 12.1781% | 1,569 |
| Tier 1 risk-based capital ratio | 25.6886% | 810 |
| Total risk-based capital ratio | 26.9513% | 800 |
| Memoranda: | ||
| Average total assets | $510,896,250 | 1,310 |
| Average earning assets | $471,694,250 | 1,297 |
| Average equity | $60,220,250 | 1,205 |
| Average total loans | $262,690,500 | 1,588 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2215% | 6,202 |
| Cost of funding earning assets | 0.6509% | 2,482 |
| Net interest margin | 2.5706% | 6,360 |
| Noninterest income to average assets | 0.6289% | 3,022 |
| Noninterest expense to average assets | 2.5860% | 4,438 |
| Loan and lease loss provision to assets | -0.2115% | 6,787 |
| Net operating income to assets | 0.4629% | 4,961 |
| Return on assets (ROA) | 0.5687% | 4,632 |
| Pretax return on assets | 0.7751% | 4,410 |
| Return on Equity (ROE) | 4.8984% | 4,779 |
| Retained earnings to average equity (ytd only) | 4.3699% | 3,494 |
| Net charge-offs to loans | -0.2060% | 6,673 |
| Credit loss provision to net charge-offs | 197.4453% | 1,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7665% | 1,552 |
| Assets per employee ($millions) | 4.4352% | 2,919 |
| Cash dividends to net income (ytd only)* | 10.7904% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0893% | 1,651 |
| Loan loss allowance to noncurrent loans | 42.6467% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 2.6235% | 1,595 |
| Noncurrent loans to loans | 4.8991% | 676 |
| Net loans and leases to total assets | 50.0096% | 5,110 |
| Net loans and leases to deposits | 59.8364% | 4,996 |
| Net loans and leases to core deposits | 64.6709% | 4,821 |
| Total domestic deposits to total assets | 83.5772% | 4,483 |
| Equity capital to assets | 12.3335% | 1,682 |
| Core capital (leverage) ratio | 12.0681% | 1,579 |
| Tier 1 risk-based capital ratio | 25.4542% | 826 |
| Total risk-based capital ratio | 26.7169% | 806 |
| Memoranda: | ||
| Average total assets | $511,682,670 | 1,306 |
| Average earning assets | $472,885,000 | 1,297 |
| Average equity | $59,407,000 | 1,222 |
| Average total loans | $265,983,330 | 1,572 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2624% | 6,222 |
| Cost of funding earning assets | 0.6631% | 2,540 |
| Net interest margin | 2.5993% | 6,374 |
| Noninterest income to average assets | 0.4894% | 3,849 |
| Noninterest expense to average assets | 2.5826% | 4,458 |
| Loan and lease loss provision to assets | 0.0859% | 3,231 |
| Net operating income to assets | 0.1769% | 5,961 |
| Return on assets (ROA) | 0.3512% | 5,484 |
| Pretax return on assets | 0.4550% | 5,401 |
| Return on Equity (ROE) | 3.1219% | 5,533 |
| Retained earnings to average equity (ytd only) | 3.1219% | 4,400 |
| Net charge-offs to loans | 0.1280% | 2,645 |
| Credit loss provision to net charge-offs | 127.9070% | 1,532 |
| Earnings coverage of net charge-offs (x) | 4.6860% | 2,501 |
| Efficiency ratio | 87.8502% | 1,343 |
| Assets per employee ($millions) | 4.6325% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1652% | 1,657 |
| Loan loss allowance to noncurrent loans | 40.1681% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 2.8177% | 1,606 |
| Noncurrent loans to loans | 5.3904% | 682 |
| Net loans and leases to total assets | 49.4948% | 5,049 |
| Net loans and leases to deposits | 58.3621% | 4,993 |
| Net loans and leases to core deposits | 63.1107% | 4,837 |
| Total domestic deposits to total assets | 84.8064% | 4,136 |
| Equity capital to assets | 12.2694% | 1,854 |
| Core capital (leverage) ratio | 11.5640% | 1,837 |
| Tier 1 risk-based capital ratio | 24.9010% | 901 |
| Total risk-based capital ratio | 26.1651% | 892 |
| Memoranda: | ||
| Average total assets | $512,500,000 | 1,315 |
| Average earning assets | $474,744,500 | 1,302 |
| Average equity | $57,657,000 | 1,265 |
| Average total loans | $268,717,000 | 1,572 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7782% | 5,881 |
| Cost of funding earning assets | 0.9004% | 1,934 |
| Net interest margin | 2.8779% | 6,263 |
| Noninterest income to average assets | 0.7314% | 2,581 |
| Noninterest expense to average assets | 2.5004% | 5,090 |
| Loan and lease loss provision to assets | 0.5174% | 1,131 |
| Net operating income to assets | 0.2627% | 5,593 |
| Return on assets (ROA) | 0.4322% | 5,201 |
| Pretax return on assets | 0.6035% | 4,985 |
| Return on Equity (ROE) | 4.1830% | 5,065 |
| Retained earnings to average equity (ytd only) | 0.2682% | 5,724 |
| Net charge-offs to loans | 0.8595% | 1,333 |
| Credit loss provision to net charge-offs | 104.7502% | 2,852 |
| Earnings coverage of net charge-offs (x) | 1.7928% | 4,532 |
| Efficiency ratio | 72.8973% | 3,256 |
| Assets per employee ($millions) | 4.3611% | 3,229 |
| Cash dividends to net income (ytd only)* | 93.5891% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0946% | 1,786 |
| Loan loss allowance to noncurrent loans | 39.2548% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 3.0768% | 1,531 |
| Noncurrent loans to loans | 5.3358% | 710 |
| Net loans and leases to total assets | 53.2171% | 4,726 |
| Net loans and leases to deposits | 62.5462% | 4,717 |
| Net loans and leases to core deposits | 67.9262% | 4,540 |
| Total domestic deposits to total assets | 85.0844% | 3,824 |
| Equity capital to assets | 10.1863% | 3,909 |
| Core capital (leverage) ratio | 9.3700% | 4,298 |
| Tier 1 risk-based capital ratio | 19.0971% | 1,931 |
| Total risk-based capital ratio | 20.3607% | 1,901 |
| Memoranda: | ||
| Average total assets | $494,408,200 | 1,346 |
| Average earning assets | $456,031,600 | 1,342 |
| Average equity | $51,088,200 | 1,388 |
| Average total loans | $284,117,200 | 1,472 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8463% | 5,910 |
| Cost of funding earning assets | 0.9340% | 1,958 |
| Net interest margin | 2.9123% | 6,332 |
| Noninterest income to average assets | 0.7299% | 2,571 |
| Noninterest expense to average assets | 2.4949% | 5,104 |
| Loan and lease loss provision to assets | 0.6314% | 840 |
| Net operating income to assets | 0.2101% | 5,891 |
| Return on assets (ROA) | 0.3857% | 5,518 |
| Pretax return on assets | 0.5337% | 5,365 |
| Return on Equity (ROE) | 3.7189% | 5,396 |
| Retained earnings to average equity (ytd only) | -1.5006% | 6,333 |
| Net charge-offs to loans | 1.0425% | 1,009 |
| Credit loss provision to net charge-offs | 103.9661% | 2,836 |
| Earnings coverage of net charge-offs (x) | 1.5169% | 4,523 |
| Efficiency ratio | 72.0884% | 3,309 |
| Assets per employee ($millions) | 4.4185% | 3,050 |
| Cash dividends to net income (ytd only)* | 140.3511% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0395% | 2,061 |
| Loan loss allowance to noncurrent loans | 37.5885% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 3.1530% | 1,641 |
| Noncurrent loans to loans | 5.4258% | 797 |
| Net loans and leases to total assets | 54.1913% | 4,726 |
| Net loans and leases to deposits | 62.4265% | 4,910 |
| Net loans and leases to core deposits | 67.8038% | 4,745 |
| Total domestic deposits to total assets | 86.8082% | 2,794 |
| Equity capital to assets | 10.1545% | 4,268 |
| Core capital (leverage) ratio | 9.1775% | 4,799 |
| Tier 1 risk-based capital ratio | 18.4050% | 2,199 |
| Total risk-based capital ratio | 19.6679% | 2,167 |
| Memoranda: | ||
| Average total assets | $492,628,000 | 1,367 |
| Average earning assets | $454,385,500 | 1,362 |
| Average equity | $51,088,500 | 1,397 |
| Average total loans | $286,994,250 | 1,470 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9254% | 5,849 |
| Cost of funding earning assets | 0.9527% | 2,046 |
| Net interest margin | 2.9727% | 6,289 |
| Noninterest income to average assets | 0.6913% | 2,715 |
| Noninterest expense to average assets | 2.4347% | 5,345 |
| Loan and lease loss provision to assets | 0.8521% | 571 |
| Net operating income to assets | 0.1016% | 6,153 |
| Return on assets (ROA) | 0.3559% | 5,623 |
| Pretax return on assets | 0.5121% | 5,406 |
| Return on Equity (ROE) | 3.4072% | 5,523 |
| Retained earnings to average equity (ytd only) | -4.4254% | 6,582 |
| Net charge-offs to loans | 1.4239% | 710 |
| Credit loss provision to net charge-offs | 100.9695% | 2,696 |
| Earnings coverage of net charge-offs (x) | 1.1798% | 4,418 |
| Efficiency ratio | 70.0334% | 3,757 |
| Assets per employee ($millions) | 4.4521% | 2,996 |
| Cash dividends to net income (ytd only)* | 229.8851% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9409% | 2,409 |
| Loan loss allowance to noncurrent loans | 34.6415% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 3.3192% | 1,627 |
| Noncurrent loans to loans | 5.6027% | 829 |
| Net loans and leases to total assets | 57.3948% | 4,261 |
| Net loans and leases to deposits | 66.1762% | 4,485 |
| Net loans and leases to core deposits | 72.0513% | 4,289 |
| Total domestic deposits to total assets | 86.7302% | 2,942 |
| Equity capital to assets | 10.1097% | 4,178 |
| Core capital (leverage) ratio | 9.2407% | 4,538 |
| Tier 1 risk-based capital ratio | 17.7926% | 2,368 |
| Total risk-based capital ratio | 19.0472% | 2,334 |
| Memoranda: | ||
| Average total assets | $488,934,670 | 1,382 |
| Average earning assets | $450,504,330 | 1,374 |
| Average equity | $51,068,330 | 1,391 |
| Average total loans | $289,776,000 | 1,462 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8145% | 6,216 |
| Cost of funding earning assets | 0.9442% | 2,345 |
| Net interest margin | 2.8702% | 6,523 |
| Noninterest income to average assets | 0.7584% | 2,356 |
| Noninterest expense to average assets | 2.4273% | 5,382 |
| Loan and lease loss provision to assets | 0.2739% | 2,273 |
| Net operating income to assets | 0.4187% | 5,177 |
| Return on assets (ROA) | 0.4187% | 5,372 |
| Pretax return on assets | 0.7000% | 4,788 |
| Return on Equity (ROE) | 3.9441% | 5,322 |
| Retained earnings to average equity (ytd only) | 3.9441% | 4,220 |
| Net charge-offs to loans | 0.5682% | 1,670 |
| Credit loss provision to net charge-offs | 80.8252% | 2,709 |
| Earnings coverage of net charge-offs (x) | 2.8738% | 3,028 |
| Efficiency ratio | 70.3990% | 3,745 |
| Assets per employee ($millions) | 4.5377% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9022% | 2,665 |
| Loan loss allowance to noncurrent loans | 28.4352% | 6,247 |
| Noncurrent assets plus other real estate owned to assets | 3.9157% | 1,418 |
| Noncurrent loans to loans | 6.6895% | 701 |
| Net loans and leases to total assets | 56.4664% | 4,299 |
| Net loans and leases to deposits | 65.2415% | 4,462 |
| Net loans and leases to core deposits | 71.1374% | 4,269 |
| Total domestic deposits to total assets | 86.5498% | 3,213 |
| Equity capital to assets | 10.3280% | 3,700 |
| Core capital (leverage) ratio | 9.1574% | 4,592 |
| Tier 1 risk-based capital ratio | 17.5599% | 2,457 |
| Total risk-based capital ratio | 18.8207% | 2,425 |
| Memoranda: | ||
| Average total assets | $486,308,000 | 1,387 |
| Average earning assets | $447,766,500 | 1,378 |
| Average equity | $51,622,000 | 1,372 |
| Average total loans | $290,038,000 | 1,465 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 5,516 |
| Cost of funding earning assets | 1.1165% | 2,562 |
| Net interest margin | 3.2591% | 5,935 |
| Noninterest income to average assets | 0.6585% | 2,839 |
| Noninterest expense to average assets | 2.5026% | 5,457 |
| Loan and lease loss provision to assets | 1.3253% | 609 |
| Net operating income to assets | -0.1346% | 6,190 |
| Return on assets (ROA) | 0.0972% | 5,987 |
| Pretax return on assets | 0.0824% | 5,993 |
| Return on Equity (ROE) | 0.9176% | 5,982 |
| Retained earnings to average equity (ytd only) | 0.9176% | 5,434 |
| Net charge-offs to loans | 1.9228% | 741 |
| Credit loss provision to net charge-offs | 111.7971% | 2,967 |
| Earnings coverage of net charge-offs (x) | 0.9920% | 5,053 |
| Efficiency ratio | 66.6819% | 4,626 |
| Assets per employee ($millions) | 4.3021% | 3,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 4,910 |
| Loan loss allowance to noncurrent loans | 25.3943% | 6,414 |
| Noncurrent assets plus other real estate owned to assets | 3.3018% | 1,802 |
| Noncurrent loans to loans | 5.1140% | 1,094 |
| Net loans and leases to total assets | 61.0709% | 3,766 |
| Net loans and leases to deposits | 69.4861% | 4,197 |
| Net loans and leases to core deposits | 76.5618% | 3,896 |
| Total domestic deposits to total assets | 87.8894% | 2,230 |
| Equity capital to assets | 10.9234% | 3,049 |
| Core capital (leverage) ratio | 10.1646% | 3,148 |
| Tier 1 risk-based capital ratio | 17.0356% | 2,582 |
| Total risk-based capital ratio | 18.2871% | 2,535 |
| Memoranda: | ||
| Average total assets | $475,498,800 | 1,392 |
| Average earning assets | $440,646,000 | 1,374 |
| Average equity | $50,350,400 | 1,355 |
| Average total loans | $293,172,400 | 1,448 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3795% | 5,678 |
| Cost of funding earning assets | 1.1501% | 2,632 |
| Net interest margin | 3.2294% | 6,082 |
| Noninterest income to average assets | 0.6447% | 2,918 |
| Noninterest expense to average assets | 2.4926% | 5,486 |
| Loan and lease loss provision to assets | 1.5710% | 426 |
| Net operating income to assets | -0.2238% | 6,407 |
| Return on assets (ROA) | -0.0852% | 6,355 |
| Pretax return on assets | -0.2018% | 6,412 |
| Return on Equity (ROE) | -0.8112% | 6,352 |
| Retained earnings to average equity (ytd only) | -0.8112% | 6,119 |
| Net charge-offs to loans | 2.2086% | 555 |
| Credit loss provision to net charge-offs | 115.4652% | 2,829 |
| Earnings coverage of net charge-offs (x) | 0.8472% | 4,978 |
| Efficiency ratio | 66.8762% | 4,548 |
| Assets per employee ($millions) | 4.2848% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 4,828 |
| Loan loss allowance to noncurrent loans | 27.7191% | 6,369 |
| Noncurrent assets plus other real estate owned to assets | 3.0039% | 2,138 |
| Noncurrent loans to loans | 4.8266% | 1,329 |
| Net loans and leases to total assets | 59.7876% | 4,167 |
| Net loans and leases to deposits | 68.0400% | 4,599 |
| Net loans and leases to core deposits | 75.2952% | 4,282 |
| Total domestic deposits to total assets | 87.8712% | 2,114 |
| Equity capital to assets | 10.7634% | 3,407 |
| Core capital (leverage) ratio | 9.8573% | 3,642 |
| Tier 1 risk-based capital ratio | 16.7228% | 2,757 |
| Total risk-based capital ratio | 17.9746% | 2,726 |
| Memoranda: | ||
| Average total assets | $477,141,750 | 1,400 |
| Average earning assets | $443,329,250 | 1,378 |
| Average equity | $50,132,250 | 1,362 |
| Average total loans | $293,929,000 | 1,464 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4107% | 5,647 |
| Cost of funding earning assets | 1.1659% | 2,801 |
| Net interest margin | 3.2448% | 6,012 |
| Noninterest income to average assets | 0.6163% | 3,025 |
| Noninterest expense to average assets | 2.4524% | 5,697 |
| Loan and lease loss provision to assets | 1.9780% | 314 |
| Net operating income to assets | -0.4736% | 6,667 |
| Return on assets (ROA) | -0.3291% | 6,594 |
| Pretax return on assets | -0.5632% | 6,694 |
| Return on Equity (ROE) | -3.1580% | 6,603 |
| Retained earnings to average equity (ytd only) | -3.1580% | 6,394 |
| Net charge-offs to loans | 2.7603% | 398 |
| Credit loss provision to net charge-offs | 115.6992% | 2,645 |
| Earnings coverage of net charge-offs (x) | 0.6956% | 4,774 |
| Efficiency ratio | 65.5513% | 4,967 |
| Assets per employee ($millions) | 4.3603% | 3,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 5,107 |
| Loan loss allowance to noncurrent loans | 18.9858% | 6,749 |
| Noncurrent assets plus other real estate owned to assets | 4.2171% | 1,503 |
| Noncurrent loans to loans | 6.7952% | 786 |
| Net loans and leases to total assets | 60.8312% | 4,121 |
| Net loans and leases to deposits | 69.1710% | 4,544 |
| Net loans and leases to core deposits | 76.5430% | 4,244 |
| Total domestic deposits to total assets | 87.9432% | 2,172 |
| Equity capital to assets | 10.6179% | 3,365 |
| Core capital (leverage) ratio | 9.8307% | 3,478 |
| Tier 1 risk-based capital ratio | 16.3779% | 2,796 |
| Total risk-based capital ratio | 17.6278% | 2,757 |
| Memoranda: | ||
| Average total assets | $477,651,670 | 1,406 |
| Average earning assets | $445,328,670 | 1,375 |
| Average equity | $49,779,000 | 1,356 |
| Average total loans | $295,834,330 | 1,469 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3722% | 5,783 |
| Cost of funding earning assets | 1.1781% | 2,961 |
| Net interest margin | 3.1941% | 6,088 |
| Noninterest income to average assets | 0.5571% | 3,459 |
| Noninterest expense to average assets | 2.3749% | 5,965 |
| Loan and lease loss provision to assets | 3.3005% | 139 |
| Net operating income to assets | -1.3743% | 7,153 |
| Return on assets (ROA) | -1.3280% | 7,148 |
| Pretax return on assets | -2.0631% | 7,264 |
| Return on Equity (ROE) | -12.8614% | 7,096 |
| Retained earnings to average equity (ytd only) | -12.8614% | 6,970 |
| Net charge-offs to loans | 4.2136% | 208 |
| Credit loss provision to net charge-offs | 126.1602% | 2,183 |
| Earnings coverage of net charge-offs (x) | 0.4453% | 4,287 |
| Efficiency ratio | 64.4585% | 5,287 |
| Assets per employee ($millions) | 4.6468% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 4,966 |
| Loan loss allowance to noncurrent loans | 20.1096% | 6,773 |
| Noncurrent assets plus other real estate owned to assets | 4.1568% | 1,590 |
| Noncurrent loans to loans | 6.6394% | 876 |
| Net loans and leases to total assets | 61.2111% | 4,034 |
| Net loans and leases to deposits | 69.3807% | 4,452 |
| Net loans and leases to core deposits | 77.1918% | 4,133 |
| Total domestic deposits to total assets | 88.2250% | 2,244 |
| Equity capital to assets | 10.3327% | 3,366 |
| Core capital (leverage) ratio | 9.5809% | 3,687 |
| Tier 1 risk-based capital ratio | 16.0081% | 2,896 |
| Total risk-based capital ratio | 17.2579% | 2,874 |
| Memoranda: | ||
| Average total assets | $481,021,000 | 1,405 |
| Average earning assets | $449,205,500 | 1,378 |
| Average equity | $49,668,000 | 1,342 |
| Average total loans | $298,648,500 | 1,466 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5804% | 6,170 |
| Cost of funding earning assets | 1.4993% | 2,636 |
| Net interest margin | 3.0811% | 6,568 |
| Noninterest income to average assets | 0.6835% | 2,950 |
| Noninterest expense to average assets | 2.6333% | 5,279 |
| Loan and lease loss provision to assets | 0.6538% | 2,523 |
| Net operating income to assets | 0.1971% | 5,270 |
| Return on assets (ROA) | 0.2664% | 5,215 |
| Pretax return on assets | 0.3269% | 5,157 |
| Return on Equity (ROE) | 2.4576% | 5,206 |
| Retained earnings to average equity (ytd only) | 2.4576% | 4,156 |
| Net charge-offs to loans | 0.8801% | 2,432 |
| Credit loss provision to net charge-offs | 116.4479% | 3,695 |
| Earnings coverage of net charge-offs (x) | 1.5942% | 4,541 |
| Efficiency ratio | 73.2981% | 3,532 |
| Assets per employee ($millions) | 4.6044% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 6,271 |
| Loan loss allowance to noncurrent loans | 15.4393% | 6,969 |
| Noncurrent assets plus other real estate owned to assets | 4.1490% | 1,614 |
| Noncurrent loans to loans | 6.6276% | 886 |
| Net loans and leases to total assets | 61.4962% | 4,394 |
| Net loans and leases to deposits | 69.7057% | 4,851 |
| Net loans and leases to core deposits | 81.0357% | 4,052 |
| Total domestic deposits to total assets | 88.2226% | 2,110 |
| Equity capital to assets | 10.3186% | 3,368 |
| Core capital (leverage) ratio | 9.6067% | 3,548 |
| Tier 1 risk-based capital ratio | 15.7484% | 2,867 |
| Total risk-based capital ratio | 16.7989% | 2,944 |
| Memoranda: | ||
| Average total assets | $461,282,800 | 1,440 |
| Average earning assets | $425,919,000 | 1,422 |
| Average equity | $50,007,400 | 1,339 |
| Average total loans | $294,277,200 | 1,522 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6059% | 6,319 |
| Cost of funding earning assets | 1.5641% | 2,587 |
| Net interest margin | 3.0418% | 6,746 |
| Noninterest income to average assets | 0.6488% | 3,134 |
| Noninterest expense to average assets | 2.6485% | 5,118 |
| Loan and lease loss provision to assets | 0.6687% | 2,289 |
| Net operating income to assets | 0.0982% | 5,781 |
| Return on assets (ROA) | 0.1851% | 5,711 |
| Pretax return on assets | 0.2464% | 5,620 |
| Return on Equity (ROE) | 1.6854% | 5,709 |
| Retained earnings to average equity (ytd only) | 1.6854% | 5,116 |
| Net charge-offs to loans | 0.7990% | 2,446 |
| Credit loss provision to net charge-offs | 130.2857% | 3,102 |
| Earnings coverage of net charge-offs (x) | 1.5571% | 4,557 |
| Efficiency ratio | 75.9336% | 2,964 |
| Assets per employee ($millions) | 4.8239% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 6,305 |
| Loan loss allowance to noncurrent loans | 20.8023% | 6,868 |
| Noncurrent assets plus other real estate owned to assets | 3.1103% | 2,324 |
| Noncurrent loans to loans | 4.9039% | 1,431 |
| Net loans and leases to total assets | 61.5719% | 4,621 |
| Net loans and leases to deposits | 69.8816% | 5,164 |
| Net loans and leases to core deposits | 82.2549% | 4,211 |
| Total domestic deposits to total assets | 88.1088% | 1,897 |
| Equity capital to assets | 10.1605% | 3,931 |
| Core capital (leverage) ratio | 9.3083% | 4,198 |
| Tier 1 risk-based capital ratio | 15.3996% | 3,044 |
| Total risk-based capital ratio | 16.4594% | 3,120 |
| Memoranda: | ||
| Average total assets | $454,585,750 | 1,479 |
| Average earning assets | $418,289,250 | 1,471 |
| Average equity | $49,918,750 | 1,343 |
| Average total loans | $292,034,500 | 1,550 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6434% | 6,332 |
| Cost of funding earning assets | 1.5917% | 2,706 |
| Net interest margin | 3.0517% | 6,716 |
| Noninterest income to average assets | 0.5784% | 3,488 |
| Noninterest expense to average assets | 2.6666% | 5,051 |
| Loan and lease loss provision to assets | 0.7097% | 2,049 |
| Net operating income to assets | 0.0104% | 6,072 |
| Return on assets (ROA) | 0.1535% | 5,833 |
| Pretax return on assets | 0.1721% | 5,840 |
| Return on Equity (ROE) | 1.3593% | 5,847 |
| Retained earnings to average equity (ytd only) | 1.3593% | 5,202 |
| Net charge-offs to loans | 1.2321% | 1,552 |
| Credit loss provision to net charge-offs | 88.6054% | 4,457 |
| Earnings coverage of net charge-offs (x) | 0.9002% | 4,872 |
| Efficiency ratio | 78.7160% | 2,623 |
| Assets per employee ($millions) | 4.5306% | 2,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7754% | 7,086 |
| Loan loss allowance to noncurrent loans | 31.8475% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 1.6149% | 4,022 |
| Noncurrent loans to loans | 2.4347% | 3,214 |
| Net loans and leases to total assets | 63.3423% | 4,383 |
| Net loans and leases to deposits | 71.9467% | 5,002 |
| Net loans and leases to core deposits | 84.7781% | 4,027 |
| Total domestic deposits to total assets | 88.0406% | 1,979 |
| Equity capital to assets | 10.2063% | 3,758 |
| Core capital (leverage) ratio | 10.0963% | 3,070 |
| Tier 1 risk-based capital ratio | 14.9070% | 3,204 |
| Total risk-based capital ratio | 15.6387% | 3,472 |
| Memoranda: | ||
| Average total assets | $440,492,670 | 1,551 |
| Average earning assets | $405,477,330 | 1,526 |
| Average equity | $49,730,330 | 1,345 |
| Average total loans | $286,352,000 | 1,595 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9339% | 5,295 |
| Cost of funding earning assets | 1.6526% | 2,630 |
| Net interest margin | 3.2813% | 6,047 |
| Noninterest income to average assets | 0.4528% | 4,439 |
| Noninterest expense to average assets | 2.6571% | 5,114 |
| Loan and lease loss provision to assets | 0.4336% | 2,791 |
| Net operating income to assets | 0.2410% | 5,540 |
| Return on assets (ROA) | 0.3413% | 5,245 |
| Pretax return on assets | 0.5480% | 4,792 |
| Return on Equity (ROE) | 2.8614% | 5,396 |
| Retained earnings to average equity (ytd only) | 2.8614% | 4,407 |
| Net charge-offs to loans | 0.8487% | 1,839 |
| Credit loss provision to net charge-offs | 77.7586% | 3,938 |
| Earnings coverage of net charge-offs (x) | 1.4793% | 3,847 |
| Efficiency ratio | 76.3114% | 3,164 |
| Assets per employee ($millions) | 4.7035% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 6,806 |
| Loan loss allowance to noncurrent loans | 33.4585% | 6,173 |
| Noncurrent assets plus other real estate owned to assets | 1.7720% | 3,828 |
| Noncurrent loans to loans | 2.7293% | 2,924 |
| Net loans and leases to total assets | 61.8670% | 4,784 |
| Net loans and leases to deposits | 71.3682% | 5,145 |
| Net loans and leases to core deposits | 84.6762% | 4,107 |
| Total domestic deposits to total assets | 86.6871% | 2,790 |
| Equity capital to assets | 11.4207% | 2,425 |
| Core capital (leverage) ratio | 11.2993% | 2,032 |
| Tier 1 risk-based capital ratio | 16.7632% | 2,359 |
| Total risk-based capital ratio | 17.6102% | 2,459 |
| Memoranda: | ||
| Average total assets | $416,086,500 | 1,675 |
| Average earning assets | $384,118,000 | 1,653 |
| Average equity | $49,625,500 | 1,350 |
| Average total loans | $273,348,500 | 1,715 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3905% | 4,743 |
| Cost of funding earning assets | 1.9375% | 3,263 |
| Net interest margin | 3.4530% | 5,159 |
| Noninterest income to average assets | 0.3476% | 5,611 |
| Noninterest expense to average assets | 2.6064% | 5,779 |
| Loan and lease loss provision to assets | 0.6774% | 3,112 |
| Net operating income to assets | 0.2333% | 4,790 |
| Return on assets (ROA) | 0.2794% | 4,703 |
| Pretax return on assets | 0.2865% | 4,800 |
| Return on Equity (ROE) | 2.2055% | 4,830 |
| Retained earnings to average equity (ytd only) | -2.5349% | 5,622 |
| Net charge-offs to loans | 0.4730% | 3,888 |
| Credit loss provision to net charge-offs | 201.3616% | 1,932 |
| Earnings coverage of net charge-offs (x) | 2.7254% | 3,739 |
| Efficiency ratio | 73.9762% | 3,901 |
| Assets per employee ($millions) | 4.2908% | 3,279 |
| Cash dividends to net income (ytd only)* | 214.9362% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 6,586 |
| Loan loss allowance to noncurrent loans | 78.5800% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.0455% | 5,007 |
| Noncurrent loans to loans | 1.2201% | 4,917 |
| Net loans and leases to total assets | 68.6408% | 3,560 |
| Net loans and leases to deposits | 80.3599% | 3,925 |
| Net loans and leases to core deposits | 113.7957% | 2,518 |
| Total domestic deposits to total assets | 85.4168% | 3,345 |
| Equity capital to assets | 12.4874% | 1,757 |
| Core capital (leverage) ratio | 12.4275% | 1,482 |
| Tier 1 risk-based capital ratio | 17.1781% | 2,107 |
| Total risk-based capital ratio | 18.0976% | 2,163 |
| Memoranda: | ||
| Average total assets | $392,963,200 | 1,750 |
| Average earning assets | $361,397,800 | 1,737 |
| Average equity | $49,785,200 | 1,352 |
| Average total loans | $279,515,200 | 1,724 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4356% | 4,766 |
| Cost of funding earning assets | 1.9761% | 3,482 |
| Net interest margin | 3.4595% | 5,032 |
| Noninterest income to average assets | 0.2887% | 6,170 |
| Noninterest expense to average assets | 2.5918% | 5,742 |
| Loan and lease loss provision to assets | 0.7952% | 2,376 |
| Net operating income to assets | 0.1549% | 5,306 |
| Return on assets (ROA) | 0.2001% | 5,243 |
| Pretax return on assets | 0.1355% | 5,449 |
| Return on Equity (ROE) | 1.5735% | 5,307 |
| Retained earnings to average equity (ytd only) | -4.7312% | 6,219 |
| Net charge-offs to loans | 0.4631% | 3,371 |
| Credit loss provision to net charge-offs | 239.8566% | 1,825 |
| Earnings coverage of net charge-offs (x) | 2.6711% | 3,893 |
| Efficiency ratio | 74.5336% | 3,778 |
| Assets per employee ($millions) | 4.3447% | 3,130 |
| Cash dividends to net income (ytd only)* | 400.6813% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 6,478 |
| Loan loss allowance to noncurrent loans | 83.7445% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.4611% | 4,187 |
| Noncurrent loans to loans | 1.1483% | 5,027 |
| Net loans and leases to total assets | 68.2299% | 3,906 |
| Net loans and leases to deposits | 79.9177% | 4,402 |
| Net loans and leases to core deposits | 113.0739% | 2,927 |
| Total domestic deposits to total assets | 85.3752% | 3,040 |
| Equity capital to assets | 12.3451% | 2,034 |
| Core capital (leverage) ratio | 12.1592% | 1,728 |
| Tier 1 risk-based capital ratio | 18.3536% | 1,897 |
| Total risk-based capital ratio | 19.3557% | 1,907 |
| Memoranda: | ||
| Average total assets | $392,516,750 | 1,765 |
| Average earning assets | $361,779,250 | 1,746 |
| Average equity | $49,908,000 | 1,371 |
| Average total loans | $280,998,500 | 1,733 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5033% | 4,607 |
| Cost of funding earning assets | 2.0051% | 3,749 |
| Net interest margin | 3.4982% | 4,807 |
| Noninterest income to average assets | 0.1646% | 7,104 |
| Noninterest expense to average assets | 2.5469% | 5,962 |
| Loan and lease loss provision to assets | 0.8787% | 1,917 |
| Net operating income to assets | 0.1082% | 5,540 |
| Return on assets (ROA) | 0.1825% | 5,410 |
| Pretax return on assets | 0.0395% | 5,796 |
| Return on Equity (ROE) | 1.4213% | 5,484 |
| Retained earnings to average equity (ytd only) | -8.0007% | 6,668 |
| Net charge-offs to loans | 0.3705% | 3,334 |
| Credit loss provision to net charge-offs | 327.0992% | 1,426 |
| Earnings coverage of net charge-offs (x) | 3.1412% | 3,551 |
| Efficiency ratio | 75.1134% | 3,860 |
| Assets per employee ($millions) | 4.3925% | 2,947 |
| Cash dividends to net income (ytd only)* | 662.9213% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8930% | 6,806 |
| Loan loss allowance to noncurrent loans | 65.4060% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.4313% | 4,103 |
| Noncurrent loans to loans | 1.3653% | 4,485 |
| Net loans and leases to total assets | 68.6645% | 4,030 |
| Net loans and leases to deposits | 80.5489% | 4,467 |
| Net loans and leases to core deposits | 109.3757% | 3,447 |
| Total domestic deposits to total assets | 85.2458% | 3,137 |
| Equity capital to assets | 12.1676% | 2,114 |
| Core capital (leverage) ratio | 12.0753% | 1,803 |
| Tier 1 risk-based capital ratio | 17.4980% | 2,152 |
| Total risk-based capital ratio | 18.3954% | 2,196 |
| Memoranda: | ||
| Average total assets | $390,118,330 | 1,795 |
| Average earning assets | $359,786,000 | 1,781 |
| Average equity | $50,095,670 | 1,372 |
| Average total loans | $282,874,330 | 1,749 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6921% | 3,841 |
| Cost of funding earning assets | 2.0543% | 3,848 |
| Net interest margin | 3.6378% | 4,151 |
| Noninterest income to average assets | 0.1889% | 6,940 |
| Noninterest expense to average assets | 2.4510% | 6,020 |
| Loan and lease loss provision to assets | 0.6872% | 1,839 |
| Net operating income to assets | 0.2175% | 5,606 |
| Return on assets (ROA) | 0.3623% | 5,195 |
| Pretax return on assets | 0.6301% | 4,655 |
| Return on Equity (ROE) | 2.7467% | 5,471 |
| Retained earnings to average equity (ytd only) | 2.7467% | 4,349 |
| Net charge-offs to loans | 0.7515% | 1,691 |
| Credit loss provision to net charge-offs | 123.2775% | 3,211 |
| Earnings coverage of net charge-offs (x) | 1.9572% | 3,742 |
| Efficiency ratio | 69.1970% | 4,740 |
| Assets per employee ($millions) | 4.3925% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 6,799 |
| Loan loss allowance to noncurrent loans | 45.7860% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 2.0489% | 2,825 |
| Noncurrent loans to loans | 1.9426% | 3,351 |
| Net loans and leases to total assets | 69.6652% | 3,757 |
| Net loans and leases to deposits | 81.9287% | 4,297 |
| Net loans and leases to core deposits | 109.7144% | 3,472 |
| Total domestic deposits to total assets | 85.0315% | 3,186 |
| Equity capital to assets | 12.7665% | 1,848 |
| Core capital (leverage) ratio | 12.6901% | 1,611 |
| Tier 1 risk-based capital ratio | 19.1232% | 1,785 |
| Total risk-based capital ratio | 20.0670% | 1,806 |
| Memoranda: | ||
| Average total assets | $385,319,500 | 1,822 |
| Average earning assets | $355,159,500 | 1,807 |
| Average equity | $50,825,500 | 1,350 |
| Average total loans | $285,843,500 | 1,737 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1564% | 4,749 |
| Cost of funding earning assets | 2.9421% | 2,087 |
| Net interest margin | 3.2142% | 6,329 |
| Noninterest income to average assets | 0.4953% | 4,644 |
| Noninterest expense to average assets | 2.5296% | 5,889 |
| Loan and lease loss provision to assets | 0.9920% | 1,486 |
| Net operating income to assets | -0.0832% | 6,482 |
| Return on assets (ROA) | -0.0542% | 6,297 |
| Pretax return on assets | -0.1040% | 6,275 |
| Return on Equity (ROE) | -0.4080% | 6,287 |
| Retained earnings to average equity (ytd only) | -0.4080% | 5,407 |
| Net charge-offs to loans | 1.1437% | 1,060 |
| Credit loss provision to net charge-offs | 112.4812% | 4,795 |
| Earnings coverage of net charge-offs (x) | 0.9557% | 5,654 |
| Efficiency ratio | 75.0079% | 3,398 |
| Assets per employee ($millions) | 4.1213% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8166% | 7,040 |
| Loan loss allowance to noncurrent loans | 53.8566% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 1.9929% | 2,474 |
| Noncurrent loans to loans | 1.5162% | 3,517 |
| Net loans and leases to total assets | 77.7389% | 2,208 |
| Net loans and leases to deposits | 92.5676% | 3,040 |
| Net loans and leases to core deposits | 124.6839% | 2,274 |
| Total domestic deposits to total assets | 83.9806% | 3,329 |
| Equity capital to assets | 13.6474% | 1,552 |
| Core capital (leverage) ratio | 13.5776% | 1,361 |
| Tier 1 risk-based capital ratio | 19.1134% | 1,788 |
| Total risk-based capital ratio | 20.0157% | 1,809 |
| Memoranda: | ||
| Average total assets | $376,101,800 | 1,795 |
| Average earning assets | $336,659,000 | 1,828 |
| Average equity | $50,002,600 | 1,351 |
| Average total loans | $290,022,000 | 1,667 |