Home > United Community Bank of North Dakota > Performance and Condition Ratios
United Community Bank of North Dakota, Performance and Condition Ratios
| 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 | 5.0584% | 1,714 |
| Cost of funding earning assets | 1.0657% | 2,844 |
| Net interest margin | 3.9927% | 1,230 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.1597% | 3,186 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3571% | 1,409 |
| Return on assets (ROA) | 1.3571% | 1,384 |
| Pretax return on assets | 1.7478% | 1,089 |
| Return on Equity (ROE) | 16.1400% | 1,230 |
| Retained earnings to average equity (ytd only) | -1.9811% | 4,318 |
| Net charge-offs to loans | -0.0132% | 4,016 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.2705% | 3,462 |
| Assets per employee ($millions) | 10.6929% | 550 |
| Cash dividends to net income (ytd only)* | 112.2757% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 1,285 |
| Loan loss allowance to noncurrent loans | 577.4869% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.5206% | 1,120 |
| Noncurrent loans to loans | 0.2494% | 2,344 |
| Net loans and leases to total assets | 78.4300% | 829 |
| Net loans and leases to deposits | 93.5454% | 937 |
| Net loans and leases to core deposits | 99.0830% | 1,372 |
| Total domestic deposits to total assets | 83.8400% | 2,823 |
| Equity capital to assets | 8.0253% | 3,042 |
| Core capital (leverage) ratio | 9.3310% | 3,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1773% | 2,561 |
| Memoranda: | ||
| Average total assets | $377,760,500 | 2,089 |
| Average earning assets | $351,937,000 | 2,087 |
| Average equity | $31,765,750 | 2,178 |
| Average total loans | $291,818,500 | 1,822 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7762% | 2,046 |
| Cost of funding earning assets | 0.8899% | 2,955 |
| Net interest margin | 3.8864% | 1,455 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.0604% | 3,442 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4519% | 1,208 |
| Return on assets (ROA) | 1.4519% | 1,192 |
| Pretax return on assets | 1.8521% | 934 |
| Return on Equity (ROE) | 17.0000% | 1,100 |
| Retained earnings to average equity (ytd only) | -9.9324% | 4,510 |
| Net charge-offs to loans | -0.0153% | 4,051 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.6624% | 3,726 |
| Assets per employee ($millions) | 10.4167% | 590 |
| Cash dividends to net income (ytd only)* | 158.4220% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4976% | 1,191 |
| Loan loss allowance to noncurrent loans | 575.0653% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 1,020 |
| Noncurrent loans to loans | 0.2604% | 2,227 |
| Net loans and leases to total assets | 77.2600% | 909 |
| Net loans and leases to deposits | 89.3784% | 1,233 |
| Net loans and leases to core deposits | 92.8719% | 1,631 |
| Total domestic deposits to total assets | 86.4500% | 2,102 |
| Equity capital to assets | 8.1493% | 3,119 |
| Core capital (leverage) ratio | 9.4619% | 3,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3019% | 2,534 |
| Memoranda: | ||
| Average total assets | $375,366,000 | 2,103 |
| Average earning assets | $350,611,000 | 2,092 |
| Average equity | $32,056,667 | 2,184 |
| Average total loans | $286,986,667 | 1,838 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6242% | 2,024 |
| Cost of funding earning assets | 0.8034% | 2,720 |
| Net interest margin | 3.8208% | 1,644 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.0141% | 3,598 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4443% | 1,300 |
| Return on assets (ROA) | 1.4443% | 1,273 |
| Pretax return on assets | 1.8469% | 990 |
| Return on Equity (ROE) | 16.5300% | 1,256 |
| Retained earnings to average equity (ytd only) | 12.8639% | 1,113 |
| Net charge-offs to loans | -0.0917% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.1655% | 3,762 |
| Assets per employee ($millions) | 10.3318% | 626 |
| Cash dividends to net income (ytd only)* | 22.1976% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 884 |
| Loan loss allowance to noncurrent loans | 456.2051% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.5955% | 858 |
| Noncurrent loans to loans | 0.3645% | 1,841 |
| Net loans and leases to total assets | 70.7100% | 1,556 |
| Net loans and leases to deposits | 77.8732% | 1,980 |
| Net loans and leases to core deposits | 81.3893% | 2,154 |
| Total domestic deposits to total assets | 90.8000% | 864 |
| Equity capital to assets | 8.9744% | 2,545 |
| Core capital (leverage) ratio | 10.0416% | 2,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8623% | 2,026 |
| Memoranda: | ||
| Average total assets | $375,549,000 | 2,124 |
| Average earning assets | $350,500,500 | 2,122 |
| Average equity | $32,805,000 | 2,171 |
| Average total loans | $283,408,000 | 1,867 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2648% | 1,128 |
| Cost of funding earning assets | 0.3082% | 2,807 |
| Net interest margin | 3.9566% | 849 |
| Noninterest income to average assets | 0.0500% | 4,578 |
| Noninterest expense to average assets | 1.9601% | 3,684 |
| Loan and lease loss provision to assets | 0.5800% | 96 |
| Net operating income to assets | 0.8694% | 3,086 |
| Return on assets (ROA) | 0.8643% | 3,030 |
| Pretax return on assets | 1.0901% | 2,805 |
| Return on Equity (ROE) | 10.3800% | 2,684 |
| Retained earnings to average equity (ytd only) | 6.8671% | 2,294 |
| Net charge-offs to loans | 0.8765% | 74 |
| Credit loss provision to net charge-offs | 89.5344% | 1,637 |
| Earnings coverage of net charge-offs (x) | 2.5957% | 2,498 |
| Efficiency ratio | 53.9369% | 3,801 |
| Assets per employee ($millions) | 9.9777% | 678 |
| Cash dividends to net income (ytd only)* | 33.8183% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 1,268 |
| Loan loss allowance to noncurrent loans | 408.0258% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.6340% | 787 |
| Noncurrent loans to loans | 0.3621% | 1,838 |
| Net loans and leases to total assets | 77.7900% | 818 |
| Net loans and leases to deposits | 90.3997% | 1,027 |
| Net loans and leases to core deposits | 93.4007% | 1,323 |
| Total domestic deposits to total assets | 86.0500% | 2,710 |
| Equity capital to assets | 8.5005% | 2,701 |
| Core capital (leverage) ratio | 9.4997% | 3,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5938% | 2,533 |
| Memoranda: | ||
| Average total assets | $389,673,800 | 2,063 |
| Average earning assets | $352,678,200 | 2,098 |
| Average equity | $32,459,200 | 2,223 |
| Average total loans | $286,706,200 | 1,785 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1412% | 991 |
| Cost of funding earning assets | 0.2149% | 3,090 |
| Net interest margin | 3.9263% | 753 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.8693% | 3,821 |
| Loan and lease loss provision to assets | 0.7300% | 65 |
| Net operating income to assets | 0.8850% | 2,941 |
| Return on assets (ROA) | 0.8850% | 2,910 |
| Pretax return on assets | 1.0974% | 2,731 |
| Return on Equity (ROE) | 10.6800% | 2,511 |
| Retained earnings to average equity (ytd only) | 6.0071% | 2,757 |
| Net charge-offs to loans | 0.3649% | 170 |
| Credit loss provision to net charge-offs | 278.3505% | 847 |
| Earnings coverage of net charge-offs (x) | 6.9446% | 2,093 |
| Efficiency ratio | 50.5097% | 4,130 |
| Assets per employee ($millions) | 8.7073% | 989 |
| Cash dividends to net income (ytd only)* | 43.7404% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0088% | 495 |
| Loan loss allowance to noncurrent loans | 166.2103% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 1.4371% | 242 |
| Noncurrent loans to loans | 1.2086% | 609 |
| Net loans and leases to total assets | 77.2800% | 775 |
| Net loans and leases to deposits | 88.9049% | 971 |
| Net loans and leases to core deposits | 90.8381% | 1,246 |
| Total domestic deposits to total assets | 86.9300% | 2,787 |
| Equity capital to assets | 8.1413% | 2,807 |
| Core capital (leverage) ratio | 9.5341% | 3,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2737% | 2,722 |
| Memoranda: | ||
| Average total assets | $392,304,000 | 2,071 |
| Average earning assets | $353,032,500 | 2,109 |
| Average equity | $32,516,500 | 2,252 |
| Average total loans | $283,542,750 | 1,790 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9737% | 975 |
| Cost of funding earning assets | 0.1999% | 2,912 |
| Net interest margin | 3.7737% | 794 |
| Noninterest income to average assets | 0.1022% | 4,472 |
| Noninterest expense to average assets | 1.8292% | 3,886 |
| Loan and lease loss provision to assets | 1.0927% | 41 |
| Net operating income to assets | 0.4533% | 3,993 |
| Return on assets (ROA) | 0.4533% | 3,949 |
| Pretax return on assets | 0.5509% | 3,920 |
| Return on Equity (ROE) | 5.4372% | 3,723 |
| Retained earnings to average equity (ytd only) | -1.4746% | 4,340 |
| Net charge-offs to loans | 0.5668% | 116 |
| Credit loss provision to net charge-offs | 274.8092% | 831 |
| Earnings coverage of net charge-offs (x) | 4.1336% | 1,968 |
| Efficiency ratio | 52.6730% | 4,078 |
| Assets per employee ($millions) | 9.0951% | 852 |
| Cash dividends to net income (ytd only)* | 127.1205% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1150% | 437 |
| Loan loss allowance to noncurrent loans | 151.0092% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 1.2440% | 333 |
| Noncurrent loans to loans | 1.4006% | 540 |
| Net loans and leases to total assets | 71.7142% | 1,133 |
| Net loans and leases to deposits | 77.7919% | 1,557 |
| Net loans and leases to core deposits | 79.3978% | 1,756 |
| Total domestic deposits to total assets | 92.1872% | 766 |
| Equity capital to assets | 7.7322% | 3,323 |
| Core capital (leverage) ratio | 8.2526% | 4,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1349% | 2,777 |
| Memoranda: | ||
| Average total assets | $395,365,000 | 2,071 |
| Average earning assets | $353,125,667 | 2,126 |
| Average equity | $32,958,333 | 2,278 |
| Average total loans | $277,335,333 | 1,816 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7801% | 1,123 |
| Cost of funding earning assets | 0.2029% | 2,760 |
| Net interest margin | 3.5772% | 933 |
| Noninterest income to average assets | 0.1026% | 4,495 |
| Noninterest expense to average assets | 1.7942% | 3,951 |
| Loan and lease loss provision to assets | 0.5031% | 94 |
| Net operating income to assets | 0.8282% | 2,563 |
| Return on assets (ROA) | 0.8282% | 2,557 |
| Pretax return on assets | 1.0526% | 2,286 |
| Return on Equity (ROE) | 9.5928% | 2,126 |
| Retained earnings to average equity (ytd only) | 9.5928% | 1,122 |
| Net charge-offs to loans | -0.0499% | 4,252 |
| Credit loss provision to net charge-offs | -1,470.5882% | 3,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5596% | 4,085 |
| Assets per employee ($millions) | 9.7147% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9440% | 684 |
| Loan loss allowance to noncurrent loans | 110.5230% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.3664% | 284 |
| Noncurrent loans to loans | 1.7589% | 443 |
| Net loans and leases to total assets | 64.5318% | 1,550 |
| Net loans and leases to deposits | 70.4037% | 1,930 |
| Net loans and leases to core deposits | 71.8014% | 2,131 |
| Total domestic deposits to total assets | 91.6596% | 719 |
| Equity capital to assets | 8.2847% | 3,336 |
| Core capital (leverage) ratio | 8.6105% | 3,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8785% | 2,649 |
| Memoranda: | ||
| Average total assets | $397,502,500 | 2,063 |
| Average earning assets | $360,837,500 | 2,109 |
| Average equity | $34,317,500 | 2,278 |
| Average total loans | $272,739,500 | 1,826 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7614% | 384 |
| Cost of funding earning assets | 0.2846% | 2,553 |
| Net interest margin | 4.4768% | 287 |
| Noninterest income to average assets | 0.1077% | 4,573 |
| Noninterest expense to average assets | 2.1890% | 3,119 |
| Loan and lease loss provision to assets | 0.2352% | 419 |
| Net operating income to assets | 1.4126% | 1,236 |
| Return on assets (ROA) | 1.4126% | 1,298 |
| Pretax return on assets | 1.7939% | 928 |
| Return on Equity (ROE) | 14.8014% | 994 |
| Retained earnings to average equity (ytd only) | 3.0976% | 3,590 |
| Net charge-offs to loans | 0.3534% | 239 |
| Credit loss provision to net charge-offs | 86.5000% | 1,907 |
| Earnings coverage of net charge-offs (x) | 7.4610% | 2,342 |
| Efficiency ratio | 51.8956% | 4,125 |
| Assets per employee ($millions) | 9.2140% | 860 |
| Cash dividends to net income (ytd only)* | 79.0720% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6919% | 1,063 |
| Loan loss allowance to noncurrent loans | 99.2586% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.4401% | 302 |
| Noncurrent loans to loans | 1.7046% | 501 |
| Net loans and leases to total assets | 70.3568% | 1,002 |
| Net loans and leases to deposits | 77.3707% | 1,460 |
| Net loans and leases to core deposits | 79.1837% | 1,662 |
| Total domestic deposits to total assets | 90.9346% | 517 |
| Equity capital to assets | 9.0008% | 3,615 |
| Core capital (leverage) ratio | 8.9746% | 3,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4604% | 2,782 |
| Memoranda: | ||
| Average total assets | $367,695,600 | 2,115 |
| Average earning assets | $337,609,400 | 2,147 |
| Average equity | $35,091,200 | 2,289 |
| Average total loans | $282,962,000 | 1,775 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0213% | 293 |
| Cost of funding earning assets | 0.2967% | 2,622 |
| Net interest margin | 4.7246% | 217 |
| Noninterest income to average assets | 0.1099% | 4,627 |
| Noninterest expense to average assets | 1.9533% | 3,801 |
| Loan and lease loss provision to assets | 0.2571% | 351 |
| Net operating income to assets | 1.7387% | 756 |
| Return on assets (ROA) | 1.7387% | 788 |
| Pretax return on assets | 2.2637% | 488 |
| Return on Equity (ROE) | 17.9462% | 633 |
| Retained earnings to average equity (ytd only) | 7.3347% | 2,298 |
| Net charge-offs to loans | -0.0014% | 3,168 |
| Credit loss provision to net charge-offs | -23,333.3333% | 4,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6561% | 4,601 |
| Assets per employee ($millions) | 8.6260% | 1,003 |
| Cash dividends to net income (ytd only)* | 59.1293% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9763% | 664 |
| Loan loss allowance to noncurrent loans | 117.0339% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.6600% | 277 |
| Noncurrent loans to loans | 1.6887% | 598 |
| Net loans and leases to total assets | 75.6261% | 574 |
| Net loans and leases to deposits | 84.0424% | 961 |
| Net loans and leases to core deposits | 86.0824% | 1,289 |
| Total domestic deposits to total assets | 89.9858% | 778 |
| Equity capital to assets | 9.9074% | 2,996 |
| Core capital (leverage) ratio | 9.7283% | 2,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9370% | 2,729 |
| Memoranda: | ||
| Average total assets | $362,872,250 | 2,156 |
| Average earning assets | $335,203,000 | 2,178 |
| Average equity | $35,156,000 | 2,314 |
| Average total loans | $284,462,750 | 1,801 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2414% | 242 |
| Cost of funding earning assets | 0.3073% | 2,712 |
| Net interest margin | 4.9341% | 179 |
| Noninterest income to average assets | 0.1129% | 4,636 |
| Noninterest expense to average assets | 1.9771% | 3,768 |
| Loan and lease loss provision to assets | 0.3856% | 175 |
| Net operating income to assets | 1.7980% | 721 |
| Return on assets (ROA) | 1.7980% | 756 |
| Pretax return on assets | 2.3401% | 452 |
| Return on Equity (ROE) | 18.6995% | 572 |
| Retained earnings to average equity (ytd only) | 8.6050% | 1,852 |
| Net charge-offs to loans | 0.0035% | 2,044 |
| Credit loss provision to net charge-offs | 14,000.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 989.6000% | 128 |
| Efficiency ratio | 42.0405% | 4,697 |
| Assets per employee ($millions) | 8.7505% | 932 |
| Cash dividends to net income (ytd only)* | 53.9828% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9386% | 688 |
| Loan loss allowance to noncurrent loans | 225.4189% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 1.1110% | 655 |
| Noncurrent loans to loans | 0.8600% | 1,434 |
| Net loans and leases to total assets | 77.7700% | 460 |
| Net loans and leases to deposits | 86.3699% | 893 |
| Net loans and leases to core deposits | 88.6455% | 1,229 |
| Total domestic deposits to total assets | 90.0430% | 755 |
| Equity capital to assets | 9.8871% | 2,962 |
| Core capital (leverage) ratio | 9.2880% | 3,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8474% | 2,760 |
| Memoranda: | ||
| Average total assets | $363,065,000 | 2,144 |
| Average earning assets | $337,734,667 | 2,150 |
| Average equity | $34,910,000 | 2,315 |
| Average total loans | $286,112,667 | 1,801 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6805% | 152 |
| Cost of funding earning assets | 0.3244% | 2,757 |
| Net interest margin | 5.3562% | 125 |
| Noninterest income to average assets | 0.1084% | 4,645 |
| Noninterest expense to average assets | 1.9726% | 3,800 |
| Loan and lease loss provision to assets | 0.7667% | 65 |
| Net operating income to assets | 1.7776% | 819 |
| Return on assets (ROA) | 1.7776% | 873 |
| Pretax return on assets | 2.3066% | 580 |
| Return on Equity (ROE) | 18.7473% | 650 |
| Retained earnings to average equity (ytd only) | 18.7473% | 326 |
| Net charge-offs to loans | 0.0209% | 1,318 |
| Credit loss provision to net charge-offs | 4,666.6667% | 121 |
| Earnings coverage of net charge-offs (x) | 187.0667% | 423 |
| Efficiency ratio | 39.0927% | 4,777 |
| Assets per employee ($millions) | 8.5050% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9110% | 726 |
| Loan loss allowance to noncurrent loans | 7,244.7368% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.5355% | 1,769 |
| Noncurrent loans to loans | 0.0264% | 4,160 |
| Net loans and leases to total assets | 75.5202% | 674 |
| Net loans and leases to deposits | 83.6890% | 1,184 |
| Net loans and leases to core deposits | 85.7887% | 1,538 |
| Total domestic deposits to total assets | 90.2391% | 702 |
| Equity capital to assets | 9.4402% | 3,252 |
| Core capital (leverage) ratio | 9.3316% | 3,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1691% | 2,601 |
| Memoranda: | ||
| Average total assets | $365,211,500 | 2,122 |
| Average earning assets | $336,658,500 | 2,144 |
| Average equity | $34,629,000 | 2,324 |
| Average total loans | $286,902,500 | 1,800 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2768% | 281 |
| Cost of funding earning assets | 0.6079% | 2,255 |
| Net interest margin | 4.6689% | 231 |
| Noninterest income to average assets | 0.1326% | 4,622 |
| Noninterest expense to average assets | 2.0702% | 4,000 |
| Loan and lease loss provision to assets | 0.2807% | 1,362 |
| Net operating income to assets | 1.6013% | 638 |
| Return on assets (ROA) | 1.6098% | 681 |
| Pretax return on assets | 2.0242% | 436 |
| Return on Equity (ROE) | 15.3389% | 583 |
| Retained earnings to average equity (ytd only) | -22.7745% | 4,965 |
| Net charge-offs to loans | 0.0050% | 3,164 |
| Credit loss provision to net charge-offs | 7,150.0000% | 148 |
| Earnings coverage of net charge-offs (x) | 584.4286% | 202 |
| Efficiency ratio | 47.4333% | 4,655 |
| Assets per employee ($millions) | 7.9156% | 1,066 |
| Cash dividends to net income (ytd only)* | 248.4759% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6875% | 1,069 |
| Loan loss allowance to noncurrent loans | 6,343.4211% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 1,876 |
| Noncurrent loans to loans | 0.0266% | 4,215 |
| Net loans and leases to total assets | 78.8500% | 512 |
| Net loans and leases to deposits | 87.3758% | 1,145 |
| Net loans and leases to core deposits | 89.7732% | 1,541 |
| Total domestic deposits to total assets | 90.2424% | 472 |
| Equity capital to assets | 9.5257% | 3,583 |
| Core capital (leverage) ratio | 8.9913% | 3,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4548% | 2,814 |
| Memoranda: | ||
| Average total assets | $356,631,800 | 2,017 |
| Average earning assets | $323,243,800 | 2,066 |
| Average equity | $37,427,800 | 2,110 |
| Average total loans | $278,810,400 | 1,780 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3771% | 293 |
| Cost of funding earning assets | 0.6686% | 2,210 |
| Net interest margin | 4.7085% | 252 |
| Noninterest income to average assets | 0.1274% | 4,653 |
| Noninterest expense to average assets | 1.9749% | 4,205 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.8620% | 399 |
| Return on assets (ROA) | 1.8732% | 432 |
| Pretax return on assets | 2.4413% | 232 |
| Return on Equity (ROE) | 17.4469% | 408 |
| Retained earnings to average equity (ytd only) | -22.4804% | 4,987 |
| Net charge-offs to loans | 0.0096% | 2,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 324.7000% | 333 |
| Efficiency ratio | 44.8633% | 4,759 |
| Assets per employee ($millions) | 8.2010% | 928 |
| Cash dividends to net income (ytd only)* | 228.8508% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 2,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7740% | 1,495 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 80.1184% | 604 |
| Net loans and leases to deposits | 90.9183% | 1,167 |
| Net loans and leases to core deposits | 93.4498% | 1,678 |
| Total domestic deposits to total assets | 88.1214% | 1,164 |
| Equity capital to assets | 9.9329% | 3,287 |
| Core capital (leverage) ratio | 9.6669% | 3,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5170% | 2,408 |
| Memoranda: | ||
| Average total assets | $356,738,750 | 1,997 |
| Average earning assets | $323,857,750 | 2,038 |
| Average equity | $38,302,000 | 2,082 |
| Average total loans | $277,091,000 | 1,776 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5471% | 311 |
| Cost of funding earning assets | 0.7478% | 2,134 |
| Net interest margin | 4.7994% | 282 |
| Noninterest income to average assets | 0.1328% | 4,640 |
| Noninterest expense to average assets | 1.9816% | 4,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.9180% | 395 |
| Return on assets (ROA) | 1.9349% | 425 |
| Pretax return on assets | 2.5179% | 208 |
| Return on Equity (ROE) | 17.5758% | 407 |
| Retained earnings to average equity (ytd only) | -15.6536% | 4,988 |
| Net charge-offs to loans | -0.0132% | 4,286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2503% | 4,802 |
| Assets per employee ($millions) | 7.9922% | 969 |
| Cash dividends to net income (ytd only)* | 189.0634% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 2,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8859% | 1,389 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 81.7491% | 436 |
| Net loans and leases to deposits | 92.1271% | 1,143 |
| Net loans and leases to core deposits | 95.2867% | 1,636 |
| Total domestic deposits to total assets | 88.7351% | 849 |
| Equity capital to assets | 10.8289% | 2,479 |
| Core capital (leverage) ratio | 10.6025% | 2,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6585% | 1,938 |
| Memoranda: | ||
| Average total assets | $355,371,000 | 1,981 |
| Average earning assets | $321,751,000 | 2,013 |
| Average equity | $39,122,000 | 2,033 |
| Average total loans | $271,816,333 | 1,784 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1505% | 718 |
| Cost of funding earning assets | 0.9276% | 1,747 |
| Net interest margin | 4.2230% | 880 |
| Noninterest income to average assets | 0.1348% | 4,695 |
| Noninterest expense to average assets | 2.1108% | 4,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3895% | 1,012 |
| Return on assets (ROA) | 1.3895% | 1,088 |
| Pretax return on assets | 1.7824% | 727 |
| Return on Equity (ROE) | 12.5172% | 980 |
| Retained earnings to average equity (ytd only) | -53.7924% | 5,089 |
| Net charge-offs to loans | -0.0093% | 4,053 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2176% | 4,384 |
| Assets per employee ($millions) | 8.1560% | 700 |
| Cash dividends to net income (ytd only)* | 529.7474% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5098% | 1,308 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9210% | 1,449 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 71.4262% | 2,014 |
| Net loans and leases to deposits | 79.9378% | 2,688 |
| Net loans and leases to core deposits | 82.7975% | 2,954 |
| Total domestic deposits to total assets | 89.3521% | 531 |
| Equity capital to assets | 10.3935% | 3,425 |
| Core capital (leverage) ratio | 10.2161% | 3,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3686% | 2,126 |
| Memoranda: | ||
| Average total assets | $353,232,500 | 1,945 |
| Average earning assets | $314,375,500 | 2,003 |
| Average equity | $39,210,000 | 2,015 |
| Average total loans | $258,794,000 | 1,811 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3731% | 706 |
| Cost of funding earning assets | 1.1197% | 1,259 |
| Net interest margin | 4.2533% | 1,196 |
| Noninterest income to average assets | 0.1357% | 4,797 |
| Noninterest expense to average assets | 1.8944% | 4,673 |
| Loan and lease loss provision to assets | 0.9713% | 97 |
| Net operating income to assets | 0.8985% | 3,213 |
| Return on assets (ROA) | 0.9823% | 2,985 |
| Pretax return on assets | 1.2375% | 2,713 |
| Return on Equity (ROE) | 8.4477% | 2,966 |
| Retained earnings to average equity (ytd only) | -4.5939% | 4,968 |
| Net charge-offs to loans | 1.6718% | 82 |
| Credit loss provision to net charge-offs | 78.2858% | 2,812 |
| Earnings coverage of net charge-offs (x) | 1.6947% | 3,507 |
| Efficiency ratio | 47.3944% | 4,861 |
| Assets per employee ($millions) | 8.2734% | 647 |
| Cash dividends to net income (ytd only)* | 154.3806% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 1,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9079% | 1,402 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 72.9196% | 1,930 |
| Net loans and leases to deposits | 82.8826% | 2,458 |
| Net loans and leases to core deposits | 87.3249% | 2,670 |
| Total domestic deposits to total assets | 87.9794% | 1,135 |
| Equity capital to assets | 11.7971% | 2,283 |
| Core capital (leverage) ratio | 11.6567% | 1,994 |
| Tier 1 risk-based capital ratio | 14.7225% | 2,893 |
| Total risk-based capital ratio | 15.9737% | 2,821 |
| Memoranda: | ||
| Average total assets | $364,856,600 | 1,861 |
| Average earning assets | $331,245,200 | 1,874 |
| Average equity | $42,426,000 | 1,837 |
| Average total loans | $270,793,200 | 1,726 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3629% | 759 |
| Cost of funding earning assets | 1.1372% | 1,218 |
| Net interest margin | 4.2257% | 1,315 |
| Noninterest income to average assets | 0.1322% | 4,870 |
| Noninterest expense to average assets | 1.9030% | 4,695 |
| Loan and lease loss provision to assets | 1.0877% | 84 |
| Net operating income to assets | 0.7982% | 3,681 |
| Return on assets (ROA) | 0.7982% | 3,754 |
| Pretax return on assets | 1.0023% | 3,594 |
| Return on Equity (ROE) | 6.8890% | 3,725 |
| Retained earnings to average equity (ytd only) | -10.4526% | 5,148 |
| Net charge-offs to loans | 2.1666% | 53 |
| Credit loss provision to net charge-offs | 67.5920% | 2,644 |
| Earnings coverage of net charge-offs (x) | 1.2988% | 3,310 |
| Efficiency ratio | 47.6580% | 4,872 |
| Assets per employee ($millions) | 8.3750% | 604 |
| Cash dividends to net income (ytd only)* | 251.7292% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 2,458 |
| Loan loss allowance to noncurrent loans | 147.1920% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 1.5713% | 674 |
| Noncurrent loans to loans | 0.8221% | 1,921 |
| Net loans and leases to total assets | 78.4765% | 1,059 |
| Net loans and leases to deposits | 89.0553% | 1,804 |
| Net loans and leases to core deposits | 93.8490% | 2,189 |
| Total domestic deposits to total assets | 88.1211% | 984 |
| Equity capital to assets | 11.6597% | 2,550 |
| Core capital (leverage) ratio | 11.2824% | 2,396 |
| Tier 1 risk-based capital ratio | 13.8132% | 3,418 |
| Total risk-based capital ratio | 14.9750% | 3,371 |
| Memoranda: | ||
| Average total assets | $367,131,750 | 1,871 |
| Average earning assets | $335,430,000 | 1,876 |
| Average equity | $42,540,250 | 1,840 |
| Average total loans | $272,679,000 | 1,734 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2299% | 926 |
| Cost of funding earning assets | 1.1369% | 1,175 |
| Net interest margin | 4.0931% | 1,629 |
| Noninterest income to average assets | 0.1365% | 4,887 |
| Noninterest expense to average assets | 1.8197% | 4,855 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5983% | 915 |
| Return on assets (ROA) | 1.5983% | 962 |
| Pretax return on assets | 2.0674% | 596 |
| Return on Equity (ROE) | 13.8214% | 1,019 |
| Retained earnings to average equity (ytd only) | -1.9745% | 4,905 |
| Net charge-offs to loans | 0.0030% | 3,062 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 962.0000% | 71 |
| Efficiency ratio | 46.8141% | 4,951 |
| Assets per employee ($millions) | 7.9555% | 684 |
| Cash dividends to net income (ytd only)* | 114.2857% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7264% | 775 |
| Loan loss allowance to noncurrent loans | 85.0955% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.5799% | 691 |
| Noncurrent loans to loans | 2.0288% | 696 |
| Net loans and leases to total assets | 76.5308% | 1,462 |
| Net loans and leases to deposits | 87.5656% | 2,054 |
| Net loans and leases to core deposits | 91.7265% | 2,437 |
| Total domestic deposits to total assets | 87.3982% | 1,386 |
| Equity capital to assets | 12.2102% | 2,048 |
| Core capital (leverage) ratio | 11.8504% | 1,917 |
| Tier 1 risk-based capital ratio | 14.9591% | 2,863 |
| Total risk-based capital ratio | 16.2142% | 2,779 |
| Memoranda: | ||
| Average total assets | $372,259,000 | 1,859 |
| Average earning assets | $341,114,000 | 1,861 |
| Average equity | $43,049,330 | 1,830 |
| Average total loans | $270,431,330 | 1,752 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1502% | 1,002 |
| Cost of funding earning assets | 1.1541% | 1,032 |
| Net interest margin | 3.9961% | 1,861 |
| Noninterest income to average assets | 0.1286% | 4,960 |
| Noninterest expense to average assets | 1.7934% | 4,931 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5108% | 1,087 |
| Return on assets (ROA) | 1.5108% | 1,116 |
| Pretax return on assets | 1.9347% | 736 |
| Return on Equity (ROE) | 13.4182% | 1,106 |
| Retained earnings to average equity (ytd only) | -18.4185% | 5,244 |
| Net charge-offs to loans | -0.0105% | 4,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1052% | 4,939 |
| Assets per employee ($millions) | 8.2716% | 607 |
| Cash dividends to net income (ytd only)* | 237.2645% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8545% | 638 |
| Loan loss allowance to noncurrent loans | 75.8610% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.7084% | 643 |
| Noncurrent loans to loans | 2.4446% | 544 |
| Net loans and leases to total assets | 68.5894% | 2,680 |
| Net loans and leases to deposits | 77.7250% | 3,092 |
| Net loans and leases to core deposits | 81.7627% | 3,201 |
| Total domestic deposits to total assets | 88.2463% | 1,217 |
| Equity capital to assets | 11.2591% | 2,596 |
| Core capital (leverage) ratio | 10.8617% | 2,711 |
| Tier 1 risk-based capital ratio | 15.0443% | 2,874 |
| Total risk-based capital ratio | 16.3003% | 2,787 |
| Memoranda: | ||
| Average total assets | $379,390,000 | 1,841 |
| Average earning assets | $341,734,500 | 1,878 |
| Average equity | $42,718,000 | 1,829 |
| Average total loans | $266,251,500 | 1,778 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2896% | 593 |
| Cost of funding earning assets | 0.8708% | 1,217 |
| Net interest margin | 4.4188% | 896 |
| Noninterest income to average assets | 0.1443% | 4,990 |
| Noninterest expense to average assets | 1.8896% | 4,908 |
| Loan and lease loss provision to assets | 1.1108% | 72 |
| Net operating income to assets | 0.9506% | 3,230 |
| Return on assets (ROA) | 0.9506% | 3,226 |
| Pretax return on assets | 1.1845% | 2,940 |
| Return on Equity (ROE) | 8.7399% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.9089% | 1,280 |
| Net charge-offs to loans | 0.8908% | 170 |
| Credit loss provision to net charge-offs | 160.5305% | 1,732 |
| Earnings coverage of net charge-offs (x) | 3.3171% | 3,424 |
| Efficiency ratio | 45.1519% | 5,145 |
| Assets per employee ($millions) | 8.5902% | 536 |
| Cash dividends to net income (ytd only)* | 9.5085% | 3,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7685% | 724 |
| Loan loss allowance to noncurrent loans | 82.7095% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.5066% | 782 |
| Noncurrent loans to loans | 2.1382% | 614 |
| Net loans and leases to total assets | 69.2152% | 2,705 |
| Net loans and leases to deposits | 78.3313% | 3,129 |
| Net loans and leases to core deposits | 81.8252% | 3,278 |
| Total domestic deposits to total assets | 88.3622% | 1,130 |
| Equity capital to assets | 11.2601% | 2,464 |
| Core capital (leverage) ratio | 11.7071% | 1,946 |
| Tier 1 risk-based capital ratio | 14.8541% | 2,903 |
| Total risk-based capital ratio | 16.1088% | 2,831 |
| Memoranda: | ||
| Average total assets | $359,550,200 | 1,879 |
| Average earning assets | $328,775,800 | 1,897 |
| Average equity | $39,107,800 | 1,902 |
| Average total loans | $279,290,400 | 1,679 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2403% | 576 |
| Cost of funding earning assets | 0.8124% | 1,275 |
| Net interest margin | 4.4279% | 852 |
| Noninterest income to average assets | 0.1485% | 5,033 |
| Noninterest expense to average assets | 1.8469% | 4,984 |
| Loan and lease loss provision to assets | 1.4527% | 52 |
| Net operating income to assets | 0.7566% | 4,055 |
| Return on assets (ROA) | 0.7566% | 4,064 |
| Pretax return on assets | 0.9437% | 3,890 |
| Return on Equity (ROE) | 7.0238% | 3,922 |
| Retained earnings to average equity (ytd only) | 5.8836% | 2,715 |
| Net charge-offs to loans | 1.1838% | 113 |
| Credit loss provision to net charge-offs | 154.0681% | 1,667 |
| Earnings coverage of net charge-offs (x) | 2.5415% | 3,235 |
| Efficiency ratio | 43.5251% | 5,231 |
| Assets per employee ($millions) | 8.2298% | 595 |
| Cash dividends to net income (ytd only)* | 16.2337% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 946 |
| Loan loss allowance to noncurrent loans | 78.9964% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.6291% | 765 |
| Noncurrent loans to loans | 2.1017% | 684 |
| Net loans and leases to total assets | 76.2262% | 1,630 |
| Net loans and leases to deposits | 86.4349% | 2,328 |
| Net loans and leases to core deposits | 90.8559% | 2,576 |
| Total domestic deposits to total assets | 88.1892% | 1,157 |
| Equity capital to assets | 11.5979% | 2,180 |
| Core capital (leverage) ratio | 11.7457% | 1,971 |
| Tier 1 risk-based capital ratio | 14.2686% | 3,232 |
| Total risk-based capital ratio | 15.5224% | 3,144 |
| Memoranda: | ||
| Average total assets | $352,798,250 | 1,918 |
| Average earning assets | $326,258,500 | 1,916 |
| Average equity | $38,003,000 | 1,943 |
| Average total loans | $281,019,500 | 1,683 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2087% | 546 |
| Cost of funding earning assets | 0.7459% | 1,388 |
| Net interest margin | 4.4627% | 744 |
| Noninterest income to average assets | 0.1516% | 5,063 |
| Noninterest expense to average assets | 1.8799% | 4,984 |
| Loan and lease loss provision to assets | 2.1985% | 29 |
| Net operating income to assets | 0.2025% | 5,227 |
| Return on assets (ROA) | 0.2025% | 5,220 |
| Pretax return on assets | 0.2065% | 5,234 |
| Return on Equity (ROE) | 1.9306% | 5,181 |
| Retained earnings to average equity (ytd only) | 0.1582% | 4,927 |
| Net charge-offs to loans | 1.7785% | 64 |
| Credit loss provision to net charge-offs | 153.7600% | 1,556 |
| Earnings coverage of net charge-offs (x) | 1.6820% | 3,039 |
| Efficiency ratio | 43.8735% | 5,287 |
| Assets per employee ($millions) | 7.9384% | 637 |
| Cash dividends to net income (ytd only)* | 91.8079% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6677% | 963 |
| Loan loss allowance to noncurrent loans | 108.6601% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 1.2265% | 1,170 |
| Noncurrent loans to loans | 1.5348% | 1,085 |
| Net loans and leases to total assets | 78.5805% | 1,232 |
| Net loans and leases to deposits | 89.1138% | 1,960 |
| Net loans and leases to core deposits | 95.0217% | 2,141 |
| Total domestic deposits to total assets | 88.1800% | 1,284 |
| Equity capital to assets | 11.6156% | 2,112 |
| Core capital (leverage) ratio | 11.5306% | 2,045 |
| Tier 1 risk-based capital ratio | 13.8418% | 3,439 |
| Total risk-based capital ratio | 15.0960% | 3,348 |
| Memoranda: | ||
| Average total assets | $349,694,670 | 1,939 |
| Average earning assets | $323,883,330 | 1,931 |
| Average equity | $36,671,670 | 2,003 |
| Average total loans | $281,132,000 | 1,684 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1638% | 528 |
| Cost of funding earning assets | 0.7042% | 1,418 |
| Net interest margin | 4.4597% | 669 |
| Noninterest income to average assets | 0.1528% | 5,102 |
| Noninterest expense to average assets | 1.9242% | 4,984 |
| Loan and lease loss provision to assets | 2.1020% | 32 |
| Net operating income to assets | 0.1243% | 5,312 |
| Return on assets (ROA) | 0.1243% | 5,308 |
| Pretax return on assets | 0.2417% | 5,223 |
| Return on Equity (ROE) | 1.2205% | 5,289 |
| Retained earnings to average equity (ytd only) | -2.4186% | 5,044 |
| Net charge-offs to loans | 2.6653% | 39 |
| Credit loss provision to net charge-offs | 97.9809% | 1,614 |
| Earnings coverage of net charge-offs (x) | 1.0925% | 2,591 |
| Efficiency ratio | 45.0855% | 5,313 |
| Assets per employee ($millions) | 7.9279% | 637 |
| Cash dividends to net income (ytd only)* | 298.1651% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,803 |
| Loan loss allowance to noncurrent loans | 114.8824% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.8202% | 1,924 |
| Noncurrent loans to loans | 1.0444% | 1,752 |
| Net loans and leases to total assets | 77.2613% | 1,349 |
| Net loans and leases to deposits | 86.4578% | 2,105 |
| Net loans and leases to core deposits | 91.1797% | 2,362 |
| Total domestic deposits to total assets | 89.3630% | 936 |
| Equity capital to assets | 10.1663% | 3,432 |
| Core capital (leverage) ratio | 10.1062% | 3,419 |
| Tier 1 risk-based capital ratio | 11.8317% | 4,663 |
| Total risk-based capital ratio | 12.9311% | 4,643 |
| Memoranda: | ||
| Average total assets | $350,898,000 | 1,948 |
| Average earning assets | $323,790,500 | 1,949 |
| Average equity | $35,722,500 | 2,062 |
| Average total loans | $282,445,000 | 1,687 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3363% | 344 |
| Cost of funding earning assets | 0.5809% | 1,734 |
| Net interest margin | 4.7555% | 382 |
| Noninterest income to average assets | 0.1414% | 5,242 |
| Noninterest expense to average assets | 1.9812% | 4,990 |
| Loan and lease loss provision to assets | 0.0727% | 2,754 |
| Net operating income to assets | 1.5626% | 699 |
| Return on assets (ROA) | 1.5616% | 715 |
| Pretax return on assets | 2.4762% | 182 |
| Return on Equity (ROE) | 15.3624% | 566 |
| Retained earnings to average equity (ytd only) | 3.0084% | 3,498 |
| Net charge-offs to loans | 0.1147% | 1,902 |
| Credit loss provision to net charge-offs | 77.8816% | 2,977 |
| Earnings coverage of net charge-offs (x) | 27.3053% | 1,640 |
| Efficiency ratio | 43.7203% | 5,460 |
| Assets per employee ($millions) | 8.0220% | 636 |
| Cash dividends to net income (ytd only)* | 80.4174% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 3,163 |
| Loan loss allowance to noncurrent loans | 165,550.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 5,179 |
| Noncurrent loans to loans | 0.0007% | 5,077 |
| Net loans and leases to total assets | 81.8196% | 702 |
| Net loans and leases to deposits | 93.9422% | 1,280 |
| Net loans and leases to core deposits | 99.1275% | 1,779 |
| Total domestic deposits to total assets | 87.0957% | 1,945 |
| Equity capital to assets | 10.1941% | 3,497 |
| Core capital (leverage) ratio | 9.8352% | 3,657 |
| Tier 1 risk-based capital ratio | 11.5288% | 4,836 |
| Total risk-based capital ratio | 12.6058% | 4,823 |
| Memoranda: | ||
| Average total assets | $343,676,600 | 1,946 |
| Average earning assets | $317,277,600 | 1,951 |
| Average equity | $34,936,000 | 2,087 |
| Average total loans | $279,875,200 | 1,658 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2871% | 349 |
| Cost of funding earning assets | 0.5387% | 1,964 |
| Net interest margin | 4.7484% | 377 |
| Noninterest income to average assets | 0.1473% | 5,272 |
| Noninterest expense to average assets | 1.8338% | 5,228 |
| Loan and lease loss provision to assets | 0.0586% | 2,909 |
| Net operating income to assets | 1.7410% | 535 |
| Return on assets (ROA) | 1.7397% | 550 |
| Pretax return on assets | 2.6256% | 175 |
| Return on Equity (ROE) | 17.1265% | 407 |
| Retained earnings to average equity (ytd only) | 0.5306% | 5,104 |
| Net charge-offs to loans | 0.0096% | 3,385 |
| Credit loss provision to net charge-offs | 750.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 343.7983% | 273 |
| Efficiency ratio | 40.5721% | 5,568 |
| Assets per employee ($millions) | 8.1926% | 590 |
| Cash dividends to net income (ytd only)* | 96.9016% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 2,939 |
| Loan loss allowance to noncurrent loans | 117,066.6667% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 5,246 |
| Noncurrent loans to loans | 0.0010% | 5,165 |
| Net loans and leases to total assets | 80.2604% | 948 |
| Net loans and leases to deposits | 97.9819% | 918 |
| Net loans and leases to core deposits | 104.0746% | 1,385 |
| Total domestic deposits to total assets | 81.9135% | 3,806 |
| Equity capital to assets | 9.8091% | 4,136 |
| Core capital (leverage) ratio | 9.8293% | 3,784 |
| Tier 1 risk-based capital ratio | 11.2133% | 5,125 |
| Total risk-based capital ratio | 12.3508% | 5,079 |
| Memoranda: | ||
| Average total assets | $341,353,750 | 1,974 |
| Average earning assets | $314,344,250 | 1,980 |
| Average equity | $34,674,500 | 2,112 |
| Average total loans | $276,817,000 | 1,680 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1931% | 398 |
| Cost of funding earning assets | 0.4662% | 2,448 |
| Net interest margin | 4.7269% | 374 |
| Noninterest income to average assets | 0.1678% | 5,219 |
| Noninterest expense to average assets | 1.8598% | 5,242 |
| Loan and lease loss provision to assets | 0.0448% | 3,096 |
| Net operating income to assets | 1.7510% | 503 |
| Return on assets (ROA) | 1.7482% | 514 |
| Pretax return on assets | 2.6234% | 172 |
| Return on Equity (ROE) | 17.0004% | 409 |
| Retained earnings to average equity (ytd only) | -8.0589% | 5,613 |
| Net charge-offs to loans | 0.0125% | 3,015 |
| Credit loss provision to net charge-offs | 441.1765% | 728 |
| Earnings coverage of net charge-offs (x) | 263.2941% | 324 |
| Efficiency ratio | 41.0354% | 5,601 |
| Assets per employee ($millions) | 7.7940% | 670 |
| Cash dividends to net income (ytd only)* | 147.4044% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 2,965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 5,295 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 81.9677% | 668 |
| Net loans and leases to deposits | 100.4115% | 709 |
| Net loans and leases to core deposits | 106.2331% | 1,217 |
| Total domestic deposits to total assets | 81.6318% | 4,004 |
| Equity capital to assets | 9.8993% | 4,033 |
| Core capital (leverage) ratio | 10.0154% | 3,519 |
| Tier 1 risk-based capital ratio | 11.0690% | 5,216 |
| Total risk-based capital ratio | 12.2195% | 5,169 |
| Memoranda: | ||
| Average total assets | $334,980,670 | 2,002 |
| Average earning assets | $309,295,000 | 2,006 |
| Average equity | $34,446,330 | 2,118 |
| Average total loans | $271,479,670 | 1,713 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1116% | 435 |
| Cost of funding earning assets | 0.4371% | 2,645 |
| Net interest margin | 4.6745% | 388 |
| Noninterest income to average assets | 0.1740% | 5,236 |
| Noninterest expense to average assets | 1.9287% | 5,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7666% | 477 |
| Return on assets (ROA) | 1.7607% | 498 |
| Pretax return on assets | 2.5148% | 210 |
| Return on Equity (ROE) | 16.7976% | 433 |
| Retained earnings to average equity (ytd only) | -12.1860% | 5,623 |
| Net charge-offs to loans | 0.0317% | 2,134 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 99.4286% | 535 |
| Efficiency ratio | 43.3225% | 5,617 |
| Assets per employee ($millions) | 7.3414% | 807 |
| Cash dividends to net income (ytd only)* | 172.5463% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 2,642 |
| Loan loss allowance to noncurrent loans | 3,693.4066% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 5,189 |
| Noncurrent loans to loans | 0.0346% | 5,063 |
| Net loans and leases to total assets | 80.3634% | 790 |
| Net loans and leases to deposits | 90.3686% | 1,495 |
| Net loans and leases to core deposits | 94.1427% | 1,978 |
| Total domestic deposits to total assets | 88.9285% | 1,176 |
| Equity capital to assets | 10.5910% | 3,075 |
| Core capital (leverage) ratio | 10.1778% | 3,264 |
| Tier 1 risk-based capital ratio | 11.9429% | 4,755 |
| Total risk-based capital ratio | 13.1438% | 4,690 |
| Memoranda: | ||
| Average total assets | $331,003,500 | 2,038 |
| Average earning assets | $302,921,000 | 2,055 |
| Average equity | $34,695,500 | 2,096 |
| Average total loans | $264,951,500 | 1,755 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1632% | 442 |
| Cost of funding earning assets | 0.3814% | 3,186 |
| Net interest margin | 4.7818% | 362 |
| Noninterest income to average assets | 0.1169% | 5,594 |
| Noninterest expense to average assets | 1.8957% | 5,370 |
| Loan and lease loss provision to assets | 0.2537% | 821 |
| Net operating income to assets | 1.7090% | 534 |
| Return on assets (ROA) | 1.7088% | 561 |
| Pretax return on assets | 2.3774% | 242 |
| Return on Equity (ROE) | 17.0793% | 397 |
| Retained earnings to average equity (ytd only) | 17.0793% | 72 |
| Net charge-offs to loans | 0.1376% | 1,876 |
| Credit loss provision to net charge-offs | 230.9392% | 1,249 |
| Earnings coverage of net charge-offs (x) | 23.9503% | 1,660 |
| Efficiency ratio | 41.8745% | 5,751 |
| Assets per employee ($millions) | 7.5330% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,722 |
| Loan loss allowance to noncurrent loans | 4,901.4493% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 5,308 |
| Noncurrent loans to loans | 0.0258% | 5,161 |
| Net loans and leases to total assets | 77.7522% | 1,238 |
| Net loans and leases to deposits | 87.0353% | 2,045 |
| Net loans and leases to core deposits | 90.4722% | 2,458 |
| Total domestic deposits to total assets | 89.3341% | 931 |
| Equity capital to assets | 10.3780% | 3,297 |
| Core capital (leverage) ratio | 10.0769% | 3,396 |
| Tier 1 risk-based capital ratio | 12.1932% | 4,582 |
| Total risk-based capital ratio | 13.3890% | 4,505 |
| Memoranda: | ||
| Average total assets | $329,477,800 | 2,005 |
| Average earning assets | $303,880,200 | 2,016 |
| Average equity | $32,963,800 | 2,183 |
| Average total loans | $262,993,600 | 1,713 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1293% | 470 |
| Cost of funding earning assets | 0.3646% | 3,387 |
| Net interest margin | 4.7647% | 386 |
| Noninterest income to average assets | 0.1048% | 5,692 |
| Noninterest expense to average assets | 1.7621% | 5,563 |
| Loan and lease loss provision to assets | 0.1166% | 1,981 |
| Net operating income to assets | 1.8946% | 404 |
| Return on assets (ROA) | 1.8946% | 426 |
| Pretax return on assets | 2.6474% | 179 |
| Return on Equity (ROE) | 19.1213% | 288 |
| Retained earnings to average equity (ytd only) | 19.1213% | 64 |
| Net charge-offs to loans | -0.0321% | 5,189 |
| Credit loss provision to net charge-offs | -453.9683% | 5,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9319% | 5,849 |
| Assets per employee ($millions) | 8.0716% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 3,192 |
| Loan loss allowance to noncurrent loans | 40,712.5000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 5,538 |
| Noncurrent loans to loans | 0.0030% | 5,412 |
| Net loans and leases to total assets | 78.6124% | 1,096 |
| Net loans and leases to deposits | 97.1798% | 935 |
| Net loans and leases to core deposits | 101.6008% | 1,510 |
| Total domestic deposits to total assets | 80.8937% | 4,269 |
| Equity capital to assets | 10.2637% | 3,839 |
| Core capital (leverage) ratio | 9.9935% | 3,579 |
| Tier 1 risk-based capital ratio | 11.7483% | 4,951 |
| Total risk-based capital ratio | 12.8904% | 4,922 |
| Memoranda: | ||
| Average total assets | $327,100,500 | 2,025 |
| Average earning assets | $303,529,750 | 2,023 |
| Average equity | $32,409,750 | 2,219 |
| Average total loans | $262,004,000 | 1,727 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0706% | 513 |
| Cost of funding earning assets | 0.3447% | 3,624 |
| Net interest margin | 4.7259% | 407 |
| Noninterest income to average assets | 0.0984% | 5,786 |
| Noninterest expense to average assets | 1.8030% | 5,593 |
| Loan and lease loss provision to assets | 0.1300% | 1,761 |
| Net operating income to assets | 1.8550% | 437 |
| Return on assets (ROA) | 1.8550% | 459 |
| Pretax return on assets | 2.5692% | 199 |
| Return on Equity (ROE) | 18.9596% | 301 |
| Retained earnings to average equity (ytd only) | 18.9596% | 70 |
| Net charge-offs to loans | 0.0062% | 3,473 |
| Credit loss provision to net charge-offs | 2,625.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 545.1250% | 124 |
| Efficiency ratio | 40.0467% | 5,907 |
| Assets per employee ($millions) | 7.8648% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 3,558 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 4,992 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 79.9215% | 925 |
| Net loans and leases to deposits | 98.9279% | 793 |
| Net loans and leases to core deposits | 104.0702% | 1,315 |
| Total domestic deposits to total assets | 80.7876% | 4,335 |
| Equity capital to assets | 10.0850% | 4,118 |
| Core capital (leverage) ratio | 10.0678% | 3,491 |
| Tier 1 risk-based capital ratio | 11.3493% | 5,247 |
| Total risk-based capital ratio | 12.4576% | 5,227 |
| Memoranda: | ||
| Average total assets | $323,131,000 | 2,056 |
| Average earning assets | $301,106,330 | 2,051 |
| Average equity | $31,614,670 | 2,265 |
| Average total loans | $259,418,670 | 1,741 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1063% | 492 |
| Cost of funding earning assets | 0.3445% | 3,666 |
| Net interest margin | 4.7618% | 386 |
| Noninterest income to average assets | 0.0901% | 5,852 |
| Noninterest expense to average assets | 1.8527% | 5,585 |
| Loan and lease loss provision to assets | 0.1878% | 1,057 |
| Net operating income to assets | 1.7576% | 505 |
| Return on assets (ROA) | 1.7576% | 542 |
| Pretax return on assets | 2.4799% | 245 |
| Return on Equity (ROE) | 18.2542% | 336 |
| Retained earnings to average equity (ytd only) | 18.2542% | 126 |
| Net charge-offs to loans | 0.0157% | 2,624 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 213.1000% | 287 |
| Efficiency ratio | 40.9859% | 5,943 |
| Assets per employee ($millions) | 7.9043% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 3,400 |
| Loan loss allowance to noncurrent loans | 304,800.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 4,744 |
| Noncurrent loans to loans | 0.0004% | 5,541 |
| Net loans and leases to total assets | 78.4737% | 1,029 |
| Net loans and leases to deposits | 87.6587% | 1,867 |
| Net loans and leases to core deposits | 92.0242% | 2,178 |
| Total domestic deposits to total assets | 89.5218% | 824 |
| Equity capital to assets | 9.9630% | 4,125 |
| Core capital (leverage) ratio | 9.4271% | 4,315 |
| Tier 1 risk-based capital ratio | 11.3715% | 5,295 |
| Total risk-based capital ratio | 12.5171% | 5,265 |
| Memoranda: | ||
| Average total assets | $319,535,000 | 2,087 |
| Average earning assets | $297,282,500 | 2,073 |
| Average equity | $30,765,500 | 2,318 |
| Average total loans | $255,573,500 | 1,761 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1597% | 458 |
| Cost of funding earning assets | 0.3199% | 4,031 |
| Net interest margin | 4.8398% | 338 |
| Noninterest income to average assets | 0.1820% | 5,499 |
| Noninterest expense to average assets | 2.2299% | 4,979 |
| Loan and lease loss provision to assets | 0.0206% | 3,984 |
| Net operating income to assets | 2.2925% | 213 |
| Return on assets (ROA) | 2.2886% | 218 |
| Pretax return on assets | 2.4443% | 227 |
| Return on Equity (ROE) | 24.6706% | 109 |
| Retained earnings to average equity (ytd only) | 3.5542% | 3,532 |
| Net charge-offs to loans | -0.1505% | 5,896 |
| Credit loss provision to net charge-offs | -17.2414% | 4,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4549% | 5,862 |
| Assets per employee ($millions) | 7.8756% | 595 |
| Cash dividends to net income (ytd only)* | 85.5933% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 3,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 4,795 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 79.6162% | 897 |
| Net loans and leases to deposits | 92.8704% | 1,318 |
| Net loans and leases to core deposits | 97.4168% | 1,720 |
| Total domestic deposits to total assets | 85.7284% | 2,764 |
| Equity capital to assets | 9.3004% | 4,794 |
| Core capital (leverage) ratio | 8.7455% | 5,170 |
| Tier 1 risk-based capital ratio | 10.5455% | 5,753 |
| Total risk-based capital ratio | 11.6083% | 5,762 |
| Memoranda: | ||
| Average total assets | $314,819,200 | 2,068 |
| Average earning assets | $293,815,600 | 2,054 |
| Average equity | $29,204,800 | 2,377 |
| Average total loans | $250,511,400 | 1,724 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1365% | 482 |
| Cost of funding earning assets | 0.3120% | 4,199 |
| Net interest margin | 4.8245% | 360 |
| Noninterest income to average assets | 0.1871% | 5,541 |
| Noninterest expense to average assets | 2.1445% | 5,186 |
| Loan and lease loss provision to assets | -0.0682% | 5,952 |
| Net operating income to assets | 2.2413% | 239 |
| Return on assets (ROA) | 2.2365% | 254 |
| Pretax return on assets | 2.6065% | 206 |
| Return on Equity (ROE) | 23.9741% | 133 |
| Retained earnings to average equity (ytd only) | -4.2036% | 6,003 |
| Net charge-offs to loans | -0.2880% | 6,076 |
| Credit loss provision to net charge-offs | 29.8507% | 3,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7405% | 5,972 |
| Assets per employee ($millions) | 7.9481% | 553 |
| Cash dividends to net income (ytd only)* | 117.5337% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 4,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 4,766 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 79.8446% | 843 |
| Net loans and leases to deposits | 96.7282% | 936 |
| Net loans and leases to core deposits | 101.3690% | 1,421 |
| Total domestic deposits to total assets | 82.5453% | 3,970 |
| Equity capital to assets | 8.8427% | 5,447 |
| Core capital (leverage) ratio | 8.2649% | 5,737 |
| Tier 1 risk-based capital ratio | 9.6283% | 6,122 |
| Total risk-based capital ratio | 10.6458% | 6,139 |
| Memoranda: | ||
| Average total assets | $312,799,250 | 2,090 |
| Average earning assets | $291,836,000 | 2,080 |
| Average equity | $29,180,750 | 2,394 |
| Average total loans | $248,142,250 | 1,751 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0964% | 507 |
| Cost of funding earning assets | 0.2982% | 4,415 |
| Net interest margin | 4.7982% | 368 |
| Noninterest income to average assets | 0.1835% | 5,594 |
| Noninterest expense to average assets | 2.3687% | 4,661 |
| Loan and lease loss provision to assets | -0.2334% | 6,199 |
| Net operating income to assets | 2.3799% | 200 |
| Return on assets (ROA) | 2.3706% | 212 |
| Pretax return on assets | 2.5036% | 251 |
| Return on Equity (ROE) | 24.9536% | 122 |
| Retained earnings to average equity (ytd only) | -17.1386% | 6,249 |
| Net charge-offs to loans | -0.4359% | 6,179 |
| Credit loss provision to net charge-offs | 67.9245% | 2,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9555% | 5,805 |
| Assets per employee ($millions) | 7.5928% | 643 |
| Cash dividends to net income (ytd only)* | 168.6816% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 4,561 |
| Loan loss allowance to noncurrent loans | 682.9016% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 4,825 |
| Noncurrent loans to loans | 0.1548% | 5,132 |
| Net loans and leases to total assets | 79.2353% | 907 |
| Net loans and leases to deposits | 101.8440% | 557 |
| Net loans and leases to core deposits | 107.7800% | 969 |
| Total domestic deposits to total assets | 77.8007% | 5,315 |
| Equity capital to assets | 8.6703% | 5,548 |
| Core capital (leverage) ratio | 8.3089% | 5,709 |
| Tier 1 risk-based capital ratio | 9.4962% | 6,204 |
| Total risk-based capital ratio | 10.4855% | 6,214 |
| Memoranda: | ||
| Average total assets | $308,441,330 | 2,133 |
| Average earning assets | $287,024,670 | 2,119 |
| Average equity | $29,302,330 | 2,397 |
| Average total loans | $243,178,330 | 1,788 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0923% | 487 |
| Cost of funding earning assets | 0.2936% | 4,512 |
| Net interest margin | 4.7986% | 353 |
| Noninterest income to average assets | 0.1967% | 5,536 |
| Noninterest expense to average assets | 2.7139% | 3,537 |
| Loan and lease loss provision to assets | -0.5993% | 6,357 |
| Net operating income to assets | 2.5107% | 152 |
| Return on assets (ROA) | 2.4911% | 167 |
| Pretax return on assets | 2.4911% | 243 |
| Return on Equity (ROE) | 25.1100% | 101 |
| Retained earnings to average equity (ytd only) | 13.2904% | 417 |
| Net charge-offs to loans | -0.8762% | 6,307 |
| Credit loss provision to net charge-offs | 87.4525% | 1,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6761% | 5,259 |
| Assets per employee ($millions) | 6.8119% | 936 |
| Cash dividends to net income (ytd only)* | 47.0711% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 4,634 |
| Loan loss allowance to noncurrent loans | 657.6623% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 4,889 |
| Noncurrent loans to loans | 0.1636% | 5,186 |
| Net loans and leases to total assets | 75.9471% | 1,216 |
| Net loans and leases to deposits | 87.6575% | 1,654 |
| Net loans and leases to core deposits | 92.3232% | 1,917 |
| Total domestic deposits to total assets | 86.6408% | 2,580 |
| Equity capital to assets | 10.1322% | 3,970 |
| Core capital (leverage) ratio | 9.4838% | 4,302 |
| Tier 1 risk-based capital ratio | 11.6342% | 5,479 |
| Total risk-based capital ratio | 12.6560% | 5,514 |
| Memoranda: | ||
| Average total assets | $307,010,500 | 2,150 |
| Average earning assets | $283,330,500 | 2,153 |
| Average equity | $30,458,000 | 2,322 |
| Average total loans | $240,118,500 | 1,814 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3536% | 411 |
| Cost of funding earning assets | 0.3009% | 4,790 |
| Net interest margin | 5.0527% | 275 |
| Noninterest income to average assets | 0.4879% | 3,600 |
| Noninterest expense to average assets | 2.2354% | 5,272 |
| Loan and lease loss provision to assets | 0.2195% | 1,119 |
| Net operating income to assets | 2.7266% | 117 |
| Return on assets (ROA) | 2.7317% | 115 |
| Pretax return on assets | 2.7381% | 147 |
| Return on Equity (ROE) | 29.7481% | 60 |
| Retained earnings to average equity (ytd only) | 12.0448% | 295 |
| Net charge-offs to loans | 0.4081% | 1,049 |
| Credit loss provision to net charge-offs | 67.5676% | 3,122 |
| Earnings coverage of net charge-offs (x) | 9.0904% | 2,798 |
| Efficiency ratio | 43.0886% | 6,346 |
| Assets per employee ($millions) | 6.8330% | 913 |
| Cash dividends to net income (ytd only)* | 59.5106% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 5,005 |
| Loan loss allowance to noncurrent loans | 246,600.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.1987% | 5,231 |
| Noncurrent loans to loans | 0.0004% | 5,948 |
| Net loans and leases to total assets | 78.8441% | 899 |
| Net loans and leases to deposits | 93.3382% | 1,146 |
| Net loans and leases to core deposits | 98.5456% | 1,509 |
| Total domestic deposits to total assets | 84.4714% | 3,520 |
| Equity capital to assets | 9.7101% | 4,455 |
| Core capital (leverage) ratio | 8.9348% | 5,080 |
| Tier 1 risk-based capital ratio | 11.5111% | 5,655 |
| Total risk-based capital ratio | 12.5317% | 5,696 |
| Memoranda: | ||
| Average total assets | $296,189,000 | 2,176 |
| Average earning assets | $275,516,000 | 2,160 |
| Average equity | $27,198,400 | 2,472 |
| Average total loans | $235,724,600 | 1,787 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3332% | 422 |
| Cost of funding earning assets | 0.2939% | 4,937 |
| Net interest margin | 5.0393% | 276 |
| Noninterest income to average assets | 0.5663% | 3,091 |
| Noninterest expense to average assets | 2.0675% | 5,644 |
| Loan and lease loss provision to assets | 0.2727% | 765 |
| Net operating income to assets | 2.9087% | 100 |
| Return on assets (ROA) | 2.9146% | 100 |
| Pretax return on assets | 2.9232% | 125 |
| Return on Equity (ROE) | 32.2248% | 45 |
| Retained earnings to average equity (ytd only) | 8.0298% | 1,346 |
| Net charge-offs to loans | 0.4335% | 916 |
| Credit loss provision to net charge-offs | 79.0514% | 2,613 |
| Earnings coverage of net charge-offs (x) | 9.2477% | 2,695 |
| Efficiency ratio | 39.3240% | 6,466 |
| Assets per employee ($millions) | 6.6445% | 948 |
| Cash dividends to net income (ytd only)* | 75.0819% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 4,869 |
| Loan loss allowance to noncurrent loans | 5,135.2941% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 5,051 |
| Noncurrent loans to loans | 0.0209% | 5,941 |
| Net loans and leases to total assets | 79.1305% | 820 |
| Net loans and leases to deposits | 95.8066% | 897 |
| Net loans and leases to core deposits | 101.4160% | 1,253 |
| Total domestic deposits to total assets | 82.5940% | 4,270 |
| Equity capital to assets | 9.2450% | 5,090 |
| Core capital (leverage) ratio | 8.6853% | 5,457 |
| Tier 1 risk-based capital ratio | 10.8229% | 6,082 |
| Total risk-based capital ratio | 11.9073% | 6,102 |
| Memoranda: | ||
| Average total assets | $293,365,250 | 2,209 |
| Average earning assets | $273,101,500 | 2,189 |
| Average equity | $26,533,750 | 2,529 |
| Average total loans | $233,431,000 | 1,808 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3427% | 407 |
| Cost of funding earning assets | 0.2854% | 5,126 |
| Net interest margin | 5.0572% | 256 |
| Noninterest income to average assets | 0.2945% | 5,062 |
| Noninterest expense to average assets | 2.0873% | 5,651 |
| Loan and lease loss provision to assets | 0.1728% | 1,419 |
| Net operating income to assets | 2.7372% | 110 |
| Return on assets (ROA) | 2.7372% | 112 |
| Pretax return on assets | 2.7504% | 150 |
| Return on Equity (ROE) | 30.5016% | 56 |
| Retained earnings to average equity (ytd only) | -0.3544% | 5,743 |
| Net charge-offs to loans | 0.1410% | 2,258 |
| Credit loss provision to net charge-offs | 154.3210% | 1,433 |
| Earnings coverage of net charge-offs (x) | 26.0988% | 1,386 |
| Efficiency ratio | 41.6586% | 6,491 |
| Assets per employee ($millions) | 6.4624% | 1,032 |
| Cash dividends to net income (ytd only)* | 101.1619% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 4,327 |
| Loan loss allowance to noncurrent loans | 209.5029% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.7236% | 3,813 |
| Noncurrent loans to loans | 0.5829% | 4,275 |
| Net loans and leases to total assets | 77.9853% | 911 |
| Net loans and leases to deposits | 91.2550% | 1,243 |
| Net loans and leases to core deposits | 96.7773% | 1,542 |
| Total domestic deposits to total assets | 85.4587% | 3,305 |
| Equity capital to assets | 8.8364% | 5,486 |
| Core capital (leverage) ratio | 8.3962% | 5,745 |
| Tier 1 risk-based capital ratio | 10.4574% | 6,263 |
| Total risk-based capital ratio | 11.6810% | 6,223 |
| Memoranda: | ||
| Average total assets | $289,271,330 | 2,232 |
| Average earning assets | $269,753,000 | 2,213 |
| Average equity | $25,959,330 | 2,568 |
| Average total loans | $229,748,330 | 1,825 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3743% | 364 |
| Cost of funding earning assets | 0.2814% | 5,264 |
| Net interest margin | 5.0930% | 226 |
| Noninterest income to average assets | 0.2314% | 5,502 |
| Noninterest expense to average assets | 2.1131% | 5,658 |
| Loan and lease loss provision to assets | 0.2103% | 1,090 |
| Net operating income to assets | 2.6529% | 129 |
| Return on assets (ROA) | 2.6529% | 136 |
| Pretax return on assets | 2.6795% | 182 |
| Return on Equity (ROE) | 29.3276% | 72 |
| Retained earnings to average equity (ytd only) | 15.8419% | 277 |
| Net charge-offs to loans | -0.0070% | 4,918 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2365% | 6,543 |
| Assets per employee ($millions) | 6.2672% | 1,140 |
| Cash dividends to net income (ytd only)* | 45.9831% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 4,127 |
| Loan loss allowance to noncurrent loans | 142.0543% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.9227% | 3,425 |
| Noncurrent loans to loans | 0.9147% | 3,598 |
| Net loans and leases to total assets | 77.2517% | 852 |
| Net loans and leases to deposits | 88.4211% | 1,314 |
| Net loans and leases to core deposits | 93.2008% | 1,619 |
| Total domestic deposits to total assets | 87.3679% | 2,586 |
| Equity capital to assets | 9.2542% | 4,807 |
| Core capital (leverage) ratio | 8.9880% | 5,029 |
| Tier 1 risk-based capital ratio | 11.3345% | 6,003 |
| Total risk-based capital ratio | 12.5849% | 5,952 |
| Memoranda: | ||
| Average total assets | $285,272,000 | 2,263 |
| Average earning assets | $267,270,500 | 2,237 |
| Average equity | $25,805,000 | 2,575 |
| Average total loans | $227,276,000 | 1,843 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5113% | 357 |
| Cost of funding earning assets | 0.3487% | 5,146 |
| Net interest margin | 5.1626% | 230 |
| Noninterest income to average assets | 0.2690% | 5,427 |
| Noninterest expense to average assets | 2.4318% | 4,983 |
| Loan and lease loss provision to assets | 0.0986% | 3,154 |
| Net operating income to assets | 2.5160% | 162 |
| Return on assets (ROA) | 2.5566% | 163 |
| Pretax return on assets | 2.5623% | 187 |
| Return on Equity (ROE) | 29.2811% | 79 |
| Retained earnings to average equity (ytd only) | 10.3669% | 509 |
| Net charge-offs to loans | 0.0671% | 4,277 |
| Credit loss provision to net charge-offs | 185.8108% | 1,229 |
| Earnings coverage of net charge-offs (x) | 49.3716% | 802 |
| Efficiency ratio | 48.1332% | 6,490 |
| Assets per employee ($millions) | 6.1360% | 1,181 |
| Cash dividends to net income (ytd only)* | 64.5953% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 4,589 |
| Loan loss allowance to noncurrent loans | 317.4857% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 5,334 |
| Noncurrent loans to loans | 0.3822% | 5,048 |
| Net loans and leases to total assets | 80.1168% | 584 |
| Net loans and leases to deposits | 90.3997% | 1,195 |
| Net loans and leases to core deposits | 95.1490% | 1,519 |
| Total domestic deposits to total assets | 88.6251% | 1,843 |
| Equity capital to assets | 8.8328% | 5,219 |
| Core capital (leverage) ratio | 8.6145% | 5,525 |
| Tier 1 risk-based capital ratio | 10.8880% | 6,229 |
| Total risk-based capital ratio | 12.1206% | 6,179 |
| Memoranda: | ||
| Average total assets | $278,851,600 | 2,280 |
| Average earning assets | $258,359,200 | 2,259 |
| Average equity | $24,346,800 | 2,699 |
| Average total loans | $220,697,200 | 1,856 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5031% | 374 |
| Cost of funding earning assets | 0.3625% | 5,165 |
| Net interest margin | 5.1405% | 238 |
| Noninterest income to average assets | 0.2772% | 5,462 |
| Noninterest expense to average assets | 2.1812% | 5,643 |
| Loan and lease loss provision to assets | 0.0599% | 3,849 |
| Net operating income to assets | 2.7827% | 133 |
| Return on assets (ROA) | 2.8162% | 135 |
| Pretax return on assets | 2.8162% | 165 |
| Return on Equity (ROE) | 32.3508% | 57 |
| Retained earnings to average equity (ytd only) | 6.9803% | 1,888 |
| Net charge-offs to loans | -0.0079% | 5,848 |
| Credit loss provision to net charge-offs | -961.5385% | 6,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4177% | 6,674 |
| Assets per employee ($millions) | 6.0473% | 1,211 |
| Cash dividends to net income (ytd only)* | 78.4230% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 4,696 |
| Loan loss allowance to noncurrent loans | 276.9613% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.3620% | 5,328 |
| Noncurrent loans to loans | 0.4474% | 5,081 |
| Net loans and leases to total assets | 79.9175% | 559 |
| Net loans and leases to deposits | 90.2376% | 1,138 |
| Net loans and leases to core deposits | 93.0581% | 1,663 |
| Total domestic deposits to total assets | 88.5634% | 1,802 |
| Equity capital to assets | 8.5733% | 5,656 |
| Core capital (leverage) ratio | 8.4752% | 5,795 |
| Tier 1 risk-based capital ratio | 10.5169% | 6,444 |
| Total risk-based capital ratio | 11.7668% | 6,418 |
| Memoranda: | ||
| Average total assets | $278,001,000 | 2,294 |
| Average earning assets | $256,698,250 | 2,279 |
| Average equity | $24,200,750 | 2,739 |
| Average total loans | $218,643,750 | 1,872 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4893% | 383 |
| Cost of funding earning assets | 0.3685% | 5,242 |
| Net interest margin | 5.1209% | 246 |
| Noninterest income to average assets | 0.2821% | 5,431 |
| Noninterest expense to average assets | 2.0853% | 5,895 |
| Loan and lease loss provision to assets | 0.0540% | 3,914 |
| Net operating income to assets | 2.8531% | 123 |
| Return on assets (ROA) | 2.8977% | 126 |
| Pretax return on assets | 2.8977% | 161 |
| Return on Equity (ROE) | 33.1195% | 53 |
| Retained earnings to average equity (ytd only) | 1.7847% | 5,121 |
| Net charge-offs to loans | -0.0129% | 5,826 |
| Credit loss provision to net charge-offs | -535.7143% | 5,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7700% | 6,759 |
| Assets per employee ($millions) | 6.1259% | 1,115 |
| Cash dividends to net income (ytd only)* | 94.6114% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 4,630 |
| Loan loss allowance to noncurrent loans | 362.9139% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 5,647 |
| Noncurrent loans to loans | 0.3507% | 5,412 |
| Net loans and leases to total assets | 78.8548% | 654 |
| Net loans and leases to deposits | 88.9969% | 1,232 |
| Net loans and leases to core deposits | 91.9858% | 1,711 |
| Total domestic deposits to total assets | 88.6040% | 1,847 |
| Equity capital to assets | 8.4314% | 5,837 |
| Core capital (leverage) ratio | 8.1212% | 6,088 |
| Tier 1 risk-based capital ratio | 10.5061% | 6,500 |
| Total risk-based capital ratio | 11.7565% | 6,476 |
| Memoranda: | ||
| Average total assets | $277,942,000 | 2,303 |
| Average earning assets | $255,660,330 | 2,300 |
| Average equity | $24,318,000 | 2,736 |
| Average total loans | $216,491,000 | 1,890 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4463% | 397 |
| Cost of funding earning assets | 0.3793% | 5,293 |
| Net interest margin | 5.0670% | 253 |
| Noninterest income to average assets | 0.2835% | 5,433 |
| Noninterest expense to average assets | 2.1337% | 5,835 |
| Loan and lease loss provision to assets | 0.1063% | 2,916 |
| Net operating income to assets | 2.5235% | 158 |
| Return on assets (ROA) | 2.5235% | 169 |
| Pretax return on assets | 2.6838% | 211 |
| Return on Equity (ROE) | 28.3507% | 91 |
| Retained earnings to average equity (ytd only) | 17.5997% | 210 |
| Net charge-offs to loans | 0.0111% | 3,924 |
| Credit loss provision to net charge-offs | 1,250.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 328.0000% | 115 |
| Efficiency ratio | 43.3343% | 6,797 |
| Assets per employee ($millions) | 6.6200% | 928 |
| Cash dividends to net income (ytd only)* | 37.9213% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 4,774 |
| Loan loss allowance to noncurrent loans | 507.4627% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 6,007 |
| Noncurrent loans to loans | 0.2533% | 5,780 |
| Net loans and leases to total assets | 73.3842% | 1,155 |
| Net loans and leases to deposits | 81.3012% | 1,923 |
| Net loans and leases to core deposits | 83.9942% | 2,320 |
| Total domestic deposits to total assets | 90.2621% | 897 |
| Equity capital to assets | 8.9580% | 5,545 |
| Core capital (leverage) ratio | 8.1585% | 5,979 |
| Tier 1 risk-based capital ratio | 10.9068% | 6,445 |
| Total risk-based capital ratio | 12.1575% | 6,418 |
| Memoranda: | ||
| Average total assets | $282,142,500 | 2,304 |
| Average earning assets | $258,375,500 | 2,299 |
| Average equity | $25,114,000 | 2,694 |
| Average total loans | $217,093,500 | 1,892 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7747% | 384 |
| Cost of funding earning assets | 0.4874% | 5,303 |
| Net interest margin | 5.2873% | 236 |
| Noninterest income to average assets | 0.2944% | 5,362 |
| Noninterest expense to average assets | 2.2682% | 5,770 |
| Loan and lease loss provision to assets | 0.3500% | 1,908 |
| Net operating income to assets | 2.3754% | 186 |
| Return on assets (ROA) | 2.5151% | 165 |
| Pretax return on assets | 2.6718% | 201 |
| Return on Equity (ROE) | 28.7728% | 81 |
| Retained earnings to average equity (ytd only) | 12.6248% | 277 |
| Net charge-offs to loans | 0.0179% | 5,664 |
| Credit loss provision to net charge-offs | 2,647.0588% | 91 |
| Earnings coverage of net charge-offs (x) | 217.3235% | 195 |
| Efficiency ratio | 44.1159% | 6,842 |
| Assets per employee ($millions) | 6.5029% | 1,000 |
| Cash dividends to net income (ytd only)* | 56.1224% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 5,153 |
| Loan loss allowance to noncurrent loans | 44,183.3333% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 6,713 |
| Noncurrent loans to loans | 0.0027% | 6,586 |
| Net loans and leases to total assets | 78.6484% | 602 |
| Net loans and leases to deposits | 87.0977% | 1,376 |
| Net loans and leases to core deposits | 90.2517% | 1,805 |
| Total domestic deposits to total assets | 90.2991% | 805 |
| Equity capital to assets | 8.8433% | 5,695 |
| Core capital (leverage) ratio | 7.9700% | 6,225 |
| Tier 1 risk-based capital ratio | 9.9584% | 6,712 |
| Total risk-based capital ratio | 11.1576% | 6,690 |
| Memoranda: | ||
| Average total assets | $257,169,200 | 2,465 |
| Average earning assets | $235,752,600 | 2,450 |
| Average equity | $22,479,600 | 2,916 |
| Average total loans | $189,975,800 | 2,095 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7092% | 455 |
| Cost of funding earning assets | 0.5062% | 5,400 |
| Net interest margin | 5.2029% | 294 |
| Noninterest income to average assets | 0.3111% | 5,300 |
| Noninterest expense to average assets | 1.9060% | 6,514 |
| Loan and lease loss provision to assets | 0.3445% | 1,902 |
| Net operating income to assets | 2.6189% | 149 |
| Return on assets (ROA) | 2.7604% | 137 |
| Pretax return on assets | 2.9687% | 159 |
| Return on Equity (ROE) | 31.6817% | 63 |
| Retained earnings to average equity (ytd only) | 9.5994% | 1,028 |
| Net charge-offs to loans | 0.0066% | 5,650 |
| Credit loss provision to net charge-offs | 7,222.2222% | 33 |
| Earnings coverage of net charge-offs (x) | 662.6500% | 60 |
| Efficiency ratio | 37.6151% | 7,052 |
| Assets per employee ($millions) | 6.5590% | 924 |
| Cash dividends to net income (ytd only)* | 69.7004% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 5,496 |
| Loan loss allowance to noncurrent loans | 15,162.5000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 6,780 |
| Noncurrent loans to loans | 0.0076% | 6,659 |
| Net loans and leases to total assets | 77.1967% | 830 |
| Net loans and leases to deposits | 89.7475% | 1,177 |
| Net loans and leases to core deposits | 93.1237% | 1,674 |
| Total domestic deposits to total assets | 86.0154% | 3,252 |
| Equity capital to assets | 8.7071% | 6,097 |
| Core capital (leverage) ratio | 7.8927% | 6,404 |
| Tier 1 risk-based capital ratio | 9.7970% | 6,843 |
| Total risk-based capital ratio | 10.9421% | 6,857 |
| Memoranda: | ||
| Average total assets | $251,555,750 | 2,540 |
| Average earning assets | $229,940,750 | 2,528 |
| Average equity | $21,917,500 | 3,007 |
| Average total loans | $181,827,250 | 2,203 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6150% | 560 |
| Cost of funding earning assets | 0.5206% | 5,477 |
| Net interest margin | 5.0944% | 340 |
| Noninterest income to average assets | 0.3174% | 5,281 |
| Noninterest expense to average assets | 1.9262% | 6,552 |
| Loan and lease loss provision to assets | 0.2848% | 2,301 |
| Net operating income to assets | 2.5333% | 165 |
| Return on assets (ROA) | 2.5333% | 191 |
| Pretax return on assets | 2.7408% | 209 |
| Return on Equity (ROE) | 29.0686% | 82 |
| Retained earnings to average equity (ytd only) | 0.7750% | 5,752 |
| Net charge-offs to loans | 0.0081% | 5,357 |
| Credit loss provision to net charge-offs | 5,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 531.1429% | 77 |
| Efficiency ratio | 38.8989% | 7,081 |
| Assets per employee ($millions) | 6.3794% | 1,021 |
| Cash dividends to net income (ytd only)* | 97.3338% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 5,812 |
| Loan loss allowance to noncurrent loans | 26,600.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 6,856 |
| Noncurrent loans to loans | 0.0041% | 6,714 |
| Net loans and leases to total assets | 75.5008% | 1,031 |
| Net loans and leases to deposits | 87.3484% | 1,437 |
| Net loans and leases to core deposits | 90.9018% | 1,884 |
| Total domestic deposits to total assets | 86.4364% | 3,111 |
| Equity capital to assets | 8.4330% | 6,273 |
| Core capital (leverage) ratio | 7.8969% | 6,376 |
| Tier 1 risk-based capital ratio | 9.7869% | 6,874 |
| Total risk-based capital ratio | 10.8682% | 6,898 |
| Memoranda: | ||
| Average total assets | $245,768,670 | 2,593 |
| Average earning assets | $223,579,670 | 2,604 |
| Average equity | $21,418,330 | 3,057 |
| Average total loans | $172,429,330 | 2,324 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5189% | 731 |
| Cost of funding earning assets | 0.5449% | 5,534 |
| Net interest margin | 4.9740% | 417 |
| Noninterest income to average assets | 0.3468% | 5,085 |
| Noninterest expense to average assets | 1.9530% | 6,547 |
| Loan and lease loss provision to assets | 0.2489% | 2,471 |
| Net operating income to assets | 2.3944% | 208 |
| Return on assets (ROA) | 2.3944% | 255 |
| Pretax return on assets | 2.6283% | 278 |
| Return on Equity (ROE) | 27.0124% | 139 |
| Retained earnings to average equity (ytd only) | 19.4309% | 205 |
| Net charge-offs to loans | 0.0372% | 4,177 |
| Credit loss provision to net charge-offs | 1,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 115.6000% | 304 |
| Efficiency ratio | 40.4328% | 7,097 |
| Assets per employee ($millions) | 6.4776% | 994 |
| Cash dividends to net income (ytd only)* | 28.0665% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 5,531 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 64.7067% | 2,713 |
| Net loans and leases to deposits | 72.7257% | 3,313 |
| Net loans and leases to core deposits | 75.3116% | 3,709 |
| Total domestic deposits to total assets | 88.9738% | 1,705 |
| Equity capital to assets | 8.9982% | 5,495 |
| Core capital (leverage) ratio | 8.3289% | 5,827 |
| Tier 1 risk-based capital ratio | 11.6595% | 6,184 |
| Total risk-based capital ratio | 12.7669% | 6,250 |
| Memoranda: | ||
| Average total assets | $241,065,000 | 2,657 |
| Average earning assets | $217,291,500 | 2,681 |
| Average equity | $21,368,000 | 3,065 |
| Average total loans | $161,250,000 | 2,464 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1229% | 353 |
| Cost of funding earning assets | 0.8319% | 4,613 |
| Net interest margin | 5.2909% | 243 |
| Noninterest income to average assets | 0.2776% | 5,543 |
| Noninterest expense to average assets | 2.4643% | 5,584 |
| Loan and lease loss provision to assets | 0.2502% | 3,700 |
| Net operating income to assets | 2.2468% | 212 |
| Return on assets (ROA) | 2.3100% | 194 |
| Pretax return on assets | 2.4546% | 221 |
| Return on Equity (ROE) | 27.4825% | 64 |
| Retained earnings to average equity (ytd only) | 14.9955% | 134 |
| Net charge-offs to loans | 0.2994% | 3,906 |
| Credit loss provision to net charge-offs | 117.1367% | 2,751 |
| Earnings coverage of net charge-offs (x) | 12.3471% | 1,632 |
| Efficiency ratio | 48.3015% | 6,933 |
| Assets per employee ($millions) | 6.3779% | 1,017 |
| Cash dividends to net income (ytd only)* | 45.4363% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 5,789 |
| Loan loss allowance to noncurrent loans | 89,250.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 7,024 |
| Noncurrent loans to loans | 0.0012% | 6,875 |
| Net loans and leases to total assets | 67.5987% | 2,471 |
| Net loans and leases to deposits | 75.8416% | 3,199 |
| Net loans and leases to core deposits | 79.7209% | 3,480 |
| Total domestic deposits to total assets | 89.1313% | 1,457 |
| Equity capital to assets | 8.7240% | 5,872 |
| Core capital (leverage) ratio | 8.0968% | 6,147 |
| Tier 1 risk-based capital ratio | 11.1359% | 6,382 |
| Total risk-based capital ratio | 12.1724% | 6,476 |
| Memoranda: | ||
| Average total assets | $215,801,600 | 2,886 |
| Average earning assets | $196,771,000 | 2,893 |
| Average equity | $18,138,800 | 3,406 |
| Average total loans | $153,952,000 | 2,582 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1580% | 354 |
| Cost of funding earning assets | 0.8862% | 4,498 |
| Net interest margin | 5.2717% | 255 |
| Noninterest income to average assets | 0.2499% | 5,828 |
| Noninterest expense to average assets | 2.2376% | 6,194 |
| Loan and lease loss provision to assets | 0.3100% | 3,046 |
| Net operating income to assets | 2.3505% | 195 |
| Return on assets (ROA) | 2.4052% | 187 |
| Pretax return on assets | 2.5659% | 218 |
| Return on Equity (ROE) | 28.9227% | 66 |
| Retained earnings to average equity (ytd only) | 11.6923% | 532 |
| Net charge-offs to loans | 0.0386% | 5,608 |
| Credit loss provision to net charge-offs | 1,113.6364% | 239 |
| Earnings coverage of net charge-offs (x) | 101.2190% | 360 |
| Efficiency ratio | 44.2623% | 7,138 |
| Assets per employee ($millions) | 6.1232% | 1,138 |
| Cash dividends to net income (ytd only)* | 59.5738% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 4,960 |
| Loan loss allowance to noncurrent loans | 528.7469% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.1796% | 6,605 |
| Noncurrent loans to loans | 0.2480% | 6,378 |
| Net loans and leases to total assets | 71.4783% | 1,821 |
| Net loans and leases to deposits | 82.5752% | 2,244 |
| Net loans and leases to core deposits | 89.1445% | 2,345 |
| Total domestic deposits to total assets | 86.5614% | 2,902 |
| Equity capital to assets | 8.6407% | 6,155 |
| Core capital (leverage) ratio | 8.2266% | 6,098 |
| Tier 1 risk-based capital ratio | 10.4601% | 6,794 |
| Total risk-based capital ratio | 11.7099% | 6,779 |
| Memoranda: | ||
| Average total assets | $210,756,750 | 2,945 |
| Average earning assets | $192,115,250 | 2,954 |
| Average equity | $17,526,750 | 3,509 |
| Average total loans | $152,113,750 | 2,633 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0791% | 408 |
| Cost of funding earning assets | 0.9354% | 4,421 |
| Net interest margin | 5.1437% | 310 |
| Noninterest income to average assets | 0.2209% | 6,094 |
| Noninterest expense to average assets | 2.2249% | 6,316 |
| Loan and lease loss provision to assets | 0.2579% | 3,334 |
| Net operating income to assets | 2.2895% | 223 |
| Return on assets (ROA) | 2.3407% | 222 |
| Pretax return on assets | 2.5023% | 247 |
| Return on Equity (ROE) | 28.5567% | 81 |
| Retained earnings to average equity (ytd only) | 4.8683% | 3,077 |
| Net charge-offs to loans | 0.0473% | 5,190 |
| Credit loss provision to net charge-offs | 757.1429% | 430 |
| Earnings coverage of net charge-offs (x) | 79.4286% | 427 |
| Efficiency ratio | 45.1244% | 7,197 |
| Assets per employee ($millions) | 5.6439% | 1,450 |
| Cash dividends to net income (ytd only)* | 82.9522% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 5,204 |
| Loan loss allowance to noncurrent loans | 485.4637% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1911% | 6,626 |
| Noncurrent loans to loans | 0.2614% | 6,402 |
| Net loans and leases to total assets | 72.1676% | 1,756 |
| Net loans and leases to deposits | 82.2189% | 2,418 |
| Net loans and leases to core deposits | 88.3537% | 2,588 |
| Total domestic deposits to total assets | 87.7749% | 2,299 |
| Equity capital to assets | 8.4789% | 6,212 |
| Core capital (leverage) ratio | 8.1522% | 6,095 |
| Tier 1 risk-based capital ratio | 10.5405% | 6,778 |
| Total risk-based capital ratio | 11.7510% | 6,783 |
| Memoranda: | ||
| Average total assets | $205,490,000 | 3,025 |
| Average earning assets | $188,151,670 | 3,022 |
| Average equity | $16,843,670 | 3,602 |
| Average total loans | $148,121,330 | 2,715 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0541% | 431 |
| Cost of funding earning assets | 1.0033% | 4,181 |
| Net interest margin | 5.0508% | 342 |
| Noninterest income to average assets | 0.1001% | 6,914 |
| Noninterest expense to average assets | 2.1725% | 6,482 |
| Loan and lease loss provision to assets | 0.2061% | 3,580 |
| Net operating income to assets | 2.1740% | 273 |
| Return on assets (ROA) | 2.2726% | 252 |
| Pretax return on assets | 2.4315% | 270 |
| Return on Equity (ROE) | 28.2224% | 105 |
| Retained earnings to average equity (ytd only) | 16.1584% | 314 |
| Net charge-offs to loans | -0.0082% | 6,318 |
| Credit loss provision to net charge-offs | -3,500.0000% | 6,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1827% | 7,198 |
| Assets per employee ($millions) | 5.3820% | 1,682 |
| Cash dividends to net income (ytd only)* | 42.7461% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 5,198 |
| Loan loss allowance to noncurrent loans | 398.6813% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.2645% | 6,516 |
| Noncurrent loans to loans | 0.3226% | 6,344 |
| Net loans and leases to total assets | 68.0772% | 2,535 |
| Net loans and leases to deposits | 77.4194% | 3,168 |
| Net loans and leases to core deposits | 82.8605% | 3,330 |
| Total domestic deposits to total assets | 87.9329% | 2,412 |
| Equity capital to assets | 8.3011% | 6,162 |
| Core capital (leverage) ratio | 8.2963% | 5,819 |
| Tier 1 risk-based capital ratio | 11.2910% | 6,265 |
| Total risk-based capital ratio | 12.4874% | 6,291 |
| Memoranda: | ||
| Average total assets | $203,822,500 | 3,071 |
| Average earning assets | $185,791,500 | 3,070 |
| Average equity | $16,412,500 | 3,649 |
| Average total loans | $145,861,500 | 2,774 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1824% | 591 |
| Cost of funding earning assets | 1.3368% | 3,654 |
| Net interest margin | 4.8456% | 614 |
| Noninterest income to average assets | 0.3849% | 5,021 |
| Noninterest expense to average assets | 2.3787% | 6,143 |
| Loan and lease loss provision to assets | 0.7035% | 2,330 |
| Net operating income to assets | 1.6403% | 582 |
| Return on assets (ROA) | 1.7466% | 511 |
| Pretax return on assets | 1.8898% | 628 |
| Return on Equity (ROE) | 21.7612% | 169 |
| Retained earnings to average equity (ytd only) | 6.0476% | 1,788 |
| Net charge-offs to loans | 1.2808% | 1,747 |
| Credit loss provision to net charge-offs | 76.2527% | 5,688 |
| Earnings coverage of net charge-offs (x) | 2.6857% | 3,748 |
| Efficiency ratio | 48.9809% | 7,203 |
| Assets per employee ($millions) | 5.3455% | 1,719 |
| Cash dividends to net income (ytd only)* | 72.2094% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 5,815 |
| Loan loss allowance to noncurrent loans | 337.8218% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 6,378 |
| Noncurrent loans to loans | 0.3351% | 6,383 |
| Net loans and leases to total assets | 73.3397% | 1,801 |
| Net loans and leases to deposits | 85.0047% | 2,278 |
| Net loans and leases to core deposits | 94.1277% | 2,243 |
| Total domestic deposits to total assets | 86.2773% | 3,210 |
| Equity capital to assets | 7.8019% | 6,671 |
| Core capital (leverage) ratio | 7.9298% | 6,288 |
| Tier 1 risk-based capital ratio | 10.3341% | 6,802 |
| Total risk-based capital ratio | 11.4054% | 6,879 |
| Memoranda: | ||
| Average total assets | $199,018,200 | 3,114 |
| Average earning assets | $183,650,000 | 3,082 |
| Average equity | $15,973,400 | 3,772 |
| Average total loans | $143,344,400 | 2,879 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1522% | 675 |
| Cost of funding earning assets | 1.3962% | 3,609 |
| Net interest margin | 4.7560% | 737 |
| Noninterest income to average assets | 0.3818% | 5,100 |
| Noninterest expense to average assets | 2.1711% | 6,681 |
| Loan and lease loss provision to assets | 0.8418% | 1,805 |
| Net operating income to assets | 1.6354% | 693 |
| Return on assets (ROA) | 1.7825% | 577 |
| Pretax return on assets | 1.9085% | 755 |
| Return on Equity (ROE) | 22.0513% | 194 |
| Retained earnings to average equity (ytd only) | 1.1413% | 5,365 |
| Net charge-offs to loans | 1.7346% | 1,122 |
| Credit loss provision to net charge-offs | 67.8979% | 5,479 |
| Earnings coverage of net charge-offs (x) | 2.0907% | 4,157 |
| Efficiency ratio | 45.5818% | 7,399 |
| Assets per employee ($millions) | 5.3590% | 1,754 |
| Cash dividends to net income (ytd only)* | 94.8241% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 6,051 |
| Loan loss allowance to noncurrent loans | 298.2692% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.3604% | 6,498 |
| Noncurrent loans to loans | 0.3599% | 6,473 |
| Net loans and leases to total assets | 70.1800% | 2,693 |
| Net loans and leases to deposits | 79.7896% | 3,491 |
| Net loans and leases to core deposits | 91.9843% | 2,800 |
| Total domestic deposits to total assets | 87.9563% | 1,989 |
| Equity capital to assets | 8.1609% | 6,657 |
| Core capital (leverage) ratio | 7.7846% | 6,586 |
| Tier 1 risk-based capital ratio | 10.0269% | 7,054 |
| Total risk-based capital ratio | 11.0221% | 7,154 |
| Memoranda: | ||
| Average total assets | $197,990,250 | 3,168 |
| Average earning assets | $182,389,500 | 3,144 |
| Average equity | $16,004,750 | 3,804 |
| Average total loans | $141,510,250 | 2,952 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1103% | 741 |
| Cost of funding earning assets | 1.4338% | 3,650 |
| Net interest margin | 4.6765% | 851 |
| Noninterest income to average assets | 0.3926% | 4,965 |
| Noninterest expense to average assets | 2.2202% | 6,598 |
| Loan and lease loss provision to assets | 1.1728% | 1,205 |
| Net operating income to assets | 1.1384% | 1,730 |
| Return on assets (ROA) | 1.1402% | 1,790 |
| Pretax return on assets | 1.2860% | 2,137 |
| Return on Equity (ROE) | 14.1519% | 1,014 |
| Retained earnings to average equity (ytd only) | -12.3038% | 7,006 |
| Net charge-offs to loans | 2.5846% | 651 |
| Credit loss provision to net charge-offs | 63.3260% | 5,130 |
| Earnings coverage of net charge-offs (x) | 1.3265% | 4,501 |
| Efficiency ratio | 47.4706% | 7,370 |
| Assets per employee ($millions) | 5.2310% | 1,891 |
| Cash dividends to net income (ytd only)* | 186.9410% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 6,234 |
| Loan loss allowance to noncurrent loans | 319.4805% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.3401% | 6,571 |
| Noncurrent loans to loans | 0.3252% | 6,577 |
| Net loans and leases to total assets | 70.7307% | 2,735 |
| Net loans and leases to deposits | 80.0038% | 3,597 |
| Net loans and leases to core deposits | 92.8033% | 2,873 |
| Total domestic deposits to total assets | 88.4092% | 1,773 |
| Equity capital to assets | 7.5743% | 7,078 |
| Core capital (leverage) ratio | 7.2092% | 7,065 |
| Tier 1 risk-based capital ratio | 9.5598% | 7,236 |
| Total risk-based capital ratio | 10.5317% | 7,343 |
| Memoranda: | ||
| Average total assets | $196,106,330 | 3,215 |
| Average earning assets | $179,663,670 | 3,196 |
| Average equity | $15,800,000 | 3,831 |
| Average total loans | $140,524,670 | 3,001 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0599% | 861 |
| Cost of funding earning assets | 1.4144% | 4,093 |
| Net interest margin | 4.6456% | 878 |
| Noninterest income to average assets | 0.3820% | 5,080 |
| Noninterest expense to average assets | 2.2652% | 6,499 |
| Loan and lease loss provision to assets | 0.1027% | 5,602 |
| Net operating income to assets | 2.1103% | 290 |
| Return on assets (ROA) | 2.2242% | 268 |
| Pretax return on assets | 2.3782% | 306 |
| Return on Equity (ROE) | 26.7870% | 123 |
| Retained earnings to average equity (ytd only) | 16.6461% | 300 |
| Net charge-offs to loans | 1.3739% | 1,251 |
| Credit loss provision to net charge-offs | 10.4167% | 5,042 |
| Earnings coverage of net charge-offs (x) | 2.3938% | 3,343 |
| Efficiency ratio | 48.9787% | 7,376 |
| Assets per employee ($millions) | 5.0221% | 2,204 |
| Cash dividends to net income (ytd only)* | 37.8578% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 5,183 |
| Loan loss allowance to noncurrent loans | 98.5607% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.9961% | 5,155 |
| Noncurrent loans to loans | 1.2734% | 4,853 |
| Net loans and leases to total assets | 68.7705% | 3,208 |
| Net loans and leases to deposits | 79.8871% | 3,675 |
| Net loans and leases to core deposits | 90.9273% | 3,238 |
| Total domestic deposits to total assets | 86.0847% | 3,106 |
| Equity capital to assets | 8.4043% | 6,156 |
| Core capital (leverage) ratio | 8.2943% | 5,751 |
| Tier 1 risk-based capital ratio | 10.9644% | 6,199 |
| Total risk-based capital ratio | 12.1257% | 6,253 |
| Memoranda: | ||
| Average total assets | $194,770,500 | 3,290 |
| Average earning assets | $177,890,500 | 3,283 |
| Average equity | $16,172,000 | 3,804 |
| Average total loans | $139,750,500 | 3,083 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1735% | 1,312 |
| Cost of funding earning assets | 1.7628% | 4,190 |
| Net interest margin | 4.4108% | 1,401 |
| Noninterest income to average assets | 0.3827% | 5,356 |
| Noninterest expense to average assets | 2.4962% | 6,141 |
| Loan and lease loss provision to assets | 0.4083% | 4,365 |
| Net operating income to assets | 1.4393% | 786 |
| Return on assets (ROA) | 1.4787% | 765 |
| Pretax return on assets | 1.5810% | 1,002 |
| Return on Equity (ROE) | 19.6019% | 265 |
| Retained earnings to average equity (ytd only) | 4.5540% | 2,067 |
| Net charge-offs to loans | 0.0647% | 6,462 |
| Credit loss provision to net charge-offs | 872.0930% | 336 |
| Earnings coverage of net charge-offs (x) | 41.5930% | 593 |
| Efficiency ratio | 56.1750% | 6,999 |
| Assets per employee ($millions) | 4.9661% | 2,263 |
| Cash dividends to net income (ytd only)* | 76.7673% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 3,746 |
| Loan loss allowance to noncurrent loans | 98.8920% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 1.2288% | 4,643 |
| Noncurrent loans to loans | 1.5137% | 4,389 |
| Net loans and leases to total assets | 72.7759% | 2,560 |
| Net loans and leases to deposits | 84.5010% | 3,179 |
| Net loans and leases to core deposits | 116.9320% | 2,229 |
| Total domestic deposits to total assets | 86.1244% | 2,946 |
| Equity capital to assets | 8.2007% | 6,343 |
| Core capital (leverage) ratio | 8.0388% | 6,100 |
| Tier 1 risk-based capital ratio | 10.0554% | 6,820 |
| Total risk-based capital ratio | 11.3070% | 6,790 |
| Memoranda: | ||
| Average total assets | $183,677,200 | 3,374 |
| Average earning assets | $169,109,400 | 3,366 |
| Average equity | $13,855,800 | 4,296 |
| Average total loans | $132,917,600 | 3,214 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1458% | 1,504 |
| Cost of funding earning assets | 1.8320% | 4,225 |
| Net interest margin | 4.3138% | 1,699 |
| Noninterest income to average assets | 0.3849% | 5,438 |
| Noninterest expense to average assets | 2.2644% | 6,803 |
| Loan and lease loss provision to assets | 0.4761% | 3,529 |
| Net operating income to assets | 1.5148% | 786 |
| Return on assets (ROA) | 1.5476% | 791 |
| Pretax return on assets | 1.6565% | 1,053 |
| Return on Equity (ROE) | 21.0048% | 258 |
| Retained earnings to average equity (ytd only) | 0.1798% | 5,121 |
| Net charge-offs to loans | 0.0787% | 5,891 |
| Credit loss provision to net charge-offs | 840.2597% | 451 |
| Earnings coverage of net charge-offs (x) | 37.0145% | 794 |
| Efficiency ratio | 51.9150% | 7,421 |
| Assets per employee ($millions) | 5.0473% | 2,092 |
| Cash dividends to net income (ytd only)* | 99.1441% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 3,481 |
| Loan loss allowance to noncurrent loans | 83.7628% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.2748% | 4,521 |
| Noncurrent loans to loans | 1.7823% | 3,934 |
| Net loans and leases to total assets | 70.4576% | 3,402 |
| Net loans and leases to deposits | 83.8007% | 3,683 |
| Net loans and leases to core deposits | 113.5214% | 2,879 |
| Total domestic deposits to total assets | 84.0776% | 3,693 |
| Equity capital to assets | 8.1591% | 6,683 |
| Core capital (leverage) ratio | 8.0218% | 6,323 |
| Tier 1 risk-based capital ratio | 9.9203% | 7,041 |
| Total risk-based capital ratio | 11.1718% | 7,001 |
| Memoranda: | ||
| Average total assets | $181,177,000 | 3,452 |
| Average earning assets | $167,026,000 | 3,425 |
| Average equity | $13,349,000 | 4,443 |
| Average total loans | $130,373,750 | 3,297 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1453% | 1,637 |
| Cost of funding earning assets | 1.9062% | 4,228 |
| Net interest margin | 4.2391% | 1,850 |
| Noninterest income to average assets | 0.3952% | 5,333 |
| Noninterest expense to average assets | 2.3148% | 6,719 |
| Loan and lease loss provision to assets | 0.6722% | 2,419 |
| Net operating income to assets | 1.2270% | 1,411 |
| Return on assets (ROA) | 1.2588% | 1,411 |
| Pretax return on assets | 1.3454% | 1,893 |
| Return on Equity (ROE) | 17.7710% | 509 |
| Retained earnings to average equity (ytd only) | -14.1786% | 7,190 |
| Net charge-offs to loans | 0.0765% | 5,443 |
| Credit loss provision to net charge-offs | 1,218.3673% | 404 |
| Earnings coverage of net charge-offs (x) | 35.9592% | 885 |
| Efficiency ratio | 53.8502% | 7,351 |
| Assets per employee ($millions) | 4.6126% | 2,582 |
| Cash dividends to net income (ytd only)* | 179.7853% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 2,735 |
| Loan loss allowance to noncurrent loans | 119.5986% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.9665% | 5,045 |
| Noncurrent loans to loans | 1.3389% | 4,538 |
| Net loans and leases to total assets | 71.0289% | 3,456 |
| Net loans and leases to deposits | 79.2481% | 4,666 |
| Net loans and leases to core deposits | 108.4581% | 3,560 |
| Total domestic deposits to total assets | 89.6285% | 993 |
| Equity capital to assets | 6.9433% | 7,639 |
| Core capital (leverage) ratio | 7.1082% | 7,445 |
| Tier 1 risk-based capital ratio | 8.9430% | 7,726 |
| Total risk-based capital ratio | 10.1954% | 7,755 |
| Memoranda: | ||
| Average total assets | $177,636,330 | 3,517 |
| Average earning assets | $163,572,000 | 3,494 |
| Average equity | $12,582,330 | 4,661 |
| Average total loans | $128,103,330 | 3,374 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0904% | 1,977 |
| Cost of funding earning assets | 1.9928% | 4,170 |
| Net interest margin | 4.0976% | 2,281 |
| Noninterest income to average assets | 0.4094% | 5,140 |
| Noninterest expense to average assets | 2.1519% | 7,004 |
| Loan and lease loss provision to assets | 1.0670% | 1,229 |
| Net operating income to assets | 0.8354% | 2,971 |
| Return on assets (ROA) | 0.8590% | 3,030 |
| Pretax return on assets | 0.9798% | 3,424 |
| Return on Equity (ROE) | 12.0108% | 1,656 |
| Retained earnings to average equity (ytd only) | 4.9732% | 3,143 |
| Net charge-offs to loans | 0.0497% | 4,784 |
| Credit loss provision to net charge-offs | 2,981.2500% | 229 |
| Earnings coverage of net charge-offs (x) | 56.4375% | 675 |
| Efficiency ratio | 51.5818% | 7,459 |
| Assets per employee ($millions) | 4.7501% | 2,362 |
| Cash dividends to net income (ytd only)* | 58.5938% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 2,689 |
| Loan loss allowance to noncurrent loans | 110.6735% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.9706% | 4,770 |
| Noncurrent loans to loans | 1.4079% | 4,201 |
| Net loans and leases to total assets | 67.8665% | 4,169 |
| Net loans and leases to deposits | 76.6690% | 5,127 |
| Net loans and leases to core deposits | 104.4188% | 4,094 |
| Total domestic deposits to total assets | 88.5188% | 1,478 |
| Equity capital to assets | 7.1434% | 7,601 |
| Core capital (leverage) ratio | 7.6091% | 7,014 |
| Tier 1 risk-based capital ratio | 9.6831% | 7,273 |
| Total risk-based capital ratio | 10.9351% | 7,183 |
| Memoranda: | ||
| Average total assets | $178,815,500 | 3,526 |
| Average earning assets | $164,192,500 | 3,511 |
| Average equity | $12,788,500 | 4,631 |
| Average total loans | $128,893,000 | 3,389 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7568% | 1,842 |
| Cost of funding earning assets | 2.5247% | 4,074 |
| Net interest margin | 4.2321% | 2,189 |
| Noninterest income to average assets | 0.4329% | 5,188 |
| Noninterest expense to average assets | 2.5582% | 5,799 |
| Loan and lease loss provision to assets | 0.2313% | 4,586 |
| Net operating income to assets | 1.4499% | 1,127 |
| Return on assets (ROA) | 1.4684% | 1,040 |
| Pretax return on assets | 1.6109% | 1,353 |
| Return on Equity (ROE) | 19.9471% | 375 |
| Retained earnings to average equity (ytd only) | 10.7485% | 360 |
| Net charge-offs to loans | 0.0602% | 5,915 |
| Credit loss provision to net charge-offs | 520.8333% | 836 |
| Earnings coverage of net charge-offs (x) | 41.0278% | 899 |
| Efficiency ratio | 58.4061% | 6,622 |
| Assets per employee ($millions) | 4.6613% | 2,384 |
| Cash dividends to net income (ytd only)* | 46.1151% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 5,214 |
| Loan loss allowance to noncurrent loans | 1,508.1633% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 7,352 |
| Noncurrent loans to loans | 0.0735% | 7,211 |
| Net loans and leases to total assets | 74.4479% | 3,001 |
| Net loans and leases to deposits | 85.9450% | 4,128 |
| Net loans and leases to core deposits | 117.2817% | 2,976 |
| Total domestic deposits to total assets | 86.6227% | 2,135 |
| Equity capital to assets | 7.1604% | 7,648 |
| Core capital (leverage) ratio | 7.6574% | 6,990 |
| Tier 1 risk-based capital ratio | 9.3291% | 7,489 |
| Total risk-based capital ratio | 10.3612% | 7,667 |
| Memoranda: | ||
| Average total assets | $162,145,400 | 3,683 |
| Average earning assets | $151,225,400 | 3,630 |
| Average equity | $11,936,600 | 4,844 |
| Average total loans | $119,611,000 | 3,468 |