Home > United Cumberland Bank > Performance and Condition Ratios
United Cumberland Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1601% | 1,743 |
| Cost of funding earning assets | 0.7322% | 3,878 |
| Net interest margin | 4.4279% | 682 |
| Noninterest income to average assets | 1.0100% | 626 |
| Noninterest expense to average assets | 2.9524% | 1,186 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.9968% | 468 |
| Return on assets (ROA) | 1.9901% | 459 |
| Pretax return on assets | 2.0325% | 635 |
| Return on Equity (ROE) | 20.5400% | 568 |
| Retained earnings to average equity (ytd only) | 7.1516% | 1,851 |
| Net charge-offs to loans | 0.0859% | 1,004 |
| Credit loss provision to net charge-offs | 276.5766% | 1,008 |
| Earnings coverage of net charge-offs (x) | 38.0360% | 1,473 |
| Efficiency ratio | 57.1588% | 3,381 |
| Assets per employee ($millions) | 4.3291% | 4,034 |
| Cash dividends to net income (ytd only)* | 65.1830% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 1,293 |
| Loan loss allowance to noncurrent loans | 54.8627% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.7784% | 184 |
| Noncurrent loans to loans | 2.5975% | 184 |
| Net loans and leases to total assets | 67.3600% | 2,110 |
| Net loans and leases to deposits | 77.1655% | 2,343 |
| Net loans and leases to core deposits | 84.9833% | 2,378 |
| Total domestic deposits to total assets | 87.2900% | 1,591 |
| Equity capital to assets | 10.1335% | 1,928 |
| Core capital (leverage) ratio | 11.8798% | 1,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $381,591,800 | 2,075 |
| Average earning assets | $357,688,600 | 2,055 |
| Average equity | $36,970,600 | 1,982 |
| Average total loans | $258,335,000 | 1,962 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0534% | 1,723 |
| Cost of funding earning assets | 0.5935% | 3,982 |
| Net interest margin | 4.4599% | 655 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 2.9734% | 1,107 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.9978% | 502 |
| Return on assets (ROA) | 1.9888% | 497 |
| Pretax return on assets | 2.0311% | 729 |
| Return on Equity (ROE) | 20.7800% | 654 |
| Retained earnings to average equity (ytd only) | 7.7128% | 2,070 |
| Net charge-offs to loans | 0.0433% | 1,270 |
| Credit loss provision to net charge-offs | 559.0361% | 586 |
| Earnings coverage of net charge-offs (x) | 75.8072% | 1,075 |
| Efficiency ratio | 57.2932% | 3,282 |
| Assets per employee ($millions) | 4.4098% | 3,994 |
| Cash dividends to net income (ytd only)* | 62.8764% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 1,251 |
| Loan loss allowance to noncurrent loans | 66.3602% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.5281% | 240 |
| Noncurrent loans to loans | 2.1851% | 251 |
| Net loans and leases to total assets | 68.5500% | 1,994 |
| Net loans and leases to deposits | 78.3470% | 2,216 |
| Net loans and leases to core deposits | 84.0917% | 2,320 |
| Total domestic deposits to total assets | 87.4900% | 1,738 |
| Equity capital to assets | 9.6134% | 2,034 |
| Core capital (leverage) ratio | 12.0806% | 1,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $378,502,250 | 2,084 |
| Average earning assets | $354,735,500 | 2,069 |
| Average equity | $36,233,000 | 1,997 |
| Average total loans | $255,623,250 | 1,977 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9605% | 1,629 |
| Cost of funding earning assets | 0.4721% | 4,032 |
| Net interest margin | 4.4884% | 616 |
| Noninterest income to average assets | 0.9800% | 587 |
| Noninterest expense to average assets | 2.9557% | 1,118 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 2.0306% | 444 |
| Return on assets (ROA) | 2.0172% | 448 |
| Pretax return on assets | 2.0600% | 677 |
| Return on Equity (ROE) | 21.1000% | 613 |
| Retained earnings to average equity (ytd only) | 9.2096% | 1,626 |
| Net charge-offs to loans | 0.0182% | 1,544 |
| Credit loss provision to net charge-offs | 1,191.3043% | 363 |
| Earnings coverage of net charge-offs (x) | 183.5652% | 656 |
| Efficiency ratio | 56.9711% | 3,308 |
| Assets per employee ($millions) | 4.4015% | 4,008 |
| Cash dividends to net income (ytd only)* | 56.3565% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 1,425 |
| Loan loss allowance to noncurrent loans | 72.3375% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.3576% | 278 |
| Noncurrent loans to loans | 1.9722% | 286 |
| Net loans and leases to total assets | 67.4500% | 2,016 |
| Net loans and leases to deposits | 77.2301% | 2,199 |
| Net loans and leases to core deposits | 82.3132% | 2,310 |
| Total domestic deposits to total assets | 87.3300% | 1,822 |
| Equity capital to assets | 9.7789% | 1,986 |
| Core capital (leverage) ratio | 12.0816% | 1,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $378,256,333 | 2,085 |
| Average earning assets | $354,560,333 | 2,070 |
| Average equity | $36,158,000 | 2,012 |
| Average total loans | $252,903,667 | 1,991 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7600% | 1,718 |
| Cost of funding earning assets | 0.4283% | 3,891 |
| Net interest margin | 4.3317% | 769 |
| Noninterest income to average assets | 1.0000% | 575 |
| Noninterest expense to average assets | 2.9673% | 1,116 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.9052% | 567 |
| Return on assets (ROA) | 1.9052% | 563 |
| Pretax return on assets | 1.9338% | 865 |
| Return on Equity (ROE) | 20.1600% | 747 |
| Retained earnings to average equity (ytd only) | 8.4077% | 2,111 |
| Net charge-offs to loans | 0.0144% | 1,414 |
| Credit loss provision to net charge-offs | 1,666.6667% | 237 |
| Earnings coverage of net charge-offs (x) | 219.7778% | 477 |
| Efficiency ratio | 58.6452% | 3,114 |
| Assets per employee ($millions) | 4.2293% | 4,156 |
| Cash dividends to net income (ytd only)* | 58.3009% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4276% | 1,507 |
| Loan loss allowance to noncurrent loans | 67.4633% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.4612% | 232 |
| Noncurrent loans to loans | 2.1161% | 256 |
| Net loans and leases to total assets | 65.0300% | 2,148 |
| Net loans and leases to deposits | 74.7136% | 2,238 |
| Net loans and leases to core deposits | 77.7253% | 2,406 |
| Total domestic deposits to total assets | 87.0400% | 2,247 |
| Equity capital to assets | 9.6459% | 2,036 |
| Core capital (leverage) ratio | 11.7189% | 1,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $378,119,500 | 2,111 |
| Average earning assets | $353,951,500 | 2,101 |
| Average equity | $35,729,000 | 2,052 |
| Average total loans | $249,855,500 | 2,030 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1837% | 1,281 |
| Cost of funding earning assets | 0.3010% | 2,867 |
| Net interest margin | 3.8827% | 998 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 2.7781% | 1,360 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.7027% | 537 |
| Return on assets (ROA) | 1.7027% | 509 |
| Pretax return on assets | 1.7284% | 863 |
| Return on Equity (ROE) | 17.4200% | 792 |
| Retained earnings to average equity (ytd only) | 3.3501% | 3,610 |
| Net charge-offs to loans | 0.0872% | 799 |
| Credit loss provision to net charge-offs | 213.3005% | 1,080 |
| Earnings coverage of net charge-offs (x) | 34.3251% | 1,604 |
| Efficiency ratio | 60.1190% | 3,041 |
| Assets per employee ($millions) | 4.2682% | 4,157 |
| Cash dividends to net income (ytd only)* | 80.7704% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 1,547 |
| Loan loss allowance to noncurrent loans | 82.4121% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.1786% | 326 |
| Noncurrent loans to loans | 1.6811% | 373 |
| Net loans and leases to total assets | 65.2700% | 2,113 |
| Net loans and leases to deposits | 74.7684% | 2,189 |
| Net loans and leases to core deposits | 77.8783% | 2,286 |
| Total domestic deposits to total assets | 87.2900% | 2,295 |
| Equity capital to assets | 9.2497% | 2,196 |
| Core capital (leverage) ratio | 11.5527% | 1,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $378,098,000 | 2,110 |
| Average earning assets | $351,173,800 | 2,106 |
| Average equity | $36,953,600 | 2,041 |
| Average total loans | $232,836,200 | 2,038 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0277% | 1,211 |
| Cost of funding earning assets | 0.2866% | 2,314 |
| Net interest margin | 3.7411% | 1,049 |
| Noninterest income to average assets | 1.0300% | 630 |
| Noninterest expense to average assets | 2.7432% | 1,372 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.6216% | 627 |
| Return on assets (ROA) | 1.6216% | 607 |
| Pretax return on assets | 1.6554% | 991 |
| Return on Equity (ROE) | 16.3700% | 911 |
| Retained earnings to average equity (ytd only) | 1.0878% | 4,200 |
| Net charge-offs to loans | 0.0670% | 825 |
| Credit loss provision to net charge-offs | 246.0870% | 903 |
| Earnings coverage of net charge-offs (x) | 43.3478% | 1,349 |
| Efficiency ratio | 60.9846% | 2,981 |
| Assets per employee ($millions) | 4.3513% | 4,153 |
| Cash dividends to net income (ytd only)* | 93.3565% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 1,648 |
| Loan loss allowance to noncurrent loans | 82.9532% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.1224% | 386 |
| Noncurrent loans to loans | 1.6748% | 394 |
| Net loans and leases to total assets | 64.1500% | 2,068 |
| Net loans and leases to deposits | 73.1875% | 2,111 |
| Net loans and leases to core deposits | 76.9093% | 2,119 |
| Total domestic deposits to total assets | 87.6500% | 2,537 |
| Equity capital to assets | 8.6476% | 2,440 |
| Core capital (leverage) ratio | 11.5018% | 1,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $378,722,000 | 2,119 |
| Average earning assets | $351,192,000 | 2,120 |
| Average equity | $37,506,500 | 2,045 |
| Average total loans | $228,899,250 | 2,056 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 1,138 |
| Cost of funding earning assets | 0.2801% | 1,908 |
| Net interest margin | 3.6036% | 1,058 |
| Noninterest income to average assets | 1.0694% | 588 |
| Noninterest expense to average assets | 2.6674% | 1,467 |
| Loan and lease loss provision to assets | 0.0805% | 1,214 |
| Net operating income to assets | 1.6322% | 507 |
| Return on assets (ROA) | 1.6322% | 498 |
| Pretax return on assets | 1.6643% | 813 |
| Return on Equity (ROE) | 15.8228% | 732 |
| Retained earnings to average equity (ytd only) | 6.6442% | 2,116 |
| Net charge-offs to loans | 0.0768% | 697 |
| Credit loss provision to net charge-offs | 177.9070% | 1,024 |
| Earnings coverage of net charge-offs (x) | 38.5698% | 1,279 |
| Efficiency ratio | 60.4554% | 3,241 |
| Assets per employee ($millions) | 4.3845% | 4,160 |
| Cash dividends to net income (ytd only)* | 58.0084% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 1,732 |
| Loan loss allowance to noncurrent loans | 110.0637% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.8898% | 568 |
| Noncurrent loans to loans | 1.2758% | 620 |
| Net loans and leases to total assets | 61.0957% | 2,213 |
| Net loans and leases to deposits | 70.6054% | 2,145 |
| Net loans and leases to core deposits | 74.0954% | 2,164 |
| Total domestic deposits to total assets | 86.5312% | 3,099 |
| Equity capital to assets | 9.7519% | 1,850 |
| Core capital (leverage) ratio | 11.6981% | 1,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $380,226,000 | 2,126 |
| Average earning assets | $352,700,000 | 2,129 |
| Average equity | $39,222,000 | 2,030 |
| Average total loans | $224,055,000 | 2,086 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7501% | 1,178 |
| Cost of funding earning assets | 0.3082% | 1,571 |
| Net interest margin | 3.4419% | 1,201 |
| Noninterest income to average assets | 1.1493% | 521 |
| Noninterest expense to average assets | 2.5835% | 1,653 |
| Loan and lease loss provision to assets | 0.0733% | 1,128 |
| Net operating income to assets | 1.6574% | 447 |
| Return on assets (ROA) | 1.6574% | 449 |
| Pretax return on assets | 1.6867% | 702 |
| Return on Equity (ROE) | 15.6450% | 565 |
| Retained earnings to average equity (ytd only) | 6.7445% | 1,981 |
| Net charge-offs to loans | 0.1587% | 373 |
| Credit loss provision to net charge-offs | 80.4598% | 1,112 |
| Earnings coverage of net charge-offs (x) | 19.3103% | 1,288 |
| Efficiency ratio | 59.4790% | 3,538 |
| Assets per employee ($millions) | 4.6330% | 4,052 |
| Cash dividends to net income (ytd only)* | 56.8900% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4344% | 1,780 |
| Loan loss allowance to noncurrent loans | 107.2459% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.8535% | 633 |
| Noncurrent loans to loans | 1.3375% | 649 |
| Net loans and leases to total assets | 57.1293% | 2,403 |
| Net loans and leases to deposits | 66.3311% | 2,307 |
| Net loans and leases to core deposits | 69.8137% | 2,307 |
| Total domestic deposits to total assets | 86.1274% | 3,215 |
| Equity capital to assets | 9.9848% | 1,900 |
| Core capital (leverage) ratio | 11.5576% | 1,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $381,807,000 | 2,128 |
| Average earning assets | $354,341,000 | 2,135 |
| Average equity | $40,447,500 | 2,035 |
| Average total loans | $219,257,000 | 2,101 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9335% | 1,534 |
| Cost of funding earning assets | 0.3763% | 1,707 |
| Net interest margin | 3.5571% | 1,583 |
| Noninterest income to average assets | 0.9658% | 1,065 |
| Noninterest expense to average assets | 2.7703% | 1,432 |
| Loan and lease loss provision to assets | 0.0164% | 2,747 |
| Net operating income to assets | 1.4489% | 1,138 |
| Return on assets (ROA) | 1.4489% | 1,212 |
| Pretax return on assets | 1.4807% | 1,789 |
| Return on Equity (ROE) | 12.5348% | 1,637 |
| Retained earnings to average equity (ytd only) | 4.4830% | 3,012 |
| Net charge-offs to loans | -0.0024% | 3,399 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9176% | 2,418 |
| Assets per employee ($millions) | 4.2593% | 4,292 |
| Cash dividends to net income (ytd only)* | 64.2358% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 1,586 |
| Loan loss allowance to noncurrent loans | 98.8619% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.9602% | 592 |
| Noncurrent loans to loans | 1.5076% | 600 |
| Net loans and leases to total assets | 56.0361% | 2,605 |
| Net loans and leases to deposits | 65.6953% | 2,539 |
| Net loans and leases to core deposits | 69.6070% | 2,492 |
| Total domestic deposits to total assets | 85.2970% | 3,175 |
| Equity capital to assets | 11.2114% | 1,657 |
| Core capital (leverage) ratio | 11.5051% | 1,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $365,308,000 | 2,125 |
| Average earning assets | $339,065,600 | 2,137 |
| Average equity | $42,226,400 | 2,009 |
| Average total loans | $205,398,600 | 2,202 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9669% | 1,615 |
| Cost of funding earning assets | 0.3891% | 1,784 |
| Net interest margin | 3.5779% | 1,656 |
| Noninterest income to average assets | 0.9816% | 1,103 |
| Noninterest expense to average assets | 2.7571% | 1,443 |
| Loan and lease loss provision to assets | 0.0221% | 2,553 |
| Net operating income to assets | 1.4871% | 1,303 |
| Return on assets (ROA) | 1.4871% | 1,352 |
| Pretax return on assets | 1.5195% | 1,942 |
| Return on Equity (ROE) | 12.7644% | 1,777 |
| Retained earnings to average equity (ytd only) | 4.6997% | 3,333 |
| Net charge-offs to loans | -0.0381% | 4,236 |
| Credit loss provision to net charge-offs | -103.4483% | 3,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1382% | 2,366 |
| Assets per employee ($millions) | 4.0332% | 4,435 |
| Cash dividends to net income (ytd only)* | 63.1814% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 1,277 |
| Loan loss allowance to noncurrent loans | 96.3717% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.9643% | 698 |
| Noncurrent loans to loans | 1.6843% | 599 |
| Net loans and leases to total assets | 52.7902% | 3,110 |
| Net loans and leases to deposits | 62.0954% | 3,029 |
| Net loans and leases to core deposits | 65.7893% | 2,969 |
| Total domestic deposits to total assets | 85.0146% | 3,107 |
| Equity capital to assets | 11.4219% | 1,725 |
| Core capital (leverage) ratio | 11.6705% | 1,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,865,250 | 2,162 |
| Average earning assets | $335,499,000 | 2,177 |
| Average equity | $42,158,000 | 2,034 |
| Average total loans | $202,839,500 | 2,255 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8899% | 1,840 |
| Cost of funding earning assets | 0.4077% | 1,820 |
| Net interest margin | 3.4822% | 1,909 |
| Noninterest income to average assets | 0.9803% | 1,108 |
| Noninterest expense to average assets | 2.7712% | 1,418 |
| Loan and lease loss provision to assets | 0.0336% | 2,312 |
| Net operating income to assets | 1.3669% | 1,661 |
| Return on assets (ROA) | 1.3669% | 1,735 |
| Pretax return on assets | 1.4010% | 2,339 |
| Return on Equity (ROE) | 11.6528% | 2,181 |
| Retained earnings to average equity (ytd only) | 3.5440% | 3,670 |
| Net charge-offs to loans | -0.1131% | 4,655 |
| Credit loss provision to net charge-offs | -52.1739% | 2,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8906% | 2,178 |
| Assets per employee ($millions) | 4.2652% | 4,283 |
| Cash dividends to net income (ytd only)* | 69.5866% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6226% | 1,222 |
| Loan loss allowance to noncurrent loans | 104.0701% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.9460% | 810 |
| Noncurrent loans to loans | 1.5592% | 716 |
| Net loans and leases to total assets | 54.9416% | 3,024 |
| Net loans and leases to deposits | 64.7202% | 2,927 |
| Net loans and leases to core deposits | 69.0147% | 2,860 |
| Total domestic deposits to total assets | 84.8909% | 3,144 |
| Equity capital to assets | 11.4862% | 1,638 |
| Core capital (leverage) ratio | 11.6005% | 1,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $357,458,667 | 2,174 |
| Average earning assets | $331,110,667 | 2,188 |
| Average equity | $41,930,000 | 2,039 |
| Average total loans | $203,361,000 | 2,260 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9631% | 1,669 |
| Cost of funding earning assets | 0.4333% | 1,840 |
| Net interest margin | 3.5298% | 1,747 |
| Noninterest income to average assets | 1.0613% | 1,037 |
| Noninterest expense to average assets | 2.7756% | 1,417 |
| Loan and lease loss provision to assets | 0.0680% | 1,790 |
| Net operating income to assets | 1.4400% | 1,467 |
| Return on assets (ROA) | 1.4400% | 1,540 |
| Pretax return on assets | 1.4785% | 2,052 |
| Return on Equity (ROE) | 12.1447% | 1,966 |
| Retained earnings to average equity (ytd only) | 4.0164% | 3,497 |
| Net charge-offs to loans | -0.0612% | 4,473 |
| Credit loss provision to net charge-offs | -193.5484% | 2,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2183% | 2,436 |
| Assets per employee ($millions) | 4.1468% | 4,388 |
| Cash dividends to net income (ytd only)* | 66.9291% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6088% | 1,269 |
| Loan loss allowance to noncurrent loans | 102.8898% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.9402% | 896 |
| Noncurrent loans to loans | 1.5636% | 781 |
| Net loans and leases to total assets | 54.9236% | 3,151 |
| Net loans and leases to deposits | 64.7562% | 3,053 |
| Net loans and leases to core deposits | 69.0823% | 2,959 |
| Total domestic deposits to total assets | 84.8161% | 3,180 |
| Equity capital to assets | 11.5206% | 1,529 |
| Core capital (leverage) ratio | 12.0605% | 1,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $352,785,000 | 2,176 |
| Average earning assets | $325,906,500 | 2,198 |
| Average equity | $41,829,000 | 2,025 |
| Average total loans | $202,615,000 | 2,265 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7280% | 843 |
| Cost of funding earning assets | 0.6466% | 2,015 |
| Net interest margin | 4.0814% | 817 |
| Noninterest income to average assets | 1.0210% | 1,014 |
| Noninterest expense to average assets | 3.0473% | 1,335 |
| Loan and lease loss provision to assets | 0.1941% | 2,014 |
| Net operating income to assets | 1.5143% | 780 |
| Return on assets (ROA) | 1.5143% | 846 |
| Pretax return on assets | 1.5618% | 1,162 |
| Return on Equity (ROE) | 11.7972% | 1,381 |
| Retained earnings to average equity (ytd only) | 3.5694% | 3,050 |
| Net charge-offs to loans | 0.2091% | 829 |
| Credit loss provision to net charge-offs | 145.6876% | 2,453 |
| Earnings coverage of net charge-offs (x) | 13.1772% | 2,293 |
| Efficiency ratio | 63.4418% | 2,906 |
| Assets per employee ($millions) | 3.9182% | 4,432 |
| Cash dividends to net income (ytd only)* | 69.7436% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5448% | 1,447 |
| Loan loss allowance to noncurrent loans | 86.3686% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.1853% | 738 |
| Noncurrent loans to loans | 1.7886% | 702 |
| Net loans and leases to total assets | 58.2056% | 3,061 |
| Net loans and leases to deposits | 69.3020% | 2,954 |
| Net loans and leases to core deposits | 74.5447% | 2,858 |
| Total domestic deposits to total assets | 83.9884% | 3,110 |
| Equity capital to assets | 12.2085% | 1,476 |
| Core capital (leverage) ratio | 12.4718% | 1,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $321,926,600 | 2,180 |
| Average earning assets | $298,327,800 | 2,190 |
| Average equity | $41,323,200 | 1,978 |
| Average total loans | $205,142,400 | 2,194 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8409% | 822 |
| Cost of funding earning assets | 0.6935% | 2,061 |
| Net interest margin | 4.1474% | 813 |
| Noninterest income to average assets | 1.0293% | 982 |
| Noninterest expense to average assets | 3.0658% | 1,301 |
| Loan and lease loss provision to assets | 0.1581% | 2,430 |
| Net operating income to assets | 1.6014% | 724 |
| Return on assets (ROA) | 1.6014% | 792 |
| Pretax return on assets | 1.6508% | 1,068 |
| Return on Equity (ROE) | 12.3118% | 1,296 |
| Retained earnings to average equity (ytd only) | 4.0456% | 3,025 |
| Net charge-offs to loans | 0.1181% | 1,182 |
| Credit loss provision to net charge-offs | 206.0440% | 2,093 |
| Earnings coverage of net charge-offs (x) | 23.5714% | 1,789 |
| Efficiency ratio | 62.8925% | 2,931 |
| Assets per employee ($millions) | 3.6083% | 4,606 |
| Cash dividends to net income (ytd only)* | 67.1406% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4926% | 1,404 |
| Loan loss allowance to noncurrent loans | 68.5254% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.6071% | 506 |
| Noncurrent loans to loans | 2.1782% | 543 |
| Net loans and leases to total assets | 63.2320% | 2,857 |
| Net loans and leases to deposits | 76.2084% | 2,729 |
| Net loans and leases to core deposits | 82.2739% | 2,643 |
| Total domestic deposits to total assets | 82.9725% | 3,151 |
| Equity capital to assets | 12.7613% | 1,299 |
| Core capital (leverage) ratio | 12.5436% | 1,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,208,250 | 2,188 |
| Average earning assets | $293,187,000 | 2,199 |
| Average equity | $41,130,250 | 1,967 |
| Average total loans | $205,467,500 | 2,192 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9660% | 882 |
| Cost of funding earning assets | 0.7340% | 2,212 |
| Net interest margin | 4.2320% | 854 |
| Noninterest income to average assets | 1.0610% | 883 |
| Noninterest expense to average assets | 3.0106% | 1,550 |
| Loan and lease loss provision to assets | 0.1442% | 2,570 |
| Net operating income to assets | 1.7741% | 528 |
| Return on assets (ROA) | 1.7741% | 578 |
| Pretax return on assets | 1.8253% | 773 |
| Return on Equity (ROE) | 13.5493% | 963 |
| Retained earnings to average equity (ytd only) | 5.2308% | 2,372 |
| Net charge-offs to loans | 0.1826% | 827 |
| Credit loss provision to net charge-offs | 120.9677% | 2,274 |
| Earnings coverage of net charge-offs (x) | 16.5269% | 1,856 |
| Efficiency ratio | 60.4528% | 3,352 |
| Assets per employee ($millions) | 3.6956% | 4,550 |
| Cash dividends to net income (ytd only)* | 61.3940% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 1,451 |
| Loan loss allowance to noncurrent loans | 57.9957% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.7856% | 452 |
| Noncurrent loans to loans | 2.4806% | 475 |
| Net loans and leases to total assets | 62.3227% | 3,093 |
| Net loans and leases to deposits | 75.0771% | 2,963 |
| Net loans and leases to core deposits | 81.4481% | 2,822 |
| Total domestic deposits to total assets | 83.0116% | 3,080 |
| Equity capital to assets | 12.6711% | 1,297 |
| Core capital (leverage) ratio | 12.5934% | 1,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $312,160,667 | 2,187 |
| Average earning assets | $289,084,000 | 2,193 |
| Average equity | $40,873,000 | 1,961 |
| Average total loans | $203,700,333 | 2,192 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2766% | 577 |
| Cost of funding earning assets | 0.7660% | 2,573 |
| Net interest margin | 4.5107% | 491 |
| Noninterest income to average assets | 1.3062% | 526 |
| Noninterest expense to average assets | 3.1403% | 1,545 |
| Loan and lease loss provision to assets | 0.0988% | 2,449 |
| Net operating income to assets | 2.1963% | 183 |
| Return on assets (ROA) | 2.1963% | 200 |
| Pretax return on assets | 2.2542% | 261 |
| Return on Equity (ROE) | 16.4857% | 382 |
| Retained earnings to average equity (ytd only) | 8.0847% | 1,208 |
| Net charge-offs to loans | 0.1885% | 721 |
| Credit loss provision to net charge-offs | 78.9474% | 1,942 |
| Earnings coverage of net charge-offs (x) | 18.8105% | 1,454 |
| Efficiency ratio | 57.1668% | 4,096 |
| Assets per employee ($millions) | 3.3336% | 4,616 |
| Cash dividends to net income (ytd only)* | 50.9592% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 1,536 |
| Loan loss allowance to noncurrent loans | 52.3189% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 2.0234% | 409 |
| Noncurrent loans to loans | 2.7616% | 414 |
| Net loans and leases to total assets | 64.5327% | 3,001 |
| Net loans and leases to deposits | 79.0046% | 2,777 |
| Net loans and leases to core deposits | 85.6197% | 2,714 |
| Total domestic deposits to total assets | 81.6822% | 3,501 |
| Equity capital to assets | 13.2133% | 1,332 |
| Core capital (leverage) ratio | 13.3955% | 1,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,788,000 | 2,188 |
| Average earning assets | $281,999,000 | 2,188 |
| Average equity | $40,471,500 | 1,971 |
| Average total loans | $201,563,000 | 2,171 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4900% | 569 |
| Cost of funding earning assets | 0.7516% | 2,912 |
| Net interest margin | 4.7385% | 432 |
| Noninterest income to average assets | 1.0297% | 908 |
| Noninterest expense to average assets | 3.2951% | 1,307 |
| Loan and lease loss provision to assets | 0.2225% | 871 |
| Net operating income to assets | 1.8601% | 468 |
| Return on assets (ROA) | 1.8601% | 487 |
| Pretax return on assets | 1.9331% | 690 |
| Return on Equity (ROE) | 14.1614% | 868 |
| Retained earnings to average equity (ytd only) | 5.1731% | 2,323 |
| Net charge-offs to loans | 0.2900% | 720 |
| Credit loss provision to net charge-offs | 113.1261% | 2,221 |
| Earnings coverage of net charge-offs (x) | 10.9585% | 2,532 |
| Efficiency ratio | 60.4525% | 3,624 |
| Assets per employee ($millions) | 3.0995% | 4,764 |
| Cash dividends to net income (ytd only)* | 63.4703% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 1,291 |
| Loan loss allowance to noncurrent loans | 55.9386% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 2.3854% | 285 |
| Noncurrent loans to loans | 2.6378% | 395 |
| Net loans and leases to total assets | 66.2651% | 2,916 |
| Net loans and leases to deposits | 81.5727% | 2,607 |
| Net loans and leases to core deposits | 88.7133% | 2,540 |
| Total domestic deposits to total assets | 81.2344% | 3,715 |
| Equity capital to assets | 13.4358% | 1,308 |
| Core capital (leverage) ratio | 13.3743% | 1,093 |
| Tier 1 risk-based capital ratio | 22.2471% | 1,000 |
| Total risk-based capital ratio | 23.5022% | 970 |
| Memoranda: | ||
| Average total assets | $294,345,000 | 2,191 |
| Average earning assets | $274,624,400 | 2,179 |
| Average equity | $38,661,400 | 1,990 |
| Average total loans | $199,688,600 | 2,167 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4992% | 585 |
| Cost of funding earning assets | 0.7348% | 3,039 |
| Net interest margin | 4.7644% | 444 |
| Noninterest income to average assets | 0.9752% | 986 |
| Noninterest expense to average assets | 3.2172% | 1,432 |
| Loan and lease loss provision to assets | 0.2294% | 740 |
| Net operating income to assets | 1.9054% | 486 |
| Return on assets (ROA) | 1.9054% | 505 |
| Pretax return on assets | 1.9813% | 717 |
| Return on Equity (ROE) | 14.5914% | 871 |
| Retained earnings to average equity (ytd only) | 5.9827% | 2,378 |
| Net charge-offs to loans | 0.3240% | 534 |
| Credit loss provision to net charge-offs | 104.1237% | 2,176 |
| Earnings coverage of net charge-offs (x) | 10.0351% | 2,530 |
| Efficiency ratio | 59.2720% | 3,771 |
| Assets per employee ($millions) | 3.2668% | 4,694 |
| Cash dividends to net income (ytd only)* | 58.9989% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4565% | 1,374 |
| Loan loss allowance to noncurrent loans | 50.9945% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 2.4418% | 289 |
| Noncurrent loans to loans | 2.8562% | 363 |
| Net loans and leases to total assets | 65.9339% | 3,059 |
| Net loans and leases to deposits | 81.2126% | 2,776 |
| Net loans and leases to core deposits | 88.0423% | 2,724 |
| Total domestic deposits to total assets | 81.1868% | 3,697 |
| Equity capital to assets | 13.3516% | 1,432 |
| Core capital (leverage) ratio | 13.4513% | 1,150 |
| Tier 1 risk-based capital ratio | 21.7311% | 1,109 |
| Total risk-based capital ratio | 22.9855% | 1,077 |
| Memoranda: | ||
| Average total assets | $293,542,500 | 2,211 |
| Average earning assets | $274,335,250 | 2,197 |
| Average equity | $38,332,000 | 2,013 |
| Average total loans | $199,578,750 | 2,185 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4974% | 571 |
| Cost of funding earning assets | 0.7117% | 3,105 |
| Net interest margin | 4.7857% | 414 |
| Noninterest income to average assets | 0.9326% | 999 |
| Noninterest expense to average assets | 3.3596% | 1,174 |
| Loan and lease loss provision to assets | 0.2429% | 637 |
| Net operating income to assets | 1.7154% | 706 |
| Return on assets (ROA) | 1.7154% | 736 |
| Pretax return on assets | 1.7975% | 1,038 |
| Return on Equity (ROE) | 13.2369% | 1,173 |
| Retained earnings to average equity (ytd only) | 4.5249% | 3,010 |
| Net charge-offs to loans | 0.3533% | 473 |
| Credit loss provision to net charge-offs | 100.5666% | 1,955 |
| Earnings coverage of net charge-offs (x) | 8.4476% | 2,416 |
| Efficiency ratio | 62.2149% | 3,398 |
| Assets per employee ($millions) | 3.1783% | 4,783 |
| Cash dividends to net income (ytd only)* | 65.8157% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 1,447 |
| Loan loss allowance to noncurrent loans | 51.2186% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 2.4842% | 302 |
| Noncurrent loans to loans | 2.8187% | 378 |
| Net loans and leases to total assets | 67.2157% | 2,936 |
| Net loans and leases to deposits | 82.5689% | 2,669 |
| Net loans and leases to core deposits | 89.1048% | 2,680 |
| Total domestic deposits to total assets | 81.4056% | 3,692 |
| Equity capital to assets | 13.2491% | 1,470 |
| Core capital (leverage) ratio | 13.1456% | 1,236 |
| Tier 1 risk-based capital ratio | 21.5235% | 1,119 |
| Total risk-based capital ratio | 22.7781% | 1,094 |
| Memoranda: | ||
| Average total assets | $292,298,330 | 2,221 |
| Average earning assets | $272,856,000 | 2,210 |
| Average equity | $37,879,000 | 2,026 |
| Average total loans | $199,804,330 | 2,190 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4142% | 614 |
| Cost of funding earning assets | 0.6748% | 3,176 |
| Net interest margin | 4.7394% | 456 |
| Noninterest income to average assets | 0.8308% | 1,212 |
| Noninterest expense to average assets | 3.3711% | 1,159 |
| Loan and lease loss provision to assets | 0.1232% | 1,424 |
| Net operating income to assets | 1.6603% | 796 |
| Return on assets (ROA) | 1.6603% | 823 |
| Pretax return on assets | 1.7588% | 1,079 |
| Return on Equity (ROE) | 12.9566% | 1,231 |
| Retained earnings to average equity (ytd only) | 4.1444% | 3,261 |
| Net charge-offs to loans | 0.0800% | 1,285 |
| Credit loss provision to net charge-offs | 225.0000% | 977 |
| Earnings coverage of net charge-offs (x) | 34.3750% | 1,250 |
| Efficiency ratio | 64.1740% | 3,209 |
| Assets per employee ($millions) | 3.1291% | 4,892 |
| Cash dividends to net income (ytd only)* | 68.0132% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 1,495 |
| Loan loss allowance to noncurrent loans | 38.1219% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 3.0838% | 204 |
| Noncurrent loans to loans | 3.8165% | 215 |
| Net loans and leases to total assets | 66.6929% | 2,947 |
| Net loans and leases to deposits | 81.2222% | 2,703 |
| Net loans and leases to core deposits | 87.0450% | 2,774 |
| Total domestic deposits to total assets | 82.1117% | 3,696 |
| Equity capital to assets | 12.7440% | 1,601 |
| Core capital (leverage) ratio | 13.0481% | 1,250 |
| Tier 1 risk-based capital ratio | 21.0481% | 1,159 |
| Total risk-based capital ratio | 22.3027% | 1,136 |
| Memoranda: | ||
| Average total assets | $292,245,000 | 2,237 |
| Average earning assets | $272,692,000 | 2,221 |
| Average equity | $37,448,000 | 2,037 |
| Average total loans | $199,996,000 | 2,212 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0555% | 938 |
| Cost of funding earning assets | 0.6153% | 2,616 |
| Net interest margin | 4.4402% | 861 |
| Noninterest income to average assets | 1.0246% | 896 |
| Noninterest expense to average assets | 3.3247% | 1,266 |
| Loan and lease loss provision to assets | 0.1563% | 1,335 |
| Net operating income to assets | 1.6519% | 772 |
| Return on assets (ROA) | 1.6519% | 766 |
| Pretax return on assets | 1.7040% | 1,160 |
| Return on Equity (ROE) | 13.1902% | 1,274 |
| Retained earnings to average equity (ytd only) | 4.0381% | 3,342 |
| Net charge-offs to loans | 0.1218% | 1,516 |
| Credit loss provision to net charge-offs | 188.2845% | 1,516 |
| Earnings coverage of net charge-offs (x) | 22.4100% | 1,904 |
| Efficiency ratio | 64.1211% | 3,175 |
| Assets per employee ($millions) | 3.0235% | 4,982 |
| Cash dividends to net income (ytd only)* | 69.3860% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 1,460 |
| Loan loss allowance to noncurrent loans | 30.3705% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 4.0605% | 111 |
| Noncurrent loans to loans | 4.7648% | 123 |
| Net loans and leases to total assets | 68.2160% | 2,852 |
| Net loans and leases to deposits | 83.2849% | 2,594 |
| Net loans and leases to core deposits | 87.8523% | 2,764 |
| Total domestic deposits to total assets | 81.9068% | 3,664 |
| Equity capital to assets | 12.8862% | 1,398 |
| Core capital (leverage) ratio | 13.0387% | 1,233 |
| Tier 1 risk-based capital ratio | 20.8170% | 1,176 |
| Total risk-based capital ratio | 22.0709% | 1,158 |
| Memoranda: | ||
| Average total assets | $287,909,200 | 2,222 |
| Average earning assets | $269,765,600 | 2,199 |
| Average equity | $36,057,000 | 2,030 |
| Average total loans | $196,155,800 | 2,199 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9666% | 1,003 |
| Cost of funding earning assets | 0.6001% | 2,476 |
| Net interest margin | 4.3665% | 976 |
| Noninterest income to average assets | 1.0520% | 857 |
| Noninterest expense to average assets | 3.3115% | 1,278 |
| Loan and lease loss provision to assets | 0.1564% | 1,248 |
| Net operating income to assets | 1.6301% | 896 |
| Return on assets (ROA) | 1.6301% | 903 |
| Pretax return on assets | 1.6824% | 1,320 |
| Return on Equity (ROE) | 13.1104% | 1,385 |
| Retained earnings to average equity (ytd only) | 3.8974% | 3,822 |
| Net charge-offs to loans | 0.1234% | 1,279 |
| Credit loss provision to net charge-offs | 186.7403% | 1,465 |
| Earnings coverage of net charge-offs (x) | 21.9500% | 1,900 |
| Efficiency ratio | 64.2973% | 3,131 |
| Assets per employee ($millions) | 2.9727% | 5,052 |
| Cash dividends to net income (ytd only)* | 70.2727% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 1,622 |
| Loan loss allowance to noncurrent loans | 32.9443% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 3.4261% | 176 |
| Noncurrent loans to loans | 4.3148% | 179 |
| Net loans and leases to total assets | 67.8947% | 2,961 |
| Net loans and leases to deposits | 82.8024% | 2,733 |
| Net loans and leases to core deposits | 87.5088% | 2,873 |
| Total domestic deposits to total assets | 81.9961% | 3,611 |
| Equity capital to assets | 12.5401% | 1,561 |
| Core capital (leverage) ratio | 12.9626% | 1,297 |
| Tier 1 risk-based capital ratio | 20.5684% | 1,237 |
| Total risk-based capital ratio | 21.8220% | 1,213 |
| Memoranda: | ||
| Average total assets | $288,079,250 | 2,230 |
| Average earning assets | $270,387,000 | 2,205 |
| Average equity | $35,818,000 | 2,048 |
| Average total loans | $195,491,500 | 2,212 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8551% | 1,118 |
| Cost of funding earning assets | 0.5836% | 2,340 |
| Net interest margin | 4.2716% | 1,106 |
| Noninterest income to average assets | 0.9327% | 1,095 |
| Noninterest expense to average assets | 3.2890% | 1,347 |
| Loan and lease loss provision to assets | 0.1563% | 1,202 |
| Net operating income to assets | 1.4410% | 1,307 |
| Return on assets (ROA) | 1.4410% | 1,311 |
| Pretax return on assets | 1.4931% | 1,842 |
| Return on Equity (ROE) | 11.6232% | 1,863 |
| Retained earnings to average equity (ytd only) | 2.3807% | 4,322 |
| Net charge-offs to loans | 0.1646% | 942 |
| Credit loss provision to net charge-offs | 140.6250% | 1,642 |
| Earnings coverage of net charge-offs (x) | 14.8438% | 2,077 |
| Efficiency ratio | 66.6010% | 2,877 |
| Assets per employee ($millions) | 2.9539% | 5,129 |
| Cash dividends to net income (ytd only)* | 79.5181% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 1,851 |
| Loan loss allowance to noncurrent loans | 28.1227% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 3.7795% | 155 |
| Noncurrent loans to loans | 4.8727% | 143 |
| Net loans and leases to total assets | 67.9000% | 2,889 |
| Net loans and leases to deposits | 83.1420% | 2,631 |
| Net loans and leases to core deposits | 88.1455% | 2,703 |
| Total domestic deposits to total assets | 81.6675% | 3,825 |
| Equity capital to assets | 12.3536% | 1,629 |
| Core capital (leverage) ratio | 12.8765% | 1,286 |
| Tier 1 risk-based capital ratio | 21.1481% | 1,149 |
| Total risk-based capital ratio | 22.4020% | 1,124 |
| Memoranda: | ||
| Average total assets | $287,989,670 | 2,241 |
| Average earning assets | $270,065,330 | 2,209 |
| Average equity | $35,704,330 | 2,054 |
| Average total loans | $194,456,670 | 2,232 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7848% | 1,114 |
| Cost of funding earning assets | 0.5773% | 2,190 |
| Net interest margin | 4.2076% | 1,162 |
| Noninterest income to average assets | 0.9163% | 1,110 |
| Noninterest expense to average assets | 3.3338% | 1,282 |
| Loan and lease loss provision to assets | 0.1560% | 1,160 |
| Net operating income to assets | 1.3174% | 1,586 |
| Return on assets (ROA) | 1.3174% | 1,592 |
| Pretax return on assets | 1.3647% | 2,126 |
| Return on Equity (ROE) | 10.6067% | 2,125 |
| Retained earnings to average equity (ytd only) | 1.3567% | 4,528 |
| Net charge-offs to loans | 0.1021% | 1,173 |
| Credit loss provision to net charge-offs | 228.5714% | 959 |
| Earnings coverage of net charge-offs (x) | 22.2857% | 1,403 |
| Efficiency ratio | 68.6747% | 2,723 |
| Assets per employee ($millions) | 2.9172% | 5,207 |
| Cash dividends to net income (ytd only)* | 87.2093% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4056% | 1,818 |
| Loan loss allowance to noncurrent loans | 33.1713% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 3.1969% | 238 |
| Noncurrent loans to loans | 4.2375% | 219 |
| Net loans and leases to total assets | 66.2789% | 2,990 |
| Net loans and leases to deposits | 80.8452% | 2,713 |
| Net loans and leases to core deposits | 85.7423% | 2,826 |
| Total domestic deposits to total assets | 81.9824% | 3,972 |
| Equity capital to assets | 12.3013% | 1,598 |
| Core capital (leverage) ratio | 12.7160% | 1,287 |
| Tier 1 risk-based capital ratio | 20.0825% | 1,328 |
| Total risk-based capital ratio | 21.3358% | 1,297 |
| Memoranda: | ||
| Average total assets | $287,241,500 | 2,263 |
| Average earning assets | $268,850,000 | 2,232 |
| Average equity | $35,675,500 | 2,066 |
| Average total loans | $192,039,000 | 2,257 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0329% | 609 |
| Cost of funding earning assets | 0.5654% | 1,853 |
| Net interest margin | 4.4675% | 670 |
| Noninterest income to average assets | 0.9454% | 1,151 |
| Noninterest expense to average assets | 3.3334% | 1,313 |
| Loan and lease loss provision to assets | 0.1096% | 2,055 |
| Net operating income to assets | 1.6396% | 598 |
| Return on assets (ROA) | 1.6403% | 615 |
| Pretax return on assets | 1.6879% | 1,037 |
| Return on Equity (ROE) | 13.3000% | 884 |
| Retained earnings to average equity (ytd only) | 3.9894% | 2,804 |
| Net charge-offs to loans | 0.2446% | 1,066 |
| Credit loss provision to net charge-offs | 68.6275% | 3,105 |
| Earnings coverage of net charge-offs (x) | 11.2505% | 2,588 |
| Efficiency ratio | 64.9756% | 3,452 |
| Assets per employee ($millions) | 2.8856% | 5,268 |
| Cash dividends to net income (ytd only)* | 70.0042% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 1,752 |
| Loan loss allowance to noncurrent loans | 45.9259% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 2.3779% | 413 |
| Noncurrent loans to loans | 3.0564% | 359 |
| Net loans and leases to total assets | 65.5515% | 3,153 |
| Net loans and leases to deposits | 80.4424% | 2,868 |
| Net loans and leases to core deposits | 85.2825% | 2,962 |
| Total domestic deposits to total assets | 81.4888% | 4,001 |
| Equity capital to assets | 12.5401% | 1,492 |
| Core capital (leverage) ratio | 12.6367% | 1,292 |
| Tier 1 risk-based capital ratio | 20.3318% | 1,257 |
| Total risk-based capital ratio | 21.5849% | 1,227 |
| Memoranda: | ||
| Average total assets | $287,393,200 | 2,242 |
| Average earning assets | $269,209,600 | 2,213 |
| Average equity | $35,443,600 | 2,054 |
| Average total loans | $187,667,200 | 2,257 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9429% | 692 |
| Cost of funding earning assets | 0.5572% | 1,834 |
| Net interest margin | 4.3857% | 746 |
| Noninterest income to average assets | 0.9686% | 1,095 |
| Noninterest expense to average assets | 3.2691% | 1,409 |
| Loan and lease loss provision to assets | 0.1112% | 1,926 |
| Net operating income to assets | 1.6496% | 641 |
| Return on assets (ROA) | 1.6505% | 659 |
| Pretax return on assets | 1.6982% | 1,130 |
| Return on Equity (ROE) | 13.4392% | 949 |
| Retained earnings to average equity (ytd only) | 4.1038% | 3,473 |
| Net charge-offs to loans | 0.1682% | 1,235 |
| Credit loss provision to net charge-offs | 101.6949% | 2,246 |
| Earnings coverage of net charge-offs (x) | 16.5423% | 2,164 |
| Efficiency ratio | 64.3828% | 3,472 |
| Assets per employee ($millions) | 3.0816% | 5,195 |
| Cash dividends to net income (ytd only)* | 69.4640% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4647% | 1,661 |
| Loan loss allowance to noncurrent loans | 75.7878% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.7757% | 789 |
| Noncurrent loans to loans | 1.9327% | 894 |
| Net loans and leases to total assets | 66.0541% | 3,094 |
| Net loans and leases to deposits | 81.3175% | 2,845 |
| Net loans and leases to core deposits | 85.7595% | 2,989 |
| Total domestic deposits to total assets | 81.2298% | 3,987 |
| Equity capital to assets | 12.6244% | 1,588 |
| Core capital (leverage) ratio | 12.5967% | 1,381 |
| Tier 1 risk-based capital ratio | 19.7671% | 1,418 |
| Total risk-based capital ratio | 21.0209% | 1,377 |
| Memoranda: | ||
| Average total assets | $287,822,500 | 2,249 |
| Average earning assets | $269,657,250 | 2,226 |
| Average equity | $35,348,500 | 2,066 |
| Average total loans | $187,101,250 | 2,279 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9473% | 626 |
| Cost of funding earning assets | 0.5492% | 1,782 |
| Net interest margin | 4.3981% | 708 |
| Noninterest income to average assets | 0.8646% | 1,377 |
| Noninterest expense to average assets | 3.2376% | 1,501 |
| Loan and lease loss provision to assets | 0.1041% | 1,946 |
| Net operating income to assets | 1.6029% | 707 |
| Return on assets (ROA) | 1.6043% | 723 |
| Pretax return on assets | 1.6528% | 1,185 |
| Return on Equity (ROE) | 13.1846% | 986 |
| Retained earnings to average equity (ytd only) | 3.7752% | 3,438 |
| Net charge-offs to loans | 0.1586% | 1,215 |
| Credit loss provision to net charge-offs | 102.0408% | 1,979 |
| Earnings coverage of net charge-offs (x) | 17.2109% | 1,939 |
| Efficiency ratio | 64.8416% | 3,526 |
| Assets per employee ($millions) | 3.0432% | 5,225 |
| Cash dividends to net income (ytd only)* | 71.3668% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 1,568 |
| Loan loss allowance to noncurrent loans | 94.8415% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.3120% | 1,254 |
| Noncurrent loans to loans | 1.5846% | 1,168 |
| Net loans and leases to total assets | 63.7703% | 3,420 |
| Net loans and leases to deposits | 78.2683% | 3,090 |
| Net loans and leases to core deposits | 81.9393% | 3,259 |
| Total domestic deposits to total assets | 81.4765% | 4,054 |
| Equity capital to assets | 12.2947% | 1,736 |
| Core capital (leverage) ratio | 12.3756% | 1,431 |
| Tier 1 risk-based capital ratio | 19.9412% | 1,382 |
| Total risk-based capital ratio | 21.1950% | 1,342 |
| Memoranda: | ||
| Average total assets | $288,234,000 | 2,248 |
| Average earning assets | $270,571,000 | 2,234 |
| Average equity | $35,071,330 | 2,072 |
| Average total loans | $185,429,330 | 2,302 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9324% | 585 |
| Cost of funding earning assets | 0.5444% | 1,751 |
| Net interest margin | 4.3879% | 653 |
| Noninterest income to average assets | 0.9799% | 1,044 |
| Noninterest expense to average assets | 3.2314% | 1,521 |
| Loan and lease loss provision to assets | 0.1042% | 1,833 |
| Net operating income to assets | 1.7179% | 533 |
| Return on assets (ROA) | 1.7193% | 542 |
| Pretax return on assets | 1.7679% | 865 |
| Return on Equity (ROE) | 14.2043% | 766 |
| Retained earnings to average equity (ytd only) | 4.7309% | 3,047 |
| Net charge-offs to loans | 0.1452% | 1,080 |
| Credit loss provision to net charge-offs | 111.9403% | 1,464 |
| Earnings coverage of net charge-offs (x) | 20.0896% | 1,500 |
| Efficiency ratio | 63.3342% | 3,937 |
| Assets per employee ($millions) | 3.1117% | 5,257 |
| Cash dividends to net income (ytd only)* | 66.6936% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 1,594 |
| Loan loss allowance to noncurrent loans | 135.9383% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 1.0773% | 1,663 |
| Noncurrent loans to loans | 1.1239% | 1,816 |
| Net loans and leases to total assets | 62.0944% | 3,523 |
| Net loans and leases to deposits | 76.0295% | 3,192 |
| Net loans and leases to core deposits | 79.1637% | 3,370 |
| Total domestic deposits to total assets | 81.6715% | 4,255 |
| Equity capital to assets | 12.0017% | 1,843 |
| Core capital (leverage) ratio | 12.4052% | 1,386 |
| Tier 1 risk-based capital ratio | 20.0454% | 1,380 |
| Total risk-based capital ratio | 21.2998% | 1,348 |
| Memoranda: | ||
| Average total assets | $287,797,000 | 2,271 |
| Average earning assets | $270,377,000 | 2,247 |
| Average equity | $34,834,500 | 2,090 |
| Average total loans | $184,555,000 | 2,321 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7934% | 904 |
| Cost of funding earning assets | 0.5609% | 1,601 |
| Net interest margin | 4.2325% | 1,050 |
| Noninterest income to average assets | 0.7976% | 1,749 |
| Noninterest expense to average assets | 3.2364% | 1,710 |
| Loan and lease loss provision to assets | 0.0875% | 2,615 |
| Net operating income to assets | 1.4097% | 997 |
| Return on assets (ROA) | 1.4144% | 1,000 |
| Pretax return on assets | 1.4677% | 1,690 |
| Return on Equity (ROE) | 11.6789% | 1,345 |
| Retained earnings to average equity (ytd only) | 2.2115% | 4,276 |
| Net charge-offs to loans | 0.3805% | 710 |
| Credit loss provision to net charge-offs | 36.6569% | 3,526 |
| Earnings coverage of net charge-offs (x) | 6.4927% | 3,167 |
| Efficiency ratio | 67.6126% | 3,320 |
| Assets per employee ($millions) | 3.0771% | 5,288 |
| Cash dividends to net income (ytd only)* | 81.0644% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5217% | 1,595 |
| Loan loss allowance to noncurrent loans | 85.9853% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.5023% | 1,106 |
| Noncurrent loans to loans | 1.7697% | 1,079 |
| Net loans and leases to total assets | 64.2387% | 3,326 |
| Net loans and leases to deposits | 78.9086% | 3,003 |
| Net loans and leases to core deposits | 82.4998% | 3,172 |
| Total domestic deposits to total assets | 81.4090% | 4,229 |
| Equity capital to assets | 12.2094% | 1,678 |
| Core capital (leverage) ratio | 12.2654% | 1,445 |
| Tier 1 risk-based capital ratio | 19.7549% | 1,427 |
| Total risk-based capital ratio | 21.0091% | 1,393 |
| Memoranda: | ||
| Average total assets | $285,623,600 | 2,243 |
| Average earning assets | $269,201,600 | 2,218 |
| Average equity | $34,592,400 | 2,101 |
| Average total loans | $179,247,600 | 2,320 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7107% | 1,043 |
| Cost of funding earning assets | 0.5590% | 1,616 |
| Net interest margin | 4.1517% | 1,245 |
| Noninterest income to average assets | 0.8291% | 1,650 |
| Noninterest expense to average assets | 3.1887% | 1,806 |
| Loan and lease loss provision to assets | 0.1164% | 1,988 |
| Net operating income to assets | 1.3840% | 1,096 |
| Return on assets (ROA) | 1.3889% | 1,147 |
| Pretax return on assets | 1.4448% | 1,899 |
| Return on Equity (ROE) | 11.4912% | 1,494 |
| Retained earnings to average equity (ytd only) | 2.0501% | 4,665 |
| Net charge-offs to loans | 0.4212% | 513 |
| Credit loss provision to net charge-offs | 44.4840% | 3,104 |
| Earnings coverage of net charge-offs (x) | 5.9449% | 3,060 |
| Efficiency ratio | 67.2033% | 3,382 |
| Assets per employee ($millions) | 3.1788% | 5,209 |
| Cash dividends to net income (ytd only)* | 82.1598% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6074% | 1,446 |
| Loan loss allowance to noncurrent loans | 61.4771% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 1.9484% | 809 |
| Noncurrent loans to loans | 2.6146% | 646 |
| Net loans and leases to total assets | 62.0031% | 3,635 |
| Net loans and leases to deposits | 76.1298% | 3,389 |
| Net loans and leases to core deposits | 79.4049% | 3,511 |
| Total domestic deposits to total assets | 81.4439% | 4,121 |
| Equity capital to assets | 12.0812% | 2,056 |
| Core capital (leverage) ratio | 12.0613% | 1,635 |
| Tier 1 risk-based capital ratio | 19.7701% | 1,491 |
| Total risk-based capital ratio | 21.0252% | 1,453 |
| Memoranda: | ||
| Average total assets | $286,256,000 | 2,246 |
| Average earning assets | $269,988,500 | 2,218 |
| Average equity | $34,599,500 | 2,108 |
| Average total loans | $177,893,000 | 2,332 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6315% | 1,201 |
| Cost of funding earning assets | 0.5514% | 1,687 |
| Net interest margin | 4.0801% | 1,417 |
| Noninterest income to average assets | 0.7923% | 1,747 |
| Noninterest expense to average assets | 3.1376% | 1,956 |
| Loan and lease loss provision to assets | 0.1753% | 1,252 |
| Net operating income to assets | 1.2678% | 1,366 |
| Return on assets (ROA) | 1.2712% | 1,470 |
| Pretax return on assets | 1.3322% | 2,275 |
| Return on Equity (ROE) | 10.5151% | 1,844 |
| Retained earnings to average equity (ytd only) | 1.0904% | 4,946 |
| Net charge-offs to loans | 0.3594% | 647 |
| Credit loss provision to net charge-offs | 78.8644% | 2,379 |
| Earnings coverage of net charge-offs (x) | 6.7666% | 2,707 |
| Efficiency ratio | 67.5982% | 3,427 |
| Assets per employee ($millions) | 3.2200% | 5,178 |
| Cash dividends to net income (ytd only)* | 89.6304% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7568% | 1,164 |
| Loan loss allowance to noncurrent loans | 63.1715% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 2.3227% | 641 |
| Noncurrent loans to loans | 2.7810% | 574 |
| Net loans and leases to total assets | 60.5925% | 3,806 |
| Net loans and leases to deposits | 73.9884% | 3,595 |
| Net loans and leases to core deposits | 77.0904% | 3,727 |
| Total domestic deposits to total assets | 81.8946% | 4,024 |
| Equity capital to assets | 11.8581% | 2,227 |
| Core capital (leverage) ratio | 12.1471% | 1,545 |
| Tier 1 risk-based capital ratio | 19.6924% | 1,524 |
| Total risk-based capital ratio | 20.9493% | 1,485 |
| Memoranda: | ||
| Average total assets | $285,252,000 | 2,261 |
| Average earning assets | $269,113,670 | 2,240 |
| Average equity | $34,483,670 | 2,122 |
| Average total loans | $176,429,000 | 2,349 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7414% | 968 |
| Cost of funding earning assets | 0.5500% | 1,713 |
| Net interest margin | 4.1914% | 1,115 |
| Noninterest income to average assets | 0.7975% | 1,624 |
| Noninterest expense to average assets | 3.1802% | 1,886 |
| Loan and lease loss provision to assets | 0.2132% | 910 |
| Net operating income to assets | 1.2695% | 1,339 |
| Return on assets (ROA) | 1.2695% | 1,435 |
| Pretax return on assets | 1.3477% | 2,103 |
| Return on Equity (ROE) | 10.3982% | 1,820 |
| Retained earnings to average equity (ytd only) | 1.0829% | 4,806 |
| Net charge-offs to loans | 0.5623% | 392 |
| Credit loss provision to net charge-offs | 61.2245% | 1,973 |
| Earnings coverage of net charge-offs (x) | 4.4816% | 2,429 |
| Efficiency ratio | 67.0765% | 3,622 |
| Assets per employee ($millions) | 3.1282% | 5,365 |
| Cash dividends to net income (ytd only)* | 89.5857% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8128% | 1,127 |
| Loan loss allowance to noncurrent loans | 78.0893% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.9880% | 874 |
| Noncurrent loans to loans | 2.3214% | 856 |
| Net loans and leases to total assets | 59.8787% | 3,789 |
| Net loans and leases to deposits | 73.5890% | 3,488 |
| Net loans and leases to core deposits | 76.5492% | 3,631 |
| Total domestic deposits to total assets | 81.3691% | 4,386 |
| Equity capital to assets | 12.1102% | 1,950 |
| Core capital (leverage) ratio | 12.3115% | 1,426 |
| Tier 1 risk-based capital ratio | 20.6405% | 1,378 |
| Total risk-based capital ratio | 21.8985% | 1,351 |
| Memoranda: | ||
| Average total assets | $281,366,500 | 2,304 |
| Average earning assets | $264,729,500 | 2,271 |
| Average equity | $34,352,000 | 2,121 |
| Average total loans | $174,281,000 | 2,366 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8600% | 837 |
| Cost of funding earning assets | 0.5711% | 1,586 |
| Net interest margin | 4.2889% | 981 |
| Noninterest income to average assets | 0.7141% | 2,133 |
| Noninterest expense to average assets | 3.1182% | 2,178 |
| Loan and lease loss provision to assets | 0.0358% | 3,631 |
| Net operating income to assets | 1.5349% | 804 |
| Return on assets (ROA) | 1.5349% | 835 |
| Pretax return on assets | 1.5693% | 1,344 |
| Return on Equity (ROE) | 12.7331% | 1,114 |
| Retained earnings to average equity (ytd only) | 3.6678% | 3,446 |
| Net charge-offs to loans | 0.2384% | 1,251 |
| Credit loss provision to net charge-offs | 23.9808% | 3,712 |
| Earnings coverage of net charge-offs (x) | 10.7434% | 2,659 |
| Efficiency ratio | 66.0168% | 3,900 |
| Assets per employee ($millions) | 3.0225% | 5,503 |
| Cash dividends to net income (ytd only)* | 71.1951% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8530% | 1,047 |
| Loan loss allowance to noncurrent loans | 67.1917% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 2.3516% | 682 |
| Noncurrent loans to loans | 2.7577% | 631 |
| Net loans and leases to total assets | 61.7544% | 3,590 |
| Net loans and leases to deposits | 76.0642% | 3,243 |
| Net loans and leases to core deposits | 79.3231% | 3,413 |
| Total domestic deposits to total assets | 81.1872% | 4,431 |
| Equity capital to assets | 12.3102% | 1,733 |
| Core capital (leverage) ratio | 12.3118% | 1,448 |
| Tier 1 risk-based capital ratio | 20.4792% | 1,388 |
| Total risk-based capital ratio | 21.7380% | 1,362 |
| Memoranda: | ||
| Average total assets | $279,103,000 | 2,280 |
| Average earning assets | $260,903,200 | 2,258 |
| Average equity | $33,644,600 | 2,115 |
| Average total loans | $174,900,400 | 2,297 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8617% | 832 |
| Cost of funding earning assets | 0.5721% | 1,607 |
| Net interest margin | 4.2896% | 975 |
| Noninterest income to average assets | 0.7040% | 2,213 |
| Noninterest expense to average assets | 3.1237% | 2,159 |
| Loan and lease loss provision to assets | 0.0239% | 3,797 |
| Net operating income to assets | 1.5277% | 882 |
| Return on assets (ROA) | 1.5277% | 917 |
| Pretax return on assets | 1.5611% | 1,500 |
| Return on Equity (ROE) | 12.7407% | 1,188 |
| Retained earnings to average equity (ytd only) | 3.7852% | 3,774 |
| Net charge-offs to loans | 0.2668% | 992 |
| Credit loss provision to net charge-offs | 14.2857% | 3,415 |
| Earnings coverage of net charge-offs (x) | 9.4885% | 2,691 |
| Efficiency ratio | 66.3389% | 3,830 |
| Assets per employee ($millions) | 2.8907% | 5,664 |
| Cash dividends to net income (ytd only)* | 70.2907% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8926% | 1,087 |
| Loan loss allowance to noncurrent loans | 81.4954% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 2.1102% | 933 |
| Noncurrent loans to loans | 2.3223% | 914 |
| Net loans and leases to total assets | 60.8783% | 3,751 |
| Net loans and leases to deposits | 74.9297% | 3,428 |
| Net loans and leases to core deposits | 78.1501% | 3,598 |
| Total domestic deposits to total assets | 81.2473% | 4,411 |
| Equity capital to assets | 12.2916% | 1,878 |
| Core capital (leverage) ratio | 12.1161% | 1,610 |
| Tier 1 risk-based capital ratio | 20.6666% | 1,409 |
| Total risk-based capital ratio | 21.9255% | 1,373 |
| Memoranda: | ||
| Average total assets | $279,361,000 | 2,293 |
| Average earning assets | $260,809,250 | 2,278 |
| Average equity | $33,498,000 | 2,131 |
| Average total loans | $174,884,750 | 2,310 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8128% | 872 |
| Cost of funding earning assets | 0.5764% | 1,601 |
| Net interest margin | 4.2364% | 1,035 |
| Noninterest income to average assets | 0.7101% | 2,173 |
| Noninterest expense to average assets | 3.1009% | 2,240 |
| Loan and lease loss provision to assets | 0.0357% | 3,412 |
| Net operating income to assets | 1.4851% | 924 |
| Return on assets (ROA) | 1.4851% | 972 |
| Pretax return on assets | 1.5165% | 1,598 |
| Return on Equity (ROE) | 12.4887% | 1,229 |
| Retained earnings to average equity (ytd only) | 3.7785% | 3,604 |
| Net charge-offs to loans | 0.1934% | 1,295 |
| Credit loss provision to net charge-offs | 29.4118% | 2,933 |
| Earnings coverage of net charge-offs (x) | 12.7824% | 2,178 |
| Efficiency ratio | 66.6411% | 3,891 |
| Assets per employee ($millions) | 2.9575% | 5,645 |
| Cash dividends to net income (ytd only)* | 69.7451% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9552% | 1,063 |
| Loan loss allowance to noncurrent loans | 60.5778% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 2.6943% | 666 |
| Noncurrent loans to loans | 3.2275% | 581 |
| Net loans and leases to total assets | 61.3800% | 3,639 |
| Net loans and leases to deposits | 75.3141% | 3,340 |
| Net loans and leases to core deposits | 78.5275% | 3,526 |
| Total domestic deposits to total assets | 81.4986% | 4,448 |
| Equity capital to assets | 11.9589% | 2,062 |
| Core capital (leverage) ratio | 11.9963% | 1,664 |
| Tier 1 risk-based capital ratio | 19.7344% | 1,614 |
| Total risk-based capital ratio | 20.9938% | 1,570 |
| Memoranda: | ||
| Average total assets | $279,979,330 | 2,305 |
| Average earning assets | $260,598,670 | 2,292 |
| Average equity | $33,294,000 | 2,154 |
| Average total loans | $175,779,670 | 2,305 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 882 |
| Cost of funding earning assets | 0.5747% | 1,620 |
| Net interest margin | 4.2146% | 1,031 |
| Noninterest income to average assets | 0.7385% | 1,972 |
| Noninterest expense to average assets | 3.0570% | 2,409 |
| Loan and lease loss provision to assets | 0.0716% | 2,510 |
| Net operating income to assets | 1.5099% | 831 |
| Return on assets (ROA) | 1.5099% | 882 |
| Pretax return on assets | 1.5357% | 1,436 |
| Return on Equity (ROE) | 12.7335% | 1,153 |
| Retained earnings to average equity (ytd only) | 4.8882% | 3,116 |
| Net charge-offs to loans | 0.2914% | 822 |
| Credit loss provision to net charge-offs | 39.0625% | 2,194 |
| Earnings coverage of net charge-offs (x) | 8.7734% | 2,061 |
| Efficiency ratio | 65.5416% | 4,228 |
| Assets per employee ($millions) | 2.9483% | 5,735 |
| Cash dividends to net income (ytd only)* | 61.6114% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0085% | 1,062 |
| Loan loss allowance to noncurrent loans | 54.8880% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 3.0706% | 604 |
| Noncurrent loans to loans | 3.6593% | 503 |
| Net loans and leases to total assets | 60.0040% | 3,649 |
| Net loans and leases to deposits | 73.3867% | 3,384 |
| Net loans and leases to core deposits | 76.8461% | 3,510 |
| Total domestic deposits to total assets | 81.7642% | 4,579 |
| Equity capital to assets | 11.8324% | 2,167 |
| Core capital (leverage) ratio | 11.9715% | 1,654 |
| Tier 1 risk-based capital ratio | 19.7756% | 1,675 |
| Total risk-based capital ratio | 21.0354% | 1,635 |
| Memoranda: | ||
| Average total assets | $279,487,500 | 2,315 |
| Average earning assets | $260,331,000 | 2,309 |
| Average equity | $33,141,000 | 2,167 |
| Average total loans | $175,722,500 | 2,306 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9184% | 894 |
| Cost of funding earning assets | 0.6685% | 1,276 |
| Net interest margin | 4.2499% | 1,163 |
| Noninterest income to average assets | 0.4867% | 3,611 |
| Noninterest expense to average assets | 3.3149% | 1,893 |
| Loan and lease loss provision to assets | 0.0588% | 3,359 |
| Net operating income to assets | 1.0351% | 2,236 |
| Return on assets (ROA) | 1.0351% | 2,315 |
| Pretax return on assets | 1.0615% | 3,252 |
| Return on Equity (ROE) | 8.9431% | 2,619 |
| Retained earnings to average equity (ytd only) | 2.7861% | 4,257 |
| Net charge-offs to loans | 0.2379% | 1,776 |
| Credit loss provision to net charge-offs | 38.6417% | 3,701 |
| Earnings coverage of net charge-offs (x) | 7.3630% | 3,042 |
| Efficiency ratio | 74.7409% | 2,712 |
| Assets per employee ($millions) | 2.8744% | 5,857 |
| Cash dividends to net income (ytd only)* | 68.8468% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9980% | 1,118 |
| Loan loss allowance to noncurrent loans | 49.9019% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 3.5544% | 522 |
| Noncurrent loans to loans | 4.0038% | 464 |
| Net loans and leases to total assets | 63.2647% | 3,326 |
| Net loans and leases to deposits | 77.3716% | 3,041 |
| Net loans and leases to core deposits | 81.1140% | 3,188 |
| Total domestic deposits to total assets | 81.7673% | 4,501 |
| Equity capital to assets | 11.8838% | 2,103 |
| Core capital (leverage) ratio | 11.8702% | 1,720 |
| Tier 1 risk-based capital ratio | 19.5316% | 1,715 |
| Total risk-based capital ratio | 20.7922% | 1,676 |
| Memoranda: | ||
| Average total assets | $280,643,800 | 2,273 |
| Average earning assets | $260,732,800 | 2,267 |
| Average equity | $32,483,200 | 2,141 |
| Average total loans | $179,513,400 | 2,231 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8404% | 1,033 |
| Cost of funding earning assets | 0.6848% | 1,230 |
| Net interest margin | 4.1556% | 1,411 |
| Noninterest income to average assets | 0.6789% | 2,429 |
| Noninterest expense to average assets | 3.2611% | 1,992 |
| Loan and lease loss provision to assets | 0.0544% | 3,284 |
| Net operating income to assets | 1.1955% | 1,689 |
| Return on assets (ROA) | 1.1955% | 1,764 |
| Pretax return on assets | 1.2220% | 2,691 |
| Return on Equity (ROE) | 10.3970% | 2,037 |
| Retained earnings to average equity (ytd only) | 4.8426% | 3,188 |
| Net charge-offs to loans | 0.2016% | 1,852 |
| Credit loss provision to net charge-offs | 42.2794% | 3,251 |
| Earnings coverage of net charge-offs (x) | 9.9190% | 2,605 |
| Efficiency ratio | 71.8695% | 3,205 |
| Assets per employee ($millions) | 2.8340% | 5,928 |
| Cash dividends to net income (ytd only)* | 53.4232% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0697% | 1,134 |
| Loan loss allowance to noncurrent loans | 49.7691% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 3.9952% | 493 |
| Noncurrent loans to loans | 4.1587% | 493 |
| Net loans and leases to total assets | 62.4211% | 3,423 |
| Net loans and leases to deposits | 76.7916% | 3,096 |
| Net loans and leases to core deposits | 80.6794% | 3,227 |
| Total domestic deposits to total assets | 81.2863% | 4,738 |
| Equity capital to assets | 11.9082% | 2,140 |
| Core capital (leverage) ratio | 11.8778% | 1,771 |
| Tier 1 risk-based capital ratio | 19.9376% | 1,687 |
| Total risk-based capital ratio | 21.1991% | 1,655 |
| Memoranda: | ||
| Average total assets | $281,820,000 | 2,275 |
| Average earning assets | $261,678,000 | 2,275 |
| Average equity | $32,406,000 | 2,148 |
| Average total loans | $179,859,000 | 2,244 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7873% | 1,094 |
| Cost of funding earning assets | 0.6992% | 1,193 |
| Net interest margin | 4.0881% | 1,548 |
| Noninterest income to average assets | 0.6907% | 2,327 |
| Noninterest expense to average assets | 3.3109% | 1,893 |
| Loan and lease loss provision to assets | 0.0600% | 3,070 |
| Net operating income to assets | 1.0876% | 1,980 |
| Return on assets (ROA) | 1.0876% | 2,038 |
| Pretax return on assets | 1.1145% | 3,041 |
| Return on Equity (ROE) | 9.5701% | 2,344 |
| Retained earnings to average equity (ytd only) | 3.9772% | 3,655 |
| Net charge-offs to loans | 0.2721% | 1,457 |
| Credit loss provision to net charge-offs | 34.5528% | 2,992 |
| Earnings coverage of net charge-offs (x) | 6.7602% | 2,726 |
| Efficiency ratio | 73.8151% | 3,006 |
| Assets per employee ($millions) | 2.8633% | 5,944 |
| Cash dividends to net income (ytd only)* | 58.4416% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0501% | 1,277 |
| Loan loss allowance to noncurrent loans | 55.5809% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 3.8361% | 579 |
| Noncurrent loans to loans | 3.6884% | 691 |
| Net loans and leases to total assets | 61.6915% | 3,453 |
| Net loans and leases to deposits | 75.4194% | 3,137 |
| Net loans and leases to core deposits | 79.4400% | 3,271 |
| Total domestic deposits to total assets | 81.7979% | 4,716 |
| Equity capital to assets | 11.4954% | 2,429 |
| Core capital (leverage) ratio | 11.5718% | 1,946 |
| Tier 1 risk-based capital ratio | 19.7137% | 1,758 |
| Total risk-based capital ratio | 20.9754% | 1,719 |
| Memoranda: | ||
| Average total assets | $283,182,330 | 2,270 |
| Average earning assets | $262,862,330 | 2,265 |
| Average equity | $32,183,670 | 2,152 |
| Average total loans | $180,802,670 | 2,222 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9588% | 780 |
| Cost of funding earning assets | 0.6707% | 1,437 |
| Net interest margin | 4.2881% | 1,022 |
| Noninterest income to average assets | 1.0766% | 962 |
| Noninterest expense to average assets | 3.2761% | 2,002 |
| Loan and lease loss provision to assets | 0.1010% | 2,237 |
| Net operating income to assets | 1.6857% | 588 |
| Return on assets (ROA) | 1.6857% | 605 |
| Pretax return on assets | 1.6857% | 1,003 |
| Return on Equity (ROE) | 13.9663% | 950 |
| Retained earnings to average equity (ytd only) | 3.2046% | 4,199 |
| Net charge-offs to loans | 0.2951% | 1,180 |
| Credit loss provision to net charge-offs | 50.0000% | 2,203 |
| Earnings coverage of net charge-offs (x) | 8.8429% | 1,987 |
| Efficiency ratio | 64.7092% | 4,742 |
| Assets per employee ($millions) | 2.7969% | 6,100 |
| Cash dividends to net income (ytd only)* | 77.0548% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0822% | 1,362 |
| Loan loss allowance to noncurrent loans | 41.5846% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 3.9622% | 605 |
| Noncurrent loans to loans | 5.0072% | 446 |
| Net loans and leases to total assets | 66.7155% | 2,444 |
| Net loans and leases to deposits | 85.3152% | 1,696 |
| Net loans and leases to core deposits | 88.2127% | 2,069 |
| Total domestic deposits to total assets | 78.1989% | 5,800 |
| Equity capital to assets | 12.0282% | 1,849 |
| Core capital (leverage) ratio | 12.1865% | 1,547 |
| Tier 1 risk-based capital ratio | 19.7772% | 1,774 |
| Total risk-based capital ratio | 21.0405% | 1,739 |
| Memoranda: | ||
| Average total assets | $138,581,500 | 3,908 |
| Average earning assets | $128,820,500 | 3,869 |
| Average equity | $16,726,000 | 3,589 |
| Average total loans | $94,888,500 | 3,585 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2343% | 595 |
| Cost of funding earning assets | 0.7795% | 1,323 |
| Net interest margin | 4.4547% | 815 |
| Noninterest income to average assets | 0.8281% | 1,946 |
| Noninterest expense to average assets | 3.3238% | 2,076 |
| Loan and lease loss provision to assets | 0.1012% | 3,111 |
| Net operating income to assets | 1.5440% | 761 |
| Return on assets (ROA) | 1.5505% | 781 |
| Pretax return on assets | 1.5505% | 1,298 |
| Return on Equity (ROE) | 12.8921% | 1,186 |
| Retained earnings to average equity (ytd only) | 2.0685% | 4,767 |
| Net charge-offs to loans | 0.2027% | 2,851 |
| Credit loss provision to net charge-offs | 70.3518% | 3,299 |
| Earnings coverage of net charge-offs (x) | 11.4322% | 2,242 |
| Efficiency ratio | 66.8898% | 4,392 |
| Assets per employee ($millions) | 2.7463% | 6,171 |
| Cash dividends to net income (ytd only)* | 83.9552% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1366% | 1,272 |
| Loan loss allowance to noncurrent loans | 39.8539% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 4.2842% | 596 |
| Noncurrent loans to loans | 5.3612% | 432 |
| Net loans and leases to total assets | 67.3442% | 2,466 |
| Net loans and leases to deposits | 87.8531% | 1,480 |
| Net loans and leases to core deposits | 91.4164% | 1,858 |
| Total domestic deposits to total assets | 76.6555% | 6,035 |
| Equity capital to assets | 12.1114% | 1,738 |
| Core capital (leverage) ratio | 12.0192% | 1,594 |
| Tier 1 risk-based capital ratio | 19.9139% | 1,675 |
| Total risk-based capital ratio | 21.1783% | 1,644 |
| Memoranda: | ||
| Average total assets | $138,274,600 | 3,913 |
| Average earning assets | $128,537,000 | 3,876 |
| Average equity | $16,630,400 | 3,608 |
| Average total loans | $98,177,000 | 3,495 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2465% | 592 |
| Cost of funding earning assets | 0.7903% | 1,381 |
| Net interest margin | 4.4562% | 795 |
| Noninterest income to average assets | 0.7893% | 2,203 |
| Noninterest expense to average assets | 3.2381% | 2,234 |
| Loan and lease loss provision to assets | 0.1059% | 2,991 |
| Net operating income to assets | 1.5921% | 757 |
| Return on assets (ROA) | 1.5921% | 805 |
| Pretax return on assets | 1.5921% | 1,352 |
| Return on Equity (ROE) | 13.2607% | 1,183 |
| Retained earnings to average equity (ytd only) | 2.4372% | 4,869 |
| Net charge-offs to loans | 0.1278% | 3,248 |
| Credit loss provision to net charge-offs | 115.7895% | 2,035 |
| Earnings coverage of net charge-offs (x) | 18.5689% | 1,669 |
| Efficiency ratio | 65.6006% | 4,561 |
| Assets per employee ($millions) | 2.8448% | 6,086 |
| Cash dividends to net income (ytd only)* | 81.6205% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1413% | 1,428 |
| Loan loss allowance to noncurrent loans | 47.7854% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 3.8035% | 854 |
| Noncurrent loans to loans | 4.4811% | 723 |
| Net loans and leases to total assets | 68.6170% | 2,213 |
| Net loans and leases to deposits | 89.5834% | 1,210 |
| Net loans and leases to core deposits | 93.1063% | 1,656 |
| Total domestic deposits to total assets | 76.5956% | 6,100 |
| Equity capital to assets | 11.9644% | 1,939 |
| Core capital (leverage) ratio | 12.0595% | 1,635 |
| Tier 1 risk-based capital ratio | 19.1168% | 1,953 |
| Total risk-based capital ratio | 20.3813% | 1,918 |
| Memoranda: | ||
| Average total assets | $138,514,000 | 3,942 |
| Average earning assets | $128,894,750 | 3,909 |
| Average equity | $16,630,250 | 3,650 |
| Average total loans | $99,097,750 | 3,494 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2625% | 567 |
| Cost of funding earning assets | 0.8091% | 1,372 |
| Net interest margin | 4.4534% | 776 |
| Noninterest income to average assets | 0.6757% | 2,762 |
| Noninterest expense to average assets | 3.1964% | 2,364 |
| Loan and lease loss provision to assets | 0.1158% | 2,876 |
| Net operating income to assets | 1.5049% | 891 |
| Return on assets (ROA) | 1.5049% | 958 |
| Pretax return on assets | 1.5049% | 1,604 |
| Return on Equity (ROE) | 12.5193% | 1,356 |
| Retained earnings to average equity (ytd only) | 1.6853% | 5,173 |
| Net charge-offs to loans | 0.1386% | 2,992 |
| Credit loss provision to net charge-offs | 115.9420% | 1,911 |
| Earnings coverage of net charge-offs (x) | 16.2319% | 1,677 |
| Efficiency ratio | 66.3563% | 4,485 |
| Assets per employee ($millions) | 2.8457% | 6,101 |
| Cash dividends to net income (ytd only)* | 86.5385% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1040% | 1,628 |
| Loan loss allowance to noncurrent loans | 59.3297% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 3.2530% | 1,218 |
| Noncurrent loans to loans | 3.5463% | 1,175 |
| Net loans and leases to total assets | 69.7052% | 1,935 |
| Net loans and leases to deposits | 90.2747% | 1,119 |
| Net loans and leases to core deposits | 93.7960% | 1,533 |
| Total domestic deposits to total assets | 77.2146% | 6,098 |
| Equity capital to assets | 11.7893% | 2,065 |
| Core capital (leverage) ratio | 11.8080% | 1,719 |
| Tier 1 risk-based capital ratio | 18.7658% | 2,058 |
| Total risk-based capital ratio | 20.0296% | 2,019 |
| Memoranda: | ||
| Average total assets | $138,219,670 | 3,983 |
| Average earning assets | $128,531,670 | 3,936 |
| Average equity | $16,614,330 | 3,685 |
| Average total loans | $99,549,330 | 3,503 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3356% | 473 |
| Cost of funding earning assets | 0.7649% | 1,748 |
| Net interest margin | 4.5707% | 589 |
| Noninterest income to average assets | 0.9360% | 1,646 |
| Noninterest expense to average assets | 3.1422% | 2,537 |
| Loan and lease loss provision to assets | 0.2325% | 1,571 |
| Net operating income to assets | 1.7819% | 488 |
| Return on assets (ROA) | 1.7819% | 543 |
| Pretax return on assets | 1.7819% | 916 |
| Return on Equity (ROE) | 14.6809% | 826 |
| Retained earnings to average equity (ytd only) | 3.9037% | 3,889 |
| Net charge-offs to loans | 0.1605% | 2,442 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 17.3250% | 1,325 |
| Efficiency ratio | 60.9357% | 5,453 |
| Assets per employee ($millions) | 2.8691% | 6,186 |
| Cash dividends to net income (ytd only)* | 73.4095% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1338% | 1,723 |
| Loan loss allowance to noncurrent loans | 70.1557% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 3.1255% | 1,412 |
| Noncurrent loans to loans | 3.0415% | 1,643 |
| Net loans and leases to total assets | 69.0986% | 1,825 |
| Net loans and leases to deposits | 89.8532% | 982 |
| Net loans and leases to core deposits | 93.5615% | 1,374 |
| Total domestic deposits to total assets | 76.9017% | 6,258 |
| Equity capital to assets | 11.9315% | 2,087 |
| Core capital (leverage) ratio | 12.0668% | 1,533 |
| Tier 1 risk-based capital ratio | 18.7855% | 2,099 |
| Total risk-based capital ratio | 20.0499% | 2,071 |
| Memoranda: | ||
| Average total assets | $137,609,500 | 4,027 |
| Average earning assets | $127,071,000 | 3,998 |
| Average equity | $16,702,000 | 3,713 |
| Average total loans | $99,681,000 | 3,513 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6256% | 486 |
| Cost of funding earning assets | 0.9513% | 1,636 |
| Net interest margin | 4.6744% | 682 |
| Noninterest income to average assets | 1.1030% | 1,275 |
| Noninterest expense to average assets | 3.3590% | 2,155 |
| Loan and lease loss provision to assets | 0.3318% | 2,050 |
| Net operating income to assets | 1.7016% | 613 |
| Return on assets (ROA) | 1.7016% | 695 |
| Pretax return on assets | 1.7016% | 1,134 |
| Return on Equity (ROE) | 14.2820% | 945 |
| Retained earnings to average equity (ytd only) | 6.2375% | 1,958 |
| Net charge-offs to loans | 0.4205% | 2,555 |
| Credit loss provision to net charge-offs | 107.9137% | 2,740 |
| Earnings coverage of net charge-offs (x) | 6.6139% | 2,775 |
| Efficiency ratio | 62.2915% | 5,194 |
| Assets per employee ($millions) | 2.8645% | 6,219 |
| Cash dividends to net income (ytd only)* | 56.3258% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0759% | 1,828 |
| Loan loss allowance to noncurrent loans | 65.1819% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 3.4627% | 1,317 |
| Noncurrent loans to loans | 3.1848% | 1,623 |
| Net loans and leases to total assets | 72.8076% | 1,373 |
| Net loans and leases to deposits | 95.6975% | 636 |
| Net loans and leases to core deposits | 99.3674% | 1,058 |
| Total domestic deposits to total assets | 76.0809% | 6,343 |
| Equity capital to assets | 12.3521% | 1,825 |
| Core capital (leverage) ratio | 12.1121% | 1,501 |
| Tier 1 risk-based capital ratio | 18.2895% | 2,171 |
| Total risk-based capital ratio | 19.5526% | 2,129 |
| Memoranda: | ||
| Average total assets | $135,634,800 | 4,033 |
| Average earning assets | $124,466,400 | 4,010 |
| Average equity | $16,160,200 | 3,751 |
| Average total loans | $99,159,000 | 3,545 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5939% | 564 |
| Cost of funding earning assets | 0.9418% | 1,900 |
| Net interest margin | 4.6521% | 743 |
| Noninterest income to average assets | 1.1225% | 1,192 |
| Noninterest expense to average assets | 3.3822% | 2,053 |
| Loan and lease loss provision to assets | 0.3189% | 2,070 |
| Net operating income to assets | 1.6867% | 700 |
| Return on assets (ROA) | 1.6867% | 784 |
| Pretax return on assets | 1.6867% | 1,302 |
| Return on Equity (ROE) | 14.2865% | 1,046 |
| Retained earnings to average equity (ytd only) | 6.8066% | 2,229 |
| Net charge-offs to loans | 0.4758% | 2,193 |
| Credit loss provision to net charge-offs | 92.0680% | 3,229 |
| Earnings coverage of net charge-offs (x) | 5.7904% | 2,926 |
| Efficiency ratio | 62.7755% | 5,018 |
| Assets per employee ($millions) | 2.9283% | 6,167 |
| Cash dividends to net income (ytd only)* | 52.3561% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0082% | 2,147 |
| Loan loss allowance to noncurrent loans | 67.3006% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 3.3183% | 1,532 |
| Noncurrent loans to loans | 2.9840% | 1,875 |
| Net loans and leases to total assets | 71.5093% | 1,645 |
| Net loans and leases to deposits | 93.5702% | 821 |
| Net loans and leases to core deposits | 96.3277% | 1,392 |
| Total domestic deposits to total assets | 76.4232% | 6,325 |
| Equity capital to assets | 11.9661% | 2,287 |
| Core capital (leverage) ratio | 12.0108% | 1,651 |
| Tier 1 risk-based capital ratio | 18.0267% | 2,328 |
| Total risk-based capital ratio | 19.2884% | 2,299 |
| Memoranda: | ||
| Average total assets | $135,885,250 | 4,063 |
| Average earning assets | $124,585,250 | 4,051 |
| Average equity | $16,042,750 | 3,810 |
| Average total loans | $98,923,500 | 3,588 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6254% | 554 |
| Cost of funding earning assets | 0.9886% | 1,837 |
| Net interest margin | 4.6367% | 767 |
| Noninterest income to average assets | 1.0805% | 1,225 |
| Noninterest expense to average assets | 3.4116% | 2,003 |
| Loan and lease loss provision to assets | 0.3695% | 1,776 |
| Net operating income to assets | 1.5491% | 910 |
| Return on assets (ROA) | 1.5491% | 1,016 |
| Pretax return on assets | 1.5491% | 1,712 |
| Return on Equity (ROE) | 13.1818% | 1,316 |
| Retained earnings to average equity (ytd only) | 6.8928% | 2,166 |
| Net charge-offs to loans | 0.6584% | 1,676 |
| Credit loss provision to net charge-offs | 77.1605% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.0062% | 3,200 |
| Efficiency ratio | 64.0044% | 4,903 |
| Assets per employee ($millions) | 2.8538% | 6,313 |
| Cash dividends to net income (ytd only)* | 47.7099% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0138% | 2,191 |
| Loan loss allowance to noncurrent loans | 74.3493% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 3.4847% | 1,531 |
| Noncurrent loans to loans | 2.7085% | 2,219 |
| Net loans and leases to total assets | 71.5015% | 1,643 |
| Net loans and leases to deposits | 94.4096% | 736 |
| Net loans and leases to core deposits | 97.3161% | 1,316 |
| Total domestic deposits to total assets | 75.7355% | 6,497 |
| Equity capital to assets | 12.0652% | 2,102 |
| Core capital (leverage) ratio | 11.7943% | 1,727 |
| Tier 1 risk-based capital ratio | 18.0905% | 2,265 |
| Total risk-based capital ratio | 19.3521% | 2,233 |
| Memoranda: | ||
| Average total assets | $135,303,330 | 4,086 |
| Average earning assets | $124,009,670 | 4,078 |
| Average equity | $15,900,670 | 3,820 |
| Average total loans | $98,419,330 | 3,613 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5759% | 656 |
| Cost of funding earning assets | 1.0053% | 1,949 |
| Net interest margin | 4.5706% | 868 |
| Noninterest income to average assets | 1.0008% | 1,419 |
| Noninterest expense to average assets | 3.3910% | 2,031 |
| Loan and lease loss provision to assets | 0.4415% | 1,415 |
| Net operating income to assets | 1.3570% | 1,299 |
| Return on assets (ROA) | 1.3570% | 1,462 |
| Pretax return on assets | 1.3570% | 2,345 |
| Return on Equity (ROE) | 11.7009% | 1,769 |
| Retained earnings to average equity (ytd only) | 6.6246% | 2,618 |
| Net charge-offs to loans | 1.2240% | 834 |
| Credit loss provision to net charge-offs | 49.6689% | 3,296 |
| Earnings coverage of net charge-offs (x) | 2.0232% | 3,334 |
| Efficiency ratio | 65.3432% | 4,680 |
| Assets per employee ($millions) | 2.8521% | 6,431 |
| Cash dividends to net income (ytd only)* | 43.3839% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9299% | 2,590 |
| Loan loss allowance to noncurrent loans | 70.4765% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 3.5325% | 1,621 |
| Noncurrent loans to loans | 2.7384% | 2,379 |
| Net loans and leases to total assets | 70.2659% | 1,711 |
| Net loans and leases to deposits | 91.6474% | 823 |
| Net loans and leases to core deposits | 94.1362% | 1,455 |
| Total domestic deposits to total assets | 76.6698% | 6,458 |
| Equity capital to assets | 11.6063% | 2,348 |
| Core capital (leverage) ratio | 11.5881% | 1,842 |
| Tier 1 risk-based capital ratio | 17.5835% | 2,446 |
| Total risk-based capital ratio | 18.8444% | 2,413 |
| Memoranda: | ||
| Average total assets | $135,890,000 | 4,110 |
| Average earning assets | $124,536,000 | 4,100 |
| Average equity | $15,759,500 | 3,851 |
| Average total loans | $98,691,000 | 3,633 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5291% | 1,099 |
| Cost of funding earning assets | 1.1755% | 2,187 |
| Net interest margin | 4.3536% | 1,532 |
| Noninterest income to average assets | 0.8590% | 1,805 |
| Noninterest expense to average assets | 3.3547% | 2,353 |
| Loan and lease loss provision to assets | 0.6991% | 1,464 |
| Net operating income to assets | 0.8223% | 2,943 |
| Return on assets (ROA) | 0.8216% | 3,109 |
| Pretax return on assets | 0.8216% | 3,907 |
| Return on Equity (ROE) | 7.4318% | 3,182 |
| Retained earnings to average equity (ytd only) | 4.8242% | 2,767 |
| Net charge-offs to loans | 0.4444% | 3,214 |
| Credit loss provision to net charge-offs | 218.4685% | 1,117 |
| Earnings coverage of net charge-offs (x) | 4.7545% | 2,986 |
| Efficiency ratio | 68.7999% | 4,190 |
| Assets per employee ($millions) | 2.8100% | 6,442 |
| Cash dividends to net income (ytd only)* | 35.0877% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0595% | 2,105 |
| Loan loss allowance to noncurrent loans | 60.2179% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 3.6573% | 1,607 |
| Noncurrent loans to loans | 3.4201% | 1,888 |
| Net loans and leases to total assets | 72.1011% | 1,632 |
| Net loans and leases to deposits | 94.2966% | 793 |
| Net loans and leases to core deposits | 97.7810% | 1,351 |
| Total domestic deposits to total assets | 76.4620% | 6,416 |
| Equity capital to assets | 11.5881% | 2,438 |
| Core capital (leverage) ratio | 11.4185% | 1,953 |
| Tier 1 risk-based capital ratio | 17.5176% | 2,376 |
| Total risk-based capital ratio | 18.7812% | 2,338 |
| Memoranda: | ||
| Average total assets | $138,759,600 | 3,995 |
| Average earning assets | $128,031,400 | 3,969 |
| Average equity | $15,339,400 | 3,843 |
| Average total loans | $99,920,600 | 3,622 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4821% | 1,296 |
| Cost of funding earning assets | 1.2128% | 2,241 |
| Net interest margin | 4.2693% | 1,829 |
| Noninterest income to average assets | 0.8798% | 1,720 |
| Noninterest expense to average assets | 3.3750% | 2,264 |
| Loan and lease loss provision to assets | 0.6298% | 1,550 |
| Net operating income to assets | 0.8149% | 3,081 |
| Return on assets (ROA) | 0.8139% | 3,254 |
| Pretax return on assets | 0.8139% | 4,075 |
| Return on Equity (ROE) | 7.4495% | 3,298 |
| Retained earnings to average equity (ytd only) | 7.4495% | 1,736 |
| Net charge-offs to loans | 0.5076% | 2,730 |
| Credit loss provision to net charge-offs | 173.2283% | 1,725 |
| Earnings coverage of net charge-offs (x) | 3.9737% | 3,230 |
| Efficiency ratio | 70.0257% | 3,953 |
| Assets per employee ($millions) | 2.9448% | 6,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8137% | 2,895 |
| Loan loss allowance to noncurrent loans | 49.5863% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 3.8488% | 1,603 |
| Noncurrent loans to loans | 3.6576% | 1,877 |
| Net loans and leases to total assets | 70.3284% | 2,012 |
| Net loans and leases to deposits | 91.4255% | 1,060 |
| Net loans and leases to core deposits | 94.9787% | 1,701 |
| Total domestic deposits to total assets | 76.9242% | 6,387 |
| Equity capital to assets | 11.3825% | 2,792 |
| Core capital (leverage) ratio | 11.1403% | 2,288 |
| Tier 1 risk-based capital ratio | 17.5740% | 2,407 |
| Total risk-based capital ratio | 18.8337% | 2,382 |
| Memoranda: | ||
| Average total assets | $139,729,500 | 4,003 |
| Average earning assets | $128,949,500 | 3,975 |
| Average equity | $15,266,750 | 3,868 |
| Average total loans | $100,077,000 | 3,648 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4407% | 1,444 |
| Cost of funding earning assets | 1.2596% | 2,188 |
| Net interest margin | 4.1811% | 2,116 |
| Noninterest income to average assets | 0.6892% | 2,607 |
| Noninterest expense to average assets | 3.3102% | 2,518 |
| Loan and lease loss provision to assets | 0.3710% | 2,564 |
| Net operating income to assets | 0.8632% | 2,806 |
| Return on assets (ROA) | 0.8618% | 2,907 |
| Pretax return on assets | 0.8618% | 3,789 |
| Return on Equity (ROE) | 7.9977% | 2,950 |
| Retained earnings to average equity (ytd only) | 7.9977% | 1,466 |
| Net charge-offs to loans | 0.3287% | 3,245 |
| Credit loss provision to net charge-offs | 157.5758% | 1,935 |
| Earnings coverage of net charge-offs (x) | 5.2424% | 2,656 |
| Efficiency ratio | 72.8414% | 3,577 |
| Assets per employee ($millions) | 2.9139% | 6,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6093% | 3,659 |
| Loan loss allowance to noncurrent loans | 40.4714% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 4.0924% | 1,567 |
| Noncurrent loans to loans | 3.9764% | 1,748 |
| Net loans and leases to total assets | 70.5496% | 2,106 |
| Net loans and leases to deposits | 91.2662% | 1,133 |
| Net loans and leases to core deposits | 94.7524% | 1,819 |
| Total domestic deposits to total assets | 77.3009% | 6,414 |
| Equity capital to assets | 11.0804% | 2,874 |
| Core capital (leverage) ratio | 10.9400% | 2,305 |
| Tier 1 risk-based capital ratio | 16.9692% | 2,538 |
| Total risk-based capital ratio | 18.2185% | 2,505 |
| Memoranda: | ||
| Average total assets | $140,171,000 | 4,022 |
| Average earning assets | $129,249,000 | 4,004 |
| Average equity | $15,104,330 | 3,889 |
| Average total loans | $100,390,670 | 3,673 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4896% | 1,327 |
| Cost of funding earning assets | 1.2633% | 2,401 |
| Net interest margin | 4.2263% | 1,817 |
| Noninterest income to average assets | 0.5188% | 3,737 |
| Noninterest expense to average assets | 3.2183% | 2,824 |
| Loan and lease loss provision to assets | 0.3136% | 2,664 |
| Net operating income to assets | 0.8780% | 2,671 |
| Return on assets (ROA) | 0.8751% | 2,737 |
| Pretax return on assets | 0.8751% | 3,595 |
| Return on Equity (ROE) | 8.2375% | 2,813 |
| Retained earnings to average equity (ytd only) | 8.2375% | 1,645 |
| Net charge-offs to loans | 0.4460% | 2,360 |
| Credit loss provision to net charge-offs | 98.2143% | 2,782 |
| Earnings coverage of net charge-offs (x) | 3.7321% | 2,651 |
| Efficiency ratio | 72.9800% | 3,690 |
| Assets per employee ($millions) | 2.9773% | 6,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 4,131 |
| Loan loss allowance to noncurrent loans | 35.8883% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 4.7526% | 1,335 |
| Noncurrent loans to loans | 4.2238% | 1,691 |
| Net loans and leases to total assets | 68.9646% | 2,332 |
| Net loans and leases to deposits | 88.5954% | 1,399 |
| Net loans and leases to core deposits | 91.4081% | 2,183 |
| Total domestic deposits to total assets | 77.8422% | 6,399 |
| Equity capital to assets | 10.5436% | 3,134 |
| Core capital (leverage) ratio | 10.7272% | 2,419 |
| Tier 1 risk-based capital ratio | 16.4785% | 2,670 |
| Total risk-based capital ratio | 17.7332% | 2,645 |
| Memoranda: | ||
| Average total assets | $140,322,000 | 4,060 |
| Average earning assets | $129,189,500 | 4,043 |
| Average equity | $14,907,500 | 3,919 |
| Average total loans | $100,440,500 | 3,706 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8075% | 1,260 |
| Cost of funding earning assets | 1.4974% | 2,657 |
| Net interest margin | 4.3101% | 1,787 |
| Noninterest income to average assets | 1.0346% | 1,405 |
| Noninterest expense to average assets | 3.1891% | 3,136 |
| Loan and lease loss provision to assets | 0.8901% | 1,838 |
| Net operating income to assets | 0.9288% | 2,282 |
| Return on assets (ROA) | 0.9441% | 2,349 |
| Pretax return on assets | 0.9441% | 3,119 |
| Return on Equity (ROE) | 8.5297% | 2,486 |
| Retained earnings to average equity (ytd only) | -1.6875% | 5,916 |
| Net charge-offs to loans | 1.1754% | 1,895 |
| Credit loss provision to net charge-offs | 104.7210% | 4,287 |
| Earnings coverage of net charge-offs (x) | 2.1399% | 4,123 |
| Efficiency ratio | 63.6801% | 5,403 |
| Assets per employee ($millions) | 2.8694% | 6,403 |
| Cash dividends to net income (ytd only)* | 119.7836% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 3,971 |
| Loan loss allowance to noncurrent loans | 38.7599% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 4.7527% | 1,376 |
| Noncurrent loans to loans | 3.8877% | 1,884 |
| Net loans and leases to total assets | 72.0866% | 2,086 |
| Net loans and leases to deposits | 93.7847% | 1,079 |
| Net loans and leases to core deposits | 96.8115% | 1,914 |
| Total domestic deposits to total assets | 76.8639% | 6,505 |
| Equity capital to assets | 10.7069% | 2,950 |
| Core capital (leverage) ratio | 10.6447% | 2,421 |
| Tier 1 risk-based capital ratio | 15.9292% | 2,785 |
| Total risk-based capital ratio | 17.1845% | 2,735 |
| Memoranda: | ||
| Average total assets | $137,059,600 | 4,118 |
| Average earning assets | $126,353,400 | 4,096 |
| Average equity | $15,170,600 | 3,910 |
| Average total loans | $99,116,800 | 3,824 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8250% | 1,331 |
| Cost of funding earning assets | 1.5327% | 2,757 |
| Net interest margin | 4.2922% | 1,870 |
| Noninterest income to average assets | 1.1551% | 1,051 |
| Noninterest expense to average assets | 3.2054% | 2,910 |
| Loan and lease loss provision to assets | 0.5308% | 2,811 |
| Net operating income to assets | 1.3821% | 1,143 |
| Return on assets (ROA) | 1.3821% | 1,223 |
| Pretax return on assets | 1.3821% | 1,934 |
| Return on Equity (ROE) | 12.3847% | 1,407 |
| Retained earnings to average equity (ytd only) | 2.3478% | 4,761 |
| Net charge-offs to loans | 0.4499% | 3,503 |
| Credit loss provision to net charge-offs | 163.6637% | 2,299 |
| Earnings coverage of net charge-offs (x) | 5.8979% | 2,650 |
| Efficiency ratio | 62.6261% | 5,503 |
| Assets per employee ($millions) | 2.9355% | 6,298 |
| Cash dividends to net income (ytd only)* | 81.0434% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6625% | 3,284 |
| Loan loss allowance to noncurrent loans | 35.7585% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 4.7351% | 1,394 |
| Noncurrent loans to loans | 4.6493% | 1,531 |
| Net loans and leases to total assets | 70.3557% | 2,646 |
| Net loans and leases to deposits | 92.0268% | 1,441 |
| Net loans and leases to core deposits | 94.1399% | 2,510 |
| Total domestic deposits to total assets | 76.4513% | 6,577 |
| Equity capital to assets | 10.9692% | 2,989 |
| Core capital (leverage) ratio | 10.9479% | 2,298 |
| Tier 1 risk-based capital ratio | 16.6559% | 2,482 |
| Total risk-based capital ratio | 17.9136% | 2,439 |
| Memoranda: | ||
| Average total assets | $136,891,250 | 4,168 |
| Average earning assets | $126,395,250 | 4,149 |
| Average equity | $15,276,500 | 3,936 |
| Average total loans | $98,694,500 | 3,901 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7200% | 1,690 |
| Cost of funding earning assets | 1.5773% | 2,789 |
| Net interest margin | 4.1428% | 2,364 |
| Noninterest income to average assets | 1.2364% | 850 |
| Noninterest expense to average assets | 3.2415% | 2,757 |
| Loan and lease loss provision to assets | 0.6049% | 2,371 |
| Net operating income to assets | 1.2187% | 1,516 |
| Return on assets (ROA) | 1.2187% | 1,576 |
| Pretax return on assets | 1.2187% | 2,355 |
| Return on Equity (ROE) | 10.8565% | 1,793 |
| Retained earnings to average equity (ytd only) | 2.3133% | 4,686 |
| Net charge-offs to loans | 0.2715% | 3,986 |
| Credit loss provision to net charge-offs | 308.2707% | 1,187 |
| Earnings coverage of net charge-offs (x) | 9.2932% | 2,037 |
| Efficiency ratio | 63.9965% | 5,338 |
| Assets per employee ($millions) | 2.8655% | 6,423 |
| Cash dividends to net income (ytd only)* | 78.6925% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7504% | 2,902 |
| Loan loss allowance to noncurrent loans | 43.8981% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 4.2750% | 1,567 |
| Noncurrent loans to loans | 3.9875% | 1,901 |
| Net loans and leases to total assets | 71.0471% | 2,640 |
| Net loans and leases to deposits | 92.5441% | 1,450 |
| Net loans and leases to core deposits | 95.1714% | 2,563 |
| Total domestic deposits to total assets | 76.7711% | 6,554 |
| Equity capital to assets | 11.1732% | 2,709 |
| Core capital (leverage) ratio | 10.9771% | 2,262 |
| Tier 1 risk-based capital ratio | 16.8860% | 2,329 |
| Total risk-based capital ratio | 18.1444% | 2,277 |
| Memoranda: | ||
| Average total assets | $135,553,670 | 4,225 |
| Average earning assets | $125,278,670 | 4,200 |
| Average equity | $15,216,670 | 3,947 |
| Average total loans | $97,989,330 | 3,965 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5442% | 2,387 |
| Cost of funding earning assets | 1.5736% | 3,116 |
| Net interest margin | 3.9706% | 2,995 |
| Noninterest income to average assets | 1.0018% | 1,300 |
| Noninterest expense to average assets | 3.2818% | 2,588 |
| Loan and lease loss provision to assets | 0.3864% | 3,044 |
| Net operating income to assets | 1.0315% | 2,062 |
| Return on assets (ROA) | 1.0315% | 2,121 |
| Pretax return on assets | 1.0315% | 2,962 |
| Return on Equity (ROE) | 9.1672% | 2,437 |
| Retained earnings to average equity (ytd only) | -1.4002% | 6,107 |
| Net charge-offs to loans | 0.4689% | 2,641 |
| Credit loss provision to net charge-offs | 114.0351% | 3,046 |
| Earnings coverage of net charge-offs (x) | 4.1842% | 2,682 |
| Efficiency ratio | 69.8292% | 4,342 |
| Assets per employee ($millions) | 2.8335% | 6,562 |
| Cash dividends to net income (ytd only)* | 115.2738% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 3,884 |
| Loan loss allowance to noncurrent loans | 28.7658% | 6,477 |
| Noncurrent assets plus other real estate owned to assets | 4.2814% | 1,590 |
| Noncurrent loans to loans | 5.2321% | 1,366 |
| Net loans and leases to total assets | 71.2140% | 2,644 |
| Net loans and leases to deposits | 92.4763% | 1,545 |
| Net loans and leases to core deposits | 94.1877% | 2,821 |
| Total domestic deposits to total assets | 77.0078% | 6,561 |
| Equity capital to assets | 11.1068% | 2,669 |
| Core capital (leverage) ratio | 10.9967% | 2,234 |
| Tier 1 risk-based capital ratio | 16.8683% | 2,318 |
| Total risk-based capital ratio | 18.1232% | 2,269 |
| Memoranda: | ||
| Average total assets | $134,558,500 | 4,315 |
| Average earning assets | $125,321,000 | 4,254 |
| Average equity | $15,141,000 | 3,990 |
| Average total loans | $97,253,000 | 4,045 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2594% | 1,096 |
| Cost of funding earning assets | 1.8592% | 3,682 |
| Net interest margin | 4.4001% | 1,430 |
| Noninterest income to average assets | 1.0815% | 1,322 |
| Noninterest expense to average assets | 3.2922% | 3,033 |
| Loan and lease loss provision to assets | 0.3512% | 4,698 |
| Net operating income to assets | 1.5135% | 651 |
| Return on assets (ROA) | 1.5135% | 702 |
| Pretax return on assets | 1.5135% | 1,157 |
| Return on Equity (ROE) | 13.0552% | 950 |
| Retained earnings to average equity (ytd only) | -0.5928% | 5,140 |
| Net charge-offs to loans | 0.3033% | 4,737 |
| Credit loss provision to net charge-offs | 161.4583% | 2,745 |
| Earnings coverage of net charge-offs (x) | 8.5729% | 1,923 |
| Efficiency ratio | 63.8401% | 5,806 |
| Assets per employee ($millions) | 2.7731% | 6,709 |
| Cash dividends to net income (ytd only)* | 104.5409% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 3,609 |
| Loan loss allowance to noncurrent loans | 57.3218% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 2.3657% | 2,934 |
| Noncurrent loans to loans | 2.6557% | 2,894 |
| Net loans and leases to total assets | 71.1487% | 2,961 |
| Net loans and leases to deposits | 92.6456% | 1,794 |
| Net loans and leases to core deposits | 117.1857% | 2,215 |
| Total domestic deposits to total assets | 76.7966% | 6,532 |
| Equity capital to assets | 11.4011% | 2,393 |
| Core capital (leverage) ratio | 11.3156% | 2,027 |
| Tier 1 risk-based capital ratio | 17.1658% | 2,114 |
| Total risk-based capital ratio | 18.4212% | 2,068 |
| Memoranda: | ||
| Average total assets | $132,404,800 | 4,291 |
| Average earning assets | $122,632,200 | 4,248 |
| Average equity | $15,350,200 | 4,004 |
| Average total loans | $94,962,200 | 4,087 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3686% | 986 |
| Cost of funding earning assets | 1.9242% | 3,754 |
| Net interest margin | 4.4444% | 1,331 |
| Noninterest income to average assets | 1.1041% | 1,295 |
| Noninterest expense to average assets | 3.2609% | 3,076 |
| Loan and lease loss provision to assets | 0.3176% | 4,442 |
| Net operating income to assets | 1.6385% | 623 |
| Return on assets (ROA) | 1.6385% | 667 |
| Pretax return on assets | 1.6385% | 1,095 |
| Return on Equity (ROE) | 14.0746% | 914 |
| Retained earnings to average equity (ytd only) | 1.9488% | 4,242 |
| Net charge-offs to loans | 0.3803% | 3,751 |
| Credit loss provision to net charge-offs | 116.6667% | 4,354 |
| Earnings coverage of net charge-offs (x) | 7.1852% | 2,456 |
| Efficiency ratio | 62.5048% | 6,016 |
| Assets per employee ($millions) | 2.6792% | 6,893 |
| Cash dividends to net income (ytd only)* | 86.1539% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 4,010 |
| Loan loss allowance to noncurrent loans | 53.4296% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 2.3339% | 2,945 |
| Noncurrent loans to loans | 2.5987% | 2,906 |
| Net loans and leases to total assets | 72.0573% | 3,025 |
| Net loans and leases to deposits | 95.4283% | 1,655 |
| Net loans and leases to core deposits | 119.1048% | 2,325 |
| Total domestic deposits to total assets | 75.5094% | 6,674 |
| Equity capital to assets | 11.8393% | 2,331 |
| Core capital (leverage) ratio | 11.5052% | 2,073 |
| Tier 1 risk-based capital ratio | 17.5795% | 2,103 |
| Total risk-based capital ratio | 18.8328% | 2,061 |
| Memoranda: | ||
| Average total assets | $132,228,500 | 4,314 |
| Average earning assets | $122,368,750 | 4,293 |
| Average equity | $15,393,750 | 4,027 |
| Average total loans | $94,660,250 | 4,130 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4555% | 908 |
| Cost of funding earning assets | 2.0031% | 3,767 |
| Net interest margin | 4.4523% | 1,284 |
| Noninterest income to average assets | 1.0155% | 1,542 |
| Noninterest expense to average assets | 3.2442% | 3,171 |
| Loan and lease loss provision to assets | 0.3244% | 3,999 |
| Net operating income to assets | 1.5452% | 759 |
| Return on assets (ROA) | 1.5452% | 816 |
| Pretax return on assets | 1.5587% | 1,308 |
| Return on Equity (ROE) | 13.3472% | 1,109 |
| Retained earnings to average equity (ytd only) | 0.9645% | 4,795 |
| Net charge-offs to loans | 0.5136% | 2,784 |
| Credit loss provision to net charge-offs | 88.8430% | 4,957 |
| Earnings coverage of net charge-offs (x) | 5.1570% | 2,902 |
| Efficiency ratio | 63.2725% | 6,043 |
| Assets per employee ($millions) | 2.6412% | 6,974 |
| Cash dividends to net income (ytd only)* | 92.7734% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 4,090 |
| Loan loss allowance to noncurrent loans | 65.3527% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 2.0582% | 3,118 |
| Noncurrent loans to loans | 2.0368% | 3,465 |
| Net loans and leases to total assets | 70.7254% | 3,529 |
| Net loans and leases to deposits | 92.4826% | 2,379 |
| Net loans and leases to core deposits | 113.1257% | 3,005 |
| Total domestic deposits to total assets | 76.4743% | 6,445 |
| Equity capital to assets | 11.6349% | 2,440 |
| Core capital (leverage) ratio | 11.3774% | 2,145 |
| Tier 1 risk-based capital ratio | 17.3376% | 2,198 |
| Total risk-based capital ratio | 18.5894% | 2,139 |
| Memoranda: | ||
| Average total assets | $132,543,670 | 4,337 |
| Average earning assets | $122,408,000 | 4,312 |
| Average equity | $15,344,000 | 4,054 |
| Average total loans | $94,236,670 | 4,161 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5460% | 789 |
| Cost of funding earning assets | 2.0859% | 3,715 |
| Net interest margin | 4.4601% | 1,209 |
| Noninterest income to average assets | 0.9549% | 1,620 |
| Noninterest expense to average assets | 3.0274% | 3,647 |
| Loan and lease loss provision to assets | 0.3163% | 3,439 |
| Net operating income to assets | 1.7140% | 629 |
| Return on assets (ROA) | 1.7140% | 692 |
| Pretax return on assets | 1.7140% | 1,148 |
| Return on Equity (ROE) | 14.8433% | 1,006 |
| Retained earnings to average equity (ytd only) | 1.8000% | 4,845 |
| Net charge-offs to loans | 0.8891% | 1,475 |
| Credit loss provision to net charge-offs | 50.2392% | 4,674 |
| Earnings coverage of net charge-offs (x) | 3.2249% | 3,241 |
| Efficiency ratio | 59.8571% | 6,429 |
| Assets per employee ($millions) | 2.7783% | 6,696 |
| Cash dividends to net income (ytd only)* | 87.8735% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 4,386 |
| Loan loss allowance to noncurrent loans | 70.3748% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.8829% | 3,087 |
| Noncurrent loans to loans | 1.7823% | 3,588 |
| Net loans and leases to total assets | 69.8364% | 3,712 |
| Net loans and leases to deposits | 91.5706% | 2,676 |
| Net loans and leases to core deposits | 113.0546% | 3,095 |
| Total domestic deposits to total assets | 76.2650% | 6,459 |
| Equity capital to assets | 11.5188% | 2,576 |
| Core capital (leverage) ratio | 11.3827% | 2,219 |
| Tier 1 risk-based capital ratio | 17.3176% | 2,240 |
| Total risk-based capital ratio | 18.5683% | 2,186 |
| Memoranda: | ||
| Average total assets | $132,785,500 | 4,357 |
| Average earning assets | $122,151,000 | 4,327 |
| Average equity | $15,333,500 | 4,077 |
| Average total loans | $94,025,000 | 4,212 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2882% | 607 |
| Cost of funding earning assets | 2.6267% | 3,547 |
| Net interest margin | 4.6615% | 1,041 |
| Noninterest income to average assets | 1.1722% | 1,122 |
| Noninterest expense to average assets | 3.1188% | 3,622 |
| Loan and lease loss provision to assets | 0.1909% | 4,973 |
| Net operating income to assets | 2.1138% | 284 |
| Return on assets (ROA) | 2.1138% | 270 |
| Pretax return on assets | 2.1138% | 473 |
| Return on Equity (ROE) | 18.3769% | 498 |
| Retained earnings to average equity (ytd only) | 1.7793% | 4,133 |
| Net charge-offs to loans | 0.2613% | 3,669 |
| Credit loss provision to net charge-offs | 105.9322% | 5,054 |
| Earnings coverage of net charge-offs (x) | 12.7881% | 2,206 |
| Efficiency ratio | 57.5049% | 6,775 |
| Assets per employee ($millions) | 2.6983% | 6,788 |
| Cash dividends to net income (ytd only)* | 90.3179% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3730% | 3,345 |
| Loan loss allowance to noncurrent loans | 121.5297% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 1.1708% | 3,919 |
| Noncurrent loans to loans | 1.1298% | 4,286 |
| Net loans and leases to total assets | 69.9232% | 4,035 |
| Net loans and leases to deposits | 92.4231% | 3,066 |
| Net loans and leases to core deposits | 114.3661% | 3,292 |
| Total domestic deposits to total assets | 75.6556% | 6,312 |
| Equity capital to assets | 11.5766% | 2,585 |
| Core capital (leverage) ratio | 11.5047% | 2,250 |
| Tier 1 risk-based capital ratio | 17.6519% | 2,134 |
| Total risk-based capital ratio | 18.9045% | 2,073 |
| Memoranda: | ||
| Average total assets | $130,949,200 | 4,256 |
| Average earning assets | $119,425,200 | 4,274 |
| Average equity | $15,062,400 | 4,126 |
| Average total loans | $90,312,400 | 4,216 |