Home > Unity Bank > Performance and Condition Ratios
Unity Bank, Performance and Condition Ratios
| 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 | 5.3130% | 569 |
| Cost of funding earning assets | 0.7648% | 1,714 |
| Net interest margin | 4.5482% | 696 |
| Noninterest income to average assets | 0.7823% | 1,515 |
| Noninterest expense to average assets | 3.8871% | 612 |
| Loan and lease loss provision to assets | 0.1395% | 1,539 |
| Net operating income to assets | 1.0650% | 2,739 |
| Return on assets (ROA) | 1.0650% | 2,722 |
| Pretax return on assets | 1.0673% | 3,382 |
| Return on Equity (ROE) | 13.0231% | 1,341 |
| Retained earnings to average equity (ytd only) | 5.0500% | 2,737 |
| Net charge-offs to loans | 0.1386% | 1,370 |
| Credit loss provision to net charge-offs | 117.1875% | 2,215 |
| Earnings coverage of net charge-offs (x) | 10.1367% | 2,751 |
| Efficiency ratio | 76.1709% | 1,337 |
| Assets per employee ($millions) | 2.8136% | 5,087 |
| Cash dividends to net income (ytd only)* | 61.2227% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 1,275 |
| Loan loss allowance to noncurrent loans | 42.3275% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 3.0856% | 195 |
| Noncurrent loans to loans | 3.5561% | 242 |
| Net loans and leases to total assets | 82.0627% | 640 |
| Net loans and leases to deposits | 91.1107% | 1,655 |
| Net loans and leases to core deposits | 96.2129% | 2,048 |
| Total domestic deposits to total assets | 90.0692% | 452 |
| Equity capital to assets | 8.2414% | 5,070 |
| Core capital (leverage) ratio | 8.3425% | 5,094 |
| Tier 1 risk-based capital ratio | 10.4142% | 5,213 |
| Total risk-based capital ratio | 11.6679% | 5,120 |
| Memoranda: | ||
| Average total assets | $215,020,400 | 2,734 |
| Average earning assets | $203,839,400 | 2,690 |
| Average equity | $17,584,200 | 3,335 |
| Average total loans | $184,733,800 | 2,299 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3648% | 461 |
| Cost of funding earning assets | 0.7340% | 1,657 |
| Net interest margin | 4.6308% | 552 |
| Noninterest income to average assets | 0.7722% | 1,570 |
| Noninterest expense to average assets | 3.7605% | 697 |
| Loan and lease loss provision to assets | 0.1398% | 1,429 |
| Net operating income to assets | 1.2593% | 2,000 |
| Return on assets (ROA) | 1.2593% | 2,009 |
| Pretax return on assets | 1.2618% | 2,762 |
| Return on Equity (ROE) | 15.4289% | 797 |
| Retained earnings to average equity (ytd only) | 6.8505% | 2,206 |
| Net charge-offs to loans | 0.0330% | 2,424 |
| Credit loss provision to net charge-offs | 489.1304% | 725 |
| Earnings coverage of net charge-offs (x) | 49.0448% | 1,184 |
| Efficiency ratio | 72.6802% | 1,781 |
| Assets per employee ($millions) | 2.7414% | 5,192 |
| Cash dividends to net income (ytd only)* | 55.5994% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5088% | 1,320 |
| Loan loss allowance to noncurrent loans | 41.7386% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 3.3621% | 187 |
| Noncurrent loans to loans | 3.6148% | 257 |
| Net loans and leases to total assets | 87.0681% | 185 |
| Net loans and leases to deposits | 96.7681% | 1,069 |
| Net loans and leases to core deposits | 102.2631% | 1,588 |
| Total domestic deposits to total assets | 89.9760% | 514 |
| Equity capital to assets | 8.3268% | 5,022 |
| Core capital (leverage) ratio | 8.3015% | 5,201 |
| Tier 1 risk-based capital ratio | 9.9156% | 5,397 |
| Total risk-based capital ratio | 11.1695% | 5,351 |
| Memoranda: | ||
| Average total assets | $214,613,250 | 2,751 |
| Average earning assets | $203,443,750 | 2,713 |
| Average equity | $17,516,500 | 3,376 |
| Average total loans | $185,791,000 | 2,296 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3565% | 421 |
| Cost of funding earning assets | 0.7011% | 1,616 |
| Net interest margin | 4.6554% | 493 |
| Noninterest income to average assets | 0.7716% | 1,563 |
| Noninterest expense to average assets | 3.7538% | 710 |
| Loan and lease loss provision to assets | 0.1396% | 1,398 |
| Net operating income to assets | 1.2882% | 1,827 |
| Return on assets (ROA) | 1.2882% | 1,823 |
| Pretax return on assets | 1.2910% | 2,550 |
| Return on Equity (ROE) | 15.8895% | 693 |
| Retained earnings to average equity (ytd only) | 11.5842% | 578 |
| Net charge-offs to loans | 0.0227% | 2,420 |
| Credit loss provision to net charge-offs | 714.2857% | 548 |
| Earnings coverage of net charge-offs (x) | 73.1905% | 880 |
| Efficiency ratio | 72.1544% | 1,977 |
| Assets per employee ($millions) | 2.6464% | 5,288 |
| Cash dividends to net income (ytd only)* | 27.0954% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 1,538 |
| Loan loss allowance to noncurrent loans | 88.9806% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.6346% | 776 |
| Noncurrent loans to loans | 1.6356% | 986 |
| Net loans and leases to total assets | 88.5086% | 121 |
| Net loans and leases to deposits | 98.4659% | 931 |
| Net loans and leases to core deposits | 103.8968% | 1,407 |
| Total domestic deposits to total assets | 89.8876% | 610 |
| Equity capital to assets | 8.3653% | 5,042 |
| Core capital (leverage) ratio | 8.4387% | 5,150 |
| Tier 1 risk-based capital ratio | 10.1002% | 5,403 |
| Total risk-based capital ratio | 11.3542% | 5,333 |
| Memoranda: | ||
| Average total assets | $214,875,330 | 2,771 |
| Average earning assets | $203,677,330 | 2,720 |
| Average equity | $17,420,330 | 3,400 |
| Average total loans | $184,712,330 | 2,313 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1980% | 492 |
| Cost of funding earning assets | 0.6630% | 1,643 |
| Net interest margin | 4.5350% | 575 |
| Noninterest income to average assets | 0.7921% | 1,485 |
| Noninterest expense to average assets | 3.8209% | 654 |
| Loan and lease loss provision to assets | 0.1394% | 1,350 |
| Net operating income to assets | 1.1286% | 2,291 |
| Return on assets (ROA) | 1.1286% | 2,310 |
| Pretax return on assets | 1.1305% | 3,050 |
| Return on Equity (ROE) | 14.1455% | 980 |
| Retained earnings to average equity (ytd only) | 10.0673% | 1,135 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6530% | 1,803 |
| Assets per employee ($millions) | 2.6370% | 5,356 |
| Cash dividends to net income (ytd only)* | 28.8303% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 1,405 |
| Loan loss allowance to noncurrent loans | 102.5756% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.4209% | 1,008 |
| Noncurrent loans to loans | 1.4776% | 1,199 |
| Net loans and leases to total assets | 83.5956% | 478 |
| Net loans and leases to deposits | 92.7402% | 1,361 |
| Net loans and leases to core deposits | 108.0145% | 1,121 |
| Total domestic deposits to total assets | 90.1396% | 606 |
| Equity capital to assets | 8.1212% | 5,221 |
| Core capital (leverage) ratio | 8.1716% | 5,333 |
| Tier 1 risk-based capital ratio | 10.4941% | 5,352 |
| Total risk-based capital ratio | 11.7493% | 5,264 |
| Memoranda: | ||
| Average total assets | $215,132,500 | 2,796 |
| Average earning assets | $203,925,000 | 2,752 |
| Average equity | $17,164,500 | 3,453 |
| Average total loans | $180,803,500 | 2,356 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1371% | 495 |
| Cost of funding earning assets | 0.6135% | 1,518 |
| Net interest margin | 4.5236% | 583 |
| Noninterest income to average assets | 0.5134% | 2,918 |
| Noninterest expense to average assets | 3.9089% | 610 |
| Loan and lease loss provision to assets | 0.1911% | 1,099 |
| Net operating income to assets | 0.6768% | 3,698 |
| Return on assets (ROA) | 0.6768% | 3,748 |
| Pretax return on assets | 0.6782% | 4,565 |
| Return on Equity (ROE) | 8.3916% | 2,607 |
| Retained earnings to average equity (ytd only) | 2.2859% | 3,949 |
| Net charge-offs to loans | 0.1906% | 1,333 |
| Credit loss provision to net charge-offs | 119.0476% | 2,202 |
| Earnings coverage of net charge-offs (x) | 5.4167% | 3,331 |
| Efficiency ratio | 81.3774% | 975 |
| Assets per employee ($millions) | 2.7777% | 5,343 |
| Cash dividends to net income (ytd only)* | 72.7594% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4825% | 1,466 |
| Loan loss allowance to noncurrent loans | 100.4132% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.4225% | 985 |
| Noncurrent loans to loans | 1.4764% | 1,157 |
| Net loans and leases to total assets | 81.9818% | 684 |
| Net loans and leases to deposits | 90.6773% | 1,688 |
| Net loans and leases to core deposits | 104.2976% | 1,394 |
| Total domestic deposits to total assets | 90.4105% | 426 |
| Equity capital to assets | 7.8379% | 5,444 |
| Core capital (leverage) ratio | 7.9603% | 5,464 |
| Tier 1 risk-based capital ratio | 9.9845% | 5,539 |
| Total risk-based capital ratio | 11.2384% | 5,481 |
| Memoranda: | ||
| Average total assets | $209,369,200 | 2,830 |
| Average earning assets | $197,387,600 | 2,796 |
| Average equity | $16,886,000 | 3,492 |
| Average total loans | $176,268,200 | 2,368 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1236% | 480 |
| Cost of funding earning assets | 0.6054% | 1,491 |
| Net interest margin | 4.5182% | 578 |
| Noninterest income to average assets | 0.4169% | 3,579 |
| Noninterest expense to average assets | 3.9791% | 533 |
| Loan and lease loss provision to assets | 0.1445% | 1,456 |
| Net operating income to assets | 0.5441% | 4,601 |
| Return on assets (ROA) | 0.5441% | 4,634 |
| Pretax return on assets | 0.5461% | 4,937 |
| Return on Equity (ROE) | 6.6974% | 3,813 |
| Retained earnings to average equity (ytd only) | 0.4428% | 5,120 |
| Net charge-offs to loans | 0.1111% | 1,675 |
| Credit loss provision to net charge-offs | 154.1096% | 1,655 |
| Earnings coverage of net charge-offs (x) | 7.3631% | 2,882 |
| Efficiency ratio | 84.7709% | 705 |
| Assets per employee ($millions) | 2.6787% | 5,448 |
| Cash dividends to net income (ytd only)* | 93.3880% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 1,514 |
| Loan loss allowance to noncurrent loans | 72.2969% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 1.8042% | 765 |
| Noncurrent loans to loans | 2.0830% | 804 |
| Net loans and leases to total assets | 83.0773% | 538 |
| Net loans and leases to deposits | 91.2301% | 1,660 |
| Net loans and leases to core deposits | 103.8172% | 1,399 |
| Total domestic deposits to total assets | 91.0635% | 174 |
| Equity capital to assets | 7.8922% | 5,544 |
| Core capital (leverage) ratio | 7.8972% | 5,544 |
| Tier 1 risk-based capital ratio | 9.9121% | 5,616 |
| Total risk-based capital ratio | 11.1663% | 5,583 |
| Memoranda: | ||
| Average total assets | $207,545,500 | 2,867 |
| Average earning assets | $195,351,250 | 2,836 |
| Average equity | $16,862,000 | 3,535 |
| Average total loans | $175,260,750 | 2,385 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0601% | 514 |
| Cost of funding earning assets | 0.5922% | 1,497 |
| Net interest margin | 4.4679% | 608 |
| Noninterest income to average assets | 0.6858% | 2,055 |
| Noninterest expense to average assets | 4.1224% | 456 |
| Loan and lease loss provision to assets | 0.1455% | 1,402 |
| Net operating income to assets | 0.6091% | 4,264 |
| Return on assets (ROA) | 0.6091% | 4,306 |
| Pretax return on assets | 0.6111% | 4,775 |
| Return on Equity (ROE) | 7.4251% | 3,323 |
| Retained earnings to average equity (ytd only) | 4.5993% | 2,974 |
| Net charge-offs to loans | 0.0459% | 2,294 |
| Credit loss provision to net charge-offs | 375.0000% | 825 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,830 |
| Efficiency ratio | 84.0755% | 835 |
| Assets per employee ($millions) | 2.6549% | 5,490 |
| Cash dividends to net income (ytd only)* | 38.0573% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5439% | 1,419 |
| Loan loss allowance to noncurrent loans | 200.2209% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 1.0391% | 1,686 |
| Noncurrent loans to loans | 0.7711% | 2,474 |
| Net loans and leases to total assets | 81.6405% | 722 |
| Net loans and leases to deposits | 89.8058% | 1,752 |
| Net loans and leases to core deposits | 102.9991% | 1,437 |
| Total domestic deposits to total assets | 90.9078% | 242 |
| Equity capital to assets | 8.0314% | 5,523 |
| Core capital (leverage) ratio | 8.2527% | 5,390 |
| Tier 1 risk-based capital ratio | 10.1679% | 5,586 |
| Total risk-based capital ratio | 11.4224% | 5,525 |
| Memoranda: | ||
| Average total assets | $206,189,000 | 2,893 |
| Average earning assets | $193,512,670 | 2,865 |
| Average equity | $16,915,670 | 3,542 |
| Average total loans | $174,183,670 | 2,402 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9756% | 546 |
| Cost of funding earning assets | 0.5692% | 1,591 |
| Net interest margin | 4.4064% | 630 |
| Noninterest income to average assets | 0.6519% | 2,168 |
| Noninterest expense to average assets | 4.2839% | 388 |
| Loan and lease loss provision to assets | 0.1477% | 1,266 |
| Net operating income to assets | 0.3526% | 5,068 |
| Return on assets (ROA) | 0.3526% | 5,088 |
| Pretax return on assets | 0.3526% | 5,232 |
| Return on Equity (ROE) | 4.2506% | 4,687 |
| Retained earnings to average equity (ytd only) | 4.2506% | 3,315 |
| Net charge-offs to loans | 0.0346% | 2,086 |
| Credit loss provision to net charge-offs | 500.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 16.9333% | 1,620 |
| Efficiency ratio | 89.0902% | 602 |
| Assets per employee ($millions) | 2.5552% | 5,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 1,620 |
| Loan loss allowance to noncurrent loans | 120.9882% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.4985% | 1,069 |
| Noncurrent loans to loans | 1.2575% | 1,604 |
| Net loans and leases to total assets | 85.5818% | 251 |
| Net loans and leases to deposits | 94.5500% | 1,061 |
| Net loans and leases to core deposits | 106.9928% | 1,034 |
| Total domestic deposits to total assets | 90.5149% | 471 |
| Equity capital to assets | 8.3889% | 5,310 |
| Core capital (leverage) ratio | 8.3545% | 5,339 |
| Tier 1 risk-based capital ratio | 10.6795% | 5,466 |
| Total risk-based capital ratio | 11.9351% | 5,380 |
| Memoranda: | ||
| Average total assets | $203,088,000 | 2,957 |
| Average earning assets | $190,451,000 | 2,926 |
| Average equity | $16,844,500 | 3,567 |
| Average total loans | $173,217,500 | 2,424 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1034% | 494 |
| Cost of funding earning assets | 0.5464% | 1,726 |
| Net interest margin | 4.5570% | 544 |
| Noninterest income to average assets | 0.6325% | 2,490 |
| Noninterest expense to average assets | 3.8781% | 712 |
| Loan and lease loss provision to assets | 0.1484% | 1,680 |
| Net operating income to assets | 0.8887% | 2,884 |
| Return on assets (ROA) | 0.8887% | 3,000 |
| Pretax return on assets | 0.8911% | 3,878 |
| Return on Equity (ROE) | 10.7972% | 1,652 |
| Retained earnings to average equity (ytd only) | 2.1270% | 4,322 |
| Net charge-offs to loans | -0.0012% | 4,663 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4292% | 1,639 |
| Assets per employee ($millions) | 2.4616% | 5,674 |
| Cash dividends to net income (ytd only)* | 80.3005% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5257% | 1,580 |
| Loan loss allowance to noncurrent loans | 151.3341% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.8903% | 2,128 |
| Noncurrent loans to loans | 1.0081% | 2,075 |
| Net loans and leases to total assets | 82.4221% | 549 |
| Net loans and leases to deposits | 90.9631% | 1,582 |
| Net loans and leases to core deposits | 101.7234% | 1,461 |
| Total domestic deposits to total assets | 90.6105% | 414 |
| Equity capital to assets | 8.2007% | 5,470 |
| Core capital (leverage) ratio | 8.0982% | 5,565 |
| Tier 1 risk-based capital ratio | 10.7289% | 5,475 |
| Total risk-based capital ratio | 11.9844% | 5,378 |
| Memoranda: | ||
| Average total assets | $202,213,600 | 2,933 |
| Average earning assets | $190,147,800 | 2,893 |
| Average equity | $16,643,200 | 3,600 |
| Average total loans | $167,543,400 | 2,439 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0333% | 562 |
| Cost of funding earning assets | 0.5371% | 1,816 |
| Net interest margin | 4.4962% | 636 |
| Noninterest income to average assets | 0.6055% | 2,635 |
| Noninterest expense to average assets | 3.9122% | 663 |
| Loan and lease loss provision to assets | 0.1487% | 1,579 |
| Net operating income to assets | 0.7701% | 3,514 |
| Return on assets (ROA) | 0.7701% | 3,656 |
| Pretax return on assets | 0.7728% | 4,399 |
| Return on Equity (ROE) | 9.3486% | 2,335 |
| Retained earnings to average equity (ytd only) | 0.5216% | 5,224 |
| Net charge-offs to loans | 0.0008% | 3,926 |
| Credit loss provision to net charge-offs | 22,500.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 1,397.4586% | 41 |
| Efficiency ratio | 80.4978% | 1,377 |
| Assets per employee ($millions) | 2.6240% | 5,659 |
| Cash dividends to net income (ytd only)* | 94.4209% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 1,799 |
| Loan loss allowance to noncurrent loans | 141.7927% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.9239% | 2,251 |
| Noncurrent loans to loans | 1.0508% | 2,139 |
| Net loans and leases to total assets | 81.7612% | 656 |
| Net loans and leases to deposits | 90.0440% | 1,749 |
| Net loans and leases to core deposits | 100.1250% | 1,623 |
| Total domestic deposits to total assets | 90.8015% | 241 |
| Equity capital to assets | 8.0557% | 5,720 |
| Core capital (leverage) ratio | 8.0201% | 5,677 |
| Tier 1 risk-based capital ratio | 10.7844% | 5,481 |
| Total risk-based capital ratio | 12.0395% | 5,390 |
| Memoranda: | ||
| Average total assets | $201,688,750 | 2,946 |
| Average earning assets | $189,665,500 | 2,912 |
| Average equity | $16,615,250 | 3,638 |
| Average total loans | $166,677,250 | 2,450 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0764% | 510 |
| Cost of funding earning assets | 0.5236% | 1,919 |
| Net interest margin | 4.5527% | 546 |
| Noninterest income to average assets | 0.5710% | 2,791 |
| Noninterest expense to average assets | 3.9593% | 623 |
| Loan and lease loss provision to assets | 0.1495% | 1,537 |
| Net operating income to assets | 0.7404% | 3,603 |
| Return on assets (ROA) | 0.7404% | 3,760 |
| Pretax return on assets | 0.7424% | 4,485 |
| Return on Equity (ROE) | 8.9208% | 2,530 |
| Retained earnings to average equity (ytd only) | 4.9587% | 2,765 |
| Net charge-offs to loans | 0.0097% | 3,371 |
| Credit loss provision to net charge-offs | 1,875.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 111.8750% | 522 |
| Efficiency ratio | 81.1832% | 1,365 |
| Assets per employee ($millions) | 2.5604% | 5,757 |
| Cash dividends to net income (ytd only)* | 44.4145% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4465% | 2,079 |
| Loan loss allowance to noncurrent loans | 135.9046% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.9859% | 2,169 |
| Noncurrent loans to loans | 1.0643% | 2,163 |
| Net loans and leases to total assets | 83.5504% | 458 |
| Net loans and leases to deposits | 92.4376% | 1,457 |
| Net loans and leases to core deposits | 103.5015% | 1,365 |
| Total domestic deposits to total assets | 90.3857% | 358 |
| Equity capital to assets | 8.4341% | 5,634 |
| Core capital (leverage) ratio | 8.4302% | 5,421 |
| Tier 1 risk-based capital ratio | 11.0350% | 5,406 |
| Total risk-based capital ratio | 12.2892% | 5,321 |
| Memoranda: | ||
| Average total assets | $200,693,670 | 2,974 |
| Average earning assets | $188,678,670 | 2,943 |
| Average equity | $16,657,670 | 3,635 |
| Average total loans | $165,611,330 | 2,469 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8353% | 791 |
| Cost of funding earning assets | 0.5116% | 2,013 |
| Net interest margin | 4.3236% | 884 |
| Noninterest income to average assets | 0.5706% | 2,673 |
| Noninterest expense to average assets | 3.9625% | 633 |
| Loan and lease loss provision to assets | 0.1491% | 1,418 |
| Net operating income to assets | 0.5229% | 4,534 |
| Return on assets (ROA) | 0.5229% | 4,640 |
| Pretax return on assets | 0.5249% | 5,017 |
| Return on Equity (ROE) | 6.3509% | 3,798 |
| Retained earnings to average equity (ytd only) | 6.3509% | 2,205 |
| Net charge-offs to loans | 0.0415% | 2,172 |
| Credit loss provision to net charge-offs | 441.1765% | 659 |
| Earnings coverage of net charge-offs (x) | 19.9412% | 1,485 |
| Efficiency ratio | 84.9914% | 1,063 |
| Assets per employee ($millions) | 2.6137% | 5,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4368% | 2,259 |
| Loan loss allowance to noncurrent loans | 128.2538% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.0139% | 2,178 |
| Noncurrent loans to loans | 1.1203% | 2,155 |
| Net loans and leases to total assets | 81.6726% | 606 |
| Net loans and leases to deposits | 90.3123% | 1,543 |
| Net loans and leases to core deposits | 100.6658% | 1,431 |
| Total domestic deposits to total assets | 90.4336% | 447 |
| Equity capital to assets | 8.4091% | 5,628 |
| Core capital (leverage) ratio | 8.3307% | 5,541 |
| Tier 1 risk-based capital ratio | 11.1805% | 5,405 |
| Total risk-based capital ratio | 12.4348% | 5,312 |
| Memoranda: | ||
| Average total assets | $201,184,000 | 2,976 |
| Average earning assets | $189,192,500 | 2,942 |
| Average equity | $16,564,500 | 3,651 |
| Average total loans | $163,762,000 | 2,482 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2263% | 411 |
| Cost of funding earning assets | 0.4414% | 2,729 |
| Net interest margin | 4.7848% | 385 |
| Noninterest income to average assets | 0.6462% | 2,480 |
| Noninterest expense to average assets | 4.0950% | 602 |
| Loan and lease loss provision to assets | 0.0528% | 3,256 |
| Net operating income to assets | 0.9804% | 2,465 |
| Return on assets (ROA) | 0.9804% | 2,541 |
| Pretax return on assets | 0.9826% | 3,535 |
| Return on Equity (ROE) | 11.1750% | 1,553 |
| Retained earnings to average equity (ytd only) | -2.9107% | 5,815 |
| Net charge-offs to loans | 0.0474% | 3,261 |
| Credit loss provision to net charge-offs | 133.7838% | 1,962 |
| Earnings coverage of net charge-offs (x) | 26.2432% | 1,595 |
| Efficiency ratio | 79.3723% | 1,764 |
| Assets per employee ($millions) | 2.6806% | 5,783 |
| Cash dividends to net income (ytd only)* | 126.0468% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 2,344 |
| Loan loss allowance to noncurrent loans | 113.4776% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.0632% | 2,059 |
| Noncurrent loans to loans | 1.2478% | 1,891 |
| Net loans and leases to total assets | 78.8391% | 1,015 |
| Net loans and leases to deposits | 86.9190% | 2,014 |
| Net loans and leases to core deposits | 96.7036% | 1,776 |
| Total domestic deposits to total assets | 90.7041% | 374 |
| Equity capital to assets | 8.0623% | 5,830 |
| Core capital (leverage) ratio | 8.2836% | 5,621 |
| Tier 1 risk-based capital ratio | 11.1287% | 5,455 |
| Total risk-based capital ratio | 12.3827% | 5,355 |
| Memoranda: | ||
| Average total assets | $187,570,400 | 3,083 |
| Average earning assets | $175,784,800 | 3,043 |
| Average equity | $16,456,400 | 3,608 |
| Average total loans | $156,090,000 | 2,515 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2399% | 414 |
| Cost of funding earning assets | 0.4255% | 2,957 |
| Net interest margin | 4.8144% | 365 |
| Noninterest income to average assets | 0.6538% | 2,460 |
| Noninterest expense to average assets | 4.1677% | 551 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9880% | 2,525 |
| Return on assets (ROA) | 0.9880% | 2,611 |
| Pretax return on assets | 0.9909% | 3,648 |
| Return on Equity (ROE) | 11.0135% | 1,704 |
| Retained earnings to average equity (ytd only) | -6.2761% | 6,063 |
| Net charge-offs to loans | 0.0242% | 3,454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 48.7174% | 1,076 |
| Efficiency ratio | 80.3408% | 1,612 |
| Assets per employee ($millions) | 2.5696% | 5,923 |
| Cash dividends to net income (ytd only)* | 156.9854% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4055% | 2,573 |
| Loan loss allowance to noncurrent loans | 106.7773% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 1.2128% | 1,948 |
| Noncurrent loans to loans | 1.3163% | 1,939 |
| Net loans and leases to total assets | 84.2549% | 368 |
| Net loans and leases to deposits | 93.5328% | 1,253 |
| Net loans and leases to core deposits | 104.4683% | 1,200 |
| Total domestic deposits to total assets | 90.0806% | 543 |
| Equity capital to assets | 8.6058% | 5,642 |
| Core capital (leverage) ratio | 8.5945% | 5,467 |
| Tier 1 risk-based capital ratio | 10.8550% | 5,730 |
| Total risk-based capital ratio | 12.1085% | 5,656 |
| Memoranda: | ||
| Average total assets | $183,531,750 | 3,152 |
| Average earning assets | $171,729,750 | 3,122 |
| Average equity | $16,464,250 | 3,630 |
| Average total loans | $154,382,000 | 2,552 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1009% | 499 |
| Cost of funding earning assets | 0.3990% | 3,286 |
| Net interest margin | 4.7019% | 446 |
| Noninterest income to average assets | 0.6455% | 2,500 |
| Noninterest expense to average assets | 4.2035% | 540 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8387% | 3,175 |
| Return on assets (ROA) | 0.8387% | 3,286 |
| Pretax return on assets | 0.8409% | 4,160 |
| Return on Equity (ROE) | 9.2207% | 2,423 |
| Retained earnings to average equity (ytd only) | -13.1311% | 6,216 |
| Net charge-offs to loans | 0.0328% | 3,008 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 30.6400% | 1,351 |
| Efficiency ratio | 82.8727% | 1,392 |
| Assets per employee ($millions) | 2.4456% | 6,061 |
| Cash dividends to net income (ytd only)* | 242.4084% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 2,554 |
| Loan loss allowance to noncurrent loans | 79.9150% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 1.6522% | 1,455 |
| Noncurrent loans to loans | 1.8042% | 1,418 |
| Net loans and leases to total assets | 85.2129% | 284 |
| Net loans and leases to deposits | 94.2386% | 1,127 |
| Net loans and leases to core deposits | 104.4357% | 1,162 |
| Total domestic deposits to total assets | 90.4224% | 486 |
| Equity capital to assets | 8.7482% | 5,491 |
| Core capital (leverage) ratio | 8.8268% | 5,191 |
| Tier 1 risk-based capital ratio | 10.8124% | 5,797 |
| Total risk-based capital ratio | 12.0661% | 5,735 |
| Memoranda: | ||
| Average total assets | $182,181,670 | 3,191 |
| Average earning assets | $170,441,330 | 3,162 |
| Average equity | $16,571,330 | 3,629 |
| Average total loans | $152,409,330 | 2,587 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9318% | 651 |
| Cost of funding earning assets | 0.4114% | 3,178 |
| Net interest margin | 4.5204% | 585 |
| Noninterest income to average assets | 0.7156% | 2,095 |
| Noninterest expense to average assets | 4.1929% | 560 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7528% | 3,522 |
| Return on assets (ROA) | 0.7528% | 3,658 |
| Pretax return on assets | 0.7550% | 4,409 |
| Return on Equity (ROE) | 8.1223% | 2,898 |
| Retained earnings to average equity (ytd only) | 1.4167% | 4,917 |
| Net charge-offs to loans | 0.0186% | 2,786 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 49.2857% | 843 |
| Efficiency ratio | 84.2548% | 1,353 |
| Assets per employee ($millions) | 2.3974% | 6,157 |
| Cash dividends to net income (ytd only)* | 82.5581% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 2,359 |
| Loan loss allowance to noncurrent loans | 89.1807% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 1.5116% | 1,729 |
| Noncurrent loans to loans | 1.7076% | 1,607 |
| Net loans and leases to total assets | 81.8191% | 483 |
| Net loans and leases to deposits | 90.9430% | 1,300 |
| Net loans and leases to core deposits | 98.6899% | 1,409 |
| Total domestic deposits to total assets | 89.9674% | 755 |
| Equity capital to assets | 9.4458% | 4,812 |
| Core capital (leverage) ratio | 9.3013% | 4,568 |
| Tier 1 risk-based capital ratio | 12.0839% | 5,180 |
| Total risk-based capital ratio | 13.3359% | 5,086 |
| Memoranda: | ||
| Average total assets | $182,785,000 | 3,204 |
| Average earning assets | $171,134,500 | 3,165 |
| Average equity | $16,941,000 | 3,599 |
| Average total loans | $150,379,000 | 2,617 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0394% | 715 |
| Cost of funding earning assets | 0.4520% | 3,149 |
| Net interest margin | 4.5874% | 629 |
| Noninterest income to average assets | 0.5985% | 2,864 |
| Noninterest expense to average assets | 4.0215% | 737 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8700% | 3,021 |
| Return on assets (ROA) | 0.8700% | 3,114 |
| Pretax return on assets | 0.8716% | 3,993 |
| Return on Equity (ROE) | 9.7290% | 2,239 |
| Retained earnings to average equity (ytd only) | 2.7340% | 4,295 |
| Net charge-offs to loans | 0.1270% | 2,757 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 8.8736% | 2,817 |
| Efficiency ratio | 81.7119% | 1,694 |
| Assets per employee ($millions) | 2.3515% | 6,250 |
| Cash dividends to net income (ytd only)* | 71.8983% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 2,442 |
| Loan loss allowance to noncurrent loans | 59.0627% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 2.2254% | 1,090 |
| Noncurrent loans to loans | 2.5514% | 991 |
| Net loans and leases to total assets | 80.2558% | 711 |
| Net loans and leases to deposits | 88.8132% | 1,637 |
| Net loans and leases to core deposits | 97.8531% | 1,562 |
| Total domestic deposits to total assets | 90.3648% | 589 |
| Equity capital to assets | 9.0964% | 5,185 |
| Core capital (leverage) ratio | 9.0081% | 4,991 |
| Tier 1 risk-based capital ratio | 12.2219% | 5,213 |
| Total risk-based capital ratio | 13.4768% | 5,119 |
| Memoranda: | ||
| Average total assets | $185,281,400 | 3,155 |
| Average earning assets | $173,451,600 | 3,116 |
| Average equity | $16,569,000 | 3,595 |
| Average total loans | $143,286,800 | 2,666 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0320% | 726 |
| Cost of funding earning assets | 0.4594% | 3,154 |
| Net interest margin | 4.5725% | 654 |
| Noninterest income to average assets | 0.6185% | 2,757 |
| Noninterest expense to average assets | 3.9835% | 768 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9116% | 2,860 |
| Return on assets (ROA) | 0.9116% | 2,957 |
| Pretax return on assets | 0.9138% | 3,932 |
| Return on Equity (ROE) | 10.2383% | 2,098 |
| Retained earnings to average equity (ytd only) | 0.8653% | 5,537 |
| Net charge-offs to loans | 0.1425% | 2,371 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 8.4039% | 2,802 |
| Efficiency ratio | 80.8705% | 1,779 |
| Assets per employee ($millions) | 2.5068% | 6,224 |
| Cash dividends to net income (ytd only)* | 91.5478% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5866% | 2,344 |
| Loan loss allowance to noncurrent loans | 74.7093% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 1.8054% | 1,642 |
| Noncurrent loans to loans | 2.1237% | 1,469 |
| Net loans and leases to total assets | 77.3435% | 1,050 |
| Net loans and leases to deposits | 85.4469% | 1,974 |
| Net loans and leases to core deposits | 94.2915% | 1,830 |
| Total domestic deposits to total assets | 90.5165% | 522 |
| Equity capital to assets | 8.9293% | 5,432 |
| Core capital (leverage) ratio | 8.8293% | 5,296 |
| Tier 1 risk-based capital ratio | 12.3496% | 5,268 |
| Total risk-based capital ratio | 13.6060% | 5,193 |
| Memoranda: | ||
| Average total assets | $185,160,250 | 3,186 |
| Average earning assets | $173,261,750 | 3,146 |
| Average equity | $16,486,750 | 3,618 |
| Average total loans | $141,266,250 | 2,708 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9247% | 870 |
| Cost of funding earning assets | 0.4635% | 3,179 |
| Net interest margin | 4.4612% | 764 |
| Noninterest income to average assets | 0.5674% | 3,004 |
| Noninterest expense to average assets | 4.0055% | 755 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7328% | 3,661 |
| Return on assets (ROA) | 0.7328% | 3,751 |
| Pretax return on assets | 0.7339% | 4,525 |
| Return on Equity (ROE) | 8.2377% | 2,965 |
| Retained earnings to average equity (ytd only) | -2.7945% | 6,077 |
| Net charge-offs to loans | 0.1173% | 2,493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.2805% | 2,517 |
| Efficiency ratio | 84.0137% | 1,512 |
| Assets per employee ($millions) | 2.4574% | 6,322 |
| Cash dividends to net income (ytd only)* | 133.9233% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6375% | 2,331 |
| Loan loss allowance to noncurrent loans | 197.5124% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 1.0472% | 2,973 |
| Noncurrent loans to loans | 0.8291% | 3,629 |
| Net loans and leases to total assets | 77.6362% | 951 |
| Net loans and leases to deposits | 85.7490% | 1,844 |
| Net loans and leases to core deposits | 94.6768% | 1,720 |
| Total domestic deposits to total assets | 90.5389% | 571 |
| Equity capital to assets | 8.8067% | 5,514 |
| Core capital (leverage) ratio | 8.7641% | 5,317 |
| Tier 1 risk-based capital ratio | 12.0913% | 5,484 |
| Total risk-based capital ratio | 13.3481% | 5,408 |
| Memoranda: | ||
| Average total assets | $185,046,670 | 3,207 |
| Average earning assets | $173,047,330 | 3,159 |
| Average equity | $16,461,000 | 3,622 |
| Average total loans | $139,759,670 | 2,734 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6882% | 1,282 |
| Cost of funding earning assets | 0.4610% | 3,302 |
| Net interest margin | 4.2272% | 1,148 |
| Noninterest income to average assets | 0.5803% | 2,857 |
| Noninterest expense to average assets | 3.9306% | 822 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6040% | 4,184 |
| Return on assets (ROA) | 0.6040% | 4,259 |
| Pretax return on assets | 0.6062% | 4,808 |
| Return on Equity (ROE) | 6.7568% | 3,603 |
| Retained earnings to average equity (ytd only) | 5.3813% | 2,863 |
| Net charge-offs to loans | 0.0175% | 3,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 46.8333% | 791 |
| Efficiency ratio | 86.1151% | 1,440 |
| Assets per employee ($millions) | 2.4217% | 6,409 |
| Cash dividends to net income (ytd only)* | 20.3571% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7953% | 2,059 |
| Loan loss allowance to noncurrent loans | 167.5528% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 1.0182% | 3,220 |
| Noncurrent loans to loans | 1.0715% | 3,280 |
| Net loans and leases to total assets | 73.0537% | 1,422 |
| Net loans and leases to deposits | 80.8335% | 2,183 |
| Net loans and leases to core deposits | 89.2079% | 1,983 |
| Total domestic deposits to total assets | 90.3755% | 875 |
| Equity capital to assets | 9.0703% | 5,030 |
| Core capital (leverage) ratio | 8.9334% | 5,095 |
| Tier 1 risk-based capital ratio | 12.6392% | 5,230 |
| Total risk-based capital ratio | 13.8969% | 5,160 |
| Memoranda: | ||
| Average total assets | $185,419,000 | 3,229 |
| Average earning assets | $173,541,500 | 3,175 |
| Average equity | $16,576,000 | 3,607 |
| Average total loans | $136,906,000 | 2,783 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2501% | 579 |
| Cost of funding earning assets | 0.4744% | 3,870 |
| Net interest margin | 4.7757% | 451 |
| Noninterest income to average assets | 0.6350% | 2,888 |
| Noninterest expense to average assets | 3.8785% | 1,019 |
| Loan and lease loss provision to assets | 0.2299% | 1,575 |
| Net operating income to assets | 0.9826% | 2,405 |
| Return on assets (ROA) | 0.9826% | 2,478 |
| Pretax return on assets | 0.9848% | 3,415 |
| Return on Equity (ROE) | 11.0472% | 1,751 |
| Retained earnings to average equity (ytd only) | 3.5203% | 3,720 |
| Net charge-offs to loans | 0.1592% | 3,209 |
| Credit loss provision to net charge-offs | 184.2105% | 1,244 |
| Earnings coverage of net charge-offs (x) | 9.7325% | 2,467 |
| Efficiency ratio | 75.6879% | 2,829 |
| Assets per employee ($millions) | 2.5943% | 6,320 |
| Cash dividends to net income (ytd only)* | 68.1337% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7999% | 2,068 |
| Loan loss allowance to noncurrent loans | 182.5185% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.9406% | 3,551 |
| Noncurrent loans to loans | 0.9861% | 3,548 |
| Net loans and leases to total assets | 71.9718% | 1,683 |
| Net loans and leases to deposits | 79.3631% | 2,544 |
| Net loans and leases to core deposits | 87.5541% | 2,287 |
| Total domestic deposits to total assets | 90.6867% | 709 |
| Equity capital to assets | 8.8111% | 5,242 |
| Core capital (leverage) ratio | 8.7722% | 5,329 |
| Tier 1 risk-based capital ratio | 12.4740% | 5,307 |
| Total risk-based capital ratio | 13.7316% | 5,251 |
| Memoranda: | ||
| Average total assets | $182,673,000 | 3,243 |
| Average earning assets | $170,529,200 | 3,215 |
| Average equity | $16,248,400 | 3,666 |
| Average total loans | $143,182,000 | 2,654 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3678% | 470 |
| Cost of funding earning assets | 0.4737% | 4,031 |
| Net interest margin | 4.8941% | 369 |
| Noninterest income to average assets | 0.6415% | 2,920 |
| Noninterest expense to average assets | 3.9791% | 878 |
| Loan and lease loss provision to assets | 0.2826% | 1,226 |
| Net operating income to assets | 0.9425% | 2,628 |
| Return on assets (ROA) | 0.9425% | 2,735 |
| Pretax return on assets | 0.9454% | 3,708 |
| Return on Equity (ROE) | 10.5703% | 1,974 |
| Retained earnings to average equity (ytd only) | 1.8522% | 5,208 |
| Net charge-offs to loans | 0.2128% | 2,551 |
| Credit loss provision to net charge-offs | 166.6667% | 1,427 |
| Earnings coverage of net charge-offs (x) | 7.2425% | 2,822 |
| Efficiency ratio | 75.9656% | 2,739 |
| Assets per employee ($millions) | 2.6685% | 6,308 |
| Cash dividends to net income (ytd only)* | 82.4762% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7326% | 2,510 |
| Loan loss allowance to noncurrent loans | 185.1908% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.9857% | 3,685 |
| Noncurrent loans to loans | 0.9356% | 3,945 |
| Net loans and leases to total assets | 74.7295% | 1,171 |
| Net loans and leases to deposits | 82.4046% | 2,089 |
| Net loans and leases to core deposits | 90.7565% | 1,895 |
| Total domestic deposits to total assets | 90.6862% | 664 |
| Equity capital to assets | 8.7512% | 5,466 |
| Core capital (leverage) ratio | 8.7582% | 5,465 |
| Tier 1 risk-based capital ratio | 12.1671% | 5,672 |
| Total risk-based capital ratio | 13.4244% | 5,606 |
| Memoranda: | ||
| Average total assets | $181,644,500 | 3,283 |
| Average earning assets | $169,451,500 | 3,252 |
| Average equity | $16,196,000 | 3,711 |
| Average total loans | $144,753,000 | 2,651 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4618% | 399 |
| Cost of funding earning assets | 0.4784% | 4,117 |
| Net interest margin | 4.9834% | 317 |
| Noninterest income to average assets | 0.6648% | 2,827 |
| Noninterest expense to average assets | 3.8934% | 987 |
| Loan and lease loss provision to assets | 0.3871% | 822 |
| Net operating income to assets | 1.0242% | 2,220 |
| Return on assets (ROA) | 1.0242% | 2,342 |
| Pretax return on assets | 1.0276% | 3,385 |
| Return on Equity (ROE) | 11.4154% | 1,674 |
| Retained earnings to average equity (ytd only) | 7.1994% | 1,792 |
| Net charge-offs to loans | 0.1039% | 3,322 |
| Credit loss provision to net charge-offs | 460.5263% | 594 |
| Earnings coverage of net charge-offs (x) | 16.8289% | 1,639 |
| Efficiency ratio | 72.9110% | 3,320 |
| Assets per employee ($millions) | 2.5260% | 6,475 |
| Cash dividends to net income (ytd only)* | 36.9330% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7367% | 2,639 |
| Loan loss allowance to noncurrent loans | 193.7595% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.9909% | 3,780 |
| Noncurrent loans to loans | 0.8963% | 4,135 |
| Net loans and leases to total assets | 81.4712% | 393 |
| Net loans and leases to deposits | 90.3546% | 1,109 |
| Net loans and leases to core deposits | 98.9538% | 1,144 |
| Total domestic deposits to total assets | 90.1684% | 939 |
| Equity capital to assets | 9.3096% | 4,843 |
| Core capital (leverage) ratio | 9.1580% | 4,746 |
| Tier 1 risk-based capital ratio | 12.4773% | 5,526 |
| Total risk-based capital ratio | 13.7360% | 5,453 |
| Memoranda: | ||
| Average total assets | $180,818,000 | 3,301 |
| Average earning assets | $168,478,330 | 3,276 |
| Average equity | $16,223,670 | 3,735 |
| Average total loans | $146,330,330 | 2,627 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4302% | 412 |
| Cost of funding earning assets | 0.4838% | 4,252 |
| Net interest margin | 4.9464% | 315 |
| Noninterest income to average assets | 0.7155% | 2,507 |
| Noninterest expense to average assets | 3.9121% | 984 |
| Loan and lease loss provision to assets | 0.5361% | 499 |
| Net operating income to assets | 0.8752% | 2,776 |
| Return on assets (ROA) | 0.8752% | 2,930 |
| Pretax return on assets | 0.8752% | 3,853 |
| Return on Equity (ROE) | 9.9348% | 2,089 |
| Retained earnings to average equity (ytd only) | 9.9348% | 1,125 |
| Net charge-offs to loans | 0.0766% | 3,077 |
| Credit loss provision to net charge-offs | 875.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 23.0357% | 1,118 |
| Efficiency ratio | 73.0374% | 3,438 |
| Assets per employee ($millions) | 2.5321% | 6,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 3,030 |
| Loan loss allowance to noncurrent loans | 311.5144% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.7726% | 4,445 |
| Noncurrent loans to loans | 0.5444% | 5,082 |
| Net loans and leases to total assets | 80.2525% | 405 |
| Net loans and leases to deposits | 88.7613% | 1,076 |
| Net loans and leases to core deposits | 96.0547% | 1,198 |
| Total domestic deposits to total assets | 90.4138% | 810 |
| Equity capital to assets | 9.0711% | 5,401 |
| Core capital (leverage) ratio | 8.8759% | 5,086 |
| Tier 1 risk-based capital ratio | 12.0687% | 5,873 |
| Total risk-based capital ratio | 13.3265% | 5,820 |
| Memoranda: | ||
| Average total assets | $182,818,500 | 3,312 |
| Average earning assets | $170,306,500 | 3,277 |
| Average equity | $16,105,000 | 3,800 |
| Average total loans | $146,195,000 | 2,640 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6858% | 440 |
| Cost of funding earning assets | 0.5984% | 4,369 |
| Net interest margin | 5.0874% | 330 |
| Noninterest income to average assets | 0.6882% | 2,780 |
| Noninterest expense to average assets | 3.6434% | 1,513 |
| Loan and lease loss provision to assets | 0.2468% | 2,679 |
| Net operating income to assets | 1.5294% | 863 |
| Return on assets (ROA) | 1.5294% | 956 |
| Pretax return on assets | 1.5320% | 1,586 |
| Return on Equity (ROE) | 18.6046% | 391 |
| Retained earnings to average equity (ytd only) | 8.2288% | 1,057 |
| Net charge-offs to loans | 0.2974% | 3,159 |
| Credit loss provision to net charge-offs | 105.2632% | 2,830 |
| Earnings coverage of net charge-offs (x) | 7.5881% | 2,568 |
| Efficiency ratio | 66.7689% | 4,368 |
| Assets per employee ($millions) | 2.6551% | 6,476 |
| Cash dividends to net income (ytd only)* | 55.7699% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5602% | 3,474 |
| Loan loss allowance to noncurrent loans | 270.7986% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.9077% | 4,226 |
| Noncurrent loans to loans | 0.5761% | 5,086 |
| Net loans and leases to total assets | 77.1297% | 776 |
| Net loans and leases to deposits | 84.8115% | 1,661 |
| Net loans and leases to core deposits | 92.4517% | 1,598 |
| Total domestic deposits to total assets | 90.9425% | 519 |
| Equity capital to assets | 8.5560% | 6,004 |
| Core capital (leverage) ratio | 8.5497% | 5,542 |
| Tier 1 risk-based capital ratio | 11.7865% | 5,914 |
| Total risk-based capital ratio | 13.0420% | 5,882 |
| Memoranda: | ||
| Average total assets | $186,419,000 | 3,213 |
| Average earning assets | $173,468,400 | 3,181 |
| Average equity | $15,324,200 | 3,889 |
| Average total loans | $146,916,200 | 2,623 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7080% | 456 |
| Cost of funding earning assets | 0.6239% | 4,418 |
| Net interest margin | 5.0841% | 348 |
| Noninterest income to average assets | 0.6754% | 2,846 |
| Noninterest expense to average assets | 3.6935% | 1,373 |
| Loan and lease loss provision to assets | 0.2894% | 2,261 |
| Net operating income to assets | 1.4186% | 1,186 |
| Return on assets (ROA) | 1.4186% | 1,301 |
| Pretax return on assets | 1.4215% | 2,169 |
| Return on Equity (ROE) | 17.4351% | 561 |
| Retained earnings to average equity (ytd only) | 9.0030% | 1,229 |
| Net charge-offs to loans | 0.1947% | 3,561 |
| Credit loss provision to net charge-offs | 188.3721% | 1,467 |
| Earnings coverage of net charge-offs (x) | 11.1349% | 2,104 |
| Efficiency ratio | 67.9185% | 4,081 |
| Assets per employee ($millions) | 2.6304% | 6,569 |
| Cash dividends to net income (ytd only)* | 48.3628% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6527% | 3,322 |
| Loan loss allowance to noncurrent loans | 855.7895% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.6242% | 5,108 |
| Noncurrent loans to loans | 0.1931% | 6,127 |
| Net loans and leases to total assets | 79.9642% | 506 |
| Net loans and leases to deposits | 88.0487% | 1,341 |
| Net loans and leases to core deposits | 96.3060% | 1,393 |
| Total domestic deposits to total assets | 90.8182% | 460 |
| Equity capital to assets | 8.6325% | 6,156 |
| Core capital (leverage) ratio | 8.3877% | 5,910 |
| Tier 1 risk-based capital ratio | 11.4777% | 6,239 |
| Total risk-based capital ratio | 12.7311% | 6,207 |
| Memoranda: | ||
| Average total assets | $186,559,500 | 3,250 |
| Average earning assets | $173,531,000 | 3,218 |
| Average equity | $15,179,750 | 3,958 |
| Average total loans | $147,239,500 | 2,645 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6571% | 527 |
| Cost of funding earning assets | 0.6509% | 4,434 |
| Net interest margin | 5.0062% | 399 |
| Noninterest income to average assets | 0.6470% | 2,969 |
| Noninterest expense to average assets | 3.6792% | 1,413 |
| Loan and lease loss provision to assets | 0.3187% | 2,076 |
| Net operating income to assets | 1.3047% | 1,429 |
| Return on assets (ROA) | 1.3047% | 1,579 |
| Pretax return on assets | 1.3068% | 2,533 |
| Return on Equity (ROE) | 16.3548% | 719 |
| Retained earnings to average equity (ytd only) | 7.1386% | 2,027 |
| Net charge-offs to loans | 0.0816% | 4,328 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 25.5000% | 1,197 |
| Efficiency ratio | 68.9365% | 3,955 |
| Assets per employee ($millions) | 2.5783% | 6,682 |
| Cash dividends to net income (ytd only)* | 56.3518% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6745% | 3,341 |
| Loan loss allowance to noncurrent loans | 242.1206% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 1.0762% | 4,232 |
| Noncurrent loans to loans | 0.6916% | 5,121 |
| Net loans and leases to total assets | 79.8402% | 530 |
| Net loans and leases to deposits | 87.5891% | 1,409 |
| Net loans and leases to core deposits | 94.9681% | 1,509 |
| Total domestic deposits to total assets | 91.1530% | 406 |
| Equity capital to assets | 8.2887% | 6,388 |
| Core capital (leverage) ratio | 8.0574% | 6,212 |
| Tier 1 risk-based capital ratio | 11.0019% | 6,496 |
| Total risk-based capital ratio | 12.2593% | 6,470 |
| Memoranda: | ||
| Average total assets | $188,246,000 | 3,239 |
| Average earning assets | $175,144,000 | 3,202 |
| Average equity | $15,017,000 | 3,982 |
| Average total loans | $147,128,000 | 2,653 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5737% | 663 |
| Cost of funding earning assets | 0.6807% | 4,457 |
| Net interest margin | 4.8930% | 473 |
| Noninterest income to average assets | 0.5932% | 3,278 |
| Noninterest expense to average assets | 3.5695% | 1,627 |
| Loan and lease loss provision to assets | 0.3144% | 1,994 |
| Net operating income to assets | 1.2576% | 1,583 |
| Return on assets (ROA) | 1.2576% | 1,753 |
| Pretax return on assets | 1.2597% | 2,694 |
| Return on Equity (ROE) | 16.0653% | 800 |
| Retained earnings to average equity (ytd only) | 16.0653% | 364 |
| Net charge-offs to loans | 0.1120% | 3,451 |
| Credit loss provision to net charge-offs | 365.8537% | 847 |
| Earnings coverage of net charge-offs (x) | 18.3171% | 1,272 |
| Efficiency ratio | 68.9487% | 3,984 |
| Assets per employee ($millions) | 2.8304% | 6,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6029% | 3,708 |
| Loan loss allowance to noncurrent loans | 198.8196% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 1.3600% | 3,845 |
| Noncurrent loans to loans | 0.8062% | 5,062 |
| Net loans and leases to total assets | 76.3299% | 770 |
| Net loans and leases to deposits | 83.4567% | 1,732 |
| Net loans and leases to core deposits | 91.7335% | 1,678 |
| Total domestic deposits to total assets | 91.4605% | 383 |
| Equity capital to assets | 8.0312% | 6,502 |
| Core capital (leverage) ratio | 7.8670% | 6,362 |
| Tier 1 risk-based capital ratio | 10.9393% | 6,566 |
| Total risk-based capital ratio | 12.1953% | 6,552 |
| Memoranda: | ||
| Average total assets | $190,840,500 | 3,222 |
| Average earning assets | $177,476,500 | 3,183 |
| Average equity | $14,939,000 | 4,004 |
| Average total loans | $146,371,000 | 2,684 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7557% | 698 |
| Cost of funding earning assets | 0.8981% | 4,129 |
| Net interest margin | 4.8576% | 561 |
| Noninterest income to average assets | 0.5520% | 3,489 |
| Noninterest expense to average assets | 3.7177% | 1,505 |
| Loan and lease loss provision to assets | 0.4631% | 2,293 |
| Net operating income to assets | 0.8574% | 2,781 |
| Return on assets (ROA) | 0.8574% | 2,936 |
| Pretax return on assets | 0.8601% | 3,741 |
| Return on Equity (ROE) | 11.4344% | 1,576 |
| Retained earnings to average equity (ytd only) | 4.3408% | 3,091 |
| Net charge-offs to loans | 0.3619% | 3,596 |
| Credit loss provision to net charge-offs | 166.3498% | 1,628 |
| Earnings coverage of net charge-offs (x) | 4.7529% | 2,988 |
| Efficiency ratio | 73.2990% | 3,342 |
| Assets per employee ($millions) | 2.7833% | 6,481 |
| Cash dividends to net income (ytd only)* | 62.0370% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5443% | 3,814 |
| Loan loss allowance to noncurrent loans | 190.1099% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 1.4221% | 3,860 |
| Noncurrent loans to loans | 0.8123% | 5,070 |
| Net loans and leases to total assets | 74.6627% | 1,145 |
| Net loans and leases to deposits | 81.4272% | 2,286 |
| Net loans and leases to core deposits | 89.6504% | 2,175 |
| Total domestic deposits to total assets | 91.6926% | 284 |
| Equity capital to assets | 7.6274% | 6,758 |
| Core capital (leverage) ratio | 7.4332% | 6,683 |
| Tier 1 risk-based capital ratio | 10.4063% | 6,726 |
| Total risk-based capital ratio | 11.6609% | 6,702 |
| Memoranda: | ||
| Average total assets | $188,935,800 | 3,196 |
| Average earning assets | $174,591,800 | 3,166 |
| Average equity | $14,167,800 | 4,079 |
| Average total loans | $145,344,800 | 2,710 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7701% | 740 |
| Cost of funding earning assets | 0.9463% | 4,071 |
| Net interest margin | 4.8238% | 598 |
| Noninterest income to average assets | 0.5208% | 3,719 |
| Noninterest expense to average assets | 3.8059% | 1,295 |
| Loan and lease loss provision to assets | 0.5137% | 1,930 |
| Net operating income to assets | 0.6484% | 3,877 |
| Return on assets (ROA) | 0.6484% | 4,052 |
| Pretax return on assets | 0.6512% | 4,644 |
| Return on Equity (ROE) | 8.6845% | 2,750 |
| Retained earnings to average equity (ytd only) | 3.8819% | 3,956 |
| Net charge-offs to loans | 0.4158% | 3,062 |
| Credit loss provision to net charge-offs | 160.0442% | 1,921 |
| Earnings coverage of net charge-offs (x) | 3.6292% | 3,360 |
| Efficiency ratio | 76.1083% | 2,822 |
| Assets per employee ($millions) | 2.9203% | 6,275 |
| Cash dividends to net income (ytd only)* | 55.3005% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4906% | 4,147 |
| Loan loss allowance to noncurrent loans | 153.6775% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 1.6079% | 3,670 |
| Noncurrent loans to loans | 0.9699% | 4,948 |
| Net loans and leases to total assets | 74.5093% | 1,233 |
| Net loans and leases to deposits | 81.0020% | 2,524 |
| Net loans and leases to core deposits | 87.0348% | 2,628 |
| Total domestic deposits to total assets | 91.9846% | 215 |
| Equity capital to assets | 7.5090% | 6,928 |
| Core capital (leverage) ratio | 7.4894% | 6,770 |
| Tier 1 risk-based capital ratio | 10.2296% | 6,883 |
| Total risk-based capital ratio | 11.4833% | 6,869 |
| Memoranda: | ||
| Average total assets | $188,158,500 | 3,225 |
| Average earning assets | $173,580,250 | 3,189 |
| Average equity | $14,047,750 | 4,113 |
| Average total loans | $145,272,250 | 2,725 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7747% | 752 |
| Cost of funding earning assets | 0.9913% | 4,005 |
| Net interest margin | 4.7834% | 618 |
| Noninterest income to average assets | 0.5133% | 3,758 |
| Noninterest expense to average assets | 3.9736% | 1,090 |
| Loan and lease loss provision to assets | 0.6162% | 1,551 |
| Net operating income to assets | 0.3333% | 5,234 |
| Return on assets (ROA) | 0.3333% | 5,374 |
| Pretax return on assets | 0.3343% | 5,585 |
| Return on Equity (ROE) | 4.4729% | 4,712 |
| Retained earnings to average equity (ytd only) | -0.2876% | 5,905 |
| Net charge-offs to loans | 0.4576% | 2,749 |
| Credit loss provision to net charge-offs | 173.1928% | 1,746 |
| Earnings coverage of net charge-offs (x) | 2.6717% | 3,501 |
| Efficiency ratio | 80.2394% | 2,356 |
| Assets per employee ($millions) | 2.6508% | 6,719 |
| Cash dividends to net income (ytd only)* | 106.4309% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 4,287 |
| Loan loss allowance to noncurrent loans | 107.2573% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 1.9800% | 3,260 |
| Noncurrent loans to loans | 1.3634% | 4,374 |
| Net loans and leases to total assets | 77.8210% | 803 |
| Net loans and leases to deposits | 84.6631% | 2,001 |
| Net loans and leases to core deposits | 89.3577% | 2,454 |
| Total domestic deposits to total assets | 91.9184% | 252 |
| Equity capital to assets | 7.5750% | 6,916 |
| Core capital (leverage) ratio | 7.3553% | 6,839 |
| Tier 1 risk-based capital ratio | 9.6671% | 7,068 |
| Total risk-based capital ratio | 10.9175% | 7,073 |
| Memoranda: | ||
| Average total assets | $186,631,000 | 3,276 |
| Average earning assets | $172,096,330 | 3,240 |
| Average equity | $13,906,000 | 4,138 |
| Average total loans | $145,102,000 | 2,754 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7840% | 761 |
| Cost of funding earning assets | 1.0348% | 3,959 |
| Net interest margin | 4.7493% | 638 |
| Noninterest income to average assets | 0.4723% | 4,102 |
| Noninterest expense to average assets | 4.1588% | 857 |
| Loan and lease loss provision to assets | 0.8548% | 962 |
| Net operating income to assets | -0.1667% | 6,525 |
| Return on assets (ROA) | -0.1667% | 6,541 |
| Pretax return on assets | -0.1667% | 6,513 |
| Return on Equity (ROE) | -2.2558% | 6,613 |
| Retained earnings to average equity (ytd only) | -11.5682% | 6,930 |
| Net charge-offs to loans | 0.6594% | 1,888 |
| Credit loss provision to net charge-offs | 168.0672% | 1,715 |
| Earnings coverage of net charge-offs (x) | 1.3529% | 3,669 |
| Efficiency ratio | 85.3175% | 1,797 |
| Assets per employee ($millions) | 2.6190% | 6,816 |
| Cash dividends to net income (ytd only)* | -412.8205% | 7,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 4,576 |
| Loan loss allowance to noncurrent loans | 181.1072% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 1.6053% | 3,837 |
| Noncurrent loans to loans | 0.7824% | 5,472 |
| Net loans and leases to total assets | 77.1163% | 860 |
| Net loans and leases to deposits | 85.8629% | 1,756 |
| Net loans and leases to core deposits | 88.1088% | 2,586 |
| Total domestic deposits to total assets | 89.8133% | 1,273 |
| Equity capital to assets | 7.3364% | 6,957 |
| Core capital (leverage) ratio | 7.1772% | 6,926 |
| Tier 1 risk-based capital ratio | 9.5730% | 7,131 |
| Total risk-based capital ratio | 10.8167% | 7,134 |
| Memoranda: | ||
| Average total assets | $187,167,500 | 3,283 |
| Average earning assets | $172,406,000 | 3,265 |
| Average equity | $13,831,000 | 4,147 |
| Average total loans | $144,380,000 | 2,796 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8234% | 1,218 |
| Cost of funding earning assets | 1.6128% | 1,996 |
| Net interest margin | 4.2106% | 2,145 |
| Noninterest income to average assets | 0.5791% | 3,590 |
| Noninterest expense to average assets | 3.5179% | 2,128 |
| Loan and lease loss provision to assets | 0.5522% | 2,927 |
| Net operating income to assets | 0.3285% | 4,836 |
| Return on assets (ROA) | 0.3713% | 4,820 |
| Pretax return on assets | 0.3760% | 5,018 |
| Return on Equity (ROE) | 5.0664% | 4,041 |
| Retained earnings to average equity (ytd only) | 2.6195% | 4,028 |
| Net charge-offs to loans | 0.7264% | 2,839 |
| Credit loss provision to net charge-offs | 101.7493% | 4,455 |
| Earnings coverage of net charge-offs (x) | 1.6307% | 4,516 |
| Efficiency ratio | 79.3843% | 2,499 |
| Assets per employee ($millions) | 2.6533% | 6,764 |
| Cash dividends to net income (ytd only)* | 48.2955% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3259% | 4,872 |
| Loan loss allowance to noncurrent loans | 181.4709% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 1.4768% | 4,107 |
| Noncurrent loans to loans | 0.7306% | 5,587 |
| Net loans and leases to total assets | 75.0597% | 1,463 |
| Net loans and leases to deposits | 81.5453% | 2,897 |
| Net loans and leases to core deposits | 83.8867% | 3,612 |
| Total domestic deposits to total assets | 92.0466% | 273 |
| Equity capital to assets | 7.4422% | 6,908 |
| Core capital (leverage) ratio | 7.0988% | 6,973 |
| Tier 1 risk-based capital ratio | 10.0467% | 6,961 |
| Total risk-based capital ratio | 11.3051% | 6,943 |
| Memoranda: | ||
| Average total assets | $189,603,200 | 3,235 |
| Average earning assets | $172,183,200 | 3,241 |
| Average equity | $13,895,600 | 4,164 |
| Average total loans | $141,667,000 | 2,912 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8122% | 1,357 |
| Cost of funding earning assets | 1.7037% | 1,861 |
| Net interest margin | 4.1084% | 2,592 |
| Noninterest income to average assets | 0.5792% | 3,585 |
| Noninterest expense to average assets | 3.5455% | 1,920 |
| Loan and lease loss provision to assets | 0.3686% | 3,690 |
| Net operating income to assets | 0.3804% | 4,835 |
| Return on assets (ROA) | 0.4374% | 4,773 |
| Pretax return on assets | 0.4423% | 5,105 |
| Return on Equity (ROE) | 5.9912% | 3,816 |
| Retained earnings to average equity (ytd only) | 3.5389% | 3,961 |
| Net charge-offs to loans | 0.6201% | 2,885 |
| Credit loss provision to net charge-offs | 79.9087% | 5,137 |
| Earnings coverage of net charge-offs (x) | 1.6332% | 4,487 |
| Efficiency ratio | 81.9533% | 2,064 |
| Assets per employee ($millions) | 2.7723% | 6,646 |
| Cash dividends to net income (ytd only)* | 40.9306% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 5,419 |
| Loan loss allowance to noncurrent loans | 101.3318% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 1.5552% | 4,112 |
| Noncurrent loans to loans | 1.1986% | 4,846 |
| Net loans and leases to total assets | 74.4106% | 1,712 |
| Net loans and leases to deposits | 80.8190% | 3,301 |
| Net loans and leases to core deposits | 83.9843% | 3,939 |
| Total domestic deposits to total assets | 92.0707% | 181 |
| Equity capital to assets | 7.3679% | 7,198 |
| Core capital (leverage) ratio | 7.1605% | 7,082 |
| Tier 1 risk-based capital ratio | 10.0041% | 7,069 |
| Total risk-based capital ratio | 11.2614% | 7,050 |
| Memoranda: | ||
| Average total assets | $189,907,500 | 3,274 |
| Average earning assets | $171,934,250 | 3,287 |
| Average equity | $13,864,500 | 4,231 |
| Average total loans | $141,258,250 | 2,956 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7305% | 1,651 |
| Cost of funding earning assets | 1.7966% | 1,653 |
| Net interest margin | 3.9339% | 3,302 |
| Noninterest income to average assets | 0.5574% | 3,643 |
| Noninterest expense to average assets | 3.5693% | 1,858 |
| Loan and lease loss provision to assets | 0.2534% | 4,394 |
| Net operating income to assets | 0.2751% | 5,279 |
| Return on assets (ROA) | 0.3062% | 5,311 |
| Pretax return on assets | 0.3125% | 5,463 |
| Return on Equity (ROE) | 4.2066% | 4,681 |
| Retained earnings to average equity (ytd only) | 1.7406% | 4,998 |
| Net charge-offs to loans | 0.6785% | 2,521 |
| Credit loss provision to net charge-offs | 50.4202% | 5,407 |
| Earnings coverage of net charge-offs (x) | 1.0630% | 4,727 |
| Efficiency ratio | 86.4420% | 1,657 |
| Assets per employee ($millions) | 2.6697% | 6,827 |
| Cash dividends to net income (ytd only)* | 58.6207% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 5,684 |
| Loan loss allowance to noncurrent loans | 75.8525% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.7040% | 3,888 |
| Noncurrent loans to loans | 1.5184% | 4,430 |
| Net loans and leases to total assets | 74.5291% | 1,804 |
| Net loans and leases to deposits | 80.9264% | 3,444 |
| Net loans and leases to core deposits | 83.5947% | 4,189 |
| Total domestic deposits to total assets | 92.0950% | 207 |
| Equity capital to assets | 7.3157% | 7,216 |
| Core capital (leverage) ratio | 7.0261% | 7,177 |
| Tier 1 risk-based capital ratio | 9.6932% | 7,185 |
| Total risk-based capital ratio | 10.8844% | 7,207 |
| Memoranda: | ||
| Average total assets | $189,446,670 | 3,312 |
| Average earning assets | $170,770,000 | 3,329 |
| Average equity | $13,788,000 | 4,246 |
| Average total loans | $140,314,330 | 3,008 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7038% | 1,763 |
| Cost of funding earning assets | 1.8561% | 1,629 |
| Net interest margin | 3.8478% | 3,584 |
| Noninterest income to average assets | 0.5977% | 3,288 |
| Noninterest expense to average assets | 3.4932% | 2,000 |
| Loan and lease loss provision to assets | 0.1795% | 4,731 |
| Net operating income to assets | 0.3316% | 5,158 |
| Return on assets (ROA) | 0.3316% | 5,286 |
| Pretax return on assets | 0.3400% | 5,494 |
| Return on Equity (ROE) | 4.5678% | 4,614 |
| Retained earnings to average equity (ytd only) | 4.5678% | 3,410 |
| Net charge-offs to loans | 0.2331% | 3,533 |
| Credit loss provision to net charge-offs | 104.9383% | 3,265 |
| Earnings coverage of net charge-offs (x) | 3.0370% | 3,037 |
| Efficiency ratio | 86.4737% | 1,741 |
| Assets per employee ($millions) | 2.6319% | 6,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 4,595 |
| Loan loss allowance to noncurrent loans | 68.5320% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.7816% | 3,815 |
| Noncurrent loans to loans | 1.9926% | 3,798 |
| Net loans and leases to total assets | 71.8872% | 2,474 |
| Net loans and leases to deposits | 78.0074% | 4,040 |
| Net loans and leases to core deposits | 80.0882% | 4,755 |
| Total domestic deposits to total assets | 92.1544% | 215 |
| Equity capital to assets | 7.3068% | 7,207 |
| Core capital (leverage) ratio | 7.2166% | 7,098 |
| Tier 1 risk-based capital ratio | 9.9384% | 7,072 |
| Total risk-based capital ratio | 11.1973% | 7,055 |
| Memoranda: | ||
| Average total assets | $189,395,000 | 3,370 |
| Average earning assets | $168,097,000 | 3,432 |
| Average equity | $13,748,500 | 4,302 |
| Average total loans | $139,013,500 | 3,093 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0514% | 1,670 |
| Cost of funding earning assets | 2.3381% | 1,499 |
| Net interest margin | 3.7133% | 4,080 |
| Noninterest income to average assets | 0.6094% | 3,556 |
| Noninterest expense to average assets | 3.5916% | 2,166 |
| Loan and lease loss provision to assets | 0.5037% | 3,860 |
| Net operating income to assets | -0.1087% | 5,692 |
| Return on assets (ROA) | 0.0121% | 5,497 |
| Pretax return on assets | 0.0193% | 5,390 |
| Return on Equity (ROE) | 0.1586% | 5,487 |
| Retained earnings to average equity (ytd only) | -0.0072% | 4,927 |
| Net charge-offs to loans | 0.4738% | 3,882 |
| Credit loss provision to net charge-offs | 147.1061% | 3,203 |
| Earnings coverage of net charge-offs (x) | 0.9759% | 5,139 |
| Efficiency ratio | 90.8849% | 1,642 |
| Assets per employee ($millions) | 2.5931% | 7,052 |
| Cash dividends to net income (ytd only)* | 104.5455% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 4,510 |
| Loan loss allowance to noncurrent loans | 99.3140% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 1.2525% | 4,589 |
| Noncurrent loans to loans | 1.3544% | 4,660 |
| Net loans and leases to total assets | 72.9212% | 2,526 |
| Net loans and leases to deposits | 79.0314% | 4,166 |
| Net loans and leases to core deposits | 94.6542% | 4,606 |
| Total domestic deposits to total assets | 92.2687% | 219 |
| Equity capital to assets | 7.2115% | 7,252 |
| Core capital (leverage) ratio | 7.0717% | 7,177 |
| Tier 1 risk-based capital ratio | 9.7561% | 7,058 |
| Total risk-based capital ratio | 10.9943% | 7,048 |
| Memoranda: | ||
| Average total assets | $181,644,200 | 3,413 |
| Average earning assets | $162,225,800 | 3,479 |
| Average equity | $13,875,600 | 4,290 |
| Average total loans | $131,275,600 | 3,247 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0388% | 1,884 |
| Cost of funding earning assets | 2.4286% | 1,523 |
| Net interest margin | 3.6102% | 4,442 |
| Noninterest income to average assets | 0.6372% | 3,445 |
| Noninterest expense to average assets | 3.4384% | 2,452 |
| Loan and lease loss provision to assets | 0.6083% | 2,956 |
| Net operating income to assets | -0.1547% | 5,993 |
| Return on assets (ROA) | 0.0527% | 5,635 |
| Pretax return on assets | 0.0616% | 5,595 |
| Return on Equity (ROE) | 0.6795% | 5,583 |
| Retained earnings to average equity (ytd only) | 0.4594% | 5,010 |
| Net charge-offs to loans | 0.6289% | 2,794 |
| Credit loss provision to net charge-offs | 134.6470% | 3,692 |
| Earnings coverage of net charge-offs (x) | 0.9491% | 5,106 |
| Efficiency ratio | 88.2985% | 1,837 |
| Assets per employee ($millions) | 2.6150% | 7,021 |
| Cash dividends to net income (ytd only)* | 32.4002% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 4,504 |
| Loan loss allowance to noncurrent loans | 113.7800% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 1.0880% | 4,902 |
| Noncurrent loans to loans | 1.1422% | 5,036 |
| Net loans and leases to total assets | 73.6334% | 2,635 |
| Net loans and leases to deposits | 79.9343% | 4,399 |
| Net loans and leases to core deposits | 96.2374% | 4,784 |
| Total domestic deposits to total assets | 92.1174% | 157 |
| Equity capital to assets | 7.4010% | 7,373 |
| Core capital (leverage) ratio | 7.2292% | 7,237 |
| Tier 1 risk-based capital ratio | 9.6867% | 7,247 |
| Total risk-based capital ratio | 10.9438% | 7,198 |
| Memoranda: | ||
| Average total assets | $179,731,250 | 3,470 |
| Average earning assets | $160,801,750 | 3,536 |
| Average equity | $13,931,750 | 4,309 |
| Average total loans | $129,114,750 | 3,318 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9545% | 2,363 |
| Cost of funding earning assets | 2.4859% | 1,665 |
| Net interest margin | 3.4687% | 4,941 |
| Noninterest income to average assets | 0.5975% | 3,719 |
| Noninterest expense to average assets | 3.7164% | 1,804 |
| Loan and lease loss provision to assets | 0.1013% | 6,158 |
| Net operating income to assets | -0.1079% | 6,027 |
| Return on assets (ROA) | 0.0709% | 5,741 |
| Pretax return on assets | 0.0754% | 5,730 |
| Return on Equity (ROE) | 0.9003% | 5,660 |
| Retained earnings to average equity (ytd only) | 0.5716% | 4,970 |
| Net charge-offs to loans | 0.6937% | 2,314 |
| Credit loss provision to net charge-offs | 20.5950% | 6,122 |
| Earnings coverage of net charge-offs (x) | -0.0275% | 5,721 |
| Efficiency ratio | 99.7265% | 1,190 |
| Assets per employee ($millions) | 2.2648% | 7,604 |
| Cash dividends to net income (ytd only)* | 36.5079% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 6,585 |
| Loan loss allowance to noncurrent loans | 54.0941% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 2.1508% | 2,997 |
| Noncurrent loans to loans | 1.7433% | 3,893 |
| Net loans and leases to total assets | 72.0046% | 3,228 |
| Net loans and leases to deposits | 78.5463% | 4,776 |
| Net loans and leases to core deposits | 93.5245% | 5,171 |
| Total domestic deposits to total assets | 91.6716% | 275 |
| Equity capital to assets | 7.6518% | 7,132 |
| Core capital (leverage) ratio | 7.4251% | 7,107 |
| Tier 1 risk-based capital ratio | 10.0899% | 6,833 |
| Total risk-based capital ratio | 11.0341% | 7,098 |
| Memoranda: | ||
| Average total assets | $177,754,000 | 3,515 |
| Average earning assets | $159,139,670 | 3,576 |
| Average equity | $13,995,330 | 4,305 |
| Average total loans | $125,983,000 | 3,420 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9204% | 2,695 |
| Cost of funding earning assets | 2.5034% | 1,904 |
| Net interest margin | 3.4169% | 5,070 |
| Noninterest income to average assets | 0.6430% | 3,248 |
| Noninterest expense to average assets | 3.5811% | 1,902 |
| Loan and lease loss provision to assets | 0.2045% | 4,407 |
| Net operating income to assets | -0.0611% | 6,347 |
| Return on assets (ROA) | 0.1227% | 6,078 |
| Pretax return on assets | 0.1318% | 6,095 |
| Return on Equity (ROE) | 1.5362% | 5,949 |
| Retained earnings to average equity (ytd only) | 1.5362% | 4,992 |
| Net charge-offs to loans | 0.5588% | 2,070 |
| Credit loss provision to net charge-offs | 52.3256% | 4,637 |
| Earnings coverage of net charge-offs (x) | 0.3547% | 4,689 |
| Efficiency ratio | 95.6017% | 1,335 |
| Assets per employee ($millions) | 2.4074% | 7,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 4,623 |
| Loan loss allowance to noncurrent loans | 120.1754% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.9321% | 4,859 |
| Noncurrent loans to loans | 1.0194% | 4,960 |
| Net loans and leases to total assets | 69.1395% | 3,882 |
| Net loans and leases to deposits | 75.6207% | 5,273 |
| Net loans and leases to core deposits | 89.8493% | 5,569 |
| Total domestic deposits to total assets | 91.4293% | 291 |
| Equity capital to assets | 7.9442% | 6,894 |
| Core capital (leverage) ratio | 7.6450% | 6,964 |
| Tier 1 risk-based capital ratio | 10.7313% | 6,155 |
| Total risk-based capital ratio | 11.9494% | 6,098 |
| Memoranda: | ||
| Average total assets | $176,037,500 | 3,562 |
| Average earning assets | $158,504,000 | 3,602 |
| Average equity | $14,061,000 | 4,317 |
| Average total loans | $123,122,000 | 3,501 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6072% | 2,451 |
| Cost of funding earning assets | 2.8839% | 2,333 |
| Net interest margin | 3.7233% | 4,369 |
| Noninterest income to average assets | 0.5755% | 4,045 |
| Noninterest expense to average assets | 3.4555% | 2,509 |
| Loan and lease loss provision to assets | 0.1673% | 5,240 |
| Net operating income to assets | 0.4082% | 5,123 |
| Return on assets (ROA) | 0.6156% | 4,095 |
| Pretax return on assets | 0.6168% | 4,639 |
| Return on Equity (ROE) | 7.2827% | 3,383 |
| Retained earnings to average equity (ytd only) | -1.5909% | 5,762 |
| Net charge-offs to loans | 0.1294% | 4,940 |
| Credit loss provision to net charge-offs | 194.4444% | 2,519 |
| Earnings coverage of net charge-offs (x) | 6.7014% | 3,296 |
| Efficiency ratio | 85.2675% | 1,925 |
| Assets per employee ($millions) | 2.4156% | 7,374 |
| Cash dividends to net income (ytd only)* | 121.8447% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 3,862 |
| Loan loss allowance to noncurrent loans | 106.1456% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.8716% | 4,678 |
| Noncurrent loans to loans | 1.2148% | 4,084 |
| Net loans and leases to total assets | 68.9836% | 4,260 |
| Net loans and leases to deposits | 75.5232% | 5,649 |
| Net loans and leases to core deposits | 88.8508% | 5,904 |
| Total domestic deposits to total assets | 91.3410% | 239 |
| Equity capital to assets | 8.0307% | 6,803 |
| Core capital (leverage) ratio | 7.5281% | 7,173 |
| Tier 1 risk-based capital ratio | 10.8388% | 5,868 |
| Total risk-based capital ratio | 12.0974% | 5,773 |
| Memoranda: | ||
| Average total assets | $167,327,400 | 3,590 |
| Average earning assets | $155,345,400 | 3,562 |
| Average equity | $14,143,200 | 4,310 |
| Average total loans | $111,265,800 | 3,652 |