Home > Unity Bank North > Performance and Condition Ratios
Unity Bank North, 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 | 5.0184% | 1,011 |
| Cost of funding earning assets | 0.7475% | 1,804 |
| Net interest margin | 4.2709% | 1,221 |
| Noninterest income to average assets | 1.9433% | 282 |
| Noninterest expense to average assets | 4.6129% | 275 |
| Loan and lease loss provision to assets | 0.1207% | 1,826 |
| Net operating income to assets | 1.1950% | 2,196 |
| Return on assets (ROA) | 1.1950% | 2,192 |
| Pretax return on assets | 1.1980% | 2,888 |
| Return on Equity (ROE) | 14.5717% | 923 |
| Retained earnings to average equity (ytd only) | 9.9107% | 633 |
| Net charge-offs to loans | 0.0135% | 3,222 |
| Credit loss provision to net charge-offs | 1,090.9091% | 361 |
| Earnings coverage of net charge-offs (x) | 119.1818% | 654 |
| Efficiency ratio | 77.7684% | 1,148 |
| Assets per employee ($millions) | 4.0663% | 3,798 |
| Cash dividends to net income (ytd only)* | 31.9865% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 1,936 |
| Loan loss allowance to noncurrent loans | 350.1577% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 1.3507% | 924 |
| Noncurrent loans to loans | 0.3779% | 3,181 |
| Net loans and leases to total assets | 78.2927% | 1,229 |
| Net loans and leases to deposits | 90.2131% | 1,770 |
| Net loans and leases to core deposits | 100.3370% | 1,695 |
| Total domestic deposits to total assets | 86.7865% | 1,880 |
| Equity capital to assets | 8.0776% | 5,133 |
| Core capital (leverage) ratio | 8.3446% | 5,092 |
| Tier 1 risk-based capital ratio | 11.0203% | 4,972 |
| Total risk-based capital ratio | 12.2733% | 4,859 |
| Memoranda: | ||
| Average total assets | $99,417,600 | 4,109 |
| Average earning assets | $92,838,600 | 4,081 |
| Average equity | $8,152,800 | 4,586 |
| Average total loans | $81,187,000 | 3,643 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9874% | 963 |
| Cost of funding earning assets | 0.6898% | 1,905 |
| Net interest margin | 4.2976% | 1,117 |
| Noninterest income to average assets | 1.9092% | 296 |
| Noninterest expense to average assets | 4.6455% | 259 |
| Loan and lease loss provision to assets | 0.1022% | 1,959 |
| Net operating income to assets | 1.1747% | 2,340 |
| Return on assets (ROA) | 1.1747% | 2,343 |
| Pretax return on assets | 1.1774% | 3,081 |
| Return on Equity (ROE) | 14.2664% | 1,046 |
| Retained earnings to average equity (ytd only) | 10.7082% | 722 |
| Net charge-offs to loans | 0.0116% | 2,999 |
| Credit loss provision to net charge-offs | 1,071.4286% | 394 |
| Earnings coverage of net charge-offs (x) | 134.1876% | 604 |
| Efficiency ratio | 78.4039% | 1,080 |
| Assets per employee ($millions) | 3.6463% | 4,376 |
| Cash dividends to net income (ytd only)* | 24.9421% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 2,128 |
| Loan loss allowance to noncurrent loans | 119.7088% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 1.4467% | 906 |
| Noncurrent loans to loans | 1.0796% | 1,577 |
| Net loans and leases to total assets | 79.9689% | 1,025 |
| Net loans and leases to deposits | 92.3973% | 1,575 |
| Net loans and leases to core deposits | 103.2383% | 1,514 |
| Total domestic deposits to total assets | 86.5489% | 1,951 |
| Equity capital to assets | 8.1796% | 5,096 |
| Core capital (leverage) ratio | 8.4529% | 5,116 |
| Tier 1 risk-based capital ratio | 11.0375% | 5,018 |
| Total risk-based capital ratio | 12.2902% | 4,918 |
| Memoranda: | ||
| Average total assets | $97,840,750 | 4,173 |
| Average earning assets | $91,429,000 | 4,156 |
| Average equity | $8,056,000 | 4,645 |
| Average total loans | $80,512,500 | 3,688 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8730% | 1,077 |
| Cost of funding earning assets | 0.6185% | 2,117 |
| Net interest margin | 4.2544% | 1,148 |
| Noninterest income to average assets | 1.9249% | 289 |
| Noninterest expense to average assets | 4.6690% | 262 |
| Loan and lease loss provision to assets | 0.0622% | 2,660 |
| Net operating income to assets | 1.1699% | 2,314 |
| Return on assets (ROA) | 1.1699% | 2,315 |
| Pretax return on assets | 1.1740% | 3,031 |
| Return on Equity (ROE) | 14.1750% | 1,036 |
| Retained earnings to average equity (ytd only) | 12.9184% | 393 |
| Net charge-offs to loans | 0.0301% | 2,259 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 49.6667% | 1,130 |
| Efficiency ratio | 79.0657% | 1,110 |
| Assets per employee ($millions) | 3.5025% | 4,593 |
| Cash dividends to net income (ytd only)* | 8.8652% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 2,610 |
| Loan loss allowance to noncurrent loans | 75.2585% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.4908% | 895 |
| Noncurrent loans to loans | 1.6187% | 1,001 |
| Net loans and leases to total assets | 84.2561% | 429 |
| Net loans and leases to deposits | 97.8669% | 978 |
| Net loans and leases to core deposits | 110.7641% | 951 |
| Total domestic deposits to total assets | 86.0926% | 2,237 |
| Equity capital to assets | 8.3746% | 5,034 |
| Core capital (leverage) ratio | 8.7079% | 4,952 |
| Tier 1 risk-based capital ratio | 10.7540% | 5,168 |
| Total risk-based capital ratio | 12.0045% | 5,063 |
| Memoranda: | ||
| Average total assets | $96,422,330 | 4,237 |
| Average earning assets | $90,212,000 | 4,221 |
| Average equity | $7,957,670 | 4,699 |
| Average total loans | $79,778,670 | 3,716 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8925% | 882 |
| Cost of funding earning assets | 0.5970% | 2,074 |
| Net interest margin | 4.2955% | 953 |
| Noninterest income to average assets | 2.0461% | 264 |
| Noninterest expense to average assets | 4.9917% | 223 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0544% | 2,627 |
| Return on assets (ROA) | 1.0544% | 2,639 |
| Pretax return on assets | 1.0586% | 3,322 |
| Return on Equity (ROE) | 12.8736% | 1,305 |
| Retained earnings to average equity (ytd only) | 12.8736% | 541 |
| Net charge-offs to loans | 0.0154% | 2,211 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 84.3333% | 683 |
| Efficiency ratio | 82.5035% | 906 |
| Assets per employee ($millions) | 3.4088% | 4,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 2,314 |
| Loan loss allowance to noncurrent loans | 93.5333% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.2311% | 1,221 |
| Noncurrent loans to loans | 1.3736% | 1,308 |
| Net loans and leases to total assets | 80.3416% | 894 |
| Net loans and leases to deposits | 93.4520% | 1,285 |
| Net loans and leases to core deposits | 123.9265% | 472 |
| Total domestic deposits to total assets | 85.9710% | 2,557 |
| Equity capital to assets | 8.3263% | 5,094 |
| Core capital (leverage) ratio | 8.3011% | 5,257 |
| Tier 1 risk-based capital ratio | 11.3557% | 4,949 |
| Total risk-based capital ratio | 12.6088% | 4,847 |
| Memoranda: | ||
| Average total assets | $95,598,500 | 4,294 |
| Average earning assets | $89,115,500 | 4,281 |
| Average equity | $7,830,000 | 4,772 |
| Average total loans | $77,843,500 | 3,782 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8722% | 850 |
| Cost of funding earning assets | 0.4409% | 2,866 |
| Net interest margin | 4.4313% | 711 |
| Noninterest income to average assets | 2.0982% | 276 |
| Noninterest expense to average assets | 4.9484% | 225 |
| Loan and lease loss provision to assets | 0.1308% | 1,756 |
| Net operating income to assets | 1.1466% | 1,686 |
| Return on assets (ROA) | 1.1466% | 1,726 |
| Pretax return on assets | 1.1488% | 2,988 |
| Return on Equity (ROE) | 13.8414% | 782 |
| Retained earnings to average equity (ytd only) | 4.2892% | 2,587 |
| Net charge-offs to loans | 0.2230% | 1,161 |
| Credit loss provision to net charge-offs | 73.1707% | 3,045 |
| Earnings coverage of net charge-offs (x) | 7.1585% | 3,083 |
| Efficiency ratio | 79.4540% | 1,162 |
| Assets per employee ($millions) | 3.4197% | 4,800 |
| Cash dividends to net income (ytd only)* | 69.0114% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 2,306 |
| Loan loss allowance to noncurrent loans | 76.5876% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.4778% | 933 |
| Noncurrent loans to loans | 1.6755% | 982 |
| Net loans and leases to total assets | 80.4223% | 904 |
| Net loans and leases to deposits | 93.3044% | 1,357 |
| Net loans and leases to core deposits | 122.1213% | 523 |
| Total domestic deposits to total assets | 86.1935% | 2,352 |
| Equity capital to assets | 8.0552% | 5,373 |
| Core capital (leverage) ratio | 8.0685% | 5,415 |
| Tier 1 risk-based capital ratio | 10.8394% | 5,238 |
| Total risk-based capital ratio | 12.0912% | 5,127 |
| Memoranda: | ||
| Average total assets | $91,746,600 | 4,396 |
| Average earning assets | $85,506,200 | 4,368 |
| Average equity | $7,600,400 | 4,842 |
| Average total loans | $73,549,800 | 3,884 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8289% | 874 |
| Cost of funding earning assets | 0.3983% | 3,212 |
| Net interest margin | 4.4305% | 687 |
| Noninterest income to average assets | 2.1510% | 283 |
| Noninterest expense to average assets | 5.1395% | 204 |
| Loan and lease loss provision to assets | 0.1322% | 1,645 |
| Net operating income to assets | 1.0109% | 2,510 |
| Return on assets (ROA) | 1.0109% | 2,551 |
| Pretax return on assets | 1.0138% | 3,628 |
| Return on Equity (ROE) | 12.1141% | 1,312 |
| Retained earnings to average equity (ytd only) | -0.6692% | 5,313 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7672% | 933 |
| Assets per employee ($millions) | 3.6926% | 4,458 |
| Cash dividends to net income (ytd only)* | 105.5238% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 1,713 |
| Loan loss allowance to noncurrent loans | 95.6192% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.3489% | 1,179 |
| Noncurrent loans to loans | 1.5125% | 1,235 |
| Net loans and leases to total assets | 80.5587% | 907 |
| Net loans and leases to deposits | 93.1652% | 1,403 |
| Net loans and leases to core deposits | 122.9544% | 489 |
| Total domestic deposits to total assets | 86.4687% | 2,108 |
| Equity capital to assets | 7.7015% | 5,594 |
| Core capital (leverage) ratio | 7.8286% | 5,564 |
| Tier 1 risk-based capital ratio | 10.2283% | 5,534 |
| Total risk-based capital ratio | 11.4827% | 5,481 |
| Memoranda: | ||
| Average total assets | $90,745,250 | 4,456 |
| Average earning assets | $84,683,250 | 4,427 |
| Average equity | $7,572,250 | 4,895 |
| Average total loans | $72,435,500 | 3,940 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7785% | 900 |
| Cost of funding earning assets | 0.3472% | 3,612 |
| Net interest margin | 4.4313% | 661 |
| Noninterest income to average assets | 2.2070% | 275 |
| Noninterest expense to average assets | 5.2612% | 196 |
| Loan and lease loss provision to assets | 0.1348% | 1,541 |
| Net operating income to assets | 0.9394% | 2,722 |
| Return on assets (ROA) | 0.9394% | 2,779 |
| Pretax return on assets | 0.9417% | 3,791 |
| Return on Equity (ROE) | 10.9544% | 1,662 |
| Retained earnings to average equity (ytd only) | 10.6661% | 485 |
| Net charge-offs to loans | -0.0028% | 4,223 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0142% | 919 |
| Assets per employee ($millions) | 3.4364% | 4,814 |
| Cash dividends to net income (ytd only)* | 2.6316% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 1,585 |
| Loan loss allowance to noncurrent loans | 125.7110% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.0638% | 1,644 |
| Noncurrent loans to loans | 1.1905% | 1,637 |
| Net loans and leases to total assets | 78.3861% | 1,182 |
| Net loans and leases to deposits | 91.6629% | 1,542 |
| Net loans and leases to core deposits | 121.0959% | 512 |
| Total domestic deposits to total assets | 85.5157% | 2,609 |
| Equity capital to assets | 8.4509% | 5,335 |
| Core capital (leverage) ratio | 9.0140% | 4,707 |
| Tier 1 risk-based capital ratio | 11.6144% | 4,885 |
| Total risk-based capital ratio | 12.8695% | 4,768 |
| Memoranda: | ||
| Average total assets | $88,991,330 | 4,513 |
| Average earning assets | $82,955,670 | 4,488 |
| Average equity | $7,631,670 | 4,911 |
| Average total loans | $70,421,670 | 4,002 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8022% | 742 |
| Cost of funding earning assets | 0.3480% | 3,555 |
| Net interest margin | 4.4542% | 566 |
| Noninterest income to average assets | 2.3882% | 247 |
| Noninterest expense to average assets | 5.4699% | 193 |
| Loan and lease loss provision to assets | 0.1378% | 1,382 |
| Net operating income to assets | 0.8910% | 2,810 |
| Return on assets (ROA) | 0.8910% | 2,854 |
| Pretax return on assets | 0.8956% | 3,790 |
| Return on Equity (ROE) | 10.3096% | 1,822 |
| Retained earnings to average equity (ytd only) | 10.3096% | 745 |
| Net charge-offs to loans | -0.0058% | 4,230 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1102% | 960 |
| Assets per employee ($millions) | 3.2171% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5704% | 1,453 |
| Loan loss allowance to noncurrent loans | 143.9090% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.9843% | 1,862 |
| Noncurrent loans to loans | 1.0913% | 1,877 |
| Net loans and leases to total assets | 77.5690% | 1,192 |
| Net loans and leases to deposits | 91.4580% | 1,382 |
| Net loans and leases to core deposits | 106.8542% | 1,040 |
| Total domestic deposits to total assets | 84.8138% | 3,163 |
| Equity capital to assets | 8.7817% | 5,012 |
| Core capital (leverage) ratio | 8.7049% | 5,040 |
| Tier 1 risk-based capital ratio | 11.9564% | 4,746 |
| Total risk-based capital ratio | 13.2111% | 4,645 |
| Memoranda: | ||
| Average total assets | $87,095,500 | 4,584 |
| Average earning assets | $80,463,500 | 4,575 |
| Average equity | $7,527,000 | 4,966 |
| Average total loans | $68,715,500 | 4,080 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9259% | 693 |
| Cost of funding earning assets | 0.3120% | 3,927 |
| Net interest margin | 4.6139% | 498 |
| Noninterest income to average assets | 2.5326% | 248 |
| Noninterest expense to average assets | 5.5280% | 208 |
| Loan and lease loss provision to assets | 0.1269% | 1,955 |
| Net operating income to assets | 1.1443% | 1,715 |
| Return on assets (ROA) | 1.1443% | 1,809 |
| Pretax return on assets | 1.1479% | 2,908 |
| Return on Equity (ROE) | 12.8351% | 1,032 |
| Retained earnings to average equity (ytd only) | 2.4396% | 4,135 |
| Net charge-offs to loans | 0.0016% | 4,226 |
| Credit loss provision to net charge-offs | 10,500.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 1,055.0000% | 71 |
| Efficiency ratio | 81.2611% | 1,280 |
| Assets per employee ($millions) | 3.2344% | 5,117 |
| Cash dividends to net income (ytd only)* | 80.9926% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5135% | 1,620 |
| Loan loss allowance to noncurrent loans | 2,007.6923% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 4,589 |
| Noncurrent loans to loans | 0.0754% | 4,939 |
| Net loans and leases to total assets | 77.7909% | 1,226 |
| Net loans and leases to deposits | 91.5553% | 1,507 |
| Net loans and leases to core deposits | 107.0940% | 1,062 |
| Total domestic deposits to total assets | 84.9660% | 3,065 |
| Equity capital to assets | 8.5035% | 5,269 |
| Core capital (leverage) ratio | 8.4057% | 5,363 |
| Tier 1 risk-based capital ratio | 11.9091% | 4,789 |
| Total risk-based capital ratio | 13.1640% | 4,672 |
| Memoranda: | ||
| Average total assets | $82,761,200 | 4,675 |
| Average earning assets | $76,594,800 | 4,660 |
| Average equity | $7,378,200 | 5,029 |
| Average total loans | $64,074,600 | 4,175 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9164% | 703 |
| Cost of funding earning assets | 0.2999% | 4,099 |
| Net interest margin | 4.6165% | 491 |
| Noninterest income to average assets | 2.5843% | 250 |
| Noninterest expense to average assets | 5.6325% | 192 |
| Loan and lease loss provision to assets | 0.1225% | 1,901 |
| Net operating income to assets | 1.0994% | 1,997 |
| Return on assets (ROA) | 1.0994% | 2,100 |
| Pretax return on assets | 1.1043% | 3,216 |
| Return on Equity (ROE) | 12.1814% | 1,267 |
| Retained earnings to average equity (ytd only) | 1.1041% | 5,055 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1148% | 1,176 |
| Assets per employee ($millions) | 3.1822% | 5,206 |
| Cash dividends to net income (ytd only)* | 90.9362% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 1,775 |
| Loan loss allowance to noncurrent loans | 831.9672% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 4,361 |
| Noncurrent loans to loans | 0.1798% | 4,633 |
| Net loans and leases to total assets | 77.7872% | 1,232 |
| Net loans and leases to deposits | 91.7054% | 1,535 |
| Net loans and leases to core deposits | 108.0774% | 1,048 |
| Total domestic deposits to total assets | 84.8229% | 2,883 |
| Equity capital to assets | 8.5883% | 5,482 |
| Core capital (leverage) ratio | 8.5317% | 5,334 |
| Tier 1 risk-based capital ratio | 11.7848% | 4,927 |
| Total risk-based capital ratio | 13.0389% | 4,823 |
| Memoranda: | ||
| Average total assets | $81,619,250 | 4,746 |
| Average earning assets | $75,582,000 | 4,725 |
| Average equity | $7,366,250 | 5,078 |
| Average total loans | $62,848,750 | 4,229 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8823% | 755 |
| Cost of funding earning assets | 0.2747% | 4,395 |
| Net interest margin | 4.6077% | 498 |
| Noninterest income to average assets | 2.6987% | 233 |
| Noninterest expense to average assets | 5.6943% | 196 |
| Loan and lease loss provision to assets | 0.1122% | 2,000 |
| Net operating income to assets | 1.1548% | 1,754 |
| Return on assets (ROA) | 1.1548% | 1,868 |
| Pretax return on assets | 1.1598% | 2,945 |
| Return on Equity (ROE) | 12.5781% | 1,141 |
| Retained earnings to average equity (ytd only) | -1.3040% | 5,475 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7401% | 1,301 |
| Assets per employee ($millions) | 2.8769% | 5,548 |
| Cash dividends to net income (ytd only)* | 110.3672% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5105% | 1,822 |
| Loan loss allowance to noncurrent loans | 1,790.9091% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 4,732 |
| Noncurrent loans to loans | 0.0843% | 5,114 |
| Net loans and leases to total assets | 74.4146% | 1,749 |
| Net loans and leases to deposits | 87.5644% | 2,059 |
| Net loans and leases to core deposits | 105.4598% | 1,223 |
| Total domestic deposits to total assets | 84.9827% | 2,888 |
| Equity capital to assets | 8.4466% | 5,629 |
| Core capital (leverage) ratio | 8.8984% | 4,940 |
| Tier 1 risk-based capital ratio | 12.0164% | 4,816 |
| Total risk-based capital ratio | 13.2712% | 4,726 |
| Memoranda: | ||
| Average total assets | $80,186,000 | 4,813 |
| Average earning assets | $74,267,670 | 4,798 |
| Average equity | $7,362,000 | 5,129 |
| Average total loans | $61,182,000 | 4,308 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8721% | 731 |
| Cost of funding earning assets | 0.2682% | 4,520 |
| Net interest margin | 4.6039% | 495 |
| Noninterest income to average assets | 2.8214% | 215 |
| Noninterest expense to average assets | 5.8035% | 189 |
| Loan and lease loss provision to assets | 0.0778% | 2,407 |
| Net operating income to assets | 1.2032% | 1,545 |
| Return on assets (ROA) | 1.2032% | 1,650 |
| Pretax return on assets | 1.2136% | 2,646 |
| Return on Equity (ROE) | 12.5439% | 1,140 |
| Retained earnings to average equity (ytd only) | 12.5439% | 432 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7982% | 1,385 |
| Assets per employee ($millions) | 2.7641% | 5,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6162% | 1,562 |
| Loan loss allowance to noncurrent loans | 782.7869% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.2972% | 4,382 |
| Noncurrent loans to loans | 0.2065% | 4,684 |
| Net loans and leases to total assets | 75.1134% | 1,532 |
| Net loans and leases to deposits | 84.0232% | 2,301 |
| Net loans and leases to core deposits | 96.7948% | 1,722 |
| Total domestic deposits to total assets | 89.3960% | 889 |
| Equity capital to assets | 9.7332% | 4,417 |
| Core capital (leverage) ratio | 9.8051% | 3,767 |
| Tier 1 risk-based capital ratio | 13.8551% | 3,784 |
| Total risk-based capital ratio | 15.1113% | 3,716 |
| Memoranda: | ||
| Average total assets | $77,125,500 | 4,916 |
| Average earning assets | $71,591,000 | 4,883 |
| Average equity | $7,398,000 | 5,153 |
| Average total loans | $59,168,000 | 4,400 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7060% | 1,094 |
| Cost of funding earning assets | 0.2750% | 4,536 |
| Net interest margin | 4.4310% | 746 |
| Noninterest income to average assets | 2.4549% | 270 |
| Noninterest expense to average assets | 5.2493% | 233 |
| Loan and lease loss provision to assets | 0.0849% | 2,598 |
| Net operating income to assets | 1.2222% | 1,477 |
| Return on assets (ROA) | 1.2222% | 1,540 |
| Pretax return on assets | 1.2235% | 2,579 |
| Return on Equity (ROE) | 12.4326% | 1,199 |
| Retained earnings to average equity (ytd only) | -11.4895% | 6,057 |
| Net charge-offs to loans | 0.0179% | 3,925 |
| Credit loss provision to net charge-offs | 650.0000% | 516 |
| Earnings coverage of net charge-offs (x) | 100.2000% | 572 |
| Efficiency ratio | 80.0478% | 1,665 |
| Assets per employee ($millions) | 3.0742% | 5,451 |
| Cash dividends to net income (ytd only)* | 192.4145% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5866% | 1,655 |
| Loan loss allowance to noncurrent loans | 770.4918% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.2993% | 4,405 |
| Noncurrent loans to loans | 0.2059% | 4,677 |
| Net loans and leases to total assets | 75.8653% | 1,444 |
| Net loans and leases to deposits | 84.6182% | 2,292 |
| Net loans and leases to core deposits | 96.0339% | 1,849 |
| Total domestic deposits to total assets | 89.6560% | 776 |
| Equity capital to assets | 9.4501% | 4,612 |
| Core capital (leverage) ratio | 9.4369% | 4,269 |
| Tier 1 risk-based capital ratio | 13.5685% | 3,967 |
| Total risk-based capital ratio | 14.8232% | 3,900 |
| Memoranda: | ||
| Average total assets | $76,581,800 | 4,937 |
| Average earning assets | $70,909,800 | 4,915 |
| Average equity | $7,528,600 | 5,142 |
| Average total loans | $55,878,400 | 4,506 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6753% | 1,145 |
| Cost of funding earning assets | 0.2731% | 4,632 |
| Net interest margin | 4.4021% | 793 |
| Noninterest income to average assets | 2.3141% | 291 |
| Noninterest expense to average assets | 5.1301% | 258 |
| Loan and lease loss provision to assets | 0.1046% | 2,115 |
| Net operating income to assets | 1.1501% | 1,830 |
| Return on assets (ROA) | 1.1501% | 1,898 |
| Pretax return on assets | 1.1518% | 3,009 |
| Return on Equity (ROE) | 11.5863% | 1,500 |
| Retained earnings to average equity (ytd only) | -18.6785% | 6,193 |
| Net charge-offs to loans | 0.0267% | 3,410 |
| Credit loss provision to net charge-offs | 545.4545% | 607 |
| Earnings coverage of net charge-offs (x) | 65.5290% | 853 |
| Efficiency ratio | 80.3274% | 1,615 |
| Assets per employee ($millions) | 2.9105% | 5,644 |
| Cash dividends to net income (ytd only)* | 261.2116% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 1,634 |
| Loan loss allowance to noncurrent loans | 469.8492% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.4057% | 4,152 |
| Noncurrent loans to loans | 0.3496% | 4,360 |
| Net loans and leases to total assets | 73.9831% | 1,733 |
| Net loans and leases to deposits | 82.4888% | 2,588 |
| Net loans and leases to core deposits | 93.0959% | 2,166 |
| Total domestic deposits to total assets | 89.6887% | 698 |
| Equity capital to assets | 9.3903% | 4,889 |
| Core capital (leverage) ratio | 9.2491% | 4,664 |
| Tier 1 risk-based capital ratio | 13.6329% | 4,062 |
| Total risk-based capital ratio | 14.8904% | 3,988 |
| Memoranda: | ||
| Average total assets | $76,513,250 | 4,994 |
| Average earning assets | $70,782,250 | 4,978 |
| Average equity | $7,595,000 | 5,196 |
| Average total loans | $55,036,250 | 4,574 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5781% | 1,327 |
| Cost of funding earning assets | 0.2703% | 4,714 |
| Net interest margin | 4.3078% | 904 |
| Noninterest income to average assets | 2.3179% | 302 |
| Noninterest expense to average assets | 5.0994% | 271 |
| Loan and lease loss provision to assets | 0.1172% | 1,892 |
| Net operating income to assets | 1.0860% | 1,993 |
| Return on assets (ROA) | 1.0860% | 2,096 |
| Pretax return on assets | 1.0860% | 3,233 |
| Return on Equity (ROE) | 10.7502% | 1,763 |
| Retained earnings to average equity (ytd only) | -15.3906% | 6,235 |
| Net charge-offs to loans | 0.0404% | 2,876 |
| Credit loss provision to net charge-offs | 409.0909% | 733 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 1,094 |
| Efficiency ratio | 80.9091% | 1,633 |
| Assets per employee ($millions) | 3.0686% | 5,510 |
| Cash dividends to net income (ytd only)* | 243.1655% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 1,736 |
| Loan loss allowance to noncurrent loans | 1,094.0476% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.2711% | 4,786 |
| Noncurrent loans to loans | 0.1511% | 5,143 |
| Net loans and leases to total assets | 71.2712% | 2,113 |
| Net loans and leases to deposits | 79.8164% | 2,813 |
| Net loans and leases to core deposits | 89.5225% | 2,391 |
| Total domestic deposits to total assets | 89.2940% | 1,009 |
| Equity capital to assets | 9.8574% | 4,205 |
| Core capital (leverage) ratio | 9.6055% | 4,132 |
| Tier 1 risk-based capital ratio | 14.8983% | 3,418 |
| Total risk-based capital ratio | 16.1540% | 3,343 |
| Memoranda: | ||
| Average total assets | $76,793,000 | 5,039 |
| Average earning assets | $71,033,330 | 5,020 |
| Average equity | $7,758,000 | 5,207 |
| Average total loans | $54,408,000 | 4,631 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5346% | 1,366 |
| Cost of funding earning assets | 0.2641% | 4,861 |
| Net interest margin | 4.2705% | 940 |
| Noninterest income to average assets | 2.3844% | 289 |
| Noninterest expense to average assets | 5.1489% | 272 |
| Loan and lease loss provision to assets | 0.0781% | 2,393 |
| Net operating income to assets | 1.1141% | 1,820 |
| Return on assets (ROA) | 1.1141% | 1,927 |
| Pretax return on assets | 1.1141% | 3,021 |
| Return on Equity (ROE) | 10.8961% | 1,660 |
| Retained earnings to average equity (ytd only) | -30.3462% | 6,344 |
| Net charge-offs to loans | 0.0743% | 1,961 |
| Credit loss provision to net charge-offs | 150.0000% | 1,240 |
| Earnings coverage of net charge-offs (x) | 22.9000% | 1,338 |
| Efficiency ratio | 81.1987% | 1,730 |
| Assets per employee ($millions) | 3.1994% | 5,419 |
| Cash dividends to net income (ytd only)* | 378.5047% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7032% | 1,726 |
| Loan loss allowance to noncurrent loans | 463.5417% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 4,382 |
| Noncurrent loans to loans | 0.3674% | 4,488 |
| Net loans and leases to total assets | 66.8946% | 2,623 |
| Net loans and leases to deposits | 74.9471% | 3,167 |
| Net loans and leases to core deposits | 83.5856% | 2,816 |
| Total domestic deposits to total assets | 89.2557% | 1,111 |
| Equity capital to assets | 9.8600% | 4,313 |
| Core capital (leverage) ratio | 9.7954% | 3,898 |
| Tier 1 risk-based capital ratio | 15.2882% | 3,273 |
| Total risk-based capital ratio | 16.5441% | 3,196 |
| Memoranda: | ||
| Average total assets | $76,832,500 | 5,092 |
| Average earning assets | $71,186,500 | 5,065 |
| Average equity | $7,856,000 | 5,242 |
| Average total loans | $53,815,000 | 4,679 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6391% | 1,445 |
| Cost of funding earning assets | 0.2765% | 5,035 |
| Net interest margin | 4.3626% | 944 |
| Noninterest income to average assets | 2.3346% | 259 |
| Noninterest expense to average assets | 4.8097% | 359 |
| Loan and lease loss provision to assets | 0.0656% | 3,190 |
| Net operating income to assets | 1.4974% | 887 |
| Return on assets (ROA) | 1.4974% | 922 |
| Pretax return on assets | 1.4974% | 1,552 |
| Return on Equity (ROE) | 14.3299% | 874 |
| Retained earnings to average equity (ytd only) | 1.8587% | 4,873 |
| Net charge-offs to loans | -0.0093% | 5,544 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4736% | 2,600 |
| Assets per employee ($millions) | 3.3426% | 5,193 |
| Cash dividends to net income (ytd only)* | 87.0289% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 2,095 |
| Loan loss allowance to noncurrent loans | 859.2233% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 4,856 |
| Noncurrent loans to loans | 0.1860% | 5,165 |
| Net loans and leases to total assets | 70.8767% | 2,097 |
| Net loans and leases to deposits | 80.1017% | 2,695 |
| Net loans and leases to core deposits | 89.0301% | 2,378 |
| Total domestic deposits to total assets | 88.4834% | 1,534 |
| Equity capital to assets | 10.5892% | 3,372 |
| Core capital (leverage) ratio | 10.6107% | 2,825 |
| Tier 1 risk-based capital ratio | 15.3856% | 3,278 |
| Total risk-based capital ratio | 16.6421% | 3,222 |
| Memoranda: | ||
| Average total assets | $76,200,800 | 5,150 |
| Average earning assets | $70,530,600 | 5,110 |
| Average equity | $7,962,400 | 5,211 |
| Average total loans | $53,675,000 | 4,703 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6076% | 1,543 |
| Cost of funding earning assets | 0.2782% | 5,118 |
| Net interest margin | 4.3294% | 991 |
| Noninterest income to average assets | 2.2832% | 279 |
| Noninterest expense to average assets | 4.8348% | 346 |
| Loan and lease loss provision to assets | 0.0701% | 2,947 |
| Net operating income to assets | 1.3906% | 1,152 |
| Return on assets (ROA) | 1.3906% | 1,192 |
| Pretax return on assets | 1.3906% | 2,047 |
| Return on Equity (ROE) | 13.3537% | 1,127 |
| Retained earnings to average equity (ytd only) | -3.3679% | 6,168 |
| Net charge-offs to loans | 0.0050% | 4,524 |
| Credit loss provision to net charge-offs | 2,000.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 415.9700% | 175 |
| Efficiency ratio | 76.7967% | 2,374 |
| Assets per employee ($millions) | 3.4694% | 4,918 |
| Cash dividends to net income (ytd only)* | 125.2206% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5880% | 2,339 |
| Loan loss allowance to noncurrent loans | 859.4059% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.2961% | 5,081 |
| Noncurrent loans to loans | 0.1848% | 5,358 |
| Net loans and leases to total assets | 70.4770% | 2,118 |
| Net loans and leases to deposits | 79.3477% | 2,790 |
| Net loans and leases to core deposits | 87.4001% | 2,490 |
| Total domestic deposits to total assets | 88.8205% | 1,343 |
| Equity capital to assets | 10.2166% | 3,911 |
| Core capital (leverage) ratio | 10.0260% | 3,644 |
| Tier 1 risk-based capital ratio | 14.6465% | 3,794 |
| Total risk-based capital ratio | 15.9016% | 3,728 |
| Memoranda: | ||
| Average total assets | $76,031,000 | 5,205 |
| Average earning assets | $70,461,500 | 5,168 |
| Average equity | $7,917,750 | 5,259 |
| Average total loans | $53,250,000 | 4,761 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5421% | 1,688 |
| Cost of funding earning assets | 0.2812% | 5,167 |
| Net interest margin | 4.2609% | 1,107 |
| Noninterest income to average assets | 2.3047% | 278 |
| Noninterest expense to average assets | 4.8412% | 343 |
| Loan and lease loss provision to assets | 0.0658% | 2,949 |
| Net operating income to assets | 1.3486% | 1,188 |
| Return on assets (ROA) | 1.3486% | 1,231 |
| Pretax return on assets | 1.3486% | 2,087 |
| Return on Equity (ROE) | 12.8681% | 1,210 |
| Retained earnings to average equity (ytd only) | -8.4195% | 6,383 |
| Net charge-offs to loans | 0.0265% | 3,663 |
| Credit loss provision to net charge-offs | 357.1429% | 751 |
| Earnings coverage of net charge-offs (x) | 76.7143% | 687 |
| Efficiency ratio | 77.3895% | 2,391 |
| Assets per employee ($millions) | 3.4545% | 4,934 |
| Cash dividends to net income (ytd only)* | 165.4297% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 2,581 |
| Loan loss allowance to noncurrent loans | 750.4425% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 5,119 |
| Noncurrent loans to loans | 0.2092% | 5,393 |
| Net loans and leases to total assets | 69.9549% | 2,094 |
| Net loans and leases to deposits | 78.9360% | 2,666 |
| Net loans and leases to core deposits | 85.7874% | 2,540 |
| Total domestic deposits to total assets | 88.6222% | 1,574 |
| Equity capital to assets | 10.0909% | 3,985 |
| Core capital (leverage) ratio | 9.9421% | 3,693 |
| Tier 1 risk-based capital ratio | 14.4349% | 3,970 |
| Total risk-based capital ratio | 15.6899% | 3,908 |
| Memoranda: | ||
| Average total assets | $75,932,330 | 5,253 |
| Average earning assets | $70,408,000 | 5,211 |
| Average equity | $7,957,670 | 5,280 |
| Average total loans | $52,779,670 | 4,800 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 1,820 |
| Cost of funding earning assets | 0.2789% | 5,292 |
| Net interest margin | 4.2183% | 1,164 |
| Noninterest income to average assets | 2.1977% | 286 |
| Noninterest expense to average assets | 4.8011% | 355 |
| Loan and lease loss provision to assets | 0.0527% | 3,051 |
| Net operating income to assets | 1.2490% | 1,349 |
| Return on assets (ROA) | 1.2490% | 1,408 |
| Pretax return on assets | 1.2490% | 2,285 |
| Return on Equity (ROE) | 11.7008% | 1,492 |
| Retained earnings to average equity (ytd only) | 9.6273% | 1,071 |
| Net charge-offs to loans | 0.0613% | 2,546 |
| Credit loss provision to net charge-offs | 125.0000% | 1,406 |
| Earnings coverage of net charge-offs (x) | 30.8750% | 1,032 |
| Efficiency ratio | 78.6701% | 2,376 |
| Assets per employee ($millions) | 3.4642% | 4,999 |
| Cash dividends to net income (ytd only)* | 17.7215% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5977% | 2,716 |
| Loan loss allowance to noncurrent loans | 630.3030% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 5,135 |
| Noncurrent loans to loans | 0.2535% | 5,343 |
| Net loans and leases to total assets | 67.2388% | 2,350 |
| Net loans and leases to deposits | 76.1562% | 2,796 |
| Net loans and leases to core deposits | 83.6391% | 2,556 |
| Total domestic deposits to total assets | 88.2906% | 2,062 |
| Equity capital to assets | 10.7555% | 2,979 |
| Core capital (leverage) ratio | 10.7740% | 2,627 |
| Tier 1 risk-based capital ratio | 15.7472% | 3,303 |
| Total risk-based capital ratio | 17.0029% | 3,268 |
| Memoranda: | ||
| Average total assets | $75,899,000 | 5,304 |
| Average earning assets | $70,265,500 | 5,269 |
| Average equity | $8,102,000 | 5,262 |
| Average total loans | $52,163,000 | 4,860 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6446% | 1,735 |
| Cost of funding earning assets | 0.3571% | 5,070 |
| Net interest margin | 4.2875% | 1,141 |
| Noninterest income to average assets | 2.0739% | 372 |
| Noninterest expense to average assets | 4.4648% | 541 |
| Loan and lease loss provision to assets | 0.1592% | 2,291 |
| Net operating income to assets | 1.4157% | 996 |
| Return on assets (ROA) | 1.4157% | 1,028 |
| Pretax return on assets | 1.4171% | 1,726 |
| Return on Equity (ROE) | 13.5269% | 1,057 |
| Retained earnings to average equity (ytd only) | 1.6988% | 5,021 |
| Net charge-offs to loans | 0.1074% | 3,758 |
| Credit loss provision to net charge-offs | 218.1818% | 1,059 |
| Earnings coverage of net charge-offs (x) | 21.6000% | 1,484 |
| Efficiency ratio | 73.9073% | 3,139 |
| Assets per employee ($millions) | 3.2863% | 5,316 |
| Cash dividends to net income (ytd only)* | 87.4414% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 2,800 |
| Loan loss allowance to noncurrent loans | 601.4493% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 5,224 |
| Noncurrent loans to loans | 0.2641% | 5,393 |
| Net loans and leases to total assets | 68.0285% | 2,354 |
| Net loans and leases to deposits | 76.9691% | 2,857 |
| Net loans and leases to core deposits | 83.5649% | 2,716 |
| Total domestic deposits to total assets | 88.3841% | 1,960 |
| Equity capital to assets | 10.5932% | 3,055 |
| Core capital (leverage) ratio | 10.4986% | 2,925 |
| Tier 1 risk-based capital ratio | 15.4367% | 3,412 |
| Total risk-based capital ratio | 16.6918% | 3,356 |
| Memoranda: | ||
| Average total assets | $75,367,000 | 5,342 |
| Average earning assets | $69,737,000 | 5,318 |
| Average equity | $7,888,000 | 5,370 |
| Average total loans | $51,234,200 | 4,923 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6688% | 1,684 |
| Cost of funding earning assets | 0.3736% | 5,058 |
| Net interest margin | 4.2952% | 1,106 |
| Noninterest income to average assets | 1.9279% | 440 |
| Noninterest expense to average assets | 4.4188% | 566 |
| Loan and lease loss provision to assets | 0.1593% | 2,268 |
| Net operating income to assets | 1.3172% | 1,304 |
| Return on assets (ROA) | 1.3172% | 1,362 |
| Pretax return on assets | 1.3189% | 2,266 |
| Return on Equity (ROE) | 12.6234% | 1,331 |
| Retained earnings to average equity (ytd only) | -1.8325% | 6,247 |
| Net charge-offs to loans | 0.1203% | 3,345 |
| Credit loss provision to net charge-offs | 195.6522% | 1,237 |
| Earnings coverage of net charge-offs (x) | 18.1528% | 1,701 |
| Efficiency ratio | 74.9325% | 2,918 |
| Assets per employee ($millions) | 3.3007% | 5,284 |
| Cash dividends to net income (ytd only)* | 114.5154% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5779% | 3,109 |
| Loan loss allowance to noncurrent loans | 502.4845% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.4821% | 4,984 |
| Noncurrent loans to loans | 0.3140% | 5,442 |
| Net loans and leases to total assets | 66.4722% | 2,566 |
| Net loans and leases to deposits | 75.0625% | 3,084 |
| Net loans and leases to core deposits | 80.7718% | 3,035 |
| Total domestic deposits to total assets | 88.5558% | 1,812 |
| Equity capital to assets | 10.2337% | 3,593 |
| Core capital (leverage) ratio | 10.2134% | 3,381 |
| Tier 1 risk-based capital ratio | 15.2324% | 3,600 |
| Total risk-based capital ratio | 16.5056% | 3,545 |
| Memoranda: | ||
| Average total assets | $75,312,250 | 5,397 |
| Average earning assets | $69,595,000 | 5,373 |
| Average equity | $7,858,250 | 5,429 |
| Average total loans | $50,980,250 | 4,972 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6613% | 1,676 |
| Cost of funding earning assets | 0.3908% | 5,026 |
| Net interest margin | 4.2704% | 1,090 |
| Noninterest income to average assets | 1.9491% | 462 |
| Noninterest expense to average assets | 4.3456% | 599 |
| Loan and lease loss provision to assets | 0.1598% | 2,324 |
| Net operating income to assets | 1.4006% | 1,078 |
| Return on assets (ROA) | 1.4006% | 1,162 |
| Pretax return on assets | 1.4006% | 1,929 |
| Return on Equity (ROE) | 13.3367% | 1,162 |
| Retained earnings to average equity (ytd only) | -6.2120% | 6,527 |
| Net charge-offs to loans | 0.1847% | 2,647 |
| Credit loss provision to net charge-offs | 127.6596% | 1,769 |
| Earnings coverage of net charge-offs (x) | 12.4681% | 1,977 |
| Efficiency ratio | 73.5798% | 3,213 |
| Assets per employee ($millions) | 3.4382% | 4,976 |
| Cash dividends to net income (ytd only)* | 146.5779% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5211% | 3,479 |
| Loan loss allowance to noncurrent loans | 4,576.4706% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 5,586 |
| Noncurrent loans to loans | 0.0332% | 6,306 |
| Net loans and leases to total assets | 66.5882% | 2,486 |
| Net loans and leases to deposits | 75.1739% | 2,993 |
| Net loans and leases to core deposits | 79.5866% | 3,074 |
| Total domestic deposits to total assets | 88.5789% | 1,869 |
| Equity capital to assets | 10.0713% | 3,827 |
| Core capital (leverage) ratio | 9.9321% | 3,613 |
| Tier 1 risk-based capital ratio | 15.0321% | 3,759 |
| Total risk-based capital ratio | 16.3032% | 3,711 |
| Memoranda: | ||
| Average total assets | $75,111,000 | 5,437 |
| Average earning assets | $69,594,670 | 5,406 |
| Average equity | $7,888,000 | 5,459 |
| Average total loans | $50,883,000 | 4,986 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6562% | 1,659 |
| Cost of funding earning assets | 0.4159% | 4,950 |
| Net interest margin | 4.2403% | 1,098 |
| Noninterest income to average assets | 2.0201% | 430 |
| Noninterest expense to average assets | 4.4304% | 569 |
| Loan and lease loss provision to assets | 0.1603% | 2,270 |
| Net operating income to assets | 1.3521% | 1,150 |
| Return on assets (ROA) | 1.3521% | 1,242 |
| Pretax return on assets | 1.3521% | 2,034 |
| Return on Equity (ROE) | 12.6137% | 1,262 |
| Retained earnings to average equity (ytd only) | 12.6137% | 609 |
| Net charge-offs to loans | -0.0079% | 5,367 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5504% | 3,167 |
| Assets per employee ($millions) | 3.6469% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6203% | 3,314 |
| Loan loss allowance to noncurrent loans | 1,474.0741% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 5,575 |
| Noncurrent loans to loans | 0.1099% | 6,154 |
| Net loans and leases to total assets | 63.1098% | 2,870 |
| Net loans and leases to deposits | 71.4083% | 3,261 |
| Net loans and leases to core deposits | 75.3551% | 3,403 |
| Total domestic deposits to total assets | 88.3788% | 2,081 |
| Equity capital to assets | 10.6393% | 3,391 |
| Core capital (leverage) ratio | 10.5425% | 2,718 |
| Tier 1 risk-based capital ratio | 16.2241% | 3,142 |
| Total risk-based capital ratio | 17.4979% | 3,082 |
| Memoranda: | ||
| Average total assets | $74,846,000 | 5,490 |
| Average earning assets | $69,241,000 | 5,455 |
| Average equity | $8,023,000 | 5,480 |
| Average total loans | $50,751,500 | 5,025 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9133% | 1,793 |
| Cost of funding earning assets | 0.5793% | 4,547 |
| Net interest margin | 4.3340% | 1,318 |
| Noninterest income to average assets | 1.8331% | 498 |
| Noninterest expense to average assets | 4.2818% | 695 |
| Loan and lease loss provision to assets | 0.1599% | 3,617 |
| Net operating income to assets | 1.4068% | 1,088 |
| Return on assets (ROA) | 1.4042% | 1,204 |
| Pretax return on assets | 1.4055% | 2,023 |
| Return on Equity (ROE) | 13.5608% | 1,092 |
| Retained earnings to average equity (ytd only) | 2.1744% | 4,701 |
| Net charge-offs to loans | 0.1470% | 4,224 |
| Credit loss provision to net charge-offs | 157.8947% | 1,698 |
| Earnings coverage of net charge-offs (x) | 15.4868% | 1,646 |
| Efficiency ratio | 73.1952% | 3,209 |
| Assets per employee ($millions) | 3.4813% | 5,046 |
| Cash dividends to net income (ytd only)* | 83.9658% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 3,893 |
| Loan loss allowance to noncurrent loans | 1,416.6667% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.3570% | 5,619 |
| Noncurrent loans to loans | 0.1031% | 6,230 |
| Net loans and leases to total assets | 70.5942% | 1,731 |
| Net loans and leases to deposits | 80.1037% | 2,268 |
| Net loans and leases to core deposits | 84.7594% | 2,458 |
| Total domestic deposits to total assets | 88.1285% | 2,148 |
| Equity capital to assets | 10.8032% | 3,172 |
| Core capital (leverage) ratio | 10.2441% | 3,081 |
| Tier 1 risk-based capital ratio | 15.1234% | 3,659 |
| Total risk-based capital ratio | 16.3951% | 3,592 |
| Memoranda: | ||
| Average total assets | $75,062,400 | 5,482 |
| Average earning assets | $69,565,800 | 5,448 |
| Average equity | $7,772,400 | 5,563 |
| Average total loans | $51,693,800 | 5,030 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8863% | 2,060 |
| Cost of funding earning assets | 0.6072% | 4,577 |
| Net interest margin | 4.2791% | 1,535 |
| Noninterest income to average assets | 1.7630% | 506 |
| Noninterest expense to average assets | 4.2760% | 669 |
| Loan and lease loss provision to assets | 0.1412% | 3,768 |
| Net operating income to assets | 1.3112% | 1,413 |
| Return on assets (ROA) | 1.3077% | 1,565 |
| Pretax return on assets | 1.3095% | 2,562 |
| Return on Equity (ROE) | 12.7630% | 1,394 |
| Retained earnings to average equity (ytd only) | 0.1033% | 6,041 |
| Net charge-offs to loans | 0.1475% | 3,928 |
| Credit loss provision to net charge-offs | 140.3509% | 2,058 |
| Earnings coverage of net charge-offs (x) | 14.4558% | 1,832 |
| Efficiency ratio | 74.6227% | 2,888 |
| Assets per employee ($millions) | 3.6786% | 4,588 |
| Cash dividends to net income (ytd only)* | 99.1903% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 4,323 |
| Loan loss allowance to noncurrent loans | 322.0779% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 5,610 |
| Noncurrent loans to loans | 0.4384% | 5,572 |
| Net loans and leases to total assets | 67.2388% | 2,417 |
| Net loans and leases to deposits | 75.7349% | 3,022 |
| Net loans and leases to core deposits | 80.8121% | 3,107 |
| Total domestic deposits to total assets | 88.7819% | 1,544 |
| Equity capital to assets | 10.0233% | 4,458 |
| Core capital (leverage) ratio | 10.0949% | 3,413 |
| Tier 1 risk-based capital ratio | 14.8269% | 3,958 |
| Total risk-based capital ratio | 16.0979% | 3,907 |
| Memoranda: | ||
| Average total assets | $75,551,000 | 5,531 |
| Average earning assets | $70,044,250 | 5,485 |
| Average equity | $7,741,000 | 5,627 |
| Average total loans | $51,523,500 | 5,098 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8466% | 2,320 |
| Cost of funding earning assets | 0.6330% | 4,598 |
| Net interest margin | 4.2135% | 1,711 |
| Noninterest income to average assets | 1.8057% | 475 |
| Noninterest expense to average assets | 4.3049% | 647 |
| Loan and lease loss provision to assets | 0.1334% | 3,863 |
| Net operating income to assets | 1.2883% | 1,470 |
| Return on assets (ROA) | 1.2829% | 1,640 |
| Pretax return on assets | 1.2856% | 2,611 |
| Return on Equity (ROE) | 12.4284% | 1,524 |
| Retained earnings to average equity (ytd only) | -3.6433% | 6,524 |
| Net charge-offs to loans | 0.1134% | 4,039 |
| Credit loss provision to net charge-offs | 172.4138% | 1,632 |
| Earnings coverage of net charge-offs (x) | 18.4138% | 1,486 |
| Efficiency ratio | 75.1397% | 2,872 |
| Assets per employee ($millions) | 3.5303% | 4,918 |
| Cash dividends to net income (ytd only)* | 129.3139% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 4,361 |
| Loan loss allowance to noncurrent loans | 187.8481% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.6677% | 5,108 |
| Noncurrent loans to loans | 0.7594% | 4,993 |
| Net loans and leases to total assets | 69.1648% | 2,077 |
| Net loans and leases to deposits | 78.1968% | 2,639 |
| Net loans and leases to core deposits | 83.6872% | 2,734 |
| Total domestic deposits to total assets | 88.4496% | 1,854 |
| Equity capital to assets | 10.2379% | 4,008 |
| Core capital (leverage) ratio | 9.8709% | 3,620 |
| Tier 1 risk-based capital ratio | 15.0453% | 3,744 |
| Total risk-based capital ratio | 16.3164% | 3,684 |
| Memoranda: | ||
| Average total assets | $74,984,670 | 5,580 |
| Average earning assets | $69,822,670 | 5,527 |
| Average equity | $7,740,330 | 5,643 |
| Average total loans | $51,136,000 | 5,142 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 2,591 |
| Cost of funding earning assets | 0.6562% | 4,672 |
| Net interest margin | 4.1541% | 1,921 |
| Noninterest income to average assets | 1.7558% | 496 |
| Noninterest expense to average assets | 4.2170% | 724 |
| Loan and lease loss provision to assets | 0.1591% | 3,389 |
| Net operating income to assets | 1.2359% | 1,641 |
| Return on assets (ROA) | 1.2253% | 1,850 |
| Pretax return on assets | 1.2306% | 2,803 |
| Return on Equity (ROE) | 11.8227% | 1,727 |
| Retained earnings to average equity (ytd only) | 9.2636% | 1,497 |
| Net charge-offs to loans | 0.0316% | 4,242 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 509 |
| Efficiency ratio | 75.0708% | 2,927 |
| Assets per employee ($millions) | 3.7932% | 4,438 |
| Cash dividends to net income (ytd only)* | 21.6450% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 4,074 |
| Loan loss allowance to noncurrent loans | 170.1595% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.7131% | 5,123 |
| Noncurrent loans to loans | 0.8920% | 4,882 |
| Net loans and leases to total assets | 63.8915% | 2,869 |
| Net loans and leases to deposits | 72.1785% | 3,409 |
| Net loans and leases to core deposits | 77.1091% | 3,457 |
| Total domestic deposits to total assets | 88.5188% | 2,001 |
| Equity capital to assets | 10.4148% | 3,601 |
| Core capital (leverage) ratio | 10.4405% | 2,825 |
| Tier 1 risk-based capital ratio | 16.2720% | 3,034 |
| Total risk-based capital ratio | 17.5449% | 2,979 |
| Memoranda: | ||
| Average total assets | $75,409,000 | 5,605 |
| Average earning assets | $70,099,000 | 5,558 |
| Average equity | $7,815,500 | 5,650 |
| Average total loans | $50,695,000 | 5,198 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0622% | 2,599 |
| Cost of funding earning assets | 0.8109% | 4,784 |
| Net interest margin | 4.2512% | 1,878 |
| Noninterest income to average assets | 1.6944% | 492 |
| Noninterest expense to average assets | 4.1831% | 827 |
| Loan and lease loss provision to assets | 0.1360% | 4,919 |
| Net operating income to assets | 1.3164% | 1,201 |
| Return on assets (ROA) | 1.3028% | 1,346 |
| Pretax return on assets | 1.3042% | 2,116 |
| Return on Equity (ROE) | 12.7444% | 1,218 |
| Retained earnings to average equity (ytd only) | 1.5166% | 5,135 |
| Net charge-offs to loans | 0.0926% | 5,414 |
| Credit loss provision to net charge-offs | 212.7660% | 1,154 |
| Earnings coverage of net charge-offs (x) | 22.7447% | 1,050 |
| Efficiency ratio | 74.2099% | 3,194 |
| Assets per employee ($millions) | 3.7478% | 4,442 |
| Cash dividends to net income (ytd only)* | 88.1002% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 4,549 |
| Loan loss allowance to noncurrent loans | 206.5903% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 5,610 |
| Noncurrent loans to loans | 0.6689% | 5,365 |
| Net loans and leases to total assets | 68.6439% | 2,281 |
| Net loans and leases to deposits | 77.4996% | 2,921 |
| Net loans and leases to core deposits | 83.6563% | 2,935 |
| Total domestic deposits to total assets | 88.5731% | 1,805 |
| Equity capital to assets | 10.3129% | 3,762 |
| Core capital (leverage) ratio | 10.3110% | 2,957 |
| Tier 1 risk-based capital ratio | 15.0154% | 3,631 |
| Total risk-based capital ratio | 16.2861% | 3,579 |
| Memoranda: | ||
| Average total assets | $73,534,200 | 5,659 |
| Average earning assets | $68,192,200 | 5,605 |
| Average equity | $7,517,000 | 5,712 |
| Average total loans | $50,740,000 | 5,242 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0259% | 2,963 |
| Cost of funding earning assets | 0.8344% | 4,907 |
| Net interest margin | 4.1915% | 2,137 |
| Noninterest income to average assets | 1.6544% | 497 |
| Noninterest expense to average assets | 4.1978% | 799 |
| Loan and lease loss provision to assets | 0.1093% | 5,071 |
| Net operating income to assets | 1.2553% | 1,501 |
| Return on assets (ROA) | 1.2298% | 1,681 |
| Pretax return on assets | 1.2298% | 2,524 |
| Return on Equity (ROE) | 12.0580% | 1,538 |
| Retained earnings to average equity (ytd only) | -1.2862% | 6,197 |
| Net charge-offs to loans | 0.0132% | 5,966 |
| Credit loss provision to net charge-offs | 1,200.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 149.7211% | 259 |
| Efficiency ratio | 75.4668% | 2,926 |
| Assets per employee ($millions) | 3.7983% | 4,307 |
| Cash dividends to net income (ytd only)* | 110.6669% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 4,658 |
| Loan loss allowance to noncurrent loans | 82.2526% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.3635% | 4,096 |
| Noncurrent loans to loans | 1.6728% | 3,797 |
| Net loans and leases to total assets | 71.8126% | 1,751 |
| Net loans and leases to deposits | 81.4410% | 2,458 |
| Net loans and leases to core deposits | 88.2428% | 2,455 |
| Total domestic deposits to total assets | 88.1774% | 1,940 |
| Equity capital to assets | 10.4799% | 3,730 |
| Core capital (leverage) ratio | 10.1428% | 3,254 |
| Tier 1 risk-based capital ratio | 14.5903% | 3,910 |
| Total risk-based capital ratio | 15.8614% | 3,873 |
| Memoranda: | ||
| Average total assets | $73,179,000 | 5,708 |
| Average earning assets | $68,231,250 | 5,647 |
| Average equity | $7,463,750 | 5,758 |
| Average total loans | $50,381,750 | 5,289 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9220% | 3,524 |
| Cost of funding earning assets | 0.8539% | 5,034 |
| Net interest margin | 4.0682% | 2,540 |
| Noninterest income to average assets | 1.6024% | 506 |
| Noninterest expense to average assets | 4.0943% | 921 |
| Loan and lease loss provision to assets | 0.0544% | 5,636 |
| Net operating income to assets | 1.2514% | 1,441 |
| Return on assets (ROA) | 1.2106% | 1,624 |
| Pretax return on assets | 1.2106% | 2,440 |
| Return on Equity (ROE) | 11.9774% | 1,497 |
| Retained earnings to average equity (ytd only) | -5.5446% | 6,609 |
| Net charge-offs to loans | 0.0161% | 5,616 |
| Credit loss provision to net charge-offs | 500.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 291 |
| Efficiency ratio | 75.8186% | 3,046 |
| Assets per employee ($millions) | 3.1097% | 5,856 |
| Cash dividends to net income (ytd only)* | 146.2921% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 4,772 |
| Loan loss allowance to noncurrent loans | 111.5824% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.9245% | 5,018 |
| Noncurrent loans to loans | 1.2193% | 4,627 |
| Net loans and leases to total assets | 66.4447% | 2,941 |
| Net loans and leases to deposits | 74.9192% | 3,657 |
| Net loans and leases to core deposits | 80.9075% | 3,667 |
| Total domestic deposits to total assets | 88.6885% | 1,725 |
| Equity capital to assets | 9.9636% | 4,204 |
| Core capital (leverage) ratio | 9.6748% | 3,695 |
| Tier 1 risk-based capital ratio | 14.7628% | 3,638 |
| Total risk-based capital ratio | 16.0323% | 3,593 |
| Memoranda: | ||
| Average total assets | $73,516,330 | 5,734 |
| Average earning assets | $68,630,000 | 5,675 |
| Average equity | $7,430,670 | 5,792 |
| Average total loans | $49,659,670 | 5,374 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8995% | 3,599 |
| Cost of funding earning assets | 0.8732% | 5,105 |
| Net interest margin | 4.0263% | 2,581 |
| Noninterest income to average assets | 1.4967% | 579 |
| Noninterest expense to average assets | 3.8542% | 1,240 |
| Loan and lease loss provision to assets | 0.0548% | 5,320 |
| Net operating income to assets | 1.3542% | 1,144 |
| Return on assets (ROA) | 1.2720% | 1,391 |
| Pretax return on assets | 1.2720% | 2,129 |
| Return on Equity (ROE) | 12.4933% | 1,325 |
| Retained earnings to average equity (ytd only) | -17.3398% | 7,099 |
| Net charge-offs to loans | -0.0081% | 6,312 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2292% | 3,646 |
| Assets per employee ($millions) | 3.1090% | 5,930 |
| Cash dividends to net income (ytd only)* | 238.7931% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 4,618 |
| Loan loss allowance to noncurrent loans | 75.2772% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.3121% | 4,341 |
| Noncurrent loans to loans | 1.8716% | 3,730 |
| Net loans and leases to total assets | 63.6789% | 3,504 |
| Net loans and leases to deposits | 73.4124% | 3,859 |
| Net loans and leases to core deposits | 79.0017% | 3,887 |
| Total domestic deposits to total assets | 86.7413% | 3,097 |
| Equity capital to assets | 9.7353% | 4,133 |
| Core capital (leverage) ratio | 9.7979% | 3,390 |
| Tier 1 risk-based capital ratio | 15.0336% | 3,406 |
| Total risk-based capital ratio | 16.3055% | 3,355 |
| Memoranda: | ||
| Average total assets | $72,958,500 | 5,789 |
| Average earning assets | $68,251,500 | 5,729 |
| Average equity | $7,428,000 | 5,796 |
| Average total loans | $49,353,000 | 5,426 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6896% | 1,607 |
| Cost of funding earning assets | 1.1278% | 4,978 |
| Net interest margin | 4.5618% | 1,104 |
| Noninterest income to average assets | 0.5837% | 3,569 |
| Noninterest expense to average assets | 3.4586% | 2,285 |
| Loan and lease loss provision to assets | 0.1975% | 5,255 |
| Net operating income to assets | 1.0036% | 2,029 |
| Return on assets (ROA) | 1.0095% | 2,117 |
| Pretax return on assets | 1.0110% | 2,901 |
| Return on Equity (ROE) | 9.1697% | 2,230 |
| Retained earnings to average equity (ytd only) | 2.9768% | 3,771 |
| Net charge-offs to loans | 0.1858% | 5,191 |
| Credit loss provision to net charge-offs | 153.4091% | 2,322 |
| Earnings coverage of net charge-offs (x) | 9.3409% | 1,839 |
| Efficiency ratio | 74.1996% | 3,357 |
| Assets per employee ($millions) | 3.3953% | 5,181 |
| Cash dividends to net income (ytd only)* | 67.5362% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 4,885 |
| Loan loss allowance to noncurrent loans | 101.5198% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 1.2482% | 4,528 |
| Noncurrent loans to loans | 1.3026% | 4,537 |
| Net loans and leases to total assets | 69.9069% | 2,553 |
| Net loans and leases to deposits | 81.1702% | 2,957 |
| Net loans and leases to core deposits | 87.0959% | 3,172 |
| Total domestic deposits to total assets | 86.1238% | 3,291 |
| Equity capital to assets | 10.6477% | 3,025 |
| Core capital (leverage) ratio | 10.4561% | 2,599 |
| Tier 1 risk-based capital ratio | 15.4510% | 3,016 |
| Total risk-based capital ratio | 16.7210% | 2,971 |
| Memoranda: | ||
| Average total assets | $68,351,200 | 5,925 |
| Average earning assets | $61,093,800 | 5,956 |
| Average equity | $7,524,800 | 5,865 |
| Average total loans | $47,355,600 | 5,585 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7710% | 1,481 |
| Cost of funding earning assets | 1.1605% | 5,085 |
| Net interest margin | 4.6106% | 1,019 |
| Noninterest income to average assets | 0.5443% | 3,834 |
| Noninterest expense to average assets | 3.4765% | 2,091 |
| Loan and lease loss provision to assets | 0.2071% | 4,987 |
| Net operating income to assets | 0.9327% | 2,488 |
| Return on assets (ROA) | 0.9327% | 2,616 |
| Pretax return on assets | 0.9347% | 3,432 |
| Return on Equity (ROE) | 8.3997% | 2,743 |
| Retained earnings to average equity (ytd only) | 2.2198% | 4,839 |
| Net charge-offs to loans | 0.1918% | 4,804 |
| Credit loss provision to net charge-offs | 156.7164% | 2,444 |
| Earnings coverage of net charge-offs (x) | 8.6419% | 2,132 |
| Efficiency ratio | 75.2775% | 3,085 |
| Assets per employee ($millions) | 3.3564% | 5,311 |
| Cash dividends to net income (ytd only)* | 73.5733% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 4,728 |
| Loan loss allowance to noncurrent loans | 108.3882% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.9719% | 5,143 |
| Noncurrent loans to loans | 1.2417% | 4,772 |
| Net loans and leases to total assets | 68.5347% | 3,085 |
| Net loans and leases to deposits | 80.3814% | 3,380 |
| Net loans and leases to core deposits | 87.0724% | 3,513 |
| Total domestic deposits to total assets | 85.2619% | 3,486 |
| Equity capital to assets | 10.7258% | 3,261 |
| Core capital (leverage) ratio | 10.7745% | 2,444 |
| Tier 1 risk-based capital ratio | 15.7683% | 2,875 |
| Total risk-based capital ratio | 17.0394% | 2,818 |
| Memoranda: | ||
| Average total assets | $67,613,500 | 6,011 |
| Average earning assets | $59,745,250 | 6,069 |
| Average equity | $7,508,000 | 5,943 |
| Average total loans | $46,566,250 | 5,698 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6953% | 1,782 |
| Cost of funding earning assets | 1.1681% | 5,300 |
| Net interest margin | 4.5272% | 1,149 |
| Noninterest income to average assets | 0.5821% | 3,466 |
| Noninterest expense to average assets | 3.4205% | 2,213 |
| Loan and lease loss provision to assets | 0.1800% | 5,067 |
| Net operating income to assets | 1.0022% | 2,191 |
| Return on assets (ROA) | 1.0022% | 2,270 |
| Pretax return on assets | 1.0052% | 3,097 |
| Return on Equity (ROE) | 8.9178% | 2,505 |
| Retained earnings to average equity (ytd only) | 1.5486% | 5,091 |
| Net charge-offs to loans | 0.1879% | 4,488 |
| Credit loss provision to net charge-offs | 139.5349% | 2,875 |
| Earnings coverage of net charge-offs (x) | 9.1860% | 2,046 |
| Efficiency ratio | 74.2671% | 3,418 |
| Assets per employee ($millions) | 3.1769% | 5,727 |
| Cash dividends to net income (ytd only)* | 82.6347% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 4,778 |
| Loan loss allowance to noncurrent loans | 97.7029% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 1.0702% | 4,993 |
| Noncurrent loans to loans | 1.3585% | 4,675 |
| Net loans and leases to total assets | 71.0915% | 2,630 |
| Net loans and leases to deposits | 84.1728% | 2,844 |
| Net loans and leases to core deposits | 91.9504% | 2,998 |
| Total domestic deposits to total assets | 84.4590% | 3,893 |
| Equity capital to assets | 11.2360% | 2,654 |
| Core capital (leverage) ratio | 10.8738% | 2,346 |
| Tier 1 risk-based capital ratio | 16.1729% | 2,599 |
| Total risk-based capital ratio | 17.4448% | 2,548 |
| Memoranda: | ||
| Average total assets | $66,656,670 | 6,078 |
| Average earning assets | $59,242,000 | 6,131 |
| Average equity | $7,490,670 | 5,972 |
| Average total loans | $45,766,670 | 5,775 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6029% | 2,138 |
| Cost of funding earning assets | 1.1881% | 5,468 |
| Net interest margin | 4.4148% | 1,353 |
| Noninterest income to average assets | 0.6124% | 3,191 |
| Noninterest expense to average assets | 3.3860% | 2,275 |
| Loan and lease loss provision to assets | 0.1801% | 4,724 |
| Net operating income to assets | 0.9726% | 2,295 |
| Return on assets (ROA) | 0.9726% | 2,354 |
| Pretax return on assets | 0.9726% | 3,197 |
| Return on Equity (ROE) | 8.6538% | 2,605 |
| Retained earnings to average equity (ytd only) | 2.6709% | 4,546 |
| Net charge-offs to loans | 0.2779% | 3,303 |
| Credit loss provision to net charge-offs | 96.7742% | 3,509 |
| Earnings coverage of net charge-offs (x) | 6.1935% | 2,266 |
| Efficiency ratio | 74.6032% | 3,467 |
| Assets per employee ($millions) | 2.6171% | 7,007 |
| Cash dividends to net income (ytd only)* | 69.1358% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 4,429 |
| Loan loss allowance to noncurrent loans | 88.3191% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 1.1371% | 4,891 |
| Noncurrent loans to loans | 1.5833% | 4,367 |
| Net loans and leases to total assets | 66.8200% | 3,675 |
| Net loans and leases to deposits | 79.1867% | 3,807 |
| Net loans and leases to core deposits | 85.9713% | 3,900 |
| Total domestic deposits to total assets | 84.3828% | 3,960 |
| Equity capital to assets | 11.4355% | 2,414 |
| Core capital (leverage) ratio | 11.0663% | 2,191 |
| Tier 1 risk-based capital ratio | 17.2945% | 2,155 |
| Total risk-based capital ratio | 18.5697% | 2,103 |
| Memoranda: | ||
| Average total assets | $66,628,000 | 6,147 |
| Average earning assets | $59,255,000 | 6,199 |
| Average equity | $7,488,000 | 6,018 |
| Average total loans | $44,617,000 | 5,908 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9713% | 1,985 |
| Cost of funding earning assets | 1.5431% | 5,323 |
| Net interest margin | 4.4281% | 1,351 |
| Noninterest income to average assets | 0.5916% | 3,689 |
| Noninterest expense to average assets | 3.6338% | 2,069 |
| Loan and lease loss provision to assets | 0.1272% | 6,368 |
| Net operating income to assets | 0.8158% | 2,473 |
| Return on assets (ROA) | 0.8158% | 2,560 |
| Pretax return on assets | 0.8190% | 3,188 |
| Return on Equity (ROE) | 6.7591% | 2,886 |
| Retained earnings to average equity (ytd only) | 0.8037% | 4,452 |
| Net charge-offs to loans | 0.1643% | 5,639 |
| Credit loss provision to net charge-offs | 117.6471% | 4,605 |
| Earnings coverage of net charge-offs (x) | 8.7500% | 1,903 |
| Efficiency ratio | 79.3403% | 2,982 |
| Assets per employee ($millions) | 2.7131% | 6,831 |
| Cash dividends to net income (ytd only)* | 88.1092% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3832% | 4,318 |
| Loan loss allowance to noncurrent loans | 71.6263% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.3402% | 4,419 |
| Noncurrent loans to loans | 1.9312% | 3,756 |
| Net loans and leases to total assets | 65.2739% | 4,329 |
| Net loans and leases to deposits | 77.0653% | 4,549 |
| Net loans and leases to core deposits | 101.5156% | 3,845 |
| Total domestic deposits to total assets | 84.6995% | 3,709 |
| Equity capital to assets | 11.0485% | 2,676 |
| Core capital (leverage) ratio | 11.2148% | 2,093 |
| Tier 1 risk-based capital ratio | 16.8813% | 2,175 |
| Total risk-based capital ratio | 18.1551% | 2,148 |
| Memoranda: | ||
| Average total assets | $62,881,200 | 6,244 |
| Average earning assets | $56,637,800 | 6,267 |
| Average equity | $7,589,800 | 6,059 |
| Average total loans | $41,378,200 | 6,044 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0838% | 1,711 |
| Cost of funding earning assets | 1.6168% | 5,323 |
| Net interest margin | 4.4670% | 1,273 |
| Noninterest income to average assets | 0.5688% | 3,933 |
| Noninterest expense to average assets | 3.6293% | 1,965 |
| Loan and lease loss provision to assets | 0.1082% | 6,291 |
| Net operating income to assets | 0.8608% | 2,571 |
| Return on assets (ROA) | 0.8608% | 2,635 |
| Pretax return on assets | 0.8652% | 3,336 |
| Return on Equity (ROE) | 6.9696% | 3,088 |
| Retained earnings to average equity (ytd only) | 3.0995% | 3,589 |
| Net charge-offs to loans | 0.1185% | 5,512 |
| Credit loss provision to net charge-offs | 138.8889% | 3,561 |
| Earnings coverage of net charge-offs (x) | 12.4998% | 1,754 |
| Efficiency ratio | 78.8534% | 3,017 |
| Assets per employee ($millions) | 2.5442% | 7,154 |
| Cash dividends to net income (ytd only)* | 55.5281% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4020% | 3,930 |
| Loan loss allowance to noncurrent loans | 88.3688% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 1.1744% | 4,722 |
| Noncurrent loans to loans | 1.5866% | 4,259 |
| Net loans and leases to total assets | 68.8814% | 3,751 |
| Net loans and leases to deposits | 83.8058% | 3,681 |
| Net loans and leases to core deposits | 109.3496% | 3,307 |
| Total domestic deposits to total assets | 82.1917% | 4,592 |
| Equity capital to assets | 12.0384% | 2,221 |
| Core capital (leverage) ratio | 11.9897% | 1,804 |
| Tier 1 risk-based capital ratio | 17.6756% | 2,080 |
| Total risk-based capital ratio | 18.9506% | 2,019 |
| Memoranda: | ||
| Average total assets | $61,644,500 | 6,323 |
| Average earning assets | $55,665,500 | 6,353 |
| Average equity | $7,613,750 | 6,105 |
| Average total loans | $40,499,000 | 6,130 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0548% | 1,964 |
| Cost of funding earning assets | 1.6734% | 5,397 |
| Net interest margin | 4.3814% | 1,446 |
| Noninterest income to average assets | 0.5542% | 4,000 |
| Noninterest expense to average assets | 3.6169% | 2,030 |
| Loan and lease loss provision to assets | 0.1312% | 5,779 |
| Net operating income to assets | 0.7575% | 3,013 |
| Return on assets (ROA) | 0.7575% | 3,125 |
| Pretax return on assets | 0.7640% | 3,792 |
| Return on Equity (ROE) | 6.0795% | 3,612 |
| Retained earnings to average equity (ytd only) | 2.2897% | 4,061 |
| Net charge-offs to loans | 0.1327% | 4,837 |
| Credit loss provision to net charge-offs | 153.8462% | 2,983 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,986 |
| Efficiency ratio | 80.1599% | 3,019 |
| Assets per employee ($millions) | 2.6758% | 6,887 |
| Cash dividends to net income (ytd only)* | 62.3377% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 2,919 |
| Loan loss allowance to noncurrent loans | 94.9695% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 1.1504% | 4,641 |
| Noncurrent loans to loans | 1.6409% | 4,035 |
| Net loans and leases to total assets | 63.9461% | 4,995 |
| Net loans and leases to deposits | 74.0507% | 5,442 |
| Net loans and leases to core deposits | 95.4315% | 4,965 |
| Total domestic deposits to total assets | 86.3545% | 2,596 |
| Equity capital to assets | 12.3018% | 2,026 |
| Core capital (leverage) ratio | 11.8739% | 1,891 |
| Tier 1 risk-based capital ratio | 19.0474% | 1,771 |
| Total risk-based capital ratio | 20.3272% | 1,716 |
| Memoranda: | ||
| Average total assets | $60,991,000 | 6,412 |
| Average earning assets | $55,096,670 | 6,423 |
| Average equity | $7,599,330 | 6,145 |
| Average total loans | $39,187,000 | 6,237 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1683% | 1,700 |
| Cost of funding earning assets | 1.7405% | 5,414 |
| Net interest margin | 4.4278% | 1,277 |
| Noninterest income to average assets | 0.5468% | 3,952 |
| Noninterest expense to average assets | 3.3798% | 2,417 |
| Loan and lease loss provision to assets | 0.1318% | 5,272 |
| Net operating income to assets | 1.0409% | 2,163 |
| Return on assets (ROA) | 1.0409% | 2,293 |
| Pretax return on assets | 1.0409% | 3,200 |
| Return on Equity (ROE) | 8.3010% | 3,010 |
| Retained earnings to average equity (ytd only) | 8.3010% | 1,707 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2402% | 3,784 |
| Assets per employee ($millions) | 2.5169% | 7,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 2,316 |
| Loan loss allowance to noncurrent loans | 140.7159% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.8261% | 5,113 |
| Noncurrent loans to loans | 1.1717% | 4,642 |
| Net loans and leases to total assets | 62.1130% | 5,299 |
| Net loans and leases to deposits | 72.0956% | 5,734 |
| Net loans and leases to core deposits | 93.6548% | 5,190 |
| Total domestic deposits to total assets | 86.1537% | 2,633 |
| Equity capital to assets | 12.6693% | 1,901 |
| Core capital (leverage) ratio | 12.0988% | 1,856 |
| Tier 1 risk-based capital ratio | 20.1536% | 1,598 |
| Total risk-based capital ratio | 21.4355% | 1,545 |
| Memoranda: | ||
| Average total assets | $60,714,500 | 6,449 |
| Average earning assets | $54,926,000 | 6,461 |
| Average equity | $7,613,500 | 6,181 |
| Average total loans | $38,791,500 | 6,286 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9923% | 1,154 |
| Cost of funding earning assets | 2.3486% | 4,932 |
| Net interest margin | 4.6436% | 1,062 |
| Noninterest income to average assets | 0.7390% | 2,851 |
| Noninterest expense to average assets | 3.2770% | 3,049 |
| Loan and lease loss provision to assets | 0.2184% | 4,705 |
| Net operating income to assets | 1.4613% | 1,103 |
| Return on assets (ROA) | 1.4613% | 1,061 |
| Pretax return on assets | 1.4613% | 1,787 |
| Return on Equity (ROE) | 12.2208% | 1,546 |
| Retained earnings to average equity (ytd only) | 8.7372% | 647 |
| Net charge-offs to loans | 0.1281% | 4,955 |
| Credit loss provision to net charge-offs | 254.9020% | 1,828 |
| Earnings coverage of net charge-offs (x) | 19.6078% | 1,618 |
| Efficiency ratio | 66.1132% | 5,107 |
| Assets per employee ($millions) | 2.5426% | 7,127 |
| Cash dividends to net income (ytd only)* | 28.5057% | 4,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5444% | 2,475 |
| Loan loss allowance to noncurrent loans | 139.6789% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.7997% | 4,854 |
| Noncurrent loans to loans | 1.1056% | 4,345 |
| Net loans and leases to total assets | 63.6236% | 5,352 |
| Net loans and leases to deposits | 74.3845% | 5,798 |
| Net loans and leases to core deposits | 93.8959% | 5,453 |
| Total domestic deposits to total assets | 85.5333% | 2,617 |
| Equity capital to assets | 12.4117% | 2,060 |
| Core capital (leverage) ratio | 11.9309% | 2,001 |
| Tier 1 risk-based capital ratio | 19.3810% | 1,735 |
| Total risk-based capital ratio | 20.6615% | 1,688 |
| Memoranda: | ||
| Average total assets | $59,537,000 | 6,399 |
| Average earning assets | $54,074,000 | 6,412 |
| Average equity | $7,119,000 | 6,414 |
| Average total loans | $39,804,600 | 6,165 |