Home > First United Bank > Performance and Condition Ratios
First United Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6213% | 2,850 |
| Cost of funding earning assets | 1.2442% | 2,672 |
| Net interest margin | 3.3771% | 2,455 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.0812% | 3,451 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.2568% | 1,528 |
| Return on assets (ROA) | 1.1761% | 1,678 |
| Pretax return on assets | 1.1761% | 2,202 |
| Return on Equity (ROE) | 13.9100% | 1,502 |
| Retained earnings to average equity (ytd only) | 4.0583% | 2,940 |
| Net charge-offs to loans | 0.0057% | 2,492 |
| Credit loss provision to net charge-offs | 2,500.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 377.0000% | 370 |
| Efficiency ratio | 59.2196% | 3,166 |
| Assets per employee ($millions) | 7.6370% | 1,631 |
| Cash dividends to net income (ytd only)* | 70.8323% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 2,084 |
| Loan loss allowance to noncurrent loans | 1,165.9091% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 3,097 |
| Noncurrent loans to loans | 0.1061% | 3,010 |
| Net loans and leases to total assets | 65.5700% | 2,302 |
| Net loans and leases to deposits | 78.4148% | 2,232 |
| Net loans and leases to core deposits | 85.1438% | 2,368 |
| Total domestic deposits to total assets | 83.6200% | 2,727 |
| Equity capital to assets | 8.8909% | 2,752 |
| Core capital (leverage) ratio | 9.9707% | 2,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $672,209,600 | 1,349 |
| Average earning assets | $617,810,800 | 1,344 |
| Average equity | $56,821,400 | 1,448 |
| Average total loans | $423,408,000 | 1,415 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4961% | 2,930 |
| Cost of funding earning assets | 1.0822% | 2,796 |
| Net interest margin | 3.4138% | 2,420 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.1373% | 3,242 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.1924% | 1,818 |
| Return on assets (ROA) | 1.1924% | 1,802 |
| Pretax return on assets | 1.1924% | 2,314 |
| Return on Equity (ROE) | 14.3000% | 1,581 |
| Retained earnings to average equity (ytd only) | 3.7739% | 3,317 |
| Net charge-offs to loans | -0.0026% | 3,618 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.4580% | 2,914 |
| Assets per employee ($millions) | 7.2593% | 1,782 |
| Cash dividends to net income (ytd only)* | 73.6032% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 1,986 |
| Loan loss allowance to noncurrent loans | 1,039.5604% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 3,058 |
| Noncurrent loans to loans | 0.1227% | 2,945 |
| Net loans and leases to total assets | 64.3800% | 2,400 |
| Net loans and leases to deposits | 79.5011% | 2,096 |
| Net loans and leases to core deposits | 85.7575% | 2,201 |
| Total domestic deposits to total assets | 80.9800% | 3,389 |
| Equity capital to assets | 7.9393% | 3,093 |
| Core capital (leverage) ratio | 9.7900% | 3,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $668,428,500 | 1,351 |
| Average earning assets | $614,268,250 | 1,349 |
| Average equity | $55,749,250 | 1,459 |
| Average total loans | $415,175,750 | 1,432 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2254% | 3,241 |
| Cost of funding earning assets | 0.7550% | 3,334 |
| Net interest margin | 3.4704% | 2,341 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.1393% | 3,243 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.2799% | 1,621 |
| Return on assets (ROA) | 1.2836% | 1,601 |
| Pretax return on assets | 1.2836% | 2,129 |
| Return on Equity (ROE) | 15.1400% | 1,445 |
| Retained earnings to average equity (ytd only) | 4.8335% | 2,982 |
| Net charge-offs to loans | -0.0094% | 3,894 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.4609% | 3,026 |
| Assets per employee ($millions) | 7.0411% | 1,896 |
| Cash dividends to net income (ytd only)* | 68.0751% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 1,984 |
| Loan loss allowance to noncurrent loans | 930.2245% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 2,917 |
| Noncurrent loans to loans | 0.1383% | 2,777 |
| Net loans and leases to total assets | 62.4500% | 2,534 |
| Net loans and leases to deposits | 73.7711% | 2,520 |
| Net loans and leases to core deposits | 77.0915% | 2,682 |
| Total domestic deposits to total assets | 84.6600% | 2,635 |
| Equity capital to assets | 8.5202% | 2,846 |
| Core capital (leverage) ratio | 10.1651% | 2,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $663,778,667 | 1,355 |
| Average earning assets | $609,270,333 | 1,360 |
| Average equity | $56,273,667 | 1,451 |
| Average total loans | $405,239,333 | 1,446 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0799% | 3,291 |
| Cost of funding earning assets | 0.5404% | 3,564 |
| Net interest margin | 3.5395% | 2,263 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.1494% | 3,254 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.2829% | 1,716 |
| Return on assets (ROA) | 1.2853% | 1,687 |
| Pretax return on assets | 1.2853% | 2,216 |
| Return on Equity (ROE) | 15.2000% | 1,518 |
| Retained earnings to average equity (ytd only) | 5.2371% | 2,964 |
| Net charge-offs to loans | -0.0050% | 3,637 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.5319% | 3,013 |
| Assets per employee ($millions) | 7.2566% | 1,779 |
| Cash dividends to net income (ytd only)* | 65.5431% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 1,810 |
| Loan loss allowance to noncurrent loans | 914.7110% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 2,938 |
| Noncurrent loans to loans | 0.1478% | 2,755 |
| Net loans and leases to total assets | 58.3700% | 2,835 |
| Net loans and leases to deposits | 64.4580% | 3,048 |
| Net loans and leases to core deposits | 66.2634% | 3,204 |
| Total domestic deposits to total assets | 90.5600% | 958 |
| Equity capital to assets | 8.7643% | 2,686 |
| Core capital (leverage) ratio | 9.8567% | 2,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $664,735,500 | 1,375 |
| Average earning assets | $606,981,000 | 1,384 |
| Average equity | $56,214,500 | 1,464 |
| Average total loans | $398,491,500 | 1,474 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5840% | 2,845 |
| Cost of funding earning assets | 0.2213% | 3,585 |
| Net interest margin | 3.3627% | 2,376 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.1080% | 3,271 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2961% | 1,446 |
| Return on assets (ROA) | 1.2954% | 1,410 |
| Pretax return on assets | 1.2954% | 2,104 |
| Return on Equity (ROE) | 14.8300% | 1,302 |
| Retained earnings to average equity (ytd only) | 8.8734% | 1,519 |
| Net charge-offs to loans | -0.0054% | 3,650 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.4088% | 2,997 |
| Assets per employee ($millions) | 7.4327% | 1,665 |
| Cash dividends to net income (ytd only)* | 40.1745% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 2,227 |
| Loan loss allowance to noncurrent loans | 943.5754% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 3,006 |
| Noncurrent loans to loans | 0.1308% | 2,858 |
| Net loans and leases to total assets | 59.9500% | 2,635 |
| Net loans and leases to deposits | 67.0982% | 2,804 |
| Net loans and leases to core deposits | 68.6047% | 2,972 |
| Total domestic deposits to total assets | 89.3400% | 1,623 |
| Equity capital to assets | 8.1597% | 2,958 |
| Core capital (leverage) ratio | 9.6231% | 3,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $672,534,600 | 1,343 |
| Average earning assets | $619,384,200 | 1,355 |
| Average equity | $58,737,600 | 1,425 |
| Average total loans | $390,921,000 | 1,425 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4505% | 2,776 |
| Cost of funding earning assets | 0.1885% | 3,412 |
| Net interest margin | 3.2619% | 2,418 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.0487% | 3,355 |
| Loan and lease loss provision to assets | -0.0600% | 4,520 |
| Net operating income to assets | 1.3010% | 1,351 |
| Return on assets (ROA) | 1.3002% | 1,315 |
| Pretax return on assets | 1.3002% | 2,046 |
| Return on Equity (ROE) | 14.6400% | 1,248 |
| Retained earnings to average equity (ytd only) | 9.5014% | 1,483 |
| Net charge-offs to loans | -0.0093% | 3,681 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.6988% | 3,028 |
| Assets per employee ($millions) | 6.8194% | 2,080 |
| Cash dividends to net income (ytd only)* | 35.1199% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 2,679 |
| Loan loss allowance to noncurrent loans | 768.5990% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 2,877 |
| Noncurrent loans to loans | 0.1527% | 2,850 |
| Net loans and leases to total assets | 60.1500% | 2,486 |
| Net loans and leases to deposits | 67.3952% | 2,590 |
| Net loans and leases to core deposits | 68.7182% | 2,744 |
| Total domestic deposits to total assets | 89.2500% | 1,982 |
| Equity capital to assets | 7.7493% | 3,054 |
| Core capital (leverage) ratio | 9.5317% | 3,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $671,574,500 | 1,352 |
| Average earning assets | $620,190,000 | 1,358 |
| Average equity | $59,624,500 | 1,427 |
| Average total loans | $386,015,250 | 1,432 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2706% | 2,832 |
| Cost of funding earning assets | 0.2704% | 2,025 |
| Net interest margin | 3.0001% | 2,869 |
| Noninterest income to average assets | 0.1789% | 4,111 |
| Noninterest expense to average assets | 1.8484% | 3,839 |
| Loan and lease loss provision to assets | -0.4588% | 4,747 |
| Net operating income to assets | 1.6270% | 514 |
| Return on assets (ROA) | 1.6219% | 509 |
| Pretax return on assets | 1.6219% | 896 |
| Return on Equity (ROE) | 21.3722% | 224 |
| Retained earnings to average equity (ytd only) | 17.4046% | 131 |
| Net charge-offs to loans | -0.0250% | 3,975 |
| Credit loss provision to net charge-offs | 3,333.3333% | 159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8175% | 3,201 |
| Assets per employee ($millions) | 7.8206% | 1,399 |
| Cash dividends to net income (ytd only)* | 18.5644% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 1,063 |
| Loan loss allowance to noncurrent loans | 543.6762% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 2,473 |
| Noncurrent loans to loans | 0.3021% | 2,249 |
| Net loans and leases to total assets | 57.4052% | 2,589 |
| Net loans and leases to deposits | 62.2148% | 2,872 |
| Net loans and leases to core deposits | 63.3734% | 3,012 |
| Total domestic deposits to total assets | 92.2694% | 737 |
| Equity capital to assets | 6.5965% | 3,974 |
| Core capital (leverage) ratio | 9.1313% | 3,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,737,333 | 2,254 |
| Average earning assets | $329,850,333 | 2,227 |
| Average equity | $26,464,333 | 2,609 |
| Average total loans | $191,951,333 | 2,286 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0723% | 3,052 |
| Cost of funding earning assets | 0.2690% | 1,941 |
| Net interest margin | 2.8033% | 3,131 |
| Noninterest income to average assets | 0.1634% | 4,180 |
| Noninterest expense to average assets | 1.7929% | 3,953 |
| Loan and lease loss provision to assets | -0.9015% | 4,780 |
| Net operating income to assets | 1.9258% | 253 |
| Return on assets (ROA) | 1.9292% | 254 |
| Pretax return on assets | 1.9292% | 414 |
| Return on Equity (ROE) | 23.9399% | 107 |
| Retained earnings to average equity (ytd only) | 18.3464% | 131 |
| Net charge-offs to loans | -0.0253% | 4,010 |
| Credit loss provision to net charge-offs | 6,666.6667% | 66 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1600% | 3,122 |
| Assets per employee ($millions) | 8.4322% | 1,150 |
| Cash dividends to net income (ytd only)* | 23.3645% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7312% | 998 |
| Loan loss allowance to noncurrent loans | 539.0940% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.1644% | 2,646 |
| Noncurrent loans to loans | 0.3211% | 2,319 |
| Net loans and leases to total assets | 50.2997% | 3,144 |
| Net loans and leases to deposits | 54.8799% | 3,352 |
| Net loans and leases to core deposits | 55.8650% | 3,457 |
| Total domestic deposits to total assets | 91.6540% | 723 |
| Equity capital to assets | 7.3387% | 4,025 |
| Core capital (leverage) ratio | 8.5183% | 3,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $354,963,500 | 2,236 |
| Average earning assets | $336,030,000 | 2,206 |
| Average equity | $28,605,000 | 2,558 |
| Average total loans | $189,792,500 | 2,297 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7971% | 1,874 |
| Cost of funding earning assets | 0.3449% | 1,986 |
| Net interest margin | 3.4523% | 1,874 |
| Noninterest income to average assets | 0.1966% | 4,182 |
| Noninterest expense to average assets | 1.8024% | 4,140 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6453% | 715 |
| Return on assets (ROA) | 1.6443% | 752 |
| Pretax return on assets | 1.6443% | 1,295 |
| Return on Equity (ROE) | 17.0203% | 592 |
| Retained earnings to average equity (ytd only) | 0.3957% | 4,395 |
| Net charge-offs to loans | -0.0161% | 3,899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8215% | 4,131 |
| Assets per employee ($millions) | 7.8942% | 1,388 |
| Cash dividends to net income (ytd only)* | 97.6753% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0619% | 560 |
| Loan loss allowance to noncurrent loans | 682.5939% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 2,676 |
| Noncurrent loans to loans | 0.3021% | 2,511 |
| Net loans and leases to total assets | 54.6991% | 2,766 |
| Net loans and leases to deposits | 60.7010% | 3,015 |
| Net loans and leases to core deposits | 61.9151% | 3,172 |
| Total domestic deposits to total assets | 90.1124% | 906 |
| Equity capital to assets | 8.8100% | 3,798 |
| Core capital (leverage) ratio | 8.7885% | 3,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $311,314,400 | 2,388 |
| Average earning assets | $293,170,400 | 2,365 |
| Average equity | $30,075,800 | 2,529 |
| Average total loans | $186,605,200 | 2,332 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9804% | 1,586 |
| Cost of funding earning assets | 0.3599% | 2,023 |
| Net interest margin | 3.6205% | 1,548 |
| Noninterest income to average assets | 0.1998% | 4,202 |
| Noninterest expense to average assets | 2.0182% | 3,615 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5886% | 1,059 |
| Return on assets (ROA) | 1.5855% | 1,113 |
| Pretax return on assets | 1.5855% | 1,751 |
| Return on Equity (ROE) | 16.0070% | 951 |
| Retained earnings to average equity (ytd only) | -2.6938% | 4,731 |
| Net charge-offs to loans | -0.0166% | 3,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5148% | 3,590 |
| Assets per employee ($millions) | 7.0472% | 1,833 |
| Cash dividends to net income (ytd only)* | 116.8289% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0720% | 568 |
| Loan loss allowance to noncurrent loans | 604.0847% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 2,618 |
| Noncurrent loans to loans | 0.3430% | 2,556 |
| Net loans and leases to total assets | 62.2788% | 1,977 |
| Net loans and leases to deposits | 70.2901% | 2,207 |
| Net loans and leases to core deposits | 71.6541% | 2,455 |
| Total domestic deposits to total assets | 88.6025% | 1,511 |
| Equity capital to assets | 10.0745% | 2,828 |
| Core capital (leverage) ratio | 9.2959% | 3,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $302,307,000 | 2,451 |
| Average earning assets | $284,486,750 | 2,430 |
| Average equity | $29,944,500 | 2,572 |
| Average total loans | $184,758,000 | 2,384 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6481% | 2,475 |
| Cost of funding earning assets | 0.3619% | 2,210 |
| Net interest margin | 3.2863% | 2,487 |
| Noninterest income to average assets | 0.2033% | 4,187 |
| Noninterest expense to average assets | 2.0155% | 3,657 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2785% | 1,926 |
| Return on assets (ROA) | 1.2706% | 2,024 |
| Pretax return on assets | 1.2706% | 2,707 |
| Return on Equity (ROE) | 12.9010% | 1,752 |
| Retained earnings to average equity (ytd only) | -11.9732% | 4,881 |
| Net charge-offs to loans | -0.0099% | 3,664 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7035% | 2,913 |
| Assets per employee ($millions) | 6.9697% | 1,832 |
| Cash dividends to net income (ytd only)* | 192.8088% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1226% | 485 |
| Loan loss allowance to noncurrent loans | 387.4391% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.3560% | 2,175 |
| Noncurrent loans to loans | 0.5479% | 2,031 |
| Net loans and leases to total assets | 61.2209% | 2,279 |
| Net loans and leases to deposits | 69.0027% | 2,515 |
| Net loans and leases to core deposits | 70.3550% | 2,747 |
| Total domestic deposits to total assets | 88.7225% | 1,433 |
| Equity capital to assets | 9.7866% | 3,071 |
| Core capital (leverage) ratio | 8.8577% | 3,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $302,065,667 | 2,448 |
| Average earning assets | $284,090,667 | 2,425 |
| Average equity | $29,749,667 | 2,574 |
| Average total loans | $182,105,000 | 2,424 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3224% | 1,011 |
| Cost of funding earning assets | 0.3674% | 2,378 |
| Net interest margin | 3.9551% | 905 |
| Noninterest income to average assets | 0.2203% | 4,062 |
| Noninterest expense to average assets | 1.9693% | 3,808 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9575% | 606 |
| Return on assets (ROA) | 1.9337% | 674 |
| Pretax return on assets | 1.9337% | 1,061 |
| Return on Equity (ROE) | 19.3471% | 583 |
| Retained earnings to average equity (ytd only) | -20.2445% | 4,920 |
| Net charge-offs to loans | -0.0089% | 3,628 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7481% | 4,207 |
| Assets per employee ($millions) | 7.1482% | 1,686 |
| Cash dividends to net income (ytd only)* | 204.6385% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3042% | 362 |
| Loan loss allowance to noncurrent loans | 379.5606% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 2,304 |
| Noncurrent loans to loans | 0.6071% | 2,048 |
| Net loans and leases to total assets | 54.8175% | 3,158 |
| Net loans and leases to deposits | 61.3981% | 3,376 |
| Net loans and leases to core deposits | 62.3849% | 3,552 |
| Total domestic deposits to total assets | 89.2820% | 1,180 |
| Equity capital to assets | 9.5146% | 3,188 |
| Core capital (leverage) ratio | 9.2038% | 3,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,251,000 | 2,426 |
| Average earning assets | $284,193,500 | 2,420 |
| Average equity | $30,309,500 | 2,519 |
| Average total loans | $179,430,000 | 2,441 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2878% | 1,904 |
| Cost of funding earning assets | 0.5069% | 2,910 |
| Net interest margin | 3.7809% | 1,552 |
| Noninterest income to average assets | 0.2292% | 4,128 |
| Noninterest expense to average assets | 2.1583% | 3,791 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.5915% | 653 |
| Return on assets (ROA) | 1.5933% | 705 |
| Pretax return on assets | 1.5933% | 1,087 |
| Return on Equity (ROE) | 14.9245% | 654 |
| Retained earnings to average equity (ytd only) | 5.8529% | 1,869 |
| Net charge-offs to loans | -0.1814% | 4,883 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0882% | 3,846 |
| Assets per employee ($millions) | 6.9565% | 1,613 |
| Cash dividends to net income (ytd only)* | 60.7834% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1299% | 468 |
| Loan loss allowance to noncurrent loans | 348.5514% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 2,338 |
| Noncurrent loans to loans | 0.6111% | 2,167 |
| Net loans and leases to total assets | 60.9843% | 2,735 |
| Net loans and leases to deposits | 69.1586% | 2,967 |
| Net loans and leases to core deposits | 70.3128% | 3,235 |
| Total domestic deposits to total assets | 88.1804% | 1,390 |
| Equity capital to assets | 10.4884% | 2,683 |
| Core capital (leverage) ratio | 9.7477% | 2,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,787,600 | 2,405 |
| Average earning assets | $259,596,800 | 2,405 |
| Average equity | $29,763,200 | 2,487 |
| Average total loans | $186,866,600 | 2,358 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4669% | 1,657 |
| Cost of funding earning assets | 0.5358% | 3,017 |
| Net interest margin | 3.9311% | 1,279 |
| Noninterest income to average assets | 0.2299% | 4,118 |
| Noninterest expense to average assets | 2.1887% | 3,707 |
| Loan and lease loss provision to assets | 0.0292% | 3,964 |
| Net operating income to assets | 1.6792% | 604 |
| Return on assets (ROA) | 1.6767% | 676 |
| Pretax return on assets | 1.6767% | 1,012 |
| Return on Equity (ROE) | 15.6306% | 588 |
| Retained earnings to average equity (ytd only) | 5.6401% | 2,268 |
| Net charge-offs to loans | -0.0078% | 4,168 |
| Credit loss provision to net charge-offs | -545.4545% | 3,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7125% | 3,954 |
| Assets per employee ($millions) | 6.6039% | 1,748 |
| Cash dividends to net income (ytd only)* | 63.9163% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8933% | 597 |
| Loan loss allowance to noncurrent loans | 237.7649% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.5835% | 1,979 |
| Noncurrent loans to loans | 0.7963% | 1,830 |
| Net loans and leases to total assets | 67.5525% | 2,306 |
| Net loans and leases to deposits | 78.4170% | 2,498 |
| Net loans and leases to core deposits | 80.1506% | 2,826 |
| Total domestic deposits to total assets | 86.1452% | 2,006 |
| Equity capital to assets | 10.8499% | 2,518 |
| Core capital (leverage) ratio | 9.9100% | 2,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $273,701,750 | 2,410 |
| Average earning assets | $255,323,250 | 2,413 |
| Average equity | $29,360,500 | 2,504 |
| Average total loans | $186,985,000 | 2,358 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6778% | 1,452 |
| Cost of funding earning assets | 0.5656% | 3,150 |
| Net interest margin | 4.1122% | 1,088 |
| Noninterest income to average assets | 0.2220% | 4,161 |
| Noninterest expense to average assets | 2.1666% | 3,886 |
| Loan and lease loss provision to assets | 0.0444% | 3,733 |
| Net operating income to assets | 1.8359% | 468 |
| Return on assets (ROA) | 1.8322% | 519 |
| Pretax return on assets | 1.8322% | 768 |
| Return on Equity (ROE) | 17.1484% | 434 |
| Retained earnings to average equity (ytd only) | 6.0670% | 2,048 |
| Net charge-offs to loans | -0.0098% | 4,207 |
| Credit loss provision to net charge-offs | -666.6667% | 3,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0993% | 4,275 |
| Assets per employee ($millions) | 6.6476% | 1,680 |
| Cash dividends to net income (ytd only)* | 64.6204% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9436% | 480 |
| Loan loss allowance to noncurrent loans | 231.2500% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 2,026 |
| Noncurrent loans to loans | 0.8405% | 1,814 |
| Net loans and leases to total assets | 65.3029% | 2,721 |
| Net loans and leases to deposits | 74.1941% | 3,061 |
| Net loans and leases to core deposits | 76.5102% | 3,244 |
| Total domestic deposits to total assets | 88.0162% | 1,172 |
| Equity capital to assets | 10.5942% | 2,669 |
| Core capital (leverage) ratio | 10.0583% | 2,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1200% | 1,759 |
| Memoranda: | ||
| Average total assets | $270,280,333 | 2,411 |
| Average earning assets | $251,399,667 | 2,409 |
| Average equity | $28,877,333 | 2,528 |
| Average total loans | $184,137,333 | 2,365 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6026% | 1,990 |
| Cost of funding earning assets | 0.6273% | 3,290 |
| Net interest margin | 3.9753% | 1,458 |
| Noninterest income to average assets | 0.2469% | 4,077 |
| Noninterest expense to average assets | 2.2233% | 3,951 |
| Loan and lease loss provision to assets | 0.0305% | 3,395 |
| Net operating income to assets | 1.6914% | 522 |
| Return on assets (ROA) | 1.6960% | 570 |
| Pretax return on assets | 1.6960% | 863 |
| Return on Equity (ROE) | 15.8015% | 451 |
| Retained earnings to average equity (ytd only) | 1.6043% | 3,571 |
| Net charge-offs to loans | -0.0110% | 4,109 |
| Credit loss provision to net charge-offs | -400.0000% | 3,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8903% | 4,217 |
| Assets per employee ($millions) | 5.8500% | 1,798 |
| Cash dividends to net income (ytd only)* | 89.8473% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0756% | 450 |
| Loan loss allowance to noncurrent loans | 201.9890% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.7255% | 1,855 |
| Noncurrent loans to loans | 1.0276% | 1,614 |
| Net loans and leases to total assets | 65.5221% | 2,873 |
| Net loans and leases to deposits | 74.5419% | 3,215 |
| Net loans and leases to core deposits | 77.1916% | 3,415 |
| Total domestic deposits to total assets | 87.8997% | 1,148 |
| Equity capital to assets | 10.6739% | 3,172 |
| Core capital (leverage) ratio | 10.5154% | 2,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2497% | 2,179 |
| Memoranda: | ||
| Average total assets | $262,498,000 | 2,416 |
| Average earning assets | $244,208,000 | 2,417 |
| Average equity | $28,174,500 | 2,565 |
| Average total loans | $181,023,500 | 2,347 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9962% | 1,492 |
| Cost of funding earning assets | 0.6291% | 3,508 |
| Net interest margin | 4.3671% | 954 |
| Noninterest income to average assets | 0.2571% | 4,135 |
| Noninterest expense to average assets | 2.3125% | 3,918 |
| Loan and lease loss provision to assets | 0.1585% | 1,322 |
| Net operating income to assets | 1.8578% | 471 |
| Return on assets (ROA) | 1.8578% | 491 |
| Pretax return on assets | 1.8578% | 821 |
| Return on Equity (ROE) | 17.5432% | 374 |
| Retained earnings to average equity (ytd only) | 7.0129% | 1,383 |
| Net charge-offs to loans | 0.0072% | 3,419 |
| Credit loss provision to net charge-offs | 3,115.3846% | 129 |
| Earnings coverage of net charge-offs (x) | 396.3846% | 231 |
| Efficiency ratio | 52.9784% | 4,527 |
| Assets per employee ($millions) | 5.8166% | 1,781 |
| Cash dividends to net income (ytd only)* | 60.0253% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9532% | 493 |
| Loan loss allowance to noncurrent loans | 223.9975% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.6575% | 1,940 |
| Noncurrent loans to loans | 0.8720% | 1,757 |
| Net loans and leases to total assets | 69.6374% | 2,455 |
| Net loans and leases to deposits | 79.4246% | 2,846 |
| Net loans and leases to core deposits | 92.2108% | 2,216 |
| Total domestic deposits to total assets | 87.6774% | 1,285 |
| Equity capital to assets | 10.7929% | 3,190 |
| Core capital (leverage) ratio | 10.5299% | 2,924 |
| Tier 1 risk-based capital ratio | 13.1364% | 3,717 |
| Total risk-based capital ratio | 14.3923% | 3,604 |
| Memoranda: | ||
| Average total assets | $255,567,800 | 2,423 |
| Average earning assets | $238,282,800 | 2,419 |
| Average equity | $27,064,600 | 2,558 |
| Average total loans | $181,684,000 | 2,301 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0087% | 1,511 |
| Cost of funding earning assets | 0.6091% | 3,648 |
| Net interest margin | 4.3997% | 946 |
| Noninterest income to average assets | 0.2567% | 4,203 |
| Noninterest expense to average assets | 2.3199% | 3,903 |
| Loan and lease loss provision to assets | 0.1590% | 1,183 |
| Net operating income to assets | 1.8953% | 497 |
| Return on assets (ROA) | 1.8953% | 518 |
| Pretax return on assets | 1.8953% | 876 |
| Return on Equity (ROE) | 17.9860% | 392 |
| Retained earnings to average equity (ytd only) | 7.2771% | 1,724 |
| Net charge-offs to loans | 0.0089% | 3,048 |
| Credit loss provision to net charge-offs | 2,525.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 326.1588% | 295 |
| Efficiency ratio | 53.0358% | 4,492 |
| Assets per employee ($millions) | 5.8165% | 1,746 |
| Cash dividends to net income (ytd only)* | 59.5404% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8366% | 628 |
| Loan loss allowance to noncurrent loans | 201.2543% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.7122% | 1,920 |
| Noncurrent loans to loans | 0.9126% | 1,752 |
| Net loans and leases to total assets | 72.0823% | 2,165 |
| Net loans and leases to deposits | 84.7353% | 2,348 |
| Net loans and leases to core deposits | 97.0724% | 1,895 |
| Total domestic deposits to total assets | 85.0677% | 2,403 |
| Equity capital to assets | 10.6796% | 3,398 |
| Core capital (leverage) ratio | 10.3785% | 3,226 |
| Tier 1 risk-based capital ratio | 12.2264% | 4,297 |
| Total risk-based capital ratio | 13.4805% | 4,177 |
| Memoranda: | ||
| Average total assets | $254,023,250 | 2,456 |
| Average earning assets | $237,738,250 | 2,436 |
| Average equity | $26,768,250 | 2,593 |
| Average total loans | $180,629,000 | 2,332 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9359% | 1,652 |
| Cost of funding earning assets | 0.5605% | 3,836 |
| Net interest margin | 4.3754% | 985 |
| Noninterest income to average assets | 0.2569% | 4,215 |
| Noninterest expense to average assets | 2.3392% | 3,895 |
| Loan and lease loss provision to assets | 0.1312% | 1,429 |
| Net operating income to assets | 1.8843% | 500 |
| Return on assets (ROA) | 1.8843% | 522 |
| Pretax return on assets | 1.8843% | 861 |
| Return on Equity (ROE) | 17.9651% | 380 |
| Retained earnings to average equity (ytd only) | 6.9692% | 1,822 |
| Net charge-offs to loans | 0.0747% | 1,621 |
| Credit loss provision to net charge-offs | 250.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 38.3939% | 1,274 |
| Efficiency ratio | 53.7169% | 4,503 |
| Assets per employee ($millions) | 5.6118% | 1,861 |
| Cash dividends to net income (ytd only)* | 61.2073% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 651 |
| Loan loss allowance to noncurrent loans | 185.8575% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.7548% | 1,845 |
| Noncurrent loans to loans | 0.9808% | 1,666 |
| Net loans and leases to total assets | 71.1936% | 2,344 |
| Net loans and leases to deposits | 81.9620% | 2,737 |
| Net loans and leases to core deposits | 92.9256% | 2,333 |
| Total domestic deposits to total assets | 86.8618% | 1,657 |
| Equity capital to assets | 10.7904% | 3,279 |
| Core capital (leverage) ratio | 10.4162% | 3,178 |
| Tier 1 risk-based capital ratio | 13.0164% | 3,828 |
| Total risk-based capital ratio | 14.2713% | 3,730 |
| Memoranda: | ||
| Average total assets | $251,450,670 | 2,482 |
| Average earning assets | $235,499,670 | 2,460 |
| Average equity | $26,373,330 | 2,608 |
| Average total loans | $176,772,330 | 2,384 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8169% | 1,857 |
| Cost of funding earning assets | 0.4984% | 4,067 |
| Net interest margin | 4.3185% | 1,063 |
| Noninterest income to average assets | 0.2662% | 4,098 |
| Noninterest expense to average assets | 2.3897% | 3,791 |
| Loan and lease loss provision to assets | 0.0797% | 2,103 |
| Net operating income to assets | 1.8301% | 533 |
| Return on assets (ROA) | 1.8301% | 550 |
| Pretax return on assets | 1.8301% | 917 |
| Return on Equity (ROE) | 17.7055% | 428 |
| Retained earnings to average equity (ytd only) | 5.3672% | 2,750 |
| Net charge-offs to loans | -0.0023% | 3,878 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5803% | 4,384 |
| Assets per employee ($millions) | 5.5801% | 1,902 |
| Cash dividends to net income (ytd only)* | 69.6864% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9333% | 565 |
| Loan loss allowance to noncurrent loans | 147.4675% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.9164% | 1,529 |
| Noncurrent loans to loans | 1.3110% | 1,251 |
| Net loans and leases to total assets | 66.4589% | 2,981 |
| Net loans and leases to deposits | 75.1344% | 3,343 |
| Net loans and leases to core deposits | 84.3532% | 2,994 |
| Total domestic deposits to total assets | 88.4534% | 1,106 |
| Equity capital to assets | 10.4829% | 3,358 |
| Core capital (leverage) ratio | 10.4302% | 3,132 |
| Tier 1 risk-based capital ratio | 13.4558% | 3,627 |
| Total risk-based capital ratio | 14.7115% | 3,533 |
| Memoranda: | ||
| Average total assets | $250,910,500 | 2,501 |
| Average earning assets | $234,342,500 | 2,496 |
| Average equity | $25,935,500 | 2,648 |
| Average total loans | $173,596,500 | 2,439 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6586% | 1,961 |
| Cost of funding earning assets | 0.4270% | 3,816 |
| Net interest margin | 4.2316% | 1,321 |
| Noninterest income to average assets | 0.2588% | 4,380 |
| Noninterest expense to average assets | 2.4180% | 3,836 |
| Loan and lease loss provision to assets | 0.0827% | 2,476 |
| Net operating income to assets | 1.7366% | 631 |
| Return on assets (ROA) | 1.7366% | 632 |
| Pretax return on assets | 1.7366% | 1,074 |
| Return on Equity (ROE) | 17.0855% | 483 |
| Retained earnings to average equity (ytd only) | 6.3379% | 2,012 |
| Net charge-offs to loans | 0.0512% | 2,422 |
| Credit loss provision to net charge-offs | 227.2727% | 1,300 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 1,136 |
| Efficiency ratio | 57.0648% | 4,277 |
| Assets per employee ($millions) | 5.5715% | 1,894 |
| Cash dividends to net income (ytd only)* | 62.9048% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8297% | 650 |
| Loan loss allowance to noncurrent loans | 149.2627% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.8934% | 1,557 |
| Noncurrent loans to loans | 1.2258% | 1,299 |
| Net loans and leases to total assets | 69.3144% | 2,691 |
| Net loans and leases to deposits | 78.1462% | 3,148 |
| Net loans and leases to core deposits | 87.6338% | 2,777 |
| Total domestic deposits to total assets | 88.6984% | 982 |
| Equity capital to assets | 10.1900% | 3,481 |
| Core capital (leverage) ratio | 10.2263% | 3,328 |
| Tier 1 risk-based capital ratio | 12.8490% | 3,937 |
| Total risk-based capital ratio | 14.1040% | 3,827 |
| Memoranda: | ||
| Average total assets | $241,850,200 | 2,535 |
| Average earning assets | $227,386,200 | 2,500 |
| Average equity | $24,582,200 | 2,671 |
| Average total loans | $171,788,200 | 2,424 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5538% | 2,116 |
| Cost of funding earning assets | 0.4049% | 3,825 |
| Net interest margin | 4.1489% | 1,496 |
| Noninterest income to average assets | 0.2532% | 4,457 |
| Noninterest expense to average assets | 2.3563% | 3,957 |
| Loan and lease loss provision to assets | 0.0695% | 2,580 |
| Net operating income to assets | 1.7382% | 689 |
| Return on assets (ROA) | 1.7382% | 694 |
| Pretax return on assets | 1.7382% | 1,182 |
| Return on Equity (ROE) | 17.1122% | 533 |
| Retained earnings to average equity (ytd only) | 6.3212% | 2,478 |
| Net charge-offs to loans | 0.0016% | 3,441 |
| Credit loss provision to net charge-offs | 6,250.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 1,622.4307% | 43 |
| Efficiency ratio | 56.5874% | 4,304 |
| Assets per employee ($millions) | 5.6090% | 1,815 |
| Cash dividends to net income (ytd only)* | 63.0601% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8147% | 702 |
| Loan loss allowance to noncurrent loans | 135.1351% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 1.0130% | 1,433 |
| Noncurrent loans to loans | 1.3429% | 1,240 |
| Net loans and leases to total assets | 71.2507% | 2,454 |
| Net loans and leases to deposits | 87.9567% | 2,157 |
| Net loans and leases to core deposits | 98.3314% | 1,910 |
| Total domestic deposits to total assets | 81.0066% | 3,868 |
| Equity capital to assets | 10.0306% | 3,609 |
| Core capital (leverage) ratio | 10.3574% | 3,229 |
| Tier 1 risk-based capital ratio | 12.7254% | 4,066 |
| Total risk-based capital ratio | 13.9801% | 3,960 |
| Memoranda: | ||
| Average total assets | $239,633,500 | 2,557 |
| Average earning assets | $225,884,250 | 2,531 |
| Average equity | $24,340,750 | 2,707 |
| Average total loans | $170,479,750 | 2,452 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3928% | 2,445 |
| Cost of funding earning assets | 0.3502% | 4,073 |
| Net interest margin | 4.0426% | 1,718 |
| Noninterest income to average assets | 0.2436% | 4,551 |
| Noninterest expense to average assets | 2.3756% | 3,964 |
| Loan and lease loss provision to assets | 0.0379% | 3,153 |
| Net operating income to assets | 1.6447% | 809 |
| Return on assets (ROA) | 1.6447% | 819 |
| Pretax return on assets | 1.6447% | 1,357 |
| Return on Equity (ROE) | 16.1222% | 647 |
| Retained earnings to average equity (ytd only) | 4.9664% | 3,091 |
| Net charge-offs to loans | 0.0036% | 3,051 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 665.3333% | 124 |
| Efficiency ratio | 58.5376% | 4,151 |
| Assets per employee ($millions) | 5.2295% | 2,165 |
| Cash dividends to net income (ytd only)* | 69.1953% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8531% | 687 |
| Loan loss allowance to noncurrent loans | 127.9370% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 1.0526% | 1,414 |
| Noncurrent loans to loans | 1.4484% | 1,167 |
| Net loans and leases to total assets | 71.3234% | 2,389 |
| Net loans and leases to deposits | 82.7498% | 2,689 |
| Net loans and leases to core deposits | 91.7923% | 2,422 |
| Total domestic deposits to total assets | 86.1916% | 2,193 |
| Equity capital to assets | 10.3821% | 3,235 |
| Core capital (leverage) ratio | 10.4346% | 3,094 |
| Tier 1 risk-based capital ratio | 13.1208% | 3,834 |
| Total risk-based capital ratio | 14.3775% | 3,748 |
| Memoranda: | ||
| Average total assets | $237,246,000 | 2,588 |
| Average earning assets | $223,866,330 | 2,561 |
| Average equity | $24,202,670 | 2,738 |
| Average total loans | $167,608,330 | 2,482 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2990% | 2,513 |
| Cost of funding earning assets | 0.3351% | 4,102 |
| Net interest margin | 3.9639% | 1,833 |
| Noninterest income to average assets | 0.2552% | 4,470 |
| Noninterest expense to average assets | 2.3761% | 4,005 |
| Loan and lease loss provision to assets | 0.0504% | 2,771 |
| Net operating income to assets | 1.5634% | 927 |
| Return on assets (ROA) | 1.5634% | 939 |
| Pretax return on assets | 1.5634% | 1,488 |
| Return on Equity (ROE) | 15.4600% | 716 |
| Retained earnings to average equity (ytd only) | 2.1754% | 4,297 |
| Net charge-offs to loans | 0.0024% | 2,652 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 961.0000% | 61 |
| Efficiency ratio | 59.5539% | 4,122 |
| Assets per employee ($millions) | 5.4457% | 1,991 |
| Cash dividends to net income (ytd only)* | 85.9291% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0033% | 544 |
| Loan loss allowance to noncurrent loans | 172.5533% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.7633% | 2,044 |
| Noncurrent loans to loans | 1.1610% | 1,564 |
| Net loans and leases to total assets | 64.4329% | 3,252 |
| Net loans and leases to deposits | 72.4291% | 3,562 |
| Net loans and leases to core deposits | 80.1540% | 3,310 |
| Total domestic deposits to total assets | 88.9599% | 1,110 |
| Equity capital to assets | 10.0130% | 3,579 |
| Core capital (leverage) ratio | 10.3065% | 3,185 |
| Tier 1 risk-based capital ratio | 13.5372% | 3,636 |
| Total risk-based capital ratio | 14.7943% | 3,545 |
| Memoranda: | ||
| Average total assets | $238,205,000 | 2,600 |
| Average earning assets | $224,424,500 | 2,575 |
| Average equity | $24,088,000 | 2,767 |
| Average total loans | $165,906,000 | 2,516 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 1,815 |
| Cost of funding earning assets | 0.3531% | 3,686 |
| Net interest margin | 4.1162% | 1,381 |
| Noninterest income to average assets | 0.2819% | 4,442 |
| Noninterest expense to average assets | 2.4452% | 3,953 |
| Loan and lease loss provision to assets | 0.0578% | 3,077 |
| Net operating income to assets | 1.5251% | 761 |
| Return on assets (ROA) | 1.5251% | 768 |
| Pretax return on assets | 1.6436% | 1,181 |
| Return on Equity (ROE) | 15.1466% | 588 |
| Retained earnings to average equity (ytd only) | 4.0575% | 2,745 |
| Net charge-offs to loans | 0.0393% | 3,015 |
| Credit loss provision to net charge-offs | 198.5294% | 1,376 |
| Earnings coverage of net charge-offs (x) | 58.4853% | 968 |
| Efficiency ratio | 58.9704% | 4,418 |
| Assets per employee ($millions) | 5.0383% | 2,435 |
| Cash dividends to net income (ytd only)* | 73.2118% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7944% | 786 |
| Loan loss allowance to noncurrent loans | 170.6878% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.7736% | 2,017 |
| Noncurrent loans to loans | 1.0512% | 1,689 |
| Net loans and leases to total assets | 72.2725% | 2,185 |
| Net loans and leases to deposits | 81.4896% | 2,765 |
| Net loans and leases to core deposits | 90.5681% | 2,506 |
| Total domestic deposits to total assets | 88.6892% | 1,154 |
| Equity capital to assets | 10.2128% | 3,481 |
| Core capital (leverage) ratio | 10.4181% | 2,946 |
| Tier 1 risk-based capital ratio | 12.5180% | 4,198 |
| Total risk-based capital ratio | 13.7725% | 4,091 |
| Memoranda: | ||
| Average total assets | $233,760,400 | 2,614 |
| Average earning assets | $219,476,800 | 2,586 |
| Average equity | $23,536,600 | 2,803 |
| Average total loans | $173,180,800 | 2,396 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 1,882 |
| Cost of funding earning assets | 0.3557% | 3,613 |
| Net interest margin | 4.0685% | 1,485 |
| Noninterest income to average assets | 0.2798% | 4,514 |
| Noninterest expense to average assets | 2.3873% | 4,049 |
| Loan and lease loss provision to assets | 0.0773% | 2,531 |
| Net operating income to assets | 1.4792% | 936 |
| Return on assets (ROA) | 1.4792% | 953 |
| Pretax return on assets | 1.6377% | 1,290 |
| Return on Equity (ROE) | 14.7449% | 689 |
| Retained earnings to average equity (ytd only) | 3.2798% | 3,972 |
| Net charge-offs to loans | -0.0193% | 4,840 |
| Credit loss provision to net charge-offs | -540.0000% | 4,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1950% | 4,475 |
| Assets per employee ($millions) | 5.0065% | 2,439 |
| Cash dividends to net income (ytd only)* | 77.7562% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7897% | 869 |
| Loan loss allowance to noncurrent loans | 161.4035% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.8478% | 2,024 |
| Noncurrent loans to loans | 1.1088% | 1,735 |
| Net loans and leases to total assets | 75.0949% | 1,744 |
| Net loans and leases to deposits | 90.5960% | 1,737 |
| Net loans and leases to core deposits | 100.2656% | 1,682 |
| Total domestic deposits to total assets | 82.8899% | 3,490 |
| Equity capital to assets | 10.2195% | 3,676 |
| Core capital (leverage) ratio | 10.2319% | 3,276 |
| Tier 1 risk-based capital ratio | 12.0281% | 4,595 |
| Total risk-based capital ratio | 13.2827% | 4,483 |
| Memoranda: | ||
| Average total assets | $233,000,250 | 2,638 |
| Average earning assets | $218,911,250 | 2,610 |
| Average equity | $23,374,750 | 2,846 |
| Average total loans | $172,908,750 | 2,410 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3349% | 2,020 |
| Cost of funding earning assets | 0.3430% | 3,655 |
| Net interest margin | 3.9919% | 1,630 |
| Noninterest income to average assets | 0.2696% | 4,617 |
| Noninterest expense to average assets | 2.4062% | 4,035 |
| Loan and lease loss provision to assets | 0.1163% | 1,767 |
| Net operating income to assets | 1.2384% | 1,481 |
| Return on assets (ROA) | 1.2384% | 1,511 |
| Pretax return on assets | 1.4959% | 1,654 |
| Return on Equity (ROE) | 12.4230% | 1,183 |
| Retained earnings to average equity (ytd only) | -1.4859% | 5,291 |
| Net charge-offs to loans | -0.0281% | 4,930 |
| Credit loss provision to net charge-offs | -562.5000% | 4,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8800% | 4,334 |
| Assets per employee ($millions) | 4.8891% | 2,527 |
| Cash dividends to net income (ytd only)* | 111.9611% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8477% | 800 |
| Loan loss allowance to noncurrent loans | 195.5650% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.7163% | 2,416 |
| Noncurrent loans to loans | 0.9448% | 2,075 |
| Net loans and leases to total assets | 74.4159% | 1,795 |
| Net loans and leases to deposits | 83.8361% | 2,504 |
| Net loans and leases to core deposits | 93.4589% | 2,202 |
| Total domestic deposits to total assets | 88.7635% | 1,072 |
| Equity capital to assets | 10.1529% | 3,729 |
| Core capital (leverage) ratio | 9.9310% | 3,613 |
| Tier 1 risk-based capital ratio | 11.9331% | 4,674 |
| Total risk-based capital ratio | 13.1881% | 4,569 |
| Memoranda: | ||
| Average total assets | $232,232,000 | 2,660 |
| Average earning assets | $218,091,670 | 2,627 |
| Average equity | $23,150,670 | 2,868 |
| Average total loans | $170,571,000 | 2,436 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1896% | 2,306 |
| Cost of funding earning assets | 0.3536% | 3,489 |
| Net interest margin | 3.8360% | 2,000 |
| Noninterest income to average assets | 0.2582% | 4,686 |
| Noninterest expense to average assets | 2.3650% | 4,210 |
| Loan and lease loss provision to assets | 0.1239% | 1,551 |
| Net operating income to assets | 1.3550% | 1,104 |
| Return on assets (ROA) | 1.3550% | 1,139 |
| Pretax return on assets | 1.3550% | 2,046 |
| Return on Equity (ROE) | 13.7880% | 844 |
| Retained earnings to average equity (ytd only) | -7.2303% | 5,500 |
| Net charge-offs to loans | 0.0055% | 2,781 |
| Credit loss provision to net charge-offs | 3,000.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 358.0000% | 166 |
| Efficiency ratio | 61.5261% | 4,224 |
| Assets per employee ($millions) | 5.0078% | 2,435 |
| Cash dividends to net income (ytd only)* | 152.4390% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8786% | 819 |
| Loan loss allowance to noncurrent loans | 125.1927% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 1.0630% | 1,693 |
| Noncurrent loans to loans | 1.5006% | 1,331 |
| Net loans and leases to total assets | 69.5064% | 2,462 |
| Net loans and leases to deposits | 78.4235% | 2,924 |
| Net loans and leases to core deposits | 89.6642% | 2,382 |
| Total domestic deposits to total assets | 88.6295% | 1,359 |
| Equity capital to assets | 9.6742% | 4,095 |
| Core capital (leverage) ratio | 9.8188% | 3,735 |
| Tier 1 risk-based capital ratio | 12.1054% | 4,649 |
| Total risk-based capital ratio | 13.3607% | 4,543 |
| Memoranda: | ||
| Average total assets | $193,658,500 | 3,051 |
| Average earning assets | $181,020,000 | 3,019 |
| Average equity | $19,031,000 | 3,285 |
| Average total loans | $145,313,000 | 2,751 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5326% | 1,444 |
| Cost of funding earning assets | 0.3790% | 3,216 |
| Net interest margin | 4.1536% | 1,229 |
| Noninterest income to average assets | 0.2947% | 4,632 |
| Noninterest expense to average assets | 2.3012% | 4,555 |
| Loan and lease loss provision to assets | 0.2679% | 753 |
| Net operating income to assets | 1.6161% | 651 |
| Return on assets (ROA) | 1.6274% | 664 |
| Pretax return on assets | 1.6274% | 1,196 |
| Return on Equity (ROE) | 16.9585% | 411 |
| Retained earnings to average equity (ytd only) | 6.7587% | 1,327 |
| Net charge-offs to loans | 0.2838% | 969 |
| Credit loss provision to net charge-offs | 118.9931% | 2,233 |
| Earnings coverage of net charge-offs (x) | 8.3684% | 2,879 |
| Efficiency ratio | 54.9852% | 5,152 |
| Assets per employee ($millions) | 4.9234% | 2,479 |
| Cash dividends to net income (ytd only)* | 60.1456% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6686% | 1,212 |
| Loan loss allowance to noncurrent loans | 138.3234% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.9567% | 1,981 |
| Noncurrent loans to loans | 1.2063% | 1,708 |
| Net loans and leases to total assets | 77.9829% | 1,198 |
| Net loans and leases to deposits | 88.3838% | 1,876 |
| Net loans and leases to core deposits | 101.6289% | 1,475 |
| Total domestic deposits to total assets | 88.2321% | 1,515 |
| Equity capital to assets | 9.9826% | 3,744 |
| Core capital (leverage) ratio | 9.9531% | 3,546 |
| Tier 1 risk-based capital ratio | 11.4822% | 5,068 |
| Total risk-based capital ratio | 12.7353% | 4,968 |
| Memoranda: | ||
| Average total assets | $194,113,600 | 3,021 |
| Average earning assets | $181,816,800 | 2,998 |
| Average equity | $18,627,800 | 3,322 |
| Average total loans | $153,980,800 | 2,594 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4419% | 1,720 |
| Cost of funding earning assets | 0.3677% | 3,355 |
| Net interest margin | 4.0742% | 1,466 |
| Noninterest income to average assets | 0.2898% | 4,698 |
| Noninterest expense to average assets | 2.2489% | 4,649 |
| Loan and lease loss provision to assets | 0.2363% | 822 |
| Net operating income to assets | 1.6303% | 683 |
| Return on assets (ROA) | 1.6454% | 699 |
| Pretax return on assets | 1.6454% | 1,262 |
| Return on Equity (ROE) | 17.3181% | 417 |
| Retained earnings to average equity (ytd only) | 6.5033% | 1,914 |
| Net charge-offs to loans | 0.0043% | 3,768 |
| Credit loss provision to net charge-offs | 6,900.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 544.7136% | 165 |
| Efficiency ratio | 54.6438% | 5,187 |
| Assets per employee ($millions) | 5.1101% | 2,242 |
| Cash dividends to net income (ytd only)* | 62.4479% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7521% | 1,097 |
| Loan loss allowance to noncurrent loans | 197.4594% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.7110% | 2,782 |
| Noncurrent loans to loans | 0.8873% | 2,486 |
| Net loans and leases to total assets | 78.7247% | 1,077 |
| Net loans and leases to deposits | 96.2841% | 1,022 |
| Net loans and leases to core deposits | 113.2639% | 753 |
| Total domestic deposits to total assets | 81.7629% | 4,021 |
| Equity capital to assets | 9.5789% | 4,580 |
| Core capital (leverage) ratio | 9.5294% | 4,140 |
| Tier 1 risk-based capital ratio | 10.8534% | 5,452 |
| Total risk-based capital ratio | 12.1075% | 5,357 |
| Memoranda: | ||
| Average total assets | $194,638,500 | 3,022 |
| Average earning assets | $182,769,500 | 2,999 |
| Average equity | $18,492,750 | 3,367 |
| Average total loans | $154,406,250 | 2,586 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3837% | 1,874 |
| Cost of funding earning assets | 0.3592% | 3,462 |
| Net interest margin | 4.0245% | 1,566 |
| Noninterest income to average assets | 0.2838% | 4,754 |
| Noninterest expense to average assets | 2.2425% | 4,746 |
| Loan and lease loss provision to assets | 0.2486% | 780 |
| Net operating income to assets | 1.5755% | 764 |
| Return on assets (ROA) | 1.5982% | 773 |
| Pretax return on assets | 1.5982% | 1,380 |
| Return on Equity (ROE) | 16.8692% | 452 |
| Retained earnings to average equity (ytd only) | 4.8432% | 2,832 |
| Net charge-offs to loans | -0.0052% | 4,537 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1452% | 5,229 |
| Assets per employee ($millions) | 5.1836% | 2,099 |
| Cash dividends to net income (ytd only)* | 71.2897% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7424% | 1,190 |
| Loan loss allowance to noncurrent loans | 239.7516% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.5876% | 3,263 |
| Noncurrent loans to loans | 0.7267% | 2,916 |
| Net loans and leases to total assets | 79.4468% | 997 |
| Net loans and leases to deposits | 96.3655% | 1,043 |
| Net loans and leases to core deposits | 110.6492% | 893 |
| Total domestic deposits to total assets | 82.4432% | 3,863 |
| Equity capital to assets | 9.7469% | 4,514 |
| Core capital (leverage) ratio | 9.7217% | 3,900 |
| Tier 1 risk-based capital ratio | 10.9296% | 5,458 |
| Total risk-based capital ratio | 12.1842% | 5,383 |
| Memoranda: | ||
| Average total assets | $193,087,330 | 3,059 |
| Average earning assets | $181,490,000 | 3,030 |
| Average equity | $18,293,670 | 3,401 |
| Average total loans | $152,645,000 | 2,618 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3140% | 2,080 |
| Cost of funding earning assets | 0.3589% | 3,511 |
| Net interest margin | 3.9550% | 1,766 |
| Noninterest income to average assets | 0.2829% | 4,691 |
| Noninterest expense to average assets | 2.2588% | 4,761 |
| Loan and lease loss provision to assets | 0.2478% | 712 |
| Net operating income to assets | 1.4845% | 886 |
| Return on assets (ROA) | 1.4845% | 926 |
| Pretax return on assets | 1.4845% | 1,645 |
| Return on Equity (ROE) | 15.8952% | 546 |
| Retained earnings to average equity (ytd only) | -0.6853% | 5,235 |
| Net charge-offs to loans | -0.0079% | 4,442 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5960% | 5,136 |
| Assets per employee ($millions) | 5.2024% | 2,141 |
| Cash dividends to net income (ytd only)* | 104.3115% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7022% | 1,366 |
| Loan loss allowance to noncurrent loans | 500.1938% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2681% | 4,485 |
| Noncurrent loans to loans | 0.3403% | 4,218 |
| Net loans and leases to total assets | 77.4322% | 1,182 |
| Net loans and leases to deposits | 93.7450% | 1,170 |
| Net loans and leases to core deposits | 105.4297% | 1,114 |
| Total domestic deposits to total assets | 82.5988% | 4,037 |
| Equity capital to assets | 9.4162% | 4,755 |
| Core capital (leverage) ratio | 9.4469% | 4,282 |
| Tier 1 risk-based capital ratio | 10.7488% | 5,643 |
| Total risk-based capital ratio | 12.0020% | 5,541 |
| Memoranda: | ||
| Average total assets | $193,733,500 | 3,061 |
| Average earning assets | $181,642,500 | 3,032 |
| Average equity | $18,093,500 | 3,423 |
| Average total loans | $151,429,000 | 2,625 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3207% | 2,146 |
| Cost of funding earning assets | 0.3753% | 3,423 |
| Net interest margin | 3.9454% | 1,890 |
| Noninterest income to average assets | 0.2984% | 4,753 |
| Noninterest expense to average assets | 2.3112% | 4,754 |
| Loan and lease loss provision to assets | 0.2275% | 886 |
| Net operating income to assets | 1.4685% | 917 |
| Return on assets (ROA) | 1.4722% | 944 |
| Pretax return on assets | 1.4722% | 1,643 |
| Return on Equity (ROE) | 15.9856% | 554 |
| Retained earnings to average equity (ytd only) | 6.7952% | 1,379 |
| Net charge-offs to loans | -0.0501% | 5,553 |
| Credit loss provision to net charge-offs | -589.0411% | 5,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6766% | 5,176 |
| Assets per employee ($millions) | 5.2697% | 2,042 |
| Cash dividends to net income (ytd only)* | 57.4919% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 1,540 |
| Loan loss allowance to noncurrent loans | 469.9809% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 4,521 |
| Noncurrent loans to loans | 0.3458% | 4,228 |
| Net loans and leases to total assets | 76.3012% | 1,363 |
| Net loans and leases to deposits | 90.7872% | 1,531 |
| Net loans and leases to core deposits | 104.8443% | 1,176 |
| Total domestic deposits to total assets | 84.0440% | 3,461 |
| Equity capital to assets | 9.2635% | 4,828 |
| Core capital (leverage) ratio | 9.2832% | 4,501 |
| Tier 1 risk-based capital ratio | 10.8469% | 5,602 |
| Total risk-based capital ratio | 12.0997% | 5,506 |
| Memoranda: | ||
| Average total assets | $189,038,200 | 3,065 |
| Average earning assets | $177,701,000 | 3,021 |
| Average equity | $17,409,400 | 3,475 |
| Average total loans | $145,582,400 | 2,656 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2776% | 2,309 |
| Cost of funding earning assets | 0.3730% | 3,510 |
| Net interest margin | 3.9046% | 2,019 |
| Noninterest income to average assets | 0.2979% | 4,810 |
| Noninterest expense to average assets | 2.2542% | 4,898 |
| Loan and lease loss provision to assets | 0.2581% | 651 |
| Net operating income to assets | 1.4616% | 991 |
| Return on assets (ROA) | 1.4666% | 1,015 |
| Pretax return on assets | 1.4666% | 1,775 |
| Return on Equity (ROE) | 15.9490% | 599 |
| Retained earnings to average equity (ytd only) | 6.2853% | 2,070 |
| Net charge-offs to loans | -0.0620% | 5,614 |
| Credit loss provision to net charge-offs | -541.7910% | 5,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7263% | 5,254 |
| Assets per employee ($millions) | 5.2754% | 1,974 |
| Cash dividends to net income (ytd only)* | 60.5915% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5625% | 1,924 |
| Loan loss allowance to noncurrent loans | 431.8841% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 4,638 |
| Noncurrent loans to loans | 0.3618% | 4,315 |
| Net loans and leases to total assets | 76.9441% | 1,256 |
| Net loans and leases to deposits | 94.2687% | 1,174 |
| Net loans and leases to core deposits | 111.9244% | 769 |
| Total domestic deposits to total assets | 81.6221% | 4,284 |
| Equity capital to assets | 9.0829% | 5,228 |
| Core capital (leverage) ratio | 9.0963% | 4,889 |
| Tier 1 risk-based capital ratio | 10.1750% | 5,990 |
| Total risk-based capital ratio | 11.4266% | 5,932 |
| Memoranda: | ||
| Average total assets | $187,552,750 | 3,109 |
| Average earning assets | $176,573,500 | 3,058 |
| Average equity | $17,246,250 | 3,523 |
| Average total loans | $144,170,500 | 2,693 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 2,557 |
| Cost of funding earning assets | 0.3630% | 3,667 |
| Net interest margin | 3.8307% | 2,202 |
| Noninterest income to average assets | 0.3092% | 4,742 |
| Noninterest expense to average assets | 2.2594% | 4,951 |
| Loan and lease loss provision to assets | 0.1546% | 1,375 |
| Net operating income to assets | 1.5005% | 896 |
| Return on assets (ROA) | 1.5048% | 933 |
| Pretax return on assets | 1.5048% | 1,639 |
| Return on Equity (ROE) | 16.2947% | 577 |
| Retained earnings to average equity (ytd only) | 5.1740% | 2,745 |
| Net charge-offs to loans | -0.0835% | 5,720 |
| Credit loss provision to net charge-offs | -242.3729% | 5,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7189% | 5,254 |
| Assets per employee ($millions) | 5.5079% | 1,730 |
| Cash dividends to net income (ytd only)* | 68.2471% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 2,414 |
| Loan loss allowance to noncurrent loans | 428.8270% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2686% | 4,788 |
| Noncurrent loans to loans | 0.3427% | 4,459 |
| Net loans and leases to total assets | 77.2282% | 1,173 |
| Net loans and leases to deposits | 94.5749% | 1,092 |
| Net loans and leases to core deposits | 105.3827% | 1,102 |
| Total domestic deposits to total assets | 81.6583% | 4,403 |
| Equity capital to assets | 9.2365% | 4,972 |
| Core capital (leverage) ratio | 9.4031% | 4,412 |
| Tier 1 risk-based capital ratio | 10.3343% | 5,980 |
| Total risk-based capital ratio | 11.5847% | 5,924 |
| Memoranda: | ||
| Average total assets | $185,006,670 | 3,164 |
| Average earning assets | $174,119,670 | 3,107 |
| Average equity | $17,085,330 | 3,557 |
| Average total loans | $141,370,000 | 2,736 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1212% | 2,748 |
| Cost of funding earning assets | 0.3616% | 3,735 |
| Net interest margin | 3.7596% | 2,396 |
| Noninterest income to average assets | 0.3133% | 4,688 |
| Noninterest expense to average assets | 2.2493% | 5,008 |
| Loan and lease loss provision to assets | 0.1479% | 1,372 |
| Net operating income to assets | 1.4444% | 952 |
| Return on assets (ROA) | 1.4531% | 993 |
| Pretax return on assets | 1.4531% | 1,715 |
| Return on Equity (ROE) | 15.7366% | 599 |
| Retained earnings to average equity (ytd only) | 1.6019% | 4,836 |
| Net charge-offs to loans | -0.0173% | 4,978 |
| Credit loss provision to net charge-offs | -1,133.3333% | 5,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5504% | 5,272 |
| Assets per employee ($millions) | 5.1796% | 2,137 |
| Cash dividends to net income (ytd only)* | 89.8204% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 2,371 |
| Loan loss allowance to noncurrent loans | 4,718.6047% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 5,842 |
| Noncurrent loans to loans | 0.0322% | 5,665 |
| Net loans and leases to total assets | 74.6918% | 1,402 |
| Net loans and leases to deposits | 86.6668% | 1,757 |
| Net loans and leases to core deposits | 93.7053% | 1,793 |
| Total domestic deposits to total assets | 86.1827% | 2,837 |
| Equity capital to assets | 9.7130% | 4,489 |
| Core capital (leverage) ratio | 9.3729% | 4,468 |
| Tier 1 risk-based capital ratio | 11.3254% | 5,648 |
| Total risk-based capital ratio | 12.5763% | 5,555 |
| Memoranda: | ||
| Average total assets | $183,876,500 | 3,191 |
| Average earning assets | $172,570,000 | 3,144 |
| Average equity | $16,979,500 | 3,592 |
| Average total loans | $138,665,000 | 2,769 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2514% | 2,770 |
| Cost of funding earning assets | 0.3850% | 3,847 |
| Net interest margin | 3.8665% | 2,373 |
| Noninterest income to average assets | 0.3253% | 4,793 |
| Noninterest expense to average assets | 2.3298% | 5,022 |
| Loan and lease loss provision to assets | 0.0930% | 2,609 |
| Net operating income to assets | 1.5490% | 794 |
| Return on assets (ROA) | 1.5556% | 816 |
| Pretax return on assets | 1.5556% | 1,370 |
| Return on Equity (ROE) | 17.9881% | 396 |
| Retained earnings to average equity (ytd only) | 8.8202% | 740 |
| Net charge-offs to loans | -0.0097% | 5,552 |
| Credit loss provision to net charge-offs | -1,307.6923% | 5,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6591% | 5,384 |
| Assets per employee ($millions) | 5.3236% | 1,935 |
| Cash dividends to net income (ytd only)* | 50.9666% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 3,135 |
| Loan loss allowance to noncurrent loans | 4,546.5116% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 5,956 |
| Noncurrent loans to loans | 0.0299% | 5,769 |
| Net loans and leases to total assets | 73.9950% | 1,584 |
| Net loans and leases to deposits | 92.3609% | 1,251 |
| Net loans and leases to core deposits | 100.8785% | 1,329 |
| Total domestic deposits to total assets | 80.1151% | 4,986 |
| Equity capital to assets | 8.7942% | 5,496 |
| Core capital (leverage) ratio | 8.8459% | 5,194 |
| Tier 1 risk-based capital ratio | 10.6187% | 6,054 |
| Total risk-based capital ratio | 11.8686% | 5,997 |
| Memoranda: | ||
| Average total assets | $182,889,000 | 3,177 |
| Average earning assets | $172,482,800 | 3,127 |
| Average equity | $15,816,000 | 3,703 |
| Average total loans | $134,351,200 | 2,784 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2186% | 2,926 |
| Cost of funding earning assets | 0.3863% | 3,940 |
| Net interest margin | 3.8323% | 2,503 |
| Noninterest income to average assets | 0.3261% | 4,825 |
| Noninterest expense to average assets | 2.3405% | 4,997 |
| Loan and lease loss provision to assets | 0.0812% | 2,725 |
| Net operating income to assets | 1.5281% | 882 |
| Return on assets (ROA) | 1.5384% | 898 |
| Pretax return on assets | 1.5384% | 1,514 |
| Return on Equity (ROE) | 17.8699% | 456 |
| Retained earnings to average equity (ytd only) | 7.7993% | 1,451 |
| Net charge-offs to loans | -0.0253% | 5,685 |
| Credit loss provision to net charge-offs | -440.0000% | 5,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2565% | 5,282 |
| Assets per employee ($millions) | 5.2143% | 1,998 |
| Cash dividends to net income (ytd only)* | 56.3550% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 3,505 |
| Loan loss allowance to noncurrent loans | 1,589.1667% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 5,884 |
| Noncurrent loans to loans | 0.0836% | 5,697 |
| Net loans and leases to total assets | 73.4266% | 1,609 |
| Net loans and leases to deposits | 93.0371% | 1,128 |
| Net loans and leases to core deposits | 101.7314% | 1,230 |
| Total domestic deposits to total assets | 78.9219% | 5,344 |
| Equity capital to assets | 8.4865% | 5,808 |
| Core capital (leverage) ratio | 8.6728% | 5,477 |
| Tier 1 risk-based capital ratio | 10.2839% | 6,270 |
| Total risk-based capital ratio | 11.5002% | 6,250 |
| Memoranda: | ||
| Average total assets | $180,699,250 | 3,227 |
| Average earning assets | $170,860,000 | 3,171 |
| Average equity | $15,556,500 | 3,760 |
| Average total loans | $131,997,750 | 2,831 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1997% | 2,952 |
| Cost of funding earning assets | 0.3925% | 3,957 |
| Net interest margin | 3.8073% | 2,546 |
| Noninterest income to average assets | 0.3273% | 4,797 |
| Noninterest expense to average assets | 2.3836% | 4,926 |
| Loan and lease loss provision to assets | 0.0906% | 2,515 |
| Net operating income to assets | 1.4562% | 953 |
| Return on assets (ROA) | 1.4562% | 995 |
| Pretax return on assets | 1.4562% | 1,691 |
| Return on Equity (ROE) | 16.8277% | 571 |
| Retained earnings to average equity (ytd only) | 5.7052% | 2,511 |
| Net charge-offs to loans | -0.0265% | 5,639 |
| Credit loss provision to net charge-offs | -470.5882% | 5,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6453% | 5,202 |
| Assets per employee ($millions) | 4.8153% | 2,451 |
| Cash dividends to net income (ytd only)* | 66.0964% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 3,190 |
| Loan loss allowance to noncurrent loans | 1,280.1370% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 5,870 |
| Noncurrent loans to loans | 0.1118% | 5,681 |
| Net loans and leases to total assets | 72.2433% | 1,695 |
| Net loans and leases to deposits | 87.1455% | 1,692 |
| Net loans and leases to core deposits | 94.7925% | 1,702 |
| Total domestic deposits to total assets | 82.8997% | 4,343 |
| Equity capital to assets | 8.9091% | 5,396 |
| Core capital (leverage) ratio | 8.9629% | 5,077 |
| Tier 1 risk-based capital ratio | 10.9817% | 6,057 |
| Total risk-based capital ratio | 12.2321% | 6,003 |
| Memoranda: | ||
| Average total assets | $176,622,330 | 3,286 |
| Average earning assets | $167,154,000 | 3,233 |
| Average equity | $15,284,330 | 3,805 |
| Average total loans | $128,140,670 | 2,898 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0733% | 3,385 |
| Cost of funding earning assets | 0.4016% | 3,950 |
| Net interest margin | 3.6718% | 2,986 |
| Noninterest income to average assets | 0.3094% | 4,891 |
| Noninterest expense to average assets | 2.3770% | 4,991 |
| Loan and lease loss provision to assets | 0.1024% | 2,215 |
| Net operating income to assets | 1.3034% | 1,202 |
| Return on assets (ROA) | 1.3034% | 1,249 |
| Pretax return on assets | 1.3034% | 2,079 |
| Return on Equity (ROE) | 15.2902% | 735 |
| Retained earnings to average equity (ytd only) | -0.7205% | 5,682 |
| Net charge-offs to loans | -0.0473% | 5,781 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8382% | 5,018 |
| Assets per employee ($millions) | 4.7230% | 2,631 |
| Cash dividends to net income (ytd only)* | 104.7120% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 3,178 |
| Loan loss allowance to noncurrent loans | 1,539.4958% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0801% | 6,012 |
| Noncurrent loans to loans | 0.0968% | 5,837 |
| Net loans and leases to total assets | 69.3016% | 2,014 |
| Net loans and leases to deposits | 76.9592% | 2,685 |
| Net loans and leases to core deposits | 82.9175% | 2,650 |
| Total domestic deposits to total assets | 90.0499% | 1,050 |
| Equity capital to assets | 8.6483% | 5,496 |
| Core capital (leverage) ratio | 8.6896% | 5,396 |
| Tier 1 risk-based capital ratio | 11.2998% | 6,017 |
| Total risk-based capital ratio | 12.5513% | 5,965 |
| Memoranda: | ||
| Average total assets | $175,850,500 | 3,320 |
| Average earning assets | $166,351,000 | 3,262 |
| Average equity | $14,990,000 | 3,863 |
| Average total loans | $126,920,000 | 2,924 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2612% | 3,103 |
| Cost of funding earning assets | 0.4394% | 4,223 |
| Net interest margin | 3.8218% | 2,566 |
| Noninterest income to average assets | 0.3342% | 4,944 |
| Noninterest expense to average assets | 2.2615% | 5,475 |
| Loan and lease loss provision to assets | 0.0637% | 3,858 |
| Net operating income to assets | 1.6104% | 676 |
| Return on assets (ROA) | 1.6156% | 685 |
| Pretax return on assets | 1.6017% | 1,162 |
| Return on Equity (ROE) | 19.3230% | 321 |
| Retained earnings to average equity (ytd only) | 9.6234% | 644 |
| Net charge-offs to loans | 0.0459% | 4,577 |
| Credit loss provision to net charge-offs | 189.6552% | 1,205 |
| Earnings coverage of net charge-offs (x) | 49.4138% | 800 |
| Efficiency ratio | 57.6662% | 5,773 |
| Assets per employee ($millions) | 5.0557% | 2,122 |
| Cash dividends to net income (ytd only)* | 50.1972% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 3,874 |
| Loan loss allowance to noncurrent loans | 2,331.5789% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 6,203 |
| Noncurrent loans to loans | 0.0581% | 6,059 |
| Net loans and leases to total assets | 72.9758% | 1,522 |
| Net loans and leases to deposits | 81.6049% | 2,234 |
| Net loans and leases to core deposits | 88.8823% | 2,146 |
| Total domestic deposits to total assets | 89.4258% | 1,374 |
| Equity capital to assets | 8.4019% | 5,692 |
| Core capital (leverage) ratio | 8.7137% | 5,403 |
| Tier 1 risk-based capital ratio | 10.7152% | 6,299 |
| Total risk-based capital ratio | 11.9633% | 6,246 |
| Memoranda: | ||
| Average total assets | $172,627,200 | 3,372 |
| Average earning assets | $162,043,400 | 3,314 |
| Average equity | $14,433,600 | 3,982 |
| Average total loans | $126,482,200 | 2,909 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 3,189 |
| Cost of funding earning assets | 0.4421% | 4,360 |
| Net interest margin | 3.8111% | 2,604 |
| Noninterest income to average assets | 0.3404% | 4,970 |
| Noninterest expense to average assets | 2.2361% | 5,517 |
| Loan and lease loss provision to assets | 0.0700% | 3,663 |
| Net operating income to assets | 1.6291% | 711 |
| Return on assets (ROA) | 1.6361% | 747 |
| Pretax return on assets | 1.6190% | 1,298 |
| Return on Equity (ROE) | 19.5920% | 331 |
| Retained earnings to average equity (ytd only) | 9.5866% | 886 |
| Net charge-offs to loans | -0.0021% | 5,688 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0720% | 5,794 |
| Assets per employee ($millions) | 5.1946% | 1,943 |
| Cash dividends to net income (ytd only)* | 51.0689% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 3,928 |
| Loan loss allowance to noncurrent loans | 1,759.2233% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 6,227 |
| Noncurrent loans to loans | 0.0791% | 6,097 |
| Net loans and leases to total assets | 72.6579% | 1,508 |
| Net loans and leases to deposits | 83.4935% | 1,944 |
| Net loans and leases to core deposits | 94.5716% | 1,516 |
| Total domestic deposits to total assets | 87.0223% | 2,680 |
| Equity capital to assets | 8.2670% | 5,939 |
| Core capital (leverage) ratio | 8.6347% | 5,618 |
| Tier 1 risk-based capital ratio | 10.5538% | 6,437 |
| Total risk-based capital ratio | 11.8042% | 6,411 |
| Memoranda: | ||
| Average total assets | $171,546,750 | 3,417 |
| Average earning assets | $161,035,000 | 3,353 |
| Average equity | $14,325,250 | 4,056 |
| Average total loans | $125,377,250 | 2,954 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2174% | 3,295 |
| Cost of funding earning assets | 0.4423% | 4,517 |
| Net interest margin | 3.7750% | 2,657 |
| Noninterest income to average assets | 0.3415% | 4,954 |
| Noninterest expense to average assets | 2.2372% | 5,533 |
| Loan and lease loss provision to assets | 0.0471% | 4,033 |
| Net operating income to assets | 1.6202% | 720 |
| Return on assets (ROA) | 1.6331% | 768 |
| Pretax return on assets | 1.6072% | 1,353 |
| Return on Equity (ROE) | 19.4895% | 347 |
| Retained earnings to average equity (ytd only) | 8.9508% | 1,137 |
| Net charge-offs to loans | -0.0016% | 5,518 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6806% | 5,781 |
| Assets per employee ($millions) | 4.9550% | 2,162 |
| Cash dividends to net income (ytd only)* | 54.0735% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 3,937 |
| Loan loss allowance to noncurrent loans | 912.4352% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 6,144 |
| Noncurrent loans to loans | 0.1558% | 5,934 |
| Net loans and leases to total assets | 72.4662% | 1,492 |
| Net loans and leases to deposits | 87.1785% | 1,442 |
| Net loans and leases to core deposits | 93.1029% | 1,601 |
| Total domestic deposits to total assets | 83.1239% | 4,653 |
| Equity capital to assets | 8.2793% | 5,989 |
| Core capital (leverage) ratio | 8.8190% | 5,263 |
| Tier 1 risk-based capital ratio | 10.9183% | 6,368 |
| Total risk-based capital ratio | 12.1692% | 6,340 |
| Memoranda: | ||
| Average total assets | $169,856,330 | 3,461 |
| Average earning assets | $159,152,000 | 3,411 |
| Average equity | $14,233,330 | 4,103 |
| Average total loans | $123,790,000 | 2,992 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2519% | 3,095 |
| Cost of funding earning assets | 0.4488% | 4,608 |
| Net interest margin | 3.8031% | 2,441 |
| Noninterest income to average assets | 0.3354% | 5,015 |
| Noninterest expense to average assets | 2.1624% | 5,776 |
| Loan and lease loss provision to assets | 0.0704% | 3,455 |
| Net operating income to assets | 1.5714% | 748 |
| Return on assets (ROA) | 1.5714% | 809 |
| Pretax return on assets | 1.6605% | 1,168 |
| Return on Equity (ROE) | 18.6422% | 389 |
| Retained earnings to average equity (ytd only) | 7.5125% | 1,936 |
| Net charge-offs to loans | 0.0032% | 4,105 |
| Credit loss provision to net charge-offs | 3,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 738.0000% | 36 |
| Efficiency ratio | 55.5422% | 6,105 |
| Assets per employee ($millions) | 4.8662% | 2,400 |
| Cash dividends to net income (ytd only)* | 59.7015% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5117% | 3,773 |
| Loan loss allowance to noncurrent loans | 1,388.0952% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 6,366 |
| Noncurrent loans to loans | 0.1089% | 6,158 |
| Net loans and leases to total assets | 68.8704% | 1,867 |
| Net loans and leases to deposits | 76.7685% | 2,516 |
| Net loans and leases to core deposits | 80.7378% | 2,720 |
| Total domestic deposits to total assets | 89.7117% | 1,225 |
| Equity capital to assets | 8.7501% | 5,761 |
| Core capital (leverage) ratio | 8.4909% | 5,609 |
| Tier 1 risk-based capital ratio | 11.1928% | 6,317 |
| Total risk-based capital ratio | 12.4444% | 6,295 |
| Memoranda: | ||
| Average total assets | $170,550,000 | 3,484 |
| Average earning assets | $159,554,000 | 3,439 |
| Average equity | $14,376,000 | 4,123 |
| Average total loans | $123,763,000 | 3,018 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6736% | 2,693 |
| Cost of funding earning assets | 0.5458% | 4,853 |
| Net interest margin | 4.1278% | 1,893 |
| Noninterest income to average assets | 0.3673% | 4,847 |
| Noninterest expense to average assets | 2.3394% | 5,594 |
| Loan and lease loss provision to assets | 0.1341% | 3,950 |
| Net operating income to assets | 1.6251% | 724 |
| Return on assets (ROA) | 1.6465% | 767 |
| Pretax return on assets | 1.7613% | 996 |
| Return on Equity (ROE) | 20.4303% | 284 |
| Retained earnings to average equity (ytd only) | 16.5609% | 104 |
| Net charge-offs to loans | -0.0415% | 6,672 |
| Credit loss provision to net charge-offs | -447.9167% | 6,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5457% | 6,117 |
| Assets per employee ($millions) | 5.1662% | 2,026 |
| Cash dividends to net income (ytd only)* | 18.9394% | 3,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 4,609 |
| Loan loss allowance to noncurrent loans | 1,154.3624% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 6,381 |
| Noncurrent loans to loans | 0.1130% | 6,205 |
| Net loans and leases to total assets | 74.0740% | 1,188 |
| Net loans and leases to deposits | 95.0659% | 676 |
| Net loans and leases to core deposits | 98.3923% | 1,121 |
| Total domestic deposits to total assets | 77.9186% | 6,097 |
| Equity capital to assets | 8.1270% | 6,339 |
| Core capital (leverage) ratio | 8.4707% | 5,658 |
| Tier 1 risk-based capital ratio | 9.8092% | 6,748 |
| Total risk-based capital ratio | 11.0296% | 6,725 |
| Memoranda: | ||
| Average total assets | $160,338,200 | 3,623 |
| Average earning assets | $149,328,000 | 3,568 |
| Average equity | $12,922,000 | 4,374 |
| Average total loans | $115,645,000 | 3,172 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6996% | 2,808 |
| Cost of funding earning assets | 0.5742% | 4,876 |
| Net interest margin | 4.1254% | 2,002 |
| Noninterest income to average assets | 0.3791% | 4,789 |
| Noninterest expense to average assets | 2.3597% | 5,515 |
| Loan and lease loss provision to assets | 0.1491% | 3,673 |
| Net operating income to assets | 1.6028% | 837 |
| Return on assets (ROA) | 1.6356% | 865 |
| Pretax return on assets | 1.7489% | 1,160 |
| Return on Equity (ROE) | 20.3432% | 316 |
| Retained earnings to average equity (ytd only) | 15.0455% | 234 |
| Net charge-offs to loans | -0.0335% | 6,603 |
| Credit loss provision to net charge-offs | -625.0000% | 6,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8806% | 6,070 |
| Assets per employee ($millions) | 4.7728% | 2,502 |
| Cash dividends to net income (ytd only)* | 26.0416% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 4,571 |
| Loan loss allowance to noncurrent loans | 205.4455% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.6279% | 5,098 |
| Noncurrent loans to loans | 0.6578% | 5,131 |
| Net loans and leases to total assets | 74.6709% | 1,150 |
| Net loans and leases to deposits | 87.9831% | 1,353 |
| Net loans and leases to core deposits | 98.3539% | 1,238 |
| Total domestic deposits to total assets | 84.8696% | 3,804 |
| Equity capital to assets | 8.3062% | 6,415 |
| Core capital (leverage) ratio | 7.9615% | 6,359 |
| Tier 1 risk-based capital ratio | 9.8883% | 6,820 |
| Total risk-based capital ratio | 11.1383% | 6,808 |
| Memoranda: | ||
| Average total assets | $156,510,250 | 3,711 |
| Average earning assets | $145,824,000 | 3,665 |
| Average equity | $12,583,750 | 4,483 |
| Average total loans | $111,598,500 | 3,285 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5759% | 3,452 |
| Cost of funding earning assets | 0.5895% | 4,990 |
| Net interest margin | 3.9864% | 2,566 |
| Noninterest income to average assets | 0.3817% | 4,783 |
| Noninterest expense to average assets | 2.3831% | 5,514 |
| Loan and lease loss provision to assets | 0.1553% | 3,577 |
| Net operating income to assets | 1.4519% | 1,080 |
| Return on assets (ROA) | 1.5253% | 1,074 |
| Pretax return on assets | 1.6314% | 1,453 |
| Return on Equity (ROE) | 19.1936% | 403 |
| Retained earnings to average equity (ytd only) | 13.4958% | 393 |
| Net charge-offs to loans | -0.0389% | 6,600 |
| Credit loss provision to net charge-offs | -571.4286% | 6,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2543% | 5,838 |
| Assets per employee ($millions) | 4.6909% | 2,580 |
| Cash dividends to net income (ytd only)* | 29.6862% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 4,698 |
| Loan loss allowance to noncurrent loans | 171.8280% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.7154% | 5,008 |
| Noncurrent loans to loans | 0.7808% | 4,943 |
| Net loans and leases to total assets | 73.6784% | 1,299 |
| Net loans and leases to deposits | 90.7539% | 1,074 |
| Net loans and leases to core deposits | 96.6142% | 1,386 |
| Total domestic deposits to total assets | 81.1849% | 5,401 |
| Equity capital to assets | 8.0175% | 6,555 |
| Core capital (leverage) ratio | 8.0193% | 6,252 |
| Tier 1 risk-based capital ratio | 9.6460% | 6,899 |
| Total risk-based capital ratio | 10.8877% | 6,892 |
| Memoranda: | ||
| Average total assets | $154,588,330 | 3,757 |
| Average earning assets | $143,840,670 | 3,723 |
| Average equity | $12,285,330 | 4,545 |
| Average total loans | $107,853,670 | 3,384 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 4,171 |
| Cost of funding earning assets | 0.6399% | 4,823 |
| Net interest margin | 3.7965% | 3,407 |
| Noninterest income to average assets | 0.3996% | 4,674 |
| Noninterest expense to average assets | 2.3978% | 5,478 |
| Loan and lease loss provision to assets | 0.1578% | 3,407 |
| Net operating income to assets | 1.2668% | 1,549 |
| Return on assets (ROA) | 1.4355% | 1,293 |
| Pretax return on assets | 1.5354% | 1,783 |
| Return on Equity (ROE) | 18.1478% | 534 |
| Retained earnings to average equity (ytd only) | 9.8384% | 1,308 |
| Net charge-offs to loans | -0.0078% | 5,880 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3315% | 5,395 |
| Assets per employee ($millions) | 4.5872% | 2,833 |
| Cash dividends to net income (ytd only)* | 45.7875% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 4,202 |
| Loan loss allowance to noncurrent loans | 143.5728% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.6784% | 5,200 |
| Noncurrent loans to loans | 1.0386% | 4,611 |
| Net loans and leases to total assets | 64.3409% | 2,798 |
| Net loans and leases to deposits | 71.3960% | 3,527 |
| Net loans and leases to core deposits | 73.6708% | 3,935 |
| Total domestic deposits to total assets | 90.1184% | 1,017 |
| Equity capital to assets | 7.7748% | 6,642 |
| Core capital (leverage) ratio | 7.6674% | 6,513 |
| Tier 1 risk-based capital ratio | 10.3742% | 6,771 |
| Total risk-based capital ratio | 11.6255% | 6,769 |
| Memoranda: | ||
| Average total assets | $152,138,000 | 3,835 |
| Average earning assets | $140,655,500 | 3,799 |
| Average equity | $12,034,500 | 4,605 |
| Average total loans | $102,227,000 | 3,534 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0336% | 2,742 |
| Cost of funding earning assets | 0.8648% | 4,357 |
| Net interest margin | 4.1688% | 2,162 |
| Noninterest income to average assets | 0.4132% | 4,503 |
| Noninterest expense to average assets | 2.6258% | 4,997 |
| Loan and lease loss provision to assets | 0.1595% | 4,631 |
| Net operating income to assets | 1.3926% | 1,042 |
| Return on assets (ROA) | 1.3926% | 1,128 |
| Pretax return on assets | 1.4898% | 1,506 |
| Return on Equity (ROE) | 16.8900% | 484 |
| Retained earnings to average equity (ytd only) | 5.4600% | 2,330 |
| Net charge-offs to loans | 0.1308% | 5,101 |
| Credit loss provision to net charge-offs | 169.2308% | 1,590 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,271 |
| Efficiency ratio | 61.4211% | 5,547 |
| Assets per employee ($millions) | 4.3621% | 3,140 |
| Cash dividends to net income (ytd only)* | 67.6731% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 4,369 |
| Loan loss allowance to noncurrent loans | 138.3666% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.7100% | 5,220 |
| Noncurrent loans to loans | 1.0265% | 4,658 |
| Net loans and leases to total assets | 68.1869% | 2,355 |
| Net loans and leases to deposits | 78.6505% | 2,736 |
| Net loans and leases to core deposits | 81.4478% | 3,256 |
| Total domestic deposits to total assets | 86.6961% | 2,917 |
| Equity capital to assets | 8.0527% | 6,535 |
| Core capital (leverage) ratio | 8.0011% | 6,269 |
| Tier 1 risk-based capital ratio | 10.3802% | 6,739 |
| Total risk-based capital ratio | 11.6310% | 6,715 |
| Memoranda: | ||
| Average total assets | $137,939,400 | 4,014 |
| Average earning assets | $127,781,600 | 3,978 |
| Average equity | $11,373,600 | 4,690 |
| Average total loans | $99,379,000 | 3,636 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0833% | 2,689 |
| Cost of funding earning assets | 0.9196% | 4,277 |
| Net interest margin | 4.1637% | 2,228 |
| Noninterest income to average assets | 0.4305% | 4,433 |
| Noninterest expense to average assets | 2.6253% | 4,989 |
| Loan and lease loss provision to assets | 0.1576% | 4,497 |
| Net operating income to assets | 1.4048% | 1,140 |
| Return on assets (ROA) | 1.4048% | 1,218 |
| Pretax return on assets | 1.5102% | 1,625 |
| Return on Equity (ROE) | 16.9286% | 574 |
| Retained earnings to average equity (ytd only) | 4.4636% | 3,544 |
| Net charge-offs to loans | 0.1001% | 4,986 |
| Credit loss provision to net charge-offs | 216.2162% | 1,327 |
| Earnings coverage of net charge-offs (x) | 22.8794% | 1,136 |
| Efficiency ratio | 61.1519% | 5,539 |
| Assets per employee ($millions) | 4.1345% | 3,577 |
| Cash dividends to net income (ytd only)* | 73.6326% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 4,307 |
| Loan loss allowance to noncurrent loans | 109.5777% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.9433% | 4,867 |
| Noncurrent loans to loans | 1.3295% | 4,310 |
| Net loans and leases to total assets | 69.9143% | 2,101 |
| Net loans and leases to deposits | 82.4538% | 2,272 |
| Net loans and leases to core deposits | 85.5658% | 2,836 |
| Total domestic deposits to total assets | 84.7921% | 3,874 |
| Equity capital to assets | 8.3075% | 6,476 |
| Core capital (leverage) ratio | 8.2572% | 6,042 |
| Tier 1 risk-based capital ratio | 10.4259% | 6,807 |
| Total risk-based capital ratio | 11.6771% | 6,788 |
| Memoranda: | ||
| Average total assets | $135,346,750 | 4,091 |
| Average earning assets | $125,559,250 | 4,048 |
| Average equity | $11,231,250 | 4,749 |
| Average total loans | $98,577,500 | 3,681 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 2,985 |
| Cost of funding earning assets | 0.9653% | 4,210 |
| Net interest margin | 4.0718% | 2,524 |
| Noninterest income to average assets | 0.4341% | 4,396 |
| Noninterest expense to average assets | 2.6511% | 5,004 |
| Loan and lease loss provision to assets | 0.1497% | 4,441 |
| Net operating income to assets | 1.3278% | 1,253 |
| Return on assets (ROA) | 1.3278% | 1,331 |
| Pretax return on assets | 1.4281% | 1,731 |
| Return on Equity (ROE) | 16.0075% | 671 |
| Retained earnings to average equity (ytd only) | 1.5701% | 5,198 |
| Net charge-offs to loans | -0.0061% | 6,613 |
| Credit loss provision to net charge-offs | -3,333.3333% | 6,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6903% | 5,459 |
| Assets per employee ($millions) | 4.0282% | 3,696 |
| Cash dividends to net income (ytd only)* | 90.1917% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 3,882 |
| Loan loss allowance to noncurrent loans | 120.3931% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.8952% | 5,079 |
| Noncurrent loans to loans | 1.2912% | 4,505 |
| Net loans and leases to total assets | 67.9707% | 2,621 |
| Net loans and leases to deposits | 79.6060% | 2,865 |
| Net loans and leases to core deposits | 82.4969% | 3,431 |
| Total domestic deposits to total assets | 85.3839% | 3,683 |
| Equity capital to assets | 8.2645% | 6,456 |
| Core capital (leverage) ratio | 8.0297% | 6,264 |
| Tier 1 risk-based capital ratio | 10.7385% | 6,691 |
| Total risk-based capital ratio | 11.9911% | 6,674 |
| Memoranda: | ||
| Average total assets | $133,605,000 | 4,153 |
| Average earning assets | $124,515,000 | 4,108 |
| Average equity | $11,082,330 | 4,786 |
| Average total loans | $98,192,330 | 3,739 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1076% | 2,609 |
| Cost of funding earning assets | 1.0130% | 4,106 |
| Net interest margin | 4.0945% | 2,287 |
| Noninterest income to average assets | 0.4214% | 4,526 |
| Noninterest expense to average assets | 2.6681% | 4,968 |
| Loan and lease loss provision to assets | 0.1819% | 3,797 |
| Net operating income to assets | 1.2734% | 1,338 |
| Return on assets (ROA) | 1.2734% | 1,386 |
| Pretax return on assets | 1.3704% | 1,813 |
| Return on Equity (ROE) | 15.3229% | 773 |
| Retained earnings to average equity (ytd only) | -6.5669% | 6,643 |
| Net charge-offs to loans | -0.0160% | 6,501 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2184% | 5,485 |
| Assets per employee ($millions) | 4.2817% | 3,275 |
| Cash dividends to net income (ytd only)* | 142.8571% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 4,110 |
| Loan loss allowance to noncurrent loans | 111.7096% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.9386% | 5,011 |
| Noncurrent loans to loans | 1.3606% | 4,438 |
| Net loans and leases to total assets | 67.6695% | 2,624 |
| Net loans and leases to deposits | 78.9072% | 2,911 |
| Net loans and leases to core deposits | 81.7558% | 3,486 |
| Total domestic deposits to total assets | 85.7583% | 3,662 |
| Equity capital to assets | 7.9328% | 6,562 |
| Core capital (leverage) ratio | 8.0693% | 6,162 |
| Tier 1 risk-based capital ratio | 10.4564% | 6,829 |
| Total risk-based capital ratio | 11.7080% | 6,817 |
| Memoranda: | ||
| Average total assets | $131,928,000 | 4,213 |
| Average earning assets | $122,407,000 | 4,175 |
| Average equity | $10,964,000 | 4,807 |
| Average total loans | $100,007,500 | 3,719 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8045% | 1,269 |
| Cost of funding earning assets | 1.2408% | 4,279 |
| Net interest margin | 4.5637% | 1,097 |
| Noninterest income to average assets | 0.4946% | 4,208 |
| Noninterest expense to average assets | 2.8064% | 4,582 |
| Loan and lease loss provision to assets | 0.2622% | 4,695 |
| Net operating income to assets | 1.5517% | 686 |
| Return on assets (ROA) | 1.5517% | 748 |
| Pretax return on assets | 1.6638% | 1,012 |
| Return on Equity (ROE) | 18.2555% | 361 |
| Retained earnings to average equity (ytd only) | 8.7623% | 765 |
| Net charge-offs to loans | 0.2701% | 4,677 |
| Credit loss provision to net charge-offs | 118.1818% | 3,607 |
| Earnings coverage of net charge-offs (x) | 8.6800% | 1,937 |
| Efficiency ratio | 59.3009% | 6,147 |
| Assets per employee ($millions) | 3.9638% | 3,861 |
| Cash dividends to net income (ytd only)* | 52.0021% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 5,051 |
| Loan loss allowance to noncurrent loans | 113.1623% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.9595% | 5,092 |
| Noncurrent loans to loans | 1.1410% | 4,830 |
| Net loans and leases to total assets | 82.3861% | 418 |
| Net loans and leases to deposits | 96.6117% | 809 |
| Net loans and leases to core deposits | 100.8084% | 1,551 |
| Total domestic deposits to total assets | 85.2755% | 3,724 |
| Equity capital to assets | 8.7187% | 5,554 |
| Core capital (leverage) ratio | 8.6383% | 5,128 |
| Tier 1 risk-based capital ratio | 9.9742% | 6,993 |
| Total risk-based capital ratio | 11.2176% | 6,987 |
| Memoranda: | ||
| Average total assets | $123,932,200 | 4,403 |
| Average earning assets | $115,082,600 | 4,342 |
| Average equity | $10,533,800 | 4,980 |
| Average total loans | $101,828,200 | 3,745 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7625% | 1,503 |
| Cost of funding earning assets | 1.2904% | 4,287 |
| Net interest margin | 4.4721% | 1,321 |
| Noninterest income to average assets | 0.4751% | 4,378 |
| Noninterest expense to average assets | 2.7531% | 4,672 |
| Loan and lease loss provision to assets | 0.2543% | 4,548 |
| Net operating income to assets | 1.5086% | 910 |
| Return on assets (ROA) | 1.5086% | 990 |
| Pretax return on assets | 1.6157% | 1,307 |
| Return on Equity (ROE) | 17.8671% | 491 |
| Retained earnings to average equity (ytd only) | 7.6134% | 1,553 |
| Net charge-offs to loans | 0.2420% | 4,489 |
| Credit loss provision to net charge-offs | 128.4153% | 3,163 |
| Earnings coverage of net charge-offs (x) | 9.4428% | 2,024 |
| Efficiency ratio | 59.5506% | 6,019 |
| Assets per employee ($millions) | 3.7803% | 4,318 |
| Cash dividends to net income (ytd only)* | 57.3888% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 4,903 |
| Loan loss allowance to noncurrent loans | 274.8996% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 6,405 |
| Noncurrent loans to loans | 0.4766% | 6,239 |
| Net loans and leases to total assets | 82.6575% | 433 |
| Net loans and leases to deposits | 97.6764% | 820 |
| Net loans and leases to core deposits | 101.8450% | 1,670 |
| Total domestic deposits to total assets | 84.6238% | 3,817 |
| Equity capital to assets | 8.6965% | 6,021 |
| Core capital (leverage) ratio | 8.5714% | 5,387 |
| Tier 1 risk-based capital ratio | 9.8032% | 7,158 |
| Total risk-based capital ratio | 11.0530% | 7,144 |
| Memoranda: | ||
| Average total assets | $123,204,500 | 4,472 |
| Average earning assets | $114,276,500 | 4,421 |
| Average equity | $10,402,500 | 5,085 |
| Average total loans | $100,818,250 | 3,838 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6987% | 1,770 |
| Cost of funding earning assets | 1.3331% | 4,307 |
| Net interest margin | 4.3656% | 1,549 |
| Noninterest income to average assets | 0.4825% | 4,261 |
| Noninterest expense to average assets | 2.7729% | 4,603 |
| Loan and lease loss provision to assets | 0.2201% | 4,693 |
| Net operating income to assets | 1.4329% | 1,028 |
| Return on assets (ROA) | 1.4329% | 1,103 |
| Pretax return on assets | 1.5307% | 1,476 |
| Return on Equity (ROE) | 17.1451% | 554 |
| Retained earnings to average equity (ytd only) | 4.4667% | 3,223 |
| Net charge-offs to loans | 0.1847% | 4,507 |
| Credit loss provision to net charge-offs | 146.7391% | 2,692 |
| Earnings coverage of net charge-offs (x) | 11.6739% | 1,746 |
| Efficiency ratio | 61.2973% | 5,812 |
| Assets per employee ($millions) | 3.7112% | 4,440 |
| Cash dividends to net income (ytd only)* | 73.9477% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 4,693 |
| Loan loss allowance to noncurrent loans | 225.5390% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.5005% | 6,210 |
| Noncurrent loans to loans | 0.5971% | 6,047 |
| Net loans and leases to total assets | 81.3448% | 623 |
| Net loans and leases to deposits | 93.5761% | 1,329 |
| Net loans and leases to core deposits | 97.1335% | 2,315 |
| Total domestic deposits to total assets | 86.9290% | 2,567 |
| Equity capital to assets | 8.5401% | 6,116 |
| Core capital (leverage) ratio | 8.2763% | 5,812 |
| Tier 1 risk-based capital ratio | 9.6833% | 7,188 |
| Total risk-based capital ratio | 10.9335% | 7,181 |
| Memoranda: | ||
| Average total assets | $122,689,000 | 4,512 |
| Average earning assets | $113,570,670 | 4,459 |
| Average equity | $10,253,670 | 5,127 |
| Average total loans | $99,596,000 | 3,912 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5844% | 2,225 |
| Cost of funding earning assets | 1.3483% | 4,510 |
| Net interest margin | 4.2361% | 1,906 |
| Noninterest income to average assets | 0.4007% | 4,915 |
| Noninterest expense to average assets | 2.7101% | 4,860 |
| Loan and lease loss provision to assets | 0.1238% | 5,338 |
| Net operating income to assets | 1.3811% | 1,121 |
| Return on assets (ROA) | 1.3811% | 1,196 |
| Pretax return on assets | 1.4658% | 1,605 |
| Return on Equity (ROE) | 16.7077% | 634 |
| Retained earnings to average equity (ytd only) | -2.9948% | 6,362 |
| Net charge-offs to loans | -0.0647% | 7,422 |
| Credit loss provision to net charge-offs | -237.5000% | 6,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0303% | 5,656 |
| Assets per employee ($millions) | 3.6252% | 4,756 |
| Cash dividends to net income (ytd only)* | 117.9245% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 4,174 |
| Loan loss allowance to noncurrent loans | 165.1023% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.8334% | 5,491 |
| Noncurrent loans to loans | 0.8771% | 5,559 |
| Net loans and leases to total assets | 78.0523% | 1,148 |
| Net loans and leases to deposits | 91.0824% | 1,745 |
| Net loans and leases to core deposits | 94.3248% | 2,799 |
| Total domestic deposits to total assets | 85.6942% | 3,317 |
| Equity capital to assets | 8.4619% | 6,059 |
| Core capital (leverage) ratio | 8.2696% | 5,800 |
| Tier 1 risk-based capital ratio | 9.8819% | 7,105 |
| Total risk-based capital ratio | 11.1334% | 7,099 |
| Memoranda: | ||
| Average total assets | $122,798,500 | 4,562 |
| Average earning assets | $113,029,000 | 4,540 |
| Average equity | $10,151,000 | 5,197 |
| Average total loans | $98,902,500 | 3,991 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8465% | 2,453 |
| Cost of funding earning assets | 1.6018% | 5,012 |
| Net interest margin | 4.2447% | 1,916 |
| Noninterest income to average assets | 0.4165% | 5,074 |
| Noninterest expense to average assets | 2.8856% | 4,587 |
| Loan and lease loss provision to assets | 0.2680% | 5,268 |
| Net operating income to assets | 1.0944% | 1,528 |
| Return on assets (ROA) | 1.0944% | 1,572 |
| Pretax return on assets | 1.1768% | 2,017 |
| Return on Equity (ROE) | 13.5287% | 864 |
| Retained earnings to average equity (ytd only) | 4.5265% | 2,083 |
| Net charge-offs to loans | 0.1927% | 5,440 |
| Credit loss provision to net charge-offs | 174.7312% | 2,405 |
| Earnings coverage of net charge-offs (x) | 9.4194% | 1,802 |
| Efficiency ratio | 66.6349% | 5,261 |
| Assets per employee ($millions) | 3.8172% | 4,241 |
| Cash dividends to net income (ytd only)* | 66.5411% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 4,883 |
| Loan loss allowance to noncurrent loans | 164.2145% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.7796% | 5,549 |
| Noncurrent loans to loans | 0.7782% | 5,713 |
| Net loans and leases to total assets | 80.7688% | 870 |
| Net loans and leases to deposits | 99.0855% | 990 |
| Net loans and leases to core deposits | 110.0044% | 2,896 |
| Total domestic deposits to total assets | 81.5142% | 5,147 |
| Equity capital to assets | 8.0807% | 6,489 |
| Core capital (leverage) ratio | 8.3559% | 5,528 |
| Tier 1 risk-based capital ratio | 9.4030% | 7,278 |
| Total risk-based capital ratio | 10.6363% | 7,270 |
| Memoranda: | ||
| Average total assets | $121,256,400 | 4,529 |
| Average earning assets | $111,811,000 | 4,516 |
| Average equity | $9,808,800 | 5,352 |
| Average total loans | $96,512,800 | 4,049 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8440% | 2,687 |
| Cost of funding earning assets | 1.6661% | 5,079 |
| Net interest margin | 4.1779% | 2,126 |
| Noninterest income to average assets | 0.4164% | 5,162 |
| Noninterest expense to average assets | 2.9147% | 4,389 |
| Loan and lease loss provision to assets | 0.2942% | 4,619 |
| Net operating income to assets | 0.9993% | 2,059 |
| Return on assets (ROA) | 0.9993% | 2,121 |
| Pretax return on assets | 1.0748% | 2,655 |
| Return on Equity (ROE) | 12.3501% | 1,279 |
| Retained earnings to average equity (ytd only) | 2.2916% | 4,047 |
| Net charge-offs to loans | 0.0815% | 5,863 |
| Credit loss provision to net charge-offs | 456.8966% | 859 |
| Earnings coverage of net charge-offs (x) | 21.2590% | 1,207 |
| Efficiency ratio | 68.0404% | 4,965 |
| Assets per employee ($millions) | 3.6373% | 4,585 |
| Cash dividends to net income (ytd only)* | 81.4445% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 3,934 |
| Loan loss allowance to noncurrent loans | 73.1257% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.5863% | 3,978 |
| Noncurrent loans to loans | 1.9168% | 3,748 |
| Net loans and leases to total assets | 81.1690% | 951 |
| Net loans and leases to deposits | 97.9796% | 1,332 |
| Net loans and leases to core deposits | 109.5349% | 3,289 |
| Total domestic deposits to total assets | 82.8428% | 4,307 |
| Equity capital to assets | 8.2512% | 6,558 |
| Core capital (leverage) ratio | 8.2791% | 5,873 |
| Tier 1 risk-based capital ratio | 9.5386% | 7,343 |
| Total risk-based capital ratio | 10.7900% | 7,305 |
| Memoranda: | ||
| Average total assets | $120,078,750 | 4,593 |
| Average earning assets | $111,154,500 | 4,551 |
| Average equity | $9,716,250 | 5,424 |
| Average total loans | $94,876,250 | 4,124 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7673% | 3,206 |
| Cost of funding earning assets | 1.7009% | 5,269 |
| Net interest margin | 4.0664% | 2,444 |
| Noninterest income to average assets | 0.4230% | 5,098 |
| Noninterest expense to average assets | 2.9393% | 4,336 |
| Loan and lease loss provision to assets | 0.2581% | 4,514 |
| Net operating income to assets | 0.9259% | 2,362 |
| Return on assets (ROA) | 0.9259% | 2,454 |
| Pretax return on assets | 0.9959% | 3,029 |
| Return on Equity (ROE) | 11.5189% | 1,556 |
| Retained earnings to average equity (ytd only) | -0.9737% | 5,477 |
| Net charge-offs to loans | -0.1753% | 8,018 |
| Credit loss provision to net charge-offs | -189.0244% | 6,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0953% | 4,761 |
| Assets per employee ($millions) | 3.7266% | 4,266 |
| Cash dividends to net income (ytd only)* | 108.4532% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 3,148 |
| Loan loss allowance to noncurrent loans | 67.8332% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.7576% | 3,541 |
| Noncurrent loans to loans | 2.2221% | 3,230 |
| Net loans and leases to total assets | 77.5350% | 1,852 |
| Net loans and leases to deposits | 88.4533% | 3,097 |
| Net loans and leases to core deposits | 98.1237% | 4,687 |
| Total domestic deposits to total assets | 87.6564% | 1,948 |
| Equity capital to assets | 8.1089% | 6,621 |
| Core capital (leverage) ratio | 7.9294% | 6,442 |
| Tier 1 risk-based capital ratio | 9.5520% | 7,347 |
| Total risk-based capital ratio | 10.8043% | 7,303 |
| Memoranda: | ||
| Average total assets | $120,094,670 | 4,633 |
| Average earning assets | $111,351,670 | 4,594 |
| Average equity | $9,653,670 | 5,472 |
| Average total loans | $93,564,000 | 4,185 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6944% | 3,834 |
| Cost of funding earning assets | 1.7262% | 5,484 |
| Net interest margin | 3.9682% | 2,783 |
| Noninterest income to average assets | 0.4348% | 4,920 |
| Noninterest expense to average assets | 2.7581% | 4,744 |
| Loan and lease loss provision to assets | 0.2987% | 3,556 |
| Net operating income to assets | 0.9824% | 2,388 |
| Return on assets (ROA) | 0.9824% | 2,518 |
| Pretax return on assets | 1.0555% | 3,160 |
| Return on Equity (ROE) | 12.2752% | 1,579 |
| Retained earnings to average equity (ytd only) | -8.4599% | 6,958 |
| Net charge-offs to loans | -0.1199% | 7,926 |
| Credit loss provision to net charge-offs | -321.4286% | 6,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0702% | 5,132 |
| Assets per employee ($millions) | 1.8780% | 7,978 |
| Cash dividends to net income (ytd only)* | 168.9189% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4650% | 3,167 |
| Loan loss allowance to noncurrent loans | 54.0450% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 2.0034% | 2,901 |
| Noncurrent loans to loans | 2.7108% | 2,423 |
| Net loans and leases to total assets | 72.5211% | 3,116 |
| Net loans and leases to deposits | 82.1925% | 4,253 |
| Net loans and leases to core deposits | 90.9201% | 5,462 |
| Total domestic deposits to total assets | 88.2332% | 1,627 |
| Equity capital to assets | 7.9347% | 6,911 |
| Core capital (leverage) ratio | 7.8453% | 6,700 |
| Tier 1 risk-based capital ratio | 9.9893% | 6,937 |
| Total risk-based capital ratio | 11.2410% | 6,836 |
| Memoranda: | ||
| Average total assets | $120,516,000 | 4,640 |
| Average earning assets | $111,689,000 | 4,590 |
| Average equity | $9,645,500 | 5,494 |
| Average total loans | $93,407,500 | 4,224 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7024% | 2,018 |
| Cost of funding earning assets | 2.5162% | 4,110 |
| Net interest margin | 4.1862% | 2,364 |
| Noninterest income to average assets | 0.4692% | 4,884 |
| Noninterest expense to average assets | 2.8080% | 4,789 |
| Loan and lease loss provision to assets | 0.2160% | 4,725 |
| Net operating income to assets | 1.2174% | 1,720 |
| Return on assets (ROA) | 1.2174% | 1,666 |
| Pretax return on assets | 1.3090% | 2,281 |
| Return on Equity (ROE) | 15.5594% | 842 |
| Retained earnings to average equity (ytd only) | 5.8638% | 1,587 |
| Net charge-offs to loans | 0.3139% | 3,288 |
| Credit loss provision to net charge-offs | 88.0282% | 5,721 |
| Earnings coverage of net charge-offs (x) | 6.2148% | 3,414 |
| Efficiency ratio | 64.8056% | 5,368 |
| Assets per employee ($millions) | 3.6618% | 4,261 |
| Cash dividends to net income (ytd only)* | 62.3137% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 4,550 |
| Loan loss allowance to noncurrent loans | 48.7987% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 2.0060% | 2,452 |
| Noncurrent loans to loans | 2.4544% | 2,231 |
| Net loans and leases to total assets | 80.4176% | 1,570 |
| Net loans and leases to deposits | 94.3767% | 2,699 |
| Net loans and leases to core deposits | 104.9655% | 4,299 |
| Total domestic deposits to total assets | 85.2091% | 2,745 |
| Equity capital to assets | 8.0720% | 6,742 |
| Core capital (leverage) ratio | 8.2357% | 6,089 |
| Tier 1 risk-based capital ratio | 9.3638% | 7,444 |
| Total risk-based capital ratio | 10.5132% | 7,491 |
| Memoranda: | ||
| Average total assets | $115,740,600 | 4,614 |
| Average earning assets | $106,828,200 | 4,598 |
| Average equity | $9,055,600 | 5,726 |
| Average total loans | $90,480,600 | 4,211 |