Home > UNICO Bank > Performance and Condition Ratios
UNICO Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2061% | 1,646 |
| Cost of funding earning assets | 1.6090% | 1,667 |
| Net interest margin | 3.5971% | 1,975 |
| Noninterest income to average assets | 0.8800% | 794 |
| Noninterest expense to average assets | 3.4615% | 602 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 0.5622% | 3,533 |
| Return on assets (ROA) | 0.5687% | 3,506 |
| Pretax return on assets | 0.5687% | 3,691 |
| Return on Equity (ROE) | 7.6200% | 3,120 |
| Retained earnings to average equity (ytd only) | 0.8312% | 3,872 |
| Net charge-offs to loans | 0.0926% | 959 |
| Credit loss provision to net charge-offs | 279.5580% | 1,001 |
| Earnings coverage of net charge-offs (x) | 10.2928% | 2,246 |
| Efficiency ratio | 80.8417% | 863 |
| Assets per employee ($millions) | 3.5883% | 4,277 |
| Cash dividends to net income (ytd only)* | 89.0957% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6886% | 4,146 |
| Loan loss allowance to noncurrent loans | 73.1409% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.8149% | 624 |
| Noncurrent loans to loans | 0.9414% | 793 |
| Net loans and leases to total assets | 85.0100% | 208 |
| Net loans and leases to deposits | 93.7001% | 960 |
| Net loans and leases to core deposits | 100.6682% | 1,392 |
| Total domestic deposits to total assets | 90.7300% | 574 |
| Equity capital to assets | 7.4885% | 3,722 |
| Core capital (leverage) ratio | 8.1556% | 4,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2019% | 2,788 |
| Memoranda: | ||
| Average total assets | $462,806,200 | 1,817 |
| Average earning assets | $436,181,800 | 1,787 |
| Average equity | $34,526,400 | 2,073 |
| Average total loans | $390,844,600 | 1,499 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0382% | 1,758 |
| Cost of funding earning assets | 1.4456% | 1,744 |
| Net interest margin | 3.5925% | 2,027 |
| Noninterest income to average assets | 0.8500% | 852 |
| Noninterest expense to average assets | 3.4453% | 589 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 0.5778% | 3,602 |
| Return on assets (ROA) | 0.5827% | 3,574 |
| Pretax return on assets | 0.5827% | 3,765 |
| Return on Equity (ROE) | 7.8200% | 3,233 |
| Retained earnings to average equity (ytd only) | -0.1597% | 4,172 |
| Net charge-offs to loans | 0.0462% | 1,227 |
| Credit loss provision to net charge-offs | 477.6119% | 660 |
| Earnings coverage of net charge-offs (x) | 20.4925% | 1,806 |
| Efficiency ratio | 80.9198% | 808 |
| Assets per employee ($millions) | 3.4058% | 4,339 |
| Cash dividends to net income (ytd only)* | 102.0429% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6686% | 4,184 |
| Loan loss allowance to noncurrent loans | 78.0702% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.7330% | 768 |
| Noncurrent loans to loans | 0.8564% | 967 |
| Net loans and leases to total assets | 85.0200% | 213 |
| Net loans and leases to deposits | 94.6667% | 850 |
| Net loans and leases to core deposits | 102.1394% | 1,205 |
| Total domestic deposits to total assets | 89.8100% | 987 |
| Equity capital to assets | 7.2331% | 3,496 |
| Core capital (leverage) ratio | 8.2193% | 4,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2302% | 2,779 |
| Memoranda: | ||
| Average total assets | $459,198,000 | 1,827 |
| Average earning assets | $433,110,000 | 1,791 |
| Average equity | $34,223,500 | 2,071 |
| Average total loans | $386,424,500 | 1,509 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8514% | 1,881 |
| Cost of funding earning assets | 1.2677% | 1,797 |
| Net interest margin | 3.5837% | 2,074 |
| Noninterest income to average assets | 0.8400% | 788 |
| Noninterest expense to average assets | 3.3499% | 648 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 0.6209% | 3,529 |
| Return on assets (ROA) | 0.6262% | 3,526 |
| Pretax return on assets | 0.6262% | 3,746 |
| Return on Equity (ROE) | 8.3200% | 3,157 |
| Retained earnings to average equity (ytd only) | 0.4072% | 4,002 |
| Net charge-offs to loans | 0.0597% | 948 |
| Credit loss provision to net charge-offs | 429.8246% | 704 |
| Earnings coverage of net charge-offs (x) | 17.5088% | 1,799 |
| Efficiency ratio | 79.0172% | 912 |
| Assets per employee ($millions) | 3.2886% | 4,389 |
| Cash dividends to net income (ytd only)* | 95.1049% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6465% | 4,248 |
| Loan loss allowance to noncurrent loans | 75.5727% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.7353% | 694 |
| Noncurrent loans to loans | 0.8554% | 891 |
| Net loans and leases to total assets | 85.4000% | 183 |
| Net loans and leases to deposits | 93.9110% | 876 |
| Net loans and leases to core deposits | 101.8603% | 1,141 |
| Total domestic deposits to total assets | 90.9300% | 674 |
| Equity capital to assets | 7.5732% | 3,483 |
| Core capital (leverage) ratio | 8.4243% | 4,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3912% | 2,781 |
| Memoranda: | ||
| Average total assets | $456,734,333 | 1,839 |
| Average earning assets | $431,172,000 | 1,804 |
| Average equity | $34,381,667 | 2,082 |
| Average total loans | $382,115,000 | 1,505 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6856% | 1,886 |
| Cost of funding earning assets | 1.1262% | 1,677 |
| Net interest margin | 3.5594% | 2,224 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 3.4047% | 595 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 0.4801% | 3,946 |
| Return on assets (ROA) | 0.4810% | 3,903 |
| Pretax return on assets | 0.4810% | 4,020 |
| Return on Equity (ROE) | 6.4100% | 3,642 |
| Retained earnings to average equity (ytd only) | 0.6187% | 3,923 |
| Net charge-offs to loans | 0.1030% | 589 |
| Credit loss provision to net charge-offs | 215.4639% | 795 |
| Earnings coverage of net charge-offs (x) | 9.0206% | 1,702 |
| Efficiency ratio | 81.3275% | 750 |
| Assets per employee ($millions) | 3.3505% | 4,444 |
| Cash dividends to net income (ytd only)* | 90.3461% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5963% | 4,363 |
| Loan loss allowance to noncurrent loans | 67.5074% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 0.7495% | 646 |
| Noncurrent loans to loans | 0.8833% | 855 |
| Net loans and leases to total assets | 83.2300% | 285 |
| Net loans and leases to deposits | 90.4268% | 1,017 |
| Net loans and leases to core deposits | 97.6522% | 1,198 |
| Total domestic deposits to total assets | 92.0400% | 502 |
| Equity capital to assets | 7.6192% | 3,497 |
| Core capital (leverage) ratio | 8.3229% | 4,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8603% | 2,767 |
| Memoranda: | ||
| Average total assets | $456,546,000 | 1,861 |
| Average earning assets | $431,194,000 | 1,831 |
| Average equity | $34,263,500 | 2,103 |
| Average total loans | $376,724,500 | 1,535 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2498% | 1,158 |
| Cost of funding earning assets | 0.5699% | 1,019 |
| Net interest margin | 3.6799% | 1,424 |
| Noninterest income to average assets | 0.8100% | 982 |
| Noninterest expense to average assets | 3.3812% | 559 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8926% | 2,993 |
| Return on assets (ROA) | 0.8926% | 2,926 |
| Pretax return on assets | 0.8926% | 3,379 |
| Return on Equity (ROE) | 11.2400% | 2,397 |
| Retained earnings to average equity (ytd only) | 4.5838% | 3,210 |
| Net charge-offs to loans | 0.0633% | 1,017 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 17.6923% | 1,946 |
| Efficiency ratio | 78.8099% | 799 |
| Assets per employee ($millions) | 3.2908% | 4,491 |
| Cash dividends to net income (ytd only)* | 59.2072% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5816% | 4,356 |
| Loan loss allowance to noncurrent loans | 63.5989% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 0.7479% | 630 |
| Noncurrent loans to loans | 0.9144% | 812 |
| Net loans and leases to total assets | 80.8400% | 513 |
| Net loans and leases to deposits | 87.5546% | 1,205 |
| Net loans and leases to core deposits | 93.4306% | 1,322 |
| Total domestic deposits to total assets | 92.3300% | 554 |
| Equity capital to assets | 7.3911% | 3,447 |
| Core capital (leverage) ratio | 8.4953% | 4,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5321% | 2,858 |
| Memoranda: | ||
| Average total assets | $438,036,400 | 1,892 |
| Average earning assets | $411,971,400 | 1,874 |
| Average equity | $34,796,800 | 2,119 |
| Average total loans | $349,074,800 | 1,547 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1751% | 934 |
| Cost of funding earning assets | 0.4809% | 836 |
| Net interest margin | 3.6943% | 1,152 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 3.3373% | 566 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9735% | 2,576 |
| Return on assets (ROA) | 0.9723% | 2,551 |
| Pretax return on assets | 0.9723% | 3,102 |
| Return on Equity (ROE) | 12.0200% | 2,023 |
| Retained earnings to average equity (ytd only) | 3.9569% | 3,458 |
| Net charge-offs to loans | 0.0462% | 1,024 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 26.5798% | 1,583 |
| Efficiency ratio | 77.1169% | 991 |
| Assets per employee ($millions) | 3.1923% | 4,541 |
| Cash dividends to net income (ytd only)* | 67.0782% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6068% | 4,374 |
| Loan loss allowance to noncurrent loans | 76.8839% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.6864% | 757 |
| Noncurrent loans to loans | 0.7892% | 1,019 |
| Net loans and leases to total assets | 84.2200% | 227 |
| Net loans and leases to deposits | 93.8997% | 642 |
| Net loans and leases to core deposits | 97.6964% | 915 |
| Total domestic deposits to total assets | 89.6900% | 1,789 |
| Equity capital to assets | 7.4212% | 3,263 |
| Core capital (leverage) ratio | 8.6948% | 3,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5580% | 2,929 |
| Memoranda: | ||
| Average total assets | $433,189,000 | 1,919 |
| Average earning assets | $407,033,250 | 1,902 |
| Average equity | $35,043,750 | 2,140 |
| Average total loans | $343,359,750 | 1,558 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0550% | 851 |
| Cost of funding earning assets | 0.4711% | 621 |
| Net interest margin | 3.5839% | 1,095 |
| Noninterest income to average assets | 0.8567% | 928 |
| Noninterest expense to average assets | 3.2391% | 594 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9839% | 2,212 |
| Return on assets (ROA) | 0.9816% | 2,199 |
| Pretax return on assets | 0.9816% | 2,791 |
| Return on Equity (ROE) | 11.8010% | 1,723 |
| Retained earnings to average equity (ytd only) | 3.4108% | 3,306 |
| Net charge-offs to loans | 0.0162% | 1,427 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 78.4815% | 943 |
| Efficiency ratio | 76.3936% | 1,234 |
| Assets per employee ($millions) | 3.1540% | 4,609 |
| Cash dividends to net income (ytd only)* | 71.0974% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6699% | 4,385 |
| Loan loss allowance to noncurrent loans | 82.7598% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.6772% | 808 |
| Noncurrent loans to loans | 0.8094% | 1,062 |
| Net loans and leases to total assets | 81.4788% | 316 |
| Net loans and leases to deposits | 88.7959% | 786 |
| Net loans and leases to core deposits | 92.0924% | 1,015 |
| Total domestic deposits to total assets | 91.7597% | 943 |
| Equity capital to assets | 7.9384% | 3,167 |
| Core capital (leverage) ratio | 8.4844% | 3,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1179% | 2,782 |
| Memoranda: | ||
| Average total assets | $430,740,000 | 1,935 |
| Average earning assets | $404,582,333 | 1,926 |
| Average equity | $35,827,333 | 2,166 |
| Average total loans | $333,389,000 | 1,586 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9179% | 894 |
| Cost of funding earning assets | 0.4820% | 546 |
| Net interest margin | 3.4359% | 1,219 |
| Noninterest income to average assets | 0.8396% | 952 |
| Noninterest expense to average assets | 3.0044% | 809 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0722% | 1,613 |
| Return on assets (ROA) | 1.0731% | 1,603 |
| Pretax return on assets | 1.0731% | 2,224 |
| Return on Equity (ROE) | 12.6159% | 1,127 |
| Retained earnings to average equity (ytd only) | 6.0138% | 2,250 |
| Net charge-offs to loans | 0.0469% | 822 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 30.4474% | 1,123 |
| Efficiency ratio | 73.3803% | 1,810 |
| Assets per employee ($millions) | 3.2276% | 4,621 |
| Cash dividends to net income (ytd only)* | 52.3316% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7185% | 4,357 |
| Loan loss allowance to noncurrent loans | 87.0824% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.6172% | 966 |
| Noncurrent loans to loans | 0.8251% | 1,140 |
| Net loans and leases to total assets | 73.8487% | 671 |
| Net loans and leases to deposits | 80.5792% | 1,101 |
| Net loans and leases to core deposits | 84.5842% | 1,216 |
| Total domestic deposits to total assets | 91.6473% | 727 |
| Equity capital to assets | 8.0962% | 3,496 |
| Core capital (leverage) ratio | 8.6567% | 3,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5582% | 2,391 |
| Memoranda: | ||
| Average total assets | $431,639,000 | 1,945 |
| Average earning assets | $406,649,500 | 1,929 |
| Average equity | $36,715,500 | 2,188 |
| Average total loans | $324,156,500 | 1,604 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7193% | 408 |
| Cost of funding earning assets | 0.6281% | 473 |
| Net interest margin | 4.0912% | 610 |
| Noninterest income to average assets | 0.8571% | 1,310 |
| Noninterest expense to average assets | 3.3640% | 578 |
| Loan and lease loss provision to assets | 0.1658% | 706 |
| Net operating income to assets | 1.1595% | 2,065 |
| Return on assets (ROA) | 1.1632% | 2,108 |
| Pretax return on assets | 1.1632% | 2,780 |
| Return on Equity (ROE) | 14.0639% | 1,169 |
| Retained earnings to average equity (ytd only) | 7.9060% | 1,579 |
| Net charge-offs to loans | 0.1178% | 765 |
| Credit loss provision to net charge-offs | 179.7297% | 1,369 |
| Earnings coverage of net charge-offs (x) | 14.3676% | 2,031 |
| Efficiency ratio | 71.4354% | 1,569 |
| Assets per employee ($millions) | 3.0748% | 4,676 |
| Cash dividends to net income (ytd only)* | 43.7848% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7408% | 4,362 |
| Loan loss allowance to noncurrent loans | 77.2521% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 0.7308% | 850 |
| Noncurrent loans to loans | 0.9590% | 1,047 |
| Net loans and leases to total assets | 75.2777% | 563 |
| Net loans and leases to deposits | 82.9348% | 990 |
| Net loans and leases to core deposits | 87.0724% | 1,131 |
| Total domestic deposits to total assets | 90.7673% | 598 |
| Equity capital to assets | 8.9301% | 3,699 |
| Core capital (leverage) ratio | 8.8504% | 3,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $401,125,000 | 1,986 |
| Average earning assets | $375,736,800 | 1,986 |
| Average equity | $33,177,200 | 2,377 |
| Average total loans | $314,204,400 | 1,649 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4993% | 680 |
| Cost of funding earning assets | 0.6608% | 471 |
| Net interest margin | 3.8385% | 1,045 |
| Noninterest income to average assets | 0.8607% | 1,345 |
| Noninterest expense to average assets | 3.1933% | 722 |
| Loan and lease loss provision to assets | 0.2244% | 439 |
| Net operating income to assets | 1.0324% | 2,796 |
| Return on assets (ROA) | 1.0374% | 2,842 |
| Pretax return on assets | 1.0374% | 3,358 |
| Return on Equity (ROE) | 12.8170% | 1,758 |
| Retained earnings to average equity (ytd only) | 5.0543% | 3,199 |
| Net charge-offs to loans | 0.1601% | 524 |
| Credit loss provision to net charge-offs | 177.3333% | 1,264 |
| Earnings coverage of net charge-offs (x) | 9.9360% | 2,058 |
| Efficiency ratio | 71.4416% | 1,449 |
| Assets per employee ($millions) | 3.0838% | 4,739 |
| Cash dividends to net income (ytd only)* | 60.5657% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7172% | 4,477 |
| Loan loss allowance to noncurrent loans | 40.5143% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.4741% | 337 |
| Noncurrent loans to loans | 1.7703% | 552 |
| Net loans and leases to total assets | 80.2934% | 273 |
| Net loans and leases to deposits | 88.6364% | 679 |
| Net loans and leases to core deposits | 93.5827% | 846 |
| Total domestic deposits to total assets | 90.5874% | 515 |
| Equity capital to assets | 9.0120% | 3,821 |
| Core capital (leverage) ratio | 8.8001% | 3,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1825% | 2,927 |
| Memoranda: | ||
| Average total assets | $395,324,000 | 2,024 |
| Average earning assets | $369,647,500 | 2,026 |
| Average equity | $31,998,250 | 2,459 |
| Average total loans | $312,303,250 | 1,681 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 833 |
| Cost of funding earning assets | 0.7036% | 460 |
| Net interest margin | 3.7149% | 1,312 |
| Noninterest income to average assets | 0.8781% | 1,334 |
| Noninterest expense to average assets | 3.2194% | 696 |
| Loan and lease loss provision to assets | 0.1686% | 690 |
| Net operating income to assets | 0.9580% | 3,039 |
| Return on assets (ROA) | 0.9626% | 3,105 |
| Pretax return on assets | 0.9626% | 3,519 |
| Return on Equity (ROE) | 12.3849% | 1,918 |
| Retained earnings to average equity (ytd only) | 4.7259% | 3,291 |
| Net charge-offs to loans | 0.1053% | 719 |
| Credit loss provision to net charge-offs | 204.3478% | 1,046 |
| Earnings coverage of net charge-offs (x) | 13.6584% | 1,691 |
| Efficiency ratio | 73.7475% | 1,263 |
| Assets per employee ($millions) | 3.0939% | 4,769 |
| Cash dividends to net income (ytd only)* | 61.8414% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6945% | 4,540 |
| Loan loss allowance to noncurrent loans | 38.0543% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.5822% | 339 |
| Noncurrent loans to loans | 1.8250% | 564 |
| Net loans and leases to total assets | 81.4941% | 238 |
| Net loans and leases to deposits | 88.7286% | 738 |
| Net loans and leases to core deposits | 93.8426% | 910 |
| Total domestic deposits to total assets | 91.8465% | 158 |
| Equity capital to assets | 7.6657% | 4,688 |
| Core capital (leverage) ratio | 7.1895% | 4,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2940% | 3,097 |
| Memoranda: | ||
| Average total assets | $390,381,333 | 2,037 |
| Average earning assets | $364,421,000 | 2,038 |
| Average equity | $30,343,333 | 2,523 |
| Average total loans | $305,836,333 | 1,714 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 907 |
| Cost of funding earning assets | 0.7692% | 411 |
| Net interest margin | 3.6366% | 1,484 |
| Noninterest income to average assets | 0.8783% | 1,383 |
| Noninterest expense to average assets | 3.0375% | 934 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2323% | 2,037 |
| Return on assets (ROA) | 1.2437% | 2,080 |
| Pretax return on assets | 1.2437% | 2,721 |
| Return on Equity (ROE) | 15.8887% | 1,039 |
| Retained earnings to average equity (ytd only) | 11.0364% | 1,393 |
| Net charge-offs to loans | 0.0392% | 1,080 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 41.1724% | 973 |
| Efficiency ratio | 71.1385% | 1,594 |
| Assets per employee ($millions) | 3.1088% | 4,799 |
| Cash dividends to net income (ytd only)* | 30.5394% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6897% | 4,587 |
| Loan loss allowance to noncurrent loans | 33.6655% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.5782% | 378 |
| Noncurrent loans to loans | 2.0488% | 524 |
| Net loans and leases to total assets | 74.5725% | 768 |
| Net loans and leases to deposits | 81.0333% | 1,418 |
| Net loans and leases to core deposits | 85.9230% | 1,530 |
| Total domestic deposits to total assets | 92.0270% | 139 |
| Equity capital to assets | 7.6209% | 4,666 |
| Core capital (leverage) ratio | 7.4904% | 4,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8193% | 3,065 |
| Memoranda: | ||
| Average total assets | $387,559,500 | 2,039 |
| Average earning assets | $361,433,000 | 2,041 |
| Average equity | $30,336,000 | 2,516 |
| Average total loans | $296,257,500 | 1,763 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6892% | 914 |
| Cost of funding earning assets | 1.0947% | 408 |
| Net interest margin | 3.5945% | 2,157 |
| Noninterest income to average assets | 0.8274% | 1,460 |
| Noninterest expense to average assets | 3.3115% | 894 |
| Loan and lease loss provision to assets | 0.1513% | 2,484 |
| Net operating income to assets | 0.6811% | 3,489 |
| Return on assets (ROA) | 0.7010% | 3,563 |
| Pretax return on assets | 0.7010% | 3,879 |
| Return on Equity (ROE) | 8.5645% | 2,569 |
| Retained earnings to average equity (ytd only) | 5.0778% | 2,239 |
| Net charge-offs to loans | 0.1470% | 1,109 |
| Credit loss provision to net charge-offs | 133.8235% | 2,524 |
| Earnings coverage of net charge-offs (x) | 7.3627% | 2,702 |
| Efficiency ratio | 79.5319% | 920 |
| Assets per employee ($millions) | 2.9700% | 4,814 |
| Cash dividends to net income (ytd only)* | 40.7115% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7113% | 4,570 |
| Loan loss allowance to noncurrent loans | 29.3399% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.9229% | 301 |
| Noncurrent loans to loans | 2.4242% | 426 |
| Net loans and leases to total assets | 77.3130% | 667 |
| Net loans and leases to deposits | 84.2948% | 1,424 |
| Net loans and leases to core deposits | 89.0461% | 1,606 |
| Total domestic deposits to total assets | 91.7174% | 99 |
| Equity capital to assets | 8.0461% | 4,690 |
| Core capital (leverage) ratio | 7.6317% | 4,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1626% | 3,068 |
| Memoranda: | ||
| Average total assets | $360,890,200 | 2,003 |
| Average earning assets | $332,977,600 | 2,013 |
| Average equity | $29,540,400 | 2,495 |
| Average total loans | $277,576,200 | 1,784 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7044% | 1,056 |
| Cost of funding earning assets | 1.1462% | 448 |
| Net interest margin | 3.5582% | 2,399 |
| Noninterest income to average assets | 0.8094% | 1,457 |
| Noninterest expense to average assets | 3.2259% | 1,028 |
| Loan and lease loss provision to assets | 0.1886% | 2,097 |
| Net operating income to assets | 0.6730% | 3,557 |
| Return on assets (ROA) | 0.6984% | 3,565 |
| Pretax return on assets | 0.6984% | 3,904 |
| Return on Equity (ROE) | 8.4938% | 2,602 |
| Retained earnings to average equity (ytd only) | 4.2674% | 2,915 |
| Net charge-offs to loans | 0.1545% | 950 |
| Credit loss provision to net charge-offs | 159.3060% | 2,275 |
| Earnings coverage of net charge-offs (x) | 7.2744% | 2,589 |
| Efficiency ratio | 78.5355% | 980 |
| Assets per employee ($millions) | 3.0666% | 4,823 |
| Cash dividends to net income (ytd only)* | 49.7592% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7119% | 4,561 |
| Loan loss allowance to noncurrent loans | 31.2081% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.8303% | 409 |
| Noncurrent loans to loans | 2.2813% | 494 |
| Net loans and leases to total assets | 77.8222% | 852 |
| Net loans and leases to deposits | 90.9490% | 1,165 |
| Net loans and leases to core deposits | 96.2610% | 1,438 |
| Total domestic deposits to total assets | 85.5669% | 2,231 |
| Equity capital to assets | 7.7966% | 4,782 |
| Core capital (leverage) ratio | 7.6715% | 4,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7494% | 3,105 |
| Memoranda: | ||
| Average total assets | $356,815,250 | 1,996 |
| Average earning assets | $328,731,000 | 2,014 |
| Average equity | $29,338,250 | 2,508 |
| Average total loans | $273,543,750 | 1,803 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 1,195 |
| Cost of funding earning assets | 1.2178% | 475 |
| Net interest margin | 3.5722% | 2,570 |
| Noninterest income to average assets | 0.8052% | 1,417 |
| Noninterest expense to average assets | 3.3525% | 922 |
| Loan and lease loss provision to assets | 0.2000% | 2,048 |
| Net operating income to assets | 0.5334% | 3,924 |
| Return on assets (ROA) | 0.5707% | 3,908 |
| Pretax return on assets | 0.5707% | 4,120 |
| Return on Equity (ROE) | 6.8117% | 3,202 |
| Retained earnings to average equity (ytd only) | 2.3529% | 3,623 |
| Net charge-offs to loans | 0.1935% | 794 |
| Credit loss provision to net charge-offs | 135.9375% | 2,198 |
| Earnings coverage of net charge-offs (x) | 4.9844% | 2,550 |
| Efficiency ratio | 81.6571% | 780 |
| Assets per employee ($millions) | 3.0140% | 4,851 |
| Cash dividends to net income (ytd only)* | 65.4582% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7161% | 4,531 |
| Loan loss allowance to noncurrent loans | 32.5111% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.8133% | 433 |
| Noncurrent loans to loans | 2.2026% | 576 |
| Net loans and leases to total assets | 77.6698% | 894 |
| Net loans and leases to deposits | 84.8182% | 1,913 |
| Net loans and leases to core deposits | 92.6852% | 1,842 |
| Total domestic deposits to total assets | 91.5721% | 77 |
| Equity capital to assets | 8.0550% | 4,690 |
| Core capital (leverage) ratio | 7.6858% | 4,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3025% | 3,122 |
| Memoranda: | ||
| Average total assets | $347,980,000 | 2,011 |
| Average earning assets | $319,582,333 | 2,031 |
| Average equity | $29,155,667 | 2,511 |
| Average total loans | $264,575,667 | 1,821 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9020% | 1,186 |
| Cost of funding earning assets | 1.2765% | 604 |
| Net interest margin | 3.6255% | 2,587 |
| Noninterest income to average assets | 0.9564% | 942 |
| Noninterest expense to average assets | 3.3425% | 1,150 |
| Loan and lease loss provision to assets | 0.4099% | 743 |
| Net operating income to assets | 0.5524% | 3,730 |
| Return on assets (ROA) | 0.5924% | 3,670 |
| Pretax return on assets | 0.5924% | 3,932 |
| Return on Equity (ROE) | 6.9271% | 2,981 |
| Retained earnings to average equity (ytd only) | 4.9991% | 2,279 |
| Net charge-offs to loans | 0.3839% | 374 |
| Credit loss provision to net charge-offs | 142.6230% | 1,612 |
| Earnings coverage of net charge-offs (x) | 3.3484% | 2,223 |
| Efficiency ratio | 77.2640% | 1,426 |
| Assets per employee ($millions) | 2.7960% | 4,869 |
| Cash dividends to net income (ytd only)* | 27.8330% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7871% | 4,445 |
| Loan loss allowance to noncurrent loans | 32.6346% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 2.0800% | 385 |
| Noncurrent loans to loans | 2.4118% | 512 |
| Net loans and leases to total assets | 75.9403% | 1,315 |
| Net loans and leases to deposits | 84.4140% | 2,178 |
| Net loans and leases to core deposits | 90.8061% | 2,271 |
| Total domestic deposits to total assets | 89.9618% | 335 |
| Equity capital to assets | 8.6055% | 4,790 |
| Core capital (leverage) ratio | 8.0827% | 4,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7791% | 3,158 |
| Memoranda: | ||
| Average total assets | $339,623,000 | 2,000 |
| Average earning assets | $313,670,500 | 2,006 |
| Average equity | $29,045,500 | 2,510 |
| Average total loans | $254,213,500 | 1,835 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7585% | 2,172 |
| Cost of funding earning assets | 1.2640% | 856 |
| Net interest margin | 3.4945% | 3,462 |
| Noninterest income to average assets | 0.9231% | 1,135 |
| Noninterest expense to average assets | 3.5282% | 928 |
| Loan and lease loss provision to assets | 0.1493% | 1,430 |
| Net operating income to assets | 0.4583% | 4,491 |
| Return on assets (ROA) | 0.4894% | 4,478 |
| Pretax return on assets | 0.4894% | 4,592 |
| Return on Equity (ROE) | 5.6253% | 4,030 |
| Retained earnings to average equity (ytd only) | 2.8001% | 3,636 |
| Net charge-offs to loans | 0.1618% | 1,241 |
| Credit loss provision to net charge-offs | 126.9841% | 2,005 |
| Earnings coverage of net charge-offs (x) | 5.1667% | 3,123 |
| Efficiency ratio | 84.8793% | 609 |
| Assets per employee ($millions) | 2.6024% | 4,970 |
| Cash dividends to net income (ytd only)* | 50.2225% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7888% | 4,337 |
| Loan loss allowance to noncurrent loans | 29.7001% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 2.2137% | 330 |
| Noncurrent loans to loans | 2.6559% | 392 |
| Net loans and leases to total assets | 72.5329% | 2,004 |
| Net loans and leases to deposits | 79.4663% | 2,842 |
| Net loans and leases to core deposits | 85.7782% | 2,805 |
| Total domestic deposits to total assets | 91.2751% | 88 |
| Equity capital to assets | 8.5437% | 4,895 |
| Core capital (leverage) ratio | 7.8805% | 5,061 |
| Tier 1 risk-based capital ratio | 11.3912% | 4,690 |
| Total risk-based capital ratio | 12.2264% | 4,770 |
| Memoranda: | ||
| Average total assets | $321,410,800 | 2,028 |
| Average earning assets | $295,493,600 | 2,057 |
| Average equity | $27,963,000 | 2,498 |
| Average total loans | $233,593,400 | 1,933 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7379% | 2,306 |
| Cost of funding earning assets | 1.2096% | 1,014 |
| Net interest margin | 3.5284% | 3,481 |
| Noninterest income to average assets | 0.9269% | 1,087 |
| Noninterest expense to average assets | 3.5028% | 946 |
| Loan and lease loss provision to assets | 0.1433% | 1,339 |
| Net operating income to assets | 0.5204% | 4,467 |
| Return on assets (ROA) | 0.5511% | 4,456 |
| Pretax return on assets | 0.5511% | 4,621 |
| Return on Equity (ROE) | 6.3040% | 3,953 |
| Retained earnings to average equity (ytd only) | 2.9861% | 3,889 |
| Net charge-offs to loans | 0.1674% | 1,007 |
| Credit loss provision to net charge-offs | 117.9931% | 1,983 |
| Earnings coverage of net charge-offs (x) | 5.4637% | 2,919 |
| Efficiency ratio | 83.6461% | 639 |
| Assets per employee ($millions) | 2.6803% | 5,018 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7684% | 4,497 |
| Loan loss allowance to noncurrent loans | 28.8161% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 2.1903% | 370 |
| Noncurrent loans to loans | 2.6664% | 409 |
| Net loans and leases to total assets | 72.6972% | 2,046 |
| Net loans and leases to deposits | 79.7834% | 2,924 |
| Net loans and leases to core deposits | 86.7335% | 2,846 |
| Total domestic deposits to total assets | 91.1182% | 89 |
| Equity capital to assets | 8.5075% | 4,999 |
| Core capital (leverage) ratio | 8.0874% | 5,097 |
| Tier 1 risk-based capital ratio | 11.1986% | 4,824 |
| Total risk-based capital ratio | 12.0040% | 4,911 |
| Memoranda: | ||
| Average total assets | $317,186,750 | 2,066 |
| Average earning assets | $291,230,500 | 2,092 |
| Average equity | $27,727,750 | 2,525 |
| Average total loans | $230,158,000 | 1,971 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6681% | 2,457 |
| Cost of funding earning assets | 1.1273% | 1,207 |
| Net interest margin | 3.5408% | 3,465 |
| Noninterest income to average assets | 0.8764% | 1,133 |
| Noninterest expense to average assets | 3.6321% | 815 |
| Loan and lease loss provision to assets | 0.1360% | 1,366 |
| Net operating income to assets | 0.3512% | 4,799 |
| Return on assets (ROA) | 0.3519% | 4,816 |
| Pretax return on assets | 0.3519% | 4,886 |
| Return on Equity (ROE) | 3.9864% | 4,591 |
| Retained earnings to average equity (ytd only) | 1.1390% | 4,398 |
| Net charge-offs to loans | 0.1257% | 1,191 |
| Credit loss provision to net charge-offs | 149.6454% | 1,496 |
| Earnings coverage of net charge-offs (x) | 5.3617% | 2,667 |
| Efficiency ratio | 87.7347% | 452 |
| Assets per employee ($millions) | 2.5565% | 5,101 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8162% | 4,382 |
| Loan loss allowance to noncurrent loans | 26.2769% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 2.5618% | 284 |
| Noncurrent loans to loans | 3.1062% | 317 |
| Net loans and leases to total assets | 72.3933% | 2,161 |
| Net loans and leases to deposits | 79.8523% | 2,971 |
| Net loans and leases to core deposits | 86.5584% | 2,921 |
| Total domestic deposits to total assets | 90.6590% | 163 |
| Equity capital to assets | 8.7319% | 4,935 |
| Core capital (leverage) ratio | 8.3586% | 5,039 |
| Tier 1 risk-based capital ratio | 11.0403% | 4,892 |
| Total risk-based capital ratio | 11.8565% | 4,980 |
| Memoranda: | ||
| Average total assets | $310,345,000 | 2,115 |
| Average earning assets | $284,227,330 | 2,142 |
| Average equity | $27,393,330 | 2,541 |
| Average total loans | $224,408,000 | 2,014 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 2,344 |
| Cost of funding earning assets | 1.0634% | 1,321 |
| Net interest margin | 3.5968% | 3,258 |
| Noninterest income to average assets | 0.8711% | 1,115 |
| Noninterest expense to average assets | 3.4987% | 965 |
| Loan and lease loss provision to assets | 0.0972% | 1,805 |
| Net operating income to assets | 0.5636% | 4,351 |
| Return on assets (ROA) | 0.5636% | 4,383 |
| Pretax return on assets | 0.5636% | 4,579 |
| Return on Equity (ROE) | 6.3493% | 3,893 |
| Retained earnings to average equity (ytd only) | 6.2013% | 2,367 |
| Net charge-offs to loans | 0.0840% | 1,259 |
| Credit loss provision to net charge-offs | 160.8696% | 1,188 |
| Earnings coverage of net charge-offs (x) | 10.9348% | 1,936 |
| Efficiency ratio | 83.6702% | 737 |
| Assets per employee ($millions) | 2.4255% | 5,203 |
| Cash dividends to net income (ytd only)* | 2.3310% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 4,382 |
| Loan loss allowance to noncurrent loans | 27.2939% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 2.5480% | 298 |
| Noncurrent loans to loans | 3.0827% | 345 |
| Net loans and leases to total assets | 71.8108% | 2,198 |
| Net loans and leases to deposits | 79.1188% | 2,941 |
| Net loans and leases to core deposits | 85.0773% | 2,948 |
| Total domestic deposits to total assets | 90.7632% | 216 |
| Equity capital to assets | 9.0157% | 4,673 |
| Core capital (leverage) ratio | 8.6853% | 4,881 |
| Tier 1 risk-based capital ratio | 11.7731% | 4,579 |
| Total risk-based capital ratio | 12.6164% | 4,712 |
| Memoranda: | ||
| Average total assets | $304,459,000 | 2,175 |
| Average earning assets | $278,355,000 | 2,190 |
| Average equity | $27,026,500 | 2,569 |
| Average total loans | $219,057,000 | 2,069 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5504% | 2,293 |
| Cost of funding earning assets | 0.7652% | 1,712 |
| Net interest margin | 3.7853% | 2,716 |
| Noninterest income to average assets | 0.9503% | 1,061 |
| Noninterest expense to average assets | 3.6534% | 818 |
| Loan and lease loss provision to assets | 0.1503% | 1,410 |
| Net operating income to assets | 0.6051% | 4,404 |
| Return on assets (ROA) | 0.5992% | 4,428 |
| Pretax return on assets | 0.5992% | 4,629 |
| Return on Equity (ROE) | 6.5995% | 3,968 |
| Retained earnings to average equity (ytd only) | 1.6518% | 4,483 |
| Net charge-offs to loans | 0.1985% | 963 |
| Credit loss provision to net charge-offs | 107.6733% | 2,378 |
| Earnings coverage of net charge-offs (x) | 5.4109% | 3,196 |
| Efficiency ratio | 82.4267% | 760 |
| Assets per employee ($millions) | 2.3879% | 5,246 |
| Cash dividends to net income (ytd only)* | 74.9712% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8599% | 4,329 |
| Loan loss allowance to noncurrent loans | 29.4802% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 2.3840% | 335 |
| Noncurrent loans to loans | 2.9168% | 356 |
| Net loans and leases to total assets | 70.8533% | 2,440 |
| Net loans and leases to deposits | 77.8255% | 3,184 |
| Net loans and leases to core deposits | 86.3550% | 2,885 |
| Total domestic deposits to total assets | 91.0412% | 198 |
| Equity capital to assets | 8.7348% | 4,777 |
| Core capital (leverage) ratio | 8.5860% | 4,963 |
| Tier 1 risk-based capital ratio | 12.1749% | 4,310 |
| Total risk-based capital ratio | 13.0484% | 4,445 |
| Memoranda: | ||
| Average total assets | $289,372,400 | 2,213 |
| Average earning assets | $264,392,400 | 2,231 |
| Average equity | $26,274,600 | 2,554 |
| Average total loans | $203,533,600 | 2,150 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5043% | 2,290 |
| Cost of funding earning assets | 0.6886% | 1,917 |
| Net interest margin | 3.8157% | 2,588 |
| Noninterest income to average assets | 1.0086% | 944 |
| Noninterest expense to average assets | 3.5768% | 887 |
| Loan and lease loss provision to assets | 0.0405% | 3,192 |
| Net operating income to assets | 0.8783% | 3,631 |
| Return on assets (ROA) | 0.8703% | 3,660 |
| Pretax return on assets | 0.8703% | 4,119 |
| Return on Equity (ROE) | 9.5023% | 2,847 |
| Retained earnings to average equity (ytd only) | 3.4046% | 4,061 |
| Net charge-offs to loans | 0.1555% | 1,060 |
| Credit loss provision to net charge-offs | 37.1795% | 2,929 |
| Earnings coverage of net charge-offs (x) | 8.4359% | 2,711 |
| Efficiency ratio | 79.1283% | 1,022 |
| Assets per employee ($millions) | 2.4954% | 5,282 |
| Cash dividends to net income (ytd only)* | 64.1711% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7698% | 4,709 |
| Loan loss allowance to noncurrent loans | 27.3620% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 2.3066% | 405 |
| Noncurrent loans to loans | 2.8135% | 416 |
| Net loans and leases to total assets | 70.7493% | 2,536 |
| Net loans and leases to deposits | 84.2099% | 2,577 |
| Net loans and leases to core deposits | 89.5271% | 2,696 |
| Total domestic deposits to total assets | 84.0154% | 2,938 |
| Equity capital to assets | 8.5656% | 4,884 |
| Core capital (leverage) ratio | 8.9320% | 4,764 |
| Tier 1 risk-based capital ratio | 11.9462% | 4,530 |
| Total risk-based capital ratio | 12.7138% | 4,693 |
| Memoranda: | ||
| Average total assets | $286,468,250 | 2,243 |
| Average earning assets | $261,786,500 | 2,257 |
| Average equity | $26,238,500 | 2,567 |
| Average total loans | $200,669,000 | 2,179 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4682% | 2,188 |
| Cost of funding earning assets | 0.6055% | 2,191 |
| Net interest margin | 3.8627% | 2,339 |
| Noninterest income to average assets | 1.0218% | 920 |
| Noninterest expense to average assets | 3.7629% | 697 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8115% | 3,820 |
| Return on assets (ROA) | 0.7993% | 3,857 |
| Pretax return on assets | 0.7993% | 4,245 |
| Return on Equity (ROE) | 8.5272% | 3,248 |
| Retained earnings to average equity (ytd only) | 1.6811% | 4,575 |
| Net charge-offs to loans | 0.0420% | 2,022 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 27.7561% | 1,572 |
| Efficiency ratio | 80.3897% | 969 |
| Assets per employee ($millions) | 2.3692% | 5,368 |
| Cash dividends to net income (ytd only)* | 80.2855% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8680% | 4,484 |
| Loan loss allowance to noncurrent loans | 33.9836% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 2.1569% | 467 |
| Noncurrent loans to loans | 2.5541% | 504 |
| Net loans and leases to total assets | 71.3878% | 2,381 |
| Net loans and leases to deposits | 82.4373% | 2,721 |
| Net loans and leases to core deposits | 87.3522% | 2,784 |
| Total domestic deposits to total assets | 86.5965% | 2,016 |
| Equity capital to assets | 9.1292% | 4,452 |
| Core capital (leverage) ratio | 9.1285% | 4,544 |
| Tier 1 risk-based capital ratio | 12.4886% | 4,189 |
| Total risk-based capital ratio | 13.3541% | 4,311 |
| Memoranda: | ||
| Average total assets | $280,478,670 | 2,286 |
| Average earning assets | $257,954,000 | 2,294 |
| Average equity | $26,292,330 | 2,571 |
| Average total loans | $195,206,000 | 2,224 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3310% | 2,415 |
| Cost of funding earning assets | 0.5435% | 2,453 |
| Net interest margin | 3.7874% | 2,471 |
| Noninterest income to average assets | 1.0583% | 819 |
| Noninterest expense to average assets | 3.4806% | 1,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0597% | 2,611 |
| Return on assets (ROA) | 1.0611% | 2,612 |
| Pretax return on assets | 1.0611% | 3,309 |
| Return on Equity (ROE) | 11.1709% | 1,898 |
| Retained earnings to average equity (ytd only) | 4.9733% | 3,189 |
| Net charge-offs to loans | 0.0399% | 1,735 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 38.8421% | 1,083 |
| Efficiency ratio | 74.7628% | 1,787 |
| Assets per employee ($millions) | 2.3306% | 5,443 |
| Cash dividends to net income (ytd only)* | 55.4804% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 4,301 |
| Loan loss allowance to noncurrent loans | 32.1882% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 2.4406% | 389 |
| Noncurrent loans to loans | 2.8897% | 425 |
| Net loans and leases to total assets | 69.6744% | 2,535 |
| Net loans and leases to deposits | 78.3426% | 2,982 |
| Net loans and leases to core deposits | 85.4845% | 2,847 |
| Total domestic deposits to total assets | 88.9356% | 1,123 |
| Equity capital to assets | 9.5542% | 4,040 |
| Core capital (leverage) ratio | 9.4014% | 4,188 |
| Tier 1 risk-based capital ratio | 13.0702% | 3,911 |
| Total risk-based capital ratio | 13.9855% | 3,986 |
| Memoranda: | ||
| Average total assets | $278,569,000 | 2,312 |
| Average earning assets | $256,110,000 | 2,321 |
| Average equity | $26,461,500 | 2,583 |
| Average total loans | $190,443,500 | 2,269 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4216% | 1,966 |
| Cost of funding earning assets | 0.6036% | 1,578 |
| Net interest margin | 3.8180% | 2,362 |
| Noninterest income to average assets | 1.0313% | 960 |
| Noninterest expense to average assets | 3.3612% | 1,267 |
| Loan and lease loss provision to assets | 0.3333% | 499 |
| Net operating income to assets | 0.8909% | 2,768 |
| Return on assets (ROA) | 0.8932% | 2,776 |
| Pretax return on assets | 0.8932% | 3,945 |
| Return on Equity (ROE) | 8.6037% | 2,492 |
| Retained earnings to average equity (ytd only) | 2.2159% | 3,997 |
| Net charge-offs to loans | 0.0537% | 2,734 |
| Credit loss provision to net charge-offs | 878.3505% | 402 |
| Earnings coverage of net charge-offs (x) | 32.2577% | 1,470 |
| Efficiency ratio | 73.3020% | 2,015 |
| Assets per employee ($millions) | 2.4967% | 5,460 |
| Cash dividends to net income (ytd only)* | 74.2444% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 4,105 |
| Loan loss allowance to noncurrent loans | 33.0846% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 2.3681% | 414 |
| Noncurrent loans to loans | 2.9310% | 389 |
| Net loans and leases to total assets | 65.8064% | 3,125 |
| Net loans and leases to deposits | 72.8086% | 3,620 |
| Net loans and leases to core deposits | 79.3442% | 3,468 |
| Total domestic deposits to total assets | 90.3828% | 438 |
| Equity capital to assets | 9.4453% | 4,272 |
| Core capital (leverage) ratio | 9.9494% | 3,517 |
| Tier 1 risk-based capital ratio | 14.0795% | 3,318 |
| Total risk-based capital ratio | 15.0034% | 3,410 |
| Memoranda: | ||
| Average total assets | $255,590,200 | 2,451 |
| Average earning assets | $237,923,800 | 2,445 |
| Average equity | $26,535,200 | 2,574 |
| Average total loans | $180,575,600 | 2,325 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4462% | 1,802 |
| Cost of funding earning assets | 0.6100% | 1,459 |
| Net interest margin | 3.8363% | 2,257 |
| Noninterest income to average assets | 0.9977% | 1,031 |
| Noninterest expense to average assets | 3.2171% | 1,522 |
| Loan and lease loss provision to assets | 0.4563% | 282 |
| Net operating income to assets | 0.9083% | 2,989 |
| Return on assets (ROA) | 0.9115% | 3,027 |
| Pretax return on assets | 0.9115% | 4,000 |
| Return on Equity (ROE) | 8.5611% | 2,830 |
| Retained earnings to average equity (ytd only) | 0.5382% | 5,101 |
| Net charge-offs to loans | 0.0492% | 2,448 |
| Credit loss provision to net charge-offs | 1,290.9091% | 282 |
| Earnings coverage of net charge-offs (x) | 38.6051% | 1,337 |
| Efficiency ratio | 70.2162% | 2,506 |
| Assets per employee ($millions) | 2.5716% | 5,493 |
| Cash dividends to net income (ytd only)* | 93.7130% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 4,127 |
| Loan loss allowance to noncurrent loans | 31.9675% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 2.6311% | 389 |
| Noncurrent loans to loans | 3.0900% | 398 |
| Net loans and leases to total assets | 72.0701% | 2,244 |
| Net loans and leases to deposits | 86.6039% | 2,227 |
| Net loans and leases to core deposits | 100.0734% | 1,702 |
| Total domestic deposits to total assets | 83.2181% | 3,388 |
| Equity capital to assets | 10.4364% | 3,436 |
| Core capital (leverage) ratio | 10.8142% | 2,631 |
| Tier 1 risk-based capital ratio | 14.5584% | 3,152 |
| Total risk-based capital ratio | 15.5471% | 3,202 |
| Memoranda: | ||
| Average total assets | $248,955,500 | 2,514 |
| Average earning assets | $232,580,000 | 2,488 |
| Average equity | $26,507,000 | 2,599 |
| Average total loans | $178,850,250 | 2,350 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4220% | 1,748 |
| Cost of funding earning assets | 0.5989% | 1,454 |
| Net interest margin | 3.8231% | 2,197 |
| Noninterest income to average assets | 1.0227% | 972 |
| Noninterest expense to average assets | 3.2491% | 1,477 |
| Loan and lease loss provision to assets | 0.6912% | 157 |
| Net operating income to assets | 0.6547% | 4,053 |
| Return on assets (ROA) | 0.6596% | 4,093 |
| Pretax return on assets | 0.6596% | 4,659 |
| Return on Equity (ROE) | 6.1523% | 3,979 |
| Retained earnings to average equity (ytd only) | -2.7200% | 5,403 |
| Net charge-offs to loans | 0.1829% | 1,086 |
| Credit loss provision to net charge-offs | 528.5714% | 634 |
| Earnings coverage of net charge-offs (x) | 10.2919% | 2,351 |
| Efficiency ratio | 70.7089% | 2,552 |
| Assets per employee ($millions) | 2.5184% | 5,540 |
| Cash dividends to net income (ytd only)* | 144.2118% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 4,305 |
| Loan loss allowance to noncurrent loans | 31.5344% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 2.5922% | 401 |
| Noncurrent loans to loans | 3.0859% | 409 |
| Net loans and leases to total assets | 71.5499% | 2,272 |
| Net loans and leases to deposits | 81.0358% | 2,799 |
| Net loans and leases to core deposits | 94.1213% | 2,146 |
| Total domestic deposits to total assets | 88.2942% | 1,310 |
| Equity capital to assets | 10.5980% | 3,230 |
| Core capital (leverage) ratio | 10.8627% | 2,538 |
| Tier 1 risk-based capital ratio | 14.8679% | 2,987 |
| Total risk-based capital ratio | 15.8377% | 3,038 |
| Memoranda: | ||
| Average total assets | $246,221,330 | 2,545 |
| Average earning assets | $230,076,330 | 2,525 |
| Average equity | $26,396,670 | 2,602 |
| Average total loans | $176,072,670 | 2,380 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4813% | 1,421 |
| Cost of funding earning assets | 0.5984% | 1,385 |
| Net interest margin | 3.8829% | 1,841 |
| Noninterest income to average assets | 0.8321% | 1,449 |
| Noninterest expense to average assets | 2.9656% | 2,260 |
| Loan and lease loss provision to assets | 0.3041% | 439 |
| Net operating income to assets | 1.1902% | 1,525 |
| Return on assets (ROA) | 1.1983% | 1,544 |
| Pretax return on assets | 1.1983% | 2,604 |
| Return on Equity (ROE) | 11.1130% | 1,527 |
| Retained earnings to average equity (ytd only) | 5.3367% | 2,713 |
| Net charge-offs to loans | 0.0988% | 1,380 |
| Credit loss provision to net charge-offs | 432.5581% | 622 |
| Earnings coverage of net charge-offs (x) | 21.2558% | 1,453 |
| Efficiency ratio | 66.4956% | 3,413 |
| Assets per employee ($millions) | 2.4794% | 5,628 |
| Cash dividends to net income (ytd only)* | 51.9782% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6831% | 5,343 |
| Loan loss allowance to noncurrent loans | 51.3191% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 1.3245% | 1,280 |
| Noncurrent loans to loans | 1.3311% | 1,521 |
| Net loans and leases to total assets | 71.4312% | 2,149 |
| Net loans and leases to deposits | 80.4204% | 2,697 |
| Net loans and leases to core deposits | 92.8057% | 2,088 |
| Total domestic deposits to total assets | 88.8222% | 1,242 |
| Equity capital to assets | 10.9052% | 2,739 |
| Core capital (leverage) ratio | 11.2045% | 2,180 |
| Tier 1 risk-based capital ratio | 15.5978% | 2,716 |
| Total risk-based capital ratio | 16.2797% | 2,880 |
| Memoranda: | ||
| Average total assets | $244,671,500 | 2,579 |
| Average earning assets | $228,594,500 | 2,564 |
| Average equity | $26,383,500 | 2,610 |
| Average total loans | $174,038,000 | 2,415 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5667% | 1,367 |
| Cost of funding earning assets | 0.5944% | 1,379 |
| Net interest margin | 3.9723% | 1,722 |
| Noninterest income to average assets | 0.9085% | 1,383 |
| Noninterest expense to average assets | 3.2317% | 1,724 |
| Loan and lease loss provision to assets | 0.1982% | 1,178 |
| Net operating income to assets | 1.1820% | 1,559 |
| Return on assets (ROA) | 1.2403% | 1,463 |
| Pretax return on assets | 1.2403% | 2,511 |
| Return on Equity (ROE) | 11.4598% | 1,418 |
| Retained earnings to average equity (ytd only) | 4.8932% | 2,413 |
| Net charge-offs to loans | 0.1848% | 1,498 |
| Credit loss provision to net charge-offs | 156.5789% | 1,760 |
| Earnings coverage of net charge-offs (x) | 10.9046% | 2,587 |
| Efficiency ratio | 70.0731% | 2,887 |
| Assets per employee ($millions) | 2.6224% | 5,605 |
| Cash dividends to net income (ytd only)* | 57.3011% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6197% | 5,497 |
| Loan loss allowance to noncurrent loans | 52.9646% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 1.1825% | 1,532 |
| Noncurrent loans to loans | 1.1700% | 1,756 |
| Net loans and leases to total assets | 69.8991% | 2,488 |
| Net loans and leases to deposits | 78.5046% | 3,045 |
| Net loans and leases to core deposits | 91.3692% | 2,357 |
| Total domestic deposits to total assets | 89.0382% | 1,100 |
| Equity capital to assets | 10.6604% | 2,964 |
| Core capital (leverage) ratio | 11.1432% | 2,213 |
| Tier 1 risk-based capital ratio | 15.7583% | 2,647 |
| Total risk-based capital ratio | 16.3734% | 2,845 |
| Memoranda: | ||
| Average total assets | $240,180,000 | 2,575 |
| Average earning assets | $223,925,800 | 2,559 |
| Average equity | $25,995,200 | 2,636 |
| Average total loans | $164,502,200 | 2,472 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5809% | 1,330 |
| Cost of funding earning assets | 0.5881% | 1,428 |
| Net interest margin | 3.9928% | 1,681 |
| Noninterest income to average assets | 0.8209% | 1,685 |
| Noninterest expense to average assets | 3.1012% | 2,026 |
| Loan and lease loss provision to assets | 0.1962% | 1,090 |
| Net operating income to assets | 1.2427% | 1,481 |
| Return on assets (ROA) | 1.3191% | 1,316 |
| Pretax return on assets | 1.3191% | 2,349 |
| Return on Equity (ROE) | 12.1408% | 1,277 |
| Retained earnings to average equity (ytd only) | 3.8982% | 3,531 |
| Net charge-offs to loans | 0.1532% | 1,469 |
| Credit loss provision to net charge-offs | 188.2353% | 1,494 |
| Earnings coverage of net charge-offs (x) | 13.8073% | 2,280 |
| Efficiency ratio | 68.3074% | 3,174 |
| Assets per employee ($millions) | 2.3811% | 5,777 |
| Cash dividends to net income (ytd only)* | 67.8918% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6138% | 5,581 |
| Loan loss allowance to noncurrent loans | 60.4811% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 1.1493% | 1,750 |
| Noncurrent loans to loans | 1.0149% | 2,214 |
| Net loans and leases to total assets | 71.0941% | 2,335 |
| Net loans and leases to deposits | 80.2579% | 2,929 |
| Net loans and leases to core deposits | 92.9358% | 2,284 |
| Total domestic deposits to total assets | 88.5821% | 1,114 |
| Equity capital to assets | 11.1443% | 2,867 |
| Core capital (leverage) ratio | 11.2826% | 2,204 |
| Tier 1 risk-based capital ratio | 15.3499% | 2,893 |
| Total risk-based capital ratio | 15.9565% | 3,123 |
| Memoranda: | ||
| Average total assets | $239,254,250 | 2,593 |
| Average earning assets | $222,860,750 | 2,574 |
| Average equity | $25,994,250 | 2,658 |
| Average total loans | $162,744,000 | 2,493 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5654% | 1,344 |
| Cost of funding earning assets | 0.5818% | 1,461 |
| Net interest margin | 3.9836% | 1,692 |
| Noninterest income to average assets | 0.7243% | 2,030 |
| Noninterest expense to average assets | 2.9191% | 2,616 |
| Loan and lease loss provision to assets | 0.2881% | 638 |
| Net operating income to assets | 1.2326% | 1,496 |
| Return on assets (ROA) | 1.3314% | 1,287 |
| Pretax return on assets | 1.3314% | 2,281 |
| Return on Equity (ROE) | 12.3614% | 1,197 |
| Retained earnings to average equity (ytd only) | 3.0165% | 3,995 |
| Net charge-offs to loans | 0.2368% | 995 |
| Credit loss provision to net charge-offs | 182.0106% | 1,388 |
| Earnings coverage of net charge-offs (x) | 9.6085% | 2,403 |
| Efficiency ratio | 65.7488% | 3,715 |
| Assets per employee ($millions) | 2.5143% | 5,775 |
| Cash dividends to net income (ytd only)* | 75.5975% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6301% | 5,641 |
| Loan loss allowance to noncurrent loans | 74.5196% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.0248% | 2,087 |
| Noncurrent loans to loans | 0.8455% | 2,631 |
| Net loans and leases to total assets | 69.8673% | 2,501 |
| Net loans and leases to deposits | 78.9144% | 3,066 |
| Net loans and leases to core deposits | 90.4812% | 2,491 |
| Total domestic deposits to total assets | 88.5355% | 1,149 |
| Equity capital to assets | 11.2351% | 2,814 |
| Core capital (leverage) ratio | 11.0094% | 2,422 |
| Tier 1 risk-based capital ratio | 15.6379% | 2,808 |
| Total risk-based capital ratio | 16.2592% | 3,019 |
| Memoranda: | ||
| Average total assets | $238,842,000 | 2,609 |
| Average earning assets | $222,762,670 | 2,587 |
| Average equity | $25,725,330 | 2,689 |
| Average total loans | $159,648,330 | 2,537 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5786% | 1,317 |
| Cost of funding earning assets | 0.5848% | 1,450 |
| Net interest margin | 3.9938% | 1,628 |
| Noninterest income to average assets | 0.6648% | 2,197 |
| Noninterest expense to average assets | 2.8589% | 2,851 |
| Loan and lease loss provision to assets | 0.4132% | 328 |
| Net operating income to assets | 1.1246% | 1,815 |
| Return on assets (ROA) | 1.2062% | 1,639 |
| Pretax return on assets | 1.2062% | 2,676 |
| Return on Equity (ROE) | 11.4417% | 1,468 |
| Retained earnings to average equity (ytd only) | 2.0070% | 4,454 |
| Net charge-offs to loans | 0.2046% | 976 |
| Credit loss provision to net charge-offs | 310.0000% | 831 |
| Earnings coverage of net charge-offs (x) | 11.5375% | 1,853 |
| Efficiency ratio | 65.0246% | 3,968 |
| Assets per employee ($millions) | 2.6837% | 5,737 |
| Cash dividends to net income (ytd only)* | 82.4586% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6663% | 5,656 |
| Loan loss allowance to noncurrent loans | 88.3973% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 0.9349% | 2,374 |
| Noncurrent loans to loans | 0.7537% | 2,951 |
| Net loans and leases to total assets | 66.8528% | 2,836 |
| Net loans and leases to deposits | 75.1708% | 3,309 |
| Net loans and leases to core deposits | 87.0893% | 2,648 |
| Total domestic deposits to total assets | 88.9346% | 1,136 |
| Equity capital to assets | 10.8906% | 3,054 |
| Core capital (leverage) ratio | 10.7144% | 2,710 |
| Tier 1 risk-based capital ratio | 15.0789% | 3,120 |
| Total risk-based capital ratio | 15.6910% | 3,361 |
| Memoranda: | ||
| Average total assets | $240,089,000 | 2,616 |
| Average earning assets | $224,350,500 | 2,590 |
| Average equity | $25,311,000 | 2,722 |
| Average total loans | $156,384,000 | 2,567 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4244% | 1,820 |
| Cost of funding earning assets | 0.6231% | 1,215 |
| Net interest margin | 3.8013% | 2,370 |
| Noninterest income to average assets | 0.6813% | 2,287 |
| Noninterest expense to average assets | 2.8424% | 3,063 |
| Loan and lease loss provision to assets | -0.0710% | 5,788 |
| Net operating income to assets | 1.4666% | 924 |
| Return on assets (ROA) | 1.5426% | 820 |
| Pretax return on assets | 1.5426% | 1,429 |
| Return on Equity (ROE) | 15.7433% | 583 |
| Retained earnings to average equity (ytd only) | 6.4010% | 1,601 |
| Net charge-offs to loans | 0.0955% | 2,467 |
| Credit loss provision to net charge-offs | -121.9858% | 5,183 |
| Earnings coverage of net charge-offs (x) | 23.9716% | 1,699 |
| Efficiency ratio | 67.0694% | 3,733 |
| Assets per employee ($millions) | 2.8373% | 5,667 |
| Cash dividends to net income (ytd only)* | 59.3415% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5792% | 5,820 |
| Loan loss allowance to noncurrent loans | 75.5725% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 0.9192% | 2,366 |
| Noncurrent loans to loans | 0.7665% | 2,876 |
| Net loans and leases to total assets | 62.6749% | 3,467 |
| Net loans and leases to deposits | 72.0047% | 3,716 |
| Net loans and leases to core deposits | 83.3577% | 3,016 |
| Total domestic deposits to total assets | 87.0427% | 2,108 |
| Equity capital to assets | 10.2053% | 3,741 |
| Core capital (leverage) ratio | 10.8080% | 2,597 |
| Tier 1 risk-based capital ratio | 15.3274% | 3,029 |
| Total risk-based capital ratio | 15.8534% | 3,304 |
| Memoranda: | ||
| Average total assets | $242,191,800 | 2,559 |
| Average earning assets | $226,609,400 | 2,532 |
| Average equity | $23,730,800 | 2,807 |
| Average total loans | $147,618,800 | 2,632 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4274% | 1,824 |
| Cost of funding earning assets | 0.6455% | 1,122 |
| Net interest margin | 3.7819% | 2,456 |
| Noninterest income to average assets | 0.6861% | 2,296 |
| Noninterest expense to average assets | 2.8118% | 3,143 |
| Loan and lease loss provision to assets | -0.1153% | 6,022 |
| Net operating income to assets | 1.5278% | 881 |
| Return on assets (ROA) | 1.6287% | 746 |
| Pretax return on assets | 1.6287% | 1,303 |
| Return on Equity (ROE) | 16.7985% | 492 |
| Retained earnings to average equity (ytd only) | 4.7557% | 3,085 |
| Net charge-offs to loans | 0.0986% | 2,166 |
| Credit loss provision to net charge-offs | -193.5185% | 5,166 |
| Earnings coverage of net charge-offs (x) | 23.7124% | 1,722 |
| Efficiency ratio | 66.5622% | 3,791 |
| Assets per employee ($millions) | 2.7159% | 5,825 |
| Cash dividends to net income (ytd only)* | 71.6900% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5916% | 5,909 |
| Loan loss allowance to noncurrent loans | 79.6945% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 0.9154% | 2,577 |
| Noncurrent loans to loans | 0.7424% | 3,106 |
| Net loans and leases to total assets | 63.0765% | 3,444 |
| Net loans and leases to deposits | 70.5697% | 3,916 |
| Net loans and leases to core deposits | 81.7503% | 3,278 |
| Total domestic deposits to total assets | 89.3818% | 824 |
| Equity capital to assets | 10.2843% | 3,837 |
| Core capital (leverage) ratio | 10.2942% | 3,262 |
| Tier 1 risk-based capital ratio | 15.4250% | 3,083 |
| Total risk-based capital ratio | 15.9662% | 3,378 |
| Memoranda: | ||
| Average total assets | $241,737,250 | 2,582 |
| Average earning assets | $226,161,250 | 2,559 |
| Average equity | $23,438,000 | 2,866 |
| Average total loans | $146,067,500 | 2,661 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3588% | 1,976 |
| Cost of funding earning assets | 0.6787% | 941 |
| Net interest margin | 3.6801% | 2,797 |
| Noninterest income to average assets | 0.6060% | 2,698 |
| Noninterest expense to average assets | 2.7747% | 3,334 |
| Loan and lease loss provision to assets | -0.1724% | 6,159 |
| Net operating income to assets | 1.4502% | 989 |
| Return on assets (ROA) | 1.5980% | 771 |
| Pretax return on assets | 1.5980% | 1,332 |
| Return on Equity (ROE) | 16.8116% | 511 |
| Retained earnings to average equity (ytd only) | 2.4276% | 4,506 |
| Net charge-offs to loans | 0.0608% | 2,513 |
| Credit loss provision to net charge-offs | -477.2727% | 5,203 |
| Earnings coverage of net charge-offs (x) | 35.3636% | 1,221 |
| Efficiency ratio | 68.4701% | 3,598 |
| Assets per employee ($millions) | 2.6449% | 5,956 |
| Cash dividends to net income (ytd only)* | 85.5601% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6293% | 5,929 |
| Loan loss allowance to noncurrent loans | 82.4653% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 0.8102% | 2,951 |
| Noncurrent loans to loans | 0.7631% | 3,209 |
| Net loans and leases to total assets | 60.9877% | 3,695 |
| Net loans and leases to deposits | 69.8914% | 3,945 |
| Net loans and leases to core deposits | 80.4957% | 3,335 |
| Total domestic deposits to total assets | 87.2605% | 2,031 |
| Equity capital to assets | 9.3619% | 4,830 |
| Core capital (leverage) ratio | 10.0068% | 3,592 |
| Tier 1 risk-based capital ratio | 14.8740% | 3,429 |
| Total risk-based capital ratio | 15.4456% | 3,744 |
| Memoranda: | ||
| Average total assets | $243,555,330 | 2,585 |
| Average earning assets | $228,090,670 | 2,558 |
| Average equity | $23,150,670 | 2,904 |
| Average total loans | $144,781,330 | 2,686 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3385% | 1,974 |
| Cost of funding earning assets | 0.6752% | 975 |
| Net interest margin | 3.6633% | 2,763 |
| Noninterest income to average assets | 0.6057% | 2,616 |
| Noninterest expense to average assets | 2.8472% | 3,079 |
| Loan and lease loss provision to assets | -0.5001% | 6,352 |
| Net operating income to assets | 1.6885% | 608 |
| Return on assets (ROA) | 1.7545% | 556 |
| Pretax return on assets | 1.7545% | 944 |
| Return on Equity (ROE) | 18.3181% | 364 |
| Retained earnings to average equity (ytd only) | 7.9786% | 1,581 |
| Net charge-offs to loans | 0.0254% | 2,653 |
| Credit loss provision to net charge-offs | -3,366.6667% | 5,226 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 595 |
| Efficiency ratio | 70.5521% | 3,386 |
| Assets per employee ($millions) | 2.9440% | 5,741 |
| Cash dividends to net income (ytd only)* | 56.4440% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6177% | 6,037 |
| Loan loss allowance to noncurrent loans | 101.4790% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.8246% | 3,035 |
| Noncurrent loans to loans | 0.6087% | 3,747 |
| Net loans and leases to total assets | 58.7321% | 3,841 |
| Net loans and leases to deposits | 67.1123% | 4,044 |
| Net loans and leases to core deposits | 77.2281% | 3,460 |
| Total domestic deposits to total assets | 87.5131% | 2,099 |
| Equity capital to assets | 9.8997% | 4,273 |
| Core capital (leverage) ratio | 10.3161% | 3,196 |
| Tier 1 risk-based capital ratio | 15.3378% | 3,239 |
| Total risk-based capital ratio | 15.8871% | 3,559 |
| Memoranda: | ||
| Average total assets | $242,345,000 | 2,616 |
| Average earning assets | $226,898,000 | 2,585 |
| Average equity | $23,212,000 | 2,916 |
| Average total loans | $141,689,500 | 2,737 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3076% | 2,583 |
| Cost of funding earning assets | 0.7078% | 1,060 |
| Net interest margin | 3.5998% | 3,413 |
| Noninterest income to average assets | 0.7175% | 2,225 |
| Noninterest expense to average assets | 2.7149% | 3,815 |
| Loan and lease loss provision to assets | 0.0519% | 3,517 |
| Net operating income to assets | 1.3240% | 1,255 |
| Return on assets (ROA) | 1.5858% | 763 |
| Pretax return on assets | 1.5858% | 1,280 |
| Return on Equity (ROE) | 19.3330% | 293 |
| Retained earnings to average equity (ytd only) | 0.4182% | 5,589 |
| Net charge-offs to loans | 0.1068% | 2,982 |
| Credit loss provision to net charge-offs | 86.9863% | 2,705 |
| Earnings coverage of net charge-offs (x) | 23.0753% | 1,605 |
| Efficiency ratio | 66.3672% | 4,186 |
| Assets per employee ($millions) | 2.7946% | 5,935 |
| Cash dividends to net income (ytd only)* | 97.8367% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8663% | 5,581 |
| Loan loss allowance to noncurrent loans | 105.9859% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.9595% | 2,839 |
| Noncurrent loans to loans | 0.8174% | 3,271 |
| Net loans and leases to total assets | 57.3234% | 4,149 |
| Net loans and leases to deposits | 65.0365% | 4,424 |
| Net loans and leases to core deposits | 74.7142% | 3,847 |
| Total domestic deposits to total assets | 88.1405% | 1,692 |
| Equity capital to assets | 9.2524% | 5,003 |
| Core capital (leverage) ratio | 10.0766% | 3,466 |
| Tier 1 risk-based capital ratio | 15.6326% | 3,171 |
| Total risk-based capital ratio | 16.4026% | 3,360 |
| Memoranda: | ||
| Average total assets | $244,866,800 | 2,574 |
| Average earning assets | $229,457,000 | 2,526 |
| Average equity | $20,084,800 | 3,150 |
| Average total loans | $136,645,600 | 2,750 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3061% | 2,607 |
| Cost of funding earning assets | 0.7109% | 1,103 |
| Net interest margin | 3.5951% | 3,449 |
| Noninterest income to average assets | 0.7106% | 2,275 |
| Noninterest expense to average assets | 2.7376% | 3,686 |
| Loan and lease loss provision to assets | -0.0266% | 6,121 |
| Net operating income to assets | 1.3707% | 1,192 |
| Return on assets (ROA) | 1.7219% | 613 |
| Pretax return on assets | 1.7219% | 1,027 |
| Return on Equity (ROE) | 21.6706% | 204 |
| Retained earnings to average equity (ytd only) | -3.5606% | 6,186 |
| Net charge-offs to loans | 0.0588% | 3,372 |
| Credit loss provision to net charge-offs | -81.6667% | 5,420 |
| Earnings coverage of net charge-offs (x) | 41.3323% | 1,100 |
| Efficiency ratio | 67.0694% | 4,033 |
| Assets per employee ($millions) | 2.8713% | 5,887 |
| Cash dividends to net income (ytd only)* | 116.4308% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7931% | 5,890 |
| Loan loss allowance to noncurrent loans | 75.3721% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 0.9064% | 3,177 |
| Noncurrent loans to loans | 1.0523% | 2,968 |
| Net loans and leases to total assets | 58.4708% | 4,006 |
| Net loans and leases to deposits | 66.6087% | 4,269 |
| Net loans and leases to core deposits | 75.7873% | 3,769 |
| Total domestic deposits to total assets | 87.7825% | 1,874 |
| Equity capital to assets | 8.8610% | 5,501 |
| Core capital (leverage) ratio | 9.7458% | 4,004 |
| Tier 1 risk-based capital ratio | 14.9988% | 3,589 |
| Total risk-based capital ratio | 15.6997% | 3,859 |
| Memoranda: | ||
| Average total assets | $245,999,000 | 2,574 |
| Average earning assets | $230,677,500 | 2,532 |
| Average equity | $19,546,750 | 3,217 |
| Average total loans | $136,063,500 | 2,775 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2823% | 2,649 |
| Cost of funding earning assets | 0.7177% | 1,104 |
| Net interest margin | 3.5646% | 3,512 |
| Noninterest income to average assets | 0.6662% | 2,453 |
| Noninterest expense to average assets | 2.6883% | 3,914 |
| Loan and lease loss provision to assets | 0.0314% | 3,653 |
| Net operating income to assets | 1.2914% | 1,336 |
| Return on assets (ROA) | 1.7975% | 511 |
| Pretax return on assets | 1.7975% | 849 |
| Return on Equity (ROE) | 23.4869% | 153 |
| Retained earnings to average equity (ytd only) | -12.2481% | 6,461 |
| Net charge-offs to loans | 0.0461% | 3,322 |
| Credit loss provision to net charge-offs | 125.8065% | 1,653 |
| Earnings coverage of net charge-offs (x) | 53.0323% | 880 |
| Efficiency ratio | 67.0211% | 4,191 |
| Assets per employee ($millions) | 2.9427% | 5,832 |
| Cash dividends to net income (ytd only)* | 152.1486% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9006% | 5,720 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.7304% | 3,785 |
| Noncurrent loans to loans | 0.9006% | 3,452 |
| Net loans and leases to total assets | 55.4573% | 4,353 |
| Net loans and leases to deposits | 63.0064% | 4,593 |
| Net loans and leases to core deposits | 70.5781% | 4,206 |
| Total domestic deposits to total assets | 88.0184% | 1,886 |
| Equity capital to assets | 8.2594% | 5,978 |
| Core capital (leverage) ratio | 9.1845% | 4,768 |
| Tier 1 risk-based capital ratio | 14.6776% | 3,824 |
| Total risk-based capital ratio | 15.4566% | 4,057 |
| Memoranda: | ||
| Average total assets | $248,560,670 | 2,557 |
| Average earning assets | $233,236,670 | 2,511 |
| Average equity | $19,023,330 | 3,284 |
| Average total loans | $134,598,670 | 2,801 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2356% | 2,740 |
| Cost of funding earning assets | 0.7261% | 1,099 |
| Net interest margin | 3.5096% | 3,650 |
| Noninterest income to average assets | 0.6190% | 2,620 |
| Noninterest expense to average assets | 2.7441% | 3,783 |
| Loan and lease loss provision to assets | 0.0367% | 3,327 |
| Net operating income to assets | 1.1311% | 1,697 |
| Return on assets (ROA) | 1.4502% | 930 |
| Pretax return on assets | 1.4502% | 1,587 |
| Return on Equity (ROE) | 19.7089% | 311 |
| Retained earnings to average equity (ytd only) | -34.5611% | 6,635 |
| Net charge-offs to loans | 0.0719% | 2,431 |
| Credit loss provision to net charge-offs | 95.8333% | 1,738 |
| Earnings coverage of net charge-offs (x) | 30.5000% | 1,043 |
| Efficiency ratio | 70.1468% | 3,819 |
| Assets per employee ($millions) | 3.0769% | 5,731 |
| Cash dividends to net income (ytd only)* | 275.3575% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9103% | 5,838 |
| Loan loss allowance to noncurrent loans | 92.9985% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.7721% | 3,814 |
| Noncurrent loans to loans | 0.9788% | 3,465 |
| Net loans and leases to total assets | 52.7231% | 4,572 |
| Net loans and leases to deposits | 60.6186% | 4,697 |
| Net loans and leases to core deposits | 65.5129% | 4,548 |
| Total domestic deposits to total assets | 86.9752% | 2,826 |
| Equity capital to assets | 7.4411% | 6,332 |
| Core capital (leverage) ratio | 8.9290% | 5,102 |
| Tier 1 risk-based capital ratio | 14.0514% | 4,303 |
| Total risk-based capital ratio | 14.8055% | 4,586 |
| Memoranda: | ||
| Average total assets | $250,720,000 | 2,548 |
| Average earning assets | $235,242,500 | 2,493 |
| Average equity | $18,448,500 | 3,360 |
| Average total loans | $133,557,500 | 2,828 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2494% | 3,153 |
| Cost of funding earning assets | 0.8717% | 856 |
| Net interest margin | 3.3777% | 4,373 |
| Noninterest income to average assets | 0.6704% | 2,701 |
| Noninterest expense to average assets | 2.8383% | 3,577 |
| Loan and lease loss provision to assets | 0.1106% | 2,961 |
| Net operating income to assets | 0.8692% | 2,929 |
| Return on assets (ROA) | 0.8936% | 2,904 |
| Pretax return on assets | 0.8936% | 3,791 |
| Return on Equity (ROE) | 10.4938% | 1,927 |
| Retained earnings to average equity (ytd only) | 6.1093% | 1,908 |
| Net charge-offs to loans | 0.1106% | 3,719 |
| Credit loss provision to net charge-offs | 192.8058% | 1,185 |
| Earnings coverage of net charge-offs (x) | 17.0863% | 1,742 |
| Efficiency ratio | 74.3382% | 3,076 |
| Assets per employee ($millions) | 3.0017% | 5,834 |
| Cash dividends to net income (ytd only)* | 41.7821% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 5,856 |
| Loan loss allowance to noncurrent loans | 97.9183% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.7526% | 4,002 |
| Noncurrent loans to loans | 0.9400% | 3,635 |
| Net loans and leases to total assets | 52.8416% | 4,744 |
| Net loans and leases to deposits | 58.5719% | 5,070 |
| Net loans and leases to core deposits | 62.9022% | 4,979 |
| Total domestic deposits to total assets | 90.2166% | 962 |
| Equity capital to assets | 7.2743% | 6,372 |
| Core capital (leverage) ratio | 9.5583% | 4,179 |
| Tier 1 risk-based capital ratio | 15.0555% | 3,636 |
| Total risk-based capital ratio | 15.8113% | 3,860 |
| Memoranda: | ||
| Average total assets | $242,401,800 | 2,600 |
| Average earning assets | $225,890,400 | 2,558 |
| Average equity | $20,640,800 | 3,086 |
| Average total loans | $125,730,400 | 2,919 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2288% | 3,280 |
| Cost of funding earning assets | 0.8841% | 888 |
| Net interest margin | 3.3447% | 4,482 |
| Noninterest income to average assets | 0.6918% | 2,653 |
| Noninterest expense to average assets | 2.9195% | 3,237 |
| Loan and lease loss provision to assets | 0.1202% | 2,790 |
| Net operating income to assets | 0.7616% | 3,547 |
| Return on assets (ROA) | 0.7893% | 3,540 |
| Pretax return on assets | 0.7893% | 4,337 |
| Return on Equity (ROE) | 8.9324% | 2,669 |
| Retained earnings to average equity (ytd only) | 3.8739% | 3,932 |
| Net charge-offs to loans | 0.1183% | 3,364 |
| Credit loss provision to net charge-offs | 197.2727% | 1,231 |
| Earnings coverage of net charge-offs (x) | 14.4730% | 1,943 |
| Efficiency ratio | 76.8031% | 2,595 |
| Assets per employee ($millions) | 2.9080% | 5,998 |
| Cash dividends to net income (ytd only)* | 56.6315% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 6,029 |
| Loan loss allowance to noncurrent loans | 84.6968% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 0.9042% | 3,870 |
| Noncurrent loans to loans | 1.0759% | 3,647 |
| Net loans and leases to total assets | 52.8366% | 4,771 |
| Net loans and leases to deposits | 58.8176% | 5,102 |
| Net loans and leases to core deposits | 63.2117% | 4,988 |
| Total domestic deposits to total assets | 89.8313% | 1,093 |
| Equity capital to assets | 7.5043% | 6,397 |
| Core capital (leverage) ratio | 9.6348% | 4,193 |
| Tier 1 risk-based capital ratio | 14.7620% | 3,907 |
| Total risk-based capital ratio | 15.5095% | 4,193 |
| Memoranda: | ||
| Average total assets | $240,718,000 | 2,637 |
| Average earning assets | $223,794,500 | 2,592 |
| Average equity | $21,270,250 | 3,048 |
| Average total loans | $123,945,250 | 2,979 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1903% | 3,415 |
| Cost of funding earning assets | 0.8937% | 929 |
| Net interest margin | 3.2966% | 4,600 |
| Noninterest income to average assets | 0.6925% | 2,677 |
| Noninterest expense to average assets | 2.8244% | 3,592 |
| Loan and lease loss provision to assets | 0.1677% | 2,238 |
| Net operating income to assets | 0.7587% | 3,518 |
| Return on assets (ROA) | 0.8006% | 3,445 |
| Pretax return on assets | 0.8006% | 4,309 |
| Return on Equity (ROE) | 8.6124% | 2,790 |
| Retained earnings to average equity (ytd only) | 3.2916% | 4,213 |
| Net charge-offs to loans | 0.1418% | 2,962 |
| Credit loss provision to net charge-offs | 232.5581% | 1,068 |
| Earnings coverage of net charge-offs (x) | 12.8488% | 1,950 |
| Efficiency ratio | 75.3017% | 2,896 |
| Assets per employee ($millions) | 2.9294% | 5,968 |
| Cash dividends to net income (ytd only)* | 61.7801% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 5,982 |
| Loan loss allowance to noncurrent loans | 131.0195% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.8555% | 4,107 |
| Noncurrent loans to loans | 0.7272% | 4,472 |
| Net loans and leases to total assets | 52.2782% | 4,820 |
| Net loans and leases to deposits | 59.2035% | 5,052 |
| Net loans and leases to core deposits | 60.8768% | 5,185 |
| Total domestic deposits to total assets | 88.3025% | 2,044 |
| Equity capital to assets | 8.1598% | 6,086 |
| Core capital (leverage) ratio | 9.6822% | 3,963 |
| Tier 1 risk-based capital ratio | 15.0505% | 3,748 |
| Total risk-based capital ratio | 15.8253% | 4,017 |
| Memoranda: | ||
| Average total assets | $238,564,330 | 2,664 |
| Average earning assets | $221,320,670 | 2,625 |
| Average equity | $22,177,330 | 2,964 |
| Average total loans | $121,326,330 | 3,045 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0608% | 3,885 |
| Cost of funding earning assets | 0.9030% | 974 |
| Net interest margin | 3.1578% | 5,067 |
| Noninterest income to average assets | 0.9170% | 1,704 |
| Noninterest expense to average assets | 2.9511% | 3,156 |
| Loan and lease loss provision to assets | -0.0690% | 6,811 |
| Net operating income to assets | 0.9590% | 2,406 |
| Return on assets (ROA) | 0.9590% | 2,538 |
| Pretax return on assets | 0.9590% | 3,530 |
| Return on Equity (ROE) | 9.7164% | 2,180 |
| Retained earnings to average equity (ytd only) | 8.2675% | 1,653 |
| Net charge-offs to loans | 0.0506% | 3,323 |
| Credit loss provision to net charge-offs | -273.3333% | 5,333 |
| Earnings coverage of net charge-offs (x) | 35.2667% | 871 |
| Efficiency ratio | 76.8287% | 2,791 |
| Assets per employee ($millions) | 2.9182% | 6,124 |
| Cash dividends to net income (ytd only)* | 14.9123% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8628% | 6,342 |
| Loan loss allowance to noncurrent loans | 179.5848% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.9035% | 4,132 |
| Noncurrent loans to loans | 0.4804% | 5,220 |
| Net loans and leases to total assets | 49.8425% | 5,014 |
| Net loans and leases to deposits | 57.2016% | 5,115 |
| Net loans and leases to core deposits | 58.1961% | 5,333 |
| Total domestic deposits to total assets | 87.1347% | 2,877 |
| Equity capital to assets | 9.8870% | 4,293 |
| Core capital (leverage) ratio | 10.0787% | 3,296 |
| Tier 1 risk-based capital ratio | 15.4022% | 3,592 |
| Total risk-based capital ratio | 16.0802% | 3,916 |
| Memoranda: | ||
| Average total assets | $237,740,000 | 2,700 |
| Average earning assets | $220,151,500 | 2,665 |
| Average equity | $23,465,500 | 2,858 |
| Average total loans | $118,596,000 | 3,113 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4405% | 3,653 |
| Cost of funding earning assets | 1.1143% | 857 |
| Net interest margin | 3.3262% | 5,156 |
| Noninterest income to average assets | 0.8038% | 2,252 |
| Noninterest expense to average assets | 2.9413% | 3,499 |
| Loan and lease loss provision to assets | 0.0363% | 5,433 |
| Net operating income to assets | 0.8963% | 2,839 |
| Return on assets (ROA) | 1.0013% | 2,553 |
| Pretax return on assets | 1.0013% | 3,545 |
| Return on Equity (ROE) | 10.2520% | 2,071 |
| Retained earnings to average equity (ytd only) | 6.0707% | 2,036 |
| Net charge-offs to loans | 0.1506% | 4,185 |
| Credit loss provision to net charge-offs | 47.4576% | 4,755 |
| Earnings coverage of net charge-offs (x) | 12.1921% | 1,956 |
| Efficiency ratio | 75.9259% | 2,758 |
| Assets per employee ($millions) | 2.9897% | 6,030 |
| Cash dividends to net income (ytd only)* | 40.7855% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 6,171 |
| Loan loss allowance to noncurrent loans | 152.7933% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 1.0496% | 3,933 |
| Noncurrent loans to loans | 0.6126% | 4,982 |
| Net loans and leases to total assets | 49.0249% | 5,304 |
| Net loans and leases to deposits | 56.0917% | 5,439 |
| Net loans and leases to core deposits | 57.2790% | 5,612 |
| Total domestic deposits to total assets | 87.4015% | 2,576 |
| Equity capital to assets | 9.8533% | 4,373 |
| Core capital (leverage) ratio | 9.9537% | 3,462 |
| Tier 1 risk-based capital ratio | 17.0956% | 2,604 |
| Total risk-based capital ratio | 17.9053% | 2,786 |
| Memoranda: | ||
| Average total assets | $231,392,400 | 2,706 |
| Average earning assets | $213,578,600 | 2,690 |
| Average equity | $22,600,400 | 2,900 |
| Average total loans | $117,547,400 | 3,135 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5616% | 3,376 |
| Cost of funding earning assets | 1.1509% | 863 |
| Net interest margin | 3.4107% | 4,998 |
| Noninterest income to average assets | 0.7315% | 2,559 |
| Noninterest expense to average assets | 2.9424% | 3,436 |
| Loan and lease loss provision to assets | 0.0487% | 5,161 |
| Net operating income to assets | 0.8868% | 3,047 |
| Return on assets (ROA) | 0.9881% | 2,795 |
| Pretax return on assets | 0.9881% | 3,762 |
| Return on Equity (ROE) | 10.1398% | 2,282 |
| Retained earnings to average equity (ytd only) | 5.6761% | 2,910 |
| Net charge-offs to loans | 0.1767% | 3,695 |
| Credit loss provision to net charge-offs | 53.8462% | 4,306 |
| Earnings coverage of net charge-offs (x) | 10.3528% | 2,197 |
| Efficiency ratio | 75.8775% | 2,696 |
| Assets per employee ($millions) | 2.8802% | 6,245 |
| Cash dividends to net income (ytd only)* | 44.0212% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9325% | 6,291 |
| Loan loss allowance to noncurrent loans | 142.4010% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 1.2226% | 3,850 |
| Noncurrent loans to loans | 0.6548% | 5,139 |
| Net loans and leases to total assets | 51.4116% | 5,126 |
| Net loans and leases to deposits | 59.0620% | 5,312 |
| Net loans and leases to core deposits | 60.2157% | 5,535 |
| Total domestic deposits to total assets | 87.0469% | 2,640 |
| Equity capital to assets | 10.0844% | 4,382 |
| Core capital (leverage) ratio | 9.9477% | 3,619 |
| Tier 1 risk-based capital ratio | 17.0976% | 2,693 |
| Total risk-based capital ratio | 17.9380% | 2,866 |
| Memoranda: | ||
| Average total assets | $230,194,000 | 2,748 |
| Average earning assets | $212,346,000 | 2,730 |
| Average equity | $22,432,500 | 2,947 |
| Average total loans | $117,713,250 | 3,167 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5060% | 3,742 |
| Cost of funding earning assets | 1.1783% | 901 |
| Net interest margin | 3.3277% | 5,357 |
| Noninterest income to average assets | 0.7353% | 2,494 |
| Noninterest expense to average assets | 2.8941% | 3,645 |
| Loan and lease loss provision to assets | 0.0452% | 5,110 |
| Net operating income to assets | 0.8665% | 3,057 |
| Return on assets (ROA) | 1.0186% | 2,612 |
| Pretax return on assets | 1.0186% | 3,641 |
| Return on Equity (ROE) | 10.5754% | 2,142 |
| Retained earnings to average equity (ytd only) | 4.9268% | 3,321 |
| Net charge-offs to loans | 0.2220% | 3,243 |
| Credit loss provision to net charge-offs | 40.0000% | 4,261 |
| Earnings coverage of net charge-offs (x) | 8.0692% | 2,367 |
| Efficiency ratio | 76.0448% | 2,738 |
| Assets per employee ($millions) | 2.6326% | 6,622 |
| Cash dividends to net income (ytd only)* | 53.4130% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 6,350 |
| Loan loss allowance to noncurrent loans | 114.6846% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 1.3491% | 3,742 |
| Noncurrent loans to loans | 0.8203% | 4,876 |
| Net loans and leases to total assets | 50.9859% | 5,224 |
| Net loans and leases to deposits | 58.4227% | 5,402 |
| Net loans and leases to core deposits | 59.6702% | 5,624 |
| Total domestic deposits to total assets | 87.2707% | 2,615 |
| Equity capital to assets | 9.8984% | 4,492 |
| Core capital (leverage) ratio | 9.6795% | 3,868 |
| Tier 1 risk-based capital ratio | 16.8109% | 2,754 |
| Total risk-based capital ratio | 17.6479% | 2,927 |
| Memoranda: | ||
| Average total assets | $230,120,330 | 2,751 |
| Average earning assets | $212,338,000 | 2,730 |
| Average equity | $22,164,670 | 2,968 |
| Average total loans | $117,092,670 | 3,194 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5191% | 3,840 |
| Cost of funding earning assets | 1.1894% | 1,036 |
| Net interest margin | 3.3297% | 5,366 |
| Noninterest income to average assets | 0.6330% | 3,041 |
| Noninterest expense to average assets | 2.8631% | 3,774 |
| Loan and lease loss provision to assets | 0.1942% | 3,000 |
| Net operating income to assets | 0.6486% | 4,125 |
| Return on assets (ROA) | 0.9520% | 2,888 |
| Pretax return on assets | 0.9520% | 3,856 |
| Return on Equity (ROE) | 10.0221% | 2,399 |
| Retained earnings to average equity (ytd only) | 10.0221% | 1,264 |
| Net charge-offs to loans | 0.2399% | 2,735 |
| Credit loss provision to net charge-offs | 160.0000% | 1,582 |
| Earnings coverage of net charge-offs (x) | 6.9429% | 2,138 |
| Efficiency ratio | 77.2578% | 2,609 |
| Assets per employee ($millions) | 2.7560% | 6,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 6,034 |
| Loan loss allowance to noncurrent loans | 151.1685% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 1.2807% | 4,002 |
| Noncurrent loans to loans | 0.7025% | 5,256 |
| Net loans and leases to total assets | 49.4573% | 5,378 |
| Net loans and leases to deposits | 56.4915% | 5,549 |
| Net loans and leases to core deposits | 58.6839% | 5,656 |
| Total domestic deposits to total assets | 87.5481% | 2,622 |
| Equity capital to assets | 9.6792% | 4,552 |
| Core capital (leverage) ratio | 9.7877% | 3,660 |
| Tier 1 risk-based capital ratio | 16.8459% | 2,740 |
| Total risk-based capital ratio | 17.7753% | 2,864 |
| Memoranda: | ||
| Average total assets | $230,661,500 | 2,761 |
| Average earning assets | $212,872,000 | 2,736 |
| Average equity | $21,911,500 | 2,984 |
| Average total loans | $116,696,000 | 3,215 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5843% | 986 |
| Cost of funding earning assets | 1.3689% | 1,167 |
| Net interest margin | 4.2154% | 2,006 |
| Noninterest income to average assets | 0.7287% | 2,452 |
| Noninterest expense to average assets | 2.9213% | 3,875 |
| Loan and lease loss provision to assets | 0.0108% | 6,400 |
| Net operating income to assets | 1.6912% | 560 |
| Return on assets (ROA) | 1.4068% | 1,097 |
| Pretax return on assets | 1.4068% | 1,766 |
| Return on Equity (ROE) | 15.8970% | 617 |
| Retained earnings to average equity (ytd only) | 9.6733% | 636 |
| Net charge-offs to loans | 0.1588% | 4,876 |
| Credit loss provision to net charge-offs | 13.3690% | 5,988 |
| Earnings coverage of net charge-offs (x) | 21.0214% | 1,111 |
| Efficiency ratio | 63.1860% | 5,261 |
| Assets per employee ($millions) | 2.7359% | 6,554 |
| Cash dividends to net income (ytd only)* | 39.1505% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 6,175 |
| Loan loss allowance to noncurrent loans | 126.8162% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 1.4368% | 3,831 |
| Noncurrent loans to loans | 0.7955% | 5,098 |
| Net loans and leases to total assets | 50.6836% | 5,503 |
| Net loans and leases to deposits | 57.7226% | 5,722 |
| Net loans and leases to core deposits | 61.3687% | 5,717 |
| Total domestic deposits to total assets | 87.8055% | 2,275 |
| Equity capital to assets | 9.3183% | 5,123 |
| Core capital (leverage) ratio | 9.3090% | 4,314 |
| Tier 1 risk-based capital ratio | 13.8473% | 4,444 |
| Total risk-based capital ratio | 14.6037% | 4,775 |
| Memoranda: | ||
| Average total assets | $230,955,200 | 2,713 |
| Average earning assets | $213,383,800 | 2,696 |
| Average equity | $20,437,800 | 3,079 |
| Average total loans | $117,728,200 | 3,221 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7603% | 761 |
| Cost of funding earning assets | 1.3970% | 1,244 |
| Net interest margin | 4.3632% | 1,518 |
| Noninterest income to average assets | 0.7784% | 2,152 |
| Noninterest expense to average assets | 2.9614% | 3,699 |
| Loan and lease loss provision to assets | 0.0029% | 6,380 |
| Net operating income to assets | 1.8480% | 472 |
| Return on assets (ROA) | 2.3346% | 212 |
| Pretax return on assets | 2.3346% | 344 |
| Return on Equity (ROE) | 26.7340% | 98 |
| Retained earnings to average equity (ytd only) | 18.9957% | 90 |
| Net charge-offs to loans | 0.1325% | 4,727 |
| Credit loss provision to net charge-offs | 4.2735% | 5,709 |
| Earnings coverage of net charge-offs (x) | 27.4352% | 993 |
| Efficiency ratio | 61.5385% | 5,484 |
| Assets per employee ($millions) | 2.7878% | 6,509 |
| Cash dividends to net income (ytd only)* | 28.9455% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 6,166 |
| Loan loss allowance to noncurrent loans | 110.2496% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.8635% | 5,024 |
| Noncurrent loans to loans | 0.9253% | 5,029 |
| Net loans and leases to total assets | 51.8709% | 5,465 |
| Net loans and leases to deposits | 59.2240% | 5,727 |
| Net loans and leases to core deposits | 65.4219% | 5,482 |
| Total domestic deposits to total assets | 87.5843% | 2,302 |
| Equity capital to assets | 9.4963% | 5,094 |
| Core capital (leverage) ratio | 9.6615% | 3,898 |
| Tier 1 risk-based capital ratio | 13.8967% | 4,420 |
| Total risk-based capital ratio | 14.6564% | 4,773 |
| Memoranda: | ||
| Average total assets | $231,240,000 | 2,721 |
| Average earning assets | $213,781,500 | 2,700 |
| Average equity | $20,193,500 | 3,116 |
| Average total loans | $117,743,750 | 3,247 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6701% | 926 |
| Cost of funding earning assets | 1.4358% | 1,253 |
| Net interest margin | 4.2343% | 1,901 |
| Noninterest income to average assets | 0.9741% | 1,398 |
| Noninterest expense to average assets | 2.9318% | 3,893 |
| Loan and lease loss provision to assets | -0.0623% | 7,403 |
| Net operating income to assets | 2.0130% | 335 |
| Return on assets (ROA) | 2.0416% | 338 |
| Pretax return on assets | 2.0416% | 547 |
| Return on Equity (ROE) | 24.0812% | 158 |
| Retained earnings to average equity (ytd only) | 16.9997% | 167 |
| Net charge-offs to loans | 0.0875% | 4,778 |
| Credit loss provision to net charge-offs | -141.1765% | 6,345 |
| Earnings coverage of net charge-offs (x) | 44.2157% | 689 |
| Efficiency ratio | 60.0461% | 5,864 |
| Assets per employee ($millions) | 2.8155% | 6,447 |
| Cash dividends to net income (ytd only)* | 29.4068% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 6,217 |
| Loan loss allowance to noncurrent loans | 101.6584% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.9787% | 4,906 |
| Noncurrent loans to loans | 1.0126% | 4,970 |
| Net loans and leases to total assets | 50.4382% | 5,764 |
| Net loans and leases to deposits | 57.2294% | 6,028 |
| Net loans and leases to core deposits | 65.3110% | 5,579 |
| Total domestic deposits to total assets | 88.1333% | 2,054 |
| Equity capital to assets | 9.0441% | 5,513 |
| Core capital (leverage) ratio | 9.0951% | 4,576 |
| Tier 1 risk-based capital ratio | 13.2737% | 4,710 |
| Total risk-based capital ratio | 14.0336% | 5,075 |
| Memoranda: | ||
| Average total assets | $231,192,000 | 2,745 |
| Average earning assets | $213,400,670 | 2,720 |
| Average equity | $19,600,330 | 3,185 |
| Average total loans | $116,572,330 | 3,307 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6196% | 1,022 |
| Cost of funding earning assets | 1.4581% | 1,340 |
| Net interest margin | 4.1615% | 2,029 |
| Noninterest income to average assets | 1.0316% | 1,236 |
| Noninterest expense to average assets | 2.9016% | 4,052 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.9727% | 362 |
| Return on assets (ROA) | 2.0301% | 349 |
| Pretax return on assets | 2.0301% | 527 |
| Return on Equity (ROE) | 24.7863% | 172 |
| Retained earnings to average equity (ytd only) | 21.2818% | 149 |
| Net charge-offs to loans | 0.0486% | 4,455 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 374 |
| Efficiency ratio | 59.5289% | 6,054 |
| Assets per employee ($millions) | 2.8280% | 6,481 |
| Cash dividends to net income (ytd only)* | 14.1388% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 5,819 |
| Loan loss allowance to noncurrent loans | 62.8531% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.3297% | 4,308 |
| Noncurrent loans to loans | 1.8390% | 3,780 |
| Net loans and leases to total assets | 48.6380% | 6,000 |
| Net loans and leases to deposits | 54.6059% | 6,244 |
| Net loans and leases to core deposits | 62.2823% | 5,899 |
| Total domestic deposits to total assets | 89.0709% | 1,730 |
| Equity capital to assets | 8.1441% | 6,349 |
| Core capital (leverage) ratio | 8.9947% | 4,622 |
| Tier 1 risk-based capital ratio | 12.7838% | 4,986 |
| Total risk-based capital ratio | 13.6062% | 5,383 |
| Memoranda: | ||
| Average total assets | $229,944,000 | 2,773 |
| Average earning assets | $212,329,000 | 2,753 |
| Average equity | $18,833,000 | 3,277 |
| Average total loans | $115,311,500 | 3,361 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7270% | 1,479 |
| Cost of funding earning assets | 1.6153% | 1,978 |
| Net interest margin | 4.1117% | 2,514 |
| Noninterest income to average assets | 1.0968% | 1,238 |
| Noninterest expense to average assets | 3.0022% | 3,846 |
| Loan and lease loss provision to assets | 0.4674% | 3,330 |
| Net operating income to assets | 1.4524% | 849 |
| Return on assets (ROA) | 1.5101% | 808 |
| Pretax return on assets | 1.5101% | 1,346 |
| Return on Equity (ROE) | 16.9794% | 479 |
| Retained earnings to average equity (ytd only) | 4.2838% | 2,844 |
| Net charge-offs to loans | 0.4671% | 3,748 |
| Credit loss provision to net charge-offs | 192.3954% | 1,661 |
| Earnings coverage of net charge-offs (x) | 7.9030% | 2,046 |
| Efficiency ratio | 60.9964% | 5,896 |
| Assets per employee ($millions) | 2.6490% | 6,769 |
| Cash dividends to net income (ytd only)* | 74.7706% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 5,637 |
| Loan loss allowance to noncurrent loans | 62.3671% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.3790% | 4,279 |
| Noncurrent loans to loans | 1.8788% | 3,713 |
| Net loans and leases to total assets | 50.5294% | 6,114 |
| Net loans and leases to deposits | 56.8921% | 6,364 |
| Net loans and leases to core deposits | 65.1546% | 5,957 |
| Total domestic deposits to total assets | 88.8163% | 1,762 |
| Equity capital to assets | 8.2384% | 6,218 |
| Core capital (leverage) ratio | 8.9138% | 4,671 |
| Tier 1 risk-based capital ratio | 12.5985% | 4,938 |
| Total risk-based capital ratio | 13.4590% | 5,264 |
| Memoranda: | ||
| Average total assets | $216,537,600 | 2,909 |
| Average earning assets | $201,450,800 | 2,858 |
| Average equity | $19,258,600 | 3,248 |
| Average total loans | $112,621,600 | 3,480 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7312% | 1,603 |
| Cost of funding earning assets | 1.6357% | 2,178 |
| Net interest margin | 4.0955% | 2,643 |
| Noninterest income to average assets | 1.4186% | 674 |
| Noninterest expense to average assets | 2.8205% | 4,404 |
| Loan and lease loss provision to assets | 0.6294% | 2,419 |
| Net operating income to assets | 1.7918% | 518 |
| Return on assets (ROA) | 1.8689% | 484 |
| Pretax return on assets | 1.8689% | 814 |
| Return on Equity (ROE) | 20.6144% | 280 |
| Retained earnings to average equity (ytd only) | 4.3767% | 3,416 |
| Net charge-offs to loans | 0.2286% | 4,561 |
| Credit loss provision to net charge-offs | 527.0833% | 551 |
| Earnings coverage of net charge-offs (x) | 20.2763% | 1,174 |
| Efficiency ratio | 53.8087% | 6,804 |
| Assets per employee ($millions) | 2.7543% | 6,678 |
| Cash dividends to net income (ytd only)* | 78.7686% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 4,186 |
| Loan loss allowance to noncurrent loans | 243.5601% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.9385% | 5,222 |
| Noncurrent loans to loans | 0.5971% | 6,017 |
| Net loans and leases to total assets | 52.4121% | 6,057 |
| Net loans and leases to deposits | 60.0821% | 6,309 |
| Net loans and leases to core deposits | 69.8096% | 5,768 |
| Total domestic deposits to total assets | 87.2342% | 2,407 |
| Equity capital to assets | 9.7055% | 4,541 |
| Core capital (leverage) ratio | 9.1741% | 4,417 |
| Tier 1 risk-based capital ratio | 12.7736% | 4,754 |
| Total risk-based capital ratio | 13.8724% | 4,855 |
| Memoranda: | ||
| Average total assets | $214,380,500 | 2,984 |
| Average earning assets | $200,115,500 | 2,918 |
| Average equity | $19,435,750 | 3,261 |
| Average total loans | $111,996,000 | 3,556 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6359% | 1,998 |
| Cost of funding earning assets | 1.6332% | 2,461 |
| Net interest margin | 4.0027% | 3,006 |
| Noninterest income to average assets | 1.2217% | 867 |
| Noninterest expense to average assets | 2.7622% | 4,652 |
| Loan and lease loss provision to assets | 0.0488% | 6,480 |
| Net operating income to assets | 2.1724% | 246 |
| Return on assets (ROA) | 2.2802% | 219 |
| Pretax return on assets | 2.2802% | 352 |
| Return on Equity (ROE) | 25.7695% | 111 |
| Retained earnings to average equity (ytd only) | 5.1285% | 2,829 |
| Net charge-offs to loans | 0.1427% | 4,797 |
| Credit loss provision to net charge-offs | 65.8228% | 5,080 |
| Earnings coverage of net charge-offs (x) | 29.9873% | 924 |
| Efficiency ratio | 55.4280% | 6,712 |
| Assets per employee ($millions) | 2.9654% | 6,214 |
| Cash dividends to net income (ytd only)* | 80.0987% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7339% | 7,178 |
| Loan loss allowance to noncurrent loans | 108.8542% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 1.0276% | 5,084 |
| Noncurrent loans to loans | 0.6742% | 5,904 |
| Net loans and leases to total assets | 51.5280% | 6,262 |
| Net loans and leases to deposits | 59.8833% | 6,424 |
| Net loans and leases to core deposits | 69.3740% | 5,934 |
| Total domestic deposits to total assets | 86.0473% | 3,052 |
| Equity capital to assets | 9.1026% | 5,290 |
| Core capital (leverage) ratio | 8.9969% | 4,606 |
| Tier 1 risk-based capital ratio | 13.2732% | 4,229 |
| Total risk-based capital ratio | 13.8449% | 4,743 |
| Memoranda: | ||
| Average total assets | $213,311,000 | 3,018 |
| Average earning assets | $200,466,000 | 2,944 |
| Average equity | $18,875,000 | 3,318 |
| Average total loans | $110,752,670 | 3,612 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5921% | 2,181 |
| Cost of funding earning assets | 1.6960% | 2,412 |
| Net interest margin | 3.8960% | 3,348 |
| Noninterest income to average assets | 0.7572% | 2,257 |
| Noninterest expense to average assets | 2.6445% | 5,168 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7751% | 522 |
| Return on assets (ROA) | 1.9330% | 427 |
| Pretax return on assets | 1.9330% | 690 |
| Return on Equity (ROE) | 22.1774% | 265 |
| Retained earnings to average equity (ytd only) | 3.6235% | 3,980 |
| Net charge-offs to loans | 0.1502% | 4,035 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 22.7561% | 1,079 |
| Efficiency ratio | 59.8364% | 6,206 |
| Assets per employee ($millions) | 3.0519% | 6,099 |
| Cash dividends to net income (ytd only)* | 83.6614% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7548% | 7,233 |
| Loan loss allowance to noncurrent loans | 114.8045% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.8824% | 5,394 |
| Noncurrent loans to loans | 0.6574% | 6,005 |
| Net loans and leases to total assets | 49.1893% | 6,557 |
| Net loans and leases to deposits | 57.1065% | 6,688 |
| Net loans and leases to core deposits | 67.6544% | 6,132 |
| Total domestic deposits to total assets | 86.1360% | 3,078 |
| Equity capital to assets | 8.4329% | 6,101 |
| Core capital (leverage) ratio | 9.1192% | 4,336 |
| Tier 1 risk-based capital ratio | 14.0539% | 3,623 |
| Total risk-based capital ratio | 14.6590% | 4,001 |
| Memoranda: | ||
| Average total assets | $210,245,500 | 3,096 |
| Average earning assets | $197,637,000 | 3,032 |
| Average equity | $18,325,000 | 3,432 |
| Average total loans | $109,174,000 | 3,701 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9838% | 1,932 |
| Cost of funding earning assets | 2.1581% | 2,199 |
| Net interest margin | 3.8257% | 3,595 |
| Noninterest income to average assets | 1.6616% | 523 |
| Noninterest expense to average assets | 2.9181% | 4,471 |
| Loan and lease loss provision to assets | 0.1531% | 6,140 |
| Net operating income to assets | 2.1883% | 151 |
| Return on assets (ROA) | 2.3894% | 114 |
| Pretax return on assets | 2.3894% | 187 |
| Return on Equity (ROE) | 28.5102% | 57 |
| Retained earnings to average equity (ytd only) | 20.6854% | 35 |
| Net charge-offs to loans | 0.1455% | 5,786 |
| Credit loss provision to net charge-offs | 186.3354% | 2,177 |
| Earnings coverage of net charge-offs (x) | 28.4969% | 803 |
| Efficiency ratio | 55.4822% | 7,073 |
| Assets per employee ($millions) | 2.9523% | 6,343 |
| Cash dividends to net income (ytd only)* | 27.4455% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7886% | 7,165 |
| Loan loss allowance to noncurrent loans | 59.2720% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.0630% | 4,972 |
| Noncurrent loans to loans | 1.3304% | 4,702 |
| Net loans and leases to total assets | 54.0841% | 6,189 |
| Net loans and leases to deposits | 61.6270% | 6,502 |
| Net loans and leases to core deposits | 91.3340% | 4,970 |
| Total domestic deposits to total assets | 87.7603% | 2,087 |
| Equity capital to assets | 9.0259% | 5,104 |
| Core capital (leverage) ratio | 9.4540% | 3,778 |
| Tier 1 risk-based capital ratio | 15.6275% | 2,663 |
| Total risk-based capital ratio | 16.3401% | 2,848 |
| Memoranda: | ||
| Average total assets | $195,950,600 | 3,228 |
| Average earning assets | $184,280,200 | 3,164 |
| Average equity | $16,422,200 | 3,796 |
| Average total loans | $110,639,200 | 3,680 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0634% | 1,789 |
| Cost of funding earning assets | 2.2524% | 2,177 |
| Net interest margin | 3.8110% | 3,611 |
| Noninterest income to average assets | 0.8250% | 2,314 |
| Noninterest expense to average assets | 2.6837% | 5,393 |
| Loan and lease loss provision to assets | 0.2054% | 5,346 |
| Net operating income to assets | 1.5199% | 781 |
| Return on assets (ROA) | 1.6896% | 604 |
| Pretax return on assets | 1.6896% | 991 |
| Return on Equity (ROE) | 20.5690% | 283 |
| Retained earnings to average equity (ytd only) | 10.4262% | 553 |
| Net charge-offs to loans | 0.1118% | 5,562 |
| Credit loss provision to net charge-offs | 322.5806% | 1,271 |
| Earnings coverage of net charge-offs (x) | 27.0961% | 1,004 |
| Efficiency ratio | 60.8696% | 6,299 |
| Assets per employee ($millions) | 2.7885% | 6,664 |
| Cash dividends to net income (ytd only)* | 49.3114% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8208% | 7,054 |
| Loan loss allowance to noncurrent loans | 239.3316% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.5882% | 5,979 |
| Noncurrent loans to loans | 0.3429% | 6,671 |
| Net loans and leases to total assets | 56.0340% | 6,137 |
| Net loans and leases to deposits | 63.9784% | 6,489 |
| Net loans and leases to core deposits | 92.7567% | 5,159 |
| Total domestic deposits to total assets | 87.5827% | 1,852 |
| Equity capital to assets | 9.0995% | 5,340 |
| Core capital (leverage) ratio | 8.4382% | 5,597 |
| Tier 1 risk-based capital ratio | 12.7394% | 4,358 |
| Total risk-based capital ratio | 13.4463% | 4,747 |
| Memoranda: | ||
| Average total assets | $194,749,250 | 3,258 |
| Average earning assets | $183,148,250 | 3,203 |
| Average equity | $15,997,750 | 3,914 |
| Average total loans | $110,939,000 | 3,719 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0573% | 1,955 |
| Cost of funding earning assets | 2.3419% | 2,195 |
| Net interest margin | 3.7153% | 3,889 |
| Noninterest income to average assets | 0.6745% | 3,161 |
| Noninterest expense to average assets | 2.7176% | 5,313 |
| Loan and lease loss provision to assets | 0.2324% | 4,724 |
| Net operating income to assets | 1.2192% | 1,428 |
| Return on assets (ROA) | 1.4766% | 941 |
| Pretax return on assets | 1.4766% | 1,506 |
| Return on Equity (ROE) | 18.6737% | 434 |
| Retained earnings to average equity (ytd only) | 8.3198% | 1,117 |
| Net charge-offs to loans | 0.0817% | 5,387 |
| Credit loss provision to net charge-offs | 497.7778% | 937 |
| Earnings coverage of net charge-offs (x) | 31.0889% | 975 |
| Efficiency ratio | 65.1817% | 5,680 |
| Assets per employee ($millions) | 2.8118% | 6,597 |
| Cash dividends to net income (ytd only)* | 55.4462% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8088% | 7,122 |
| Loan loss allowance to noncurrent loans | 266.3717% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 5,795 |
| Noncurrent loans to loans | 0.3036% | 6,757 |
| Net loans and leases to total assets | 56.2637% | 6,180 |
| Net loans and leases to deposits | 63.3618% | 6,626 |
| Net loans and leases to core deposits | 90.5723% | 5,488 |
| Total domestic deposits to total assets | 88.7975% | 1,373 |
| Equity capital to assets | 7.7918% | 6,994 |
| Core capital (leverage) ratio | 8.1217% | 6,121 |
| Tier 1 risk-based capital ratio | 12.5817% | 4,454 |
| Total risk-based capital ratio | 13.2847% | 4,811 |
| Memoranda: | ||
| Average total assets | $192,742,670 | 3,312 |
| Average earning assets | $181,302,000 | 3,243 |
| Average equity | $15,240,670 | 4,072 |
| Average total loans | $110,108,670 | 3,764 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9229% | 2,683 |
| Cost of funding earning assets | 2.4049% | 2,273 |
| Net interest margin | 3.5180% | 4,658 |
| Noninterest income to average assets | 0.7048% | 2,861 |
| Noninterest expense to average assets | 2.4142% | 6,144 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5983% | 789 |
| Return on assets (ROA) | 1.6088% | 847 |
| Pretax return on assets | 1.6088% | 1,382 |
| Return on Equity (ROE) | 20.1935% | 409 |
| Retained earnings to average equity (ytd only) | 16.9025% | 281 |
| Net charge-offs to loans | -0.1390% | 7,956 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1673% | 6,382 |
| Assets per employee ($millions) | 2.6770% | 6,933 |
| Cash dividends to net income (ytd only)* | 16.2973% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6978% | 7,442 |
| Loan loss allowance to noncurrent loans | 114.0719% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.7732% | 5,237 |
| Noncurrent loans to loans | 0.6117% | 5,870 |
| Net loans and leases to total assets | 55.4886% | 6,309 |
| Net loans and leases to deposits | 62.5138% | 6,691 |
| Net loans and leases to core deposits | 91.7977% | 5,366 |
| Total domestic deposits to total assets | 88.7623% | 1,355 |
| Equity capital to assets | 7.8809% | 6,971 |
| Core capital (leverage) ratio | 8.4128% | 5,694 |
| Tier 1 risk-based capital ratio | 13.8973% | 3,647 |
| Total risk-based capital ratio | 14.5521% | 3,913 |
| Memoranda: | ||
| Average total assets | $190,702,500 | 3,353 |
| Average earning assets | $179,304,000 | 3,288 |
| Average equity | $15,193,000 | 4,107 |
| Average total loans | $109,341,500 | 3,799 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5790% | 2,586 |
| Cost of funding earning assets | 2.9471% | 2,069 |
| Net interest margin | 3.6319% | 4,746 |
| Noninterest income to average assets | 0.7975% | 2,529 |
| Noninterest expense to average assets | 2.7868% | 4,878 |
| Loan and lease loss provision to assets | 0.1864% | 5,027 |
| Net operating income to assets | 1.2362% | 1,663 |
| Return on assets (ROA) | 1.2683% | 1,522 |
| Pretax return on assets | 1.2683% | 2,414 |
| Return on Equity (ROE) | 16.4278% | 710 |
| Retained earnings to average equity (ytd only) | 5.0088% | 2,024 |
| Net charge-offs to loans | 0.3487% | 3,088 |
| Credit loss provision to net charge-offs | 90.6250% | 5,668 |
| Earnings coverage of net charge-offs (x) | 6.9167% | 3,241 |
| Efficiency ratio | 66.2044% | 5,087 |
| Assets per employee ($millions) | 2.6195% | 6,968 |
| Cash dividends to net income (ytd only)* | 69.5101% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6613% | 7,524 |
| Loan loss allowance to noncurrent loans | 71.4709% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 0.8361% | 4,758 |
| Noncurrent loans to loans | 0.9252% | 4,774 |
| Net loans and leases to total assets | 58.4785% | 6,132 |
| Net loans and leases to deposits | 66.1461% | 6,636 |
| Net loans and leases to core deposits | 99.2934% | 4,897 |
| Total domestic deposits to total assets | 88.4081% | 1,288 |
| Equity capital to assets | 8.0572% | 6,768 |
| Core capital (leverage) ratio | 8.2282% | 6,110 |
| Tier 1 risk-based capital ratio | 14.4102% | 3,334 |
| Total risk-based capital ratio | 15.0820% | 3,553 |
| Memoranda: | ||
| Average total assets | $186,700,000 | 3,313 |
| Average earning assets | $175,390,800 | 3,255 |
| Average equity | $14,414,600 | 4,249 |
| Average total loans | $110,131,200 | 3,674 |