Home > Union Bank, Inc. > Performance and Condition Ratios
Union Bank, Inc., 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 | 3.9240% | 4,062 |
| Cost of funding earning assets | 0.8929% | 3,531 |
| Net interest margin | 3.0311% | 3,221 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 1.7874% | 4,019 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.4069% | 1,206 |
| Return on assets (ROA) | 1.4069% | 1,180 |
| Pretax return on assets | 1.4069% | 1,619 |
| Return on Equity (ROE) | 23.5000% | 373 |
| Retained earnings to average equity (ytd only) | 13.3917% | 462 |
| Net charge-offs to loans | 0.7425% | 135 |
| Credit loss provision to net charge-offs | 36.1778% | 2,257 |
| Earnings coverage of net charge-offs (x) | 5.0418% | 2,549 |
| Efficiency ratio | 53.9386% | 3,682 |
| Assets per employee ($millions) | 5.1938% | 3,479 |
| Cash dividends to net income (ytd only)* | 43.0184% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9289% | 3,616 |
| Loan loss allowance to noncurrent loans | 339.6714% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 2,619 |
| Noncurrent loans to loans | 0.2735% | 2,207 |
| Net loans and leases to total assets | 42.4500% | 3,951 |
| Net loans and leases to deposits | 46.2440% | 4,038 |
| Net loans and leases to core deposits | 46.6548% | 4,146 |
| Total domestic deposits to total assets | 91.7900% | 340 |
| Equity capital to assets | 7.3525% | 3,792 |
| Core capital (leverage) ratio | 9.7343% | 3,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7357% | 628 |
| Memoranda: | ||
| Average total assets | $371,602,600 | 2,111 |
| Average earning assets | $347,960,800 | 2,103 |
| Average equity | $22,245,200 | 2,667 |
| Average total loans | $151,520,400 | 2,663 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 4,105 |
| Cost of funding earning assets | 0.7657% | 3,619 |
| Net interest margin | 3.0428% | 3,251 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 1.7679% | 4,032 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.4482% | 1,224 |
| Return on assets (ROA) | 1.4482% | 1,206 |
| Pretax return on assets | 1.4482% | 1,681 |
| Return on Equity (ROE) | 25.6100% | 366 |
| Retained earnings to average equity (ytd only) | 13.5579% | 732 |
| Net charge-offs to loans | 0.8153% | 112 |
| Credit loss provision to net charge-offs | 32.5000% | 1,962 |
| Earnings coverage of net charge-offs (x) | 4.7761% | 2,377 |
| Efficiency ratio | 52.9953% | 3,673 |
| Assets per employee ($millions) | 5.4216% | 3,243 |
| Cash dividends to net income (ytd only)* | 47.0675% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 3,299 |
| Loan loss allowance to noncurrent loans | 305.3360% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 2,573 |
| Noncurrent loans to loans | 0.3320% | 2,040 |
| Net loans and leases to total assets | 39.1900% | 4,086 |
| Net loans and leases to deposits | 41.5183% | 4,170 |
| Net loans and leases to core deposits | 41.8547% | 4,220 |
| Total domestic deposits to total assets | 94.3900% | 154 |
| Equity capital to assets | 4.6923% | 4,302 |
| Core capital (leverage) ratio | 9.6225% | 3,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5492% | 655 |
| Memoranda: | ||
| Average total assets | $373,612,250 | 2,113 |
| Average earning assets | $349,670,500 | 2,097 |
| Average equity | $21,123,750 | 2,751 |
| Average total loans | $150,457,000 | 2,678 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7784% | 4,050 |
| Cost of funding earning assets | 0.5399% | 3,907 |
| Net interest margin | 3.2386% | 2,887 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 1.7759% | 4,045 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.6802% | 819 |
| Return on assets (ROA) | 1.6802% | 822 |
| Pretax return on assets | 1.6802% | 1,256 |
| Return on Equity (ROE) | 28.0600% | 266 |
| Retained earnings to average equity (ytd only) | 13.5836% | 734 |
| Net charge-offs to loans | 0.8798% | 98 |
| Credit loss provision to net charge-offs | 26.4036% | 1,747 |
| Earnings coverage of net charge-offs (x) | 5.0349% | 2,193 |
| Efficiency ratio | 49.7425% | 3,951 |
| Assets per employee ($millions) | 5.0601% | 3,549 |
| Cash dividends to net income (ytd only)* | 51.5932% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 2,914 |
| Loan loss allowance to noncurrent loans | 246.1201% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 2,146 |
| Noncurrent loans to loans | 0.4507% | 1,589 |
| Net loans and leases to total assets | 41.7100% | 3,979 |
| Net loans and leases to deposits | 44.8031% | 4,074 |
| Net loans and leases to core deposits | 45.1933% | 4,142 |
| Total domestic deposits to total assets | 93.0900% | 240 |
| Equity capital to assets | 6.0698% | 4,125 |
| Core capital (leverage) ratio | 9.4821% | 3,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1846% | 620 |
| Memoranda: | ||
| Average total assets | $369,839,000 | 2,122 |
| Average earning assets | $345,646,667 | 2,117 |
| Average equity | $22,144,333 | 2,683 |
| Average total loans | $149,809,667 | 2,673 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6883% | 4,039 |
| Cost of funding earning assets | 0.3468% | 4,083 |
| Net interest margin | 3.3415% | 2,772 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 1.7648% | 4,090 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.7018% | 818 |
| Return on assets (ROA) | 1.7018% | 813 |
| Pretax return on assets | 1.7018% | 1,268 |
| Return on Equity (ROE) | 28.6100% | 267 |
| Retained earnings to average equity (ytd only) | 11.6345% | 1,332 |
| Net charge-offs to loans | 0.5049% | 161 |
| Credit loss provision to net charge-offs | 15.9574% | 1,383 |
| Earnings coverage of net charge-offs (x) | 8.6489% | 1,714 |
| Efficiency ratio | 50.4419% | 3,899 |
| Assets per employee ($millions) | 5.4110% | 3,307 |
| Cash dividends to net income (ytd only)* | 59.3358% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 1,877 |
| Loan loss allowance to noncurrent loans | 248.8228% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 2,071 |
| Noncurrent loans to loans | 0.5365% | 1,380 |
| Net loans and leases to total assets | 39.1800% | 4,071 |
| Net loans and leases to deposits | 42.1680% | 4,157 |
| Net loans and leases to core deposits | 42.5186% | 4,213 |
| Total domestic deposits to total assets | 92.9100% | 319 |
| Equity capital to assets | 6.2735% | 4,116 |
| Core capital (leverage) ratio | 9.1867% | 3,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8075% | 760 |
| Memoranda: | ||
| Average total assets | $375,123,500 | 2,131 |
| Average earning assets | $350,624,000 | 2,120 |
| Average equity | $22,313,000 | 2,696 |
| Average total loans | $148,950,000 | 2,713 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2928% | 3,598 |
| Cost of funding earning assets | 0.1502% | 4,121 |
| Net interest margin | 3.1426% | 3,052 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.6998% | 4,183 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 1.3779% | 1,181 |
| Return on assets (ROA) | 1.3779% | 1,140 |
| Pretax return on assets | 1.3779% | 1,829 |
| Return on Equity (ROE) | 19.9900% | 480 |
| Retained earnings to average equity (ytd only) | 13.2821% | 472 |
| Net charge-offs to loans | 0.5607% | 128 |
| Credit loss provision to net charge-offs | 105.2632% | 1,525 |
| Earnings coverage of net charge-offs (x) | 7.3464% | 2,306 |
| Efficiency ratio | 51.3811% | 4,037 |
| Assets per employee ($millions) | 5.3837% | 3,334 |
| Cash dividends to net income (ytd only)* | 33.5667% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 2,396 |
| Loan loss allowance to noncurrent loans | 254.9784% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 2,252 |
| Noncurrent loans to loans | 0.4699% | 1,527 |
| Net loans and leases to total assets | 39.2300% | 4,093 |
| Net loans and leases to deposits | 41.9960% | 4,176 |
| Net loans and leases to core deposits | 42.2397% | 4,222 |
| Total domestic deposits to total assets | 93.4100% | 326 |
| Equity capital to assets | 5.6165% | 4,203 |
| Core capital (leverage) ratio | 8.9804% | 3,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8748% | 734 |
| Memoranda: | ||
| Average total assets | $373,169,600 | 2,132 |
| Average earning assets | $350,887,800 | 2,108 |
| Average equity | $25,718,800 | 2,547 |
| Average total loans | $145,707,600 | 2,670 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1776% | 3,488 |
| Cost of funding earning assets | 0.1467% | 3,877 |
| Net interest margin | 3.0309% | 3,139 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.6634% | 4,215 |
| Loan and lease loss provision to assets | 0.2600% | 302 |
| Net operating income to assets | 1.2659% | 1,470 |
| Return on assets (ROA) | 1.2659% | 1,435 |
| Pretax return on assets | 1.2659% | 2,154 |
| Return on Equity (ROE) | 17.5600% | 697 |
| Retained earnings to average equity (ytd only) | 10.1090% | 1,314 |
| Net charge-offs to loans | 0.6049% | 108 |
| Credit loss provision to net charge-offs | 112.2914% | 1,257 |
| Earnings coverage of net charge-offs (x) | 6.5053% | 2,104 |
| Efficiency ratio | 52.0899% | 3,999 |
| Assets per employee ($millions) | 5.2244% | 3,479 |
| Cash dividends to net income (ytd only)* | 42.4302% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 2,456 |
| Loan loss allowance to noncurrent loans | 246.2483% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 2,287 |
| Noncurrent loans to loans | 0.4927% | 1,570 |
| Net loans and leases to total assets | 39.6200% | 4,088 |
| Net loans and leases to deposits | 41.9398% | 4,182 |
| Net loans and leases to core deposits | 42.2257% | 4,216 |
| Total domestic deposits to total assets | 94.4700% | 296 |
| Equity capital to assets | 4.6715% | 4,357 |
| Core capital (leverage) ratio | 8.6612% | 3,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5899% | 773 |
| Memoranda: | ||
| Average total assets | $373,592,750 | 2,136 |
| Average earning assets | $351,705,250 | 2,116 |
| Average equity | $26,932,500 | 2,519 |
| Average total loans | $145,261,500 | 2,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0931% | 3,327 |
| Cost of funding earning assets | 0.1349% | 3,775 |
| Net interest margin | 2.9582% | 3,011 |
| Noninterest income to average assets | 0.3306% | 3,180 |
| Noninterest expense to average assets | 1.6305% | 4,260 |
| Loan and lease loss provision to assets | 0.2617% | 267 |
| Net operating income to assets | 1.2252% | 1,349 |
| Return on assets (ROA) | 1.2252% | 1,332 |
| Pretax return on assets | 1.2252% | 1,984 |
| Return on Equity (ROE) | 15.2253% | 849 |
| Retained earnings to average equity (ytd only) | 7.3605% | 1,863 |
| Net charge-offs to loans | 0.4858% | 139 |
| Credit loss provision to net charge-offs | 140.0000% | 1,122 |
| Earnings coverage of net charge-offs (x) | 7.9543% | 1,840 |
| Efficiency ratio | 52.3043% | 4,103 |
| Assets per employee ($millions) | 5.2146% | 3,505 |
| Cash dividends to net income (ytd only)* | 51.6565% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 2,282 |
| Loan loss allowance to noncurrent loans | 260.3352% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.1962% | 2,357 |
| Noncurrent loans to loans | 0.4913% | 1,643 |
| Net loans and leases to total assets | 39.4135% | 4,104 |
| Net loans and leases to deposits | 42.7100% | 4,171 |
| Net loans and leases to core deposits | 43.0137% | 4,225 |
| Total domestic deposits to total assets | 92.2815% | 734 |
| Equity capital to assets | 6.6421% | 3,956 |
| Core capital (leverage) ratio | 8.3709% | 4,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0615% | 843 |
| Memoranda: | ||
| Average total assets | $374,480,333 | 2,141 |
| Average earning assets | $352,787,333 | 2,127 |
| Average equity | $30,134,000 | 2,412 |
| Average total loans | $144,092,667 | 2,708 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9746% | 3,328 |
| Cost of funding earning assets | 0.1476% | 3,531 |
| Net interest margin | 2.8271% | 3,054 |
| Noninterest income to average assets | 0.2996% | 3,322 |
| Noninterest expense to average assets | 1.5843% | 4,320 |
| Loan and lease loss provision to assets | 0.2426% | 273 |
| Net operating income to assets | 1.1403% | 1,402 |
| Return on assets (ROA) | 1.1403% | 1,403 |
| Pretax return on assets | 1.1403% | 2,016 |
| Return on Equity (ROE) | 13.0719% | 1,013 |
| Retained earnings to average equity (ytd only) | 2.2492% | 3,480 |
| Net charge-offs to loans | 0.0084% | 1,443 |
| Credit loss provision to net charge-offs | 7,666.6667% | 57 |
| Earnings coverage of net charge-offs (x) | 437.0000% | 236 |
| Efficiency ratio | 53.3950% | 4,095 |
| Assets per employee ($millions) | 5.5357% | 3,290 |
| Cash dividends to net income (ytd only)* | 82.7937% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 2,025 |
| Loan loss allowance to noncurrent loans | 283.1640% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 2,558 |
| Noncurrent loans to loans | 0.4843% | 1,818 |
| Net loans and leases to total assets | 36.2106% | 4,197 |
| Net loans and leases to deposits | 39.3729% | 4,271 |
| Net loans and leases to core deposits | 39.6800% | 4,322 |
| Total domestic deposits to total assets | 91.9685% | 585 |
| Equity capital to assets | 7.3221% | 4,036 |
| Core capital (leverage) ratio | 8.0118% | 4,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2446% | 1,011 |
| Memoranda: | ||
| Average total assets | $379,210,500 | 2,136 |
| Average earning assets | $357,824,500 | 2,121 |
| Average equity | $33,078,500 | 2,327 |
| Average total loans | $143,273,500 | 2,711 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8849% | 4,082 |
| Cost of funding earning assets | 0.1660% | 3,811 |
| Net interest margin | 2.7189% | 3,839 |
| Noninterest income to average assets | 0.5634% | 2,307 |
| Noninterest expense to average assets | 1.7471% | 4,233 |
| Loan and lease loss provision to assets | 0.0702% | 1,677 |
| Net operating income to assets | 1.2967% | 1,610 |
| Return on assets (ROA) | 1.2984% | 1,650 |
| Pretax return on assets | 1.2984% | 2,366 |
| Return on Equity (ROE) | 11.6090% | 1,946 |
| Retained earnings to average equity (ytd only) | 6.3451% | 2,204 |
| Net charge-offs to loans | 0.0700% | 1,091 |
| Credit loss provision to net charge-offs | 261.5385% | 1,143 |
| Earnings coverage of net charge-offs (x) | 50.9231% | 1,284 |
| Efficiency ratio | 56.1050% | 3,698 |
| Assets per employee ($millions) | 5.2989% | 3,479 |
| Cash dividends to net income (ytd only)* | 45.3430% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 2,909 |
| Loan loss allowance to noncurrent loans | 248.7734% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 2,631 |
| Noncurrent loans to loans | 0.4803% | 1,930 |
| Net loans and leases to total assets | 38.4329% | 4,163 |
| Net loans and leases to deposits | 43.2122% | 4,215 |
| Net loans and leases to core deposits | 43.5766% | 4,285 |
| Total domestic deposits to total assets | 88.9401% | 1,541 |
| Equity capital to assets | 10.1865% | 2,483 |
| Core capital (leverage) ratio | 8.1547% | 4,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,024,800 | 2,250 |
| Average earning assets | $318,031,400 | 2,243 |
| Average equity | $37,918,800 | 2,155 |
| Average total loans | $129,956,200 | 2,857 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8817% | 4,197 |
| Cost of funding earning assets | 0.1659% | 3,962 |
| Net interest margin | 2.7157% | 3,938 |
| Noninterest income to average assets | 0.6182% | 2,138 |
| Noninterest expense to average assets | 1.7818% | 4,203 |
| Loan and lease loss provision to assets | 0.0595% | 1,803 |
| Net operating income to assets | 1.3210% | 1,755 |
| Return on assets (ROA) | 1.3234% | 1,808 |
| Pretax return on assets | 1.3234% | 2,561 |
| Return on Equity (ROE) | 11.5440% | 2,197 |
| Retained earnings to average equity (ytd only) | 5.5226% | 3,035 |
| Net charge-offs to loans | 0.0032% | 2,233 |
| Credit loss provision to net charge-offs | 4,933.3333% | 173 |
| Earnings coverage of net charge-offs (x) | 1,142.6667% | 143 |
| Efficiency ratio | 56.3423% | 3,491 |
| Assets per employee ($millions) | 5.1790% | 3,524 |
| Cash dividends to net income (ytd only)* | 52.1607% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 2,410 |
| Loan loss allowance to noncurrent loans | 204.8810% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 2,603 |
| Noncurrent loans to loans | 0.6424% | 1,701 |
| Net loans and leases to total assets | 36.1070% | 4,383 |
| Net loans and leases to deposits | 40.7724% | 4,421 |
| Net loans and leases to core deposits | 41.1578% | 4,478 |
| Total domestic deposits to total assets | 88.5575% | 1,537 |
| Equity capital to assets | 10.6788% | 2,279 |
| Core capital (leverage) ratio | 8.5306% | 3,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $331,050,000 | 2,312 |
| Average earning assets | $310,138,250 | 2,301 |
| Average equity | $37,952,500 | 2,183 |
| Average total loans | $126,375,000 | 2,930 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9511% | 4,136 |
| Cost of funding earning assets | 0.1699% | 4,043 |
| Net interest margin | 2.7812% | 3,825 |
| Noninterest income to average assets | 0.3730% | 3,250 |
| Noninterest expense to average assets | 1.8003% | 4,180 |
| Loan and lease loss provision to assets | 0.0776% | 1,548 |
| Net operating income to assets | 1.0959% | 2,569 |
| Return on assets (ROA) | 1.0997% | 2,617 |
| Pretax return on assets | 1.0997% | 3,215 |
| Return on Equity (ROE) | 9.3551% | 2,993 |
| Retained earnings to average equity (ytd only) | 3.1835% | 3,784 |
| Net charge-offs to loans | 0.0048% | 1,971 |
| Credit loss provision to net charge-offs | 4,166.6667% | 163 |
| Earnings coverage of net charge-offs (x) | 630.3333% | 215 |
| Efficiency ratio | 60.5384% | 2,937 |
| Assets per employee ($millions) | 4.7318% | 3,901 |
| Cash dividends to net income (ytd only)* | 65.9707% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 2,323 |
| Loan loss allowance to noncurrent loans | 216.4331% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 2,748 |
| Noncurrent loans to loans | 0.6111% | 1,874 |
| Net loans and leases to total assets | 38.2672% | 4,375 |
| Net loans and leases to deposits | 43.6197% | 4,399 |
| Net loans and leases to core deposits | 44.0698% | 4,453 |
| Total domestic deposits to total assets | 87.7292% | 1,968 |
| Equity capital to assets | 11.4647% | 1,658 |
| Core capital (leverage) ratio | 8.5073% | 3,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $322,282,667 | 2,349 |
| Average earning assets | $301,382,000 | 2,338 |
| Average equity | $37,883,000 | 2,182 |
| Average total loans | $124,916,667 | 2,959 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9644% | 4,156 |
| Cost of funding earning assets | 0.1710% | 4,155 |
| Net interest margin | 2.7933% | 3,782 |
| Noninterest income to average assets | 0.3474% | 3,358 |
| Noninterest expense to average assets | 1.8250% | 4,159 |
| Loan and lease loss provision to assets | 0.0944% | 1,419 |
| Net operating income to assets | 1.0383% | 2,675 |
| Return on assets (ROA) | 1.0383% | 2,755 |
| Pretax return on assets | 1.0383% | 3,260 |
| Return on Equity (ROE) | 8.7215% | 3,127 |
| Retained earnings to average equity (ytd only) | -1.3637% | 4,496 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7021% | 2,806 |
| Assets per employee ($millions) | 4.6758% | 3,952 |
| Cash dividends to net income (ytd only)* | 115.6364% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 2,266 |
| Loan loss allowance to noncurrent loans | 238.3838% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2087% | 3,109 |
| Noncurrent loans to loans | 0.5606% | 2,175 |
| Net loans and leases to total assets | 36.7384% | 4,472 |
| Net loans and leases to deposits | 41.6983% | 4,508 |
| Net loans and leases to core deposits | 42.1587% | 4,562 |
| Total domestic deposits to total assets | 88.1052% | 1,789 |
| Equity capital to assets | 11.2029% | 1,721 |
| Core capital (leverage) ratio | 8.8287% | 3,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,812,000 | 2,352 |
| Average earning assets | $296,992,000 | 2,353 |
| Average equity | $37,837,500 | 2,167 |
| Average total loans | $123,150,500 | 2,985 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4530% | 4,113 |
| Cost of funding earning assets | 0.2179% | 4,516 |
| Net interest margin | 3.2351% | 3,262 |
| Noninterest income to average assets | 0.4263% | 2,987 |
| Noninterest expense to average assets | 1.9666% | 4,204 |
| Loan and lease loss provision to assets | 0.1606% | 2,365 |
| Net operating income to assets | 1.2934% | 1,267 |
| Return on assets (ROA) | 1.3028% | 1,340 |
| Pretax return on assets | 1.3028% | 1,967 |
| Return on Equity (ROE) | 10.2074% | 1,930 |
| Retained earnings to average equity (ytd only) | 5.2249% | 2,174 |
| Net charge-offs to loans | 0.0978% | 1,491 |
| Credit loss provision to net charge-offs | 394.8718% | 1,448 |
| Earnings coverage of net charge-offs (x) | 35.7436% | 1,473 |
| Efficiency ratio | 57.4914% | 3,793 |
| Assets per employee ($millions) | 4.1594% | 4,246 |
| Cash dividends to net income (ytd only)* | 48.8124% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 2,486 |
| Loan loss allowance to noncurrent loans | 246.4063% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 3,234 |
| Noncurrent loans to loans | 0.5217% | 2,413 |
| Net loans and leases to total assets | 39.8849% | 4,446 |
| Net loans and leases to deposits | 46.1247% | 4,459 |
| Net loans and leases to core deposits | 46.7304% | 4,524 |
| Total domestic deposits to total assets | 86.4718% | 2,162 |
| Equity capital to assets | 12.6739% | 1,246 |
| Core capital (leverage) ratio | 9.0374% | 3,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $287,603,800 | 2,355 |
| Average earning assets | $266,203,600 | 2,362 |
| Average equity | $36,708,800 | 2,142 |
| Average total loans | $119,657,400 | 2,983 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5208% | 4,171 |
| Cost of funding earning assets | 0.2234% | 4,595 |
| Net interest margin | 3.2974% | 3,205 |
| Noninterest income to average assets | 0.4118% | 3,020 |
| Noninterest expense to average assets | 1.9892% | 4,167 |
| Loan and lease loss provision to assets | 0.1608% | 2,391 |
| Net operating income to assets | 1.3089% | 1,337 |
| Return on assets (ROA) | 1.3216% | 1,394 |
| Pretax return on assets | 1.3216% | 1,970 |
| Return on Equity (ROE) | 10.3347% | 1,894 |
| Retained earnings to average equity (ytd only) | 5.1765% | 2,484 |
| Net charge-offs to loans | 0.0729% | 1,582 |
| Credit loss provision to net charge-offs | 526.1538% | 1,246 |
| Earnings coverage of net charge-offs (x) | 48.0923% | 1,220 |
| Efficiency ratio | 57.5099% | 3,733 |
| Assets per employee ($millions) | 4.3615% | 3,988 |
| Cash dividends to net income (ytd only)* | 49.9111% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 2,526 |
| Loan loss allowance to noncurrent loans | 175.4651% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.2777% | 3,054 |
| Noncurrent loans to loans | 0.6989% | 2,046 |
| Net loans and leases to total assets | 39.2511% | 4,584 |
| Net loans and leases to deposits | 45.1495% | 4,630 |
| Net loans and leases to core deposits | 45.7277% | 4,669 |
| Total domestic deposits to total assets | 86.9357% | 1,691 |
| Equity capital to assets | 12.2564% | 1,545 |
| Core capital (leverage) ratio | 9.1978% | 3,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,595,000 | 2,356 |
| Average earning assets | $262,056,250 | 2,364 |
| Average equity | $36,265,250 | 2,152 |
| Average total loans | $118,901,000 | 3,003 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6864% | 4,116 |
| Cost of funding earning assets | 0.2433% | 4,644 |
| Net interest margin | 3.4431% | 2,965 |
| Noninterest income to average assets | 0.3834% | 3,185 |
| Noninterest expense to average assets | 2.0545% | 4,125 |
| Loan and lease loss provision to assets | 0.1732% | 2,279 |
| Net operating income to assets | 1.3270% | 1,285 |
| Return on assets (ROA) | 1.3467% | 1,328 |
| Pretax return on assets | 1.3467% | 1,880 |
| Return on Equity (ROE) | 10.3691% | 1,859 |
| Retained earnings to average equity (ytd only) | 3.7365% | 3,046 |
| Net charge-offs to loans | 0.0221% | 2,279 |
| Credit loss provision to net charge-offs | 1,830.7692% | 518 |
| Earnings coverage of net charge-offs (x) | 158.6154% | 516 |
| Efficiency ratio | 57.7978% | 3,719 |
| Assets per employee ($millions) | 4.1393% | 4,165 |
| Cash dividends to net income (ytd only)* | 63.9654% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,342 |
| Loan loss allowance to noncurrent loans | 172.0189% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.3389% | 2,949 |
| Noncurrent loans to loans | 0.7164% | 2,088 |
| Net loans and leases to total assets | 40.3000% | 4,594 |
| Net loans and leases to deposits | 46.7104% | 4,629 |
| Net loans and leases to core deposits | 47.2073% | 4,683 |
| Total domestic deposits to total assets | 86.2762% | 1,897 |
| Equity capital to assets | 12.8230% | 1,230 |
| Core capital (leverage) ratio | 9.3283% | 3,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,904,000 | 2,379 |
| Average earning assets | $253,201,000 | 2,400 |
| Average equity | $35,702,333 | 2,174 |
| Average total loans | $117,515,667 | 3,009 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8381% | 4,156 |
| Cost of funding earning assets | 0.2509% | 4,770 |
| Net interest margin | 3.5872% | 2,708 |
| Noninterest income to average assets | 0.3649% | 3,328 |
| Noninterest expense to average assets | 2.1445% | 4,127 |
| Loan and lease loss provision to assets | 0.0538% | 3,097 |
| Net operating income to assets | 1.4595% | 859 |
| Return on assets (ROA) | 1.4999% | 857 |
| Pretax return on assets | 1.4999% | 1,303 |
| Return on Equity (ROE) | 11.4707% | 1,269 |
| Retained earnings to average equity (ytd only) | 0.5604% | 3,856 |
| Net charge-offs to loans | 0.0444% | 1,585 |
| Credit loss provision to net charge-offs | 276.9231% | 1,231 |
| Earnings coverage of net charge-offs (x) | 77.8462% | 682 |
| Efficiency ratio | 58.6263% | 3,923 |
| Assets per employee ($millions) | 3.7245% | 4,249 |
| Cash dividends to net income (ytd only)* | 95.1147% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 3,362 |
| Loan loss allowance to noncurrent loans | 147.3005% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 2,974 |
| Noncurrent loans to loans | 0.7244% | 2,186 |
| Net loans and leases to total assets | 42.7936% | 4,558 |
| Net loans and leases to deposits | 49.8932% | 4,593 |
| Net loans and leases to core deposits | 50.4630% | 4,665 |
| Total domestic deposits to total assets | 85.7704% | 2,095 |
| Equity capital to assets | 13.1494% | 1,366 |
| Core capital (leverage) ratio | 9.7221% | 3,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,480,000 | 2,383 |
| Average earning assets | $245,541,000 | 2,400 |
| Average equity | $34,976,000 | 2,205 |
| Average total loans | $117,160,000 | 2,985 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0156% | 4,224 |
| Cost of funding earning assets | 0.2266% | 4,903 |
| Net interest margin | 3.7891% | 2,539 |
| Noninterest income to average assets | 0.3832% | 3,396 |
| Noninterest expense to average assets | 2.1287% | 4,311 |
| Loan and lease loss provision to assets | 0.0550% | 2,928 |
| Net operating income to assets | 1.6913% | 670 |
| Return on assets (ROA) | 1.6924% | 715 |
| Pretax return on assets | 1.6924% | 1,205 |
| Return on Equity (ROE) | 13.9293% | 910 |
| Retained earnings to average equity (ytd only) | 8.2715% | 896 |
| Net charge-offs to loans | 0.0148% | 3,177 |
| Credit loss provision to net charge-offs | 847.0588% | 389 |
| Earnings coverage of net charge-offs (x) | 269.1176% | 309 |
| Efficiency ratio | 54.9350% | 4,328 |
| Assets per employee ($millions) | 3.6037% | 4,367 |
| Cash dividends to net income (ytd only)* | 40.6180% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 3,188 |
| Loan loss allowance to noncurrent loans | 150.7956% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 2,941 |
| Noncurrent loans to loans | 0.7000% | 2,128 |
| Net loans and leases to total assets | 43.8976% | 4,605 |
| Net loans and leases to deposits | 51.0881% | 4,645 |
| Net loans and leases to core deposits | 51.6268% | 4,720 |
| Total domestic deposits to total assets | 85.9254% | 2,096 |
| Equity capital to assets | 13.0004% | 1,520 |
| Core capital (leverage) ratio | 9.6216% | 3,933 |
| Tier 1 risk-based capital ratio | 19.5636% | 1,399 |
| Total risk-based capital ratio | 20.5202% | 1,432 |
| Memoranda: | ||
| Average total assets | $261,990,800 | 2,386 |
| Average earning assets | $241,431,400 | 2,399 |
| Average equity | $31,832,200 | 2,308 |
| Average total loans | $114,953,800 | 3,005 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9972% | 4,368 |
| Cost of funding earning assets | 0.2160% | 5,000 |
| Net interest margin | 3.7812% | 2,652 |
| Noninterest income to average assets | 0.3821% | 3,424 |
| Noninterest expense to average assets | 2.1116% | 4,339 |
| Loan and lease loss provision to assets | 0.0550% | 2,810 |
| Net operating income to assets | 1.7020% | 743 |
| Return on assets (ROA) | 1.7036% | 777 |
| Pretax return on assets | 1.7036% | 1,330 |
| Return on Equity (ROE) | 14.2718% | 932 |
| Retained earnings to average equity (ytd only) | 8.1431% | 1,331 |
| Net charge-offs to loans | 0.0314% | 2,444 |
| Credit loss provision to net charge-offs | 400.0000% | 752 |
| Earnings coverage of net charge-offs (x) | 127.7375% | 614 |
| Efficiency ratio | 54.5826% | 4,326 |
| Assets per employee ($millions) | 3.6495% | 4,335 |
| Cash dividends to net income (ytd only)* | 42.9426% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 3,488 |
| Loan loss allowance to noncurrent loans | 135.3881% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 2,977 |
| Noncurrent loans to loans | 0.7492% | 2,089 |
| Net loans and leases to total assets | 43.4404% | 4,713 |
| Net loans and leases to deposits | 50.2877% | 4,767 |
| Net loans and leases to core deposits | 50.5873% | 4,825 |
| Total domestic deposits to total assets | 86.3839% | 1,830 |
| Equity capital to assets | 12.6630% | 1,805 |
| Core capital (leverage) ratio | 9.6395% | 4,037 |
| Tier 1 risk-based capital ratio | 18.9587% | 1,573 |
| Total risk-based capital ratio | 19.8776% | 1,621 |
| Memoranda: | ||
| Average total assets | $261,721,250 | 2,405 |
| Average earning assets | $241,328,500 | 2,412 |
| Average equity | $31,240,250 | 2,348 |
| Average total loans | $114,514,000 | 3,050 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0153% | 4,345 |
| Cost of funding earning assets | 0.2076% | 5,058 |
| Net interest margin | 3.8078% | 2,566 |
| Noninterest income to average assets | 0.3644% | 3,496 |
| Noninterest expense to average assets | 2.1056% | 4,408 |
| Loan and lease loss provision to assets | 0.0554% | 2,721 |
| Net operating income to assets | 1.7151% | 708 |
| Return on assets (ROA) | 1.7174% | 732 |
| Pretax return on assets | 1.7174% | 1,237 |
| Return on Equity (ROE) | 14.6933% | 830 |
| Retained earnings to average equity (ytd only) | 7.0507% | 1,782 |
| Net charge-offs to loans | 0.0475% | 1,966 |
| Credit loss provision to net charge-offs | 266.6667% | 971 |
| Earnings coverage of net charge-offs (x) | 85.2963% | 775 |
| Efficiency ratio | 54.3237% | 4,434 |
| Assets per employee ($millions) | 3.7510% | 4,179 |
| Cash dividends to net income (ytd only)* | 52.0143% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 3,662 |
| Loan loss allowance to noncurrent loans | 387.2054% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 3,913 |
| Noncurrent loans to loans | 0.2568% | 3,613 |
| Net loans and leases to total assets | 44.2488% | 4,714 |
| Net loans and leases to deposits | 51.3248% | 4,765 |
| Net loans and leases to core deposits | 51.6409% | 4,825 |
| Total domestic deposits to total assets | 86.2134% | 1,928 |
| Equity capital to assets | 12.4954% | 1,859 |
| Core capital (leverage) ratio | 9.3755% | 4,276 |
| Tier 1 risk-based capital ratio | 18.4689% | 1,679 |
| Total risk-based capital ratio | 19.3675% | 1,731 |
| Memoranda: | ||
| Average total assets | $260,157,330 | 2,420 |
| Average earning assets | $239,931,330 | 2,434 |
| Average equity | $30,408,330 | 2,382 |
| Average total loans | $113,713,000 | 3,075 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9637% | 4,448 |
| Cost of funding earning assets | 0.2080% | 5,101 |
| Net interest margin | 3.7557% | 2,684 |
| Noninterest income to average assets | 0.3297% | 3,653 |
| Noninterest expense to average assets | 2.1194% | 4,430 |
| Loan and lease loss provision to assets | 0.0552% | 2,566 |
| Net operating income to assets | 1.6164% | 863 |
| Return on assets (ROA) | 1.6210% | 888 |
| Pretax return on assets | 1.6210% | 1,415 |
| Return on Equity (ROE) | 14.3602% | 886 |
| Retained earnings to average equity (ytd only) | 4.2524% | 3,217 |
| Net charge-offs to loans | 0.0958% | 1,175 |
| Credit loss provision to net charge-offs | 133.3333% | 1,335 |
| Earnings coverage of net charge-offs (x) | 40.3704% | 1,148 |
| Efficiency ratio | 55.9061% | 4,349 |
| Assets per employee ($millions) | 3.6695% | 4,385 |
| Cash dividends to net income (ytd only)* | 70.3879% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 3,780 |
| Loan loss allowance to noncurrent loans | 323.8372% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 3,889 |
| Noncurrent loans to loans | 0.3052% | 3,471 |
| Net loans and leases to total assets | 42.2402% | 4,819 |
| Net loans and leases to deposits | 48.6873% | 4,863 |
| Net loans and leases to core deposits | 48.9798% | 4,916 |
| Total domestic deposits to total assets | 86.7583% | 1,928 |
| Equity capital to assets | 11.4563% | 2,435 |
| Core capital (leverage) ratio | 9.1506% | 4,523 |
| Tier 1 risk-based capital ratio | 18.0061% | 1,789 |
| Total risk-based capital ratio | 18.8829% | 1,859 |
| Memoranda: | ||
| Average total assets | $260,828,000 | 2,439 |
| Average earning assets | $240,383,000 | 2,449 |
| Average equity | $29,442,500 | 2,442 |
| Average total loans | $112,733,000 | 3,118 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8088% | 4,470 |
| Cost of funding earning assets | 0.1685% | 5,123 |
| Net interest margin | 3.6402% | 3,253 |
| Noninterest income to average assets | 0.3656% | 3,650 |
| Noninterest expense to average assets | 2.1063% | 4,551 |
| Loan and lease loss provision to assets | 0.0559% | 3,048 |
| Net operating income to assets | 1.5518% | 991 |
| Return on assets (ROA) | 1.5545% | 976 |
| Pretax return on assets | 1.5545% | 1,605 |
| Return on Equity (ROE) | 14.7154% | 894 |
| Retained earnings to average equity (ytd only) | 7.5103% | 1,453 |
| Net charge-offs to loans | 0.0373% | 2,655 |
| Credit loss provision to net charge-offs | 360.0000% | 889 |
| Earnings coverage of net charge-offs (x) | 103.4500% | 728 |
| Efficiency ratio | 56.7110% | 4,320 |
| Assets per employee ($millions) | 3.3875% | 4,668 |
| Cash dividends to net income (ytd only)* | 48.9628% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9800% | 3,808 |
| Loan loss allowance to noncurrent loans | 245.0111% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.1752% | 3,929 |
| Noncurrent loans to loans | 0.4000% | 3,096 |
| Net loans and leases to total assets | 43.3660% | 4,835 |
| Net loans and leases to deposits | 49.4433% | 4,902 |
| Net loans and leases to core deposits | 49.8084% | 4,947 |
| Total domestic deposits to total assets | 87.7084% | 1,446 |
| Equity capital to assets | 11.1154% | 2,582 |
| Core capital (leverage) ratio | 8.9809% | 4,671 |
| Tier 1 risk-based capital ratio | 17.8379% | 1,800 |
| Total risk-based capital ratio | 18.7114% | 1,863 |
| Memoranda: | ||
| Average total assets | $257,375,200 | 2,423 |
| Average earning assets | $236,744,200 | 2,439 |
| Average equity | $27,189,200 | 2,504 |
| Average total loans | $107,183,200 | 3,186 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7351% | 4,581 |
| Cost of funding earning assets | 0.1617% | 5,181 |
| Net interest margin | 3.5734% | 3,452 |
| Noninterest income to average assets | 0.3590% | 3,732 |
| Noninterest expense to average assets | 2.0785% | 4,590 |
| Loan and lease loss provision to assets | 0.0560% | 2,853 |
| Net operating income to assets | 1.5102% | 1,169 |
| Return on assets (ROA) | 1.5138% | 1,156 |
| Pretax return on assets | 1.5138% | 1,855 |
| Return on Equity (ROE) | 14.5195% | 978 |
| Retained earnings to average equity (ytd only) | 7.4337% | 1,909 |
| Net charge-offs to loans | 0.0315% | 2,459 |
| Credit loss provision to net charge-offs | 432.0000% | 782 |
| Earnings coverage of net charge-offs (x) | 120.9292% | 652 |
| Efficiency ratio | 57.0291% | 4,252 |
| Assets per employee ($millions) | 3.4032% | 4,680 |
| Cash dividends to net income (ytd only)* | 48.8023% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 3,873 |
| Loan loss allowance to noncurrent loans | 238.7665% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.1755% | 4,076 |
| Noncurrent loans to loans | 0.4118% | 3,179 |
| Net loans and leases to total assets | 42.2054% | 4,951 |
| Net loans and leases to deposits | 47.5030% | 5,023 |
| Net loans and leases to core deposits | 47.8570% | 5,069 |
| Total domestic deposits to total assets | 88.8478% | 897 |
| Equity capital to assets | 10.2892% | 3,347 |
| Core capital (leverage) ratio | 8.9198% | 4,781 |
| Tier 1 risk-based capital ratio | 18.5251% | 1,657 |
| Total risk-based capital ratio | 19.4371% | 1,695 |
| Memoranda: | ||
| Average total assets | $257,355,750 | 2,438 |
| Average earning assets | $236,633,500 | 2,453 |
| Average equity | $26,832,250 | 2,532 |
| Average total loans | $105,791,000 | 3,234 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6958% | 4,596 |
| Cost of funding earning assets | 0.1522% | 5,240 |
| Net interest margin | 3.5436% | 3,486 |
| Noninterest income to average assets | 0.3511% | 3,815 |
| Noninterest expense to average assets | 2.0597% | 4,691 |
| Loan and lease loss provision to assets | 0.0560% | 2,788 |
| Net operating income to assets | 1.4977% | 1,170 |
| Return on assets (ROA) | 1.4977% | 1,162 |
| Pretax return on assets | 1.4977% | 1,822 |
| Return on Equity (ROE) | 14.3018% | 1,011 |
| Retained earnings to average equity (ytd only) | 5.6196% | 2,762 |
| Net charge-offs to loans | 0.0058% | 2,949 |
| Credit loss provision to net charge-offs | 2,400.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 665.3333% | 124 |
| Efficiency ratio | 57.0013% | 4,363 |
| Assets per employee ($millions) | 3.3050% | 4,812 |
| Cash dividends to net income (ytd only)* | 60.7069% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 3,819 |
| Loan loss allowance to noncurrent loans | 270.8861% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 4,203 |
| Noncurrent loans to loans | 0.3705% | 3,365 |
| Net loans and leases to total assets | 42.0202% | 4,983 |
| Net loans and leases to deposits | 48.2057% | 5,023 |
| Net loans and leases to core deposits | 48.5980% | 5,073 |
| Total domestic deposits to total assets | 87.1685% | 1,765 |
| Equity capital to assets | 10.5869% | 3,038 |
| Core capital (leverage) ratio | 8.6291% | 5,014 |
| Tier 1 risk-based capital ratio | 18.6664% | 1,632 |
| Total risk-based capital ratio | 19.6051% | 1,675 |
| Memoranda: | ||
| Average total assets | $256,927,670 | 2,451 |
| Average earning assets | $236,537,330 | 2,457 |
| Average equity | $26,905,670 | 2,537 |
| Average total loans | $104,306,670 | 3,260 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6082% | 4,687 |
| Cost of funding earning assets | 0.1504% | 5,267 |
| Net interest margin | 3.4578% | 3,679 |
| Noninterest income to average assets | 0.3279% | 3,960 |
| Noninterest expense to average assets | 2.0277% | 4,796 |
| Loan and lease loss provision to assets | 0.0554% | 2,658 |
| Net operating income to assets | 1.4303% | 1,252 |
| Return on assets (ROA) | 1.4303% | 1,262 |
| Pretax return on assets | 1.4303% | 1,902 |
| Return on Equity (ROE) | 13.7312% | 1,076 |
| Retained earnings to average equity (ytd only) | 0.0739% | 4,794 |
| Net charge-offs to loans | 0.0078% | 2,459 |
| Credit loss provision to net charge-offs | 1,800.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 482.5000% | 130 |
| Efficiency ratio | 57.7125% | 4,384 |
| Assets per employee ($millions) | 3.6207% | 4,515 |
| Cash dividends to net income (ytd only)* | 99.4618% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 3,981 |
| Loan loss allowance to noncurrent loans | 294.0341% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 4,417 |
| Noncurrent loans to loans | 0.3393% | 3,545 |
| Net loans and leases to total assets | 39.4038% | 5,092 |
| Net loans and leases to deposits | 44.2544% | 5,150 |
| Net loans and leases to core deposits | 44.3784% | 5,200 |
| Total domestic deposits to total assets | 89.0394% | 1,076 |
| Equity capital to assets | 10.1071% | 3,491 |
| Core capital (leverage) ratio | 8.2039% | 5,312 |
| Tier 1 risk-based capital ratio | 18.1220% | 1,801 |
| Total risk-based capital ratio | 19.0358% | 1,843 |
| Memoranda: | ||
| Average total assets | $259,802,000 | 2,446 |
| Average earning assets | $239,341,000 | 2,451 |
| Average equity | $27,062,500 | 2,546 |
| Average total loans | $103,152,000 | 3,306 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3867% | 4,961 |
| Cost of funding earning assets | 0.1389% | 5,319 |
| Net interest margin | 3.2478% | 4,315 |
| Noninterest income to average assets | 0.3389% | 4,044 |
| Noninterest expense to average assets | 2.0008% | 4,957 |
| Loan and lease loss provision to assets | 0.0324% | 3,621 |
| Net operating income to assets | 1.2932% | 1,241 |
| Return on assets (ROA) | 1.2990% | 1,240 |
| Pretax return on assets | 1.2990% | 2,354 |
| Return on Equity (ROE) | 12.3530% | 1,115 |
| Retained earnings to average equity (ytd only) | 6.6923% | 1,197 |
| Net charge-offs to loans | 0.0031% | 3,995 |
| Credit loss provision to net charge-offs | 2,800.0000% | 144 |
| Earnings coverage of net charge-offs (x) | 1,144.6667% | 67 |
| Efficiency ratio | 60.1485% | 4,239 |
| Assets per employee ($millions) | 3.4068% | 4,819 |
| Cash dividends to net income (ytd only)* | 45.8247% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 4,073 |
| Loan loss allowance to noncurrent loans | 213.8889% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 4,227 |
| Noncurrent loans to loans | 0.4564% | 3,142 |
| Net loans and leases to total assets | 39.2201% | 5,164 |
| Net loans and leases to deposits | 44.4333% | 5,235 |
| Net loans and leases to core deposits | 44.5599% | 5,282 |
| Total domestic deposits to total assets | 88.2672% | 1,364 |
| Equity capital to assets | 10.7282% | 2,914 |
| Core capital (leverage) ratio | 7.9829% | 5,449 |
| Tier 1 risk-based capital ratio | 18.1868% | 1,748 |
| Total risk-based capital ratio | 19.0739% | 1,799 |
| Memoranda: | ||
| Average total assets | $259,048,200 | 2,421 |
| Average earning assets | $238,286,200 | 2,442 |
| Average equity | $27,240,400 | 2,531 |
| Average total loans | $97,367,200 | 3,391 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3386% | 5,059 |
| Cost of funding earning assets | 0.1366% | 5,386 |
| Net interest margin | 3.2020% | 4,441 |
| Noninterest income to average assets | 0.3448% | 4,074 |
| Noninterest expense to average assets | 1.9834% | 4,988 |
| Loan and lease loss provision to assets | 0.0268% | 3,593 |
| Net operating income to assets | 1.2778% | 1,410 |
| Return on assets (ROA) | 1.2855% | 1,411 |
| Pretax return on assets | 1.2855% | 2,566 |
| Return on Equity (ROE) | 12.2871% | 1,246 |
| Retained earnings to average equity (ytd only) | 5.8632% | 2,329 |
| Net charge-offs to loans | 0.0042% | 3,586 |
| Credit loss provision to net charge-offs | 1,733.3333% | 228 |
| Earnings coverage of net charge-offs (x) | 844.9800% | 119 |
| Efficiency ratio | 60.3224% | 4,160 |
| Assets per employee ($millions) | 3.5243% | 4,696 |
| Cash dividends to net income (ytd only)* | 52.2819% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 4,282 |
| Loan loss allowance to noncurrent loans | 219.7279% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 4,435 |
| Noncurrent loans to loans | 0.4367% | 3,397 |
| Net loans and leases to total assets | 37.8360% | 5,276 |
| Net loans and leases to deposits | 42.7707% | 5,346 |
| Net loans and leases to core deposits | 42.8896% | 5,393 |
| Total domestic deposits to total assets | 88.4626% | 1,144 |
| Equity capital to assets | 10.5621% | 3,299 |
| Core capital (leverage) ratio | 7.9827% | 5,516 |
| Tier 1 risk-based capital ratio | 17.8307% | 1,901 |
| Total risk-based capital ratio | 18.6993% | 1,972 |
| Memoranda: | ||
| Average total assets | $259,081,250 | 2,436 |
| Average earning assets | $238,136,250 | 2,459 |
| Average equity | $27,106,250 | 2,555 |
| Average total loans | $96,072,000 | 3,438 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3114% | 5,088 |
| Cost of funding earning assets | 0.1362% | 5,412 |
| Net interest margin | 3.1751% | 4,484 |
| Noninterest income to average assets | 0.3319% | 4,167 |
| Noninterest expense to average assets | 1.9671% | 5,043 |
| Loan and lease loss provision to assets | 0.0218% | 3,548 |
| Net operating income to assets | 1.2591% | 1,409 |
| Return on assets (ROA) | 1.2707% | 1,401 |
| Pretax return on assets | 1.2707% | 2,493 |
| Return on Equity (ROE) | 12.1853% | 1,242 |
| Retained earnings to average equity (ytd only) | 5.7983% | 2,230 |
| Net charge-offs to loans | -0.0042% | 4,302 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5647% | 4,229 |
| Assets per employee ($millions) | 3.2686% | 5,009 |
| Cash dividends to net income (ytd only)* | 52.4159% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 4,296 |
| Loan loss allowance to noncurrent loans | 118.4539% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 3,851 |
| Noncurrent loans to loans | 0.8228% | 2,343 |
| Net loans and leases to total assets | 38.3498% | 5,291 |
| Net loans and leases to deposits | 43.6438% | 5,350 |
| Net loans and leases to core deposits | 43.7629% | 5,401 |
| Total domestic deposits to total assets | 87.8701% | 1,526 |
| Equity capital to assets | 10.9825% | 2,825 |
| Core capital (leverage) ratio | 7.8085% | 5,588 |
| Tier 1 risk-based capital ratio | 18.5916% | 1,694 |
| Total risk-based capital ratio | 19.4983% | 1,751 |
| Memoranda: | ||
| Average total assets | $257,334,330 | 2,465 |
| Average earning assets | $236,335,670 | 2,484 |
| Average equity | $26,835,670 | 2,571 |
| Average total loans | $94,436,670 | 3,485 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1760% | 5,273 |
| Cost of funding earning assets | 0.1338% | 5,472 |
| Net interest margin | 3.0422% | 4,804 |
| Noninterest income to average assets | 0.3198% | 4,266 |
| Noninterest expense to average assets | 1.9865% | 5,081 |
| Loan and lease loss provision to assets | 0.0138% | 3,384 |
| Net operating income to assets | 1.1162% | 1,803 |
| Return on assets (ROA) | 1.1162% | 1,844 |
| Pretax return on assets | 1.1162% | 2,916 |
| Return on Equity (ROE) | 10.9863% | 1,574 |
| Retained earnings to average equity (ytd only) | 1.2711% | 4,575 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7395% | 3,881 |
| Assets per employee ($millions) | 3.5566% | 4,708 |
| Cash dividends to net income (ytd only)* | 88.4298% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 4,390 |
| Loan loss allowance to noncurrent loans | 144.2547% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 4,244 |
| Noncurrent loans to loans | 0.6800% | 2,813 |
| Net loans and leases to total assets | 35.6319% | 5,416 |
| Net loans and leases to deposits | 40.0387% | 5,470 |
| Net loans and leases to core deposits | 40.1854% | 5,518 |
| Total domestic deposits to total assets | 88.9938% | 1,146 |
| Equity capital to assets | 10.0848% | 3,653 |
| Core capital (leverage) ratio | 7.6001% | 5,680 |
| Tier 1 risk-based capital ratio | 17.4065% | 2,062 |
| Total risk-based capital ratio | 18.2673% | 2,130 |
| Memoranda: | ||
| Average total assets | $260,160,000 | 2,465 |
| Average earning assets | $239,169,500 | 2,474 |
| Average equity | $26,433,000 | 2,609 |
| Average total loans | $92,920,000 | 3,537 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4014% | 4,976 |
| Cost of funding earning assets | 0.1806% | 5,209 |
| Net interest margin | 3.2208% | 4,376 |
| Noninterest income to average assets | 0.3972% | 3,910 |
| Noninterest expense to average assets | 2.1885% | 4,801 |
| Loan and lease loss provision to assets | 0.0101% | 4,174 |
| Net operating income to assets | 1.1435% | 1,719 |
| Return on assets (ROA) | 1.1560% | 1,762 |
| Pretax return on assets | 1.1560% | 2,870 |
| Return on Equity (ROE) | 10.0195% | 1,949 |
| Retained earnings to average equity (ytd only) | 3.7913% | 3,218 |
| Net charge-offs to loans | 0.1303% | 1,940 |
| Credit loss provision to net charge-offs | 21.2389% | 3,667 |
| Earnings coverage of net charge-offs (x) | 24.3628% | 1,640 |
| Efficiency ratio | 65.2081% | 3,730 |
| Assets per employee ($millions) | 3.2966% | 5,047 |
| Cash dividends to net income (ytd only)* | 62.1602% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 4,256 |
| Loan loss allowance to noncurrent loans | 172.9323% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 4,225 |
| Noncurrent loans to loans | 0.5838% | 3,097 |
| Net loans and leases to total assets | 35.0839% | 5,515 |
| Net loans and leases to deposits | 39.5519% | 5,563 |
| Net loans and leases to core deposits | 39.6494% | 5,607 |
| Total domestic deposits to total assets | 88.7035% | 1,269 |
| Equity capital to assets | 10.2375% | 3,459 |
| Core capital (leverage) ratio | 7.6472% | 5,715 |
| Tier 1 risk-based capital ratio | 17.4602% | 2,020 |
| Total risk-based capital ratio | 18.3192% | 2,085 |
| Memoranda: | ||
| Average total assets | $238,659,600 | 2,590 |
| Average earning assets | $218,207,400 | 2,619 |
| Average equity | $27,536,400 | 2,534 |
| Average total loans | $86,724,000 | 3,645 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4442% | 4,931 |
| Cost of funding earning assets | 0.1913% | 5,164 |
| Net interest margin | 3.2529% | 4,339 |
| Noninterest income to average assets | 0.4142% | 3,822 |
| Noninterest expense to average assets | 2.2035% | 4,759 |
| Loan and lease loss provision to assets | 0.0085% | 4,063 |
| Net operating income to assets | 1.1758% | 1,712 |
| Return on assets (ROA) | 1.1827% | 1,803 |
| Pretax return on assets | 1.1827% | 2,907 |
| Return on Equity (ROE) | 9.9425% | 2,075 |
| Retained earnings to average equity (ytd only) | 3.6015% | 3,731 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6713% | 3,825 |
| Assets per employee ($millions) | 3.0735% | 5,315 |
| Cash dividends to net income (ytd only)* | 63.7765% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 3,674 |
| Loan loss allowance to noncurrent loans | 158.2689% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 4,318 |
| Noncurrent loans to loans | 0.7141% | 2,894 |
| Net loans and leases to total assets | 38.3514% | 5,452 |
| Net loans and leases to deposits | 44.2687% | 5,507 |
| Net loans and leases to core deposits | 44.5590% | 5,561 |
| Total domestic deposits to total assets | 86.6332% | 2,065 |
| Equity capital to assets | 12.2729% | 1,922 |
| Core capital (leverage) ratio | 8.2119% | 5,564 |
| Tier 1 risk-based capital ratio | 18.1518% | 1,870 |
| Total risk-based capital ratio | 19.1616% | 1,915 |
| Memoranda: | ||
| Average total assets | $234,041,500 | 2,637 |
| Average earning assets | $213,960,750 | 2,665 |
| Average equity | $27,839,500 | 2,537 |
| Average total loans | $85,622,000 | 3,695 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4473% | 4,986 |
| Cost of funding earning assets | 0.1990% | 5,157 |
| Net interest margin | 3.2482% | 4,386 |
| Noninterest income to average assets | 0.4168% | 3,773 |
| Noninterest expense to average assets | 2.1683% | 4,917 |
| Loan and lease loss provision to assets | 0.0051% | 3,953 |
| Net operating income to assets | 1.2118% | 1,557 |
| Return on assets (ROA) | 1.2221% | 1,622 |
| Pretax return on assets | 1.2221% | 2,695 |
| Return on Equity (ROE) | 10.3834% | 1,896 |
| Retained earnings to average equity (ytd only) | 2.2131% | 4,467 |
| Net charge-offs to loans | -0.0024% | 4,386 |
| Credit loss provision to net charge-offs | -600.0000% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5217% | 4,098 |
| Assets per employee ($millions) | 3.0027% | 5,428 |
| Cash dividends to net income (ytd only)* | 78.6862% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 3,581 |
| Loan loss allowance to noncurrent loans | 220.8696% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 4,690 |
| Noncurrent loans to loans | 0.5254% | 3,507 |
| Net loans and leases to total assets | 37.4260% | 5,540 |
| Net loans and leases to deposits | 43.7970% | 5,574 |
| Net loans and leases to core deposits | 44.0923% | 5,624 |
| Total domestic deposits to total assets | 85.4534% | 2,662 |
| Equity capital to assets | 12.4217% | 1,826 |
| Core capital (leverage) ratio | 7.9828% | 5,736 |
| Tier 1 risk-based capital ratio | 17.9274% | 1,952 |
| Total risk-based capital ratio | 18.9415% | 1,973 |
| Memoranda: | ||
| Average total assets | $234,193,000 | 2,648 |
| Average earning assets | $214,023,330 | 2,671 |
| Average equity | $27,563,330 | 2,562 |
| Average total loans | $83,960,000 | 3,745 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4465% | 5,011 |
| Cost of funding earning assets | 0.2154% | 5,051 |
| Net interest margin | 3.2311% | 4,468 |
| Noninterest income to average assets | 0.4226% | 3,665 |
| Noninterest expense to average assets | 2.2063% | 4,891 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1694% | 1,647 |
| Return on assets (ROA) | 1.1897% | 1,686 |
| Pretax return on assets | 1.1897% | 2,743 |
| Return on Equity (ROE) | 10.3910% | 1,824 |
| Retained earnings to average equity (ytd only) | -0.8153% | 5,256 |
| Net charge-offs to loans | -0.0243% | 4,967 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3539% | 4,061 |
| Assets per employee ($millions) | 3.2034% | 5,279 |
| Cash dividends to net income (ytd only)* | 107.8459% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 3,404 |
| Loan loss allowance to noncurrent loans | 191.6824% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 4,669 |
| Noncurrent loans to loans | 0.6326% | 3,272 |
| Net loans and leases to total assets | 34.8512% | 5,684 |
| Net loans and leases to deposits | 39.9678% | 5,717 |
| Net loans and leases to core deposits | 40.9196% | 5,751 |
| Total domestic deposits to total assets | 87.1981% | 2,104 |
| Equity capital to assets | 11.6376% | 2,301 |
| Core capital (leverage) ratio | 7.7390% | 5,868 |
| Tier 1 risk-based capital ratio | 17.6715% | 2,080 |
| Total risk-based capital ratio | 18.6896% | 2,109 |
| Memoranda: | ||
| Average total assets | $235,685,500 | 2,646 |
| Average earning assets | $215,409,000 | 2,674 |
| Average equity | $26,985,000 | 2,600 |
| Average total loans | $82,166,000 | 3,797 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3819% | 5,202 |
| Cost of funding earning assets | 0.2410% | 4,879 |
| Net interest margin | 3.1409% | 4,803 |
| Noninterest income to average assets | 0.4240% | 3,861 |
| Noninterest expense to average assets | 2.1384% | 5,174 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1535% | 1,715 |
| Return on assets (ROA) | 1.2092% | 1,586 |
| Pretax return on assets | 1.2092% | 2,623 |
| Return on Equity (ROE) | 10.9476% | 1,635 |
| Retained earnings to average equity (ytd only) | 6.2316% | 1,687 |
| Net charge-offs to loans | -0.0038% | 4,934 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9004% | 4,291 |
| Assets per employee ($millions) | 3.2099% | 5,284 |
| Cash dividends to net income (ytd only)* | 43.0780% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 3,168 |
| Loan loss allowance to noncurrent loans | 392.6070% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 5,156 |
| Noncurrent loans to loans | 0.3185% | 4,318 |
| Net loans and leases to total assets | 34.0108% | 5,777 |
| Net loans and leases to deposits | 39.5682% | 5,786 |
| Net loans and leases to core deposits | 39.8321% | 5,827 |
| Total domestic deposits to total assets | 85.9547% | 2,663 |
| Equity capital to assets | 11.2594% | 2,577 |
| Core capital (leverage) ratio | 7.7422% | 5,929 |
| Tier 1 risk-based capital ratio | 18.5511% | 1,820 |
| Total risk-based capital ratio | 19.6119% | 1,819 |
| Memoranda: | ||
| Average total assets | $235,368,000 | 2,617 |
| Average earning assets | $214,906,000 | 2,636 |
| Average equity | $25,996,600 | 2,620 |
| Average total loans | $79,263,800 | 3,847 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3707% | 5,273 |
| Cost of funding earning assets | 0.2460% | 4,921 |
| Net interest margin | 3.1247% | 4,899 |
| Noninterest income to average assets | 0.4289% | 3,871 |
| Noninterest expense to average assets | 2.0851% | 5,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1968% | 1,659 |
| Return on assets (ROA) | 1.2709% | 1,478 |
| Pretax return on assets | 1.2709% | 2,509 |
| Return on Equity (ROE) | 11.5621% | 1,510 |
| Retained earnings to average equity (ytd only) | 6.2495% | 2,090 |
| Net charge-offs to loans | -0.0068% | 4,887 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4655% | 4,501 |
| Assets per employee ($millions) | 3.2677% | 5,180 |
| Cash dividends to net income (ytd only)* | 45.9485% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 3,411 |
| Loan loss allowance to noncurrent loans | 412.2449% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 5,329 |
| Noncurrent loans to loans | 0.3016% | 4,520 |
| Net loans and leases to total assets | 34.0980% | 5,853 |
| Net loans and leases to deposits | 38.8488% | 5,904 |
| Net loans and leases to core deposits | 39.1026% | 5,943 |
| Total domestic deposits to total assets | 87.7709% | 1,671 |
| Equity capital to assets | 11.2090% | 2,791 |
| Core capital (leverage) ratio | 7.6203% | 6,025 |
| Tier 1 risk-based capital ratio | 18.1845% | 1,987 |
| Total risk-based capital ratio | 19.2503% | 1,996 |
| Memoranda: | ||
| Average total assets | $235,630,000 | 2,630 |
| Average earning assets | $215,143,500 | 2,648 |
| Average equity | $25,900,000 | 2,647 |
| Average total loans | $78,904,000 | 3,897 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4006% | 5,229 |
| Cost of funding earning assets | 0.2519% | 4,918 |
| Net interest margin | 3.1488% | 4,831 |
| Noninterest income to average assets | 0.4208% | 3,912 |
| Noninterest expense to average assets | 1.9953% | 5,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2997% | 1,322 |
| Return on assets (ROA) | 1.2997% | 1,381 |
| Pretax return on assets | 1.2997% | 2,364 |
| Return on Equity (ROE) | 11.9024% | 1,398 |
| Retained earnings to average equity (ytd only) | 6.8757% | 1,753 |
| Net charge-offs to loans | -0.0154% | 5,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4748% | 5,051 |
| Assets per employee ($millions) | 3.2063% | 5,333 |
| Cash dividends to net income (ytd only)* | 42.2324% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 3,417 |
| Loan loss allowance to noncurrent loans | 329.6417% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 5,278 |
| Noncurrent loans to loans | 0.3842% | 4,331 |
| Net loans and leases to total assets | 33.7079% | 5,919 |
| Net loans and leases to deposits | 38.6980% | 5,949 |
| Net loans and leases to core deposits | 38.9551% | 5,992 |
| Total domestic deposits to total assets | 87.1051% | 2,107 |
| Equity capital to assets | 11.0663% | 2,822 |
| Core capital (leverage) ratio | 7.3229% | 6,133 |
| Tier 1 risk-based capital ratio | 18.1277% | 2,030 |
| Total risk-based capital ratio | 19.2135% | 2,026 |
| Memoranda: | ||
| Average total assets | $235,748,330 | 2,648 |
| Average earning assets | $215,195,000 | 2,668 |
| Average equity | $25,742,670 | 2,670 |
| Average total loans | $78,127,330 | 3,942 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4328% | 5,137 |
| Cost of funding earning assets | 0.2614% | 4,891 |
| Net interest margin | 3.1715% | 4,707 |
| Noninterest income to average assets | 0.3770% | 4,185 |
| Noninterest expense to average assets | 1.9882% | 5,600 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2815% | 1,334 |
| Return on assets (ROA) | 1.2815% | 1,415 |
| Pretax return on assets | 1.2815% | 2,348 |
| Return on Equity (ROE) | 11.8147% | 1,394 |
| Retained earnings to average equity (ytd only) | 6.1100% | 2,430 |
| Net charge-offs to loans | -0.0207% | 5,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7208% | 5,128 |
| Assets per employee ($millions) | 3.2551% | 5,315 |
| Cash dividends to net income (ytd only)* | 48.2850% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 3,419 |
| Loan loss allowance to noncurrent loans | 315.6250% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 5,347 |
| Noncurrent loans to loans | 0.4109% | 4,355 |
| Net loans and leases to total assets | 32.3455% | 5,988 |
| Net loans and leases to deposits | 36.8031% | 6,026 |
| Net loans and leases to core deposits | 37.0976% | 6,074 |
| Total domestic deposits to total assets | 87.8881% | 1,887 |
| Equity capital to assets | 11.0632% | 2,906 |
| Core capital (leverage) ratio | 7.2241% | 6,212 |
| Tier 1 risk-based capital ratio | 18.0814% | 2,112 |
| Total risk-based capital ratio | 19.1953% | 2,112 |
| Memoranda: | ||
| Average total assets | $236,592,000 | 2,661 |
| Average earning assets | $215,798,000 | 2,678 |
| Average equity | $25,663,000 | 2,692 |
| Average total loans | $77,236,500 | 3,987 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6334% | 4,988 |
| Cost of funding earning assets | 0.3795% | 3,915 |
| Net interest margin | 3.2539% | 4,736 |
| Noninterest income to average assets | 0.4424% | 3,883 |
| Noninterest expense to average assets | 2.2313% | 5,279 |
| Loan and lease loss provision to assets | 0.0090% | 4,446 |
| Net operating income to assets | 1.1637% | 1,698 |
| Return on assets (ROA) | 1.1678% | 1,762 |
| Pretax return on assets | 1.1678% | 2,790 |
| Return on Equity (ROE) | 10.8241% | 1,777 |
| Retained earnings to average equity (ytd only) | 4.6211% | 2,889 |
| Net charge-offs to loans | -0.0265% | 5,759 |
| Credit loss provision to net charge-offs | -95.2381% | 5,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5308% | 4,662 |
| Assets per employee ($millions) | 3.1832% | 5,454 |
| Cash dividends to net income (ytd only)* | 57.3077% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 3,347 |
| Loan loss allowance to noncurrent loans | 348.0969% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 5,474 |
| Noncurrent loans to loans | 0.3773% | 4,509 |
| Net loans and leases to total assets | 32.0922% | 6,112 |
| Net loans and leases to deposits | 36.3043% | 6,160 |
| Net loans and leases to core deposits | 36.5951% | 6,193 |
| Total domestic deposits to total assets | 88.3978% | 1,569 |
| Equity capital to assets | 10.6288% | 3,324 |
| Core capital (leverage) ratio | 7.1082% | 6,293 |
| Tier 1 risk-based capital ratio | 16.2199% | 2,851 |
| Total risk-based capital ratio | 17.2441% | 2,906 |
| Memoranda: | ||
| Average total assets | $222,650,000 | 2,755 |
| Average earning assets | $202,648,600 | 2,777 |
| Average equity | $24,020,400 | 2,757 |
| Average total loans | $79,140,800 | 3,897 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6910% | 4,889 |
| Cost of funding earning assets | 0.4087% | 3,694 |
| Net interest margin | 3.2823% | 4,674 |
| Noninterest income to average assets | 0.4484% | 3,906 |
| Noninterest expense to average assets | 2.2537% | 5,217 |
| Loan and lease loss provision to assets | 0.0122% | 4,175 |
| Net operating income to assets | 1.1691% | 1,800 |
| Return on assets (ROA) | 1.1746% | 1,846 |
| Pretax return on assets | 1.1746% | 2,892 |
| Return on Equity (ROE) | 10.8442% | 1,858 |
| Retained earnings to average equity (ytd only) | 4.8976% | 3,162 |
| Net charge-offs to loans | -0.0318% | 5,758 |
| Credit loss provision to net charge-offs | -105.2632% | 5,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2761% | 4,668 |
| Assets per employee ($millions) | 3.0402% | 5,687 |
| Cash dividends to net income (ytd only)* | 54.8371% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 3,722 |
| Loan loss allowance to noncurrent loans | 418.3333% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 5,667 |
| Noncurrent loans to loans | 0.3072% | 4,987 |
| Net loans and leases to total assets | 34.2763% | 6,103 |
| Net loans and leases to deposits | 38.8867% | 6,157 |
| Net loans and leases to core deposits | 39.1539% | 6,200 |
| Total domestic deposits to total assets | 88.1439% | 1,693 |
| Equity capital to assets | 10.8996% | 3,071 |
| Core capital (leverage) ratio | 7.2967% | 6,333 |
| Tier 1 risk-based capital ratio | 15.9691% | 3,073 |
| Total risk-based capital ratio | 16.9920% | 3,127 |
| Memoranda: | ||
| Average total assets | $219,422,750 | 2,813 |
| Average earning assets | $199,651,000 | 2,830 |
| Average equity | $23,766,250 | 2,784 |
| Average total loans | $79,775,500 | 3,912 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7201% | 4,797 |
| Cost of funding earning assets | 0.4399% | 3,442 |
| Net interest margin | 3.2802% | 4,667 |
| Noninterest income to average assets | 0.4541% | 3,838 |
| Noninterest expense to average assets | 2.2788% | 5,206 |
| Loan and lease loss provision to assets | 0.0184% | 3,899 |
| Net operating income to assets | 1.1389% | 1,789 |
| Return on assets (ROA) | 1.1472% | 1,848 |
| Pretax return on assets | 1.1472% | 2,895 |
| Return on Equity (ROE) | 10.6147% | 1,887 |
| Retained earnings to average equity (ytd only) | 3.4787% | 3,989 |
| Net charge-offs to loans | -0.0448% | 5,823 |
| Credit loss provision to net charge-offs | -111.1111% | 5,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9647% | 4,694 |
| Assets per employee ($millions) | 2.8733% | 5,926 |
| Cash dividends to net income (ytd only)* | 67.2276% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 4,004 |
| Loan loss allowance to noncurrent loans | 349.4774% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 5,706 |
| Noncurrent loans to loans | 0.3646% | 4,898 |
| Net loans and leases to total assets | 35.1300% | 6,099 |
| Net loans and leases to deposits | 39.9643% | 6,159 |
| Net loans and leases to core deposits | 40.2439% | 6,216 |
| Total domestic deposits to total assets | 87.9034% | 1,961 |
| Equity capital to assets | 10.9983% | 2,877 |
| Core capital (leverage) ratio | 7.1229% | 6,410 |
| Tier 1 risk-based capital ratio | 15.0656% | 3,599 |
| Total risk-based capital ratio | 16.0620% | 3,690 |
| Memoranda: | ||
| Average total assets | $217,573,000 | 2,840 |
| Average earning assets | $197,792,330 | 2,861 |
| Average equity | $23,514,670 | 2,801 |
| Average total loans | $80,328,670 | 3,899 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7234% | 4,762 |
| Cost of funding earning assets | 0.4690% | 3,235 |
| Net interest margin | 3.2544% | 4,725 |
| Noninterest income to average assets | 0.4598% | 3,712 |
| Noninterest expense to average assets | 2.2768% | 5,254 |
| Loan and lease loss provision to assets | 0.0278% | 3,466 |
| Net operating income to assets | 1.1143% | 1,753 |
| Return on assets (ROA) | 1.1143% | 1,816 |
| Pretax return on assets | 1.1143% | 2,832 |
| Return on Equity (ROE) | 10.4044% | 1,911 |
| Retained earnings to average equity (ytd only) | 2.9084% | 4,357 |
| Net charge-offs to loans | -0.1331% | 6,244 |
| Credit loss provision to net charge-offs | -55.5556% | 4,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2082% | 4,827 |
| Assets per employee ($millions) | 3.2536% | 5,436 |
| Cash dividends to net income (ytd only)* | 72.0466% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 4,409 |
| Loan loss allowance to noncurrent loans | 430.3419% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 5,876 |
| Noncurrent loans to loans | 0.2892% | 5,248 |
| Net loans and leases to total assets | 36.1114% | 6,064 |
| Net loans and leases to deposits | 40.8339% | 6,142 |
| Net loans and leases to core deposits | 41.1859% | 6,192 |
| Total domestic deposits to total assets | 88.4349% | 1,970 |
| Equity capital to assets | 10.6024% | 3,141 |
| Core capital (leverage) ratio | 7.2592% | 6,413 |
| Tier 1 risk-based capital ratio | 15.4646% | 3,459 |
| Total risk-based capital ratio | 16.5111% | 3,528 |
| Memoranda: | ||
| Average total assets | $215,737,500 | 2,877 |
| Average earning assets | $196,167,000 | 2,896 |
| Average equity | $23,105,500 | 2,836 |
| Average total loans | $81,130,000 | 3,901 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7360% | 5,017 |
| Cost of funding earning assets | 0.5760% | 2,877 |
| Net interest margin | 3.1600% | 5,127 |
| Noninterest income to average assets | 0.4350% | 4,196 |
| Noninterest expense to average assets | 2.2607% | 5,479 |
| Loan and lease loss provision to assets | 0.0283% | 4,547 |
| Net operating income to assets | 1.0198% | 2,249 |
| Return on assets (ROA) | 1.0321% | 2,257 |
| Pretax return on assets | 1.0321% | 3,220 |
| Return on Equity (ROE) | 9.3370% | 2,399 |
| Retained earnings to average equity (ytd only) | 3.6194% | 3,647 |
| Net charge-offs to loans | 0.0761% | 4,146 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 36.9833% | 1,013 |
| Efficiency ratio | 65.6531% | 4,627 |
| Assets per employee ($millions) | 2.8799% | 6,006 |
| Cash dividends to net income (ytd only)* | 61.2357% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 4,730 |
| Loan loss allowance to noncurrent loans | 468.4466% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 5,980 |
| Noncurrent loans to loans | 0.2532% | 5,421 |
| Net loans and leases to total assets | 38.2406% | 6,073 |
| Net loans and leases to deposits | 43.4960% | 6,146 |
| Net loans and leases to core deposits | 43.7121% | 6,240 |
| Total domestic deposits to total assets | 87.9176% | 2,219 |
| Equity capital to assets | 10.8233% | 2,793 |
| Core capital (leverage) ratio | 7.3451% | 6,430 |
| Tier 1 risk-based capital ratio | 15.7200% | 3,242 |
| Total risk-based capital ratio | 16.7542% | 3,324 |
| Memoranda: | ||
| Average total assets | $211,707,000 | 2,899 |
| Average earning assets | $192,531,400 | 2,920 |
| Average equity | $23,401,400 | 2,782 |
| Average total loans | $78,813,200 | 3,972 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7229% | 5,103 |
| Cost of funding earning assets | 0.5978% | 2,828 |
| Net interest margin | 3.1251% | 5,249 |
| Noninterest income to average assets | 0.4313% | 4,285 |
| Noninterest expense to average assets | 2.2457% | 5,491 |
| Loan and lease loss provision to assets | 0.0283% | 4,446 |
| Net operating income to assets | 1.0002% | 2,374 |
| Return on assets (ROA) | 1.0166% | 2,398 |
| Pretax return on assets | 1.0166% | 3,440 |
| Return on Equity (ROE) | 9.1496% | 2,570 |
| Retained earnings to average equity (ytd only) | 3.3554% | 4,293 |
| Net charge-offs to loans | 0.0375% | 4,396 |
| Credit loss provision to net charge-offs | 204.5455% | 1,181 |
| Earnings coverage of net charge-offs (x) | 74.3703% | 635 |
| Efficiency ratio | 65.8602% | 4,512 |
| Assets per employee ($millions) | 2.8752% | 6,042 |
| Cash dividends to net income (ytd only)* | 63.3271% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 4,652 |
| Loan loss allowance to noncurrent loans | 340.6897% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 5,934 |
| Noncurrent loans to loans | 0.3661% | 5,299 |
| Net loans and leases to total assets | 38.3151% | 6,155 |
| Net loans and leases to deposits | 44.0822% | 6,200 |
| Net loans and leases to core deposits | 44.3089% | 6,290 |
| Total domestic deposits to total assets | 86.9175% | 2,741 |
| Equity capital to assets | 11.1582% | 2,612 |
| Core capital (leverage) ratio | 7.2393% | 6,531 |
| Tier 1 risk-based capital ratio | 15.8290% | 3,284 |
| Total risk-based capital ratio | 16.9173% | 3,327 |
| Memoranda: | ||
| Average total assets | $212,075,750 | 2,919 |
| Average earning assets | $192,926,750 | 2,935 |
| Average equity | $23,563,250 | 2,796 |
| Average total loans | $78,176,750 | 4,021 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6530% | 5,282 |
| Cost of funding earning assets | 0.6274% | 2,708 |
| Net interest margin | 3.0256% | 5,506 |
| Noninterest income to average assets | 0.4285% | 4,317 |
| Noninterest expense to average assets | 2.1898% | 5,656 |
| Loan and lease loss provision to assets | 0.0279% | 4,370 |
| Net operating income to assets | 0.9687% | 2,473 |
| Return on assets (ROA) | 0.9687% | 2,617 |
| Pretax return on assets | 0.9687% | 3,643 |
| Return on Equity (ROE) | 8.7303% | 2,746 |
| Retained earnings to average equity (ytd only) | 2.5855% | 4,659 |
| Net charge-offs to loans | 0.0540% | 3,924 |
| Credit loss provision to net charge-offs | 142.8571% | 1,591 |
| Earnings coverage of net charge-offs (x) | 50.9524% | 793 |
| Efficiency ratio | 65.9456% | 4,554 |
| Assets per employee ($millions) | 3.0089% | 5,842 |
| Cash dividends to net income (ytd only)* | 70.3846% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 4,861 |
| Loan loss allowance to noncurrent loans | 279.0831% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 5,918 |
| Noncurrent loans to loans | 0.4387% | 5,166 |
| Net loans and leases to total assets | 37.3056% | 6,219 |
| Net loans and leases to deposits | 42.3524% | 6,308 |
| Net loans and leases to core deposits | 42.5459% | 6,383 |
| Total domestic deposits to total assets | 88.0838% | 2,190 |
| Equity capital to assets | 10.8166% | 2,926 |
| Core capital (leverage) ratio | 6.6955% | 6,672 |
| Tier 1 risk-based capital ratio | 15.6316% | 3,406 |
| Total risk-based capital ratio | 16.7162% | 3,457 |
| Memoranda: | ||
| Average total assets | $214,722,330 | 2,905 |
| Average earning assets | $195,729,000 | 2,920 |
| Average equity | $23,825,000 | 2,789 |
| Average total loans | $77,834,670 | 4,048 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6036% | 5,443 |
| Cost of funding earning assets | 0.6495% | 2,663 |
| Net interest margin | 2.9541% | 5,696 |
| Noninterest income to average assets | 0.4299% | 4,250 |
| Noninterest expense to average assets | 2.2291% | 5,613 |
| Loan and lease loss provision to assets | 0.0277% | 4,118 |
| Net operating income to assets | 0.8673% | 2,822 |
| Return on assets (ROA) | 0.8673% | 2,964 |
| Pretax return on assets | 0.8673% | 3,884 |
| Return on Equity (ROE) | 7.7218% | 3,106 |
| Retained earnings to average equity (ytd only) | 1.3636% | 5,299 |
| Net charge-offs to loans | 0.1195% | 2,708 |
| Credit loss provision to net charge-offs | 65.2174% | 2,355 |
| Earnings coverage of net charge-offs (x) | 21.0870% | 1,169 |
| Efficiency ratio | 68.5174% | 4,217 |
| Assets per employee ($millions) | 3.1426% | 5,742 |
| Cash dividends to net income (ytd only)* | 82.3404% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 4,979 |
| Loan loss allowance to noncurrent loans | 478.5000% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 6,224 |
| Noncurrent loans to loans | 0.2600% | 5,757 |
| Net loans and leases to total assets | 34.0510% | 6,418 |
| Net loans and leases to deposits | 38.7121% | 6,477 |
| Net loans and leases to core deposits | 38.9401% | 6,525 |
| Total domestic deposits to total assets | 87.9596% | 2,343 |
| Equity capital to assets | 10.9208% | 3,051 |
| Core capital (leverage) ratio | 6.8274% | 6,688 |
| Tier 1 risk-based capital ratio | 15.6905% | 3,431 |
| Total risk-based capital ratio | 16.7814% | 3,469 |
| Memoranda: | ||
| Average total assets | $216,773,500 | 2,915 |
| Average earning assets | $197,692,000 | 2,921 |
| Average equity | $24,346,500 | 2,773 |
| Average total loans | $76,978,500 | 4,103 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1939% | 4,612 |
| Cost of funding earning assets | 0.8400% | 2,362 |
| Net interest margin | 3.3539% | 5,055 |
| Noninterest income to average assets | 0.5176% | 3,786 |
| Noninterest expense to average assets | 2.2949% | 5,704 |
| Loan and lease loss provision to assets | 0.0299% | 5,525 |
| Net operating income to assets | 1.2272% | 1,512 |
| Return on assets (ROA) | 1.2272% | 1,679 |
| Pretax return on assets | 1.2272% | 2,692 |
| Return on Equity (ROE) | 10.2756% | 2,060 |
| Retained earnings to average equity (ytd only) | 5.1399% | 2,614 |
| Net charge-offs to loans | 0.1374% | 4,316 |
| Credit loss provision to net charge-offs | 57.1429% | 4,523 |
| Earnings coverage of net charge-offs (x) | 24.0095% | 1,191 |
| Efficiency ratio | 61.7156% | 5,280 |
| Assets per employee ($millions) | 3.1406% | 5,762 |
| Cash dividends to net income (ytd only)* | 49.9797% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 4,856 |
| Loan loss allowance to noncurrent loans | 371.1538% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 6,122 |
| Noncurrent loans to loans | 0.3376% | 5,639 |
| Net loans and leases to total assets | 36.1458% | 6,426 |
| Net loans and leases to deposits | 41.4554% | 6,481 |
| Net loans and leases to core deposits | 41.7150% | 6,555 |
| Total domestic deposits to total assets | 87.1920% | 2,711 |
| Equity capital to assets | 11.5605% | 2,388 |
| Core capital (leverage) ratio | 6.7811% | 6,746 |
| Tier 1 risk-based capital ratio | 15.4006% | 3,485 |
| Total risk-based capital ratio | 16.4906% | 3,535 |
| Memoranda: | ||
| Average total assets | $200,530,400 | 3,032 |
| Average earning assets | $181,431,200 | 3,066 |
| Average equity | $23,950,000 | 2,750 |
| Average total loans | $76,415,600 | 4,140 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2752% | 4,554 |
| Cost of funding earning assets | 0.8583% | 2,471 |
| Net interest margin | 3.4169% | 4,977 |
| Noninterest income to average assets | 0.5204% | 3,801 |
| Noninterest expense to average assets | 2.3164% | 5,645 |
| Loan and lease loss provision to assets | 0.0303% | 5,402 |
| Net operating income to assets | 1.2636% | 1,530 |
| Return on assets (ROA) | 1.2636% | 1,695 |
| Pretax return on assets | 1.2636% | 2,735 |
| Return on Equity (ROE) | 10.4904% | 2,141 |
| Retained earnings to average equity (ytd only) | 4.7618% | 3,552 |
| Net charge-offs to loans | 0.1031% | 4,362 |
| Credit loss provision to net charge-offs | 76.2712% | 3,726 |
| Earnings coverage of net charge-offs (x) | 32.5782% | 1,025 |
| Efficiency ratio | 61.2157% | 5,272 |
| Assets per employee ($millions) | 3.0032% | 6,050 |
| Cash dividends to net income (ytd only)* | 54.6084% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 4,844 |
| Loan loss allowance to noncurrent loans | 503.0303% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.1530% | 6,328 |
| Noncurrent loans to loans | 0.2571% | 5,976 |
| Net loans and leases to total assets | 36.6847% | 6,506 |
| Net loans and leases to deposits | 42.2491% | 6,583 |
| Net loans and leases to core deposits | 42.4437% | 6,657 |
| Total domestic deposits to total assets | 86.8295% | 2,784 |
| Equity capital to assets | 11.8497% | 2,394 |
| Core capital (leverage) ratio | 6.9234% | 6,814 |
| Tier 1 risk-based capital ratio | 14.7642% | 4,004 |
| Total risk-based capital ratio | 15.8776% | 4,066 |
| Memoranda: | ||
| Average total assets | $198,057,250 | 3,103 |
| Average earning assets | $179,105,500 | 3,139 |
| Average equity | $23,856,000 | 2,790 |
| Average total loans | $76,263,500 | 4,193 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3448% | 4,395 |
| Cost of funding earning assets | 0.8944% | 2,447 |
| Net interest margin | 3.4504% | 4,877 |
| Noninterest income to average assets | 0.5333% | 3,700 |
| Noninterest expense to average assets | 2.3507% | 5,619 |
| Loan and lease loss provision to assets | 0.0308% | 5,282 |
| Net operating income to assets | 1.2697% | 1,516 |
| Return on assets (ROA) | 1.2697% | 1,681 |
| Pretax return on assets | 1.2697% | 2,650 |
| Return on Equity (ROE) | 10.4813% | 2,182 |
| Retained earnings to average equity (ytd only) | 4.9528% | 3,301 |
| Net charge-offs to loans | 0.0605% | 4,579 |
| Credit loss provision to net charge-offs | 130.4348% | 2,104 |
| Earnings coverage of net charge-offs (x) | 55.1304% | 677 |
| Efficiency ratio | 61.4045% | 5,348 |
| Assets per employee ($millions) | 2.9266% | 6,188 |
| Cash dividends to net income (ytd only)* | 52.7464% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 4,676 |
| Loan loss allowance to noncurrent loans | 236.5116% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 6,148 |
| Noncurrent loans to loans | 0.5698% | 5,370 |
| Net loans and leases to total assets | 37.4090% | 6,525 |
| Net loans and leases to deposits | 43.1583% | 6,595 |
| Net loans and leases to core deposits | 43.3791% | 6,686 |
| Total domestic deposits to total assets | 86.6786% | 2,967 |
| Equity capital to assets | 12.0591% | 2,109 |
| Core capital (leverage) ratio | 6.7507% | 6,878 |
| Tier 1 risk-based capital ratio | 15.1270% | 3,682 |
| Total risk-based capital ratio | 16.3208% | 3,681 |
| Memoranda: | ||
| Average total assets | $195,003,000 | 3,154 |
| Average earning assets | $176,210,000 | 3,188 |
| Average equity | $23,623,000 | 2,798 |
| Average total loans | $76,013,330 | 4,222 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3504% | 4,520 |
| Cost of funding earning assets | 0.9132% | 2,585 |
| Net interest margin | 3.4372% | 4,971 |
| Noninterest income to average assets | 0.5886% | 3,306 |
| Noninterest expense to average assets | 2.4083% | 5,445 |
| Loan and lease loss provision to assets | 0.0311% | 4,979 |
| Net operating income to assets | 1.2539% | 1,594 |
| Return on assets (ROA) | 1.2539% | 1,763 |
| Pretax return on assets | 1.2539% | 2,710 |
| Return on Equity (ROE) | 10.3264% | 2,291 |
| Retained earnings to average equity (ytd only) | 3.3113% | 4,579 |
| Net charge-offs to loans | 0.1835% | 3,005 |
| Credit loss provision to net charge-offs | 42.8571% | 3,394 |
| Earnings coverage of net charge-offs (x) | 17.7143% | 1,294 |
| Efficiency ratio | 62.2334% | 5,232 |
| Assets per employee ($millions) | 2.9259% | 6,297 |
| Cash dividends to net income (ytd only)* | 67.9339% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 4,928 |
| Loan loss allowance to noncurrent loans | 264.0000% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 6,330 |
| Noncurrent loans to loans | 0.5003% | 5,673 |
| Net loans and leases to total assets | 36.6398% | 6,584 |
| Net loans and leases to deposits | 42.0615% | 6,656 |
| Net loans and leases to core deposits | 42.2711% | 6,733 |
| Total domestic deposits to total assets | 87.1101% | 2,893 |
| Equity capital to assets | 11.6674% | 2,288 |
| Core capital (leverage) ratio | 6.7648% | 6,915 |
| Tier 1 risk-based capital ratio | 14.5240% | 4,087 |
| Total risk-based capital ratio | 15.6795% | 4,128 |
| Memoranda: | ||
| Average total assets | $192,999,000 | 3,197 |
| Average earning assets | $174,328,000 | 3,232 |
| Average equity | $23,435,000 | 2,808 |
| Average total loans | $76,287,500 | 4,232 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7840% | 3,883 |
| Cost of funding earning assets | 1.0630% | 2,933 |
| Net interest margin | 3.7210% | 4,204 |
| Noninterest income to average assets | 0.4425% | 4,287 |
| Noninterest expense to average assets | 2.5211% | 5,399 |
| Loan and lease loss provision to assets | 0.0214% | 6,304 |
| Net operating income to assets | 1.2338% | 1,422 |
| Return on assets (ROA) | 1.2359% | 1,518 |
| Pretax return on assets | 1.2359% | 2,337 |
| Return on Equity (ROE) | 10.2580% | 1,970 |
| Retained earnings to average equity (ytd only) | 1.5187% | 5,132 |
| Net charge-offs to loans | 0.1407% | 5,021 |
| Credit loss provision to net charge-offs | 35.7143% | 5,700 |
| Earnings coverage of net charge-offs (x) | 20.9464% | 1,113 |
| Efficiency ratio | 63.4457% | 5,223 |
| Assets per employee ($millions) | 2.7075% | 6,601 |
| Cash dividends to net income (ytd only)* | 85.1948% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 4,898 |
| Loan loss allowance to noncurrent loans | 235.9813% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 6,249 |
| Noncurrent loans to loans | 0.5514% | 5,616 |
| Net loans and leases to total assets | 41.6075% | 6,415 |
| Net loans and leases to deposits | 48.5598% | 6,456 |
| Net loans and leases to core deposits | 48.8278% | 6,602 |
| Total domestic deposits to total assets | 85.6831% | 3,490 |
| Equity capital to assets | 12.6636% | 1,685 |
| Core capital (leverage) ratio | 6.7289% | 6,937 |
| Tier 1 risk-based capital ratio | 14.9563% | 3,664 |
| Total risk-based capital ratio | 16.1948% | 3,632 |
| Memoranda: | ||
| Average total assets | $186,901,600 | 3,235 |
| Average earning assets | $167,454,000 | 3,292 |
| Average equity | $22,519,000 | 2,833 |
| Average total loans | $79,619,800 | 4,149 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8199% | 3,940 |
| Cost of funding earning assets | 1.0678% | 3,188 |
| Net interest margin | 3.7521% | 4,100 |
| Noninterest income to average assets | 0.4328% | 4,415 |
| Noninterest expense to average assets | 2.5294% | 5,355 |
| Loan and lease loss provision to assets | 0.0178% | 6,216 |
| Net operating income to assets | 1.2445% | 1,533 |
| Return on assets (ROA) | 1.2473% | 1,629 |
| Pretax return on assets | 1.2473% | 2,462 |
| Return on Equity (ROE) | 10.4836% | 2,041 |
| Retained earnings to average equity (ytd only) | 1.0215% | 5,603 |
| Net charge-offs to loans | 0.1947% | 4,246 |
| Credit loss provision to net charge-offs | 21.3675% | 5,541 |
| Earnings coverage of net charge-offs (x) | 15.1791% | 1,484 |
| Efficiency ratio | 63.3177% | 5,177 |
| Assets per employee ($millions) | 2.7383% | 6,598 |
| Cash dividends to net income (ytd only)* | 90.2566% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 5,127 |
| Loan loss allowance to noncurrent loans | 294.6429% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 6,477 |
| Noncurrent loans to loans | 0.4324% | 5,977 |
| Net loans and leases to total assets | 40.0245% | 6,627 |
| Net loans and leases to deposits | 46.3050% | 6,728 |
| Net loans and leases to core deposits | 46.5469% | 6,823 |
| Total domestic deposits to total assets | 86.4368% | 2,969 |
| Equity capital to assets | 12.0341% | 2,220 |
| Core capital (leverage) ratio | 6.5822% | 7,058 |
| Tier 1 risk-based capital ratio | 14.2123% | 4,188 |
| Total risk-based capital ratio | 15.3874% | 4,218 |
| Memoranda: | ||
| Average total assets | $187,599,250 | 3,236 |
| Average earning assets | $167,937,250 | 3,289 |
| Average equity | $22,320,000 | 2,858 |
| Average total loans | $80,121,250 | 4,169 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8958% | 3,640 |
| Cost of funding earning assets | 1.0905% | 3,312 |
| Net interest margin | 3.8053% | 3,755 |
| Noninterest income to average assets | 0.4210% | 4,505 |
| Noninterest expense to average assets | 2.5473% | 5,368 |
| Loan and lease loss provision to assets | 0.0107% | 6,132 |
| Net operating income to assets | 1.2618% | 1,416 |
| Return on assets (ROA) | 1.2618% | 1,481 |
| Pretax return on assets | 1.2618% | 2,263 |
| Return on Equity (ROE) | 10.6475% | 1,914 |
| Retained earnings to average equity (ytd only) | 1.5224% | 5,219 |
| Net charge-offs to loans | 0.1483% | 4,302 |
| Credit loss provision to net charge-offs | 16.6667% | 5,179 |
| Earnings coverage of net charge-offs (x) | 19.7500% | 1,205 |
| Efficiency ratio | 63.2837% | 5,366 |
| Assets per employee ($millions) | 2.6797% | 6,666 |
| Cash dividends to net income (ytd only)* | 85.7021% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 5,047 |
| Loan loss allowance to noncurrent loans | 228.8248% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2575% | 6,483 |
| Noncurrent loans to loans | 0.5698% | 5,786 |
| Net loans and leases to total assets | 41.0582% | 6,663 |
| Net loans and leases to deposits | 47.9560% | 6,729 |
| Net loans and leases to core deposits | 48.2091% | 6,847 |
| Total domestic deposits to total assets | 85.6164% | 3,550 |
| Equity capital to assets | 11.8128% | 2,234 |
| Core capital (leverage) ratio | 6.5286% | 7,119 |
| Tier 1 risk-based capital ratio | 14.0596% | 4,129 |
| Total risk-based capital ratio | 15.2777% | 4,129 |
| Memoranda: | ||
| Average total assets | $186,239,000 | 3,283 |
| Average earning assets | $166,345,000 | 3,331 |
| Average equity | $22,071,000 | 2,868 |
| Average total loans | $80,925,330 | 4,183 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9285% | 3,427 |
| Cost of funding earning assets | 1.0887% | 3,594 |
| Net interest margin | 3.8398% | 3,417 |
| Noninterest income to average assets | 0.4234% | 4,507 |
| Noninterest expense to average assets | 2.5577% | 5,362 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2810% | 1,321 |
| Return on assets (ROA) | 1.2810% | 1,367 |
| Pretax return on assets | 1.2810% | 2,095 |
| Return on Equity (ROE) | 10.7915% | 1,808 |
| Retained earnings to average equity (ytd only) | -0.1280% | 5,812 |
| Net charge-offs to loans | -0.0196% | 6,563 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2353% | 5,480 |
| Assets per employee ($millions) | 2.7344% | 6,653 |
| Cash dividends to net income (ytd only)* | 101.1864% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 4,987 |
| Loan loss allowance to noncurrent loans | 191.5344% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 6,449 |
| Noncurrent loans to loans | 0.6945% | 5,630 |
| Net loans and leases to total assets | 42.6944% | 6,562 |
| Net loans and leases to deposits | 49.1819% | 6,674 |
| Net loans and leases to core deposits | 49.4384% | 6,806 |
| Total domestic deposits to total assets | 86.8091% | 3,051 |
| Equity capital to assets | 11.5727% | 2,210 |
| Core capital (leverage) ratio | 6.6136% | 7,141 |
| Tier 1 risk-based capital ratio | 13.5663% | 4,382 |
| Total risk-based capital ratio | 14.8166% | 4,347 |
| Memoranda: | ||
| Average total assets | $184,229,000 | 3,334 |
| Average earning assets | $163,863,500 | 3,391 |
| Average equity | $21,869,000 | 2,886 |
| Average total loans | $81,813,500 | 4,196 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2234% | 3,495 |
| Cost of funding earning assets | 1.2555% | 4,177 |
| Net interest margin | 3.9679% | 3,165 |
| Noninterest income to average assets | 0.4442% | 4,565 |
| Noninterest expense to average assets | 2.6708% | 5,121 |
| Loan and lease loss provision to assets | 0.0083% | 6,995 |
| Net operating income to assets | 1.3054% | 1,154 |
| Return on assets (ROA) | 1.3054% | 1,217 |
| Pretax return on assets | 1.3054% | 1,914 |
| Return on Equity (ROE) | 10.8927% | 1,618 |
| Retained earnings to average equity (ytd only) | 2.1887% | 4,360 |
| Net charge-offs to loans | 0.0993% | 5,866 |
| Credit loss provision to net charge-offs | 18.0723% | 6,569 |
| Earnings coverage of net charge-offs (x) | 28.5422% | 760 |
| Efficiency ratio | 63.2707% | 5,467 |
| Assets per employee ($millions) | 2.6439% | 6,779 |
| Cash dividends to net income (ytd only)* | 79.9065% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 4,901 |
| Loan loss allowance to noncurrent loans | 263.9024% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 6,660 |
| Noncurrent loans to loans | 0.5001% | 6,041 |
| Net loans and leases to total assets | 45.0017% | 6,635 |
| Net loans and leases to deposits | 52.2328% | 6,731 |
| Net loans and leases to core deposits | 53.1050% | 6,855 |
| Total domestic deposits to total assets | 86.1560% | 3,275 |
| Equity capital to assets | 12.1831% | 1,807 |
| Core capital (leverage) ratio | 6.6298% | 7,163 |
| Tier 1 risk-based capital ratio | 13.6839% | 4,073 |
| Total risk-based capital ratio | 14.9343% | 4,048 |
| Memoranda: | ||
| Average total assets | $180,323,200 | 3,369 |
| Average earning assets | $160,891,800 | 3,433 |
| Average equity | $21,610,800 | 2,928 |
| Average total loans | $83,552,800 | 4,224 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2534% | 3,564 |
| Cost of funding earning assets | 1.2792% | 4,376 |
| Net interest margin | 3.9742% | 3,216 |
| Noninterest income to average assets | 0.4293% | 4,723 |
| Noninterest expense to average assets | 2.6702% | 5,006 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3033% | 1,331 |
| Return on assets (ROA) | 1.3033% | 1,401 |
| Pretax return on assets | 1.3033% | 2,159 |
| Return on Equity (ROE) | 10.9201% | 1,811 |
| Retained earnings to average equity (ytd only) | 1.8200% | 5,051 |
| Net charge-offs to loans | 0.1159% | 5,383 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 24.1646% | 1,037 |
| Efficiency ratio | 63.3135% | 5,377 |
| Assets per employee ($millions) | 2.6992% | 6,775 |
| Cash dividends to net income (ytd only)* | 83.3333% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 4,924 |
| Loan loss allowance to noncurrent loans | 296.6942% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 6,715 |
| Noncurrent loans to loans | 0.4407% | 6,314 |
| Net loans and leases to total assets | 44.2935% | 6,816 |
| Net loans and leases to deposits | 51.1756% | 6,935 |
| Net loans and leases to core deposits | 52.1238% | 7,045 |
| Total domestic deposits to total assets | 86.5520% | 2,784 |
| Equity capital to assets | 12.0314% | 2,141 |
| Core capital (leverage) ratio | 6.5755% | 7,316 |
| Tier 1 risk-based capital ratio | 13.3154% | 4,340 |
| Total risk-based capital ratio | 14.5660% | 4,308 |
| Memoranda: | ||
| Average total assets | $180,458,500 | 3,417 |
| Average earning assets | $160,934,250 | 3,479 |
| Average equity | $21,537,750 | 2,979 |
| Average total loans | $83,944,250 | 4,287 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3253% | 3,346 |
| Cost of funding earning assets | 1.3413% | 4,244 |
| Net interest margin | 3.9840% | 3,094 |
| Noninterest income to average assets | 0.4303% | 4,677 |
| Noninterest expense to average assets | 2.6528% | 5,115 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3264% | 1,245 |
| Return on assets (ROA) | 1.3287% | 1,315 |
| Pretax return on assets | 1.3287% | 2,006 |
| Return on Equity (ROE) | 11.1631% | 1,698 |
| Retained earnings to average equity (ytd only) | 2.6971% | 4,422 |
| Net charge-offs to loans | 0.0758% | 5,383 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 37.1875% | 774 |
| Efficiency ratio | 62.7451% | 5,564 |
| Assets per employee ($millions) | 2.6812% | 6,806 |
| Cash dividends to net income (ytd only)* | 75.8389% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 4,744 |
| Loan loss allowance to noncurrent loans | 246.7991% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 6,654 |
| Noncurrent loans to loans | 0.5417% | 6,167 |
| Net loans and leases to total assets | 45.2526% | 6,828 |
| Net loans and leases to deposits | 53.1071% | 6,919 |
| Net loans and leases to core deposits | 53.9167% | 7,040 |
| Total domestic deposits to total assets | 85.2102% | 3,516 |
| Equity capital to assets | 12.0206% | 2,083 |
| Core capital (leverage) ratio | 6.4967% | 7,386 |
| Tier 1 risk-based capital ratio | 12.8234% | 4,586 |
| Total risk-based capital ratio | 14.0731% | 4,547 |
| Memoranda: | ||
| Average total assets | $179,430,000 | 3,448 |
| Average earning assets | $159,839,330 | 3,517 |
| Average equity | $21,356,000 | 2,994 |
| Average total loans | $84,467,330 | 4,307 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3931% | 3,068 |
| Cost of funding earning assets | 1.4146% | 4,089 |
| Net interest margin | 3.9785% | 2,963 |
| Noninterest income to average assets | 0.4113% | 4,809 |
| Noninterest expense to average assets | 2.6789% | 5,005 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2720% | 1,355 |
| Return on assets (ROA) | 1.2720% | 1,429 |
| Pretax return on assets | 1.2720% | 2,132 |
| Return on Equity (ROE) | 10.7421% | 1,855 |
| Retained earnings to average equity (ytd only) | 0.5694% | 5,599 |
| Net charge-offs to loans | 0.1461% | 4,057 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 18.2581% | 1,242 |
| Efficiency ratio | 63.8225% | 5,533 |
| Assets per employee ($millions) | 2.6785% | 6,902 |
| Cash dividends to net income (ytd only)* | 94.6996% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 4,816 |
| Loan loss allowance to noncurrent loans | 227.9022% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.3102% | 6,700 |
| Noncurrent loans to loans | 0.5798% | 6,143 |
| Net loans and leases to total assets | 45.8773% | 6,839 |
| Net loans and leases to deposits | 52.8069% | 6,993 |
| Net loans and leases to core deposits | 53.5638% | 7,131 |
| Total domestic deposits to total assets | 86.8775% | 2,689 |
| Equity capital to assets | 11.6648% | 2,255 |
| Core capital (leverage) ratio | 6.5556% | 7,445 |
| Tier 1 risk-based capital ratio | 12.3535% | 4,864 |
| Total risk-based capital ratio | 13.6032% | 4,821 |
| Memoranda: | ||
| Average total assets | $177,984,500 | 3,523 |
| Average earning assets | $158,351,000 | 3,600 |
| Average equity | $21,076,000 | 3,059 |
| Average total loans | $84,889,500 | 4,356 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7949% | 2,679 |
| Cost of funding earning assets | 1.7350% | 4,332 |
| Net interest margin | 4.0599% | 2,607 |
| Noninterest income to average assets | 0.4424% | 4,865 |
| Noninterest expense to average assets | 2.8398% | 4,789 |
| Loan and lease loss provision to assets | 0.0696% | 6,881 |
| Net operating income to assets | 1.1364% | 1,422 |
| Return on assets (ROA) | 1.1480% | 1,417 |
| Pretax return on assets | 1.1480% | 2,102 |
| Return on Equity (ROE) | 9.7716% | 1,753 |
| Retained earnings to average equity (ytd only) | 0.1431% | 4,822 |
| Net charge-offs to loans | 0.1126% | 6,035 |
| Credit loss provision to net charge-offs | 122.4490% | 4,318 |
| Earnings coverage of net charge-offs (x) | 21.2245% | 1,005 |
| Efficiency ratio | 65.6205% | 5,468 |
| Assets per employee ($millions) | 2.5563% | 7,111 |
| Cash dividends to net income (ytd only)* | 98.5354% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 4,471 |
| Loan loss allowance to noncurrent loans | 202.4648% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.3268% | 6,623 |
| Noncurrent loans to loans | 0.6675% | 5,904 |
| Net loans and leases to total assets | 48.2940% | 6,788 |
| Net loans and leases to deposits | 56.8929% | 6,862 |
| Net loans and leases to core deposits | 63.8243% | 7,099 |
| Total domestic deposits to total assets | 84.8859% | 3,606 |
| Equity capital to assets | 12.0266% | 2,021 |
| Core capital (leverage) ratio | 6.5135% | 7,490 |
| Tier 1 risk-based capital ratio | 12.4855% | 4,537 |
| Total risk-based capital ratio | 13.7365% | 4,481 |
| Memoranda: | ||
| Average total assets | $172,476,000 | 3,565 |
| Average earning assets | $153,082,800 | 3,652 |
| Average equity | $20,262,800 | 3,161 |
| Average total loans | $86,996,400 | 4,304 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8209% | 2,797 |
| Cost of funding earning assets | 1.7655% | 4,551 |
| Net interest margin | 4.0554% | 2,571 |
| Noninterest income to average assets | 0.4330% | 5,017 |
| Noninterest expense to average assets | 2.8643% | 4,595 |
| Loan and lease loss provision to assets | 0.0837% | 6,533 |
| Net operating income to assets | 1.0844% | 1,785 |
| Return on assets (ROA) | 1.0999% | 1,791 |
| Pretax return on assets | 1.0999% | 2,570 |
| Return on Equity (ROE) | 9.4184% | 2,122 |
| Retained earnings to average equity (ytd only) | -0.5638% | 5,368 |
| Net charge-offs to loans | 0.1204% | 5,495 |
| Credit loss provision to net charge-offs | 136.7089% | 3,623 |
| Earnings coverage of net charge-offs (x) | 19.0888% | 1,314 |
| Efficiency ratio | 66.2505% | 5,321 |
| Assets per employee ($millions) | 2.6237% | 7,008 |
| Cash dividends to net income (ytd only)* | 105.9859% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 4,191 |
| Loan loss allowance to noncurrent loans | 80.0692% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.8220% | 5,447 |
| Noncurrent loans to loans | 1.6883% | 4,114 |
| Net loans and leases to total assets | 48.0297% | 6,953 |
| Net loans and leases to deposits | 55.6412% | 7,116 |
| Net loans and leases to core deposits | 61.7502% | 7,334 |
| Total domestic deposits to total assets | 86.3205% | 2,527 |
| Equity capital to assets | 11.7874% | 2,365 |
| Core capital (leverage) ratio | 6.5457% | 7,654 |
| Tier 1 risk-based capital ratio | 12.2488% | 4,748 |
| Total risk-based capital ratio | 13.4993% | 4,688 |
| Memoranda: | ||
| Average total assets | $172,137,250 | 3,587 |
| Average earning assets | $152,779,500 | 3,674 |
| Average equity | $20,102,000 | 3,214 |
| Average total loans | $87,470,500 | 4,322 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8878% | 2,645 |
| Cost of funding earning assets | 1.8495% | 4,513 |
| Net interest margin | 4.0383% | 2,546 |
| Noninterest income to average assets | 0.4212% | 5,111 |
| Noninterest expense to average assets | 2.9031% | 4,489 |
| Loan and lease loss provision to assets | 0.0842% | 6,334 |
| Net operating income to assets | 1.0133% | 2,061 |
| Return on assets (ROA) | 1.0133% | 2,152 |
| Pretax return on assets | 1.0133% | 2,956 |
| Return on Equity (ROE) | 8.7054% | 2,465 |
| Retained earnings to average equity (ytd only) | -1.6285% | 5,654 |
| Net charge-offs to loans | 0.0477% | 5,809 |
| Credit loss provision to net charge-offs | 342.8571% | 1,349 |
| Earnings coverage of net charge-offs (x) | 44.6667% | 751 |
| Efficiency ratio | 67.7099% | 5,208 |
| Assets per employee ($millions) | 2.5405% | 7,172 |
| Cash dividends to net income (ytd only)* | 118.7067% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 3,951 |
| Loan loss allowance to noncurrent loans | 88.7801% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.7687% | 5,474 |
| Noncurrent loans to loans | 1.5274% | 4,207 |
| Net loans and leases to total assets | 49.6443% | 6,906 |
| Net loans and leases to deposits | 58.2031% | 7,009 |
| Net loans and leases to core deposits | 64.5162% | 7,273 |
| Total domestic deposits to total assets | 85.2950% | 3,108 |
| Equity capital to assets | 11.7222% | 2,374 |
| Core capital (leverage) ratio | 6.4077% | 7,833 |
| Tier 1 risk-based capital ratio | 12.1426% | 4,807 |
| Total risk-based capital ratio | 13.3942% | 4,713 |
| Memoranda: | ||
| Average total assets | $170,920,000 | 3,621 |
| Average earning assets | $151,499,670 | 3,717 |
| Average equity | $19,895,670 | 3,259 |
| Average total loans | $88,098,000 | 4,333 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9253% | 2,671 |
| Cost of funding earning assets | 1.8033% | 5,099 |
| Net interest margin | 4.1219% | 2,206 |
| Noninterest income to average assets | 0.3929% | 5,265 |
| Noninterest expense to average assets | 2.8259% | 4,442 |
| Loan and lease loss provision to assets | 0.0847% | 5,870 |
| Net operating income to assets | 1.1341% | 1,854 |
| Return on assets (ROA) | 1.1341% | 1,972 |
| Pretax return on assets | 1.1341% | 2,857 |
| Return on Equity (ROE) | 9.7779% | 2,416 |
| Retained earnings to average equity (ytd only) | -5.9641% | 6,679 |
| Net charge-offs to loans | 0.0541% | 4,711 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 43.1667% | 801 |
| Efficiency ratio | 65.0378% | 5,500 |
| Assets per employee ($millions) | 2.5017% | 7,278 |
| Cash dividends to net income (ytd only)* | 160.9959% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 4,000 |
| Loan loss allowance to noncurrent loans | 66.1309% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 1.0092% | 4,675 |
| Noncurrent loans to loans | 1.9874% | 3,278 |
| Net loans and leases to total assets | 50.1109% | 6,855 |
| Net loans and leases to deposits | 58.0829% | 7,028 |
| Net loans and leases to core deposits | 64.1121% | 7,313 |
| Total domestic deposits to total assets | 86.2748% | 2,571 |
| Equity capital to assets | 11.6396% | 2,487 |
| Core capital (leverage) ratio | 6.5171% | 7,870 |
| Tier 1 risk-based capital ratio | 11.6882% | 5,218 |
| Total risk-based capital ratio | 12.9384% | 5,135 |
| Memoranda: | ||
| Average total assets | $170,001,500 | 3,650 |
| Average earning assets | $150,609,000 | 3,738 |
| Average equity | $19,718,000 | 3,300 |
| Average total loans | $88,675,500 | 4,343 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5048% | 2,931 |
| Cost of funding earning assets | 2.2072% | 5,566 |
| Net interest margin | 4.2977% | 1,980 |
| Noninterest income to average assets | 0.4258% | 5,253 |
| Noninterest expense to average assets | 2.8873% | 4,493 |
| Loan and lease loss provision to assets | 0.0870% | 6,296 |
| Net operating income to assets | 1.1873% | 1,812 |
| Return on assets (ROA) | 1.2115% | 1,683 |
| Pretax return on assets | 1.2115% | 2,601 |
| Return on Equity (ROE) | 10.6156% | 2,043 |
| Retained earnings to average equity (ytd only) | 3.1910% | 3,162 |
| Net charge-offs to loans | 0.1121% | 5,152 |
| Credit loss provision to net charge-offs | 138.4615% | 3,838 |
| Earnings coverage of net charge-offs (x) | 20.2885% | 1,582 |
| Efficiency ratio | 63.8224% | 5,597 |
| Assets per employee ($millions) | 2.3575% | 7,472 |
| Cash dividends to net income (ytd only)* | 69.9402% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 4,066 |
| Loan loss allowance to noncurrent loans | 60.2564% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 1.1184% | 4,038 |
| Noncurrent loans to loans | 2.0870% | 2,649 |
| Net loans and leases to total assets | 52.9142% | 6,757 |
| Net loans and leases to deposits | 62.9409% | 6,879 |
| Net loans and leases to core deposits | 69.3673% | 7,225 |
| Total domestic deposits to total assets | 84.0698% | 3,291 |
| Equity capital to assets | 11.5565% | 2,598 |
| Core capital (leverage) ratio | 6.6164% | 7,892 |
| Tier 1 risk-based capital ratio | 11.7920% | 4,987 |
| Total risk-based capital ratio | 13.0426% | 4,898 |
| Memoranda: | ||
| Average total assets | $165,584,600 | 3,623 |
| Average earning assets | $143,939,000 | 3,759 |
| Average equity | $18,896,800 | 3,413 |
| Average total loans | $92,814,200 | 4,138 |