Home > United Bank of Michigan > Performance and Condition Ratios
United Bank of Michigan, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6490% | 2,786 |
| Cost of funding earning assets | 1.1666% | 2,892 |
| Net interest margin | 3.4824% | 2,227 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.7658% | 1,587 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.8881% | 2,587 |
| Return on assets (ROA) | 0.8881% | 2,557 |
| Pretax return on assets | 1.0887% | 2,439 |
| Return on Equity (ROE) | 9.3800% | 2,665 |
| Retained earnings to average equity (ytd only) | 5.4109% | 2,440 |
| Net charge-offs to loans | -0.0045% | 3,811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.9605% | 1,764 |
| Assets per employee ($millions) | 6.0118% | 2,816 |
| Cash dividends to net income (ytd only)* | 42.3319% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 3,075 |
| Loan loss allowance to noncurrent loans | 2,164.1711% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 3,355 |
| Noncurrent loans to loans | 0.0485% | 3,380 |
| Net loans and leases to total assets | 80.9200% | 542 |
| Net loans and leases to deposits | 98.1382% | 642 |
| Net loans and leases to core deposits | 105.8320% | 1,119 |
| Total domestic deposits to total assets | 82.4600% | 3,038 |
| Equity capital to assets | 9.6561% | 2,236 |
| Core capital (leverage) ratio | 10.2061% | 2,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $930,927,400 | 1,052 |
| Average earning assets | $860,129,000 | 1,044 |
| Average equity | $88,118,000 | 1,054 |
| Average total loans | $731,441,600 | 922 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 329,919.0000% | 3 |
| Cost of funding earning assets | 120.0000% | 22 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.9477% | 2,508 |
| Pretax return on assets | 1.1682% | 2,367 |
| Return on Equity (ROE) | 10.0600% | 2,619 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0011% | 2,575 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 5.9031% | 4,585 |
| Assets per employee ($millions) | 0.4583% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 5.0000% | 27 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 24.0000% | 4,529 |
| Equity capital to assets | 7,400.0000% | 28 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,186,000 | 4,624 |
| Average earning assets | $9,089 | 4,592 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4646% | 2,734 |
| Cost of funding earning assets | 0.9219% | 2,861 |
| Net interest margin | 3.5427% | 2,171 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.7162% | 1,604 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0168% | 2,372 |
| Return on assets (ROA) | 1.0168% | 2,362 |
| Pretax return on assets | 1.2508% | 2,223 |
| Return on Equity (ROE) | 10.8200% | 2,473 |
| Retained earnings to average equity (ytd only) | 6.7874% | 2,359 |
| Net charge-offs to loans | -0.0090% | 3,883 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.0239% | 1,986 |
| Assets per employee ($millions) | 5.5985% | 3,062 |
| Cash dividends to net income (ytd only)* | 37.2578% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 2,628 |
| Loan loss allowance to noncurrent loans | 2,377.4286% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 3,399 |
| Noncurrent loans to loans | 0.0490% | 3,362 |
| Net loans and leases to total assets | 77.3800% | 902 |
| Net loans and leases to deposits | 94.1184% | 853 |
| Net loans and leases to core deposits | 101.2656% | 1,171 |
| Total domestic deposits to total assets | 82.2100% | 3,190 |
| Equity capital to assets | 9.6673% | 2,049 |
| Core capital (leverage) ratio | 10.1394% | 2,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $923,879,000 | 1,052 |
| Average earning assets | $854,552,333 | 1,047 |
| Average equity | $86,837,667 | 1,052 |
| Average total loans | $713,209,667 | 921 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2826% | 2,842 |
| Cost of funding earning assets | 0.7639% | 2,860 |
| Net interest margin | 3.5186% | 2,312 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 2.6439% | 1,827 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.0736% | 2,309 |
| Return on assets (ROA) | 1.0736% | 2,278 |
| Pretax return on assets | 1.3267% | 2,095 |
| Return on Equity (ROE) | 11.5800% | 2,329 |
| Retained earnings to average equity (ytd only) | 7.5220% | 2,358 |
| Net charge-offs to loans | 0.0006% | 2,045 |
| Credit loss provision to net charge-offs | 12,000.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 3,203.0000% | 22 |
| Efficiency ratio | 65.7323% | 2,236 |
| Assets per employee ($millions) | 5.8697% | 2,881 |
| Cash dividends to net income (ytd only)* | 35.0701% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 2,809 |
| Loan loss allowance to noncurrent loans | 2,647.9233% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 3,455 |
| Noncurrent loans to loans | 0.0435% | 3,427 |
| Net loans and leases to total assets | 74.2700% | 1,168 |
| Net loans and leases to deposits | 90.9303% | 982 |
| Net loans and leases to core deposits | 96.3182% | 1,266 |
| Total domestic deposits to total assets | 81.6700% | 3,538 |
| Equity capital to assets | 9.1046% | 2,436 |
| Core capital (leverage) ratio | 10.0804% | 2,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $929,542,000 | 1,061 |
| Average earning assets | $860,794,500 | 1,055 |
| Average equity | $86,147,000 | 1,072 |
| Average total loans | $712,597,000 | 938 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8835% | 2,025 |
| Cost of funding earning assets | 0.3563% | 2,429 |
| Net interest margin | 3.5272% | 1,846 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 2.8548% | 1,215 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 1.0848% | 2,237 |
| Return on assets (ROA) | 1.0848% | 2,179 |
| Pretax return on assets | 1.3343% | 1,983 |
| Return on Equity (ROE) | 11.3600% | 2,362 |
| Retained earnings to average equity (ytd only) | 7.7505% | 1,932 |
| Net charge-offs to loans | -0.0022% | 3,461 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.5802% | 1,750 |
| Assets per employee ($millions) | 5.6045% | 3,119 |
| Cash dividends to net income (ytd only)* | 31.7965% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 2,611 |
| Loan loss allowance to noncurrent loans | 1,848.1900% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 3,316 |
| Noncurrent loans to loans | 0.0626% | 3,301 |
| Net loans and leases to total assets | 77.3800% | 855 |
| Net loans and leases to deposits | 93.3401% | 822 |
| Net loans and leases to core deposits | 98.0381% | 1,097 |
| Total domestic deposits to total assets | 82.9000% | 3,439 |
| Equity capital to assets | 9.4406% | 2,055 |
| Core capital (leverage) ratio | 10.2678% | 2,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $869,732,600 | 1,114 |
| Average earning assets | $795,137,200 | 1,118 |
| Average equity | $83,027,400 | 1,098 |
| Average total loans | $646,322,400 | 972 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7596% | 1,861 |
| Cost of funding earning assets | 0.3010% | 2,153 |
| Net interest margin | 3.4586% | 1,782 |
| Noninterest income to average assets | 0.9100% | 806 |
| Noninterest expense to average assets | 2.9522% | 969 |
| Loan and lease loss provision to assets | -0.1200% | 4,606 |
| Net operating income to assets | 1.0042% | 2,467 |
| Return on assets (ROA) | 1.0042% | 2,435 |
| Pretax return on assets | 1.2221% | 2,281 |
| Return on Equity (ROE) | 10.4900% | 2,576 |
| Retained earnings to average equity (ytd only) | 6.8517% | 2,425 |
| Net charge-offs to loans | -0.0040% | 3,424 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.7463% | 1,415 |
| Assets per employee ($millions) | 5.4785% | 3,245 |
| Cash dividends to net income (ytd only)* | 34.6741% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 2,392 |
| Loan loss allowance to noncurrent loans | 2,715.6146% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 3,567 |
| Noncurrent loans to loans | 0.0451% | 3,565 |
| Net loans and leases to total assets | 75.1400% | 998 |
| Net loans and leases to deposits | 88.2538% | 1,016 |
| Net loans and leases to core deposits | 90.5466% | 1,264 |
| Total domestic deposits to total assets | 85.1400% | 3,250 |
| Equity capital to assets | 9.4360% | 1,921 |
| Core capital (leverage) ratio | 10.2334% | 2,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $861,585,250 | 1,130 |
| Average earning assets | $785,374,500 | 1,137 |
| Average equity | $82,488,000 | 1,118 |
| Average total loans | $631,312,000 | 988 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5655% | 1,944 |
| Cost of funding earning assets | 0.2979% | 1,729 |
| Net interest margin | 3.2676% | 2,000 |
| Noninterest income to average assets | 0.9197% | 808 |
| Noninterest expense to average assets | 2.9171% | 964 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7945% | 2,977 |
| Return on assets (ROA) | 0.7945% | 2,949 |
| Pretax return on assets | 0.9657% | 2,846 |
| Return on Equity (ROE) | 8.2584% | 2,949 |
| Retained earnings to average equity (ytd only) | 4.6182% | 2,843 |
| Net charge-offs to loans | -0.0113% | 3,626 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1293% | 1,375 |
| Assets per employee ($millions) | 5.2830% | 3,444 |
| Cash dividends to net income (ytd only)* | 44.0788% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 1,880 |
| Loan loss allowance to noncurrent loans | 2,490.2507% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 3,561 |
| Noncurrent loans to loans | 0.0551% | 3,538 |
| Net loans and leases to total assets | 76.0756% | 725 |
| Net loans and leases to deposits | 89.6966% | 739 |
| Net loans and leases to core deposits | 91.6029% | 1,036 |
| Total domestic deposits to total assets | 84.8143% | 3,524 |
| Equity capital to assets | 9.6176% | 1,925 |
| Core capital (leverage) ratio | 10.1673% | 2,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $856,594,000 | 1,131 |
| Average earning assets | $776,766,667 | 1,156 |
| Average equity | $82,413,333 | 1,128 |
| Average total loans | $619,485,667 | 999 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4691% | 1,899 |
| Cost of funding earning assets | 0.3202% | 1,458 |
| Net interest margin | 3.1489% | 2,024 |
| Noninterest income to average assets | 0.8995% | 839 |
| Noninterest expense to average assets | 2.8924% | 975 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7061% | 3,036 |
| Return on assets (ROA) | 0.7061% | 3,027 |
| Pretax return on assets | 0.8540% | 2,928 |
| Return on Equity (ROE) | 7.3374% | 2,934 |
| Retained earnings to average equity (ytd only) | 3.7217% | 3,036 |
| Net charge-offs to loans | -0.0013% | 3,043 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2041% | 1,383 |
| Assets per employee ($millions) | 5.5585% | 3,268 |
| Cash dividends to net income (ytd only)* | 49.2773% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 1,668 |
| Loan loss allowance to noncurrent loans | 2,723.8532% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 3,656 |
| Noncurrent loans to loans | 0.0538% | 3,597 |
| Net loans and leases to total assets | 69.5306% | 1,062 |
| Net loans and leases to deposits | 81.7015% | 1,032 |
| Net loans and leases to core deposits | 83.4070% | 1,276 |
| Total domestic deposits to total assets | 85.1033% | 3,521 |
| Equity capital to assets | 9.5505% | 2,245 |
| Core capital (leverage) ratio | 9.8376% | 2,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $862,250,000 | 1,124 |
| Average earning assets | $779,570,000 | 1,154 |
| Average equity | $82,972,000 | 1,161 |
| Average total loans | $603,232,000 | 1,016 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6320% | 2,303 |
| Cost of funding earning assets | 0.3666% | 1,798 |
| Net interest margin | 3.2654% | 2,422 |
| Noninterest income to average assets | 1.5839% | 451 |
| Noninterest expense to average assets | 3.1290% | 813 |
| Loan and lease loss provision to assets | -0.0301% | 4,275 |
| Net operating income to assets | 1.1629% | 2,047 |
| Return on assets (ROA) | 1.1629% | 2,110 |
| Pretax return on assets | 1.4389% | 1,919 |
| Return on Equity (ROE) | 11.9730% | 1,827 |
| Retained earnings to average equity (ytd only) | 9.4900% | 1,050 |
| Net charge-offs to loans | 0.0385% | 1,487 |
| Credit loss provision to net charge-offs | -111.1111% | 3,383 |
| Earnings coverage of net charge-offs (x) | 51.9244% | 1,275 |
| Efficiency ratio | 68.9538% | 1,864 |
| Assets per employee ($millions) | 5.5316% | 3,232 |
| Cash dividends to net income (ytd only)* | 20.7383% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 1,597 |
| Loan loss allowance to noncurrent loans | 2,958.4718% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 3,780 |
| Noncurrent loans to loans | 0.0503% | 3,720 |
| Net loans and leases to total assets | 68.3250% | 1,231 |
| Net loans and leases to deposits | 82.8233% | 997 |
| Net loans and leases to core deposits | 84.4714% | 1,298 |
| Total domestic deposits to total assets | 82.4949% | 3,894 |
| Equity capital to assets | 9.6948% | 2,949 |
| Core capital (leverage) ratio | 9.8475% | 2,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $829,287,200 | 1,122 |
| Average earning assets | $750,158,800 | 1,150 |
| Average equity | $80,548,200 | 1,204 |
| Average total loans | $585,057,400 | 1,036 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 2,425 |
| Cost of funding earning assets | 0.3768% | 1,879 |
| Net interest margin | 3.2708% | 2,507 |
| Noninterest income to average assets | 1.7428% | 418 |
| Noninterest expense to average assets | 3.1853% | 731 |
| Loan and lease loss provision to assets | -0.0406% | 4,427 |
| Net operating income to assets | 1.2672% | 1,929 |
| Return on assets (ROA) | 1.2672% | 1,985 |
| Pretax return on assets | 1.5628% | 1,816 |
| Return on Equity (ROE) | 13.0405% | 1,684 |
| Retained earnings to average equity (ytd only) | 10.5333% | 1,165 |
| Net charge-offs to loans | 0.0511% | 1,157 |
| Credit loss provision to net charge-offs | -112.1076% | 3,247 |
| Earnings coverage of net charge-offs (x) | 42.0269% | 1,339 |
| Efficiency ratio | 67.6638% | 1,877 |
| Assets per employee ($millions) | 5.5805% | 3,112 |
| Cash dividends to net income (ytd only)* | 19.2258% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 1,482 |
| Loan loss allowance to noncurrent loans | 1,953.2895% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 3,781 |
| Noncurrent loans to loans | 0.0789% | 3,698 |
| Net loans and leases to total assets | 66.6523% | 1,472 |
| Net loans and leases to deposits | 80.7559% | 1,213 |
| Net loans and leases to core deposits | 82.4285% | 1,540 |
| Total domestic deposits to total assets | 82.5354% | 3,816 |
| Equity capital to assets | 9.6600% | 3,236 |
| Core capital (leverage) ratio | 9.7842% | 2,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $820,875,000 | 1,136 |
| Average earning assets | $744,064,250 | 1,167 |
| Average equity | $79,770,250 | 1,231 |
| Average total loans | $581,695,250 | 1,059 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7457% | 2,215 |
| Cost of funding earning assets | 0.3956% | 1,921 |
| Net interest margin | 3.3501% | 2,299 |
| Noninterest income to average assets | 1.9425% | 346 |
| Noninterest expense to average assets | 3.4555% | 500 |
| Loan and lease loss provision to assets | 0.0617% | 1,809 |
| Net operating income to assets | 1.1814% | 2,257 |
| Return on assets (ROA) | 1.1814% | 2,323 |
| Pretax return on assets | 1.4515% | 2,171 |
| Return on Equity (ROE) | 12.1317% | 2,009 |
| Retained earnings to average equity (ytd only) | 9.5958% | 1,530 |
| Net charge-offs to loans | 0.0010% | 2,204 |
| Credit loss provision to net charge-offs | 8,333.3333% | 74 |
| Earnings coverage of net charge-offs (x) | 2,042.6667% | 51 |
| Efficiency ratio | 69.5443% | 1,697 |
| Assets per employee ($millions) | 5.2976% | 3,352 |
| Cash dividends to net income (ytd only)* | 20.9030% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6866% | 1,093 |
| Loan loss allowance to noncurrent loans | 2,139.3333% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 3,870 |
| Noncurrent loans to loans | 0.0788% | 3,792 |
| Net loans and leases to total assets | 67.9036% | 1,455 |
| Net loans and leases to deposits | 82.6473% | 1,156 |
| Net loans and leases to core deposits | 84.4223% | 1,529 |
| Total domestic deposits to total assets | 82.1608% | 3,895 |
| Equity capital to assets | 9.7035% | 3,141 |
| Core capital (leverage) ratio | 9.9055% | 2,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $809,897,000 | 1,143 |
| Average earning assets | $731,616,333 | 1,179 |
| Average equity | $78,867,667 | 1,238 |
| Average total loans | $582,930,333 | 1,059 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 1,957 |
| Cost of funding earning assets | 0.4296% | 1,865 |
| Net interest margin | 3.4188% | 2,065 |
| Noninterest income to average assets | 2.6705% | 243 |
| Noninterest expense to average assets | 3.0867% | 854 |
| Loan and lease loss provision to assets | 0.1247% | 1,100 |
| Net operating income to assets | 2.0548% | 528 |
| Return on assets (ROA) | 2.0548% | 565 |
| Pretax return on assets | 2.5523% | 396 |
| Return on Equity (ROE) | 21.0625% | 464 |
| Retained earnings to average equity (ytd only) | 18.5051% | 340 |
| Net charge-offs to loans | 0.0020% | 1,847 |
| Credit loss provision to net charge-offs | 8,333.3333% | 73 |
| Earnings coverage of net charge-offs (x) | 1,788.3333% | 46 |
| Efficiency ratio | 53.5538% | 3,838 |
| Assets per employee ($millions) | 5.2527% | 3,381 |
| Cash dividends to net income (ytd only)* | 12.1418% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6752% | 1,102 |
| Loan loss allowance to noncurrent loans | 3,619.1729% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 4,127 |
| Noncurrent loans to loans | 0.0463% | 4,054 |
| Net loans and leases to total assets | 70.3110% | 1,248 |
| Net loans and leases to deposits | 86.0834% | 956 |
| Net loans and leases to core deposits | 88.0983% | 1,363 |
| Total domestic deposits to total assets | 81.6777% | 3,960 |
| Equity capital to assets | 9.9516% | 2,748 |
| Core capital (leverage) ratio | 10.1848% | 2,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $801,635,000 | 1,140 |
| Average earning assets | $725,285,000 | 1,177 |
| Average equity | $78,205,500 | 1,233 |
| Average total loans | $588,997,000 | 1,050 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3566% | 1,700 |
| Cost of funding earning assets | 0.6883% | 1,780 |
| Net interest margin | 3.6683% | 1,920 |
| Noninterest income to average assets | 1.8219% | 386 |
| Noninterest expense to average assets | 3.2107% | 1,040 |
| Loan and lease loss provision to assets | 0.6119% | 321 |
| Net operating income to assets | 1.0966% | 1,938 |
| Return on assets (ROA) | 1.0966% | 2,056 |
| Pretax return on assets | 1.3556% | 1,798 |
| Return on Equity (ROE) | 11.3142% | 1,523 |
| Retained earnings to average equity (ytd only) | 8.5690% | 886 |
| Net charge-offs to loans | 0.1179% | 1,308 |
| Credit loss provision to net charge-offs | 653.4091% | 1,048 |
| Earnings coverage of net charge-offs (x) | 21.0085% | 1,920 |
| Efficiency ratio | 62.0039% | 3,133 |
| Assets per employee ($millions) | 5.1923% | 3,172 |
| Cash dividends to net income (ytd only)* | 24.2630% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 1,412 |
| Loan loss allowance to noncurrent loans | 1,545.3048% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 3,955 |
| Noncurrent loans to loans | 0.1006% | 3,888 |
| Net loans and leases to total assets | 74.2770% | 987 |
| Net loans and leases to deposits | 90.5508% | 885 |
| Net loans and leases to core deposits | 92.8211% | 1,319 |
| Total domestic deposits to total assets | 82.0280% | 3,656 |
| Equity capital to assets | 9.5589% | 3,553 |
| Core capital (leverage) ratio | 9.6531% | 2,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $751,706,600 | 1,104 |
| Average earning assets | $687,785,800 | 1,122 |
| Average equity | $72,855,400 | 1,253 |
| Average total loans | $597,145,800 | 984 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3090% | 2,072 |
| Cost of funding earning assets | 0.7464% | 1,767 |
| Net interest margin | 3.5626% | 2,387 |
| Noninterest income to average assets | 1.6231% | 452 |
| Noninterest expense to average assets | 3.1257% | 1,189 |
| Loan and lease loss provision to assets | 0.5028% | 578 |
| Net operating income to assets | 1.0209% | 2,256 |
| Return on assets (ROA) | 1.0209% | 2,385 |
| Pretax return on assets | 1.2577% | 2,195 |
| Return on Equity (ROE) | 10.4943% | 1,846 |
| Retained earnings to average equity (ytd only) | 7.7151% | 1,412 |
| Net charge-offs to loans | 0.1498% | 978 |
| Credit loss provision to net charge-offs | 416.8909% | 1,428 |
| Earnings coverage of net charge-offs (x) | 14.5994% | 2,147 |
| Efficiency ratio | 63.9714% | 2,736 |
| Assets per employee ($millions) | 5.0757% | 3,151 |
| Cash dividends to net income (ytd only)* | 26.4831% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 2,480 |
| Loan loss allowance to noncurrent loans | 2,083.2877% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 4,056 |
| Noncurrent loans to loans | 0.0592% | 4,139 |
| Net loans and leases to total assets | 77.9065% | 837 |
| Net loans and leases to deposits | 94.9317% | 849 |
| Net loans and leases to core deposits | 97.6381% | 1,336 |
| Total domestic deposits to total assets | 82.0659% | 3,404 |
| Equity capital to assets | 9.5113% | 3,677 |
| Core capital (leverage) ratio | 9.5320% | 3,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $739,730,750 | 1,107 |
| Average earning assets | $677,541,000 | 1,115 |
| Average equity | $71,960,750 | 1,252 |
| Average total loans | $595,605,750 | 978 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4007% | 2,209 |
| Cost of funding earning assets | 0.8343% | 1,655 |
| Net interest margin | 3.5664% | 2,592 |
| Noninterest income to average assets | 1.3448% | 566 |
| Noninterest expense to average assets | 3.1793% | 1,197 |
| Loan and lease loss provision to assets | 0.3511% | 1,203 |
| Net operating income to assets | 0.8868% | 2,743 |
| Return on assets (ROA) | 0.8868% | 2,861 |
| Pretax return on assets | 1.0822% | 2,768 |
| Return on Equity (ROE) | 9.0437% | 2,342 |
| Retained earnings to average equity (ytd only) | 6.2333% | 1,970 |
| Net charge-offs to loans | 0.2137% | 726 |
| Credit loss provision to net charge-offs | 202.5437% | 1,902 |
| Earnings coverage of net charge-offs (x) | 8.2687% | 2,303 |
| Efficiency ratio | 68.9270% | 2,098 |
| Assets per employee ($millions) | 5.2121% | 2,918 |
| Cash dividends to net income (ytd only)* | 31.0752% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 3,568 |
| Loan loss allowance to noncurrent loans | 3,522.4138% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 4,278 |
| Noncurrent loans to loans | 0.0284% | 4,372 |
| Net loans and leases to total assets | 77.4763% | 923 |
| Net loans and leases to deposits | 94.1518% | 952 |
| Net loans and leases to core deposits | 97.0355% | 1,493 |
| Total domestic deposits to total assets | 82.2887% | 3,292 |
| Equity capital to assets | 9.2497% | 3,883 |
| Core capital (leverage) ratio | 9.5540% | 3,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $725,755,667 | 1,110 |
| Average earning assets | $664,981,000 | 1,119 |
| Average equity | $71,165,667 | 1,249 |
| Average total loans | $588,619,333 | 975 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6171% | 1,951 |
| Cost of funding earning assets | 0.8570% | 2,079 |
| Net interest margin | 3.7601% | 2,111 |
| Noninterest income to average assets | 1.1953% | 613 |
| Noninterest expense to average assets | 3.4185% | 1,043 |
| Loan and lease loss provision to assets | 0.2402% | 1,294 |
| Net operating income to assets | 0.8009% | 2,905 |
| Return on assets (ROA) | 0.8009% | 2,996 |
| Pretax return on assets | 0.9723% | 2,925 |
| Return on Equity (ROE) | 7.9160% | 2,551 |
| Retained earnings to average equity (ytd only) | 5.0828% | 2,238 |
| Net charge-offs to loans | 0.0104% | 2,202 |
| Credit loss provision to net charge-offs | 2,793.3333% | 275 |
| Earnings coverage of net charge-offs (x) | 141.0000% | 449 |
| Efficiency ratio | 73.8178% | 1,845 |
| Assets per employee ($millions) | 4.6685% | 3,038 |
| Cash dividends to net income (ytd only)* | 35.7910% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 3,606 |
| Loan loss allowance to noncurrent loans | 42,057.1429% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 4,472 |
| Noncurrent loans to loans | 0.0024% | 4,573 |
| Net loans and leases to total assets | 81.6913% | 472 |
| Net loans and leases to deposits | 105.1759% | 323 |
| Net loans and leases to core deposits | 109.1078% | 895 |
| Total domestic deposits to total assets | 77.6712% | 4,270 |
| Equity capital to assets | 10.1461% | 3,656 |
| Core capital (leverage) ratio | 10.3154% | 3,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $697,729,500 | 1,120 |
| Average earning assets | $637,540,000 | 1,132 |
| Average equity | $70,591,000 | 1,250 |
| Average total loans | $577,006,500 | 969 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8837% | 1,802 |
| Cost of funding earning assets | 0.8740% | 2,314 |
| Net interest margin | 4.0097% | 1,824 |
| Noninterest income to average assets | 1.0874% | 804 |
| Noninterest expense to average assets | 3.3399% | 1,228 |
| Loan and lease loss provision to assets | 0.1665% | 1,254 |
| Net operating income to assets | 1.0227% | 2,757 |
| Return on assets (ROA) | 1.0227% | 2,848 |
| Pretax return on assets | 1.2608% | 2,640 |
| Return on Equity (ROE) | 10.3763% | 2,130 |
| Retained earnings to average equity (ytd only) | 7.4129% | 1,203 |
| Net charge-offs to loans | 0.1607% | 1,250 |
| Credit loss provision to net charge-offs | 122.3176% | 2,076 |
| Earnings coverage of net charge-offs (x) | 10.4861% | 2,570 |
| Efficiency ratio | 70.0600% | 2,163 |
| Assets per employee ($millions) | 4.5437% | 3,163 |
| Cash dividends to net income (ytd only)* | 28.5592% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 3,735 |
| Loan loss allowance to noncurrent loans | 4,896.4286% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 4,305 |
| Noncurrent loans to loans | 0.0194% | 4,493 |
| Net loans and leases to total assets | 82.0757% | 550 |
| Net loans and leases to deposits | 105.9526% | 305 |
| Net loans and leases to core deposits | 111.3277% | 782 |
| Total domestic deposits to total assets | 77.4645% | 4,436 |
| Equity capital to assets | 10.0882% | 3,842 |
| Core capital (leverage) ratio | 10.2876% | 3,200 |
| Tier 1 risk-based capital ratio | 11.6581% | 4,543 |
| Total risk-based capital ratio | 12.5710% | 4,610 |
| Memoranda: | ||
| Average total assets | $684,729,200 | 1,092 |
| Average earning assets | $628,376,200 | 1,098 |
| Average equity | $67,490,400 | 1,255 |
| Average total loans | $580,105,600 | 936 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9476% | 1,684 |
| Cost of funding earning assets | 0.8756% | 2,341 |
| Net interest margin | 4.0720% | 1,697 |
| Noninterest income to average assets | 1.0285% | 881 |
| Noninterest expense to average assets | 3.3730% | 1,132 |
| Loan and lease loss provision to assets | 0.1290% | 1,502 |
| Net operating income to assets | 1.0272% | 2,876 |
| Return on assets (ROA) | 1.0272% | 2,951 |
| Pretax return on assets | 1.2652% | 2,767 |
| Return on Equity (ROE) | 10.4840% | 2,220 |
| Retained earnings to average equity (ytd only) | 7.4915% | 1,628 |
| Net charge-offs to loans | 0.1037% | 1,438 |
| Credit loss provision to net charge-offs | 146.0177% | 1,669 |
| Earnings coverage of net charge-offs (x) | 15.7810% | 2,171 |
| Efficiency ratio | 70.7532% | 2,010 |
| Assets per employee ($millions) | 4.6046% | 3,046 |
| Cash dividends to net income (ytd only)* | 28.5442% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9496% | 3,831 |
| Loan loss allowance to noncurrent loans | 750.2052% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 4,012 |
| Noncurrent loans to loans | 0.1266% | 4,083 |
| Net loans and leases to total assets | 82.2719% | 536 |
| Net loans and leases to deposits | 110.0258% | 224 |
| Net loans and leases to core deposits | 116.9899% | 628 |
| Total domestic deposits to total assets | 74.7751% | 4,761 |
| Equity capital to assets | 9.9061% | 4,111 |
| Core capital (leverage) ratio | 9.8209% | 3,826 |
| Tier 1 risk-based capital ratio | 11.5431% | 4,650 |
| Total risk-based capital ratio | 12.4635% | 4,702 |
| Memoranda: | ||
| Average total assets | $682,114,250 | 1,094 |
| Average earning assets | $626,283,500 | 1,102 |
| Average equity | $66,830,000 | 1,264 |
| Average total loans | $581,115,750 | 931 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8859% | 1,798 |
| Cost of funding earning assets | 0.8336% | 2,488 |
| Net interest margin | 4.0523% | 1,754 |
| Noninterest income to average assets | 0.9718% | 923 |
| Noninterest expense to average assets | 3.3884% | 1,127 |
| Loan and lease loss provision to assets | 0.1239% | 1,504 |
| Net operating income to assets | 0.9620% | 3,049 |
| Return on assets (ROA) | 0.9620% | 3,126 |
| Pretax return on assets | 1.1807% | 2,968 |
| Return on Equity (ROE) | 9.8567% | 2,457 |
| Retained earnings to average equity (ytd only) | 6.8332% | 1,883 |
| Net charge-offs to loans | 0.0721% | 1,644 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 21.0524% | 1,746 |
| Efficiency ratio | 72.2002% | 1,888 |
| Assets per employee ($millions) | 4.7887% | 2,758 |
| Cash dividends to net income (ytd only)* | 30.6748% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9277% | 3,971 |
| Loan loss allowance to noncurrent loans | 524.9761% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 3,849 |
| Noncurrent loans to loans | 0.1767% | 3,925 |
| Net loans and leases to total assets | 83.2320% | 442 |
| Net loans and leases to deposits | 112.6510% | 173 |
| Net loans and leases to core deposits | 119.5246% | 564 |
| Total domestic deposits to total assets | 73.8848% | 4,842 |
| Equity capital to assets | 9.5713% | 4,336 |
| Core capital (leverage) ratio | 9.8358% | 3,782 |
| Tier 1 risk-based capital ratio | 10.9210% | 4,951 |
| Total risk-based capital ratio | 11.8115% | 4,999 |
| Memoranda: | ||
| Average total assets | $677,720,000 | 1,099 |
| Average earning assets | $622,361,000 | 1,111 |
| Average equity | $66,147,670 | 1,271 |
| Average total loans | $582,315,000 | 931 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9415% | 1,498 |
| Cost of funding earning assets | 0.7952% | 2,563 |
| Net interest margin | 4.1462% | 1,435 |
| Noninterest income to average assets | 0.8769% | 1,091 |
| Noninterest expense to average assets | 3.4589% | 1,024 |
| Loan and lease loss provision to assets | 0.1444% | 1,179 |
| Net operating income to assets | 0.8769% | 3,325 |
| Return on assets (ROA) | 0.8769% | 3,372 |
| Pretax return on assets | 1.0737% | 3,225 |
| Return on Equity (ROE) | 8.8932% | 2,855 |
| Retained earnings to average equity (ytd only) | 5.8413% | 2,526 |
| Net charge-offs to loans | 0.1398% | 911 |
| Credit loss provision to net charge-offs | 118.8119% | 1,420 |
| Earnings coverage of net charge-offs (x) | 10.0198% | 1,985 |
| Efficiency ratio | 73.9544% | 1,760 |
| Assets per employee ($millions) | 4.3664% | 3,386 |
| Cash dividends to net income (ytd only)* | 34.3171% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 4,120 |
| Loan loss allowance to noncurrent loans | 426.1427% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3524% | 3,190 |
| Noncurrent loans to loans | 0.2129% | 3,826 |
| Net loans and leases to total assets | 86.8879% | 150 |
| Net loans and leases to deposits | 113.9447% | 148 |
| Net loans and leases to core deposits | 120.5866% | 512 |
| Total domestic deposits to total assets | 76.2544% | 4,736 |
| Equity capital to assets | 9.8844% | 3,932 |
| Core capital (leverage) ratio | 9.9822% | 3,624 |
| Tier 1 risk-based capital ratio | 10.9144% | 5,016 |
| Total risk-based capital ratio | 11.7934% | 5,071 |
| Memoranda: | ||
| Average total assets | $664,612,000 | 1,122 |
| Average earning assets | $609,130,000 | 1,130 |
| Average equity | $65,533,500 | 1,273 |
| Average total loans | $577,779,500 | 944 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7825% | 1,586 |
| Cost of funding earning assets | 0.6424% | 2,446 |
| Net interest margin | 4.1401% | 1,558 |
| Noninterest income to average assets | 0.9998% | 941 |
| Noninterest expense to average assets | 3.3407% | 1,241 |
| Loan and lease loss provision to assets | 0.1542% | 1,371 |
| Net operating income to assets | 1.0564% | 2,774 |
| Return on assets (ROA) | 1.0564% | 2,762 |
| Pretax return on assets | 1.3004% | 2,497 |
| Return on Equity (ROE) | 10.6986% | 2,207 |
| Retained earnings to average equity (ytd only) | 7.9108% | 1,278 |
| Net charge-offs to loans | 0.2123% | 903 |
| Credit loss provision to net charge-offs | 84.1924% | 2,797 |
| Earnings coverage of net charge-offs (x) | 7.9442% | 2,936 |
| Efficiency ratio | 69.6670% | 2,248 |
| Assets per employee ($millions) | 4.5285% | 3,121 |
| Cash dividends to net income (ytd only)* | 26.0572% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 4,064 |
| Loan loss allowance to noncurrent loans | 404.9117% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 3,092 |
| Noncurrent loans to loans | 0.2287% | 3,763 |
| Net loans and leases to total assets | 85.3806% | 280 |
| Net loans and leases to deposits | 112.4456% | 194 |
| Net loans and leases to core deposits | 118.8634% | 585 |
| Total domestic deposits to total assets | 75.9306% | 4,762 |
| Equity capital to assets | 9.8361% | 3,830 |
| Core capital (leverage) ratio | 10.0919% | 3,472 |
| Tier 1 risk-based capital ratio | 11.0083% | 4,979 |
| Total risk-based capital ratio | 11.9015% | 5,023 |
| Memoranda: | ||
| Average total assets | $635,734,000 | 1,151 |
| Average earning assets | $582,811,400 | 1,149 |
| Average equity | $62,774,600 | 1,273 |
| Average total loans | $548,265,600 | 955 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7487% | 1,552 |
| Cost of funding earning assets | 0.6110% | 2,402 |
| Net interest margin | 4.1378% | 1,527 |
| Noninterest income to average assets | 0.9677% | 1,017 |
| Noninterest expense to average assets | 3.3264% | 1,249 |
| Loan and lease loss provision to assets | 0.0169% | 3,674 |
| Net operating income to assets | 1.1529% | 2,428 |
| Return on assets (ROA) | 1.1529% | 2,434 |
| Pretax return on assets | 1.4206% | 2,154 |
| Return on Equity (ROE) | 11.6634% | 1,922 |
| Retained earnings to average equity (ytd only) | 9.4130% | 1,072 |
| Net charge-offs to loans | 0.0042% | 3,307 |
| Credit loss provision to net charge-offs | 470.5882% | 739 |
| Earnings coverage of net charge-offs (x) | 399.1076% | 234 |
| Efficiency ratio | 69.8239% | 2,223 |
| Assets per employee ($millions) | 4.5312% | 3,073 |
| Cash dividends to net income (ytd only)* | 19.2944% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 3,825 |
| Loan loss allowance to noncurrent loans | 151.7725% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.5938% | 2,401 |
| Noncurrent loans to loans | 0.6531% | 2,452 |
| Net loans and leases to total assets | 86.3391% | 235 |
| Net loans and leases to deposits | 112.7759% | 214 |
| Net loans and leases to core deposits | 118.5663% | 624 |
| Total domestic deposits to total assets | 76.5581% | 4,715 |
| Equity capital to assets | 10.0830% | 3,557 |
| Core capital (leverage) ratio | 10.2259% | 3,372 |
| Tier 1 risk-based capital ratio | 11.0169% | 5,031 |
| Total risk-based capital ratio | 11.9610% | 5,071 |
| Memoranda: | ||
| Average total assets | $629,376,500 | 1,159 |
| Average earning assets | $577,432,000 | 1,168 |
| Average equity | $62,210,000 | 1,283 |
| Average total loans | $542,886,500 | 965 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7084% | 1,483 |
| Cost of funding earning assets | 0.5935% | 2,268 |
| Net interest margin | 4.1149% | 1,509 |
| Noninterest income to average assets | 0.9760% | 1,001 |
| Noninterest expense to average assets | 3.3120% | 1,292 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1645% | 2,329 |
| Return on assets (ROA) | 1.1645% | 2,331 |
| Pretax return on assets | 1.4353% | 2,036 |
| Return on Equity (ROE) | 11.8621% | 1,773 |
| Retained earnings to average equity (ytd only) | 9.5847% | 1,043 |
| Net charge-offs to loans | 0.0126% | 2,712 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 132.1765% | 576 |
| Efficiency ratio | 69.7659% | 2,356 |
| Assets per employee ($millions) | 4.5289% | 3,091 |
| Cash dividends to net income (ytd only)* | 19.1991% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 3,844 |
| Loan loss allowance to noncurrent loans | 351.1974% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 3,683 |
| Noncurrent loans to loans | 0.2846% | 3,683 |
| Net loans and leases to total assets | 85.3664% | 322 |
| Net loans and leases to deposits | 109.3097% | 299 |
| Net loans and leases to core deposits | 114.8973% | 750 |
| Total domestic deposits to total assets | 78.0958% | 4,574 |
| Equity capital to assets | 10.0079% | 3,607 |
| Core capital (leverage) ratio | 10.1403% | 3,438 |
| Tier 1 risk-based capital ratio | 11.0998% | 5,003 |
| Total risk-based capital ratio | 12.0558% | 5,044 |
| Memoranda: | ||
| Average total assets | $626,200,670 | 1,163 |
| Average earning assets | $573,913,330 | 1,173 |
| Average equity | $61,473,000 | 1,296 |
| Average total loans | $538,133,000 | 975 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6037% | 1,555 |
| Cost of funding earning assets | 0.5887% | 2,125 |
| Net interest margin | 4.0151% | 1,678 |
| Noninterest income to average assets | 0.9569% | 1,007 |
| Noninterest expense to average assets | 3.3227% | 1,308 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0670% | 2,576 |
| Return on assets (ROA) | 1.0670% | 2,588 |
| Pretax return on assets | 1.3123% | 2,316 |
| Return on Equity (ROE) | 10.9770% | 1,983 |
| Retained earnings to average equity (ytd only) | 8.6709% | 1,591 |
| Net charge-offs to loans | 0.0015% | 2,679 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1,024.5000% | 55 |
| Efficiency ratio | 71.6872% | 2,233 |
| Assets per employee ($millions) | 4.4906% | 3,179 |
| Cash dividends to net income (ytd only)* | 21.0084% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 3,908 |
| Loan loss allowance to noncurrent loans | 405.1967% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 3,908 |
| Noncurrent loans to loans | 0.2486% | 3,868 |
| Net loans and leases to total assets | 84.6993% | 366 |
| Net loans and leases to deposits | 109.0466% | 285 |
| Net loans and leases to core deposits | 120.2992% | 578 |
| Total domestic deposits to total assets | 77.6726% | 4,772 |
| Equity capital to assets | 9.6921% | 3,895 |
| Core capital (leverage) ratio | 9.8784% | 3,678 |
| Tier 1 risk-based capital ratio | 10.8633% | 5,211 |
| Total risk-based capital ratio | 11.8295% | 5,228 |
| Memoranda: | ||
| Average total assets | $624,543,500 | 1,178 |
| Average earning assets | $572,147,000 | 1,185 |
| Average equity | $60,709,000 | 1,318 |
| Average total loans | $535,789,500 | 982 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5618% | 1,534 |
| Cost of funding earning assets | 0.5782% | 1,761 |
| Net interest margin | 3.9836% | 1,798 |
| Noninterest income to average assets | 0.9302% | 1,189 |
| Noninterest expense to average assets | 3.3469% | 1,296 |
| Loan and lease loss provision to assets | 0.0107% | 4,066 |
| Net operating income to assets | 0.7741% | 3,278 |
| Return on assets (ROA) | 0.7741% | 3,322 |
| Pretax return on assets | 1.2022% | 2,762 |
| Return on Equity (ROE) | 8.2826% | 2,656 |
| Retained earnings to average equity (ytd only) | 5.8819% | 1,606 |
| Net charge-offs to loans | 0.0154% | 3,574 |
| Credit loss provision to net charge-offs | 82.7160% | 2,901 |
| Earnings coverage of net charge-offs (x) | 93.4321% | 677 |
| Efficiency ratio | 73.3999% | 2,000 |
| Assets per employee ($millions) | 4.4311% | 3,304 |
| Cash dividends to net income (ytd only)* | 28.9855% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 3,740 |
| Loan loss allowance to noncurrent loans | 218.4874% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.4569% | 3,041 |
| Noncurrent loans to loans | 0.4717% | 3,094 |
| Net loans and leases to total assets | 85.1365% | 333 |
| Net loans and leases to deposits | 110.4401% | 259 |
| Net loans and leases to core deposits | 121.0085% | 560 |
| Total domestic deposits to total assets | 77.0884% | 4,848 |
| Equity capital to assets | 9.7498% | 3,968 |
| Core capital (leverage) ratio | 9.8216% | 3,673 |
| Tier 1 risk-based capital ratio | 10.8948% | 5,201 |
| Total risk-based capital ratio | 11.8854% | 5,218 |
| Memoranda: | ||
| Average total assets | $623,942,000 | 1,160 |
| Average earning assets | $568,509,600 | 1,162 |
| Average equity | $58,314,800 | 1,347 |
| Average total loans | $524,870,000 | 979 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5323% | 1,552 |
| Cost of funding earning assets | 0.5763% | 1,703 |
| Net interest margin | 3.9560% | 1,843 |
| Noninterest income to average assets | 0.9370% | 1,173 |
| Noninterest expense to average assets | 3.3514% | 1,245 |
| Loan and lease loss provision to assets | 0.0143% | 3,856 |
| Net operating income to assets | 0.8196% | 3,438 |
| Return on assets (ROA) | 0.8196% | 3,480 |
| Pretax return on assets | 1.1739% | 3,007 |
| Return on Equity (ROE) | 8.8640% | 2,687 |
| Retained earnings to average equity (ytd only) | 6.4453% | 1,988 |
| Net charge-offs to loans | 0.0173% | 3,159 |
| Credit loss provision to net charge-offs | 98.5294% | 2,335 |
| Earnings coverage of net charge-offs (x) | 82.0334% | 794 |
| Efficiency ratio | 73.8270% | 1,923 |
| Assets per employee ($millions) | 4.4090% | 3,299 |
| Cash dividends to net income (ytd only)* | 27.2870% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 3,870 |
| Loan loss allowance to noncurrent loans | 181.2252% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.6011% | 2,715 |
| Noncurrent loans to loans | 0.5718% | 2,983 |
| Net loans and leases to total assets | 85.2857% | 311 |
| Net loans and leases to deposits | 110.6252% | 260 |
| Net loans and leases to core deposits | 120.8617% | 561 |
| Total domestic deposits to total assets | 77.0942% | 4,866 |
| Equity capital to assets | 9.6957% | 4,249 |
| Core capital (leverage) ratio | 9.3324% | 4,367 |
| Tier 1 risk-based capital ratio | 10.7712% | 5,353 |
| Total risk-based capital ratio | 11.7633% | 5,376 |
| Memoranda: | ||
| Average total assets | $625,947,750 | 1,160 |
| Average earning assets | $570,028,250 | 1,170 |
| Average equity | $57,880,750 | 1,369 |
| Average total loans | $523,629,500 | 980 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4321% | 1,722 |
| Cost of funding earning assets | 0.5626% | 1,696 |
| Net interest margin | 3.8695% | 2,030 |
| Noninterest income to average assets | 0.8888% | 1,310 |
| Noninterest expense to average assets | 3.3802% | 1,210 |
| Loan and lease loss provision to assets | 0.0213% | 3,559 |
| Net operating income to assets | 0.7114% | 3,794 |
| Return on assets (ROA) | 0.7114% | 3,862 |
| Pretax return on assets | 1.0100% | 3,528 |
| Return on Equity (ROE) | 7.8162% | 3,139 |
| Retained earnings to average equity (ytd only) | 5.3759% | 2,478 |
| Net charge-offs to loans | 0.0153% | 2,940 |
| Credit loss provision to net charge-offs | 167.5000% | 1,418 |
| Earnings coverage of net charge-offs (x) | 81.2500% | 758 |
| Efficiency ratio | 76.6238% | 1,629 |
| Assets per employee ($millions) | 4.4825% | 3,138 |
| Cash dividends to net income (ytd only)* | 31.2221% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 3,868 |
| Loan loss allowance to noncurrent loans | 182.8790% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5844% | 2,819 |
| Noncurrent loans to loans | 0.5722% | 3,011 |
| Net loans and leases to total assets | 80.5901% | 867 |
| Net loans and leases to deposits | 105.4251% | 422 |
| Net loans and leases to core deposits | 119.0679% | 594 |
| Total domestic deposits to total assets | 76.4430% | 5,036 |
| Equity capital to assets | 9.0115% | 4,887 |
| Core capital (leverage) ratio | 9.3907% | 4,240 |
| Tier 1 risk-based capital ratio | 10.5737% | 5,432 |
| Total risk-based capital ratio | 11.5737% | 5,461 |
| Memoranda: | ||
| Average total assets | $630,315,000 | 1,157 |
| Average earning assets | $573,815,000 | 1,174 |
| Average equity | $57,367,670 | 1,380 |
| Average total loans | $522,125,000 | 982 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4382% | 1,532 |
| Cost of funding earning assets | 0.5683% | 1,597 |
| Net interest margin | 3.8699% | 1,888 |
| Noninterest income to average assets | 0.8826% | 1,297 |
| Noninterest expense to average assets | 3.4089% | 1,186 |
| Loan and lease loss provision to assets | 0.0430% | 2,941 |
| Net operating income to assets | 0.6712% | 3,830 |
| Return on assets (ROA) | 0.6712% | 3,869 |
| Pretax return on assets | 0.9474% | 3,599 |
| Return on Equity (ROE) | 7.3375% | 3,242 |
| Retained earnings to average equity (ytd only) | 4.8800% | 2,961 |
| Net charge-offs to loans | 0.0223% | 2,323 |
| Credit loss provision to net charge-offs | 231.0345% | 928 |
| Earnings coverage of net charge-offs (x) | 53.1724% | 866 |
| Efficiency ratio | 77.4858% | 1,701 |
| Assets per employee ($millions) | 4.3826% | 3,368 |
| Cash dividends to net income (ytd only)* | 33.4928% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 3,961 |
| Loan loss allowance to noncurrent loans | 215.3966% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.5589% | 2,997 |
| Noncurrent loans to loans | 0.4898% | 3,333 |
| Net loans and leases to total assets | 81.9108% | 578 |
| Net loans and leases to deposits | 107.6429% | 269 |
| Net loans and leases to core deposits | 122.1275% | 410 |
| Total domestic deposits to total assets | 76.0949% | 5,220 |
| Equity capital to assets | 9.0822% | 4,730 |
| Core capital (leverage) ratio | 9.2918% | 4,357 |
| Tier 1 risk-based capital ratio | 10.5446% | 5,522 |
| Total risk-based capital ratio | 11.5587% | 5,556 |
| Memoranda: | ||
| Average total assets | $622,729,500 | 1,167 |
| Average earning assets | $565,904,500 | 1,185 |
| Average equity | $56,967,500 | 1,384 |
| Average total loans | $520,338,000 | 987 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6284% | 1,212 |
| Cost of funding earning assets | 0.6157% | 1,232 |
| Net interest margin | 4.0128% | 1,597 |
| Noninterest income to average assets | 1.0214% | 1,083 |
| Noninterest expense to average assets | 3.4510% | 1,253 |
| Loan and lease loss provision to assets | 0.0871% | 2,623 |
| Net operating income to assets | 0.7851% | 3,376 |
| Return on assets (ROA) | 0.7851% | 3,478 |
| Pretax return on assets | 1.1034% | 3,092 |
| Return on Equity (ROE) | 8.2292% | 2,819 |
| Retained earnings to average equity (ytd only) | 6.2966% | 1,567 |
| Net charge-offs to loans | 0.0218% | 3,608 |
| Credit loss provision to net charge-offs | 467.9245% | 693 |
| Earnings coverage of net charge-offs (x) | 63.9623% | 847 |
| Efficiency ratio | 74.3502% | 2,247 |
| Assets per employee ($millions) | 4.4519% | 3,187 |
| Cash dividends to net income (ytd only)* | 23.4847% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 3,970 |
| Loan loss allowance to noncurrent loans | 227.4200% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.6174% | 2,879 |
| Noncurrent loans to loans | 0.4645% | 3,489 |
| Net loans and leases to total assets | 83.4611% | 437 |
| Net loans and leases to deposits | 110.6928% | 209 |
| Net loans and leases to core deposits | 124.3310% | 377 |
| Total domestic deposits to total assets | 75.3989% | 5,310 |
| Equity capital to assets | 9.2156% | 4,565 |
| Core capital (leverage) ratio | 9.4257% | 4,188 |
| Tier 1 risk-based capital ratio | 10.5131% | 5,567 |
| Total risk-based capital ratio | 11.5295% | 5,607 |
| Memoranda: | ||
| Average total assets | $569,494,800 | 1,224 |
| Average earning assets | $513,760,000 | 1,248 |
| Average equity | $54,330,800 | 1,416 |
| Average total loans | $485,741,600 | 998 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6489% | 1,192 |
| Cost of funding earning assets | 0.6227% | 1,187 |
| Net interest margin | 4.0262% | 1,583 |
| Noninterest income to average assets | 1.0728% | 982 |
| Noninterest expense to average assets | 3.5160% | 1,123 |
| Loan and lease loss provision to assets | 0.1185% | 1,953 |
| Net operating income to assets | 0.7707% | 3,511 |
| Return on assets (ROA) | 0.7707% | 3,652 |
| Pretax return on assets | 1.0699% | 3,353 |
| Return on Equity (ROE) | 8.0034% | 3,002 |
| Retained earnings to average equity (ytd only) | 5.3992% | 2,552 |
| Net charge-offs to loans | 0.0346% | 2,937 |
| Credit loss provision to net charge-offs | 400.0000% | 840 |
| Earnings coverage of net charge-offs (x) | 40.1288% | 1,246 |
| Efficiency ratio | 74.7386% | 2,151 |
| Assets per employee ($millions) | 4.2945% | 3,424 |
| Cash dividends to net income (ytd only)* | 32.5381% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 3,985 |
| Loan loss allowance to noncurrent loans | 218.4147% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.6856% | 2,858 |
| Noncurrent loans to loans | 0.4922% | 3,527 |
| Net loans and leases to total assets | 84.7079% | 350 |
| Net loans and leases to deposits | 112.9467% | 201 |
| Net loans and leases to core deposits | 127.0238% | 351 |
| Total domestic deposits to total assets | 74.9981% | 5,340 |
| Equity capital to assets | 9.2599% | 4,905 |
| Core capital (leverage) ratio | 9.7499% | 3,875 |
| Tier 1 risk-based capital ratio | 10.4426% | 5,640 |
| Total risk-based capital ratio | 11.4809% | 5,663 |
| Memoranda: | ||
| Average total assets | $558,278,750 | 1,249 |
| Average earning assets | $503,561,250 | 1,273 |
| Average equity | $53,759,250 | 1,436 |
| Average total loans | $477,620,750 | 1,012 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6962% | 1,058 |
| Cost of funding earning assets | 0.6235% | 1,171 |
| Net interest margin | 4.0728% | 1,440 |
| Noninterest income to average assets | 1.0460% | 1,023 |
| Noninterest expense to average assets | 3.5448% | 1,092 |
| Loan and lease loss provision to assets | 0.1448% | 1,582 |
| Net operating income to assets | 0.7461% | 3,568 |
| Return on assets (ROA) | 0.7461% | 3,721 |
| Pretax return on assets | 1.0215% | 3,507 |
| Return on Equity (ROE) | 7.6424% | 3,176 |
| Retained earnings to average equity (ytd only) | 5.0200% | 2,729 |
| Net charge-offs to loans | 0.0496% | 2,492 |
| Credit loss provision to net charge-offs | 341.3793% | 870 |
| Earnings coverage of net charge-offs (x) | 27.4914% | 1,455 |
| Efficiency ratio | 75.2426% | 2,191 |
| Assets per employee ($millions) | 3.9904% | 3,924 |
| Cash dividends to net income (ytd only)* | 34.3137% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 3,845 |
| Loan loss allowance to noncurrent loans | 215.8551% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.7291% | 2,798 |
| Noncurrent loans to loans | 0.5185% | 3,532 |
| Net loans and leases to total assets | 84.8294% | 348 |
| Net loans and leases to deposits | 111.2645% | 223 |
| Net loans and leases to core deposits | 120.9209% | 493 |
| Total domestic deposits to total assets | 76.2412% | 5,256 |
| Equity capital to assets | 9.6758% | 4,578 |
| Core capital (leverage) ratio | 9.7997% | 3,809 |
| Tier 1 risk-based capital ratio | 10.9056% | 5,475 |
| Total risk-based capital ratio | 11.9878% | 5,476 |
| Memoranda: | ||
| Average total assets | $546,825,330 | 1,273 |
| Average earning assets | $492,099,670 | 1,298 |
| Average equity | $53,386,330 | 1,446 |
| Average total loans | $467,671,670 | 1,027 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6877% | 1,072 |
| Cost of funding earning assets | 0.6251% | 1,182 |
| Net interest margin | 4.0626% | 1,442 |
| Noninterest income to average assets | 1.0597% | 964 |
| Noninterest expense to average assets | 3.5222% | 1,147 |
| Loan and lease loss provision to assets | 0.1849% | 1,077 |
| Net operating income to assets | 0.7617% | 3,429 |
| Return on assets (ROA) | 0.7617% | 3,539 |
| Pretax return on assets | 0.9909% | 3,516 |
| Return on Equity (ROE) | 7.7659% | 3,054 |
| Retained earnings to average equity (ytd only) | 5.1270% | 2,856 |
| Net charge-offs to loans | 0.0398% | 2,202 |
| Credit loss provision to net charge-offs | 543.4783% | 572 |
| Earnings coverage of net charge-offs (x) | 34.5652% | 1,095 |
| Efficiency ratio | 74.9725% | 2,330 |
| Assets per employee ($millions) | 4.1311% | 3,705 |
| Cash dividends to net income (ytd only)* | 33.9806% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 3,948 |
| Loan loss allowance to noncurrent loans | 158.9420% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.9146% | 2,407 |
| Noncurrent loans to loans | 0.7043% | 3,085 |
| Net loans and leases to total assets | 83.7572% | 394 |
| Net loans and leases to deposits | 107.2272% | 301 |
| Net loans and leases to core deposits | 117.7609% | 539 |
| Total domestic deposits to total assets | 78.1119% | 5,127 |
| Equity capital to assets | 9.5734% | 4,594 |
| Core capital (leverage) ratio | 9.8668% | 3,703 |
| Tier 1 risk-based capital ratio | 10.8007% | 5,600 |
| Total risk-based capital ratio | 11.8704% | 5,609 |
| Memoranda: | ||
| Average total assets | $540,912,000 | 1,285 |
| Average earning assets | $484,421,000 | 1,315 |
| Average equity | $53,052,500 | 1,449 |
| Average total loans | $461,875,000 | 1,042 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8269% | 880 |
| Cost of funding earning assets | 0.6456% | 1,094 |
| Net interest margin | 4.1813% | 1,206 |
| Noninterest income to average assets | 1.1629% | 875 |
| Noninterest expense to average assets | 3.5519% | 1,212 |
| Loan and lease loss provision to assets | 0.1276% | 1,891 |
| Net operating income to assets | 0.8179% | 3,258 |
| Return on assets (ROA) | 0.8179% | 3,339 |
| Pretax return on assets | 1.1814% | 2,727 |
| Return on Equity (ROE) | 8.1507% | 2,871 |
| Retained earnings to average equity (ytd only) | 5.8029% | 1,891 |
| Net charge-offs to loans | 0.1523% | 1,847 |
| Credit loss provision to net charge-offs | 100.7752% | 2,485 |
| Earnings coverage of net charge-offs (x) | 10.3364% | 2,696 |
| Efficiency ratio | 73.0713% | 2,730 |
| Assets per employee ($millions) | 3.8824% | 4,153 |
| Cash dividends to net income (ytd only)* | 28.8046% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 3,890 |
| Loan loss allowance to noncurrent loans | 522.5077% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 3,913 |
| Noncurrent loans to loans | 0.2156% | 4,646 |
| Net loans and leases to total assets | 85.1447% | 297 |
| Net loans and leases to deposits | 108.3147% | 288 |
| Net loans and leases to core deposits | 120.2340% | 471 |
| Total domestic deposits to total assets | 78.6086% | 5,046 |
| Equity capital to assets | 10.0576% | 3,895 |
| Core capital (leverage) ratio | 10.2347% | 3,213 |
| Tier 1 risk-based capital ratio | 11.2586% | 5,396 |
| Total risk-based capital ratio | 12.3446% | 5,374 |
| Memoranda: | ||
| Average total assets | $509,331,200 | 1,321 |
| Average earning assets | $450,457,400 | 1,374 |
| Average equity | $51,112,200 | 1,453 |
| Average total loans | $423,626,400 | 1,077 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8367% | 877 |
| Cost of funding earning assets | 0.6488% | 1,100 |
| Net interest margin | 4.1880% | 1,189 |
| Noninterest income to average assets | 1.2011% | 840 |
| Noninterest expense to average assets | 3.5537% | 1,194 |
| Loan and lease loss provision to assets | 0.1608% | 1,336 |
| Net operating income to assets | 0.8130% | 3,370 |
| Return on assets (ROA) | 0.8130% | 3,459 |
| Pretax return on assets | 1.1734% | 2,914 |
| Return on Equity (ROE) | 8.1057% | 3,022 |
| Retained earnings to average equity (ytd only) | 5.7395% | 2,408 |
| Net charge-offs to loans | 0.1843% | 1,384 |
| Credit loss provision to net charge-offs | 105.9028% | 2,172 |
| Earnings coverage of net charge-offs (x) | 8.7847% | 2,769 |
| Efficiency ratio | 72.7032% | 2,765 |
| Assets per employee ($millions) | 3.8905% | 4,104 |
| Cash dividends to net income (ytd only)* | 29.1924% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 3,731 |
| Loan loss allowance to noncurrent loans | 308.3836% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.6477% | 3,316 |
| Noncurrent loans to loans | 0.3848% | 4,234 |
| Net loans and leases to total assets | 82.9005% | 484 |
| Net loans and leases to deposits | 110.1963% | 251 |
| Net loans and leases to core deposits | 119.2552% | 496 |
| Total domestic deposits to total assets | 75.2299% | 5,603 |
| Equity capital to assets | 10.1117% | 4,039 |
| Core capital (leverage) ratio | 10.0860% | 3,521 |
| Tier 1 risk-based capital ratio | 11.7095% | 5,261 |
| Total risk-based capital ratio | 12.8626% | 5,247 |
| Memoranda: | ||
| Average total assets | $505,633,250 | 1,333 |
| Average earning assets | $445,137,500 | 1,397 |
| Average equity | $50,711,750 | 1,471 |
| Average total loans | $416,696,250 | 1,098 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 876 |
| Cost of funding earning assets | 0.6529% | 1,085 |
| Net interest margin | 4.1574% | 1,210 |
| Noninterest income to average assets | 1.2266% | 807 |
| Noninterest expense to average assets | 3.5817% | 1,164 |
| Loan and lease loss provision to assets | 0.2425% | 743 |
| Net operating income to assets | 0.7308% | 3,732 |
| Return on assets (ROA) | 0.7308% | 3,846 |
| Pretax return on assets | 1.0485% | 3,385 |
| Return on Equity (ROE) | 7.3072% | 3,433 |
| Retained earnings to average equity (ytd only) | 4.9218% | 2,903 |
| Net charge-offs to loans | 0.3389% | 776 |
| Credit loss provision to net charge-offs | 87.3926% | 2,239 |
| Earnings coverage of net charge-offs (x) | 4.6519% | 3,013 |
| Efficiency ratio | 73.5047% | 2,750 |
| Assets per employee ($millions) | 3.8112% | 4,240 |
| Cash dividends to net income (ytd only)* | 32.6442% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 3,880 |
| Loan loss allowance to noncurrent loans | 215.3149% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.8765% | 2,797 |
| Noncurrent loans to loans | 0.5503% | 3,804 |
| Net loans and leases to total assets | 82.1162% | 541 |
| Net loans and leases to deposits | 106.9896% | 338 |
| Net loans and leases to core deposits | 114.7317% | 636 |
| Total domestic deposits to total assets | 76.7516% | 5,488 |
| Equity capital to assets | 10.0599% | 3,969 |
| Core capital (leverage) ratio | 10.0976% | 3,464 |
| Tier 1 risk-based capital ratio | 11.7761% | 5,296 |
| Total risk-based capital ratio | 12.9290% | 5,263 |
| Memoranda: | ||
| Average total assets | $502,997,000 | 1,349 |
| Average earning assets | $441,137,000 | 1,421 |
| Average equity | $50,306,330 | 1,486 |
| Average total loans | $411,981,000 | 1,115 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7486% | 951 |
| Cost of funding earning assets | 0.6545% | 1,085 |
| Net interest margin | 4.0940% | 1,291 |
| Noninterest income to average assets | 1.1193% | 904 |
| Noninterest expense to average assets | 3.5438% | 1,221 |
| Loan and lease loss provision to assets | 0.3672% | 337 |
| Net operating income to assets | 0.5740% | 4,392 |
| Return on assets (ROA) | 0.5740% | 4,494 |
| Pretax return on assets | 0.8087% | 4,204 |
| Return on Equity (ROE) | 5.7563% | 4,158 |
| Retained earnings to average equity (ytd only) | 3.3545% | 3,972 |
| Net charge-offs to loans | 0.4340% | 566 |
| Credit loss provision to net charge-offs | 104.0724% | 1,569 |
| Earnings coverage of net charge-offs (x) | 3.3326% | 2,617 |
| Efficiency ratio | 75.0846% | 2,647 |
| Assets per employee ($millions) | 3.8361% | 4,280 |
| Cash dividends to net income (ytd only)* | 41.7246% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 3,700 |
| Loan loss allowance to noncurrent loans | 176.1839% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 1.0210% | 2,581 |
| Noncurrent loans to loans | 0.7086% | 3,501 |
| Net loans and leases to total assets | 79.6264% | 727 |
| Net loans and leases to deposits | 103.4854% | 391 |
| Net loans and leases to core deposits | 112.5113% | 628 |
| Total domestic deposits to total assets | 76.9445% | 5,621 |
| Equity capital to assets | 9.9081% | 4,261 |
| Core capital (leverage) ratio | 10.1152% | 3,449 |
| Tier 1 risk-based capital ratio | 12.0010% | 5,237 |
| Total risk-based capital ratio | 13.2205% | 5,149 |
| Memoranda: | ||
| Average total assets | $501,048,000 | 1,358 |
| Average earning assets | $440,639,500 | 1,427 |
| Average equity | $49,963,000 | 1,503 |
| Average total loans | $407,354,500 | 1,129 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0294% | 725 |
| Cost of funding earning assets | 0.6969% | 1,129 |
| Net interest margin | 4.3324% | 996 |
| Noninterest income to average assets | 1.1483% | 914 |
| Noninterest expense to average assets | 3.8308% | 943 |
| Loan and lease loss provision to assets | 0.1400% | 1,895 |
| Net operating income to assets | 0.7342% | 3,713 |
| Return on assets (ROA) | 0.7342% | 3,821 |
| Pretax return on assets | 0.9975% | 3,507 |
| Return on Equity (ROE) | 7.2174% | 3,504 |
| Retained earnings to average equity (ytd only) | 4.7528% | 2,795 |
| Net charge-offs to loans | 0.1219% | 2,809 |
| Credit loss provision to net charge-offs | 138.1443% | 1,715 |
| Earnings coverage of net charge-offs (x) | 11.2247% | 2,522 |
| Efficiency ratio | 77.1058% | 2,341 |
| Assets per employee ($millions) | 3.9034% | 4,157 |
| Cash dividends to net income (ytd only)* | 34.1491% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 3,721 |
| Loan loss allowance to noncurrent loans | 150.0443% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 1.2402% | 2,273 |
| Noncurrent loans to loans | 0.8329% | 3,229 |
| Net loans and leases to total assets | 80.9578% | 628 |
| Net loans and leases to deposits | 105.9077% | 362 |
| Net loans and leases to core deposits | 114.5445% | 579 |
| Total domestic deposits to total assets | 76.4418% | 5,671 |
| Equity capital to assets | 10.0367% | 4,061 |
| Core capital (leverage) ratio | 10.0831% | 3,458 |
| Tier 1 risk-based capital ratio | 12.1922% | 5,234 |
| Total risk-based capital ratio | 13.4372% | 5,152 |
| Memoranda: | ||
| Average total assets | $478,615,200 | 1,397 |
| Average earning assets | $422,002,600 | 1,452 |
| Average equity | $48,687,600 | 1,478 |
| Average total loans | $397,827,200 | 1,104 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0818% | 671 |
| Cost of funding earning assets | 0.6926% | 1,180 |
| Net interest margin | 4.3892% | 898 |
| Noninterest income to average assets | 0.8891% | 1,554 |
| Noninterest expense to average assets | 3.8059% | 965 |
| Loan and lease loss provision to assets | 0.1124% | 2,171 |
| Net operating income to assets | 0.6184% | 4,361 |
| Return on assets (ROA) | 0.6184% | 4,454 |
| Pretax return on assets | 0.8360% | 4,233 |
| Return on Equity (ROE) | 6.0579% | 4,205 |
| Retained earnings to average equity (ytd only) | 3.5796% | 4,100 |
| Net charge-offs to loans | 0.1082% | 2,721 |
| Credit loss provision to net charge-offs | 124.6106% | 1,847 |
| Earnings coverage of net charge-offs (x) | 10.5109% | 2,532 |
| Efficiency ratio | 80.0520% | 1,909 |
| Assets per employee ($millions) | 3.6020% | 4,677 |
| Cash dividends to net income (ytd only)* | 40.9091% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 3,941 |
| Loan loss allowance to noncurrent loans | 128.1701% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 1.2522% | 2,453 |
| Noncurrent loans to loans | 0.9760% | 3,121 |
| Net loans and leases to total assets | 82.5667% | 454 |
| Net loans and leases to deposits | 102.8577% | 459 |
| Net loans and leases to core deposits | 113.6447% | 596 |
| Total domestic deposits to total assets | 80.2728% | 5,024 |
| Equity capital to assets | 10.3304% | 3,757 |
| Core capital (leverage) ratio | 10.2681% | 3,320 |
| Tier 1 risk-based capital ratio | 12.3794% | 5,244 |
| Total risk-based capital ratio | 13.6297% | 5,175 |
| Memoranda: | ||
| Average total assets | $474,336,500 | 1,419 |
| Average earning assets | $417,711,750 | 1,476 |
| Average equity | $48,420,750 | 1,491 |
| Average total loans | $395,681,250 | 1,111 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1016% | 616 |
| Cost of funding earning assets | 0.6986% | 1,195 |
| Net interest margin | 4.4030% | 846 |
| Noninterest income to average assets | 0.7794% | 1,919 |
| Noninterest expense to average assets | 3.7826% | 991 |
| Loan and lease loss provision to assets | 0.0848% | 2,612 |
| Net operating income to assets | 0.5680% | 4,508 |
| Return on assets (ROA) | 0.5680% | 4,611 |
| Pretax return on assets | 0.7604% | 4,416 |
| Return on Equity (ROE) | 5.5864% | 4,395 |
| Retained earnings to average equity (ytd only) | 3.0962% | 4,231 |
| Net charge-offs to loans | 0.0466% | 3,316 |
| Credit loss provision to net charge-offs | 218.4783% | 1,088 |
| Earnings coverage of net charge-offs (x) | 21.7717% | 1,529 |
| Efficiency ratio | 81.7361% | 1,772 |
| Assets per employee ($millions) | 3.5701% | 4,721 |
| Cash dividends to net income (ytd only)* | 44.5765% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 4,149 |
| Loan loss allowance to noncurrent loans | 119.2326% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 1.5566% | 2,094 |
| Noncurrent loans to loans | 1.0495% | 3,131 |
| Net loans and leases to total assets | 83.1461% | 365 |
| Net loans and leases to deposits | 103.2956% | 387 |
| Net loans and leases to core deposits | 111.4923% | 629 |
| Total domestic deposits to total assets | 80.4934% | 5,133 |
| Equity capital to assets | 10.2302% | 3,788 |
| Core capital (leverage) ratio | 10.1710% | 3,391 |
| Tier 1 risk-based capital ratio | 12.1866% | 5,432 |
| Total risk-based capital ratio | 13.4366% | 5,346 |
| Memoranda: | ||
| Average total assets | $473,958,670 | 1,414 |
| Average earning assets | $414,265,000 | 1,484 |
| Average equity | $48,188,330 | 1,484 |
| Average total loans | $395,057,330 | 1,106 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1258% | 569 |
| Cost of funding earning assets | 0.7032% | 1,225 |
| Net interest margin | 4.4226% | 768 |
| Noninterest income to average assets | 0.6935% | 2,207 |
| Noninterest expense to average assets | 3.7320% | 1,084 |
| Loan and lease loss provision to assets | 0.0769% | 2,605 |
| Net operating income to assets | 0.5423% | 4,490 |
| Return on assets (ROA) | 0.5423% | 4,563 |
| Pretax return on assets | 0.7206% | 4,417 |
| Return on Equity (ROE) | 5.3506% | 4,364 |
| Retained earnings to average equity (ytd only) | 2.8503% | 4,382 |
| Net charge-offs to loans | 0.0642% | 2,512 |
| Credit loss provision to net charge-offs | 144.4444% | 1,289 |
| Earnings coverage of net charge-offs (x) | 14.9841% | 1,574 |
| Efficiency ratio | 82.3946% | 1,877 |
| Assets per employee ($millions) | 3.7393% | 4,449 |
| Cash dividends to net income (ytd only)* | 46.7290% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 4,383 |
| Loan loss allowance to noncurrent loans | 191.5921% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 1.3559% | 2,603 |
| Noncurrent loans to loans | 0.6519% | 4,231 |
| Net loans and leases to total assets | 81.3052% | 419 |
| Net loans and leases to deposits | 100.8809% | 402 |
| Net loans and leases to core deposits | 109.0626% | 625 |
| Total domestic deposits to total assets | 80.5953% | 5,357 |
| Equity capital to assets | 10.0659% | 3,768 |
| Core capital (leverage) ratio | 10.1313% | 3,387 |
| Tier 1 risk-based capital ratio | 12.0336% | 5,624 |
| Total risk-based capital ratio | 13.2789% | 5,557 |
| Memoranda: | ||
| Average total assets | $473,524,000 | 1,420 |
| Average earning assets | $410,710,000 | 1,502 |
| Average equity | $47,994,500 | 1,489 |
| Average total loans | $392,684,000 | 1,122 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5236% | 350 |
| Cost of funding earning assets | 0.8225% | 1,080 |
| Net interest margin | 4.7012% | 508 |
| Noninterest income to average assets | 1.1682% | 1,029 |
| Noninterest expense to average assets | 3.8225% | 1,101 |
| Loan and lease loss provision to assets | 0.1712% | 2,145 |
| Net operating income to assets | 0.8982% | 2,794 |
| Return on assets (ROA) | 0.8982% | 2,880 |
| Pretax return on assets | 1.2529% | 2,349 |
| Return on Equity (ROE) | 9.0603% | 2,503 |
| Retained earnings to average equity (ytd only) | 6.4704% | 1,704 |
| Net charge-offs to loans | 0.3751% | 1,796 |
| Credit loss provision to net charge-offs | 54.8321% | 3,706 |
| Earnings coverage of net charge-offs (x) | 4.5620% | 3,532 |
| Efficiency ratio | 72.8570% | 3,321 |
| Assets per employee ($millions) | 3.6032% | 4,672 |
| Cash dividends to net income (ytd only)* | 28.5850% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 4,383 |
| Loan loss allowance to noncurrent loans | 166.5759% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 1.7617% | 2,106 |
| Noncurrent loans to loans | 0.7508% | 4,087 |
| Net loans and leases to total assets | 82.4906% | 367 |
| Net loans and leases to deposits | 103.0436% | 357 |
| Net loans and leases to core deposits | 111.5153% | 557 |
| Total domestic deposits to total assets | 80.0541% | 5,435 |
| Equity capital to assets | 10.2068% | 3,498 |
| Core capital (leverage) ratio | 10.1740% | 3,333 |
| Tier 1 risk-based capital ratio | 12.0636% | 5,582 |
| Total risk-based capital ratio | 13.3137% | 5,517 |
| Memoranda: | ||
| Average total assets | $467,393,800 | 1,413 |
| Average earning assets | $405,475,200 | 1,496 |
| Average equity | $46,334,000 | 1,509 |
| Average total loans | $388,932,200 | 1,096 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5212% | 359 |
| Cost of funding earning assets | 0.8528% | 1,033 |
| Net interest margin | 4.6684% | 544 |
| Noninterest income to average assets | 1.1708% | 1,073 |
| Noninterest expense to average assets | 3.7207% | 1,219 |
| Loan and lease loss provision to assets | 0.1904% | 1,927 |
| Net operating income to assets | 0.9170% | 2,749 |
| Return on assets (ROA) | 0.9170% | 2,849 |
| Pretax return on assets | 1.2955% | 2,350 |
| Return on Equity (ROE) | 9.3199% | 2,477 |
| Retained earnings to average equity (ytd only) | 6.7093% | 2,025 |
| Net charge-offs to loans | 0.2280% | 2,441 |
| Credit loss provision to net charge-offs | 100.4518% | 2,327 |
| Earnings coverage of net charge-offs (x) | 7.8404% | 2,719 |
| Efficiency ratio | 71.4615% | 3,518 |
| Assets per employee ($millions) | 3.5017% | 4,848 |
| Cash dividends to net income (ytd only)* | 28.0112% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 3,874 |
| Loan loss allowance to noncurrent loans | 144.3867% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 1.9652% | 2,067 |
| Noncurrent loans to loans | 0.9731% | 3,863 |
| Net loans and leases to total assets | 83.0893% | 289 |
| Net loans and leases to deposits | 103.4118% | 319 |
| Net loans and leases to core deposits | 111.2794% | 530 |
| Total domestic deposits to total assets | 80.3479% | 5,409 |
| Equity capital to assets | 10.0451% | 3,839 |
| Core capital (leverage) ratio | 9.9793% | 3,705 |
| Tier 1 risk-based capital ratio | 11.7308% | 5,932 |
| Total risk-based capital ratio | 12.9826% | 5,889 |
| Memoranda: | ||
| Average total assets | $467,139,250 | 1,421 |
| Average earning assets | $403,840,000 | 1,510 |
| Average equity | $45,965,000 | 1,537 |
| Average total loans | $388,342,750 | 1,105 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5680% | 343 |
| Cost of funding earning assets | 0.8911% | 944 |
| Net interest margin | 4.6770% | 527 |
| Noninterest income to average assets | 1.1350% | 1,182 |
| Noninterest expense to average assets | 3.7363% | 1,190 |
| Loan and lease loss provision to assets | 0.1359% | 2,625 |
| Net operating income to assets | 0.8777% | 2,924 |
| Return on assets (ROA) | 0.8777% | 3,065 |
| Pretax return on assets | 1.2889% | 2,343 |
| Return on Equity (ROE) | 8.9829% | 2,615 |
| Retained earnings to average equity (ytd only) | 6.3499% | 2,232 |
| Net charge-offs to loans | 0.2622% | 2,155 |
| Credit loss provision to net charge-offs | 62.6482% | 2,969 |
| Earnings coverage of net charge-offs (x) | 6.5672% | 2,698 |
| Efficiency ratio | 72.3935% | 3,404 |
| Assets per employee ($millions) | 3.6213% | 4,569 |
| Cash dividends to net income (ytd only)* | 29.3112% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 4,064 |
| Loan loss allowance to noncurrent loans | 162.2995% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 1.7106% | 2,544 |
| Noncurrent loans to loans | 0.8585% | 4,207 |
| Net loans and leases to total assets | 81.2584% | 411 |
| Net loans and leases to deposits | 100.9387% | 379 |
| Net loans and leases to core deposits | 107.2810% | 668 |
| Total domestic deposits to total assets | 80.5028% | 5,473 |
| Equity capital to assets | 9.9064% | 4,040 |
| Core capital (leverage) ratio | 9.6504% | 4,009 |
| Tier 1 risk-based capital ratio | 11.7572% | 5,950 |
| Total risk-based capital ratio | 13.0087% | 5,903 |
| Memoranda: | ||
| Average total assets | $466,444,670 | 1,427 |
| Average earning assets | $401,542,000 | 1,514 |
| Average equity | $45,575,330 | 1,553 |
| Average total loans | $385,980,330 | 1,107 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5751% | 327 |
| Cost of funding earning assets | 0.9024% | 977 |
| Net interest margin | 4.6726% | 499 |
| Noninterest income to average assets | 1.1414% | 1,148 |
| Noninterest expense to average assets | 3.6448% | 1,347 |
| Loan and lease loss provision to assets | 0.1948% | 1,903 |
| Net operating income to assets | 0.8985% | 2,664 |
| Return on assets (ROA) | 0.8985% | 2,815 |
| Pretax return on assets | 1.3233% | 2,146 |
| Return on Equity (ROE) | 9.2606% | 2,374 |
| Retained earnings to average equity (ytd only) | 6.6071% | 2,362 |
| Net charge-offs to loans | 0.2256% | 2,090 |
| Credit loss provision to net charge-offs | 104.1284% | 1,772 |
| Earnings coverage of net charge-offs (x) | 8.1147% | 1,979 |
| Efficiency ratio | 70.5951% | 3,871 |
| Assets per employee ($millions) | 3.7369% | 4,472 |
| Cash dividends to net income (ytd only)* | 28.6533% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 4,056 |
| Loan loss allowance to noncurrent loans | 171.8789% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 1.9351% | 2,426 |
| Noncurrent loans to loans | 0.8374% | 4,447 |
| Net loans and leases to total assets | 81.5403% | 305 |
| Net loans and leases to deposits | 99.8914% | 359 |
| Net loans and leases to core deposits | 107.3139% | 588 |
| Total domestic deposits to total assets | 81.6289% | 5,317 |
| Equity capital to assets | 9.7591% | 4,481 |
| Core capital (leverage) ratio | 9.7589% | 3,721 |
| Tier 1 risk-based capital ratio | 11.5362% | 6,169 |
| Total risk-based capital ratio | 12.7885% | 6,132 |
| Memoranda: | ||
| Average total assets | $466,090,000 | 1,436 |
| Average earning assets | $401,143,000 | 1,524 |
| Average equity | $45,224,000 | 1,582 |
| Average total loans | $386,487,500 | 1,107 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9378% | 294 |
| Cost of funding earning assets | 1.1135% | 862 |
| Net interest margin | 4.8243% | 520 |
| Noninterest income to average assets | 1.0614% | 1,376 |
| Noninterest expense to average assets | 3.7427% | 1,337 |
| Loan and lease loss provision to assets | 0.2201% | 2,935 |
| Net operating income to assets | 0.8740% | 2,937 |
| Return on assets (ROA) | 0.8740% | 3,180 |
| Pretax return on assets | 1.2658% | 2,539 |
| Return on Equity (ROE) | 9.1300% | 2,577 |
| Retained earnings to average equity (ytd only) | 6.3710% | 1,892 |
| Net charge-offs to loans | 0.2160% | 3,667 |
| Credit loss provision to net charge-offs | 121.2121% | 2,359 |
| Earnings coverage of net charge-offs (x) | 8.1830% | 2,460 |
| Efficiency ratio | 71.5807% | 3,505 |
| Assets per employee ($millions) | 3.7505% | 4,469 |
| Cash dividends to net income (ytd only)* | 30.2191% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4366% | 3,986 |
| Loan loss allowance to noncurrent loans | 267.0996% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 1.6583% | 2,911 |
| Noncurrent loans to loans | 0.5379% | 5,180 |
| Net loans and leases to total assets | 81.9182% | 329 |
| Net loans and leases to deposits | 100.3667% | 398 |
| Net loans and leases to core deposits | 104.1749% | 780 |
| Total domestic deposits to total assets | 81.6189% | 5,219 |
| Equity capital to assets | 9.6464% | 4,661 |
| Core capital (leverage) ratio | 9.6825% | 3,837 |
| Tier 1 risk-based capital ratio | 11.4058% | 6,160 |
| Total risk-based capital ratio | 12.6604% | 6,128 |
| Memoranda: | ||
| Average total assets | $454,325,200 | 1,447 |
| Average earning assets | $392,453,400 | 1,532 |
| Average equity | $43,493,800 | 1,600 |
| Average total loans | $381,972,800 | 1,094 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9512% | 299 |
| Cost of funding earning assets | 1.1374% | 916 |
| Net interest margin | 4.8138% | 549 |
| Noninterest income to average assets | 1.1599% | 1,134 |
| Noninterest expense to average assets | 3.6751% | 1,405 |
| Loan and lease loss provision to assets | 0.2775% | 2,352 |
| Net operating income to assets | 0.9349% | 2,816 |
| Return on assets (ROA) | 0.9349% | 3,037 |
| Pretax return on assets | 1.3727% | 2,330 |
| Return on Equity (ROE) | 9.7854% | 2,451 |
| Retained earnings to average equity (ytd only) | 7.0046% | 2,130 |
| Net charge-offs to loans | 0.2696% | 3,109 |
| Credit loss provision to net charge-offs | 122.0779% | 2,368 |
| Earnings coverage of net charge-offs (x) | 7.2598% | 2,628 |
| Efficiency ratio | 69.0116% | 3,877 |
| Assets per employee ($millions) | 3.6800% | 4,586 |
| Cash dividends to net income (ytd only)* | 28.4181% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 4,195 |
| Loan loss allowance to noncurrent loans | 134.3341% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 2.6243% | 2,009 |
| Noncurrent loans to loans | 1.0716% | 4,300 |
| Net loans and leases to total assets | 84.6084% | 198 |
| Net loans and leases to deposits | 103.7679% | 288 |
| Net loans and leases to core deposits | 107.8109% | 657 |
| Total domestic deposits to total assets | 81.5362% | 5,178 |
| Equity capital to assets | 9.8818% | 4,665 |
| Core capital (leverage) ratio | 9.6575% | 4,036 |
| Tier 1 risk-based capital ratio | 11.3449% | 6,329 |
| Total risk-based capital ratio | 12.5973% | 6,294 |
| Memoranda: | ||
| Average total assets | $451,640,250 | 1,471 |
| Average earning assets | $390,812,750 | 1,551 |
| Average equity | $43,151,750 | 1,627 |
| Average total loans | $380,834,500 | 1,109 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8981% | 343 |
| Cost of funding earning assets | 1.1585% | 985 |
| Net interest margin | 4.7395% | 623 |
| Noninterest income to average assets | 0.9237% | 1,695 |
| Noninterest expense to average assets | 3.5653% | 1,649 |
| Loan and lease loss provision to assets | 0.2767% | 2,375 |
| Net operating income to assets | 0.7938% | 3,417 |
| Return on assets (ROA) | 0.7938% | 3,671 |
| Pretax return on assets | 1.1588% | 3,087 |
| Return on Equity (ROE) | 8.4029% | 3,069 |
| Retained earnings to average equity (ytd only) | 5.5957% | 2,935 |
| Net charge-offs to loans | 0.2278% | 3,210 |
| Credit loss provision to net charge-offs | 144.9074% | 1,914 |
| Earnings coverage of net charge-offs (x) | 7.5185% | 2,464 |
| Efficiency ratio | 71.2947% | 3,552 |
| Assets per employee ($millions) | 3.6443% | 4,651 |
| Cash dividends to net income (ytd only)* | 33.4076% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 4,294 |
| Loan loss allowance to noncurrent loans | 130.9826% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 2.8745% | 1,921 |
| Noncurrent loans to loans | 1.0986% | 4,327 |
| Net loans and leases to total assets | 85.1449% | 173 |
| Net loans and leases to deposits | 102.8869% | 311 |
| Net loans and leases to core deposits | 106.0856% | 739 |
| Total domestic deposits to total assets | 82.7558% | 4,848 |
| Equity capital to assets | 9.6629% | 4,804 |
| Core capital (leverage) ratio | 9.4154% | 4,276 |
| Tier 1 risk-based capital ratio | 11.1521% | 6,429 |
| Total risk-based capital ratio | 12.4046% | 6,404 |
| Memoranda: | ||
| Average total assets | $452,531,670 | 1,473 |
| Average earning assets | $389,280,330 | 1,559 |
| Average equity | $42,747,000 | 1,633 |
| Average total loans | $379,309,000 | 1,113 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8582% | 384 |
| Cost of funding earning assets | 1.1756% | 1,081 |
| Net interest margin | 4.6826% | 706 |
| Noninterest income to average assets | 1.0443% | 1,326 |
| Noninterest expense to average assets | 3.5868% | 1,585 |
| Loan and lease loss provision to assets | 0.1724% | 3,242 |
| Net operating income to assets | 0.8701% | 3,052 |
| Return on assets (ROA) | 0.8701% | 3,279 |
| Pretax return on assets | 1.2730% | 2,639 |
| Return on Equity (ROE) | 9.3162% | 2,671 |
| Retained earnings to average equity (ytd only) | 6.4903% | 2,692 |
| Net charge-offs to loans | 0.1524% | 3,178 |
| Credit loss provision to net charge-offs | 137.0629% | 1,795 |
| Earnings coverage of net charge-offs (x) | 11.4895% | 1,668 |
| Efficiency ratio | 71.2762% | 3,575 |
| Assets per employee ($millions) | 3.6996% | 4,650 |
| Cash dividends to net income (ytd only)* | 30.3337% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 4,420 |
| Loan loss allowance to noncurrent loans | 92.9011% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 3.0191% | 1,920 |
| Noncurrent loans to loans | 1.5501% | 3,786 |
| Net loans and leases to total assets | 82.3523% | 259 |
| Net loans and leases to deposits | 100.7137% | 346 |
| Net loans and leases to core deposits | 105.1708% | 711 |
| Total domestic deposits to total assets | 81.7688% | 5,369 |
| Equity capital to assets | 9.4847% | 4,823 |
| Core capital (leverage) ratio | 9.3184% | 4,333 |
| Tier 1 risk-based capital ratio | 11.2102% | 6,436 |
| Total risk-based capital ratio | 12.4627% | 6,418 |
| Memoranda: | ||
| Average total assets | $454,673,000 | 1,470 |
| Average earning assets | $387,219,000 | 1,568 |
| Average equity | $42,463,500 | 1,635 |
| Average total loans | $375,347,000 | 1,127 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9648% | 457 |
| Cost of funding earning assets | 1.3262% | 1,358 |
| Net interest margin | 4.6386% | 855 |
| Noninterest income to average assets | 1.1340% | 1,020 |
| Noninterest expense to average assets | 3.6896% | 1,558 |
| Loan and lease loss provision to assets | 0.4746% | 2,231 |
| Net operating income to assets | 0.6900% | 3,537 |
| Return on assets (ROA) | 0.7007% | 3,672 |
| Pretax return on assets | 0.9994% | 3,249 |
| Return on Equity (ROE) | 7.4749% | 3,161 |
| Retained earnings to average equity (ytd only) | 4.5541% | 2,938 |
| Net charge-offs to loans | 0.5335% | 2,873 |
| Credit loss provision to net charge-offs | 105.4232% | 3,248 |
| Earnings coverage of net charge-offs (x) | 3.2402% | 3,589 |
| Efficiency ratio | 71.6660% | 3,644 |
| Assets per employee ($millions) | 3.9482% | 3,972 |
| Cash dividends to net income (ytd only)* | 39.0752% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 4,287 |
| Loan loss allowance to noncurrent loans | 94.3012% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 3.1796% | 1,878 |
| Noncurrent loans to loans | 1.5267% | 3,861 |
| Net loans and leases to total assets | 80.3910% | 455 |
| Net loans and leases to deposits | 97.9484% | 563 |
| Net loans and leases to core deposits | 102.5371% | 990 |
| Total domestic deposits to total assets | 82.0749% | 5,106 |
| Equity capital to assets | 9.1961% | 5,293 |
| Core capital (leverage) ratio | 9.3670% | 4,230 |
| Tier 1 risk-based capital ratio | 11.1039% | 6,402 |
| Total risk-based capital ratio | 12.3563% | 6,379 |
| Memoranda: | ||
| Average total assets | $438,262,800 | 1,490 |
| Average earning assets | $379,277,800 | 1,563 |
| Average equity | $41,084,000 | 1,632 |
| Average total loans | $369,812,600 | 1,146 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0153% | 442 |
| Cost of funding earning assets | 1.3641% | 1,403 |
| Net interest margin | 4.6512% | 847 |
| Noninterest income to average assets | 1.0827% | 1,144 |
| Noninterest expense to average assets | 3.7002% | 1,498 |
| Loan and lease loss provision to assets | 0.5784% | 1,699 |
| Net operating income to assets | 0.5929% | 4,116 |
| Return on assets (ROA) | 0.6074% | 4,238 |
| Pretax return on assets | 0.8723% | 3,873 |
| Return on Equity (ROE) | 6.4467% | 3,798 |
| Retained earnings to average equity (ytd only) | 3.5075% | 4,245 |
| Net charge-offs to loans | 0.6676% | 2,242 |
| Credit loss provision to net charge-offs | 101.7867% | 3,289 |
| Earnings coverage of net charge-offs (x) | 2.5165% | 3,874 |
| Efficiency ratio | 72.1243% | 3,528 |
| Assets per employee ($millions) | 3.8780% | 4,123 |
| Cash dividends to net income (ytd only)* | 45.5928% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 4,431 |
| Loan loss allowance to noncurrent loans | 82.3858% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 3.1023% | 2,062 |
| Noncurrent loans to loans | 1.7329% | 3,721 |
| Net loans and leases to total assets | 82.1147% | 345 |
| Net loans and leases to deposits | 100.1956% | 466 |
| Net loans and leases to core deposits | 104.1580% | 971 |
| Total domestic deposits to total assets | 81.9544% | 5,107 |
| Equity capital to assets | 9.2640% | 5,432 |
| Core capital (leverage) ratio | 9.3562% | 4,368 |
| Tier 1 risk-based capital ratio | 11.0625% | 6,505 |
| Total risk-based capital ratio | 12.3149% | 6,489 |
| Memoranda: | ||
| Average total assets | $433,331,250 | 1,515 |
| Average earning assets | $377,097,750 | 1,585 |
| Average equity | $40,825,750 | 1,646 |
| Average total loans | $368,875,750 | 1,158 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0245% | 461 |
| Cost of funding earning assets | 1.3938% | 1,450 |
| Net interest margin | 4.6308% | 851 |
| Noninterest income to average assets | 1.0379% | 1,226 |
| Noninterest expense to average assets | 3.7840% | 1,371 |
| Loan and lease loss provision to assets | 0.3705% | 2,569 |
| Net operating income to assets | 0.6408% | 3,849 |
| Return on assets (ROA) | 0.6408% | 3,972 |
| Pretax return on assets | 0.9219% | 3,542 |
| Return on Equity (ROE) | 6.7629% | 3,546 |
| Retained earnings to average equity (ytd only) | 3.8118% | 3,786 |
| Net charge-offs to loans | 0.4223% | 2,871 |
| Credit loss provision to net charge-offs | 102.3166% | 3,023 |
| Earnings coverage of net charge-offs (x) | 3.5689% | 3,130 |
| Efficiency ratio | 74.5409% | 3,266 |
| Assets per employee ($millions) | 3.7270% | 4,362 |
| Cash dividends to net income (ytd only)* | 43.6364% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 4,400 |
| Loan loss allowance to noncurrent loans | 89.7658% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 3.1173% | 2,154 |
| Noncurrent loans to loans | 1.6035% | 3,987 |
| Net loans and leases to total assets | 84.4966% | 214 |
| Net loans and leases to deposits | 104.2632% | 311 |
| Net loans and leases to core deposits | 108.5639% | 779 |
| Total domestic deposits to total assets | 81.0416% | 5,511 |
| Equity capital to assets | 9.5804% | 4,687 |
| Core capital (leverage) ratio | 9.4195% | 4,075 |
| Tier 1 risk-based capital ratio | 11.1755% | 6,397 |
| Total risk-based capital ratio | 12.4283% | 6,391 |
| Memoranda: | ||
| Average total assets | $429,120,000 | 1,538 |
| Average earning assets | $374,235,670 | 1,608 |
| Average equity | $40,663,000 | 1,646 |
| Average total loans | $367,998,670 | 1,183 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0304% | 446 |
| Cost of funding earning assets | 1.4106% | 1,560 |
| Net interest margin | 4.6198% | 831 |
| Noninterest income to average assets | 0.9157% | 1,601 |
| Noninterest expense to average assets | 3.7645% | 1,412 |
| Loan and lease loss provision to assets | 0.2795% | 2,918 |
| Net operating income to assets | 0.6325% | 3,852 |
| Return on assets (ROA) | 0.6325% | 3,922 |
| Pretax return on assets | 0.9083% | 3,465 |
| Return on Equity (ROE) | 6.7122% | 3,526 |
| Retained earnings to average equity (ytd only) | 3.7466% | 3,921 |
| Net charge-offs to loans | 0.2639% | 3,015 |
| Credit loss provision to net charge-offs | 123.4568% | 2,226 |
| Earnings coverage of net charge-offs (x) | 5.2469% | 2,309 |
| Efficiency ratio | 76.0158% | 3,161 |
| Assets per employee ($millions) | 3.6935% | 4,556 |
| Cash dividends to net income (ytd only)* | 44.1826% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 4,484 |
| Loan loss allowance to noncurrent loans | 138.1743% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 2.5992% | 2,638 |
| Noncurrent loans to loans | 1.0417% | 4,972 |
| Net loans and leases to total assets | 85.8957% | 134 |
| Net loans and leases to deposits | 104.4426% | 300 |
| Net loans and leases to core deposits | 112.1397% | 653 |
| Total domestic deposits to total assets | 82.2421% | 5,214 |
| Equity capital to assets | 9.5687% | 4,345 |
| Core capital (leverage) ratio | 9.3808% | 3,997 |
| Tier 1 risk-based capital ratio | 11.0867% | 6,446 |
| Total risk-based capital ratio | 12.3396% | 6,422 |
| Memoranda: | ||
| Average total assets | $429,379,000 | 1,548 |
| Average earning assets | $375,164,500 | 1,615 |
| Average equity | $40,463,500 | 1,646 |
| Average total loans | $368,276,500 | 1,196 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1889% | 578 |
| Cost of funding earning assets | 1.7405% | 1,421 |
| Net interest margin | 4.4483% | 1,357 |
| Noninterest income to average assets | 1.2173% | 1,014 |
| Noninterest expense to average assets | 3.5784% | 1,977 |
| Loan and lease loss provision to assets | 0.4781% | 3,266 |
| Net operating income to assets | 0.7343% | 3,074 |
| Return on assets (ROA) | 0.7343% | 3,202 |
| Pretax return on assets | 1.0407% | 2,808 |
| Return on Equity (ROE) | 8.0883% | 2,671 |
| Retained earnings to average equity (ytd only) | 5.0207% | 2,396 |
| Net charge-offs to loans | 0.3701% | 4,184 |
| Credit loss provision to net charge-offs | 152.4796% | 2,348 |
| Earnings coverage of net charge-offs (x) | 4.8438% | 2,785 |
| Efficiency ratio | 70.2031% | 4,138 |
| Assets per employee ($millions) | 3.8751% | 4,066 |
| Cash dividends to net income (ytd only)* | 37.9267% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 4,332 |
| Loan loss allowance to noncurrent loans | 190.7019% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 2.1242% | 3,187 |
| Noncurrent loans to loans | 0.7544% | 5,535 |
| Net loans and leases to total assets | 83.2040% | 363 |
| Net loans and leases to deposits | 100.7761% | 537 |
| Net loans and leases to core deposits | 111.4839% | 845 |
| Total domestic deposits to total assets | 82.5632% | 4,988 |
| Equity capital to assets | 9.2819% | 4,710 |
| Core capital (leverage) ratio | 9.2204% | 4,138 |
| Tier 1 risk-based capital ratio | 10.9999% | 6,321 |
| Total risk-based capital ratio | 12.2524% | 6,301 |
| Memoranda: | ||
| Average total assets | $430,857,600 | 1,550 |
| Average earning assets | $375,804,400 | 1,603 |
| Average equity | $39,118,000 | 1,689 |
| Average total loans | $365,073,600 | 1,234 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1705% | 653 |
| Cost of funding earning assets | 1.8017% | 1,414 |
| Net interest margin | 4.3687% | 1,619 |
| Noninterest income to average assets | 1.0835% | 1,216 |
| Noninterest expense to average assets | 3.4111% | 2,261 |
| Loan and lease loss provision to assets | 0.5286% | 2,818 |
| Net operating income to assets | 0.6752% | 3,527 |
| Return on assets (ROA) | 0.6752% | 3,685 |
| Pretax return on assets | 0.9648% | 3,314 |
| Return on Equity (ROE) | 7.4792% | 3,116 |
| Retained earnings to average equity (ytd only) | 4.3887% | 3,406 |
| Net charge-offs to loans | 0.4167% | 3,623 |
| Credit loss provision to net charge-offs | 149.5614% | 2,607 |
| Earnings coverage of net charge-offs (x) | 4.2254% | 3,148 |
| Efficiency ratio | 69.5512% | 4,163 |
| Assets per employee ($millions) | 3.8409% | 4,163 |
| Cash dividends to net income (ytd only)* | 41.3223% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 4,448 |
| Loan loss allowance to noncurrent loans | 147.0318% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 2.3228% | 3,058 |
| Noncurrent loans to loans | 0.9529% | 5,330 |
| Net loans and leases to total assets | 84.6272% | 289 |
| Net loans and leases to deposits | 103.7041% | 447 |
| Net loans and leases to core deposits | 112.8478% | 890 |
| Total domestic deposits to total assets | 81.6045% | 5,160 |
| Equity capital to assets | 9.2940% | 5,157 |
| Core capital (leverage) ratio | 9.0483% | 4,607 |
| Tier 1 risk-based capital ratio | 10.7934% | 6,554 |
| Total risk-based capital ratio | 12.0457% | 6,536 |
| Memoranda: | ||
| Average total assets | $430,070,250 | 1,572 |
| Average earning assets | $376,148,500 | 1,622 |
| Average equity | $38,826,500 | 1,718 |
| Average total loans | $364,746,500 | 1,249 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0459% | 850 |
| Cost of funding earning assets | 1.8318% | 1,523 |
| Net interest margin | 4.2141% | 2,115 |
| Noninterest income to average assets | 0.8764% | 1,775 |
| Noninterest expense to average assets | 3.3025% | 2,553 |
| Loan and lease loss provision to assets | 0.5425% | 2,605 |
| Net operating income to assets | 0.5091% | 4,282 |
| Return on assets (ROA) | 0.5091% | 4,433 |
| Pretax return on assets | 0.7118% | 4,195 |
| Return on Equity (ROE) | 5.6949% | 3,944 |
| Retained earnings to average equity (ytd only) | 2.5829% | 4,501 |
| Net charge-offs to loans | 0.3343% | 3,658 |
| Credit loss provision to net charge-offs | 192.1182% | 2,050 |
| Earnings coverage of net charge-offs (x) | 4.4417% | 2,952 |
| Efficiency ratio | 72.4738% | 3,744 |
| Assets per employee ($millions) | 3.8350% | 4,139 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 4,421 |
| Loan loss allowance to noncurrent loans | 138.2353% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 2.3510% | 3,074 |
| Noncurrent loans to loans | 1.0125% | 5,284 |
| Net loans and leases to total assets | 84.0282% | 352 |
| Net loans and leases to deposits | 102.7226% | 548 |
| Net loans and leases to core deposits | 114.4809% | 898 |
| Total domestic deposits to total assets | 81.8010% | 5,068 |
| Equity capital to assets | 9.0459% | 5,375 |
| Core capital (leverage) ratio | 8.8910% | 4,760 |
| Tier 1 risk-based capital ratio | 10.6287% | 6,585 |
| Total risk-based capital ratio | 11.8809% | 6,584 |
| Memoranda: | ||
| Average total assets | $431,314,330 | 1,586 |
| Average earning assets | $376,683,670 | 1,636 |
| Average equity | $38,560,670 | 1,726 |
| Average total loans | $364,353,670 | 1,258 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0062% | 975 |
| Cost of funding earning assets | 1.8538% | 1,642 |
| Net interest margin | 4.1524% | 2,220 |
| Noninterest income to average assets | 0.8542% | 1,798 |
| Noninterest expense to average assets | 3.3650% | 2,329 |
| Loan and lease loss provision to assets | 0.5460% | 2,317 |
| Net operating income to assets | 0.4128% | 4,782 |
| Return on assets (ROA) | 0.4128% | 4,925 |
| Pretax return on assets | 0.5627% | 4,744 |
| Return on Equity (ROE) | 4.6441% | 4,562 |
| Retained earnings to average equity (ytd only) | 1.5203% | 5,183 |
| Net charge-offs to loans | 0.2344% | 3,528 |
| Credit loss provision to net charge-offs | 276.9953% | 1,431 |
| Earnings coverage of net charge-offs (x) | 5.6244% | 2,357 |
| Efficiency ratio | 75.2172% | 3,357 |
| Assets per employee ($millions) | 3.8339% | 4,242 |
| Cash dividends to net income (ytd only)* | 67.2646% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 4,598 |
| Loan loss allowance to noncurrent loans | 127.0973% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 2.5275% | 2,875 |
| Noncurrent loans to loans | 1.0737% | 5,201 |
| Net loans and leases to total assets | 83.1352% | 461 |
| Net loans and leases to deposits | 101.3811% | 671 |
| Net loans and leases to core deposits | 112.9568% | 1,098 |
| Total domestic deposits to total assets | 82.0026% | 5,069 |
| Equity capital to assets | 8.9622% | 5,333 |
| Core capital (leverage) ratio | 8.7259% | 4,978 |
| Tier 1 risk-based capital ratio | 10.5182% | 6,614 |
| Total risk-based capital ratio | 11.7698% | 6,607 |
| Memoranda: | ||
| Average total assets | $432,212,000 | 1,615 |
| Average earning assets | $376,741,500 | 1,676 |
| Average equity | $38,414,000 | 1,755 |
| Average total loans | $363,510,500 | 1,298 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1867% | 1,267 |
| Cost of funding earning assets | 2.3172% | 1,589 |
| Net interest margin | 3.8695% | 3,397 |
| Noninterest income to average assets | 0.9749% | 1,651 |
| Noninterest expense to average assets | 3.4351% | 2,570 |
| Loan and lease loss provision to assets | 0.6752% | 3,119 |
| Net operating income to assets | 0.2390% | 4,764 |
| Return on assets (ROA) | 0.2328% | 4,860 |
| Pretax return on assets | 0.2731% | 4,837 |
| Return on Equity (ROE) | 2.5749% | 4,673 |
| Retained earnings to average equity (ytd only) | -0.5150% | 5,112 |
| Net charge-offs to loans | 0.7493% | 2,953 |
| Credit loss provision to net charge-offs | 106.2271% | 5,215 |
| Earnings coverage of net charge-offs (x) | 1.5033% | 4,620 |
| Efficiency ratio | 78.2362% | 3,153 |
| Assets per employee ($millions) | 3.8841% | 4,065 |
| Cash dividends to net income (ytd only)* | 120.0000% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 5,057 |
| Loan loss allowance to noncurrent loans | 98.8944% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 3.0415% | 2,295 |
| Noncurrent loans to loans | 1.2635% | 4,826 |
| Net loans and leases to total assets | 82.8776% | 560 |
| Net loans and leases to deposits | 102.1956% | 742 |
| Net loans and leases to core deposits | 122.9843% | 1,713 |
| Total domestic deposits to total assets | 81.0970% | 5,313 |
| Equity capital to assets | 8.8143% | 5,411 |
| Core capital (leverage) ratio | 8.7995% | 4,772 |
| Tier 1 risk-based capital ratio | 10.2803% | 6,608 |
| Total risk-based capital ratio | 11.5246% | 6,585 |
| Memoranda: | ||
| Average total assets | $429,478,200 | 1,613 |
| Average earning assets | $379,121,600 | 1,661 |
| Average equity | $38,836,000 | 1,724 |
| Average total loans | $364,360,600 | 1,321 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2040% | 1,371 |
| Cost of funding earning assets | 2.4388% | 1,496 |
| Net interest margin | 3.7652% | 3,799 |
| Noninterest income to average assets | 1.1611% | 1,170 |
| Noninterest expense to average assets | 3.4605% | 2,389 |
| Loan and lease loss provision to assets | 0.5014% | 3,385 |
| Net operating income to assets | 0.3949% | 4,418 |
| Return on assets (ROA) | 0.3878% | 4,550 |
| Pretax return on assets | 0.5207% | 4,452 |
| Return on Equity (ROE) | 4.2608% | 4,268 |
| Retained earnings to average equity (ytd only) | 1.1807% | 4,663 |
| Net charge-offs to loans | 0.5470% | 3,047 |
| Credit loss provision to net charge-offs | 107.7644% | 4,716 |
| Earnings coverage of net charge-offs (x) | 2.2175% | 4,155 |
| Efficiency ratio | 77.0313% | 3,318 |
| Assets per employee ($millions) | 3.7678% | 4,266 |
| Cash dividends to net income (ytd only)* | 72.2891% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 4,896 |
| Loan loss allowance to noncurrent loans | 83.6519% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 3.3550% | 2,002 |
| Noncurrent loans to loans | 1.4839% | 4,441 |
| Net loans and leases to total assets | 84.9920% | 438 |
| Net loans and leases to deposits | 105.6694% | 667 |
| Net loans and leases to core deposits | 126.7989% | 1,676 |
| Total domestic deposits to total assets | 80.4320% | 5,279 |
| Equity capital to assets | 9.2297% | 5,114 |
| Core capital (leverage) ratio | 9.1325% | 4,442 |
| Tier 1 risk-based capital ratio | 10.6991% | 6,252 |
| Total risk-based capital ratio | 11.9442% | 6,230 |
| Memoranda: | ||
| Average total assets | $428,092,250 | 1,632 |
| Average earning assets | $378,754,750 | 1,677 |
| Average equity | $38,959,000 | 1,743 |
| Average total loans | $364,176,250 | 1,348 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1775% | 1,534 |
| Cost of funding earning assets | 2.5168% | 1,555 |
| Net interest margin | 3.6607% | 4,117 |
| Noninterest income to average assets | 1.3498% | 836 |
| Noninterest expense to average assets | 3.3967% | 2,644 |
| Loan and lease loss provision to assets | 0.3776% | 3,666 |
| Net operating income to assets | 0.5856% | 3,739 |
| Return on assets (ROA) | 0.5752% | 3,897 |
| Pretax return on assets | 0.8035% | 3,656 |
| Return on Equity (ROE) | 6.3497% | 3,499 |
| Retained earnings to average equity (ytd only) | 3.2698% | 3,501 |
| Net charge-offs to loans | 0.4532% | 3,009 |
| Credit loss provision to net charge-offs | 98.3051% | 4,669 |
| Earnings coverage of net charge-offs (x) | 3.1126% | 3,565 |
| Efficiency ratio | 73.9672% | 4,033 |
| Assets per employee ($millions) | 3.7931% | 4,111 |
| Cash dividends to net income (ytd only)* | 48.5044% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 4,835 |
| Loan loss allowance to noncurrent loans | 93.4472% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 3.2787% | 1,892 |
| Noncurrent loans to loans | 1.3000% | 4,603 |
| Net loans and leases to total assets | 83.8012% | 664 |
| Net loans and leases to deposits | 107.0385% | 703 |
| Net loans and leases to core deposits | 129.0601% | 1,644 |
| Total domestic deposits to total assets | 78.2907% | 6,001 |
| Equity capital to assets | 9.2364% | 4,955 |
| Core capital (leverage) ratio | 8.9926% | 4,642 |
| Tier 1 risk-based capital ratio | 10.7540% | 6,130 |
| Total risk-based capital ratio | 11.9600% | 6,118 |
| Memoranda: | ||
| Average total assets | $430,124,670 | 1,644 |
| Average earning assets | $380,962,670 | 1,698 |
| Average equity | $38,962,330 | 1,747 |
| Average total loans | $364,511,670 | 1,366 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1538% | 1,746 |
| Cost of funding earning assets | 2.5463% | 1,749 |
| Net interest margin | 3.6075% | 4,286 |
| Noninterest income to average assets | 1.2570% | 905 |
| Noninterest expense to average assets | 3.2146% | 2,924 |
| Loan and lease loss provision to assets | 0.3115% | 3,475 |
| Net operating income to assets | 0.6618% | 3,749 |
| Return on assets (ROA) | 0.6618% | 3,926 |
| Pretax return on assets | 0.9326% | 3,593 |
| Return on Equity (ROE) | 7.3769% | 3,432 |
| Retained earnings to average equity (ytd only) | 4.2860% | 3,524 |
| Net charge-offs to loans | 0.3896% | 2,539 |
| Credit loss provision to net charge-offs | 94.3978% | 3,911 |
| Earnings coverage of net charge-offs (x) | 3.7703% | 3,072 |
| Efficiency ratio | 72.0978% | 4,177 |
| Assets per employee ($millions) | 3.9038% | 3,861 |
| Cash dividends to net income (ytd only)* | 41.8994% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 4,841 |
| Loan loss allowance to noncurrent loans | 91.2354% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 2.8064% | 2,028 |
| Noncurrent loans to loans | 1.3099% | 4,358 |
| Net loans and leases to total assets | 82.6701% | 902 |
| Net loans and leases to deposits | 107.6811% | 750 |
| Net loans and leases to core deposits | 128.1081% | 1,779 |
| Total domestic deposits to total assets | 76.7731% | 6,345 |
| Equity capital to assets | 8.9282% | 5,439 |
| Core capital (leverage) ratio | 9.0132% | 4,691 |
| Tier 1 risk-based capital ratio | 10.6061% | 6,286 |
| Total risk-based capital ratio | 11.7997% | 6,251 |
| Memoranda: | ||
| Average total assets | $432,773,000 | 1,645 |
| Average earning assets | $384,085,500 | 1,697 |
| Average equity | $38,824,000 | 1,749 |
| Average total loans | $366,573,000 | 1,378 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6764% | 2,122 |
| Cost of funding earning assets | 3.0576% | 1,649 |
| Net interest margin | 3.6189% | 4,795 |
| Noninterest income to average assets | 0.8480% | 2,248 |
| Noninterest expense to average assets | 3.1421% | 3,543 |
| Loan and lease loss provision to assets | 0.3217% | 3,806 |
| Net operating income to assets | 0.4218% | 5,069 |
| Return on assets (ROA) | 0.4218% | 4,886 |
| Pretax return on assets | 0.5578% | 4,826 |
| Return on Equity (ROE) | 4.6467% | 4,538 |
| Retained earnings to average equity (ytd only) | 1.5194% | 4,314 |
| Net charge-offs to loans | 0.2988% | 3,397 |
| Credit loss provision to net charge-offs | 126.6294% | 4,216 |
| Earnings coverage of net charge-offs (x) | 3.4618% | 4,357 |
| Efficiency ratio | 78.1307% | 2,899 |
| Assets per employee ($millions) | 3.8243% | 3,912 |
| Cash dividends to net income (ytd only)* | 67.3023% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 4,568 |
| Loan loss allowance to noncurrent loans | 82.6341% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 3.0222% | 1,519 |
| Noncurrent loans to loans | 1.4470% | 3,631 |
| Net loans and leases to total assets | 84.7326% | 777 |
| Net loans and leases to deposits | 111.0190% | 766 |
| Net loans and leases to core deposits | 128.8754% | 1,939 |
| Total domestic deposits to total assets | 76.3226% | 6,159 |
| Equity capital to assets | 9.0147% | 5,352 |
| Core capital (leverage) ratio | 9.0510% | 4,672 |
| Tier 1 risk-based capital ratio | 10.5379% | 6,169 |
| Total risk-based capital ratio | 11.7423% | 6,096 |
| Memoranda: | ||
| Average total assets | $422,743,800 | 1,608 |
| Average earning assets | $370,721,600 | 1,680 |
| Average equity | $38,371,000 | 1,760 |
| Average total loans | $359,390,600 | 1,351 |