Home > United Bankers' Bank > Performance and Condition Ratios
United Bankers' Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2628% | 3,499 |
| Cost of funding earning assets | 2.5512% | 333 |
| Net interest margin | 1.7116% | 4,469 |
| Noninterest income to average assets | 1.5100% | 383 |
| Noninterest expense to average assets | 2.7106% | 1,708 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.3555% | 3,948 |
| Return on assets (ROA) | 0.2719% | 4,072 |
| Pretax return on assets | 0.3351% | 4,055 |
| Return on Equity (ROE) | 2.7000% | 4,072 |
| Retained earnings to average equity (ytd only) | 2.7028% | 3,377 |
| Net charge-offs to loans | 0.0054% | 2,515 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 134.7750% | 765 |
| Efficiency ratio | 85.7173% | 577 |
| Assets per employee ($millions) | 8.8373% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 725 |
| Loan loss allowance to noncurrent loans | 213.6014% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 1,122 |
| Noncurrent loans to loans | 0.7793% | 995 |
| Net loans and leases to total assets | 63.2200% | 2,543 |
| Net loans and leases to deposits | 109.1201% | 217 |
| Net loans and leases to core deposits | 231.4802% | 67 |
| Total domestic deposits to total assets | 57.9400% | 4,451 |
| Equity capital to assets | 10.6815% | 1,638 |
| Core capital (leverage) ratio | 11.9440% | 1,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9171% | 1,289 |
| Memoranda: | ||
| Average total assets | $1,199,790,600 | 854 |
| Average earning assets | $1,153,613,400 | 818 |
| Average equity | $120,687,600 | 820 |
| Average total loans | $742,075,200 | 912 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1900% | 3,490 |
| Cost of funding earning assets | 2.4919% | 279 |
| Net interest margin | 1.6982% | 4,503 |
| Noninterest income to average assets | 1.6100% | 361 |
| Noninterest expense to average assets | 2.6531% | 1,787 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.4484% | 3,872 |
| Return on assets (ROA) | 0.4484% | 3,870 |
| Pretax return on assets | 0.5762% | 3,779 |
| Return on Equity (ROE) | 4.5300% | 3,891 |
| Retained earnings to average equity (ytd only) | 4.5253% | 3,091 |
| Net charge-offs to loans | 0.0074% | 2,152 |
| Credit loss provision to net charge-offs | 609.7561% | 551 |
| Earnings coverage of net charge-offs (x) | 129.9756% | 803 |
| Efficiency ratio | 81.7869% | 742 |
| Assets per employee ($millions) | 9.0140% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 769 |
| Loan loss allowance to noncurrent loans | 10,627.3504% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 3,758 |
| Noncurrent loans to loans | 0.0156% | 3,678 |
| Net loans and leases to total assets | 62.3500% | 2,616 |
| Net loans and leases to deposits | 109.1540% | 217 |
| Net loans and leases to core deposits | 229.0253% | 27 |
| Total domestic deposits to total assets | 57.1200% | 4,475 |
| Equity capital to assets | 10.1814% | 1,719 |
| Core capital (leverage) ratio | 11.7581% | 1,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8641% | 1,358 |
| Memoranda: | ||
| Average total assets | $1,208,108,250 | 855 |
| Average earning assets | $1,161,463,000 | 821 |
| Average equity | $119,709,000 | 819 |
| Average total loans | $740,093,000 | 917 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0733% | 3,539 |
| Cost of funding earning assets | 2.3526% | 248 |
| Net interest margin | 1.7208% | 4,552 |
| Noninterest income to average assets | 1.8500% | 258 |
| Noninterest expense to average assets | 2.7102% | 1,614 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.5744% | 3,644 |
| Return on assets (ROA) | 0.5744% | 3,648 |
| Pretax return on assets | 0.7711% | 3,463 |
| Return on Equity (ROE) | 5.8500% | 3,727 |
| Retained earnings to average equity (ytd only) | 5.8493% | 2,679 |
| Net charge-offs to loans | 0.0068% | 1,985 |
| Credit loss provision to net charge-offs | 1,000.0000% | 406 |
| Earnings coverage of net charge-offs (x) | 193.1600% | 625 |
| Efficiency ratio | 77.2827% | 1,065 |
| Assets per employee ($millions) | 9.4813% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 830 |
| Loan loss allowance to noncurrent loans | 12,087.3786% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 3,768 |
| Noncurrent loans to loans | 0.0137% | 3,681 |
| Net loans and leases to total assets | 60.5600% | 2,721 |
| Net loans and leases to deposits | 113.2821% | 159 |
| Net loans and leases to core deposits | 227.1409% | 27 |
| Total domestic deposits to total assets | 53.4600% | 4,513 |
| Equity capital to assets | 9.8728% | 1,925 |
| Core capital (leverage) ratio | 11.7438% | 1,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7480% | 1,372 |
| Memoranda: | ||
| Average total assets | $1,217,199,333 | 838 |
| Average earning assets | $1,170,294,333 | 808 |
| Average equity | $119,536,667 | 817 |
| Average total loans | $737,239,333 | 907 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9217% | 3,630 |
| Cost of funding earning assets | 2.2084% | 193 |
| Net interest margin | 1.7132% | 4,616 |
| Noninterest income to average assets | 2.5400% | 187 |
| Noninterest expense to average assets | 2.6676% | 1,754 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.0709% | 2,319 |
| Return on assets (ROA) | 1.0709% | 2,289 |
| Pretax return on assets | 1.4603% | 1,749 |
| Return on Equity (ROE) | 10.9300% | 2,514 |
| Retained earnings to average equity (ytd only) | 10.9343% | 1,479 |
| Net charge-offs to loans | -0.0027% | 3,488 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.6006% | 2,512 |
| Assets per employee ($millions) | 8.8739% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7107% | 792 |
| Loan loss allowance to noncurrent loans | 10,064.5161% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 3,759 |
| Noncurrent loans to loans | 0.0170% | 3,675 |
| Net loans and leases to total assets | 60.3000% | 2,619 |
| Net loans and leases to deposits | 108.1837% | 212 |
| Net loans and leases to core deposits | 213.1300% | 28 |
| Total domestic deposits to total assets | 55.7400% | 4,558 |
| Equity capital to assets | 10.1695% | 1,736 |
| Core capital (leverage) ratio | 11.7228% | 1,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4818% | 1,499 |
| Memoranda: | ||
| Average total assets | $1,214,255,500 | 859 |
| Average earning assets | $1,166,438,500 | 826 |
| Average equity | $118,928,500 | 828 |
| Average total loans | $729,299,000 | 928 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9306% | 4,212 |
| Cost of funding earning assets | 0.7518% | 466 |
| Net interest margin | 2.1787% | 4,489 |
| Noninterest income to average assets | 1.4500% | 357 |
| Noninterest expense to average assets | 2.6357% | 1,710 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6891% | 3,645 |
| Return on assets (ROA) | 0.5550% | 3,944 |
| Pretax return on assets | 0.7405% | 3,766 |
| Return on Equity (ROE) | 5.9100% | 3,842 |
| Retained earnings to average equity (ytd only) | 5.9113% | 2,676 |
| Net charge-offs to loans | 0.0474% | 1,212 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 34.3946% | 1,601 |
| Efficiency ratio | 74.2233% | 1,196 |
| Assets per employee ($millions) | 9.3189% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6357% | 908 |
| Loan loss allowance to noncurrent loans | 9,695.1220% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 3,791 |
| Noncurrent loans to loans | 0.0169% | 3,713 |
| Net loans and leases to total assets | 57.8600% | 2,833 |
| Net loans and leases to deposits | 99.0175% | 478 |
| Net loans and leases to core deposits | 182.3497% | 34 |
| Total domestic deposits to total assets | 58.4300% | 4,583 |
| Equity capital to assets | 9.4344% | 2,060 |
| Core capital (leverage) ratio | 11.2254% | 1,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7636% | 1,705 |
| Memoranda: | ||
| Average total assets | $1,254,417,200 | 820 |
| Average earning assets | $1,209,053,800 | 786 |
| Average equity | $117,774,200 | 829 |
| Average total loans | $699,779,600 | 908 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6764% | 4,307 |
| Cost of funding earning assets | 0.4099% | 1,223 |
| Net interest margin | 2.2664% | 4,428 |
| Noninterest income to average assets | 1.5400% | 350 |
| Noninterest expense to average assets | 2.5894% | 1,740 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8381% | 3,105 |
| Return on assets (ROA) | 0.8381% | 3,076 |
| Pretax return on assets | 1.1342% | 2,616 |
| Return on Equity (ROE) | 8.9400% | 3,047 |
| Retained earnings to average equity (ytd only) | 8.9376% | 1,669 |
| Net charge-offs to loans | 0.0607% | 879 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 33.9778% | 1,460 |
| Efficiency ratio | 69.4348% | 1,832 |
| Assets per employee ($millions) | 10.1350% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6651% | 931 |
| Loan loss allowance to noncurrent loans | 8,716.7883% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 3,876 |
| Noncurrent loans to loans | 0.0191% | 3,786 |
| Net loans and leases to total assets | 53.1200% | 3,177 |
| Net loans and leases to deposits | 104.4788% | 225 |
| Net loans and leases to core deposits | 146.2977% | 77 |
| Total domestic deposits to total assets | 50.8400% | 4,649 |
| Equity capital to assets | 8.5615% | 2,502 |
| Core capital (leverage) ratio | 11.5589% | 1,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3472% | 1,610 |
| Memoranda: | ||
| Average total assets | $1,258,168,500 | 820 |
| Average earning assets | $1,213,852,250 | 788 |
| Average equity | $117,985,000 | 843 |
| Average total loans | $692,460,250 | 912 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4771% | 4,397 |
| Cost of funding earning assets | 0.1423% | 3,675 |
| Net interest margin | 2.3348% | 4,299 |
| Noninterest income to average assets | 1.6902% | 284 |
| Noninterest expense to average assets | 2.7050% | 1,379 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9163% | 2,513 |
| Return on assets (ROA) | 0.9163% | 2,479 |
| Pretax return on assets | 1.2415% | 1,927 |
| Return on Equity (ROE) | 9.4755% | 2,532 |
| Retained earnings to average equity (ytd only) | 9.4755% | 1,144 |
| Net charge-offs to loans | 0.1745% | 367 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 12.8409% | 1,699 |
| Efficiency ratio | 68.4353% | 2,182 |
| Assets per employee ($millions) | 9.9536% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 1,006 |
| Loan loss allowance to noncurrent loans | 16,194.4444% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 3,993 |
| Noncurrent loans to loans | 0.0103% | 3,914 |
| Net loans and leases to total assets | 53.0216% | 3,058 |
| Net loans and leases to deposits | 105.0491% | 148 |
| Net loans and leases to core deposits | 114.1270% | 279 |
| Total domestic deposits to total assets | 50.4731% | 4,719 |
| Equity capital to assets | 9.0252% | 2,371 |
| Core capital (leverage) ratio | 11.5695% | 1,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5218% | 1,566 |
| Memoranda: | ||
| Average total assets | $1,234,994,667 | 829 |
| Average earning assets | $1,193,424,000 | 802 |
| Average equity | $119,423,333 | 846 |
| Average total loans | $684,212,000 | 910 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4080% | 4,373 |
| Cost of funding earning assets | 0.0549% | 4,563 |
| Net interest margin | 2.3531% | 4,145 |
| Noninterest income to average assets | 1.8634% | 267 |
| Noninterest expense to average assets | 2.6953% | 1,378 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0625% | 1,646 |
| Return on assets (ROA) | 1.0625% | 1,639 |
| Pretax return on assets | 1.4427% | 1,145 |
| Return on Equity (ROE) | 10.6076% | 1,757 |
| Retained earnings to average equity (ytd only) | 10.6076% | 870 |
| Net charge-offs to loans | -0.0006% | 2,983 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0229% | 2,904 |
| Assets per employee ($millions) | 8.9616% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8072% | 871 |
| Loan loss allowance to noncurrent loans | 14,768.6747% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 4,011 |
| Noncurrent loans to loans | 0.0122% | 3,928 |
| Net loans and leases to total assets | 58.5198% | 2,242 |
| Net loans and leases to deposits | 75.8528% | 1,459 |
| Net loans and leases to core deposits | 79.5603% | 1,513 |
| Total domestic deposits to total assets | 77.1491% | 4,451 |
| Equity capital to assets | 10.3625% | 1,649 |
| Core capital (leverage) ratio | 10.6276% | 1,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0928% | 1,484 |
| Memoranda: | ||
| Average total assets | $1,205,511,000 | 857 |
| Average earning assets | $1,165,263,000 | 823 |
| Average equity | $120,743,500 | 856 |
| Average total loans | $677,448,500 | 909 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1712% | 4,630 |
| Cost of funding earning assets | 0.1172% | 4,255 |
| Net interest margin | 2.0540% | 4,570 |
| Noninterest income to average assets | 1.8646% | 351 |
| Noninterest expense to average assets | 2.5152% | 2,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9936% | 2,701 |
| Return on assets (ROA) | 0.9936% | 2,767 |
| Pretax return on assets | 1.3467% | 2,215 |
| Return on Equity (ROE) | 10.8882% | 2,202 |
| Retained earnings to average equity (ytd only) | 10.8882% | 726 |
| Net charge-offs to loans | -0.0082% | 3,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9883% | 2,404 |
| Assets per employee ($millions) | 10.0228% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8115% | 845 |
| Loan loss allowance to noncurrent loans | 14,591.6667% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 4,102 |
| Noncurrent loans to loans | 0.0124% | 4,002 |
| Net loans and leases to total assets | 52.1922% | 3,039 |
| Net loans and leases to deposits | 67.7346% | 2,334 |
| Net loans and leases to core deposits | 71.4469% | 2,307 |
| Total domestic deposits to total assets | 77.0541% | 4,461 |
| Equity capital to assets | 9.7061% | 2,937 |
| Core capital (leverage) ratio | 9.8676% | 2,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6981% | 1,616 |
| Memoranda: | ||
| Average total assets | $1,296,980,000 | 769 |
| Average earning assets | $1,261,253,000 | 738 |
| Average equity | $118,357,800 | 878 |
| Average total loans | $655,479,400 | 930 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1369% | 4,733 |
| Cost of funding earning assets | 0.1386% | 4,203 |
| Net interest margin | 1.9983% | 4,679 |
| Noninterest income to average assets | 1.9137% | 374 |
| Noninterest expense to average assets | 2.4352% | 2,326 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0490% | 2,735 |
| Return on assets (ROA) | 1.0490% | 2,800 |
| Pretax return on assets | 1.4228% | 2,240 |
| Return on Equity (ROE) | 11.6769% | 2,150 |
| Retained earnings to average equity (ytd only) | 11.6769% | 904 |
| Net charge-offs to loans | -0.0045% | 3,400 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9748% | 2,536 |
| Assets per employee ($millions) | 9.8170% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8435% | 858 |
| Loan loss allowance to noncurrent loans | 14,908.5366% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 4,210 |
| Noncurrent loans to loans | 0.0124% | 4,112 |
| Net loans and leases to total assets | 53.0454% | 3,078 |
| Net loans and leases to deposits | 71.2351% | 2,127 |
| Net loans and leases to core deposits | 73.7059% | 2,267 |
| Total domestic deposits to total assets | 74.4653% | 4,619 |
| Equity capital to assets | 9.9557% | 2,942 |
| Core capital (leverage) ratio | 9.9987% | 2,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5958% | 1,766 |
| Memoranda: | ||
| Average total assets | $1,303,001,500 | 775 |
| Average earning assets | $1,267,844,500 | 741 |
| Average equity | $117,060,250 | 897 |
| Average total loans | $650,197,000 | 949 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0945% | 4,787 |
| Cost of funding earning assets | 0.1686% | 4,053 |
| Net interest margin | 1.9259% | 4,744 |
| Noninterest income to average assets | 1.8660% | 368 |
| Noninterest expense to average assets | 2.3448% | 2,631 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0297% | 2,792 |
| Return on assets (ROA) | 1.0297% | 2,870 |
| Pretax return on assets | 1.3961% | 2,355 |
| Return on Equity (ROE) | 11.8570% | 2,119 |
| Retained earnings to average equity (ytd only) | 11.8570% | 950 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5277% | 2,659 |
| Assets per employee ($millions) | 8.7326% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8905% | 751 |
| Loan loss allowance to noncurrent loans | 12,981.9149% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 4,258 |
| Noncurrent loans to loans | 0.0146% | 4,164 |
| Net loans and leases to total assets | 57.5547% | 2,723 |
| Net loans and leases to deposits | 66.8844% | 2,735 |
| Net loans and leases to core deposits | 70.6749% | 2,717 |
| Total domestic deposits to total assets | 86.0509% | 2,723 |
| Equity capital to assets | 10.7606% | 2,176 |
| Core capital (leverage) ratio | 10.2458% | 2,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3888% | 1,838 |
| Memoranda: | ||
| Average total assets | $1,328,295,000 | 754 |
| Average earning assets | $1,293,129,333 | 725 |
| Average equity | $115,357,667 | 901 |
| Average total loans | $645,877,333 | 956 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9484% | 4,846 |
| Cost of funding earning assets | 0.1850% | 4,046 |
| Net interest margin | 1.7635% | 4,821 |
| Noninterest income to average assets | 1.6990% | 492 |
| Noninterest expense to average assets | 2.1402% | 3,301 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9446% | 2,988 |
| Return on assets (ROA) | 0.9446% | 3,077 |
| Pretax return on assets | 1.2802% | 2,625 |
| Return on Equity (ROE) | 11.9680% | 2,029 |
| Retained earnings to average equity (ytd only) | 11.9680% | 1,156 |
| Net charge-offs to loans | 0.0074% | 1,634 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 384.6667% | 238 |
| Efficiency ratio | 62.4098% | 2,682 |
| Assets per employee ($millions) | 12.7297% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9095% | 729 |
| Loan loss allowance to noncurrent loans | 11,610.4762% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 4,340 |
| Noncurrent loans to loans | 0.0164% | 4,215 |
| Net loans and leases to total assets | 40.6582% | 4,308 |
| Net loans and leases to deposits | 62.3078% | 3,293 |
| Net loans and leases to core deposits | 67.7696% | 3,082 |
| Total domestic deposits to total assets | 65.2537% | 4,848 |
| Equity capital to assets | 7.4391% | 4,730 |
| Core capital (leverage) ratio | 8.6055% | 4,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3409% | 1,799 |
| Memoranda: | ||
| Average total assets | $1,442,287,500 | 707 |
| Average earning assets | $1,407,899,500 | 669 |
| Average equity | $113,836,500 | 901 |
| Average total loans | $646,074,500 | 952 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9411% | 4,678 |
| Cost of funding earning assets | 0.5400% | 2,676 |
| Net interest margin | 2.4010% | 4,655 |
| Noninterest income to average assets | 1.8456% | 374 |
| Noninterest expense to average assets | 2.8747% | 1,751 |
| Loan and lease loss provision to assets | 0.3354% | 1,051 |
| Net operating income to assets | 0.7164% | 3,375 |
| Return on assets (ROA) | 0.7164% | 3,508 |
| Pretax return on assets | 0.9547% | 3,202 |
| Return on Equity (ROE) | 6.8238% | 3,274 |
| Retained earnings to average equity (ytd only) | 5.9072% | 1,837 |
| Net charge-offs to loans | 0.0666% | 1,828 |
| Credit loss provision to net charge-offs | 824.1135% | 880 |
| Earnings coverage of net charge-offs (x) | 31.6974% | 1,562 |
| Efficiency ratio | 68.8076% | 2,124 |
| Assets per employee ($millions) | 10.9292% | 408 |
| Cash dividends to net income (ytd only)* | 13.4318% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8667% | 774 |
| Loan loss allowance to noncurrent loans | 14,702.4096% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 4,419 |
| Noncurrent loans to loans | 0.0127% | 4,323 |
| Net loans and leases to total assets | 47.7206% | 3,993 |
| Net loans and leases to deposits | 63.4217% | 3,482 |
| Net loans and leases to core deposits | 71.2973% | 3,152 |
| Total domestic deposits to total assets | 75.2434% | 4,563 |
| Equity capital to assets | 8.4126% | 4,506 |
| Core capital (leverage) ratio | 8.2774% | 4,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6944% | 1,975 |
| Memoranda: | ||
| Average total assets | $1,039,239,200 | 848 |
| Average earning assets | $1,003,853,600 | 809 |
| Average equity | $109,103,400 | 894 |
| Average total loans | $635,435,600 | 932 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2004% | 4,592 |
| Cost of funding earning assets | 0.6462% | 2,343 |
| Net interest margin | 2.5542% | 4,614 |
| Noninterest income to average assets | 1.8758% | 346 |
| Noninterest expense to average assets | 3.0312% | 1,373 |
| Loan and lease loss provision to assets | 0.3165% | 1,254 |
| Net operating income to assets | 0.7412% | 3,313 |
| Return on assets (ROA) | 0.7412% | 3,415 |
| Pretax return on assets | 0.9875% | 3,116 |
| Return on Equity (ROE) | 6.6019% | 3,340 |
| Retained earnings to average equity (ytd only) | 5.3686% | 2,395 |
| Net charge-offs to loans | 0.0385% | 2,079 |
| Credit loss provision to net charge-offs | 1,256.0440% | 708 |
| Earnings coverage of net charge-offs (x) | 51.7473% | 1,173 |
| Efficiency ratio | 69.6912% | 1,924 |
| Assets per employee ($millions) | 8.2965% | 910 |
| Cash dividends to net income (ytd only)* | 18.6811% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7734% | 770 |
| Loan loss allowance to noncurrent loans | 11,835.7895% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 4,460 |
| Noncurrent loans to loans | 0.0150% | 4,381 |
| Net loans and leases to total assets | 60.5381% | 3,160 |
| Net loans and leases to deposits | 73.0742% | 3,025 |
| Net loans and leases to core deposits | 88.2424% | 2,124 |
| Total domestic deposits to total assets | 82.8447% | 3,183 |
| Equity capital to assets | 10.7612% | 2,578 |
| Core capital (leverage) ratio | 9.8159% | 2,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9406% | 1,849 |
| Memoranda: | ||
| Average total assets | $962,977,250 | 903 |
| Average earning assets | $927,227,750 | 865 |
| Average equity | $108,107,000 | 896 |
| Average total loans | $630,868,250 | 934 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3543% | 4,586 |
| Cost of funding earning assets | 0.7326% | 2,219 |
| Net interest margin | 2.6217% | 4,632 |
| Noninterest income to average assets | 1.8622% | 320 |
| Noninterest expense to average assets | 3.0793% | 1,405 |
| Loan and lease loss provision to assets | 0.1373% | 2,648 |
| Net operating income to assets | 0.8690% | 2,811 |
| Return on assets (ROA) | 0.8690% | 2,931 |
| Pretax return on assets | 1.1661% | 2,475 |
| Return on Equity (ROE) | 7.6259% | 2,890 |
| Retained earnings to average equity (ytd only) | 5.7609% | 2,172 |
| Net charge-offs to loans | 0.0610% | 1,638 |
| Credit loss provision to net charge-offs | 336.4583% | 1,540 |
| Earnings coverage of net charge-offs (x) | 31.9427% | 1,385 |
| Efficiency ratio | 70.0223% | 1,954 |
| Assets per employee ($millions) | 8.5906% | 785 |
| Cash dividends to net income (ytd only)* | 24.4559% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5353% | 1,162 |
| Loan loss allowance to noncurrent loans | 3,451.0791% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 4,246 |
| Noncurrent loans to loans | 0.0445% | 4,304 |
| Net loans and leases to total assets | 59.1923% | 3,407 |
| Net loans and leases to deposits | 68.7073% | 3,507 |
| Net loans and leases to core deposits | 86.0170% | 2,439 |
| Total domestic deposits to total assets | 86.1514% | 1,948 |
| Equity capital to assets | 10.5105% | 2,737 |
| Core capital (leverage) ratio | 10.9254% | 2,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1503% | 1,743 |
| Memoranda: | ||
| Average total assets | $941,048,333 | 901 |
| Average earning assets | $904,750,667 | 871 |
| Average equity | $107,240,333 | 897 |
| Average total loans | $629,811,667 | 928 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6880% | 4,418 |
| Cost of funding earning assets | 0.8909% | 1,915 |
| Net interest margin | 2.7971% | 4,567 |
| Noninterest income to average assets | 1.8793% | 293 |
| Noninterest expense to average assets | 3.3221% | 1,181 |
| Loan and lease loss provision to assets | 0.2669% | 1,167 |
| Net operating income to assets | 0.7284% | 3,173 |
| Return on assets (ROA) | 0.7284% | 3,256 |
| Pretax return on assets | 0.9701% | 2,934 |
| Return on Equity (ROE) | 6.1148% | 3,278 |
| Retained earnings to average equity (ytd only) | 2.3495% | 3,319 |
| Net charge-offs to loans | 0.0778% | 1,247 |
| Credit loss provision to net charge-offs | 483.7398% | 904 |
| Earnings coverage of net charge-offs (x) | 22.4228% | 1,358 |
| Efficiency ratio | 72.6217% | 1,982 |
| Assets per employee ($millions) | 8.1615% | 696 |
| Cash dividends to net income (ytd only)* | 61.5764% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 1,357 |
| Loan loss allowance to noncurrent loans | 3,971.9008% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 4,224 |
| Noncurrent loans to loans | 0.0377% | 4,407 |
| Net loans and leases to total assets | 63.5365% | 3,122 |
| Net loans and leases to deposits | 85.6397% | 2,045 |
| Net loans and leases to core deposits | 120.6621% | 450 |
| Total domestic deposits to total assets | 74.1905% | 4,646 |
| Equity capital to assets | 10.7092% | 3,127 |
| Core capital (leverage) ratio | 12.1158% | 1,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6972% | 2,005 |
| Memoranda: | ||
| Average total assets | $891,839,000 | 917 |
| Average earning assets | $854,443,500 | 884 |
| Average equity | $106,234,000 | 903 |
| Average total loans | $632,278,500 | 900 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 4,040 |
| Cost of funding earning assets | 1.1477% | 1,163 |
| Net interest margin | 2.9513% | 4,574 |
| Noninterest income to average assets | 1.9085% | 282 |
| Noninterest expense to average assets | 3.8353% | 638 |
| Loan and lease loss provision to assets | 0.1634% | 1,279 |
| Net operating income to assets | 0.5562% | 4,276 |
| Return on assets (ROA) | 0.5562% | 4,331 |
| Pretax return on assets | 0.7416% | 4,106 |
| Return on Equity (ROE) | 4.5338% | 4,340 |
| Retained earnings to average equity (ytd only) | 4.5338% | 2,691 |
| Net charge-offs to loans | 0.0226% | 2,958 |
| Credit loss provision to net charge-offs | 956.9444% | 363 |
| Earnings coverage of net charge-offs (x) | 53.0069% | 1,078 |
| Efficiency ratio | 80.6178% | 896 |
| Assets per employee ($millions) | 6.5122% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 1,313 |
| Loan loss allowance to noncurrent loans | 532.6340% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 3,288 |
| Noncurrent loans to loans | 0.2757% | 3,454 |
| Net loans and leases to total assets | 77.8158% | 1,106 |
| Net loans and leases to deposits | 96.1103% | 932 |
| Net loans and leases to core deposits | 160.9368% | 79 |
| Total domestic deposits to total assets | 80.9652% | 3,775 |
| Equity capital to assets | 13.4314% | 1,311 |
| Core capital (leverage) ratio | 12.7225% | 1,362 |
| Tier 1 risk-based capital ratio | 13.9565% | 3,293 |
| Total risk-based capital ratio | 15.1705% | 3,214 |
| Memoranda: | ||
| Average total assets | $843,406,600 | 935 |
| Average earning assets | $809,278,800 | 897 |
| Average equity | $103,467,200 | 877 |
| Average total loans | $636,928,200 | 871 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0732% | 4,216 |
| Cost of funding earning assets | 1.1465% | 1,188 |
| Net interest margin | 2.9267% | 4,732 |
| Noninterest income to average assets | 1.8426% | 303 |
| Noninterest expense to average assets | 3.7822% | 675 |
| Loan and lease loss provision to assets | 0.1212% | 1,615 |
| Net operating income to assets | 0.5635% | 4,379 |
| Return on assets (ROA) | 0.5635% | 4,426 |
| Pretax return on assets | 0.7534% | 4,233 |
| Return on Equity (ROE) | 4.6956% | 4,424 |
| Retained earnings to average equity (ytd only) | 4.6956% | 3,060 |
| Net charge-offs to loans | 0.0100% | 3,016 |
| Credit loss provision to net charge-offs | 1,622.9167% | 234 |
| Earnings coverage of net charge-offs (x) | 117.1430% | 664 |
| Efficiency ratio | 80.9225% | 839 |
| Assets per employee ($millions) | 6.7284% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 1,672 |
| Loan loss allowance to noncurrent loans | 332.1923% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.4143% | 2,857 |
| Noncurrent loans to loans | 0.4135% | 3,066 |
| Net loans and leases to total assets | 74.3206% | 1,749 |
| Net loans and leases to deposits | 95.6197% | 1,061 |
| Net loans and leases to core deposits | 171.3394% | 68 |
| Total domestic deposits to total assets | 77.7251% | 4,403 |
| Equity capital to assets | 12.5582% | 1,870 |
| Core capital (leverage) ratio | 13.0333% | 1,327 |
| Tier 1 risk-based capital ratio | 13.9113% | 3,372 |
| Total risk-based capital ratio | 15.0665% | 3,329 |
| Memoranda: | ||
| Average total assets | $857,264,000 | 915 |
| Average earning assets | $824,293,000 | 873 |
| Average equity | $102,875,000 | 881 |
| Average total loans | $640,582,500 | 864 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0838% | 4,201 |
| Cost of funding earning assets | 1.1580% | 1,114 |
| Net interest margin | 2.9258% | 4,789 |
| Noninterest income to average assets | 1.7898% | 310 |
| Noninterest expense to average assets | 3.7604% | 695 |
| Loan and lease loss provision to assets | 0.1801% | 992 |
| Net operating income to assets | 0.4976% | 4,528 |
| Return on assets (ROA) | 0.4976% | 4,565 |
| Pretax return on assets | 0.6664% | 4,410 |
| Return on Equity (ROE) | 4.2096% | 4,538 |
| Retained earnings to average equity (ytd only) | 4.2096% | 3,142 |
| Net charge-offs to loans | 0.0059% | 2,939 |
| Credit loss provision to net charge-offs | 4,100.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 192.6842% | 402 |
| Efficiency ratio | 81.3181% | 848 |
| Assets per employee ($millions) | 6.8460% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 1,774 |
| Loan loss allowance to noncurrent loans | 322.3958% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.4258% | 2,810 |
| Noncurrent loans to loans | 0.4217% | 3,018 |
| Net loans and leases to total assets | 75.2805% | 1,672 |
| Net loans and leases to deposits | 103.0506% | 468 |
| Net loans and leases to core deposits | 168.8868% | 73 |
| Total domestic deposits to total assets | 73.0520% | 4,904 |
| Equity capital to assets | 12.3693% | 1,928 |
| Core capital (leverage) ratio | 12.1610% | 1,717 |
| Tier 1 risk-based capital ratio | 13.6122% | 3,522 |
| Total risk-based capital ratio | 14.7629% | 3,475 |
| Memoranda: | ||
| Average total assets | $864,911,670 | 906 |
| Average earning assets | $832,807,000 | 864 |
| Average equity | $102,241,330 | 879 |
| Average total loans | $644,540,330 | 861 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9466% | 4,477 |
| Cost of funding earning assets | 1.0867% | 1,233 |
| Net interest margin | 2.8599% | 4,925 |
| Noninterest income to average assets | 1.7259% | 305 |
| Noninterest expense to average assets | 3.6164% | 830 |
| Loan and lease loss provision to assets | 0.0241% | 3,116 |
| Net operating income to assets | 0.6274% | 4,153 |
| Return on assets (ROA) | 0.6274% | 4,195 |
| Pretax return on assets | 0.8448% | 3,932 |
| Return on Equity (ROE) | 5.4274% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.4274% | 2,720 |
| Net charge-offs to loans | 0.0105% | 2,313 |
| Credit loss provision to net charge-offs | 311.7647% | 800 |
| Earnings coverage of net charge-offs (x) | 112.4118% | 616 |
| Efficiency ratio | 80.3142% | 1,030 |
| Assets per employee ($millions) | 6.6636% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,439 |
| Loan loss allowance to noncurrent loans | 302.4372% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.4132% | 2,935 |
| Noncurrent loans to loans | 0.4058% | 3,131 |
| Net loans and leases to total assets | 75.5215% | 1,557 |
| Net loans and leases to deposits | 87.2388% | 1,965 |
| Net loans and leases to core deposits | 160.0019% | 87 |
| Total domestic deposits to total assets | 86.5687% | 2,027 |
| Equity capital to assets | 12.1077% | 1,959 |
| Core capital (leverage) ratio | 11.8671% | 1,856 |
| Tier 1 risk-based capital ratio | 13.4863% | 3,610 |
| Total risk-based capital ratio | 14.5393% | 3,632 |
| Memoranda: | ||
| Average total assets | $879,761,500 | 894 |
| Average earning assets | $848,838,500 | 855 |
| Average equity | $101,707,000 | 875 |
| Average total loans | $648,101,500 | 863 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8570% | 4,374 |
| Cost of funding earning assets | 0.8365% | 1,356 |
| Net interest margin | 3.0206% | 4,778 |
| Noninterest income to average assets | 1.7162% | 328 |
| Noninterest expense to average assets | 3.6133% | 856 |
| Loan and lease loss provision to assets | 0.2404% | 731 |
| Net operating income to assets | 0.5747% | 4,492 |
| Return on assets (ROA) | 0.5747% | 4,494 |
| Pretax return on assets | 0.7765% | 4,230 |
| Return on Equity (ROE) | 5.1954% | 4,413 |
| Retained earnings to average equity (ytd only) | 5.1954% | 2,665 |
| Net charge-offs to loans | 0.1847% | 1,040 |
| Credit loss provision to net charge-offs | 180.6780% | 1,567 |
| Earnings coverage of net charge-offs (x) | 7.6432% | 2,970 |
| Efficiency ratio | 77.6993% | 1,162 |
| Assets per employee ($millions) | 7.1909% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 2,480 |
| Loan loss allowance to noncurrent loans | 4,543.1034% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 4,255 |
| Noncurrent loans to loans | 0.0268% | 4,653 |
| Net loans and leases to total assets | 70.2149% | 2,535 |
| Net loans and leases to deposits | 89.9207% | 1,811 |
| Net loans and leases to core deposits | 177.6289% | 56 |
| Total domestic deposits to total assets | 78.0854% | 4,478 |
| Equity capital to assets | 11.0539% | 2,631 |
| Core capital (leverage) ratio | 11.3252% | 2,243 |
| Tier 1 risk-based capital ratio | 12.9748% | 3,856 |
| Total risk-based capital ratio | 13.9974% | 3,872 |
| Memoranda: | ||
| Average total assets | $886,916,200 | 863 |
| Average earning assets | $855,635,000 | 822 |
| Average equity | $98,106,200 | 865 |
| Average total loans | $638,735,600 | 848 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8134% | 4,411 |
| Cost of funding earning assets | 0.7561% | 1,560 |
| Net interest margin | 3.0572% | 4,772 |
| Noninterest income to average assets | 1.7098% | 351 |
| Noninterest expense to average assets | 3.6667% | 789 |
| Loan and lease loss provision to assets | 0.3015% | 488 |
| Net operating income to assets | 0.5133% | 4,728 |
| Return on assets (ROA) | 0.5133% | 4,729 |
| Pretax return on assets | 0.6914% | 4,554 |
| Return on Equity (ROE) | 4.6394% | 4,665 |
| Retained earnings to average equity (ytd only) | 4.6394% | 3,429 |
| Net charge-offs to loans | 0.2190% | 776 |
| Credit loss provision to net charge-offs | 190.5263% | 1,438 |
| Earnings coverage of net charge-offs (x) | 6.2737% | 2,896 |
| Efficiency ratio | 78.3462% | 1,085 |
| Assets per employee ($millions) | 7.0715% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 2,655 |
| Loan loss allowance to noncurrent loans | 2,316.7155% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 4,297 |
| Noncurrent loans to loans | 0.0515% | 4,664 |
| Net loans and leases to total assets | 71.0994% | 2,480 |
| Net loans and leases to deposits | 90.1006% | 1,884 |
| Net loans and leases to core deposits | 171.7218% | 66 |
| Total domestic deposits to total assets | 78.9111% | 4,333 |
| Equity capital to assets | 10.7802% | 2,866 |
| Core capital (leverage) ratio | 10.9799% | 2,602 |
| Tier 1 risk-based capital ratio | 12.5073% | 4,196 |
| Total risk-based capital ratio | 13.5094% | 4,229 |
| Memoranda: | ||
| Average total assets | $880,333,750 | 863 |
| Average earning assets | $849,414,000 | 827 |
| Average equity | $97,395,500 | 865 |
| Average total loans | $636,134,500 | 855 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7541% | 4,462 |
| Cost of funding earning assets | 0.6751% | 1,771 |
| Net interest margin | 3.0791% | 4,770 |
| Noninterest income to average assets | 1.7670% | 333 |
| Noninterest expense to average assets | 3.6878% | 773 |
| Loan and lease loss provision to assets | 0.3498% | 374 |
| Net operating income to assets | 0.5188% | 4,706 |
| Return on assets (ROA) | 0.5188% | 4,708 |
| Pretax return on assets | 0.6985% | 4,516 |
| Return on Equity (ROE) | 4.6475% | 4,649 |
| Retained earnings to average equity (ytd only) | 4.6475% | 3,262 |
| Net charge-offs to loans | 0.1596% | 966 |
| Credit loss provision to net charge-offs | 302.7944% | 992 |
| Earnings coverage of net charge-offs (x) | 9.0739% | 2,419 |
| Efficiency ratio | 77.5159% | 1,246 |
| Assets per employee ($millions) | 6.8636% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 2,540 |
| Loan loss allowance to noncurrent loans | 711.6071% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 4,012 |
| Noncurrent loans to loans | 0.1732% | 4,131 |
| Net loans and leases to total assets | 70.4933% | 2,505 |
| Net loans and leases to deposits | 100.0904% | 799 |
| Net loans and leases to core deposits | 161.5626% | 73 |
| Total domestic deposits to total assets | 70.4296% | 5,262 |
| Equity capital to assets | 10.8065% | 2,831 |
| Core capital (leverage) ratio | 10.9641% | 2,560 |
| Tier 1 risk-based capital ratio | 12.4917% | 4,185 |
| Total risk-based capital ratio | 13.5136% | 4,208 |
| Memoranda: | ||
| Average total assets | $867,345,330 | 879 |
| Average earning assets | $836,358,000 | 843 |
| Average equity | $96,826,670 | 874 |
| Average total loans | $627,674,000 | 862 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7345% | 4,395 |
| Cost of funding earning assets | 0.6105% | 1,984 |
| Net interest margin | 3.1240% | 4,657 |
| Noninterest income to average assets | 1.8976% | 289 |
| Noninterest expense to average assets | 3.7570% | 707 |
| Loan and lease loss provision to assets | 0.3189% | 394 |
| Net operating income to assets | 0.6170% | 4,372 |
| Return on assets (ROA) | 0.6170% | 4,382 |
| Pretax return on assets | 0.8316% | 4,080 |
| Return on Equity (ROE) | 5.4338% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.4338% | 2,983 |
| Net charge-offs to loans | 0.0084% | 2,433 |
| Credit loss provision to net charge-offs | 5,200.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 187.6154% | 352 |
| Efficiency ratio | 76.2015% | 1,565 |
| Assets per employee ($millions) | 6.4722% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 2,641 |
| Loan loss allowance to noncurrent loans | 664.6597% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.2347% | 3,934 |
| Noncurrent loans to loans | 0.1848% | 4,132 |
| Net loans and leases to total assets | 75.6906% | 1,586 |
| Net loans and leases to deposits | 87.9508% | 1,935 |
| Net loans and leases to core deposits | 137.4202% | 241 |
| Total domestic deposits to total assets | 86.0602% | 2,521 |
| Equity capital to assets | 11.9776% | 1,808 |
| Core capital (leverage) ratio | 11.0151% | 2,421 |
| Tier 1 risk-based capital ratio | 12.9228% | 3,993 |
| Total risk-based capital ratio | 13.9433% | 4,019 |
| Memoranda: | ||
| Average total assets | $848,017,500 | 898 |
| Average earning assets | $817,030,000 | 868 |
| Average equity | $96,286,500 | 882 |
| Average total loans | $618,191,000 | 874 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3999% | 4,940 |
| Cost of funding earning assets | 0.4890% | 2,434 |
| Net interest margin | 2.9109% | 5,030 |
| Noninterest income to average assets | 1.7963% | 345 |
| Noninterest expense to average assets | 3.6649% | 833 |
| Loan and lease loss provision to assets | 0.0658% | 2,893 |
| Net operating income to assets | 0.3840% | 4,743 |
| Return on assets (ROA) | 0.3829% | 4,761 |
| Pretax return on assets | 0.8670% | 4,024 |
| Return on Equity (ROE) | 3.5550% | 4,664 |
| Retained earnings to average equity (ytd only) | 3.5550% | 3,146 |
| Net charge-offs to loans | 0.0451% | 2,882 |
| Credit loss provision to net charge-offs | 222.7799% | 1,235 |
| Earnings coverage of net charge-offs (x) | 31.6602% | 1,492 |
| Efficiency ratio | 79.2845% | 1,181 |
| Assets per employee ($millions) | 6.9843% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 3,197 |
| Loan loss allowance to noncurrent loans | 2,272.5490% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 4,498 |
| Noncurrent loans to loans | 0.0496% | 4,768 |
| Net loans and leases to total assets | 68.7089% | 2,724 |
| Net loans and leases to deposits | 89.5074% | 1,836 |
| Net loans and leases to core deposits | 145.8514% | 153 |
| Total domestic deposits to total assets | 76.7634% | 4,889 |
| Equity capital to assets | 10.7858% | 2,855 |
| Core capital (leverage) ratio | 10.7254% | 2,617 |
| Tier 1 risk-based capital ratio | 12.6269% | 4,131 |
| Total risk-based capital ratio | 13.5443% | 4,242 |
| Memoranda: | ||
| Average total assets | $877,540,800 | 851 |
| Average earning assets | $845,035,200 | 813 |
| Average equity | $94,514,200 | 867 |
| Average total loans | $574,135,200 | 896 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2867% | 5,127 |
| Cost of funding earning assets | 0.4811% | 2,424 |
| Net interest margin | 2.8057% | 5,205 |
| Noninterest income to average assets | 1.7983% | 364 |
| Noninterest expense to average assets | 3.6997% | 766 |
| Loan and lease loss provision to assets | 0.0157% | 3,832 |
| Net operating income to assets | 0.5031% | 4,723 |
| Return on assets (ROA) | 0.5032% | 4,755 |
| Pretax return on assets | 0.7850% | 4,390 |
| Return on Equity (ROE) | 4.6738% | 4,644 |
| Retained earnings to average equity (ytd only) | 4.6738% | 3,095 |
| Net charge-offs to loans | 0.0293% | 2,840 |
| Credit loss provision to net charge-offs | 83.0645% | 2,540 |
| Earnings coverage of net charge-offs (x) | 42.3788% | 1,245 |
| Efficiency ratio | 81.7942% | 931 |
| Assets per employee ($millions) | 7.0750% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 3,399 |
| Loan loss allowance to noncurrent loans | 911.1570% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 4,381 |
| Noncurrent loans to loans | 0.1226% | 4,570 |
| Net loans and leases to total assets | 66.2120% | 3,074 |
| Net loans and leases to deposits | 87.1702% | 2,161 |
| Net loans and leases to core deposits | 132.1557% | 307 |
| Total domestic deposits to total assets | 75.9571% | 5,020 |
| Equity capital to assets | 10.8368% | 3,025 |
| Core capital (leverage) ratio | 10.6233% | 2,854 |
| Tier 1 risk-based capital ratio | 13.1624% | 3,899 |
| Total risk-based capital ratio | 14.0720% | 4,032 |
| Memoranda: | ||
| Average total assets | $875,174,250 | 861 |
| Average earning assets | $842,842,000 | 820 |
| Average equity | $94,225,000 | 876 |
| Average total loans | $563,567,250 | 909 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2012% | 5,238 |
| Cost of funding earning assets | 0.4628% | 2,473 |
| Net interest margin | 2.7383% | 5,321 |
| Noninterest income to average assets | 1.7977% | 377 |
| Noninterest expense to average assets | 3.6289% | 839 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5181% | 4,661 |
| Return on assets (ROA) | 0.5183% | 4,691 |
| Pretax return on assets | 0.8068% | 4,244 |
| Return on Equity (ROE) | 4.8246% | 4,549 |
| Retained earnings to average equity (ytd only) | 4.8246% | 2,830 |
| Net charge-offs to loans | 0.0430% | 2,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 29.5546% | 1,476 |
| Efficiency ratio | 81.3815% | 1,063 |
| Assets per employee ($millions) | 6.9873% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 3,434 |
| Loan loss allowance to noncurrent loans | 2,627.8226% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 4,646 |
| Noncurrent loans to loans | 0.0429% | 4,980 |
| Net loans and leases to total assets | 65.4813% | 3,183 |
| Net loans and leases to deposits | 83.9682% | 2,482 |
| Net loans and leases to core deposits | 124.6486% | 419 |
| Total domestic deposits to total assets | 77.9835% | 4,816 |
| Equity capital to assets | 10.8535% | 2,960 |
| Core capital (leverage) ratio | 10.4068% | 3,018 |
| Tier 1 risk-based capital ratio | 13.2675% | 3,827 |
| Total risk-based capital ratio | 14.1810% | 3,965 |
| Memoranda: | ||
| Average total assets | $872,105,330 | 867 |
| Average earning assets | $840,072,000 | 834 |
| Average equity | $93,687,000 | 879 |
| Average total loans | $554,029,330 | 931 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1216% | 5,341 |
| Cost of funding earning assets | 0.4325% | 2,694 |
| Net interest margin | 2.6891% | 5,405 |
| Noninterest income to average assets | 1.8810% | 336 |
| Noninterest expense to average assets | 3.6339% | 851 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5412% | 4,417 |
| Return on assets (ROA) | 0.5412% | 4,460 |
| Pretax return on assets | 0.8381% | 3,981 |
| Return on Equity (ROE) | 5.0637% | 4,361 |
| Retained earnings to average equity (ytd only) | 5.0637% | 2,853 |
| Net charge-offs to loans | 0.0317% | 2,133 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 42.4651% | 990 |
| Efficiency ratio | 81.2583% | 1,226 |
| Assets per employee ($millions) | 7.0677% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 3,059 |
| Loan loss allowance to noncurrent loans | 360.0765% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.3250% | 3,895 |
| Noncurrent loans to loans | 0.3368% | 3,895 |
| Net loans and leases to total assets | 61.7846% | 3,568 |
| Net loans and leases to deposits | 74.4220% | 3,362 |
| Net loans and leases to core deposits | 111.1222% | 822 |
| Total domestic deposits to total assets | 83.0193% | 3,826 |
| Equity capital to assets | 10.7818% | 2,877 |
| Core capital (leverage) ratio | 10.0688% | 3,415 |
| Tier 1 risk-based capital ratio | 14.0118% | 3,469 |
| Total risk-based capital ratio | 14.9995% | 3,538 |
| Memoranda: | ||
| Average total assets | $871,454,000 | 870 |
| Average earning assets | $839,701,000 | 832 |
| Average equity | $93,133,000 | 879 |
| Average total loans | $541,826,000 | 945 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0000% | 5,504 |
| Cost of funding earning assets | 0.3760% | 3,246 |
| Net interest margin | 2.6240% | 5,490 |
| Noninterest income to average assets | 1.8422% | 382 |
| Noninterest expense to average assets | 3.6172% | 988 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4827% | 4,699 |
| Return on assets (ROA) | 0.4827% | 4,773 |
| Pretax return on assets | 0.7569% | 4,312 |
| Return on Equity (ROE) | 4.7832% | 4,524 |
| Retained earnings to average equity (ytd only) | 4.7832% | 2,489 |
| Net charge-offs to loans | 0.0029% | 4,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 453.4286% | 182 |
| Efficiency ratio | 82.4937% | 1,145 |
| Assets per employee ($millions) | 7.0470% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 2,946 |
| Loan loss allowance to noncurrent loans | 357.3506% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3263% | 3,975 |
| Noncurrent loans to loans | 0.3439% | 3,903 |
| Net loans and leases to total assets | 61.0325% | 3,723 |
| Net loans and leases to deposits | 74.1092% | 3,503 |
| Net loans and leases to core deposits | 115.1194% | 653 |
| Total domestic deposits to total assets | 82.3548% | 3,976 |
| Equity capital to assets | 10.5971% | 3,045 |
| Core capital (leverage) ratio | 9.6218% | 3,939 |
| Tier 1 risk-based capital ratio | 13.4968% | 3,771 |
| Total risk-based capital ratio | 14.4672% | 3,860 |
| Memoranda: | ||
| Average total assets | $838,651,800 | 865 |
| Average earning assets | $809,226,200 | 825 |
| Average equity | $84,630,400 | 940 |
| Average total loans | $487,291,800 | 996 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9324% | 5,627 |
| Cost of funding earning assets | 0.3680% | 3,352 |
| Net interest margin | 2.5644% | 5,615 |
| Noninterest income to average assets | 1.8554% | 388 |
| Noninterest expense to average assets | 3.4609% | 1,221 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5501% | 4,497 |
| Return on assets (ROA) | 0.5501% | 4,600 |
| Pretax return on assets | 0.8710% | 4,075 |
| Return on Equity (ROE) | 5.5244% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.5244% | 2,470 |
| Net charge-offs to loans | -0.0034% | 4,549 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8939% | 1,443 |
| Assets per employee ($millions) | 7.4472% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 2,156 |
| Loan loss allowance to noncurrent loans | 411.2353% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 4,213 |
| Noncurrent loans to loans | 0.3429% | 4,025 |
| Net loans and leases to total assets | 55.7009% | 4,338 |
| Net loans and leases to deposits | 69.5487% | 4,022 |
| Net loans and leases to core deposits | 105.1623% | 1,265 |
| Total domestic deposits to total assets | 80.0891% | 4,496 |
| Equity capital to assets | 9.9385% | 4,195 |
| Core capital (leverage) ratio | 10.0914% | 3,453 |
| Tier 1 risk-based capital ratio | 14.1503% | 3,480 |
| Total risk-based capital ratio | 15.2924% | 3,462 |
| Memoranda: | ||
| Average total assets | $829,859,250 | 872 |
| Average earning assets | $801,414,000 | 833 |
| Average equity | $82,638,000 | 969 |
| Average total loans | $474,127,000 | 1,019 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9528% | 5,688 |
| Cost of funding earning assets | 0.3776% | 3,274 |
| Net interest margin | 2.5752% | 5,690 |
| Noninterest income to average assets | 1.8408% | 392 |
| Noninterest expense to average assets | 3.4387% | 1,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5677% | 4,409 |
| Return on assets (ROA) | 0.5677% | 4,534 |
| Pretax return on assets | 0.8870% | 3,999 |
| Return on Equity (ROE) | 5.6966% | 4,195 |
| Retained earnings to average equity (ytd only) | 5.6966% | 2,303 |
| Net charge-offs to loans | 0.0074% | 3,433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 208.3529% | 313 |
| Efficiency ratio | 79.4952% | 1,564 |
| Assets per employee ($millions) | 7.1894% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 2,237 |
| Loan loss allowance to noncurrent loans | 370.5587% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.3522% | 4,081 |
| Noncurrent loans to loans | 0.3810% | 4,001 |
| Net loans and leases to total assets | 58.5733% | 4,061 |
| Net loans and leases to deposits | 74.2549% | 3,560 |
| Net loans and leases to core deposits | 115.9510% | 639 |
| Total domestic deposits to total assets | 78.8815% | 4,812 |
| Equity capital to assets | 10.2703% | 3,898 |
| Core capital (leverage) ratio | 9.9583% | 3,609 |
| Tier 1 risk-based capital ratio | 13.7309% | 3,754 |
| Total risk-based capital ratio | 14.8638% | 3,751 |
| Memoranda: | ||
| Average total assets | $798,662,330 | 907 |
| Average earning assets | $770,661,000 | 870 |
| Average equity | $79,591,670 | 997 |
| Average total loans | $458,260,330 | 1,063 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8819% | 5,804 |
| Cost of funding earning assets | 0.3662% | 3,437 |
| Net interest margin | 2.5157% | 5,794 |
| Noninterest income to average assets | 1.8620% | 378 |
| Noninterest expense to average assets | 3.4534% | 1,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5413% | 4,461 |
| Return on assets (ROA) | 0.5413% | 4,565 |
| Pretax return on assets | 0.8358% | 4,076 |
| Return on Equity (ROE) | 5.5143% | 4,219 |
| Retained earnings to average equity (ytd only) | 5.5143% | 2,636 |
| Net charge-offs to loans | 0.0150% | 2,638 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 98.6471% | 546 |
| Efficiency ratio | 80.5136% | 1,544 |
| Assets per employee ($millions) | 7.2205% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 2,304 |
| Loan loss allowance to noncurrent loans | 265.5324% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 3,588 |
| Noncurrent loans to loans | 0.5375% | 3,575 |
| Net loans and leases to total assets | 57.1589% | 4,132 |
| Net loans and leases to deposits | 68.2164% | 4,036 |
| Net loans and leases to core deposits | 103.8005% | 1,202 |
| Total domestic deposits to total assets | 83.7905% | 3,600 |
| Equity capital to assets | 9.9380% | 4,163 |
| Core capital (leverage) ratio | 9.6027% | 4,033 |
| Tier 1 risk-based capital ratio | 13.4541% | 4,005 |
| Total risk-based capital ratio | 14.5808% | 4,001 |
| Memoranda: | ||
| Average total assets | $802,578,000 | 905 |
| Average earning assets | $774,344,000 | 867 |
| Average equity | $78,777,000 | 1,008 |
| Average total loans | $452,466,000 | 1,070 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7128% | 5,926 |
| Cost of funding earning assets | 0.2957% | 4,301 |
| Net interest margin | 2.4172% | 5,885 |
| Noninterest income to average assets | 2.0052% | 358 |
| Noninterest expense to average assets | 3.4160% | 1,455 |
| Loan and lease loss provision to assets | -0.2248% | 6,011 |
| Net operating income to assets | 0.7138% | 3,743 |
| Return on assets (ROA) | 0.7154% | 3,844 |
| Pretax return on assets | 1.1435% | 2,867 |
| Return on Equity (ROE) | 7.3557% | 3,331 |
| Retained earnings to average equity (ytd only) | 7.3557% | 1,143 |
| Net charge-offs to loans | -0.0825% | 5,723 |
| Credit loss provision to net charge-offs | 535.1682% | 612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8520% | 1,837 |
| Assets per employee ($millions) | 7.1757% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5107% | 1,953 |
| Loan loss allowance to noncurrent loans | 257.5523% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.5138% | 3,585 |
| Noncurrent loans to loans | 0.5866% | 3,411 |
| Net loans and leases to total assets | 53.9437% | 4,507 |
| Net loans and leases to deposits | 64.8273% | 4,409 |
| Net loans and leases to core deposits | 94.4720% | 2,005 |
| Total domestic deposits to total assets | 83.2113% | 3,767 |
| Equity capital to assets | 9.6934% | 4,312 |
| Core capital (leverage) ratio | 9.4858% | 4,192 |
| Tier 1 risk-based capital ratio | 13.6439% | 3,923 |
| Total risk-based capital ratio | 14.8053% | 3,909 |
| Memoranda: | ||
| Average total assets | $778,565,000 | 890 |
| Average earning assets | $749,514,200 | 853 |
| Average equity | $75,723,800 | 1,011 |
| Average total loans | $396,217,000 | 1,163 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7115% | 6,014 |
| Cost of funding earning assets | 0.2867% | 4,485 |
| Net interest margin | 2.4248% | 5,962 |
| Noninterest income to average assets | 2.0343% | 353 |
| Noninterest expense to average assets | 3.3479% | 1,582 |
| Loan and lease loss provision to assets | -0.3021% | 6,160 |
| Net operating income to assets | 0.8230% | 3,318 |
| Return on assets (ROA) | 0.8252% | 3,386 |
| Pretax return on assets | 1.3254% | 2,299 |
| Return on Equity (ROE) | 8.4774% | 2,835 |
| Retained earnings to average equity (ytd only) | 8.4774% | 1,064 |
| Net charge-offs to loans | -0.1173% | 5,845 |
| Credit loss provision to net charge-offs | 516.2242% | 633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6513% | 2,136 |
| Assets per employee ($millions) | 6.6115% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6437% | 1,631 |
| Loan loss allowance to noncurrent loans | 252.9233% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.5649% | 3,604 |
| Noncurrent loans to loans | 0.6499% | 3,378 |
| Net loans and leases to total assets | 53.8364% | 4,579 |
| Net loans and leases to deposits | 66.2193% | 4,368 |
| Net loans and leases to core deposits | 98.2688% | 1,673 |
| Total domestic deposits to total assets | 81.3001% | 4,393 |
| Equity capital to assets | 10.5050% | 3,598 |
| Core capital (leverage) ratio | 10.2694% | 3,280 |
| Tier 1 risk-based capital ratio | 14.7310% | 3,424 |
| Total risk-based capital ratio | 15.9814% | 3,370 |
| Memoranda: | ||
| Average total assets | $772,285,500 | 898 |
| Average earning assets | $743,185,500 | 863 |
| Average equity | $75,178,750 | 1,021 |
| Average total loans | $385,224,750 | 1,200 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6381% | 6,107 |
| Cost of funding earning assets | 0.2763% | 4,652 |
| Net interest margin | 2.3618% | 6,061 |
| Noninterest income to average assets | 2.0046% | 369 |
| Noninterest expense to average assets | 3.3083% | 1,679 |
| Loan and lease loss provision to assets | -0.2555% | 6,211 |
| Net operating income to assets | 0.7646% | 3,565 |
| Return on assets (ROA) | 0.7646% | 3,668 |
| Pretax return on assets | 1.2250% | 2,674 |
| Return on Equity (ROE) | 8.0556% | 3,018 |
| Retained earnings to average equity (ytd only) | 8.0556% | 1,244 |
| Net charge-offs to loans | -0.0771% | 5,694 |
| Credit loss provision to net charge-offs | 684.9315% | 495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3365% | 2,154 |
| Assets per employee ($millions) | 6.6842% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8767% | 1,215 |
| Loan loss allowance to noncurrent loans | 267.9659% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.5621% | 3,735 |
| Noncurrent loans to loans | 0.7003% | 3,388 |
| Net loans and leases to total assets | 49.9728% | 4,935 |
| Net loans and leases to deposits | 63.9830% | 4,539 |
| Net loans and leases to core deposits | 94.2920% | 1,932 |
| Total domestic deposits to total assets | 78.1032% | 5,263 |
| Equity capital to assets | 10.0428% | 3,990 |
| Core capital (leverage) ratio | 9.6356% | 4,093 |
| Tier 1 risk-based capital ratio | 14.8815% | 3,425 |
| Total risk-based capital ratio | 16.1335% | 3,353 |
| Memoranda: | ||
| Average total assets | $782,885,330 | 892 |
| Average earning assets | $753,486,670 | 850 |
| Average equity | $74,309,000 | 1,040 |
| Average total loans | $378,528,670 | 1,217 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6095% | 6,177 |
| Cost of funding earning assets | 0.2544% | 4,973 |
| Net interest margin | 2.3551% | 6,121 |
| Noninterest income to average assets | 2.0119% | 368 |
| Noninterest expense to average assets | 3.1120% | 2,233 |
| Loan and lease loss provision to assets | -0.2510% | 6,289 |
| Net operating income to assets | 0.8877% | 2,806 |
| Return on assets (ROA) | 0.8877% | 2,928 |
| Pretax return on assets | 1.4194% | 1,816 |
| Return on Equity (ROE) | 9.6171% | 2,174 |
| Retained earnings to average equity (ytd only) | 9.6171% | 1,017 |
| Net charge-offs to loans | -0.1300% | 5,942 |
| Credit loss provision to net charge-offs | 409.8361% | 645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7038% | 3,052 |
| Assets per employee ($millions) | 7.3258% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0303% | 1,026 |
| Loan loss allowance to noncurrent loans | 720.5056% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 4,664 |
| Noncurrent loans to loans | 0.2818% | 4,768 |
| Net loans and leases to total assets | 46.0787% | 5,192 |
| Net loans and leases to deposits | 54.5661% | 5,155 |
| Net loans and leases to core deposits | 78.6228% | 3,315 |
| Total domestic deposits to total assets | 84.4457% | 3,635 |
| Equity capital to assets | 9.2838% | 4,993 |
| Core capital (leverage) ratio | 8.8619% | 5,124 |
| Tier 1 risk-based capital ratio | 14.8781% | 3,495 |
| Total risk-based capital ratio | 16.1316% | 3,433 |
| Memoranda: | ||
| Average total assets | $796,670,500 | 885 |
| Average earning assets | $767,352,000 | 842 |
| Average equity | $73,536,000 | 1,050 |
| Average total loans | $375,457,500 | 1,224 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7839% | 6,215 |
| Cost of funding earning assets | 0.1874% | 5,854 |
| Net interest margin | 2.5965% | 6,079 |
| Noninterest income to average assets | 2.1412% | 309 |
| Noninterest expense to average assets | 3.5928% | 1,323 |
| Loan and lease loss provision to assets | -0.1407% | 6,216 |
| Net operating income to assets | 0.7307% | 3,729 |
| Return on assets (ROA) | 0.7317% | 3,833 |
| Pretax return on assets | 1.1862% | 2,713 |
| Return on Equity (ROE) | 7.4475% | 3,402 |
| Retained earnings to average equity (ytd only) | 7.4475% | 1,217 |
| Net charge-offs to loans | 0.0955% | 3,138 |
| Credit loss provision to net charge-offs | -294.1176% | 5,698 |
| Earnings coverage of net charge-offs (x) | 21.8235% | 1,660 |
| Efficiency ratio | 77.4858% | 2,281 |
| Assets per employee ($millions) | 7.0946% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1708% | 858 |
| Loan loss allowance to noncurrent loans | 793.0255% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 4,726 |
| Noncurrent loans to loans | 0.2737% | 4,874 |
| Net loans and leases to total assets | 46.2001% | 5,307 |
| Net loans and leases to deposits | 60.8074% | 4,827 |
| Net loans and leases to core deposits | 87.2350% | 2,590 |
| Total domestic deposits to total assets | 75.9778% | 5,734 |
| Equity capital to assets | 9.1758% | 5,103 |
| Core capital (leverage) ratio | 9.2985% | 4,540 |
| Tier 1 risk-based capital ratio | 15.4368% | 3,251 |
| Total risk-based capital ratio | 16.6926% | 3,193 |
| Memoranda: | ||
| Average total assets | $710,779,600 | 943 |
| Average earning assets | $683,140,000 | 900 |
| Average equity | $69,835,400 | 1,054 |
| Average total loans | $355,841,200 | 1,242 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8337% | 6,260 |
| Cost of funding earning assets | 0.1779% | 6,007 |
| Net interest margin | 2.6558% | 6,065 |
| Noninterest income to average assets | 2.1765% | 302 |
| Noninterest expense to average assets | 3.5947% | 1,305 |
| Loan and lease loss provision to assets | -0.0964% | 6,265 |
| Net operating income to assets | 0.7586% | 3,633 |
| Return on assets (ROA) | 0.7600% | 3,718 |
| Pretax return on assets | 1.2304% | 2,650 |
| Return on Equity (ROE) | 7.5920% | 3,402 |
| Retained earnings to average equity (ytd only) | 7.5920% | 1,539 |
| Net charge-offs to loans | -0.0140% | 5,516 |
| Credit loss provision to net charge-offs | 1,351.3514% | 256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0534% | 2,484 |
| Assets per employee ($millions) | 6.2223% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4606% | 675 |
| Loan loss allowance to noncurrent loans | 325.8100% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.6222% | 3,965 |
| Noncurrent loans to loans | 0.7552% | 3,713 |
| Net loans and leases to total assets | 50.9077% | 4,903 |
| Net loans and leases to deposits | 58.7112% | 5,044 |
| Net loans and leases to core deposits | 87.8855% | 2,444 |
| Total domestic deposits to total assets | 86.7086% | 2,476 |
| Equity capital to assets | 10.2228% | 3,902 |
| Core capital (leverage) ratio | 9.6226% | 4,203 |
| Tier 1 risk-based capital ratio | 16.3629% | 2,870 |
| Total risk-based capital ratio | 17.6229% | 2,824 |
| Memoranda: | ||
| Average total assets | $691,600,000 | 978 |
| Average earning assets | $664,045,500 | 936 |
| Average equity | $69,229,500 | 1,065 |
| Average total loans | $351,827,000 | 1,263 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8050% | 6,338 |
| Cost of funding earning assets | 0.1600% | 6,198 |
| Net interest margin | 2.6450% | 6,123 |
| Noninterest income to average assets | 2.1501% | 311 |
| Noninterest expense to average assets | 3.6006% | 1,297 |
| Loan and lease loss provision to assets | -0.1450% | 6,421 |
| Net operating income to assets | 0.7631% | 3,500 |
| Return on assets (ROA) | 0.7651% | 3,597 |
| Pretax return on assets | 1.2380% | 2,510 |
| Return on Equity (ROE) | 7.6986% | 3,266 |
| Retained earnings to average equity (ytd only) | 7.6986% | 1,437 |
| Net charge-offs to loans | -0.0126% | 5,390 |
| Credit loss provision to net charge-offs | 2,272.7273% | 161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7647% | 2,494 |
| Assets per employee ($millions) | 6.2523% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4375% | 776 |
| Loan loss allowance to noncurrent loans | 321.8660% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.6526% | 4,032 |
| Noncurrent loans to loans | 0.7573% | 3,810 |
| Net loans and leases to total assets | 53.4574% | 4,599 |
| Net loans and leases to deposits | 62.8398% | 4,610 |
| Net loans and leases to core deposits | 93.9719% | 1,780 |
| Total domestic deposits to total assets | 85.0694% | 3,468 |
| Equity capital to assets | 10.4892% | 3,453 |
| Core capital (leverage) ratio | 9.9874% | 3,631 |
| Tier 1 risk-based capital ratio | 15.9364% | 3,126 |
| Total risk-based capital ratio | 17.1962% | 3,057 |
| Memoranda: | ||
| Average total assets | $689,832,330 | 978 |
| Average earning assets | $662,524,670 | 938 |
| Average equity | $68,558,330 | 1,068 |
| Average total loans | $347,860,330 | 1,265 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6759% | 6,479 |
| Cost of funding earning assets | 0.1534% | 6,338 |
| Net interest margin | 2.5225% | 6,314 |
| Noninterest income to average assets | 2.0775% | 316 |
| Noninterest expense to average assets | 3.3759% | 1,764 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6992% | 3,695 |
| Return on assets (ROA) | 0.6992% | 3,771 |
| Pretax return on assets | 1.1247% | 2,793 |
| Return on Equity (ROE) | 7.2264% | 3,339 |
| Retained earnings to average equity (ytd only) | 7.2264% | 1,930 |
| Net charge-offs to loans | -0.0248% | 5,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0095% | 2,969 |
| Assets per employee ($millions) | 6.2896% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7647% | 568 |
| Loan loss allowance to noncurrent loans | 329.0548% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.8787% | 3,536 |
| Noncurrent loans to loans | 0.8402% | 3,787 |
| Net loans and leases to total assets | 48.3975% | 5,072 |
| Net loans and leases to deposits | 54.4115% | 5,245 |
| Net loans and leases to core deposits | 74.7521% | 3,564 |
| Total domestic deposits to total assets | 88.9473% | 1,695 |
| Equity capital to assets | 9.9892% | 3,855 |
| Core capital (leverage) ratio | 9.4758% | 4,320 |
| Tier 1 risk-based capital ratio | 16.2948% | 3,011 |
| Total risk-based capital ratio | 17.5570% | 2,968 |
| Memoranda: | ||
| Average total assets | $700,251,500 | 971 |
| Average earning assets | $672,668,500 | 920 |
| Average equity | $67,751,500 | 1,082 |
| Average total loans | $338,509,500 | 1,299 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6398% | 6,573 |
| Cost of funding earning assets | 0.1315% | 6,603 |
| Net interest margin | 2.5083% | 6,368 |
| Noninterest income to average assets | 2.2947% | 325 |
| Noninterest expense to average assets | 3.4068% | 1,869 |
| Loan and lease loss provision to assets | -0.0607% | 6,412 |
| Net operating income to assets | 0.8336% | 3,116 |
| Return on assets (ROA) | 0.8372% | 3,180 |
| Pretax return on assets | 1.3708% | 1,899 |
| Return on Equity (ROE) | 9.2623% | 2,431 |
| Retained earnings to average equity (ytd only) | 9.2623% | 720 |
| Net charge-offs to loans | -0.1398% | 6,553 |
| Credit loss provision to net charge-offs | 97.5336% | 2,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3130% | 3,413 |
| Assets per employee ($millions) | 6.9411% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8033% | 597 |
| Loan loss allowance to noncurrent loans | 166.8972% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 1.2640% | 2,885 |
| Noncurrent loans to loans | 1.6796% | 2,390 |
| Net loans and leases to total assets | 45.6509% | 5,523 |
| Net loans and leases to deposits | 60.1245% | 4,928 |
| Net loans and leases to core deposits | 88.2254% | 2,227 |
| Total domestic deposits to total assets | 75.9273% | 6,101 |
| Equity capital to assets | 9.3743% | 4,579 |
| Core capital (leverage) ratio | 9.0920% | 4,869 |
| Tier 1 risk-based capital ratio | 15.6130% | 3,299 |
| Total risk-based capital ratio | 16.8745% | 3,250 |
| Memoranda: | ||
| Average total assets | $716,897,400 | 922 |
| Average earning assets | $690,622,600 | 876 |
| Average equity | $64,800,400 | 1,106 |
| Average total loans | $319,091,600 | 1,332 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6065% | 6,663 |
| Cost of funding earning assets | 0.1210% | 6,721 |
| Net interest margin | 2.4854% | 6,438 |
| Noninterest income to average assets | 2.2972% | 339 |
| Noninterest expense to average assets | 3.3703% | 1,890 |
| Loan and lease loss provision to assets | -0.0808% | 6,596 |
| Net operating income to assets | 0.8571% | 3,060 |
| Return on assets (ROA) | 0.8620% | 3,148 |
| Pretax return on assets | 1.4119% | 1,896 |
| Return on Equity (ROE) | 9.6253% | 2,343 |
| Retained earnings to average equity (ytd only) | 9.6253% | 877 |
| Net charge-offs to loans | -0.1846% | 6,633 |
| Credit loss provision to net charge-offs | 99.7706% | 2,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8036% | 3,439 |
| Assets per employee ($millions) | 7.1297% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8060% | 669 |
| Loan loss allowance to noncurrent loans | 164.5319% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 1.3107% | 3,029 |
| Noncurrent loans to loans | 1.7054% | 2,637 |
| Net loans and leases to total assets | 45.2304% | 5,612 |
| Net loans and leases to deposits | 61.5269% | 4,814 |
| Net loans and leases to core deposits | 86.7445% | 2,316 |
| Total domestic deposits to total assets | 73.5132% | 6,402 |
| Equity capital to assets | 9.1501% | 4,991 |
| Core capital (leverage) ratio | 9.3134% | 4,674 |
| Tier 1 risk-based capital ratio | 15.5233% | 3,463 |
| Total risk-based capital ratio | 16.7851% | 3,413 |
| Memoranda: | ||
| Average total assets | $717,388,500 | 929 |
| Average earning assets | $691,753,000 | 880 |
| Average equity | $64,245,500 | 1,127 |
| Average total loans | $314,918,000 | 1,348 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5748% | 6,708 |
| Cost of funding earning assets | 0.1116% | 6,799 |
| Net interest margin | 2.4632% | 6,483 |
| Noninterest income to average assets | 2.4213% | 337 |
| Noninterest expense to average assets | 3.4019% | 1,814 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8550% | 3,020 |
| Return on assets (ROA) | 0.8550% | 3,164 |
| Pretax return on assets | 1.3971% | 1,943 |
| Return on Equity (ROE) | 9.6174% | 2,359 |
| Retained earnings to average equity (ytd only) | 9.6174% | 936 |
| Net charge-offs to loans | -0.0221% | 5,998 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8876% | 3,662 |
| Assets per employee ($millions) | 7.0691% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9500% | 616 |
| Loan loss allowance to noncurrent loans | 151.1211% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 1.4783% | 2,887 |
| Noncurrent loans to loans | 1.9521% | 2,453 |
| Net loans and leases to total assets | 44.8092% | 5,662 |
| Net loans and leases to deposits | 53.1366% | 5,593 |
| Net loans and leases to core deposits | 71.2936% | 4,137 |
| Total domestic deposits to total assets | 84.3284% | 4,187 |
| Equity capital to assets | 9.1931% | 5,000 |
| Core capital (leverage) ratio | 8.8113% | 5,275 |
| Tier 1 risk-based capital ratio | 15.9349% | 3,232 |
| Total risk-based capital ratio | 17.1983% | 3,166 |
| Memoranda: | ||
| Average total assets | $716,485,330 | 933 |
| Average earning assets | $691,621,330 | 876 |
| Average equity | $63,697,330 | 1,147 |
| Average total loans | $308,188,670 | 1,373 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4633% | 6,826 |
| Cost of funding earning assets | 0.1017% | 6,908 |
| Net interest margin | 2.3616% | 6,633 |
| Noninterest income to average assets | 2.4862% | 321 |
| Noninterest expense to average assets | 3.2765% | 2,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9166% | 2,575 |
| Return on assets (ROA) | 0.9166% | 2,723 |
| Pretax return on assets | 1.4933% | 1,573 |
| Return on Equity (ROE) | 10.4800% | 1,884 |
| Retained earnings to average equity (ytd only) | 10.4800% | 988 |
| Net charge-offs to loans | -0.0410% | 6,040 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6931% | 4,194 |
| Assets per employee ($millions) | 7.9379% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0315% | 640 |
| Loan loss allowance to noncurrent loans | 92.9268% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.8497% | 2,543 |
| Noncurrent loans to loans | 3.2622% | 1,492 |
| Net loans and leases to total assets | 40.0123% | 5,990 |
| Net loans and leases to deposits | 44.1922% | 6,191 |
| Net loans and leases to core deposits | 54.5305% | 5,635 |
| Total domestic deposits to total assets | 90.5416% | 747 |
| Equity capital to assets | 8.5564% | 5,957 |
| Core capital (leverage) ratio | 8.0757% | 6,076 |
| Tier 1 risk-based capital ratio | 16.0335% | 3,244 |
| Total risk-based capital ratio | 17.2977% | 3,195 |
| Memoranda: | ||
| Average total assets | $728,343,000 | 927 |
| Average earning assets | $704,259,500 | 874 |
| Average equity | $63,702,500 | 1,161 |
| Average total loans | $302,352,500 | 1,401 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7780% | 6,861 |
| Cost of funding earning assets | 0.0145% | 7,056 |
| Net interest margin | 2.7635% | 6,430 |
| Noninterest income to average assets | 2.9491% | 262 |
| Noninterest expense to average assets | 3.8856% | 1,115 |
| Loan and lease loss provision to assets | 0.1291% | 4,002 |
| Net operating income to assets | 0.9678% | 2,471 |
| Return on assets (ROA) | 0.9678% | 2,707 |
| Pretax return on assets | 1.5826% | 1,432 |
| Return on Equity (ROE) | 10.1103% | 2,125 |
| Retained earnings to average equity (ytd only) | 10.1103% | 577 |
| Net charge-offs to loans | 1.0263% | 1,053 |
| Credit loss provision to net charge-offs | 28.4698% | 5,145 |
| Earnings coverage of net charge-offs (x) | 3.7758% | 3,608 |
| Efficiency ratio | 69.4192% | 3,910 |
| Assets per employee ($millions) | 7.3186% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2030% | 551 |
| Loan loss allowance to noncurrent loans | 91.9601% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 2.0247% | 2,421 |
| Noncurrent loans to loans | 3.4830% | 1,436 |
| Net loans and leases to total assets | 40.4416% | 6,143 |
| Net loans and leases to deposits | 46.7867% | 6,195 |
| Net loans and leases to core deposits | 57.6384% | 5,582 |
| Total domestic deposits to total assets | 86.4383% | 3,134 |
| Equity capital to assets | 8.9500% | 5,576 |
| Core capital (leverage) ratio | 8.7669% | 5,233 |
| Tier 1 risk-based capital ratio | 15.8833% | 3,226 |
| Total risk-based capital ratio | 17.1479% | 3,177 |
| Memoranda: | ||
| Average total assets | $619,851,200 | 1,071 |
| Average earning assets | $593,983,600 | 1,018 |
| Average equity | $59,335,800 | 1,198 |
| Average total loans | $273,808,800 | 1,518 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7723% | 6,983 |
| Cost of funding earning assets | 0.0035% | 7,167 |
| Net interest margin | 2.7688% | 6,553 |
| Noninterest income to average assets | 3.0319% | 242 |
| Noninterest expense to average assets | 3.9981% | 931 |
| Loan and lease loss provision to assets | 0.1780% | 3,359 |
| Net operating income to assets | 0.9219% | 2,871 |
| Return on assets (ROA) | 0.9219% | 3,095 |
| Pretax return on assets | 1.5045% | 1,865 |
| Return on Equity (ROE) | 9.4507% | 2,615 |
| Retained earnings to average equity (ytd only) | 9.4507% | 1,078 |
| Net charge-offs to loans | 1.4048% | 639 |
| Credit loss provision to net charge-offs | 28.2386% | 4,825 |
| Earnings coverage of net charge-offs (x) | 2.6689% | 3,968 |
| Efficiency ratio | 70.3815% | 3,613 |
| Assets per employee ($millions) | 6.2195% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2641% | 569 |
| Loan loss allowance to noncurrent loans | 84.4955% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 2.5137% | 2,108 |
| Noncurrent loans to loans | 3.8630% | 1,350 |
| Net loans and leases to total assets | 46.0740% | 5,756 |
| Net loans and leases to deposits | 51.9443% | 5,980 |
| Net loans and leases to core deposits | 52.4585% | 6,152 |
| Total domestic deposits to total assets | 88.6989% | 1,597 |
| Equity capital to assets | 10.1339% | 4,307 |
| Core capital (leverage) ratio | 9.7158% | 3,931 |
| Tier 1 risk-based capital ratio | 16.7899% | 2,849 |
| Total risk-based capital ratio | 18.0573% | 2,786 |
| Memoranda: | ||
| Average total assets | $599,168,750 | 1,118 |
| Average earning assets | $573,184,750 | 1,059 |
| Average equity | $58,449,500 | 1,215 |
| Average total loans | $268,876,750 | 1,552 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7444% | 7,063 |
| Cost of funding earning assets | 0.0032% | 7,230 |
| Net interest margin | 2.7412% | 6,661 |
| Noninterest income to average assets | 3.1335% | 233 |
| Noninterest expense to average assets | 4.1285% | 806 |
| Loan and lease loss provision to assets | 0.2677% | 2,443 |
| Net operating income to assets | 0.8317% | 3,232 |
| Return on assets (ROA) | 0.8317% | 3,499 |
| Pretax return on assets | 1.3550% | 2,372 |
| Return on Equity (ROE) | 8.6389% | 2,972 |
| Retained earnings to average equity (ytd only) | 8.6389% | 1,403 |
| Net charge-offs to loans | 2.2785% | 325 |
| Credit loss provision to net charge-offs | 26.7290% | 4,489 |
| Earnings coverage of net charge-offs (x) | 1.6204% | 4,182 |
| Efficiency ratio | 71.7859% | 3,465 |
| Assets per employee ($millions) | 6.2710% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4391% | 517 |
| Loan loss allowance to noncurrent loans | 78.2133% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 2.6533% | 2,083 |
| Noncurrent loans to loans | 4.3971% | 1,216 |
| Net loans and leases to total assets | 43.4491% | 6,074 |
| Net loans and leases to deposits | 51.0936% | 6,100 |
| Net loans and leases to core deposits | 51.0936% | 6,295 |
| Total domestic deposits to total assets | 85.0382% | 3,838 |
| Equity capital to assets | 9.9293% | 4,450 |
| Core capital (leverage) ratio | 9.6516% | 3,922 |
| Tier 1 risk-based capital ratio | 17.3596% | 2,527 |
| Total risk-based capital ratio | 18.6283% | 2,482 |
| Memoranda: | ||
| Average total assets | $597,794,000 | 1,115 |
| Average earning assets | $570,845,330 | 1,061 |
| Average equity | $57,553,670 | 1,229 |
| Average total loans | $262,722,330 | 1,587 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7717% | 7,116 |
| Cost of funding earning assets | 0.0021% | 7,291 |
| Net interest margin | 2.7696% | 6,677 |
| Noninterest income to average assets | 3.1302% | 228 |
| Noninterest expense to average assets | 4.1328% | 799 |
| Loan and lease loss provision to assets | 0.3006% | 2,083 |
| Net operating income to assets | 0.8243% | 3,276 |
| Return on assets (ROA) | 0.8243% | 3,504 |
| Pretax return on assets | 1.3373% | 2,402 |
| Return on Equity (ROE) | 8.6972% | 2,950 |
| Retained earnings to average equity (ytd only) | 8.6972% | 1,697 |
| Net charge-offs to loans | 1.5012% | 668 |
| Credit loss provision to net charge-offs | 46.1066% | 3,345 |
| Earnings coverage of net charge-offs (x) | 2.5123% | 3,161 |
| Efficiency ratio | 71.6171% | 3,511 |
| Assets per employee ($millions) | 6.5354% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1656% | 327 |
| Loan loss allowance to noncurrent loans | 94.8506% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 2.6017% | 2,272 |
| Noncurrent loans to loans | 4.3917% | 1,345 |
| Net loans and leases to total assets | 39.5068% | 6,385 |
| Net loans and leases to deposits | 44.1111% | 6,552 |
| Net loans and leases to core deposits | 44.1111% | 6,652 |
| Total domestic deposits to total assets | 89.5620% | 1,329 |
| Equity capital to assets | 9.0623% | 5,405 |
| Core capital (leverage) ratio | 9.0575% | 4,750 |
| Tier 1 risk-based capital ratio | 17.6817% | 2,413 |
| Total risk-based capital ratio | 18.9582% | 2,373 |
| Memoranda: | ||
| Average total assets | $598,819,500 | 1,116 |
| Average earning assets | $570,905,000 | 1,066 |
| Average equity | $56,754,000 | 1,254 |
| Average total loans | $260,051,500 | 1,612 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1246% | 7,146 |
| Cost of funding earning assets | 0.0065% | 7,341 |
| Net interest margin | 3.1181% | 6,301 |
| Noninterest income to average assets | 2.7872% | 230 |
| Noninterest expense to average assets | 4.0911% | 917 |
| Loan and lease loss provision to assets | 0.8493% | 1,142 |
| Net operating income to assets | 0.5020% | 4,418 |
| Return on assets (ROA) | 0.5020% | 4,626 |
| Pretax return on assets | 0.8076% | 3,956 |
| Return on Equity (ROE) | 5.9123% | 3,915 |
| Retained earnings to average equity (ytd only) | 5.9123% | 2,069 |
| Net charge-offs to loans | 1.9059% | 755 |
| Credit loss provision to net charge-offs | 102.4669% | 3,375 |
| Earnings coverage of net charge-offs (x) | 1.9990% | 4,285 |
| Efficiency ratio | 71.1753% | 3,755 |
| Assets per employee ($millions) | 6.0614% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4101% | 276 |
| Loan loss allowance to noncurrent loans | 100.8394% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 3.1156% | 1,916 |
| Noncurrent loans to loans | 4.3734% | 1,381 |
| Net loans and leases to total assets | 43.8808% | 6,219 |
| Net loans and leases to deposits | 53.9270% | 6,074 |
| Net loans and leases to core deposits | 53.9270% | 6,309 |
| Total domestic deposits to total assets | 81.3706% | 5,337 |
| Equity capital to assets | 9.9447% | 4,234 |
| Core capital (leverage) ratio | 8.9841% | 4,817 |
| Tier 1 risk-based capital ratio | 17.2445% | 2,492 |
| Total risk-based capital ratio | 18.5231% | 2,450 |
| Memoranda: | ||
| Average total assets | $601,571,800 | 1,090 |
| Average earning assets | $571,217,000 | 1,034 |
| Average equity | $51,080,000 | 1,342 |
| Average total loans | $261,613,800 | 1,609 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1882% | 7,214 |
| Cost of funding earning assets | 0.0078% | 7,417 |
| Net interest margin | 3.1804% | 6,203 |
| Noninterest income to average assets | 2.8150% | 233 |
| Noninterest expense to average assets | 3.9338% | 1,096 |
| Loan and lease loss provision to assets | 1.0166% | 842 |
| Net operating income to assets | 0.5486% | 4,329 |
| Return on assets (ROA) | 0.5486% | 4,512 |
| Pretax return on assets | 0.8872% | 3,817 |
| Return on Equity (ROE) | 6.7260% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.7260% | 2,121 |
| Net charge-offs to loans | 2.0580% | 606 |
| Credit loss provision to net charge-offs | 115.0654% | 2,840 |
| Earnings coverage of net charge-offs (x) | 2.1549% | 4,056 |
| Efficiency ratio | 67.3868% | 4,445 |
| Assets per employee ($millions) | 6.3807% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7750% | 217 |
| Loan loss allowance to noncurrent loans | 93.6339% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 3.3304% | 1,906 |
| Noncurrent loans to loans | 5.0996% | 1,205 |
| Net loans and leases to total assets | 39.9889% | 6,632 |
| Net loans and leases to deposits | 50.0589% | 6,498 |
| Net loans and leases to core deposits | 50.0589% | 6,667 |
| Total domestic deposits to total assets | 79.8839% | 5,768 |
| Equity capital to assets | 9.3720% | 5,271 |
| Core capital (leverage) ratio | 9.5235% | 4,117 |
| Tier 1 risk-based capital ratio | 18.1944% | 2,189 |
| Total risk-based capital ratio | 19.4775% | 2,144 |
| Memoranda: | ||
| Average total assets | $611,038,000 | 1,073 |
| Average earning assets | $580,714,500 | 1,023 |
| Average equity | $49,835,250 | 1,369 |
| Average total loans | $262,324,500 | 1,619 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2540% | 7,268 |
| Cost of funding earning assets | 0.0113% | 7,487 |
| Net interest margin | 3.2427% | 6,017 |
| Noninterest income to average assets | 2.9074% | 228 |
| Noninterest expense to average assets | 3.7292% | 1,475 |
| Loan and lease loss provision to assets | 1.4780% | 480 |
| Net operating income to assets | 0.4837% | 4,571 |
| Return on assets (ROA) | 0.4837% | 4,721 |
| Pretax return on assets | 0.7800% | 4,101 |
| Return on Equity (ROE) | 6.2285% | 3,834 |
| Retained earnings to average equity (ytd only) | 6.2285% | 2,276 |
| Net charge-offs to loans | 2.5212% | 463 |
| Credit loss provision to net charge-offs | 135.6038% | 2,248 |
| Earnings coverage of net charge-offs (x) | 2.0717% | 3,819 |
| Efficiency ratio | 62.2861% | 5,546 |
| Assets per employee ($millions) | 6.7162% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6392% | 246 |
| Loan loss allowance to noncurrent loans | 99.5694% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 3.0770% | 2,182 |
| Noncurrent loans to loans | 4.6592% | 1,415 |
| Net loans and leases to total assets | 41.0912% | 6,659 |
| Net loans and leases to deposits | 54.5035% | 6,271 |
| Net loans and leases to core deposits | 54.5035% | 6,531 |
| Total domestic deposits to total assets | 75.3918% | 6,686 |
| Equity capital to assets | 8.3057% | 6,418 |
| Core capital (leverage) ratio | 8.6566% | 5,291 |
| Tier 1 risk-based capital ratio | 15.3370% | 3,332 |
| Total risk-based capital ratio | 16.6175% | 3,269 |
| Memoranda: | ||
| Average total assets | $616,916,000 | 1,073 |
| Average earning assets | $585,925,000 | 1,020 |
| Average equity | $47,909,000 | 1,411 |
| Average total loans | $266,701,000 | 1,617 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3029% | 7,308 |
| Cost of funding earning assets | 0.0172% | 7,550 |
| Net interest margin | 3.2857% | 5,829 |
| Noninterest income to average assets | 3.0959% | 211 |
| Noninterest expense to average assets | 3.5559% | 1,862 |
| Loan and lease loss provision to assets | 1.4086% | 465 |
| Net operating income to assets | 0.7692% | 3,172 |
| Return on assets (ROA) | 0.7692% | 3,243 |
| Pretax return on assets | 1.2475% | 2,200 |
| Return on Equity (ROE) | 10.2690% | 2,003 |
| Retained earnings to average equity (ytd only) | 10.2690% | 1,059 |
| Net charge-offs to loans | 3.9988% | 223 |
| Credit loss provision to net charge-offs | 81.3489% | 3,132 |
| Earnings coverage of net charge-offs (x) | 1.5339% | 3,563 |
| Efficiency ratio | 57.2419% | 6,353 |
| Assets per employee ($millions) | 6.3379% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1904% | 372 |
| Loan loss allowance to noncurrent loans | 78.9150% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 3.4760% | 1,963 |
| Noncurrent loans to loans | 5.3100% | 1,242 |
| Net loans and leases to total assets | 42.3252% | 6,591 |
| Net loans and leases to deposits | 51.9274% | 6,480 |
| Net loans and leases to core deposits | 51.9274% | 6,682 |
| Total domestic deposits to total assets | 81.5083% | 5,492 |
| Equity capital to assets | 8.1694% | 6,319 |
| Core capital (leverage) ratio | 8.2757% | 5,853 |
| Tier 1 risk-based capital ratio | 15.3734% | 3,224 |
| Total risk-based capital ratio | 16.6487% | 3,170 |
| Memoranda: | ||
| Average total assets | $613,071,000 | 1,086 |
| Average earning assets | $581,433,500 | 1,040 |
| Average equity | $45,924,500 | 1,461 |
| Average total loans | $265,479,500 | 1,638 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5628% | 7,362 |
| Cost of funding earning assets | 0.0057% | 7,638 |
| Net interest margin | 3.5571% | 5,011 |
| Noninterest income to average assets | 2.8210% | 245 |
| Noninterest expense to average assets | 4.0034% | 1,156 |
| Loan and lease loss provision to assets | 1.9714% | 670 |
| Net operating income to assets | 0.1505% | 5,439 |
| Return on assets (ROA) | 0.1505% | 5,597 |
| Pretax return on assets | 0.2351% | 5,395 |
| Return on Equity (ROE) | 2.0081% | 5,374 |
| Retained earnings to average equity (ytd only) | 2.0081% | 4,461 |
| Net charge-offs to loans | 2.5805% | 719 |
| Credit loss provision to net charge-offs | 149.7297% | 2,420 |
| Earnings coverage of net charge-offs (x) | 1.6758% | 4,483 |
| Efficiency ratio | 64.4681% | 5,271 |
| Assets per employee ($millions) | 6.8410% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1296% | 358 |
| Loan loss allowance to noncurrent loans | 124.6026% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 2.8909% | 2,429 |
| Noncurrent loans to loans | 3.3142% | 2,288 |
| Net loans and leases to total assets | 40.7560% | 6,921 |
| Net loans and leases to deposits | 59.1131% | 6,146 |
| Net loans and leases to core deposits | 59.1131% | 6,465 |
| Total domestic deposits to total assets | 68.9457% | 7,287 |
| Equity capital to assets | 6.8756% | 7,149 |
| Core capital (leverage) ratio | 6.9367% | 7,052 |
| Tier 1 risk-based capital ratio | 13.4544% | 4,246 |
| Total risk-based capital ratio | 14.7287% | 4,193 |
| Memoranda: | ||
| Average total assets | $604,030,800 | 1,108 |
| Average earning assets | $575,475,800 | 1,045 |
| Average equity | $45,265,600 | 1,477 |
| Average total loans | $308,200,000 | 1,453 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6058% | 7,490 |
| Cost of funding earning assets | 0.0042% | 7,743 |
| Net interest margin | 3.6016% | 4,866 |
| Noninterest income to average assets | 2.7755% | 238 |
| Noninterest expense to average assets | 3.9736% | 1,075 |
| Loan and lease loss provision to assets | 1.8094% | 691 |
| Net operating income to assets | 0.2546% | 5,335 |
| Return on assets (ROA) | 0.2546% | 5,495 |
| Pretax return on assets | 0.4305% | 5,139 |
| Return on Equity (ROE) | 3.3239% | 5,090 |
| Retained earnings to average equity (ytd only) | 3.3239% | 4,112 |
| Net charge-offs to loans | 2.9960% | 515 |
| Credit loss provision to net charge-offs | 113.2566% | 3,704 |
| Earnings coverage of net charge-offs (x) | 1.4021% | 4,683 |
| Efficiency ratio | 63.9502% | 5,250 |
| Assets per employee ($millions) | 7.0169% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6722% | 1,111 |
| Loan loss allowance to noncurrent loans | 60.1905% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 3.1796% | 2,260 |
| Noncurrent loans to loans | 4.4395% | 1,635 |
| Net loans and leases to total assets | 47.7428% | 6,543 |
| Net loans and leases to deposits | 55.5237% | 6,645 |
| Net loans and leases to core deposits | 55.5237% | 6,885 |
| Total domestic deposits to total assets | 85.9863% | 3,084 |
| Equity capital to assets | 7.5397% | 7,105 |
| Core capital (leverage) ratio | 6.9557% | 7,188 |
| Tier 1 risk-based capital ratio | 13.3415% | 4,318 |
| Total risk-based capital ratio | 14.6047% | 4,272 |
| Memoranda: | ||
| Average total assets | $594,275,500 | 1,139 |
| Average earning assets | $567,288,500 | 1,072 |
| Average equity | $45,528,500 | 1,476 |
| Average total loans | $316,907,250 | 1,430 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6640% | 7,548 |
| Cost of funding earning assets | 0.0036% | 7,813 |
| Net interest margin | 3.6604% | 4,538 |
| Noninterest income to average assets | 2.6622% | 250 |
| Noninterest expense to average assets | 4.0470% | 988 |
| Loan and lease loss provision to assets | 1.0741% | 1,344 |
| Net operating income to assets | 0.6101% | 3,838 |
| Return on assets (ROA) | 0.6101% | 3,971 |
| Pretax return on assets | 1.0326% | 2,997 |
| Return on Equity (ROE) | 7.9183% | 2,913 |
| Retained earnings to average equity (ytd only) | 7.9183% | 1,472 |
| Net charge-offs to loans | 1.2328% | 1,549 |
| Credit loss provision to net charge-offs | 158.7907% | 2,478 |
| Earnings coverage of net charge-offs (x) | 3.1143% | 3,445 |
| Efficiency ratio | 65.7655% | 5,024 |
| Assets per employee ($millions) | 6.3603% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6750% | 1,117 |
| Loan loss allowance to noncurrent loans | 73.2718% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 2.6762% | 2,697 |
| Noncurrent loans to loans | 3.6507% | 2,159 |
| Net loans and leases to total assets | 52.7893% | 6,134 |
| Net loans and leases to deposits | 60.3886% | 6,380 |
| Net loans and leases to core deposits | 60.3886% | 6,684 |
| Total domestic deposits to total assets | 87.4159% | 2,314 |
| Equity capital to assets | 7.8575% | 6,881 |
| Core capital (leverage) ratio | 7.0960% | 7,133 |
| Tier 1 risk-based capital ratio | 12.3945% | 4,954 |
| Total risk-based capital ratio | 13.6576% | 4,917 |
| Memoranda: | ||
| Average total assets | $581,859,330 | 1,171 |
| Average earning assets | $555,017,670 | 1,099 |
| Average equity | $44,833,000 | 1,486 |
| Average total loans | $319,281,330 | 1,430 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5333% | 7,699 |
| Cost of funding earning assets | 0.0022% | 7,911 |
| Net interest margin | 3.5311% | 5,033 |
| Noninterest income to average assets | 2.5597% | 249 |
| Noninterest expense to average assets | 4.0489% | 958 |
| Loan and lease loss provision to assets | 0.8445% | 1,503 |
| Net operating income to assets | 0.6177% | 3,819 |
| Return on assets (ROA) | 0.6177% | 3,956 |
| Pretax return on assets | 1.0286% | 2,975 |
| Return on Equity (ROE) | 8.0975% | 2,838 |
| Retained earnings to average equity (ytd only) | 8.0975% | 1,667 |
| Net charge-offs to loans | 0.1974% | 3,725 |
| Credit loss provision to net charge-offs | 775.3165% | 582 |
| Earnings coverage of net charge-offs (x) | 17.1962% | 1,298 |
| Efficiency ratio | 68.3702% | 4,648 |
| Assets per employee ($millions) | 6.8948% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6156% | 1,161 |
| Loan loss allowance to noncurrent loans | 89.2857% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 2.0977% | 3,390 |
| Noncurrent loans to loans | 2.9295% | 2,747 |
| Net loans and leases to total assets | 50.4005% | 6,430 |
| Net loans and leases to deposits | 55.8879% | 6,783 |
| Net loans and leases to core deposits | 55.8879% | 7,004 |
| Total domestic deposits to total assets | 90.1813% | 901 |
| Equity capital to assets | 7.1974% | 7,285 |
| Core capital (leverage) ratio | 6.7134% | 7,384 |
| Tier 1 risk-based capital ratio | 12.7506% | 4,522 |
| Total risk-based capital ratio | 14.0146% | 4,475 |
| Memoranda: | ||
| Average total assets | $580,213,500 | 1,194 |
| Average earning assets | $552,460,500 | 1,132 |
| Average equity | $44,260,500 | 1,515 |
| Average total loans | $320,228,500 | 1,476 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2947% | 7,852 |
| Cost of funding earning assets | 0.2748% | 7,914 |
| Net interest margin | 3.0198% | 6,595 |
| Noninterest income to average assets | 2.1798% | 333 |
| Noninterest expense to average assets | 3.7507% | 1,794 |
| Loan and lease loss provision to assets | 0.9069% | 2,483 |
| Net operating income to assets | 0.2408% | 4,757 |
| Return on assets (ROA) | 0.2408% | 4,837 |
| Pretax return on assets | 0.4103% | 4,468 |
| Return on Equity (ROE) | 3.5005% | 4,289 |
| Retained earnings to average equity (ytd only) | 0.8935% | 4,399 |
| Net charge-offs to loans | 0.9134% | 2,564 |
| Credit loss provision to net charge-offs | 188.3508% | 2,140 |
| Earnings coverage of net charge-offs (x) | 2.7355% | 3,731 |
| Efficiency ratio | 74.0090% | 3,892 |
| Assets per employee ($millions) | 5.9329% | 1,291 |
| Cash dividends to net income (ytd only)* | 74.4753% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2965% | 1,491 |
| Loan loss allowance to noncurrent loans | 94.6560% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 2.0534% | 3,325 |
| Noncurrent loans to loans | 2.4262% | 3,130 |
| Net loans and leases to total assets | 57.7840% | 5,692 |
| Net loans and leases to deposits | 63.7864% | 6,297 |
| Net loans and leases to core deposits | 63.7864% | 7,103 |
| Total domestic deposits to total assets | 90.5899% | 702 |
| Equity capital to assets | 8.1236% | 6,437 |
| Core capital (leverage) ratio | 6.6028% | 7,447 |
| Tier 1 risk-based capital ratio | 12.2331% | 4,739 |
| Total risk-based capital ratio | 13.4928% | 4,690 |
| Memoranda: | ||
| Average total assets | $613,271,600 | 1,130 |
| Average earning assets | $586,521,800 | 1,073 |
| Average equity | $42,194,200 | 1,584 |
| Average total loans | $323,309,600 | 1,488 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1599% | 7,967 |
| Cost of funding earning assets | 0.3474% | 7,982 |
| Net interest margin | 2.8124% | 7,036 |
| Noninterest income to average assets | 2.0704% | 345 |
| Noninterest expense to average assets | 3.6342% | 1,952 |
| Loan and lease loss provision to assets | 0.6417% | 2,832 |
| Net operating income to assets | 0.2824% | 4,851 |
| Return on assets (ROA) | 0.2824% | 4,959 |
| Pretax return on assets | 0.4840% | 4,568 |
| Return on Equity (ROE) | 4.2701% | 4,262 |
| Retained earnings to average equity (ytd only) | 0.7596% | 4,861 |
| Net charge-offs to loans | 0.5669% | 2,987 |
| Credit loss provision to net charge-offs | 220.4496% | 1,991 |
| Earnings coverage of net charge-offs (x) | 3.8673% | 3,357 |
| Efficiency ratio | 76.3493% | 3,442 |
| Assets per employee ($millions) | 7.5395% | 621 |
| Cash dividends to net income (ytd only)* | 82.2120% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8909% | 2,059 |
| Loan loss allowance to noncurrent loans | 109.8589% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 1.2252% | 4,617 |
| Noncurrent loans to loans | 1.7212% | 4,053 |
| Net loans and leases to total assets | 48.2859% | 6,926 |
| Net loans and leases to deposits | 70.3400% | 5,869 |
| Net loans and leases to core deposits | 70.3400% | 6,952 |
| Total domestic deposits to total assets | 68.6464% | 7,520 |
| Equity capital to assets | 6.3894% | 7,789 |
| Core capital (leverage) ratio | 7.5006% | 6,970 |
| Tier 1 risk-based capital ratio | 12.0225% | 4,959 |
| Total risk-based capital ratio | 13.2787% | 4,884 |
| Memoranda: | ||
| Average total assets | $631,615,250 | 1,115 |
| Average earning assets | $604,016,750 | 1,049 |
| Average equity | $41,778,000 | 1,617 |
| Average total loans | $324,310,250 | 1,506 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2119% | 8,059 |
| Cost of funding earning assets | 0.4138% | 8,067 |
| Net interest margin | 2.7981% | 7,014 |
| Noninterest income to average assets | 2.2108% | 318 |
| Noninterest expense to average assets | 3.7848% | 1,683 |
| Loan and lease loss provision to assets | 0.4359% | 3,372 |
| Net operating income to assets | 0.3824% | 4,574 |
| Return on assets (ROA) | 0.3824% | 4,678 |
| Pretax return on assets | 0.6488% | 4,165 |
| Return on Equity (ROE) | 5.7092% | 3,779 |
| Retained earnings to average equity (ytd only) | 0.3553% | 5,079 |
| Net charge-offs to loans | 0.1551% | 4,643 |
| Credit loss provision to net charge-offs | 539.1129% | 861 |
| Earnings coverage of net charge-offs (x) | 13.4153% | 1,742 |
| Efficiency ratio | 77.7250% | 3,389 |
| Assets per employee ($millions) | 6.7587% | 859 |
| Cash dividends to net income (ytd only)* | 93.7766% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 2,130 |
| Loan loss allowance to noncurrent loans | 94.6434% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 1.4362% | 4,098 |
| Noncurrent loans to loans | 1.8678% | 3,704 |
| Net loans and leases to total assets | 53.1050% | 6,560 |
| Net loans and leases to deposits | 72.5836% | 5,656 |
| Net loans and leases to core deposits | 72.5836% | 6,861 |
| Total domestic deposits to total assets | 73.1639% | 7,084 |
| Equity capital to assets | 6.9346% | 7,642 |
| Core capital (leverage) ratio | 7.1969% | 7,361 |
| Tier 1 risk-based capital ratio | 11.7356% | 5,158 |
| Total risk-based capital ratio | 12.9903% | 5,076 |
| Memoranda: | ||
| Average total assets | $613,456,000 | 1,162 |
| Average earning assets | $582,903,000 | 1,115 |
| Average equity | $41,091,670 | 1,650 |
| Average total loans | $319,856,670 | 1,555 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1044% | 8,131 |
| Cost of funding earning assets | 0.4868% | 8,104 |
| Net interest margin | 2.6175% | 7,344 |
| Noninterest income to average assets | 2.3239% | 277 |
| Noninterest expense to average assets | 3.8277% | 1,418 |
| Loan and lease loss provision to assets | 0.3474% | 3,240 |
| Net operating income to assets | 0.3649% | 4,994 |
| Return on assets (ROA) | 0.3649% | 5,178 |
| Pretax return on assets | 0.6240% | 4,680 |
| Return on Equity (ROE) | 5.5443% | 4,236 |
| Retained earnings to average equity (ytd only) | -5.3075% | 6,594 |
| Net charge-offs to loans | 0.4947% | 2,226 |
| Credit loss provision to net charge-offs | 137.1795% | 2,956 |
| Earnings coverage of net charge-offs (x) | 3.8359% | 3,048 |
| Efficiency ratio | 79.7592% | 2,853 |
| Assets per employee ($millions) | 7.3194% | 672 |
| Cash dividends to net income (ytd only)* | 195.7295% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5362% | 2,781 |
| Loan loss allowance to noncurrent loans | 83.7029% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.2382% | 4,208 |
| Noncurrent loans to loans | 1.8353% | 3,511 |
| Net loans and leases to total assets | 48.4516% | 6,989 |
| Net loans and leases to deposits | 63.6880% | 6,589 |
| Net loans and leases to core deposits | 63.6880% | 7,327 |
| Total domestic deposits to total assets | 76.0765% | 6,492 |
| Equity capital to assets | 6.3693% | 7,913 |
| Core capital (leverage) ratio | 7.1539% | 7,521 |
| Tier 1 risk-based capital ratio | 12.0390% | 4,932 |
| Total risk-based capital ratio | 13.2911% | 4,819 |
| Memoranda: | ||
| Average total assets | $616,042,000 | 1,158 |
| Average earning assets | $582,531,000 | 1,121 |
| Average equity | $40,546,500 | 1,681 |
| Average total loans | $315,364,000 | 1,587 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5136% | 8,027 |
| Cost of funding earning assets | 0.8936% | 8,089 |
| Net interest margin | 3.6200% | 4,787 |
| Noninterest income to average assets | 3.2242% | 183 |
| Noninterest expense to average assets | 4.5449% | 850 |
| Loan and lease loss provision to assets | 0.6320% | 2,297 |
| Net operating income to assets | 0.8170% | 3,360 |
| Return on assets (ROA) | 0.8170% | 3,202 |
| Pretax return on assets | 1.3858% | 2,012 |
| Return on Equity (ROE) | 10.8945% | 1,937 |
| Retained earnings to average equity (ytd only) | 8.1000% | 819 |
| Net charge-offs to loans | 0.4455% | 2,601 |
| Credit loss provision to net charge-offs | 242.2115% | 1,928 |
| Earnings coverage of net charge-offs (x) | 7.7328% | 3,033 |
| Efficiency ratio | 69.2532% | 4,488 |
| Assets per employee ($millions) | 6.9174% | 732 |
| Cash dividends to net income (ytd only)* | 25.6509% | 4,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 2,654 |
| Loan loss allowance to noncurrent loans | 88.1508% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.2784% | 3,668 |
| Noncurrent loans to loans | 1.7079% | 3,209 |
| Net loans and leases to total assets | 52.5623% | 6,796 |
| Net loans and leases to deposits | 68.1955% | 6,442 |
| Net loans and leases to core deposits | 68.1955% | 7,276 |
| Total domestic deposits to total assets | 77.0759% | 5,969 |
| Equity capital to assets | 6.8145% | 7,822 |
| Core capital (leverage) ratio | 8.1659% | 6,228 |
| Tier 1 risk-based capital ratio | 11.6089% | 5,149 |
| Total risk-based capital ratio | 12.8604% | 5,035 |
| Memoranda: | ||
| Average total assets | $474,813,000 | 1,454 |
| Average earning assets | $437,901,400 | 1,430 |
| Average equity | $35,605,000 | 1,893 |
| Average total loans | $278,144,400 | 1,729 |