Home > United Community Bank > Performance and Condition Ratios
United Community 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 | 4.2541% | 3,514 |
| Cost of funding earning assets | 1.2776% | 2,578 |
| Net interest margin | 2.9765% | 3,337 |
| Noninterest income to average assets | 0.8200% | 901 |
| Noninterest expense to average assets | 2.0023% | 3,626 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.2042% | 1,643 |
| Return on assets (ROA) | 1.0676% | 1,985 |
| Pretax return on assets | 1.3921% | 1,654 |
| Return on Equity (ROE) | 12.3700% | 1,871 |
| Retained earnings to average equity (ytd only) | 5.3996% | 2,448 |
| Net charge-offs to loans | 0.0369% | 1,569 |
| Credit loss provision to net charge-offs | 355.6927% | 842 |
| Earnings coverage of net charge-offs (x) | 77.1001% | 1,045 |
| Efficiency ratio | 54.0110% | 3,677 |
| Assets per employee ($millions) | 6.4444% | 2,453 |
| Cash dividends to net income (ytd only)* | 56.3328% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 2,485 |
| Loan loss allowance to noncurrent loans | 604.6657% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 2,054 |
| Noncurrent loans to loans | 0.1924% | 2,547 |
| Net loans and leases to total assets | 58.9300% | 2,955 |
| Net loans and leases to deposits | 68.3073% | 3,007 |
| Net loans and leases to core deposits | 71.5252% | 3,220 |
| Total domestic deposits to total assets | 86.2800% | 1,919 |
| Equity capital to assets | 8.9627% | 2,701 |
| Core capital (leverage) ratio | 9.1229% | 3,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9157% | 1,892 |
| Memoranda: | ||
| Average total assets | $3,421,176,800 | 357 |
| Average earning assets | $3,249,059,000 | 343 |
| Average equity | $295,372,000 | 402 |
| Average total loans | $1,973,465,800 | 408 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1430% | 3,575 |
| Cost of funding earning assets | 1.0961% | 2,752 |
| Net interest margin | 3.0469% | 3,242 |
| Noninterest income to average assets | 0.8300% | 883 |
| Noninterest expense to average assets | 1.9702% | 3,668 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.3356% | 1,460 |
| Return on assets (ROA) | 1.3356% | 1,443 |
| Pretax return on assets | 1.6914% | 1,177 |
| Return on Equity (ROE) | 15.6200% | 1,324 |
| Retained earnings to average equity (ytd only) | 6.3171% | 2,531 |
| Net charge-offs to loans | -0.0013% | 3,515 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.8755% | 3,763 |
| Assets per employee ($millions) | 6.1938% | 2,572 |
| Cash dividends to net income (ytd only)* | 59.5629% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 2,251 |
| Loan loss allowance to noncurrent loans | 430.0368% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 2,010 |
| Noncurrent loans to loans | 0.2849% | 2,216 |
| Net loans and leases to total assets | 57.6200% | 3,059 |
| Net loans and leases to deposits | 67.5487% | 3,011 |
| Net loans and leases to core deposits | 69.6166% | 3,227 |
| Total domestic deposits to total assets | 85.3100% | 2,412 |
| Equity capital to assets | 8.2197% | 2,907 |
| Core capital (leverage) ratio | 9.3794% | 3,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0482% | 1,878 |
| Memoranda: | ||
| Average total assets | $3,403,254,250 | 364 |
| Average earning assets | $3,236,097,000 | 349 |
| Average equity | $290,951,250 | 407 |
| Average total loans | $1,946,165,500 | 411 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0503% | 3,585 |
| Cost of funding earning assets | 0.9504% | 2,769 |
| Net interest margin | 3.0999% | 3,226 |
| Noninterest income to average assets | 0.8100% | 840 |
| Noninterest expense to average assets | 1.9437% | 3,729 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.3951% | 1,349 |
| Return on assets (ROA) | 1.3951% | 1,323 |
| Pretax return on assets | 1.7666% | 1,083 |
| Return on Equity (ROE) | 16.1100% | 1,246 |
| Retained earnings to average equity (ytd only) | 5.8683% | 2,670 |
| Net charge-offs to loans | -0.0031% | 3,615 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.7384% | 3,868 |
| Assets per employee ($millions) | 6.1553% | 2,576 |
| Cash dividends to net income (ytd only)* | 63.5719% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 2,187 |
| Loan loss allowance to noncurrent loans | 386.9186% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 1,815 |
| Noncurrent loans to loans | 0.3221% | 1,982 |
| Net loans and leases to total assets | 57.8800% | 2,975 |
| Net loans and leases to deposits | 66.4948% | 3,035 |
| Net loans and leases to core deposits | 68.1312% | 3,225 |
| Total domestic deposits to total assets | 87.0500% | 1,915 |
| Equity capital to assets | 8.8601% | 2,623 |
| Core capital (leverage) ratio | 9.2884% | 3,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1896% | 1,819 |
| Memoranda: | ||
| Average total assets | $3,393,886,667 | 352 |
| Average earning assets | $3,228,112,333 | 338 |
| Average equity | $293,919,333 | 392 |
| Average total loans | $1,927,607,667 | 399 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9628% | 3,523 |
| Cost of funding earning assets | 0.8208% | 2,653 |
| Net interest margin | 3.1420% | 3,258 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 1.8681% | 3,920 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.4011% | 1,405 |
| Return on assets (ROA) | 1.4011% | 1,384 |
| Pretax return on assets | 1.7933% | 1,078 |
| Return on Equity (ROE) | 16.3600% | 1,285 |
| Retained earnings to average equity (ytd only) | 6.1265% | 2,730 |
| Net charge-offs to loans | -0.0121% | 3,916 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.1697% | 4,011 |
| Assets per employee ($millions) | 6.1331% | 2,649 |
| Cash dividends to net income (ytd only)* | 62.5573% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 2,530 |
| Loan loss allowance to noncurrent loans | 338.9806% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 1,613 |
| Noncurrent loans to loans | 0.3551% | 1,874 |
| Net loans and leases to total assets | 55.7800% | 3,050 |
| Net loans and leases to deposits | 63.3267% | 3,141 |
| Net loans and leases to core deposits | 64.7105% | 3,305 |
| Total domestic deposits to total assets | 88.0800% | 1,904 |
| Equity capital to assets | 8.7846% | 2,670 |
| Core capital (leverage) ratio | 8.9817% | 3,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4310% | 1,817 |
| Memoranda: | ||
| Average total assets | $3,422,756,000 | 364 |
| Average earning assets | $3,215,420,000 | 348 |
| Average equity | $293,086,000 | 398 |
| Average total loans | $1,913,734,000 | 412 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0426% | 4,083 |
| Cost of funding earning assets | 0.4501% | 1,725 |
| Net interest margin | 2.5925% | 4,189 |
| Noninterest income to average assets | 0.8300% | 937 |
| Noninterest expense to average assets | 1.9252% | 3,779 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.0737% | 2,288 |
| Return on assets (ROA) | 1.0610% | 2,273 |
| Pretax return on assets | 1.3309% | 1,995 |
| Return on Equity (ROE) | 13.0100% | 1,807 |
| Retained earnings to average equity (ytd only) | 8.7037% | 1,567 |
| Net charge-offs to loans | 0.1803% | 459 |
| Credit loss provision to net charge-offs | -5.5606% | 4,546 |
| Earnings coverage of net charge-offs (x) | 14.2469% | 2,038 |
| Efficiency ratio | 57.8128% | 3,364 |
| Assets per employee ($millions) | 6.3956% | 2,424 |
| Cash dividends to net income (ytd only)* | 33.0794% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8877% | 3,820 |
| Loan loss allowance to noncurrent loans | 221.0684% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.4169% | 1,234 |
| Noncurrent loans to loans | 0.4016% | 1,721 |
| Net loans and leases to total assets | 54.8800% | 3,126 |
| Net loans and leases to deposits | 61.8379% | 3,209 |
| Net loans and leases to core deposits | 63.2985% | 3,308 |
| Total domestic deposits to total assets | 88.7500% | 1,796 |
| Equity capital to assets | 8.3459% | 2,818 |
| Core capital (leverage) ratio | 8.7280% | 3,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0334% | 1,967 |
| Memoranda: | ||
| Average total assets | $3,475,997,000 | 346 |
| Average earning assets | $3,265,560,200 | 331 |
| Average equity | $283,568,800 | 398 |
| Average total loans | $1,815,234,200 | 407 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8025% | 4,194 |
| Cost of funding earning assets | 0.3712% | 1,515 |
| Net interest margin | 2.4313% | 4,284 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 1.9136% | 3,720 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 0.9779% | 2,552 |
| Return on assets (ROA) | 0.9610% | 2,596 |
| Pretax return on assets | 1.2009% | 2,362 |
| Return on Equity (ROE) | 11.8500% | 2,082 |
| Retained earnings to average equity (ytd only) | 6.0848% | 2,724 |
| Net charge-offs to loans | 0.0965% | 635 |
| Credit loss provision to net charge-offs | -14.0432% | 4,614 |
| Earnings coverage of net charge-offs (x) | 24.4699% | 1,626 |
| Efficiency ratio | 59.9946% | 3,113 |
| Assets per employee ($millions) | 6.2994% | 2,491 |
| Cash dividends to net income (ytd only)* | 48.6405% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 3,294 |
| Loan loss allowance to noncurrent loans | 159.5328% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.4738% | 1,138 |
| Noncurrent loans to loans | 0.6532% | 1,250 |
| Net loans and leases to total assets | 51.7600% | 3,303 |
| Net loans and leases to deposits | 58.1650% | 3,330 |
| Net loans and leases to core deposits | 59.5379% | 3,417 |
| Total domestic deposits to total assets | 88.9800% | 2,101 |
| Equity capital to assets | 7.5248% | 3,208 |
| Core capital (leverage) ratio | 8.4199% | 4,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1464% | 1,996 |
| Memoranda: | ||
| Average total assets | $3,479,987,750 | 350 |
| Average earning assets | $3,269,052,250 | 336 |
| Average equity | $282,268,500 | 403 |
| Average total loans | $1,790,043,500 | 409 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6120% | 4,266 |
| Cost of funding earning assets | 0.3068% | 1,666 |
| Net interest margin | 2.3052% | 4,328 |
| Noninterest income to average assets | 0.8233% | 997 |
| Noninterest expense to average assets | 1.9058% | 3,686 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8823% | 2,661 |
| Return on assets (ROA) | 0.8823% | 2,634 |
| Pretax return on assets | 1.0822% | 2,477 |
| Return on Equity (ROE) | 10.6214% | 2,128 |
| Retained earnings to average equity (ytd only) | 2.1780% | 3,702 |
| Net charge-offs to loans | 0.0278% | 1,167 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 76.2105% | 959 |
| Efficiency ratio | 62.5601% | 2,974 |
| Assets per employee ($millions) | 6.1199% | 2,637 |
| Cash dividends to net income (ytd only)* | 79.4944% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 3,082 |
| Loan loss allowance to noncurrent loans | 149.9333% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 1,053 |
| Noncurrent loans to loans | 0.7463% | 1,150 |
| Net loans and leases to total assets | 51.6679% | 3,196 |
| Net loans and leases to deposits | 58.2538% | 3,204 |
| Net loans and leases to core deposits | 59.8333% | 3,278 |
| Total domestic deposits to total assets | 88.6946% | 2,297 |
| Equity capital to assets | 7.8891% | 3,210 |
| Core capital (leverage) ratio | 8.1618% | 4,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9300% | 2,087 |
| Memoranda: | ||
| Average total assets | $3,478,801,000 | 342 |
| Average earning assets | $3,266,849,667 | 336 |
| Average equity | $288,981,667 | 399 |
| Average total loans | $1,779,392,000 | 402 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4987% | 4,269 |
| Cost of funding earning assets | 0.2590% | 2,055 |
| Net interest margin | 2.2397% | 4,302 |
| Noninterest income to average assets | 0.7786% | 1,091 |
| Noninterest expense to average assets | 1.8307% | 3,864 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8428% | 2,511 |
| Return on assets (ROA) | 0.8428% | 2,505 |
| Pretax return on assets | 1.0498% | 2,296 |
| Return on Equity (ROE) | 9.8990% | 1,997 |
| Retained earnings to average equity (ytd only) | 1.9550% | 3,556 |
| Net charge-offs to loans | 0.0412% | 868 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 50.3187% | 924 |
| Efficiency ratio | 62.2970% | 3,230 |
| Assets per employee ($millions) | 6.2487% | 2,600 |
| Cash dividends to net income (ytd only)* | 80.2503% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 3,160 |
| Loan loss allowance to noncurrent loans | 136.4964% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5757% | 1,032 |
| Noncurrent loans to loans | 0.8345% | 1,125 |
| Net loans and leases to total assets | 50.3067% | 3,143 |
| Net loans and leases to deposits | 57.1083% | 3,165 |
| Net loans and leases to core deposits | 59.1820% | 3,217 |
| Total domestic deposits to total assets | 88.0900% | 2,482 |
| Equity capital to assets | 8.0909% | 3,498 |
| Core capital (leverage) ratio | 8.1824% | 4,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2765% | 2,085 |
| Memoranda: | ||
| Average total assets | $3,489,327,500 | 343 |
| Average earning assets | $3,274,664,000 | 337 |
| Average equity | $297,080,500 | 402 |
| Average total loans | $1,765,706,000 | 404 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7248% | 4,289 |
| Cost of funding earning assets | 0.3480% | 1,951 |
| Net interest margin | 2.3768% | 4,348 |
| Noninterest income to average assets | 1.0242% | 954 |
| Noninterest expense to average assets | 2.0297% | 3,583 |
| Loan and lease loss provision to assets | -0.0452% | 4,328 |
| Net operating income to assets | 1.0108% | 2,628 |
| Return on assets (ROA) | 1.0148% | 2,692 |
| Pretax return on assets | 1.2564% | 2,498 |
| Return on Equity (ROE) | 10.8458% | 2,217 |
| Retained earnings to average equity (ytd only) | 4.8412% | 2,844 |
| Net charge-offs to loans | 0.0219% | 1,824 |
| Credit loss provision to net charge-offs | -399.7368% | 3,693 |
| Earnings coverage of net charge-offs (x) | 106.7947% | 850 |
| Efficiency ratio | 61.3957% | 2,953 |
| Assets per employee ($millions) | 6.1257% | 2,638 |
| Cash dividends to net income (ytd only)* | 55.3635% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 3,027 |
| Loan loss allowance to noncurrent loans | 141.2674% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.5760% | 1,148 |
| Noncurrent loans to loans | 0.8274% | 1,235 |
| Net loans and leases to total assets | 49.7301% | 3,318 |
| Net loans and leases to deposits | 57.4436% | 3,301 |
| Net loans and leases to core deposits | 59.4959% | 3,355 |
| Total domestic deposits to total assets | 86.5719% | 2,683 |
| Equity capital to assets | 8.9394% | 3,691 |
| Core capital (leverage) ratio | 8.1079% | 4,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9163% | 1,882 |
| Memoranda: | ||
| Average total assets | $3,363,995,000 | 345 |
| Average earning assets | $3,130,514,600 | 339 |
| Average equity | $314,759,000 | 386 |
| Average total loans | $1,733,996,400 | 402 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7730% | 4,329 |
| Cost of funding earning assets | 0.3616% | 2,004 |
| Net interest margin | 2.4113% | 4,386 |
| Noninterest income to average assets | 1.0395% | 1,003 |
| Noninterest expense to average assets | 1.9405% | 3,836 |
| Loan and lease loss provision to assets | -0.0607% | 4,496 |
| Net operating income to assets | 1.1239% | 2,466 |
| Return on assets (ROA) | 1.1292% | 2,502 |
| Pretax return on assets | 1.4083% | 2,302 |
| Return on Equity (ROE) | 11.9292% | 2,073 |
| Retained earnings to average equity (ytd only) | 8.3815% | 1,923 |
| Net charge-offs to loans | 0.0108% | 1,926 |
| Credit loss provision to net charge-offs | -1,085.0000% | 3,874 |
| Earnings coverage of net charge-offs (x) | 239.5929% | 496 |
| Efficiency ratio | 57.8079% | 3,297 |
| Assets per employee ($millions) | 6.0947% | 2,590 |
| Cash dividends to net income (ytd only)* | 29.7398% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,864 |
| Loan loss allowance to noncurrent loans | 123.1428% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.6433% | 1,180 |
| Noncurrent loans to loans | 0.9960% | 1,156 |
| Net loans and leases to total assets | 48.5053% | 3,573 |
| Net loans and leases to deposits | 57.4314% | 3,452 |
| Net loans and leases to core deposits | 59.6843% | 3,490 |
| Total domestic deposits to total assets | 84.4578% | 3,317 |
| Equity capital to assets | 9.3375% | 3,518 |
| Core capital (leverage) ratio | 8.4358% | 4,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6440% | 1,741 |
| Memoranda: | ||
| Average total assets | $3,335,146,000 | 346 |
| Average earning assets | $3,100,896,750 | 342 |
| Average equity | $315,689,250 | 385 |
| Average total loans | $1,729,803,750 | 406 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7754% | 4,378 |
| Cost of funding earning assets | 0.3734% | 2,103 |
| Net interest margin | 2.4020% | 4,417 |
| Noninterest income to average assets | 1.0814% | 954 |
| Noninterest expense to average assets | 1.9662% | 3,797 |
| Loan and lease loss provision to assets | -0.0920% | 4,609 |
| Net operating income to assets | 1.1593% | 2,337 |
| Return on assets (ROA) | 1.1674% | 2,364 |
| Pretax return on assets | 1.4484% | 2,180 |
| Return on Equity (ROE) | 12.2760% | 1,955 |
| Retained earnings to average equity (ytd only) | 11.8937% | 943 |
| Net charge-offs to loans | 0.0146% | 1,659 |
| Credit loss provision to net charge-offs | -1,196.0630% | 3,704 |
| Earnings coverage of net charge-offs (x) | 174.9764% | 537 |
| Efficiency ratio | 58.0082% | 3,288 |
| Assets per employee ($millions) | 5.9714% | 2,642 |
| Cash dividends to net income (ytd only)* | 3.1138% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 2,803 |
| Loan loss allowance to noncurrent loans | 119.4821% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.6853% | 1,199 |
| Noncurrent loans to loans | 1.0239% | 1,198 |
| Net loans and leases to total assets | 49.4036% | 3,616 |
| Net loans and leases to deposits | 58.4831% | 3,497 |
| Net loans and leases to core deposits | 61.2338% | 3,526 |
| Total domestic deposits to total assets | 84.4750% | 3,288 |
| Equity capital to assets | 9.4688% | 3,366 |
| Core capital (leverage) ratio | 8.5617% | 3,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6748% | 1,730 |
| Memoranda: | ||
| Average total assets | $3,301,056,333 | 345 |
| Average earning assets | $3,066,403,000 | 341 |
| Average equity | $313,930,000 | 382 |
| Average total loans | $1,743,727,667 | 406 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8191% | 4,357 |
| Cost of funding earning assets | 0.3836% | 2,229 |
| Net interest margin | 2.4355% | 4,379 |
| Noninterest income to average assets | 1.0569% | 1,047 |
| Noninterest expense to average assets | 1.9678% | 3,812 |
| Loan and lease loss provision to assets | 0.0034% | 2,707 |
| Net operating income to assets | 1.0535% | 2,622 |
| Return on assets (ROA) | 1.0535% | 2,704 |
| Pretax return on assets | 1.3459% | 2,445 |
| Return on Equity (ROE) | 11.0535% | 2,354 |
| Retained earnings to average equity (ytd only) | 10.6671% | 1,478 |
| Net charge-offs to loans | 0.0208% | 1,321 |
| Credit loss provision to net charge-offs | 30.4348% | 1,386 |
| Earnings coverage of net charge-offs (x) | 119.4891% | 550 |
| Efficiency ratio | 57.9300% | 3,309 |
| Assets per employee ($millions) | 5.8013% | 2,798 |
| Cash dividends to net income (ytd only)* | 3.4953% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 2,599 |
| Loan loss allowance to noncurrent loans | 124.0349% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.7826% | 1,148 |
| Noncurrent loans to loans | 1.0181% | 1,314 |
| Net loans and leases to total assets | 52.2712% | 3,420 |
| Net loans and leases to deposits | 61.9147% | 3,324 |
| Net loans and leases to core deposits | 64.8213% | 3,333 |
| Total domestic deposits to total assets | 84.4246% | 3,307 |
| Equity capital to assets | 9.2821% | 3,415 |
| Core capital (leverage) ratio | 8.4354% | 4,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9255% | 1,918 |
| Memoranda: | ||
| Average total assets | $3,258,698,500 | 347 |
| Average earning assets | $3,024,266,000 | 343 |
| Average equity | $310,599,500 | 382 |
| Average total loans | $1,768,886,500 | 400 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2712% | 4,366 |
| Cost of funding earning assets | 0.5771% | 2,471 |
| Net interest margin | 2.6941% | 4,387 |
| Noninterest income to average assets | 1.1769% | 791 |
| Noninterest expense to average assets | 2.2082% | 3,646 |
| Loan and lease loss provision to assets | 0.3237% | 1,129 |
| Net operating income to assets | 0.9320% | 2,552 |
| Return on assets (ROA) | 0.9480% | 2,638 |
| Pretax return on assets | 1.1731% | 2,429 |
| Return on Equity (ROE) | 9.5534% | 2,179 |
| Retained earnings to average equity (ytd only) | 5.7273% | 1,944 |
| Net charge-offs to loans | 0.1515% | 1,075 |
| Credit loss provision to net charge-offs | 372.4603% | 1,518 |
| Earnings coverage of net charge-offs (x) | 16.9972% | 2,103 |
| Efficiency ratio | 58.3451% | 3,678 |
| Assets per employee ($millions) | 5.4018% | 2,953 |
| Cash dividends to net income (ytd only)* | 40.0495% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 2,608 |
| Loan loss allowance to noncurrent loans | 147.0410% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.7462% | 1,380 |
| Noncurrent loans to loans | 0.8583% | 1,647 |
| Net loans and leases to total assets | 54.9864% | 3,391 |
| Net loans and leases to deposits | 66.1699% | 3,253 |
| Net loans and leases to core deposits | 69.4244% | 3,288 |
| Total domestic deposits to total assets | 83.0988% | 3,381 |
| Equity capital to assets | 9.7928% | 3,324 |
| Core capital (leverage) ratio | 8.6758% | 4,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5308% | 2,042 |
| Memoranda: | ||
| Average total assets | $2,899,954,400 | 352 |
| Average earning assets | $2,700,041,400 | 345 |
| Average equity | $287,762,400 | 383 |
| Average total loans | $1,663,083,600 | 408 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3137% | 4,459 |
| Cost of funding earning assets | 0.6242% | 2,465 |
| Net interest margin | 2.6895% | 4,479 |
| Noninterest income to average assets | 1.1330% | 820 |
| Noninterest expense to average assets | 2.2227% | 3,628 |
| Loan and lease loss provision to assets | 0.4204% | 802 |
| Net operating income to assets | 0.6994% | 3,460 |
| Return on assets (ROA) | 0.7172% | 3,504 |
| Pretax return on assets | 1.0202% | 2,993 |
| Return on Equity (ROE) | 7.2014% | 3,120 |
| Retained earnings to average equity (ytd only) | 2.2762% | 3,834 |
| Net charge-offs to loans | 0.2006% | 760 |
| Credit loss provision to net charge-offs | 362.4949% | 1,566 |
| Earnings coverage of net charge-offs (x) | 12.2271% | 2,257 |
| Efficiency ratio | 59.4095% | 3,465 |
| Assets per employee ($millions) | 5.0840% | 3,136 |
| Cash dividends to net income (ytd only)* | 68.3924% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 2,429 |
| Loan loss allowance to noncurrent loans | 107.3478% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.8897% | 1,297 |
| Noncurrent loans to loans | 1.1580% | 1,308 |
| Net loans and leases to total assets | 58.1555% | 3,401 |
| Net loans and leases to deposits | 70.0142% | 3,315 |
| Net loans and leases to core deposits | 73.5511% | 3,354 |
| Total domestic deposits to total assets | 83.0624% | 3,134 |
| Equity capital to assets | 9.9727% | 3,253 |
| Core capital (leverage) ratio | 8.5887% | 4,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3796% | 2,040 |
| Memoranda: | ||
| Average total assets | $2,829,525,250 | 353 |
| Average earning assets | $2,638,147,000 | 341 |
| Average equity | $281,809,250 | 383 |
| Average total loans | $1,635,892,250 | 407 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4272% | 4,512 |
| Cost of funding earning assets | 0.6844% | 2,478 |
| Net interest margin | 2.7428% | 4,516 |
| Noninterest income to average assets | 1.0434% | 911 |
| Noninterest expense to average assets | 2.2635% | 3,611 |
| Loan and lease loss provision to assets | 0.2442% | 1,725 |
| Net operating income to assets | 0.8207% | 2,969 |
| Return on assets (ROA) | 0.8403% | 3,012 |
| Pretax return on assets | 1.1154% | 2,664 |
| Return on Equity (ROE) | 8.4410% | 2,587 |
| Retained earnings to average equity (ytd only) | 0.8984% | 4,120 |
| Net charge-offs to loans | 0.0452% | 1,844 |
| Credit loss provision to net charge-offs | 940.2778% | 823 |
| Earnings coverage of net charge-offs (x) | 51.4056% | 1,082 |
| Efficiency ratio | 61.1891% | 3,251 |
| Assets per employee ($millions) | 5.0241% | 3,147 |
| Cash dividends to net income (ytd only)* | 89.3562% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 3,131 |
| Loan loss allowance to noncurrent loans | 83.0881% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.9808% | 1,227 |
| Noncurrent loans to loans | 1.3103% | 1,179 |
| Net loans and leases to total assets | 56.7707% | 3,626 |
| Net loans and leases to deposits | 68.6704% | 3,511 |
| Net loans and leases to core deposits | 72.2297% | 3,579 |
| Total domestic deposits to total assets | 82.6713% | 3,185 |
| Equity capital to assets | 9.9469% | 3,259 |
| Core capital (leverage) ratio | 8.8842% | 4,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4619% | 2,014 |
| Memoranda: | ||
| Average total assets | $2,772,843,000 | 352 |
| Average earning assets | $2,582,892,333 | 339 |
| Average equity | $276,032,667 | 389 |
| Average total loans | $1,592,398,667 | 412 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7444% | 4,312 |
| Cost of funding earning assets | 0.7679% | 2,558 |
| Net interest margin | 2.9765% | 4,323 |
| Noninterest income to average assets | 0.9422% | 973 |
| Noninterest expense to average assets | 2.3284% | 3,703 |
| Loan and lease loss provision to assets | 0.1980% | 1,531 |
| Net operating income to assets | 0.8809% | 2,581 |
| Return on assets (ROA) | 0.9213% | 2,561 |
| Pretax return on assets | 1.2358% | 2,083 |
| Return on Equity (ROE) | 9.2504% | 2,011 |
| Retained earnings to average equity (ytd only) | -5.7519% | 4,569 |
| Net charge-offs to loans | 0.0544% | 1,467 |
| Credit loss provision to net charge-offs | 633.9713% | 765 |
| Earnings coverage of net charge-offs (x) | 44.2775% | 975 |
| Efficiency ratio | 60.9630% | 3,622 |
| Assets per employee ($millions) | 4.5002% | 3,261 |
| Cash dividends to net income (ytd only)* | 162.1797% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 3,274 |
| Loan loss allowance to noncurrent loans | 70.9988% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.1711% | 1,072 |
| Noncurrent loans to loans | 1.5324% | 1,035 |
| Net loans and leases to total assets | 56.1247% | 3,829 |
| Net loans and leases to deposits | 67.5734% | 3,756 |
| Net loans and leases to core deposits | 72.2524% | 3,747 |
| Total domestic deposits to total assets | 83.0574% | 3,092 |
| Equity capital to assets | 10.2809% | 3,535 |
| Core capital (leverage) ratio | 9.1968% | 4,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1879% | 2,200 |
| Memoranda: | ||
| Average total assets | $2,677,168,000 | 347 |
| Average earning assets | $2,490,440,000 | 340 |
| Average equity | $266,626,500 | 395 |
| Average total loans | $1,537,940,500 | 416 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9119% | 4,414 |
| Cost of funding earning assets | 0.8070% | 2,647 |
| Net interest margin | 3.1049% | 4,354 |
| Noninterest income to average assets | 1.0239% | 923 |
| Noninterest expense to average assets | 2.4954% | 3,462 |
| Loan and lease loss provision to assets | 0.1411% | 1,509 |
| Net operating income to assets | 1.0337% | 2,719 |
| Return on assets (ROA) | 1.0511% | 2,747 |
| Pretax return on assets | 1.3090% | 2,480 |
| Return on Equity (ROE) | 11.2379% | 1,796 |
| Retained earnings to average equity (ytd only) | 7.6710% | 1,091 |
| Net charge-offs to loans | 0.2898% | 721 |
| Credit loss provision to net charge-offs | 81.2013% | 2,780 |
| Earnings coverage of net charge-offs (x) | 8.2198% | 2,793 |
| Efficiency ratio | 61.6493% | 3,429 |
| Assets per employee ($millions) | 4.3875% | 3,390 |
| Cash dividends to net income (ytd only)* | 31.7396% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 3,505 |
| Loan loss allowance to noncurrent loans | 69.7009% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.1129% | 1,091 |
| Noncurrent loans to loans | 1.4355% | 1,021 |
| Net loans and leases to total assets | 57.5765% | 3,803 |
| Net loans and leases to deposits | 69.3659% | 3,719 |
| Net loans and leases to core deposits | 74.0266% | 3,721 |
| Total domestic deposits to total assets | 83.0040% | 3,191 |
| Equity capital to assets | 9.6343% | 4,237 |
| Core capital (leverage) ratio | 8.5008% | 4,845 |
| Tier 1 risk-based capital ratio | 12.0257% | 4,352 |
| Total risk-based capital ratio | 12.9220% | 4,426 |
| Memoranda: | ||
| Average total assets | $2,586,822,400 | 349 |
| Average earning assets | $2,415,989,600 | 340 |
| Average equity | $241,949,200 | 404 |
| Average total loans | $1,550,881,400 | 393 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9642% | 4,428 |
| Cost of funding earning assets | 0.7999% | 2,720 |
| Net interest margin | 3.1643% | 4,372 |
| Noninterest income to average assets | 1.0088% | 923 |
| Noninterest expense to average assets | 2.4752% | 3,506 |
| Loan and lease loss provision to assets | 0.1265% | 1,529 |
| Net operating income to assets | 1.1012% | 2,562 |
| Return on assets (ROA) | 1.1250% | 2,565 |
| Pretax return on assets | 1.3901% | 2,346 |
| Return on Equity (ROE) | 12.1221% | 1,576 |
| Retained earnings to average equity (ytd only) | 7.2934% | 1,718 |
| Net charge-offs to loans | 0.2491% | 710 |
| Credit loss provision to net charge-offs | 84.0925% | 2,453 |
| Earnings coverage of net charge-offs (x) | 9.8844% | 2,542 |
| Efficiency ratio | 60.4935% | 3,546 |
| Assets per employee ($millions) | 4.3208% | 3,453 |
| Cash dividends to net income (ytd only)* | 39.8338% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 3,422 |
| Loan loss allowance to noncurrent loans | 65.7217% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.2394% | 1,005 |
| Noncurrent loans to loans | 1.5607% | 954 |
| Net loans and leases to total assets | 58.9128% | 3,780 |
| Net loans and leases to deposits | 71.4522% | 3,642 |
| Net loans and leases to core deposits | 76.5106% | 3,662 |
| Total domestic deposits to total assets | 82.4506% | 3,334 |
| Equity capital to assets | 9.6131% | 4,372 |
| Core capital (leverage) ratio | 8.3233% | 5,022 |
| Tier 1 risk-based capital ratio | 11.7854% | 4,531 |
| Total risk-based capital ratio | 12.7100% | 4,589 |
| Memoranda: | ||
| Average total assets | $2,567,721,750 | 354 |
| Average earning assets | $2,396,900,250 | 345 |
| Average equity | $238,291,000 | 410 |
| Average total loans | $1,551,379,500 | 396 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8706% | 4,604 |
| Cost of funding earning assets | 0.7762% | 2,765 |
| Net interest margin | 3.0945% | 4,545 |
| Noninterest income to average assets | 0.9588% | 957 |
| Noninterest expense to average assets | 2.4702% | 3,573 |
| Loan and lease loss provision to assets | 0.1014% | 1,847 |
| Net operating income to assets | 0.9456% | 3,109 |
| Return on assets (ROA) | 0.9613% | 3,128 |
| Pretax return on assets | 1.2949% | 2,578 |
| Return on Equity (ROE) | 10.4859% | 2,181 |
| Retained earnings to average equity (ytd only) | 5.5279% | 2,504 |
| Net charge-offs to loans | 0.0484% | 1,951 |
| Credit loss provision to net charge-offs | 344.6809% | 815 |
| Earnings coverage of net charge-offs (x) | 46.7952% | 1,143 |
| Efficiency ratio | 62.1240% | 3,416 |
| Assets per employee ($millions) | 4.3459% | 3,375 |
| Cash dividends to net income (ytd only)* | 47.2819% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 3,058 |
| Loan loss allowance to noncurrent loans | 63.6307% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.2984% | 980 |
| Noncurrent loans to loans | 1.7325% | 875 |
| Net loans and leases to total assets | 59.4912% | 3,781 |
| Net loans and leases to deposits | 72.1808% | 3,673 |
| Net loans and leases to core deposits | 77.0264% | 3,647 |
| Total domestic deposits to total assets | 82.4197% | 3,396 |
| Equity capital to assets | 9.3130% | 4,565 |
| Core capital (leverage) ratio | 8.2670% | 5,075 |
| Tier 1 risk-based capital ratio | 11.0684% | 4,879 |
| Total risk-based capital ratio | 12.0464% | 4,905 |
| Memoranda: | ||
| Average total assets | $2,556,596,670 | 354 |
| Average earning assets | $2,385,861,000 | 349 |
| Average equity | $234,372,670 | 414 |
| Average total loans | $1,552,419,670 | 397 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8378% | 4,645 |
| Cost of funding earning assets | 0.7571% | 2,755 |
| Net interest margin | 3.0808% | 4,619 |
| Noninterest income to average assets | 0.9213% | 992 |
| Noninterest expense to average assets | 2.5067% | 3,491 |
| Loan and lease loss provision to assets | 0.0540% | 2,585 |
| Net operating income to assets | 0.9289% | 3,124 |
| Return on assets (ROA) | 0.9289% | 3,161 |
| Pretax return on assets | 1.2511% | 2,623 |
| Return on Equity (ROE) | 10.1604% | 2,297 |
| Retained earnings to average equity (ytd only) | 5.0612% | 2,880 |
| Net charge-offs to loans | 0.0194% | 2,070 |
| Credit loss provision to net charge-offs | 457.3770% | 642 |
| Earnings coverage of net charge-offs (x) | 110.6066% | 625 |
| Efficiency ratio | 63.4934% | 3,320 |
| Assets per employee ($millions) | 4.0439% | 3,857 |
| Cash dividends to net income (ytd only)* | 50.1874% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0711% | 3,286 |
| Loan loss allowance to noncurrent loans | 56.9936% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.4162% | 874 |
| Noncurrent loans to loans | 1.8794% | 810 |
| Net loans and leases to total assets | 60.2070% | 3,688 |
| Net loans and leases to deposits | 71.7212% | 3,621 |
| Net loans and leases to core deposits | 75.6877% | 3,677 |
| Total domestic deposits to total assets | 83.9460% | 3,065 |
| Equity capital to assets | 9.3538% | 4,383 |
| Core capital (leverage) ratio | 8.1160% | 5,179 |
| Tier 1 risk-based capital ratio | 11.1597% | 4,904 |
| Total risk-based capital ratio | 12.1262% | 4,937 |
| Memoranda: | ||
| Average total assets | $2,067,929,500 | 417 |
| Average earning assets | $1,940,156,000 | 408 |
| Average equity | $189,047,000 | 488 |
| Average total loans | $1,256,645,500 | 479 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7622% | 4,569 |
| Cost of funding earning assets | 0.5469% | 3,067 |
| Net interest margin | 3.2153% | 4,457 |
| Noninterest income to average assets | 1.0325% | 885 |
| Noninterest expense to average assets | 2.6275% | 3,252 |
| Loan and lease loss provision to assets | 0.0405% | 3,381 |
| Net operating income to assets | 0.9214% | 3,362 |
| Return on assets (ROA) | 0.9242% | 3,339 |
| Pretax return on assets | 1.3467% | 2,334 |
| Return on Equity (ROE) | 9.4790% | 2,756 |
| Retained earnings to average equity (ytd only) | -8.1408% | 5,295 |
| Net charge-offs to loans | 0.0878% | 1,899 |
| Credit loss provision to net charge-offs | 75.9890% | 2,916 |
| Earnings coverage of net charge-offs (x) | 25.9696% | 1,745 |
| Efficiency ratio | 63.0745% | 3,330 |
| Assets per employee ($millions) | 4.0735% | 3,786 |
| Cash dividends to net income (ytd only)* | 185.8825% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 3,403 |
| Loan loss allowance to noncurrent loans | 102.3414% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.8945% | 1,555 |
| Noncurrent loans to loans | 1.0232% | 1,599 |
| Net loans and leases to total assets | 60.0431% | 3,771 |
| Net loans and leases to deposits | 71.7304% | 3,691 |
| Net loans and leases to core deposits | 75.5527% | 3,748 |
| Total domestic deposits to total assets | 83.7067% | 3,081 |
| Equity capital to assets | 8.9319% | 4,631 |
| Core capital (leverage) ratio | 7.9933% | 5,237 |
| Tier 1 risk-based capital ratio | 11.0064% | 4,980 |
| Total risk-based capital ratio | 11.9614% | 4,997 |
| Memoranda: | ||
| Average total assets | $2,040,228,400 | 410 |
| Average earning assets | $1,890,005,600 | 408 |
| Average equity | $198,924,400 | 452 |
| Average total loans | $1,238,148,400 | 471 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7269% | 4,602 |
| Cost of funding earning assets | 0.4930% | 3,244 |
| Net interest margin | 3.2340% | 4,441 |
| Noninterest income to average assets | 1.0220% | 918 |
| Noninterest expense to average assets | 2.6330% | 3,190 |
| Loan and lease loss provision to assets | 0.0370% | 3,265 |
| Net operating income to assets | 0.8733% | 3,647 |
| Return on assets (ROA) | 0.8751% | 3,645 |
| Pretax return on assets | 1.3380% | 2,473 |
| Return on Equity (ROE) | 8.7862% | 3,200 |
| Retained earnings to average equity (ytd only) | 4.2840% | 3,625 |
| Net charge-offs to loans | 0.0583% | 1,988 |
| Credit loss provision to net charge-offs | 104.6382% | 2,191 |
| Earnings coverage of net charge-offs (x) | 38.7959% | 1,383 |
| Efficiency ratio | 63.2846% | 3,293 |
| Assets per employee ($millions) | 3.9167% | 4,022 |
| Cash dividends to net income (ytd only)* | 51.2416% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 3,154 |
| Loan loss allowance to noncurrent loans | 92.8532% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.0548% | 1,367 |
| Noncurrent loans to loans | 1.1910% | 1,421 |
| Net loans and leases to total assets | 60.7300% | 3,772 |
| Net loans and leases to deposits | 72.2903% | 3,749 |
| Net loans and leases to core deposits | 75.7459% | 3,821 |
| Total domestic deposits to total assets | 84.0085% | 2,939 |
| Equity capital to assets | 10.2868% | 3,351 |
| Core capital (leverage) ratio | 9.3318% | 4,361 |
| Tier 1 risk-based capital ratio | 12.9306% | 3,949 |
| Total risk-based capital ratio | 13.9373% | 3,987 |
| Memoranda: | ||
| Average total assets | $2,030,912,750 | 411 |
| Average earning assets | $1,873,816,500 | 408 |
| Average equity | $202,265,750 | 441 |
| Average total loans | $1,232,537,750 | 469 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6734% | 4,642 |
| Cost of funding earning assets | 0.4279% | 3,515 |
| Net interest margin | 3.2455% | 4,392 |
| Noninterest income to average assets | 0.9907% | 977 |
| Noninterest expense to average assets | 2.6534% | 3,153 |
| Loan and lease loss provision to assets | 0.0470% | 2,965 |
| Net operating income to assets | 0.6991% | 4,197 |
| Return on assets (ROA) | 0.7017% | 4,193 |
| Pretax return on assets | 1.2846% | 2,577 |
| Return on Equity (ROE) | 7.1211% | 3,865 |
| Retained earnings to average equity (ytd only) | 1.2381% | 4,707 |
| Net charge-offs to loans | 0.0538% | 1,835 |
| Credit loss provision to net charge-offs | 144.4444% | 1,611 |
| Earnings coverage of net charge-offs (x) | 40.8048% | 1,273 |
| Efficiency ratio | 64.2001% | 3,289 |
| Assets per employee ($millions) | 3.8619% | 4,116 |
| Cash dividends to net income (ytd only)* | 82.6135% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 3,208 |
| Loan loss allowance to noncurrent loans | 145.0853% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.7940% | 1,889 |
| Noncurrent loans to loans | 0.7644% | 2,208 |
| Net loans and leases to total assets | 60.7750% | 3,731 |
| Net loans and leases to deposits | 71.7655% | 3,729 |
| Net loans and leases to core deposits | 75.2725% | 3,793 |
| Total domestic deposits to total assets | 84.6856% | 2,800 |
| Equity capital to assets | 10.0904% | 3,545 |
| Core capital (leverage) ratio | 8.9793% | 4,708 |
| Tier 1 risk-based capital ratio | 12.5375% | 4,158 |
| Total risk-based capital ratio | 13.5564% | 4,186 |
| Memoranda: | ||
| Average total assets | $2,045,959,000 | 412 |
| Average earning assets | $1,885,510,670 | 407 |
| Average equity | $201,597,000 | 443 |
| Average total loans | $1,236,901,670 | 465 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6085% | 4,686 |
| Cost of funding earning assets | 0.4078% | 3,528 |
| Net interest margin | 3.2007% | 4,452 |
| Noninterest income to average assets | 0.9837% | 942 |
| Noninterest expense to average assets | 2.6699% | 3,133 |
| Loan and lease loss provision to assets | 0.0738% | 2,290 |
| Net operating income to assets | 0.3532% | 5,006 |
| Return on assets (ROA) | 0.3583% | 5,007 |
| Pretax return on assets | 1.1969% | 2,762 |
| Return on Equity (ROE) | 3.6794% | 4,851 |
| Retained earnings to average equity (ytd only) | -2.1918% | 5,026 |
| Net charge-offs to loans | 0.0779% | 1,348 |
| Credit loss provision to net charge-offs | 157.8512% | 1,204 |
| Earnings coverage of net charge-offs (x) | 27.0413% | 1,306 |
| Efficiency ratio | 64.4439% | 3,409 |
| Assets per employee ($millions) | 4.0424% | 3,906 |
| Cash dividends to net income (ytd only)* | 159.5687% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 3,333 |
| Loan loss allowance to noncurrent loans | 155.1209% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.7733% | 2,025 |
| Noncurrent loans to loans | 0.7138% | 2,429 |
| Net loans and leases to total assets | 59.8631% | 3,761 |
| Net loans and leases to deposits | 70.6430% | 3,732 |
| Net loans and leases to core deposits | 74.1634% | 3,812 |
| Total domestic deposits to total assets | 84.7403% | 3,022 |
| Equity capital to assets | 9.8361% | 3,758 |
| Core capital (leverage) ratio | 8.6166% | 5,046 |
| Tier 1 risk-based capital ratio | 12.3180% | 4,366 |
| Total risk-based capital ratio | 13.3340% | 4,394 |
| Memoranda: | ||
| Average total assets | $2,070,631,500 | 413 |
| Average earning assets | $1,908,704,000 | 408 |
| Average equity | $201,662,000 | 450 |
| Average total loans | $1,241,826,500 | 465 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5564% | 4,680 |
| Cost of funding earning assets | 0.3628% | 3,593 |
| Net interest margin | 3.1936% | 4,461 |
| Noninterest income to average assets | 1.1098% | 826 |
| Noninterest expense to average assets | 2.6085% | 3,418 |
| Loan and lease loss provision to assets | 0.1425% | 1,593 |
| Net operating income to assets | 1.2772% | 1,281 |
| Return on assets (ROA) | 1.2868% | 1,282 |
| Pretax return on assets | 1.3076% | 2,316 |
| Return on Equity (ROE) | 13.2907% | 886 |
| Retained earnings to average equity (ytd only) | -0.0325% | 5,026 |
| Net charge-offs to loans | 0.1080% | 1,989 |
| Credit loss provision to net charge-offs | 209.7643% | 1,302 |
| Earnings coverage of net charge-offs (x) | 21.2054% | 1,924 |
| Efficiency ratio | 62.5837% | 3,845 |
| Assets per employee ($millions) | 3.8921% | 4,134 |
| Cash dividends to net income (ytd only)* | 100.2444% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 3,142 |
| Loan loss allowance to noncurrent loans | 175.8347% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.7984% | 1,950 |
| Noncurrent loans to loans | 0.6461% | 2,608 |
| Net loans and leases to total assets | 60.0202% | 3,831 |
| Net loans and leases to deposits | 72.5238% | 3,645 |
| Net loans and leases to core deposits | 76.3947% | 3,707 |
| Total domestic deposits to total assets | 82.7593% | 3,644 |
| Equity capital to assets | 9.3473% | 4,380 |
| Core capital (leverage) ratio | 8.4635% | 5,171 |
| Tier 1 risk-based capital ratio | 11.7353% | 4,692 |
| Total risk-based capital ratio | 12.7859% | 4,724 |
| Memoranda: | ||
| Average total assets | $1,748,948,000 | 454 |
| Average earning assets | $1,609,641,600 | 447 |
| Average equity | $169,329,200 | 496 |
| Average total loans | $1,099,779,200 | 494 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5741% | 4,627 |
| Cost of funding earning assets | 0.3542% | 3,622 |
| Net interest margin | 3.2199% | 4,401 |
| Noninterest income to average assets | 1.1186% | 812 |
| Noninterest expense to average assets | 2.6265% | 3,334 |
| Loan and lease loss provision to assets | 0.1436% | 1,472 |
| Net operating income to assets | 1.2905% | 1,373 |
| Return on assets (ROA) | 1.3033% | 1,360 |
| Pretax return on assets | 1.3243% | 2,382 |
| Return on Equity (ROE) | 13.3416% | 970 |
| Retained earnings to average equity (ytd only) | 0.6574% | 5,074 |
| Net charge-offs to loans | 0.0992% | 1,792 |
| Credit loss provision to net charge-offs | 228.2051% | 1,221 |
| Earnings coverage of net charge-offs (x) | 23.1234% | 1,830 |
| Efficiency ratio | 62.5139% | 3,811 |
| Assets per employee ($millions) | 3.7514% | 4,369 |
| Cash dividends to net income (ytd only)* | 95.0725% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 3,402 |
| Loan loss allowance to noncurrent loans | 156.4781% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.9043% | 1,887 |
| Noncurrent loans to loans | 0.7136% | 2,573 |
| Net loans and leases to total assets | 62.7461% | 3,574 |
| Net loans and leases to deposits | 75.3777% | 3,431 |
| Net loans and leases to core deposits | 79.0741% | 3,529 |
| Total domestic deposits to total assets | 83.2423% | 3,382 |
| Equity capital to assets | 10.0244% | 3,885 |
| Core capital (leverage) ratio | 8.6722% | 5,089 |
| Tier 1 risk-based capital ratio | 11.8397% | 4,738 |
| Total risk-based capital ratio | 12.8786% | 4,753 |
| Memoranda: | ||
| Average total assets | $1,735,671,500 | 460 |
| Average earning assets | $1,596,985,500 | 456 |
| Average equity | $169,550,750 | 499 |
| Average total loans | $1,101,217,750 | 495 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5536% | 4,626 |
| Cost of funding earning assets | 0.3382% | 3,713 |
| Net interest margin | 3.2153% | 4,368 |
| Noninterest income to average assets | 1.1426% | 770 |
| Noninterest expense to average assets | 2.6439% | 3,293 |
| Loan and lease loss provision to assets | 0.1343% | 1,551 |
| Net operating income to assets | 1.3036% | 1,288 |
| Return on assets (ROA) | 1.3036% | 1,310 |
| Pretax return on assets | 1.3251% | 2,288 |
| Return on Equity (ROE) | 13.4605% | 935 |
| Retained earnings to average equity (ytd only) | -1.8606% | 5,336 |
| Net charge-offs to loans | 0.0925% | 1,693 |
| Credit loss provision to net charge-offs | 228.7671% | 1,145 |
| Earnings coverage of net charge-offs (x) | 24.8669% | 1,627 |
| Efficiency ratio | 62.6102% | 3,885 |
| Assets per employee ($millions) | 3.7760% | 4,311 |
| Cash dividends to net income (ytd only)* | 113.8226% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 3,648 |
| Loan loss allowance to noncurrent loans | 146.7431% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.6739% | 2,527 |
| Noncurrent loans to loans | 0.7421% | 2,541 |
| Net loans and leases to total assets | 62.1501% | 3,618 |
| Net loans and leases to deposits | 74.7252% | 3,474 |
| Net loans and leases to core deposits | 78.3890% | 3,563 |
| Total domestic deposits to total assets | 83.1715% | 3,516 |
| Equity capital to assets | 9.8863% | 4,043 |
| Core capital (leverage) ratio | 8.4784% | 5,232 |
| Tier 1 risk-based capital ratio | 11.7140% | 4,831 |
| Total risk-based capital ratio | 12.7286% | 4,864 |
| Memoranda: | ||
| Average total assets | $1,741,508,330 | 464 |
| Average earning assets | $1,603,577,670 | 456 |
| Average equity | $168,656,000 | 500 |
| Average total loans | $1,104,872,670 | 490 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4273% | 4,881 |
| Cost of funding earning assets | 0.3601% | 3,417 |
| Net interest margin | 3.0671% | 4,742 |
| Noninterest income to average assets | 1.0826% | 853 |
| Noninterest expense to average assets | 2.5116% | 3,775 |
| Loan and lease loss provision to assets | 0.1197% | 1,599 |
| Net operating income to assets | 1.2913% | 1,263 |
| Return on assets (ROA) | 1.2913% | 1,294 |
| Pretax return on assets | 1.3056% | 2,215 |
| Return on Equity (ROE) | 14.2933% | 751 |
| Retained earnings to average equity (ytd only) | 5.0970% | 2,831 |
| Net charge-offs to loans | 0.1105% | 1,285 |
| Credit loss provision to net charge-offs | 159.7744% | 1,167 |
| Earnings coverage of net charge-offs (x) | 19.0263% | 1,546 |
| Efficiency ratio | 62.9301% | 3,996 |
| Assets per employee ($millions) | 3.7121% | 4,488 |
| Cash dividends to net income (ytd only)* | 64.3402% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 3,361 |
| Loan loss allowance to noncurrent loans | 216.6990% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 3,317 |
| Noncurrent loans to loans | 0.5356% | 3,204 |
| Net loans and leases to total assets | 67.0234% | 2,815 |
| Net loans and leases to deposits | 80.9174% | 2,628 |
| Net loans and leases to core deposits | 85.2801% | 2,786 |
| Total domestic deposits to total assets | 82.8294% | 3,908 |
| Equity capital to assets | 9.1827% | 4,633 |
| Core capital (leverage) ratio | 8.5779% | 5,169 |
| Tier 1 risk-based capital ratio | 11.2065% | 5,199 |
| Total risk-based capital ratio | 12.2967% | 5,188 |
| Memoranda: | ||
| Average total assets | $1,420,310,500 | 547 |
| Average earning assets | $1,321,752,000 | 537 |
| Average equity | $128,311,500 | 644 |
| Average total loans | $963,281,500 | 565 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3928% | 4,997 |
| Cost of funding earning assets | 0.3655% | 3,363 |
| Net interest margin | 3.0273% | 4,902 |
| Noninterest income to average assets | 1.1337% | 886 |
| Noninterest expense to average assets | 2.5240% | 3,946 |
| Loan and lease loss provision to assets | 0.1109% | 2,216 |
| Net operating income to assets | 1.2884% | 1,238 |
| Return on assets (ROA) | 1.3952% | 1,048 |
| Pretax return on assets | 1.4175% | 1,871 |
| Return on Equity (ROE) | 14.1985% | 743 |
| Retained earnings to average equity (ytd only) | -13.1253% | 5,811 |
| Net charge-offs to loans | 0.1410% | 1,852 |
| Credit loss provision to net charge-offs | 124.2013% | 2,153 |
| Earnings coverage of net charge-offs (x) | 15.9002% | 2,160 |
| Efficiency ratio | 63.0214% | 4,104 |
| Assets per employee ($millions) | 3.7545% | 4,390 |
| Cash dividends to net income (ytd only)* | 192.4414% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 3,488 |
| Loan loss allowance to noncurrent loans | 205.4342% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.4905% | 3,296 |
| Noncurrent loans to loans | 0.5549% | 3,181 |
| Net loans and leases to total assets | 67.0426% | 2,922 |
| Net loans and leases to deposits | 80.8835% | 2,789 |
| Net loans and leases to core deposits | 85.0993% | 2,920 |
| Total domestic deposits to total assets | 82.8878% | 3,802 |
| Equity capital to assets | 8.9095% | 4,899 |
| Core capital (leverage) ratio | 8.3117% | 5,429 |
| Tier 1 risk-based capital ratio | 11.0785% | 5,297 |
| Total risk-based capital ratio | 12.1500% | 5,282 |
| Memoranda: | ||
| Average total assets | $1,402,454,800 | 533 |
| Average earning assets | $1,301,662,200 | 524 |
| Average equity | $137,810,600 | 575 |
| Average total loans | $888,059,800 | 572 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2609% | 5,264 |
| Cost of funding earning assets | 0.3283% | 3,795 |
| Net interest margin | 2.9325% | 5,125 |
| Noninterest income to average assets | 1.2911% | 696 |
| Noninterest expense to average assets | 2.7798% | 3,078 |
| Loan and lease loss provision to assets | 0.0973% | 2,281 |
| Net operating income to assets | 1.1334% | 1,867 |
| Return on assets (ROA) | 1.2956% | 1,408 |
| Pretax return on assets | 1.3191% | 2,348 |
| Return on Equity (ROE) | 13.0659% | 1,036 |
| Retained earnings to average equity (ytd only) | -13.4352% | 5,881 |
| Net charge-offs to loans | 0.1984% | 1,179 |
| Credit loss provision to net charge-offs | 81.3578% | 2,645 |
| Earnings coverage of net charge-offs (x) | 10.4548% | 2,572 |
| Efficiency ratio | 68.2138% | 3,190 |
| Assets per employee ($millions) | 3.2843% | 5,067 |
| Cash dividends to net income (ytd only)* | 202.8262% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 4,139 |
| Loan loss allowance to noncurrent loans | 142.8202% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.6157% | 3,063 |
| Noncurrent loans to loans | 0.7337% | 2,837 |
| Net loans and leases to total assets | 63.7252% | 3,439 |
| Net loans and leases to deposits | 75.3372% | 3,465 |
| Net loans and leases to core deposits | 78.1527% | 3,653 |
| Total domestic deposits to total assets | 84.5866% | 2,993 |
| Equity capital to assets | 9.4393% | 4,729 |
| Core capital (leverage) ratio | 8.7559% | 5,092 |
| Tier 1 risk-based capital ratio | 11.5729% | 5,044 |
| Total risk-based capital ratio | 12.5642% | 5,101 |
| Memoranda: | ||
| Average total assets | $1,034,115,000 | 698 |
| Average earning assets | $966,056,250 | 689 |
| Average equity | $102,544,000 | 775 |
| Average total loans | $623,749,000 | 796 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2557% | 5,356 |
| Cost of funding earning assets | 0.3296% | 3,800 |
| Net interest margin | 2.9261% | 5,218 |
| Noninterest income to average assets | 1.3465% | 630 |
| Noninterest expense to average assets | 2.7343% | 3,258 |
| Loan and lease loss provision to assets | 0.0756% | 2,623 |
| Net operating income to assets | 1.2474% | 1,438 |
| Return on assets (ROA) | 1.4637% | 1,001 |
| Pretax return on assets | 1.4897% | 1,703 |
| Return on Equity (ROE) | 14.5190% | 741 |
| Retained earnings to average equity (ytd only) | -21.6129% | 5,977 |
| Net charge-offs to loans | 0.1843% | 1,238 |
| Credit loss provision to net charge-offs | 69.6043% | 2,482 |
| Earnings coverage of net charge-offs (x) | 12.3831% | 2,189 |
| Efficiency ratio | 66.2836% | 3,636 |
| Assets per employee ($millions) | 3.3855% | 4,942 |
| Cash dividends to net income (ytd only)* | 248.8592% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 3,659 |
| Loan loss allowance to noncurrent loans | 156.0261% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.5886% | 3,258 |
| Noncurrent loans to loans | 0.7360% | 2,899 |
| Net loans and leases to total assets | 58.7384% | 4,048 |
| Net loans and leases to deposits | 68.3670% | 4,148 |
| Net loans and leases to core deposits | 69.7685% | 4,340 |
| Total domestic deposits to total assets | 85.9163% | 2,463 |
| Equity capital to assets | 9.5276% | 4,742 |
| Core capital (leverage) ratio | 8.7106% | 5,159 |
| Tier 1 risk-based capital ratio | 12.6029% | 4,444 |
| Total risk-based capital ratio | 13.6937% | 4,474 |
| Memoranda: | ||
| Average total assets | $1,024,116,670 | 702 |
| Average earning assets | $956,291,670 | 692 |
| Average equity | $103,243,670 | 770 |
| Average total loans | $603,236,330 | 818 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2660% | 5,384 |
| Cost of funding earning assets | 0.3359% | 3,773 |
| Net interest margin | 2.9301% | 5,262 |
| Noninterest income to average assets | 1.3204% | 630 |
| Noninterest expense to average assets | 2.7227% | 3,339 |
| Loan and lease loss provision to assets | 0.0036% | 3,623 |
| Net operating income to assets | 1.2992% | 1,255 |
| Return on assets (ROA) | 1.4638% | 959 |
| Pretax return on assets | 1.4958% | 1,607 |
| Return on Equity (ROE) | 14.1154% | 813 |
| Retained earnings to average equity (ytd only) | -34.6373% | 6,042 |
| Net charge-offs to loans | 0.0878% | 1,618 |
| Credit loss provision to net charge-offs | 6.9231% | 2,383 |
| Earnings coverage of net charge-offs (x) | 25.8538% | 1,283 |
| Efficiency ratio | 66.3963% | 3,732 |
| Assets per employee ($millions) | 3.2156% | 5,254 |
| Cash dividends to net income (ytd only)* | 345.3857% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 3,292 |
| Loan loss allowance to noncurrent loans | 178.3284% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5298% | 3,485 |
| Noncurrent loans to loans | 0.6911% | 3,117 |
| Net loans and leases to total assets | 57.0445% | 4,143 |
| Net loans and leases to deposits | 66.8258% | 4,178 |
| Net loans and leases to core deposits | 68.2553% | 4,381 |
| Total domestic deposits to total assets | 85.3631% | 2,976 |
| Equity capital to assets | 9.9061% | 4,205 |
| Core capital (leverage) ratio | 9.1077% | 4,726 |
| Tier 1 risk-based capital ratio | 13.4246% | 4,030 |
| Total risk-based capital ratio | 14.5673% | 4,013 |
| Memoranda: | ||
| Average total assets | $1,009,728,500 | 713 |
| Average earning assets | $942,082,000 | 703 |
| Average equity | $104,708,000 | 767 |
| Average total loans | $592,035,500 | 832 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1938% | 5,523 |
| Cost of funding earning assets | 0.3612% | 3,568 |
| Net interest margin | 2.8326% | 5,458 |
| Noninterest income to average assets | 1.2750% | 736 |
| Noninterest expense to average assets | 2.6162% | 3,860 |
| Loan and lease loss provision to assets | 0.0782% | 2,722 |
| Net operating income to assets | 1.1923% | 1,578 |
| Return on assets (ROA) | 1.5465% | 814 |
| Pretax return on assets | 1.5696% | 1,342 |
| Return on Equity (ROE) | 14.9260% | 694 |
| Retained earnings to average equity (ytd only) | 7.1197% | 1,229 |
| Net charge-offs to loans | 0.0392% | 3,443 |
| Credit loss provision to net charge-offs | 342.2594% | 874 |
| Earnings coverage of net charge-offs (x) | 56.4561% | 914 |
| Efficiency ratio | 66.2065% | 3,871 |
| Assets per employee ($millions) | 3.1551% | 5,344 |
| Cash dividends to net income (ytd only)* | 52.2997% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 3,287 |
| Loan loss allowance to noncurrent loans | 180.2009% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.5299% | 3,517 |
| Noncurrent loans to loans | 0.6834% | 3,155 |
| Net loans and leases to total assets | 58.7882% | 3,993 |
| Net loans and leases to deposits | 70.5345% | 3,863 |
| Net loans and leases to core deposits | 72.1085% | 4,125 |
| Total domestic deposits to total assets | 83.3467% | 3,730 |
| Equity capital to assets | 10.8397% | 2,987 |
| Core capital (leverage) ratio | 10.1327% | 3,345 |
| Tier 1 risk-based capital ratio | 14.9060% | 3,220 |
| Total risk-based capital ratio | 16.0849% | 3,192 |
| Memoranda: | ||
| Average total assets | $1,045,953,400 | 659 |
| Average earning assets | $971,567,600 | 652 |
| Average equity | $108,375,000 | 712 |
| Average total loans | $609,749,400 | 761 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1668% | 5,629 |
| Cost of funding earning assets | 0.3669% | 3,587 |
| Net interest margin | 2.7999% | 5,577 |
| Noninterest income to average assets | 1.2595% | 763 |
| Noninterest expense to average assets | 2.5447% | 4,068 |
| Loan and lease loss provision to assets | 0.0724% | 2,725 |
| Net operating income to assets | 1.2191% | 1,589 |
| Return on assets (ROA) | 1.5749% | 852 |
| Pretax return on assets | 1.5981% | 1,387 |
| Return on Equity (ROE) | 15.3685% | 681 |
| Retained earnings to average equity (ytd only) | 4.9512% | 2,949 |
| Net charge-offs to loans | 0.0664% | 2,626 |
| Credit loss provision to net charge-offs | 188.1967% | 1,402 |
| Earnings coverage of net charge-offs (x) | 34.0686% | 1,377 |
| Efficiency ratio | 65.2256% | 4,028 |
| Assets per employee ($millions) | 3.1309% | 5,388 |
| Cash dividends to net income (ytd only)* | 67.7830% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 3,620 |
| Loan loss allowance to noncurrent loans | 153.8663% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.5722% | 3,574 |
| Noncurrent loans to loans | 0.7834% | 3,004 |
| Net loans and leases to total assets | 58.3545% | 4,096 |
| Net loans and leases to deposits | 69.1812% | 4,076 |
| Net loans and leases to core deposits | 70.7537% | 4,299 |
| Total domestic deposits to total assets | 84.3502% | 3,283 |
| Equity capital to assets | 10.7879% | 3,254 |
| Core capital (leverage) ratio | 9.7164% | 4,013 |
| Tier 1 risk-based capital ratio | 14.7380% | 3,421 |
| Total risk-based capital ratio | 15.9014% | 3,404 |
| Memoranda: | ||
| Average total assets | $1,056,612,750 | 666 |
| Average earning assets | $979,818,750 | 653 |
| Average equity | $108,279,750 | 719 |
| Average total loans | $612,890,500 | 771 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3714% | 5,292 |
| Cost of funding earning assets | 0.3896% | 3,374 |
| Net interest margin | 2.9818% | 5,264 |
| Noninterest income to average assets | 1.2157% | 822 |
| Noninterest expense to average assets | 2.5488% | 4,075 |
| Loan and lease loss provision to assets | 0.0656% | 2,806 |
| Net operating income to assets | 1.3443% | 1,206 |
| Return on assets (ROA) | 1.4393% | 1,054 |
| Pretax return on assets | 1.4630% | 1,757 |
| Return on Equity (ROE) | 14.2744% | 851 |
| Retained earnings to average equity (ytd only) | 11.3515% | 460 |
| Net charge-offs to loans | 0.0852% | 2,188 |
| Credit loss provision to net charge-offs | 133.5849% | 1,664 |
| Earnings coverage of net charge-offs (x) | 29.1472% | 1,387 |
| Efficiency ratio | 63.0454% | 4,511 |
| Assets per employee ($millions) | 3.2887% | 5,182 |
| Cash dividends to net income (ytd only)* | 20.4765% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 4,174 |
| Loan loss allowance to noncurrent loans | 154.4861% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.5874% | 3,652 |
| Noncurrent loans to loans | 0.7323% | 3,283 |
| Net loans and leases to total assets | 57.8273% | 4,123 |
| Net loans and leases to deposits | 67.9075% | 4,145 |
| Net loans and leases to core deposits | 69.5460% | 4,364 |
| Total domestic deposits to total assets | 85.1560% | 3,063 |
| Equity capital to assets | 10.3292% | 3,652 |
| Core capital (leverage) ratio | 9.0402% | 4,904 |
| Tier 1 risk-based capital ratio | 13.8208% | 4,025 |
| Total risk-based capital ratio | 14.9251% | 4,046 |
| Memoranda: | ||
| Average total assets | $1,079,031,670 | 655 |
| Average earning assets | $1,000,479,330 | 650 |
| Average equity | $108,796,000 | 710 |
| Average total loans | $622,394,670 | 760 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3382% | 5,352 |
| Cost of funding earning assets | 0.4002% | 3,303 |
| Net interest margin | 2.9380% | 5,371 |
| Noninterest income to average assets | 1.1507% | 863 |
| Noninterest expense to average assets | 2.4602% | 4,404 |
| Loan and lease loss provision to assets | 0.0636% | 2,655 |
| Net operating income to assets | 1.3253% | 1,195 |
| Return on assets (ROA) | 1.5146% | 872 |
| Pretax return on assets | 1.5409% | 1,419 |
| Return on Equity (ROE) | 15.2063% | 683 |
| Retained earnings to average equity (ytd only) | 15.2063% | 269 |
| Net charge-offs to loans | 0.1664% | 1,272 |
| Credit loss provision to net charge-offs | 66.6667% | 1,941 |
| Earnings coverage of net charge-offs (x) | 14.8023% | 1,657 |
| Efficiency ratio | 62.5370% | 4,700 |
| Assets per employee ($millions) | 3.3697% | 5,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 4,332 |
| Loan loss allowance to noncurrent loans | 178.6932% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4590% | 4,196 |
| Noncurrent loans to loans | 0.6364% | 3,680 |
| Net loans and leases to total assets | 55.9556% | 4,206 |
| Net loans and leases to deposits | 65.6619% | 4,187 |
| Net loans and leases to core deposits | 67.3609% | 4,396 |
| Total domestic deposits to total assets | 85.2178% | 3,297 |
| Equity capital to assets | 10.2706% | 3,802 |
| Core capital (leverage) ratio | 8.7510% | 5,258 |
| Tier 1 risk-based capital ratio | 14.4698% | 3,739 |
| Total risk-based capital ratio | 15.6251% | 3,708 |
| Memoranda: | ||
| Average total assets | $1,082,496,500 | 656 |
| Average earning assets | $1,002,465,500 | 643 |
| Average equity | $107,824,000 | 715 |
| Average total loans | $620,061,000 | 752 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5753% | 5,149 |
| Cost of funding earning assets | 0.4717% | 2,963 |
| Net interest margin | 3.1036% | 5,196 |
| Noninterest income to average assets | 1.1392% | 936 |
| Noninterest expense to average assets | 2.5236% | 4,470 |
| Loan and lease loss provision to assets | 0.0714% | 3,057 |
| Net operating income to assets | 1.3776% | 1,124 |
| Return on assets (ROA) | 1.3782% | 1,163 |
| Pretax return on assets | 1.4025% | 1,878 |
| Return on Equity (ROE) | 14.8000% | 811 |
| Retained earnings to average equity (ytd only) | 10.7412% | 409 |
| Net charge-offs to loans | 0.1186% | 2,856 |
| Credit loss provision to net charge-offs | 103.1335% | 2,319 |
| Earnings coverage of net charge-offs (x) | 21.2943% | 1,683 |
| Efficiency ratio | 62.1404% | 4,890 |
| Assets per employee ($millions) | 3.4064% | 5,045 |
| Cash dividends to net income (ytd only)* | 27.4244% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 4,495 |
| Loan loss allowance to noncurrent loans | 174.0805% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.4624% | 4,265 |
| Noncurrent loans to loans | 0.6370% | 3,775 |
| Net loans and leases to total assets | 57.3100% | 4,152 |
| Net loans and leases to deposits | 68.1632% | 4,112 |
| Net loans and leases to core deposits | 70.9612% | 4,223 |
| Total domestic deposits to total assets | 84.0776% | 3,682 |
| Equity capital to assets | 9.6551% | 4,528 |
| Core capital (leverage) ratio | 8.2198% | 5,842 |
| Tier 1 risk-based capital ratio | 13.2538% | 4,563 |
| Total risk-based capital ratio | 14.4026% | 4,547 |
| Memoranda: | ||
| Average total assets | $1,060,932,000 | 635 |
| Average earning assets | $976,864,400 | 624 |
| Average equity | $98,797,000 | 741 |
| Average total loans | $618,780,000 | 706 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6039% | 5,131 |
| Cost of funding earning assets | 0.4905% | 2,854 |
| Net interest margin | 3.1134% | 5,216 |
| Noninterest income to average assets | 1.1403% | 926 |
| Noninterest expense to average assets | 2.4972% | 4,534 |
| Loan and lease loss provision to assets | 0.0902% | 2,551 |
| Net operating income to assets | 1.3939% | 1,142 |
| Return on assets (ROA) | 1.3947% | 1,184 |
| Pretax return on assets | 1.4189% | 1,935 |
| Return on Equity (ROE) | 15.1213% | 800 |
| Retained earnings to average equity (ytd only) | 11.7327% | 437 |
| Net charge-offs to loans | 0.0953% | 2,854 |
| Credit loss provision to net charge-offs | 162.0455% | 1,500 |
| Earnings coverage of net charge-offs (x) | 27.0887% | 1,465 |
| Efficiency ratio | 61.3402% | 4,983 |
| Assets per employee ($millions) | 3.3370% | 5,174 |
| Cash dividends to net income (ytd only)* | 22.4097% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 4,383 |
| Loan loss allowance to noncurrent loans | 154.6579% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.5990% | 4,052 |
| Noncurrent loans to loans | 0.7568% | 3,709 |
| Net loans and leases to total assets | 58.8360% | 3,958 |
| Net loans and leases to deposits | 68.6056% | 4,071 |
| Net loans and leases to core deposits | 69.5503% | 4,366 |
| Total domestic deposits to total assets | 85.7597% | 2,979 |
| Equity capital to assets | 9.8367% | 4,382 |
| Core capital (leverage) ratio | 8.2341% | 5,898 |
| Tier 1 risk-based capital ratio | 13.2224% | 4,716 |
| Total risk-based capital ratio | 14.4365% | 4,676 |
| Memoranda: | ||
| Average total assets | $1,053,653,000 | 632 |
| Average earning assets | $969,630,000 | 624 |
| Average equity | $97,185,000 | 752 |
| Average total loans | $615,547,250 | 707 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6765% | 4,931 |
| Cost of funding earning assets | 0.5179% | 2,655 |
| Net interest margin | 3.1586% | 5,067 |
| Noninterest income to average assets | 1.1189% | 946 |
| Noninterest expense to average assets | 2.5006% | 4,573 |
| Loan and lease loss provision to assets | 0.1059% | 2,253 |
| Net operating income to assets | 1.3944% | 1,080 |
| Return on assets (ROA) | 1.3957% | 1,118 |
| Pretax return on assets | 1.4197% | 1,819 |
| Return on Equity (ROE) | 15.4691% | 717 |
| Retained earnings to average equity (ytd only) | 12.9964% | 338 |
| Net charge-offs to loans | 0.0931% | 2,748 |
| Credit loss provision to net charge-offs | 195.8042% | 1,200 |
| Earnings coverage of net charge-offs (x) | 28.1888% | 1,313 |
| Efficiency ratio | 61.1330% | 5,128 |
| Assets per employee ($millions) | 3.4230% | 5,012 |
| Cash dividends to net income (ytd only)* | 15.9848% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 4,381 |
| Loan loss allowance to noncurrent loans | 194.8443% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5240% | 4,431 |
| Noncurrent loans to loans | 0.6210% | 4,163 |
| Net loans and leases to total assets | 56.0125% | 4,283 |
| Net loans and leases to deposits | 65.6631% | 4,303 |
| Net loans and leases to core deposits | 66.6049% | 4,583 |
| Total domestic deposits to total assets | 85.3029% | 3,360 |
| Equity capital to assets | 9.4037% | 4,842 |
| Core capital (leverage) ratio | 7.8848% | 6,163 |
| Tier 1 risk-based capital ratio | 13.2010% | 4,788 |
| Total risk-based capital ratio | 14.4494% | 4,718 |
| Memoranda: | ||
| Average total assets | $1,057,823,330 | 633 |
| Average earning assets | $973,206,330 | 616 |
| Average equity | $95,442,000 | 766 |
| Average total loans | $614,122,670 | 703 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6209% | 5,101 |
| Cost of funding earning assets | 0.5700% | 2,243 |
| Net interest margin | 3.0509% | 5,381 |
| Noninterest income to average assets | 1.0591% | 997 |
| Noninterest expense to average assets | 2.5262% | 4,534 |
| Loan and lease loss provision to assets | 0.1845% | 1,296 |
| Net operating income to assets | 1.1332% | 1,684 |
| Return on assets (ROA) | 1.1332% | 1,752 |
| Pretax return on assets | 1.1574% | 2,668 |
| Return on Equity (ROE) | 12.8309% | 1,201 |
| Retained earnings to average equity (ytd only) | 12.8309% | 506 |
| Net charge-offs to loans | 0.0740% | 2,407 |
| Credit loss provision to net charge-offs | 424.3478% | 622 |
| Earnings coverage of net charge-offs (x) | 30.8609% | 1,033 |
| Efficiency ratio | 64.2717% | 4,819 |
| Assets per employee ($millions) | 3.4632% | 5,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 4,664 |
| Loan loss allowance to noncurrent loans | 142.4559% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5983% | 4,355 |
| Noncurrent loans to loans | 0.8378% | 3,791 |
| Net loans and leases to total assets | 56.9028% | 4,018 |
| Net loans and leases to deposits | 67.1792% | 3,951 |
| Net loans and leases to core deposits | 68.1187% | 4,293 |
| Total domestic deposits to total assets | 84.7029% | 4,001 |
| Equity capital to assets | 8.9438% | 5,175 |
| Core capital (leverage) ratio | 7.5055% | 6,336 |
| Tier 1 risk-based capital ratio | 12.6536% | 5,221 |
| Total risk-based capital ratio | 13.9039% | 5,154 |
| Memoranda: | ||
| Average total assets | $1,057,879,000 | 635 |
| Average earning assets | $974,018,000 | 623 |
| Average equity | $93,431,000 | 780 |
| Average total loans | $621,330,500 | 690 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5612% | 5,505 |
| Cost of funding earning assets | 0.6465% | 2,232 |
| Net interest margin | 2.9147% | 5,763 |
| Noninterest income to average assets | 1.2905% | 835 |
| Noninterest expense to average assets | 2.5503% | 4,609 |
| Loan and lease loss provision to assets | 0.0451% | 4,217 |
| Net operating income to assets | 1.3558% | 1,121 |
| Return on assets (ROA) | 1.6606% | 634 |
| Pretax return on assets | 1.7007% | 952 |
| Return on Equity (ROE) | 14.5692% | 835 |
| Retained earnings to average equity (ytd only) | -16.3403% | 6,638 |
| Net charge-offs to loans | 0.1625% | 3,187 |
| Credit loss provision to net charge-offs | 48.7723% | 3,845 |
| Earnings coverage of net charge-offs (x) | 15.4989% | 1,861 |
| Efficiency ratio | 63.4363% | 4,992 |
| Assets per employee ($millions) | 3.4283% | 5,023 |
| Cash dividends to net income (ytd only)* | 212.1570% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 5,077 |
| Loan loss allowance to noncurrent loans | 131.6365% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.6356% | 4,324 |
| Noncurrent loans to loans | 0.8468% | 3,864 |
| Net loans and leases to total assets | 59.2362% | 3,839 |
| Net loans and leases to deposits | 68.9097% | 3,917 |
| Net loans and leases to core deposits | 70.3193% | 4,260 |
| Total domestic deposits to total assets | 85.9621% | 3,275 |
| Equity capital to assets | 8.7175% | 5,348 |
| Core capital (leverage) ratio | 6.9772% | 6,530 |
| Tier 1 risk-based capital ratio | 11.7269% | 5,790 |
| Total risk-based capital ratio | 12.8949% | 5,765 |
| Memoranda: | ||
| Average total assets | $967,888,200 | 679 |
| Average earning assets | $894,773,600 | 665 |
| Average equity | $110,322,000 | 639 |
| Average total loans | $551,300,400 | 765 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5775% | 5,506 |
| Cost of funding earning assets | 0.6651% | 2,218 |
| Net interest margin | 2.9124% | 5,786 |
| Noninterest income to average assets | 1.2479% | 939 |
| Noninterest expense to average assets | 2.4858% | 4,771 |
| Loan and lease loss provision to assets | 0.0115% | 4,769 |
| Net operating income to assets | 1.4134% | 1,075 |
| Return on assets (ROA) | 1.7884% | 558 |
| Pretax return on assets | 1.8296% | 840 |
| Return on Equity (ROE) | 14.7351% | 850 |
| Retained earnings to average equity (ytd only) | -1.2370% | 6,166 |
| Net charge-offs to loans | 0.1410% | 3,130 |
| Credit loss provision to net charge-offs | 14.5648% | 4,157 |
| Earnings coverage of net charge-offs (x) | 18.4280% | 1,683 |
| Efficiency ratio | 62.4742% | 5,067 |
| Assets per employee ($millions) | 3.5623% | 4,732 |
| Cash dividends to net income (ytd only)* | 108.3949% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 4,193 |
| Loan loss allowance to noncurrent loans | 150.5842% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.6819% | 4,410 |
| Noncurrent loans to loans | 0.8904% | 4,044 |
| Net loans and leases to total assets | 54.2542% | 4,573 |
| Net loans and leases to deposits | 65.7113% | 4,339 |
| Net loans and leases to core deposits | 69.8380% | 4,339 |
| Total domestic deposits to total assets | 82.5645% | 4,732 |
| Equity capital to assets | 11.5564% | 2,261 |
| Core capital (leverage) ratio | 10.8900% | 2,577 |
| Tier 1 risk-based capital ratio | 18.3341% | 2,206 |
| Total risk-based capital ratio | 19.5858% | 2,165 |
| Memoranda: | ||
| Average total assets | $948,450,750 | 701 |
| Average earning assets | $878,104,000 | 685 |
| Average equity | $115,114,250 | 622 |
| Average total loans | $532,531,000 | 788 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6996% | 5,144 |
| Cost of funding earning assets | 0.7019% | 2,049 |
| Net interest margin | 2.9976% | 5,572 |
| Noninterest income to average assets | 1.2868% | 934 |
| Noninterest expense to average assets | 2.5294% | 4,631 |
| Loan and lease loss provision to assets | 0.0173% | 4,555 |
| Net operating income to assets | 1.4884% | 921 |
| Return on assets (ROA) | 2.0176% | 369 |
| Pretax return on assets | 2.0593% | 533 |
| Return on Equity (ROE) | 16.3642% | 626 |
| Retained earnings to average equity (ytd only) | -2.0953% | 6,205 |
| Net charge-offs to loans | 0.1255% | 3,118 |
| Credit loss provision to net charge-offs | 24.3323% | 3,670 |
| Earnings coverage of net charge-offs (x) | 21.6558% | 1,405 |
| Efficiency ratio | 61.7026% | 5,216 |
| Assets per employee ($millions) | 3.5184% | 4,811 |
| Cash dividends to net income (ytd only)* | 112.8039% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 4,178 |
| Loan loss allowance to noncurrent loans | 251.9635% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 5,042 |
| Noncurrent loans to loans | 0.5430% | 4,898 |
| Net loans and leases to total assets | 55.1505% | 4,430 |
| Net loans and leases to deposits | 67.8221% | 4,043 |
| Net loans and leases to core deposits | 72.1734% | 4,012 |
| Total domestic deposits to total assets | 81.3165% | 5,257 |
| Equity capital to assets | 11.7229% | 2,107 |
| Core capital (leverage) ratio | 10.7767% | 2,592 |
| Tier 1 risk-based capital ratio | 18.2030% | 2,243 |
| Total risk-based capital ratio | 19.4550% | 2,203 |
| Memoranda: | ||
| Average total assets | $949,933,330 | 697 |
| Average earning assets | $880,690,670 | 680 |
| Average equity | $117,121,330 | 612 |
| Average total loans | $537,001,000 | 779 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5110% | 5,674 |
| Cost of funding earning assets | 0.7256% | 2,019 |
| Net interest margin | 2.7854% | 6,055 |
| Noninterest income to average assets | 1.1625% | 1,108 |
| Noninterest expense to average assets | 2.3995% | 5,121 |
| Loan and lease loss provision to assets | 0.0637% | 3,567 |
| Net operating income to assets | 1.2581% | 1,380 |
| Return on assets (ROA) | 2.1818% | 275 |
| Pretax return on assets | 2.2123% | 407 |
| Return on Equity (ROE) | 17.2775% | 489 |
| Retained earnings to average equity (ytd only) | 17.2775% | 222 |
| Net charge-offs to loans | 0.1687% | 2,390 |
| Credit loss provision to net charge-offs | 66.3755% | 2,341 |
| Earnings coverage of net charge-offs (x) | 14.0044% | 1,485 |
| Efficiency ratio | 63.5672% | 5,073 |
| Assets per employee ($millions) | 3.5699% | 4,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 4,324 |
| Loan loss allowance to noncurrent loans | 217.3554% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.5142% | 5,096 |
| Noncurrent loans to loans | 0.6359% | 4,857 |
| Net loans and leases to total assets | 54.9156% | 4,260 |
| Net loans and leases to deposits | 69.1473% | 3,619 |
| Net loans and leases to core deposits | 73.6610% | 3,624 |
| Total domestic deposits to total assets | 79.4183% | 5,893 |
| Equity capital to assets | 12.7650% | 1,552 |
| Core capital (leverage) ratio | 11.1870% | 2,108 |
| Tier 1 risk-based capital ratio | 19.1904% | 1,984 |
| Total risk-based capital ratio | 20.4413% | 1,959 |
| Memoranda: | ||
| Average total assets | $955,194,500 | 698 |
| Average earning assets | $884,766,000 | 683 |
| Average equity | $120,619,000 | 609 |
| Average total loans | $542,863,500 | 768 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8739% | 5,653 |
| Cost of funding earning assets | 0.8658% | 2,176 |
| Net interest margin | 3.0080% | 6,038 |
| Noninterest income to average assets | 1.5046% | 695 |
| Noninterest expense to average assets | 2.3580% | 5,535 |
| Loan and lease loss provision to assets | 0.1409% | 3,848 |
| Net operating income to assets | 1.7874% | 520 |
| Return on assets (ROA) | 2.1670% | 299 |
| Pretax return on assets | 2.1884% | 419 |
| Return on Equity (ROE) | 18.5461% | 396 |
| Retained earnings to average equity (ytd only) | 11.8388% | 343 |
| Net charge-offs to loans | 0.1970% | 3,801 |
| Credit loss provision to net charge-offs | 129.7401% | 2,164 |
| Earnings coverage of net charge-offs (x) | 17.9230% | 1,474 |
| Efficiency ratio | 54.3095% | 6,238 |
| Assets per employee ($millions) | 3.5852% | 4,818 |
| Cash dividends to net income (ytd only)* | 36.1655% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 4,427 |
| Loan loss allowance to noncurrent loans | 220.5394% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.5282% | 5,159 |
| Noncurrent loans to loans | 0.6102% | 4,988 |
| Net loans and leases to total assets | 57.2037% | 4,098 |
| Net loans and leases to deposits | 72.0037% | 3,411 |
| Net loans and leases to core deposits | 77.3411% | 3,354 |
| Total domestic deposits to total assets | 79.4455% | 5,793 |
| Equity capital to assets | 12.4899% | 1,721 |
| Core capital (leverage) ratio | 10.6542% | 2,590 |
| Tier 1 risk-based capital ratio | 18.2247% | 2,187 |
| Total risk-based capital ratio | 19.4287% | 2,161 |
| Memoranda: | ||
| Average total assets | $957,001,400 | 687 |
| Average earning assets | $890,581,200 | 665 |
| Average equity | $111,818,600 | 639 |
| Average total loans | $527,305,200 | 782 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8492% | 5,904 |
| Cost of funding earning assets | 0.8931% | 2,219 |
| Net interest margin | 2.9562% | 6,260 |
| Noninterest income to average assets | 1.2730% | 912 |
| Noninterest expense to average assets | 2.3441% | 5,560 |
| Loan and lease loss provision to assets | 0.1244% | 3,996 |
| Net operating income to assets | 1.5473% | 949 |
| Return on assets (ROA) | 2.0529% | 399 |
| Pretax return on assets | 2.0738% | 604 |
| Return on Equity (ROE) | 17.8766% | 516 |
| Retained earnings to average equity (ytd only) | 11.0583% | 671 |
| Net charge-offs to loans | 0.1712% | 3,730 |
| Credit loss provision to net charge-offs | 133.6323% | 2,158 |
| Earnings coverage of net charge-offs (x) | 18.1210% | 1,582 |
| Efficiency ratio | 57.6322% | 5,840 |
| Assets per employee ($millions) | 3.5884% | 4,774 |
| Cash dividends to net income (ytd only)* | 38.1407% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 4,398 |
| Loan loss allowance to noncurrent loans | 127.5485% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.7865% | 4,742 |
| Noncurrent loans to loans | 1.0933% | 4,248 |
| Net loans and leases to total assets | 53.6944% | 4,796 |
| Net loans and leases to deposits | 67.2141% | 4,307 |
| Net loans and leases to core deposits | 71.5811% | 4,308 |
| Total domestic deposits to total assets | 79.8856% | 5,684 |
| Equity capital to assets | 11.9010% | 2,349 |
| Core capital (leverage) ratio | 10.4117% | 3,023 |
| Tier 1 risk-based capital ratio | 18.4710% | 2,179 |
| Total risk-based capital ratio | 19.7228% | 2,142 |
| Memoranda: | ||
| Average total assets | $957,839,250 | 695 |
| Average earning assets | $893,836,000 | 670 |
| Average equity | $109,995,750 | 647 |
| Average total loans | $520,890,500 | 798 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8740% | 5,975 |
| Cost of funding earning assets | 0.9376% | 2,138 |
| Net interest margin | 2.9364% | 6,363 |
| Noninterest income to average assets | 1.3056% | 832 |
| Noninterest expense to average assets | 2.3436% | 5,631 |
| Loan and lease loss provision to assets | 0.1557% | 3,571 |
| Net operating income to assets | 1.5391% | 933 |
| Return on assets (ROA) | 2.3004% | 271 |
| Pretax return on assets | 2.3208% | 394 |
| Return on Equity (ROE) | 20.2816% | 334 |
| Retained earnings to average equity (ytd only) | 13.3517% | 402 |
| Net charge-offs to loans | 0.2063% | 3,332 |
| Credit loss provision to net charge-offs | 138.8785% | 1,989 |
| Earnings coverage of net charge-offs (x) | 15.2262% | 1,656 |
| Efficiency ratio | 57.3860% | 5,945 |
| Assets per employee ($millions) | 3.5104% | 4,956 |
| Cash dividends to net income (ytd only)* | 34.1686% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 4,494 |
| Loan loss allowance to noncurrent loans | 161.0002% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.7265% | 4,981 |
| Noncurrent loans to loans | 0.8656% | 4,766 |
| Net loans and leases to total assets | 54.9976% | 4,632 |
| Net loans and leases to deposits | 69.2951% | 3,996 |
| Net loans and leases to core deposits | 74.0525% | 4,028 |
| Total domestic deposits to total assets | 79.3672% | 5,889 |
| Equity capital to assets | 11.7057% | 2,407 |
| Core capital (leverage) ratio | 10.1396% | 3,215 |
| Tier 1 risk-based capital ratio | 17.6434% | 2,417 |
| Total risk-based capital ratio | 18.8948% | 2,388 |
| Memoranda: | ||
| Average total assets | $954,162,000 | 696 |
| Average earning assets | $892,098,670 | 669 |
| Average equity | $108,226,000 | 653 |
| Average total loans | $518,658,670 | 799 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9194% | 5,973 |
| Cost of funding earning assets | 0.9765% | 2,123 |
| Net interest margin | 2.9429% | 6,403 |
| Noninterest income to average assets | 1.5285% | 621 |
| Noninterest expense to average assets | 2.3201% | 5,719 |
| Loan and lease loss provision to assets | 0.1234% | 3,799 |
| Net operating income to assets | 1.8380% | 558 |
| Return on assets (ROA) | 2.5420% | 206 |
| Pretax return on assets | 2.5612% | 308 |
| Return on Equity (ROE) | 22.7699% | 250 |
| Retained earnings to average equity (ytd only) | 20.9020% | 161 |
| Net charge-offs to loans | 0.1951% | 2,945 |
| Credit loss provision to net charge-offs | 117.9283% | 2,007 |
| Earnings coverage of net charge-offs (x) | 18.8526% | 1,246 |
| Efficiency ratio | 53.5600% | 6,389 |
| Assets per employee ($millions) | 3.6222% | 4,822 |
| Cash dividends to net income (ytd only)* | 8.2034% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 4,640 |
| Loan loss allowance to noncurrent loans | 294.6223% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 5,694 |
| Noncurrent loans to loans | 0.4733% | 5,728 |
| Net loans and leases to total assets | 52.6726% | 4,922 |
| Net loans and leases to deposits | 67.7522% | 4,106 |
| Net loans and leases to core deposits | 72.5339% | 4,073 |
| Total domestic deposits to total assets | 77.7430% | 6,303 |
| Equity capital to assets | 11.3922% | 2,531 |
| Core capital (leverage) ratio | 9.7502% | 3,706 |
| Tier 1 risk-based capital ratio | 17.5738% | 2,451 |
| Total risk-based capital ratio | 18.8250% | 2,422 |
| Memoranda: | ||
| Average total assets | $959,095,000 | 696 |
| Average earning assets | $901,164,500 | 666 |
| Average equity | $107,071,000 | 658 |
| Average total loans | $514,648,000 | 806 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5123% | 5,025 |
| Cost of funding earning assets | 1.1579% | 2,294 |
| Net interest margin | 3.3544% | 5,632 |
| Noninterest income to average assets | 1.0383% | 1,257 |
| Noninterest expense to average assets | 2.3502% | 5,909 |
| Loan and lease loss provision to assets | 0.1308% | 4,980 |
| Net operating income to assets | 1.6566% | 598 |
| Return on assets (ROA) | 1.8739% | 439 |
| Pretax return on assets | 1.8945% | 672 |
| Return on Equity (ROE) | 19.7483% | 272 |
| Retained earnings to average equity (ytd only) | 11.3218% | 367 |
| Net charge-offs to loans | 0.2097% | 4,483 |
| Credit loss provision to net charge-offs | 109.6565% | 3,057 |
| Earnings coverage of net charge-offs (x) | 15.1365% | 1,412 |
| Efficiency ratio | 56.1091% | 6,304 |
| Assets per employee ($millions) | 3.6300% | 4,706 |
| Cash dividends to net income (ytd only)* | 42.6697% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 4,533 |
| Loan loss allowance to noncurrent loans | 212.8955% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.5552% | 5,585 |
| Noncurrent loans to loans | 0.6510% | 5,401 |
| Net loans and leases to total assets | 53.1572% | 5,149 |
| Net loans and leases to deposits | 68.8079% | 4,311 |
| Net loans and leases to core deposits | 73.8600% | 4,260 |
| Total domestic deposits to total assets | 77.2545% | 6,308 |
| Equity capital to assets | 10.9332% | 3,042 |
| Core capital (leverage) ratio | 9.2404% | 4,407 |
| Tier 1 risk-based capital ratio | 16.3669% | 2,881 |
| Total risk-based capital ratio | 17.6178% | 2,847 |
| Memoranda: | ||
| Average total assets | $902,738,000 | 724 |
| Average earning assets | $839,047,600 | 704 |
| Average equity | $85,658,000 | 784 |
| Average total loans | $513,520,400 | 808 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6271% | 4,759 |
| Cost of funding earning assets | 1.1912% | 2,375 |
| Net interest margin | 3.4360% | 5,441 |
| Noninterest income to average assets | 1.0639% | 1,187 |
| Noninterest expense to average assets | 2.4172% | 5,716 |
| Loan and lease loss provision to assets | 0.1533% | 4,546 |
| Net operating income to assets | 1.6654% | 686 |
| Return on assets (ROA) | 1.9584% | 409 |
| Pretax return on assets | 1.9764% | 654 |
| Return on Equity (ROE) | 21.5181% | 239 |
| Retained earnings to average equity (ytd only) | 9.7291% | 921 |
| Net charge-offs to loans | 0.2016% | 4,191 |
| Credit loss provision to net charge-offs | 131.8299% | 2,420 |
| Earnings coverage of net charge-offs (x) | 15.7693% | 1,440 |
| Efficiency ratio | 56.4545% | 6,218 |
| Assets per employee ($millions) | 3.6173% | 4,717 |
| Cash dividends to net income (ytd only)* | 54.7861% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3888% | 4,612 |
| Loan loss allowance to noncurrent loans | 161.8825% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 5,471 |
| Noncurrent loans to loans | 0.8579% | 5,147 |
| Net loans and leases to total assets | 54.0920% | 5,150 |
| Net loans and leases to deposits | 69.6354% | 4,354 |
| Net loans and leases to core deposits | 75.0930% | 4,313 |
| Total domestic deposits to total assets | 77.6789% | 6,257 |
| Equity capital to assets | 10.4136% | 3,813 |
| Core capital (leverage) ratio | 9.1479% | 4,713 |
| Tier 1 risk-based capital ratio | 15.5506% | 3,357 |
| Total risk-based capital ratio | 16.8018% | 3,320 |
| Memoranda: | ||
| Average total assets | $889,751,250 | 741 |
| Average earning assets | $825,285,500 | 726 |
| Average equity | $80,978,000 | 833 |
| Average total loans | $513,246,500 | 823 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6864% | 4,594 |
| Cost of funding earning assets | 1.2404% | 2,320 |
| Net interest margin | 3.4461% | 5,385 |
| Noninterest income to average assets | 1.0055% | 1,298 |
| Noninterest expense to average assets | 2.4216% | 5,778 |
| Loan and lease loss provision to assets | 0.1279% | 4,691 |
| Net operating income to assets | 1.6516% | 666 |
| Return on assets (ROA) | 1.6516% | 707 |
| Pretax return on assets | 1.6696% | 1,114 |
| Return on Equity (ROE) | 19.1601% | 371 |
| Retained earnings to average equity (ytd only) | 4.7606% | 3,149 |
| Net charge-offs to loans | 0.1974% | 3,967 |
| Credit loss provision to net charge-offs | 110.3380% | 2,778 |
| Earnings coverage of net charge-offs (x) | 15.5089% | 1,401 |
| Efficiency ratio | 57.1187% | 6,278 |
| Assets per employee ($millions) | 3.7149% | 4,402 |
| Cash dividends to net income (ytd only)* | 75.1535% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 4,849 |
| Loan loss allowance to noncurrent loans | 239.3509% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5394% | 5,842 |
| Noncurrent loans to loans | 0.5627% | 5,794 |
| Net loans and leases to total assets | 56.0677% | 4,983 |
| Net loans and leases to deposits | 70.7340% | 4,333 |
| Net loans and leases to core deposits | 76.9485% | 4,197 |
| Total domestic deposits to total assets | 79.2656% | 6,021 |
| Equity capital to assets | 8.4853% | 6,202 |
| Core capital (leverage) ratio | 7.5406% | 6,715 |
| Tier 1 risk-based capital ratio | 12.4081% | 5,431 |
| Total risk-based capital ratio | 13.6590% | 5,410 |
| Memoranda: | ||
| Average total assets | $868,017,000 | 764 |
| Average earning assets | $809,448,000 | 749 |
| Average equity | $74,822,330 | 906 |
| Average total loans | $509,719,000 | 846 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6728% | 4,637 |
| Cost of funding earning assets | 1.2986% | 2,179 |
| Net interest margin | 3.3742% | 5,527 |
| Noninterest income to average assets | 1.0735% | 1,139 |
| Noninterest expense to average assets | 2.3647% | 6,004 |
| Loan and lease loss provision to assets | 0.1263% | 4,419 |
| Net operating income to assets | 1.7138% | 568 |
| Return on assets (ROA) | 1.7138% | 600 |
| Pretax return on assets | 1.7320% | 924 |
| Return on Equity (ROE) | 19.7128% | 346 |
| Retained earnings to average equity (ytd only) | 18.6168% | 215 |
| Net charge-offs to loans | 0.3069% | 2,816 |
| Credit loss provision to net charge-offs | 68.8312% | 3,372 |
| Earnings coverage of net charge-offs (x) | 10.1299% | 1,657 |
| Efficiency ratio | 55.7035% | 6,533 |
| Assets per employee ($millions) | 3.6655% | 4,621 |
| Cash dividends to net income (ytd only)* | 5.5602% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 4,725 |
| Loan loss allowance to noncurrent loans | 308.3929% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.6001% | 5,774 |
| Noncurrent loans to loans | 0.4502% | 6,111 |
| Net loans and leases to total assets | 58.7100% | 4,513 |
| Net loans and leases to deposits | 78.2142% | 3,022 |
| Net loans and leases to core deposits | 87.5668% | 2,658 |
| Total domestic deposits to total assets | 75.0630% | 6,781 |
| Equity capital to assets | 8.9687% | 5,253 |
| Core capital (leverage) ratio | 8.2915% | 5,826 |
| Tier 1 risk-based capital ratio | 13.9189% | 4,127 |
| Total risk-based capital ratio | 15.1705% | 4,100 |
| Memoranda: | ||
| Average total assets | $839,516,000 | 794 |
| Average earning assets | $783,601,000 | 771 |
| Average equity | $72,988,000 | 925 |
| Average total loans | $501,720,000 | 873 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1166% | 4,021 |
| Cost of funding earning assets | 1.5257% | 2,497 |
| Net interest margin | 3.5909% | 4,864 |
| Noninterest income to average assets | 1.2360% | 988 |
| Noninterest expense to average assets | 2.2798% | 6,414 |
| Loan and lease loss provision to assets | 0.2278% | 4,998 |
| Net operating income to assets | 2.0493% | 263 |
| Return on assets (ROA) | 2.2346% | 185 |
| Pretax return on assets | 2.2579% | 276 |
| Return on Equity (ROE) | 26.9826% | 68 |
| Retained earnings to average equity (ytd only) | -2.3951% | 6,027 |
| Net charge-offs to loans | 0.1718% | 5,291 |
| Credit loss provision to net charge-offs | 218.1511% | 1,381 |
| Earnings coverage of net charge-offs (x) | 22.0135% | 941 |
| Efficiency ratio | 49.4228% | 7,175 |
| Assets per employee ($millions) | 3.6039% | 4,697 |
| Cash dividends to net income (ytd only)* | 108.8764% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 4,567 |
| Loan loss allowance to noncurrent loans | 267.8354% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.6764% | 5,651 |
| Noncurrent loans to loans | 0.5187% | 6,003 |
| Net loans and leases to total assets | 59.1540% | 4,811 |
| Net loans and leases to deposits | 78.2627% | 3,471 |
| Net loans and leases to core deposits | 90.7939% | 2,648 |
| Total domestic deposits to total assets | 75.5839% | 6,685 |
| Equity capital to assets | 8.4219% | 5,962 |
| Core capital (leverage) ratio | 7.6991% | 6,545 |
| Tier 1 risk-based capital ratio | 12.7664% | 4,802 |
| Total risk-based capital ratio | 14.0176% | 4,774 |
| Memoranda: | ||
| Average total assets | $849,498,200 | 793 |
| Average earning assets | $790,701,600 | 775 |
| Average equity | $70,352,800 | 958 |
| Average total loans | $516,166,600 | 875 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1401% | 4,122 |
| Cost of funding earning assets | 1.5514% | 2,670 |
| Net interest margin | 3.5887% | 4,927 |
| Noninterest income to average assets | 1.0497% | 1,310 |
| Noninterest expense to average assets | 2.2060% | 6,589 |
| Loan and lease loss provision to assets | 0.2757% | 4,380 |
| Net operating income to assets | 1.8939% | 412 |
| Return on assets (ROA) | 2.1405% | 283 |
| Pretax return on assets | 2.1604% | 445 |
| Return on Equity (ROE) | 25.9553% | 100 |
| Retained earnings to average equity (ytd only) | -10.3438% | 6,896 |
| Net charge-offs to loans | 0.0974% | 5,554 |
| Credit loss provision to net charge-offs | 464.3799% | 641 |
| Earnings coverage of net charge-offs (x) | 36.8338% | 739 |
| Efficiency ratio | 49.9412% | 7,159 |
| Assets per employee ($millions) | 3.7136% | 4,476 |
| Cash dividends to net income (ytd only)* | 139.8522% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 4,451 |
| Loan loss allowance to noncurrent loans | 210.6152% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.8447% | 5,404 |
| Noncurrent loans to loans | 0.6651% | 5,871 |
| Net loans and leases to total assets | 60.1385% | 4,884 |
| Net loans and leases to deposits | 80.3608% | 3,382 |
| Net loans and leases to core deposits | 95.6554% | 2,301 |
| Total domestic deposits to total assets | 74.8356% | 6,816 |
| Equity capital to assets | 8.5188% | 6,256 |
| Core capital (leverage) ratio | 7.4112% | 6,924 |
| Tier 1 risk-based capital ratio | 11.9424% | 5,517 |
| Total risk-based capital ratio | 13.1942% | 5,483 |
| Memoranda: | ||
| Average total assets | $851,046,500 | 793 |
| Average earning assets | $792,887,000 | 766 |
| Average equity | $70,185,500 | 957 |
| Average total loans | $518,739,000 | 876 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1484% | 4,201 |
| Cost of funding earning assets | 1.5910% | 2,710 |
| Net interest margin | 3.5574% | 5,018 |
| Noninterest income to average assets | 0.9618% | 1,475 |
| Noninterest expense to average assets | 2.1844% | 6,686 |
| Loan and lease loss provision to assets | 0.3325% | 3,740 |
| Net operating income to assets | 1.7476% | 528 |
| Return on assets (ROA) | 1.7476% | 581 |
| Pretax return on assets | 1.7675% | 933 |
| Return on Equity (ROE) | 21.4307% | 235 |
| Retained earnings to average equity (ytd only) | -30.8092% | 7,430 |
| Net charge-offs to loans | 0.1015% | 5,133 |
| Credit loss provision to net charge-offs | 537.7863% | 691 |
| Earnings coverage of net charge-offs (x) | 33.9656% | 829 |
| Efficiency ratio | 50.7050% | 7,178 |
| Assets per employee ($millions) | 3.7749% | 4,283 |
| Cash dividends to net income (ytd only)* | 243.7618% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 4,575 |
| Loan loss allowance to noncurrent loans | 218.3517% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.8186% | 5,486 |
| Noncurrent loans to loans | 0.6279% | 5,989 |
| Net loans and leases to total assets | 59.8280% | 5,092 |
| Net loans and leases to deposits | 79.4546% | 3,701 |
| Net loans and leases to core deposits | 92.2312% | 2,951 |
| Total domestic deposits to total assets | 75.2984% | 6,811 |
| Equity capital to assets | 7.9916% | 6,758 |
| Core capital (leverage) ratio | 6.8250% | 7,274 |
| Tier 1 risk-based capital ratio | 10.8935% | 6,355 |
| Total risk-based capital ratio | 12.1448% | 6,340 |
| Memoranda: | ||
| Average total assets | $847,540,000 | 797 |
| Average earning assets | $791,588,000 | 769 |
| Average equity | $69,115,670 | 964 |
| Average total loans | $516,487,330 | 883 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1689% | 4,203 |
| Cost of funding earning assets | 1.5688% | 3,147 |
| Net interest margin | 3.6000% | 4,728 |
| Noninterest income to average assets | 0.8647% | 1,756 |
| Noninterest expense to average assets | 2.1674% | 6,762 |
| Loan and lease loss provision to assets | 0.3531% | 3,264 |
| Net operating income to assets | 1.6947% | 622 |
| Return on assets (ROA) | 1.6947% | 674 |
| Pretax return on assets | 1.7137% | 1,036 |
| Return on Equity (ROE) | 20.5724% | 351 |
| Retained earnings to average equity (ytd only) | -71.6950% | 7,765 |
| Net charge-offs to loans | 0.1383% | 4,111 |
| Credit loss provision to net charge-offs | 417.9775% | 988 |
| Earnings coverage of net charge-offs (x) | 24.4663% | 1,014 |
| Efficiency ratio | 50.8967% | 7,251 |
| Assets per employee ($millions) | 3.7908% | 4,339 |
| Cash dividends to net income (ytd only)* | 448.5018% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 5,061 |
| Loan loss allowance to noncurrent loans | 254.9065% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.9014% | 5,358 |
| Noncurrent loans to loans | 0.5007% | 6,295 |
| Net loans and leases to total assets | 60.4333% | 5,048 |
| Net loans and leases to deposits | 81.5836% | 3,356 |
| Net loans and leases to core deposits | 95.9219% | 2,600 |
| Total domestic deposits to total assets | 74.0753% | 7,040 |
| Equity capital to assets | 7.5947% | 6,996 |
| Core capital (leverage) ratio | 6.5813% | 7,437 |
| Tier 1 risk-based capital ratio | 10.5947% | 6,546 |
| Total risk-based capital ratio | 11.8447% | 6,539 |
| Memoranda: | ||
| Average total assets | $842,856,000 | 818 |
| Average earning assets | $788,879,500 | 787 |
| Average equity | $69,433,000 | 965 |
| Average total loans | $514,832,000 | 908 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2794% | 5,287 |
| Cost of funding earning assets | 1.7841% | 4,082 |
| Net interest margin | 3.4953% | 4,975 |
| Noninterest income to average assets | 1.1834% | 1,101 |
| Noninterest expense to average assets | 2.1537% | 7,077 |
| Loan and lease loss provision to assets | 0.3943% | 4,431 |
| Net operating income to assets | 1.8781% | 306 |
| Return on assets (ROA) | 1.8587% | 326 |
| Pretax return on assets | 1.8817% | 532 |
| Return on Equity (ROE) | 20.1991% | 236 |
| Retained earnings to average equity (ytd only) | -1.6507% | 5,428 |
| Net charge-offs to loans | 0.2172% | 5,265 |
| Credit loss provision to net charge-offs | 312.0197% | 1,050 |
| Earnings coverage of net charge-offs (x) | 18.1665% | 1,143 |
| Efficiency ratio | 48.4051% | 7,616 |
| Assets per employee ($millions) | 3.9257% | 3,965 |
| Cash dividends to net income (ytd only)* | 108.1720% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 5,603 |
| Loan loss allowance to noncurrent loans | 196.8400% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.9983% | 5,113 |
| Noncurrent loans to loans | 0.5878% | 6,064 |
| Net loans and leases to total assets | 60.2454% | 5,296 |
| Net loans and leases to deposits | 81.9889% | 3,615 |
| Net loans and leases to core deposits | 96.3292% | 4,423 |
| Total domestic deposits to total assets | 73.4800% | 7,090 |
| Equity capital to assets | 8.8732% | 5,318 |
| Core capital (leverage) ratio | 8.0817% | 6,028 |
| Tier 1 risk-based capital ratio | 12.7488% | 4,325 |
| Total risk-based capital ratio | 13.8726% | 4,364 |
| Memoranda: | ||
| Average total assets | $803,209,400 | 854 |
| Average earning assets | $750,515,800 | 828 |
| Average equity | $73,909,400 | 879 |
| Average total loans | $467,343,000 | 1,033 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1652% | 6,039 |
| Cost of funding earning assets | 1.8325% | 4,224 |
| Net interest margin | 3.3328% | 5,518 |
| Noninterest income to average assets | 1.3120% | 896 |
| Noninterest expense to average assets | 2.1029% | 7,191 |
| Loan and lease loss provision to assets | 0.3414% | 4,283 |
| Net operating income to assets | 1.9661% | 317 |
| Return on assets (ROA) | 1.9383% | 357 |
| Pretax return on assets | 1.9558% | 584 |
| Return on Equity (ROE) | 20.8648% | 268 |
| Retained earnings to average equity (ytd only) | -5.5904% | 6,333 |
| Net charge-offs to loans | 0.2154% | 4,686 |
| Credit loss provision to net charge-offs | 275.9184% | 1,532 |
| Earnings coverage of net charge-offs (x) | 18.7931% | 1,333 |
| Efficiency ratio | 47.4891% | 7,688 |
| Assets per employee ($millions) | 4.1334% | 3,500 |
| Cash dividends to net income (ytd only)* | 126.7935% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 5,841 |
| Loan loss allowance to noncurrent loans | 81.2986% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.3693% | 4,349 |
| Noncurrent loans to loans | 1.3285% | 4,714 |
| Net loans and leases to total assets | 56.1754% | 6,121 |
| Net loans and leases to deposits | 76.2681% | 4,993 |
| Net loans and leases to core deposits | 87.5103% | 5,687 |
| Total domestic deposits to total assets | 73.6552% | 7,010 |
| Equity capital to assets | 9.1737% | 5,209 |
| Core capital (leverage) ratio | 8.3421% | 5,765 |
| Tier 1 risk-based capital ratio | 12.5195% | 4,528 |
| Total risk-based capital ratio | 13.4921% | 4,698 |
| Memoranda: | ||
| Average total assets | $792,025,500 | 876 |
| Average earning assets | $740,546,250 | 856 |
| Average equity | $73,576,750 | 894 |
| Average total loans | $454,971,750 | 1,071 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2423% | 5,907 |
| Cost of funding earning assets | 1.9129% | 4,202 |
| Net interest margin | 3.3294% | 5,443 |
| Noninterest income to average assets | 1.5923% | 592 |
| Noninterest expense to average assets | 2.1434% | 7,184 |
| Loan and lease loss provision to assets | 0.4145% | 3,459 |
| Net operating income to assets | 2.1232% | 225 |
| Return on assets (ROA) | 2.0807% | 272 |
| Pretax return on assets | 2.1000% | 431 |
| Return on Equity (ROE) | 22.2983% | 223 |
| Retained earnings to average equity (ytd only) | -14.5045% | 7,216 |
| Net charge-offs to loans | 0.1293% | 4,879 |
| Credit loss provision to net charge-offs | 555.8621% | 834 |
| Earnings coverage of net charge-offs (x) | 34.2931% | 912 |
| Efficiency ratio | 45.5963% | 7,867 |
| Assets per employee ($millions) | 3.8312% | 4,023 |
| Cash dividends to net income (ytd only)* | 165.0476% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 5,524 |
| Loan loss allowance to noncurrent loans | 88.4424% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.3804% | 4,199 |
| Noncurrent loans to loans | 1.2557% | 4,691 |
| Net loans and leases to total assets | 59.2538% | 5,797 |
| Net loans and leases to deposits | 82.6048% | 4,118 |
| Net loans and leases to core deposits | 94.5887% | 5,051 |
| Total domestic deposits to total assets | 71.7317% | 7,274 |
| Equity capital to assets | 9.0539% | 5,238 |
| Core capital (leverage) ratio | 8.4483% | 5,529 |
| Tier 1 risk-based capital ratio | 13.3965% | 3,868 |
| Total risk-based capital ratio | 14.4671% | 3,908 |
| Memoranda: | ||
| Average total assets | $777,721,330 | 901 |
| Average earning assets | $726,136,000 | 881 |
| Average equity | $72,570,670 | 923 |
| Average total loans | $448,578,670 | 1,113 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2807% | 5,974 |
| Cost of funding earning assets | 1.9289% | 4,494 |
| Net interest margin | 3.3518% | 5,317 |
| Noninterest income to average assets | 1.5238% | 604 |
| Noninterest expense to average assets | 2.0702% | 7,192 |
| Loan and lease loss provision to assets | 0.4094% | 2,871 |
| Net operating income to assets | 2.1564% | 251 |
| Return on assets (ROA) | 2.1564% | 294 |
| Pretax return on assets | 2.1682% | 471 |
| Return on Equity (ROE) | 22.7739% | 272 |
| Retained earnings to average equity (ytd only) | -30.3272% | 7,858 |
| Net charge-offs to loans | 0.1361% | 3,870 |
| Credit loss provision to net charge-offs | 532.0000% | 1,038 |
| Earnings coverage of net charge-offs (x) | 33.4933% | 980 |
| Efficiency ratio | 44.5413% | 7,909 |
| Assets per employee ($millions) | 3.8603% | 3,962 |
| Cash dividends to net income (ytd only)* | 233.1668% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 5,774 |
| Loan loss allowance to noncurrent loans | 76.3562% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.3849% | 3,872 |
| Noncurrent loans to loans | 1.3833% | 4,237 |
| Net loans and leases to total assets | 54.5817% | 6,401 |
| Net loans and leases to deposits | 76.9261% | 5,092 |
| Net loans and leases to core deposits | 90.8161% | 5,475 |
| Total domestic deposits to total assets | 70.9534% | 7,333 |
| Equity capital to assets | 9.2822% | 4,963 |
| Core capital (leverage) ratio | 8.1342% | 6,219 |
| Tier 1 risk-based capital ratio | 13.6650% | 3,758 |
| Total risk-based capital ratio | 14.6185% | 3,859 |
| Memoranda: | ||
| Average total assets | $779,629,000 | 897 |
| Average earning assets | $726,646,500 | 879 |
| Average equity | $73,821,500 | 908 |
| Average total loans | $441,008,500 | 1,143 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1101% | 4,990 |
| Cost of funding earning assets | 2.5587% | 3,910 |
| Net interest margin | 3.5514% | 5,093 |
| Noninterest income to average assets | 0.9946% | 1,596 |
| Noninterest expense to average assets | 2.0571% | 7,330 |
| Loan and lease loss provision to assets | 0.2886% | 4,073 |
| Net operating income to assets | 1.9264% | 412 |
| Return on assets (ROA) | 1.9362% | 389 |
| Pretax return on assets | 1.9567% | 685 |
| Return on Equity (ROE) | 19.2696% | 433 |
| Retained earnings to average equity (ytd only) | 8.3489% | 745 |
| Net charge-offs to loans | 0.4995% | 2,367 |
| Credit loss provision to net charge-offs | 88.6132% | 5,709 |
| Earnings coverage of net charge-offs (x) | 6.8640% | 3,251 |
| Efficiency ratio | 47.9243% | 7,815 |
| Assets per employee ($millions) | 4.1201% | 3,273 |
| Cash dividends to net income (ytd only)* | 56.6734% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8354% | 6,957 |
| Loan loss allowance to noncurrent loans | 114.0304% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.0945% | 4,097 |
| Noncurrent loans to loans | 0.7326% | 5,196 |
| Net loans and leases to total assets | 57.4442% | 6,281 |
| Net loans and leases to deposits | 82.0264% | 4,727 |
| Net loans and leases to core deposits | 97.0325% | 5,148 |
| Total domestic deposits to total assets | 70.0313% | 7,272 |
| Equity capital to assets | 9.6500% | 4,484 |
| Core capital (leverage) ratio | 9.1590% | 4,505 |
| Tier 1 risk-based capital ratio | 13.3969% | 3,875 |
| Total risk-based capital ratio | 14.1321% | 4,100 |
| Memoranda: | ||
| Average total assets | $693,053,600 | 968 |
| Average earning assets | $643,578,600 | 942 |
| Average equity | $69,638,200 | 960 |
| Average total loans | $451,846,400 | 1,064 |