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 | 4.7251% | 2,620 |
| Cost of funding earning assets | 1.5464% | 1,820 |
| Net interest margin | 3.1787% | 2,925 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.6378% | 1,897 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7723% | 2,975 |
| Return on assets (ROA) | 0.7602% | 2,986 |
| Pretax return on assets | 0.8153% | 3,172 |
| Return on Equity (ROE) | 12.9100% | 1,752 |
| Retained earnings to average equity (ytd only) | 7.4833% | 1,715 |
| Net charge-offs to loans | 0.0057% | 2,489 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 243.1818% | 510 |
| Efficiency ratio | 76.1033% | 1,232 |
| Assets per employee ($millions) | 6.4116% | 2,473 |
| Cash dividends to net income (ytd only)* | 42.0367% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6319% | 786 |
| Loan loss allowance to noncurrent loans | 1,093.2886% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 2,920 |
| Noncurrent loans to loans | 0.1493% | 2,767 |
| Net loans and leases to total assets | 60.0600% | 2,836 |
| Net loans and leases to deposits | 65.1210% | 3,227 |
| Net loans and leases to core deposits | 67.9012% | 3,413 |
| Total domestic deposits to total assets | 92.2300% | 272 |
| Equity capital to assets | 6.8341% | 4,008 |
| Core capital (leverage) ratio | 10.1192% | 2,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $322,956,000 | 2,302 |
| Average earning assets | $302,765,200 | 2,288 |
| Average equity | $19,015,800 | 2,940 |
| Average total loans | $192,114,800 | 2,346 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6181% | 2,639 |
| Cost of funding earning assets | 1.4564% | 1,719 |
| Net interest margin | 3.1617% | 3,000 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.5809% | 1,997 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8615% | 2,824 |
| Return on assets (ROA) | 0.8444% | 2,864 |
| Pretax return on assets | 0.8614% | 3,192 |
| Return on Equity (ROE) | 14.9500% | 1,445 |
| Retained earnings to average equity (ytd only) | 8.0073% | 1,963 |
| Net charge-offs to loans | 0.0021% | 2,485 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 707.3333% | 223 |
| Efficiency ratio | 74.5990% | 1,309 |
| Assets per employee ($millions) | 6.2499% | 2,525 |
| Cash dividends to net income (ytd only)* | 46.4443% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6629% | 766 |
| Loan loss allowance to noncurrent loans | 324.3297% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.3099% | 1,778 |
| Noncurrent loans to loans | 0.5127% | 1,536 |
| Net loans and leases to total assets | 59.4300% | 2,899 |
| Net loans and leases to deposits | 63.1421% | 3,317 |
| Net loans and leases to core deposits | 66.1022% | 3,426 |
| Total domestic deposits to total assets | 94.1100% | 181 |
| Equity capital to assets | 4.8496% | 4,278 |
| Core capital (leverage) ratio | 9.9816% | 2,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $321,946,500 | 2,310 |
| Average earning assets | $301,647,250 | 2,296 |
| Average equity | $18,183,000 | 2,991 |
| Average total loans | $190,232,500 | 2,361 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4593% | 2,745 |
| Cost of funding earning assets | 1.3482% | 1,587 |
| Net interest margin | 3.1111% | 3,199 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.6124% | 1,894 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7453% | 3,230 |
| Return on assets (ROA) | 0.7192% | 3,301 |
| Pretax return on assets | 0.7210% | 3,562 |
| Return on Equity (ROE) | 12.1500% | 2,104 |
| Retained earnings to average equity (ytd only) | 4.2653% | 3,139 |
| Net charge-offs to loans | 0.0043% | 2,147 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 299.7500% | 451 |
| Efficiency ratio | 77.7592% | 1,016 |
| Assets per employee ($millions) | 5.7342% | 2,940 |
| Cash dividends to net income (ytd only)* | 64.9047% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6879% | 771 |
| Loan loss allowance to noncurrent loans | 1,029.9685% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 2,853 |
| Noncurrent loans to loans | 0.1639% | 2,654 |
| Net loans and leases to total assets | 58.1800% | 2,950 |
| Net loans and leases to deposits | 62.5111% | 3,276 |
| Net loans and leases to core deposits | 65.4063% | 3,383 |
| Total domestic deposits to total assets | 93.0800% | 243 |
| Equity capital to assets | 5.9263% | 4,180 |
| Core capital (leverage) ratio | 9.9549% | 2,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $320,930,333 | 2,325 |
| Average earning assets | $300,540,000 | 2,309 |
| Average equity | $18,990,333 | 2,951 |
| Average total loans | $188,177,333 | 2,368 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3008% | 2,800 |
| Cost of funding earning assets | 1.1828% | 1,499 |
| Net interest margin | 3.1180% | 3,309 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.6556% | 1,789 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7070% | 3,449 |
| Return on assets (ROA) | 0.6541% | 3,528 |
| Pretax return on assets | 0.6541% | 3,750 |
| Return on Equity (ROE) | 11.0600% | 2,475 |
| Retained earnings to average equity (ytd only) | -0.8510% | 4,112 |
| Net charge-offs to loans | -0.0043% | 3,590 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.9749% | 906 |
| Assets per employee ($millions) | 5.9018% | 2,842 |
| Cash dividends to net income (ytd only)* | 107.6923% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7537% | 721 |
| Loan loss allowance to noncurrent loans | 970.6231% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 2,787 |
| Noncurrent loans to loans | 0.1807% | 2,575 |
| Net loans and leases to total assets | 57.5000% | 2,909 |
| Net loans and leases to deposits | 62.0359% | 3,225 |
| Net loans and leases to core deposits | 64.7580% | 3,302 |
| Total domestic deposits to total assets | 92.6900% | 354 |
| Equity capital to assets | 6.1491% | 4,151 |
| Core capital (leverage) ratio | 10.0243% | 2,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $317,971,000 | 2,370 |
| Average earning assets | $298,268,500 | 2,355 |
| Average equity | $18,800,500 | 2,994 |
| Average total loans | $185,548,500 | 2,403 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6301% | 2,705 |
| Cost of funding earning assets | 0.4028% | 2,076 |
| Net interest margin | 3.2273% | 2,780 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.5271% | 2,033 |
| Loan and lease loss provision to assets | -0.1000% | 4,534 |
| Net operating income to assets | 0.9464% | 2,784 |
| Return on assets (ROA) | 0.8036% | 3,240 |
| Pretax return on assets | 0.8557% | 3,469 |
| Return on Equity (ROE) | 12.4900% | 1,981 |
| Retained earnings to average equity (ytd only) | 6.9663% | 2,257 |
| Net charge-offs to loans | 0.0122% | 1,934 |
| Credit loss provision to net charge-offs | -1,523.8095% | 4,677 |
| Earnings coverage of net charge-offs (x) | 143.2857% | 813 |
| Efficiency ratio | 73.5077% | 1,266 |
| Assets per employee ($millions) | 5.3770% | 3,344 |
| Cash dividends to net income (ytd only)* | 44.2185% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7711% | 697 |
| Loan loss allowance to noncurrent loans | 1,667.8571% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 3,186 |
| Noncurrent loans to loans | 0.1062% | 3,004 |
| Net loans and leases to total assets | 57.1500% | 2,901 |
| Net loans and leases to deposits | 61.1560% | 3,263 |
| Net loans and leases to core deposits | 62.3304% | 3,370 |
| Total domestic deposits to total assets | 93.4500% | 317 |
| Equity capital to assets | 5.6751% | 4,187 |
| Core capital (leverage) ratio | 9.7416% | 2,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $330,384,000 | 2,299 |
| Average earning assets | $306,854,200 | 2,295 |
| Average equity | $21,259,400 | 2,836 |
| Average total loans | $172,741,000 | 2,428 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4532% | 2,765 |
| Cost of funding earning assets | 0.3047% | 2,114 |
| Net interest margin | 3.1484% | 2,781 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.4067% | 2,298 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.8016% | 3,260 |
| Return on assets (ROA) | 0.8016% | 3,216 |
| Pretax return on assets | 0.8523% | 3,466 |
| Return on Equity (ROE) | 12.1200% | 1,996 |
| Retained earnings to average equity (ytd only) | 5.0256% | 3,091 |
| Net charge-offs to loans | 0.0165% | 1,523 |
| Credit loss provision to net charge-offs | 857.1429% | 452 |
| Earnings coverage of net charge-offs (x) | 110.1429% | 893 |
| Efficiency ratio | 72.2529% | 1,480 |
| Assets per employee ($millions) | 5.8007% | 2,926 |
| Cash dividends to net income (ytd only)* | 58.5244% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1429% | 383 |
| Loan loss allowance to noncurrent loans | 1,177.8125% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.0985% | 2,967 |
| Noncurrent loans to loans | 0.1819% | 2,676 |
| Net loans and leases to total assets | 52.9800% | 3,191 |
| Net loans and leases to deposits | 55.8031% | 3,498 |
| Net loans and leases to core deposits | 56.4205% | 3,607 |
| Total domestic deposits to total assets | 94.9500% | 231 |
| Equity capital to assets | 4.1676% | 4,457 |
| Core capital (leverage) ratio | 9.4834% | 3,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $333,669,250 | 2,304 |
| Average earning assets | $308,927,500 | 2,306 |
| Average equity | $22,073,250 | 2,817 |
| Average total loans | $169,782,000 | 2,457 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3118% | 2,702 |
| Cost of funding earning assets | 0.2820% | 1,876 |
| Net interest margin | 3.0298% | 2,798 |
| Noninterest income to average assets | 0.3844% | 2,845 |
| Noninterest expense to average assets | 2.4152% | 2,180 |
| Loan and lease loss provision to assets | 0.0713% | 1,341 |
| Net operating income to assets | 0.6310% | 3,537 |
| Return on assets (ROA) | 0.6310% | 3,485 |
| Pretax return on assets | 0.6874% | 3,606 |
| Return on Equity (ROE) | 8.5238% | 2,859 |
| Retained earnings to average equity (ytd only) | 0.6100% | 4,075 |
| Net charge-offs to loans | 0.0227% | 1,271 |
| Credit loss provision to net charge-offs | 631.5789% | 549 |
| Earnings coverage of net charge-offs (x) | 67.2105% | 1,024 |
| Efficiency ratio | 76.0951% | 1,271 |
| Assets per employee ($millions) | 5.7193% | 3,006 |
| Cash dividends to net income (ytd only)* | 92.8437% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1335% | 417 |
| Loan loss allowance to noncurrent loans | 1,686.8182% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 3,313 |
| Noncurrent loans to loans | 0.1265% | 3,086 |
| Net loans and leases to total assets | 51.3168% | 3,233 |
| Net loans and leases to deposits | 54.7882% | 3,487 |
| Net loans and leases to core deposits | 55.3432% | 3,624 |
| Total domestic deposits to total assets | 93.6639% | 350 |
| Equity capital to assets | 5.5306% | 4,351 |
| Core capital (leverage) ratio | 9.9893% | 2,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $336,612,000 | 2,300 |
| Average earning assets | $309,925,333 | 2,326 |
| Average equity | $24,918,333 | 2,686 |
| Average total loans | $167,748,333 | 2,486 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2169% | 2,632 |
| Cost of funding earning assets | 0.2883% | 1,750 |
| Net interest margin | 2.9286% | 2,736 |
| Noninterest income to average assets | 0.3115% | 3,236 |
| Noninterest expense to average assets | 2.3949% | 2,187 |
| Loan and lease loss provision to assets | 0.0708% | 1,163 |
| Net operating income to assets | 0.4176% | 3,918 |
| Return on assets (ROA) | 0.4176% | 3,882 |
| Pretax return on assets | 0.5179% | 3,839 |
| Return on Equity (ROE) | 5.0205% | 3,615 |
| Retained earnings to average equity (ytd only) | 5.0205% | 2,589 |
| Net charge-offs to loans | 0.0510% | 780 |
| Credit loss provision to net charge-offs | 285.7143% | 681 |
| Earnings coverage of net charge-offs (x) | 23.7619% | 1,224 |
| Efficiency ratio | 80.2689% | 1,130 |
| Assets per employee ($millions) | 5.5436% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2294% | 419 |
| Loan loss allowance to noncurrent loans | 1,705.1402% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 3,413 |
| Noncurrent loans to loans | 0.1307% | 3,158 |
| Net loans and leases to total assets | 48.1130% | 3,375 |
| Net loans and leases to deposits | 52.3581% | 3,544 |
| Net loans and leases to core deposits | 52.8385% | 3,675 |
| Total domestic deposits to total assets | 91.8921% | 618 |
| Equity capital to assets | 7.2850% | 4,054 |
| Core capital (leverage) ratio | 9.3354% | 2,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,058,000 | 2,303 |
| Average earning assets | $309,365,000 | 2,338 |
| Average equity | $28,204,500 | 2,589 |
| Average total loans | $164,653,000 | 2,513 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6722% | 2,192 |
| Cost of funding earning assets | 0.3619% | 1,837 |
| Net interest margin | 3.3103% | 2,287 |
| Noninterest income to average assets | 0.7328% | 1,654 |
| Noninterest expense to average assets | 2.5437% | 2,045 |
| Loan and lease loss provision to assets | 0.0822% | 1,494 |
| Net operating income to assets | 1.0429% | 2,512 |
| Return on assets (ROA) | 1.0552% | 2,539 |
| Pretax return on assets | 1.1420% | 2,845 |
| Return on Equity (ROE) | 10.7713% | 2,247 |
| Retained earnings to average equity (ytd only) | 4.5963% | 2,968 |
| Net charge-offs to loans | 0.0078% | 2,286 |
| Credit loss provision to net charge-offs | 2,076.9231% | 305 |
| Earnings coverage of net charge-offs (x) | 305.9231% | 401 |
| Efficiency ratio | 67.7506% | 2,022 |
| Assets per employee ($millions) | 5.8560% | 2,901 |
| Cash dividends to net income (ytd only)* | 57.3283% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1796% | 462 |
| Loan loss allowance to noncurrent loans | 791.6667% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 3,016 |
| Noncurrent loans to loans | 0.2753% | 2,618 |
| Net loans and leases to total assets | 46.8931% | 3,615 |
| Net loans and leases to deposits | 52.1559% | 3,725 |
| Net loans and leases to core deposits | 52.6227% | 3,850 |
| Total domestic deposits to total assets | 89.9095% | 1,000 |
| Equity capital to assets | 9.3134% | 3,306 |
| Core capital (leverage) ratio | 9.2595% | 3,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $328,456,000 | 2,301 |
| Average earning assets | $299,819,800 | 2,333 |
| Average equity | $32,178,000 | 2,416 |
| Average total loans | $166,821,800 | 2,494 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7448% | 2,159 |
| Cost of funding earning assets | 0.3798% | 1,857 |
| Net interest margin | 3.3650% | 2,253 |
| Noninterest income to average assets | 0.7859% | 1,570 |
| Noninterest expense to average assets | 2.4359% | 2,323 |
| Loan and lease loss provision to assets | 0.0740% | 1,565 |
| Net operating income to assets | 1.3535% | 1,682 |
| Return on assets (ROA) | 1.3716% | 1,679 |
| Pretax return on assets | 1.3728% | 2,428 |
| Return on Equity (ROE) | 13.8186% | 1,442 |
| Retained earnings to average equity (ytd only) | 5.7429% | 2,938 |
| Net charge-offs to loans | 0.0008% | 2,425 |
| Credit loss provision to net charge-offs | 18,000.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 3,474.0000% | 38 |
| Efficiency ratio | 63.0308% | 2,533 |
| Assets per employee ($millions) | 5.6481% | 3,043 |
| Cash dividends to net income (ytd only)* | 58.4408% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1265% | 515 |
| Loan loss allowance to noncurrent loans | 861.4634% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 3,311 |
| Noncurrent loans to loans | 0.2468% | 2,949 |
| Net loans and leases to total assets | 47.9692% | 3,632 |
| Net loans and leases to deposits | 53.5690% | 3,775 |
| Net loans and leases to core deposits | 54.1136% | 3,909 |
| Total domestic deposits to total assets | 89.5466% | 984 |
| Equity capital to assets | 9.5897% | 3,298 |
| Core capital (leverage) ratio | 9.4422% | 3,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $324,194,250 | 2,348 |
| Average earning assets | $296,613,750 | 2,373 |
| Average equity | $32,178,000 | 2,449 |
| Average total loans | $167,120,500 | 2,528 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8715% | 1,897 |
| Cost of funding earning assets | 0.4023% | 1,866 |
| Net interest margin | 3.4692% | 1,948 |
| Noninterest income to average assets | 0.6408% | 2,041 |
| Noninterest expense to average assets | 2.4447% | 2,325 |
| Loan and lease loss provision to assets | 0.0752% | 1,581 |
| Net operating income to assets | 1.2847% | 1,907 |
| Return on assets (ROA) | 1.3123% | 1,901 |
| Pretax return on assets | 1.3135% | 2,593 |
| Return on Equity (ROE) | 13.0646% | 1,694 |
| Retained earnings to average equity (ytd only) | 3.5047% | 3,685 |
| Net charge-offs to loans | 0.0072% | 1,875 |
| Credit loss provision to net charge-offs | 2,000.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 362.1667% | 327 |
| Efficiency ratio | 64.2363% | 2,396 |
| Assets per employee ($millions) | 5.4378% | 3,197 |
| Cash dividends to net income (ytd only)* | 73.1742% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1903% | 436 |
| Loan loss allowance to noncurrent loans | 717.8054% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 3,259 |
| Noncurrent loans to loans | 0.3051% | 2,830 |
| Net loans and leases to total assets | 47.4516% | 3,786 |
| Net loans and leases to deposits | 53.1113% | 3,923 |
| Net loans and leases to core deposits | 53.6718% | 4,040 |
| Total domestic deposits to total assets | 89.3438% | 1,116 |
| Equity capital to assets | 9.7931% | 3,066 |
| Core capital (leverage) ratio | 9.5660% | 2,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $319,297,000 | 2,364 |
| Average earning assets | $291,309,333 | 2,392 |
| Average equity | $32,071,333 | 2,447 |
| Average total loans | $167,463,000 | 2,531 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7572% | 2,222 |
| Cost of funding earning assets | 0.4240% | 1,907 |
| Net interest margin | 3.3332% | 2,289 |
| Noninterest income to average assets | 0.5636% | 2,358 |
| Noninterest expense to average assets | 2.5281% | 2,094 |
| Loan and lease loss provision to assets | 0.0760% | 1,672 |
| Net operating income to assets | 1.0665% | 2,583 |
| Return on assets (ROA) | 1.0779% | 2,629 |
| Pretax return on assets | 1.0779% | 3,171 |
| Return on Equity (ROE) | 10.5941% | 2,498 |
| Retained earnings to average equity (ytd only) | 10.5941% | 1,492 |
| Net charge-offs to loans | -0.0093% | 3,642 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8751% | 1,826 |
| Assets per employee ($millions) | 5.2917% | 3,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0244% | 570 |
| Loan loss allowance to noncurrent loans | 276.4563% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.3893% | 2,241 |
| Noncurrent loans to loans | 0.7323% | 1,770 |
| Net loans and leases to total assets | 52.0855% | 3,439 |
| Net loans and leases to deposits | 58.4645% | 3,601 |
| Net loans and leases to core deposits | 59.3025% | 3,755 |
| Total domestic deposits to total assets | 89.0891% | 1,297 |
| Equity capital to assets | 9.9994% | 2,709 |
| Core capital (leverage) ratio | 9.9345% | 2,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,811,000 | 2,370 |
| Average earning assets | $294,371,500 | 2,367 |
| Average equity | $32,131,000 | 2,435 |
| Average total loans | $172,051,000 | 2,501 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1101% | 2,392 |
| Cost of funding earning assets | 0.6367% | 2,076 |
| Net interest margin | 3.4734% | 2,552 |
| Noninterest income to average assets | 0.6297% | 2,098 |
| Noninterest expense to average assets | 2.8302% | 1,864 |
| Loan and lease loss provision to assets | 0.0833% | 3,337 |
| Net operating income to assets | 0.9233% | 2,596 |
| Return on assets (ROA) | 0.9441% | 2,657 |
| Pretax return on assets | 0.9455% | 3,233 |
| Return on Equity (ROE) | 8.6876% | 2,523 |
| Retained earnings to average equity (ytd only) | 2.9725% | 3,374 |
| Net charge-offs to loans | 0.0029% | 3,273 |
| Credit loss provision to net charge-offs | 4,800.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 581.0000% | 206 |
| Efficiency ratio | 73.7389% | 1,485 |
| Assets per employee ($millions) | 5.1496% | 3,230 |
| Cash dividends to net income (ytd only)* | 65.7846% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9126% | 702 |
| Loan loss allowance to noncurrent loans | 292.3278% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.3651% | 2,519 |
| Noncurrent loans to loans | 0.6543% | 2,044 |
| Net loans and leases to total assets | 54.7432% | 3,416 |
| Net loans and leases to deposits | 61.6624% | 3,630 |
| Net loans and leases to core deposits | 62.5515% | 3,803 |
| Total domestic deposits to total assets | 88.7789% | 1,083 |
| Equity capital to assets | 10.3507% | 2,797 |
| Core capital (leverage) ratio | 9.6547% | 2,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,215,000 | 2,353 |
| Average earning assets | $266,224,600 | 2,361 |
| Average equity | $31,320,600 | 2,415 |
| Average total loans | $172,426,600 | 2,470 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1458% | 2,535 |
| Cost of funding earning assets | 0.6870% | 2,108 |
| Net interest margin | 3.4588% | 2,726 |
| Noninterest income to average assets | 0.6564% | 1,960 |
| Noninterest expense to average assets | 2.8366% | 1,863 |
| Loan and lease loss provision to assets | 0.0852% | 3,243 |
| Net operating income to assets | 0.9115% | 2,648 |
| Return on assets (ROA) | 0.9399% | 2,692 |
| Pretax return on assets | 0.9413% | 3,260 |
| Return on Equity (ROE) | 8.5356% | 2,587 |
| Retained earnings to average equity (ytd only) | 2.1317% | 3,882 |
| Net charge-offs to loans | 0.0070% | 2,873 |
| Credit loss provision to net charge-offs | 2,000.0000% | 472 |
| Earnings coverage of net charge-offs (x) | 234.3333% | 439 |
| Efficiency ratio | 73.9726% | 1,405 |
| Assets per employee ($millions) | 5.0173% | 3,230 |
| Cash dividends to net income (ytd only)* | 75.0252% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7879% | 745 |
| Loan loss allowance to noncurrent loans | 325.6436% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3366% | 2,797 |
| Noncurrent loans to loans | 0.5490% | 2,423 |
| Net loans and leases to total assets | 58.0808% | 3,408 |
| Net loans and leases to deposits | 65.4717% | 3,661 |
| Net loans and leases to core deposits | 66.6685% | 3,851 |
| Total domestic deposits to total assets | 88.7113% | 892 |
| Equity capital to assets | 10.3085% | 2,953 |
| Core capital (leverage) ratio | 9.8837% | 2,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $281,738,000 | 2,369 |
| Average earning assets | $258,889,500 | 2,383 |
| Average equity | $31,022,250 | 2,423 |
| Average total loans | $171,704,750 | 2,472 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2523% | 2,602 |
| Cost of funding earning assets | 0.7372% | 2,188 |
| Net interest margin | 3.5151% | 2,738 |
| Noninterest income to average assets | 0.7178% | 1,676 |
| Noninterest expense to average assets | 3.0004% | 1,571 |
| Loan and lease loss provision to assets | 0.0882% | 3,175 |
| Net operating income to assets | 0.8920% | 2,717 |
| Return on assets (ROA) | 0.8972% | 2,821 |
| Pretax return on assets | 0.8987% | 3,314 |
| Return on Equity (ROE) | 7.9546% | 2,765 |
| Retained earnings to average equity (ytd only) | 0.2804% | 4,249 |
| Net charge-offs to loans | 0.0024% | 2,925 |
| Credit loss provision to net charge-offs | 6,000.0000% | 192 |
| Earnings coverage of net charge-offs (x) | 667.5000% | 148 |
| Efficiency ratio | 75.3463% | 1,326 |
| Assets per employee ($millions) | 4.8441% | 3,366 |
| Cash dividends to net income (ytd only)* | 96.4754% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8264% | 619 |
| Loan loss allowance to noncurrent loans | 211.2272% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 2,212 |
| Noncurrent loans to loans | 0.8646% | 1,762 |
| Net loans and leases to total assets | 58.8667% | 3,435 |
| Net loans and leases to deposits | 66.8115% | 3,656 |
| Net loans and leases to core deposits | 68.2769% | 3,848 |
| Total domestic deposits to total assets | 88.1087% | 1,121 |
| Equity capital to assets | 10.6642% | 2,608 |
| Core capital (leverage) ratio | 10.2142% | 2,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,960,000 | 2,403 |
| Average earning assets | $252,569,333 | 2,403 |
| Average equity | $30,674,000 | 2,431 |
| Average total loans | $167,619,000 | 2,489 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4697% | 2,392 |
| Cost of funding earning assets | 0.8107% | 2,320 |
| Net interest margin | 3.6589% | 2,478 |
| Noninterest income to average assets | 0.7210% | 1,562 |
| Noninterest expense to average assets | 3.2453% | 1,332 |
| Loan and lease loss provision to assets | 0.0922% | 2,531 |
| Net operating income to assets | 0.7902% | 2,938 |
| Return on assets (ROA) | 0.8009% | 2,995 |
| Pretax return on assets | 0.8009% | 3,415 |
| Return on Equity (ROE) | 6.8881% | 2,999 |
| Retained earnings to average equity (ytd only) | 6.8881% | 1,582 |
| Net charge-offs to loans | -0.0025% | 3,690 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6220% | 1,270 |
| Assets per employee ($millions) | 4.0718% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9321% | 571 |
| Loan loss allowance to noncurrent loans | 251.9017% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.5042% | 2,484 |
| Noncurrent loans to loans | 0.7670% | 2,082 |
| Net loans and leases to total assets | 61.9177% | 3,306 |
| Net loans and leases to deposits | 71.1006% | 3,507 |
| Net loans and leases to core deposits | 72.7959% | 3,713 |
| Total domestic deposits to total assets | 87.0846% | 1,526 |
| Equity capital to assets | 11.7822% | 2,224 |
| Core capital (leverage) ratio | 11.4704% | 2,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,193,500 | 2,430 |
| Average earning assets | $242,256,000 | 2,428 |
| Average equity | $30,255,000 | 2,438 |
| Average total loans | $162,837,000 | 2,517 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6511% | 2,468 |
| Cost of funding earning assets | 0.8035% | 2,670 |
| Net interest margin | 3.8476% | 2,346 |
| Noninterest income to average assets | 0.6074% | 2,183 |
| Noninterest expense to average assets | 2.9072% | 2,273 |
| Loan and lease loss provision to assets | 0.0950% | 2,136 |
| Net operating income to assets | 1.1737% | 2,159 |
| Return on assets (ROA) | 1.1764% | 2,248 |
| Pretax return on assets | 1.1780% | 2,919 |
| Return on Equity (ROE) | 10.4684% | 2,097 |
| Retained earnings to average equity (ytd only) | 4.1585% | 2,882 |
| Net charge-offs to loans | 0.0252% | 2,891 |
| Credit loss provision to net charge-offs | 585.3659% | 527 |
| Earnings coverage of net charge-offs (x) | 78.2927% | 804 |
| Efficiency ratio | 69.5936% | 2,237 |
| Assets per employee ($millions) | 3.9968% | 3,901 |
| Cash dividends to net income (ytd only)* | 60.2758% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9350% | 517 |
| Loan loss allowance to noncurrent loans | 159.8974% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.7706% | 1,678 |
| Noncurrent loans to loans | 1.2101% | 1,243 |
| Net loans and leases to total assets | 60.8266% | 3,523 |
| Net loans and leases to deposits | 69.6513% | 3,699 |
| Net loans and leases to core deposits | 71.1266% | 3,909 |
| Total domestic deposits to total assets | 87.3302% | 1,440 |
| Equity capital to assets | 11.4731% | 2,551 |
| Core capital (leverage) ratio | 11.1408% | 2,384 |
| Tier 1 risk-based capital ratio | 16.6344% | 2,173 |
| Total risk-based capital ratio | 17.8908% | 2,104 |
| Memoranda: | ||
| Average total assets | $252,714,200 | 2,440 |
| Average earning assets | $234,481,400 | 2,443 |
| Average equity | $28,399,800 | 2,476 |
| Average total loans | $162,471,200 | 2,481 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6648% | 2,516 |
| Cost of funding earning assets | 0.7488% | 2,972 |
| Net interest margin | 3.9159% | 2,202 |
| Noninterest income to average assets | 0.5791% | 2,310 |
| Noninterest expense to average assets | 2.9148% | 2,211 |
| Loan and lease loss provision to assets | 0.0956% | 2,002 |
| Net operating income to assets | 1.2013% | 2,187 |
| Return on assets (ROA) | 1.2050% | 2,262 |
| Pretax return on assets | 1.2066% | 2,961 |
| Return on Equity (ROE) | 10.7811% | 2,106 |
| Retained earnings to average equity (ytd only) | 2.8426% | 3,957 |
| Net charge-offs to loans | 0.0287% | 2,522 |
| Credit loss provision to net charge-offs | 514.2857% | 609 |
| Earnings coverage of net charge-offs (x) | 69.8219% | 951 |
| Efficiency ratio | 69.1803% | 2,229 |
| Assets per employee ($millions) | 4.0050% | 3,896 |
| Cash dividends to net income (ytd only)* | 73.6332% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7899% | 699 |
| Loan loss allowance to noncurrent loans | 174.9857% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.7003% | 1,951 |
| Noncurrent loans to loans | 1.0229% | 1,569 |
| Net loans and leases to total assets | 64.5795% | 3,227 |
| Net loans and leases to deposits | 75.4533% | 3,347 |
| Net loans and leases to core deposits | 76.9864% | 3,631 |
| Total domestic deposits to total assets | 85.5887% | 2,174 |
| Equity capital to assets | 11.2790% | 2,852 |
| Core capital (leverage) ratio | 11.0799% | 2,578 |
| Tier 1 risk-based capital ratio | 15.8169% | 2,509 |
| Total risk-based capital ratio | 17.0722% | 2,443 |
| Memoranda: | ||
| Average total assets | $250,945,000 | 2,474 |
| Average earning assets | $232,889,250 | 2,473 |
| Average equity | $28,048,250 | 2,510 |
| Average total loans | $162,804,000 | 2,503 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6110% | 2,642 |
| Cost of funding earning assets | 0.6941% | 3,201 |
| Net interest margin | 3.9168% | 2,196 |
| Noninterest income to average assets | 0.5125% | 2,609 |
| Noninterest expense to average assets | 2.9166% | 2,240 |
| Loan and lease loss provision to assets | 0.0968% | 1,924 |
| Net operating income to assets | 1.1315% | 2,399 |
| Return on assets (ROA) | 1.1371% | 2,458 |
| Pretax return on assets | 1.1387% | 3,127 |
| Return on Equity (ROE) | 10.2063% | 2,288 |
| Retained earnings to average equity (ytd only) | 0.2680% | 4,618 |
| Net charge-offs to loans | 0.0062% | 2,930 |
| Credit loss provision to net charge-offs | 2,400.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 304.8000% | 262 |
| Efficiency ratio | 70.3387% | 2,171 |
| Assets per employee ($millions) | 4.0404% | 3,815 |
| Cash dividends to net income (ytd only)* | 97.3740% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8411% | 634 |
| Loan loss allowance to noncurrent loans | 216.2509% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 2,278 |
| Noncurrent loans to loans | 0.8514% | 1,898 |
| Net loans and leases to total assets | 63.5493% | 3,393 |
| Net loans and leases to deposits | 74.1812% | 3,503 |
| Net loans and leases to core deposits | 75.1451% | 3,806 |
| Total domestic deposits to total assets | 85.6677% | 2,191 |
| Equity capital to assets | 11.2020% | 2,852 |
| Core capital (leverage) ratio | 11.2862% | 2,344 |
| Tier 1 risk-based capital ratio | 15.9250% | 2,444 |
| Total risk-based capital ratio | 17.1805% | 2,387 |
| Memoranda: | ||
| Average total assets | $247,818,670 | 2,505 |
| Average earning assets | $229,929,670 | 2,504 |
| Average equity | $27,610,330 | 2,528 |
| Average total loans | $160,012,000 | 2,540 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5905% | 2,561 |
| Cost of funding earning assets | 0.6510% | 3,320 |
| Net interest margin | 3.9395% | 2,065 |
| Noninterest income to average assets | 0.4811% | 2,671 |
| Noninterest expense to average assets | 3.0680% | 1,810 |
| Loan and lease loss provision to assets | 0.0982% | 1,782 |
| Net operating income to assets | 0.9687% | 2,977 |
| Return on assets (ROA) | 0.9687% | 3,020 |
| Pretax return on assets | 0.9687% | 3,549 |
| Return on Equity (ROE) | 8.7192% | 2,937 |
| Retained earnings to average equity (ytd only) | 8.7192% | 1,412 |
| Net charge-offs to loans | -0.0102% | 4,234 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1987% | 1,734 |
| Assets per employee ($millions) | 3.9399% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8708% | 622 |
| Loan loss allowance to noncurrent loans | 157.2483% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.8114% | 1,746 |
| Noncurrent loans to loans | 1.1897% | 1,391 |
| Net loans and leases to total assets | 64.0548% | 3,280 |
| Net loans and leases to deposits | 73.3951% | 3,498 |
| Net loans and leases to core deposits | 74.0698% | 3,791 |
| Total domestic deposits to total assets | 87.2740% | 1,674 |
| Equity capital to assets | 11.5028% | 2,397 |
| Core capital (leverage) ratio | 11.6820% | 1,999 |
| Tier 1 risk-based capital ratio | 16.7900% | 2,173 |
| Total risk-based capital ratio | 18.0461% | 2,127 |
| Memoranda: | ||
| Average total assets | $244,456,000 | 2,555 |
| Average earning assets | $226,729,000 | 2,540 |
| Average equity | $27,158,500 | 2,559 |
| Average total loans | $157,620,500 | 2,593 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4313% | 2,660 |
| Cost of funding earning assets | 0.5059% | 3,311 |
| Net interest margin | 3.9254% | 2,244 |
| Noninterest income to average assets | 0.6082% | 2,250 |
| Noninterest expense to average assets | 3.1774% | 1,604 |
| Loan and lease loss provision to assets | 0.0962% | 2,238 |
| Net operating income to assets | 0.9703% | 3,138 |
| Return on assets (ROA) | 0.9210% | 3,351 |
| Pretax return on assets | 0.9226% | 3,839 |
| Return on Equity (ROE) | 8.9481% | 3,021 |
| Retained earnings to average equity (ytd only) | 2.6622% | 4,073 |
| Net charge-offs to loans | 0.0487% | 2,458 |
| Credit loss provision to net charge-offs | 315.7895% | 987 |
| Earnings coverage of net charge-offs (x) | 35.0789% | 1,447 |
| Efficiency ratio | 74.8419% | 1,519 |
| Assets per employee ($millions) | 3.8832% | 4,052 |
| Cash dividends to net income (ytd only)* | 70.2479% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8737% | 602 |
| Loan loss allowance to noncurrent loans | 227.1595% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.5600% | 2,369 |
| Noncurrent loans to loans | 0.8248% | 1,949 |
| Net loans and leases to total assets | 62.4881% | 3,519 |
| Net loans and leases to deposits | 70.8891% | 3,756 |
| Net loans and leases to core deposits | 71.5266% | 4,027 |
| Total domestic deposits to total assets | 88.1491% | 1,236 |
| Equity capital to assets | 10.7174% | 2,959 |
| Core capital (leverage) ratio | 11.1957% | 2,359 |
| Tier 1 risk-based capital ratio | 16.7658% | 2,148 |
| Total risk-based capital ratio | 18.0220% | 2,094 |
| Memoranda: | ||
| Average total assets | $249,608,200 | 2,473 |
| Average earning assets | $231,286,000 | 2,476 |
| Average equity | $25,692,600 | 2,590 |
| Average total loans | $155,974,800 | 2,569 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3726% | 2,719 |
| Cost of funding earning assets | 0.4735% | 3,370 |
| Net interest margin | 3.8990% | 2,308 |
| Noninterest income to average assets | 0.5395% | 2,622 |
| Noninterest expense to average assets | 3.1003% | 1,766 |
| Loan and lease loss provision to assets | 0.0957% | 2,066 |
| Net operating income to assets | 0.9567% | 3,277 |
| Return on assets (ROA) | 0.9551% | 3,298 |
| Pretax return on assets | 0.9567% | 3,858 |
| Return on Equity (ROE) | 9.3734% | 2,918 |
| Retained earnings to average equity (ytd only) | 1.8257% | 4,628 |
| Net charge-offs to loans | 0.0547% | 2,036 |
| Credit loss provision to net charge-offs | 281.2500% | 1,073 |
| Earnings coverage of net charge-offs (x) | 30.9848% | 1,578 |
| Efficiency ratio | 74.6290% | 1,508 |
| Assets per employee ($millions) | 3.8397% | 4,122 |
| Cash dividends to net income (ytd only)* | 80.5233% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8327% | 674 |
| Loan loss allowance to noncurrent loans | 163.4035% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.7937% | 1,867 |
| Noncurrent loans to loans | 1.1216% | 1,519 |
| Net loans and leases to total assets | 63.5727% | 3,478 |
| Net loans and leases to deposits | 71.8364% | 3,784 |
| Net loans and leases to core deposits | 72.5819% | 4,038 |
| Total domestic deposits to total assets | 88.4965% | 1,049 |
| Equity capital to assets | 10.3179% | 3,314 |
| Core capital (leverage) ratio | 11.0549% | 2,527 |
| Tier 1 risk-based capital ratio | 16.5819% | 2,251 |
| Total risk-based capital ratio | 17.8376% | 2,190 |
| Memoranda: | ||
| Average total assets | $250,850,250 | 2,480 |
| Average earning assets | $232,565,250 | 2,482 |
| Average equity | $25,561,000 | 2,612 |
| Average total loans | $156,021,000 | 2,581 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2759% | 2,849 |
| Cost of funding earning assets | 0.4490% | 3,366 |
| Net interest margin | 3.8269% | 2,473 |
| Noninterest income to average assets | 0.4948% | 2,889 |
| Noninterest expense to average assets | 3.0374% | 1,944 |
| Loan and lease loss provision to assets | 0.0946% | 2,034 |
| Net operating income to assets | 0.9069% | 3,429 |
| Return on assets (ROA) | 0.9045% | 3,443 |
| Pretax return on assets | 0.9061% | 3,944 |
| Return on Equity (ROE) | 8.9125% | 3,068 |
| Retained earnings to average equity (ytd only) | -0.5900% | 5,040 |
| Net charge-offs to loans | 0.0847% | 1,487 |
| Credit loss provision to net charge-offs | 181.8182% | 1,397 |
| Earnings coverage of net charge-offs (x) | 19.2879% | 1,855 |
| Efficiency ratio | 75.1755% | 1,535 |
| Assets per employee ($millions) | 4.0761% | 3,770 |
| Cash dividends to net income (ytd only)* | 106.6202% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7738% | 791 |
| Loan loss allowance to noncurrent loans | 127.2192% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.9351% | 1,610 |
| Noncurrent loans to loans | 1.3943% | 1,213 |
| Net loans and leases to total assets | 62.5597% | 3,540 |
| Net loans and leases to deposits | 70.4243% | 3,820 |
| Net loans and leases to core deposits | 71.1299% | 4,074 |
| Total domestic deposits to total assets | 88.8325% | 1,003 |
| Equity capital to assets | 10.0884% | 3,547 |
| Core capital (leverage) ratio | 10.8018% | 2,697 |
| Tier 1 risk-based capital ratio | 16.0174% | 2,429 |
| Total risk-based capital ratio | 17.2724% | 2,366 |
| Memoranda: | ||
| Average total assets | $253,833,330 | 2,477 |
| Average earning assets | $235,179,330 | 2,474 |
| Average equity | $25,761,670 | 2,610 |
| Average total loans | $155,810,000 | 2,597 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2220% | 2,813 |
| Cost of funding earning assets | 0.4246% | 3,406 |
| Net interest margin | 3.7975% | 2,434 |
| Noninterest income to average assets | 0.3744% | 3,635 |
| Noninterest expense to average assets | 3.0932% | 1,844 |
| Loan and lease loss provision to assets | 0.0936% | 1,948 |
| Net operating income to assets | 0.7035% | 4,088 |
| Return on assets (ROA) | 0.7035% | 4,094 |
| Pretax return on assets | 0.7035% | 4,435 |
| Return on Equity (ROE) | 6.9117% | 3,824 |
| Retained earnings to average equity (ytd only) | 6.9117% | 2,323 |
| Net charge-offs to loans | -0.0104% | 4,264 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5108% | 1,194 |
| Assets per employee ($millions) | 4.0900% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8264% | 743 |
| Loan loss allowance to noncurrent loans | 131.7290% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.9086% | 1,746 |
| Noncurrent loans to loans | 1.3865% | 1,285 |
| Net loans and leases to total assets | 60.7334% | 3,675 |
| Net loans and leases to deposits | 68.8728% | 3,887 |
| Net loans and leases to core deposits | 76.1746% | 3,655 |
| Total domestic deposits to total assets | 88.1820% | 1,517 |
| Equity capital to assets | 10.3093% | 3,269 |
| Core capital (leverage) ratio | 10.8212% | 2,611 |
| Tier 1 risk-based capital ratio | 16.5302% | 2,262 |
| Total risk-based capital ratio | 17.7852% | 2,212 |
| Memoranda: | ||
| Average total assets | $256,429,500 | 2,470 |
| Average earning assets | $237,421,000 | 2,474 |
| Average equity | $26,100,500 | 2,604 |
| Average total loans | $154,536,000 | 2,638 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1033% | 3,044 |
| Cost of funding earning assets | 0.3679% | 3,541 |
| Net interest margin | 3.7355% | 2,658 |
| Noninterest income to average assets | 0.5012% | 2,991 |
| Noninterest expense to average assets | 2.7380% | 3,005 |
| Loan and lease loss provision to assets | 0.0599% | 3,034 |
| Net operating income to assets | 1.1705% | 1,615 |
| Return on assets (ROA) | 1.1341% | 1,771 |
| Pretax return on assets | 1.1356% | 3,040 |
| Return on Equity (ROE) | 11.6798% | 1,292 |
| Retained earnings to average equity (ytd only) | 4.8794% | 2,205 |
| Net charge-offs to loans | 0.0324% | 3,139 |
| Credit loss provision to net charge-offs | 313.7255% | 913 |
| Earnings coverage of net charge-offs (x) | 64.4902% | 905 |
| Efficiency ratio | 68.9688% | 2,709 |
| Assets per employee ($millions) | 4.3895% | 3,358 |
| Cash dividends to net income (ytd only)* | 58.2232% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7805% | 805 |
| Loan loss allowance to noncurrent loans | 164.4776% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.7321% | 2,137 |
| Noncurrent loans to loans | 1.0825% | 1,641 |
| Net loans and leases to total assets | 57.7039% | 4,031 |
| Net loans and leases to deposits | 65.1551% | 4,248 |
| Net loans and leases to core deposits | 73.3050% | 3,937 |
| Total domestic deposits to total assets | 88.5639% | 1,217 |
| Equity capital to assets | 10.0544% | 3,638 |
| Core capital (leverage) ratio | 10.0820% | 3,346 |
| Tier 1 risk-based capital ratio | 15.9869% | 2,434 |
| Total risk-based capital ratio | 17.2413% | 2,374 |
| Memoranda: | ||
| Average total assets | $266,984,200 | 2,362 |
| Average earning assets | $247,921,600 | 2,362 |
| Average equity | $25,925,200 | 2,611 |
| Average total loans | $157,510,800 | 2,572 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0657% | 3,108 |
| Cost of funding earning assets | 0.3563% | 3,609 |
| Net interest margin | 3.7094% | 2,721 |
| Noninterest income to average assets | 0.4838% | 3,127 |
| Noninterest expense to average assets | 2.7518% | 2,894 |
| Loan and lease loss provision to assets | 0.0796% | 2,490 |
| Net operating income to assets | 1.1019% | 2,084 |
| Return on assets (ROA) | 1.1407% | 1,966 |
| Pretax return on assets | 1.1422% | 3,145 |
| Return on Equity (ROE) | 11.8509% | 1,381 |
| Retained earnings to average equity (ytd only) | 3.4022% | 3,901 |
| Net charge-offs to loans | 0.0531% | 2,382 |
| Credit loss provision to net charge-offs | 253.9683% | 1,118 |
| Earnings coverage of net charge-offs (x) | 37.7292% | 1,361 |
| Efficiency ratio | 69.9342% | 2,549 |
| Assets per employee ($millions) | 4.7496% | 2,765 |
| Cash dividends to net income (ytd only)* | 71.2915% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7463% | 949 |
| Loan loss allowance to noncurrent loans | 139.5929% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.7890% | 2,165 |
| Noncurrent loans to loans | 1.2510% | 1,528 |
| Net loans and leases to total assets | 57.0076% | 4,154 |
| Net loans and leases to deposits | 64.2136% | 4,364 |
| Net loans and leases to core deposits | 71.9623% | 4,132 |
| Total domestic deposits to total assets | 88.7781% | 985 |
| Equity capital to assets | 9.8612% | 4,077 |
| Core capital (leverage) ratio | 9.9217% | 3,668 |
| Tier 1 risk-based capital ratio | 15.4087% | 2,743 |
| Total risk-based capital ratio | 16.6628% | 2,688 |
| Memoranda: | ||
| Average total assets | $267,888,500 | 2,377 |
| Average earning assets | $249,234,750 | 2,376 |
| Average equity | $25,786,500 | 2,642 |
| Average total loans | $158,206,500 | 2,587 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0594% | 2,976 |
| Cost of funding earning assets | 0.3471% | 3,614 |
| Net interest margin | 3.7122% | 2,614 |
| Noninterest income to average assets | 0.5012% | 3,018 |
| Noninterest expense to average assets | 2.7946% | 2,785 |
| Loan and lease loss provision to assets | 0.0899% | 2,185 |
| Net operating income to assets | 1.0684% | 2,126 |
| Return on assets (ROA) | 1.1268% | 1,919 |
| Pretax return on assets | 1.1283% | 3,058 |
| Return on Equity (ROE) | 11.8039% | 1,359 |
| Retained earnings to average equity (ytd only) | 1.9072% | 4,489 |
| Net charge-offs to loans | 0.0303% | 2,602 |
| Credit loss provision to net charge-offs | 500.0000% | 656 |
| Earnings coverage of net charge-offs (x) | 64.5000% | 895 |
| Efficiency ratio | 70.6707% | 2,563 |
| Assets per employee ($millions) | 4.1076% | 3,774 |
| Cash dividends to net income (ytd only)* | 83.8431% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7632% | 958 |
| Loan loss allowance to noncurrent loans | 155.9727% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.7338% | 2,366 |
| Noncurrent loans to loans | 1.1305% | 1,737 |
| Net loans and leases to total assets | 58.1124% | 4,019 |
| Net loans and leases to deposits | 65.6067% | 4,253 |
| Net loans and leases to core deposits | 74.0403% | 3,936 |
| Total domestic deposits to total assets | 88.5769% | 1,167 |
| Equity capital to assets | 10.0491% | 3,853 |
| Core capital (leverage) ratio | 10.0561% | 3,464 |
| Tier 1 risk-based capital ratio | 15.3975% | 2,748 |
| Total risk-based capital ratio | 16.6517% | 2,688 |
| Memoranda: | ||
| Average total assets | $266,941,670 | 2,394 |
| Average earning assets | $248,314,330 | 2,391 |
| Average equity | $25,483,000 | 2,669 |
| Average total loans | $158,582,330 | 2,585 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 3,044 |
| Cost of funding earning assets | 0.3392% | 3,640 |
| Net interest margin | 3.6595% | 2,656 |
| Noninterest income to average assets | 0.4402% | 3,375 |
| Noninterest expense to average assets | 2.8256% | 2,704 |
| Loan and lease loss provision to assets | 0.0892% | 2,054 |
| Net operating income to assets | 0.9265% | 2,632 |
| Return on assets (ROA) | 1.0261% | 2,242 |
| Pretax return on assets | 1.0261% | 3,257 |
| Return on Equity (ROE) | 11.0332% | 1,551 |
| Retained earnings to average equity (ytd only) | 0.2399% | 4,858 |
| Net charge-offs to loans | 0.0225% | 2,317 |
| Credit loss provision to net charge-offs | 666.6667% | 475 |
| Earnings coverage of net charge-offs (x) | 75.8889% | 681 |
| Efficiency ratio | 73.5579% | 2,308 |
| Assets per employee ($millions) | 4.1793% | 3,697 |
| Cash dividends to net income (ytd only)* | 97.8261% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6958% | 1,149 |
| Loan loss allowance to noncurrent loans | 138.2368% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.8113% | 2,268 |
| Noncurrent loans to loans | 1.2267% | 1,651 |
| Net loans and leases to total assets | 59.3805% | 3,847 |
| Net loans and leases to deposits | 66.6797% | 4,116 |
| Net loans and leases to core deposits | 75.7821% | 3,676 |
| Total domestic deposits to total assets | 89.0533% | 1,120 |
| Equity capital to assets | 9.5927% | 4,188 |
| Core capital (leverage) ratio | 9.6940% | 3,880 |
| Tier 1 risk-based capital ratio | 15.0573% | 2,941 |
| Total risk-based capital ratio | 16.3110% | 2,869 |
| Memoranda: | ||
| Average total assets | $268,968,000 | 2,407 |
| Average earning assets | $249,977,500 | 2,395 |
| Average equity | $25,015,500 | 2,713 |
| Average total loans | $160,117,000 | 2,576 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9290% | 3,459 |
| Cost of funding earning assets | 0.4257% | 2,749 |
| Net interest margin | 3.5032% | 3,419 |
| Noninterest income to average assets | 0.6314% | 2,498 |
| Noninterest expense to average assets | 2.6160% | 3,630 |
| Loan and lease loss provision to assets | 0.1260% | 1,970 |
| Net operating income to assets | 1.1486% | 1,698 |
| Return on assets (ROA) | 1.1190% | 1,909 |
| Pretax return on assets | 1.1205% | 3,014 |
| Return on Equity (ROE) | 11.6396% | 1,355 |
| Retained earnings to average equity (ytd only) | 4.4104% | 2,775 |
| Net charge-offs to loans | -0.0174% | 5,087 |
| Credit loss provision to net charge-offs | -1,277.7778% | 5,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2140% | 3,400 |
| Assets per employee ($millions) | 4.4297% | 3,220 |
| Cash dividends to net income (ytd only)* | 62.1084% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6415% | 1,281 |
| Loan loss allowance to noncurrent loans | 141.0448% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.7657% | 2,438 |
| Noncurrent loans to loans | 1.1638% | 1,763 |
| Net loans and leases to total assets | 57.7281% | 4,094 |
| Net loans and leases to deposits | 64.3464% | 4,381 |
| Net loans and leases to core deposits | 77.1013% | 3,650 |
| Total domestic deposits to total assets | 89.7146% | 767 |
| Equity capital to assets | 9.0205% | 4,794 |
| Core capital (leverage) ratio | 9.3931% | 4,227 |
| Tier 1 risk-based capital ratio | 14.7319% | 3,083 |
| Total risk-based capital ratio | 15.9847% | 3,026 |
| Memoranda: | ||
| Average total assets | $273,816,200 | 2,332 |
| Average earning assets | $254,850,200 | 2,321 |
| Average equity | $26,324,000 | 2,611 |
| Average total loans | $154,945,800 | 2,580 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9057% | 3,568 |
| Cost of funding earning assets | 0.4465% | 2,584 |
| Net interest margin | 3.4592% | 3,629 |
| Noninterest income to average assets | 0.6827% | 2,252 |
| Noninterest expense to average assets | 2.6139% | 3,612 |
| Loan and lease loss provision to assets | 0.1145% | 2,019 |
| Net operating income to assets | 1.1734% | 1,725 |
| Return on assets (ROA) | 1.2187% | 1,671 |
| Pretax return on assets | 1.2202% | 2,749 |
| Return on Equity (ROE) | 12.4837% | 1,179 |
| Retained earnings to average equity (ytd only) | 3.6538% | 3,702 |
| Net charge-offs to loans | -0.0235% | 5,066 |
| Credit loss provision to net charge-offs | -870.3704% | 5,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9663% | 3,428 |
| Assets per employee ($millions) | 4.5021% | 3,081 |
| Cash dividends to net income (ytd only)* | 70.7318% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5997% | 1,471 |
| Loan loss allowance to noncurrent loans | 112.8616% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.9908% | 2,092 |
| Noncurrent loans to loans | 1.4174% | 1,543 |
| Net loans and leases to total assets | 56.8019% | 4,220 |
| Net loans and leases to deposits | 63.9258% | 4,495 |
| Net loans and leases to core deposits | 77.2210% | 3,730 |
| Total domestic deposits to total assets | 88.8559% | 985 |
| Equity capital to assets | 9.8110% | 4,352 |
| Core capital (leverage) ratio | 9.3736% | 4,367 |
| Tier 1 risk-based capital ratio | 14.7223% | 3,179 |
| Total risk-based capital ratio | 15.9745% | 3,116 |
| Memoranda: | ||
| Average total assets | $273,610,000 | 2,340 |
| Average earning assets | $254,734,750 | 2,332 |
| Average equity | $26,711,500 | 2,609 |
| Average total loans | $153,384,500 | 2,600 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8911% | 3,635 |
| Cost of funding earning assets | 0.4669% | 2,410 |
| Net interest margin | 3.4241% | 3,780 |
| Noninterest income to average assets | 0.7590% | 1,894 |
| Noninterest expense to average assets | 2.5682% | 3,824 |
| Loan and lease loss provision to assets | 0.1281% | 1,781 |
| Net operating income to assets | 1.2493% | 1,427 |
| Return on assets (ROA) | 1.2471% | 1,545 |
| Pretax return on assets | 1.2486% | 2,603 |
| Return on Equity (ROE) | 12.7957% | 1,082 |
| Retained earnings to average equity (ytd only) | 1.9674% | 4,577 |
| Net charge-offs to loans | 0.0607% | 2,327 |
| Credit loss provision to net charge-offs | 380.4348% | 799 |
| Earnings coverage of net charge-offs (x) | 40.9565% | 1,141 |
| Efficiency ratio | 65.0658% | 3,835 |
| Assets per employee ($millions) | 4.2574% | 3,453 |
| Cash dividends to net income (ytd only)* | 84.6244% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 1,679 |
| Loan loss allowance to noncurrent loans | 114.2110% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.8922% | 2,373 |
| Noncurrent loans to loans | 1.3559% | 1,654 |
| Net loans and leases to total assets | 56.0665% | 4,304 |
| Net loans and leases to deposits | 63.6504% | 4,516 |
| Net loans and leases to core deposits | 76.8340% | 3,754 |
| Total domestic deposits to total assets | 88.0851% | 1,386 |
| Equity capital to assets | 9.8689% | 4,368 |
| Core capital (leverage) ratio | 9.3210% | 4,431 |
| Tier 1 risk-based capital ratio | 14.7540% | 3,178 |
| Total risk-based capital ratio | 16.0060% | 3,126 |
| Memoranda: | ||
| Average total assets | $273,270,000 | 2,349 |
| Average earning assets | $254,428,330 | 2,351 |
| Average equity | $26,634,000 | 2,622 |
| Average total loans | $151,669,000 | 2,625 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3769% | 1,871 |
| Cost of funding earning assets | 0.4809% | 2,268 |
| Net interest margin | 3.8960% | 1,945 |
| Noninterest income to average assets | 0.4502% | 3,483 |
| Noninterest expense to average assets | 2.5681% | 3,853 |
| Loan and lease loss provision to assets | 0.1681% | 1,230 |
| Net operating income to assets | 1.3374% | 1,162 |
| Return on assets (ROA) | 1.3374% | 1,246 |
| Pretax return on assets | 1.3374% | 2,145 |
| Return on Equity (ROE) | 13.8082% | 873 |
| Retained earnings to average equity (ytd only) | 13.8082% | 333 |
| Net charge-offs to loans | -0.1014% | 5,640 |
| Credit loss provision to net charge-offs | -302.6316% | 4,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0427% | 4,296 |
| Assets per employee ($millions) | 4.1834% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 1,567 |
| Loan loss allowance to noncurrent loans | 102.3619% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.0588% | 2,092 |
| Noncurrent loans to loans | 1.5774% | 1,475 |
| Net loans and leases to total assets | 54.3844% | 4,417 |
| Net loans and leases to deposits | 61.8268% | 4,588 |
| Net loans and leases to core deposits | 73.1299% | 3,969 |
| Total domestic deposits to total assets | 87.9625% | 1,660 |
| Equity capital to assets | 10.0100% | 4,069 |
| Core capital (leverage) ratio | 9.5224% | 4,156 |
| Tier 1 risk-based capital ratio | 15.2635% | 3,034 |
| Total risk-based capital ratio | 16.5157% | 2,976 |
| Memoranda: | ||
| Average total assets | $273,668,500 | 2,358 |
| Average earning assets | $254,516,000 | 2,351 |
| Average equity | $26,506,000 | 2,628 |
| Average total loans | $149,919,000 | 2,650 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9040% | 3,691 |
| Cost of funding earning assets | 0.5506% | 1,749 |
| Net interest margin | 3.3533% | 4,100 |
| Noninterest income to average assets | 0.4365% | 3,774 |
| Noninterest expense to average assets | 2.4190% | 4,468 |
| Loan and lease loss provision to assets | 0.0892% | 2,518 |
| Net operating income to assets | 1.0420% | 2,162 |
| Return on assets (ROA) | 1.1456% | 1,817 |
| Pretax return on assets | 1.1471% | 2,856 |
| Return on Equity (ROE) | 12.2749% | 1,236 |
| Retained earnings to average equity (ytd only) | 5.9783% | 1,801 |
| Net charge-offs to loans | 0.0851% | 2,612 |
| Credit loss provision to net charge-offs | 190.4762% | 1,451 |
| Earnings coverage of net charge-offs (x) | 24.1984% | 1,689 |
| Efficiency ratio | 68.1100% | 3,551 |
| Assets per employee ($millions) | 4.3034% | 3,377 |
| Cash dividends to net income (ytd only)* | 51.2970% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 1,897 |
| Loan loss allowance to noncurrent loans | 91.5091% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.0762% | 2,035 |
| Noncurrent loans to loans | 1.6619% | 1,372 |
| Net loans and leases to total assets | 53.4662% | 4,548 |
| Net loans and leases to deposits | 60.1482% | 4,766 |
| Net loans and leases to core deposits | 72.4051% | 4,095 |
| Total domestic deposits to total assets | 88.8907% | 1,179 |
| Equity capital to assets | 9.3650% | 4,714 |
| Core capital (leverage) ratio | 9.0410% | 4,830 |
| Tier 1 risk-based capital ratio | 14.9539% | 3,198 |
| Total risk-based capital ratio | 16.2049% | 3,132 |
| Memoranda: | ||
| Average total assets | $269,205,400 | 2,351 |
| Average earning assets | $250,078,600 | 2,339 |
| Average equity | $25,124,400 | 2,678 |
| Average total loans | $148,021,000 | 2,624 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9198% | 3,684 |
| Cost of funding earning assets | 0.5636% | 1,680 |
| Net interest margin | 3.3561% | 4,123 |
| Noninterest income to average assets | 0.4359% | 3,827 |
| Noninterest expense to average assets | 2.4718% | 4,281 |
| Loan and lease loss provision to assets | 0.0897% | 2,366 |
| Net operating income to assets | 0.9933% | 2,504 |
| Return on assets (ROA) | 1.1323% | 1,962 |
| Pretax return on assets | 1.1338% | 3,085 |
| Return on Equity (ROE) | 12.1431% | 1,338 |
| Retained earnings to average equity (ytd only) | 4.8402% | 3,025 |
| Net charge-offs to loans | 0.1057% | 2,075 |
| Credit loss provision to net charge-offs | 153.8462% | 1,643 |
| Earnings coverage of net charge-offs (x) | 18.6063% | 1,992 |
| Efficiency ratio | 69.5055% | 3,293 |
| Assets per employee ($millions) | 4.2716% | 3,379 |
| Cash dividends to net income (ytd only)* | 60.1408% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 2,360 |
| Loan loss allowance to noncurrent loans | 81.2203% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.2359% | 1,898 |
| Noncurrent loans to loans | 1.7888% | 1,332 |
| Net loans and leases to total assets | 56.0313% | 4,354 |
| Net loans and leases to deposits | 63.3157% | 4,617 |
| Net loans and leases to core deposits | 75.8883% | 3,817 |
| Total domestic deposits to total assets | 88.4951% | 1,300 |
| Equity capital to assets | 9.4273% | 4,848 |
| Core capital (leverage) ratio | 8.9459% | 5,058 |
| Tier 1 risk-based capital ratio | 14.6425% | 3,473 |
| Total risk-based capital ratio | 15.8934% | 3,410 |
| Memoranda: | ||
| Average total assets | $267,652,000 | 2,379 |
| Average earning assets | $248,851,500 | 2,368 |
| Average equity | $24,957,250 | 2,719 |
| Average total loans | $147,643,750 | 2,635 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8489% | 3,877 |
| Cost of funding earning assets | 0.5737% | 1,618 |
| Net interest margin | 3.2753% | 4,395 |
| Noninterest income to average assets | 0.4072% | 4,035 |
| Noninterest expense to average assets | 2.5011% | 4,240 |
| Loan and lease loss provision to assets | 0.0898% | 2,318 |
| Net operating income to assets | 0.8579% | 3,094 |
| Return on assets (ROA) | 1.0668% | 2,174 |
| Pretax return on assets | 1.0683% | 3,310 |
| Return on Equity (ROE) | 11.4828% | 1,527 |
| Retained earnings to average equity (ytd only) | 2.8526% | 4,219 |
| Net charge-offs to loans | 0.0521% | 2,676 |
| Credit loss provision to net charge-offs | 315.7895% | 900 |
| Earnings coverage of net charge-offs (x) | 33.3684% | 1,275 |
| Efficiency ratio | 72.4886% | 2,937 |
| Assets per employee ($millions) | 4.3618% | 3,190 |
| Cash dividends to net income (ytd only)* | 75.1579% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 2,371 |
| Loan loss allowance to noncurrent loans | 91.9606% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.1079% | 2,292 |
| Noncurrent loans to loans | 1.6118% | 1,630 |
| Net loans and leases to total assets | 55.1039% | 4,438 |
| Net loans and leases to deposits | 61.8603% | 4,713 |
| Net loans and leases to core deposits | 74.6293% | 3,892 |
| Total domestic deposits to total assets | 89.0779% | 1,109 |
| Equity capital to assets | 8.9945% | 5,238 |
| Core capital (leverage) ratio | 8.9614% | 5,021 |
| Tier 1 risk-based capital ratio | 14.4952% | 3,639 |
| Total risk-based capital ratio | 15.7465% | 3,564 |
| Memoranda: | ||
| Average total assets | $267,165,330 | 2,395 |
| Average earning assets | $248,224,000 | 2,383 |
| Average equity | $24,819,670 | 2,736 |
| Average total loans | $145,855,000 | 2,671 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8350% | 3,875 |
| Cost of funding earning assets | 0.5883% | 1,516 |
| Net interest margin | 3.2468% | 4,436 |
| Noninterest income to average assets | 0.3480% | 4,416 |
| Noninterest expense to average assets | 2.4675% | 4,376 |
| Loan and lease loss provision to assets | 0.0904% | 2,183 |
| Net operating income to assets | 0.7999% | 3,262 |
| Return on assets (ROA) | 1.0982% | 1,990 |
| Pretax return on assets | 1.0982% | 3,088 |
| Return on Equity (ROE) | 11.6326% | 1,444 |
| Retained earnings to average equity (ytd only) | 11.6326% | 624 |
| Net charge-offs to loans | 0.1174% | 1,575 |
| Credit loss provision to net charge-offs | 142.8571% | 1,288 |
| Earnings coverage of net charge-offs (x) | 14.0714% | 1,688 |
| Efficiency ratio | 73.4859% | 2,903 |
| Assets per employee ($millions) | 3.9407% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5118% | 2,400 |
| Loan loss allowance to noncurrent loans | 79.1712% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.3078% | 2,031 |
| Noncurrent loans to loans | 1.9095% | 1,405 |
| Net loans and leases to total assets | 53.7409% | 4,479 |
| Net loans and leases to deposits | 60.8039% | 4,682 |
| Net loans and leases to core deposits | 71.9439% | 3,968 |
| Total domestic deposits to total assets | 88.3839% | 1,604 |
| Equity capital to assets | 9.7273% | 4,467 |
| Core capital (leverage) ratio | 9.1944% | 4,725 |
| Tier 1 risk-based capital ratio | 15.3722% | 3,214 |
| Total risk-based capital ratio | 16.6240% | 3,141 |
| Memoranda: | ||
| Average total assets | $265,531,500 | 2,423 |
| Average earning assets | $246,153,000 | 2,412 |
| Average equity | $25,067,500 | 2,744 |
| Average total loans | $143,152,000 | 2,714 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0944% | 3,350 |
| Cost of funding earning assets | 0.6519% | 1,390 |
| Net interest margin | 3.4424% | 4,013 |
| Noninterest income to average assets | 0.4120% | 4,096 |
| Noninterest expense to average assets | 2.5263% | 4,462 |
| Loan and lease loss provision to assets | 0.0939% | 2,586 |
| Net operating income to assets | 0.9484% | 2,638 |
| Return on assets (ROA) | 0.9535% | 2,694 |
| Pretax return on assets | 0.9558% | 3,664 |
| Return on Equity (ROE) | 10.4244% | 1,944 |
| Retained earnings to average equity (ytd only) | 4.2818% | 3,142 |
| Net charge-offs to loans | 0.1101% | 2,941 |
| Credit loss provision to net charge-offs | 154.8387% | 1,568 |
| Earnings coverage of net charge-offs (x) | 17.2258% | 1,946 |
| Efficiency ratio | 70.7461% | 3,425 |
| Assets per employee ($millions) | 3.9856% | 3,990 |
| Cash dividends to net income (ytd only)* | 58.9249% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 2,392 |
| Loan loss allowance to noncurrent loans | 80.5369% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.2343% | 2,295 |
| Noncurrent loans to loans | 1.8856% | 1,499 |
| Net loans and leases to total assets | 52.4557% | 4,748 |
| Net loans and leases to deposits | 58.9093% | 4,987 |
| Net loans and leases to core deposits | 69.9838% | 4,330 |
| Total domestic deposits to total assets | 89.0448% | 1,216 |
| Equity capital to assets | 9.1569% | 5,121 |
| Core capital (leverage) ratio | 8.8952% | 5,129 |
| Tier 1 risk-based capital ratio | 15.2727% | 3,331 |
| Total risk-based capital ratio | 16.5245% | 3,281 |
| Memoranda: | ||
| Average total assets | $255,596,000 | 2,477 |
| Average earning assets | $234,542,400 | 2,472 |
| Average equity | $23,377,800 | 2,813 |
| Average total loans | $140,800,800 | 2,703 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1158% | 3,317 |
| Cost of funding earning assets | 0.6633% | 1,371 |
| Net interest margin | 3.4525% | 4,011 |
| Noninterest income to average assets | 0.4305% | 4,017 |
| Noninterest expense to average assets | 2.4911% | 4,559 |
| Loan and lease loss provision to assets | 0.0950% | 2,465 |
| Net operating income to assets | 1.0050% | 2,430 |
| Return on assets (ROA) | 0.9971% | 2,528 |
| Pretax return on assets | 0.9997% | 3,592 |
| Return on Equity (ROE) | 10.9045% | 1,826 |
| Retained earnings to average equity (ytd only) | 3.9983% | 3,808 |
| Net charge-offs to loans | 0.0133% | 4,287 |
| Credit loss provision to net charge-offs | 1,285.7143% | 266 |
| Earnings coverage of net charge-offs (x) | 149.2555% | 419 |
| Efficiency ratio | 69.3188% | 3,624 |
| Assets per employee ($millions) | 3.7204% | 4,451 |
| Cash dividends to net income (ytd only)* | 63.3333% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5858% | 2,348 |
| Loan loss allowance to noncurrent loans | 88.8580% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.2637% | 2,439 |
| Noncurrent loans to loans | 1.7846% | 1,816 |
| Net loans and leases to total assets | 54.1778% | 4,557 |
| Net loans and leases to deposits | 61.0804% | 4,838 |
| Net loans and leases to core deposits | 71.4476% | 4,207 |
| Total domestic deposits to total assets | 88.6991% | 1,402 |
| Equity capital to assets | 9.3298% | 5,005 |
| Core capital (leverage) ratio | 8.9562% | 5,126 |
| Tier 1 risk-based capital ratio | 14.8581% | 3,674 |
| Total risk-based capital ratio | 16.1105% | 3,610 |
| Memoranda: | ||
| Average total assets | $252,736,750 | 2,514 |
| Average earning assets | $231,557,000 | 2,524 |
| Average equity | $23,109,250 | 2,842 |
| Average total loans | $140,442,500 | 2,723 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 3,340 |
| Cost of funding earning assets | 0.6694% | 1,384 |
| Net interest margin | 3.4305% | 4,056 |
| Noninterest income to average assets | 0.3985% | 4,254 |
| Noninterest expense to average assets | 2.5456% | 4,435 |
| Loan and lease loss provision to assets | 0.0955% | 2,435 |
| Net operating income to assets | 0.8894% | 2,862 |
| Return on assets (ROA) | 0.8751% | 3,023 |
| Pretax return on assets | 0.8782% | 3,968 |
| Return on Equity (ROE) | 9.6369% | 2,305 |
| Retained earnings to average equity (ytd only) | 1.9011% | 4,932 |
| Net charge-offs to loans | -0.0014% | 5,039 |
| Credit loss provision to net charge-offs | -12,000.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0396% | 3,331 |
| Assets per employee ($millions) | 4.0081% | 3,822 |
| Cash dividends to net income (ytd only)* | 80.2727% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 2,752 |
| Loan loss allowance to noncurrent loans | 74.8977% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 1.4498% | 2,247 |
| Noncurrent loans to loans | 2.0457% | 1,644 |
| Net loans and leases to total assets | 55.0176% | 4,406 |
| Net loans and leases to deposits | 61.8845% | 4,703 |
| Net loans and leases to core deposits | 73.3162% | 3,919 |
| Total domestic deposits to total assets | 88.9037% | 1,414 |
| Equity capital to assets | 9.1803% | 5,128 |
| Core capital (leverage) ratio | 8.9763% | 5,054 |
| Tier 1 risk-based capital ratio | 14.4661% | 3,948 |
| Total risk-based capital ratio | 15.7183% | 3,891 |
| Memoranda: | ||
| Average total assets | $251,414,000 | 2,529 |
| Average earning assets | $229,763,330 | 2,547 |
| Average equity | $22,829,000 | 2,867 |
| Average total loans | $140,150,670 | 2,727 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0555% | 3,446 |
| Cost of funding earning assets | 0.6783% | 1,379 |
| Net interest margin | 3.3772% | 4,230 |
| Noninterest income to average assets | 0.3890% | 4,282 |
| Noninterest expense to average assets | 2.5138% | 4,573 |
| Loan and lease loss provision to assets | 0.0964% | 2,318 |
| Net operating income to assets | 0.8567% | 2,869 |
| Return on assets (ROA) | 0.8165% | 3,140 |
| Pretax return on assets | 0.8197% | 4,033 |
| Return on Equity (ROE) | 9.0436% | 2,440 |
| Retained earnings to average equity (ytd only) | 9.0436% | 1,236 |
| Net charge-offs to loans | -0.0231% | 5,420 |
| Credit loss provision to net charge-offs | -750.0000% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4409% | 3,412 |
| Assets per employee ($millions) | 3.7620% | 4,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 3,002 |
| Loan loss allowance to noncurrent loans | 66.7601% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 1.6054% | 2,192 |
| Noncurrent loans to loans | 2.2976% | 1,554 |
| Net loans and leases to total assets | 55.4049% | 4,222 |
| Net loans and leases to deposits | 62.5558% | 4,485 |
| Net loans and leases to core deposits | 72.9733% | 3,762 |
| Total domestic deposits to total assets | 88.5688% | 1,905 |
| Equity capital to assets | 9.2765% | 4,781 |
| Core capital (leverage) ratio | 9.2847% | 4,597 |
| Tier 1 risk-based capital ratio | 15.1222% | 3,642 |
| Total risk-based capital ratio | 16.3746% | 3,596 |
| Memoranda: | ||
| Average total assets | $248,862,000 | 2,568 |
| Average earning assets | $227,049,000 | 2,585 |
| Average equity | $22,469,000 | 2,894 |
| Average total loans | $138,563,000 | 2,755 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2537% | 3,137 |
| Cost of funding earning assets | 0.7384% | 1,573 |
| Net interest margin | 3.5153% | 3,828 |
| Noninterest income to average assets | 0.4080% | 4,389 |
| Noninterest expense to average assets | 2.4960% | 4,773 |
| Loan and lease loss provision to assets | 0.0980% | 3,162 |
| Net operating income to assets | 1.0250% | 2,225 |
| Return on assets (ROA) | 0.9891% | 2,442 |
| Pretax return on assets | 0.9899% | 3,390 |
| Return on Equity (ROE) | 10.7706% | 1,838 |
| Retained earnings to average equity (ytd only) | 0.4803% | 5,628 |
| Net charge-offs to loans | -0.0310% | 6,234 |
| Credit loss provision to net charge-offs | -558.1395% | 6,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9531% | 4,029 |
| Assets per employee ($millions) | 3.8374% | 4,186 |
| Cash dividends to net income (ytd only)* | 95.5409% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5100% | 3,132 |
| Loan loss allowance to noncurrent loans | 89.3241% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.2436% | 2,933 |
| Noncurrent loans to loans | 1.6905% | 2,376 |
| Net loans and leases to total assets | 54.2601% | 4,552 |
| Net loans and leases to deposits | 60.8515% | 4,852 |
| Net loans and leases to core deposits | 71.6211% | 4,117 |
| Total domestic deposits to total assets | 89.1681% | 1,508 |
| Equity capital to assets | 8.7820% | 5,277 |
| Core capital (leverage) ratio | 8.8734% | 5,175 |
| Tier 1 risk-based capital ratio | 14.9342% | 3,708 |
| Total risk-based capital ratio | 16.1858% | 3,653 |
| Memoranda: | ||
| Average total assets | $244,875,000 | 2,580 |
| Average earning assets | $223,735,600 | 2,580 |
| Average equity | $22,487,200 | 2,880 |
| Average total loans | $138,876,400 | 2,723 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3045% | 2,974 |
| Cost of funding earning assets | 0.7479% | 1,616 |
| Net interest margin | 3.5566% | 3,629 |
| Noninterest income to average assets | 0.4103% | 4,450 |
| Noninterest expense to average assets | 2.4206% | 4,956 |
| Loan and lease loss provision to assets | 0.0985% | 3,118 |
| Net operating income to assets | 1.1477% | 1,825 |
| Return on assets (ROA) | 1.0973% | 2,089 |
| Pretax return on assets | 1.0979% | 3,122 |
| Return on Equity (ROE) | 11.8174% | 1,535 |
| Retained earnings to average equity (ytd only) | -0.9897% | 6,132 |
| Net charge-offs to loans | -0.0900% | 6,468 |
| Credit loss provision to net charge-offs | -191.4894% | 5,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0054% | 4,478 |
| Assets per employee ($millions) | 3.6319% | 4,596 |
| Cash dividends to net income (ytd only)* | 108.3747% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 3,509 |
| Loan loss allowance to noncurrent loans | 87.0995% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.2814% | 3,081 |
| Noncurrent loans to loans | 1.7083% | 2,632 |
| Net loans and leases to total assets | 56.2113% | 4,289 |
| Net loans and leases to deposits | 63.3768% | 4,582 |
| Net loans and leases to core deposits | 73.2388% | 3,943 |
| Total domestic deposits to total assets | 88.6939% | 1,727 |
| Equity capital to assets | 9.0833% | 5,078 |
| Core capital (leverage) ratio | 8.9753% | 5,160 |
| Tier 1 risk-based capital ratio | 14.5748% | 4,032 |
| Total risk-based capital ratio | 15.8263% | 3,982 |
| Memoranda: | ||
| Average total assets | $243,736,250 | 2,604 |
| Average earning assets | $223,204,250 | 2,600 |
| Average equity | $22,632,750 | 2,892 |
| Average total loans | $139,241,500 | 2,725 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3166% | 2,880 |
| Cost of funding earning assets | 0.7510% | 1,699 |
| Net interest margin | 3.5657% | 3,498 |
| Noninterest income to average assets | 0.3773% | 4,689 |
| Noninterest expense to average assets | 2.4989% | 4,737 |
| Loan and lease loss provision to assets | 0.0984% | 3,148 |
| Net operating income to assets | 1.0538% | 2,101 |
| Return on assets (ROA) | 1.0210% | 2,360 |
| Pretax return on assets | 1.0219% | 3,409 |
| Return on Equity (ROE) | 10.9166% | 1,840 |
| Retained earnings to average equity (ytd only) | -5.9712% | 6,513 |
| Net charge-offs to loans | -0.3071% | 6,761 |
| Credit loss provision to net charge-offs | -56.0748% | 5,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4258% | 4,108 |
| Assets per employee ($millions) | 4.0364% | 3,718 |
| Cash dividends to net income (ytd only)* | 154.6988% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 3,554 |
| Loan loss allowance to noncurrent loans | 96.0253% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.3244% | 3,126 |
| Noncurrent loans to loans | 1.5703% | 2,954 |
| Net loans and leases to total assets | 56.3991% | 4,221 |
| Net loans and leases to deposits | 63.3766% | 4,572 |
| Net loans and leases to core deposits | 75.1599% | 3,652 |
| Total domestic deposits to total assets | 88.9904% | 1,638 |
| Equity capital to assets | 8.8319% | 5,412 |
| Core capital (leverage) ratio | 8.9615% | 5,059 |
| Tier 1 risk-based capital ratio | 13.8904% | 4,500 |
| Total risk-based capital ratio | 15.1420% | 4,469 |
| Memoranda: | ||
| Average total assets | $243,869,330 | 2,620 |
| Average earning assets | $223,970,000 | 2,600 |
| Average equity | $22,809,330 | 2,886 |
| Average total loans | $139,372,330 | 2,729 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2831% | 2,960 |
| Cost of funding earning assets | 0.7489% | 1,859 |
| Net interest margin | 3.5343% | 3,547 |
| Noninterest income to average assets | 0.3049% | 5,258 |
| Noninterest expense to average assets | 2.4459% | 4,964 |
| Loan and lease loss provision to assets | 0.0989% | 3,032 |
| Net operating income to assets | 1.0037% | 2,208 |
| Return on assets (ROA) | 1.0037% | 2,323 |
| Pretax return on assets | 1.0037% | 3,333 |
| Return on Equity (ROE) | 10.4366% | 1,898 |
| Retained earnings to average equity (ytd only) | -15.2693% | 6,750 |
| Net charge-offs to loans | -0.3839% | 6,814 |
| Credit loss provision to net charge-offs | -45.1128% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9271% | 4,155 |
| Assets per employee ($millions) | 3.7362% | 4,474 |
| Cash dividends to net income (ytd only)* | 246.3054% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 4,083 |
| Loan loss allowance to noncurrent loans | 98.5601% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.3061% | 3,354 |
| Noncurrent loans to loans | 1.4518% | 3,386 |
| Net loans and leases to total assets | 57.1856% | 3,887 |
| Net loans and leases to deposits | 64.8380% | 4,204 |
| Net loans and leases to core deposits | 75.7747% | 3,352 |
| Total domestic deposits to total assets | 88.1978% | 2,196 |
| Equity capital to assets | 9.5238% | 4,817 |
| Core capital (leverage) ratio | 8.8167% | 5,158 |
| Tier 1 risk-based capital ratio | 13.7391% | 4,698 |
| Total risk-based capital ratio | 14.9899% | 4,658 |
| Memoranda: | ||
| Average total assets | $242,693,000 | 2,652 |
| Average earning assets | $222,734,000 | 2,641 |
| Average equity | $23,341,000 | 2,874 |
| Average total loans | $138,562,000 | 2,752 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6032% | 2,986 |
| Cost of funding earning assets | 0.8531% | 2,266 |
| Net interest margin | 3.7501% | 3,435 |
| Noninterest income to average assets | 0.6465% | 3,009 |
| Noninterest expense to average assets | 2.6823% | 4,467 |
| Loan and lease loss provision to assets | 0.1866% | 3,304 |
| Net operating income to assets | 1.2063% | 1,586 |
| Return on assets (ROA) | 1.1290% | 2,013 |
| Pretax return on assets | 1.1299% | 3,052 |
| Return on Equity (ROE) | 11.4995% | 1,658 |
| Retained earnings to average equity (ytd only) | 4.3853% | 3,142 |
| Net charge-offs to loans | 0.1858% | 3,892 |
| Credit loss provision to net charge-offs | 179.4872% | 1,465 |
| Earnings coverage of net charge-offs (x) | 13.4060% | 1,829 |
| Efficiency ratio | 65.7619% | 4,551 |
| Assets per employee ($millions) | 3.7888% | 4,387 |
| Cash dividends to net income (ytd only)* | 61.8654% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 4,655 |
| Loan loss allowance to noncurrent loans | 96.8649% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.3254% | 3,430 |
| Noncurrent loans to loans | 1.3367% | 3,608 |
| Net loans and leases to total assets | 55.4704% | 4,386 |
| Net loans and leases to deposits | 62.9946% | 4,662 |
| Net loans and leases to core deposits | 74.2429% | 3,749 |
| Total domestic deposits to total assets | 88.0558% | 2,204 |
| Equity capital to assets | 9.7085% | 4,578 |
| Core capital (leverage) ratio | 9.1202% | 4,707 |
| Tier 1 risk-based capital ratio | 13.3944% | 4,824 |
| Total risk-based capital ratio | 14.5014% | 4,876 |
| Memoranda: | ||
| Average total assets | $225,068,000 | 2,782 |
| Average earning assets | $205,836,000 | 2,793 |
| Average equity | $22,096,600 | 2,960 |
| Average total loans | $125,960,000 | 2,957 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 3,134 |
| Cost of funding earning assets | 0.8749% | 2,357 |
| Net interest margin | 3.7452% | 3,580 |
| Noninterest income to average assets | 0.6668% | 2,895 |
| Noninterest expense to average assets | 2.6494% | 4,562 |
| Loan and lease loss provision to assets | 0.1911% | 3,200 |
| Net operating income to assets | 1.2558% | 1,556 |
| Return on assets (ROA) | 1.2128% | 1,871 |
| Pretax return on assets | 1.2140% | 2,939 |
| Return on Equity (ROE) | 12.3144% | 1,530 |
| Retained earnings to average equity (ytd only) | 4.0103% | 4,065 |
| Net charge-offs to loans | 0.1291% | 4,089 |
| Credit loss provision to net charge-offs | 264.7059% | 1,037 |
| Earnings coverage of net charge-offs (x) | 20.0592% | 1,464 |
| Efficiency ratio | 64.5988% | 4,698 |
| Assets per employee ($millions) | 3.8370% | 4,218 |
| Cash dividends to net income (ytd only)* | 67.4337% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 4,761 |
| Loan loss allowance to noncurrent loans | 66.5928% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 1.7932% | 2,922 |
| Noncurrent loans to loans | 1.9702% | 2,870 |
| Net loans and leases to total assets | 56.9762% | 4,300 |
| Net loans and leases to deposits | 64.9870% | 4,595 |
| Net loans and leases to core deposits | 74.4956% | 3,912 |
| Total domestic deposits to total assets | 87.6732% | 2,243 |
| Equity capital to assets | 9.9153% | 4,630 |
| Core capital (leverage) ratio | 9.2524% | 4,675 |
| Tier 1 risk-based capital ratio | 13.4712% | 4,895 |
| Total risk-based capital ratio | 14.6074% | 4,946 |
| Memoranda: | ||
| Average total assets | $219,767,500 | 2,860 |
| Average earning assets | $201,319,250 | 2,850 |
| Average equity | $21,643,500 | 3,043 |
| Average total loans | $122,850,250 | 3,060 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5868% | 3,425 |
| Cost of funding earning assets | 0.9030% | 2,375 |
| Net interest margin | 3.6838% | 3,908 |
| Noninterest income to average assets | 0.4501% | 4,285 |
| Noninterest expense to average assets | 2.7765% | 4,108 |
| Loan and lease loss provision to assets | 0.1965% | 3,118 |
| Net operating income to assets | 0.8431% | 3,179 |
| Return on assets (ROA) | 0.7992% | 3,649 |
| Pretax return on assets | 0.8001% | 4,471 |
| Return on Equity (ROE) | 8.1351% | 3,201 |
| Retained earnings to average equity (ytd only) | -1.1431% | 6,231 |
| Net charge-offs to loans | 0.0288% | 4,977 |
| Credit loss provision to net charge-offs | 1,235.2941% | 264 |
| Earnings coverage of net charge-offs (x) | 65.4118% | 596 |
| Efficiency ratio | 72.7384% | 3,292 |
| Assets per employee ($millions) | 3.7876% | 4,344 |
| Cash dividends to net income (ytd only)* | 114.0515% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 4,655 |
| Loan loss allowance to noncurrent loans | 68.2992% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 2.1607% | 2,596 |
| Noncurrent loans to loans | 1.9821% | 2,963 |
| Net loans and leases to total assets | 55.8240% | 4,496 |
| Net loans and leases to deposits | 63.4670% | 4,831 |
| Net loans and leases to core deposits | 72.9138% | 4,178 |
| Total domestic deposits to total assets | 87.9576% | 2,174 |
| Equity capital to assets | 9.6470% | 4,842 |
| Core capital (leverage) ratio | 9.1994% | 4,613 |
| Tier 1 risk-based capital ratio | 13.0339% | 5,164 |
| Total risk-based capital ratio | 14.1739% | 5,211 |
| Memoranda: | ||
| Average total assets | $213,724,670 | 2,938 |
| Average earning assets | $195,342,000 | 2,929 |
| Average equity | $20,995,330 | 3,110 |
| Average total loans | $118,018,330 | 3,180 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5257% | 3,812 |
| Cost of funding earning assets | 0.9297% | 2,443 |
| Net interest margin | 3.5961% | 4,285 |
| Noninterest income to average assets | 0.4764% | 4,095 |
| Noninterest expense to average assets | 2.6618% | 4,577 |
| Loan and lease loss provision to assets | 0.2067% | 2,884 |
| Net operating income to assets | 0.8958% | 2,940 |
| Return on assets (ROA) | 0.8072% | 3,582 |
| Pretax return on assets | 0.8092% | 4,380 |
| Return on Equity (ROE) | 8.1325% | 3,224 |
| Retained earnings to average equity (ytd only) | 7.2201% | 2,317 |
| Net charge-offs to loans | -0.0506% | 6,537 |
| Credit loss provision to net charge-offs | -750.0000% | 5,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6743% | 3,683 |
| Assets per employee ($millions) | 3.8751% | 4,251 |
| Cash dividends to net income (ytd only)* | 11.2195% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5591% | 3,896 |
| Loan loss allowance to noncurrent loans | 69.0000% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 2.7211% | 2,168 |
| Noncurrent loans to loans | 2.2595% | 2,851 |
| Net loans and leases to total assets | 54.0533% | 4,714 |
| Net loans and leases to deposits | 62.3749% | 4,864 |
| Net loans and leases to core deposits | 74.7587% | 3,794 |
| Total domestic deposits to total assets | 86.6588% | 3,141 |
| Equity capital to assets | 10.1547% | 3,908 |
| Core capital (leverage) ratio | 9.3950% | 4,200 |
| Tier 1 risk-based capital ratio | 13.5464% | 4,795 |
| Total risk-based capital ratio | 14.7880% | 4,788 |
| Memoranda: | ||
| Average total assets | $203,172,500 | 3,069 |
| Average earning assets | $185,870,000 | 3,071 |
| Average equity | $20,166,000 | 3,206 |
| Average total loans | $110,582,500 | 3,341 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7784% | 3,909 |
| Cost of funding earning assets | 1.0746% | 2,847 |
| Net interest margin | 3.7038% | 4,281 |
| Noninterest income to average assets | 0.4437% | 4,275 |
| Noninterest expense to average assets | 2.7804% | 4,424 |
| Loan and lease loss provision to assets | 0.2396% | 3,813 |
| Net operating income to assets | 0.8165% | 2,969 |
| Return on assets (ROA) | 0.7821% | 3,292 |
| Pretax return on assets | 0.7831% | 4,040 |
| Return on Equity (ROE) | 8.4082% | 2,712 |
| Retained earnings to average equity (ytd only) | 6.4550% | 1,769 |
| Net charge-offs to loans | 0.3906% | 3,463 |
| Credit loss provision to net charge-offs | 110.0917% | 3,041 |
| Earnings coverage of net charge-offs (x) | 4.8578% | 2,959 |
| Efficiency ratio | 72.4542% | 3,490 |
| Assets per employee ($millions) | 3.8649% | 4,170 |
| Cash dividends to net income (ytd only)* | 23.2291% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4531% | 4,218 |
| Loan loss allowance to noncurrent loans | 56.1931% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 2.5620% | 2,368 |
| Noncurrent loans to loans | 2.5859% | 2,530 |
| Net loans and leases to total assets | 53.1702% | 5,145 |
| Net loans and leases to deposits | 60.9219% | 5,377 |
| Net loans and leases to core deposits | 73.2359% | 4,345 |
| Total domestic deposits to total assets | 87.2760% | 2,591 |
| Equity capital to assets | 9.7002% | 4,591 |
| Core capital (leverage) ratio | 9.0324% | 4,723 |
| Tier 1 risk-based capital ratio | 13.2007% | 4,913 |
| Total risk-based capital ratio | 14.3494% | 4,965 |
| Memoranda: | ||
| Average total assets | $200,364,600 | 3,053 |
| Average earning assets | $183,596,200 | 3,047 |
| Average equity | $18,636,600 | 3,335 |
| Average total loans | $111,624,400 | 3,342 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8170% | 3,954 |
| Cost of funding earning assets | 1.1045% | 2,948 |
| Net interest margin | 3.7125% | 4,278 |
| Noninterest income to average assets | 0.4296% | 4,442 |
| Noninterest expense to average assets | 2.7182% | 4,663 |
| Loan and lease loss provision to assets | 0.2409% | 3,599 |
| Net operating income to assets | 0.8746% | 2,842 |
| Return on assets (ROA) | 0.8284% | 3,190 |
| Pretax return on assets | 0.8298% | 4,017 |
| Return on Equity (ROE) | 9.0059% | 2,594 |
| Retained earnings to average equity (ytd only) | 6.3579% | 2,321 |
| Net charge-offs to loans | 0.3241% | 3,477 |
| Credit loss provision to net charge-offs | 132.3529% | 2,406 |
| Earnings coverage of net charge-offs (x) | 6.1360% | 2,611 |
| Efficiency ratio | 70.8777% | 3,766 |
| Assets per employee ($millions) | 3.7183% | 4,498 |
| Cash dividends to net income (ytd only)* | 29.4021% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 4,241 |
| Loan loss allowance to noncurrent loans | 49.2832% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 2.4224% | 2,660 |
| Noncurrent loans to loans | 2.9872% | 2,318 |
| Net loans and leases to total assets | 53.9976% | 5,160 |
| Net loans and leases to deposits | 62.2628% | 5,368 |
| Net loans and leases to core deposits | 74.9064% | 4,331 |
| Total domestic deposits to total assets | 86.7253% | 2,808 |
| Equity capital to assets | 9.5262% | 5,039 |
| Core capital (leverage) ratio | 9.1264% | 4,754 |
| Tier 1 risk-based capital ratio | 13.0408% | 5,068 |
| Total risk-based capital ratio | 14.2279% | 5,083 |
| Memoranda: | ||
| Average total assets | $199,245,250 | 3,084 |
| Average earning assets | $182,765,500 | 3,069 |
| Average equity | $18,328,250 | 3,388 |
| Average total loans | $111,900,250 | 3,371 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9712% | 3,305 |
| Cost of funding earning assets | 1.1307% | 3,030 |
| Net interest margin | 3.8404% | 3,583 |
| Noninterest income to average assets | 0.4689% | 4,122 |
| Noninterest expense to average assets | 2.7475% | 4,635 |
| Loan and lease loss provision to assets | 0.2430% | 3,475 |
| Net operating income to assets | 0.9995% | 2,230 |
| Return on assets (ROA) | 1.0168% | 2,252 |
| Pretax return on assets | 1.0178% | 3,171 |
| Return on Equity (ROE) | 11.1906% | 1,730 |
| Retained earnings to average equity (ytd only) | 8.3818% | 1,309 |
| Net charge-offs to loans | 0.1842% | 4,058 |
| Credit loss provision to net charge-offs | 233.0097% | 1,288 |
| Earnings coverage of net charge-offs (x) | 11.9223% | 1,664 |
| Efficiency ratio | 68.8404% | 4,360 |
| Assets per employee ($millions) | 3.7535% | 4,311 |
| Cash dividends to net income (ytd only)* | 25.0996% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 4,074 |
| Loan loss allowance to noncurrent loans | 46.0558% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 2.8823% | 2,333 |
| Noncurrent loans to loans | 3.2835% | 2,175 |
| Net loans and leases to total assets | 55.6203% | 5,049 |
| Net loans and leases to deposits | 64.1792% | 5,247 |
| Net loans and leases to core deposits | 78.2045% | 4,031 |
| Total domestic deposits to total assets | 86.6642% | 2,950 |
| Equity capital to assets | 9.4582% | 4,874 |
| Core capital (leverage) ratio | 9.1159% | 4,541 |
| Tier 1 risk-based capital ratio | 12.7384% | 5,147 |
| Total risk-based capital ratio | 13.9405% | 5,156 |
| Memoranda: | ||
| Average total assets | $197,490,670 | 3,124 |
| Average earning assets | $181,124,670 | 3,116 |
| Average equity | $17,943,670 | 3,427 |
| Average total loans | $111,840,330 | 3,415 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7943% | 4,082 |
| Cost of funding earning assets | 1.1501% | 3,156 |
| Net interest margin | 3.6442% | 4,354 |
| Noninterest income to average assets | 0.4472% | 4,314 |
| Noninterest expense to average assets | 2.6915% | 4,869 |
| Loan and lease loss provision to assets | 0.2439% | 3,226 |
| Net operating income to assets | 0.8721% | 2,696 |
| Return on assets (ROA) | 0.9250% | 2,520 |
| Pretax return on assets | 0.9270% | 3,408 |
| Return on Equity (ROE) | 10.3955% | 1,959 |
| Retained earnings to average equity (ytd only) | 9.7787% | 1,162 |
| Net charge-offs to loans | 0.0036% | 5,078 |
| Credit loss provision to net charge-offs | 12,000.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 550.0000% | 43 |
| Efficiency ratio | 70.6510% | 4,126 |
| Assets per employee ($millions) | 3.6526% | 4,647 |
| Cash dividends to net income (ytd only)* | 5.9341% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 4,076 |
| Loan loss allowance to noncurrent loans | 51.4067% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 2.7986% | 2,464 |
| Noncurrent loans to loans | 2.9691% | 2,532 |
| Net loans and leases to total assets | 54.9855% | 5,160 |
| Net loans and leases to deposits | 63.3094% | 5,347 |
| Net loans and leases to core deposits | 79.1237% | 3,864 |
| Total domestic deposits to total assets | 86.8521% | 3,023 |
| Equity capital to assets | 9.0924% | 5,068 |
| Core capital (leverage) ratio | 9.1034% | 4,443 |
| Tier 1 risk-based capital ratio | 12.7131% | 5,051 |
| Total risk-based capital ratio | 13.9218% | 5,070 |
| Memoranda: | ||
| Average total assets | $196,767,000 | 3,159 |
| Average earning assets | $181,550,500 | 3,122 |
| Average equity | $17,507,500 | 3,488 |
| Average total loans | $111,586,000 | 3,452 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1886% | 3,666 |
| Cost of funding earning assets | 1.3669% | 3,474 |
| Net interest margin | 3.8217% | 3,857 |
| Noninterest income to average assets | 0.4861% | 4,276 |
| Noninterest expense to average assets | 2.6828% | 5,070 |
| Loan and lease loss provision to assets | 0.7103% | 2,307 |
| Net operating income to assets | 0.6021% | 3,656 |
| Return on assets (ROA) | 0.7766% | 3,022 |
| Pretax return on assets | 0.7776% | 3,702 |
| Return on Equity (ROE) | 8.6474% | 2,448 |
| Retained earnings to average equity (ytd only) | 6.9410% | 1,347 |
| Net charge-offs to loans | 1.1848% | 1,881 |
| Credit loss provision to net charge-offs | 100.5128% | 4,526 |
| Earnings coverage of net charge-offs (x) | 1.8586% | 4,338 |
| Efficiency ratio | 67.0942% | 4,748 |
| Assets per employee ($millions) | 3.7036% | 4,452 |
| Cash dividends to net income (ytd only)* | 19.7333% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 4,603 |
| Loan loss allowance to noncurrent loans | 33.3191% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 3.2324% | 2,188 |
| Noncurrent loans to loans | 4.1473% | 1,746 |
| Net loans and leases to total assets | 56.7901% | 5,217 |
| Net loans and leases to deposits | 65.1889% | 5,496 |
| Net loans and leases to core deposits | 82.1675% | 3,887 |
| Total domestic deposits to total assets | 87.1162% | 2,759 |
| Equity capital to assets | 8.7018% | 5,584 |
| Core capital (leverage) ratio | 8.7997% | 4,857 |
| Tier 1 risk-based capital ratio | 12.2934% | 5,219 |
| Total risk-based capital ratio | 13.4063% | 5,312 |
| Memoranda: | ||
| Average total assets | $193,160,000 | 3,183 |
| Average earning assets | $177,409,800 | 3,152 |
| Average equity | $17,346,200 | 3,527 |
| Average total loans | $115,212,000 | 3,422 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2449% | 3,604 |
| Cost of funding earning assets | 1.4127% | 3,503 |
| Net interest margin | 3.8323% | 3,829 |
| Noninterest income to average assets | 0.4706% | 4,410 |
| Noninterest expense to average assets | 2.6468% | 5,126 |
| Loan and lease loss provision to assets | 0.6217% | 2,447 |
| Net operating income to assets | 0.7166% | 3,341 |
| Return on assets (ROA) | 0.9502% | 2,544 |
| Pretax return on assets | 0.9516% | 3,360 |
| Return on Equity (ROE) | 10.4979% | 1,938 |
| Retained earnings to average equity (ytd only) | 8.2314% | 1,342 |
| Net charge-offs to loans | 0.9145% | 2,164 |
| Credit loss provision to net charge-offs | 112.9723% | 3,725 |
| Earnings coverage of net charge-offs (x) | 2.4345% | 3,957 |
| Efficiency ratio | 66.3421% | 4,786 |
| Assets per employee ($millions) | 3.5959% | 4,745 |
| Cash dividends to net income (ytd only)* | 21.5903% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4185% | 4,361 |
| Loan loss allowance to noncurrent loans | 34.6789% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 3.1029% | 2,330 |
| Noncurrent loans to loans | 4.0903% | 1,812 |
| Net loans and leases to total assets | 59.3420% | 5,032 |
| Net loans and leases to deposits | 68.6163% | 5,335 |
| Net loans and leases to core deposits | 84.2926% | 3,898 |
| Total domestic deposits to total assets | 86.4839% | 2,808 |
| Equity capital to assets | 9.4306% | 4,943 |
| Core capital (leverage) ratio | 8.9356% | 4,785 |
| Tier 1 risk-based capital ratio | 12.0648% | 5,400 |
| Total risk-based capital ratio | 13.2329% | 5,444 |
| Memoranda: | ||
| Average total assets | $192,376,750 | 3,253 |
| Average earning assets | $176,495,500 | 3,210 |
| Average equity | $17,412,500 | 3,572 |
| Average total loans | $115,755,750 | 3,458 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2090% | 3,906 |
| Cost of funding earning assets | 1.4733% | 3,408 |
| Net interest margin | 3.7357% | 4,208 |
| Noninterest income to average assets | 0.4443% | 4,568 |
| Noninterest expense to average assets | 2.6552% | 5,104 |
| Loan and lease loss provision to assets | 0.4380% | 3,122 |
| Net operating income to assets | 0.7717% | 3,103 |
| Return on assets (ROA) | 0.9031% | 2,655 |
| Pretax return on assets | 0.9042% | 3,474 |
| Return on Equity (ROE) | 10.1212% | 2,066 |
| Retained earnings to average equity (ytd only) | 7.5383% | 1,624 |
| Net charge-offs to loans | 0.6379% | 2,634 |
| Credit loss provision to net charge-offs | 114.1304% | 3,568 |
| Earnings coverage of net charge-offs (x) | 3.1549% | 3,429 |
| Efficiency ratio | 68.6269% | 4,452 |
| Assets per employee ($millions) | 3.6423% | 4,605 |
| Cash dividends to net income (ytd only)* | 25.5196% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 4,552 |
| Loan loss allowance to noncurrent loans | 28.6657% | 6,452 |
| Noncurrent assets plus other real estate owned to assets | 3.5380% | 1,982 |
| Noncurrent loans to loans | 4.7993% | 1,477 |
| Net loans and leases to total assets | 60.8239% | 4,899 |
| Net loans and leases to deposits | 71.2221% | 5,114 |
| Net loans and leases to core deposits | 87.4783% | 3,627 |
| Total domestic deposits to total assets | 85.4003% | 3,421 |
| Equity capital to assets | 9.3294% | 4,961 |
| Core capital (leverage) ratio | 8.8890% | 4,769 |
| Tier 1 risk-based capital ratio | 11.8874% | 5,412 |
| Total risk-based capital ratio | 13.0318% | 5,473 |
| Memoranda: | ||
| Average total assets | $191,777,000 | 3,279 |
| Average earning assets | $175,656,000 | 3,246 |
| Average equity | $17,112,670 | 3,617 |
| Average total loans | $115,379,000 | 3,497 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2304% | 3,876 |
| Cost of funding earning assets | 1.5574% | 3,220 |
| Net interest margin | 3.6730% | 4,382 |
| Noninterest income to average assets | 0.4685% | 4,311 |
| Noninterest expense to average assets | 2.6450% | 5,166 |
| Loan and lease loss provision to assets | 0.1866% | 4,640 |
| Net operating income to assets | 1.0033% | 2,167 |
| Return on assets (ROA) | 1.1214% | 1,840 |
| Pretax return on assets | 1.1235% | 2,662 |
| Return on Equity (ROE) | 12.8549% | 1,280 |
| Retained earnings to average equity (ytd only) | 12.8549% | 638 |
| Net charge-offs to loans | 0.3558% | 2,985 |
| Credit loss provision to net charge-offs | 88.2353% | 3,698 |
| Earnings coverage of net charge-offs (x) | 5.6373% | 2,355 |
| Efficiency ratio | 68.8817% | 4,530 |
| Assets per employee ($millions) | 3.5560% | 4,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 4,692 |
| Loan loss allowance to noncurrent loans | 23.1473% | 6,849 |
| Noncurrent assets plus other real estate owned to assets | 4.0638% | 1,683 |
| Noncurrent loans to loans | 5.8198% | 1,147 |
| Net loans and leases to total assets | 59.9549% | 5,129 |
| Net loans and leases to deposits | 70.1030% | 5,334 |
| Net loans and leases to core deposits | 87.1393% | 3,727 |
| Total domestic deposits to total assets | 85.5240% | 3,402 |
| Equity capital to assets | 9.1431% | 5,076 |
| Core capital (leverage) ratio | 8.6650% | 5,085 |
| Tier 1 risk-based capital ratio | 11.8720% | 5,326 |
| Total risk-based capital ratio | 12.9764% | 5,418 |
| Memoranda: | ||
| Average total assets | $192,965,000 | 3,322 |
| Average earning assets | $176,967,000 | 3,296 |
| Average equity | $16,834,000 | 3,689 |
| Average total loans | $114,664,500 | 3,581 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5135% | 4,072 |
| Cost of funding earning assets | 2.0726% | 2,608 |
| Net interest margin | 3.4409% | 5,214 |
| Noninterest income to average assets | 0.4577% | 4,739 |
| Noninterest expense to average assets | 2.7126% | 5,329 |
| Loan and lease loss provision to assets | 0.6588% | 3,177 |
| Net operating income to assets | 0.2418% | 4,753 |
| Return on assets (ROA) | 0.6800% | 3,070 |
| Pretax return on assets | 0.6811% | 3,640 |
| Return on Equity (ROE) | 8.0365% | 2,356 |
| Retained earnings to average equity (ytd only) | 5.1033% | 1,766 |
| Net charge-offs to loans | 0.6832% | 3,141 |
| Credit loss provision to net charge-offs | 162.1094% | 2,724 |
| Earnings coverage of net charge-offs (x) | 2.2188% | 4,057 |
| Efficiency ratio | 74.9927% | 3,712 |
| Assets per employee ($millions) | 3.7257% | 4,460 |
| Cash dividends to net income (ytd only)* | 36.4981% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 4,462 |
| Loan loss allowance to noncurrent loans | 28.6161% | 6,565 |
| Noncurrent assets plus other real estate owned to assets | 3.2285% | 2,125 |
| Noncurrent loans to loans | 4.7339% | 1,471 |
| Net loans and leases to total assets | 57.3453% | 5,769 |
| Net loans and leases to deposits | 66.2013% | 6,022 |
| Net loans and leases to core deposits | 89.9303% | 5,134 |
| Total domestic deposits to total assets | 86.6226% | 2,696 |
| Equity capital to assets | 8.3237% | 6,164 |
| Core capital (leverage) ratio | 8.1838% | 5,843 |
| Tier 1 risk-based capital ratio | 11.1781% | 5,746 |
| Total risk-based capital ratio | 12.2613% | 5,875 |
| Memoranda: | ||
| Average total assets | $188,972,800 | 3,301 |
| Average earning assets | $173,355,400 | 3,301 |
| Average equity | $15,989,600 | 3,874 |
| Average total loans | $112,417,800 | 3,640 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5647% | 4,066 |
| Cost of funding earning assets | 2.1628% | 2,585 |
| Net interest margin | 3.4019% | 5,255 |
| Noninterest income to average assets | 0.4303% | 5,044 |
| Noninterest expense to average assets | 2.6295% | 5,602 |
| Loan and lease loss provision to assets | 0.8349% | 2,292 |
| Net operating income to assets | 0.0913% | 5,491 |
| Return on assets (ROA) | 0.5773% | 3,762 |
| Pretax return on assets | 0.5787% | 4,259 |
| Return on Equity (ROE) | 6.7933% | 3,170 |
| Retained earnings to average equity (ytd only) | 4.6772% | 2,666 |
| Net charge-offs to loans | 0.6462% | 2,749 |
| Credit loss provision to net charge-offs | 215.8672% | 2,032 |
| Earnings coverage of net charge-offs (x) | 2.3985% | 4,031 |
| Efficiency ratio | 73.8616% | 3,882 |
| Assets per employee ($millions) | 3.6720% | 4,497 |
| Cash dividends to net income (ytd only)* | 31.1494% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 3,354 |
| Loan loss allowance to noncurrent loans | 32.3658% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 3.0821% | 2,226 |
| Noncurrent loans to loans | 4.6781% | 1,470 |
| Net loans and leases to total assets | 58.1163% | 5,872 |
| Net loans and leases to deposits | 67.7247% | 6,153 |
| Net loans and leases to core deposits | 90.4776% | 5,389 |
| Total domestic deposits to total assets | 85.8125% | 2,799 |
| Equity capital to assets | 8.7398% | 5,895 |
| Core capital (leverage) ratio | 8.3465% | 5,757 |
| Tier 1 risk-based capital ratio | 11.4547% | 5,475 |
| Total risk-based capital ratio | 12.6927% | 5,434 |
| Memoranda: | ||
| Average total assets | $186,851,000 | 3,356 |
| Average earning assets | $171,744,500 | 3,347 |
| Average equity | $15,878,000 | 3,933 |
| Average total loans | $111,825,000 | 3,696 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6304% | 3,908 |
| Cost of funding earning assets | 2.2430% | 2,610 |
| Net interest margin | 3.3874% | 5,224 |
| Noninterest income to average assets | 0.4130% | 5,176 |
| Noninterest expense to average assets | 2.6611% | 5,517 |
| Loan and lease loss provision to assets | 0.5068% | 3,004 |
| Net operating income to assets | 0.3558% | 4,661 |
| Return on assets (ROA) | 0.7860% | 3,001 |
| Pretax return on assets | 0.7871% | 3,712 |
| Return on Equity (ROE) | 9.3414% | 2,238 |
| Retained earnings to average equity (ytd only) | 6.6761% | 1,709 |
| Net charge-offs to loans | 0.0466% | 5,828 |
| Credit loss provision to net charge-offs | 1,807.6923% | 292 |
| Earnings coverage of net charge-offs (x) | 30.8077% | 984 |
| Efficiency ratio | 75.4359% | 3,797 |
| Assets per employee ($millions) | 3.5845% | 4,611 |
| Cash dividends to net income (ytd only)* | 28.5322% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 4,063 |
| Loan loss allowance to noncurrent loans | 32.9937% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 2.8043% | 2,291 |
| Noncurrent loans to loans | 4.0502% | 1,659 |
| Net loans and leases to total assets | 60.2884% | 5,632 |
| Net loans and leases to deposits | 70.3538% | 5,949 |
| Net loans and leases to core deposits | 89.2963% | 5,598 |
| Total domestic deposits to total assets | 85.6932% | 2,924 |
| Equity capital to assets | 8.5641% | 5,951 |
| Core capital (leverage) ratio | 8.4342% | 5,560 |
| Tier 1 risk-based capital ratio | 11.8105% | 5,092 |
| Total risk-based capital ratio | 12.9555% | 5,124 |
| Memoranda: | ||
| Average total assets | $185,487,000 | 3,398 |
| Average earning assets | $170,395,330 | 3,389 |
| Average equity | $15,608,000 | 3,998 |
| Average total loans | $111,541,670 | 3,729 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7309% | 3,638 |
| Cost of funding earning assets | 2.3050% | 2,674 |
| Net interest margin | 3.4258% | 5,029 |
| Noninterest income to average assets | 0.4086% | 5,145 |
| Noninterest expense to average assets | 2.5703% | 5,572 |
| Loan and lease loss provision to assets | 0.5296% | 2,351 |
| Net operating income to assets | 0.4605% | 4,612 |
| Return on assets (ROA) | 1.0852% | 2,144 |
| Pretax return on assets | 1.0852% | 3,043 |
| Return on Equity (ROE) | 13.0132% | 1,383 |
| Retained earnings to average equity (ytd only) | 13.0132% | 637 |
| Net charge-offs to loans | 0.0254% | 5,189 |
| Credit loss provision to net charge-offs | 3,500.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 65.4286% | 611 |
| Efficiency ratio | 72.1311% | 4,170 |
| Assets per employee ($millions) | 3.5177% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 4,848 |
| Loan loss allowance to noncurrent loans | 34.9442% | 6,223 |
| Noncurrent assets plus other real estate owned to assets | 2.3945% | 2,391 |
| Noncurrent loans to loans | 3.4185% | 1,870 |
| Net loans and leases to total assets | 59.5070% | 5,732 |
| Net loans and leases to deposits | 69.2186% | 6,055 |
| Net loans and leases to core deposits | 83.3307% | 6,115 |
| Total domestic deposits to total assets | 85.9697% | 2,739 |
| Equity capital to assets | 8.6536% | 5,838 |
| Core capital (leverage) ratio | 8.5530% | 5,427 |
| Tier 1 risk-based capital ratio | 12.2560% | 4,742 |
| Total risk-based capital ratio | 13.2846% | 4,822 |
| Memoranda: | ||
| Average total assets | $185,033,500 | 3,428 |
| Average earning assets | $170,235,500 | 3,421 |
| Average equity | $15,430,500 | 4,052 |
| Average total loans | $110,364,500 | 3,781 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3101% | 3,908 |
| Cost of funding earning assets | 2.8662% | 2,408 |
| Net interest margin | 3.4439% | 5,488 |
| Noninterest income to average assets | 0.4906% | 4,680 |
| Noninterest expense to average assets | 2.5989% | 5,655 |
| Loan and lease loss provision to assets | 0.3280% | 3,766 |
| Net operating income to assets | 0.7143% | 3,831 |
| Return on assets (ROA) | 0.7671% | 3,428 |
| Pretax return on assets | 0.7682% | 4,186 |
| Return on Equity (ROE) | 9.1827% | 2,576 |
| Retained earnings to average equity (ytd only) | 6.6722% | 1,269 |
| Net charge-offs to loans | 0.5671% | 2,115 |
| Credit loss provision to net charge-offs | 99.4898% | 5,393 |
| Earnings coverage of net charge-offs (x) | 3.1650% | 4,504 |
| Efficiency ratio | 71.2900% | 4,066 |
| Assets per employee ($millions) | 3.5990% | 4,416 |
| Cash dividends to net income (ytd only)* | 27.3392% | 4,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 6,237 |
| Loan loss allowance to noncurrent loans | 35.7427% | 6,358 |
| Noncurrent assets plus other real estate owned to assets | 1.6116% | 3,025 |
| Noncurrent loans to loans | 2.7278% | 1,987 |
| Net loans and leases to total assets | 58.5020% | 6,127 |
| Net loans and leases to deposits | 68.8591% | 6,383 |
| Net loans and leases to core deposits | 80.9484% | 6,541 |
| Total domestic deposits to total assets | 84.9590% | 2,863 |
| Equity capital to assets | 8.0321% | 6,801 |
| Core capital (leverage) ratio | 8.2097% | 6,150 |
| Tier 1 risk-based capital ratio | 11.7273% | 5,030 |
| Total risk-based capital ratio | 12.5603% | 5,326 |
| Memoranda: | ||
| Average total assets | $178,344,800 | 3,429 |
| Average earning assets | $163,214,000 | 3,428 |
| Average equity | $14,897,600 | 4,160 |
| Average total loans | $103,688,200 | 3,857 |