Home > United National Bank > Performance and Condition Ratios
United National 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 | 6.4944% | 353 |
| Cost of funding earning assets | 1.3566% | 2,338 |
| Net interest margin | 5.1377% | 276 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.6307% | 1,920 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 1.8641% | 556 |
| Return on assets (ROA) | 1.8856% | 521 |
| Pretax return on assets | 2.4324% | 361 |
| Return on Equity (ROE) | 13.5300% | 1,594 |
| Retained earnings to average equity (ytd only) | 9.0494% | 1,243 |
| Net charge-offs to loans | 0.6423% | 154 |
| Credit loss provision to net charge-offs | 64.6396% | 2,122 |
| Earnings coverage of net charge-offs (x) | 5.7110% | 2,513 |
| Efficiency ratio | 50.0624% | 3,977 |
| Assets per employee ($millions) | 8.5069% | 1,181 |
| Cash dividends to net income (ytd only)* | 33.1321% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0871% | 328 |
| Loan loss allowance to noncurrent loans | 170.2873% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 1.0473% | 460 |
| Noncurrent loans to loans | 1.2256% | 580 |
| Net loans and leases to total assets | 70.1800% | 1,792 |
| Net loans and leases to deposits | 86.4641% | 1,586 |
| Net loans and leases to core deposits | 98.6466% | 1,511 |
| Total domestic deposits to total assets | 81.1700% | 3,279 |
| Equity capital to assets | 14.6304% | 587 |
| Core capital (leverage) ratio | 14.7542% | 661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1549% | 418 |
| Memoranda: | ||
| Average total assets | $289,884,000 | 2,475 |
| Average earning assets | $280,104,400 | 2,414 |
| Average equity | $40,389,200 | 1,875 |
| Average total loans | $207,389,000 | 2,240 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3400% | 358 |
| Cost of funding earning assets | 1.2039% | 2,420 |
| Net interest margin | 5.1361% | 269 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.5494% | 2,085 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 1.9670% | 524 |
| Return on assets (ROA) | 1.9670% | 515 |
| Pretax return on assets | 2.5103% | 376 |
| Return on Equity (ROE) | 14.3000% | 1,581 |
| Retained earnings to average equity (ytd only) | 8.2455% | 1,874 |
| Net charge-offs to loans | 0.8293% | 109 |
| Credit loss provision to net charge-offs | 53.7984% | 1,879 |
| Earnings coverage of net charge-offs (x) | 4.5961% | 2,389 |
| Efficiency ratio | 48.3312% | 4,023 |
| Assets per employee ($millions) | 8.3470% | 1,188 |
| Cash dividends to net income (ytd only)* | 42.3230% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9367% | 438 |
| Loan loss allowance to noncurrent loans | 137.4101% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 1.0775% | 458 |
| Noncurrent loans to loans | 1.4094% | 533 |
| Net loans and leases to total assets | 74.9700% | 1,241 |
| Net loans and leases to deposits | 92.2776% | 1,027 |
| Net loans and leases to core deposits | 104.8722% | 1,067 |
| Total domestic deposits to total assets | 81.2500% | 3,343 |
| Equity capital to assets | 14.4708% | 587 |
| Core capital (leverage) ratio | 14.6448% | 687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4105% | 525 |
| Memoranda: | ||
| Average total assets | $290,046,750 | 2,477 |
| Average earning assets | $280,518,750 | 2,413 |
| Average equity | $39,907,500 | 1,875 |
| Average total loans | $207,405,250 | 2,238 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1704% | 362 |
| Cost of funding earning assets | 1.0077% | 2,584 |
| Net interest margin | 5.1628% | 252 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.5222% | 2,146 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 2.0737% | 422 |
| Return on assets (ROA) | 2.0737% | 417 |
| Pretax return on assets | 2.5934% | 315 |
| Return on Equity (ROE) | 15.3300% | 1,406 |
| Retained earnings to average equity (ytd only) | 6.1639% | 2,561 |
| Net charge-offs to loans | 1.1909% | 73 |
| Credit loss provision to net charge-offs | 43.4211% | 1,697 |
| Earnings coverage of net charge-offs (x) | 3.3635% | 2,265 |
| Efficiency ratio | 47.3887% | 4,100 |
| Assets per employee ($millions) | 8.4365% | 1,123 |
| Cash dividends to net income (ytd only)* | 59.7887% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9193% | 484 |
| Loan loss allowance to noncurrent loans | 130.5176% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.1311% | 377 |
| Noncurrent loans to loans | 1.4705% | 457 |
| Net loans and leases to total assets | 75.4400% | 1,111 |
| Net loans and leases to deposits | 92.4753% | 990 |
| Net loans and leases to core deposits | 103.9897% | 1,056 |
| Total domestic deposits to total assets | 81.5800% | 3,317 |
| Equity capital to assets | 14.3108% | 601 |
| Core capital (leverage) ratio | 13.8895% | 796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7812% | 572 |
| Memoranda: | ||
| Average total assets | $292,129,333 | 2,473 |
| Average earning assets | $283,027,333 | 2,405 |
| Average equity | $39,520,667 | 1,896 |
| Average total loans | $204,216,333 | 2,260 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8645% | 380 |
| Cost of funding earning assets | 0.8132% | 2,688 |
| Net interest margin | 5.0513% | 278 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.4710% | 2,319 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0870% | 437 |
| Return on assets (ROA) | 2.0870% | 431 |
| Pretax return on assets | 2.7412% | 272 |
| Return on Equity (ROE) | 15.8500% | 1,390 |
| Retained earnings to average equity (ytd only) | 15.8537% | 703 |
| Net charge-offs to loans | 0.3393% | 236 |
| Credit loss provision to net charge-offs | -43.7870% | 4,573 |
| Earnings coverage of net charge-offs (x) | 12.1243% | 1,618 |
| Efficiency ratio | 47.4076% | 4,128 |
| Assets per employee ($millions) | 9.1118% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2351% | 304 |
| Loan loss allowance to noncurrent loans | 113.4180% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 1.3777% | 253 |
| Noncurrent loans to loans | 1.9706% | 288 |
| Net loans and leases to total assets | 68.3500% | 1,798 |
| Net loans and leases to deposits | 83.1304% | 1,565 |
| Net loans and leases to core deposits | 92.8380% | 1,461 |
| Total domestic deposits to total assets | 82.2200% | 3,448 |
| Equity capital to assets | 13.7875% | 622 |
| Core capital (leverage) ratio | 13.5028% | 831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5508% | 531 |
| Memoranda: | ||
| Average total assets | $298,991,500 | 2,478 |
| Average earning assets | $290,220,500 | 2,396 |
| Average equity | $39,360,000 | 1,924 |
| Average total loans | $199,255,500 | 2,310 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5641% | 643 |
| Cost of funding earning assets | 0.5023% | 1,375 |
| Net interest margin | 4.0618% | 714 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.2823% | 2,798 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.3458% | 1,293 |
| Return on assets (ROA) | 1.3458% | 1,254 |
| Pretax return on assets | 1.8202% | 702 |
| Return on Equity (ROE) | 10.5700% | 2,622 |
| Retained earnings to average equity (ytd only) | 6.4452% | 2,468 |
| Net charge-offs to loans | 0.0122% | 1,929 |
| Credit loss provision to net charge-offs | 2,083.3333% | 254 |
| Earnings coverage of net charge-offs (x) | 241.7500% | 560 |
| Efficiency ratio | 53.3976% | 3,843 |
| Assets per employee ($millions) | 9.2851% | 834 |
| Cash dividends to net income (ytd only)* | 39.0051% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9635% | 123 |
| Loan loss allowance to noncurrent loans | 143.9730% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 1.3077% | 272 |
| Noncurrent loans to loans | 2.0584% | 267 |
| Net loans and leases to total assets | 61.6500% | 2,479 |
| Net loans and leases to deposits | 73.5100% | 2,293 |
| Net loans and leases to core deposits | 82.2692% | 1,990 |
| Total domestic deposits to total assets | 83.8700% | 3,236 |
| Equity capital to assets | 12.5712% | 791 |
| Core capital (leverage) ratio | 13.2034% | 886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5916% | 509 |
| Memoranda: | ||
| Average total assets | $291,279,200 | 2,492 |
| Average earning assets | $282,703,800 | 2,429 |
| Average equity | $37,097,200 | 2,032 |
| Average total loans | $196,626,800 | 2,252 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2727% | 776 |
| Cost of funding earning assets | 0.4655% | 907 |
| Net interest margin | 3.8072% | 941 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.2845% | 2,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3097% | 1,322 |
| Return on assets (ROA) | 1.3097% | 1,286 |
| Pretax return on assets | 1.7484% | 813 |
| Return on Equity (ROE) | 10.2500% | 2,649 |
| Retained earnings to average equity (ytd only) | 4.6994% | 3,198 |
| Net charge-offs to loans | 0.0088% | 1,802 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 290.0000% | 485 |
| Efficiency ratio | 56.6467% | 3,556 |
| Assets per employee ($millions) | 8.6495% | 1,005 |
| Cash dividends to net income (ytd only)* | 54.1431% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6523% | 194 |
| Loan loss allowance to noncurrent loans | 127.5670% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 1.4501% | 239 |
| Noncurrent loans to loans | 2.0791% | 287 |
| Net loans and leases to total assets | 67.8900% | 1,685 |
| Net loans and leases to deposits | 81.7570% | 1,463 |
| Net loans and leases to core deposits | 92.1354% | 1,171 |
| Total domestic deposits to total assets | 83.0400% | 3,684 |
| Equity capital to assets | 13.1187% | 660 |
| Core capital (leverage) ratio | 13.1148% | 873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7588% | 579 |
| Memoranda: | ||
| Average total assets | $287,497,250 | 2,533 |
| Average earning assets | $278,971,500 | 2,465 |
| Average equity | $36,741,750 | 2,079 |
| Average total loans | $197,116,250 | 2,250 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9230% | 1,074 |
| Cost of funding earning assets | 0.4546% | 674 |
| Net interest margin | 3.4685% | 1,399 |
| Noninterest income to average assets | 0.3359% | 3,145 |
| Noninterest expense to average assets | 2.2728% | 2,626 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0715% | 1,889 |
| Return on assets (ROA) | 1.0715% | 1,866 |
| Pretax return on assets | 1.4310% | 1,357 |
| Return on Equity (ROE) | 8.4586% | 2,881 |
| Retained earnings to average equity (ytd only) | 0.0822% | 4,167 |
| Net charge-offs to loans | 0.0204% | 1,328 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 103.1000% | 799 |
| Efficiency ratio | 61.3641% | 3,129 |
| Assets per employee ($millions) | 8.9772% | 897 |
| Cash dividends to net income (ytd only)* | 99.0285% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6314% | 214 |
| Loan loss allowance to noncurrent loans | 129.0504% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 1.4224% | 257 |
| Noncurrent loans to loans | 2.0390% | 316 |
| Net loans and leases to total assets | 67.9202% | 1,485 |
| Net loans and leases to deposits | 81.2045% | 1,300 |
| Net loans and leases to core deposits | 91.0225% | 1,063 |
| Total domestic deposits to total assets | 83.6409% | 3,763 |
| Equity capital to assets | 12.6410% | 732 |
| Core capital (leverage) ratio | 12.7262% | 899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2102% | 610 |
| Memoranda: | ||
| Average total assets | $288,185,667 | 2,544 |
| Average earning assets | $279,835,333 | 2,484 |
| Average equity | $36,507,333 | 2,141 |
| Average total loans | $196,464,333 | 2,258 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7102% | 1,251 |
| Cost of funding earning assets | 0.4566% | 627 |
| Net interest margin | 3.2536% | 1,707 |
| Noninterest income to average assets | 0.3298% | 3,125 |
| Noninterest expense to average assets | 2.3143% | 2,446 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8661% | 2,433 |
| Return on assets (ROA) | 0.8661% | 2,424 |
| Pretax return on assets | 1.1752% | 1,898 |
| Return on Equity (ROE) | 6.8299% | 3,090 |
| Retained earnings to average equity (ytd only) | 6.8299% | 1,945 |
| Net charge-offs to loans | 0.0041% | 1,622 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 424.0000% | 243 |
| Efficiency ratio | 66.3225% | 2,730 |
| Assets per employee ($millions) | 9.2402% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7491% | 209 |
| Loan loss allowance to noncurrent loans | 125.6770% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 1.4697% | 247 |
| Noncurrent loans to loans | 2.1874% | 310 |
| Net loans and leases to total assets | 65.3438% | 1,481 |
| Net loans and leases to deposits | 78.2716% | 1,268 |
| Net loans and leases to core deposits | 87.3726% | 1,057 |
| Total domestic deposits to total assets | 83.4834% | 3,867 |
| Equity capital to assets | 12.8908% | 713 |
| Core capital (leverage) ratio | 12.9577% | 787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4130% | 525 |
| Memoranda: | ||
| Average total assets | $288,643,000 | 2,557 |
| Average earning assets | $280,306,500 | 2,501 |
| Average equity | $36,604,000 | 2,192 |
| Average total loans | $194,502,500 | 2,268 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4821% | 617 |
| Cost of funding earning assets | 0.5819% | 596 |
| Net interest margin | 3.9002% | 854 |
| Noninterest income to average assets | 0.3502% | 3,342 |
| Noninterest expense to average assets | 2.2639% | 2,906 |
| Loan and lease loss provision to assets | 0.2375% | 412 |
| Net operating income to assets | 1.2023% | 1,915 |
| Return on assets (ROA) | 1.2023% | 1,963 |
| Pretax return on assets | 1.6241% | 1,358 |
| Return on Equity (ROE) | 9.2645% | 2,798 |
| Retained earnings to average equity (ytd only) | 5.3708% | 2,636 |
| Net charge-offs to loans | 0.2619% | 342 |
| Credit loss provision to net charge-offs | 120.1869% | 1,645 |
| Earnings coverage of net charge-offs (x) | 9.4206% | 2,261 |
| Efficiency ratio | 54.8751% | 3,835 |
| Assets per employee ($millions) | 9.6947% | 730 |
| Cash dividends to net income (ytd only)* | 42.0276% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6931% | 218 |
| Loan loss allowance to noncurrent loans | 116.3808% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.5637% | 256 |
| Noncurrent loans to loans | 2.3140% | 306 |
| Net loans and leases to total assets | 65.7565% | 1,498 |
| Net loans and leases to deposits | 80.2692% | 1,192 |
| Net loans and leases to core deposits | 89.6489% | 987 |
| Total domestic deposits to total assets | 81.9200% | 3,980 |
| Equity capital to assets | 12.4752% | 1,071 |
| Core capital (leverage) ratio | 12.8199% | 846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1731% | 546 |
| Memoranda: | ||
| Average total assets | $270,727,600 | 2,598 |
| Average earning assets | $262,066,800 | 2,538 |
| Average equity | $35,134,200 | 2,287 |
| Average total loans | $204,304,400 | 2,212 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6930% | 492 |
| Cost of funding earning assets | 0.6115% | 603 |
| Net interest margin | 4.0815% | 679 |
| Noninterest income to average assets | 0.3528% | 3,343 |
| Noninterest expense to average assets | 2.2797% | 2,808 |
| Loan and lease loss provision to assets | 0.2608% | 341 |
| Net operating income to assets | 1.2876% | 1,861 |
| Return on assets (ROA) | 1.2876% | 1,915 |
| Pretax return on assets | 1.7613% | 1,254 |
| Return on Equity (ROE) | 9.8179% | 2,804 |
| Retained earnings to average equity (ytd only) | 4.5837% | 3,377 |
| Net charge-offs to loans | 0.1636% | 516 |
| Credit loss provision to net charge-offs | 205.5336% | 1,190 |
| Earnings coverage of net charge-offs (x) | 15.9289% | 1,853 |
| Efficiency ratio | 52.9920% | 3,923 |
| Assets per employee ($millions) | 9.2346% | 825 |
| Cash dividends to net income (ytd only)* | 53.3125% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5445% | 269 |
| Loan loss allowance to noncurrent loans | 109.1073% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 1.8034% | 229 |
| Noncurrent loans to loans | 2.3321% | 345 |
| Net loans and leases to total assets | 75.3611% | 591 |
| Net loans and leases to deposits | 90.7166% | 565 |
| Net loans and leases to core deposits | 102.0031% | 522 |
| Total domestic deposits to total assets | 83.0730% | 3,687 |
| Equity capital to assets | 12.8394% | 1,037 |
| Core capital (leverage) ratio | 12.8138% | 889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9620% | 696 |
| Memoranda: | ||
| Average total assets | $265,699,250 | 2,659 |
| Average earning assets | $257,086,250 | 2,589 |
| Average equity | $34,847,000 | 2,328 |
| Average total loans | $206,245,500 | 2,230 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 545 |
| Cost of funding earning assets | 0.6418% | 602 |
| Net interest margin | 4.0381% | 769 |
| Noninterest income to average assets | 0.3612% | 3,293 |
| Noninterest expense to average assets | 2.3099% | 2,739 |
| Loan and lease loss provision to assets | 0.2863% | 310 |
| Net operating income to assets | 1.1965% | 2,206 |
| Return on assets (ROA) | 1.1965% | 2,274 |
| Pretax return on assets | 1.6707% | 1,562 |
| Return on Equity (ROE) | 9.0562% | 3,081 |
| Retained earnings to average equity (ytd only) | 1.1501% | 4,307 |
| Net charge-offs to loans | -0.0157% | 3,880 |
| Credit loss provision to net charge-offs | -2,343.7500% | 3,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1339% | 3,780 |
| Assets per employee ($millions) | 9.0569% | 841 |
| Cash dividends to net income (ytd only)* | 87.3006% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6457% | 230 |
| Loan loss allowance to noncurrent loans | 114.0782% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 1.8041% | 256 |
| Noncurrent loans to loans | 2.3192% | 379 |
| Net loans and leases to total assets | 75.5024% | 636 |
| Net loans and leases to deposits | 90.7529% | 600 |
| Net loans and leases to core deposits | 103.4732% | 549 |
| Total domestic deposits to total assets | 83.1956% | 3,662 |
| Equity capital to assets | 12.7151% | 1,043 |
| Core capital (leverage) ratio | 12.7982% | 848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0097% | 706 |
| Memoranda: | ||
| Average total assets | $261,920,000 | 2,665 |
| Average earning assets | $253,335,333 | 2,607 |
| Average equity | $34,606,000 | 2,331 |
| Average total loans | $203,584,333 | 2,257 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4960% | 778 |
| Cost of funding earning assets | 0.6975% | 551 |
| Net interest margin | 3.7985% | 1,145 |
| Noninterest income to average assets | 0.3828% | 3,180 |
| Noninterest expense to average assets | 2.3500% | 2,652 |
| Loan and lease loss provision to assets | 0.2926% | 326 |
| Net operating income to assets | 1.0038% | 2,797 |
| Return on assets (ROA) | 1.0038% | 2,885 |
| Pretax return on assets | 1.4100% | 2,255 |
| Return on Equity (ROE) | 7.4491% | 3,484 |
| Retained earnings to average equity (ytd only) | 7.4491% | 2,438 |
| Net charge-offs to loans | 0.0020% | 1,850 |
| Credit loss provision to net charge-offs | 18,800.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 1,094.0000% | 87 |
| Efficiency ratio | 57.9877% | 3,302 |
| Assets per employee ($millions) | 8.6144% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6578% | 211 |
| Loan loss allowance to noncurrent loans | 108.6587% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.8566% | 293 |
| Noncurrent loans to loans | 2.4460% | 383 |
| Net loans and leases to total assets | 73.6618% | 846 |
| Net loans and leases to deposits | 88.9439% | 769 |
| Net loans and leases to core deposits | 102.8619% | 604 |
| Total domestic deposits to total assets | 82.8183% | 3,732 |
| Equity capital to assets | 13.0966% | 887 |
| Core capital (leverage) ratio | 13.7518% | 693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7120% | 711 |
| Memoranda: | ||
| Average total assets | $257,026,000 | 2,691 |
| Average earning assets | $248,309,500 | 2,626 |
| Average equity | $34,635,000 | 2,323 |
| Average total loans | $200,016,000 | 2,285 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4093% | 215 |
| Cost of funding earning assets | 0.8360% | 1,071 |
| Net interest margin | 4.5734% | 279 |
| Noninterest income to average assets | 0.5323% | 2,499 |
| Noninterest expense to average assets | 2.5919% | 2,581 |
| Loan and lease loss provision to assets | 0.4055% | 763 |
| Net operating income to assets | 1.4143% | 989 |
| Return on assets (ROA) | 1.4143% | 1,071 |
| Pretax return on assets | 1.9380% | 517 |
| Return on Equity (ROE) | 9.8040% | 2,074 |
| Retained earnings to average equity (ytd only) | 6.2771% | 1,674 |
| Net charge-offs to loans | 0.2177% | 801 |
| Credit loss provision to net charge-offs | 208.9888% | 2,117 |
| Earnings coverage of net charge-offs (x) | 12.0787% | 2,356 |
| Efficiency ratio | 52.5177% | 4,347 |
| Assets per employee ($millions) | 8.2335% | 956 |
| Cash dividends to net income (ytd only)* | 35.9741% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6188% | 219 |
| Loan loss allowance to noncurrent loans | 104.6638% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 2.0113% | 280 |
| Noncurrent loans to loans | 2.5021% | 400 |
| Net loans and leases to total assets | 78.0410% | 597 |
| Net loans and leases to deposits | 94.9310% | 607 |
| Net loans and leases to core deposits | 110.7392% | 487 |
| Total domestic deposits to total assets | 82.2081% | 3,623 |
| Equity capital to assets | 13.8847% | 823 |
| Core capital (leverage) ratio | 14.3079% | 632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6548% | 700 |
| Memoranda: | ||
| Average total assets | $229,364,200 | 2,724 |
| Average earning assets | $220,822,800 | 2,668 |
| Average equity | $33,088,600 | 2,334 |
| Average total loans | $204,373,200 | 2,200 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5340% | 215 |
| Cost of funding earning assets | 0.8694% | 1,180 |
| Net interest margin | 4.6647% | 278 |
| Noninterest income to average assets | 0.5874% | 2,224 |
| Noninterest expense to average assets | 2.6997% | 2,252 |
| Loan and lease loss provision to assets | 0.3734% | 985 |
| Net operating income to assets | 1.4687% | 965 |
| Return on assets (ROA) | 1.4687% | 1,049 |
| Pretax return on assets | 2.0015% | 516 |
| Return on Equity (ROE) | 10.0770% | 1,992 |
| Retained earnings to average equity (ytd only) | 5.3313% | 2,414 |
| Net charge-offs to loans | 0.2673% | 580 |
| Credit loss provision to net charge-offs | 152.5424% | 2,311 |
| Earnings coverage of net charge-offs (x) | 9.7022% | 2,409 |
| Efficiency ratio | 53.2002% | 4,229 |
| Assets per employee ($millions) | 7.8748% | 1,050 |
| Cash dividends to net income (ytd only)* | 47.0944% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2362% | 329 |
| Loan loss allowance to noncurrent loans | 96.8670% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 2.1482% | 285 |
| Noncurrent loans to loans | 2.3085% | 482 |
| Net loans and leases to total assets | 90.9746% | 27 |
| Net loans and leases to deposits | 116.0348% | 146 |
| Net loans and leases to core deposits | 132.4570% | 214 |
| Total domestic deposits to total assets | 78.4028% | 4,140 |
| Equity capital to assets | 14.1832% | 810 |
| Core capital (leverage) ratio | 14.1669% | 674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5745% | 960 |
| Memoranda: | ||
| Average total assets | $224,953,750 | 2,736 |
| Average earning assets | $216,400,500 | 2,687 |
| Average equity | $32,786,750 | 2,336 |
| Average total loans | $205,979,000 | 2,189 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5637% | 302 |
| Cost of funding earning assets | 0.9237% | 1,264 |
| Net interest margin | 4.6400% | 388 |
| Noninterest income to average assets | 0.7008% | 1,733 |
| Noninterest expense to average assets | 2.8130% | 2,071 |
| Loan and lease loss provision to assets | 0.3798% | 1,093 |
| Net operating income to assets | 1.4169% | 1,078 |
| Return on assets (ROA) | 1.4169% | 1,169 |
| Pretax return on assets | 1.9684% | 583 |
| Return on Equity (ROE) | 9.6293% | 2,101 |
| Retained earnings to average equity (ytd only) | 2.4580% | 3,597 |
| Net charge-offs to loans | 0.0824% | 1,425 |
| Credit loss provision to net charge-offs | 506.0241% | 1,222 |
| Earnings coverage of net charge-offs (x) | 31.2892% | 1,400 |
| Efficiency ratio | 54.5025% | 4,116 |
| Assets per employee ($millions) | 7.7558% | 1,059 |
| Cash dividends to net income (ytd only)* | 74.4735% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3377% | 275 |
| Loan loss allowance to noncurrent loans | 73.3790% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 2.9496% | 163 |
| Noncurrent loans to loans | 3.1857% | 284 |
| Net loans and leases to total assets | 90.4243% | 25 |
| Net loans and leases to deposits | 112.2851% | 189 |
| Net loans and leases to core deposits | 131.2381% | 244 |
| Total domestic deposits to total assets | 80.5310% | 3,719 |
| Equity capital to assets | 14.0025% | 852 |
| Core capital (leverage) ratio | 14.3518% | 679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0928% | 1,039 |
| Memoranda: | ||
| Average total assets | $221,190,333 | 2,746 |
| Average earning assets | $212,628,667 | 2,694 |
| Average equity | $32,546,667 | 2,335 |
| Average total loans | $201,359,333 | 2,211 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5864% | 311 |
| Cost of funding earning assets | 0.9710% | 1,557 |
| Net interest margin | 4.6154% | 398 |
| Noninterest income to average assets | 1.0118% | 834 |
| Noninterest expense to average assets | 3.0355% | 1,793 |
| Loan and lease loss provision to assets | 0.3899% | 783 |
| Net operating income to assets | 1.4407% | 903 |
| Return on assets (ROA) | 1.4407% | 975 |
| Pretax return on assets | 2.0163% | 432 |
| Return on Equity (ROE) | 9.5420% | 1,894 |
| Retained earnings to average equity (ytd only) | 9.5420% | 833 |
| Net charge-offs to loans | 0.0124% | 2,142 |
| Credit loss provision to net charge-offs | 3,500.0000% | 222 |
| Earnings coverage of net charge-offs (x) | 216.0000% | 323 |
| Efficiency ratio | 55.7830% | 4,228 |
| Assets per employee ($millions) | 6.9164% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5007% | 247 |
| Loan loss allowance to noncurrent loans | 71.1301% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 3.2149% | 170 |
| Noncurrent loans to loans | 3.5157% | 268 |
| Net loans and leases to total assets | 89.1589% | 48 |
| Net loans and leases to deposits | 109.4411% | 197 |
| Net loans and leases to core deposits | 130.3408% | 259 |
| Total domestic deposits to total assets | 81.4675% | 3,554 |
| Equity capital to assets | 15.3614% | 700 |
| Core capital (leverage) ratio | 15.4318% | 615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0864% | 858 |
| Memoranda: | ||
| Average total assets | $215,449,000 | 2,742 |
| Average earning assets | $206,786,500 | 2,688 |
| Average equity | $32,530,000 | 2,327 |
| Average total loans | $194,324,500 | 2,232 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8514% | 295 |
| Cost of funding earning assets | 1.0008% | 1,719 |
| Net interest margin | 4.8507% | 366 |
| Noninterest income to average assets | 0.4244% | 3,143 |
| Noninterest expense to average assets | 2.7777% | 2,677 |
| Loan and lease loss provision to assets | 0.3450% | 448 |
| Net operating income to assets | 1.4249% | 1,262 |
| Return on assets (ROA) | 1.4249% | 1,330 |
| Pretax return on assets | 1.9619% | 650 |
| Return on Equity (ROE) | 10.1334% | 2,237 |
| Retained earnings to average equity (ytd only) | 6.3661% | 1,686 |
| Net charge-offs to loans | 0.1283% | 1,487 |
| Credit loss provision to net charge-offs | 304.0000% | 912 |
| Earnings coverage of net charge-offs (x) | 20.3280% | 1,941 |
| Efficiency ratio | 54.6291% | 4,358 |
| Assets per employee ($millions) | 6.9836% | 1,043 |
| Cash dividends to net income (ytd only)* | 37.1774% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4400% | 234 |
| Loan loss allowance to noncurrent loans | 74.2925% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 3.0957% | 168 |
| Noncurrent loans to loans | 3.2843% | 260 |
| Net loans and leases to total assets | 86.7861% | 129 |
| Net loans and leases to deposits | 106.8209% | 268 |
| Net loans and leases to core deposits | 126.4761% | 336 |
| Total domestic deposits to total assets | 81.2445% | 3,714 |
| Equity capital to assets | 14.8385% | 835 |
| Core capital (leverage) ratio | 14.6550% | 759 |
| Tier 1 risk-based capital ratio | 18.8506% | 1,556 |
| Total risk-based capital ratio | 20.1273% | 1,513 |
| Memoranda: | ||
| Average total assets | $220,293,200 | 2,656 |
| Average earning assets | $211,641,200 | 2,589 |
| Average equity | $30,976,800 | 2,339 |
| Average total loans | $194,842,600 | 2,199 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8723% | 309 |
| Cost of funding earning assets | 1.0146% | 1,704 |
| Net interest margin | 4.8577% | 374 |
| Noninterest income to average assets | 0.4309% | 3,137 |
| Noninterest expense to average assets | 2.7721% | 2,646 |
| Loan and lease loss provision to assets | 0.3134% | 463 |
| Net operating income to assets | 1.4554% | 1,318 |
| Return on assets (ROA) | 1.4554% | 1,370 |
| Pretax return on assets | 2.0140% | 666 |
| Return on Equity (ROE) | 10.4918% | 2,217 |
| Retained earnings to average equity (ytd only) | 5.4218% | 2,662 |
| Net charge-offs to loans | -0.0307% | 4,704 |
| Credit loss provision to net charge-offs | -1,155.5556% | 4,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3607% | 4,352 |
| Assets per employee ($millions) | 7.2319% | 940 |
| Cash dividends to net income (ytd only)* | 48.3229% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3438% | 271 |
| Loan loss allowance to noncurrent loans | 125.5347% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 1.8574% | 519 |
| Noncurrent loans to loans | 1.8670% | 755 |
| Net loans and leases to total assets | 88.3554% | 80 |
| Net loans and leases to deposits | 115.4357% | 127 |
| Net loans and leases to core deposits | 139.2891% | 189 |
| Total domestic deposits to total assets | 76.5408% | 4,585 |
| Equity capital to assets | 13.9940% | 1,157 |
| Core capital (leverage) ratio | 14.2443% | 919 |
| Tier 1 risk-based capital ratio | 17.6105% | 1,920 |
| Total risk-based capital ratio | 18.8852% | 1,875 |
| Memoranda: | ||
| Average total assets | $221,243,750 | 2,672 |
| Average earning assets | $212,631,500 | 2,607 |
| Average equity | $30,690,000 | 2,367 |
| Average total loans | $195,407,500 | 2,220 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8274% | 325 |
| Cost of funding earning assets | 1.0332% | 1,559 |
| Net interest margin | 4.7942% | 409 |
| Noninterest income to average assets | 0.4395% | 3,015 |
| Noninterest expense to average assets | 2.8203% | 2,518 |
| Loan and lease loss provision to assets | 0.2815% | 520 |
| Net operating income to assets | 1.4120% | 1,401 |
| Return on assets (ROA) | 1.4120% | 1,452 |
| Pretax return on assets | 1.9513% | 754 |
| Return on Equity (ROE) | 10.2093% | 2,287 |
| Retained earnings to average equity (ytd only) | 2.5474% | 3,925 |
| Net charge-offs to loans | -0.0384% | 4,754 |
| Credit loss provision to net charge-offs | -837.8378% | 4,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8131% | 4,271 |
| Assets per employee ($millions) | 6.8314% | 1,079 |
| Cash dividends to net income (ytd only)* | 75.0482% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2908% | 302 |
| Loan loss allowance to noncurrent loans | 120.7346% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 1.8911% | 517 |
| Noncurrent loans to loans | 1.8974% | 781 |
| Net loans and leases to total assets | 88.5030% | 92 |
| Net loans and leases to deposits | 108.6189% | 255 |
| Net loans and leases to core deposits | 134.0642% | 255 |
| Total domestic deposits to total assets | 81.4803% | 3,670 |
| Equity capital to assets | 13.9489% | 1,135 |
| Core capital (leverage) ratio | 14.1539% | 922 |
| Tier 1 risk-based capital ratio | 17.2672% | 2,006 |
| Total risk-based capital ratio | 18.5396% | 1,953 |
| Memoranda: | ||
| Average total assets | $220,262,000 | 2,690 |
| Average earning assets | $211,965,000 | 2,622 |
| Average equity | $30,462,330 | 2,379 |
| Average total loans | $192,931,000 | 2,242 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7977% | 311 |
| Cost of funding earning assets | 1.0032% | 1,553 |
| Net interest margin | 4.7945% | 416 |
| Noninterest income to average assets | 0.4451% | 2,874 |
| Noninterest expense to average assets | 2.9074% | 2,260 |
| Loan and lease loss provision to assets | 0.2171% | 721 |
| Net operating income to assets | 1.4257% | 1,304 |
| Return on assets (ROA) | 1.4257% | 1,332 |
| Pretax return on assets | 1.9377% | 727 |
| Return on Equity (ROE) | 10.3524% | 2,218 |
| Retained earnings to average equity (ytd only) | 10.3524% | 953 |
| Net charge-offs to loans | -0.0168% | 4,423 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4339% | 4,153 |
| Assets per employee ($millions) | 6.7955% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2689% | 319 |
| Loan loss allowance to noncurrent loans | 116.1421% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 1.9333% | 525 |
| Noncurrent loans to loans | 1.9535% | 766 |
| Net loans and leases to total assets | 85.5130% | 231 |
| Net loans and leases to deposits | 103.5880% | 415 |
| Net loans and leases to core deposits | 127.8342% | 340 |
| Total domestic deposits to total assets | 82.5510% | 3,561 |
| Equity capital to assets | 14.1895% | 975 |
| Core capital (leverage) ratio | 14.1652% | 907 |
| Tier 1 risk-based capital ratio | 17.9008% | 1,819 |
| Total risk-based capital ratio | 19.1725% | 1,777 |
| Memoranda: | ||
| Average total assets | $221,090,500 | 2,714 |
| Average earning assets | $212,911,000 | 2,642 |
| Average equity | $30,447,000 | 2,389 |
| Average total loans | $190,392,500 | 2,280 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6904% | 285 |
| Cost of funding earning assets | 0.9512% | 923 |
| Net interest margin | 4.7392% | 453 |
| Noninterest income to average assets | 0.4160% | 3,339 |
| Noninterest expense to average assets | 2.8511% | 2,513 |
| Loan and lease loss provision to assets | 0.3193% | 502 |
| Net operating income to assets | 1.3041% | 1,781 |
| Return on assets (ROA) | 1.3041% | 1,769 |
| Pretax return on assets | 1.8016% | 914 |
| Return on Equity (ROE) | 9.7597% | 2,618 |
| Retained earnings to average equity (ytd only) | 5.9951% | 2,197 |
| Net charge-offs to loans | 0.0591% | 2,296 |
| Credit loss provision to net charge-offs | 616.0714% | 560 |
| Earnings coverage of net charge-offs (x) | 40.9196% | 1,284 |
| Efficiency ratio | 57.3436% | 4,236 |
| Assets per employee ($millions) | 6.4207% | 1,252 |
| Cash dividends to net income (ytd only)* | 38.5735% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1988% | 331 |
| Loan loss allowance to noncurrent loans | 236.6667% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 1.0128% | 1,353 |
| Noncurrent loans to loans | 0.9291% | 1,730 |
| Net loans and leases to total assets | 82.9128% | 521 |
| Net loans and leases to deposits | 99.6417% | 772 |
| Net loans and leases to core deposits | 122.4574% | 483 |
| Total domestic deposits to total assets | 83.2110% | 3,258 |
| Equity capital to assets | 13.3666% | 1,196 |
| Core capital (leverage) ratio | 13.7474% | 998 |
| Tier 1 risk-based capital ratio | 18.1649% | 1,713 |
| Total risk-based capital ratio | 19.4347% | 1,652 |
| Memoranda: | ||
| Average total assets | $216,088,800 | 2,720 |
| Average earning assets | $207,735,400 | 2,653 |
| Average equity | $28,873,800 | 2,401 |
| Average total loans | $189,641,800 | 2,252 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6703% | 271 |
| Cost of funding earning assets | 0.9043% | 902 |
| Net interest margin | 4.7659% | 400 |
| Noninterest income to average assets | 0.3378% | 3,898 |
| Noninterest expense to average assets | 2.8233% | 2,562 |
| Loan and lease loss provision to assets | 0.2929% | 506 |
| Net operating income to assets | 1.3069% | 1,831 |
| Return on assets (ROA) | 1.3069% | 1,835 |
| Pretax return on assets | 1.8037% | 1,007 |
| Return on Equity (ROE) | 9.7819% | 2,713 |
| Retained earnings to average equity (ytd only) | 4.7113% | 3,390 |
| Net charge-offs to loans | 0.0310% | 2,469 |
| Credit loss provision to net charge-offs | 1,068.1818% | 396 |
| Earnings coverage of net charge-offs (x) | 76.4483% | 901 |
| Efficiency ratio | 57.3854% | 4,202 |
| Assets per employee ($millions) | 6.3696% | 1,247 |
| Cash dividends to net income (ytd only)* | 51.8361% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0271% | 463 |
| Loan loss allowance to noncurrent loans | 216.6935% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 1.0389% | 1,396 |
| Noncurrent loans to loans | 0.9355% | 1,824 |
| Net loans and leases to total assets | 90.0949% | 72 |
| Net loans and leases to deposits | 115.9211% | 148 |
| Net loans and leases to core deposits | 147.2166% | 149 |
| Total domestic deposits to total assets | 77.7209% | 4,528 |
| Equity capital to assets | 13.5104% | 1,130 |
| Core capital (leverage) ratio | 13.4551% | 1,117 |
| Tier 1 risk-based capital ratio | 16.7408% | 2,186 |
| Total risk-based capital ratio | 18.0105% | 2,131 |
| Memoranda: | ||
| Average total assets | $213,930,000 | 2,755 |
| Average earning assets | $205,676,250 | 2,688 |
| Average equity | $28,582,750 | 2,430 |
| Average total loans | $189,423,750 | 2,259 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5463% | 299 |
| Cost of funding earning assets | 0.8401% | 963 |
| Net interest margin | 4.7061% | 428 |
| Noninterest income to average assets | 0.3511% | 3,814 |
| Noninterest expense to average assets | 2.8810% | 2,403 |
| Loan and lease loss provision to assets | 0.2722% | 554 |
| Net operating income to assets | 1.2570% | 1,955 |
| Return on assets (ROA) | 1.2570% | 1,953 |
| Pretax return on assets | 1.7254% | 1,156 |
| Return on Equity (ROE) | 9.4438% | 2,835 |
| Retained earnings to average equity (ytd only) | 1.7773% | 4,536 |
| Net charge-offs to loans | 0.0526% | 1,850 |
| Credit loss provision to net charge-offs | 591.8367% | 633 |
| Earnings coverage of net charge-offs (x) | 43.4286% | 1,234 |
| Efficiency ratio | 59.0533% | 4,076 |
| Assets per employee ($millions) | 6.5308% | 1,166 |
| Cash dividends to net income (ytd only)* | 81.1800% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9506% | 564 |
| Loan loss allowance to noncurrent loans | 161.2809% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 1.3614% | 1,027 |
| Noncurrent loans to loans | 1.2094% | 1,442 |
| Net loans and leases to total assets | 89.8666% | 73 |
| Net loans and leases to deposits | 113.9485% | 197 |
| Net loans and leases to core deposits | 143.5094% | 164 |
| Total domestic deposits to total assets | 78.8660% | 4,449 |
| Equity capital to assets | 13.2292% | 1,213 |
| Core capital (leverage) ratio | 13.6540% | 1,013 |
| Tier 1 risk-based capital ratio | 16.3470% | 2,311 |
| Total risk-based capital ratio | 17.6182% | 2,251 |
| Memoranda: | ||
| Average total assets | $213,051,330 | 2,781 |
| Average earning assets | $204,966,670 | 2,710 |
| Average equity | $28,357,330 | 2,452 |
| Average total loans | $186,181,000 | 2,299 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4340% | 311 |
| Cost of funding earning assets | 0.8232% | 855 |
| Net interest margin | 4.6109% | 490 |
| Noninterest income to average assets | 0.4419% | 3,164 |
| Noninterest expense to average assets | 3.0007% | 2,058 |
| Loan and lease loss provision to assets | 0.2077% | 787 |
| Net operating income to assets | 1.2180% | 1,935 |
| Return on assets (ROA) | 1.2180% | 1,943 |
| Pretax return on assets | 1.6656% | 1,206 |
| Return on Equity (ROE) | 9.1229% | 2,847 |
| Retained earnings to average equity (ytd only) | 9.1229% | 1,419 |
| Net charge-offs to loans | -0.0044% | 3,966 |
| Credit loss provision to net charge-offs | -5,500.0000% | 4,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5653% | 3,865 |
| Assets per employee ($millions) | 6.2129% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0329% | 504 |
| Loan loss allowance to noncurrent loans | 141.0762% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 1.7037% | 747 |
| Noncurrent loans to loans | 1.4410% | 1,230 |
| Net loans and leases to total assets | 87.5070% | 162 |
| Net loans and leases to deposits | 106.3005% | 368 |
| Net loans and leases to core deposits | 129.6646% | 349 |
| Total domestic deposits to total assets | 82.3204% | 3,868 |
| Equity capital to assets | 13.9484% | 903 |
| Core capital (leverage) ratio | 13.6781% | 958 |
| Tier 1 risk-based capital ratio | 17.1432% | 2,078 |
| Total risk-based capital ratio | 18.4135% | 2,026 |
| Memoranda: | ||
| Average total assets | $211,819,500 | 2,824 |
| Average earning assets | $203,606,000 | 2,754 |
| Average equity | $28,280,500 | 2,481 |
| Average total loans | $180,507,000 | 2,358 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2482% | 402 |
| Cost of funding earning assets | 0.7764% | 710 |
| Net interest margin | 4.4718% | 661 |
| Noninterest income to average assets | 0.4028% | 3,623 |
| Noninterest expense to average assets | 2.7539% | 2,942 |
| Loan and lease loss provision to assets | 0.2302% | 846 |
| Net operating income to assets | 0.8138% | 3,102 |
| Return on assets (ROA) | 0.8138% | 3,143 |
| Pretax return on assets | 1.6884% | 1,035 |
| Return on Equity (ROE) | 6.1424% | 3,698 |
| Retained earnings to average equity (ytd only) | 2.6386% | 3,743 |
| Net charge-offs to loans | 0.1138% | 1,916 |
| Credit loss provision to net charge-offs | 236.4532% | 1,172 |
| Earnings coverage of net charge-offs (x) | 19.7094% | 2,008 |
| Efficiency ratio | 58.9388% | 4,421 |
| Assets per employee ($millions) | 6.8316% | 1,045 |
| Cash dividends to net income (ytd only)* | 57.0418% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0300% | 506 |
| Loan loss allowance to noncurrent loans | 122.4068% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 1.8105% | 683 |
| Noncurrent loans to loans | 1.6584% | 990 |
| Net loans and leases to total assets | 79.7152% | 1,001 |
| Net loans and leases to deposits | 95.2247% | 1,153 |
| Net loans and leases to core deposits | 117.4821% | 669 |
| Total domestic deposits to total assets | 83.7127% | 3,306 |
| Equity capital to assets | 12.7912% | 1,360 |
| Core capital (leverage) ratio | 13.2339% | 1,063 |
| Tier 1 risk-based capital ratio | 17.3367% | 1,982 |
| Total risk-based capital ratio | 18.6064% | 1,933 |
| Memoranda: | ||
| Average total assets | $208,538,400 | 2,837 |
| Average earning assets | $199,114,400 | 2,775 |
| Average equity | $27,627,800 | 2,509 |
| Average total loans | $178,456,800 | 2,348 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2415% | 388 |
| Cost of funding earning assets | 0.7646% | 705 |
| Net interest margin | 4.4769% | 631 |
| Noninterest income to average assets | 0.4330% | 3,450 |
| Noninterest expense to average assets | 2.7686% | 2,831 |
| Loan and lease loss provision to assets | 0.2265% | 811 |
| Net operating income to assets | 1.0827% | 2,161 |
| Return on assets (ROA) | 1.0827% | 2,221 |
| Pretax return on assets | 1.7046% | 1,113 |
| Return on Equity (ROE) | 8.0984% | 3,081 |
| Retained earnings to average equity (ytd only) | 3.4126% | 3,892 |
| Net charge-offs to loans | 0.1568% | 1,301 |
| Credit loss provision to net charge-offs | 166.6667% | 1,553 |
| Earnings coverage of net charge-offs (x) | 14.2097% | 2,306 |
| Efficiency ratio | 58.9094% | 4,373 |
| Assets per employee ($millions) | 6.4378% | 1,218 |
| Cash dividends to net income (ytd only)* | 57.8600% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8393% | 790 |
| Loan loss allowance to noncurrent loans | 102.1164% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 2.2013% | 551 |
| Noncurrent loans to loans | 1.8012% | 993 |
| Net loans and leases to total assets | 89.9971% | 84 |
| Net loans and leases to deposits | 109.8326% | 278 |
| Net loans and leases to core deposits | 138.2222% | 225 |
| Total domestic deposits to total assets | 81.9402% | 3,798 |
| Equity capital to assets | 13.5566% | 1,130 |
| Core capital (leverage) ratio | 13.5170% | 1,018 |
| Tier 1 risk-based capital ratio | 16.6501% | 2,266 |
| Total risk-based capital ratio | 17.9104% | 2,216 |
| Memoranda: | ||
| Average total assets | $206,020,000 | 2,883 |
| Average earning assets | $196,349,250 | 2,830 |
| Average equity | $27,544,000 | 2,534 |
| Average total loans | $178,601,500 | 2,354 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0708% | 503 |
| Cost of funding earning assets | 0.7340% | 746 |
| Net interest margin | 4.3368% | 788 |
| Noninterest income to average assets | 0.4825% | 3,133 |
| Noninterest expense to average assets | 2.8123% | 2,713 |
| Loan and lease loss provision to assets | 0.1650% | 1,207 |
| Net operating income to assets | 1.0445% | 2,234 |
| Return on assets (ROA) | 1.0445% | 2,272 |
| Pretax return on assets | 1.6406% | 1,224 |
| Return on Equity (ROE) | 7.8494% | 3,123 |
| Retained earnings to average equity (ytd only) | 0.7879% | 4,897 |
| Net charge-offs to loans | 0.2706% | 751 |
| Credit loss provision to net charge-offs | 71.7300% | 2,362 |
| Earnings coverage of net charge-offs (x) | 7.8481% | 2,570 |
| Efficiency ratio | 60.8997% | 4,179 |
| Assets per employee ($millions) | 6.5483% | 1,124 |
| Cash dividends to net income (ytd only)* | 89.9628% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8111% | 868 |
| Loan loss allowance to noncurrent loans | 101.6807% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 2.1575% | 558 |
| Noncurrent loans to loans | 1.7812% | 1,018 |
| Net loans and leases to total assets | 84.5254% | 396 |
| Net loans and leases to deposits | 101.7160% | 626 |
| Net loans and leases to core deposits | 128.0578% | 342 |
| Total domestic deposits to total assets | 83.0995% | 3,537 |
| Equity capital to assets | 13.0445% | 1,354 |
| Core capital (leverage) ratio | 13.7319% | 931 |
| Tier 1 risk-based capital ratio | 17.1469% | 2,120 |
| Total risk-based capital ratio | 18.4065% | 2,060 |
| Memoranda: | ||
| Average total assets | $206,023,330 | 2,898 |
| Average earning assets | $196,459,330 | 2,845 |
| Average equity | $27,416,000 | 2,543 |
| Average total loans | $175,176,330 | 2,392 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0077% | 521 |
| Cost of funding earning assets | 0.7148% | 779 |
| Net interest margin | 4.2929% | 803 |
| Noninterest income to average assets | 0.3407% | 4,117 |
| Noninterest expense to average assets | 2.8963% | 2,463 |
| Loan and lease loss provision to assets | 0.1175% | 1,626 |
| Net operating income to assets | 0.9028% | 2,748 |
| Return on assets (ROA) | 0.9028% | 2,805 |
| Pretax return on assets | 1.4197% | 1,819 |
| Return on Equity (ROE) | 6.7160% | 3,540 |
| Retained earnings to average equity (ytd only) | 6.7160% | 1,969 |
| Net charge-offs to loans | 0.3407% | 540 |
| Credit loss provision to net charge-offs | 40.8163% | 2,055 |
| Earnings coverage of net charge-offs (x) | 5.3401% | 2,304 |
| Efficiency ratio | 65.3269% | 3,610 |
| Assets per employee ($millions) | 6.2867% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8816% | 813 |
| Loan loss allowance to noncurrent loans | 86.7950% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 2.2200% | 561 |
| Noncurrent loans to loans | 2.1679% | 787 |
| Net loans and leases to total assets | 84.1650% | 352 |
| Net loans and leases to deposits | 102.4078% | 478 |
| Net loans and leases to core deposits | 130.5869% | 260 |
| Total domestic deposits to total assets | 82.1862% | 4,119 |
| Equity capital to assets | 13.7636% | 982 |
| Core capital (leverage) ratio | 13.6349% | 928 |
| Tier 1 risk-based capital ratio | 18.0858% | 1,845 |
| Total risk-based capital ratio | 19.3464% | 1,803 |
| Memoranda: | ||
| Average total assets | $204,263,000 | 2,946 |
| Average earning assets | $194,741,000 | 2,879 |
| Average equity | $27,457,000 | 2,548 |
| Average total loans | $172,572,000 | 2,432 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2729% | 371 |
| Cost of funding earning assets | 0.7220% | 736 |
| Net interest margin | 4.5509% | 553 |
| Noninterest income to average assets | 0.3682% | 4,108 |
| Noninterest expense to average assets | 2.7406% | 3,224 |
| Loan and lease loss provision to assets | 0.3507% | 486 |
| Net operating income to assets | 1.0094% | 2,315 |
| Return on assets (ROA) | 1.0094% | 2,412 |
| Pretax return on assets | 1.5995% | 1,280 |
| Return on Equity (ROE) | 7.5688% | 3,185 |
| Retained earnings to average equity (ytd only) | 3.9328% | 3,125 |
| Net charge-offs to loans | 0.4669% | 540 |
| Credit loss provision to net charge-offs | 86.4198% | 2,864 |
| Earnings coverage of net charge-offs (x) | 4.8062% | 3,444 |
| Efficiency ratio | 58.4259% | 4,800 |
| Assets per employee ($millions) | 6.6887% | 1,053 |
| Cash dividends to net income (ytd only)* | 48.0397% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9313% | 759 |
| Loan loss allowance to noncurrent loans | 91.3401% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 2.4432% | 495 |
| Noncurrent loans to loans | 2.1144% | 826 |
| Net loans and leases to total assets | 81.6225% | 651 |
| Net loans and leases to deposits | 97.8057% | 843 |
| Net loans and leases to core deposits | 124.4677% | 373 |
| Total domestic deposits to total assets | 83.4537% | 3,614 |
| Equity capital to assets | 13.1299% | 1,206 |
| Core capital (leverage) ratio | 13.5635% | 951 |
| Tier 1 risk-based capital ratio | 17.4692% | 2,015 |
| Total risk-based capital ratio | 18.7302% | 1,971 |
| Memoranda: | ||
| Average total assets | $199,627,200 | 2,959 |
| Average earning assets | $189,612,200 | 2,897 |
| Average equity | $26,622,400 | 2,593 |
| Average total loans | $173,481,400 | 2,379 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3152% | 361 |
| Cost of funding earning assets | 0.7431% | 658 |
| Net interest margin | 4.5721% | 533 |
| Noninterest income to average assets | 0.3649% | 4,170 |
| Noninterest expense to average assets | 2.8137% | 2,956 |
| Loan and lease loss provision to assets | 0.2327% | 850 |
| Net operating income to assets | 1.0555% | 2,171 |
| Return on assets (ROA) | 1.0555% | 2,299 |
| Pretax return on assets | 1.6591% | 1,225 |
| Return on Equity (ROE) | 7.8824% | 3,069 |
| Retained earnings to average equity (ytd only) | 3.0069% | 4,110 |
| Net charge-offs to loans | 0.6117% | 338 |
| Credit loss provision to net charge-offs | 43.2873% | 3,125 |
| Earnings coverage of net charge-offs (x) | 3.5195% | 3,407 |
| Efficiency ratio | 59.7965% | 4,569 |
| Assets per employee ($millions) | 6.2575% | 1,262 |
| Cash dividends to net income (ytd only)* | 61.8530% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6554% | 1,315 |
| Loan loss allowance to noncurrent loans | 69.5096% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.7719% | 458 |
| Noncurrent loans to loans | 2.3816% | 763 |
| Net loans and leases to total assets | 91.6003% | 33 |
| Net loans and leases to deposits | 109.6724% | 266 |
| Net loans and leases to core deposits | 140.4856% | 187 |
| Total domestic deposits to total assets | 83.5218% | 3,393 |
| Equity capital to assets | 13.8187% | 1,110 |
| Core capital (leverage) ratio | 13.3736% | 1,040 |
| Tier 1 risk-based capital ratio | 16.8599% | 2,275 |
| Total risk-based capital ratio | 18.1175% | 2,228 |
| Memoranda: | ||
| Average total assets | $197,696,250 | 2,994 |
| Average earning assets | $187,685,000 | 2,935 |
| Average equity | $26,471,750 | 2,620 |
| Average total loans | $173,707,250 | 2,379 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2021% | 424 |
| Cost of funding earning assets | 0.7509% | 627 |
| Net interest margin | 4.4513% | 686 |
| Noninterest income to average assets | 0.3820% | 4,008 |
| Noninterest expense to average assets | 2.7436% | 3,227 |
| Loan and lease loss provision to assets | 0.3217% | 535 |
| Net operating income to assets | 0.9883% | 2,438 |
| Return on assets (ROA) | 0.9883% | 2,583 |
| Pretax return on assets | 1.5422% | 1,550 |
| Return on Equity (ROE) | 7.4582% | 3,290 |
| Retained earnings to average equity (ytd only) | 0.1138% | 5,259 |
| Net charge-offs to loans | 0.9207% | 204 |
| Credit loss provision to net charge-offs | 40.5577% | 2,760 |
| Earnings coverage of net charge-offs (x) | 2.3498% | 3,289 |
| Efficiency ratio | 59.5461% | 4,700 |
| Assets per employee ($millions) | 6.5367% | 1,067 |
| Cash dividends to net income (ytd only)* | 98.4741% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6510% | 1,401 |
| Loan loss allowance to noncurrent loans | 60.3368% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 3.0409% | 396 |
| Noncurrent loans to loans | 2.7363% | 589 |
| Net loans and leases to total assets | 87.4268% | 174 |
| Net loans and leases to deposits | 104.1456% | 455 |
| Net loans and leases to core deposits | 136.6061% | 217 |
| Total domestic deposits to total assets | 83.9467% | 3,286 |
| Equity capital to assets | 12.9399% | 1,542 |
| Core capital (leverage) ratio | 12.8007% | 1,231 |
| Tier 1 risk-based capital ratio | 16.4846% | 2,438 |
| Total risk-based capital ratio | 17.7421% | 2,377 |
| Memoranda: | ||
| Average total assets | $198,934,000 | 2,985 |
| Average earning assets | $188,845,670 | 2,939 |
| Average equity | $26,360,330 | 2,637 |
| Average total loans | $171,383,000 | 2,398 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1177% | 479 |
| Cost of funding earning assets | 0.7369% | 671 |
| Net interest margin | 4.3808% | 774 |
| Noninterest income to average assets | 0.3207% | 4,436 |
| Noninterest expense to average assets | 2.8293% | 2,960 |
| Loan and lease loss provision to assets | 0.2233% | 848 |
| Net operating income to assets | 0.9438% | 2,538 |
| Return on assets (ROA) | 0.9438% | 2,654 |
| Pretax return on assets | 1.4187% | 1,852 |
| Return on Equity (ROE) | 7.0375% | 3,433 |
| Retained earnings to average equity (ytd only) | 7.0375% | 1,869 |
| Net charge-offs to loans | 1.7724% | 91 |
| Credit loss provision to net charge-offs | 14.8649% | 2,329 |
| Earnings coverage of net charge-offs (x) | 1.0932% | 2,865 |
| Efficiency ratio | 63.2773% | 4,264 |
| Assets per employee ($millions) | 6.5469% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6428% | 1,498 |
| Loan loss allowance to noncurrent loans | 62.8603% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 2.7681% | 491 |
| Noncurrent loans to loans | 2.6134% | 695 |
| Net loans and leases to total assets | 82.9839% | 457 |
| Net loans and leases to deposits | 98.8067% | 702 |
| Net loans and leases to core deposits | 130.0129% | 272 |
| Total domestic deposits to total assets | 83.9861% | 3,527 |
| Equity capital to assets | 13.1394% | 1,346 |
| Core capital (leverage) ratio | 13.2697% | 1,062 |
| Tier 1 risk-based capital ratio | 17.3678% | 2,164 |
| Total risk-based capital ratio | 18.6247% | 2,130 |
| Memoranda: | ||
| Average total assets | $197,082,500 | 3,018 |
| Average earning assets | $186,726,000 | 2,973 |
| Average equity | $26,430,000 | 2,634 |
| Average total loans | $167,008,000 | 2,439 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6498% | 215 |
| Cost of funding earning assets | 0.6922% | 853 |
| Net interest margin | 4.9576% | 276 |
| Noninterest income to average assets | 0.2291% | 5,222 |
| Noninterest expense to average assets | 2.9374% | 2,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2418% | 1,411 |
| Return on assets (ROA) | 1.2418% | 1,467 |
| Pretax return on assets | 1.9519% | 598 |
| Return on Equity (ROE) | 8.9557% | 2,475 |
| Retained earnings to average equity (ytd only) | 5.1484% | 2,317 |
| Net charge-offs to loans | 0.3771% | 766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 5.6990% | 3,340 |
| Efficiency ratio | 60.0781% | 4,901 |
| Assets per employee ($millions) | 5.7942% | 1,542 |
| Cash dividends to net income (ytd only)* | 42.5121% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1151% | 675 |
| Loan loss allowance to noncurrent loans | 82.7644% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 3.6823% | 306 |
| Noncurrent loans to loans | 2.5555% | 702 |
| Net loans and leases to total assets | 83.3325% | 449 |
| Net loans and leases to deposits | 100.5052% | 644 |
| Net loans and leases to core deposits | 123.2404% | 400 |
| Total domestic deposits to total assets | 82.9136% | 3,865 |
| Equity capital to assets | 13.6986% | 1,042 |
| Core capital (leverage) ratio | 13.9540% | 839 |
| Tier 1 risk-based capital ratio | 16.9904% | 2,288 |
| Total risk-based capital ratio | 18.2528% | 2,228 |
| Memoranda: | ||
| Average total assets | $183,360,200 | 3,125 |
| Average earning assets | $172,360,800 | 3,089 |
| Average equity | $25,425,200 | 2,659 |
| Average total loans | $166,522,400 | 2,385 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6868% | 201 |
| Cost of funding earning assets | 0.6983% | 845 |
| Net interest margin | 4.9885% | 259 |
| Noninterest income to average assets | 0.3006% | 4,784 |
| Noninterest expense to average assets | 3.0106% | 2,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2458% | 1,508 |
| Return on assets (ROA) | 1.2458% | 1,558 |
| Pretax return on assets | 1.9787% | 622 |
| Return on Equity (ROE) | 8.9562% | 2,598 |
| Retained earnings to average equity (ytd only) | 3.8414% | 3,736 |
| Net charge-offs to loans | 0.0422% | 3,038 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 50.7959% | 1,036 |
| Efficiency ratio | 60.3418% | 4,840 |
| Assets per employee ($millions) | 5.7121% | 1,587 |
| Cash dividends to net income (ytd only)* | 57.1090% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3040% | 572 |
| Loan loss allowance to noncurrent loans | 95.1456% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 3.7517% | 328 |
| Noncurrent loans to loans | 2.4216% | 853 |
| Net loans and leases to total assets | 90.3836% | 54 |
| Net loans and leases to deposits | 117.3441% | 134 |
| Net loans and leases to core deposits | 147.0063% | 122 |
| Total domestic deposits to total assets | 77.0244% | 5,334 |
| Equity capital to assets | 13.5973% | 1,181 |
| Core capital (leverage) ratio | 13.6898% | 948 |
| Tier 1 risk-based capital ratio | 14.7678% | 3,403 |
| Total risk-based capital ratio | 16.0309% | 3,349 |
| Memoranda: | ||
| Average total assets | $181,397,750 | 3,173 |
| Average earning assets | $170,495,000 | 3,138 |
| Average equity | $25,233,250 | 2,698 |
| Average total loans | $167,457,250 | 2,393 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6224% | 222 |
| Cost of funding earning assets | 0.7053% | 819 |
| Net interest margin | 4.9170% | 291 |
| Noninterest income to average assets | 0.3050% | 4,773 |
| Noninterest expense to average assets | 3.0654% | 2,350 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1763% | 1,679 |
| Return on assets (ROA) | 1.1763% | 1,746 |
| Pretax return on assets | 1.8656% | 795 |
| Return on Equity (ROE) | 8.3902% | 2,853 |
| Retained earnings to average equity (ytd only) | 0.6693% | 5,297 |
| Net charge-offs to loans | 0.0533% | 2,656 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 37.9545% | 1,172 |
| Efficiency ratio | 62.1658% | 4,655 |
| Assets per employee ($millions) | 6.1346% | 1,254 |
| Cash dividends to net income (ytd only)* | 92.0228% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3633% | 580 |
| Loan loss allowance to noncurrent loans | 127.5578% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 3.2634% | 469 |
| Noncurrent loans to loans | 1.8527% | 1,365 |
| Net loans and leases to total assets | 90.3988% | 55 |
| Net loans and leases to deposits | 115.3474% | 154 |
| Net loans and leases to core deposits | 148.1298% | 119 |
| Total domestic deposits to total assets | 78.3709% | 5,205 |
| Equity capital to assets | 13.5738% | 1,139 |
| Core capital (leverage) ratio | 13.8095% | 902 |
| Tier 1 risk-based capital ratio | 14.6150% | 3,571 |
| Total risk-based capital ratio | 15.8785% | 3,489 |
| Memoranda: | ||
| Average total assets | $179,030,330 | 3,228 |
| Average earning assets | $168,434,670 | 3,185 |
| Average equity | $25,100,670 | 2,716 |
| Average total loans | $165,146,000 | 2,431 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5238% | 250 |
| Cost of funding earning assets | 0.7049% | 836 |
| Net interest margin | 4.8189% | 337 |
| Noninterest income to average assets | 0.3829% | 4,137 |
| Noninterest expense to average assets | 3.1565% | 2,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1103% | 1,835 |
| Return on assets (ROA) | 1.1103% | 1,943 |
| Pretax return on assets | 1.7652% | 927 |
| Return on Equity (ROE) | 7.7900% | 3,071 |
| Retained earnings to average equity (ytd only) | 7.7900% | 1,646 |
| Net charge-offs to loans | -0.0197% | 5,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1344% | 4,460 |
| Assets per employee ($millions) | 5.8432% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5510% | 495 |
| Loan loss allowance to noncurrent loans | 117.4151% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 3.5169% | 469 |
| Noncurrent loans to loans | 2.1727% | 1,175 |
| Net loans and leases to total assets | 88.8874% | 82 |
| Net loans and leases to deposits | 108.6037% | 241 |
| Net loans and leases to core deposits | 140.7472% | 151 |
| Total domestic deposits to total assets | 81.8457% | 4,555 |
| Equity capital to assets | 14.4948% | 833 |
| Core capital (leverage) ratio | 14.2775% | 744 |
| Tier 1 risk-based capital ratio | 16.0107% | 2,914 |
| Total risk-based capital ratio | 17.2773% | 2,844 |
| Memoranda: | ||
| Average total assets | $176,526,000 | 3,286 |
| Average earning assets | $166,261,000 | 3,231 |
| Average equity | $25,160,500 | 2,732 |
| Average total loans | $162,521,000 | 2,465 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8528% | 185 |
| Cost of funding earning assets | 0.7095% | 1,049 |
| Net interest margin | 5.1433% | 229 |
| Noninterest income to average assets | 0.4488% | 3,836 |
| Noninterest expense to average assets | 2.7296% | 3,753 |
| Loan and lease loss provision to assets | 0.7066% | 176 |
| Net operating income to assets | 1.3583% | 1,166 |
| Return on assets (ROA) | 1.3583% | 1,211 |
| Pretax return on assets | 1.8930% | 654 |
| Return on Equity (ROE) | 9.9989% | 2,129 |
| Retained earnings to average equity (ytd only) | 6.7741% | 1,508 |
| Net charge-offs to loans | 1.0687% | 271 |
| Credit loss provision to net charge-offs | 70.9019% | 3,052 |
| Earnings coverage of net charge-offs (x) | 2.6086% | 4,107 |
| Efficiency ratio | 51.2198% | 6,031 |
| Assets per employee ($millions) | 5.9252% | 1,433 |
| Cash dividends to net income (ytd only)* | 32.2514% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4651% | 578 |
| Loan loss allowance to noncurrent loans | 70.5179% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 3.5358% | 525 |
| Noncurrent loans to loans | 3.4957% | 583 |
| Net loans and leases to total assets | 90.6163% | 54 |
| Net loans and leases to deposits | 114.3024% | 161 |
| Net loans and leases to core deposits | 149.2223% | 115 |
| Total domestic deposits to total assets | 79.2777% | 5,188 |
| Equity capital to assets | 14.0148% | 950 |
| Core capital (leverage) ratio | 13.4699% | 978 |
| Tier 1 risk-based capital ratio | 15.7539% | 3,096 |
| Total risk-based capital ratio | 17.0204% | 3,022 |
| Memoranda: | ||
| Average total assets | $176,911,600 | 3,243 |
| Average earning assets | $167,869,800 | 3,183 |
| Average equity | $24,032,600 | 2,755 |
| Average total loans | $164,962,000 | 2,375 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7731% | 200 |
| Cost of funding earning assets | 0.7346% | 969 |
| Net interest margin | 5.0386% | 277 |
| Noninterest income to average assets | 0.3267% | 4,821 |
| Noninterest expense to average assets | 2.8198% | 3,385 |
| Loan and lease loss provision to assets | 0.3773% | 459 |
| Net operating income to assets | 1.4125% | 1,106 |
| Return on assets (ROA) | 1.4125% | 1,144 |
| Pretax return on assets | 1.9120% | 699 |
| Return on Equity (ROE) | 10.4815% | 2,011 |
| Retained earnings to average equity (ytd only) | 6.1422% | 2,316 |
| Net charge-offs to loans | 0.4293% | 923 |
| Credit loss provision to net charge-offs | 94.1620% | 2,356 |
| Earnings coverage of net charge-offs (x) | 5.7138% | 3,208 |
| Efficiency ratio | 55.1913% | 5,724 |
| Assets per employee ($millions) | 6.1080% | 1,257 |
| Cash dividends to net income (ytd only)* | 41.3996% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6420% | 535 |
| Loan loss allowance to noncurrent loans | 106.7777% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 2.5448% | 1,018 |
| Noncurrent loans to loans | 2.4743% | 1,191 |
| Net loans and leases to total assets | 91.5624% | 33 |
| Net loans and leases to deposits | 120.2425% | 94 |
| Net loans and leases to core deposits | 153.8994% | 93 |
| Total domestic deposits to total assets | 76.1481% | 5,795 |
| Equity capital to assets | 13.3094% | 1,273 |
| Core capital (leverage) ratio | 13.3630% | 1,042 |
| Tier 1 risk-based capital ratio | 15.0354% | 3,561 |
| Total risk-based capital ratio | 16.3044% | 3,491 |
| Memoranda: | ||
| Average total assets | $176,700,750 | 3,274 |
| Average earning assets | $167,715,500 | 3,210 |
| Average equity | $23,812,750 | 2,779 |
| Average total loans | $164,916,000 | 2,396 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7006% | 220 |
| Cost of funding earning assets | 0.7284% | 1,027 |
| Net interest margin | 4.9721% | 297 |
| Noninterest income to average assets | 0.2968% | 5,036 |
| Noninterest expense to average assets | 2.8409% | 3,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3775% | 1,118 |
| Return on assets (ROA) | 1.3775% | 1,159 |
| Pretax return on assets | 2.1728% | 385 |
| Return on Equity (ROE) | 10.1774% | 2,067 |
| Retained earnings to average equity (ytd only) | 3.6154% | 3,890 |
| Net charge-offs to loans | 0.3103% | 1,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.5238% | 2,615 |
| Efficiency ratio | 56.6629% | 5,685 |
| Assets per employee ($millions) | 5.9807% | 1,292 |
| Cash dividends to net income (ytd only)* | 64.4759% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5779% | 639 |
| Loan loss allowance to noncurrent loans | 97.3264% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 2.6022% | 1,050 |
| Noncurrent loans to loans | 2.6487% | 1,146 |
| Net loans and leases to total assets | 91.2441% | 32 |
| Net loans and leases to deposits | 116.7737% | 112 |
| Net loans and leases to core deposits | 148.4957% | 105 |
| Total domestic deposits to total assets | 78.1376% | 5,610 |
| Equity capital to assets | 13.2247% | 1,259 |
| Core capital (leverage) ratio | 13.6351% | 938 |
| Tier 1 risk-based capital ratio | 15.0005% | 3,644 |
| Total risk-based capital ratio | 16.2689% | 3,575 |
| Memoranda: | ||
| Average total assets | $174,521,330 | 3,311 |
| Average earning assets | $165,562,670 | 3,253 |
| Average equity | $23,621,000 | 2,786 |
| Average total loans | $162,444,330 | 2,422 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7267% | 211 |
| Cost of funding earning assets | 0.7112% | 1,180 |
| Net interest margin | 5.0155% | 262 |
| Noninterest income to average assets | 0.2557% | 5,312 |
| Noninterest expense to average assets | 2.9360% | 3,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3111% | 1,188 |
| Return on assets (ROA) | 1.3111% | 1,233 |
| Pretax return on assets | 2.0736% | 449 |
| Return on Equity (ROE) | 9.5725% | 2,212 |
| Retained earnings to average equity (ytd only) | 9.5725% | 1,085 |
| Net charge-offs to loans | 0.0977% | 2,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 22.8718% | 1,236 |
| Efficiency ratio | 58.6079% | 5,591 |
| Assets per employee ($millions) | 5.9158% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8716% | 500 |
| Loan loss allowance to noncurrent loans | 119.9208% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 2.4073% | 1,345 |
| Noncurrent loans to loans | 2.3946% | 1,465 |
| Net loans and leases to total assets | 89.6088% | 50 |
| Net loans and leases to deposits | 109.8424% | 156 |
| Net loans and leases to core deposits | 138.3717% | 134 |
| Total domestic deposits to total assets | 81.5794% | 5,068 |
| Equity capital to assets | 13.9049% | 949 |
| Core capital (leverage) ratio | 13.8694% | 861 |
| Tier 1 risk-based capital ratio | 15.3993% | 3,503 |
| Total risk-based capital ratio | 16.6700% | 3,438 |
| Memoranda: | ||
| Average total assets | $172,071,000 | 3,378 |
| Average earning assets | $163,094,500 | 3,307 |
| Average equity | $23,567,500 | 2,789 |
| Average total loans | $159,644,500 | 2,466 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8856% | 204 |
| Cost of funding earning assets | 0.8148% | 1,125 |
| Net interest margin | 5.0708% | 276 |
| Noninterest income to average assets | 0.2657% | 5,445 |
| Noninterest expense to average assets | 2.7125% | 4,050 |
| Loan and lease loss provision to assets | 0.1671% | 2,186 |
| Net operating income to assets | 1.3546% | 1,126 |
| Return on assets (ROA) | 1.3546% | 1,170 |
| Pretax return on assets | 2.1777% | 324 |
| Return on Equity (ROE) | 10.7127% | 1,859 |
| Retained earnings to average equity (ytd only) | 7.2404% | 1,339 |
| Net charge-offs to loans | 0.5062% | 1,312 |
| Credit loss provision to net charge-offs | 35.8881% | 4,134 |
| Earnings coverage of net charge-offs (x) | 5.0353% | 3,401 |
| Efficiency ratio | 53.6350% | 6,170 |
| Assets per employee ($millions) | 5.9512% | 1,302 |
| Cash dividends to net income (ytd only)* | 32.4132% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8470% | 560 |
| Loan loss allowance to noncurrent loans | 121.9149% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 2.3131% | 1,518 |
| Noncurrent loans to loans | 2.3352% | 1,644 |
| Net loans and leases to total assets | 90.6393% | 36 |
| Net loans and leases to deposits | 112.7359% | 125 |
| Net loans and leases to core deposits | 140.8737% | 131 |
| Total domestic deposits to total assets | 80.3997% | 5,349 |
| Equity capital to assets | 13.4891% | 1,076 |
| Core capital (leverage) ratio | 13.0600% | 1,117 |
| Tier 1 risk-based capital ratio | 14.8414% | 3,757 |
| Total risk-based capital ratio | 16.1124% | 3,692 |
| Memoranda: | ||
| Average total assets | $176,515,000 | 3,315 |
| Average earning assets | $166,797,000 | 3,257 |
| Average equity | $22,319,200 | 2,890 |
| Average total loans | $162,371,000 | 2,386 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8248% | 229 |
| Cost of funding earning assets | 0.8185% | 1,216 |
| Net interest margin | 5.0063% | 313 |
| Noninterest income to average assets | 0.3238% | 5,092 |
| Noninterest expense to average assets | 2.7064% | 3,998 |
| Loan and lease loss provision to assets | 0.2216% | 1,642 |
| Net operating income to assets | 1.2612% | 1,452 |
| Return on assets (ROA) | 1.2612% | 1,519 |
| Pretax return on assets | 2.1235% | 456 |
| Return on Equity (ROE) | 10.1391% | 2,129 |
| Retained earnings to average equity (ytd only) | 5.4590% | 2,750 |
| Net charge-offs to loans | 0.3335% | 1,878 |
| Credit loss provision to net charge-offs | 72.4816% | 3,016 |
| Earnings coverage of net charge-offs (x) | 7.6708% | 2,760 |
| Efficiency ratio | 53.5762% | 6,140 |
| Assets per employee ($millions) | 6.7666% | 827 |
| Cash dividends to net income (ytd only)* | 46.1586% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9356% | 591 |
| Loan loss allowance to noncurrent loans | 102.7333% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 3.0849% | 1,194 |
| Noncurrent loans to loans | 2.8575% | 1,444 |
| Net loans and leases to total assets | 90.4733% | 37 |
| Net loans and leases to deposits | 118.4295% | 77 |
| Net loans and leases to core deposits | 149.5341% | 93 |
| Total domestic deposits to total assets | 76.3942% | 6,126 |
| Equity capital to assets | 12.3631% | 1,664 |
| Core capital (leverage) ratio | 12.4806% | 1,432 |
| Tier 1 risk-based capital ratio | 13.8322% | 4,549 |
| Total risk-based capital ratio | 15.1046% | 4,484 |
| Memoranda: | ||
| Average total assets | $177,497,750 | 3,333 |
| Average earning assets | $167,624,000 | 3,279 |
| Average equity | $22,079,000 | 2,955 |
| Average total loans | $162,710,500 | 2,397 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7673% | 251 |
| Cost of funding earning assets | 0.8358% | 1,227 |
| Net interest margin | 4.9315% | 347 |
| Noninterest income to average assets | 0.3459% | 4,925 |
| Noninterest expense to average assets | 2.7537% | 3,846 |
| Loan and lease loss provision to assets | 0.2788% | 1,317 |
| Net operating income to assets | 1.1515% | 1,735 |
| Return on assets (ROA) | 1.1515% | 1,852 |
| Pretax return on assets | 1.9731% | 634 |
| Return on Equity (ROE) | 9.2379% | 2,527 |
| Retained earnings to average equity (ytd only) | 2.1634% | 4,900 |
| Net charge-offs to loans | 0.3196% | 1,906 |
| Credit loss provision to net charge-offs | 95.7031% | 2,323 |
| Earnings coverage of net charge-offs (x) | 7.7305% | 2,507 |
| Efficiency ratio | 55.0125% | 6,060 |
| Assets per employee ($millions) | 6.3659% | 978 |
| Cash dividends to net income (ytd only)* | 76.5810% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0414% | 562 |
| Loan loss allowance to noncurrent loans | 136.9863% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 2.3642% | 1,816 |
| Noncurrent loans to loans | 2.2202% | 2,149 |
| Net loans and leases to total assets | 91.2143% | 26 |
| Net loans and leases to deposits | 116.0121% | 83 |
| Net loans and leases to core deposits | 145.6389% | 108 |
| Total domestic deposits to total assets | 78.6248% | 5,869 |
| Equity capital to assets | 12.2916% | 1,710 |
| Core capital (leverage) ratio | 12.5563% | 1,337 |
| Tier 1 risk-based capital ratio | 13.7912% | 4,574 |
| Total risk-based capital ratio | 15.0657% | 4,519 |
| Memoranda: | ||
| Average total assets | $175,764,670 | 3,363 |
| Average earning assets | $166,075,000 | 3,314 |
| Average equity | $21,909,670 | 2,999 |
| Average total loans | $160,183,670 | 2,438 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6292% | 303 |
| Cost of funding earning assets | 0.8565% | 1,222 |
| Net interest margin | 4.7727% | 420 |
| Noninterest income to average assets | 0.3690% | 4,717 |
| Noninterest expense to average assets | 2.7389% | 3,919 |
| Loan and lease loss provision to assets | 0.2980% | 1,172 |
| Net operating income to assets | 1.0635% | 1,981 |
| Return on assets (ROA) | 1.0635% | 2,095 |
| Pretax return on assets | 1.8404% | 817 |
| Return on Equity (ROE) | 8.4710% | 2,733 |
| Retained earnings to average equity (ytd only) | 8.4710% | 1,573 |
| Net charge-offs to loans | 0.3299% | 1,650 |
| Credit loss provision to net charge-offs | 100.7752% | 1,808 |
| Earnings coverage of net charge-offs (x) | 7.2326% | 2,098 |
| Efficiency ratio | 56.1560% | 6,053 |
| Assets per employee ($millions) | 6.4203% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2522% | 518 |
| Loan loss allowance to noncurrent loans | 136.6480% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 2.4315% | 1,905 |
| Noncurrent loans to loans | 2.3800% | 2,184 |
| Net loans and leases to total assets | 87.7276% | 77 |
| Net loans and leases to deposits | 107.3491% | 173 |
| Net loans and leases to core deposits | 133.5209% | 157 |
| Total domestic deposits to total assets | 81.7218% | 5,290 |
| Equity capital to assets | 12.7748% | 1,547 |
| Core capital (leverage) ratio | 12.8144% | 1,189 |
| Tier 1 risk-based capital ratio | 14.7481% | 3,999 |
| Total risk-based capital ratio | 16.0249% | 3,954 |
| Memoranda: | ||
| Average total assets | $174,525,000 | 3,423 |
| Average earning assets | $164,854,500 | 3,360 |
| Average equity | $21,910,000 | 3,035 |
| Average total loans | $156,433,500 | 2,506 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9013% | 312 |
| Cost of funding earning assets | 1.0180% | 1,264 |
| Net interest margin | 4.8833% | 464 |
| Noninterest income to average assets | 0.3457% | 4,992 |
| Noninterest expense to average assets | 2.6720% | 4,503 |
| Loan and lease loss provision to assets | 0.6181% | 878 |
| Net operating income to assets | 1.0341% | 2,191 |
| Return on assets (ROA) | 1.0341% | 2,395 |
| Pretax return on assets | 1.6676% | 1,222 |
| Return on Equity (ROE) | 8.5751% | 2,837 |
| Retained earnings to average equity (ytd only) | 4.8974% | 2,768 |
| Net charge-offs to loans | 0.7007% | 1,689 |
| Credit loss provision to net charge-offs | 99.8152% | 3,104 |
| Earnings coverage of net charge-offs (x) | 3.6913% | 3,636 |
| Efficiency ratio | 53.8959% | 6,279 |
| Assets per employee ($millions) | 6.5074% | 998 |
| Cash dividends to net income (ytd only)* | 42.8888% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2830% | 515 |
| Loan loss allowance to noncurrent loans | 119.8078% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 2.6574% | 1,817 |
| Noncurrent loans to loans | 2.7402% | 1,933 |
| Net loans and leases to total assets | 85.6962% | 140 |
| Net loans and leases to deposits | 104.3119% | 259 |
| Net loans and leases to core deposits | 132.7734% | 165 |
| Total domestic deposits to total assets | 82.1538% | 5,043 |
| Equity capital to assets | 12.3363% | 1,836 |
| Core capital (leverage) ratio | 12.2043% | 1,448 |
| Tier 1 risk-based capital ratio | 14.4811% | 4,045 |
| Total risk-based capital ratio | 15.7577% | 3,981 |
| Memoranda: | ||
| Average total assets | $174,740,000 | 3,381 |
| Average earning assets | $165,030,800 | 3,305 |
| Average equity | $21,072,600 | 3,086 |
| Average total loans | $154,419,000 | 2,511 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8458% | 370 |
| Cost of funding earning assets | 1.0377% | 1,353 |
| Net interest margin | 4.8082% | 556 |
| Noninterest income to average assets | 0.3484% | 5,030 |
| Noninterest expense to average assets | 2.6949% | 4,389 |
| Loan and lease loss provision to assets | 0.4470% | 1,407 |
| Net operating income to assets | 0.9765% | 2,629 |
| Return on assets (ROA) | 0.9765% | 2,851 |
| Pretax return on assets | 1.7490% | 1,159 |
| Return on Equity (ROE) | 8.1443% | 3,214 |
| Retained earnings to average equity (ytd only) | 4.1932% | 3,941 |
| Net charge-offs to loans | 0.5485% | 1,961 |
| Credit loss provision to net charge-offs | 92.2713% | 3,226 |
| Earnings coverage of net charge-offs (x) | 4.5331% | 3,280 |
| Efficiency ratio | 55.1008% | 6,145 |
| Assets per employee ($millions) | 6.6009% | 906 |
| Cash dividends to net income (ytd only)* | 48.5135% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0330% | 693 |
| Loan loss allowance to noncurrent loans | 106.1413% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 3.0652% | 1,694 |
| Noncurrent loans to loans | 2.8575% | 1,970 |
| Net loans and leases to total assets | 90.8413% | 35 |
| Net loans and leases to deposits | 118.0303% | 85 |
| Net loans and leases to core deposits | 154.9959% | 95 |
| Total domestic deposits to total assets | 76.9644% | 6,237 |
| Equity capital to assets | 11.9602% | 2,296 |
| Core capital (leverage) ratio | 12.4444% | 1,432 |
| Tier 1 risk-based capital ratio | 13.5568% | 4,845 |
| Total risk-based capital ratio | 14.8311% | 4,794 |
| Memoranda: | ||
| Average total assets | $174,499,750 | 3,421 |
| Average earning assets | $164,854,500 | 3,344 |
| Average equity | $20,922,000 | 3,123 |
| Average total loans | $154,103,750 | 2,541 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7425% | 448 |
| Cost of funding earning assets | 1.0792% | 1,317 |
| Net interest margin | 4.6634% | 724 |
| Noninterest income to average assets | 0.3244% | 5,235 |
| Noninterest expense to average assets | 2.6989% | 4,431 |
| Loan and lease loss provision to assets | 0.4502% | 1,428 |
| Net operating income to assets | 0.8727% | 3,031 |
| Return on assets (ROA) | 0.8727% | 3,290 |
| Pretax return on assets | 1.5849% | 1,586 |
| Return on Equity (ROE) | 7.2725% | 3,632 |
| Retained earnings to average equity (ytd only) | 1.3083% | 5,536 |
| Net charge-offs to loans | 0.7409% | 1,489 |
| Credit loss provision to net charge-offs | 70.2703% | 3,554 |
| Earnings coverage of net charge-offs (x) | 3.1766% | 3,469 |
| Efficiency ratio | 57.0105% | 5,998 |
| Assets per employee ($millions) | 6.1882% | 1,119 |
| Cash dividends to net income (ytd only)* | 82.0106% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1987% | 640 |
| Loan loss allowance to noncurrent loans | 114.5370% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 2.7813% | 1,983 |
| Noncurrent loans to loans | 2.7928% | 2,141 |
| Net loans and leases to total assets | 89.6195% | 48 |
| Net loans and leases to deposits | 109.3393% | 160 |
| Net loans and leases to core deposits | 137.2308% | 163 |
| Total domestic deposits to total assets | 81.9645% | 5,148 |
| Equity capital to assets | 12.4340% | 1,854 |
| Core capital (leverage) ratio | 12.1645% | 1,511 |
| Tier 1 risk-based capital ratio | 14.3847% | 4,185 |
| Total risk-based capital ratio | 15.6619% | 4,133 |
| Memoranda: | ||
| Average total assets | $173,258,330 | 3,456 |
| Average earning assets | $163,830,330 | 3,364 |
| Average equity | $20,790,670 | 3,129 |
| Average total loans | $149,816,670 | 2,618 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5744% | 661 |
| Cost of funding earning assets | 1.1144% | 1,323 |
| Net interest margin | 4.4600% | 1,090 |
| Noninterest income to average assets | 0.3085% | 5,419 |
| Noninterest expense to average assets | 2.7038% | 4,410 |
| Loan and lease loss provision to assets | 0.4423% | 1,409 |
| Net operating income to assets | 0.7463% | 3,645 |
| Return on assets (ROA) | 0.7463% | 3,881 |
| Pretax return on assets | 1.3836% | 2,236 |
| Return on Equity (ROE) | 6.3274% | 4,126 |
| Retained earnings to average equity (ytd only) | 6.3274% | 2,782 |
| Net charge-offs to loans | 0.0516% | 3,986 |
| Credit loss provision to net charge-offs | 1,026.3158% | 333 |
| Earnings coverage of net charge-offs (x) | 42.3684% | 710 |
| Efficiency ratio | 59.6895% | 5,669 |
| Assets per employee ($millions) | 6.5176% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5837% | 509 |
| Loan loss allowance to noncurrent loans | 128.4050% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 2.6543% | 2,227 |
| Noncurrent loans to loans | 2.7909% | 2,322 |
| Net loans and leases to total assets | 80.8610% | 342 |
| Net loans and leases to deposits | 96.2774% | 519 |
| Net loans and leases to core deposits | 123.6894% | 257 |
| Total domestic deposits to total assets | 83.9876% | 4,498 |
| Equity capital to assets | 11.9158% | 2,102 |
| Core capital (leverage) ratio | 11.8434% | 1,679 |
| Tier 1 risk-based capital ratio | 14.8624% | 3,850 |
| Total risk-based capital ratio | 16.1434% | 3,795 |
| Memoranda: | ||
| Average total assets | $176,346,500 | 3,434 |
| Average earning assets | $166,907,000 | 3,334 |
| Average equity | $20,798,500 | 3,132 |
| Average total loans | $147,382,000 | 2,671 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1505% | 341 |
| Cost of funding earning assets | 1.4157% | 969 |
| Net interest margin | 4.7348% | 701 |
| Noninterest income to average assets | 0.7236% | 2,480 |
| Noninterest expense to average assets | 2.6523% | 4,913 |
| Loan and lease loss provision to assets | 1.3166% | 615 |
| Net operating income to assets | 0.7605% | 3,219 |
| Return on assets (ROA) | 0.7605% | 3,376 |
| Pretax return on assets | 1.2162% | 2,400 |
| Return on Equity (ROE) | 6.4948% | 3,645 |
| Retained earnings to average equity (ytd only) | 3.4373% | 3,778 |
| Net charge-offs to loans | 1.0306% | 1,690 |
| Credit loss provision to net charge-offs | 147.8599% | 1,923 |
| Earnings coverage of net charge-offs (x) | 2.8444% | 3,789 |
| Efficiency ratio | 51.1527% | 6,766 |
| Assets per employee ($millions) | 6.5451% | 929 |
| Cash dividends to net income (ytd only)* | 47.0767% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4740% | 544 |
| Loan loss allowance to noncurrent loans | 107.6194% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 2.7321% | 2,226 |
| Noncurrent loans to loans | 3.2280% | 2,002 |
| Net loans and leases to total assets | 80.3918% | 454 |
| Net loans and leases to deposits | 95.5393% | 701 |
| Net loans and leases to core deposits | 123.4702% | 306 |
| Total domestic deposits to total assets | 84.1453% | 4,263 |
| Equity capital to assets | 11.6729% | 2,359 |
| Core capital (leverage) ratio | 11.6975% | 1,766 |
| Tier 1 risk-based capital ratio | 14.5846% | 3,911 |
| Total risk-based capital ratio | 15.8639% | 3,872 |
| Memoranda: | ||
| Average total assets | $173,168,000 | 3,440 |
| Average earning assets | $163,174,000 | 3,346 |
| Average equity | $20,277,800 | 3,095 |
| Average total loans | $149,619,800 | 2,648 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2171% | 314 |
| Cost of funding earning assets | 1.4636% | 979 |
| Net interest margin | 4.7535% | 682 |
| Noninterest income to average assets | 0.4698% | 4,134 |
| Noninterest expense to average assets | 2.6893% | 4,770 |
| Loan and lease loss provision to assets | 0.4527% | 2,198 |
| Net operating income to assets | 1.0069% | 2,294 |
| Return on assets (ROA) | 1.0069% | 2,446 |
| Pretax return on assets | 1.8017% | 952 |
| Return on Equity (ROE) | 8.5914% | 2,782 |
| Retained earnings to average equity (ytd only) | 4.4971% | 3,523 |
| Net charge-offs to loans | 0.1713% | 4,428 |
| Credit loss provision to net charge-offs | 303.1088% | 937 |
| Earnings coverage of net charge-offs (x) | 15.0931% | 1,492 |
| Efficiency ratio | 54.3989% | 6,446 |
| Assets per employee ($millions) | 6.3239% | 1,026 |
| Cash dividends to net income (ytd only)* | 47.6560% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0177% | 848 |
| Loan loss allowance to noncurrent loans | 318.8629% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.9330% | 4,889 |
| Noncurrent loans to loans | 0.9464% | 4,989 |
| Net loans and leases to total assets | 89.7267% | 46 |
| Net loans and leases to deposits | 107.7597% | 217 |
| Net loans and leases to core deposits | 147.7196% | 139 |
| Total domestic deposits to total assets | 83.2656% | 4,578 |
| Equity capital to assets | 12.0883% | 2,179 |
| Core capital (leverage) ratio | 12.1603% | 1,613 |
| Tier 1 risk-based capital ratio | 13.9581% | 4,388 |
| Total risk-based capital ratio | 15.2330% | 4,336 |
| Memoranda: | ||
| Average total assets | $172,280,750 | 3,478 |
| Average earning assets | $162,150,000 | 3,382 |
| Average equity | $20,190,250 | 3,117 |
| Average total loans | $150,230,000 | 2,656 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0543% | 425 |
| Cost of funding earning assets | 1.4979% | 1,017 |
| Net interest margin | 4.5564% | 999 |
| Noninterest income to average assets | 0.4688% | 4,123 |
| Noninterest expense to average assets | 2.6760% | 4,914 |
| Loan and lease loss provision to assets | 0.4514% | 2,161 |
| Net operating income to assets | 0.9028% | 2,623 |
| Return on assets (ROA) | 0.9028% | 2,733 |
| Pretax return on assets | 1.6297% | 1,202 |
| Return on Equity (ROE) | 7.7843% | 3,055 |
| Retained earnings to average equity (ytd only) | 1.5968% | 5,189 |
| Net charge-offs to loans | 0.0799% | 4,843 |
| Credit loss provision to net charge-offs | 661.0169% | 475 |
| Earnings coverage of net charge-offs (x) | 30.4746% | 906 |
| Efficiency ratio | 56.2530% | 6,394 |
| Assets per employee ($millions) | 6.0336% | 1,171 |
| Cash dividends to net income (ytd only)* | 79.4872% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0683% | 838 |
| Loan loss allowance to noncurrent loans | 486.1570% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.6422% | 5,629 |
| Noncurrent loans to loans | 0.6311% | 5,661 |
| Net loans and leases to total assets | 87.9988% | 80 |
| Net loans and leases to deposits | 106.8463% | 241 |
| Net loans and leases to core deposits | 142.8323% | 171 |
| Total domestic deposits to total assets | 82.3602% | 5,040 |
| Equity capital to assets | 11.8846% | 2,181 |
| Core capital (leverage) ratio | 11.8217% | 1,706 |
| Tier 1 risk-based capital ratio | 13.8548% | 4,267 |
| Total risk-based capital ratio | 15.1296% | 4,219 |
| Memoranda: | ||
| Average total assets | $172,793,000 | 3,485 |
| Average earning assets | $162,627,000 | 3,393 |
| Average equity | $20,040,330 | 3,120 |
| Average total loans | $147,650,000 | 2,725 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8703% | 641 |
| Cost of funding earning assets | 1.5425% | 1,011 |
| Net interest margin | 4.3278% | 1,476 |
| Noninterest income to average assets | 0.4419% | 4,346 |
| Noninterest expense to average assets | 2.7358% | 4,692 |
| Loan and lease loss provision to assets | 0.4464% | 1,975 |
| Net operating income to assets | 0.7143% | 3,457 |
| Return on assets (ROA) | 0.7143% | 3,523 |
| Pretax return on assets | 1.3256% | 1,959 |
| Return on Equity (ROE) | 6.2333% | 3,764 |
| Retained earnings to average equity (ytd only) | 6.2333% | 2,506 |
| Net charge-offs to loans | 0.0884% | 4,068 |
| Credit loss provision to net charge-offs | 609.3750% | 610 |
| Earnings coverage of net charge-offs (x) | 24.1875% | 995 |
| Efficiency ratio | 60.6907% | 5,877 |
| Assets per employee ($millions) | 6.0913% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1034% | 832 |
| Loan loss allowance to noncurrent loans | 434.2584% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.6315% | 5,689 |
| Noncurrent loans to loans | 0.7146% | 5,583 |
| Net loans and leases to total assets | 83.0742% | 270 |
| Net loans and leases to deposits | 100.6357% | 437 |
| Net loans and leases to core deposits | 133.9561% | 235 |
| Total domestic deposits to total assets | 82.5494% | 5,088 |
| Equity capital to assets | 11.8348% | 2,017 |
| Core capital (leverage) ratio | 11.4896% | 1,851 |
| Tier 1 risk-based capital ratio | 14.4184% | 3,794 |
| Total risk-based capital ratio | 15.6930% | 3,736 |
| Memoranda: | ||
| Average total assets | $174,718,500 | 3,470 |
| Average earning assets | $164,149,500 | 3,386 |
| Average equity | $20,021,500 | 3,110 |
| Average total loans | $144,788,500 | 2,791 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6410% | 259 |
| Cost of funding earning assets | 1.6916% | 1,643 |
| Net interest margin | 4.9495% | 487 |
| Noninterest income to average assets | 0.4837% | 4,295 |
| Noninterest expense to average assets | 2.7406% | 4,813 |
| Loan and lease loss provision to assets | 1.1360% | 1,406 |
| Net operating income to assets | 0.7569% | 2,968 |
| Return on assets (ROA) | 0.7569% | 3,091 |
| Pretax return on assets | 1.2149% | 2,175 |
| Return on Equity (ROE) | 6.5391% | 3,320 |
| Retained earnings to average equity (ytd only) | 3.3367% | 3,531 |
| Net charge-offs to loans | 0.5722% | 3,336 |
| Credit loss provision to net charge-offs | 225.6532% | 1,316 |
| Earnings coverage of net charge-offs (x) | 4.6698% | 2,848 |
| Efficiency ratio | 53.8281% | 6,823 |
| Assets per employee ($millions) | 6.3886% | 998 |
| Cash dividends to net income (ytd only)* | 48.9731% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0519% | 831 |
| Loan loss allowance to noncurrent loans | 613.6045% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.4864% | 6,057 |
| Noncurrent loans to loans | 0.4974% | 6,047 |
| Net loans and leases to total assets | 77.6919% | 993 |
| Net loans and leases to deposits | 93.0614% | 1,138 |
| Net loans and leases to core deposits | 158.5525% | 147 |
| Total domestic deposits to total assets | 83.4846% | 4,614 |
| Equity capital to assets | 11.1012% | 2,596 |
| Core capital (leverage) ratio | 11.5583% | 1,804 |
| Tier 1 risk-based capital ratio | 14.0121% | 3,864 |
| Total risk-based capital ratio | 15.2851% | 3,812 |
| Memoranda: | ||
| Average total assets | $167,260,000 | 3,587 |
| Average earning assets | $155,714,200 | 3,527 |
| Average equity | $19,360,400 | 3,232 |
| Average total loans | $147,150,800 | 2,821 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8061% | 201 |
| Cost of funding earning assets | 1.7430% | 1,656 |
| Net interest margin | 5.0632% | 382 |
| Noninterest income to average assets | 0.4924% | 4,248 |
| Noninterest expense to average assets | 2.8263% | 4,369 |
| Loan and lease loss provision to assets | 0.4746% | 3,100 |
| Net operating income to assets | 1.0668% | 2,015 |
| Return on assets (ROA) | 1.0668% | 2,127 |
| Pretax return on assets | 1.9023% | 768 |
| Return on Equity (ROE) | 9.1146% | 2,451 |
| Retained earnings to average equity (ytd only) | 5.8916% | 2,420 |
| Net charge-offs to loans | 0.5375% | 3,151 |
| Credit loss provision to net charge-offs | 97.9899% | 4,437 |
| Earnings coverage of net charge-offs (x) | 4.9079% | 2,900 |
| Efficiency ratio | 54.3187% | 6,761 |
| Assets per employee ($millions) | 6.0096% | 1,233 |
| Cash dividends to net income (ytd only)* | 35.3609% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1529% | 1,884 |
| Loan loss allowance to noncurrent loans | 293.5169% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.6882% | 5,743 |
| Noncurrent loans to loans | 0.7335% | 5,737 |
| Net loans and leases to total assets | 89.2695% | 75 |
| Net loans and leases to deposits | 110.8944% | 239 |
| Net loans and leases to core deposits | 146.5883% | 206 |
| Total domestic deposits to total assets | 80.4996% | 5,544 |
| Equity capital to assets | 11.9696% | 2,176 |
| Core capital (leverage) ratio | 11.9270% | 1,709 |
| Tier 1 risk-based capital ratio | 13.6847% | 4,060 |
| Total risk-based capital ratio | 14.9473% | 4,009 |
| Memoranda: | ||
| Average total assets | $164,354,750 | 3,674 |
| Average earning assets | $152,916,750 | 3,640 |
| Average equity | $19,236,000 | 3,287 |
| Average total loans | $148,100,750 | 2,838 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7682% | 218 |
| Cost of funding earning assets | 1.7716% | 1,761 |
| Net interest margin | 4.9965% | 423 |
| Noninterest income to average assets | 0.4968% | 4,140 |
| Noninterest expense to average assets | 2.8703% | 4,187 |
| Loan and lease loss provision to assets | 0.4784% | 2,911 |
| Net operating income to assets | 0.9936% | 2,227 |
| Return on assets (ROA) | 0.9936% | 2,302 |
| Pretax return on assets | 1.7872% | 910 |
| Return on Equity (ROE) | 8.5559% | 2,644 |
| Retained earnings to average equity (ytd only) | 3.6442% | 3,782 |
| Net charge-offs to loans | 0.6671% | 2,544 |
| Credit loss provision to net charge-offs | 79.9180% | 4,710 |
| Earnings coverage of net charge-offs (x) | 3.7848% | 3,176 |
| Efficiency ratio | 55.8873% | 6,649 |
| Assets per employee ($millions) | 5.9380% | 1,274 |
| Cash dividends to net income (ytd only)* | 57.4074% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1365% | 1,891 |
| Loan loss allowance to noncurrent loans | 177.5510% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 1.1319% | 4,872 |
| Noncurrent loans to loans | 1.2033% | 4,953 |
| Net loans and leases to total assets | 88.6818% | 101 |
| Net loans and leases to deposits | 111.3633% | 241 |
| Net loans and leases to core deposits | 146.4506% | 234 |
| Total domestic deposits to total assets | 79.6329% | 5,847 |
| Equity capital to assets | 11.8421% | 2,191 |
| Core capital (leverage) ratio | 11.9809% | 1,647 |
| Tier 1 risk-based capital ratio | 13.5790% | 4,020 |
| Total risk-based capital ratio | 14.8412% | 3,970 |
| Memoranda: | ||
| Average total assets | $163,050,330 | 3,721 |
| Average earning assets | $151,384,670 | 3,687 |
| Average equity | $18,934,330 | 3,308 |
| Average total loans | $146,295,330 | 2,896 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7633% | 237 |
| Cost of funding earning assets | 1.7692% | 2,014 |
| Net interest margin | 4.9940% | 420 |
| Noninterest income to average assets | 0.5104% | 3,971 |
| Noninterest expense to average assets | 2.9682% | 3,791 |
| Loan and lease loss provision to assets | 0.4831% | 2,567 |
| Net operating income to assets | 0.9242% | 2,455 |
| Return on assets (ROA) | 0.9242% | 2,519 |
| Pretax return on assets | 1.6749% | 1,106 |
| Return on Equity (ROE) | 8.0401% | 2,866 |
| Retained earnings to average equity (ytd only) | 8.0401% | 1,695 |
| Net charge-offs to loans | 0.0971% | 4,446 |
| Credit loss provision to net charge-offs | 557.1429% | 774 |
| Earnings coverage of net charge-offs (x) | 24.8857% | 997 |
| Efficiency ratio | 57.9024% | 6,498 |
| Assets per employee ($millions) | 5.7555% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3952% | 1,426 |
| Loan loss allowance to noncurrent loans | 233.8265% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.9748% | 5,201 |
| Noncurrent loans to loans | 1.0243% | 5,286 |
| Net loans and leases to total assets | 87.9209% | 128 |
| Net loans and leases to deposits | 113.0618% | 228 |
| Net loans and leases to core deposits | 143.4564% | 290 |
| Total domestic deposits to total assets | 77.7636% | 6,377 |
| Equity capital to assets | 11.6286% | 2,279 |
| Core capital (leverage) ratio | 11.6722% | 1,814 |
| Tier 1 risk-based capital ratio | 13.1008% | 4,259 |
| Total risk-based capital ratio | 14.3655% | 4,218 |
| Memoranda: | ||
| Average total assets | $161,444,000 | 3,810 |
| Average earning assets | $149,218,000 | 3,770 |
| Average equity | $18,557,000 | 3,387 |
| Average total loans | $144,111,000 | 2,999 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0055% | 282 |
| Cost of funding earning assets | 1.9812% | 3,050 |
| Net interest margin | 5.0243% | 425 |
| Noninterest income to average assets | 0.5103% | 4,330 |
| Noninterest expense to average assets | 2.7057% | 5,364 |
| Loan and lease loss provision to assets | 1.0155% | 2,250 |
| Net operating income to assets | 0.8943% | 2,197 |
| Return on assets (ROA) | 0.8943% | 2,268 |
| Pretax return on assets | 1.4376% | 1,338 |
| Return on Equity (ROE) | 7.8577% | 2,431 |
| Retained earnings to average equity (ytd only) | 5.9783% | 1,355 |
| Net charge-offs to loans | 0.3753% | 4,331 |
| Credit loss provision to net charge-offs | 305.9273% | 1,080 |
| Earnings coverage of net charge-offs (x) | 7.3901% | 2,158 |
| Efficiency ratio | 52.4483% | 7,353 |
| Assets per employee ($millions) | 5.7762% | 1,399 |
| Cash dividends to net income (ytd only)* | 23.9177% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3187% | 1,451 |
| Loan loss allowance to noncurrent loans | 196.2722% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 1.0542% | 4,990 |
| Noncurrent loans to loans | 1.1814% | 4,967 |
| Net loans and leases to total assets | 86.4010% | 255 |
| Net loans and leases to deposits | 120.1425% | 173 |
| Net loans and leases to core deposits | 180.0853% | 163 |
| Total domestic deposits to total assets | 71.9154% | 7,253 |
| Equity capital to assets | 11.3607% | 2,427 |
| Core capital (leverage) ratio | 11.0640% | 2,193 |
| Tier 1 risk-based capital ratio | 13.2123% | 4,007 |
| Total risk-based capital ratio | 14.4762% | 3,941 |
| Memoranda: | ||
| Average total assets | $157,556,800 | 3,816 |
| Average earning assets | $145,771,000 | 3,784 |
| Average equity | $17,931,400 | 3,512 |
| Average total loans | $139,357,800 | 3,099 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0038% | 299 |
| Cost of funding earning assets | 2.0174% | 3,268 |
| Net interest margin | 4.9865% | 458 |
| Noninterest income to average assets | 0.5035% | 4,452 |
| Noninterest expense to average assets | 2.7473% | 5,119 |
| Loan and lease loss provision to assets | 0.3408% | 4,287 |
| Net operating income to assets | 1.1713% | 1,538 |
| Return on assets (ROA) | 1.1713% | 1,593 |
| Pretax return on assets | 2.0394% | 507 |
| Return on Equity (ROE) | 10.2874% | 1,821 |
| Retained earnings to average equity (ytd only) | 7.7661% | 1,214 |
| Net charge-offs to loans | 0.1059% | 5,610 |
| Credit loss provision to net charge-offs | 363.6364% | 1,120 |
| Earnings coverage of net charge-offs (x) | 25.4005% | 1,054 |
| Efficiency ratio | 53.5803% | 7,282 |
| Assets per employee ($millions) | 5.9555% | 1,242 |
| Cash dividends to net income (ytd only)* | 24.5089% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 2,681 |
| Loan loss allowance to noncurrent loans | 101.9750% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 1.7103% | 3,816 |
| Noncurrent loans to loans | 1.6542% | 4,161 |
| Net loans and leases to total assets | 88.4272% | 179 |
| Net loans and leases to deposits | 135.0432% | 85 |
| Net loans and leases to core deposits | 198.5846% | 105 |
| Total domestic deposits to total assets | 65.4807% | 7,712 |
| Equity capital to assets | 11.0193% | 2,989 |
| Core capital (leverage) ratio | 11.2222% | 2,245 |
| Tier 1 risk-based capital ratio | 12.5914% | 4,477 |
| Total risk-based capital ratio | 13.8473% | 4,425 |
| Memoranda: | ||
| Average total assets | $156,512,750 | 3,864 |
| Average earning assets | $145,135,750 | 3,817 |
| Average equity | $17,820,750 | 3,557 |
| Average total loans | $138,433,250 | 3,148 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0064% | 312 |
| Cost of funding earning assets | 2.0685% | 3,430 |
| Net interest margin | 4.9379% | 497 |
| Noninterest income to average assets | 0.5147% | 4,314 |
| Noninterest expense to average assets | 2.8348% | 4,807 |
| Loan and lease loss provision to assets | 0.2874% | 4,277 |
| Net operating income to assets | 1.1235% | 1,687 |
| Return on assets (ROA) | 1.1235% | 1,772 |
| Pretax return on assets | 1.9517% | 631 |
| Return on Equity (ROE) | 9.7528% | 2,109 |
| Retained earnings to average equity (ytd only) | 5.9311% | 2,054 |
| Net charge-offs to loans | 0.1219% | 4,944 |
| Credit loss provision to net charge-offs | 268.2927% | 1,737 |
| Earnings coverage of net charge-offs (x) | 20.9024% | 1,289 |
| Efficiency ratio | 55.8702% | 7,134 |
| Assets per employee ($millions) | 5.6101% | 1,495 |
| Cash dividends to net income (ytd only)* | 39.1860% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6991% | 2,354 |
| Loan loss allowance to noncurrent loans | 173.9576% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 1.1465% | 4,650 |
| Noncurrent loans to loans | 0.9768% | 5,261 |
| Net loans and leases to total assets | 87.5816% | 264 |
| Net loans and leases to deposits | 122.8524% | 191 |
| Net loans and leases to core deposits | 181.4926% | 212 |
| Total domestic deposits to total assets | 71.2902% | 7,327 |
| Equity capital to assets | 11.3584% | 2,629 |
| Core capital (leverage) ratio | 11.4848% | 2,095 |
| Tier 1 risk-based capital ratio | 12.9851% | 4,161 |
| Total risk-based capital ratio | 14.2415% | 4,073 |
| Memoranda: | ||
| Average total assets | $153,099,330 | 3,946 |
| Average earning assets | $141,355,670 | 3,919 |
| Average equity | $17,636,000 | 3,594 |
| Average total loans | $134,582,670 | 3,255 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9109% | 397 |
| Cost of funding earning assets | 2.2267% | 3,030 |
| Net interest margin | 4.6842% | 794 |
| Noninterest income to average assets | 0.4897% | 4,412 |
| Noninterest expense to average assets | 2.8827% | 4,219 |
| Loan and lease loss provision to assets | 0.1853% | 4,586 |
| Net operating income to assets | 0.9927% | 2,342 |
| Return on assets (ROA) | 0.9927% | 2,478 |
| Pretax return on assets | 1.7206% | 1,139 |
| Return on Equity (ROE) | 8.5553% | 2,907 |
| Retained earnings to average equity (ytd only) | 8.5553% | 1,616 |
| Net charge-offs to loans | 0.0819% | 4,349 |
| Credit loss provision to net charge-offs | 259.2593% | 1,819 |
| Earnings coverage of net charge-offs (x) | 26.6667% | 1,173 |
| Efficiency ratio | 60.1990% | 6,375 |
| Assets per employee ($millions) | 5.3883% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7276% | 2,051 |
| Loan loss allowance to noncurrent loans | 771.2838% | 491 |
| Noncurrent assets plus other real estate owned to assets | 1.0360% | 4,620 |
| Noncurrent loans to loans | 0.2240% | 6,893 |
| Net loans and leases to total assets | 86.0750% | 432 |
| Net loans and leases to deposits | 120.7197% | 275 |
| Net loans and leases to core deposits | 166.0822% | 407 |
| Total domestic deposits to total assets | 71.3015% | 7,301 |
| Equity capital to assets | 11.7338% | 2,422 |
| Core capital (leverage) ratio | 11.9566% | 1,919 |
| Tier 1 risk-based capital ratio | 13.5651% | 3,822 |
| Total risk-based capital ratio | 14.8214% | 3,745 |
| Memoranda: | ||
| Average total assets | $151,108,000 | 3,992 |
| Average earning assets | $138,679,500 | 3,981 |
| Average equity | $17,533,000 | 3,631 |
| Average total loans | $131,897,500 | 3,324 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7237% | 268 |
| Cost of funding earning assets | 2.9946% | 1,887 |
| Net interest margin | 4.7291% | 917 |
| Noninterest income to average assets | 0.5315% | 4,386 |
| Noninterest expense to average assets | 2.5631% | 5,782 |
| Loan and lease loss provision to assets | 0.3658% | 3,493 |
| Net operating income to assets | 1.1741% | 1,860 |
| Return on assets (ROA) | 1.1741% | 1,788 |
| Pretax return on assets | 1.9589% | 677 |
| Return on Equity (ROE) | 10.6053% | 2,047 |
| Retained earnings to average equity (ytd only) | 9.3762% | 541 |
| Net charge-offs to loans | 0.2190% | 4,037 |
| Credit loss provision to net charge-offs | 191.1972% | 2,573 |
| Earnings coverage of net charge-offs (x) | 12.1514% | 2,285 |
| Efficiency ratio | 52.4394% | 7,441 |
| Assets per employee ($millions) | 5.4051% | 1,530 |
| Cash dividends to net income (ytd only)* | 11.5892% | 4,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7015% | 1,905 |
| Loan loss allowance to noncurrent loans | 238.8060% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.7090% | 5,102 |
| Noncurrent loans to loans | 0.7125% | 5,258 |
| Net loans and leases to total assets | 85.5065% | 662 |
| Net loans and leases to deposits | 110.6997% | 792 |
| Net loans and leases to core deposits | 167.4135% | 452 |
| Total domestic deposits to total assets | 77.2419% | 5,932 |
| Equity capital to assets | 11.4725% | 2,651 |
| Core capital (leverage) ratio | 11.1783% | 2,444 |
| Tier 1 risk-based capital ratio | 13.2483% | 3,966 |
| Total risk-based capital ratio | 14.5044% | 3,875 |
| Memoranda: | ||
| Average total assets | $148,451,400 | 3,930 |
| Average earning assets | $136,748,200 | 3,917 |
| Average equity | $16,435,200 | 3,837 |
| Average total loans | $129,654,600 | 3,277 |