Home > Bank of Winnfield & Trust Company > Performance and Condition Ratios
Bank of Winnfield & Trust Company, 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 | 3.9797% | 3,996 |
| Cost of funding earning assets | 0.5374% | 4,157 |
| Net interest margin | 3.4423% | 2,316 |
| Noninterest income to average assets | 0.8200% | 901 |
| Noninterest expense to average assets | 2.8679% | 1,339 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.9067% | 2,528 |
| Return on assets (ROA) | 0.9067% | 2,500 |
| Pretax return on assets | 0.9067% | 2,947 |
| Return on Equity (ROE) | 12.6300% | 1,809 |
| Retained earnings to average equity (ytd only) | 6.1138% | 2,204 |
| Net charge-offs to loans | -0.0344% | 4,292 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.1168% | 1,543 |
| Assets per employee ($millions) | 4.7540% | 3,801 |
| Cash dividends to net income (ytd only)* | 51.5954% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 975 |
| Loan loss allowance to noncurrent loans | 666.9355% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 3,038 |
| Noncurrent loans to loans | 0.2297% | 2,402 |
| Net loans and leases to total assets | 32.8800% | 4,236 |
| Net loans and leases to deposits | 36.4021% | 4,266 |
| Net loans and leases to core deposits | 41.5070% | 4,263 |
| Total domestic deposits to total assets | 90.3200% | 671 |
| Equity capital to assets | 8.5339% | 3,026 |
| Core capital (leverage) ratio | 13.1482% | 1,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1904% | 238 |
| Memoranda: | ||
| Average total assets | $162,453,400 | 3,257 |
| Average earning assets | $146,619,000 | 3,278 |
| Average equity | $11,662,200 | 3,562 |
| Average total loans | $52,366,200 | 3,804 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9522% | 3,917 |
| Cost of funding earning assets | 0.4581% | 4,192 |
| Net interest margin | 3.4941% | 2,223 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 2.8886% | 1,249 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.9115% | 2,639 |
| Return on assets (ROA) | 0.9115% | 2,624 |
| Pretax return on assets | 0.9115% | 3,075 |
| Return on Equity (ROE) | 13.3200% | 1,840 |
| Retained earnings to average equity (ytd only) | 7.1521% | 2,233 |
| Net charge-offs to loans | -0.1257% | 4,527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.1728% | 1,431 |
| Assets per employee ($millions) | 4.6506% | 3,851 |
| Cash dividends to net income (ytd only)* | 46.3129% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5072% | 1,092 |
| Loan loss allowance to noncurrent loans | 1,855.8140% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 3,533 |
| Noncurrent loans to loans | 0.0812% | 3,180 |
| Net loans and leases to total assets | 32.9800% | 4,265 |
| Net loans and leases to deposits | 35.9550% | 4,299 |
| Net loans and leases to core deposits | 40.5982% | 4,245 |
| Total domestic deposits to total assets | 91.7300% | 508 |
| Equity capital to assets | 6.3168% | 3,891 |
| Core capital (leverage) ratio | 12.7489% | 1,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4047% | 239 |
| Memoranda: | ||
| Average total assets | $162,657,500 | 3,261 |
| Average earning assets | $146,985,750 | 3,286 |
| Average equity | $11,129,250 | 3,605 |
| Average total loans | $51,964,500 | 3,820 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8615% | 3,933 |
| Cost of funding earning assets | 0.3246% | 4,279 |
| Net interest margin | 3.5369% | 2,184 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 2.8994% | 1,212 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 0.9320% | 2,642 |
| Return on assets (ROA) | 0.9320% | 2,630 |
| Pretax return on assets | 0.9320% | 3,095 |
| Return on Equity (ROE) | 13.2900% | 1,838 |
| Retained earnings to average equity (ytd only) | 7.2113% | 2,223 |
| Net charge-offs to loans | -0.1898% | 4,585 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.8943% | 1,463 |
| Assets per employee ($millions) | 4.7441% | 3,794 |
| Cash dividends to net income (ytd only)* | 45.7516% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 1,382 |
| Loan loss allowance to noncurrent loans | 1,942.1053% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 3,582 |
| Noncurrent loans to loans | 0.0742% | 3,156 |
| Net loans and leases to total assets | 30.3800% | 4,321 |
| Net loans and leases to deposits | 33.3179% | 4,343 |
| Net loans and leases to core deposits | 36.9479% | 4,312 |
| Total domestic deposits to total assets | 91.1900% | 592 |
| Equity capital to assets | 7.0621% | 3,761 |
| Core capital (leverage) ratio | 12.4644% | 1,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1731% | 235 |
| Memoranda: | ||
| Average total assets | $164,170,333 | 3,253 |
| Average earning assets | $148,492,000 | 3,287 |
| Average equity | $11,509,667 | 3,590 |
| Average total loans | $51,637,333 | 3,838 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8397% | 3,779 |
| Cost of funding earning assets | 0.2302% | 4,330 |
| Net interest margin | 3.6095% | 2,105 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 3.0704% | 973 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.8283% | 3,101 |
| Return on assets (ROA) | 0.8283% | 3,058 |
| Pretax return on assets | 0.8283% | 3,401 |
| Return on Equity (ROE) | 11.8600% | 2,251 |
| Retained earnings to average equity (ytd only) | 5.3677% | 2,933 |
| Net charge-offs to loans | -0.4550% | 4,652 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.8934% | 1,176 |
| Assets per employee ($millions) | 4.8713% | 3,751 |
| Cash dividends to net income (ytd only)* | 54.7337% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 1,895 |
| Loan loss allowance to noncurrent loans | 1,764.1026% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 3,558 |
| Noncurrent loans to loans | 0.0754% | 3,198 |
| Net loans and leases to total assets | 30.8200% | 4,353 |
| Net loans and leases to deposits | 33.8269% | 4,382 |
| Net loans and leases to core deposits | 36.4496% | 4,358 |
| Total domestic deposits to total assets | 91.1000% | 768 |
| Equity capital to assets | 7.1910% | 3,736 |
| Core capital (leverage) ratio | 12.3115% | 1,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7487% | 251 |
| Memoranda: | ||
| Average total assets | $163,234,500 | 3,312 |
| Average earning assets | $147,719,500 | 3,337 |
| Average equity | $11,401,500 | 3,632 |
| Average total loans | $51,862,500 | 3,882 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2599% | 3,684 |
| Cost of funding earning assets | 0.1317% | 4,222 |
| Net interest margin | 3.1282% | 3,090 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.7485% | 1,441 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.7592% | 3,460 |
| Return on assets (ROA) | 0.7592% | 3,396 |
| Pretax return on assets | 0.7592% | 3,721 |
| Return on Equity (ROE) | 9.3600% | 3,008 |
| Retained earnings to average equity (ytd only) | 4.2802% | 3,307 |
| Net charge-offs to loans | 0.1416% | 576 |
| Credit loss provision to net charge-offs | 160.0000% | 1,262 |
| Earnings coverage of net charge-offs (x) | 17.8133% | 1,944 |
| Efficiency ratio | 76.7166% | 943 |
| Assets per employee ($millions) | 4.8741% | 3,765 |
| Cash dividends to net income (ytd only)* | 54.2763% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 2,921 |
| Loan loss allowance to noncurrent loans | 114.4869% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 1,621 |
| Noncurrent loans to loans | 0.9558% | 780 |
| Net loans and leases to total assets | 31.9700% | 4,340 |
| Net loans and leases to deposits | 34.9280% | 4,370 |
| Net loans and leases to core deposits | 37.5023% | 4,341 |
| Total domestic deposits to total assets | 91.5400% | 775 |
| Equity capital to assets | 6.7724% | 3,778 |
| Core capital (leverage) ratio | 12.5315% | 1,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5169% | 253 |
| Memoranda: | ||
| Average total assets | $160,159,000 | 3,342 |
| Average earning assets | $145,770,200 | 3,364 |
| Average equity | $12,990,000 | 3,570 |
| Average total loans | $52,974,800 | 3,848 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1399% | 3,580 |
| Cost of funding earning assets | 0.1272% | 4,054 |
| Net interest margin | 3.0128% | 3,189 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.7976% | 1,254 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.5975% | 3,841 |
| Return on assets (ROA) | 0.5975% | 3,802 |
| Pretax return on assets | 0.5975% | 3,996 |
| Return on Equity (ROE) | 7.0700% | 3,577 |
| Retained earnings to average equity (ytd only) | 2.1902% | 3,983 |
| Net charge-offs to loans | 0.1804% | 376 |
| Credit loss provision to net charge-offs | 125.0000% | 1,198 |
| Earnings coverage of net charge-offs (x) | 11.2083% | 1,955 |
| Efficiency ratio | 80.6196% | 732 |
| Assets per employee ($millions) | 4.4694% | 4,078 |
| Cash dividends to net income (ytd only)* | 69.0377% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 3,284 |
| Loan loss allowance to noncurrent loans | 108.6172% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.3190% | 1,665 |
| Noncurrent loans to loans | 0.9607% | 812 |
| Net loans and leases to total assets | 32.8600% | 4,341 |
| Net loans and leases to deposits | 35.5657% | 4,377 |
| Net loans and leases to core deposits | 38.0304% | 4,344 |
| Total domestic deposits to total assets | 92.3800% | 753 |
| Equity capital to assets | 6.1919% | 3,883 |
| Core capital (leverage) ratio | 12.1877% | 1,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8026% | 250 |
| Memoranda: | ||
| Average total assets | $159,987,500 | 3,367 |
| Average earning assets | $145,731,250 | 3,390 |
| Average equity | $13,514,250 | 3,560 |
| Average total loans | $53,219,250 | 3,864 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9452% | 3,686 |
| Cost of funding earning assets | 0.1289% | 3,852 |
| Net interest margin | 2.8163% | 3,395 |
| Noninterest income to average assets | 0.7148% | 1,279 |
| Noninterest expense to average assets | 2.7076% | 1,373 |
| Loan and lease loss provision to assets | 0.0745% | 1,293 |
| Net operating income to assets | 0.5075% | 3,872 |
| Return on assets (ROA) | 0.5075% | 3,827 |
| Pretax return on assets | 0.5075% | 3,984 |
| Return on Equity (ROE) | 5.5306% | 3,696 |
| Retained earnings to average equity (ytd only) | 1.0683% | 3,981 |
| Net charge-offs to loans | -0.0261% | 3,994 |
| Credit loss provision to net charge-offs | -857.1429% | 3,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3086% | 779 |
| Assets per employee ($millions) | 5.1310% | 3,560 |
| Cash dividends to net income (ytd only)* | 80.6846% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,155 |
| Loan loss allowance to noncurrent loans | 45.4266% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 0.8551% | 607 |
| Noncurrent loans to loans | 2.4251% | 241 |
| Net loans and leases to total assets | 32.3136% | 4,391 |
| Net loans and leases to deposits | 35.4250% | 4,410 |
| Net loans and leases to core deposits | 37.7591% | 4,390 |
| Total domestic deposits to total assets | 91.2169% | 1,144 |
| Equity capital to assets | 7.4578% | 3,501 |
| Core capital (leverage) ratio | 11.9899% | 1,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0925% | 247 |
| Memoranda: | ||
| Average total assets | $161,173,333 | 3,401 |
| Average earning assets | $147,358,333 | 3,422 |
| Average equity | $14,790,333 | 3,516 |
| Average total loans | $53,646,000 | 3,900 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8082% | 3,732 |
| Cost of funding earning assets | 0.1371% | 3,670 |
| Net interest margin | 2.6711% | 3,472 |
| Noninterest income to average assets | 0.6539% | 1,476 |
| Noninterest expense to average assets | 2.8435% | 1,074 |
| Loan and lease loss provision to assets | 0.0752% | 1,099 |
| Net operating income to assets | 0.1754% | 4,363 |
| Return on assets (ROA) | 0.1754% | 4,332 |
| Pretax return on assets | 0.1754% | 4,353 |
| Return on Equity (ROE) | 1.7431% | 4,299 |
| Retained earnings to average equity (ytd only) | -2.3657% | 4,275 |
| Net charge-offs to loans | -0.0075% | 3,484 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9028% | 467 |
| Assets per employee ($millions) | 5.1784% | 3,597 |
| Cash dividends to net income (ytd only)* | 235.7143% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 3,607 |
| Loan loss allowance to noncurrent loans | 32.0995% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.1911% | 370 |
| Noncurrent loans to loans | 3.1934% | 156 |
| Net loans and leases to total assets | 33.3821% | 4,325 |
| Net loans and leases to deposits | 37.1826% | 4,350 |
| Net loans and leases to core deposits | 40.5834% | 4,294 |
| Total domestic deposits to total assets | 89.7788% | 1,684 |
| Equity capital to assets | 8.8215% | 2,862 |
| Core capital (leverage) ratio | 12.0027% | 1,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9356% | 241 |
| Memoranda: | ||
| Average total assets | $159,664,500 | 3,423 |
| Average earning assets | $145,859,000 | 3,454 |
| Average equity | $16,063,000 | 3,468 |
| Average total loans | $53,645,500 | 3,907 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0435% | 3,795 |
| Cost of funding earning assets | 0.1512% | 3,963 |
| Net interest margin | 2.8923% | 3,462 |
| Noninterest income to average assets | 0.7505% | 1,595 |
| Noninterest expense to average assets | 2.7611% | 1,452 |
| Loan and lease loss provision to assets | 0.0860% | 1,428 |
| Net operating income to assets | 0.5237% | 4,029 |
| Return on assets (ROA) | 0.5377% | 4,058 |
| Pretax return on assets | 0.5377% | 4,198 |
| Return on Equity (ROE) | 4.5897% | 4,089 |
| Retained earnings to average equity (ytd only) | 0.8374% | 4,302 |
| Net charge-offs to loans | 0.3886% | 217 |
| Credit loss provision to net charge-offs | 62.5000% | 2,053 |
| Earnings coverage of net charge-offs (x) | 4.4306% | 2,493 |
| Efficiency ratio | 81.9127% | 681 |
| Assets per employee ($millions) | 4.8121% | 3,873 |
| Cash dividends to net income (ytd only)* | 81.7536% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9859% | 3,805 |
| Loan loss allowance to noncurrent loans | 41.2598% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.3035% | 353 |
| Noncurrent loans to loans | 2.3896% | 287 |
| Net loans and leases to total assets | 33.1385% | 4,402 |
| Net loans and leases to deposits | 37.9464% | 4,404 |
| Net loans and leases to core deposits | 41.1006% | 4,366 |
| Total domestic deposits to total assets | 87.3300% | 2,372 |
| Equity capital to assets | 11.3130% | 1,595 |
| Core capital (leverage) ratio | 12.2758% | 994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4638% | 252 |
| Memoranda: | ||
| Average total assets | $156,968,000 | 3,423 |
| Average earning assets | $142,205,800 | 3,452 |
| Average equity | $18,389,200 | 3,357 |
| Average total loans | $55,585,000 | 3,900 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1049% | 3,797 |
| Cost of funding earning assets | 0.1552% | 4,064 |
| Net interest margin | 2.9497% | 3,439 |
| Noninterest income to average assets | 0.7403% | 1,697 |
| Noninterest expense to average assets | 2.8257% | 1,282 |
| Loan and lease loss provision to assets | 0.0895% | 1,337 |
| Net operating income to assets | 0.4967% | 4,212 |
| Return on assets (ROA) | 0.5154% | 4,216 |
| Pretax return on assets | 0.5154% | 4,349 |
| Return on Equity (ROE) | 4.3614% | 4,248 |
| Retained earnings to average equity (ytd only) | 0.5767% | 4,484 |
| Net charge-offs to loans | 0.5077% | 153 |
| Credit loss provision to net charge-offs | 49.0654% | 1,866 |
| Earnings coverage of net charge-offs (x) | 3.2150% | 2,321 |
| Efficiency ratio | 82.8215% | 591 |
| Assets per employee ($millions) | 4.7712% | 3,911 |
| Cash dividends to net income (ytd only)* | 86.7769% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 4,120 |
| Loan loss allowance to noncurrent loans | 41.5759% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.2658% | 456 |
| Noncurrent loans to loans | 2.1957% | 378 |
| Net loans and leases to total assets | 34.1931% | 4,458 |
| Net loans and leases to deposits | 39.4009% | 4,474 |
| Net loans and leases to core deposits | 42.6848% | 4,428 |
| Total domestic deposits to total assets | 86.7825% | 2,437 |
| Equity capital to assets | 11.7523% | 1,513 |
| Core capital (leverage) ratio | 12.2304% | 1,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3491% | 269 |
| Memoranda: | ||
| Average total assets | $156,510,000 | 3,460 |
| Average earning assets | $141,752,000 | 3,490 |
| Average equity | $18,495,250 | 3,390 |
| Average total loans | $56,194,250 | 3,940 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2149% | 3,647 |
| Cost of funding earning assets | 0.1604% | 4,119 |
| Net interest margin | 3.0545% | 3,168 |
| Noninterest income to average assets | 0.7427% | 1,686 |
| Noninterest expense to average assets | 2.8631% | 1,226 |
| Loan and lease loss provision to assets | 0.0960% | 1,308 |
| Net operating income to assets | 0.5391% | 4,138 |
| Return on assets (ROA) | 0.5391% | 4,184 |
| Pretax return on assets | 0.5391% | 4,325 |
| Return on Equity (ROE) | 4.5532% | 4,224 |
| Retained earnings to average equity (ytd only) | 0.6597% | 4,402 |
| Net charge-offs to loans | 0.3661% | 233 |
| Credit loss provision to net charge-offs | 72.1154% | 1,515 |
| Earnings coverage of net charge-offs (x) | 4.7692% | 2,019 |
| Efficiency ratio | 81.8448% | 682 |
| Assets per employee ($millions) | 4.5009% | 4,106 |
| Cash dividends to net income (ytd only)* | 85.5107% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0301% | 3,718 |
| Loan loss allowance to noncurrent loans | 84.8306% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.9128% | 845 |
| Noncurrent loans to loans | 1.2143% | 991 |
| Net loans and leases to total assets | 34.1539% | 4,535 |
| Net loans and leases to deposits | 39.1651% | 4,547 |
| Net loans and leases to core deposits | 42.4678% | 4,507 |
| Total domestic deposits to total assets | 87.2052% | 2,216 |
| Equity capital to assets | 11.4155% | 1,685 |
| Core capital (leverage) ratio | 12.2303% | 1,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8302% | 277 |
| Memoranda: | ||
| Average total assets | $156,196,667 | 3,468 |
| Average earning assets | $140,906,333 | 3,503 |
| Average equity | $18,492,333 | 3,384 |
| Average total loans | $56,814,667 | 3,958 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3188% | 3,404 |
| Cost of funding earning assets | 0.1684% | 4,176 |
| Net interest margin | 3.1504% | 2,843 |
| Noninterest income to average assets | 0.7464% | 1,729 |
| Noninterest expense to average assets | 3.0115% | 974 |
| Loan and lease loss provision to assets | 0.1174% | 1,165 |
| Net operating income to assets | 0.4489% | 4,278 |
| Return on assets (ROA) | 0.4489% | 4,312 |
| Pretax return on assets | 0.4489% | 4,423 |
| Return on Equity (ROE) | 3.7209% | 4,339 |
| Retained earnings to average equity (ytd only) | -0.6057% | 4,419 |
| Net charge-offs to loans | 0.6915% | 112 |
| Credit loss provision to net charge-offs | 45.4545% | 1,331 |
| Earnings coverage of net charge-offs (x) | 2.1919% | 1,818 |
| Efficiency ratio | 84.1721% | 589 |
| Assets per employee ($millions) | 4.3540% | 4,235 |
| Cash dividends to net income (ytd only)* | 116.2791% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 3,974 |
| Loan loss allowance to noncurrent loans | 81.0294% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 0.9442% | 892 |
| Noncurrent loans to loans | 1.1935% | 1,104 |
| Net loans and leases to total assets | 35.9963% | 4,502 |
| Net loans and leases to deposits | 41.4280% | 4,516 |
| Net loans and leases to core deposits | 45.9010% | 4,444 |
| Total domestic deposits to total assets | 86.8888% | 2,353 |
| Equity capital to assets | 11.6413% | 1,470 |
| Core capital (leverage) ratio | 12.5251% | 981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2864% | 288 |
| Memoranda: | ||
| Average total assets | $153,278,000 | 3,496 |
| Average earning assets | $137,759,000 | 3,542 |
| Average equity | $18,490,000 | 3,376 |
| Average total loans | $57,263,500 | 3,965 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5022% | 4,032 |
| Cost of funding earning assets | 0.2947% | 4,174 |
| Net interest margin | 3.2075% | 3,336 |
| Noninterest income to average assets | 0.8024% | 1,520 |
| Noninterest expense to average assets | 2.9362% | 1,583 |
| Loan and lease loss provision to assets | 0.1889% | 2,061 |
| Net operating income to assets | 0.5565% | 3,885 |
| Return on assets (ROA) | 0.5565% | 3,985 |
| Pretax return on assets | 0.5565% | 4,168 |
| Return on Equity (ROE) | 4.4009% | 4,059 |
| Retained earnings to average equity (ytd only) | 0.8150% | 4,287 |
| Net charge-offs to loans | 0.0291% | 2,447 |
| Credit loss provision to net charge-offs | 1,617.6471% | 519 |
| Earnings coverage of net charge-offs (x) | 63.8235% | 1,041 |
| Efficiency ratio | 79.7537% | 911 |
| Assets per employee ($millions) | 4.1614% | 4,243 |
| Cash dividends to net income (ytd only)* | 81.4815% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 3,685 |
| Loan loss allowance to noncurrent loans | 77.6637% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.0587% | 885 |
| Noncurrent loans to loans | 1.3535% | 1,003 |
| Net loans and leases to total assets | 38.0136% | 4,518 |
| Net loans and leases to deposits | 44.2061% | 4,523 |
| Net loans and leases to core deposits | 48.8564% | 4,460 |
| Total domestic deposits to total assets | 85.9918% | 2,373 |
| Equity capital to assets | 12.5043% | 1,321 |
| Core capital (leverage) ratio | 12.9537% | 908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4483% | 278 |
| Memoranda: | ||
| Average total assets | $145,560,200 | 3,450 |
| Average earning assets | $130,661,400 | 3,493 |
| Average equity | $18,405,200 | 3,331 |
| Average total loans | $58,487,600 | 3,947 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5995% | 4,010 |
| Cost of funding earning assets | 0.3283% | 4,170 |
| Net interest margin | 3.2711% | 3,274 |
| Noninterest income to average assets | 0.7806% | 1,575 |
| Noninterest expense to average assets | 2.8927% | 1,720 |
| Loan and lease loss provision to assets | 0.0644% | 3,533 |
| Net operating income to assets | 0.7649% | 3,225 |
| Return on assets (ROA) | 0.7649% | 3,342 |
| Pretax return on assets | 0.7649% | 3,744 |
| Return on Equity (ROE) | 6.0323% | 3,542 |
| Retained earnings to average equity (ytd only) | 2.4304% | 3,771 |
| Net charge-offs to loans | -0.0068% | 4,134 |
| Credit loss provision to net charge-offs | -2,333.3333% | 4,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7144% | 1,062 |
| Assets per employee ($millions) | 4.1274% | 4,216 |
| Cash dividends to net income (ytd only)* | 59.7105% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7123% | 4,559 |
| Loan loss allowance to noncurrent loans | 50.2392% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.1058% | 944 |
| Noncurrent loans to loans | 1.4178% | 1,019 |
| Net loans and leases to total assets | 39.4024% | 4,582 |
| Net loans and leases to deposits | 46.0456% | 4,605 |
| Net loans and leases to core deposits | 50.7410% | 4,559 |
| Total domestic deposits to total assets | 85.5726% | 2,228 |
| Equity capital to assets | 12.9502% | 1,205 |
| Core capital (leverage) ratio | 13.0980% | 923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2511% | 301 |
| Memoranda: | ||
| Average total assets | $144,497,250 | 3,452 |
| Average earning assets | $129,942,250 | 3,499 |
| Average equity | $18,323,250 | 3,339 |
| Average total loans | $58,721,000 | 3,964 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7156% | 4,053 |
| Cost of funding earning assets | 0.3776% | 4,135 |
| Net interest margin | 3.3379% | 3,277 |
| Noninterest income to average assets | 0.7755% | 1,501 |
| Noninterest expense to average assets | 2.9469% | 1,725 |
| Loan and lease loss provision to assets | 0.0559% | 3,601 |
| Net operating income to assets | 0.7741% | 3,141 |
| Return on assets (ROA) | 0.7741% | 3,254 |
| Pretax return on assets | 0.7741% | 3,661 |
| Return on Equity (ROE) | 6.1497% | 3,457 |
| Retained earnings to average equity (ytd only) | 2.4865% | 3,584 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0244% | 1,055 |
| Assets per employee ($millions) | 4.2124% | 4,092 |
| Cash dividends to net income (ytd only)* | 59.5668% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6473% | 4,671 |
| Loan loss allowance to noncurrent loans | 36.6038% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.2312% | 879 |
| Noncurrent loans to loans | 1.7684% | 798 |
| Net loans and leases to total assets | 39.2717% | 4,636 |
| Net loans and leases to deposits | 45.6052% | 4,661 |
| Net loans and leases to core deposits | 50.5543% | 4,610 |
| Total domestic deposits to total assets | 86.1124% | 1,959 |
| Equity capital to assets | 12.4909% | 1,380 |
| Core capital (leverage) ratio | 13.0421% | 987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8234% | 313 |
| Memoranda: | ||
| Average total assets | $143,134,667 | 3,451 |
| Average earning assets | $128,702,000 | 3,488 |
| Average equity | $18,017,000 | 3,360 |
| Average total loans | $58,639,333 | 3,968 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6921% | 4,410 |
| Cost of funding earning assets | 0.4306% | 4,233 |
| Net interest margin | 3.2615% | 3,688 |
| Noninterest income to average assets | 0.8353% | 1,207 |
| Noninterest expense to average assets | 3.1970% | 1,431 |
| Loan and lease loss provision to assets | 0.0288% | 3,427 |
| Net operating income to assets | 0.5328% | 3,796 |
| Return on assets (ROA) | 0.5328% | 3,860 |
| Pretax return on assets | 0.5328% | 4,065 |
| Return on Equity (ROE) | 4.2154% | 3,897 |
| Retained earnings to average equity (ytd only) | 0.4557% | 3,891 |
| Net charge-offs to loans | 0.0138% | 2,108 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 97.5000% | 589 |
| Efficiency ratio | 85.0575% | 764 |
| Assets per employee ($millions) | 3.7908% | 4,180 |
| Cash dividends to net income (ytd only)* | 89.1892% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6073% | 4,743 |
| Loan loss allowance to noncurrent loans | 32.4497% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.3553% | 848 |
| Noncurrent loans to loans | 1.8715% | 787 |
| Net loans and leases to total assets | 41.4228% | 4,614 |
| Net loans and leases to deposits | 48.2210% | 4,652 |
| Net loans and leases to core deposits | 53.2105% | 4,596 |
| Total domestic deposits to total assets | 85.9020% | 2,035 |
| Equity capital to assets | 12.4960% | 1,734 |
| Core capital (leverage) ratio | 13.6363% | 1,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5739% | 314 |
| Memoranda: | ||
| Average total assets | $138,879,000 | 3,467 |
| Average earning assets | $124,481,000 | 3,516 |
| Average equity | $17,554,500 | 3,414 |
| Average total loans | $57,988,000 | 3,989 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8356% | 4,520 |
| Cost of funding earning assets | 0.4916% | 4,130 |
| Net interest margin | 3.3440% | 3,886 |
| Noninterest income to average assets | 0.8868% | 1,202 |
| Noninterest expense to average assets | 3.0464% | 1,893 |
| Loan and lease loss provision to assets | 0.2894% | 588 |
| Net operating income to assets | 0.5329% | 4,327 |
| Return on assets (ROA) | 0.6196% | 4,165 |
| Pretax return on assets | 0.6196% | 4,379 |
| Return on Equity (ROE) | 5.0787% | 4,186 |
| Retained earnings to average equity (ytd only) | 0.9688% | 4,389 |
| Net charge-offs to loans | 1.3192% | 112 |
| Credit loss provision to net charge-offs | 51.0101% | 3,119 |
| Earnings coverage of net charge-offs (x) | 1.4495% | 3,540 |
| Efficiency ratio | 78.7447% | 1,058 |
| Assets per employee ($millions) | 3.7161% | 4,254 |
| Cash dividends to net income (ytd only)* | 80.9249% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6033% | 4,734 |
| Loan loss allowance to noncurrent loans | 30.4653% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 1.4226% | 734 |
| Noncurrent loans to loans | 1.9801% | 649 |
| Net loans and leases to total assets | 41.5820% | 4,687 |
| Net loans and leases to deposits | 48.5608% | 4,726 |
| Net loans and leases to core deposits | 54.6759% | 4,631 |
| Total domestic deposits to total assets | 85.6288% | 2,226 |
| Equity capital to assets | 12.7872% | 1,651 |
| Core capital (leverage) ratio | 13.8561% | 965 |
| Tier 1 risk-based capital ratio | 28.1647% | 549 |
| Total risk-based capital ratio | 28.6740% | 580 |
| Memoranda: | ||
| Average total assets | $139,607,800 | 3,442 |
| Average earning assets | $124,490,000 | 3,500 |
| Average equity | $17,031,800 | 3,431 |
| Average total loans | $60,035,200 | 3,981 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8653% | 4,583 |
| Cost of funding earning assets | 0.4888% | 4,186 |
| Net interest margin | 3.3765% | 3,925 |
| Noninterest income to average assets | 0.8829% | 1,178 |
| Noninterest expense to average assets | 3.0103% | 1,949 |
| Loan and lease loss provision to assets | 0.3654% | 360 |
| Net operating income to assets | 0.5176% | 4,475 |
| Return on assets (ROA) | 0.5480% | 4,463 |
| Pretax return on assets | 0.5480% | 4,627 |
| Return on Equity (ROE) | 4.5458% | 4,468 |
| Retained earnings to average equity (ytd only) | 0.3236% | 4,701 |
| Net charge-offs to loans | 1.6572% | 75 |
| Credit loss provision to net charge-offs | 50.9284% | 2,784 |
| Earnings coverage of net charge-offs (x) | 1.2308% | 3,319 |
| Efficiency ratio | 77.3216% | 1,175 |
| Assets per employee ($millions) | 3.7196% | 4,255 |
| Cash dividends to net income (ytd only)* | 92.8826% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6102% | 4,798 |
| Loan loss allowance to noncurrent loans | 17.4391% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 2.1581% | 379 |
| Noncurrent loans to loans | 3.4991% | 231 |
| Net loans and leases to total assets | 43.1974% | 4,717 |
| Net loans and leases to deposits | 50.6104% | 4,760 |
| Net loans and leases to core deposits | 55.9545% | 4,685 |
| Total domestic deposits to total assets | 85.3528% | 2,271 |
| Equity capital to assets | 12.7078% | 1,782 |
| Core capital (leverage) ratio | 13.7509% | 1,060 |
| Tier 1 risk-based capital ratio | 26.8391% | 657 |
| Total risk-based capital ratio | 27.3528% | 689 |
| Memoranda: | ||
| Average total assets | $140,135,500 | 3,470 |
| Average earning assets | $124,937,750 | 3,530 |
| Average equity | $16,894,250 | 3,470 |
| Average total loans | $60,663,750 | 4,013 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8298% | 4,674 |
| Cost of funding earning assets | 0.4610% | 4,280 |
| Net interest margin | 3.3688% | 3,992 |
| Noninterest income to average assets | 0.8853% | 1,107 |
| Noninterest expense to average assets | 3.0375% | 1,896 |
| Loan and lease loss provision to assets | 0.5022% | 231 |
| Net operating income to assets | 0.3419% | 4,815 |
| Return on assets (ROA) | 0.3419% | 4,829 |
| Pretax return on assets | 0.3419% | 4,898 |
| Return on Equity (ROE) | 2.8869% | 4,809 |
| Retained earnings to average equity (ytd only) | -1.2458% | 4,852 |
| Net charge-offs to loans | 2.4546% | 41 |
| Credit loss provision to net charge-offs | 47.3262% | 2,489 |
| Earnings coverage of net charge-offs (x) | 0.7955% | 3,074 |
| Efficiency ratio | 78.2529% | 1,118 |
| Assets per employee ($millions) | 3.8924% | 4,008 |
| Cash dividends to net income (ytd only)* | 143.1535% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5679% | 4,925 |
| Loan loss allowance to noncurrent loans | 15.7699% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 2.1645% | 395 |
| Noncurrent loans to loans | 3.6010% | 226 |
| Net loans and leases to total assets | 42.4853% | 4,766 |
| Net loans and leases to deposits | 49.4456% | 4,822 |
| Net loans and leases to core deposits | 52.3726% | 4,812 |
| Total domestic deposits to total assets | 85.9234% | 2,075 |
| Equity capital to assets | 12.2590% | 2,014 |
| Core capital (leverage) ratio | 13.4045% | 1,151 |
| Tier 1 risk-based capital ratio | 26.1423% | 678 |
| Total risk-based capital ratio | 26.6120% | 709 |
| Memoranda: | ||
| Average total assets | $140,972,670 | 3,483 |
| Average earning assets | $125,384,670 | 3,543 |
| Average equity | $16,696,000 | 3,496 |
| Average total loans | $60,946,670 | 4,029 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7798% | 4,733 |
| Cost of funding earning assets | 0.4161% | 4,418 |
| Net interest margin | 3.3637% | 3,997 |
| Noninterest income to average assets | 0.8826% | 1,077 |
| Noninterest expense to average assets | 3.0751% | 1,792 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8034% | 3,606 |
| Return on assets (ROA) | 0.8034% | 3,650 |
| Pretax return on assets | 0.8034% | 4,031 |
| Return on Equity (ROE) | 6.9037% | 3,712 |
| Retained earnings to average equity (ytd only) | 3.0143% | 3,729 |
| Net charge-offs to loans | 0.1106% | 1,074 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 16.7059% | 1,688 |
| Efficiency ratio | 79.2852% | 1,123 |
| Assets per employee ($millions) | 3.8848% | 4,086 |
| Cash dividends to net income (ytd only)* | 56.3380% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 2,846 |
| Loan loss allowance to noncurrent loans | 23.1365% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 2.7167% | 259 |
| Noncurrent loans to loans | 4.9739% | 113 |
| Net loans and leases to total assets | 42.8474% | 4,796 |
| Net loans and leases to deposits | 49.5447% | 4,831 |
| Net loans and leases to core deposits | 55.4258% | 4,737 |
| Total domestic deposits to total assets | 86.4823% | 2,079 |
| Equity capital to assets | 11.7213% | 2,215 |
| Core capital (leverage) ratio | 13.4367% | 1,105 |
| Tier 1 risk-based capital ratio | 25.5088% | 725 |
| Total risk-based capital ratio | 26.4639% | 727 |
| Memoranda: | ||
| Average total assets | $141,396,000 | 3,514 |
| Average earning assets | $125,931,500 | 3,574 |
| Average equity | $16,455,000 | 3,538 |
| Average total loans | $61,483,500 | 4,060 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8240% | 4,436 |
| Cost of funding earning assets | 0.2131% | 4,953 |
| Net interest margin | 3.6109% | 3,346 |
| Noninterest income to average assets | 0.8840% | 1,217 |
| Noninterest expense to average assets | 3.0100% | 2,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0811% | 2,673 |
| Return on assets (ROA) | 1.0811% | 2,669 |
| Pretax return on assets | 1.0811% | 3,342 |
| Return on Equity (ROE) | 9.4790% | 2,755 |
| Retained earnings to average equity (ytd only) | 4.4132% | 3,108 |
| Net charge-offs to loans | -0.1948% | 5,263 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5748% | 1,689 |
| Assets per employee ($millions) | 3.8626% | 4,088 |
| Cash dividends to net income (ytd only)* | 53.4426% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 2,517 |
| Loan loss allowance to noncurrent loans | 23.6393% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 2.8126% | 242 |
| Noncurrent loans to loans | 5.1185% | 104 |
| Net loans and leases to total assets | 43.0969% | 4,842 |
| Net loans and leases to deposits | 49.7291% | 4,889 |
| Net loans and leases to core deposits | 55.3669% | 4,801 |
| Total domestic deposits to total assets | 86.6635% | 1,937 |
| Equity capital to assets | 11.5509% | 2,221 |
| Core capital (leverage) ratio | 13.7887% | 984 |
| Tier 1 risk-based capital ratio | 25.9699% | 665 |
| Total risk-based capital ratio | 26.9718% | 674 |
| Memoranda: | ||
| Average total assets | $141,061,800 | 3,490 |
| Average earning assets | $125,286,400 | 3,569 |
| Average equity | $16,088,200 | 3,502 |
| Average total loans | $60,075,600 | 4,088 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8312% | 4,368 |
| Cost of funding earning assets | 0.1647% | 5,170 |
| Net interest margin | 3.6666% | 3,137 |
| Noninterest income to average assets | 0.8571% | 1,313 |
| Noninterest expense to average assets | 2.9922% | 2,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1151% | 2,602 |
| Return on assets (ROA) | 1.1151% | 2,615 |
| Pretax return on assets | 1.1151% | 3,334 |
| Return on Equity (ROE) | 9.8084% | 2,706 |
| Retained earnings to average equity (ytd only) | 5.7491% | 2,793 |
| Net charge-offs to loans | -0.2892% | 5,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8503% | 1,757 |
| Assets per employee ($millions) | 3.8294% | 4,138 |
| Cash dividends to net income (ytd only)* | 41.3853% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 2,411 |
| Loan loss allowance to noncurrent loans | 26.7838% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 2.6759% | 306 |
| Noncurrent loans to loans | 4.6269% | 157 |
| Net loans and leases to total assets | 43.1825% | 4,910 |
| Net loans and leases to deposits | 49.8819% | 4,954 |
| Net loans and leases to core deposits | 53.9059% | 4,914 |
| Total domestic deposits to total assets | 86.5696% | 1,936 |
| Equity capital to assets | 11.7874% | 2,043 |
| Core capital (leverage) ratio | 13.5261% | 1,094 |
| Tier 1 risk-based capital ratio | 26.2442% | 662 |
| Total risk-based capital ratio | 27.2755% | 667 |
| Memoranda: | ||
| Average total assets | $141,563,750 | 3,522 |
| Average earning assets | $125,491,500 | 3,603 |
| Average equity | $16,094,750 | 3,535 |
| Average total loans | $59,929,000 | 4,137 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6255% | 4,725 |
| Cost of funding earning assets | 0.1583% | 5,207 |
| Net interest margin | 3.4672% | 3,743 |
| Noninterest income to average assets | 0.8515% | 1,315 |
| Noninterest expense to average assets | 2.9566% | 2,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9622% | 3,186 |
| Return on assets (ROA) | 0.9622% | 3,189 |
| Pretax return on assets | 0.9622% | 3,768 |
| Return on Equity (ROE) | 8.5645% | 3,222 |
| Retained earnings to average equity (ytd only) | 4.4505% | 3,373 |
| Net charge-offs to loans | 0.0502% | 1,886 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 45.8000% | 1,196 |
| Efficiency ratio | 75.4467% | 1,500 |
| Assets per employee ($millions) | 3.9639% | 3,958 |
| Cash dividends to net income (ytd only)* | 48.0349% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 3,779 |
| Loan loss allowance to noncurrent loans | 20.8377% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 2.8921% | 268 |
| Noncurrent loans to loans | 4.8411% | 145 |
| Net loans and leases to total assets | 41.3977% | 5,008 |
| Net loans and leases to deposits | 47.4605% | 5,045 |
| Net loans and leases to core deposits | 52.5008% | 4,977 |
| Total domestic deposits to total assets | 87.2257% | 1,748 |
| Equity capital to assets | 11.2592% | 2,396 |
| Core capital (leverage) ratio | 13.0750% | 1,194 |
| Tier 1 risk-based capital ratio | 25.4939% | 699 |
| Total risk-based capital ratio | 26.3159% | 717 |
| Memoranda: | ||
| Average total assets | $142,798,670 | 3,532 |
| Average earning assets | $126,328,000 | 3,616 |
| Average equity | $16,043,000 | 3,560 |
| Average total loans | $59,812,670 | 4,165 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5910% | 4,723 |
| Cost of funding earning assets | 0.1554% | 5,242 |
| Net interest margin | 3.4355% | 3,759 |
| Noninterest income to average assets | 0.8485% | 1,307 |
| Noninterest expense to average assets | 3.0354% | 1,982 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8457% | 3,523 |
| Return on assets (ROA) | 0.8457% | 3,538 |
| Pretax return on assets | 0.8457% | 4,029 |
| Return on Equity (ROE) | 7.5354% | 3,573 |
| Retained earnings to average equity (ytd only) | 3.4184% | 3,841 |
| Net charge-offs to loans | 0.0401% | 1,730 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 50.3333% | 942 |
| Efficiency ratio | 78.2107% | 1,334 |
| Assets per employee ($millions) | 3.9599% | 4,046 |
| Cash dividends to net income (ytd only)* | 54.6358% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 3,816 |
| Loan loss allowance to noncurrent loans | 23.1527% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 2.7267% | 319 |
| Noncurrent loans to loans | 4.4270% | 199 |
| Net loans and leases to total assets | 41.3875% | 5,005 |
| Net loans and leases to deposits | 47.3759% | 5,061 |
| Net loans and leases to core deposits | 51.3848% | 5,000 |
| Total domestic deposits to total assets | 87.3600% | 1,976 |
| Equity capital to assets | 11.1094% | 2,475 |
| Core capital (leverage) ratio | 12.8532% | 1,230 |
| Tier 1 risk-based capital ratio | 24.7931% | 764 |
| Total risk-based capital ratio | 25.6140% | 785 |
| Memoranda: | ||
| Average total assets | $142,847,500 | 3,562 |
| Average earning assets | $126,094,500 | 3,644 |
| Average equity | $16,031,000 | 3,589 |
| Average total loans | $59,880,500 | 4,203 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5816% | 4,606 |
| Cost of funding earning assets | 0.1597% | 5,210 |
| Net interest margin | 3.4219% | 3,782 |
| Noninterest income to average assets | 0.8142% | 1,513 |
| Noninterest expense to average assets | 2.8155% | 2,723 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0344% | 2,110 |
| Return on assets (ROA) | 1.0344% | 2,140 |
| Pretax return on assets | 1.0344% | 3,438 |
| Return on Equity (ROE) | 9.4068% | 2,136 |
| Retained earnings to average equity (ytd only) | 4.8582% | 2,215 |
| Net charge-offs to loans | 0.0760% | 2,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 32.3696% | 1,467 |
| Efficiency ratio | 73.1324% | 2,041 |
| Assets per employee ($millions) | 3.8686% | 4,165 |
| Cash dividends to net income (ytd only)* | 48.3546% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 3,767 |
| Loan loss allowance to noncurrent loans | 30.1711% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 2.2279% | 457 |
| Noncurrent loans to loans | 3.3998% | 304 |
| Net loans and leases to total assets | 41.5908% | 5,076 |
| Net loans and leases to deposits | 47.6993% | 5,134 |
| Net loans and leases to core deposits | 51.3791% | 5,088 |
| Total domestic deposits to total assets | 87.1937% | 1,902 |
| Equity capital to assets | 11.3351% | 2,339 |
| Core capital (leverage) ratio | 12.9126% | 1,174 |
| Tier 1 risk-based capital ratio | 25.2203% | 710 |
| Total risk-based capital ratio | 26.0700% | 721 |
| Memoranda: | ||
| Average total assets | $143,953,600 | 3,551 |
| Average earning assets | $127,707,000 | 3,615 |
| Average equity | $15,829,000 | 3,621 |
| Average total loans | $60,486,800 | 4,191 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5254% | 4,755 |
| Cost of funding earning assets | 0.1595% | 5,254 |
| Net interest margin | 3.3659% | 3,968 |
| Noninterest income to average assets | 0.8074% | 1,557 |
| Noninterest expense to average assets | 2.8172% | 2,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9961% | 2,571 |
| Return on assets (ROA) | 0.9952% | 2,627 |
| Pretax return on assets | 0.9952% | 3,706 |
| Return on Equity (ROE) | 9.1203% | 2,537 |
| Retained earnings to average equity (ytd only) | 5.0518% | 2,856 |
| Net charge-offs to loans | 0.0771% | 2,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 30.7684% | 1,531 |
| Efficiency ratio | 73.8782% | 1,916 |
| Assets per employee ($millions) | 4.0277% | 3,943 |
| Cash dividends to net income (ytd only)* | 44.6094% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 3,836 |
| Loan loss allowance to noncurrent loans | 30.9207% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 2.2111% | 544 |
| Noncurrent loans to loans | 3.3672% | 335 |
| Net loans and leases to total assets | 41.1654% | 5,152 |
| Net loans and leases to deposits | 47.1790% | 5,218 |
| Net loans and leases to core deposits | 51.8170% | 5,143 |
| Total domestic deposits to total assets | 87.2536% | 1,751 |
| Equity capital to assets | 11.1974% | 2,674 |
| Core capital (leverage) ratio | 12.7156% | 1,326 |
| Tier 1 risk-based capital ratio | 24.9347% | 760 |
| Total risk-based capital ratio | 25.7978% | 781 |
| Memoranda: | ||
| Average total assets | $144,157,000 | 3,578 |
| Average earning assets | $128,737,750 | 3,636 |
| Average equity | $15,730,000 | 3,666 |
| Average total loans | $60,571,000 | 4,227 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4994% | 4,767 |
| Cost of funding earning assets | 0.1601% | 5,273 |
| Net interest margin | 3.3393% | 3,986 |
| Noninterest income to average assets | 0.8049% | 1,553 |
| Noninterest expense to average assets | 2.8094% | 2,726 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9828% | 2,517 |
| Return on assets (ROA) | 0.9814% | 2,568 |
| Pretax return on assets | 0.9814% | 3,633 |
| Return on Equity (ROE) | 9.0738% | 2,472 |
| Retained earnings to average equity (ytd only) | 4.9610% | 2,736 |
| Net charge-offs to loans | 0.0495% | 2,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 47.1333% | 1,128 |
| Efficiency ratio | 74.0836% | 2,001 |
| Assets per employee ($millions) | 3.9111% | 4,114 |
| Cash dividends to net income (ytd only)* | 45.3258% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 3,762 |
| Loan loss allowance to noncurrent loans | 27.5627% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 2.4055% | 469 |
| Noncurrent loans to loans | 3.8601% | 262 |
| Net loans and leases to total assets | 41.6393% | 5,163 |
| Net loans and leases to deposits | 47.6058% | 5,224 |
| Net loans and leases to core deposits | 52.4581% | 5,133 |
| Total domestic deposits to total assets | 87.4668% | 1,739 |
| Equity capital to assets | 11.0399% | 2,763 |
| Core capital (leverage) ratio | 12.4276% | 1,401 |
| Tier 1 risk-based capital ratio | 24.3522% | 819 |
| Total risk-based capital ratio | 25.2322% | 831 |
| Memoranda: | ||
| Average total assets | $143,876,670 | 3,598 |
| Average earning assets | $128,708,000 | 3,661 |
| Average equity | $15,561,330 | 3,694 |
| Average total loans | $60,655,670 | 4,250 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4112% | 4,906 |
| Cost of funding earning assets | 0.1586% | 5,313 |
| Net interest margin | 3.2527% | 4,165 |
| Noninterest income to average assets | 0.7723% | 1,655 |
| Noninterest expense to average assets | 2.9305% | 2,363 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7584% | 3,436 |
| Return on assets (ROA) | 0.7612% | 3,475 |
| Pretax return on assets | 0.7612% | 4,241 |
| Return on Equity (ROE) | 7.1122% | 3,357 |
| Retained earnings to average equity (ytd only) | 2.9439% | 3,941 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4407% | 1,435 |
| Assets per employee ($millions) | 4.0515% | 3,924 |
| Cash dividends to net income (ytd only)* | 58.6081% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 3,763 |
| Loan loss allowance to noncurrent loans | 29.8918% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 2.2714% | 540 |
| Noncurrent loans to loans | 3.6482% | 318 |
| Net loans and leases to total assets | 41.2286% | 5,197 |
| Net loans and leases to deposits | 46.9273% | 5,264 |
| Net loans and leases to core deposits | 52.1992% | 5,135 |
| Total domestic deposits to total assets | 87.8564% | 1,796 |
| Equity capital to assets | 10.6373% | 3,028 |
| Core capital (leverage) ratio | 12.2101% | 1,502 |
| Tier 1 risk-based capital ratio | 24.1260% | 853 |
| Total risk-based capital ratio | 25.0318% | 871 |
| Memoranda: | ||
| Average total assets | $143,459,000 | 3,638 |
| Average earning assets | $128,633,500 | 3,692 |
| Average equity | $15,354,000 | 3,740 |
| Average total loans | $60,531,000 | 4,286 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4390% | 4,905 |
| Cost of funding earning assets | 0.1620% | 5,345 |
| Net interest margin | 3.2771% | 4,214 |
| Noninterest income to average assets | 0.7832% | 1,814 |
| Noninterest expense to average assets | 2.8433% | 2,865 |
| Loan and lease loss provision to assets | 0.0007% | 4,328 |
| Net operating income to assets | 0.8878% | 2,888 |
| Return on assets (ROA) | 0.8899% | 2,994 |
| Pretax return on assets | 0.8899% | 3,882 |
| Return on Equity (ROE) | 8.3016% | 2,780 |
| Retained earnings to average equity (ytd only) | 4.0727% | 3,019 |
| Net charge-offs to loans | 0.0268% | 3,496 |
| Credit loss provision to net charge-offs | 6.2500% | 3,760 |
| Earnings coverage of net charge-offs (x) | 79.6250% | 716 |
| Efficiency ratio | 76.1914% | 1,953 |
| Assets per employee ($millions) | 3.9184% | 4,120 |
| Cash dividends to net income (ytd only)* | 50.9404% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 3,716 |
| Loan loss allowance to noncurrent loans | 31.4815% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 2.2692% | 559 |
| Noncurrent loans to loans | 3.4946% | 344 |
| Net loans and leases to total assets | 42.2520% | 5,222 |
| Net loans and leases to deposits | 48.1547% | 5,290 |
| Net loans and leases to core deposits | 52.8298% | 5,183 |
| Total domestic deposits to total assets | 87.7424% | 1,771 |
| Equity capital to assets | 10.7704% | 2,847 |
| Core capital (leverage) ratio | 12.3032% | 1,431 |
| Tier 1 risk-based capital ratio | 23.9861% | 868 |
| Total risk-based capital ratio | 24.8924% | 888 |
| Memoranda: | ||
| Average total assets | $143,388,200 | 3,616 |
| Average earning assets | $129,018,200 | 3,669 |
| Average equity | $15,370,600 | 3,768 |
| Average total loans | $59,593,400 | 4,311 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4298% | 4,957 |
| Cost of funding earning assets | 0.1644% | 5,390 |
| Net interest margin | 3.2654% | 4,292 |
| Noninterest income to average assets | 0.7705% | 1,879 |
| Noninterest expense to average assets | 2.8116% | 2,964 |
| Loan and lease loss provision to assets | 0.0009% | 4,182 |
| Net operating income to assets | 0.9011% | 2,898 |
| Return on assets (ROA) | 0.9039% | 3,027 |
| Pretax return on assets | 0.9039% | 3,965 |
| Return on Equity (ROE) | 8.4418% | 2,787 |
| Retained earnings to average equity (ytd only) | 4.2036% | 3,333 |
| Net charge-offs to loans | 0.0067% | 3,679 |
| Credit loss provision to net charge-offs | 33.3333% | 3,198 |
| Earnings coverage of net charge-offs (x) | 324.6575% | 260 |
| Efficiency ratio | 75.7107% | 2,018 |
| Assets per employee ($millions) | 4.1111% | 3,767 |
| Cash dividends to net income (ytd only)* | 50.2052% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 3,590 |
| Loan loss allowance to noncurrent loans | 35.5789% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 2.0815% | 738 |
| Noncurrent loans to loans | 3.2132% | 446 |
| Net loans and leases to total assets | 40.6256% | 5,349 |
| Net loans and leases to deposits | 46.4821% | 5,441 |
| Net loans and leases to core deposits | 50.3731% | 5,370 |
| Total domestic deposits to total assets | 87.4005% | 1,713 |
| Equity capital to assets | 11.0385% | 2,965 |
| Core capital (leverage) ratio | 12.0361% | 1,653 |
| Tier 1 risk-based capital ratio | 24.2339% | 884 |
| Total risk-based capital ratio | 25.1751% | 892 |
| Memoranda: | ||
| Average total assets | $143,969,500 | 3,622 |
| Average earning assets | $129,762,750 | 3,674 |
| Average equity | $15,415,000 | 3,794 |
| Average total loans | $59,425,500 | 4,352 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3942% | 5,091 |
| Cost of funding earning assets | 0.1656% | 5,451 |
| Net interest margin | 3.2286% | 4,449 |
| Noninterest income to average assets | 0.7528% | 1,918 |
| Noninterest expense to average assets | 2.8973% | 2,682 |
| Loan and lease loss provision to assets | 0.0014% | 4,004 |
| Net operating income to assets | 0.7778% | 3,412 |
| Return on assets (ROA) | 0.7820% | 3,536 |
| Pretax return on assets | 0.7820% | 4,343 |
| Return on Equity (ROE) | 7.3793% | 3,329 |
| Retained earnings to average equity (ytd only) | 3.0539% | 3,971 |
| Net charge-offs to loans | 0.0034% | 3,588 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 561.0000% | 115 |
| Efficiency ratio | 78.8062% | 1,675 |
| Assets per employee ($millions) | 4.0984% | 3,739 |
| Cash dividends to net income (ytd only)* | 58.6146% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 3,694 |
| Loan loss allowance to noncurrent loans | 36.8679% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 1.9886% | 829 |
| Noncurrent loans to loans | 3.1035% | 469 |
| Net loans and leases to total assets | 39.7022% | 5,435 |
| Net loans and leases to deposits | 45.1356% | 5,526 |
| Net loans and leases to core deposits | 49.8630% | 5,440 |
| Total domestic deposits to total assets | 87.9620% | 1,453 |
| Equity capital to assets | 10.5571% | 3,573 |
| Core capital (leverage) ratio | 11.7041% | 1,846 |
| Tier 1 risk-based capital ratio | 23.8064% | 922 |
| Total risk-based capital ratio | 24.7474% | 938 |
| Memoranda: | ||
| Average total assets | $143,997,000 | 3,644 |
| Average earning assets | $130,397,670 | 3,684 |
| Average equity | $15,259,000 | 3,829 |
| Average total loans | $59,523,670 | 4,367 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3983% | 5,135 |
| Cost of funding earning assets | 0.1708% | 5,461 |
| Net interest margin | 3.2275% | 4,481 |
| Noninterest income to average assets | 0.7565% | 1,791 |
| Noninterest expense to average assets | 2.7815% | 3,140 |
| Loan and lease loss provision to assets | 0.0028% | 3,634 |
| Net operating income to assets | 0.8944% | 2,785 |
| Return on assets (ROA) | 0.8944% | 2,911 |
| Pretax return on assets | 0.8944% | 3,865 |
| Return on Equity (ROE) | 8.4236% | 2,696 |
| Retained earnings to average equity (ytd only) | 4.1853% | 3,390 |
| Net charge-offs to loans | 0.0201% | 2,534 |
| Credit loss provision to net charge-offs | 33.3333% | 2,194 |
| Earnings coverage of net charge-offs (x) | 106.3333% | 519 |
| Efficiency ratio | 75.6116% | 2,228 |
| Assets per employee ($millions) | 4.1010% | 3,766 |
| Cash dividends to net income (ytd only)* | 50.3145% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 3,832 |
| Loan loss allowance to noncurrent loans | 32.4688% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 2.3179% | 675 |
| Noncurrent loans to loans | 3.5120% | 387 |
| Net loans and leases to total assets | 40.8307% | 5,410 |
| Net loans and leases to deposits | 46.5079% | 5,488 |
| Net loans and leases to core deposits | 52.2694% | 5,339 |
| Total domestic deposits to total assets | 87.7931% | 1,754 |
| Equity capital to assets | 10.6699% | 3,292 |
| Core capital (leverage) ratio | 12.0068% | 1,598 |
| Tier 1 risk-based capital ratio | 24.4261% | 875 |
| Total risk-based capital ratio | 25.3915% | 883 |
| Memoranda: | ||
| Average total assets | $142,225,000 | 3,698 |
| Average earning assets | $128,769,000 | 3,737 |
| Average equity | $15,100,500 | 3,857 |
| Average total loans | $59,658,000 | 4,382 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3717% | 5,220 |
| Cost of funding earning assets | 0.1689% | 5,545 |
| Net interest margin | 3.2028% | 4,621 |
| Noninterest income to average assets | 0.6821% | 2,282 |
| Noninterest expense to average assets | 2.6596% | 3,733 |
| Loan and lease loss provision to assets | 0.0105% | 4,193 |
| Net operating income to assets | 0.8924% | 2,915 |
| Return on assets (ROA) | 0.8924% | 2,995 |
| Pretax return on assets | 0.8924% | 3,870 |
| Return on Equity (ROE) | 7.6295% | 3,176 |
| Retained earnings to average equity (ytd only) | 4.0643% | 3,116 |
| Net charge-offs to loans | 0.3803% | 757 |
| Credit loss provision to net charge-offs | 6.4935% | 3,850 |
| Earnings coverage of net charge-offs (x) | 5.5584% | 3,366 |
| Efficiency ratio | 74.6546% | 2,482 |
| Assets per employee ($millions) | 4.0262% | 3,887 |
| Cash dividends to net income (ytd only)* | 46.7297% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 3,870 |
| Loan loss allowance to noncurrent loans | 36.6883% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 2.1949% | 771 |
| Noncurrent loans to loans | 3.0783% | 508 |
| Net loans and leases to total assets | 42.1215% | 5,402 |
| Net loans and leases to deposits | 47.9168% | 5,490 |
| Net loans and leases to core deposits | 53.5308% | 5,345 |
| Total domestic deposits to total assets | 87.9056% | 1,680 |
| Equity capital to assets | 10.5637% | 3,291 |
| Core capital (leverage) ratio | 11.8816% | 1,696 |
| Tier 1 risk-based capital ratio | 24.1157% | 912 |
| Total risk-based capital ratio | 25.0819% | 928 |
| Memoranda: | ||
| Average total assets | $142,202,800 | 3,688 |
| Average earning assets | $127,889,200 | 3,743 |
| Average equity | $16,632,800 | 3,577 |
| Average total loans | $60,735,600 | 4,361 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3402% | 5,344 |
| Cost of funding earning assets | 0.1689% | 5,643 |
| Net interest margin | 3.1713% | 4,771 |
| Noninterest income to average assets | 0.6745% | 2,357 |
| Noninterest expense to average assets | 2.6549% | 3,704 |
| Loan and lease loss provision to assets | 0.0140% | 3,994 |
| Net operating income to assets | 0.8513% | 3,169 |
| Return on assets (ROA) | 0.8513% | 3,255 |
| Pretax return on assets | 0.8513% | 4,168 |
| Return on Equity (ROE) | 7.1080% | 3,564 |
| Retained earnings to average equity (ytd only) | 3.1244% | 4,229 |
| Net charge-offs to loans | 0.1817% | 1,396 |
| Credit loss provision to net charge-offs | 18.0723% | 3,379 |
| Earnings coverage of net charge-offs (x) | 11.1449% | 2,526 |
| Efficiency ratio | 75.4185% | 2,333 |
| Assets per employee ($millions) | 4.0165% | 3,849 |
| Cash dividends to net income (ytd only)* | 56.0438% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 2,548 |
| Loan loss allowance to noncurrent loans | 42.5116% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 2.3745% | 757 |
| Noncurrent loans to loans | 3.3155% | 493 |
| Net loans and leases to total assets | 41.1003% | 5,533 |
| Net loans and leases to deposits | 47.7236% | 5,584 |
| Net loans and leases to core deposits | 53.0906% | 5,456 |
| Total domestic deposits to total assets | 86.1216% | 2,469 |
| Equity capital to assets | 12.2388% | 1,917 |
| Core capital (leverage) ratio | 12.0040% | 1,672 |
| Tier 1 risk-based capital ratio | 23.7572% | 970 |
| Total risk-based capital ratio | 24.9103% | 969 |
| Memoranda: | ||
| Average total assets | $142,524,500 | 3,711 |
| Average earning assets | $127,894,250 | 3,778 |
| Average equity | $17,069,500 | 3,545 |
| Average total loans | $60,911,000 | 4,401 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2945% | 5,446 |
| Cost of funding earning assets | 0.1691% | 5,702 |
| Net interest margin | 3.1254% | 4,895 |
| Noninterest income to average assets | 0.6635% | 2,393 |
| Noninterest expense to average assets | 2.6346% | 3,796 |
| Loan and lease loss provision to assets | 0.0210% | 3,717 |
| Net operating income to assets | 0.8228% | 3,261 |
| Return on assets (ROA) | 0.8228% | 3,368 |
| Pretax return on assets | 0.8228% | 4,239 |
| Return on Equity (ROE) | 6.9195% | 3,661 |
| Retained earnings to average equity (ytd only) | 2.8665% | 4,210 |
| Net charge-offs to loans | 0.2140% | 1,190 |
| Credit loss provision to net charge-offs | 22.7273% | 2,989 |
| Earnings coverage of net charge-offs (x) | 9.1515% | 2,486 |
| Efficiency ratio | 75.7430% | 2,409 |
| Assets per employee ($millions) | 4.0691% | 3,748 |
| Cash dividends to net income (ytd only)* | 58.5739% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 2,874 |
| Loan loss allowance to noncurrent loans | 25.0297% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 2.4316% | 792 |
| Noncurrent loans to loans | 5.4930% | 194 |
| Net loans and leases to total assets | 42.4605% | 5,469 |
| Net loans and leases to deposits | 49.0506% | 5,554 |
| Net loans and leases to core deposits | 55.4642% | 5,343 |
| Total domestic deposits to total assets | 86.5648% | 2,392 |
| Equity capital to assets | 11.8855% | 2,115 |
| Core capital (leverage) ratio | 11.6656% | 1,867 |
| Tier 1 risk-based capital ratio | 24.9257% | 871 |
| Total risk-based capital ratio | 26.1718% | 856 |
| Memoranda: | ||
| Average total assets | $143,173,330 | 3,727 |
| Average earning assets | $128,942,000 | 3,773 |
| Average equity | $17,024,330 | 3,563 |
| Average total loans | $61,680,000 | 4,416 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2307% | 5,597 |
| Cost of funding earning assets | 0.1702% | 5,767 |
| Net interest margin | 3.0605% | 5,061 |
| Noninterest income to average assets | 0.6632% | 2,343 |
| Noninterest expense to average assets | 2.7196% | 3,522 |
| Loan and lease loss provision to assets | 0.0418% | 3,077 |
| Net operating income to assets | 0.6576% | 4,019 |
| Return on assets (ROA) | 0.6576% | 4,139 |
| Pretax return on assets | 0.6576% | 4,732 |
| Return on Equity (ROE) | 5.5292% | 4,266 |
| Retained earnings to average equity (ytd only) | 1.5463% | 4,857 |
| Net charge-offs to loans | 0.3621% | 676 |
| Credit loss provision to net charge-offs | 26.7857% | 2,300 |
| Earnings coverage of net charge-offs (x) | 4.4821% | 2,489 |
| Efficiency ratio | 79.5436% | 1,951 |
| Assets per employee ($millions) | 4.1382% | 3,684 |
| Cash dividends to net income (ytd only)* | 72.0339% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 2,918 |
| Loan loss allowance to noncurrent loans | 25.3116% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 2.3923% | 913 |
| Noncurrent loans to loans | 5.5306% | 212 |
| Net loans and leases to total assets | 41.4815% | 5,519 |
| Net loans and leases to deposits | 47.9436% | 5,568 |
| Net loans and leases to core deposits | 54.1417% | 5,360 |
| Total domestic deposits to total assets | 86.5215% | 2,657 |
| Equity capital to assets | 11.9395% | 2,071 |
| Core capital (leverage) ratio | 11.7454% | 1,815 |
| Tier 1 risk-based capital ratio | 25.5496% | 827 |
| Total risk-based capital ratio | 26.7987% | 809 |
| Memoranda: | ||
| Average total assets | $143,551,500 | 3,750 |
| Average earning assets | $129,260,000 | 3,801 |
| Average equity | $17,073,000 | 3,580 |
| Average total loans | $61,863,000 | 4,434 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4806% | 5,359 |
| Cost of funding earning assets | 0.2009% | 5,737 |
| Net interest margin | 3.2797% | 4,656 |
| Noninterest income to average assets | 0.7031% | 2,290 |
| Noninterest expense to average assets | 2.7276% | 3,758 |
| Loan and lease loss provision to assets | 0.0467% | 3,638 |
| Net operating income to assets | 0.8826% | 2,957 |
| Return on assets (ROA) | 0.8826% | 3,046 |
| Pretax return on assets | 0.8826% | 3,956 |
| Return on Equity (ROE) | 7.4573% | 3,395 |
| Retained earnings to average equity (ytd only) | 2.2693% | 4,623 |
| Net charge-offs to loans | 0.0390% | 4,043 |
| Credit loss provision to net charge-offs | 270.8333% | 944 |
| Earnings coverage of net charge-offs (x) | 53.9167% | 870 |
| Efficiency ratio | 74.5876% | 2,735 |
| Assets per employee ($millions) | 4.0647% | 3,794 |
| Cash dividends to net income (ytd only)* | 69.5688% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 2,829 |
| Loan loss allowance to noncurrent loans | 23.9550% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 2.7273% | 805 |
| Noncurrent loans to loans | 5.9434% | 196 |
| Net loans and leases to total assets | 43.5089% | 5,497 |
| Net loans and leases to deposits | 50.2272% | 5,570 |
| Net loans and leases to core deposits | 55.8092% | 5,398 |
| Total domestic deposits to total assets | 86.6243% | 2,495 |
| Equity capital to assets | 11.8462% | 2,136 |
| Core capital (leverage) ratio | 12.2642% | 1,469 |
| Tier 1 risk-based capital ratio | 23.2406% | 1,044 |
| Total risk-based capital ratio | 24.4632% | 1,028 |
| Memoranda: | ||
| Average total assets | $139,242,400 | 3,813 |
| Average earning assets | $125,408,800 | 3,857 |
| Average equity | $16,480,600 | 3,606 |
| Average total loans | $61,469,000 | 4,446 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4850% | 5,430 |
| Cost of funding earning assets | 0.2032% | 5,798 |
| Net interest margin | 3.2818% | 4,677 |
| Noninterest income to average assets | 0.7201% | 2,228 |
| Noninterest expense to average assets | 2.7448% | 3,650 |
| Loan and lease loss provision to assets | 0.0626% | 3,103 |
| Net operating income to assets | 0.8674% | 3,089 |
| Return on assets (ROA) | 0.8674% | 3,173 |
| Pretax return on assets | 0.8674% | 4,113 |
| Return on Equity (ROE) | 7.3306% | 3,540 |
| Retained earnings to average equity (ytd only) | 1.7574% | 5,175 |
| Net charge-offs to loans | 0.0393% | 3,716 |
| Credit loss provision to net charge-offs | 361.1111% | 781 |
| Earnings coverage of net charge-offs (x) | 53.6654% | 933 |
| Efficiency ratio | 74.6922% | 2,703 |
| Assets per employee ($millions) | 4.0194% | 3,832 |
| Cash dividends to net income (ytd only)* | 76.0268% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 3,023 |
| Loan loss allowance to noncurrent loans | 25.9142% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 2.7440% | 906 |
| Noncurrent loans to loans | 5.5291% | 283 |
| Net loans and leases to total assets | 45.3041% | 5,428 |
| Net loans and leases to deposits | 52.5943% | 5,498 |
| Net loans and leases to core deposits | 58.0324% | 5,331 |
| Total domestic deposits to total assets | 86.1387% | 2,782 |
| Equity capital to assets | 12.1600% | 1,936 |
| Core capital (leverage) ratio | 12.1234% | 1,618 |
| Tier 1 risk-based capital ratio | 22.9733% | 1,117 |
| Total risk-based capital ratio | 24.2014% | 1,102 |
| Memoranda: | ||
| Average total assets | $138,486,750 | 3,858 |
| Average earning assets | $124,684,750 | 3,900 |
| Average equity | $16,387,500 | 3,633 |
| Average total loans | $61,138,250 | 4,491 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5190% | 5,369 |
| Cost of funding earning assets | 0.2061% | 5,863 |
| Net interest margin | 3.3129% | 4,538 |
| Noninterest income to average assets | 0.7189% | 2,190 |
| Noninterest expense to average assets | 2.7708% | 3,605 |
| Loan and lease loss provision to assets | 0.0863% | 2,588 |
| Net operating income to assets | 0.8440% | 3,105 |
| Return on assets (ROA) | 0.8440% | 3,205 |
| Pretax return on assets | 0.8440% | 4,106 |
| Return on Equity (ROE) | 7.1977% | 3,517 |
| Retained earnings to average equity (ytd only) | 1.3733% | 5,198 |
| Net charge-offs to loans | 0.0429% | 3,367 |
| Credit loss provision to net charge-offs | 461.5385% | 620 |
| Earnings coverage of net charge-offs (x) | 49.7692% | 912 |
| Efficiency ratio | 74.8640% | 2,829 |
| Assets per employee ($millions) | 4.0590% | 3,713 |
| Cash dividends to net income (ytd only)* | 80.9199% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4647% | 3,055 |
| Loan loss allowance to noncurrent loans | 25.9590% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 2.6833% | 1,000 |
| Noncurrent loans to loans | 5.6424% | 303 |
| Net loans and leases to total assets | 42.6178% | 5,637 |
| Net loans and leases to deposits | 49.1289% | 5,700 |
| Net loans and leases to core deposits | 55.0034% | 5,484 |
| Total domestic deposits to total assets | 86.7469% | 2,604 |
| Equity capital to assets | 11.6714% | 2,262 |
| Core capital (leverage) ratio | 11.8406% | 1,759 |
| Tier 1 risk-based capital ratio | 23.1383% | 1,094 |
| Total risk-based capital ratio | 24.3829% | 1,077 |
| Memoranda: | ||
| Average total assets | $139,095,330 | 3,864 |
| Average earning assets | $125,206,000 | 3,907 |
| Average equity | $16,310,670 | 3,645 |
| Average total loans | $60,580,000 | 4,531 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5447% | 5,316 |
| Cost of funding earning assets | 0.2102% | 5,914 |
| Net interest margin | 3.3345% | 4,399 |
| Noninterest income to average assets | 0.7383% | 1,997 |
| Noninterest expense to average assets | 2.8893% | 3,253 |
| Loan and lease loss provision to assets | 0.1744% | 1,388 |
| Net operating income to assets | 0.6715% | 3,837 |
| Return on assets (ROA) | 0.6715% | 3,921 |
| Pretax return on assets | 0.6715% | 4,588 |
| Return on Equity (ROE) | 5.7123% | 4,176 |
| Retained earnings to average equity (ytd only) | -0.2226% | 5,600 |
| Net charge-offs to loans | 0.0798% | 2,355 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 24.2500% | 1,184 |
| Efficiency ratio | 77.3541% | 2,582 |
| Assets per employee ($millions) | 4.0073% | 3,937 |
| Cash dividends to net income (ytd only)* | 103.8961% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5068% | 3,119 |
| Loan loss allowance to noncurrent loans | 42.6206% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 1.7532% | 2,006 |
| Noncurrent loans to loans | 3.5354% | 818 |
| Net loans and leases to total assets | 41.9911% | 5,670 |
| Net loans and leases to deposits | 48.3952% | 5,710 |
| Net loans and leases to core deposits | 54.3312% | 5,475 |
| Total domestic deposits to total assets | 86.7671% | 2,956 |
| Equity capital to assets | 11.6237% | 2,151 |
| Core capital (leverage) ratio | 11.8962% | 1,712 |
| Tier 1 risk-based capital ratio | 23.9210% | 1,010 |
| Total risk-based capital ratio | 25.1725% | 993 |
| Memoranda: | ||
| Average total assets | $137,610,500 | 3,928 |
| Average earning assets | $123,677,000 | 3,972 |
| Average equity | $16,175,500 | 3,671 |
| Average total loans | $60,147,500 | 4,582 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5044% | 5,631 |
| Cost of funding earning assets | 0.2268% | 6,128 |
| Net interest margin | 3.2776% | 4,744 |
| Noninterest income to average assets | 0.7095% | 2,490 |
| Noninterest expense to average assets | 2.7106% | 4,053 |
| Loan and lease loss provision to assets | 0.0432% | 4,260 |
| Net operating income to assets | 0.9119% | 2,719 |
| Return on assets (ROA) | 0.9263% | 2,743 |
| Pretax return on assets | 0.9263% | 3,662 |
| Return on Equity (ROE) | 8.0019% | 3,033 |
| Retained earnings to average equity (ytd only) | 2.4951% | 4,483 |
| Net charge-offs to loans | 0.0629% | 4,333 |
| Credit loss provision to net charge-offs | 162.1622% | 1,411 |
| Earnings coverage of net charge-offs (x) | 35.8378% | 1,040 |
| Efficiency ratio | 73.9438% | 3,135 |
| Assets per employee ($millions) | 3.9696% | 3,923 |
| Cash dividends to net income (ytd only)* | 68.8180% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 3,600 |
| Loan loss allowance to noncurrent loans | 34.1884% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 1.9746% | 1,819 |
| Noncurrent loans to loans | 4.1240% | 685 |
| Net loans and leases to total assets | 44.1937% | 5,658 |
| Net loans and leases to deposits | 51.1544% | 5,683 |
| Net loans and leases to core deposits | 56.8615% | 5,475 |
| Total domestic deposits to total assets | 86.3928% | 3,047 |
| Equity capital to assets | 11.8905% | 1,873 |
| Core capital (leverage) ratio | 12.1616% | 1,514 |
| Tier 1 risk-based capital ratio | 23.5744% | 1,009 |
| Total risk-based capital ratio | 24.7844% | 997 |
| Memoranda: | ||
| Average total assets | $138,826,200 | 3,904 |
| Average earning assets | $125,214,000 | 3,944 |
| Average equity | $16,071,200 | 3,688 |
| Average total loans | $58,794,000 | 4,655 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4345% | 5,813 |
| Cost of funding earning assets | 0.2314% | 6,214 |
| Net interest margin | 3.2030% | 4,992 |
| Noninterest income to average assets | 0.7010% | 2,602 |
| Noninterest expense to average assets | 2.7660% | 3,775 |
| Loan and lease loss provision to assets | 0.0286% | 4,435 |
| Net operating income to assets | 0.7974% | 3,357 |
| Return on assets (ROA) | 0.7974% | 3,490 |
| Pretax return on assets | 0.7974% | 4,302 |
| Return on Equity (ROE) | 6.9331% | 3,694 |
| Retained earnings to average equity (ytd only) | 1.0450% | 5,558 |
| Net charge-offs to loans | 0.0594% | 4,057 |
| Credit loss provision to net charge-offs | 115.3846% | 2,039 |
| Earnings coverage of net charge-offs (x) | 33.3037% | 1,148 |
| Efficiency ratio | 77.0048% | 2,562 |
| Assets per employee ($millions) | 3.9427% | 3,956 |
| Cash dividends to net income (ytd only)* | 84.9279% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 3,867 |
| Loan loss allowance to noncurrent loans | 38.2393% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 1.7037% | 2,408 |
| Noncurrent loans to loans | 3.6775% | 1,004 |
| Net loans and leases to total assets | 42.3725% | 5,872 |
| Net loans and leases to deposits | 48.9109% | 5,913 |
| Net loans and leases to core deposits | 54.5494% | 5,725 |
| Total domestic deposits to total assets | 86.6321% | 2,896 |
| Equity capital to assets | 11.5040% | 2,303 |
| Core capital (leverage) ratio | 11.7397% | 1,861 |
| Tier 1 risk-based capital ratio | 23.3332% | 1,089 |
| Total risk-based capital ratio | 24.5239% | 1,082 |
| Memoranda: | ||
| Average total assets | $139,791,500 | 3,920 |
| Average earning assets | $126,169,250 | 3,960 |
| Average equity | $16,077,000 | 3,731 |
| Average total loans | $58,367,750 | 4,709 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3732% | 5,963 |
| Cost of funding earning assets | 0.2364% | 6,258 |
| Net interest margin | 3.1368% | 5,170 |
| Noninterest income to average assets | 0.6995% | 2,644 |
| Noninterest expense to average assets | 2.7908% | 3,705 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7436% | 3,602 |
| Return on assets (ROA) | 0.7436% | 3,755 |
| Pretax return on assets | 0.7436% | 4,528 |
| Return on Equity (ROE) | 6.4667% | 3,898 |
| Retained earnings to average equity (ytd only) | 1.3875% | 5,329 |
| Net charge-offs to loans | 0.0999% | 3,365 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,574 |
| Efficiency ratio | 78.9601% | 2,305 |
| Assets per employee ($millions) | 3.9539% | 3,906 |
| Cash dividends to net income (ytd only)* | 78.5441% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3861% | 4,102 |
| Loan loss allowance to noncurrent loans | 35.6952% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 1.6960% | 2,564 |
| Noncurrent loans to loans | 3.8831% | 1,026 |
| Net loans and leases to total assets | 40.0368% | 6,043 |
| Net loans and leases to deposits | 45.9262% | 6,110 |
| Net loans and leases to core deposits | 49.1869% | 6,069 |
| Total domestic deposits to total assets | 87.1764% | 2,722 |
| Equity capital to assets | 11.0771% | 2,681 |
| Core capital (leverage) ratio | 11.4408% | 1,985 |
| Tier 1 risk-based capital ratio | 24.0165% | 997 |
| Total risk-based capital ratio | 25.1945% | 988 |
| Memoranda: | ||
| Average total assets | $140,390,330 | 3,939 |
| Average earning assets | $126,881,330 | 3,970 |
| Average equity | $16,144,330 | 3,747 |
| Average total loans | $58,055,000 | 4,744 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3879% | 5,969 |
| Cost of funding earning assets | 0.2479% | 6,304 |
| Net interest margin | 3.1400% | 5,126 |
| Noninterest income to average assets | 0.7001% | 2,588 |
| Noninterest expense to average assets | 2.8748% | 3,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6599% | 3,903 |
| Return on assets (ROA) | 0.6599% | 4,063 |
| Pretax return on assets | 0.6599% | 4,757 |
| Return on Equity (ROE) | 5.6328% | 4,240 |
| Retained earnings to average equity (ytd only) | -0.1225% | 5,799 |
| Net charge-offs to loans | 0.0894% | 2,945 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 17.6923% | 1,299 |
| Efficiency ratio | 81.3312% | 2,145 |
| Assets per employee ($millions) | 3.9305% | 4,102 |
| Cash dividends to net income (ytd only)* | 102.1739% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 4,059 |
| Loan loss allowance to noncurrent loans | 20.9005% | 6,323 |
| Noncurrent assets plus other real estate owned to assets | 2.9025% | 1,553 |
| Noncurrent loans to loans | 6.8833% | 437 |
| Net loans and leases to total assets | 39.5574% | 6,029 |
| Net loans and leases to deposits | 45.6051% | 6,077 |
| Net loans and leases to core deposits | 51.1795% | 5,879 |
| Total domestic deposits to total assets | 86.7390% | 3,111 |
| Equity capital to assets | 11.5139% | 2,399 |
| Core capital (leverage) ratio | 11.5486% | 1,847 |
| Tier 1 risk-based capital ratio | 24.4947% | 956 |
| Total risk-based capital ratio | 25.7289% | 939 |
| Memoranda: | ||
| Average total assets | $139,416,000 | 4,000 |
| Average earning assets | $125,860,500 | 4,024 |
| Average equity | $16,333,000 | 3,764 |
| Average total loans | $58,188,000 | 4,769 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9120% | 5,540 |
| Cost of funding earning assets | 0.3250% | 6,334 |
| Net interest margin | 3.5869% | 4,145 |
| Noninterest income to average assets | 0.7867% | 2,323 |
| Noninterest expense to average assets | 2.7336% | 4,276 |
| Loan and lease loss provision to assets | 0.0258% | 5,572 |
| Net operating income to assets | 1.2463% | 1,458 |
| Return on assets (ROA) | 1.2522% | 1,601 |
| Pretax return on assets | 1.2522% | 2,597 |
| Return on Equity (ROE) | 10.6190% | 1,934 |
| Retained earnings to average equity (ytd only) | 4.6224% | 2,973 |
| Net charge-offs to loans | 0.0462% | 5,267 |
| Credit loss provision to net charge-offs | 125.0000% | 2,264 |
| Earnings coverage of net charge-offs (x) | 61.6786% | 584 |
| Efficiency ratio | 68.2420% | 4,096 |
| Assets per employee ($millions) | 3.8148% | 4,335 |
| Cash dividends to net income (ytd only)* | 56.4706% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 4,200 |
| Loan loss allowance to noncurrent loans | 32.7675% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 1.9682% | 2,487 |
| Noncurrent loans to loans | 4.2510% | 1,048 |
| Net loans and leases to total assets | 42.7833% | 5,920 |
| Net loans and leases to deposits | 49.5593% | 5,985 |
| Net loans and leases to core deposits | 55.4454% | 5,758 |
| Total domestic deposits to total assets | 86.3275% | 3,185 |
| Equity capital to assets | 11.9228% | 2,094 |
| Core capital (leverage) ratio | 11.7925% | 1,669 |
| Tier 1 risk-based capital ratio | 23.8473% | 988 |
| Total risk-based capital ratio | 25.0676% | 969 |
| Memoranda: | ||
| Average total assets | $135,757,400 | 4,026 |
| Average earning assets | $121,831,800 | 4,069 |
| Average equity | $16,009,000 | 3,772 |
| Average total loans | $60,601,400 | 4,685 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 5,529 |
| Cost of funding earning assets | 0.3405% | 6,417 |
| Net interest margin | 3.6562% | 3,979 |
| Noninterest income to average assets | 0.8008% | 2,236 |
| Noninterest expense to average assets | 2.7914% | 4,009 |
| Loan and lease loss provision to assets | 0.0345% | 5,339 |
| Net operating income to assets | 1.2539% | 1,568 |
| Return on assets (ROA) | 1.2539% | 1,729 |
| Pretax return on assets | 1.2539% | 2,777 |
| Return on Equity (ROE) | 10.6629% | 2,073 |
| Retained earnings to average equity (ytd only) | 5.8466% | 2,793 |
| Net charge-offs to loans | 0.0745% | 4,663 |
| Credit loss provision to net charge-offs | 102.9412% | 2,860 |
| Earnings coverage of net charge-offs (x) | 38.4725% | 909 |
| Efficiency ratio | 68.4211% | 3,976 |
| Assets per employee ($millions) | 3.7865% | 4,335 |
| Cash dividends to net income (ytd only)* | 45.1691% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 4,372 |
| Loan loss allowance to noncurrent loans | 32.1498% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 2.0049% | 2,631 |
| Noncurrent loans to loans | 4.3578% | 1,109 |
| Net loans and leases to total assets | 42.5415% | 6,080 |
| Net loans and leases to deposits | 49.4361% | 6,154 |
| Net loans and leases to core deposits | 54.2383% | 6,033 |
| Total domestic deposits to total assets | 86.0535% | 3,225 |
| Equity capital to assets | 12.0545% | 2,209 |
| Core capital (leverage) ratio | 11.7838% | 1,779 |
| Tier 1 risk-based capital ratio | 24.0197% | 1,017 |
| Total risk-based capital ratio | 25.2431% | 1,005 |
| Memoranda: | ||
| Average total assets | $135,363,250 | 4,072 |
| Average earning assets | $121,399,250 | 4,118 |
| Average equity | $15,917,750 | 3,829 |
| Average total loans | $60,855,250 | 4,730 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0566% | 5,463 |
| Cost of funding earning assets | 0.3590% | 6,473 |
| Net interest margin | 3.6976% | 3,833 |
| Noninterest income to average assets | 0.8442% | 1,988 |
| Noninterest expense to average assets | 2.8761% | 3,724 |
| Loan and lease loss provision to assets | 0.0444% | 5,123 |
| Net operating income to assets | 1.2337% | 1,602 |
| Return on assets (ROA) | 1.2337% | 1,790 |
| Pretax return on assets | 1.2337% | 2,787 |
| Return on Equity (ROE) | 10.5802% | 2,141 |
| Retained earnings to average equity (ytd only) | 6.1348% | 2,623 |
| Net charge-offs to loans | 0.0715% | 4,430 |
| Credit loss provision to net charge-offs | 136.3636% | 2,014 |
| Earnings coverage of net charge-offs (x) | 39.2273% | 887 |
| Efficiency ratio | 69.2335% | 3,891 |
| Assets per employee ($millions) | 3.8298% | 4,244 |
| Cash dividends to net income (ytd only)* | 42.0168% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 4,615 |
| Loan loss allowance to noncurrent loans | 33.2400% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 1.9366% | 2,864 |
| Noncurrent loans to loans | 4.0919% | 1,338 |
| Net loans and leases to total assets | 43.7116% | 6,045 |
| Net loans and leases to deposits | 50.5676% | 6,139 |
| Net loans and leases to core deposits | 54.7803% | 6,039 |
| Total domestic deposits to total assets | 86.4418% | 3,104 |
| Equity capital to assets | 11.6615% | 2,444 |
| Core capital (leverage) ratio | 11.7375% | 1,758 |
| Tier 1 risk-based capital ratio | 23.0808% | 1,119 |
| Total risk-based capital ratio | 24.2824% | 1,109 |
| Memoranda: | ||
| Average total assets | $135,046,330 | 4,095 |
| Average earning assets | $120,888,330 | 4,150 |
| Average equity | $15,746,330 | 3,844 |
| Average total loans | $61,535,670 | 4,725 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2235% | 5,020 |
| Cost of funding earning assets | 0.3888% | 6,460 |
| Net interest margin | 3.8347% | 3,218 |
| Noninterest income to average assets | 0.9070% | 1,714 |
| Noninterest expense to average assets | 2.9484% | 3,452 |
| Loan and lease loss provision to assets | 0.0449% | 4,843 |
| Net operating income to assets | 1.3380% | 1,354 |
| Return on assets (ROA) | 1.3380% | 1,515 |
| Pretax return on assets | 1.3380% | 2,399 |
| Return on Equity (ROE) | 11.4759% | 1,846 |
| Retained earnings to average equity (ytd only) | 6.9831% | 2,445 |
| Net charge-offs to loans | 0.1295% | 3,331 |
| Credit loss provision to net charge-offs | 75.0000% | 2,823 |
| Earnings coverage of net charge-offs (x) | 23.1000% | 1,101 |
| Efficiency ratio | 68.0719% | 4,157 |
| Assets per employee ($millions) | 3.6591% | 4,741 |
| Cash dividends to net income (ytd only)* | 39.1499% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 4,794 |
| Loan loss allowance to noncurrent loans | 31.4979% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 1.9736% | 2,941 |
| Noncurrent loans to loans | 4.2947% | 1,392 |
| Net loans and leases to total assets | 44.0610% | 6,005 |
| Net loans and leases to deposits | 51.0116% | 6,069 |
| Net loans and leases to core deposits | 55.9824% | 5,904 |
| Total domestic deposits to total assets | 86.3744% | 3,318 |
| Equity capital to assets | 11.6985% | 2,263 |
| Core capital (leverage) ratio | 11.7528% | 1,733 |
| Tier 1 risk-based capital ratio | 22.8960% | 1,147 |
| Total risk-based capital ratio | 24.0850% | 1,137 |
| Memoranda: | ||
| Average total assets | $133,633,500 | 4,151 |
| Average earning assets | $119,332,500 | 4,217 |
| Average equity | $15,580,500 | 3,876 |
| Average total loans | $61,755,000 | 4,743 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4975% | 5,086 |
| Cost of funding earning assets | 0.5641% | 6,270 |
| Net interest margin | 3.9334% | 3,192 |
| Noninterest income to average assets | 0.9537% | 1,495 |
| Noninterest expense to average assets | 2.9220% | 3,873 |
| Loan and lease loss provision to assets | 0.1179% | 5,127 |
| Net operating income to assets | 1.4298% | 969 |
| Return on assets (ROA) | 1.4298% | 1,050 |
| Pretax return on assets | 1.4298% | 1,683 |
| Return on Equity (ROE) | 12.7584% | 1,215 |
| Retained earnings to average equity (ytd only) | 5.6327% | 2,222 |
| Net charge-offs to loans | 0.2108% | 4,468 |
| Credit loss provision to net charge-offs | 110.7143% | 3,013 |
| Earnings coverage of net charge-offs (x) | 14.5357% | 1,452 |
| Efficiency ratio | 65.3735% | 4,885 |
| Assets per employee ($millions) | 3.8789% | 4,135 |
| Cash dividends to net income (ytd only)* | 55.8511% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 4,874 |
| Loan loss allowance to noncurrent loans | 30.4251% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 2.2027% | 2,735 |
| Noncurrent loans to loans | 4.2909% | 1,421 |
| Net loans and leases to total assets | 47.1763% | 5,909 |
| Net loans and leases to deposits | 54.7232% | 6,002 |
| Net loans and leases to core deposits | 60.0417% | 5,846 |
| Total domestic deposits to total assets | 86.2089% | 3,193 |
| Equity capital to assets | 11.6187% | 2,409 |
| Core capital (leverage) ratio | 11.6366% | 1,798 |
| Tier 1 risk-based capital ratio | 21.4921% | 1,322 |
| Total risk-based capital ratio | 22.6349% | 1,314 |
| Memoranda: | ||
| Average total assets | $131,484,000 | 4,139 |
| Average earning assets | $117,532,800 | 4,195 |
| Average equity | $14,735,400 | 3,961 |
| Average total loans | $66,428,000 | 4,615 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5122% | 5,226 |
| Cost of funding earning assets | 0.5952% | 6,299 |
| Net interest margin | 3.9170% | 3,295 |
| Noninterest income to average assets | 0.9905% | 1,362 |
| Noninterest expense to average assets | 2.9815% | 3,622 |
| Loan and lease loss provision to assets | 0.1421% | 4,663 |
| Net operating income to assets | 1.3730% | 1,214 |
| Return on assets (ROA) | 1.3730% | 1,297 |
| Pretax return on assets | 1.3730% | 2,031 |
| Return on Equity (ROE) | 12.3656% | 1,449 |
| Retained earnings to average equity (ytd only) | 7.5674% | 1,680 |
| Net charge-offs to loans | 0.1407% | 4,658 |
| Credit loss provision to net charge-offs | 197.1831% | 1,484 |
| Earnings coverage of net charge-offs (x) | 21.0292% | 1,198 |
| Efficiency ratio | 66.3056% | 4,666 |
| Assets per employee ($millions) | 3.7194% | 4,497 |
| Cash dividends to net income (ytd only)* | 38.8026% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 5,060 |
| Loan loss allowance to noncurrent loans | 34.5820% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 2.0433% | 3,087 |
| Noncurrent loans to loans | 3.7257% | 1,824 |
| Net loans and leases to total assets | 50.1800% | 5,682 |
| Net loans and leases to deposits | 58.1701% | 5,828 |
| Net loans and leases to core deposits | 63.0123% | 5,716 |
| Total domestic deposits to total assets | 86.2642% | 3,061 |
| Equity capital to assets | 11.3803% | 2,794 |
| Core capital (leverage) ratio | 11.6375% | 1,930 |
| Tier 1 risk-based capital ratio | 20.1568% | 1,650 |
| Total risk-based capital ratio | 21.2990% | 1,644 |
| Memoranda: | ||
| Average total assets | $131,384,500 | 4,166 |
| Average earning assets | $117,604,250 | 4,211 |
| Average equity | $14,588,500 | 4,006 |
| Average total loans | $67,275,000 | 4,621 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4331% | 5,581 |
| Cost of funding earning assets | 0.6296% | 6,317 |
| Net interest margin | 3.8035% | 3,765 |
| Noninterest income to average assets | 0.9882% | 1,354 |
| Noninterest expense to average assets | 3.0778% | 3,340 |
| Loan and lease loss provision to assets | 0.1685% | 4,247 |
| Net operating income to assets | 1.1383% | 1,764 |
| Return on assets (ROA) | 1.1383% | 1,832 |
| Pretax return on assets | 1.1383% | 2,701 |
| Return on Equity (ROE) | 10.3395% | 2,001 |
| Retained earnings to average equity (ytd only) | 5.4690% | 2,702 |
| Net charge-offs to loans | 0.2238% | 3,780 |
| Credit loss provision to net charge-offs | 146.6667% | 2,086 |
| Earnings coverage of net charge-offs (x) | 11.3733% | 1,724 |
| Efficiency ratio | 70.1957% | 4,077 |
| Assets per employee ($millions) | 3.7257% | 4,365 |
| Cash dividends to net income (ytd only)* | 47.1063% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 5,210 |
| Loan loss allowance to noncurrent loans | 32.4855% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 2.2084% | 2,967 |
| Noncurrent loans to loans | 3.9051% | 1,776 |
| Net loans and leases to total assets | 48.9163% | 5,961 |
| Net loans and leases to deposits | 56.4102% | 6,100 |
| Net loans and leases to core deposits | 61.3891% | 5,960 |
| Total domestic deposits to total assets | 86.7154% | 2,910 |
| Equity capital to assets | 10.9786% | 2,984 |
| Core capital (leverage) ratio | 11.2561% | 2,071 |
| Tier 1 risk-based capital ratio | 19.7270% | 1,664 |
| Total risk-based capital ratio | 20.8325% | 1,670 |
| Memoranda: | ||
| Average total assets | $130,546,670 | 4,219 |
| Average earning assets | $116,576,670 | 4,264 |
| Average equity | $14,372,000 | 4,050 |
| Average total loans | $67,011,000 | 4,680 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4312% | 5,581 |
| Cost of funding earning assets | 0.6649% | 6,317 |
| Net interest margin | 3.7664% | 3,773 |
| Noninterest income to average assets | 1.0873% | 1,110 |
| Noninterest expense to average assets | 3.1625% | 3,019 |
| Loan and lease loss provision to assets | 0.0466% | 5,418 |
| Net operating income to assets | 1.2395% | 1,423 |
| Return on assets (ROA) | 1.2395% | 1,479 |
| Pretax return on assets | 1.2395% | 2,231 |
| Return on Equity (ROE) | 11.2430% | 1,659 |
| Retained earnings to average equity (ytd only) | 6.3119% | 2,459 |
| Net charge-offs to loans | 0.0178% | 4,829 |
| Credit loss provision to net charge-offs | 500.0000% | 713 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 230 |
| Efficiency ratio | 71.0894% | 4,038 |
| Assets per employee ($millions) | 3.7561% | 4,403 |
| Cash dividends to net income (ytd only)* | 43.8596% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 5,501 |
| Loan loss allowance to noncurrent loans | 28.4032% | 6,385 |
| Noncurrent assets plus other real estate owned to assets | 2.2980% | 2,950 |
| Noncurrent loans to loans | 4.3164% | 1,641 |
| Net loans and leases to total assets | 50.2533% | 5,817 |
| Net loans and leases to deposits | 57.9895% | 5,923 |
| Net loans and leases to core deposits | 63.4383% | 5,787 |
| Total domestic deposits to total assets | 86.6593% | 3,143 |
| Equity capital to assets | 10.9621% | 2,728 |
| Core capital (leverage) ratio | 11.5450% | 1,819 |
| Tier 1 risk-based capital ratio | 19.2337% | 1,745 |
| Total risk-based capital ratio | 20.2941% | 1,749 |
| Memoranda: | ||
| Average total assets | $128,757,500 | 4,287 |
| Average earning assets | $114,912,000 | 4,326 |
| Average equity | $14,195,500 | 4,072 |
| Average total loans | $67,290,500 | 4,716 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9616% | 4,737 |
| Cost of funding earning assets | 0.8271% | 6,456 |
| Net interest margin | 4.1345% | 2,432 |
| Noninterest income to average assets | 1.0423% | 1,380 |
| Noninterest expense to average assets | 3.1667% | 3,204 |
| Loan and lease loss provision to assets | 0.1580% | 5,627 |
| Net operating income to assets | 1.4087% | 934 |
| Return on assets (ROA) | 1.4062% | 1,012 |
| Pretax return on assets | 1.4062% | 1,650 |
| Return on Equity (ROE) | 12.7377% | 1,159 |
| Retained earnings to average equity (ytd only) | 5.9467% | 1,843 |
| Net charge-offs to loans | 0.0959% | 5,889 |
| Credit loss provision to net charge-offs | 304.6875% | 873 |
| Earnings coverage of net charge-offs (x) | 30.2031% | 731 |
| Efficiency ratio | 66.9007% | 4,778 |
| Assets per employee ($millions) | 3.7074% | 4,446 |
| Cash dividends to net income (ytd only)* | 53.3141% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 5,551 |
| Loan loss allowance to noncurrent loans | 29.2542% | 6,337 |
| Noncurrent assets plus other real estate owned to assets | 2.4656% | 2,809 |
| Noncurrent loans to loans | 4.0799% | 1,772 |
| Net loans and leases to total assets | 53.0642% | 5,770 |
| Net loans and leases to deposits | 61.5671% | 5,888 |
| Net loans and leases to core deposits | 68.5198% | 5,606 |
| Total domestic deposits to total assets | 86.1891% | 3,253 |
| Equity capital to assets | 11.0906% | 2,608 |
| Core capital (leverage) ratio | 11.7062% | 1,721 |
| Tier 1 risk-based capital ratio | 19.0737% | 1,700 |
| Total risk-based capital ratio | 20.1258% | 1,721 |
| Memoranda: | ||
| Average total assets | $123,379,200 | 4,417 |
| Average earning assets | $110,146,800 | 4,461 |
| Average equity | $13,621,000 | 4,234 |
| Average total loans | $66,715,400 | 4,800 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0194% | 4,717 |
| Cost of funding earning assets | 0.8566% | 6,561 |
| Net interest margin | 4.1627% | 2,357 |
| Noninterest income to average assets | 0.9746% | 1,539 |
| Noninterest expense to average assets | 3.2194% | 2,860 |
| Loan and lease loss provision to assets | 0.1793% | 5,251 |
| Net operating income to assets | 1.2930% | 1,351 |
| Return on assets (ROA) | 1.2930% | 1,430 |
| Pretax return on assets | 1.2930% | 2,191 |
| Return on Equity (ROE) | 11.7257% | 1,581 |
| Retained earnings to average equity (ytd only) | 6.5525% | 2,062 |
| Net charge-offs to loans | 0.3370% | 3,960 |
| Credit loss provision to net charge-offs | 98.2143% | 4,432 |
| Earnings coverage of net charge-offs (x) | 8.0656% | 2,220 |
| Efficiency ratio | 68.6197% | 4,350 |
| Assets per employee ($millions) | 3.6338% | 4,653 |
| Cash dividends to net income (ytd only)* | 44.1174% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0155% | 6,324 |
| Loan loss allowance to noncurrent loans | 25.8634% | 6,581 |
| Noncurrent assets plus other real estate owned to assets | 2.3910% | 2,990 |
| Noncurrent loans to loans | 3.9262% | 1,927 |
| Net loans and leases to total assets | 53.1777% | 5,959 |
| Net loans and leases to deposits | 61.9461% | 6,119 |
| Net loans and leases to core deposits | 68.0131% | 5,938 |
| Total domestic deposits to total assets | 85.8452% | 3,158 |
| Equity capital to assets | 11.2199% | 2,758 |
| Core capital (leverage) ratio | 11.6997% | 1,819 |
| Tier 1 risk-based capital ratio | 19.3358% | 1,678 |
| Total risk-based capital ratio | 20.2344% | 1,716 |
| Memoranda: | ||
| Average total assets | $122,710,750 | 4,485 |
| Average earning assets | $109,572,500 | 4,539 |
| Average equity | $13,531,250 | 4,320 |
| Average total loans | $66,470,000 | 4,883 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0955% | 4,480 |
| Cost of funding earning assets | 0.8761% | 6,668 |
| Net interest margin | 4.2195% | 2,092 |
| Noninterest income to average assets | 0.9834% | 1,427 |
| Noninterest expense to average assets | 3.2394% | 2,763 |
| Loan and lease loss provision to assets | 0.1470% | 5,426 |
| Net operating income to assets | 1.3657% | 1,159 |
| Return on assets (ROA) | 1.3657% | 1,227 |
| Pretax return on assets | 1.3657% | 1,908 |
| Return on Equity (ROE) | 12.4581% | 1,359 |
| Retained earnings to average equity (ytd only) | 7.2424% | 1,733 |
| Net charge-offs to loans | 0.4932% | 3,066 |
| Credit loss provision to net charge-offs | 54.8780% | 5,320 |
| Earnings coverage of net charge-offs (x) | 5.6463% | 2,624 |
| Efficiency ratio | 68.1678% | 4,549 |
| Assets per employee ($millions) | 3.4006% | 5,184 |
| Cash dividends to net income (ytd only)* | 41.8660% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9181% | 6,697 |
| Loan loss allowance to noncurrent loans | 125.1037% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.6700% | 5,806 |
| Noncurrent loans to loans | 0.7339% | 5,787 |
| Net loans and leases to total assets | 51.7203% | 6,242 |
| Net loans and leases to deposits | 59.9464% | 6,413 |
| Net loans and leases to core deposits | 66.2931% | 6,218 |
| Total domestic deposits to total assets | 86.2775% | 2,937 |
| Equity capital to assets | 10.8581% | 3,012 |
| Core capital (leverage) ratio | 11.4671% | 1,932 |
| Tier 1 risk-based capital ratio | 19.4818% | 1,612 |
| Total risk-based capital ratio | 20.3019% | 1,669 |
| Memoranda: | ||
| Average total assets | $122,431,670 | 4,518 |
| Average earning assets | $109,350,670 | 4,574 |
| Average equity | $13,421,000 | 4,345 |
| Average total loans | $66,502,000 | 4,919 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1682% | 4,207 |
| Cost of funding earning assets | 0.9096% | 6,732 |
| Net interest margin | 4.2586% | 1,829 |
| Noninterest income to average assets | 0.9541% | 1,439 |
| Noninterest expense to average assets | 3.4025% | 2,229 |
| Loan and lease loss provision to assets | 0.2153% | 4,353 |
| Net operating income to assets | 1.1364% | 1,724 |
| Return on assets (ROA) | 1.1364% | 1,798 |
| Pretax return on assets | 1.1364% | 2,602 |
| Return on Equity (ROE) | 10.3154% | 2,002 |
| Retained earnings to average equity (ytd only) | 5.0524% | 3,127 |
| Net charge-offs to loans | 1.0162% | 1,616 |
| Credit loss provision to net charge-offs | 38.2353% | 4,670 |
| Earnings coverage of net charge-offs (x) | 2.4000% | 3,339 |
| Efficiency ratio | 71.5679% | 4,006 |
| Assets per employee ($millions) | 3.4119% | 5,256 |
| Cash dividends to net income (ytd only)* | 51.0204% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 7,015 |
| Loan loss allowance to noncurrent loans | 169.7329% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 6,356 |
| Noncurrent loans to loans | 0.4969% | 6,304 |
| Net loans and leases to total assets | 54.7518% | 5,922 |
| Net loans and leases to deposits | 63.5699% | 6,100 |
| Net loans and leases to core deposits | 70.2673% | 5,893 |
| Total domestic deposits to total assets | 86.1285% | 3,083 |
| Equity capital to assets | 10.8616% | 2,882 |
| Core capital (leverage) ratio | 11.5207% | 1,897 |
| Tier 1 risk-based capital ratio | 18.3669% | 1,854 |
| Total risk-based capital ratio | 19.1170% | 1,953 |
| Memoranda: | ||
| Average total assets | $120,736,000 | 4,611 |
| Average earning assets | $107,736,000 | 4,664 |
| Average equity | $13,300,500 | 4,407 |
| Average total loans | $66,913,500 | 4,970 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4778% | 4,274 |
| Cost of funding earning assets | 1.0524% | 7,093 |
| Net interest margin | 4.4253% | 1,361 |
| Noninterest income to average assets | 0.9229% | 1,858 |
| Noninterest expense to average assets | 3.3498% | 2,837 |
| Loan and lease loss provision to assets | 0.1162% | 6,484 |
| Net operating income to assets | 1.4220% | 815 |
| Return on assets (ROA) | 1.4220% | 867 |
| Pretax return on assets | 1.4220% | 1,379 |
| Return on Equity (ROE) | 13.0641% | 948 |
| Retained earnings to average equity (ytd only) | 6.9199% | 989 |
| Net charge-offs to loans | 0.0784% | 6,322 |
| Credit loss provision to net charge-offs | 289.5833% | 1,156 |
| Earnings coverage of net charge-offs (x) | 38.3333% | 618 |
| Efficiency ratio | 68.5309% | 4,915 |
| Assets per employee ($millions) | 3.2957% | 5,499 |
| Cash dividends to net income (ytd only)* | 47.0312% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 6,235 |
| Loan loss allowance to noncurrent loans | 58.1615% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 1.1564% | 4,780 |
| Noncurrent loans to loans | 1.7635% | 3,990 |
| Net loans and leases to total assets | 55.0617% | 6,076 |
| Net loans and leases to deposits | 64.2847% | 6,232 |
| Net loans and leases to core deposits | 80.0490% | 6,096 |
| Total domestic deposits to total assets | 85.6530% | 3,197 |
| Equity capital to assets | 11.1762% | 2,551 |
| Core capital (leverage) ratio | 11.7136% | 1,805 |
| Tier 1 risk-based capital ratio | 18.6066% | 1,733 |
| Total risk-based capital ratio | 19.5168% | 1,773 |
| Memoranda: | ||
| Average total assets | $119,619,600 | 4,575 |
| Average earning assets | $107,178,600 | 4,652 |
| Average equity | $13,020,400 | 4,505 |
| Average total loans | $61,210,600 | 5,199 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4702% | 4,576 |
| Cost of funding earning assets | 1.0834% | 7,210 |
| Net interest margin | 4.3868% | 1,475 |
| Noninterest income to average assets | 0.9155% | 1,919 |
| Noninterest expense to average assets | 3.2603% | 3,079 |
| Loan and lease loss provision to assets | 0.0712% | 6,645 |
| Net operating income to assets | 1.5206% | 779 |
| Return on assets (ROA) | 1.5206% | 830 |
| Pretax return on assets | 1.5206% | 1,357 |
| Return on Equity (ROE) | 14.0629% | 918 |
| Retained earnings to average equity (ytd only) | 9.9479% | 642 |
| Net charge-offs to loans | 0.0889% | 5,794 |
| Credit loss provision to net charge-offs | 160.0000% | 2,966 |
| Earnings coverage of net charge-offs (x) | 35.7763% | 812 |
| Efficiency ratio | 67.1939% | 5,141 |
| Assets per employee ($millions) | 3.2599% | 5,495 |
| Cash dividends to net income (ytd only)* | 29.2612% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 6,600 |
| Loan loss allowance to noncurrent loans | 75.6824% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.8640% | 5,354 |
| Noncurrent loans to loans | 1.2409% | 4,874 |
| Net loans and leases to total assets | 54.8276% | 6,293 |
| Net loans and leases to deposits | 64.6050% | 6,440 |
| Net loans and leases to core deposits | 78.1319% | 6,477 |
| Total domestic deposits to total assets | 84.8658% | 3,301 |
| Equity capital to assets | 11.5579% | 2,543 |
| Core capital (leverage) ratio | 11.5323% | 2,060 |
| Tier 1 risk-based capital ratio | 18.8611% | 1,778 |
| Total risk-based capital ratio | 19.6885% | 1,828 |
| Memoranda: | ||
| Average total assets | $119,863,250 | 4,598 |
| Average earning assets | $107,561,750 | 4,665 |
| Average equity | $12,960,500 | 4,548 |
| Average total loans | $60,012,000 | 5,286 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3426% | 5,433 |
| Cost of funding earning assets | 1.1158% | 7,339 |
| Net interest margin | 4.2268% | 1,894 |
| Noninterest income to average assets | 0.8915% | 2,015 |
| Noninterest expense to average assets | 3.2362% | 3,210 |
| Loan and lease loss provision to assets | 0.0597% | 6,623 |
| Net operating income to assets | 1.3869% | 1,049 |
| Return on assets (ROA) | 1.3869% | 1,123 |
| Pretax return on assets | 1.3869% | 1,764 |
| Return on Equity (ROE) | 13.1198% | 1,157 |
| Retained earnings to average equity (ytd only) | 13.1198% | 316 |
| Net charge-offs to loans | 0.0754% | 5,453 |
| Credit loss provision to net charge-offs | 163.6364% | 2,803 |
| Earnings coverage of net charge-offs (x) | 39.6818% | 816 |
| Efficiency ratio | 69.1083% | 4,956 |
| Assets per employee ($millions) | 3.4017% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 6,345 |
| Loan loss allowance to noncurrent loans | 91.4634% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.7055% | 5,644 |
| Noncurrent loans to loans | 1.0781% | 5,047 |
| Net loans and leases to total assets | 49.1969% | 6,942 |
| Net loans and leases to deposits | 57.2304% | 7,078 |
| Net loans and leases to core deposits | 68.8852% | 7,080 |
| Total domestic deposits to total assets | 85.9629% | 2,811 |
| Equity capital to assets | 10.9169% | 3,001 |
| Core capital (leverage) ratio | 11.2464% | 2,230 |
| Tier 1 risk-based capital ratio | 19.2525% | 1,730 |
| Total risk-based capital ratio | 20.0911% | 1,763 |
| Memoranda: | ||
| Average total assets | $120,698,670 | 4,619 |
| Average earning assets | $108,262,670 | 4,674 |
| Average equity | $12,759,330 | 4,609 |
| Average total loans | $58,364,670 | 5,408 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3099% | 5,855 |
| Cost of funding earning assets | 1.1660% | 7,378 |
| Net interest margin | 4.1440% | 2,107 |
| Noninterest income to average assets | 0.8914% | 1,888 |
| Noninterest expense to average assets | 3.3251% | 2,584 |
| Loan and lease loss provision to assets | 0.0601% | 6,204 |
| Net operating income to assets | 1.2319% | 1,556 |
| Return on assets (ROA) | 1.2319% | 1,668 |
| Pretax return on assets | 1.2319% | 2,513 |
| Return on Equity (ROE) | 11.8511% | 1,712 |
| Retained earnings to average equity (ytd only) | 11.8511% | 819 |
| Net charge-offs to loans | 0.0700% | 4,496 |
| Credit loss provision to net charge-offs | 180.0000% | 2,412 |
| Earnings coverage of net charge-offs (x) | 38.7000% | 877 |
| Efficiency ratio | 72.0174% | 4,190 |
| Assets per employee ($millions) | 3.3974% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 5,835 |
| Loan loss allowance to noncurrent loans | 92.9577% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 5,427 |
| Noncurrent loans to loans | 1.1245% | 4,738 |
| Net loans and leases to total assets | 45.9765% | 7,192 |
| Net loans and leases to deposits | 53.2752% | 7,328 |
| Net loans and leases to core deposits | 65.3093% | 7,263 |
| Total domestic deposits to total assets | 86.2999% | 2,556 |
| Equity capital to assets | 10.3306% | 3,623 |
| Core capital (leverage) ratio | 11.1006% | 2,430 |
| Tier 1 risk-based capital ratio | 19.5999% | 1,698 |
| Total risk-based capital ratio | 20.4749% | 1,730 |
| Memoranda: | ||
| Average total assets | $119,817,500 | 4,661 |
| Average earning assets | $107,723,000 | 4,697 |
| Average equity | $12,454,500 | 4,717 |
| Average total loans | $57,123,500 | 5,490 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7318% | 6,672 |
| Cost of funding earning assets | 1.7451% | 7,149 |
| Net interest margin | 3.9867% | 3,180 |
| Noninterest income to average assets | 0.9839% | 1,629 |
| Noninterest expense to average assets | 3.3994% | 2,685 |
| Loan and lease loss provision to assets | 0.0530% | 6,752 |
| Net operating income to assets | 0.7442% | 3,697 |
| Return on assets (ROA) | 0.7448% | 3,536 |
| Pretax return on assets | 1.1052% | 3,010 |
| Return on Equity (ROE) | 6.5647% | 3,723 |
| Retained earnings to average equity (ytd only) | -13.5208% | 7,373 |
| Net charge-offs to loans | 0.1483% | 4,724 |
| Credit loss provision to net charge-offs | 73.8095% | 6,013 |
| Earnings coverage of net charge-offs (x) | 16.1310% | 1,867 |
| Efficiency ratio | 74.6017% | 3,478 |
| Assets per employee ($millions) | 3.2591% | 5,313 |
| Cash dividends to net income (ytd only)* | 305.9633% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 5,846 |
| Loan loss allowance to noncurrent loans | 70.7729% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 0.8830% | 4,647 |
| Noncurrent loans to loans | 1.4420% | 3,639 |
| Net loans and leases to total assets | 48.4407% | 7,156 |
| Net loans and leases to deposits | 56.3057% | 7,298 |
| Net loans and leases to core deposits | 68.3647% | 7,270 |
| Total domestic deposits to total assets | 86.0316% | 2,386 |
| Equity capital to assets | 10.4612% | 3,546 |
| Core capital (leverage) ratio | 11.0992% | 2,510 |
| Tier 1 risk-based capital ratio | 19.2854% | 1,755 |
| Total risk-based capital ratio | 20.1589% | 1,789 |
| Memoranda: | ||
| Average total assets | $117,080,800 | 4,587 |
| Average earning assets | $104,922,600 | 4,649 |
| Average equity | $13,283,200 | 4,502 |
| Average total loans | $56,632,200 | 5,422 |