Home > Union Bank & Trust Company > Performance and Condition Ratios
Union Bank & 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 | 5.2404% | 1,592 |
| Cost of funding earning assets | 1.4101% | 2,205 |
| Net interest margin | 3.8303% | 1,512 |
| Noninterest income to average assets | 2.5100% | 216 |
| Noninterest expense to average assets | 2.9519% | 1,188 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 2.8927% | 174 |
| Return on assets (ROA) | 2.8788% | 176 |
| Pretax return on assets | 2.8788% | 229 |
| Return on Equity (ROE) | 38.6300% | 94 |
| Retained earnings to average equity (ytd only) | 11.8301% | 652 |
| Net charge-offs to loans | 0.1205% | 808 |
| Credit loss provision to net charge-offs | 263.1579% | 1,035 |
| Earnings coverage of net charge-offs (x) | 34.5902% | 1,542 |
| Efficiency ratio | 48.5288% | 4,063 |
| Assets per employee ($millions) | 5.1643% | 3,510 |
| Cash dividends to net income (ytd only)* | 69.3735% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6823% | 693 |
| Loan loss allowance to noncurrent loans | 358.4527% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 1,236 |
| Noncurrent loans to loans | 0.4693% | 1,610 |
| Net loans and leases to total assets | 74.5100% | 1,293 |
| Net loans and leases to deposits | 87.9069% | 1,445 |
| Net loans and leases to core deposits | 95.9501% | 1,656 |
| Total domestic deposits to total assets | 84.7600% | 2,391 |
| Equity capital to assets | 8.2639% | 3,233 |
| Core capital (leverage) ratio | 10.6044% | 2,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $293,874,400 | 2,452 |
| Average earning assets | $274,024,400 | 2,441 |
| Average equity | $21,901,800 | 2,705 |
| Average total loans | $220,734,800 | 2,157 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1247% | 1,582 |
| Cost of funding earning assets | 1.2784% | 2,201 |
| Net interest margin | 3.8463% | 1,504 |
| Noninterest income to average assets | 2.9300% | 199 |
| Noninterest expense to average assets | 2.9441% | 1,149 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 3.3305% | 145 |
| Return on assets (ROA) | 3.3119% | 147 |
| Pretax return on assets | 3.3119% | 182 |
| Return on Equity (ROE) | 45.6700% | 87 |
| Retained earnings to average equity (ytd only) | 29.7204% | 93 |
| Net charge-offs to loans | 0.0908% | 840 |
| Credit loss provision to net charge-offs | 350.0000% | 793 |
| Earnings coverage of net charge-offs (x) | 52.4000% | 1,285 |
| Efficiency ratio | 45.2036% | 4,179 |
| Assets per employee ($millions) | 5.2525% | 3,386 |
| Cash dividends to net income (ytd only)* | 34.9191% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 705 |
| Loan loss allowance to noncurrent loans | 248.5437% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.5253% | 1,109 |
| Noncurrent loans to loans | 0.6826% | 1,212 |
| Net loans and leases to total assets | 75.6400% | 1,159 |
| Net loans and leases to deposits | 87.5452% | 1,425 |
| Net loans and leases to core deposits | 95.5299% | 1,583 |
| Total domestic deposits to total assets | 86.4000% | 2,067 |
| Equity capital to assets | 7.8966% | 3,122 |
| Core capital (leverage) ratio | 11.1544% | 1,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $293,643,000 | 2,458 |
| Average earning assets | $273,362,750 | 2,453 |
| Average equity | $21,295,750 | 2,737 |
| Average total loans | $220,145,250 | 2,156 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9785% | 1,597 |
| Cost of funding earning assets | 1.1120% | 2,246 |
| Net interest margin | 3.8665% | 1,496 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 2.6687% | 1,724 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.4877% | 1,128 |
| Return on assets (ROA) | 1.4597% | 1,177 |
| Pretax return on assets | 1.4597% | 1,678 |
| Return on Equity (ROE) | 20.7400% | 636 |
| Retained earnings to average equity (ytd only) | 4.4838% | 3,086 |
| Net charge-offs to loans | 0.1229% | 592 |
| Credit loss provision to net charge-offs | 111.9403% | 1,368 |
| Earnings coverage of net charge-offs (x) | 17.4104% | 1,804 |
| Efficiency ratio | 62.6660% | 2,633 |
| Assets per employee ($millions) | 5.4416% | 3,198 |
| Cash dividends to net income (ytd only)* | 78.3847% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 1,106 |
| Loan loss allowance to noncurrent loans | 214.0836% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5433% | 1,000 |
| Noncurrent loans to loans | 0.7129% | 1,045 |
| Net loans and leases to total assets | 75.0500% | 1,157 |
| Net loans and leases to deposits | 88.2325% | 1,322 |
| Net loans and leases to core deposits | 96.0359% | 1,466 |
| Total domestic deposits to total assets | 85.0500% | 2,531 |
| Equity capital to assets | 6.9421% | 3,827 |
| Core capital (leverage) ratio | 9.8300% | 2,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $293,477,667 | 2,463 |
| Average earning assets | $272,493,000 | 2,463 |
| Average equity | $20,652,000 | 2,804 |
| Average total loans | $218,083,667 | 2,166 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8270% | 1,562 |
| Cost of funding earning assets | 0.8667% | 2,484 |
| Net interest margin | 3.9603% | 1,346 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.6376% | 1,851 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.5955% | 987 |
| Return on assets (ROA) | 1.5955% | 986 |
| Pretax return on assets | 1.5955% | 1,472 |
| Return on Equity (ROE) | 22.5200% | 546 |
| Retained earnings to average equity (ytd only) | 12.5307% | 1,173 |
| Net charge-offs to loans | 0.0038% | 1,858 |
| Credit loss provision to net charge-offs | 3,750.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 617.0000% | 183 |
| Efficiency ratio | 60.8254% | 2,842 |
| Assets per employee ($millions) | 5.4392% | 3,284 |
| Cash dividends to net income (ytd only)* | 44.3486% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6212% | 972 |
| Loan loss allowance to noncurrent loans | 563.3758% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 2,068 |
| Noncurrent loans to loans | 0.2878% | 2,116 |
| Net loans and leases to total assets | 73.1000% | 1,311 |
| Net loans and leases to deposits | 84.1206% | 1,490 |
| Net loans and leases to core deposits | 91.0268% | 1,564 |
| Total domestic deposits to total assets | 86.8900% | 2,308 |
| Equity capital to assets | 7.3421% | 3,651 |
| Core capital (leverage) ratio | 10.1403% | 2,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $290,572,500 | 2,515 |
| Average earning assets | $269,067,500 | 2,512 |
| Average equity | $20,589,500 | 2,833 |
| Average total loans | $213,083,500 | 2,221 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 1,150 |
| Cost of funding earning assets | 0.3796% | 2,261 |
| Net interest margin | 3.8751% | 1,014 |
| Noninterest income to average assets | 0.8500% | 895 |
| Noninterest expense to average assets | 2.6188% | 1,778 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.6493% | 605 |
| Return on assets (ROA) | 1.6493% | 574 |
| Pretax return on assets | 1.6493% | 1,040 |
| Return on Equity (ROE) | 21.5000% | 365 |
| Retained earnings to average equity (ytd only) | 8.1574% | 1,771 |
| Net charge-offs to loans | 0.0635% | 1,011 |
| Credit loss provision to net charge-offs | 403.2258% | 774 |
| Earnings coverage of net charge-offs (x) | 41.2016% | 1,485 |
| Efficiency ratio | 58.8879% | 3,208 |
| Assets per employee ($millions) | 5.4232% | 3,290 |
| Cash dividends to net income (ytd only)* | 62.0525% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6664% | 848 |
| Loan loss allowance to noncurrent loans | 626.5823% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 2,214 |
| Noncurrent loans to loans | 0.2659% | 2,204 |
| Net loans and leases to total assets | 71.1400% | 1,509 |
| Net loans and leases to deposits | 78.5208% | 1,892 |
| Net loans and leases to core deposits | 84.9794% | 1,818 |
| Total domestic deposits to total assets | 90.6000% | 1,107 |
| Equity capital to assets | 6.8240% | 3,757 |
| Core capital (leverage) ratio | 10.1093% | 2,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $279,444,400 | 2,554 |
| Average earning assets | $259,734,400 | 2,552 |
| Average equity | $21,440,600 | 2,819 |
| Average total loans | $195,168,600 | 2,273 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1113% | 1,043 |
| Cost of funding earning assets | 0.3231% | 1,933 |
| Net interest margin | 3.7881% | 965 |
| Noninterest income to average assets | 0.8800% | 864 |
| Noninterest expense to average assets | 2.5647% | 1,810 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.7055% | 524 |
| Return on assets (ROA) | 1.7055% | 513 |
| Pretax return on assets | 1.7055% | 895 |
| Return on Equity (ROE) | 21.6100% | 315 |
| Retained earnings to average equity (ytd only) | 6.3507% | 2,617 |
| Net charge-offs to loans | 0.0424% | 1,070 |
| Credit loss provision to net charge-offs | 450.8197% | 648 |
| Earnings coverage of net charge-offs (x) | 62.6885% | 1,151 |
| Efficiency ratio | 58.2578% | 3,356 |
| Assets per employee ($millions) | 5.3741% | 3,351 |
| Cash dividends to net income (ytd only)* | 70.6114% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5867% | 1,090 |
| Loan loss allowance to noncurrent loans | 485.8824% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 2,030 |
| Noncurrent loans to loans | 0.3266% | 2,061 |
| Net loans and leases to total assets | 71.9500% | 1,304 |
| Net loans and leases to deposits | 79.2376% | 1,617 |
| Net loans and leases to core deposits | 84.2292% | 1,634 |
| Total domestic deposits to total assets | 90.8000% | 1,318 |
| Equity capital to assets | 6.3354% | 3,829 |
| Core capital (leverage) ratio | 9.9261% | 2,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $277,448,750 | 2,582 |
| Average earning assets | $258,309,000 | 2,583 |
| Average equity | $21,897,250 | 2,831 |
| Average total loans | $191,977,250 | 2,289 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0063% | 929 |
| Cost of funding earning assets | 0.3106% | 1,618 |
| Net interest margin | 3.6957% | 918 |
| Noninterest income to average assets | 0.9309% | 786 |
| Noninterest expense to average assets | 2.5325% | 1,830 |
| Loan and lease loss provision to assets | 0.1091% | 912 |
| Net operating income to assets | 1.7252% | 401 |
| Return on assets (ROA) | 1.7252% | 397 |
| Pretax return on assets | 1.7252% | 707 |
| Return on Equity (ROE) | 20.4647% | 277 |
| Retained earnings to average equity (ytd only) | 7.2213% | 1,907 |
| Net charge-offs to loans | 0.0547% | 840 |
| Credit loss provision to net charge-offs | 294.1176% | 805 |
| Earnings coverage of net charge-offs (x) | 49.4510% | 1,163 |
| Efficiency ratio | 57.9947% | 3,563 |
| Assets per employee ($millions) | 5.1797% | 3,526 |
| Cash dividends to net income (ytd only)* | 64.7133% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6307% | 1,084 |
| Loan loss allowance to noncurrent loans | 1,442.9864% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 3,181 |
| Noncurrent loans to loans | 0.1130% | 3,177 |
| Net loans and leases to total assets | 70.0724% | 1,292 |
| Net loans and leases to deposits | 78.3477% | 1,514 |
| Net loans and leases to core deposits | 84.3389% | 1,434 |
| Total domestic deposits to total assets | 89.4378% | 1,984 |
| Equity capital to assets | 7.3279% | 3,585 |
| Core capital (leverage) ratio | 10.0690% | 2,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,988,667 | 2,617 |
| Average earning assets | $255,646,333 | 2,626 |
| Average equity | $23,181,333 | 2,803 |
| Average total loans | $186,561,000 | 2,336 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8798% | 957 |
| Cost of funding earning assets | 0.3171% | 1,489 |
| Net interest margin | 3.5627% | 958 |
| Noninterest income to average assets | 0.7151% | 1,266 |
| Noninterest expense to average assets | 2.4955% | 1,895 |
| Loan and lease loss provision to assets | 0.1090% | 764 |
| Net operating income to assets | 1.4258% | 746 |
| Return on assets (ROA) | 1.4258% | 745 |
| Pretax return on assets | 1.4258% | 1,187 |
| Return on Equity (ROE) | 15.8780% | 547 |
| Retained earnings to average equity (ytd only) | 7.9956% | 1,587 |
| Net charge-offs to loans | 0.1274% | 442 |
| Credit loss provision to net charge-offs | 129.3103% | 905 |
| Earnings coverage of net charge-offs (x) | 18.2069% | 1,310 |
| Efficiency ratio | 61.9185% | 3,270 |
| Assets per employee ($millions) | 5.2165% | 3,573 |
| Cash dividends to net income (ytd only)* | 49.6432% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6775% | 1,091 |
| Loan loss allowance to noncurrent loans | 2,589.1667% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 3,421 |
| Noncurrent loans to loans | 0.0648% | 3,526 |
| Net loans and leases to total assets | 67.1351% | 1,297 |
| Net loans and leases to deposits | 76.3879% | 1,411 |
| Net loans and leases to core deposits | 83.1999% | 1,285 |
| Total domestic deposits to total assets | 87.8871% | 2,577 |
| Equity capital to assets | 8.5156% | 3,147 |
| Core capital (leverage) ratio | 9.7771% | 2,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1601% | 1,740 |
| Memoranda: | ||
| Average total assets | $275,220,000 | 2,627 |
| Average earning assets | $256,098,500 | 2,643 |
| Average equity | $24,713,500 | 2,793 |
| Average total loans | $182,063,500 | 2,361 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2788% | 875 |
| Cost of funding earning assets | 0.4351% | 1,287 |
| Net interest margin | 3.8437% | 933 |
| Noninterest income to average assets | 1.4039% | 561 |
| Noninterest expense to average assets | 2.4747% | 2,259 |
| Loan and lease loss provision to assets | 0.2501% | 370 |
| Net operating income to assets | 2.2548% | 222 |
| Return on assets (ROA) | 2.2581% | 231 |
| Pretax return on assets | 2.2581% | 373 |
| Return on Equity (ROE) | 23.8292% | 148 |
| Retained earnings to average equity (ytd only) | 8.4399% | 1,372 |
| Net charge-offs to loans | 0.0271% | 1,699 |
| Credit loss provision to net charge-offs | 1,315.6863% | 434 |
| Earnings coverage of net charge-offs (x) | 131.7843% | 733 |
| Efficiency ratio | 49.6969% | 4,306 |
| Assets per employee ($millions) | 5.5837% | 3,177 |
| Cash dividends to net income (ytd only)* | 64.5816% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7271% | 987 |
| Loan loss allowance to noncurrent loans | 1,652.4064% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 3,336 |
| Noncurrent loans to loans | 0.1045% | 3,404 |
| Net loans and leases to total assets | 62.9771% | 1,827 |
| Net loans and leases to deposits | 72.6850% | 1,844 |
| Net loans and leases to core deposits | 79.0698% | 1,669 |
| Total domestic deposits to total assets | 86.6439% | 2,648 |
| Equity capital to assets | 9.4303% | 3,201 |
| Core capital (leverage) ratio | 9.5555% | 2,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2604% | 1,752 |
| Memoranda: | ||
| Average total assets | $268,317,400 | 2,612 |
| Average earning assets | $249,604,000 | 2,618 |
| Average equity | $25,426,800 | 2,820 |
| Average total loans | $188,087,000 | 2,317 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9190% | 1,709 |
| Cost of funding earning assets | 0.4642% | 1,260 |
| Net interest margin | 3.4548% | 1,995 |
| Noninterest income to average assets | 1.9623% | 365 |
| Noninterest expense to average assets | 2.4492% | 2,276 |
| Loan and lease loss provision to assets | 0.2361% | 403 |
| Net operating income to assets | 2.4864% | 216 |
| Return on assets (ROA) | 2.4894% | 218 |
| Pretax return on assets | 2.4894% | 340 |
| Return on Equity (ROE) | 26.2359% | 145 |
| Retained earnings to average equity (ytd only) | 7.2534% | 2,330 |
| Net charge-offs to loans | 0.0161% | 1,751 |
| Credit loss provision to net charge-offs | 2,043.4783% | 321 |
| Earnings coverage of net charge-offs (x) | 235.7826% | 505 |
| Efficiency ratio | 47.3597% | 4,423 |
| Assets per employee ($millions) | 5.5660% | 3,129 |
| Cash dividends to net income (ytd only)* | 72.3533% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5246% | 1,536 |
| Loan loss allowance to noncurrent loans | 687.9717% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.1728% | 2,971 |
| Noncurrent loans to loans | 0.2216% | 3,063 |
| Net loans and leases to total assets | 67.7026% | 1,354 |
| Net loans and leases to deposits | 78.2573% | 1,464 |
| Net loans and leases to core deposits | 88.6464% | 1,116 |
| Total domestic deposits to total assets | 86.5128% | 2,549 |
| Equity capital to assets | 9.3223% | 3,536 |
| Core capital (leverage) ratio | 9.2540% | 3,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1069% | 2,321 |
| Memoranda: | ||
| Average total assets | $265,600,750 | 2,660 |
| Average earning assets | $246,722,750 | 2,660 |
| Average equity | $25,201,500 | 2,868 |
| Average total loans | $190,380,750 | 2,338 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9350% | 1,727 |
| Cost of funding earning assets | 0.4861% | 1,285 |
| Net interest margin | 3.4489% | 2,013 |
| Noninterest income to average assets | 0.9596% | 1,137 |
| Noninterest expense to average assets | 2.4487% | 2,313 |
| Loan and lease loss provision to assets | 0.2058% | 537 |
| Net operating income to assets | 1.5082% | 1,264 |
| Return on assets (ROA) | 1.5128% | 1,322 |
| Pretax return on assets | 1.5128% | 1,976 |
| Return on Equity (ROE) | 15.8452% | 983 |
| Retained earnings to average equity (ytd only) | 2.9174% | 3,863 |
| Net charge-offs to loans | 0.0126% | 1,701 |
| Credit loss provision to net charge-offs | 2,241.6667% | 267 |
| Earnings coverage of net charge-offs (x) | 186.6667% | 516 |
| Efficiency ratio | 58.8235% | 3,171 |
| Assets per employee ($millions) | 5.3610% | 3,276 |
| Cash dividends to net income (ytd only)* | 81.5883% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 1,869 |
| Loan loss allowance to noncurrent loans | 882.5243% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 3,108 |
| Noncurrent loans to loans | 0.1614% | 3,409 |
| Net loans and leases to total assets | 69.0142% | 1,323 |
| Net loans and leases to deposits | 79.7785% | 1,447 |
| Net loans and leases to core deposits | 91.7344% | 1,024 |
| Total domestic deposits to total assets | 86.5072% | 2,548 |
| Equity capital to assets | 9.1668% | 3,638 |
| Core capital (leverage) ratio | 9.2821% | 3,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3145% | 2,245 |
| Memoranda: | ||
| Average total assets | $261,367,333 | 2,672 |
| Average earning assets | $242,746,667 | 2,679 |
| Average equity | $24,954,000 | 2,885 |
| Average total loans | $190,063,000 | 2,347 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9999% | 1,614 |
| Cost of funding earning assets | 0.5086% | 1,338 |
| Net interest margin | 3.4913% | 1,845 |
| Noninterest income to average assets | 0.8146% | 1,549 |
| Noninterest expense to average assets | 2.4422% | 2,352 |
| Loan and lease loss provision to assets | 0.1410% | 948 |
| Net operating income to assets | 1.4678% | 1,399 |
| Return on assets (ROA) | 1.4678% | 1,463 |
| Pretax return on assets | 1.4678% | 2,079 |
| Return on Equity (ROE) | 15.0525% | 1,201 |
| Retained earnings to average equity (ytd only) | 3.9519% | 3,517 |
| Net charge-offs to loans | 0.0084% | 1,610 |
| Credit loss provision to net charge-offs | 2,250.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 256.7500% | 336 |
| Efficiency ratio | 60.2862% | 2,998 |
| Assets per employee ($millions) | 5.3118% | 3,325 |
| Cash dividends to net income (ytd only)* | 73.7460% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 2,122 |
| Loan loss allowance to noncurrent loans | 1,183.3333% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 3,544 |
| Noncurrent loans to loans | 0.1153% | 3,731 |
| Net loans and leases to total assets | 70.9927% | 1,156 |
| Net loans and leases to deposits | 82.4914% | 1,302 |
| Net loans and leases to core deposits | 95.2263% | 921 |
| Total domestic deposits to total assets | 86.0607% | 2,714 |
| Equity capital to assets | 9.5390% | 3,157 |
| Core capital (leverage) ratio | 9.7197% | 2,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1286% | 2,237 |
| Memoranda: | ||
| Average total assets | $255,345,000 | 2,704 |
| Average earning assets | $236,705,500 | 2,699 |
| Average equity | $24,899,500 | 2,880 |
| Average total loans | $189,384,500 | 2,354 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5722% | 1,150 |
| Cost of funding earning assets | 0.7338% | 1,548 |
| Net interest margin | 3.8384% | 1,399 |
| Noninterest income to average assets | 1.2809% | 694 |
| Noninterest expense to average assets | 2.6565% | 2,366 |
| Loan and lease loss provision to assets | 0.3356% | 1,049 |
| Net operating income to assets | 1.8175% | 371 |
| Return on assets (ROA) | 1.8214% | 399 |
| Pretax return on assets | 1.8214% | 655 |
| Return on Equity (ROE) | 18.0138% | 332 |
| Retained earnings to average equity (ytd only) | 6.3509% | 1,648 |
| Net charge-offs to loans | 0.0551% | 1,998 |
| Credit loss provision to net charge-offs | 802.0408% | 899 |
| Earnings coverage of net charge-offs (x) | 51.4592% | 1,170 |
| Efficiency ratio | 55.2330% | 4,073 |
| Assets per employee ($millions) | 4.8156% | 3,593 |
| Cash dividends to net income (ytd only)* | 64.7445% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 2,461 |
| Loan loss allowance to noncurrent loans | 2,147.8261% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 3,855 |
| Noncurrent loans to loans | 0.0601% | 4,055 |
| Net loans and leases to total assets | 75.4615% | 850 |
| Net loans and leases to deposits | 88.2844% | 1,061 |
| Net loans and leases to core deposits | 101.7533% | 823 |
| Total domestic deposits to total assets | 85.4755% | 2,584 |
| Equity capital to assets | 9.9720% | 3,154 |
| Core capital (leverage) ratio | 9.9710% | 2,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0171% | 2,229 |
| Memoranda: | ||
| Average total assets | $234,219,200 | 2,690 |
| Average earning assets | $215,322,600 | 2,706 |
| Average equity | $23,681,800 | 2,893 |
| Average total loans | $177,792,000 | 2,429 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6537% | 1,179 |
| Cost of funding earning assets | 0.7940% | 1,528 |
| Net interest margin | 3.8597% | 1,448 |
| Noninterest income to average assets | 1.1469% | 799 |
| Noninterest expense to average assets | 2.6501% | 2,385 |
| Loan and lease loss provision to assets | 0.3072% | 1,305 |
| Net operating income to assets | 1.7320% | 539 |
| Return on assets (ROA) | 1.7401% | 587 |
| Pretax return on assets | 1.7401% | 889 |
| Return on Equity (ROE) | 17.1461% | 432 |
| Retained earnings to average equity (ytd only) | 4.6176% | 2,733 |
| Net charge-offs to loans | 0.0489% | 1,912 |
| Credit loss provision to net charge-offs | 828.1250% | 955 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 1,142 |
| Efficiency ratio | 56.5164% | 3,861 |
| Assets per employee ($millions) | 4.9836% | 3,269 |
| Cash dividends to net income (ytd only)* | 73.0692% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 2,879 |
| Loan loss allowance to noncurrent loans | 577.8920% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 3,400 |
| Noncurrent loans to loans | 0.2010% | 3,582 |
| Net loans and leases to total assets | 78.3403% | 793 |
| Net loans and leases to deposits | 91.9130% | 1,076 |
| Net loans and leases to core deposits | 107.0166% | 804 |
| Total domestic deposits to total assets | 85.2332% | 2,347 |
| Equity capital to assets | 9.8560% | 3,374 |
| Core capital (leverage) ratio | 9.6792% | 3,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1879% | 2,539 |
| Memoranda: | ||
| Average total assets | $230,171,250 | 2,701 |
| Average earning assets | $211,239,000 | 2,717 |
| Average equity | $23,359,500 | 2,912 |
| Average total loans | $174,381,500 | 2,450 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7250% | 1,347 |
| Cost of funding earning assets | 0.8486% | 1,608 |
| Net interest margin | 3.8764% | 1,632 |
| Noninterest income to average assets | 1.0714% | 869 |
| Noninterest expense to average assets | 2.7025% | 2,378 |
| Loan and lease loss provision to assets | 0.2883% | 1,489 |
| Net operating income to assets | 1.6257% | 721 |
| Return on assets (ROA) | 1.6320% | 776 |
| Pretax return on assets | 1.6320% | 1,151 |
| Return on Equity (ROE) | 15.9147% | 581 |
| Retained earnings to average equity (ytd only) | 5.3971% | 2,308 |
| Net charge-offs to loans | 0.0440% | 1,863 |
| Credit loss provision to net charge-offs | 878.3784% | 859 |
| Earnings coverage of net charge-offs (x) | 58.3243% | 985 |
| Efficiency ratio | 58.5399% | 3,624 |
| Assets per employee ($millions) | 4.7515% | 3,469 |
| Cash dividends to net income (ytd only)* | 66.0870% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 2,913 |
| Loan loss allowance to noncurrent loans | 341.0214% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 3,331 |
| Noncurrent loans to loans | 0.3292% | 3,210 |
| Net loans and leases to total assets | 73.7864% | 1,440 |
| Net loans and leases to deposits | 86.2900% | 1,732 |
| Net loans and leases to core deposits | 98.6531% | 1,359 |
| Total domestic deposits to total assets | 85.5098% | 2,200 |
| Equity capital to assets | 9.6451% | 3,527 |
| Core capital (leverage) ratio | 10.1512% | 2,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4533% | 2,418 |
| Memoranda: | ||
| Average total assets | $225,496,333 | 2,716 |
| Average earning assets | $206,221,333 | 2,738 |
| Average equity | $23,123,333 | 2,923 |
| Average total loans | $167,991,333 | 2,487 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9384% | 1,094 |
| Cost of funding earning assets | 0.9488% | 1,647 |
| Net interest margin | 3.9895% | 1,420 |
| Noninterest income to average assets | 0.9483% | 958 |
| Noninterest expense to average assets | 2.8523% | 2,268 |
| Loan and lease loss provision to assets | 0.2329% | 1,329 |
| Net operating income to assets | 1.5370% | 717 |
| Return on assets (ROA) | 1.5500% | 766 |
| Pretax return on assets | 1.5500% | 1,182 |
| Return on Equity (ROE) | 14.6160% | 599 |
| Retained earnings to average equity (ytd only) | 5.8324% | 1,945 |
| Net charge-offs to loans | 0.0300% | 1,779 |
| Credit loss provision to net charge-offs | 1,041.6667% | 554 |
| Earnings coverage of net charge-offs (x) | 79.1667% | 675 |
| Efficiency ratio | 61.7090% | 3,528 |
| Assets per employee ($millions) | 4.2587% | 3,583 |
| Cash dividends to net income (ytd only)* | 60.0962% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 2,786 |
| Loan loss allowance to noncurrent loans | 405.7816% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 3,631 |
| Noncurrent loans to loans | 0.2901% | 3,458 |
| Net loans and leases to total assets | 71.8258% | 1,949 |
| Net loans and leases to deposits | 83.8879% | 2,248 |
| Net loans and leases to core deposits | 96.5480% | 1,748 |
| Total domestic deposits to total assets | 85.6212% | 2,160 |
| Equity capital to assets | 10.1806% | 3,622 |
| Core capital (leverage) ratio | 10.5146% | 2,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2105% | 1,840 |
| Memoranda: | ||
| Average total assets | $214,705,500 | 2,753 |
| Average earning assets | $197,717,500 | 2,762 |
| Average equity | $22,769,500 | 2,942 |
| Average total loans | $159,797,000 | 2,543 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9860% | 1,521 |
| Cost of funding earning assets | 1.0111% | 1,679 |
| Net interest margin | 3.9749% | 1,926 |
| Noninterest income to average assets | 1.1853% | 673 |
| Noninterest expense to average assets | 2.9166% | 2,244 |
| Loan and lease loss provision to assets | 0.1663% | 1,256 |
| Net operating income to assets | 1.7437% | 600 |
| Return on assets (ROA) | 1.7437% | 637 |
| Pretax return on assets | 1.7437% | 1,080 |
| Return on Equity (ROE) | 16.7537% | 447 |
| Retained earnings to average equity (ytd only) | 5.5252% | 2,148 |
| Net charge-offs to loans | 0.0274% | 2,847 |
| Credit loss provision to net charge-offs | 813.9535% | 407 |
| Earnings coverage of net charge-offs (x) | 93.4651% | 714 |
| Efficiency ratio | 60.4273% | 3,628 |
| Assets per employee ($millions) | 4.3325% | 3,457 |
| Cash dividends to net income (ytd only)* | 67.0210% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 2,826 |
| Loan loss allowance to noncurrent loans | 201.0158% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.4309% | 2,668 |
| Noncurrent loans to loans | 0.5585% | 2,502 |
| Net loans and leases to total assets | 75.4275% | 1,517 |
| Net loans and leases to deposits | 89.2751% | 1,666 |
| Net loans and leases to core deposits | 103.1350% | 1,298 |
| Total domestic deposits to total assets | 84.4888% | 2,688 |
| Equity capital to assets | 11.0569% | 2,939 |
| Core capital (leverage) ratio | 10.8741% | 2,615 |
| Tier 1 risk-based capital ratio | 13.8558% | 3,336 |
| Total risk-based capital ratio | 14.9314% | 3,324 |
| Memoranda: | ||
| Average total assets | $210,416,800 | 2,750 |
| Average earning assets | $192,759,000 | 2,776 |
| Average equity | $21,899,600 | 2,970 |
| Average total loans | $157,217,000 | 2,544 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9340% | 1,720 |
| Cost of funding earning assets | 1.0061% | 1,738 |
| Net interest margin | 3.9279% | 2,169 |
| Noninterest income to average assets | 1.0848% | 781 |
| Noninterest expense to average assets | 2.8924% | 2,284 |
| Loan and lease loss provision to assets | 0.1422% | 1,355 |
| Net operating income to assets | 1.6465% | 832 |
| Return on assets (ROA) | 1.6465% | 879 |
| Pretax return on assets | 1.6465% | 1,480 |
| Return on Equity (ROE) | 16.0667% | 595 |
| Retained earnings to average equity (ytd only) | 4.1801% | 3,315 |
| Net charge-offs to loans | 0.0179% | 2,777 |
| Credit loss provision to net charge-offs | 1,071.4286% | 326 |
| Earnings coverage of net charge-offs (x) | 134.8061% | 589 |
| Efficiency ratio | 61.7897% | 3,353 |
| Assets per employee ($millions) | 3.9144% | 4,006 |
| Cash dividends to net income (ytd only)* | 73.9830% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 3,354 |
| Loan loss allowance to noncurrent loans | 170.1826% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 2,660 |
| Noncurrent loans to loans | 0.6098% | 2,455 |
| Net loans and leases to total assets | 75.6968% | 1,533 |
| Net loans and leases to deposits | 90.7600% | 1,596 |
| Net loans and leases to core deposits | 104.8875% | 1,268 |
| Total domestic deposits to total assets | 83.4033% | 3,024 |
| Equity capital to assets | 10.5710% | 3,486 |
| Core capital (leverage) ratio | 10.4280% | 3,158 |
| Tier 1 risk-based capital ratio | 13.2466% | 3,718 |
| Total risk-based capital ratio | 14.2439% | 3,753 |
| Memoranda: | ||
| Average total assets | $211,031,000 | 2,765 |
| Average earning assets | $193,211,000 | 2,788 |
| Average equity | $21,626,000 | 3,011 |
| Average total loans | $156,861,250 | 2,577 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8361% | 1,951 |
| Cost of funding earning assets | 0.9841% | 1,777 |
| Net interest margin | 3.8521% | 2,403 |
| Noninterest income to average assets | 1.1464% | 649 |
| Noninterest expense to average assets | 2.9358% | 2,178 |
| Loan and lease loss provision to assets | 0.1185% | 1,578 |
| Net operating income to assets | 1.6073% | 891 |
| Return on assets (ROA) | 1.6073% | 931 |
| Pretax return on assets | 1.6073% | 1,527 |
| Return on Equity (ROE) | 15.8512% | 615 |
| Retained earnings to average equity (ytd only) | 4.5076% | 3,015 |
| Net charge-offs to loans | 0.0090% | 2,813 |
| Credit loss provision to net charge-offs | 1,785.7143% | 215 |
| Earnings coverage of net charge-offs (x) | 260.0000% | 311 |
| Efficiency ratio | 62.9780% | 3,289 |
| Assets per employee ($millions) | 4.1977% | 3,576 |
| Cash dividends to net income (ytd only)* | 71.5634% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 3,723 |
| Loan loss allowance to noncurrent loans | 189.1924% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 2,916 |
| Noncurrent loans to loans | 0.5199% | 2,722 |
| Net loans and leases to total assets | 74.9095% | 1,739 |
| Net loans and leases to deposits | 89.7883% | 1,761 |
| Net loans and leases to core deposits | 105.0387% | 1,301 |
| Total domestic deposits to total assets | 83.4290% | 3,064 |
| Equity capital to assets | 10.3090% | 3,686 |
| Core capital (leverage) ratio | 10.3477% | 3,243 |
| Tier 1 risk-based capital ratio | 13.0148% | 3,829 |
| Total risk-based capital ratio | 13.9534% | 3,909 |
| Memoranda: | ||
| Average total assets | $210,914,670 | 2,776 |
| Average earning assets | $192,468,670 | 2,801 |
| Average equity | $21,386,330 | 3,028 |
| Average total loans | $155,253,000 | 2,604 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7425% | 2,075 |
| Cost of funding earning assets | 0.9510% | 1,787 |
| Net interest margin | 3.7915% | 2,562 |
| Noninterest income to average assets | 0.8905% | 1,062 |
| Noninterest expense to average assets | 2.9714% | 2,071 |
| Loan and lease loss provision to assets | 0.0955% | 1,832 |
| Net operating income to assets | 1.2669% | 1,825 |
| Return on assets (ROA) | 1.2669% | 1,874 |
| Pretax return on assets | 1.2669% | 2,577 |
| Return on Equity (ROE) | 12.6019% | 1,357 |
| Retained earnings to average equity (ytd only) | 2.9081% | 3,775 |
| Net charge-offs to loans | -0.0026% | 3,902 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5626% | 2,555 |
| Assets per employee ($millions) | 3.9158% | 4,047 |
| Cash dividends to net income (ytd only)* | 76.9231% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 3,759 |
| Loan loss allowance to noncurrent loans | 479.8742% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 4,037 |
| Noncurrent loans to loans | 0.2068% | 3,845 |
| Net loans and leases to total assets | 73.3546% | 1,922 |
| Net loans and leases to deposits | 84.8014% | 2,284 |
| Net loans and leases to core deposits | 99.5078% | 1,662 |
| Total domestic deposits to total assets | 86.5017% | 2,069 |
| Equity capital to assets | 10.2791% | 3,545 |
| Core capital (leverage) ratio | 10.5250% | 3,025 |
| Tier 1 risk-based capital ratio | 13.7078% | 3,493 |
| Total risk-based capital ratio | 14.6691% | 3,552 |
| Memoranda: | ||
| Average total assets | $209,329,500 | 2,814 |
| Average earning assets | $190,110,000 | 2,850 |
| Average equity | $21,044,500 | 3,066 |
| Average total loans | $151,898,000 | 2,671 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6514% | 1,985 |
| Cost of funding earning assets | 0.7088% | 2,039 |
| Net interest margin | 3.9426% | 2,186 |
| Noninterest income to average assets | 0.9084% | 1,157 |
| Noninterest expense to average assets | 2.9782% | 2,104 |
| Loan and lease loss provision to assets | 0.0937% | 2,274 |
| Net operating income to assets | 1.4384% | 1,311 |
| Return on assets (ROA) | 1.4389% | 1,298 |
| Pretax return on assets | 1.4389% | 1,994 |
| Return on Equity (ROE) | 14.9499% | 843 |
| Retained earnings to average equity (ytd only) | 6.1945% | 2,095 |
| Net charge-offs to loans | 0.2888% | 673 |
| Credit loss provision to net charge-offs | 44.4695% | 3,240 |
| Earnings coverage of net charge-offs (x) | 7.2686% | 3,005 |
| Efficiency ratio | 66.0302% | 2,870 |
| Assets per employee ($millions) | 4.1396% | 3,697 |
| Cash dividends to net income (ytd only)* | 58.5648% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 3,787 |
| Loan loss allowance to noncurrent loans | 431.2865% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 1.9946% | 480 |
| Noncurrent loans to loans | 0.2280% | 3,765 |
| Net loans and leases to total assets | 70.3655% | 2,518 |
| Net loans and leases to deposits | 81.8600% | 2,753 |
| Net loans and leases to core deposits | 101.9497% | 1,584 |
| Total domestic deposits to total assets | 85.9584% | 2,254 |
| Equity capital to assets | 9.8313% | 3,833 |
| Core capital (leverage) ratio | 10.2631% | 3,292 |
| Tier 1 risk-based capital ratio | 13.4222% | 3,594 |
| Total risk-based capital ratio | 14.3385% | 3,686 |
| Memoranda: | ||
| Average total assets | $210,158,400 | 2,763 |
| Average earning assets | $192,007,000 | 2,805 |
| Average equity | $20,227,600 | 3,069 |
| Average total loans | $153,380,800 | 2,606 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5668% | 2,080 |
| Cost of funding earning assets | 0.6400% | 2,207 |
| Net interest margin | 3.9267% | 2,209 |
| Noninterest income to average assets | 0.9000% | 1,201 |
| Noninterest expense to average assets | 2.9706% | 2,108 |
| Loan and lease loss provision to assets | 0.0616% | 2,744 |
| Net operating income to assets | 1.4685% | 1,280 |
| Return on assets (ROA) | 1.4685% | 1,280 |
| Pretax return on assets | 1.4685% | 2,003 |
| Return on Equity (ROE) | 15.3397% | 815 |
| Retained earnings to average equity (ytd only) | 7.0793% | 2,087 |
| Net charge-offs to loans | 0.3795% | 427 |
| Credit loss provision to net charge-offs | 22.0957% | 3,005 |
| Earnings coverage of net charge-offs (x) | 5.4875% | 2,956 |
| Efficiency ratio | 66.0034% | 2,873 |
| Assets per employee ($millions) | 3.7816% | 4,198 |
| Cash dividends to net income (ytd only)* | 53.8495% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8941% | 4,287 |
| Loan loss allowance to noncurrent loans | 889.6774% | 660 |
| Noncurrent assets plus other real estate owned to assets | 1.9706% | 541 |
| Noncurrent loans to loans | 0.1005% | 4,435 |
| Net loans and leases to total assets | 72.1793% | 2,305 |
| Net loans and leases to deposits | 85.3845% | 2,434 |
| Net loans and leases to core deposits | 104.4149% | 1,427 |
| Total domestic deposits to total assets | 84.5344% | 2,783 |
| Equity capital to assets | 9.5270% | 4,050 |
| Core capital (leverage) ratio | 10.0884% | 3,536 |
| Tier 1 risk-based capital ratio | 12.8087% | 4,014 |
| Total risk-based capital ratio | 13.6332% | 4,157 |
| Memoranda: | ||
| Average total assets | $209,917,500 | 2,789 |
| Average earning assets | $192,487,750 | 2,816 |
| Average equity | $20,095,500 | 3,108 |
| Average total loans | $154,218,000 | 2,610 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4830% | 2,152 |
| Cost of funding earning assets | 0.5639% | 2,483 |
| Net interest margin | 3.9191% | 2,142 |
| Noninterest income to average assets | 0.8849% | 1,226 |
| Noninterest expense to average assets | 2.9622% | 2,161 |
| Loan and lease loss provision to assets | 0.0210% | 3,488 |
| Net operating income to assets | 1.5146% | 1,119 |
| Return on assets (ROA) | 1.5146% | 1,119 |
| Pretax return on assets | 1.5146% | 1,763 |
| Return on Equity (ROE) | 15.7955% | 711 |
| Retained earnings to average equity (ytd only) | 6.6969% | 2,212 |
| Net charge-offs to loans | 0.4915% | 312 |
| Credit loss provision to net charge-offs | 5.8047% | 2,746 |
| Earnings coverage of net charge-offs (x) | 4.2401% | 2,805 |
| Efficiency ratio | 65.8594% | 3,008 |
| Assets per employee ($millions) | 3.9775% | 3,936 |
| Cash dividends to net income (ytd only)* | 57.6025% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8654% | 4,496 |
| Loan loss allowance to noncurrent loans | 33.1631% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 2.1844% | 455 |
| Noncurrent loans to loans | 2.6095% | 481 |
| Net loans and leases to total assets | 74.1189% | 1,930 |
| Net loans and leases to deposits | 85.8531% | 2,334 |
| Net loans and leases to core deposits | 101.7345% | 1,579 |
| Total domestic deposits to total assets | 86.3322% | 2,124 |
| Equity capital to assets | 9.5256% | 4,073 |
| Core capital (leverage) ratio | 9.8911% | 3,690 |
| Tier 1 risk-based capital ratio | 12.6765% | 4,072 |
| Total risk-based capital ratio | 13.4988% | 4,218 |
| Memoranda: | ||
| Average total assets | $209,301,000 | 2,816 |
| Average earning assets | $192,952,670 | 2,823 |
| Average equity | $20,069,000 | 3,121 |
| Average total loans | $154,213,670 | 2,616 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 2,168 |
| Cost of funding earning assets | 0.5085% | 2,733 |
| Net interest margin | 3.9009% | 2,042 |
| Noninterest income to average assets | 0.8689% | 1,232 |
| Noninterest expense to average assets | 2.9442% | 2,214 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5152% | 1,045 |
| Return on assets (ROA) | 1.5152% | 1,045 |
| Pretax return on assets | 1.5152% | 1,646 |
| Return on Equity (ROE) | 15.7504% | 665 |
| Retained earnings to average equity (ytd only) | 9.6097% | 1,282 |
| Net charge-offs to loans | 0.2937% | 523 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 7.0536% | 2,121 |
| Efficiency ratio | 66.0215% | 3,150 |
| Assets per employee ($millions) | 4.2634% | 3,544 |
| Cash dividends to net income (ytd only)* | 38.9873% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 3,670 |
| Loan loss allowance to noncurrent loans | 40.3210% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 2.1660% | 490 |
| Noncurrent loans to loans | 2.6006% | 508 |
| Net loans and leases to total assets | 72.6363% | 2,070 |
| Net loans and leases to deposits | 85.6188% | 2,213 |
| Net loans and leases to core deposits | 99.1117% | 1,755 |
| Total domestic deposits to total assets | 84.8369% | 2,995 |
| Equity capital to assets | 9.5607% | 4,033 |
| Core capital (leverage) ratio | 9.9734% | 3,563 |
| Tier 1 risk-based capital ratio | 12.8493% | 4,034 |
| Total risk-based capital ratio | 13.8409% | 4,088 |
| Memoranda: | ||
| Average total assets | $208,546,500 | 2,859 |
| Average earning assets | $191,954,000 | 2,862 |
| Average equity | $20,063,000 | 3,151 |
| Average total loans | $152,513,500 | 2,654 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4491% | 1,882 |
| Cost of funding earning assets | 0.4391% | 2,885 |
| Net interest margin | 4.0101% | 1,720 |
| Noninterest income to average assets | 0.9866% | 1,053 |
| Noninterest expense to average assets | 2.8873% | 2,497 |
| Loan and lease loss provision to assets | 0.2515% | 738 |
| Net operating income to assets | 1.5276% | 758 |
| Return on assets (ROA) | 1.5262% | 763 |
| Pretax return on assets | 1.5262% | 1,537 |
| Return on Equity (ROE) | 16.4093% | 438 |
| Retained earnings to average equity (ytd only) | 4.1585% | 2,675 |
| Net charge-offs to loans | 0.3153% | 804 |
| Credit loss provision to net charge-offs | 109.7308% | 2,379 |
| Earnings coverage of net charge-offs (x) | 7.7619% | 2,997 |
| Efficiency ratio | 61.8733% | 3,957 |
| Assets per employee ($millions) | 3.9280% | 4,079 |
| Cash dividends to net income (ytd only)* | 74.6580% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 3,147 |
| Loan loss allowance to noncurrent loans | 38.6308% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 2.4267% | 396 |
| Noncurrent loans to loans | 2.9372% | 387 |
| Net loans and leases to total assets | 72.0297% | 2,231 |
| Net loans and leases to deposits | 85.6000% | 2,314 |
| Net loans and leases to core deposits | 98.3447% | 1,838 |
| Total domestic deposits to total assets | 84.1468% | 3,147 |
| Equity capital to assets | 9.6803% | 4,057 |
| Core capital (leverage) ratio | 9.6424% | 3,876 |
| Tier 1 risk-based capital ratio | 12.5054% | 4,202 |
| Total risk-based capital ratio | 13.5627% | 4,230 |
| Memoranda: | ||
| Average total assets | $210,718,200 | 2,818 |
| Average earning assets | $193,362,800 | 2,828 |
| Average equity | $19,598,600 | 3,189 |
| Average total loans | $153,206,400 | 2,622 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4118% | 1,927 |
| Cost of funding earning assets | 0.4232% | 2,953 |
| Net interest margin | 3.9886% | 1,743 |
| Noninterest income to average assets | 1.0081% | 1,006 |
| Noninterest expense to average assets | 2.8426% | 2,589 |
| Loan and lease loss provision to assets | 0.3186% | 480 |
| Net operating income to assets | 1.5033% | 890 |
| Return on assets (ROA) | 1.5052% | 912 |
| Pretax return on assets | 1.5052% | 1,752 |
| Return on Equity (ROE) | 16.3476% | 488 |
| Retained earnings to average equity (ytd only) | 4.3918% | 3,285 |
| Net charge-offs to loans | 0.2422% | 883 |
| Credit loss provision to net charge-offs | 181.0036% | 1,462 |
| Earnings coverage of net charge-offs (x) | 10.3513% | 2,604 |
| Efficiency ratio | 60.9413% | 4,054 |
| Assets per employee ($millions) | 4.2132% | 3,621 |
| Cash dividends to net income (ytd only)* | 73.1351% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2127% | 2,854 |
| Loan loss allowance to noncurrent loans | 39.9076% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 2.4107% | 469 |
| Noncurrent loans to loans | 3.0389% | 413 |
| Net loans and leases to total assets | 72.0297% | 2,249 |
| Net loans and leases to deposits | 84.3843% | 2,511 |
| Net loans and leases to core deposits | 99.4161% | 1,758 |
| Total domestic deposits to total assets | 85.3591% | 2,575 |
| Equity capital to assets | 9.3247% | 4,629 |
| Core capital (leverage) ratio | 9.3265% | 4,375 |
| Tier 1 risk-based capital ratio | 11.8993% | 4,700 |
| Total risk-based capital ratio | 13.0196% | 4,658 |
| Memoranda: | ||
| Average total assets | $211,351,500 | 2,828 |
| Average earning assets | $193,748,750 | 2,852 |
| Average equity | $19,460,000 | 3,226 |
| Average total loans | $153,589,000 | 2,630 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2598% | 2,250 |
| Cost of funding earning assets | 0.3926% | 3,144 |
| Net interest margin | 3.8672% | 2,037 |
| Noninterest income to average assets | 1.0800% | 855 |
| Noninterest expense to average assets | 2.8566% | 2,559 |
| Loan and lease loss provision to assets | 0.2902% | 538 |
| Net operating income to assets | 1.4759% | 906 |
| Return on assets (ROA) | 1.4787% | 922 |
| Pretax return on assets | 1.4787% | 1,725 |
| Return on Equity (ROE) | 16.1304% | 513 |
| Retained earnings to average equity (ytd only) | 3.0309% | 3,912 |
| Net charge-offs to loans | 0.0970% | 1,655 |
| Credit loss provision to net charge-offs | 412.1622% | 772 |
| Earnings coverage of net charge-offs (x) | 25.0811% | 1,617 |
| Efficiency ratio | 61.7950% | 4,027 |
| Assets per employee ($millions) | 4.1528% | 3,710 |
| Cash dividends to net income (ytd only)* | 81.2098% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 2,975 |
| Loan loss allowance to noncurrent loans | 24.6986% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 3.5977% | 213 |
| Noncurrent loans to loans | 4.8844% | 160 |
| Net loans and leases to total assets | 72.2437% | 2,163 |
| Net loans and leases to deposits | 86.0324% | 2,215 |
| Net loans and leases to core deposits | 96.0646% | 1,973 |
| Total domestic deposits to total assets | 83.9727% | 3,206 |
| Equity capital to assets | 9.1626% | 4,750 |
| Core capital (leverage) ratio | 9.4975% | 4,134 |
| Tier 1 risk-based capital ratio | 11.4730% | 4,970 |
| Total risk-based capital ratio | 12.5751% | 4,958 |
| Memoranda: | ||
| Average total assets | $210,178,330 | 2,862 |
| Average earning assets | $192,544,330 | 2,877 |
| Average equity | $19,268,000 | 3,248 |
| Average total loans | $152,561,670 | 2,651 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 2,070 |
| Cost of funding earning assets | 0.3850% | 3,145 |
| Net interest margin | 3.8755% | 1,870 |
| Noninterest income to average assets | 1.1327% | 783 |
| Noninterest expense to average assets | 2.9484% | 2,304 |
| Loan and lease loss provision to assets | 0.2605% | 559 |
| Net operating income to assets | 1.4588% | 877 |
| Return on assets (ROA) | 1.4646% | 896 |
| Pretax return on assets | 1.4646% | 1,648 |
| Return on Equity (ROE) | 15.9714% | 532 |
| Retained earnings to average equity (ytd only) | 4.2506% | 3,316 |
| Net charge-offs to loans | 0.0480% | 1,892 |
| Credit loss provision to net charge-offs | 750.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 49.5000% | 901 |
| Efficiency ratio | 63.1666% | 3,961 |
| Assets per employee ($millions) | 4.0182% | 3,980 |
| Cash dividends to net income (ytd only)* | 73.3860% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 3,298 |
| Loan loss allowance to noncurrent loans | 38.8756% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 2.2322% | 556 |
| Noncurrent loans to loans | 3.0138% | 457 |
| Net loans and leases to total assets | 72.3023% | 2,033 |
| Net loans and leases to deposits | 85.6456% | 2,072 |
| Net loans and leases to core deposits | 93.2612% | 2,037 |
| Total domestic deposits to total assets | 84.4203% | 3,322 |
| Equity capital to assets | 9.1747% | 4,639 |
| Core capital (leverage) ratio | 9.5387% | 4,072 |
| Tier 1 risk-based capital ratio | 11.8363% | 4,825 |
| Total risk-based capital ratio | 12.9102% | 4,834 |
| Memoranda: | ||
| Average total assets | $207,295,500 | 2,914 |
| Average earning assets | $189,084,000 | 2,949 |
| Average equity | $19,009,000 | 3,290 |
| Average total loans | $149,887,000 | 2,702 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2833% | 2,199 |
| Cost of funding earning assets | 0.4000% | 2,997 |
| Net interest margin | 3.8833% | 2,016 |
| Noninterest income to average assets | 1.0060% | 1,130 |
| Noninterest expense to average assets | 2.9905% | 2,380 |
| Loan and lease loss provision to assets | 0.1280% | 1,940 |
| Net operating income to assets | 1.4135% | 984 |
| Return on assets (ROA) | 1.4332% | 974 |
| Pretax return on assets | 1.4332% | 1,808 |
| Return on Equity (ROE) | 15.3113% | 584 |
| Retained earnings to average equity (ytd only) | 4.7848% | 2,487 |
| Net charge-offs to loans | 0.2305% | 1,204 |
| Credit loss provision to net charge-offs | 78.0781% | 3,003 |
| Earnings coverage of net charge-offs (x) | 9.4054% | 2,754 |
| Efficiency ratio | 65.9861% | 3,590 |
| Assets per employee ($millions) | 4.1129% | 3,761 |
| Cash dividends to net income (ytd only)* | 68.7500% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 3,492 |
| Loan loss allowance to noncurrent loans | 40.4348% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 2.8194% | 384 |
| Noncurrent loans to loans | 2.8180% | 513 |
| Net loans and leases to total assets | 70.6248% | 2,389 |
| Net loans and leases to deposits | 83.0766% | 2,536 |
| Net loans and leases to core deposits | 87.7650% | 2,699 |
| Total domestic deposits to total assets | 85.0116% | 3,038 |
| Equity capital to assets | 9.1653% | 4,625 |
| Core capital (leverage) ratio | 9.4885% | 4,098 |
| Tier 1 risk-based capital ratio | 12.2973% | 4,506 |
| Total risk-based capital ratio | 13.3509% | 4,534 |
| Memoranda: | ||
| Average total assets | $203,179,600 | 2,920 |
| Average earning assets | $184,483,200 | 2,961 |
| Average equity | $19,018,600 | 3,269 |
| Average total loans | $144,437,800 | 2,721 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2450% | 2,360 |
| Cost of funding earning assets | 0.4009% | 3,015 |
| Net interest margin | 3.8441% | 2,182 |
| Noninterest income to average assets | 1.0288% | 1,083 |
| Noninterest expense to average assets | 3.0284% | 2,234 |
| Loan and lease loss provision to assets | 0.0527% | 3,207 |
| Net operating income to assets | 1.4382% | 989 |
| Return on assets (ROA) | 1.4645% | 995 |
| Pretax return on assets | 1.4645% | 1,832 |
| Return on Equity (ROE) | 15.5635% | 598 |
| Retained earnings to average equity (ytd only) | 5.8827% | 2,250 |
| Net charge-offs to loans | 0.2818% | 816 |
| Credit loss provision to net charge-offs | 26.3158% | 3,252 |
| Earnings coverage of net charge-offs (x) | 7.4507% | 2,875 |
| Efficiency ratio | 67.0114% | 3,420 |
| Assets per employee ($millions) | 4.0638% | 3,850 |
| Cash dividends to net income (ytd only)* | 62.2024% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0284% | 4,264 |
| Loan loss allowance to noncurrent loans | 37.4018% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 2.7758% | 455 |
| Noncurrent loans to loans | 2.7497% | 594 |
| Net loans and leases to total assets | 70.7171% | 2,387 |
| Net loans and leases to deposits | 83.5208% | 2,540 |
| Net loans and leases to core deposits | 97.5318% | 1,857 |
| Total domestic deposits to total assets | 84.6700% | 2,959 |
| Equity capital to assets | 9.4314% | 4,739 |
| Core capital (leverage) ratio | 9.5488% | 4,118 |
| Tier 1 risk-based capital ratio | 12.3789% | 4,552 |
| Total risk-based capital ratio | 13.3472% | 4,635 |
| Memoranda: | ||
| Average total assets | $202,563,000 | 2,939 |
| Average earning assets | $183,931,000 | 2,983 |
| Average equity | $19,061,250 | 3,284 |
| Average total loans | $143,819,500 | 2,724 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0731% | 2,983 |
| Cost of funding earning assets | 0.3998% | 3,048 |
| Net interest margin | 3.6734% | 2,805 |
| Noninterest income to average assets | 1.0627% | 991 |
| Noninterest expense to average assets | 3.0736% | 2,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3264% | 1,211 |
| Return on assets (ROA) | 1.3662% | 1,197 |
| Pretax return on assets | 1.3662% | 2,142 |
| Return on Equity (ROE) | 14.5296% | 739 |
| Retained earnings to average equity (ytd only) | 2.7091% | 4,181 |
| Net charge-offs to loans | 0.1138% | 1,688 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 16.4568% | 1,928 |
| Efficiency ratio | 69.8553% | 3,001 |
| Assets per employee ($millions) | 4.2001% | 3,567 |
| Cash dividends to net income (ytd only)* | 81.3547% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 3,663 |
| Loan loss allowance to noncurrent loans | 34.0139% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 3.1437% | 380 |
| Noncurrent loans to loans | 3.3755% | 398 |
| Net loans and leases to total assets | 68.3031% | 2,743 |
| Net loans and leases to deposits | 82.7621% | 2,621 |
| Net loans and leases to core deposits | 94.4218% | 2,122 |
| Total domestic deposits to total assets | 82.5295% | 3,822 |
| Equity capital to assets | 9.0593% | 5,198 |
| Core capital (leverage) ratio | 9.5320% | 4,163 |
| Tier 1 risk-based capital ratio | 12.0482% | 4,791 |
| Total risk-based capital ratio | 13.1111% | 4,817 |
| Memoranda: | ||
| Average total assets | $200,999,330 | 2,970 |
| Average earning assets | $182,611,670 | 3,013 |
| Average equity | $18,899,330 | 3,314 |
| Average total loans | $142,397,000 | 2,746 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2643% | 2,256 |
| Cost of funding earning assets | 0.4062% | 3,001 |
| Net interest margin | 3.8581% | 2,077 |
| Noninterest income to average assets | 1.1685% | 807 |
| Noninterest expense to average assets | 3.0779% | 2,152 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5899% | 715 |
| Return on assets (ROA) | 1.6102% | 730 |
| Pretax return on assets | 1.6102% | 1,267 |
| Return on Equity (ROE) | 16.7972% | 457 |
| Retained earnings to average equity (ytd only) | 7.9845% | 1,459 |
| Net charge-offs to loans | 0.0482% | 2,078 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 45.9412% | 935 |
| Efficiency ratio | 65.9398% | 3,817 |
| Assets per employee ($millions) | 3.5832% | 4,679 |
| Cash dividends to net income (ytd only)* | 52.4652% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 3,438 |
| Loan loss allowance to noncurrent loans | 41.3480% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 2.9669% | 426 |
| Noncurrent loans to loans | 2.9167% | 569 |
| Net loans and leases to total assets | 71.9111% | 2,056 |
| Net loans and leases to deposits | 88.5754% | 1,754 |
| Net loans and leases to core deposits | 95.1792% | 1,874 |
| Total domestic deposits to total assets | 81.1863% | 4,431 |
| Equity capital to assets | 9.6329% | 4,529 |
| Core capital (leverage) ratio | 9.6685% | 3,948 |
| Tier 1 risk-based capital ratio | 12.1804% | 4,790 |
| Total risk-based capital ratio | 13.2892% | 4,805 |
| Memoranda: | ||
| Average total assets | $196,496,500 | 3,028 |
| Average earning assets | $178,222,500 | 3,069 |
| Average equity | $18,836,500 | 3,323 |
| Average total loans | $141,042,500 | 2,764 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3577% | 2,033 |
| Cost of funding earning assets | 0.4130% | 3,021 |
| Net interest margin | 3.9447% | 1,894 |
| Noninterest income to average assets | 0.9544% | 1,308 |
| Noninterest expense to average assets | 3.1498% | 2,089 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3920% | 1,048 |
| Return on assets (ROA) | 1.3988% | 1,084 |
| Pretax return on assets | 1.3988% | 1,909 |
| Return on Equity (ROE) | 14.8460% | 711 |
| Retained earnings to average equity (ytd only) | 5.2543% | 2,238 |
| Net charge-offs to loans | 0.0044% | 4,294 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 448.5000% | 149 |
| Efficiency ratio | 69.3508% | 3,332 |
| Assets per employee ($millions) | 3.6281% | 4,597 |
| Cash dividends to net income (ytd only)* | 64.6080% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 3,110 |
| Loan loss allowance to noncurrent loans | 1,033.7278% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.9458% | 2,306 |
| Noncurrent loans to loans | 0.1219% | 5,006 |
| Net loans and leases to total assets | 69.8707% | 2,381 |
| Net loans and leases to deposits | 86.8063% | 2,028 |
| Net loans and leases to core deposits | 93.3918% | 2,100 |
| Total domestic deposits to total assets | 80.4904% | 4,613 |
| Equity capital to assets | 9.5391% | 4,509 |
| Core capital (leverage) ratio | 9.4918% | 4,180 |
| Tier 1 risk-based capital ratio | 12.7834% | 4,463 |
| Total risk-based capital ratio | 13.9822% | 4,395 |
| Memoranda: | ||
| Average total assets | $193,314,200 | 3,009 |
| Average earning assets | $175,803,800 | 3,042 |
| Average equity | $18,213,600 | 3,353 |
| Average total loans | $137,232,000 | 2,763 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2889% | 2,273 |
| Cost of funding earning assets | 0.4128% | 3,088 |
| Net interest margin | 3.8762% | 2,109 |
| Noninterest income to average assets | 0.9619% | 1,284 |
| Noninterest expense to average assets | 3.1204% | 2,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3702% | 1,181 |
| Return on assets (ROA) | 1.3792% | 1,212 |
| Pretax return on assets | 1.3792% | 2,101 |
| Return on Equity (ROE) | 14.6853% | 773 |
| Retained earnings to average equity (ytd only) | 5.8284% | 2,349 |
| Net charge-offs to loans | -0.0039% | 4,789 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4868% | 3,295 |
| Assets per employee ($millions) | 3.5585% | 4,691 |
| Cash dividends to net income (ytd only)* | 60.3111% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 3,445 |
| Loan loss allowance to noncurrent loans | 145.5675% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 1.4879% | 1,511 |
| Noncurrent loans to loans | 0.8498% | 2,849 |
| Net loans and leases to total assets | 71.6765% | 2,110 |
| Net loans and leases to deposits | 87.1280% | 2,010 |
| Net loans and leases to core deposits | 93.5869% | 2,114 |
| Total domestic deposits to total assets | 82.2657% | 4,080 |
| Equity capital to assets | 9.4391% | 4,830 |
| Core capital (leverage) ratio | 9.4843% | 4,322 |
| Tier 1 risk-based capital ratio | 12.0051% | 5,084 |
| Total risk-based capital ratio | 13.1475% | 5,064 |
| Memoranda: | ||
| Average total assets | $192,663,000 | 3,044 |
| Average earning assets | $175,392,500 | 3,072 |
| Average equity | $18,094,750 | 3,396 |
| Average total loans | $136,880,750 | 2,786 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2335% | 2,415 |
| Cost of funding earning assets | 0.4112% | 3,148 |
| Net interest margin | 3.8222% | 2,228 |
| Noninterest income to average assets | 0.9883% | 1,203 |
| Noninterest expense to average assets | 3.0984% | 2,246 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3723% | 1,143 |
| Return on assets (ROA) | 1.3859% | 1,158 |
| Pretax return on assets | 1.3859% | 2,043 |
| Return on Equity (ROE) | 14.7816% | 766 |
| Retained earnings to average equity (ytd only) | 6.7118% | 1,839 |
| Net charge-offs to loans | -0.0178% | 5,133 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3044% | 3,441 |
| Assets per employee ($millions) | 3.4952% | 4,795 |
| Cash dividends to net income (ytd only)* | 54.5934% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 3,385 |
| Loan loss allowance to noncurrent loans | 123.0823% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.6438% | 1,462 |
| Noncurrent loans to loans | 1.0335% | 2,581 |
| Net loans and leases to total assets | 71.2633% | 2,115 |
| Net loans and leases to deposits | 88.6044% | 1,762 |
| Net loans and leases to core deposits | 95.2644% | 1,858 |
| Total domestic deposits to total assets | 80.4286% | 4,769 |
| Equity capital to assets | 9.4218% | 4,750 |
| Core capital (leverage) ratio | 9.3482% | 4,488 |
| Tier 1 risk-based capital ratio | 12.5951% | 4,746 |
| Total risk-based capital ratio | 13.8115% | 4,686 |
| Memoranda: | ||
| Average total assets | $191,645,000 | 3,082 |
| Average earning assets | $174,609,330 | 3,098 |
| Average equity | $17,968,330 | 3,431 |
| Average total loans | $135,161,000 | 2,824 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1732% | 2,562 |
| Cost of funding earning assets | 0.4079% | 3,222 |
| Net interest margin | 3.7652% | 2,372 |
| Noninterest income to average assets | 0.8926% | 1,408 |
| Noninterest expense to average assets | 3.1231% | 2,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2041% | 1,537 |
| Return on assets (ROA) | 1.2041% | 1,629 |
| Pretax return on assets | 1.2041% | 2,648 |
| Return on Equity (ROE) | 12.8740% | 1,124 |
| Retained earnings to average equity (ytd only) | 1.6316% | 4,822 |
| Net charge-offs to loans | -0.0240% | 5,131 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1739% | 3,142 |
| Assets per employee ($millions) | 3.5798% | 4,759 |
| Cash dividends to net income (ytd only)* | 87.3264% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 3,590 |
| Loan loss allowance to noncurrent loans | 154.0682% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 1.5019% | 1,746 |
| Noncurrent loans to loans | 0.8236% | 3,185 |
| Net loans and leases to total assets | 69.5937% | 2,193 |
| Net loans and leases to deposits | 83.0622% | 2,203 |
| Net loans and leases to core deposits | 88.8806% | 2,234 |
| Total domestic deposits to total assets | 83.7851% | 3,897 |
| Equity capital to assets | 9.1520% | 5,135 |
| Core capital (leverage) ratio | 9.2164% | 4,688 |
| Tier 1 risk-based capital ratio | 12.3590% | 5,006 |
| Total risk-based capital ratio | 13.5854% | 4,935 |
| Memoranda: | ||
| Average total assets | $191,350,000 | 3,103 |
| Average earning assets | $174,544,000 | 3,117 |
| Average equity | $17,896,500 | 3,464 |
| Average total loans | $133,362,500 | 2,860 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1351% | 3,182 |
| Cost of funding earning assets | 0.4157% | 3,529 |
| Net interest margin | 3.7194% | 2,933 |
| Noninterest income to average assets | 0.9060% | 1,485 |
| Noninterest expense to average assets | 3.1574% | 2,335 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1531% | 1,760 |
| Return on assets (ROA) | 1.1800% | 1,713 |
| Pretax return on assets | 1.1800% | 2,733 |
| Return on Equity (ROE) | 13.1008% | 1,116 |
| Retained earnings to average equity (ytd only) | 4.6107% | 2,901 |
| Net charge-offs to loans | 0.5234% | 780 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.3252% | 3,915 |
| Efficiency ratio | 73.2486% | 2,976 |
| Assets per employee ($millions) | 3.3784% | 5,112 |
| Cash dividends to net income (ytd only)* | 64.8057% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 3,082 |
| Loan loss allowance to noncurrent loans | 127.0290% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 1.7410% | 1,525 |
| Noncurrent loans to loans | 1.0786% | 2,663 |
| Net loans and leases to total assets | 67.9124% | 2,572 |
| Net loans and leases to deposits | 80.2276% | 2,687 |
| Net loans and leases to core deposits | 85.9113% | 2,699 |
| Total domestic deposits to total assets | 84.6496% | 3,438 |
| Equity capital to assets | 9.5655% | 4,631 |
| Core capital (leverage) ratio | 9.4855% | 4,265 |
| Tier 1 risk-based capital ratio | 12.0747% | 5,312 |
| Total risk-based capital ratio | 13.2724% | 5,257 |
| Memoranda: | ||
| Average total assets | $189,743,800 | 3,103 |
| Average earning assets | $173,685,200 | 3,115 |
| Average equity | $17,090,600 | 3,515 |
| Average total loans | $125,728,200 | 2,945 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1085% | 3,340 |
| Cost of funding earning assets | 0.4210% | 3,566 |
| Net interest margin | 3.6875% | 3,078 |
| Noninterest income to average assets | 0.9032% | 1,506 |
| Noninterest expense to average assets | 3.1283% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1549% | 1,847 |
| Return on assets (ROA) | 1.1856% | 1,805 |
| Pretax return on assets | 1.1856% | 2,841 |
| Return on Equity (ROE) | 13.3647% | 1,124 |
| Retained earnings to average equity (ytd only) | 3.8849% | 3,886 |
| Net charge-offs to loans | -0.0959% | 6,129 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0374% | 2,987 |
| Assets per employee ($millions) | 3.5890% | 4,699 |
| Cash dividends to net income (ytd only)* | 70.9315% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9106% | 1,429 |
| Loan loss allowance to noncurrent loans | 62.2294% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 2.1665% | 1,283 |
| Noncurrent loans to loans | 3.0703% | 861 |
| Net loans and leases to total assets | 67.5012% | 2,612 |
| Net loans and leases to deposits | 79.8753% | 2,707 |
| Net loans and leases to core deposits | 84.3132% | 2,846 |
| Total domestic deposits to total assets | 84.5081% | 3,545 |
| Equity capital to assets | 9.1853% | 5,162 |
| Core capital (leverage) ratio | 9.0641% | 4,979 |
| Tier 1 risk-based capital ratio | 11.5478% | 5,767 |
| Total risk-based capital ratio | 12.8023% | 5,689 |
| Memoranda: | ||
| Average total assets | $190,726,500 | 3,123 |
| Average earning assets | $174,819,000 | 3,127 |
| Average equity | $16,919,750 | 3,552 |
| Average total loans | $125,174,500 | 2,975 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 3,483 |
| Cost of funding earning assets | 0.4307% | 3,543 |
| Net interest margin | 3.6352% | 3,210 |
| Noninterest income to average assets | 0.9754% | 1,270 |
| Noninterest expense to average assets | 3.1347% | 2,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1745% | 1,673 |
| Return on assets (ROA) | 1.2268% | 1,569 |
| Pretax return on assets | 1.2268% | 2,549 |
| Return on Equity (ROE) | 13.9941% | 955 |
| Retained earnings to average equity (ytd only) | 3.9198% | 3,688 |
| Net charge-offs to loans | -0.1103% | 6,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7450% | 3,203 |
| Assets per employee ($millions) | 3.4771% | 4,893 |
| Cash dividends to net income (ytd only)* | 71.9898% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9490% | 1,459 |
| Loan loss allowance to noncurrent loans | 62.0370% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 2.1821% | 1,403 |
| Noncurrent loans to loans | 3.1417% | 907 |
| Net loans and leases to total assets | 65.2121% | 2,877 |
| Net loans and leases to deposits | 77.9695% | 2,805 |
| Net loans and leases to core deposits | 81.5688% | 3,022 |
| Total domestic deposits to total assets | 83.6380% | 4,059 |
| Equity capital to assets | 8.9557% | 5,349 |
| Core capital (leverage) ratio | 9.1074% | 4,863 |
| Tier 1 risk-based capital ratio | 11.6159% | 5,735 |
| Total risk-based capital ratio | 12.8712% | 5,682 |
| Memoranda: | ||
| Average total assets | $190,896,670 | 3,142 |
| Average earning assets | $175,064,330 | 3,142 |
| Average equity | $16,735,670 | 3,573 |
| Average total loans | $123,266,330 | 3,003 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9930% | 3,713 |
| Cost of funding earning assets | 0.4386% | 3,549 |
| Net interest margin | 3.5544% | 3,461 |
| Noninterest income to average assets | 1.1283% | 873 |
| Noninterest expense to average assets | 3.1606% | 2,348 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2311% | 1,395 |
| Return on assets (ROA) | 1.2311% | 1,448 |
| Pretax return on assets | 1.2311% | 2,344 |
| Return on Equity (ROE) | 14.1959% | 909 |
| Retained earnings to average equity (ytd only) | 7.7146% | 1,720 |
| Net charge-offs to loans | -0.1682% | 6,332 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9675% | 3,493 |
| Assets per employee ($millions) | 3.4578% | 5,012 |
| Cash dividends to net income (ytd only)* | 45.6559% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9783% | 1,554 |
| Loan loss allowance to noncurrent loans | 58.9559% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 2.2994% | 1,423 |
| Noncurrent loans to loans | 3.3556% | 904 |
| Net loans and leases to total assets | 64.1424% | 2,866 |
| Net loans and leases to deposits | 76.0696% | 2,804 |
| Net loans and leases to core deposits | 80.2349% | 2,941 |
| Total domestic deposits to total assets | 84.3206% | 4,155 |
| Equity capital to assets | 8.8726% | 5,254 |
| Core capital (leverage) ratio | 9.0881% | 4,884 |
| Tier 1 risk-based capital ratio | 11.5377% | 5,895 |
| Total risk-based capital ratio | 12.7925% | 5,845 |
| Memoranda: | ||
| Average total assets | $190,724,000 | 3,159 |
| Average earning assets | $175,106,500 | 3,157 |
| Average equity | $16,540,000 | 3,615 |
| Average total loans | $121,303,500 | 3,043 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 3,267 |
| Cost of funding earning assets | 0.5253% | 3,346 |
| Net interest margin | 3.6962% | 3,069 |
| Noninterest income to average assets | 0.8699% | 1,788 |
| Noninterest expense to average assets | 3.2347% | 2,324 |
| Loan and lease loss provision to assets | 0.1149% | 2,892 |
| Net operating income to assets | 0.0614% | 6,112 |
| Return on assets (ROA) | 0.0928% | 6,114 |
| Pretax return on assets | 0.9451% | 3,582 |
| Return on Equity (ROE) | 0.9638% | 6,089 |
| Retained earnings to average equity (ytd only) | -12.6153% | 6,580 |
| Net charge-offs to loans | 0.6175% | 1,064 |
| Credit loss provision to net charge-offs | 31.0153% | 4,231 |
| Earnings coverage of net charge-offs (x) | 2.7288% | 4,090 |
| Efficiency ratio | 76.1864% | 2,743 |
| Assets per employee ($millions) | 3.4155% | 5,050 |
| Cash dividends to net income (ytd only)* | 1,408.8889% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0405% | 1,461 |
| Loan loss allowance to noncurrent loans | 60.8377% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 2.1922% | 1,632 |
| Noncurrent loans to loans | 3.3540% | 961 |
| Net loans and leases to total assets | 60.5161% | 3,624 |
| Net loans and leases to deposits | 69.3338% | 3,867 |
| Net loans and leases to core deposits | 73.1522% | 3,929 |
| Total domestic deposits to total assets | 87.2822% | 2,585 |
| Equity capital to assets | 8.4729% | 5,610 |
| Core capital (leverage) ratio | 9.0428% | 4,939 |
| Tier 1 risk-based capital ratio | 12.0077% | 5,611 |
| Total risk-based capital ratio | 13.2636% | 5,544 |
| Memoranda: | ||
| Average total assets | $194,051,600 | 3,096 |
| Average earning assets | $177,234,400 | 3,111 |
| Average equity | $18,675,800 | 3,318 |
| Average total loans | $116,439,400 | 3,122 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2560% | 3,173 |
| Cost of funding earning assets | 0.5462% | 3,303 |
| Net interest margin | 3.7099% | 2,995 |
| Noninterest income to average assets | 0.8743% | 1,844 |
| Noninterest expense to average assets | 3.1924% | 2,389 |
| Loan and lease loss provision to assets | 0.1219% | 2,769 |
| Net operating income to assets | 0.6590% | 4,076 |
| Return on assets (ROA) | 0.7045% | 3,970 |
| Pretax return on assets | 1.0057% | 3,480 |
| Return on Equity (ROE) | 7.1111% | 3,584 |
| Retained earnings to average equity (ytd only) | -9.4124% | 6,624 |
| Net charge-offs to loans | 0.7919% | 745 |
| Credit loss provision to net charge-offs | 25.8345% | 3,970 |
| Earnings coverage of net charge-offs (x) | 2.2525% | 4,093 |
| Efficiency ratio | 75.0282% | 2,900 |
| Assets per employee ($millions) | 3.2328% | 5,422 |
| Cash dividends to net income (ytd only)* | 232.3608% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0221% | 1,671 |
| Loan loss allowance to noncurrent loans | 67.3980% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 2.0139% | 1,992 |
| Noncurrent loans to loans | 3.0002% | 1,343 |
| Net loans and leases to total assets | 61.9175% | 3,379 |
| Net loans and leases to deposits | 72.2336% | 3,480 |
| Net loans and leases to core deposits | 76.4413% | 3,571 |
| Total domestic deposits to total assets | 85.7185% | 3,392 |
| Equity capital to assets | 9.3360% | 4,760 |
| Core capital (leverage) ratio | 9.2782% | 4,716 |
| Tier 1 risk-based capital ratio | 12.7717% | 5,279 |
| Total risk-based capital ratio | 14.0277% | 5,211 |
| Memoranda: | ||
| Average total assets | $194,747,500 | 3,120 |
| Average earning assets | $177,468,500 | 3,139 |
| Average equity | $19,293,250 | 3,276 |
| Average total loans | $116,009,500 | 3,145 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1816% | 3,441 |
| Cost of funding earning assets | 0.5716% | 3,206 |
| Net interest margin | 3.6100% | 3,318 |
| Noninterest income to average assets | 0.8419% | 2,024 |
| Noninterest expense to average assets | 3.1365% | 2,564 |
| Loan and lease loss provision to assets | 0.1471% | 2,490 |
| Net operating income to assets | 0.6082% | 4,243 |
| Return on assets (ROA) | 0.6766% | 4,086 |
| Pretax return on assets | 0.9474% | 3,724 |
| Return on Equity (ROE) | 6.7071% | 3,768 |
| Retained earnings to average equity (ytd only) | 4.3742% | 3,490 |
| Net charge-offs to loans | 0.8526% | 730 |
| Credit loss provision to net charge-offs | 29.5316% | 3,596 |
| Earnings coverage of net charge-offs (x) | 2.0041% | 3,850 |
| Efficiency ratio | 75.8587% | 2,811 |
| Assets per employee ($millions) | 3.6294% | 4,554 |
| Cash dividends to net income (ytd only)* | 34.7826% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1655% | 1,493 |
| Loan loss allowance to noncurrent loans | 74.8393% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.8117% | 2,395 |
| Noncurrent loans to loans | 2.8935% | 1,557 |
| Net loans and leases to total assets | 55.9294% | 4,305 |
| Net loans and leases to deposits | 65.2282% | 4,356 |
| Net loans and leases to core deposits | 69.3272% | 4,350 |
| Total domestic deposits to total assets | 85.7442% | 3,506 |
| Equity capital to assets | 9.4496% | 4,650 |
| Core capital (leverage) ratio | 10.0919% | 3,385 |
| Tier 1 risk-based capital ratio | 14.0638% | 4,378 |
| Total risk-based capital ratio | 15.3214% | 4,333 |
| Memoranda: | ||
| Average total assets | $197,163,000 | 3,100 |
| Average earning assets | $179,835,330 | 3,115 |
| Average equity | $19,889,330 | 3,219 |
| Average total loans | $115,182,000 | 3,165 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2210% | 3,210 |
| Cost of funding earning assets | 0.6108% | 3,003 |
| Net interest margin | 3.6101% | 3,219 |
| Noninterest income to average assets | 0.8944% | 1,775 |
| Noninterest expense to average assets | 3.1949% | 2,368 |
| Loan and lease loss provision to assets | 0.1768% | 2,096 |
| Net operating income to assets | 0.5990% | 4,217 |
| Return on assets (ROA) | 0.5990% | 4,364 |
| Pretax return on assets | 0.8050% | 4,155 |
| Return on Equity (ROE) | 5.7429% | 4,179 |
| Retained earnings to average equity (ytd only) | 3.4697% | 4,170 |
| Net charge-offs to loans | 1.5663% | 339 |
| Credit loss provision to net charge-offs | 19.1011% | 3,047 |
| Earnings coverage of net charge-offs (x) | 1.0607% | 3,485 |
| Efficiency ratio | 76.4940% | 2,846 |
| Assets per employee ($millions) | 3.2369% | 5,558 |
| Cash dividends to net income (ytd only)* | 39.5833% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1856% | 1,613 |
| Loan loss allowance to noncurrent loans | 77.4871% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.8845% | 2,496 |
| Noncurrent loans to loans | 2.8206% | 1,798 |
| Net loans and leases to total assets | 59.6866% | 3,488 |
| Net loans and leases to deposits | 71.6575% | 3,229 |
| Net loans and leases to core deposits | 77.1648% | 3,182 |
| Total domestic deposits to total assets | 83.2942% | 4,766 |
| Equity capital to assets | 10.5196% | 3,521 |
| Core capital (leverage) ratio | 9.9813% | 3,410 |
| Tier 1 risk-based capital ratio | 14.7203% | 4,019 |
| Total risk-based capital ratio | 15.9790% | 3,985 |
| Memoranda: | ||
| Average total assets | $192,306,000 | 3,190 |
| Average earning assets | $174,841,500 | 3,212 |
| Average equity | $20,059,500 | 3,241 |
| Average total loans | $113,640,000 | 3,214 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 2,427 |
| Cost of funding earning assets | 0.8281% | 2,436 |
| Net interest margin | 3.9124% | 2,778 |
| Noninterest income to average assets | 0.9257% | 1,785 |
| Noninterest expense to average assets | 3.3716% | 2,125 |
| Loan and lease loss provision to assets | 0.0109% | 5,781 |
| Net operating income to assets | 0.7054% | 3,708 |
| Return on assets (ROA) | 0.7304% | 3,850 |
| Pretax return on assets | 1.1388% | 3,023 |
| Return on Equity (ROE) | 7.1509% | 3,554 |
| Retained earnings to average equity (ytd only) | 4.7791% | 2,865 |
| Net charge-offs to loans | 0.1791% | 3,941 |
| Credit loss provision to net charge-offs | 10.0478% | 5,396 |
| Earnings coverage of net charge-offs (x) | 10.2010% | 2,164 |
| Efficiency ratio | 75.2208% | 2,871 |
| Assets per employee ($millions) | 3.0736% | 5,897 |
| Cash dividends to net income (ytd only)* | 33.1669% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6249% | 997 |
| Loan loss allowance to noncurrent loans | 79.9285% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.9872% | 2,467 |
| Noncurrent loans to loans | 3.2841% | 1,561 |
| Net loans and leases to total assets | 55.6916% | 4,348 |
| Net loans and leases to deposits | 67.4652% | 4,059 |
| Net loans and leases to core deposits | 72.8745% | 3,929 |
| Total domestic deposits to total assets | 82.5487% | 4,913 |
| Equity capital to assets | 10.3436% | 3,704 |
| Core capital (leverage) ratio | 10.3816% | 2,910 |
| Tier 1 risk-based capital ratio | 15.7534% | 3,288 |
| Total risk-based capital ratio | 17.0177% | 3,240 |
| Memoranda: | ||
| Average total assets | $191,958,200 | 3,152 |
| Average earning assets | $174,496,600 | 3,168 |
| Average equity | $19,606,000 | 3,246 |
| Average total loans | $116,722,000 | 3,147 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8969% | 2,016 |
| Cost of funding earning assets | 0.8804% | 2,310 |
| Net interest margin | 4.0165% | 2,440 |
| Noninterest income to average assets | 0.9147% | 1,780 |
| Noninterest expense to average assets | 3.3782% | 2,062 |
| Loan and lease loss provision to assets | 0.0146% | 5,628 |
| Net operating income to assets | 0.7532% | 3,680 |
| Return on assets (ROA) | 0.7866% | 3,762 |
| Pretax return on assets | 1.2293% | 2,872 |
| Return on Equity (ROE) | 7.7262% | 3,408 |
| Retained earnings to average equity (ytd only) | 5.3400% | 3,131 |
| Net charge-offs to loans | 0.1162% | 4,217 |
| Credit loss provision to net charge-offs | 20.3883% | 4,950 |
| Earnings coverage of net charge-offs (x) | 16.6214% | 1,681 |
| Efficiency ratio | 73.9223% | 2,996 |
| Assets per employee ($millions) | 2.7208% | 6,462 |
| Cash dividends to net income (ytd only)* | 30.8848% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6406% | 1,044 |
| Loan loss allowance to noncurrent loans | 81.6310% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 2.1142% | 2,529 |
| Noncurrent loans to loans | 3.2349% | 1,704 |
| Net loans and leases to total assets | 60.9393% | 3,583 |
| Net loans and leases to deposits | 73.8396% | 3,305 |
| Net loans and leases to core deposits | 79.8551% | 3,225 |
| Total domestic deposits to total assets | 82.5292% | 4,824 |
| Equity capital to assets | 10.9631% | 3,313 |
| Core capital (leverage) ratio | 10.1604% | 3,335 |
| Tier 1 risk-based capital ratio | 15.2253% | 3,692 |
| Total risk-based capital ratio | 16.4898% | 3,630 |
| Memoranda: | ||
| Average total assets | $191,538,750 | 3,188 |
| Average earning assets | $174,310,000 | 3,206 |
| Average equity | $19,500,250 | 3,290 |
| Average total loans | $118,216,000 | 3,161 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8486% | 2,308 |
| Cost of funding earning assets | 0.9208% | 2,255 |
| Net interest margin | 3.9279% | 2,803 |
| Noninterest income to average assets | 0.9300% | 1,674 |
| Noninterest expense to average assets | 3.3141% | 2,273 |
| Loan and lease loss provision to assets | 0.0216% | 5,398 |
| Net operating income to assets | 0.7594% | 3,558 |
| Return on assets (ROA) | 0.8088% | 3,619 |
| Pretax return on assets | 1.2661% | 2,666 |
| Return on Equity (ROE) | 8.1391% | 3,200 |
| Retained earnings to average equity (ytd only) | 5.7501% | 2,852 |
| Net charge-offs to loans | 0.1957% | 3,412 |
| Credit loss provision to net charge-offs | 17.9487% | 4,645 |
| Earnings coverage of net charge-offs (x) | 10.0684% | 2,101 |
| Efficiency ratio | 73.2455% | 3,205 |
| Assets per employee ($millions) | 3.0673% | 5,921 |
| Cash dividends to net income (ytd only)* | 29.3520% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3569% | 1,487 |
| Loan loss allowance to noncurrent loans | 158.0084% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 1.0526% | 4,278 |
| Noncurrent loans to loans | 1.4916% | 3,670 |
| Net loans and leases to total assets | 64.2962% | 2,968 |
| Net loans and leases to deposits | 79.9701% | 2,389 |
| Net loans and leases to core deposits | 87.9622% | 2,211 |
| Total domestic deposits to total assets | 80.4002% | 5,639 |
| Equity capital to assets | 10.1668% | 4,101 |
| Core capital (leverage) ratio | 9.6042% | 3,994 |
| Tier 1 risk-based capital ratio | 13.7871% | 4,604 |
| Total risk-based capital ratio | 15.0489% | 4,570 |
| Memoranda: | ||
| Average total assets | $194,620,670 | 3,160 |
| Average earning assets | $178,111,670 | 3,161 |
| Average equity | $19,338,670 | 3,302 |
| Average total loans | $119,587,670 | 3,143 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7730% | 2,746 |
| Cost of funding earning assets | 0.9421% | 2,363 |
| Net interest margin | 3.8309% | 3,239 |
| Noninterest income to average assets | 0.8950% | 1,766 |
| Noninterest expense to average assets | 3.2686% | 2,389 |
| Loan and lease loss provision to assets | 0.0430% | 4,859 |
| Net operating income to assets | 0.6963% | 3,901 |
| Return on assets (ROA) | 0.6963% | 4,120 |
| Pretax return on assets | 1.0895% | 3,367 |
| Return on Equity (ROE) | 7.0889% | 3,733 |
| Retained earnings to average equity (ytd only) | 4.6703% | 3,764 |
| Net charge-offs to loans | 0.2073% | 2,887 |
| Credit loss provision to net charge-offs | 35.0000% | 3,536 |
| Earnings coverage of net charge-offs (x) | 9.2167% | 1,869 |
| Efficiency ratio | 74.2671% | 3,059 |
| Assets per employee ($millions) | 3.2175% | 5,728 |
| Cash dividends to net income (ytd only)* | 34.1176% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5815% | 1,247 |
| Loan loss allowance to noncurrent loans | 131.8378% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 1.3184% | 3,916 |
| Noncurrent loans to loans | 1.9581% | 3,215 |
| Net loans and leases to total assets | 57.8107% | 4,064 |
| Net loans and leases to deposits | 72.9772% | 3,273 |
| Net loans and leases to core deposits | 81.5269% | 2,893 |
| Total domestic deposits to total assets | 79.2174% | 6,031 |
| Equity capital to assets | 9.6745% | 4,558 |
| Core capital (leverage) ratio | 9.4755% | 4,090 |
| Tier 1 risk-based capital ratio | 14.0680% | 4,423 |
| Total risk-based capital ratio | 15.3315% | 4,380 |
| Memoranda: | ||
| Average total assets | $195,312,500 | 3,166 |
| Average earning assets | $178,755,500 | 3,162 |
| Average equity | $19,185,000 | 3,328 |
| Average total loans | $115,760,000 | 3,236 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2876% | 1,742 |
| Cost of funding earning assets | 1.1012% | 2,667 |
| Net interest margin | 4.1863% | 2,107 |
| Noninterest income to average assets | 0.9504% | 1,508 |
| Noninterest expense to average assets | 3.5973% | 1,746 |
| Loan and lease loss provision to assets | 0.2702% | 3,514 |
| Net operating income to assets | 0.5454% | 4,252 |
| Return on assets (ROA) | 0.5574% | 4,386 |
| Pretax return on assets | 0.9105% | 3,577 |
| Return on Equity (ROE) | 5.5883% | 4,087 |
| Retained earnings to average equity (ytd only) | 3.0874% | 4,035 |
| Net charge-offs to loans | 0.0520% | 5,798 |
| Credit loss provision to net charge-offs | 819.3548% | 271 |
| Earnings coverage of net charge-offs (x) | 35.2419% | 742 |
| Efficiency ratio | 75.5839% | 2,962 |
| Assets per employee ($millions) | 2.9866% | 6,113 |
| Cash dividends to net income (ytd only)* | 44.7519% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7355% | 1,050 |
| Loan loss allowance to noncurrent loans | 197.7636% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.9642% | 4,678 |
| Noncurrent loans to loans | 1.3832% | 4,072 |
| Net loans and leases to total assets | 57.5732% | 4,445 |
| Net loans and leases to deposits | 73.7890% | 3,532 |
| Net loans and leases to core deposits | 83.3985% | 2,971 |
| Total domestic deposits to total assets | 78.0241% | 6,187 |
| Equity capital to assets | 9.9775% | 4,195 |
| Core capital (leverage) ratio | 9.5704% | 3,917 |
| Tier 1 risk-based capital ratio | 14.5439% | 3,938 |
| Total risk-based capital ratio | 15.8089% | 3,904 |
| Memoranda: | ||
| Average total assets | $188,029,600 | 3,211 |
| Average earning assets | $171,080,800 | 3,221 |
| Average equity | $18,753,600 | 3,317 |
| Average total loans | $119,152,800 | 3,192 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3893% | 1,545 |
| Cost of funding earning assets | 1.1369% | 2,716 |
| Net interest margin | 4.2525% | 1,902 |
| Noninterest income to average assets | 0.9712% | 1,414 |
| Noninterest expense to average assets | 3.5972% | 1,716 |
| Loan and lease loss provision to assets | 0.3183% | 2,991 |
| Net operating income to assets | 0.5893% | 4,133 |
| Return on assets (ROA) | 0.6052% | 4,242 |
| Pretax return on assets | 0.9399% | 3,621 |
| Return on Equity (ROE) | 6.0688% | 3,993 |
| Retained earnings to average equity (ytd only) | 3.5485% | 4,217 |
| Net charge-offs to loans | 0.2752% | 3,710 |
| Credit loss provision to net charge-offs | 179.5181% | 1,659 |
| Earnings coverage of net charge-offs (x) | 6.9559% | 2,447 |
| Efficiency ratio | 74.4693% | 3,090 |
| Assets per employee ($millions) | 2.9733% | 6,178 |
| Cash dividends to net income (ytd only)* | 41.5288% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4341% | 1,488 |
| Loan loss allowance to noncurrent loans | 225.7732% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.8177% | 5,135 |
| Noncurrent loans to loans | 1.0781% | 4,758 |
| Net loans and leases to total assets | 59.9712% | 4,131 |
| Net loans and leases to deposits | 76.7742% | 3,196 |
| Net loans and leases to core deposits | 87.2542% | 2,593 |
| Total domestic deposits to total assets | 78.1137% | 6,174 |
| Equity capital to assets | 10.0469% | 4,275 |
| Core capital (leverage) ratio | 9.7185% | 3,818 |
| Tier 1 risk-based capital ratio | 14.1121% | 4,274 |
| Total risk-based capital ratio | 15.3737% | 4,234 |
| Memoranda: | ||
| Average total assets | $187,251,750 | 3,244 |
| Average earning assets | $169,936,750 | 3,252 |
| Average equity | $18,674,250 | 3,326 |
| Average total loans | $120,655,750 | 3,182 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3947% | 1,582 |
| Cost of funding earning assets | 1.1717% | 2,767 |
| Net interest margin | 4.2230% | 1,946 |
| Noninterest income to average assets | 0.9944% | 1,336 |
| Noninterest expense to average assets | 3.6040% | 1,731 |
| Loan and lease loss provision to assets | 0.2824% | 3,119 |
| Net operating income to assets | 0.6121% | 4,001 |
| Return on assets (ROA) | 0.6121% | 4,129 |
| Pretax return on assets | 0.9515% | 3,426 |
| Return on Equity (ROE) | 6.1534% | 3,886 |
| Retained earnings to average equity (ytd only) | 3.6057% | 3,942 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4950% | 3,274 |
| Assets per employee ($millions) | 2.8166% | 6,444 |
| Cash dividends to net income (ytd only)* | 41.4035% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3785% | 1,628 |
| Loan loss allowance to noncurrent loans | 77.5499% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 2.0910% | 3,124 |
| Noncurrent loans to loans | 3.0671% | 2,357 |
| Net loans and leases to total assets | 63.3330% | 3,616 |
| Net loans and leases to deposits | 81.3882% | 2,543 |
| Net loans and leases to core deposits | 90.7584% | 2,288 |
| Total domestic deposits to total assets | 77.8159% | 6,323 |
| Equity capital to assets | 9.9766% | 4,181 |
| Core capital (leverage) ratio | 9.5467% | 3,884 |
| Tier 1 risk-based capital ratio | 13.4972% | 4,525 |
| Total risk-based capital ratio | 14.7588% | 4,501 |
| Memoranda: | ||
| Average total assets | $186,239,670 | 3,282 |
| Average earning assets | $169,501,000 | 3,285 |
| Average equity | $18,526,330 | 3,330 |
| Average total loans | $121,886,000 | 3,192 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3839% | 1,625 |
| Cost of funding earning assets | 1.1991% | 2,825 |
| Net interest margin | 4.1848% | 1,948 |
| Noninterest income to average assets | 1.0638% | 1,162 |
| Noninterest expense to average assets | 3.6129% | 1,741 |
| Loan and lease loss provision to assets | 0.2962% | 2,788 |
| Net operating income to assets | 0.6119% | 3,976 |
| Return on assets (ROA) | 0.6119% | 4,043 |
| Pretax return on assets | 0.9578% | 3,290 |
| Return on Equity (ROE) | 6.1602% | 3,809 |
| Retained earnings to average equity (ytd only) | 3.6134% | 4,016 |
| Net charge-offs to loans | -0.0230% | 6,619 |
| Credit loss provision to net charge-offs | -1,957.1429% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2337% | 3,475 |
| Assets per employee ($millions) | 2.8125% | 6,512 |
| Cash dividends to net income (ytd only)* | 41.3428% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3722% | 1,639 |
| Loan loss allowance to noncurrent loans | 196.5517% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.8986% | 5,111 |
| Noncurrent loans to loans | 1.2069% | 4,668 |
| Net loans and leases to total assets | 61.9232% | 3,876 |
| Net loans and leases to deposits | 79.9012% | 2,737 |
| Net loans and leases to core deposits | 88.2509% | 2,567 |
| Total domestic deposits to total assets | 77.4998% | 6,449 |
| Equity capital to assets | 9.9222% | 3,871 |
| Core capital (leverage) ratio | 9.6417% | 3,608 |
| Tier 1 risk-based capital ratio | 14.1093% | 3,999 |
| Total risk-based capital ratio | 15.3711% | 3,966 |
| Memoranda: | ||
| Average total assets | $185,003,500 | 3,320 |
| Average earning assets | $168,130,500 | 3,325 |
| Average equity | $18,376,000 | 3,344 |
| Average total loans | $121,614,500 | 3,225 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8674% | 1,111 |
| Cost of funding earning assets | 1.4674% | 2,835 |
| Net interest margin | 4.4000% | 1,472 |
| Noninterest income to average assets | 0.9780% | 1,579 |
| Noninterest expense to average assets | 3.6868% | 1,733 |
| Loan and lease loss provision to assets | 0.4866% | 3,229 |
| Net operating income to assets | 0.4999% | 4,097 |
| Return on assets (ROA) | 0.5846% | 3,901 |
| Pretax return on assets | 0.9159% | 3,217 |
| Return on Equity (ROE) | 6.0118% | 3,599 |
| Retained earnings to average equity (ytd only) | 2.7637% | 3,923 |
| Net charge-offs to loans | 0.5994% | 3,232 |
| Credit loss provision to net charge-offs | 117.7461% | 3,621 |
| Earnings coverage of net charge-offs (x) | 3.0738% | 3,535 |
| Efficiency ratio | 74.3737% | 3,322 |
| Assets per employee ($millions) | 2.8366% | 6,463 |
| Cash dividends to net income (ytd only)* | 54.0293% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1109% | 2,047 |
| Loan loss allowance to noncurrent loans | 226.7979% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.7788% | 5,457 |
| Noncurrent loans to loans | 0.9307% | 5,187 |
| Net loans and leases to total assets | 66.6236% | 3,328 |
| Net loans and leases to deposits | 85.1373% | 2,254 |
| Net loans and leases to core deposits | 94.5273% | 2,194 |
| Total domestic deposits to total assets | 78.2544% | 6,266 |
| Equity capital to assets | 9.9435% | 3,818 |
| Core capital (leverage) ratio | 9.6803% | 3,453 |
| Tier 1 risk-based capital ratio | 13.4824% | 4,219 |
| Total risk-based capital ratio | 14.7421% | 4,182 |
| Memoranda: | ||
| Average total assets | $186,803,200 | 3,272 |
| Average earning assets | $168,933,600 | 3,300 |
| Average equity | $18,164,200 | 3,400 |
| Average total loans | $128,794,600 | 3,147 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8963% | 1,139 |
| Cost of funding earning assets | 1.5292% | 2,776 |
| Net interest margin | 4.3671% | 1,623 |
| Noninterest income to average assets | 0.9740% | 1,541 |
| Noninterest expense to average assets | 3.7045% | 1,554 |
| Loan and lease loss provision to assets | 0.6467% | 2,362 |
| Net operating income to assets | 0.3599% | 4,929 |
| Return on assets (ROA) | 0.4724% | 4,630 |
| Pretax return on assets | 0.7463% | 4,095 |
| Return on Equity (ROE) | 4.8853% | 4,347 |
| Retained earnings to average equity (ytd only) | 1.2434% | 5,313 |
| Net charge-offs to loans | 0.6964% | 2,675 |
| Credit loss provision to net charge-offs | 134.2688% | 3,002 |
| Earnings coverage of net charge-offs (x) | 2.5273% | 3,903 |
| Efficiency ratio | 75.2674% | 3,089 |
| Assets per employee ($millions) | 2.8440% | 6,495 |
| Cash dividends to net income (ytd only)* | 74.5479% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0528% | 2,093 |
| Loan loss allowance to noncurrent loans | 241.5493% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.7168% | 5,675 |
| Noncurrent loans to loans | 0.8499% | 5,522 |
| Net loans and leases to total assets | 70.8244% | 2,525 |
| Net loans and leases to deposits | 92.3477% | 1,401 |
| Net loans and leases to core deposits | 102.1065% | 1,644 |
| Total domestic deposits to total assets | 76.6932% | 6,545 |
| Equity capital to assets | 9.8458% | 4,355 |
| Core capital (leverage) ratio | 9.1748% | 4,413 |
| Tier 1 risk-based capital ratio | 12.4794% | 5,003 |
| Total risk-based capital ratio | 13.7380% | 4,972 |
| Memoranda: | ||
| Average total assets | $187,408,500 | 3,310 |
| Average earning assets | $169,413,750 | 3,335 |
| Average equity | $18,121,750 | 3,451 |
| Average total loans | $129,620,500 | 3,175 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7946% | 1,440 |
| Cost of funding earning assets | 1.5928% | 2,697 |
| Net interest margin | 4.2018% | 2,152 |
| Noninterest income to average assets | 0.9444% | 1,530 |
| Noninterest expense to average assets | 3.6301% | 1,706 |
| Loan and lease loss provision to assets | 0.6194% | 2,310 |
| Net operating income to assets | 0.3101% | 5,135 |
| Return on assets (ROA) | 0.4781% | 4,578 |
| Pretax return on assets | 0.7575% | 4,038 |
| Return on Equity (ROE) | 4.9737% | 4,297 |
| Retained earnings to average equity (ytd only) | 1.7131% | 5,017 |
| Net charge-offs to loans | 0.6408% | 2,623 |
| Credit loss provision to net charge-offs | 141.8491% | 2,812 |
| Earnings coverage of net charge-offs (x) | 2.5523% | 3,725 |
| Efficiency ratio | 76.5114% | 2,980 |
| Assets per employee ($millions) | 2.7296% | 6,733 |
| Cash dividends to net income (ytd only)* | 65.5556% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0081% | 2,153 |
| Loan loss allowance to noncurrent loans | 209.8514% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.7407% | 5,637 |
| Noncurrent loans to loans | 0.9569% | 5,392 |
| Net loans and leases to total assets | 69.5422% | 3,011 |
| Net loans and leases to deposits | 87.3108% | 2,291 |
| Net loans and leases to core deposits | 95.4294% | 2,515 |
| Total domestic deposits to total assets | 79.6489% | 5,835 |
| Equity capital to assets | 9.6655% | 4,443 |
| Core capital (leverage) ratio | 9.2299% | 4,251 |
| Tier 1 risk-based capital ratio | 12.2754% | 5,055 |
| Total risk-based capital ratio | 13.5294% | 5,026 |
| Memoranda: | ||
| Average total assets | $188,258,000 | 3,331 |
| Average earning assets | $170,261,330 | 3,337 |
| Average equity | $18,095,330 | 3,453 |
| Average total loans | $128,270,670 | 3,232 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6954% | 1,797 |
| Cost of funding earning assets | 1.6185% | 2,846 |
| Net interest margin | 4.0769% | 2,541 |
| Noninterest income to average assets | 0.9585% | 1,423 |
| Noninterest expense to average assets | 3.5788% | 1,790 |
| Loan and lease loss provision to assets | 0.5653% | 2,236 |
| Net operating income to assets | 0.3059% | 5,278 |
| Return on assets (ROA) | 0.6418% | 3,817 |
| Pretax return on assets | 1.0222% | 3,001 |
| Return on Equity (ROE) | 6.6959% | 3,518 |
| Retained earnings to average equity (ytd only) | 4.0796% | 3,705 |
| Net charge-offs to loans | 0.0637% | 4,776 |
| Credit loss provision to net charge-offs | 1,330.0000% | 369 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 992 |
| Efficiency ratio | 77.1062% | 3,045 |
| Assets per employee ($millions) | 2.7284% | 6,806 |
| Cash dividends to net income (ytd only)* | 39.0728% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2093% | 1,733 |
| Loan loss allowance to noncurrent loans | 152.8825% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 1.0826% | 4,978 |
| Noncurrent loans to loans | 1.4451% | 4,574 |
| Net loans and leases to total assets | 64.8470% | 4,132 |
| Net loans and leases to deposits | 82.5762% | 3,182 |
| Net loans and leases to core deposits | 90.2971% | 3,326 |
| Total domestic deposits to total assets | 78.5299% | 6,197 |
| Equity capital to assets | 9.6034% | 4,374 |
| Core capital (leverage) ratio | 9.1362% | 4,316 |
| Tier 1 risk-based capital ratio | 12.9637% | 4,360 |
| Total risk-based capital ratio | 14.2237% | 4,329 |
| Memoranda: | ||
| Average total assets | $188,217,500 | 3,385 |
| Average earning assets | $170,032,500 | 3,402 |
| Average equity | $18,041,000 | 3,474 |
| Average total loans | $125,576,500 | 3,357 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2921% | 1,046 |
| Cost of funding earning assets | 1.8585% | 3,686 |
| Net interest margin | 4.4335% | 1,336 |
| Noninterest income to average assets | 0.9503% | 1,747 |
| Noninterest expense to average assets | 3.7885% | 1,722 |
| Loan and lease loss provision to assets | 0.3545% | 4,676 |
| Net operating income to assets | 0.5355% | 3,587 |
| Return on assets (ROA) | 0.5563% | 3,585 |
| Pretax return on assets | 0.8537% | 3,075 |
| Return on Equity (ROE) | 5.9012% | 3,255 |
| Retained earnings to average equity (ytd only) | 3.7265% | 2,592 |
| Net charge-offs to loans | 0.5204% | 3,694 |
| Credit loss provision to net charge-offs | 101.5291% | 5,441 |
| Earnings coverage of net charge-offs (x) | 3.3685% | 3,374 |
| Efficiency ratio | 76.3093% | 3,477 |
| Assets per employee ($millions) | 2.8512% | 6,559 |
| Cash dividends to net income (ytd only)* | 36.8522% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9887% | 2,061 |
| Loan loss allowance to noncurrent loans | 185.9363% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.9130% | 5,266 |
| Noncurrent loans to loans | 1.0695% | 5,180 |
| Net loans and leases to total assets | 65.7909% | 4,209 |
| Net loans and leases to deposits | 82.8830% | 3,477 |
| Net loans and leases to core deposits | 119.1271% | 2,019 |
| Total domestic deposits to total assets | 79.3780% | 5,882 |
| Equity capital to assets | 9.5670% | 4,327 |
| Core capital (leverage) ratio | 8.9106% | 4,576 |
| Tier 1 risk-based capital ratio | 12.4244% | 4,574 |
| Total risk-based capital ratio | 13.6820% | 4,527 |
| Memoranda: | ||
| Average total assets | $187,305,400 | 3,321 |
| Average earning assets | $169,594,600 | 3,355 |
| Average equity | $17,657,400 | 3,559 |
| Average total loans | $125,679,200 | 3,359 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3174% | 1,096 |
| Cost of funding earning assets | 1.8942% | 3,913 |
| Net interest margin | 4.4232% | 1,385 |
| Noninterest income to average assets | 0.9500% | 1,780 |
| Noninterest expense to average assets | 3.7878% | 1,616 |
| Loan and lease loss provision to assets | 0.3806% | 4,047 |
| Net operating income to assets | 0.5140% | 3,921 |
| Return on assets (ROA) | 0.5224% | 3,982 |
| Pretax return on assets | 0.8017% | 3,538 |
| Return on Equity (ROE) | 5.5621% | 3,710 |
| Retained earnings to average equity (ytd only) | 3.5512% | 3,303 |
| Net charge-offs to loans | 0.5587% | 3,006 |
| Credit loss provision to net charge-offs | 101.5209% | 5,012 |
| Earnings coverage of net charge-offs (x) | 3.1198% | 3,675 |
| Efficiency ratio | 76.4089% | 3,433 |
| Assets per employee ($millions) | 2.8490% | 6,535 |
| Cash dividends to net income (ytd only)* | 36.1523% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8818% | 2,078 |
| Loan loss allowance to noncurrent loans | 213.4354% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.6832% | 5,776 |
| Noncurrent loans to loans | 0.8817% | 5,529 |
| Net loans and leases to total assets | 66.5727% | 4,289 |
| Net loans and leases to deposits | 82.7605% | 3,877 |
| Net loans and leases to core deposits | 119.5389% | 2,286 |
| Total domestic deposits to total assets | 80.4402% | 5,274 |
| Equity capital to assets | 9.1514% | 5,256 |
| Core capital (leverage) ratio | 8.5239% | 5,449 |
| Tier 1 risk-based capital ratio | 11.4910% | 5,436 |
| Total risk-based capital ratio | 12.7470% | 5,383 |
| Memoranda: | ||
| Average total assets | $187,087,250 | 3,354 |
| Average earning assets | $169,497,000 | 3,377 |
| Average equity | $17,571,000 | 3,601 |
| Average total loans | $125,520,000 | 3,394 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3713% | 1,061 |
| Cost of funding earning assets | 1.9468% | 4,025 |
| Net interest margin | 4.4246% | 1,353 |
| Noninterest income to average assets | 0.9645% | 1,715 |
| Noninterest expense to average assets | 3.8005% | 1,656 |
| Loan and lease loss provision to assets | 0.3958% | 3,544 |
| Net operating income to assets | 0.4949% | 4,108 |
| Return on assets (ROA) | 0.5078% | 4,179 |
| Pretax return on assets | 0.7742% | 3,767 |
| Return on Equity (ROE) | 5.3582% | 3,932 |
| Retained earnings to average equity (ytd only) | 3.7060% | 3,232 |
| Net charge-offs to loans | 0.6981% | 2,307 |
| Credit loss provision to net charge-offs | 84.8485% | 5,067 |
| Earnings coverage of net charge-offs (x) | 2.4662% | 3,834 |
| Efficiency ratio | 76.7626% | 3,549 |
| Assets per employee ($millions) | 2.7939% | 6,639 |
| Cash dividends to net income (ytd only)* | 30.8351% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8473% | 1,921 |
| Loan loss allowance to noncurrent loans | 138.8604% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.9885% | 4,992 |
| Noncurrent loans to loans | 1.3303% | 4,553 |
| Net loans and leases to total assets | 68.1566% | 4,131 |
| Net loans and leases to deposits | 85.1799% | 3,699 |
| Net loans and leases to core deposits | 122.3408% | 2,178 |
| Total domestic deposits to total assets | 80.0148% | 5,474 |
| Equity capital to assets | 9.2212% | 4,979 |
| Core capital (leverage) ratio | 8.6482% | 5,182 |
| Tier 1 risk-based capital ratio | 11.3104% | 5,580 |
| Total risk-based capital ratio | 12.5658% | 5,479 |
| Memoranda: | ||
| Average total assets | $183,922,330 | 3,425 |
| Average earning assets | $165,710,670 | 3,466 |
| Average equity | $17,431,330 | 3,633 |
| Average total loans | $122,900,000 | 3,474 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3224% | 1,239 |
| Cost of funding earning assets | 1.9890% | 4,188 |
| Net interest margin | 4.3334% | 1,509 |
| Noninterest income to average assets | 0.9995% | 1,487 |
| Noninterest expense to average assets | 3.8388% | 1,404 |
| Loan and lease loss provision to assets | 0.3759% | 3,073 |
| Net operating income to assets | 0.4378% | 4,709 |
| Return on assets (ROA) | 0.4378% | 4,884 |
| Pretax return on assets | 0.6678% | 4,532 |
| Return on Equity (ROE) | 4.5550% | 4,685 |
| Retained earnings to average equity (ytd only) | 2.8986% | 4,255 |
| Net charge-offs to loans | 0.4426% | 2,341 |
| Credit loss provision to net charge-offs | 129.7710% | 3,093 |
| Earnings coverage of net charge-offs (x) | 3.6031% | 3,124 |
| Efficiency ratio | 78.6232% | 3,060 |
| Assets per employee ($millions) | 2.6309% | 7,021 |
| Cash dividends to net income (ytd only)* | 36.3636% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1403% | 1,161 |
| Loan loss allowance to noncurrent loans | 112.7830% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 1.2924% | 4,098 |
| Noncurrent loans to loans | 1.8977% | 3,417 |
| Net loans and leases to total assets | 64.0019% | 4,986 |
| Net loans and leases to deposits | 77.7267% | 4,969 |
| Net loans and leases to core deposits | 109.9219% | 3,445 |
| Total domestic deposits to total assets | 82.3422% | 4,424 |
| Equity capital to assets | 9.6580% | 4,444 |
| Core capital (leverage) ratio | 8.8477% | 4,914 |
| Tier 1 risk-based capital ratio | 12.3607% | 4,651 |
| Total risk-based capital ratio | 13.6200% | 4,565 |
| Memoranda: | ||
| Average total assets | $180,890,500 | 3,493 |
| Average earning assets | $162,089,500 | 3,539 |
| Average equity | $17,387,500 | 3,655 |
| Average total loans | $118,387,500 | 3,598 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1627% | 800 |
| Cost of funding earning assets | 2.6948% | 3,177 |
| Net interest margin | 4.4678% | 1,498 |
| Noninterest income to average assets | 1.0842% | 1,339 |
| Noninterest expense to average assets | 3.9119% | 1,542 |
| Loan and lease loss provision to assets | 0.4129% | 3,221 |
| Net operating income to assets | 0.5712% | 4,438 |
| Return on assets (ROA) | 0.5774% | 4,272 |
| Pretax return on assets | 0.7307% | 4,300 |
| Return on Equity (ROE) | 6.1914% | 3,866 |
| Retained earnings to average equity (ytd only) | 4.0083% | 2,639 |
| Net charge-offs to loans | 0.6614% | 1,876 |
| Credit loss provision to net charge-offs | 96.4333% | 5,497 |
| Earnings coverage of net charge-offs (x) | 2.6526% | 4,756 |
| Efficiency ratio | 77.5014% | 2,993 |
| Assets per employee ($millions) | 2.5750% | 7,058 |
| Cash dividends to net income (ytd only)* | 35.2595% | 3,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1194% | 1,043 |
| Loan loss allowance to noncurrent loans | 115.3527% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 1.2577% | 3,710 |
| Noncurrent loans to loans | 1.8373% | 3,005 |
| Net loans and leases to total assets | 64.1047% | 5,251 |
| Net loans and leases to deposits | 81.0297% | 4,866 |
| Net loans and leases to core deposits | 112.8760% | 3,460 |
| Total domestic deposits to total assets | 79.1126% | 5,333 |
| Equity capital to assets | 9.5661% | 4,590 |
| Core capital (leverage) ratio | 8.6680% | 5,254 |
| Tier 1 risk-based capital ratio | 12.2196% | 4,653 |
| Total risk-based capital ratio | 13.4783% | 4,535 |
| Memoranda: | ||
| Average total assets | $176,817,200 | 3,449 |
| Average earning assets | $156,855,000 | 3,534 |
| Average equity | $16,490,600 | 3,826 |
| Average total loans | $114,453,200 | 3,579 |