Home > United Bank & Trust Co. > Performance and Condition Ratios
United Bank & Trust Co., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 4,241 |
| Cost of funding earning assets | 0.9185% | 3,479 |
| Net interest margin | 2.8212% | 3,622 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.1386% | 3,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7969% | 2,882 |
| Return on assets (ROA) | 0.7969% | 2,864 |
| Pretax return on assets | 1.0151% | 2,636 |
| Return on Equity (ROE) | 10.6700% | 2,319 |
| Retained earnings to average equity (ytd only) | 3.6871% | 3,059 |
| Net charge-offs to loans | -0.0058% | 3,862 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.8981% | 2,123 |
| Assets per employee ($millions) | 6.9720% | 2,093 |
| Cash dividends to net income (ytd only)* | 65.4582% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 1,451 |
| Loan loss allowance to noncurrent loans | 47.2168% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.7279% | 196 |
| Noncurrent loans to loans | 2.9271% | 150 |
| Net loans and leases to total assets | 58.2200% | 3,017 |
| Net loans and leases to deposits | 65.0376% | 3,237 |
| Net loans and leases to core deposits | 66.9308% | 3,453 |
| Total domestic deposits to total assets | 89.5100% | 901 |
| Equity capital to assets | 8.3603% | 3,150 |
| Core capital (leverage) ratio | 9.5089% | 3,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0715% | 1,257 |
| Memoranda: | ||
| Average total assets | $124,612,200 | 3,603 |
| Average earning assets | $118,671,800 | 3,560 |
| Average equity | $9,302,800 | 3,792 |
| Average total loans | $69,420,200 | 3,561 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6803% | 4,232 |
| Cost of funding earning assets | 0.8306% | 3,452 |
| Net interest margin | 2.8497% | 3,641 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.0750% | 3,411 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 0.8647% | 2,817 |
| Return on assets (ROA) | 0.8647% | 2,798 |
| Pretax return on assets | 1.1046% | 2,554 |
| Return on Equity (ROE) | 11.9200% | 2,142 |
| Retained earnings to average equity (ytd only) | 5.3616% | 2,820 |
| Net charge-offs to loans | -0.0058% | 3,785 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.1388% | 2,261 |
| Assets per employee ($millions) | 6.6575% | 2,213 |
| Cash dividends to net income (ytd only)* | 55.0122% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 1,633 |
| Loan loss allowance to noncurrent loans | 47.6313% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.6206% | 216 |
| Noncurrent loans to loans | 2.8452% | 150 |
| Net loans and leases to total assets | 56.1900% | 3,184 |
| Net loans and leases to deposits | 61.7973% | 3,410 |
| Net loans and leases to core deposits | 63.8090% | 3,537 |
| Total domestic deposits to total assets | 90.9200% | 691 |
| Equity capital to assets | 7.5354% | 3,337 |
| Core capital (leverage) ratio | 9.4469% | 3,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9832% | 1,322 |
| Memoranda: | ||
| Average total assets | $126,134,250 | 3,603 |
| Average earning assets | $119,914,000 | 3,557 |
| Average equity | $9,151,250 | 3,810 |
| Average total loans | $69,283,250 | 3,571 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5808% | 4,271 |
| Cost of funding earning assets | 0.6854% | 3,525 |
| Net interest margin | 2.8954% | 3,652 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.0244% | 3,537 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9155% | 2,705 |
| Return on assets (ROA) | 0.9155% | 2,689 |
| Pretax return on assets | 1.1744% | 2,432 |
| Return on Equity (ROE) | 12.7700% | 1,953 |
| Retained earnings to average equity (ytd only) | 6.2448% | 2,529 |
| Net charge-offs to loans | -0.0057% | 3,747 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.2554% | 2,566 |
| Assets per employee ($millions) | 7.0862% | 1,859 |
| Cash dividends to net income (ytd only)* | 51.1073% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 1,503 |
| Loan loss allowance to noncurrent loans | 66.3900% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.1337% | 375 |
| Noncurrent loans to loans | 2.1208% | 250 |
| Net loans and leases to total assets | 52.7000% | 3,356 |
| Net loans and leases to deposits | 58.0060% | 3,537 |
| Net loans and leases to core deposits | 59.9554% | 3,637 |
| Total domestic deposits to total assets | 90.8600% | 690 |
| Equity capital to assets | 7.3429% | 3,611 |
| Core capital (leverage) ratio | 8.9848% | 3,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9555% | 1,328 |
| Memoranda: | ||
| Average total assets | $128,234,000 | 3,589 |
| Average earning assets | $122,262,000 | 3,538 |
| Average equity | $9,191,667 | 3,826 |
| Average total loans | $69,626,000 | 3,573 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4670% | 4,299 |
| Cost of funding earning assets | 0.4948% | 3,706 |
| Net interest margin | 2.9722% | 3,656 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 1.8822% | 3,889 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.9426% | 2,712 |
| Return on assets (ROA) | 0.9426% | 2,667 |
| Pretax return on assets | 1.2071% | 2,407 |
| Return on Equity (ROE) | 13.3100% | 1,925 |
| Retained earnings to average equity (ytd only) | 6.7220% | 2,576 |
| Net charge-offs to loans | -0.0057% | 3,679 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.4549% | 3,250 |
| Assets per employee ($millions) | 7.0717% | 1,923 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4532% | 1,423 |
| Loan loss allowance to noncurrent loans | 69.8100% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.1580% | 319 |
| Noncurrent loans to loans | 2.0817% | 263 |
| Net loans and leases to total assets | 54.8200% | 3,132 |
| Net loans and leases to deposits | 59.5367% | 3,360 |
| Net loans and leases to core deposits | 60.5367% | 3,515 |
| Total domestic deposits to total assets | 92.0800% | 495 |
| Equity capital to assets | 7.3792% | 3,629 |
| Core capital (leverage) ratio | 8.9837% | 3,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2220% | 1,565 |
| Memoranda: | ||
| Average total assets | $128,575,000 | 3,633 |
| Average earning assets | $122,872,500 | 3,574 |
| Average equity | $9,104,500 | 3,882 |
| Average total loans | $70,348,000 | 3,596 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0173% | 4,109 |
| Cost of funding earning assets | 0.2617% | 3,232 |
| Net interest margin | 2.7556% | 3,969 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.0198% | 3,533 |
| Loan and lease loss provision to assets | -0.1100% | 4,542 |
| Net operating income to assets | 0.9590% | 2,728 |
| Return on assets (ROA) | 0.9590% | 2,675 |
| Pretax return on assets | 1.2668% | 2,212 |
| Return on Equity (ROE) | 13.0800% | 1,784 |
| Retained earnings to average equity (ytd only) | 6.7225% | 2,355 |
| Net charge-offs to loans | -0.0075% | 3,731 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.5142% | 2,565 |
| Assets per employee ($millions) | 7.6388% | 1,523 |
| Cash dividends to net income (ytd only)* | 48.6224% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 1,754 |
| Loan loss allowance to noncurrent loans | 61.9587% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.1559% | 333 |
| Noncurrent loans to loans | 2.1478% | 246 |
| Net loans and leases to total assets | 53.1000% | 3,276 |
| Net loans and leases to deposits | 57.4206% | 3,494 |
| Net loans and leases to core deposits | 58.1136% | 3,606 |
| Total domestic deposits to total assets | 92.4800% | 528 |
| Equity capital to assets | 6.7889% | 3,773 |
| Core capital (leverage) ratio | 8.8571% | 3,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1448% | 1,590 |
| Memoranda: | ||
| Average total assets | $128,675,400 | 3,646 |
| Average earning assets | $122,660,400 | 3,590 |
| Average equity | $9,431,000 | 3,942 |
| Average total loans | $66,868,400 | 3,630 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9238% | 4,026 |
| Cost of funding earning assets | 0.2178% | 3,066 |
| Net interest margin | 2.7061% | 3,911 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 1.9785% | 3,539 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.8558% | 3,044 |
| Return on assets (ROA) | 0.8558% | 3,022 |
| Pretax return on assets | 1.1393% | 2,597 |
| Return on Equity (ROE) | 11.4600% | 2,220 |
| Retained earnings to average equity (ytd only) | 5.2026% | 3,023 |
| Net charge-offs to loans | -0.0061% | 3,537 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.9336% | 2,698 |
| Assets per employee ($millions) | 7.0540% | 1,907 |
| Cash dividends to net income (ytd only)* | 54.6117% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 1,087 |
| Loan loss allowance to noncurrent loans | 71.0749% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.2089% | 338 |
| Noncurrent loans to loans | 2.2361% | 257 |
| Net loans and leases to total assets | 53.2000% | 3,165 |
| Net loans and leases to deposits | 57.5663% | 3,373 |
| Net loans and leases to core deposits | 58.1490% | 3,494 |
| Total domestic deposits to total assets | 92.4200% | 737 |
| Equity capital to assets | 6.4258% | 3,777 |
| Core capital (leverage) ratio | 8.5048% | 4,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0909% | 1,679 |
| Memoranda: | ||
| Average total assets | $128,379,500 | 3,676 |
| Average earning assets | $122,438,250 | 3,619 |
| Average equity | $9,584,750 | 3,963 |
| Average total loans | $66,113,750 | 3,663 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7227% | 4,109 |
| Cost of funding earning assets | 0.1985% | 2,930 |
| Net interest margin | 2.5242% | 4,049 |
| Noninterest income to average assets | 0.4998% | 2,208 |
| Noninterest expense to average assets | 2.0086% | 3,412 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6504% | 3,471 |
| Return on assets (ROA) | 0.6504% | 3,421 |
| Pretax return on assets | 0.8987% | 3,069 |
| Return on Equity (ROE) | 8.3300% | 2,922 |
| Retained earnings to average equity (ytd only) | 2.3658% | 3,653 |
| Net charge-offs to loans | -0.0061% | 3,409 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0870% | 2,090 |
| Assets per employee ($millions) | 7.0326% | 1,918 |
| Cash dividends to net income (ytd only)* | 71.5990% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6164% | 1,109 |
| Loan loss allowance to noncurrent loans | 66.5000% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.1974% | 352 |
| Noncurrent loans to loans | 2.4307% | 239 |
| Net loans and leases to total assets | 48.4673% | 3,512 |
| Net loans and leases to deposits | 52.4788% | 3,650 |
| Net loans and leases to core deposits | 53.2022% | 3,746 |
| Total domestic deposits to total assets | 92.3559% | 703 |
| Equity capital to assets | 6.7542% | 3,908 |
| Core capital (leverage) ratio | 8.4706% | 3,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1156% | 1,678 |
| Memoranda: | ||
| Average total assets | $128,848,667 | 3,709 |
| Average earning assets | $122,891,333 | 3,664 |
| Average equity | $10,060,000 | 3,981 |
| Average total loans | $65,270,000 | 3,706 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7341% | 3,877 |
| Cost of funding earning assets | 0.2090% | 2,681 |
| Net interest margin | 2.5250% | 3,848 |
| Noninterest income to average assets | 0.5535% | 1,883 |
| Noninterest expense to average assets | 1.9610% | 3,530 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7907% | 2,692 |
| Return on assets (ROA) | 0.7907% | 2,688 |
| Pretax return on assets | 0.9995% | 2,443 |
| Return on Equity (ROE) | 9.4540% | 2,170 |
| Retained earnings to average equity (ytd only) | 3.7816% | 3,017 |
| Net charge-offs to loans | -0.0062% | 3,408 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2393% | 2,740 |
| Assets per employee ($millions) | 7.0296% | 1,972 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 1,221 |
| Loan loss allowance to noncurrent loans | 65.6984% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.2787% | 327 |
| Noncurrent loans to loans | 2.4615% | 247 |
| Net loans and leases to total assets | 51.1088% | 3,058 |
| Net loans and leases to deposits | 56.0167% | 3,265 |
| Net loans and leases to core deposits | 56.8409% | 3,389 |
| Total domestic deposits to total assets | 91.2386% | 917 |
| Equity capital to assets | 7.8170% | 3,715 |
| Core capital (leverage) ratio | 8.6780% | 3,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3029% | 1,692 |
| Memoranda: | ||
| Average total assets | $126,463,000 | 3,750 |
| Average earning assets | $120,553,500 | 3,708 |
| Average equity | $10,577,500 | 3,998 |
| Average total loans | $64,992,000 | 3,718 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9572% | 3,944 |
| Cost of funding earning assets | 0.3092% | 2,309 |
| Net interest margin | 2.6480% | 3,967 |
| Noninterest income to average assets | 1.0132% | 981 |
| Noninterest expense to average assets | 2.1961% | 3,099 |
| Loan and lease loss provision to assets | 0.0313% | 2,427 |
| Net operating income to assets | 1.0124% | 2,623 |
| Return on assets (ROA) | 1.0124% | 2,697 |
| Pretax return on assets | 1.2834% | 2,408 |
| Return on Equity (ROE) | 10.8605% | 2,211 |
| Retained earnings to average equity (ytd only) | 4.4538% | 3,030 |
| Net charge-offs to loans | -0.0099% | 3,739 |
| Credit loss provision to net charge-offs | -633.3333% | 3,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5528% | 2,786 |
| Assets per employee ($millions) | 6.6523% | 2,195 |
| Cash dividends to net income (ytd only)* | 58.9910% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6529% | 1,149 |
| Loan loss allowance to noncurrent loans | 59.0656% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.4225% | 307 |
| Noncurrent loans to loans | 2.7984% | 223 |
| Net loans and leases to total assets | 49.9945% | 3,277 |
| Net loans and leases to deposits | 56.7128% | 3,360 |
| Net loans and leases to core deposits | 57.3162% | 3,529 |
| Total domestic deposits to total assets | 88.1537% | 1,955 |
| Equity capital to assets | 8.9118% | 3,712 |
| Core capital (leverage) ratio | 8.9147% | 3,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6743% | 1,622 |
| Memoranda: | ||
| Average total assets | $121,397,600 | 3,784 |
| Average earning assets | $114,499,600 | 3,755 |
| Average equity | $11,316,200 | 4,004 |
| Average total loans | $60,372,400 | 3,809 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9736% | 4,053 |
| Cost of funding earning assets | 0.3288% | 2,311 |
| Net interest margin | 2.6447% | 4,067 |
| Noninterest income to average assets | 1.0054% | 1,064 |
| Noninterest expense to average assets | 2.1251% | 3,290 |
| Loan and lease loss provision to assets | 0.0757% | 1,537 |
| Net operating income to assets | 1.0154% | 2,850 |
| Return on assets (ROA) | 1.0154% | 2,914 |
| Pretax return on assets | 1.2862% | 2,658 |
| Return on Equity (ROE) | 10.7683% | 2,455 |
| Retained earnings to average equity (ytd only) | 4.5898% | 3,374 |
| Net charge-offs to loans | -0.0112% | 3,719 |
| Credit loss provision to net charge-offs | -1,360.0000% | 3,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9484% | 2,845 |
| Assets per employee ($millions) | 6.3174% | 2,404 |
| Cash dividends to net income (ytd only)* | 57.3770% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 1,037 |
| Loan loss allowance to noncurrent loans | 63.8759% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.4230% | 362 |
| Noncurrent loans to loans | 2.7208% | 260 |
| Net loans and leases to total assets | 51.3901% | 3,257 |
| Net loans and leases to deposits | 58.9612% | 3,327 |
| Net loans and leases to core deposits | 59.6280% | 3,493 |
| Total domestic deposits to total assets | 87.1592% | 2,287 |
| Equity capital to assets | 9.5425% | 3,335 |
| Core capital (leverage) ratio | 9.1074% | 3,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7279% | 1,712 |
| Memoranda: | ||
| Average total assets | $120,148,500 | 3,840 |
| Average earning assets | $112,724,000 | 3,822 |
| Average equity | $11,329,250 | 4,052 |
| Average total loans | $59,402,500 | 3,875 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9158% | 4,199 |
| Cost of funding earning assets | 0.3460% | 2,347 |
| Net interest margin | 2.5698% | 4,214 |
| Noninterest income to average assets | 1.0251% | 1,032 |
| Noninterest expense to average assets | 2.1916% | 3,118 |
| Loan and lease loss provision to assets | 0.1132% | 1,116 |
| Net operating income to assets | 0.8853% | 3,265 |
| Return on assets (ROA) | 0.8853% | 3,338 |
| Pretax return on assets | 1.1183% | 3,153 |
| Return on Equity (ROE) | 9.4262% | 2,971 |
| Retained earnings to average equity (ytd only) | 3.2248% | 3,768 |
| Net charge-offs to loans | -0.0137% | 3,813 |
| Credit loss provision to net charge-offs | -1,700.0000% | 3,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0253% | 2,425 |
| Assets per employee ($millions) | 6.0153% | 2,595 |
| Cash dividends to net income (ytd only)* | 65.7895% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 938 |
| Loan loss allowance to noncurrent loans | 65.8610% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.3757% | 450 |
| Noncurrent loans to loans | 2.6839% | 290 |
| Net loans and leases to total assets | 50.3495% | 3,526 |
| Net loans and leases to deposits | 57.7827% | 3,563 |
| Net loans and leases to core deposits | 58.4349% | 3,733 |
| Total domestic deposits to total assets | 87.1360% | 2,248 |
| Equity capital to assets | 9.4044% | 3,423 |
| Core capital (leverage) ratio | 8.7999% | 3,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,187,667 | 3,850 |
| Average earning assets | $112,148,667 | 3,834 |
| Average equity | $11,287,667 | 4,066 |
| Average total loans | $58,278,333 | 3,923 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9502% | 4,184 |
| Cost of funding earning assets | 0.3629% | 2,419 |
| Net interest margin | 2.5873% | 4,172 |
| Noninterest income to average assets | 1.1155% | 963 |
| Noninterest expense to average assets | 2.0778% | 3,486 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1255% | 2,399 |
| Return on assets (ROA) | 1.1255% | 2,471 |
| Pretax return on assets | 1.4351% | 2,184 |
| Return on Equity (ROE) | 11.9917% | 2,017 |
| Retained earnings to average equity (ytd only) | 6.6699% | 2,674 |
| Net charge-offs to loans | -0.0071% | 3,524 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1469% | 3,134 |
| Assets per employee ($millions) | 5.5775% | 3,041 |
| Cash dividends to net income (ytd only)* | 44.3787% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8246% | 835 |
| Loan loss allowance to noncurrent loans | 61.2748% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.3553% | 506 |
| Noncurrent loans to loans | 2.9777% | 270 |
| Net loans and leases to total assets | 44.6832% | 4,067 |
| Net loans and leases to deposits | 50.8722% | 4,114 |
| Net loans and leases to core deposits | 51.5504% | 4,216 |
| Total domestic deposits to total assets | 87.8343% | 1,925 |
| Equity capital to assets | 9.1202% | 3,573 |
| Core capital (leverage) ratio | 9.1440% | 3,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,129,000 | 3,857 |
| Average earning assets | $111,314,500 | 3,854 |
| Average equity | $11,274,500 | 4,080 |
| Average total loans | $56,586,000 | 3,979 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5459% | 3,932 |
| Cost of funding earning assets | 0.5208% | 2,810 |
| Net interest margin | 3.0251% | 3,830 |
| Noninterest income to average assets | 1.0382% | 981 |
| Noninterest expense to average assets | 2.3322% | 3,320 |
| Loan and lease loss provision to assets | 0.1940% | 2,017 |
| Net operating income to assets | 1.0727% | 2,013 |
| Return on assets (ROA) | 1.0727% | 2,159 |
| Pretax return on assets | 1.3402% | 1,854 |
| Return on Equity (ROE) | 10.9260% | 1,659 |
| Retained earnings to average equity (ytd only) | 5.3845% | 2,104 |
| Net charge-offs to loans | -0.0084% | 4,221 |
| Credit loss provision to net charge-offs | -4,280.0000% | 4,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3189% | 3,409 |
| Assets per employee ($millions) | 5.8776% | 2,466 |
| Cash dividends to net income (ytd only)* | 50.7185% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7759% | 892 |
| Loan loss allowance to noncurrent loans | 59.4279% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.4572% | 513 |
| Noncurrent loans to loans | 2.9883% | 284 |
| Net loans and leases to total assets | 47.8988% | 3,983 |
| Net loans and leases to deposits | 54.8920% | 4,077 |
| Net loans and leases to core deposits | 55.6614% | 4,167 |
| Total domestic deposits to total assets | 87.2601% | 1,816 |
| Equity capital to assets | 9.6621% | 3,450 |
| Core capital (leverage) ratio | 9.1846% | 3,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,283,000 | 3,878 |
| Average earning assets | $103,104,600 | 3,857 |
| Average equity | $10,827,400 | 4,103 |
| Average total loans | $59,842,600 | 3,923 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5835% | 4,056 |
| Cost of funding earning assets | 0.5457% | 2,960 |
| Net interest margin | 3.0379% | 3,889 |
| Noninterest income to average assets | 0.9711% | 1,081 |
| Noninterest expense to average assets | 2.3097% | 3,399 |
| Loan and lease loss provision to assets | 0.0691% | 3,465 |
| Net operating income to assets | 1.1444% | 1,840 |
| Return on assets (ROA) | 1.1444% | 1,954 |
| Pretax return on assets | 1.4394% | 1,610 |
| Return on Equity (ROE) | 11.6067% | 1,477 |
| Retained earnings to average equity (ytd only) | 5.9966% | 2,109 |
| Net charge-offs to loans | -0.0088% | 4,195 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4958% | 3,309 |
| Assets per employee ($millions) | 5.3083% | 2,882 |
| Cash dividends to net income (ytd only)* | 48.3351% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 1,684 |
| Loan loss allowance to noncurrent loans | 49.4816% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.5573% | 538 |
| Noncurrent loans to loans | 2.8560% | 344 |
| Net loans and leases to total assets | 53.7578% | 3,823 |
| Net loans and leases to deposits | 62.3878% | 3,906 |
| Net loans and leases to core deposits | 63.3427% | 4,035 |
| Total domestic deposits to total assets | 86.1672% | 1,993 |
| Equity capital to assets | 10.0974% | 3,151 |
| Core capital (leverage) ratio | 9.5743% | 3,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,465,750 | 3,893 |
| Average earning assets | $101,648,000 | 3,869 |
| Average equity | $10,694,750 | 4,129 |
| Average total loans | $60,472,250 | 3,930 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5566% | 4,340 |
| Cost of funding earning assets | 0.5612% | 3,174 |
| Net interest margin | 2.9955% | 4,131 |
| Noninterest income to average assets | 0.8449% | 1,306 |
| Noninterest expense to average assets | 2.3152% | 3,476 |
| Loan and lease loss provision to assets | 0.1042% | 2,971 |
| Net operating income to assets | 1.0199% | 2,255 |
| Return on assets (ROA) | 1.0199% | 2,381 |
| Pretax return on assets | 1.2767% | 2,105 |
| Return on Equity (ROE) | 10.4305% | 1,834 |
| Retained earnings to average equity (ytd only) | 4.7204% | 2,598 |
| Net charge-offs to loans | -0.0066% | 4,089 |
| Credit loss provision to net charge-offs | -2,800.0000% | 3,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6385% | 3,020 |
| Assets per employee ($millions) | 5.7091% | 2,438 |
| Cash dividends to net income (ytd only)* | 54.7445% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3544% | 1,754 |
| Loan loss allowance to noncurrent loans | 49.2537% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.4530% | 657 |
| Noncurrent loans to loans | 2.7499% | 389 |
| Net loans and leases to total assets | 52.1215% | 4,022 |
| Net loans and leases to deposits | 59.6326% | 4,136 |
| Net loans and leases to core deposits | 60.4682% | 4,236 |
| Total domestic deposits to total assets | 87.4044% | 1,449 |
| Equity capital to assets | 9.1700% | 3,954 |
| Core capital (leverage) ratio | 9.5625% | 3,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,463,000 | 3,900 |
| Average earning assets | $102,287,667 | 3,860 |
| Average equity | $10,507,667 | 4,167 |
| Average total loans | $60,368,000 | 3,938 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6776% | 4,433 |
| Cost of funding earning assets | 0.6529% | 3,153 |
| Net interest margin | 3.0247% | 4,241 |
| Noninterest income to average assets | 0.5136% | 2,480 |
| Noninterest expense to average assets | 2.2874% | 3,795 |
| Loan and lease loss provision to assets | 0.1225% | 2,168 |
| Net operating income to assets | 0.8059% | 2,891 |
| Return on assets (ROA) | 0.8059% | 2,980 |
| Pretax return on assets | 0.9956% | 2,856 |
| Return on Equity (ROE) | 7.9497% | 2,540 |
| Retained earnings to average equity (ytd only) | 2.1043% | 3,407 |
| Net charge-offs to loans | -0.0068% | 3,946 |
| Credit loss provision to net charge-offs | -3,100.0000% | 3,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1694% | 2,796 |
| Assets per employee ($millions) | 4.8588% | 2,805 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 1,695 |
| Loan loss allowance to noncurrent loans | 48.5681% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 1.6769% | 593 |
| Noncurrent loans to loans | 2.8851% | 381 |
| Net loans and leases to total assets | 57.3078% | 3,726 |
| Net loans and leases to deposits | 67.0504% | 3,792 |
| Net loans and leases to core deposits | 67.9733% | 3,992 |
| Total domestic deposits to total assets | 85.4697% | 2,220 |
| Equity capital to assets | 9.9946% | 3,793 |
| Core capital (leverage) ratio | 9.9954% | 3,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,249,000 | 3,971 |
| Average earning assets | $96,802,000 | 3,913 |
| Average equity | $10,264,500 | 4,209 |
| Average total loans | $58,878,500 | 3,974 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7556% | 4,624 |
| Cost of funding earning assets | 0.8222% | 2,577 |
| Net interest margin | 2.9334% | 4,616 |
| Noninterest income to average assets | 0.5677% | 2,383 |
| Noninterest expense to average assets | 2.3284% | 3,877 |
| Loan and lease loss provision to assets | 0.0038% | 3,926 |
| Net operating income to assets | 0.8692% | 3,322 |
| Return on assets (ROA) | 0.8809% | 3,364 |
| Pretax return on assets | 1.0748% | 3,246 |
| Return on Equity (ROE) | 6.9532% | 3,559 |
| Retained earnings to average equity (ytd only) | -30.0158% | 5,158 |
| Net charge-offs to loans | -0.0139% | 4,554 |
| Credit loss provision to net charge-offs | -50.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6280% | 2,367 |
| Assets per employee ($millions) | 4.7840% | 2,858 |
| Cash dividends to net income (ytd only)* | 531.6864% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 1,642 |
| Loan loss allowance to noncurrent loans | 1,079.7297% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 4,268 |
| Noncurrent loans to loans | 0.1266% | 4,017 |
| Net loans and leases to total assets | 57.3873% | 3,819 |
| Net loans and leases to deposits | 68.3279% | 3,789 |
| Net loans and leases to core deposits | 69.3003% | 4,004 |
| Total domestic deposits to total assets | 83.9881% | 2,847 |
| Equity capital to assets | 10.2834% | 3,638 |
| Core capital (leverage) ratio | 9.7773% | 3,754 |
| Tier 1 risk-based capital ratio | 13.2143% | 3,674 |
| Total risk-based capital ratio | 14.3028% | 3,643 |
| Memoranda: | ||
| Average total assets | $105,693,000 | 3,904 |
| Average earning assets | $101,794,000 | 3,840 |
| Average equity | $13,389,600 | 3,845 |
| Average total loans | $57,707,400 | 4,017 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7196% | 4,762 |
| Cost of funding earning assets | 0.8419% | 2,503 |
| Net interest margin | 2.8777% | 4,780 |
| Noninterest income to average assets | 0.5358% | 2,533 |
| Noninterest expense to average assets | 2.2255% | 4,136 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8955% | 3,363 |
| Return on assets (ROA) | 0.9109% | 3,387 |
| Pretax return on assets | 1.1102% | 3,264 |
| Return on Equity (ROE) | 6.8858% | 3,726 |
| Retained earnings to average equity (ytd only) | -0.1790% | 4,776 |
| Net charge-offs to loans | -0.0093% | 4,351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0924% | 2,571 |
| Assets per employee ($millions) | 4.8960% | 2,667 |
| Cash dividends to net income (ytd only)* | 102.5999% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 1,966 |
| Loan loss allowance to noncurrent loans | 1,440.0000% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 4,443 |
| Noncurrent loans to loans | 0.0903% | 4,245 |
| Net loans and leases to total assets | 58.4903% | 3,822 |
| Net loans and leases to deposits | 73.2658% | 3,537 |
| Net loans and leases to core deposits | 74.8013% | 3,779 |
| Total domestic deposits to total assets | 79.8331% | 4,019 |
| Equity capital to assets | 13.9627% | 1,169 |
| Core capital (leverage) ratio | 13.3368% | 1,198 |
| Tier 1 risk-based capital ratio | 17.8031% | 1,878 |
| Total risk-based capital ratio | 18.8504% | 1,883 |
| Memoranda: | ||
| Average total assets | $107,000,500 | 3,914 |
| Average earning assets | $103,412,750 | 3,856 |
| Average equity | $14,154,250 | 3,761 |
| Average total loans | $57,521,250 | 4,070 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6971% | 4,834 |
| Cost of funding earning assets | 0.8608% | 2,349 |
| Net interest margin | 2.8363% | 4,887 |
| Noninterest income to average assets | 0.4687% | 2,851 |
| Noninterest expense to average assets | 2.0850% | 4,441 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9336% | 3,156 |
| Return on assets (ROA) | 0.9336% | 3,214 |
| Pretax return on assets | 1.1255% | 3,157 |
| Return on Equity (ROE) | 7.1839% | 3,606 |
| Retained earnings to average equity (ytd only) | 0.0852% | 4,666 |
| Net charge-offs to loans | -0.0106% | 4,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9425% | 2,987 |
| Assets per employee ($millions) | 4.9002% | 2,602 |
| Cash dividends to net income (ytd only)* | 98.8142% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 1,649 |
| Loan loss allowance to noncurrent loans | 1,362.0690% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 4,494 |
| Noncurrent loans to loans | 0.1022% | 4,212 |
| Net loans and leases to total assets | 51.9141% | 4,359 |
| Net loans and leases to deposits | 61.8300% | 4,338 |
| Net loans and leases to core deposits | 63.0007% | 4,456 |
| Total domestic deposits to total assets | 83.9627% | 2,885 |
| Equity capital to assets | 13.3092% | 1,436 |
| Core capital (leverage) ratio | 12.8289% | 1,388 |
| Tier 1 risk-based capital ratio | 17.7789% | 1,861 |
| Total risk-based capital ratio | 18.8205% | 1,876 |
| Memoranda: | ||
| Average total assets | $108,395,000 | 3,921 |
| Average earning assets | $104,784,000 | 3,862 |
| Average equity | $14,087,000 | 3,775 |
| Average total loans | $56,385,000 | 4,119 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7168% | 4,820 |
| Cost of funding earning assets | 0.8472% | 2,285 |
| Net interest margin | 2.8697% | 4,915 |
| Noninterest income to average assets | 0.4159% | 3,075 |
| Noninterest expense to average assets | 2.0388% | 4,579 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9532% | 3,038 |
| Return on assets (ROA) | 0.9532% | 3,080 |
| Pretax return on assets | 1.1445% | 2,992 |
| Return on Equity (ROE) | 7.4231% | 3,490 |
| Retained earnings to average equity (ytd only) | 0.2579% | 4,477 |
| Net charge-offs to loans | -0.0142% | 4,359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0462% | 3,233 |
| Assets per employee ($millions) | 4.9604% | 2,575 |
| Cash dividends to net income (ytd only)* | 96.5251% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 1,780 |
| Loan loss allowance to noncurrent loans | 1,024.6753% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 4,461 |
| Noncurrent loans to loans | 0.1339% | 4,137 |
| Net loans and leases to total assets | 51.9894% | 4,335 |
| Net loans and leases to deposits | 62.4395% | 4,280 |
| Net loans and leases to core deposits | 63.7880% | 4,393 |
| Total domestic deposits to total assets | 83.2637% | 3,295 |
| Equity capital to assets | 12.9508% | 1,483 |
| Core capital (leverage) ratio | 12.8719% | 1,334 |
| Tier 1 risk-based capital ratio | 17.6190% | 1,906 |
| Total risk-based capital ratio | 18.6497% | 1,925 |
| Memoranda: | ||
| Average total assets | $108,690,000 | 3,958 |
| Average earning assets | $104,820,500 | 3,903 |
| Average equity | $13,956,500 | 3,806 |
| Average total loans | $56,199,500 | 4,163 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4781% | 4,943 |
| Cost of funding earning assets | 0.6769% | 2,228 |
| Net interest margin | 2.8012% | 5,022 |
| Noninterest income to average assets | 0.5358% | 2,634 |
| Noninterest expense to average assets | 2.0648% | 4,622 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9877% | 3,066 |
| Return on assets (ROA) | 0.9877% | 3,065 |
| Pretax return on assets | 1.1794% | 2,969 |
| Return on Equity (ROE) | 7.7964% | 3,523 |
| Retained earnings to average equity (ytd only) | -0.1297% | 5,003 |
| Net charge-offs to loans | -0.0109% | 4,515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6466% | 3,232 |
| Assets per employee ($millions) | 5.4126% | 2,048 |
| Cash dividends to net income (ytd only)* | 101.6636% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 1,510 |
| Loan loss allowance to noncurrent loans | 401.5306% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 3,904 |
| Noncurrent loans to loans | 0.3572% | 3,260 |
| Net loans and leases to total assets | 49.9649% | 4,522 |
| Net loans and leases to deposits | 58.9926% | 4,526 |
| Net loans and leases to core deposits | 60.0858% | 4,627 |
| Total domestic deposits to total assets | 84.6968% | 2,769 |
| Equity capital to assets | 12.7296% | 1,471 |
| Core capital (leverage) ratio | 12.6976% | 1,375 |
| Tier 1 risk-based capital ratio | 18.4395% | 1,630 |
| Total risk-based capital ratio | 19.5163% | 1,627 |
| Memoranda: | ||
| Average total assets | $109,548,600 | 3,953 |
| Average earning assets | $105,919,600 | 3,877 |
| Average equity | $13,878,200 | 3,764 |
| Average total loans | $55,141,000 | 4,206 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4332% | 5,001 |
| Cost of funding earning assets | 0.6320% | 2,259 |
| Net interest margin | 2.8012% | 5,085 |
| Noninterest income to average assets | 0.5206% | 2,739 |
| Noninterest expense to average assets | 1.9938% | 4,751 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0278% | 2,974 |
| Return on assets (ROA) | 1.0278% | 2,986 |
| Pretax return on assets | 1.2378% | 2,853 |
| Return on Equity (ROE) | 8.1229% | 3,500 |
| Retained earnings to average equity (ytd only) | 1.4098% | 4,746 |
| Net charge-offs to loans | -0.0121% | 4,447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6973% | 3,554 |
| Assets per employee ($millions) | 5.5666% | 1,857 |
| Cash dividends to net income (ytd only)* | 82.6443% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3832% | 1,768 |
| Loan loss allowance to noncurrent loans | 391.0448% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 4,042 |
| Noncurrent loans to loans | 0.3537% | 3,385 |
| Net loans and leases to total assets | 50.3364% | 4,570 |
| Net loans and leases to deposits | 59.4085% | 4,582 |
| Net loans and leases to core deposits | 61.9713% | 4,615 |
| Total domestic deposits to total assets | 84.7293% | 2,709 |
| Equity capital to assets | 12.3425% | 1,677 |
| Core capital (leverage) ratio | 12.6895% | 1,425 |
| Tier 1 risk-based capital ratio | 18.5052% | 1,670 |
| Total risk-based capital ratio | 19.5718% | 1,666 |
| Memoranda: | ||
| Average total assets | $109,872,750 | 3,988 |
| Average earning assets | $106,330,750 | 3,908 |
| Average equity | $13,902,750 | 3,786 |
| Average total loans | $55,207,500 | 4,247 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3715% | 5,068 |
| Cost of funding earning assets | 0.5761% | 2,388 |
| Net interest margin | 2.7954% | 5,124 |
| Noninterest income to average assets | 0.4845% | 2,952 |
| Noninterest expense to average assets | 2.0112% | 4,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9837% | 3,094 |
| Return on assets (ROA) | 0.9837% | 3,098 |
| Pretax return on assets | 1.1793% | 3,013 |
| Return on Equity (ROE) | 7.7096% | 3,620 |
| Retained earnings to average equity (ytd only) | 1.2610% | 4,700 |
| Net charge-offs to loans | -0.0110% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0372% | 3,467 |
| Assets per employee ($millions) | 5.5278% | 1,861 |
| Cash dividends to net income (ytd only)* | 83.6431% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 1,743 |
| Loan loss allowance to noncurrent loans | 357.9909% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 4,005 |
| Noncurrent loans to loans | 0.3910% | 3,294 |
| Net loans and leases to total assets | 49.9530% | 4,610 |
| Net loans and leases to deposits | 58.7536% | 4,600 |
| Net loans and leases to core deposits | 61.2968% | 4,640 |
| Total domestic deposits to total assets | 85.0212% | 2,663 |
| Equity capital to assets | 12.5113% | 1,527 |
| Core capital (leverage) ratio | 12.7460% | 1,329 |
| Tier 1 risk-based capital ratio | 18.6371% | 1,641 |
| Total risk-based capital ratio | 19.7131% | 1,645 |
| Memoranda: | ||
| Average total assets | $109,386,670 | 4,030 |
| Average earning assets | $105,886,670 | 3,948 |
| Average equity | $13,956,670 | 3,803 |
| Average total loans | $54,668,000 | 4,290 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3172% | 5,117 |
| Cost of funding earning assets | 0.5124% | 2,703 |
| Net interest margin | 2.8048% | 5,153 |
| Noninterest income to average assets | 0.4228% | 3,291 |
| Noninterest expense to average assets | 1.8823% | 5,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0441% | 2,671 |
| Return on assets (ROA) | 1.0441% | 2,688 |
| Pretax return on assets | 1.2573% | 2,521 |
| Return on Equity (ROE) | 8.1033% | 3,331 |
| Retained earnings to average equity (ytd only) | 3.6807% | 3,724 |
| Net charge-offs to loans | -0.0148% | 4,411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9532% | 4,071 |
| Assets per employee ($millions) | 6.0954% | 1,434 |
| Cash dividends to net income (ytd only)* | 54.5775% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 1,716 |
| Loan loss allowance to noncurrent loans | 344.9339% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 4,055 |
| Noncurrent loans to loans | 0.4155% | 3,293 |
| Net loans and leases to total assets | 49.0785% | 4,623 |
| Net loans and leases to deposits | 57.7681% | 4,599 |
| Net loans and leases to core deposits | 60.2812% | 4,636 |
| Total domestic deposits to total assets | 84.9578% | 2,947 |
| Equity capital to assets | 12.6871% | 1,388 |
| Core capital (leverage) ratio | 13.0878% | 1,145 |
| Tier 1 risk-based capital ratio | 18.8766% | 1,579 |
| Total risk-based capital ratio | 19.9620% | 1,589 |
| Memoranda: | ||
| Average total assets | $108,802,000 | 4,085 |
| Average earning assets | $105,390,500 | 4,002 |
| Average equity | $14,019,000 | 3,830 |
| Average total loans | $53,997,000 | 4,348 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3962% | 4,946 |
| Cost of funding earning assets | 0.4605% | 2,682 |
| Net interest margin | 2.9357% | 4,996 |
| Noninterest income to average assets | 0.4919% | 3,048 |
| Noninterest expense to average assets | 1.9865% | 4,982 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9149% | 2,628 |
| Return on assets (ROA) | 0.9384% | 2,544 |
| Pretax return on assets | 1.3803% | 2,055 |
| Return on Equity (ROE) | 7.2188% | 3,168 |
| Retained earnings to average equity (ytd only) | -0.4608% | 5,112 |
| Net charge-offs to loans | -0.0037% | 4,591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6133% | 4,319 |
| Assets per employee ($millions) | 6.3462% | 1,289 |
| Cash dividends to net income (ytd only)* | 106.3830% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 1,533 |
| Loan loss allowance to noncurrent loans | 322.7273% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.2243% | 4,017 |
| Noncurrent loans to loans | 0.4535% | 3,153 |
| Net loans and leases to total assets | 48.7385% | 4,719 |
| Net loans and leases to deposits | 57.6096% | 4,711 |
| Net loans and leases to core deposits | 59.8291% | 4,766 |
| Total domestic deposits to total assets | 84.6013% | 2,991 |
| Equity capital to assets | 13.0860% | 1,220 |
| Core capital (leverage) ratio | 12.8490% | 1,199 |
| Tier 1 risk-based capital ratio | 18.8442% | 1,543 |
| Total risk-based capital ratio | 19.9484% | 1,544 |
| Memoranda: | ||
| Average total assets | $110,191,800 | 4,059 |
| Average earning assets | $106,620,000 | 3,971 |
| Average equity | $14,323,800 | 3,805 |
| Average total loans | $54,235,200 | 4,356 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3996% | 4,965 |
| Cost of funding earning assets | 0.4519% | 2,701 |
| Net interest margin | 2.9477% | 5,022 |
| Noninterest income to average assets | 0.4622% | 3,263 |
| Noninterest expense to average assets | 1.9343% | 5,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0194% | 2,477 |
| Return on assets (ROA) | 1.0532% | 2,352 |
| Pretax return on assets | 1.4240% | 2,045 |
| Return on Equity (ROE) | 8.1156% | 3,073 |
| Retained earnings to average equity (ytd only) | 0.0464% | 5,196 |
| Net charge-offs to loans | 0.0024% | 3,666 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1,147.8421% | 87 |
| Efficiency ratio | 58.3939% | 4,451 |
| Assets per employee ($millions) | 5.9879% | 1,501 |
| Cash dividends to net income (ytd only)* | 99.4283% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4744% | 1,626 |
| Loan loss allowance to noncurrent loans | 310.3586% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 4,126 |
| Noncurrent loans to loans | 0.4751% | 3,263 |
| Net loans and leases to total assets | 48.2966% | 4,808 |
| Net loans and leases to deposits | 59.8588% | 4,647 |
| Net loans and leases to core deposits | 61.7431% | 4,730 |
| Total domestic deposits to total assets | 80.6842% | 4,144 |
| Equity capital to assets | 13.4466% | 1,184 |
| Core capital (leverage) ratio | 12.8861% | 1,257 |
| Tier 1 risk-based capital ratio | 19.3260% | 1,514 |
| Total risk-based capital ratio | 20.4498% | 1,496 |
| Memoranda: | ||
| Average total assets | $110,768,250 | 4,096 |
| Average earning assets | $107,108,500 | 4,006 |
| Average equity | $14,375,250 | 3,836 |
| Average total loans | $54,453,250 | 4,379 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3846% | 4,988 |
| Cost of funding earning assets | 0.4370% | 2,734 |
| Net interest margin | 2.9476% | 5,008 |
| Noninterest income to average assets | 0.4545% | 3,322 |
| Noninterest expense to average assets | 1.9989% | 4,982 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9824% | 2,519 |
| Return on assets (ROA) | 0.9824% | 2,563 |
| Pretax return on assets | 1.3045% | 2,366 |
| Return on Equity (ROE) | 7.6590% | 3,220 |
| Retained earnings to average equity (ytd only) | -0.7115% | 5,190 |
| Net charge-offs to loans | 0.0073% | 3,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 364.5000% | 233 |
| Efficiency ratio | 60.5092% | 4,241 |
| Assets per employee ($millions) | 5.8443% | 1,584 |
| Cash dividends to net income (ytd only)* | 109.2896% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 1,809 |
| Loan loss allowance to noncurrent loans | 295.4373% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 4,199 |
| Noncurrent loans to loans | 0.4848% | 3,295 |
| Net loans and leases to total assets | 48.1561% | 4,817 |
| Net loans and leases to deposits | 57.1574% | 4,792 |
| Net loans and leases to core deposits | 59.4825% | 4,846 |
| Total domestic deposits to total assets | 84.2518% | 3,107 |
| Equity capital to assets | 13.0546% | 1,348 |
| Core capital (leverage) ratio | 12.5086% | 1,362 |
| Tier 1 risk-based capital ratio | 18.8840% | 1,614 |
| Total risk-based capital ratio | 19.9838% | 1,620 |
| Memoranda: | ||
| Average total assets | $111,763,670 | 4,102 |
| Average earning assets | $108,018,670 | 4,017 |
| Average equity | $14,336,000 | 3,847 |
| Average total loans | $54,993,000 | 4,386 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3766% | 4,981 |
| Cost of funding earning assets | 0.4142% | 2,865 |
| Net interest margin | 2.9623% | 4,974 |
| Noninterest income to average assets | 0.3960% | 3,692 |
| Noninterest expense to average assets | 1.9585% | 5,136 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9810% | 2,385 |
| Return on assets (ROA) | 0.9810% | 2,434 |
| Pretax return on assets | 1.2950% | 2,252 |
| Return on Equity (ROE) | 7.7160% | 3,063 |
| Retained earnings to average equity (ytd only) | -1.4029% | 5,115 |
| Net charge-offs to loans | -0.0217% | 4,782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1974% | 4,426 |
| Assets per employee ($millions) | 5.9487% | 1,545 |
| Cash dividends to net income (ytd only)* | 118.1818% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 1,981 |
| Loan loss allowance to noncurrent loans | 230.0000% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3008% | 3,992 |
| Noncurrent loans to loans | 0.6187% | 2,966 |
| Net loans and leases to total assets | 47.9301% | 4,829 |
| Net loans and leases to deposits | 56.9690% | 4,759 |
| Net loans and leases to core deposits | 60.0994% | 4,772 |
| Total domestic deposits to total assets | 84.1336% | 3,429 |
| Equity capital to assets | 12.6591% | 1,437 |
| Core capital (leverage) ratio | 12.4815% | 1,347 |
| Tier 1 risk-based capital ratio | 17.4529% | 2,045 |
| Total risk-based capital ratio | 18.4755% | 2,062 |
| Memoranda: | ||
| Average total assets | $112,125,000 | 4,129 |
| Average earning assets | $108,157,500 | 4,045 |
| Average equity | $14,256,000 | 3,881 |
| Average total loans | $55,364,500 | 4,412 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4097% | 4,959 |
| Cost of funding earning assets | 0.4166% | 2,842 |
| Net interest margin | 2.9931% | 4,972 |
| Noninterest income to average assets | 0.6543% | 2,400 |
| Noninterest expense to average assets | 2.0325% | 5,128 |
| Loan and lease loss provision to assets | 0.0380% | 3,615 |
| Net operating income to assets | 1.0956% | 1,916 |
| Return on assets (ROA) | 1.1204% | 1,905 |
| Pretax return on assets | 1.5160% | 1,539 |
| Return on Equity (ROE) | 8.6839% | 2,577 |
| Retained earnings to average equity (ytd only) | 1.4986% | 4,662 |
| Net charge-offs to loans | 0.0126% | 3,850 |
| Credit loss provision to net charge-offs | 614.2857% | 558 |
| Earnings coverage of net charge-offs (x) | 246.0000% | 289 |
| Efficiency ratio | 57.2068% | 4,933 |
| Assets per employee ($millions) | 6.1792% | 1,345 |
| Cash dividends to net income (ytd only)* | 82.7423% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 2,095 |
| Loan loss allowance to noncurrent loans | 276.2411% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 4,287 |
| Noncurrent loans to loans | 0.5056% | 3,329 |
| Net loans and leases to total assets | 49.4448% | 4,802 |
| Net loans and leases to deposits | 58.7968% | 4,747 |
| Net loans and leases to core deposits | 62.0809% | 4,750 |
| Total domestic deposits to total assets | 84.0944% | 3,390 |
| Equity capital to assets | 12.7705% | 1,360 |
| Core capital (leverage) ratio | 12.4506% | 1,354 |
| Tier 1 risk-based capital ratio | 18.1670% | 1,812 |
| Total risk-based capital ratio | 19.2239% | 1,816 |
| Memoranda: | ||
| Average total assets | $113,258,400 | 4,108 |
| Average earning assets | $109,686,800 | 4,009 |
| Average equity | $14,613,200 | 3,858 |
| Average total loans | $55,690,200 | 4,411 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3891% | 5,049 |
| Cost of funding earning assets | 0.4122% | 2,911 |
| Net interest margin | 2.9769% | 5,059 |
| Noninterest income to average assets | 0.6540% | 2,400 |
| Noninterest expense to average assets | 1.9349% | 5,325 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1758% | 1,713 |
| Return on assets (ROA) | 1.2083% | 1,714 |
| Pretax return on assets | 1.6501% | 1,249 |
| Return on Equity (ROE) | 9.3414% | 2,340 |
| Retained earnings to average equity (ytd only) | 2.7725% | 4,230 |
| Net charge-offs to loans | -0.0072% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6508% | 5,185 |
| Assets per employee ($millions) | 6.4915% | 1,114 |
| Cash dividends to net income (ytd only)* | 70.3200% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 2,797 |
| Loan loss allowance to noncurrent loans | 254.0816% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 4,368 |
| Noncurrent loans to loans | 0.5041% | 3,486 |
| Net loans and leases to total assets | 52.1753% | 4,646 |
| Net loans and leases to deposits | 63.3728% | 4,533 |
| Net loans and leases to core deposits | 67.8050% | 4,483 |
| Total domestic deposits to total assets | 82.3307% | 3,831 |
| Equity capital to assets | 13.5572% | 1,220 |
| Core capital (leverage) ratio | 12.6764% | 1,322 |
| Tier 1 risk-based capital ratio | 18.9817% | 1,674 |
| Total risk-based capital ratio | 20.0096% | 1,690 |
| Memoranda: | ||
| Average total assets | $113,766,750 | 4,126 |
| Average earning assets | $110,312,750 | 4,022 |
| Average equity | $14,715,500 | 3,877 |
| Average total loans | $55,669,250 | 4,451 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3190% | 5,249 |
| Cost of funding earning assets | 0.4088% | 2,948 |
| Net interest margin | 2.9102% | 5,250 |
| Noninterest income to average assets | 0.5935% | 2,653 |
| Noninterest expense to average assets | 1.9790% | 5,314 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0787% | 2,047 |
| Return on assets (ROA) | 1.0826% | 2,156 |
| Pretax return on assets | 1.4447% | 1,858 |
| Return on Equity (ROE) | 8.5009% | 2,745 |
| Retained earnings to average equity (ytd only) | 3.0341% | 3,983 |
| Net charge-offs to loans | -0.0073% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8921% | 4,918 |
| Assets per employee ($millions) | 5.9744% | 1,423 |
| Cash dividends to net income (ytd only)* | 64.3087% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 2,767 |
| Loan loss allowance to noncurrent loans | 191.7738% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 4,195 |
| Noncurrent loans to loans | 0.6792% | 3,033 |
| Net loans and leases to total assets | 47.3056% | 5,049 |
| Net loans and leases to deposits | 61.7371% | 4,675 |
| Net loans and leases to core deposits | 65.2679% | 4,664 |
| Total domestic deposits to total assets | 76.6242% | 5,200 |
| Equity capital to assets | 12.5545% | 1,738 |
| Core capital (leverage) ratio | 12.5101% | 1,349 |
| Tier 1 risk-based capital ratio | 18.9067% | 1,709 |
| Total risk-based capital ratio | 19.9339% | 1,723 |
| Memoranda: | ||
| Average total assets | $114,904,000 | 4,141 |
| Average earning assets | $111,538,000 | 4,030 |
| Average equity | $14,633,670 | 3,908 |
| Average total loans | $54,784,000 | 4,511 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3580% | 5,210 |
| Cost of funding earning assets | 0.4248% | 2,818 |
| Net interest margin | 2.9332% | 5,253 |
| Noninterest income to average assets | 0.6003% | 2,531 |
| Noninterest expense to average assets | 2.0850% | 5,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0291% | 2,161 |
| Return on assets (ROA) | 1.0372% | 2,253 |
| Pretax return on assets | 1.3711% | 1,998 |
| Return on Equity (ROE) | 8.0830% | 2,863 |
| Retained earnings to average equity (ytd only) | 2.5467% | 4,229 |
| Net charge-offs to loans | -0.0149% | 4,712 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5155% | 4,676 |
| Assets per employee ($millions) | 5.3661% | 1,959 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 2,573 |
| Loan loss allowance to noncurrent loans | 233.9623% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 4,432 |
| Noncurrent loans to loans | 0.5846% | 3,436 |
| Net loans and leases to total assets | 47.6147% | 4,999 |
| Net loans and leases to deposits | 57.4021% | 4,892 |
| Net loans and leases to core deposits | 60.6098% | 4,900 |
| Total domestic deposits to total assets | 82.9494% | 3,917 |
| Equity capital to assets | 12.9827% | 1,421 |
| Core capital (leverage) ratio | 12.5269% | 1,329 |
| Tier 1 risk-based capital ratio | 19.7405% | 1,561 |
| Total risk-based capital ratio | 20.8216% | 1,567 |
| Memoranda: | ||
| Average total assets | $112,612,500 | 4,212 |
| Average earning assets | $109,232,500 | 4,102 |
| Average equity | $14,450,000 | 3,936 |
| Average total loans | $53,541,000 | 4,569 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4616% | 5,019 |
| Cost of funding earning assets | 0.4172% | 2,973 |
| Net interest margin | 3.0445% | 5,039 |
| Noninterest income to average assets | 0.7239% | 2,096 |
| Noninterest expense to average assets | 2.2217% | 5,001 |
| Loan and lease loss provision to assets | -0.0136% | 5,642 |
| Net operating income to assets | 1.0914% | 1,963 |
| Return on assets (ROA) | 1.1763% | 1,722 |
| Pretax return on assets | 1.5441% | 1,422 |
| Return on Equity (ROE) | 9.1789% | 2,376 |
| Retained earnings to average equity (ytd only) | 3.8629% | 3,287 |
| Net charge-offs to loans | -0.0075% | 5,050 |
| Credit loss provision to net charge-offs | 375.0000% | 794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0279% | 4,758 |
| Assets per employee ($millions) | 5.3589% | 1,947 |
| Cash dividends to net income (ytd only)* | 57.9151% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 2,365 |
| Loan loss allowance to noncurrent loans | 715.3846% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 5,249 |
| Noncurrent loans to loans | 0.1974% | 4,705 |
| Net loans and leases to total assets | 46.1519% | 5,145 |
| Net loans and leases to deposits | 55.8065% | 5,057 |
| Net loans and leases to core deposits | 59.1024% | 5,038 |
| Total domestic deposits to total assets | 82.6999% | 3,942 |
| Equity capital to assets | 12.6803% | 1,517 |
| Core capital (leverage) ratio | 12.4513% | 1,366 |
| Tier 1 risk-based capital ratio | 19.4752% | 1,588 |
| Total risk-based capital ratio | 20.5475% | 1,592 |
| Memoranda: | ||
| Average total assets | $110,094,200 | 4,259 |
| Average earning assets | $105,470,000 | 4,155 |
| Average equity | $14,108,400 | 3,953 |
| Average total loans | $53,076,600 | 4,577 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4820% | 5,024 |
| Cost of funding earning assets | 0.4169% | 3,042 |
| Net interest margin | 3.0651% | 5,045 |
| Noninterest income to average assets | 0.7027% | 2,219 |
| Noninterest expense to average assets | 2.1787% | 5,102 |
| Loan and lease loss provision to assets | -0.0183% | 5,841 |
| Net operating income to assets | 1.1113% | 1,953 |
| Return on assets (ROA) | 1.2251% | 1,632 |
| Pretax return on assets | 1.6197% | 1,333 |
| Return on Equity (ROE) | 9.5344% | 2,301 |
| Retained earnings to average equity (ytd only) | 4.3217% | 3,398 |
| Net charge-offs to loans | -0.0050% | 4,831 |
| Credit loss provision to net charge-offs | 750.0000% | 458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0134% | 4,885 |
| Assets per employee ($millions) | 5.5707% | 1,711 |
| Cash dividends to net income (ytd only)* | 54.6723% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 2,932 |
| Loan loss allowance to noncurrent loans | 687.0370% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 4,228 |
| Noncurrent loans to loans | 0.1943% | 4,870 |
| Net loans and leases to total assets | 49.2187% | 4,997 |
| Net loans and leases to deposits | 61.9763% | 4,722 |
| Net loans and leases to core deposits | 65.8430% | 4,703 |
| Total domestic deposits to total assets | 79.4153% | 4,882 |
| Equity capital to assets | 12.8019% | 1,561 |
| Core capital (leverage) ratio | 12.6531% | 1,344 |
| Tier 1 risk-based capital ratio | 19.2818% | 1,713 |
| Total risk-based capital ratio | 20.3504% | 1,714 |
| Memoranda: | ||
| Average total assets | $109,483,500 | 4,310 |
| Average earning assets | $104,574,000 | 4,227 |
| Average equity | $14,068,000 | 4,003 |
| Average total loans | $53,175,250 | 4,627 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5564% | 4,842 |
| Cost of funding earning assets | 0.4262% | 2,971 |
| Net interest margin | 3.1302% | 4,885 |
| Noninterest income to average assets | 0.5678% | 2,922 |
| Noninterest expense to average assets | 2.2492% | 4,977 |
| Loan and lease loss provision to assets | -0.0276% | 5,991 |
| Net operating income to assets | 1.0169% | 2,309 |
| Return on assets (ROA) | 1.1301% | 1,919 |
| Pretax return on assets | 1.4756% | 1,713 |
| Return on Equity (ROE) | 8.7838% | 2,666 |
| Retained earnings to average equity (ytd only) | 3.7849% | 3,599 |
| Net charge-offs to loans | -0.0038% | 4,679 |
| Credit loss provision to net charge-offs | 1,500.0000% | 234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3540% | 4,455 |
| Assets per employee ($millions) | 4.7610% | 2,597 |
| Cash dividends to net income (ytd only)* | 56.9106% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 2,235 |
| Loan loss allowance to noncurrent loans | 661.6071% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.9918% | 2,545 |
| Noncurrent loans to loans | 0.2286% | 4,858 |
| Net loans and leases to total assets | 44.0576% | 5,378 |
| Net loans and leases to deposits | 52.0589% | 5,376 |
| Net loans and leases to core deposits | 55.1511% | 5,364 |
| Total domestic deposits to total assets | 84.6304% | 3,281 |
| Equity capital to assets | 12.7413% | 1,524 |
| Core capital (leverage) ratio | 12.4640% | 1,399 |
| Tier 1 risk-based capital ratio | 20.2657% | 1,493 |
| Total risk-based capital ratio | 21.4015% | 1,490 |
| Memoranda: | ||
| Average total assets | $108,840,330 | 4,360 |
| Average earning assets | $103,700,670 | 4,280 |
| Average equity | $14,003,000 | 4,041 |
| Average total loans | $52,374,330 | 4,694 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5977% | 4,698 |
| Cost of funding earning assets | 0.4260% | 3,004 |
| Net interest margin | 3.1717% | 4,704 |
| Noninterest income to average assets | 0.6562% | 2,375 |
| Noninterest expense to average assets | 2.2929% | 4,902 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0617% | 1,995 |
| Return on assets (ROA) | 1.0617% | 2,127 |
| Pretax return on assets | 1.3824% | 1,950 |
| Return on Equity (ROE) | 8.2119% | 2,851 |
| Retained earnings to average equity (ytd only) | 3.9348% | 3,636 |
| Net charge-offs to loans | -0.0074% | 4,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3872% | 4,735 |
| Assets per employee ($millions) | 5.0009% | 2,357 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3947% | 2,942 |
| Loan loss allowance to noncurrent loans | 651.7241% | 791 |
| Noncurrent assets plus other real estate owned to assets | 1.3443% | 1,978 |
| Noncurrent loans to loans | 0.2140% | 5,014 |
| Net loans and leases to total assets | 48.5830% | 4,975 |
| Net loans and leases to deposits | 57.5590% | 4,949 |
| Net loans and leases to core deposits | 60.9649% | 4,921 |
| Total domestic deposits to total assets | 84.4056% | 3,651 |
| Equity capital to assets | 12.8831% | 1,461 |
| Core capital (leverage) ratio | 12.4375% | 1,388 |
| Tier 1 risk-based capital ratio | 19.5358% | 1,729 |
| Total risk-based capital ratio | 20.6629% | 1,716 |
| Memoranda: | ||
| Average total assets | $108,509,500 | 4,401 |
| Average earning assets | $103,288,500 | 4,318 |
| Average equity | $14,028,500 | 4,070 |
| Average total loans | $54,069,000 | 4,671 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6619% | 4,905 |
| Cost of funding earning assets | 0.4946% | 2,716 |
| Net interest margin | 3.1673% | 5,025 |
| Noninterest income to average assets | 0.4404% | 3,899 |
| Noninterest expense to average assets | 2.2073% | 5,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9681% | 2,537 |
| Return on assets (ROA) | 1.0100% | 2,418 |
| Pretax return on assets | 1.2875% | 2,287 |
| Return on Equity (ROE) | 8.1364% | 3,055 |
| Retained earnings to average equity (ytd only) | 3.7383% | 3,555 |
| Net charge-offs to loans | 0.2075% | 2,008 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 11.8947% | 2,440 |
| Efficiency ratio | 64.1460% | 4,570 |
| Assets per employee ($millions) | 4.8636% | 2,517 |
| Cash dividends to net income (ytd only)* | 54.0541% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 2,944 |
| Loan loss allowance to noncurrent loans | 487.7419% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 1.4262% | 1,935 |
| Noncurrent loans to loans | 0.2874% | 4,819 |
| Net loans and leases to total assets | 49.6967% | 5,000 |
| Net loans and leases to deposits | 58.8910% | 4,989 |
| Net loans and leases to core deposits | 62.4809% | 4,963 |
| Total domestic deposits to total assets | 84.3877% | 3,563 |
| Equity capital to assets | 12.9749% | 1,384 |
| Core capital (leverage) ratio | 12.3401% | 1,425 |
| Tier 1 risk-based capital ratio | 20.1154% | 1,573 |
| Total risk-based capital ratio | 21.2879% | 1,563 |
| Memoranda: | ||
| Average total assets | $109,906,000 | 4,386 |
| Average earning assets | $104,126,000 | 4,309 |
| Average equity | $13,642,400 | 4,081 |
| Average total loans | $54,949,800 | 4,651 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6603% | 4,971 |
| Cost of funding earning assets | 0.5065% | 2,693 |
| Net interest margin | 3.1538% | 5,106 |
| Noninterest income to average assets | 0.6158% | 2,774 |
| Noninterest expense to average assets | 2.1524% | 5,461 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1077% | 1,996 |
| Return on assets (ROA) | 1.1618% | 1,884 |
| Pretax return on assets | 1.5209% | 1,577 |
| Return on Equity (ROE) | 9.4631% | 2,466 |
| Retained earnings to average equity (ytd only) | 5.0457% | 3,051 |
| Net charge-offs to loans | 0.2802% | 1,406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 10.3709% | 2,552 |
| Efficiency ratio | 59.7524% | 5,217 |
| Assets per employee ($millions) | 4.9234% | 2,343 |
| Cash dividends to net income (ytd only)* | 46.6809% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 3,335 |
| Loan loss allowance to noncurrent loans | 354.4601% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 1.6267% | 1,860 |
| Noncurrent loans to loans | 0.3844% | 4,761 |
| Net loans and leases to total assets | 50.4584% | 4,954 |
| Net loans and leases to deposits | 60.0580% | 4,934 |
| Net loans and leases to core deposits | 63.5046% | 4,927 |
| Total domestic deposits to total assets | 84.0161% | 3,758 |
| Equity capital to assets | 12.8643% | 1,494 |
| Core capital (leverage) ratio | 12.1985% | 1,572 |
| Tier 1 risk-based capital ratio | 19.6149% | 1,756 |
| Total risk-based capital ratio | 20.7566% | 1,746 |
| Memoranda: | ||
| Average total assets | $110,632,750 | 4,407 |
| Average earning assets | $104,761,250 | 4,333 |
| Average equity | $13,582,250 | 4,113 |
| Average total loans | $55,204,500 | 4,683 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6488% | 5,017 |
| Cost of funding earning assets | 0.5340% | 2,500 |
| Net interest margin | 3.1148% | 5,216 |
| Noninterest income to average assets | 0.5404% | 3,205 |
| Noninterest expense to average assets | 2.1076% | 5,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0715% | 2,035 |
| Return on assets (ROA) | 1.1669% | 1,767 |
| Pretax return on assets | 1.5098% | 1,506 |
| Return on Equity (ROE) | 9.6547% | 2,299 |
| Retained earnings to average equity (ytd only) | 5.1987% | 2,833 |
| Net charge-offs to loans | 0.3627% | 1,128 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.7200% | 2,586 |
| Efficiency ratio | 60.3289% | 5,244 |
| Assets per employee ($millions) | 5.0242% | 2,185 |
| Cash dividends to net income (ytd only)* | 46.1538% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 3,099 |
| Loan loss allowance to noncurrent loans | 330.4721% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 1.6420% | 1,992 |
| Noncurrent loans to loans | 0.4396% | 4,669 |
| Net loans and leases to total assets | 47.2529% | 5,237 |
| Net loans and leases to deposits | 56.5517% | 5,151 |
| Net loans and leases to core deposits | 60.2304% | 5,119 |
| Total domestic deposits to total assets | 83.5569% | 4,087 |
| Equity capital to assets | 12.4804% | 1,659 |
| Core capital (leverage) ratio | 11.7174% | 1,838 |
| Tier 1 risk-based capital ratio | 19.1742% | 1,882 |
| Total risk-based capital ratio | 20.3260% | 1,864 |
| Memoranda: | ||
| Average total assets | $111,405,330 | 4,421 |
| Average earning assets | $105,624,670 | 4,337 |
| Average equity | $13,465,000 | 4,140 |
| Average total loans | $55,136,330 | 4,715 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6456% | 5,024 |
| Cost of funding earning assets | 0.5364% | 2,541 |
| Net interest margin | 3.1091% | 5,220 |
| Noninterest income to average assets | 0.4685% | 3,642 |
| Noninterest expense to average assets | 1.9885% | 5,908 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0939% | 1,840 |
| Return on assets (ROA) | 1.2840% | 1,303 |
| Pretax return on assets | 1.6702% | 1,029 |
| Return on Equity (ROE) | 10.7970% | 1,756 |
| Retained earnings to average equity (ytd only) | 6.2857% | 2,388 |
| Net charge-offs to loans | -0.0071% | 4,921 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2809% | 5,621 |
| Assets per employee ($millions) | 5.1015% | 2,126 |
| Cash dividends to net income (ytd only)* | 41.7827% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5498% | 2,930 |
| Loan loss allowance to noncurrent loans | 214.0049% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 1.7098% | 2,065 |
| Noncurrent loans to loans | 0.7242% | 4,053 |
| Net loans and leases to total assets | 49.2992% | 4,971 |
| Net loans and leases to deposits | 57.9815% | 4,949 |
| Net loans and leases to core deposits | 61.6202% | 4,914 |
| Total domestic deposits to total assets | 85.0258% | 3,852 |
| Equity capital to assets | 11.9751% | 1,886 |
| Core capital (leverage) ratio | 11.7484% | 1,803 |
| Tier 1 risk-based capital ratio | 18.1995% | 2,206 |
| Total risk-based capital ratio | 19.4276% | 2,190 |
| Memoranda: | ||
| Average total assets | $111,841,500 | 4,448 |
| Average earning assets | $105,882,000 | 4,365 |
| Average equity | $13,300,000 | 4,183 |
| Average total loans | $56,204,500 | 4,720 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7009% | 5,136 |
| Cost of funding earning assets | 0.5564% | 3,058 |
| Net interest margin | 3.1445% | 5,181 |
| Noninterest income to average assets | 0.7913% | 2,121 |
| Noninterest expense to average assets | 2.4390% | 4,960 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0249% | 2,226 |
| Return on assets (ROA) | 1.0256% | 2,285 |
| Pretax return on assets | 1.3278% | 2,044 |
| Return on Equity (ROE) | 8.3900% | 2,837 |
| Retained earnings to average equity (ytd only) | 3.8261% | 3,483 |
| Net charge-offs to loans | 0.0096% | 5,260 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 285.4000% | 158 |
| Efficiency ratio | 64.7654% | 4,777 |
| Assets per employee ($millions) | 5.3071% | 1,842 |
| Cash dividends to net income (ytd only)* | 54.3971% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 2,968 |
| Loan loss allowance to noncurrent loans | 237.0572% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 1.6860% | 2,186 |
| Noncurrent loans to loans | 0.6529% | 4,332 |
| Net loans and leases to total assets | 49.6528% | 5,125 |
| Net loans and leases to deposits | 58.1282% | 5,112 |
| Net loans and leases to core deposits | 61.9569% | 5,062 |
| Total domestic deposits to total assets | 85.4195% | 3,546 |
| Equity capital to assets | 11.8080% | 1,944 |
| Core capital (leverage) ratio | 11.6977% | 1,831 |
| Tier 1 risk-based capital ratio | 18.2988% | 2,145 |
| Total risk-based capital ratio | 19.5495% | 2,106 |
| Memoranda: | ||
| Average total assets | $107,543,600 | 4,559 |
| Average earning assets | $101,731,800 | 4,468 |
| Average equity | $13,146,600 | 4,234 |
| Average total loans | $52,275,200 | 4,875 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7157% | 5,120 |
| Cost of funding earning assets | 0.5516% | 3,247 |
| Net interest margin | 3.1641% | 5,102 |
| Noninterest income to average assets | 0.7745% | 2,261 |
| Noninterest expense to average assets | 2.4335% | 4,926 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0306% | 2,258 |
| Return on assets (ROA) | 1.0797% | 2,168 |
| Pretax return on assets | 1.3975% | 1,933 |
| Return on Equity (ROE) | 8.7546% | 2,763 |
| Retained earnings to average equity (ytd only) | 4.1896% | 3,701 |
| Net charge-offs to loans | 0.0182% | 4,766 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 152.3365% | 364 |
| Efficiency ratio | 64.5965% | 4,709 |
| Assets per employee ($millions) | 4.6899% | 2,598 |
| Cash dividends to net income (ytd only)* | 52.1440% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6235% | 2,902 |
| Loan loss allowance to noncurrent loans | 233.9623% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 1.7883% | 2,291 |
| Noncurrent loans to loans | 0.6939% | 4,469 |
| Net loans and leases to total assets | 48.7596% | 5,270 |
| Net loans and leases to deposits | 59.5597% | 5,023 |
| Net loans and leases to core deposits | 62.4537% | 5,066 |
| Total domestic deposits to total assets | 81.8667% | 4,969 |
| Equity capital to assets | 12.1482% | 1,826 |
| Core capital (leverage) ratio | 12.0203% | 1,661 |
| Tier 1 risk-based capital ratio | 18.8214% | 2,042 |
| Total risk-based capital ratio | 20.0725% | 2,004 |
| Memoranda: | ||
| Average total assets | $106,567,000 | 4,624 |
| Average earning assets | $100,794,500 | 4,532 |
| Average equity | $13,143,250 | 4,282 |
| Average total loans | $51,292,000 | 4,960 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6009% | 5,433 |
| Cost of funding earning assets | 0.5636% | 3,275 |
| Net interest margin | 3.0373% | 5,477 |
| Noninterest income to average assets | 0.7745% | 2,302 |
| Noninterest expense to average assets | 2.4931% | 4,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9309% | 2,659 |
| Return on assets (ROA) | 0.9309% | 2,791 |
| Pretax return on assets | 1.1552% | 2,862 |
| Return on Equity (ROE) | 7.5097% | 3,344 |
| Retained earnings to average equity (ytd only) | 2.9492% | 4,436 |
| Net charge-offs to loans | 0.0356% | 4,186 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 68.1111% | 650 |
| Efficiency ratio | 68.3368% | 4,118 |
| Assets per employee ($millions) | 4.5546% | 2,731 |
| Cash dividends to net income (ytd only)* | 60.7287% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7390% | 2,627 |
| Loan loss allowance to noncurrent loans | 150.6087% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 2.0429% | 2,114 |
| Noncurrent loans to loans | 1.1546% | 3,623 |
| Net loans and leases to total assets | 46.7119% | 5,453 |
| Net loans and leases to deposits | 55.2235% | 5,418 |
| Net loans and leases to core deposits | 57.2530% | 5,500 |
| Total domestic deposits to total assets | 84.5869% | 4,092 |
| Equity capital to assets | 12.1359% | 1,819 |
| Core capital (leverage) ratio | 11.7116% | 1,791 |
| Tier 1 risk-based capital ratio | 19.2731% | 1,915 |
| Total risk-based capital ratio | 20.5242% | 1,886 |
| Memoranda: | ||
| Average total assets | $106,133,330 | 4,665 |
| Average earning assets | $100,419,000 | 4,573 |
| Average equity | $13,156,330 | 4,312 |
| Average total loans | $50,568,000 | 5,002 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5603% | 5,559 |
| Cost of funding earning assets | 0.5644% | 3,435 |
| Net interest margin | 2.9959% | 5,582 |
| Noninterest income to average assets | 0.7601% | 2,297 |
| Noninterest expense to average assets | 2.2055% | 5,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0859% | 1,915 |
| Return on assets (ROA) | 1.0859% | 2,024 |
| Pretax return on assets | 1.3967% | 1,866 |
| Return on Equity (ROE) | 8.6710% | 2,641 |
| Retained earnings to average equity (ytd only) | 4.1860% | 3,709 |
| Net charge-offs to loans | 0.0707% | 3,134 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 41.4444% | 769 |
| Efficiency ratio | 61.2266% | 5,418 |
| Assets per employee ($millions) | 4.6032% | 2,799 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7038% | 2,992 |
| Loan loss allowance to noncurrent loans | 127.3932% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 2.2253% | 2,095 |
| Noncurrent loans to loans | 1.3374% | 3,561 |
| Net loans and leases to total assets | 47.1353% | 5,319 |
| Net loans and leases to deposits | 55.5458% | 5,289 |
| Net loans and leases to core deposits | 57.3906% | 5,396 |
| Total domestic deposits to total assets | 84.8584% | 4,112 |
| Equity capital to assets | 12.6660% | 1,608 |
| Core capital (leverage) ratio | 11.8729% | 1,638 |
| Tier 1 risk-based capital ratio | 19.5508% | 1,894 |
| Total risk-based capital ratio | 20.7893% | 1,869 |
| Memoranda: | ||
| Average total assets | $106,822,500 | 4,691 |
| Average earning assets | $101,338,500 | 4,580 |
| Average equity | $13,378,000 | 4,310 |
| Average total loans | $50,952,500 | 5,019 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7764% | 5,888 |
| Cost of funding earning assets | 0.6617% | 3,819 |
| Net interest margin | 3.1147% | 5,780 |
| Noninterest income to average assets | 0.8326% | 2,112 |
| Noninterest expense to average assets | 2.3665% | 5,507 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0856% | 1,992 |
| Return on assets (ROA) | 1.1572% | 1,905 |
| Pretax return on assets | 1.5083% | 1,649 |
| Return on Equity (ROE) | 9.8375% | 2,241 |
| Retained earnings to average equity (ytd only) | 7.5119% | 1,331 |
| Net charge-offs to loans | 0.1683% | 4,031 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 18.0465% | 1,465 |
| Efficiency ratio | 62.5754% | 5,155 |
| Assets per employee ($millions) | 5.1320% | 2,061 |
| Cash dividends to net income (ytd only)* | 23.6407% | 3,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7111% | 2,891 |
| Loan loss allowance to noncurrent loans | 125.7184% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 2.4088% | 2,036 |
| Noncurrent loans to loans | 1.3611% | 3,558 |
| Net loans and leases to total assets | 46.6369% | 5,556 |
| Net loans and leases to deposits | 55.9114% | 5,453 |
| Net loans and leases to core deposits | 58.3338% | 5,510 |
| Total domestic deposits to total assets | 83.4120% | 4,562 |
| Equity capital to assets | 12.3837% | 1,800 |
| Core capital (leverage) ratio | 11.4514% | 1,910 |
| Tier 1 risk-based capital ratio | 19.2079% | 1,896 |
| Total risk-based capital ratio | 20.4604% | 1,872 |
| Memoranda: | ||
| Average total assets | $109,657,200 | 4,599 |
| Average earning assets | $103,828,600 | 4,497 |
| Average equity | $12,899,600 | 4,381 |
| Average total loans | $51,090,600 | 5,063 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7972% | 6,035 |
| Cost of funding earning assets | 0.6787% | 3,947 |
| Net interest margin | 3.1185% | 5,896 |
| Noninterest income to average assets | 0.8765% | 1,922 |
| Noninterest expense to average assets | 2.3112% | 5,658 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1483% | 1,914 |
| Return on assets (ROA) | 1.2422% | 1,768 |
| Pretax return on assets | 1.6429% | 1,442 |
| Return on Equity (ROE) | 10.6973% | 2,063 |
| Retained earnings to average equity (ytd only) | 8.6121% | 1,369 |
| Net charge-offs to loans | -0.0366% | 6,626 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3350% | 5,442 |
| Assets per employee ($millions) | 4.9691% | 2,227 |
| Cash dividends to net income (ytd only)* | 19.4931% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8957% | 2,493 |
| Loan loss allowance to noncurrent loans | 103.8298% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 2.4323% | 2,181 |
| Noncurrent loans to loans | 1.8258% | 3,040 |
| Net loans and leases to total assets | 46.2020% | 5,746 |
| Net loans and leases to deposits | 57.5813% | 5,469 |
| Net loans and leases to core deposits | 60.1400% | 5,543 |
| Total domestic deposits to total assets | 80.2378% | 5,590 |
| Equity capital to assets | 12.1881% | 2,122 |
| Core capital (leverage) ratio | 11.3381% | 2,104 |
| Tier 1 risk-based capital ratio | 18.8863% | 2,044 |
| Total risk-based capital ratio | 20.1401% | 2,009 |
| Memoranda: | ||
| Average total assets | $110,128,750 | 4,633 |
| Average earning assets | $104,319,500 | 4,531 |
| Average equity | $12,788,000 | 4,450 |
| Average total loans | $51,079,250 | 5,125 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8262% | 6,079 |
| Cost of funding earning assets | 0.6990% | 4,023 |
| Net interest margin | 3.1272% | 5,916 |
| Noninterest income to average assets | 0.7446% | 2,443 |
| Noninterest expense to average assets | 2.4040% | 5,447 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0072% | 2,433 |
| Return on assets (ROA) | 1.1033% | 2,251 |
| Pretax return on assets | 1.4221% | 2,125 |
| Return on Equity (ROE) | 9.6595% | 2,509 |
| Retained earnings to average equity (ytd only) | 8.0734% | 1,612 |
| Net charge-offs to loans | -0.0785% | 6,801 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9217% | 4,733 |
| Assets per employee ($millions) | 4.8090% | 2,423 |
| Cash dividends to net income (ytd only)* | 16.4204% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8852% | 2,600 |
| Loan loss allowance to noncurrent loans | 92.0263% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 2.5233% | 2,219 |
| Noncurrent loans to loans | 2.0486% | 2,891 |
| Net loans and leases to total assets | 46.1589% | 5,807 |
| Net loans and leases to deposits | 57.2564% | 5,529 |
| Net loans and leases to core deposits | 59.7575% | 5,615 |
| Total domestic deposits to total assets | 80.6179% | 5,586 |
| Equity capital to assets | 11.6692% | 2,441 |
| Core capital (leverage) ratio | 10.7297% | 2,565 |
| Tier 1 risk-based capital ratio | 18.1882% | 2,231 |
| Total risk-based capital ratio | 19.4420% | 2,204 |
| Memoranda: | ||
| Average total assets | $110,398,330 | 4,656 |
| Average earning assets | $104,437,330 | 4,551 |
| Average equity | $12,609,330 | 4,478 |
| Average total loans | $50,944,330 | 5,155 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8438% | 6,159 |
| Cost of funding earning assets | 0.7020% | 4,266 |
| Net interest margin | 3.1418% | 5,929 |
| Noninterest income to average assets | 0.6927% | 2,695 |
| Noninterest expense to average assets | 2.1289% | 6,205 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1376% | 1,932 |
| Return on assets (ROA) | 1.3201% | 1,566 |
| Pretax return on assets | 1.7807% | 1,120 |
| Return on Equity (ROE) | 11.6849% | 1,774 |
| Retained earnings to average equity (ytd only) | 11.6849% | 880 |
| Net charge-offs to loans | -0.1191% | 6,851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1188% | 5,900 |
| Assets per employee ($millions) | 5.1335% | 2,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8935% | 2,693 |
| Loan loss allowance to noncurrent loans | 107.7263% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 2.4474% | 2,411 |
| Noncurrent loans to loans | 1.7577% | 3,475 |
| Net loans and leases to total assets | 44.7750% | 5,919 |
| Net loans and leases to deposits | 54.7705% | 5,725 |
| Net loans and leases to core deposits | 58.1971% | 5,695 |
| Total domestic deposits to total assets | 81.7502% | 5,377 |
| Equity capital to assets | 11.1884% | 2,723 |
| Core capital (leverage) ratio | 10.7322% | 2,517 |
| Tier 1 risk-based capital ratio | 18.0819% | 2,256 |
| Total risk-based capital ratio | 19.3360% | 2,228 |
| Memoranda: | ||
| Average total assets | $110,294,000 | 4,700 |
| Average earning assets | $104,272,000 | 4,592 |
| Average equity | $12,460,500 | 4,514 |
| Average total loans | $50,398,500 | 5,210 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 6,240 |
| Cost of funding earning assets | 0.9043% | 4,083 |
| Net interest margin | 3.2176% | 6,038 |
| Noninterest income to average assets | 0.6582% | 2,841 |
| Noninterest expense to average assets | 2.4352% | 5,682 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9590% | 2,366 |
| Return on assets (ROA) | 1.1289% | 1,848 |
| Pretax return on assets | 1.4626% | 1,585 |
| Return on Equity (ROE) | 10.5620% | 1,859 |
| Retained earnings to average equity (ytd only) | 9.7019% | 626 |
| Net charge-offs to loans | 0.0740% | 5,581 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 35.5526% | 737 |
| Efficiency ratio | 66.2250% | 4,726 |
| Assets per employee ($millions) | 4.4854% | 2,935 |
| Cash dividends to net income (ytd only)* | 8.1433% | 3,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9512% | 2,415 |
| Loan loss allowance to noncurrent loans | 97.2672% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 2.7069% | 2,247 |
| Noncurrent loans to loans | 2.0060% | 3,194 |
| Net loans and leases to total assets | 44.8602% | 6,131 |
| Net loans and leases to deposits | 57.1483% | 5,783 |
| Net loans and leases to core deposits | 58.7644% | 5,952 |
| Total domestic deposits to total assets | 78.4979% | 6,094 |
| Equity capital to assets | 11.4120% | 2,585 |
| Core capital (leverage) ratio | 10.3906% | 2,855 |
| Tier 1 risk-based capital ratio | 18.7337% | 1,982 |
| Total risk-based capital ratio | 19.9888% | 1,937 |
| Memoranda: | ||
| Average total assets | $108,780,000 | 4,673 |
| Average earning assets | $102,065,000 | 4,585 |
| Average equity | $11,626,600 | 4,632 |
| Average total loans | $51,367,400 | 5,218 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1530% | 6,307 |
| Cost of funding earning assets | 0.9400% | 4,112 |
| Net interest margin | 3.2130% | 6,130 |
| Noninterest income to average assets | 0.5990% | 3,164 |
| Noninterest expense to average assets | 2.3741% | 5,834 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9402% | 2,567 |
| Return on assets (ROA) | 1.1650% | 1,878 |
| Pretax return on assets | 1.5294% | 1,579 |
| Return on Equity (ROE) | 11.0856% | 1,841 |
| Retained earnings to average equity (ytd only) | 11.0856% | 619 |
| Net charge-offs to loans | -0.0154% | 6,853 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8082% | 4,750 |
| Assets per employee ($millions) | 4.8724% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9551% | 2,462 |
| Loan loss allowance to noncurrent loans | 93.3148% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 2.6449% | 2,449 |
| Noncurrent loans to loans | 2.0952% | 3,251 |
| Net loans and leases to total assets | 44.9726% | 6,245 |
| Net loans and leases to deposits | 56.7876% | 5,950 |
| Net loans and leases to core deposits | 57.9819% | 6,130 |
| Total domestic deposits to total assets | 79.1944% | 5,947 |
| Equity capital to assets | 10.8855% | 3,255 |
| Core capital (leverage) ratio | 10.1792% | 3,215 |
| Tier 1 risk-based capital ratio | 17.2909% | 2,531 |
| Total risk-based capital ratio | 18.5279% | 2,498 |
| Memoranda: | ||
| Average total assets | $109,062,500 | 4,695 |
| Average earning assets | $102,124,000 | 4,612 |
| Average equity | $11,462,000 | 4,703 |
| Average total loans | $51,896,000 | 5,232 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2199% | 6,238 |
| Cost of funding earning assets | 0.9823% | 4,069 |
| Net interest margin | 3.2376% | 6,037 |
| Noninterest income to average assets | 0.5367% | 3,584 |
| Noninterest expense to average assets | 2.3468% | 6,007 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9470% | 2,449 |
| Return on assets (ROA) | 1.1308% | 1,863 |
| Pretax return on assets | 1.4603% | 1,640 |
| Return on Equity (ROE) | 10.8948% | 1,833 |
| Retained earnings to average equity (ytd only) | 10.8948% | 686 |
| Net charge-offs to loans | -0.0576% | 7,056 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7676% | 4,918 |
| Assets per employee ($millions) | 4.8978% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9334% | 2,562 |
| Loan loss allowance to noncurrent loans | 92.0073% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 2.7962% | 2,396 |
| Noncurrent loans to loans | 2.1014% | 3,352 |
| Net loans and leases to total assets | 47.6845% | 6,086 |
| Net loans and leases to deposits | 58.5158% | 5,875 |
| Net loans and leases to core deposits | 59.7599% | 6,111 |
| Total domestic deposits to total assets | 81.4899% | 5,353 |
| Equity capital to assets | 10.9520% | 3,009 |
| Core capital (leverage) ratio | 9.9104% | 3,373 |
| Tier 1 risk-based capital ratio | 17.0067% | 2,517 |
| Total risk-based capital ratio | 18.2446% | 2,496 |
| Memoranda: | ||
| Average total assets | $108,061,330 | 4,757 |
| Average earning assets | $101,186,670 | 4,676 |
| Average equity | $11,216,330 | 4,759 |
| Average total loans | $52,060,000 | 5,279 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2732% | 6,090 |
| Cost of funding earning assets | 1.0010% | 4,196 |
| Net interest margin | 3.2721% | 5,872 |
| Noninterest income to average assets | 0.5840% | 3,277 |
| Noninterest expense to average assets | 2.0884% | 6,663 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1560% | 1,642 |
| Return on assets (ROA) | 1.4527% | 1,017 |
| Pretax return on assets | 1.9480% | 607 |
| Return on Equity (ROE) | 14.3903% | 922 |
| Retained earnings to average equity (ytd only) | 14.3903% | 445 |
| Net charge-offs to loans | -0.1002% | 7,090 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3604% | 6,340 |
| Assets per employee ($millions) | 5.2196% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9652% | 2,501 |
| Loan loss allowance to noncurrent loans | 87.0912% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 2.9057% | 2,375 |
| Noncurrent loans to loans | 2.2565% | 3,248 |
| Net loans and leases to total assets | 46.0561% | 6,284 |
| Net loans and leases to deposits | 61.1908% | 5,599 |
| Net loans and leases to core deposits | 61.8058% | 5,944 |
| Total domestic deposits to total assets | 75.2664% | 6,761 |
| Equity capital to assets | 10.2133% | 3,522 |
| Core capital (leverage) ratio | 9.8030% | 3,383 |
| Tier 1 risk-based capital ratio | 16.6921% | 2,592 |
| Total risk-based capital ratio | 17.9463% | 2,562 |
| Memoranda: | ||
| Average total assets | $108,216,000 | 4,785 |
| Average earning assets | $101,096,000 | 4,707 |
| Average equity | $10,924,000 | 4,819 |
| Average total loans | $51,893,000 | 5,334 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4774% | 6,451 |
| Cost of funding earning assets | 1.2250% | 4,388 |
| Net interest margin | 3.2524% | 6,123 |
| Noninterest income to average assets | 0.5669% | 3,700 |
| Noninterest expense to average assets | 2.0604% | 6,930 |
| Loan and lease loss provision to assets | 0.3195% | 4,255 |
| Net operating income to assets | 0.9358% | 2,256 |
| Return on assets (ROA) | 1.1010% | 1,777 |
| Pretax return on assets | 1.4287% | 1,567 |
| Return on Equity (ROE) | 11.8687% | 1,340 |
| Retained earnings to average equity (ytd only) | 11.8687% | 283 |
| Net charge-offs to loans | 0.7432% | 2,792 |
| Credit loss provision to net charge-offs | 91.3838% | 5,068 |
| Earnings coverage of net charge-offs (x) | 4.3864% | 2,944 |
| Efficiency ratio | 57.3279% | 6,415 |
| Assets per employee ($millions) | 4.8555% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9105% | 2,533 |
| Loan loss allowance to noncurrent loans | 78.5377% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 3.1614% | 2,236 |
| Noncurrent loans to loans | 2.4325% | 3,086 |
| Net loans and leases to total assets | 48.0172% | 6,390 |
| Net loans and leases to deposits | 64.7880% | 5,541 |
| Net loans and leases to core deposits | 65.4669% | 5,929 |
| Total domestic deposits to total assets | 74.1144% | 6,878 |
| Equity capital to assets | 9.9729% | 3,780 |
| Core capital (leverage) ratio | 9.5139% | 3,691 |
| Tier 1 risk-based capital ratio | 16.2101% | 2,654 |
| Total risk-based capital ratio | 17.4638% | 2,609 |
| Memoranda: | ||
| Average total assets | $109,541,000 | 4,729 |
| Average earning assets | $101,955,800 | 4,675 |
| Average equity | $10,161,200 | 5,087 |
| Average total loans | $51,535,800 | 5,423 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5413% | 6,489 |
| Cost of funding earning assets | 1.2659% | 4,459 |
| Net interest margin | 3.2754% | 6,094 |
| Noninterest income to average assets | 0.5081% | 4,118 |
| Noninterest expense to average assets | 2.0431% | 6,974 |
| Loan and lease loss provision to assets | 0.3266% | 3,974 |
| Net operating income to assets | 0.9037% | 2,593 |
| Return on assets (ROA) | 1.1226% | 1,928 |
| Pretax return on assets | 1.4649% | 1,704 |
| Return on Equity (ROE) | 12.3259% | 1,417 |
| Retained earnings to average equity (ytd only) | 12.3259% | 423 |
| Net charge-offs to loans | 0.6518% | 2,803 |
| Credit loss provision to net charge-offs | 107.5697% | 3,966 |
| Earnings coverage of net charge-offs (x) | 4.9641% | 2,882 |
| Efficiency ratio | 57.5468% | 6,334 |
| Assets per employee ($millions) | 4.8181% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1091% | 1,982 |
| Loan loss allowance to noncurrent loans | 77.0360% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 3.1501% | 2,286 |
| Noncurrent loans to loans | 2.7378% | 2,901 |
| Net loans and leases to total assets | 45.9773% | 6,697 |
| Net loans and leases to deposits | 62.7672% | 6,051 |
| Net loans and leases to core deposits | 64.2721% | 6,278 |
| Total domestic deposits to total assets | 73.2504% | 7,010 |
| Equity capital to assets | 10.2738% | 3,799 |
| Core capital (leverage) ratio | 9.1364% | 4,473 |
| Tier 1 risk-based capital ratio | 16.4765% | 2,566 |
| Total risk-based capital ratio | 17.7335% | 2,516 |
| Memoranda: | ||
| Average total assets | $110,221,250 | 4,760 |
| Average earning assets | $102,377,500 | 4,713 |
| Average equity | $10,038,250 | 5,183 |
| Average total loans | $51,347,000 | 5,514 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 6,592 |
| Cost of funding earning assets | 1.2954% | 4,566 |
| Net interest margin | 3.2540% | 6,154 |
| Noninterest income to average assets | 0.4407% | 4,600 |
| Noninterest expense to average assets | 2.0658% | 6,984 |
| Loan and lease loss provision to assets | 0.3315% | 3,744 |
| Net operating income to assets | 0.8166% | 2,895 |
| Return on assets (ROA) | 0.9352% | 2,508 |
| Pretax return on assets | 1.2129% | 2,370 |
| Return on Equity (ROE) | 10.7029% | 1,859 |
| Retained earnings to average equity (ytd only) | 10.7029% | 711 |
| Net charge-offs to loans | 0.9640% | 1,915 |
| Credit loss provision to net charge-offs | 74.0000% | 4,857 |
| Earnings coverage of net charge-offs (x) | 3.1040% | 3,452 |
| Efficiency ratio | 59.7719% | 6,085 |
| Assets per employee ($millions) | 4.8102% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8625% | 2,533 |
| Loan loss allowance to noncurrent loans | 81.6034% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 2.9231% | 2,460 |
| Noncurrent loans to loans | 2.2824% | 3,393 |
| Net loans and leases to total assets | 46.0550% | 6,775 |
| Net loans and leases to deposits | 63.6372% | 6,068 |
| Net loans and leases to core deposits | 65.1157% | 6,305 |
| Total domestic deposits to total assets | 72.3713% | 7,151 |
| Equity capital to assets | 9.1752% | 5,177 |
| Core capital (leverage) ratio | 8.5165% | 5,380 |
| Tier 1 risk-based capital ratio | 15.0361% | 3,137 |
| Total risk-based capital ratio | 16.2904% | 3,104 |
| Memoranda: | ||
| Average total assets | $111,629,000 | 4,759 |
| Average earning assets | $103,443,330 | 4,709 |
| Average equity | $9,754,330 | 5,272 |
| Average total loans | $51,867,670 | 5,524 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6141% | 6,519 |
| Cost of funding earning assets | 1.3100% | 4,755 |
| Net interest margin | 3.3041% | 5,958 |
| Noninterest income to average assets | 0.3781% | 5,111 |
| Noninterest expense to average assets | 2.0727% | 7,008 |
| Loan and lease loss provision to assets | 0.4281% | 2,819 |
| Net operating income to assets | 0.7528% | 3,198 |
| Return on assets (ROA) | 0.8597% | 2,800 |
| Pretax return on assets | 1.0595% | 2,877 |
| Return on Equity (ROE) | 10.0879% | 2,069 |
| Retained earnings to average equity (ytd only) | 10.0879% | 1,119 |
| Net charge-offs to loans | 1.9367% | 889 |
| Credit loss provision to net charge-offs | 47.8088% | 4,521 |
| Earnings coverage of net charge-offs (x) | 1.5139% | 3,825 |
| Efficiency ratio | 60.4579% | 6,089 |
| Assets per employee ($millions) | 5.3244% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7693% | 2,828 |
| Loan loss allowance to noncurrent loans | 95.7447% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 3.0319% | 2,359 |
| Noncurrent loans to loans | 1.8480% | 3,990 |
| Net loans and leases to total assets | 44.6884% | 6,937 |
| Net loans and leases to deposits | 56.2122% | 6,758 |
| Net loans and leases to core deposits | 60.8871% | 6,675 |
| Total domestic deposits to total assets | 79.4995% | 5,949 |
| Equity capital to assets | 8.6636% | 5,786 |
| Core capital (leverage) ratio | 8.2822% | 5,776 |
| Tier 1 risk-based capital ratio | 14.3263% | 3,477 |
| Total risk-based capital ratio | 15.5749% | 3,444 |
| Memoranda: | ||
| Average total assets | $112,126,000 | 4,821 |
| Average earning assets | $103,509,000 | 4,767 |
| Average equity | $9,556,000 | 5,358 |
| Average total loans | $51,841,500 | 5,593 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0302% | 6,337 |
| Cost of funding earning assets | 1.7450% | 4,277 |
| Net interest margin | 3.2852% | 5,800 |
| Noninterest income to average assets | 0.0728% | 7,391 |
| Noninterest expense to average assets | 2.2474% | 6,875 |
| Loan and lease loss provision to assets | 0.5793% | 3,488 |
| Net operating income to assets | 0.2757% | 4,620 |
| Return on assets (ROA) | 0.3755% | 4,329 |
| Pretax return on assets | 0.3823% | 4,546 |
| Return on Equity (ROE) | 4.2271% | 3,991 |
| Retained earnings to average equity (ytd only) | 4.2271% | 2,258 |
| Net charge-offs to loans | 1.0581% | 2,293 |
| Credit loss provision to net charge-offs | 100.6745% | 5,477 |
| Earnings coverage of net charge-offs (x) | 1.4941% | 4,635 |
| Efficiency ratio | 72.3298% | 4,212 |
| Assets per employee ($millions) | 5.6220% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9540% | 2,133 |
| Loan loss allowance to noncurrent loans | 67.5393% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 3.2720% | 2,095 |
| Noncurrent loans to loans | 2.8931% | 2,669 |
| Net loans and leases to total assets | 46.0548% | 6,965 |
| Net loans and leases to deposits | 55.0460% | 6,981 |
| Net loans and leases to core deposits | 64.9810% | 7,034 |
| Total domestic deposits to total assets | 83.6660% | 4,194 |
| Equity capital to assets | 8.3822% | 6,076 |
| Core capital (leverage) ratio | 8.2774% | 5,657 |
| Tier 1 risk-based capital ratio | 13.7622% | 3,653 |
| Total risk-based capital ratio | 14.9847% | 3,604 |
| Memoranda: | ||
| Average total assets | $103,051,400 | 5,013 |
| Average earning assets | $95,184,200 | 4,969 |
| Average equity | $9,155,200 | 5,562 |
| Average total loans | $56,041,600 | 5,415 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2089% | 5,841 |
| Cost of funding earning assets | 1.8607% | 4,093 |
| Net interest margin | 3.3482% | 5,448 |
| Noninterest income to average assets | 0.5865% | 3,803 |
| Noninterest expense to average assets | 2.5606% | 5,855 |
| Loan and lease loss provision to assets | 0.5243% | 3,288 |
| Net operating income to assets | 0.4750% | 4,094 |
| Return on assets (ROA) | 0.5865% | 3,716 |
| Pretax return on assets | 0.7269% | 3,768 |
| Return on Equity (ROE) | 6.4994% | 3,300 |
| Retained earnings to average equity (ytd only) | 6.4994% | 1,707 |
| Net charge-offs to loans | 1.3627% | 1,510 |
| Credit loss provision to net charge-offs | 68.1583% | 6,018 |
| Earnings coverage of net charge-offs (x) | 1.4475% | 4,700 |
| Efficiency ratio | 69.6937% | 4,648 |
| Assets per employee ($millions) | 4.8541% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 3,054 |
| Loan loss allowance to noncurrent loans | 59.3794% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 3.6801% | 1,773 |
| Noncurrent loans to loans | 2.6687% | 2,839 |
| Net loans and leases to total assets | 48.9671% | 6,870 |
| Net loans and leases to deposits | 60.9180% | 6,755 |
| Net loans and leases to core deposits | 70.5038% | 6,939 |
| Total domestic deposits to total assets | 80.3821% | 5,297 |
| Equity capital to assets | 8.9915% | 5,488 |
| Core capital (leverage) ratio | 8.8313% | 4,931 |
| Tier 1 risk-based capital ratio | 14.4725% | 3,293 |
| Total risk-based capital ratio | 15.7164% | 3,243 |
| Memoranda: | ||
| Average total assets | $100,704,250 | 5,105 |
| Average earning assets | $92,864,500 | 5,076 |
| Average equity | $9,087,750 | 5,638 |
| Average total loans | $56,848,000 | 5,435 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3286% | 5,508 |
| Cost of funding earning assets | 1.9680% | 3,927 |
| Net interest margin | 3.3606% | 5,318 |
| Noninterest income to average assets | 0.5797% | 3,839 |
| Noninterest expense to average assets | 2.4809% | 6,177 |
| Loan and lease loss provision to assets | 0.6506% | 2,482 |
| Net operating income to assets | 0.4875% | 4,131 |
| Return on assets (ROA) | 0.4358% | 4,467 |
| Pretax return on assets | 0.5128% | 4,575 |
| Return on Equity (ROE) | 4.8226% | 4,158 |
| Retained earnings to average equity (ytd only) | 4.8226% | 2,622 |
| Net charge-offs to loans | 1.9144% | 978 |
| Credit loss provision to net charge-offs | 57.7338% | 5,633 |
| Earnings coverage of net charge-offs (x) | 1.0863% | 4,698 |
| Efficiency ratio | 66.9584% | 5,370 |
| Assets per employee ($millions) | 4.6093% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 3,611 |
| Loan loss allowance to noncurrent loans | 390.1478% | 807 |
| Noncurrent assets plus other real estate owned to assets | 2.6971% | 2,381 |
| Noncurrent loans to loans | 0.3646% | 6,599 |
| Net loans and leases to total assets | 54.1265% | 6,435 |
| Net loans and leases to deposits | 71.3894% | 5,824 |
| Net loans and leases to core deposits | 84.0987% | 6,083 |
| Total domestic deposits to total assets | 75.8187% | 6,591 |
| Equity capital to assets | 8.8950% | 5,460 |
| Core capital (leverage) ratio | 8.8398% | 4,880 |
| Tier 1 risk-based capital ratio | 14.1537% | 3,426 |
| Total risk-based capital ratio | 15.3889% | 3,374 |
| Memoranda: | ||
| Average total assets | $98,675,670 | 5,195 |
| Average earning assets | $91,768,670 | 5,133 |
| Average equity | $8,916,330 | 5,710 |
| Average total loans | $58,086,000 | 5,420 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4163% | 5,335 |
| Cost of funding earning assets | 2.1022% | 3,638 |
| Net interest margin | 3.3141% | 5,446 |
| Noninterest income to average assets | 0.6001% | 3,547 |
| Noninterest expense to average assets | 2.3101% | 6,506 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9797% | 2,397 |
| Return on assets (ROA) | 0.9125% | 2,789 |
| Pretax return on assets | 1.2866% | 2,328 |
| Return on Equity (ROE) | 10.0175% | 2,312 |
| Retained earnings to average equity (ytd only) | 10.0175% | 1,192 |
| Net charge-offs to loans | 0.4115% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 5.5082% | 2,663 |
| Efficiency ratio | 62.5835% | 5,955 |
| Assets per employee ($millions) | 4.5324% | 2,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6695% | 2,245 |
| Loan loss allowance to noncurrent loans | 57.0755% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 3.3830% | 1,611 |
| Noncurrent loans to loans | 2.9251% | 2,235 |
| Net loans and leases to total assets | 59.8996% | 5,670 |
| Net loans and leases to deposits | 77.5867% | 4,992 |
| Net loans and leases to core deposits | 88.2459% | 5,711 |
| Total domestic deposits to total assets | 77.2034% | 6,227 |
| Equity capital to assets | 9.3811% | 4,833 |
| Core capital (leverage) ratio | 9.1110% | 4,537 |
| Tier 1 risk-based capital ratio | 14.4652% | 3,327 |
| Total risk-based capital ratio | 15.7199% | 3,249 |
| Memoranda: | ||
| Average total assets | $97,311,000 | 5,262 |
| Average earning assets | $90,763,500 | 5,193 |
| Average equity | $8,864,500 | 5,751 |
| Average total loans | $59,289,500 | 5,388 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6303% | 6,988 |
| Cost of funding earning assets | 2.9814% | 1,931 |
| Net interest margin | 2.6489% | 7,582 |
| Noninterest income to average assets | 0.4915% | 4,672 |
| Noninterest expense to average assets | 2.0187% | 7,406 |
| Loan and lease loss provision to assets | 0.1272% | 5,737 |
| Net operating income to assets | 0.6604% | 4,066 |
| Return on assets (ROA) | -0.0832% | 6,330 |
| Pretax return on assets | -0.3098% | 6,474 |
| Return on Equity (ROE) | -1.0022% | 6,365 |
| Retained earnings to average equity (ytd only) | -1.0022% | 5,600 |
| Net charge-offs to loans | 0.0374% | 6,278 |
| Credit loss provision to net charge-offs | 554.1667% | 794 |
| Earnings coverage of net charge-offs (x) | 42.6667% | 867 |
| Efficiency ratio | 67.3365% | 4,844 |
| Assets per employee ($millions) | 4.5200% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6964% | 1,922 |
| Loan loss allowance to noncurrent loans | 57.8503% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 3.2683% | 1,383 |
| Noncurrent loans to loans | 2.9324% | 1,832 |
| Net loans and leases to total assets | 59.9049% | 5,922 |
| Net loans and leases to deposits | 80.4522% | 4,967 |
| Net loans and leases to core deposits | 93.4607% | 5,500 |
| Total domestic deposits to total assets | 74.4602% | 6,566 |
| Equity capital to assets | 8.8495% | 5,563 |
| Core capital (leverage) ratio | 8.7400% | 5,130 |
| Tier 1 risk-based capital ratio | 13.7276% | 3,679 |
| Total risk-based capital ratio | 14.0274% | 4,162 |
| Memoranda: | ||
| Average total assets | $104,574,200 | 4,912 |
| Average earning assets | $98,947,600 | 4,834 |
| Average equity | $8,680,600 | 5,850 |
| Average total loans | $64,212,600 | 5,091 |