Home > M C Bank & Trust Company > Performance and Condition Ratios
M C Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6079% | 1,024 |
| Cost of funding earning assets | 1.4283% | 2,153 |
| Net interest margin | 4.1795% | 965 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 3.1414% | 892 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 0.5863% | 3,470 |
| Return on assets (ROA) | 0.4235% | 3,817 |
| Pretax return on assets | 0.5538% | 3,714 |
| Return on Equity (ROE) | 2.4200% | 4,106 |
| Retained earnings to average equity (ytd only) | 1.3695% | 3,745 |
| Net charge-offs to loans | 0.0098% | 2,287 |
| Credit loss provision to net charge-offs | 3,686.6667% | 140 |
| Earnings coverage of net charge-offs (x) | 140.2667% | 744 |
| Efficiency ratio | 75.2950% | 1,325 |
| Assets per employee ($millions) | 4.4985% | 3,953 |
| Cash dividends to net income (ytd only)* | 43.3198% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5685% | 902 |
| Loan loss allowance to noncurrent loans | 251.8245% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.5809% | 952 |
| Noncurrent loans to loans | 0.6228% | 1,263 |
| Net loans and leases to total assets | 72.7000% | 1,502 |
| Net loans and leases to deposits | 103.8936% | 366 |
| Net loans and leases to core deposits | 114.8576% | 788 |
| Total domestic deposits to total assets | 69.9700% | 4,291 |
| Equity capital to assets | 16.4363% | 426 |
| Core capital (leverage) ratio | 17.7576% | 356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $408,253,400 | 1,988 |
| Average earning assets | $368,892,200 | 2,015 |
| Average equity | $71,558,000 | 1,230 |
| Average total loans | $305,481,400 | 1,769 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4785% | 1,038 |
| Cost of funding earning assets | 1.3164% | 2,107 |
| Net interest margin | 4.1622% | 976 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 3.0982% | 929 |
| Loan and lease loss provision to assets | 0.3000% | 314 |
| Net operating income to assets | 0.5831% | 3,586 |
| Return on assets (ROA) | 0.4912% | 3,786 |
| Pretax return on assets | 0.6355% | 3,669 |
| Return on Equity (ROE) | 2.7300% | 4,130 |
| Retained earnings to average equity (ytd only) | 1.6707% | 3,801 |
| Net charge-offs to loans | 0.0142% | 1,886 |
| Credit loss provision to net charge-offs | 2,812.5000% | 167 |
| Earnings coverage of net charge-offs (x) | 98.7813% | 922 |
| Efficiency ratio | 74.6654% | 1,302 |
| Assets per employee ($millions) | 4.3322% | 4,032 |
| Cash dividends to net income (ytd only)* | 38.7949% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 2,223 |
| Loan loss allowance to noncurrent loans | 68.2168% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.4552% | 260 |
| Noncurrent loans to loans | 1.8019% | 358 |
| Net loans and leases to total assets | 76.0700% | 1,113 |
| Net loans and leases to deposits | 107.5965% | 255 |
| Net loans and leases to core deposits | 121.4468% | 516 |
| Total domestic deposits to total assets | 70.7000% | 4,304 |
| Equity capital to assets | 17.7737% | 357 |
| Core capital (leverage) ratio | 18.6510% | 317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $400,916,500 | 2,012 |
| Average earning assets | $362,399,000 | 2,036 |
| Average equity | $72,145,500 | 1,216 |
| Average total loans | $300,451,500 | 1,789 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3127% | 1,064 |
| Cost of funding earning assets | 1.1805% | 2,050 |
| Net interest margin | 4.1322% | 1,036 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 3.0615% | 954 |
| Loan and lease loss provision to assets | 0.3000% | 309 |
| Net operating income to assets | 0.6029% | 3,564 |
| Return on assets (ROA) | 0.4647% | 3,885 |
| Pretax return on assets | 0.6091% | 3,782 |
| Return on Equity (ROE) | 2.5700% | 4,209 |
| Retained earnings to average equity (ytd only) | 1.5154% | 3,822 |
| Net charge-offs to loans | 0.0155% | 1,621 |
| Credit loss provision to net charge-offs | 2,608.6957% | 208 |
| Earnings coverage of net charge-offs (x) | 94.3043% | 970 |
| Efficiency ratio | 73.8549% | 1,361 |
| Assets per employee ($millions) | 4.4261% | 3,998 |
| Cash dividends to net income (ytd only)* | 41.0753% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 2,817 |
| Loan loss allowance to noncurrent loans | 165.7103% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5942% | 909 |
| Noncurrent loans to loans | 0.6791% | 1,102 |
| Net loans and leases to total assets | 74.4000% | 1,234 |
| Net loans and leases to deposits | 108.8904% | 223 |
| Net loans and leases to core deposits | 120.1893% | 506 |
| Total domestic deposits to total assets | 68.3200% | 4,403 |
| Equity capital to assets | 17.4643% | 365 |
| Core capital (leverage) ratio | 19.1168% | 301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $400,258,000 | 2,014 |
| Average earning assets | $362,713,667 | 2,034 |
| Average equity | $72,324,333 | 1,211 |
| Average total loans | $297,175,667 | 1,789 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0668% | 1,114 |
| Cost of funding earning assets | 0.9121% | 2,336 |
| Net interest margin | 4.1548% | 1,014 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 3.0859% | 957 |
| Loan and lease loss provision to assets | 0.3100% | 269 |
| Net operating income to assets | 0.5796% | 3,730 |
| Return on assets (ROA) | 0.2977% | 4,217 |
| Pretax return on assets | 0.4108% | 4,117 |
| Return on Equity (ROE) | 1.6200% | 4,335 |
| Retained earnings to average equity (ytd only) | 0.5599% | 3,942 |
| Net charge-offs to loans | 0.0194% | 1,289 |
| Credit loss provision to net charge-offs | 2,142.8571% | 188 |
| Earnings coverage of net charge-offs (x) | 75.2143% | 921 |
| Efficiency ratio | 74.1912% | 1,321 |
| Assets per employee ($millions) | 4.7924% | 3,801 |
| Cash dividends to net income (ytd only)* | 65.4110% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0749% | 3,176 |
| Loan loss allowance to noncurrent loans | 138.5341% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6680% | 741 |
| Noncurrent loans to loans | 0.7759% | 991 |
| Net loans and leases to total assets | 73.8900% | 1,218 |
| Net loans and leases to deposits | 102.8854% | 335 |
| Net loans and leases to core deposits | 114.6420% | 568 |
| Total domestic deposits to total assets | 71.8200% | 4,363 |
| Equity capital to assets | 18.0384% | 297 |
| Core capital (leverage) ratio | 19.2857% | 296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $392,360,000 | 2,067 |
| Average earning assets | $356,988,500 | 2,086 |
| Average equity | $72,156,000 | 1,225 |
| Average total loans | $289,235,500 | 1,842 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4304% | 832 |
| Cost of funding earning assets | 0.2539% | 3,290 |
| Net interest margin | 4.1765% | 570 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.9295% | 1,079 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.8674% | 3,089 |
| Return on assets (ROA) | 0.8674% | 3,022 |
| Pretax return on assets | 1.1252% | 2,691 |
| Return on Equity (ROE) | 4.5800% | 4,079 |
| Retained earnings to average equity (ytd only) | 3.5161% | 3,560 |
| Net charge-offs to loans | 0.5035% | 145 |
| Credit loss provision to net charge-offs | 25.1969% | 1,915 |
| Earnings coverage of net charge-offs (x) | 3.6236% | 2,459 |
| Efficiency ratio | 70.7810% | 1,589 |
| Assets per employee ($millions) | 4.8362% | 3,791 |
| Cash dividends to net income (ytd only)* | 23.1445% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 3,080 |
| Loan loss allowance to noncurrent loans | 133.1826% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6750% | 729 |
| Noncurrent loans to loans | 0.7963% | 935 |
| Net loans and leases to total assets | 71.9300% | 1,424 |
| Net loans and leases to deposits | 94.2161% | 766 |
| Net loans and leases to core deposits | 99.9669% | 1,006 |
| Total domestic deposits to total assets | 76.3500% | 4,240 |
| Equity capital to assets | 18.6598% | 268 |
| Core capital (leverage) ratio | 20.9187% | 226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $380,546,800 | 2,101 |
| Average earning assets | $363,083,400 | 2,059 |
| Average equity | $72,152,800 | 1,224 |
| Average total loans | $252,230,000 | 1,927 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2334% | 831 |
| Cost of funding earning assets | 0.2375% | 2,846 |
| Net interest margin | 3.9960% | 642 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 2.7762% | 1,295 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.9062% | 2,842 |
| Return on assets (ROA) | 0.9062% | 2,822 |
| Pretax return on assets | 1.1714% | 2,488 |
| Return on Equity (ROE) | 4.7600% | 4,022 |
| Retained earnings to average equity (ytd only) | 3.7050% | 3,552 |
| Net charge-offs to loans | 0.1806% | 373 |
| Credit loss provision to net charge-offs | 18.0180% | 1,635 |
| Earnings coverage of net charge-offs (x) | 10.2102% | 1,996 |
| Efficiency ratio | 69.9540% | 1,768 |
| Assets per employee ($millions) | 4.6303% | 3,955 |
| Cash dividends to net income (ytd only)* | 22.1749% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 1,591 |
| Loan loss allowance to noncurrent loans | 379.3717% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 1,543 |
| Noncurrent loans to loans | 0.3707% | 1,912 |
| Net loans and leases to total assets | 66.9000% | 1,797 |
| Net loans and leases to deposits | 82.5315% | 1,401 |
| Net loans and leases to core deposits | 87.3403% | 1,445 |
| Total domestic deposits to total assets | 81.0600% | 3,971 |
| Equity capital to assets | 18.3364% | 258 |
| Core capital (leverage) ratio | 20.0564% | 236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $380,168,000 | 2,116 |
| Average earning assets | $366,093,750 | 2,063 |
| Average equity | $72,368,000 | 1,230 |
| Average total loans | $245,842,000 | 1,966 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8229% | 1,267 |
| Cost of funding earning assets | 0.2420% | 2,369 |
| Net interest margin | 3.5808% | 1,101 |
| Noninterest income to average assets | 0.1609% | 4,208 |
| Noninterest expense to average assets | 2.7466% | 1,278 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6926% | 3,330 |
| Return on assets (ROA) | 0.6926% | 3,285 |
| Pretax return on assets | 0.8840% | 3,109 |
| Return on Equity (ROE) | 3.5942% | 4,117 |
| Retained earnings to average equity (ytd only) | 2.5517% | 3,603 |
| Net charge-offs to loans | 0.2836% | 243 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 4.9009% | 1,941 |
| Efficiency ratio | 75.6518% | 1,320 |
| Assets per employee ($millions) | 4.7620% | 3,878 |
| Cash dividends to net income (ytd only)* | 29.0053% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 1,736 |
| Loan loss allowance to noncurrent loans | 85.7798% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.2340% | 340 |
| Noncurrent loans to loans | 1.6352% | 439 |
| Net loans and leases to total assets | 65.5602% | 1,752 |
| Net loans and leases to deposits | 81.2184% | 1,297 |
| Net loans and leases to core deposits | 86.8856% | 1,273 |
| Total domestic deposits to total assets | 80.7210% | 4,169 |
| Equity capital to assets | 18.7065% | 203 |
| Core capital (leverage) ratio | 19.9669% | 192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $380,330,000 | 2,124 |
| Average earning assets | $368,519,000 | 2,069 |
| Average equity | $73,284,000 | 1,254 |
| Average total loans | $241,914,000 | 1,982 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6138% | 1,467 |
| Cost of funding earning assets | 0.2615% | 2,026 |
| Net interest margin | 3.3523% | 1,433 |
| Noninterest income to average assets | 0.1610% | 4,190 |
| Noninterest expense to average assets | 2.6652% | 1,438 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5884% | 3,428 |
| Return on assets (ROA) | 0.5884% | 3,411 |
| Pretax return on assets | 0.7473% | 3,257 |
| Return on Equity (ROE) | 3.0097% | 4,084 |
| Retained earnings to average equity (ytd only) | 1.9813% | 3,544 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0999% | 1,306 |
| Assets per employee ($millions) | 5.0026% | 3,753 |
| Cash dividends to net income (ytd only)* | 34.1682% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 1,192 |
| Loan loss allowance to noncurrent loans | 54.1412% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.9621% | 152 |
| Noncurrent loans to loans | 3.0143% | 177 |
| Net loans and leases to total assets | 60.9632% | 1,965 |
| Net loans and leases to deposits | 75.5962% | 1,481 |
| Net loans and leases to core deposits | 80.9595% | 1,425 |
| Total domestic deposits to total assets | 80.6432% | 4,231 |
| Equity capital to assets | 18.8358% | 199 |
| Core capital (leverage) ratio | 20.1581% | 161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $380,016,000 | 2,132 |
| Average earning assets | $368,587,500 | 2,081 |
| Average equity | $74,294,000 | 1,269 |
| Average total loans | $236,216,000 | 2,010 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8974% | 1,622 |
| Cost of funding earning assets | 0.3111% | 2,284 |
| Net interest margin | 3.5864% | 1,504 |
| Noninterest income to average assets | 0.1351% | 4,472 |
| Noninterest expense to average assets | 2.7839% | 1,396 |
| Loan and lease loss provision to assets | 0.0554% | 1,943 |
| Net operating income to assets | 0.5965% | 3,883 |
| Return on assets (ROA) | 0.5965% | 3,926 |
| Pretax return on assets | 0.7618% | 3,810 |
| Return on Equity (ROE) | 2.8454% | 4,390 |
| Retained earnings to average equity (ytd only) | 1.8036% | 4,042 |
| Net charge-offs to loans | 0.1918% | 510 |
| Credit loss provision to net charge-offs | 44.9438% | 2,167 |
| Earnings coverage of net charge-offs (x) | 6.6337% | 2,388 |
| Efficiency ratio | 77.3080% | 1,007 |
| Assets per employee ($millions) | 4.9999% | 3,726 |
| Cash dividends to net income (ytd only)* | 36.6125% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6671% | 1,121 |
| Loan loss allowance to noncurrent loans | 51.1689% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 2.1296% | 143 |
| Noncurrent loans to loans | 3.2580% | 165 |
| Net loans and leases to total assets | 61.2830% | 2,037 |
| Net loans and leases to deposits | 77.3887% | 1,457 |
| Net loans and leases to core deposits | 83.3323% | 1,371 |
| Total domestic deposits to total assets | 79.1885% | 4,296 |
| Equity capital to assets | 20.2576% | 174 |
| Core capital (leverage) ratio | 20.2700% | 164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,261,800 | 2,145 |
| Average earning assets | $349,127,800 | 2,089 |
| Average equity | $75,737,600 | 1,265 |
| Average total loans | $231,961,200 | 2,039 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8173% | 1,981 |
| Cost of funding earning assets | 0.3142% | 2,463 |
| Net interest margin | 3.5031% | 1,854 |
| Noninterest income to average assets | 0.1408% | 4,498 |
| Noninterest expense to average assets | 2.7525% | 1,456 |
| Loan and lease loss provision to assets | 0.0746% | 1,556 |
| Net operating income to assets | 0.5384% | 4,122 |
| Return on assets (ROA) | 0.5384% | 4,167 |
| Pretax return on assets | 0.6916% | 4,076 |
| Return on Equity (ROE) | 2.5457% | 4,520 |
| Retained earnings to average equity (ytd only) | 1.5186% | 4,309 |
| Net charge-offs to loans | 0.2056% | 404 |
| Credit loss provision to net charge-offs | 56.0224% | 1,825 |
| Earnings coverage of net charge-offs (x) | 5.7591% | 2,212 |
| Efficiency ratio | 78.2273% | 861 |
| Assets per employee ($millions) | 4.6114% | 4,039 |
| Cash dividends to net income (ytd only)* | 40.3460% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7621% | 995 |
| Loan loss allowance to noncurrent loans | 53.4765% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 2.0924% | 173 |
| Noncurrent loans to loans | 3.2951% | 180 |
| Net loans and leases to total assets | 60.2061% | 2,226 |
| Net loans and leases to deposits | 76.5407% | 1,619 |
| Net loans and leases to core deposits | 82.8746% | 1,506 |
| Total domestic deposits to total assets | 78.6589% | 4,360 |
| Equity capital to assets | 20.5756% | 170 |
| Core capital (leverage) ratio | 20.3585% | 169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $357,828,500 | 2,181 |
| Average earning assets | $345,015,750 | 2,128 |
| Average equity | $75,680,750 | 1,284 |
| Average total loans | $231,525,500 | 2,078 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7724% | 2,139 |
| Cost of funding earning assets | 0.3112% | 2,668 |
| Net interest margin | 3.4612% | 1,971 |
| Noninterest income to average assets | 0.1367% | 4,515 |
| Noninterest expense to average assets | 2.7306% | 1,506 |
| Loan and lease loss provision to assets | 0.0847% | 1,447 |
| Net operating income to assets | 0.4942% | 4,235 |
| Return on assets (ROA) | 0.4942% | 4,278 |
| Pretax return on assets | 0.6568% | 4,148 |
| Return on Equity (ROE) | 2.3146% | 4,565 |
| Retained earnings to average equity (ytd only) | 1.3306% | 4,274 |
| Net charge-offs to loans | 0.4097% | 204 |
| Credit loss provision to net charge-offs | 31.3808% | 1,692 |
| Earnings coverage of net charge-offs (x) | 2.7469% | 2,109 |
| Efficiency ratio | 78.6435% | 877 |
| Assets per employee ($millions) | 4.5928% | 4,029 |
| Cash dividends to net income (ytd only)* | 42.5143% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6726% | 1,120 |
| Loan loss allowance to noncurrent loans | 51.0781% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 2.1076% | 197 |
| Noncurrent loans to loans | 3.2746% | 205 |
| Net loans and leases to total assets | 61.0232% | 2,301 |
| Net loans and leases to deposits | 77.6782% | 1,664 |
| Net loans and leases to core deposits | 84.9489% | 1,496 |
| Total domestic deposits to total assets | 78.5589% | 4,379 |
| Equity capital to assets | 20.5992% | 166 |
| Core capital (leverage) ratio | 20.6148% | 159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $354,133,667 | 2,184 |
| Average earning assets | $341,267,333 | 2,130 |
| Average equity | $75,605,667 | 1,278 |
| Average total loans | $233,336,667 | 2,072 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7290% | 2,293 |
| Cost of funding earning assets | 0.3077% | 2,914 |
| Net interest margin | 3.4214% | 2,053 |
| Noninterest income to average assets | 0.1243% | 4,575 |
| Noninterest expense to average assets | 2.7097% | 1,601 |
| Loan and lease loss provision to assets | 0.1727% | 716 |
| Net operating income to assets | 0.4973% | 4,179 |
| Return on assets (ROA) | 0.4973% | 4,220 |
| Pretax return on assets | 0.5318% | 4,299 |
| Return on Equity (ROE) | 2.2868% | 4,575 |
| Retained earnings to average equity (ytd only) | 1.4028% | 4,145 |
| Net charge-offs to loans | 1.3662% | 50 |
| Credit loss provision to net charge-offs | 18.6104% | 1,429 |
| Earnings coverage of net charge-offs (x) | 0.7593% | 1,878 |
| Efficiency ratio | 79.3661% | 861 |
| Assets per employee ($millions) | 4.6727% | 3,955 |
| Cash dividends to net income (ytd only)* | 38.6574% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4417% | 1,799 |
| Loan loss allowance to noncurrent loans | 139.7914% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.7451% | 1,234 |
| Noncurrent loans to loans | 1.0313% | 1,301 |
| Net loans and leases to total assets | 66.2159% | 1,770 |
| Net loans and leases to deposits | 84.5797% | 1,086 |
| Net loans and leases to core deposits | 92.8157% | 1,053 |
| Total domestic deposits to total assets | 78.2882% | 4,411 |
| Equity capital to assets | 20.9517% | 153 |
| Core capital (leverage) ratio | 21.4764% | 144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $347,487,500 | 2,204 |
| Average earning assets | $334,135,500 | 2,155 |
| Average equity | $75,565,000 | 1,266 |
| Average total loans | $235,990,500 | 2,057 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7643% | 780 |
| Cost of funding earning assets | 0.3822% | 3,695 |
| Net interest margin | 4.3821% | 422 |
| Noninterest income to average assets | 0.1667% | 4,456 |
| Noninterest expense to average assets | 2.8341% | 1,853 |
| Loan and lease loss provision to assets | 0.4183% | 721 |
| Net operating income to assets | 0.8822% | 2,774 |
| Return on assets (ROA) | 0.8822% | 2,910 |
| Pretax return on assets | 1.1211% | 2,617 |
| Return on Equity (ROE) | 3.8173% | 4,198 |
| Retained earnings to average equity (ytd only) | 2.7741% | 3,476 |
| Net charge-offs to loans | 0.4981% | 319 |
| Credit loss provision to net charge-offs | 120.4282% | 2,630 |
| Earnings coverage of net charge-offs (x) | 4.4318% | 2,984 |
| Efficiency ratio | 64.8009% | 2,702 |
| Assets per employee ($millions) | 4.3527% | 4,070 |
| Cash dividends to net income (ytd only)* | 27.3270% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7985% | 861 |
| Loan loss allowance to noncurrent loans | 111.3771% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 1.1574% | 768 |
| Noncurrent loans to loans | 1.6148% | 817 |
| Net loans and leases to total assets | 67.4642% | 1,891 |
| Net loans and leases to deposits | 87.8753% | 1,098 |
| Net loans and leases to core deposits | 98.4787% | 987 |
| Total domestic deposits to total assets | 76.7727% | 4,440 |
| Equity capital to assets | 22.6864% | 122 |
| Core capital (leverage) ratio | 22.1405% | 129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $322,714,800 | 2,176 |
| Average earning assets | $309,803,400 | 2,120 |
| Average equity | $74,582,200 | 1,227 |
| Average total loans | $225,061,000 | 2,071 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7559% | 955 |
| Cost of funding earning assets | 0.3895% | 3,868 |
| Net interest margin | 4.3664% | 503 |
| Noninterest income to average assets | 0.1773% | 4,402 |
| Noninterest expense to average assets | 2.7800% | 2,022 |
| Loan and lease loss provision to assets | 0.3964% | 897 |
| Net operating income to assets | 0.9065% | 2,671 |
| Return on assets (ROA) | 0.9065% | 2,806 |
| Pretax return on assets | 1.1914% | 2,418 |
| Return on Equity (ROE) | 3.9037% | 4,182 |
| Retained earnings to average equity (ytd only) | 2.8078% | 3,604 |
| Net charge-offs to loans | 0.0328% | 2,170 |
| Credit loss provision to net charge-offs | 1,727.2727% | 548 |
| Earnings coverage of net charge-offs (x) | 69.2000% | 1,002 |
| Efficiency ratio | 63.6485% | 2,796 |
| Assets per employee ($millions) | 4.2319% | 4,112 |
| Cash dividends to net income (ytd only)* | 28.0718% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0037% | 493 |
| Loan loss allowance to noncurrent loans | 126.4335% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.1809% | 863 |
| Noncurrent loans to loans | 1.5848% | 892 |
| Net loans and leases to total assets | 70.3213% | 1,902 |
| Net loans and leases to deposits | 91.8822% | 1,083 |
| Net loans and leases to core deposits | 102.1242% | 1,023 |
| Total domestic deposits to total assets | 76.5342% | 4,382 |
| Equity capital to assets | 22.5828% | 133 |
| Core capital (leverage) ratio | 22.0136% | 141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $319,604,250 | 2,174 |
| Average earning assets | $306,728,500 | 2,121 |
| Average equity | $74,219,000 | 1,217 |
| Average total loans | $223,763,250 | 2,078 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4860% | 1,955 |
| Cost of funding earning assets | 0.3953% | 4,052 |
| Net interest margin | 4.0908% | 1,133 |
| Noninterest income to average assets | 0.1926% | 4,314 |
| Noninterest expense to average assets | 2.8059% | 2,085 |
| Loan and lease loss provision to assets | 0.2542% | 1,663 |
| Net operating income to assets | 0.8567% | 2,847 |
| Return on assets (ROA) | 0.8567% | 2,964 |
| Pretax return on assets | 1.0524% | 2,864 |
| Return on Equity (ROE) | 3.6535% | 4,206 |
| Retained earnings to average equity (ytd only) | 2.6615% | 3,522 |
| Net charge-offs to loans | 0.0119% | 2,534 |
| Credit loss provision to net charge-offs | 3,076.9231% | 351 |
| Earnings coverage of net charge-offs (x) | 158.1538% | 518 |
| Efficiency ratio | 68.2275% | 2,205 |
| Assets per employee ($millions) | 4.1648% | 4,139 |
| Cash dividends to net income (ytd only)* | 27.1513% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8155% | 635 |
| Loan loss allowance to noncurrent loans | 52.9433% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 2.4821% | 228 |
| Noncurrent loans to loans | 3.4291% | 238 |
| Net loans and leases to total assets | 69.7822% | 2,064 |
| Net loans and leases to deposits | 91.1072% | 1,251 |
| Net loans and leases to core deposits | 101.2212% | 1,174 |
| Total domestic deposits to total assets | 76.5935% | 4,367 |
| Equity capital to assets | 22.4893% | 135 |
| Core capital (leverage) ratio | 21.9804% | 145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $314,698,667 | 2,178 |
| Average earning assets | $301,558,000 | 2,121 |
| Average equity | $73,792,333 | 1,215 |
| Average total loans | $218,382,333 | 2,096 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5724% | 2,088 |
| Cost of funding earning assets | 0.4203% | 4,280 |
| Net interest margin | 4.1521% | 1,018 |
| Noninterest income to average assets | 0.2318% | 4,161 |
| Noninterest expense to average assets | 2.9791% | 1,933 |
| Loan and lease loss provision to assets | 0.1964% | 1,540 |
| Net operating income to assets | 0.8315% | 2,793 |
| Return on assets (ROA) | 0.8315% | 2,875 |
| Pretax return on assets | 1.0280% | 2,749 |
| Return on Equity (ROE) | 3.4688% | 4,100 |
| Retained earnings to average equity (ytd only) | 3.4688% | 2,900 |
| Net charge-offs to loans | 0.0096% | 2,226 |
| Credit loss provision to net charge-offs | 3,000.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 187.0000% | 362 |
| Efficiency ratio | 70.8723% | 2,237 |
| Assets per employee ($millions) | 3.8481% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9509% | 552 |
| Loan loss allowance to noncurrent loans | 76.8808% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.7688% | 529 |
| Noncurrent loans to loans | 2.5376% | 468 |
| Net loans and leases to total assets | 67.0705% | 2,693 |
| Net loans and leases to deposits | 89.2463% | 1,604 |
| Net loans and leases to core deposits | 100.3149% | 1,447 |
| Total domestic deposits to total assets | 75.1521% | 4,573 |
| Equity capital to assets | 24.2850% | 121 |
| Core capital (leverage) ratio | 23.3868% | 139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,457,500 | 2,172 |
| Average earning assets | $292,186,000 | 2,121 |
| Average equity | $73,223,500 | 1,224 |
| Average total loans | $209,173,500 | 2,123 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8938% | 1,766 |
| Cost of funding earning assets | 0.4548% | 4,256 |
| Net interest margin | 4.4390% | 822 |
| Noninterest income to average assets | 0.2133% | 4,391 |
| Noninterest expense to average assets | 2.7995% | 2,602 |
| Loan and lease loss provision to assets | 0.2894% | 589 |
| Net operating income to assets | 1.1780% | 2,143 |
| Return on assets (ROA) | 1.1780% | 2,239 |
| Pretax return on assets | 1.4020% | 2,151 |
| Return on Equity (ROE) | 5.1114% | 4,176 |
| Retained earnings to average equity (ytd only) | 4.2240% | 2,845 |
| Net charge-offs to loans | 0.2649% | 782 |
| Credit loss provision to net charge-offs | 160.3604% | 1,608 |
| Earnings coverage of net charge-offs (x) | 9.3730% | 2,670 |
| Efficiency ratio | 62.3371% | 3,320 |
| Assets per employee ($millions) | 3.8399% | 4,110 |
| Cash dividends to net income (ytd only)* | 17.3613% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7424% | 731 |
| Loan loss allowance to noncurrent loans | 69.8818% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.7582% | 511 |
| Noncurrent loans to loans | 2.4934% | 435 |
| Net loans and leases to total assets | 67.2972% | 2,789 |
| Net loans and leases to deposits | 88.7978% | 1,736 |
| Net loans and leases to core deposits | 102.1772% | 1,393 |
| Total domestic deposits to total assets | 75.7871% | 4,623 |
| Equity capital to assets | 23.7181% | 140 |
| Core capital (leverage) ratio | 23.1300% | 153 |
| Tier 1 risk-based capital ratio | 30.5175% | 454 |
| Total risk-based capital ratio | 31.7713% | 449 |
| Memoranda: | ||
| Average total assets | $307,559,000 | 2,120 |
| Average earning assets | $296,372,000 | 2,050 |
| Average equity | $70,880,800 | 1,212 |
| Average total loans | $209,545,600 | 2,084 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7338% | 2,314 |
| Cost of funding earning assets | 0.4634% | 4,292 |
| Net interest margin | 4.2704% | 1,224 |
| Noninterest income to average assets | 0.2197% | 4,415 |
| Noninterest expense to average assets | 2.7827% | 2,614 |
| Loan and lease loss provision to assets | 0.2730% | 569 |
| Net operating income to assets | 1.0574% | 2,749 |
| Return on assets (ROA) | 1.0574% | 2,829 |
| Pretax return on assets | 1.2819% | 2,722 |
| Return on Equity (ROE) | 4.6220% | 4,448 |
| Retained earnings to average equity (ytd only) | 3.7488% | 3,518 |
| Net charge-offs to loans | 0.1783% | 952 |
| Credit loss provision to net charge-offs | 225.0000% | 1,193 |
| Earnings coverage of net charge-offs (x) | 12.8144% | 2,333 |
| Efficiency ratio | 64.1523% | 2,983 |
| Assets per employee ($millions) | 3.8164% | 4,147 |
| Cash dividends to net income (ytd only)* | 18.8934% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7108% | 800 |
| Loan loss allowance to noncurrent loans | 38.9153% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 3.0599% | 179 |
| Noncurrent loans to loans | 4.3963% | 138 |
| Net loans and leases to total assets | 68.4114% | 2,729 |
| Net loans and leases to deposits | 89.9233% | 1,705 |
| Net loans and leases to core deposits | 103.8428% | 1,335 |
| Total domestic deposits to total assets | 76.0775% | 4,645 |
| Equity capital to assets | 23.2794% | 154 |
| Core capital (leverage) ratio | 23.1170% | 152 |
| Tier 1 risk-based capital ratio | 29.2542% | 507 |
| Total risk-based capital ratio | 30.5075% | 500 |
| Memoranda: | ||
| Average total assets | $307,651,000 | 2,139 |
| Average earning assets | $296,669,500 | 2,058 |
| Average equity | $70,386,000 | 1,213 |
| Average total loans | $209,332,750 | 2,108 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6916% | 2,384 |
| Cost of funding earning assets | 0.4733% | 4,234 |
| Net interest margin | 4.2183% | 1,317 |
| Noninterest income to average assets | 0.2312% | 4,369 |
| Noninterest expense to average assets | 2.7569% | 2,733 |
| Loan and lease loss provision to assets | 0.2735% | 546 |
| Net operating income to assets | 1.0106% | 2,878 |
| Return on assets (ROA) | 1.0106% | 2,954 |
| Pretax return on assets | 1.2684% | 2,680 |
| Return on Equity (ROE) | 4.4432% | 4,482 |
| Retained earnings to average equity (ytd only) | 3.5270% | 3,480 |
| Net charge-offs to loans | 0.2064% | 804 |
| Credit loss provision to net charge-offs | 196.2617% | 1,233 |
| Earnings coverage of net charge-offs (x) | 11.0654% | 2,226 |
| Efficiency ratio | 64.1321% | 3,111 |
| Assets per employee ($millions) | 3.8143% | 4,101 |
| Cash dividends to net income (ytd only)* | 20.6186% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6865% | 846 |
| Loan loss allowance to noncurrent loans | 27.4804% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 4.2180% | 104 |
| Noncurrent loans to loans | 6.1370% | 61 |
| Net loans and leases to total assets | 67.5717% | 2,877 |
| Net loans and leases to deposits | 88.7759% | 1,890 |
| Net loans and leases to core deposits | 103.6521% | 1,418 |
| Total domestic deposits to total assets | 76.1149% | 4,650 |
| Equity capital to assets | 23.2867% | 156 |
| Core capital (leverage) ratio | 22.4530% | 162 |
| Tier 1 risk-based capital ratio | 29.1500% | 515 |
| Total risk-based capital ratio | 30.4026% | 506 |
| Memoranda: | ||
| Average total assets | $307,159,000 | 2,139 |
| Average earning assets | $296,187,000 | 2,061 |
| Average equity | $69,860,330 | 1,214 |
| Average total loans | $207,390,670 | 2,136 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6833% | 2,286 |
| Cost of funding earning assets | 0.4699% | 4,207 |
| Net interest margin | 4.2134% | 1,280 |
| Noninterest income to average assets | 0.2090% | 4,497 |
| Noninterest expense to average assets | 2.6739% | 2,983 |
| Loan and lease loss provision to assets | 0.2726% | 505 |
| Net operating income to assets | 1.1293% | 2,352 |
| Return on assets (ROA) | 1.1293% | 2,399 |
| Pretax return on assets | 1.3240% | 2,363 |
| Return on Equity (ROE) | 5.0244% | 4,319 |
| Retained earnings to average equity (ytd only) | 4.2044% | 3,237 |
| Net charge-offs to loans | 0.0524% | 1,538 |
| Credit loss provision to net charge-offs | 777.7778% | 451 |
| Earnings coverage of net charge-offs (x) | 45.5556% | 1,077 |
| Efficiency ratio | 62.6140% | 3,442 |
| Assets per employee ($millions) | 3.9397% | 4,010 |
| Cash dividends to net income (ytd only)* | 16.3218% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7364% | 800 |
| Loan loss allowance to noncurrent loans | 51.9746% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 2.1996% | 399 |
| Noncurrent loans to loans | 3.3408% | 285 |
| Net loans and leases to total assets | 63.8953% | 3,297 |
| Net loans and leases to deposits | 82.9872% | 2,504 |
| Net loans and leases to core deposits | 98.5646% | 1,740 |
| Total domestic deposits to total assets | 76.9942% | 4,652 |
| Equity capital to assets | 22.4921% | 163 |
| Core capital (leverage) ratio | 22.3860% | 165 |
| Tier 1 risk-based capital ratio | 30.2225% | 467 |
| Total risk-based capital ratio | 31.4760% | 457 |
| Memoranda: | ||
| Average total assets | $308,166,500 | 2,143 |
| Average earning assets | $297,054,000 | 2,064 |
| Average equity | $69,261,500 | 1,219 |
| Average total loans | $206,222,000 | 2,165 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5473% | 2,310 |
| Cost of funding earning assets | 0.3195% | 4,469 |
| Net interest margin | 4.2277% | 1,334 |
| Noninterest income to average assets | 0.2575% | 4,386 |
| Noninterest expense to average assets | 2.7661% | 2,803 |
| Loan and lease loss provision to assets | 0.1662% | 1,217 |
| Net operating income to assets | 1.1737% | 2,295 |
| Return on assets (ROA) | 1.1737% | 2,281 |
| Pretax return on assets | 1.3829% | 2,197 |
| Return on Equity (ROE) | 5.3770% | 4,360 |
| Retained earnings to average equity (ytd only) | 4.5333% | 3,034 |
| Net charge-offs to loans | 0.4389% | 416 |
| Credit loss provision to net charge-offs | 61.6687% | 3,084 |
| Earnings coverage of net charge-offs (x) | 5.7473% | 3,156 |
| Efficiency ratio | 64.1012% | 3,179 |
| Assets per employee ($millions) | 3.9135% | 4,022 |
| Cash dividends to net income (ytd only)* | 15.6901% | 3,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 1,059 |
| Loan loss allowance to noncurrent loans | 36.7822% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 2.9955% | 211 |
| Noncurrent loans to loans | 4.3080% | 157 |
| Net loans and leases to total assets | 67.7743% | 2,908 |
| Net loans and leases to deposits | 88.0529% | 2,035 |
| Net loans and leases to core deposits | 105.0445% | 1,340 |
| Total domestic deposits to total assets | 76.9699% | 4,636 |
| Equity capital to assets | 22.4630% | 162 |
| Core capital (leverage) ratio | 22.9100% | 146 |
| Tier 1 risk-based capital ratio | 29.5685% | 483 |
| Total risk-based capital ratio | 30.8205% | 475 |
| Memoranda: | ||
| Average total assets | $306,818,600 | 2,110 |
| Average earning assets | $294,483,400 | 2,052 |
| Average equity | $66,971,000 | 1,208 |
| Average total loans | $188,428,800 | 2,261 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5050% | 2,286 |
| Cost of funding earning assets | 0.2932% | 4,567 |
| Net interest margin | 4.2117% | 1,321 |
| Noninterest income to average assets | 0.2652% | 4,379 |
| Noninterest expense to average assets | 2.7572% | 2,784 |
| Loan and lease loss provision to assets | 0.1562% | 1,251 |
| Net operating income to assets | 1.1653% | 2,390 |
| Return on assets (ROA) | 1.1653% | 2,393 |
| Pretax return on assets | 1.3910% | 2,264 |
| Return on Equity (ROE) | 5.3775% | 4,451 |
| Retained earnings to average equity (ytd only) | 4.5283% | 3,484 |
| Net charge-offs to loans | 0.5771% | 259 |
| Credit loss provision to net charge-offs | 45.4545% | 2,866 |
| Earnings coverage of net charge-offs (x) | 4.5013% | 3,053 |
| Efficiency ratio | 64.0553% | 3,177 |
| Assets per employee ($millions) | 3.8015% | 4,167 |
| Cash dividends to net income (ytd only)* | 15.7915% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6399% | 989 |
| Loan loss allowance to noncurrent loans | 51.3738% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 2.1551% | 469 |
| Noncurrent loans to loans | 3.1920% | 327 |
| Net loans and leases to total assets | 63.4283% | 3,495 |
| Net loans and leases to deposits | 82.0730% | 2,808 |
| Net loans and leases to core deposits | 94.8783% | 2,218 |
| Total domestic deposits to total assets | 77.2828% | 4,603 |
| Equity capital to assets | 22.0635% | 164 |
| Core capital (leverage) ratio | 22.3718% | 157 |
| Tier 1 risk-based capital ratio | 28.9306% | 523 |
| Total risk-based capital ratio | 30.1820% | 516 |
| Memoranda: | ||
| Average total assets | $307,210,000 | 2,117 |
| Average earning assets | $294,629,000 | 2,062 |
| Average equity | $66,571,500 | 1,209 |
| Average total loans | $182,982,500 | 2,326 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8340% | 1,162 |
| Cost of funding earning assets | 0.2889% | 4,507 |
| Net interest margin | 4.5451% | 633 |
| Noninterest income to average assets | 0.2586% | 4,455 |
| Noninterest expense to average assets | 2.7589% | 2,810 |
| Loan and lease loss provision to assets | 0.1361% | 1,440 |
| Net operating income to assets | 1.4523% | 1,272 |
| Return on assets (ROA) | 1.4523% | 1,271 |
| Pretax return on assets | 1.7278% | 1,145 |
| Return on Equity (ROE) | 6.7135% | 3,988 |
| Retained earnings to average equity (ytd only) | 5.8657% | 2,629 |
| Net charge-offs to loans | 0.8242% | 162 |
| Credit loss provision to net charge-offs | 28.5326% | 2,635 |
| Earnings coverage of net charge-offs (x) | 3.9076% | 2,843 |
| Efficiency ratio | 59.6804% | 3,976 |
| Assets per employee ($millions) | 3.7223% | 4,324 |
| Cash dividends to net income (ytd only)* | 12.6283% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6565% | 982 |
| Loan loss allowance to noncurrent loans | 52.3562% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 2.0690% | 506 |
| Noncurrent loans to loans | 3.1638% | 339 |
| Net loans and leases to total assets | 60.7265% | 3,738 |
| Net loans and leases to deposits | 78.4776% | 3,109 |
| Net loans and leases to core deposits | 88.8583% | 2,653 |
| Total domestic deposits to total assets | 77.3807% | 4,682 |
| Equity capital to assets | 21.9981% | 166 |
| Core capital (leverage) ratio | 21.8759% | 167 |
| Tier 1 risk-based capital ratio | 30.0463% | 473 |
| Total risk-based capital ratio | 31.2978% | 469 |
| Memoranda: | ||
| Average total assets | $308,606,000 | 2,129 |
| Average earning assets | $296,318,670 | 2,063 |
| Average equity | $66,761,000 | 1,205 |
| Average total loans | $178,605,670 | 2,363 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1423% | 547 |
| Cost of funding earning assets | 0.2873% | 4,439 |
| Net interest margin | 4.8551% | 305 |
| Noninterest income to average assets | 0.2888% | 4,239 |
| Noninterest expense to average assets | 2.7148% | 2,997 |
| Loan and lease loss provision to assets | 0.0773% | 2,222 |
| Net operating income to assets | 1.9620% | 406 |
| Return on assets (ROA) | 1.9620% | 407 |
| Pretax return on assets | 2.1592% | 408 |
| Return on Equity (ROE) | 9.1453% | 2,836 |
| Retained earnings to average equity (ytd only) | 8.2981% | 1,732 |
| Net charge-offs to loans | 1.6353% | 80 |
| Credit loss provision to net charge-offs | 8.4507% | 2,172 |
| Earnings coverage of net charge-offs (x) | 2.4437% | 2,460 |
| Efficiency ratio | 54.8295% | 4,705 |
| Assets per employee ($millions) | 3.9127% | 4,131 |
| Cash dividends to net income (ytd only)* | 9.2641% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 1,005 |
| Loan loss allowance to noncurrent loans | 72.3980% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.4670% | 965 |
| Noncurrent loans to loans | 2.3141% | 620 |
| Net loans and leases to total assets | 56.2106% | 4,103 |
| Net loans and leases to deposits | 71.9377% | 3,608 |
| Net loans and leases to core deposits | 81.3424% | 3,205 |
| Total domestic deposits to total assets | 78.1379% | 4,709 |
| Equity capital to assets | 21.3621% | 170 |
| Core capital (leverage) ratio | 21.7228% | 160 |
| Tier 1 risk-based capital ratio | 30.7264% | 450 |
| Total risk-based capital ratio | 31.9777% | 446 |
| Memoranda: | ||
| Average total assets | $310,296,000 | 2,143 |
| Average earning assets | $297,997,000 | 2,075 |
| Average equity | $66,569,500 | 1,213 |
| Average total loans | $173,671,000 | 2,429 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0446% | 3,259 |
| Cost of funding earning assets | 0.2921% | 4,210 |
| Net interest margin | 3.7525% | 2,591 |
| Noninterest income to average assets | 0.2130% | 4,878 |
| Noninterest expense to average assets | 2.5006% | 3,781 |
| Loan and lease loss provision to assets | 0.0751% | 2,698 |
| Net operating income to assets | 0.9216% | 2,588 |
| Return on assets (ROA) | 0.9216% | 2,618 |
| Pretax return on assets | 1.2456% | 2,573 |
| Return on Equity (ROE) | 4.4913% | 4,354 |
| Retained earnings to average equity (ytd only) | 3.7628% | 2,967 |
| Net charge-offs to loans | -0.3571% | 5,583 |
| Credit loss provision to net charge-offs | -41.2371% | 4,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4391% | 3,355 |
| Assets per employee ($millions) | 3.7992% | 4,284 |
| Cash dividends to net income (ytd only)* | 16.2199% | 3,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1663% | 397 |
| Loan loss allowance to noncurrent loans | 40.0395% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 3.1179% | 250 |
| Noncurrent loans to loans | 5.4104% | 114 |
| Net loans and leases to total assets | 53.5358% | 4,399 |
| Net loans and leases to deposits | 68.6639% | 3,977 |
| Net loans and leases to core deposits | 78.1762% | 3,575 |
| Total domestic deposits to total assets | 77.9679% | 4,726 |
| Equity capital to assets | 21.5960% | 162 |
| Core capital (leverage) ratio | 21.0496% | 174 |
| Tier 1 risk-based capital ratio | 33.2773% | 363 |
| Total risk-based capital ratio | 34.5346% | 356 |
| Memoranda: | ||
| Average total assets | $319,763,800 | 2,066 |
| Average earning assets | $307,473,600 | 2,003 |
| Average equity | $65,615,800 | 1,216 |
| Average total loans | $162,982,400 | 2,509 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0112% | 3,320 |
| Cost of funding earning assets | 0.2966% | 4,165 |
| Net interest margin | 3.7146% | 2,698 |
| Noninterest income to average assets | 0.2177% | 4,917 |
| Noninterest expense to average assets | 2.4537% | 3,875 |
| Loan and lease loss provision to assets | 0.0744% | 2,581 |
| Net operating income to assets | 0.9695% | 2,695 |
| Return on assets (ROA) | 0.9695% | 2,750 |
| Pretax return on assets | 1.2644% | 2,649 |
| Return on Equity (ROE) | 4.7844% | 4,608 |
| Retained earnings to average equity (ytd only) | 4.0995% | 3,476 |
| Net charge-offs to loans | -0.5667% | 5,667 |
| Credit loss provision to net charge-offs | -26.2009% | 4,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6988% | 3,420 |
| Assets per employee ($millions) | 3.9161% | 4,125 |
| Cash dividends to net income (ytd only)* | 14.3162% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3535% | 319 |
| Loan loss allowance to noncurrent loans | 48.6686% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 2.5114% | 425 |
| Noncurrent loans to loans | 4.8357% | 171 |
| Net loans and leases to total assets | 48.8948% | 4,773 |
| Net loans and leases to deposits | 62.5082% | 4,478 |
| Net loans and leases to core deposits | 71.1495% | 4,177 |
| Total domestic deposits to total assets | 78.2214% | 4,690 |
| Equity capital to assets | 21.2682% | 178 |
| Core capital (leverage) ratio | 20.4758% | 197 |
| Tier 1 risk-based capital ratio | 33.6686% | 359 |
| Total risk-based capital ratio | 34.9264% | 351 |
| Memoranda: | ||
| Average total assets | $322,770,250 | 2,065 |
| Average earning assets | $310,623,250 | 1,999 |
| Average equity | $65,405,000 | 1,226 |
| Average total loans | $161,628,500 | 2,540 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0224% | 3,128 |
| Cost of funding earning assets | 0.2933% | 4,148 |
| Net interest margin | 3.7291% | 2,548 |
| Noninterest income to average assets | 0.2117% | 4,987 |
| Noninterest expense to average assets | 2.3434% | 4,233 |
| Loan and lease loss provision to assets | 0.0736% | 2,499 |
| Net operating income to assets | 1.0843% | 2,065 |
| Return on assets (ROA) | 1.0843% | 2,109 |
| Pretax return on assets | 1.3837% | 2,083 |
| Return on Equity (ROE) | 5.4372% | 4,298 |
| Retained earnings to average equity (ytd only) | 4.7480% | 2,885 |
| Net charge-offs to loans | -0.9080% | 5,729 |
| Credit loss provision to net charge-offs | -16.1943% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6564% | 4,058 |
| Assets per employee ($millions) | 3.9893% | 3,971 |
| Cash dividends to net income (ytd only)* | 12.6769% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2397% | 404 |
| Loan loss allowance to noncurrent loans | 30.6178% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 3.7857% | 191 |
| Noncurrent loans to loans | 7.3149% | 61 |
| Net loans and leases to total assets | 49.8041% | 4,723 |
| Net loans and leases to deposits | 63.0095% | 4,433 |
| Net loans and leases to core deposits | 71.1296% | 4,146 |
| Total domestic deposits to total assets | 79.0423% | 4,612 |
| Equity capital to assets | 20.4892% | 207 |
| Core capital (leverage) ratio | 19.9095% | 207 |
| Tier 1 risk-based capital ratio | 33.8718% | 335 |
| Total risk-based capital ratio | 35.1300% | 331 |
| Memoranda: | ||
| Average total assets | $325,930,670 | 2,047 |
| Average earning assets | $313,693,330 | 1,990 |
| Average equity | $64,996,330 | 1,229 |
| Average total loans | $163,213,330 | 2,515 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9720% | 3,140 |
| Cost of funding earning assets | 0.2891% | 4,151 |
| Net interest margin | 3.6828% | 2,550 |
| Noninterest income to average assets | 0.2200% | 4,960 |
| Noninterest expense to average assets | 2.3536% | 4,252 |
| Loan and lease loss provision to assets | 0.0733% | 2,336 |
| Net operating income to assets | 1.1035% | 1,854 |
| Return on assets (ROA) | 1.1035% | 1,896 |
| Pretax return on assets | 1.3418% | 2,092 |
| Return on Equity (ROE) | 5.6095% | 4,086 |
| Retained earnings to average equity (ytd only) | 4.9138% | 2,937 |
| Net charge-offs to loans | -1.5827% | 5,801 |
| Credit loss provision to net charge-offs | -9.3313% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4514% | 4,083 |
| Assets per employee ($millions) | 4.1069% | 3,827 |
| Cash dividends to net income (ytd only)* | 12.4031% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1546% | 503 |
| Loan loss allowance to noncurrent loans | 28.4138% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 3.8353% | 202 |
| Noncurrent loans to loans | 7.5829% | 67 |
| Net loans and leases to total assets | 48.7772% | 4,767 |
| Net loans and leases to deposits | 61.1565% | 4,484 |
| Net loans and leases to core deposits | 68.8695% | 4,229 |
| Total domestic deposits to total assets | 79.7580% | 4,670 |
| Equity capital to assets | 19.7873% | 219 |
| Core capital (leverage) ratio | 19.5050% | 213 |
| Tier 1 risk-based capital ratio | 32.8455% | 384 |
| Total risk-based capital ratio | 34.1022% | 373 |
| Memoranda: | ||
| Average total assets | $327,328,000 | 2,054 |
| Average earning assets | $315,409,500 | 1,994 |
| Average equity | $64,390,500 | 1,241 |
| Average total loans | $162,509,000 | 2,543 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8620% | 3,705 |
| Cost of funding earning assets | 0.3053% | 4,010 |
| Net interest margin | 3.5567% | 3,226 |
| Noninterest income to average assets | 0.2235% | 5,075 |
| Noninterest expense to average assets | 2.3680% | 4,371 |
| Loan and lease loss provision to assets | 0.1630% | 1,516 |
| Net operating income to assets | 0.9115% | 2,764 |
| Return on assets (ROA) | 0.9115% | 2,874 |
| Pretax return on assets | 1.1249% | 2,998 |
| Return on Equity (ROE) | 4.8065% | 4,511 |
| Retained earnings to average equity (ytd only) | 4.2063% | 2,915 |
| Net charge-offs to loans | 0.4762% | 519 |
| Credit loss provision to net charge-offs | 74.1240% | 3,067 |
| Earnings coverage of net charge-offs (x) | 5.8558% | 3,268 |
| Efficiency ratio | 64.7722% | 3,805 |
| Assets per employee ($millions) | 4.0806% | 3,829 |
| Cash dividends to net income (ytd only)* | 12.4878% | 3,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7776% | 981 |
| Loan loss allowance to noncurrent loans | 22.3348% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 3.9933% | 192 |
| Noncurrent loans to loans | 7.9589% | 56 |
| Net loans and leases to total assets | 48.5112% | 4,858 |
| Net loans and leases to deposits | 60.6485% | 4,632 |
| Net loans and leases to core deposits | 68.3368% | 4,370 |
| Total domestic deposits to total assets | 79.9875% | 4,579 |
| Equity capital to assets | 19.5527% | 220 |
| Core capital (leverage) ratio | 19.1272% | 224 |
| Tier 1 risk-based capital ratio | 31.6635% | 420 |
| Total risk-based capital ratio | 32.9155% | 417 |
| Memoranda: | ||
| Average total assets | $337,369,200 | 1,965 |
| Average earning assets | $325,581,200 | 1,894 |
| Average equity | $63,976,000 | 1,228 |
| Average total loans | $155,807,200 | 2,568 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8554% | 3,750 |
| Cost of funding earning assets | 0.3121% | 3,951 |
| Net interest margin | 3.5433% | 3,298 |
| Noninterest income to average assets | 0.2286% | 5,102 |
| Noninterest expense to average assets | 2.3216% | 4,485 |
| Loan and lease loss provision to assets | 0.1764% | 1,272 |
| Net operating income to assets | 0.9099% | 2,851 |
| Return on assets (ROA) | 0.9099% | 2,984 |
| Pretax return on assets | 1.1530% | 3,030 |
| Return on Equity (ROE) | 4.8343% | 4,586 |
| Retained earnings to average equity (ytd only) | 4.2803% | 3,279 |
| Net charge-offs to loans | 0.5421% | 389 |
| Credit loss provision to net charge-offs | 71.6561% | 2,762 |
| Earnings coverage of net charge-offs (x) | 5.3997% | 3,137 |
| Efficiency ratio | 63.5885% | 3,985 |
| Assets per employee ($millions) | 3.9110% | 4,109 |
| Cash dividends to net income (ytd only)* | 11.4606% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8313% | 956 |
| Loan loss allowance to noncurrent loans | 42.7998% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 2.1571% | 691 |
| Noncurrent loans to loans | 4.2788% | 243 |
| Net loans and leases to total assets | 46.4402% | 5,069 |
| Net loans and leases to deposits | 58.2176% | 4,869 |
| Net loans and leases to core deposits | 65.4668% | 4,645 |
| Total domestic deposits to total assets | 79.7701% | 4,564 |
| Equity capital to assets | 19.6734% | 235 |
| Core capital (leverage) ratio | 18.4262% | 269 |
| Tier 1 risk-based capital ratio | 32.2464% | 404 |
| Total risk-based capital ratio | 33.4988% | 396 |
| Memoranda: | ||
| Average total assets | $340,100,000 | 1,950 |
| Average earning assets | $328,503,250 | 1,886 |
| Average equity | $64,012,750 | 1,233 |
| Average total loans | $154,451,750 | 2,585 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8376% | 3,813 |
| Cost of funding earning assets | 0.3147% | 3,967 |
| Net interest margin | 3.5230% | 3,404 |
| Noninterest income to average assets | 0.2259% | 5,138 |
| Noninterest expense to average assets | 2.2863% | 4,644 |
| Loan and lease loss provision to assets | 0.1751% | 1,254 |
| Net operating income to assets | 0.8948% | 2,888 |
| Return on assets (ROA) | 0.8948% | 3,011 |
| Pretax return on assets | 1.1691% | 2,908 |
| Return on Equity (ROE) | 4.8246% | 4,591 |
| Retained earnings to average equity (ytd only) | 4.2675% | 3,198 |
| Net charge-offs to loans | 0.8520% | 232 |
| Credit loss provision to net charge-offs | 45.8716% | 2,710 |
| Earnings coverage of net charge-offs (x) | 3.5214% | 3,093 |
| Efficiency ratio | 62.9743% | 4,183 |
| Assets per employee ($millions) | 4.1685% | 3,624 |
| Cash dividends to net income (ytd only)* | 11.5460% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 1,352 |
| Loan loss allowance to noncurrent loans | 39.5322% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 2.1409% | 734 |
| Noncurrent loans to loans | 4.2110% | 264 |
| Net loans and leases to total assets | 46.7291% | 5,080 |
| Net loans and leases to deposits | 58.0296% | 4,900 |
| Net loans and leases to core deposits | 68.1319% | 4,463 |
| Total domestic deposits to total assets | 80.5263% | 4,403 |
| Equity capital to assets | 18.9556% | 266 |
| Core capital (leverage) ratio | 17.9400% | 298 |
| Tier 1 risk-based capital ratio | 31.3710% | 442 |
| Total risk-based capital ratio | 32.6220% | 436 |
| Memoranda: | ||
| Average total assets | $342,654,000 | 1,946 |
| Average earning assets | $331,142,330 | 1,872 |
| Average equity | $63,549,670 | 1,243 |
| Average total loans | $153,514,000 | 2,606 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8193% | 3,875 |
| Cost of funding earning assets | 0.3171% | 3,984 |
| Net interest margin | 3.5022% | 3,472 |
| Noninterest income to average assets | 0.2157% | 5,194 |
| Noninterest expense to average assets | 2.2036% | 4,896 |
| Loan and lease loss provision to assets | 0.1749% | 1,166 |
| Net operating income to assets | 0.9211% | 2,642 |
| Return on assets (ROA) | 0.9211% | 2,755 |
| Pretax return on assets | 1.2242% | 2,605 |
| Return on Equity (ROE) | 5.0216% | 4,477 |
| Retained earnings to average equity (ytd only) | 4.4622% | 3,258 |
| Net charge-offs to loans | 1.7121% | 96 |
| Credit loss provision to net charge-offs | 23.5110% | 2,270 |
| Earnings coverage of net charge-offs (x) | 1.8809% | 2,759 |
| Efficiency ratio | 61.1650% | 4,574 |
| Assets per employee ($millions) | 4.0014% | 3,935 |
| Cash dividends to net income (ytd only)* | 11.1392% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6987% | 1,376 |
| Loan loss allowance to noncurrent loans | 30.7380% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 2.5657% | 568 |
| Noncurrent loans to loans | 5.5264% | 165 |
| Net loans and leases to total assets | 43.2180% | 5,288 |
| Net loans and leases to deposits | 53.2719% | 5,148 |
| Net loans and leases to core deposits | 65.0260% | 4,621 |
| Total domestic deposits to total assets | 81.1271% | 4,460 |
| Equity capital to assets | 18.4786% | 293 |
| Core capital (leverage) ratio | 17.7013% | 317 |
| Tier 1 risk-based capital ratio | 32.3806% | 415 |
| Total risk-based capital ratio | 33.6317% | 407 |
| Memoranda: | ||
| Average total assets | $343,073,500 | 1,952 |
| Average earning assets | $331,788,000 | 1,873 |
| Average equity | $62,928,000 | 1,250 |
| Average total loans | $149,055,500 | 2,665 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 4,533 |
| Cost of funding earning assets | 0.3034% | 4,208 |
| Net interest margin | 3.3438% | 4,135 |
| Noninterest income to average assets | 0.2417% | 5,152 |
| Noninterest expense to average assets | 2.1836% | 5,077 |
| Loan and lease loss provision to assets | 0.1074% | 2,199 |
| Net operating income to assets | 0.8857% | 2,951 |
| Return on assets (ROA) | 0.8857% | 3,037 |
| Pretax return on assets | 1.1685% | 2,778 |
| Return on Equity (ROE) | 5.1100% | 4,457 |
| Retained earnings to average equity (ytd only) | 4.5660% | 2,732 |
| Net charge-offs to loans | -0.0925% | 5,752 |
| Credit loss provision to net charge-offs | -310.7438% | 5,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1183% | 4,424 |
| Assets per employee ($millions) | 4.0260% | 3,888 |
| Cash dividends to net income (ytd only)* | 10.6452% | 4,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0829% | 703 |
| Loan loss allowance to noncurrent loans | 37.1748% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 2.5581% | 601 |
| Noncurrent loans to loans | 5.6029% | 160 |
| Net loans and leases to total assets | 42.0095% | 5,407 |
| Net loans and leases to deposits | 51.6190% | 5,302 |
| Net loans and leases to core deposits | 61.7306% | 4,890 |
| Total domestic deposits to total assets | 81.3838% | 4,380 |
| Equity capital to assets | 18.0723% | 308 |
| Core capital (leverage) ratio | 17.2661% | 336 |
| Tier 1 risk-based capital ratio | 32.4793% | 416 |
| Total risk-based capital ratio | 33.7338% | 406 |
| Memoranda: | ||
| Average total assets | $350,022,200 | 1,868 |
| Average earning assets | $336,834,400 | 1,802 |
| Average equity | $60,665,600 | 1,248 |
| Average total loans | $130,848,000 | 2,877 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6034% | 4,733 |
| Cost of funding earning assets | 0.2975% | 4,369 |
| Net interest margin | 3.3058% | 4,318 |
| Noninterest income to average assets | 0.2436% | 5,190 |
| Noninterest expense to average assets | 2.1168% | 5,240 |
| Loan and lease loss provision to assets | 0.0856% | 2,454 |
| Net operating income to assets | 0.9463% | 2,728 |
| Return on assets (ROA) | 0.9463% | 2,832 |
| Pretax return on assets | 1.2190% | 2,736 |
| Return on Equity (ROE) | 5.5169% | 4,396 |
| Retained earnings to average equity (ytd only) | 5.0266% | 2,899 |
| Net charge-offs to loans | -0.2817% | 6,072 |
| Credit loss provision to net charge-offs | -84.3284% | 5,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8689% | 4,596 |
| Assets per employee ($millions) | 4.2962% | 3,324 |
| Cash dividends to net income (ytd only)* | 8.8870% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2016% | 660 |
| Loan loss allowance to noncurrent loans | 62.4744% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 1.6621% | 1,311 |
| Noncurrent loans to loans | 3.5240% | 441 |
| Net loans and leases to total assets | 38.9973% | 5,647 |
| Net loans and leases to deposits | 47.7610% | 5,579 |
| Net loans and leases to core deposits | 57.9822% | 5,193 |
| Total domestic deposits to total assets | 81.6509% | 4,274 |
| Equity capital to assets | 17.7571% | 364 |
| Core capital (leverage) ratio | 16.7524% | 400 |
| Tier 1 risk-based capital ratio | 32.7007% | 424 |
| Total risk-based capital ratio | 33.9557% | 417 |
| Memoranda: | ||
| Average total assets | $351,975,750 | 1,869 |
| Average earning assets | $338,342,750 | 1,809 |
| Average equity | $60,370,750 | 1,266 |
| Average total loans | $126,855,500 | 2,962 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5313% | 4,905 |
| Cost of funding earning assets | 0.2920% | 4,482 |
| Net interest margin | 3.2393% | 4,532 |
| Noninterest income to average assets | 0.2338% | 5,283 |
| Noninterest expense to average assets | 2.0804% | 5,379 |
| Loan and lease loss provision to assets | 0.0747% | 2,620 |
| Net operating income to assets | 0.9046% | 2,852 |
| Return on assets (ROA) | 0.9046% | 2,973 |
| Pretax return on assets | 1.1933% | 2,803 |
| Return on Equity (ROE) | 5.3359% | 4,461 |
| Retained earnings to average equity (ytd only) | 4.8918% | 2,930 |
| Net charge-offs to loans | -0.5159% | 6,209 |
| Credit loss provision to net charge-offs | -41.6404% | 4,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1302% | 4,660 |
| Assets per employee ($millions) | 4.5593% | 2,886 |
| Cash dividends to net income (ytd only)* | 8.3229% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4428% | 515 |
| Loan loss allowance to noncurrent loans | 59.3337% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 1.6132% | 1,492 |
| Noncurrent loans to loans | 4.1171% | 361 |
| Net loans and leases to total assets | 33.8017% | 5,917 |
| Net loans and leases to deposits | 40.9281% | 5,876 |
| Net loans and leases to core deposits | 46.6062% | 5,738 |
| Total domestic deposits to total assets | 82.5879% | 4,094 |
| Equity capital to assets | 16.9129% | 430 |
| Core capital (leverage) ratio | 16.3132% | 426 |
| Tier 1 risk-based capital ratio | 35.0770% | 358 |
| Total risk-based capital ratio | 36.3336% | 359 |
| Memoranda: | ||
| Average total assets | $353,302,330 | 1,878 |
| Average earning assets | $339,702,000 | 1,805 |
| Average equity | $59,896,330 | 1,283 |
| Average total loans | $122,886,000 | 3,040 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5222% | 4,905 |
| Cost of funding earning assets | 0.2837% | 4,626 |
| Net interest margin | 3.2385% | 4,459 |
| Noninterest income to average assets | 0.2056% | 5,485 |
| Noninterest expense to average assets | 2.0515% | 5,482 |
| Loan and lease loss provision to assets | 0.0750% | 2,451 |
| Net operating income to assets | 0.8849% | 2,821 |
| Return on assets (ROA) | 0.8849% | 2,948 |
| Pretax return on assets | 1.1916% | 2,706 |
| Return on Equity (ROE) | 5.2132% | 4,425 |
| Retained earnings to average equity (ytd only) | 4.9188% | 3,102 |
| Net charge-offs to loans | 0.1565% | 1,325 |
| Credit loss provision to net charge-offs | 137.5000% | 1,327 |
| Earnings coverage of net charge-offs (x) | 23.2292% | 1,331 |
| Efficiency ratio | 61.8281% | 4,826 |
| Assets per employee ($millions) | 4.6470% | 2,836 |
| Cash dividends to net income (ytd only)* | 5.6483% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0944% | 932 |
| Loan loss allowance to noncurrent loans | 50.0971% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 1.5729% | 1,639 |
| Noncurrent loans to loans | 4.1806% | 396 |
| Net loans and leases to total assets | 33.6931% | 5,935 |
| Net loans and leases to deposits | 40.7947% | 5,885 |
| Net loans and leases to core deposits | 46.2579% | 5,743 |
| Total domestic deposits to total assets | 82.5919% | 4,307 |
| Equity capital to assets | 16.9048% | 438 |
| Core capital (leverage) ratio | 16.3483% | 426 |
| Tier 1 risk-based capital ratio | 33.9037% | 396 |
| Total risk-based capital ratio | 35.1563% | 389 |
| Memoranda: | ||
| Average total assets | $352,140,000 | 1,890 |
| Average earning assets | $338,428,000 | 1,818 |
| Average equity | $59,771,000 | 1,287 |
| Average total loans | $122,720,000 | 3,044 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7042% | 4,772 |
| Cost of funding earning assets | 0.2809% | 4,995 |
| Net interest margin | 3.4233% | 4,094 |
| Noninterest income to average assets | 0.2480% | 5,351 |
| Noninterest expense to average assets | 2.1013% | 5,568 |
| Loan and lease loss provision to assets | 0.0829% | 2,821 |
| Net operating income to assets | 1.0395% | 2,216 |
| Return on assets (ROA) | 1.0395% | 2,292 |
| Pretax return on assets | 1.3366% | 2,121 |
| Return on Equity (ROE) | 6.3145% | 3,995 |
| Retained earnings to average equity (ytd only) | 5.6892% | 2,137 |
| Net charge-offs to loans | 0.7908% | 444 |
| Credit loss provision to net charge-offs | 29.2835% | 3,844 |
| Earnings coverage of net charge-offs (x) | 5.0114% | 3,519 |
| Efficiency ratio | 59.6825% | 5,265 |
| Assets per employee ($millions) | 4.4953% | 3,048 |
| Cash dividends to net income (ytd only)* | 9.9038% | 4,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2134% | 806 |
| Loan loss allowance to noncurrent loans | 55.8375% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 1.5737% | 1,721 |
| Noncurrent loans to loans | 3.9640% | 473 |
| Net loans and leases to total assets | 34.5510% | 6,016 |
| Net loans and leases to deposits | 41.8222% | 5,975 |
| Net loans and leases to core deposits | 47.5474% | 5,836 |
| Total domestic deposits to total assets | 82.6140% | 4,212 |
| Equity capital to assets | 16.9321% | 425 |
| Core capital (leverage) ratio | 16.3742% | 427 |
| Tier 1 risk-based capital ratio | 34.8190% | 343 |
| Total risk-based capital ratio | 36.0739% | 338 |
| Memoranda: | ||
| Average total assets | $339,972,000 | 1,916 |
| Average earning assets | $325,037,000 | 1,846 |
| Average equity | $55,966,000 | 1,305 |
| Average total loans | $121,771,600 | 3,009 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8138% | 4,492 |
| Cost of funding earning assets | 0.2850% | 5,047 |
| Net interest margin | 3.5288% | 3,721 |
| Noninterest income to average assets | 0.2490% | 5,433 |
| Noninterest expense to average assets | 2.0368% | 5,706 |
| Loan and lease loss provision to assets | 0.0938% | 2,487 |
| Net operating income to assets | 1.1776% | 1,761 |
| Return on assets (ROA) | 1.1776% | 1,832 |
| Pretax return on assets | 1.4888% | 1,679 |
| Return on Equity (ROE) | 7.2058% | 3,606 |
| Retained earnings to average equity (ytd only) | 6.6273% | 2,027 |
| Net charge-offs to loans | 1.1235% | 255 |
| Credit loss provision to net charge-offs | 23.2195% | 3,546 |
| Earnings coverage of net charge-offs (x) | 3.9190% | 3,568 |
| Efficiency ratio | 56.2752% | 5,635 |
| Assets per employee ($millions) | 4.5139% | 2,947 |
| Cash dividends to net income (ytd only)* | 8.0294% | 3,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1297% | 1,047 |
| Loan loss allowance to noncurrent loans | 48.1132% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 1.7799% | 1,680 |
| Noncurrent loans to loans | 4.4265% | 451 |
| Net loans and leases to total assets | 34.8415% | 6,078 |
| Net loans and leases to deposits | 42.1315% | 6,041 |
| Net loans and leases to core deposits | 48.2024% | 5,876 |
| Total domestic deposits to total assets | 82.6971% | 4,235 |
| Equity capital to assets | 16.7659% | 460 |
| Core capital (leverage) ratio | 16.5769% | 412 |
| Tier 1 risk-based capital ratio | 34.7021% | 363 |
| Total risk-based capital ratio | 35.9563% | 357 |
| Memoranda: | ||
| Average total assets | $338,431,250 | 1,929 |
| Average earning assets | $323,239,000 | 1,868 |
| Average equity | $55,305,500 | 1,325 |
| Average total loans | $121,639,500 | 3,028 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8074% | 4,501 |
| Cost of funding earning assets | 0.2843% | 5,139 |
| Net interest margin | 3.5232% | 3,687 |
| Noninterest income to average assets | 0.2416% | 5,463 |
| Noninterest expense to average assets | 2.0339% | 5,767 |
| Loan and lease loss provision to assets | 0.1021% | 2,314 |
| Net operating income to assets | 1.0959% | 1,963 |
| Return on assets (ROA) | 1.0959% | 2,022 |
| Pretax return on assets | 1.4681% | 1,642 |
| Return on Equity (ROE) | 6.7658% | 3,738 |
| Retained earnings to average equity (ytd only) | 6.2784% | 2,167 |
| Net charge-offs to loans | 1.5377% | 178 |
| Credit loss provision to net charge-offs | 18.4154% | 3,218 |
| Earnings coverage of net charge-offs (x) | 2.8319% | 3,456 |
| Efficiency ratio | 56.4322% | 5,700 |
| Assets per employee ($millions) | 4.5506% | 2,845 |
| Cash dividends to net income (ytd only)* | 7.2048% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1511% | 1,086 |
| Loan loss allowance to noncurrent loans | 102.6573% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 0.9034% | 3,286 |
| Noncurrent loans to loans | 2.0954% | 1,598 |
| Net loans and leases to total assets | 35.4866% | 6,073 |
| Net loans and leases to deposits | 42.9087% | 6,036 |
| Net loans and leases to core deposits | 49.4664% | 5,827 |
| Total domestic deposits to total assets | 82.7026% | 4,413 |
| Equity capital to assets | 16.7804% | 444 |
| Core capital (leverage) ratio | 16.3023% | 437 |
| Tier 1 risk-based capital ratio | 33.1176% | 406 |
| Total risk-based capital ratio | 34.3717% | 398 |
| Memoranda: | ||
| Average total assets | $336,888,670 | 1,941 |
| Average earning assets | $321,530,330 | 1,871 |
| Average equity | $54,568,330 | 1,334 |
| Average total loans | $121,476,670 | 3,036 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7926% | 4,514 |
| Cost of funding earning assets | 0.2822% | 5,258 |
| Net interest margin | 3.5104% | 3,642 |
| Noninterest income to average assets | 0.2030% | 5,728 |
| Noninterest expense to average assets | 2.0299% | 5,825 |
| Loan and lease loss provision to assets | 0.1781% | 1,355 |
| Net operating income to assets | 1.0268% | 2,096 |
| Return on assets (ROA) | 1.0268% | 2,168 |
| Pretax return on assets | 1.3473% | 1,927 |
| Return on Equity (ROE) | 6.4553% | 3,777 |
| Retained earnings to average equity (ytd only) | 6.1195% | 2,472 |
| Net charge-offs to loans | -0.0231% | 5,423 |
| Credit loss provision to net charge-offs | -2,142.8571% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0952% | 5,745 |
| Assets per employee ($millions) | 4.5689% | 2,857 |
| Cash dividends to net income (ytd only)* | 5.2023% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9279% | 466 |
| Loan loss allowance to noncurrent loans | 119.5616% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 1.0062% | 3,250 |
| Noncurrent loans to loans | 2.4489% | 1,424 |
| Net loans and leases to total assets | 34.2992% | 6,166 |
| Net loans and leases to deposits | 40.9960% | 6,133 |
| Net loans and leases to core deposits | 46.9536% | 5,936 |
| Total domestic deposits to total assets | 83.6648% | 4,394 |
| Equity capital to assets | 15.9182% | 540 |
| Core capital (leverage) ratio | 16.1188% | 467 |
| Tier 1 risk-based capital ratio | 30.6610% | 498 |
| Total risk-based capital ratio | 31.9200% | 492 |
| Memoranda: | ||
| Average total assets | $336,961,000 | 1,945 |
| Average earning assets | $321,787,500 | 1,875 |
| Average equity | $53,599,000 | 1,354 |
| Average total loans | $121,152,000 | 3,049 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9023% | 4,454 |
| Cost of funding earning assets | 0.2876% | 5,690 |
| Net interest margin | 3.6146% | 3,398 |
| Noninterest income to average assets | 0.2614% | 5,476 |
| Noninterest expense to average assets | 1.9817% | 6,062 |
| Loan and lease loss provision to assets | 0.2248% | 1,620 |
| Net operating income to assets | 1.1928% | 1,596 |
| Return on assets (ROA) | 1.1928% | 1,663 |
| Pretax return on assets | 1.5093% | 1,417 |
| Return on Equity (ROE) | 7.5640% | 3,268 |
| Retained earnings to average equity (ytd only) | 6.8378% | 1,511 |
| Net charge-offs to loans | 1.4502% | 335 |
| Credit loss provision to net charge-offs | 40.8942% | 4,025 |
| Earnings coverage of net charge-offs (x) | 3.1543% | 3,945 |
| Efficiency ratio | 53.3317% | 6,191 |
| Assets per employee ($millions) | 4.2469% | 3,364 |
| Cash dividends to net income (ytd only)* | 9.6004% | 4,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7947% | 608 |
| Loan loss allowance to noncurrent loans | 104.4068% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.1254% | 3,146 |
| Noncurrent loans to loans | 2.6768% | 1,375 |
| Net loans and leases to total assets | 35.5735% | 6,222 |
| Net loans and leases to deposits | 42.5113% | 6,200 |
| Net loans and leases to core deposits | 49.0112% | 5,987 |
| Total domestic deposits to total assets | 83.6801% | 4,288 |
| Equity capital to assets | 15.8946% | 542 |
| Core capital (leverage) ratio | 16.0065% | 470 |
| Tier 1 risk-based capital ratio | 32.4396% | 416 |
| Total risk-based capital ratio | 33.6994% | 409 |
| Memoranda: | ||
| Average total assets | $333,596,600 | 1,928 |
| Average earning assets | $318,814,400 | 1,868 |
| Average equity | $52,604,400 | 1,347 |
| Average total loans | $126,466,200 | 2,910 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8715% | 4,605 |
| Cost of funding earning assets | 0.2866% | 5,840 |
| Net interest margin | 3.5848% | 3,515 |
| Noninterest income to average assets | 0.2557% | 5,608 |
| Noninterest expense to average assets | 2.0124% | 5,989 |
| Loan and lease loss provision to assets | 0.2394% | 1,506 |
| Net operating income to assets | 1.1191% | 1,936 |
| Return on assets (ROA) | 1.1191% | 2,006 |
| Pretax return on assets | 1.4319% | 1,828 |
| Return on Equity (ROE) | 7.1111% | 3,585 |
| Retained earnings to average equity (ytd only) | 6.7689% | 1,989 |
| Net charge-offs to loans | 0.1555% | 2,995 |
| Credit loss provision to net charge-offs | 402.6846% | 661 |
| Earnings coverage of net charge-offs (x) | 28.1143% | 1,292 |
| Efficiency ratio | 54.6301% | 6,048 |
| Assets per employee ($millions) | 4.3779% | 3,090 |
| Cash dividends to net income (ytd only)* | 4.8130% | 3,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8407% | 263 |
| Loan loss allowance to noncurrent loans | 98.9946% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.6185% | 2,527 |
| Noncurrent loans to loans | 3.8797% | 924 |
| Net loans and leases to total assets | 36.5640% | 6,254 |
| Net loans and leases to deposits | 43.6133% | 6,224 |
| Net loans and leases to core deposits | 50.1822% | 6,006 |
| Total domestic deposits to total assets | 83.8367% | 4,261 |
| Equity capital to assets | 15.5917% | 616 |
| Core capital (leverage) ratio | 15.7153% | 532 |
| Tier 1 risk-based capital ratio | 31.4876% | 454 |
| Total risk-based capital ratio | 32.7582% | 448 |
| Memoranda: | ||
| Average total assets | $334,181,250 | 1,933 |
| Average earning assets | $319,560,000 | 1,873 |
| Average equity | $52,592,500 | 1,363 |
| Average total loans | $127,775,750 | 2,915 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8127% | 4,782 |
| Cost of funding earning assets | 0.2853% | 5,943 |
| Net interest margin | 3.5274% | 3,666 |
| Noninterest income to average assets | 0.2545% | 5,630 |
| Noninterest expense to average assets | 1.9687% | 6,098 |
| Loan and lease loss provision to assets | 0.2701% | 1,364 |
| Net operating income to assets | 1.0570% | 2,091 |
| Return on assets (ROA) | 1.0570% | 2,205 |
| Pretax return on assets | 1.3925% | 1,957 |
| Return on Equity (ROE) | 6.6954% | 3,775 |
| Retained earnings to average equity (ytd only) | 6.3532% | 2,230 |
| Net charge-offs to loans | -0.0078% | 5,720 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2149% | 6,129 |
| Assets per employee ($millions) | 4.3587% | 3,084 |
| Cash dividends to net income (ytd only)* | 5.1107% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8725% | 282 |
| Loan loss allowance to noncurrent loans | 100.0813% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.6436% | 2,640 |
| Noncurrent loans to loans | 3.8693% | 1,033 |
| Net loans and leases to total assets | 35.9742% | 6,302 |
| Net loans and leases to deposits | 42.6575% | 6,299 |
| Net loans and leases to core deposits | 48.8084% | 6,088 |
| Total domestic deposits to total assets | 84.3326% | 4,183 |
| Equity capital to assets | 15.1247% | 690 |
| Core capital (leverage) ratio | 15.2671% | 568 |
| Tier 1 risk-based capital ratio | 30.6126% | 492 |
| Total risk-based capital ratio | 31.8830% | 490 |
| Memoranda: | ||
| Average total assets | $333,209,330 | 1,949 |
| Average earning assets | $318,990,000 | 1,876 |
| Average equity | $52,603,670 | 1,364 |
| Average total loans | $127,641,330 | 2,927 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9034% | 4,458 |
| Cost of funding earning assets | 0.2853% | 6,072 |
| Net interest margin | 3.6181% | 3,192 |
| Noninterest income to average assets | 0.2304% | 5,811 |
| Noninterest expense to average assets | 1.9186% | 6,249 |
| Loan and lease loss provision to assets | 0.3638% | 891 |
| Net operating income to assets | 1.0539% | 2,022 |
| Return on assets (ROA) | 1.0539% | 2,133 |
| Pretax return on assets | 1.4238% | 1,788 |
| Return on Equity (ROE) | 6.5344% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.1961% | 2,573 |
| Net charge-offs to loans | -0.0156% | 5,613 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7670% | 6,394 |
| Assets per employee ($millions) | 4.3918% | 3,166 |
| Cash dividends to net income (ytd only)* | 5.1784% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7192% | 350 |
| Loan loss allowance to noncurrent loans | 107.5433% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 1.5579% | 2,928 |
| Noncurrent loans to loans | 3.4583% | 1,393 |
| Net loans and leases to total assets | 37.0431% | 6,220 |
| Net loans and leases to deposits | 44.3700% | 6,173 |
| Net loans and leases to core deposits | 50.9704% | 5,899 |
| Total domestic deposits to total assets | 83.4870% | 4,676 |
| Equity capital to assets | 15.9953% | 563 |
| Core capital (leverage) ratio | 15.2920% | 547 |
| Tier 1 risk-based capital ratio | 30.5051% | 511 |
| Total risk-based capital ratio | 31.7748% | 499 |
| Memoranda: | ||
| Average total assets | $329,824,000 | 1,994 |
| Average earning assets | $316,855,500 | 1,916 |
| Average equity | $53,195,000 | 1,363 |
| Average total loans | $127,846,000 | 2,934 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0444% | 5,170 |
| Cost of funding earning assets | 0.3093% | 6,406 |
| Net interest margin | 3.7352% | 3,503 |
| Noninterest income to average assets | 0.2729% | 5,509 |
| Noninterest expense to average assets | 2.0220% | 6,284 |
| Loan and lease loss provision to assets | 0.3714% | 1,764 |
| Net operating income to assets | 1.2094% | 1,573 |
| Return on assets (ROA) | 1.2094% | 1,738 |
| Pretax return on assets | 1.4678% | 1,788 |
| Return on Equity (ROE) | 7.6305% | 3,269 |
| Retained earnings to average equity (ytd only) | 7.1931% | 1,475 |
| Net charge-offs to loans | 0.3399% | 2,935 |
| Credit loss provision to net charge-offs | 276.4977% | 868 |
| Earnings coverage of net charge-offs (x) | 13.6935% | 1,799 |
| Efficiency ratio | 52.3684% | 6,432 |
| Assets per employee ($millions) | 4.2321% | 3,486 |
| Cash dividends to net income (ytd only)* | 5.7318% | 4,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5136% | 421 |
| Loan loss allowance to noncurrent loans | 83.5107% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.8765% | 2,606 |
| Noncurrent loans to loans | 4.2074% | 1,076 |
| Net loans and leases to total assets | 37.6844% | 6,327 |
| Net loans and leases to deposits | 45.2410% | 6,289 |
| Net loans and leases to core deposits | 52.0753% | 6,010 |
| Total domestic deposits to total assets | 83.2970% | 4,602 |
| Equity capital to assets | 16.2645% | 506 |
| Core capital (leverage) ratio | 15.3431% | 526 |
| Tier 1 risk-based capital ratio | 30.5500% | 493 |
| Total risk-based capital ratio | 31.8181% | 484 |
| Memoranda: | ||
| Average total assets | $323,141,600 | 1,994 |
| Average earning assets | $310,427,800 | 1,906 |
| Average equity | $51,215,400 | 1,385 |
| Average total loans | $127,674,200 | 2,921 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 5,305 |
| Cost of funding earning assets | 0.3118% | 6,552 |
| Net interest margin | 3.7529% | 3,533 |
| Noninterest income to average assets | 0.2750% | 5,583 |
| Noninterest expense to average assets | 2.1249% | 6,119 |
| Loan and lease loss provision to assets | 0.3721% | 1,739 |
| Net operating income to assets | 1.1052% | 2,068 |
| Return on assets (ROA) | 1.1052% | 2,259 |
| Pretax return on assets | 1.3864% | 2,279 |
| Return on Equity (ROE) | 7.0199% | 3,804 |
| Retained earnings to average equity (ytd only) | 6.6654% | 2,302 |
| Net charge-offs to loans | -0.0188% | 6,484 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7168% | 6,174 |
| Assets per employee ($millions) | 4.2211% | 3,426 |
| Cash dividends to net income (ytd only)* | 5.0506% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5535% | 442 |
| Loan loss allowance to noncurrent loans | 59.8189% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 2.4632% | 2,149 |
| Noncurrent loans to loans | 5.9405% | 691 |
| Net loans and leases to total assets | 38.6127% | 6,382 |
| Net loans and leases to deposits | 46.3762% | 6,358 |
| Net loans and leases to core deposits | 53.4652% | 6,085 |
| Total domestic deposits to total assets | 83.2596% | 4,538 |
| Equity capital to assets | 16.1158% | 585 |
| Core capital (leverage) ratio | 15.0281% | 603 |
| Tier 1 risk-based capital ratio | 29.0443% | 582 |
| Total risk-based capital ratio | 30.3126% | 571 |
| Memoranda: | ||
| Average total assets | $322,458,250 | 2,016 |
| Average earning assets | $310,044,500 | 1,927 |
| Average equity | $50,768,750 | 1,403 |
| Average total loans | $127,773,750 | 2,959 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1023% | 5,310 |
| Cost of funding earning assets | 0.3153% | 6,668 |
| Net interest margin | 3.7870% | 3,424 |
| Noninterest income to average assets | 0.2798% | 5,572 |
| Noninterest expense to average assets | 2.1331% | 6,171 |
| Loan and lease loss provision to assets | 0.3731% | 1,754 |
| Net operating income to assets | 1.0361% | 2,318 |
| Return on assets (ROA) | 1.0361% | 2,538 |
| Pretax return on assets | 1.4111% | 2,162 |
| Return on Equity (ROE) | 6.6333% | 3,974 |
| Retained earnings to average equity (ytd only) | 6.2749% | 2,519 |
| Net charge-offs to loans | -0.0047% | 6,156 |
| Credit loss provision to net charge-offs | -20,000.0000% | 6,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4531% | 6,278 |
| Assets per employee ($millions) | 4.1016% | 3,662 |
| Cash dividends to net income (ytd only)* | 5.4022% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3348% | 572 |
| Loan loss allowance to noncurrent loans | 61.2770% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 2.2569% | 2,477 |
| Noncurrent loans to loans | 5.4422% | 857 |
| Net loans and leases to total assets | 38.5476% | 6,434 |
| Net loans and leases to deposits | 46.1038% | 6,430 |
| Net loans and leases to core deposits | 53.0542% | 6,158 |
| Total domestic deposits to total assets | 83.6105% | 4,481 |
| Equity capital to assets | 15.7645% | 629 |
| Core capital (leverage) ratio | 14.7397% | 643 |
| Tier 1 risk-based capital ratio | 29.1949% | 558 |
| Total risk-based capital ratio | 30.4600% | 546 |
| Memoranda: | ||
| Average total assets | $321,603,330 | 2,016 |
| Average earning assets | $308,897,000 | 1,934 |
| Average equity | $50,231,670 | 1,410 |
| Average total loans | $126,990,330 | 2,980 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 5,245 |
| Cost of funding earning assets | 0.3284% | 6,734 |
| Net interest margin | 3.8318% | 3,234 |
| Noninterest income to average assets | 0.2484% | 5,865 |
| Noninterest expense to average assets | 2.0999% | 6,274 |
| Loan and lease loss provision to assets | 0.3745% | 1,686 |
| Net operating income to assets | 1.0624% | 2,241 |
| Return on assets (ROA) | 1.0624% | 2,433 |
| Pretax return on assets | 1.4595% | 1,991 |
| Return on Equity (ROE) | 6.8344% | 3,871 |
| Retained earnings to average equity (ytd only) | 6.4730% | 2,709 |
| Net charge-offs to loans | 0.0286% | 4,289 |
| Credit loss provision to net charge-offs | 3,333.3333% | 80 |
| Earnings coverage of net charge-offs (x) | 163.2222% | 221 |
| Efficiency ratio | 53.3799% | 6,403 |
| Assets per employee ($millions) | 4.0980% | 3,803 |
| Cash dividends to net income (ytd only)* | 5.2879% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1756% | 702 |
| Loan loss allowance to noncurrent loans | 51.1911% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 2.5249% | 2,350 |
| Noncurrent loans to loans | 6.2034% | 797 |
| Net loans and leases to total assets | 37.6442% | 6,514 |
| Net loans and leases to deposits | 44.9004% | 6,501 |
| Net loans and leases to core deposits | 51.6431% | 6,230 |
| Total domestic deposits to total assets | 83.8393% | 4,568 |
| Equity capital to assets | 15.5102% | 658 |
| Core capital (leverage) ratio | 14.6792% | 657 |
| Tier 1 risk-based capital ratio | 29.2768% | 561 |
| Total risk-based capital ratio | 30.5420% | 551 |
| Memoranda: | ||
| Average total assets | $320,392,500 | 2,026 |
| Average earning assets | $308,161,500 | 1,940 |
| Average equity | $49,807,000 | 1,413 |
| Average total loans | $125,879,000 | 3,028 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3102% | 5,731 |
| Cost of funding earning assets | 0.4575% | 6,710 |
| Net interest margin | 3.8527% | 3,554 |
| Noninterest income to average assets | 0.2855% | 5,491 |
| Noninterest expense to average assets | 2.1152% | 6,463 |
| Loan and lease loss provision to assets | 0.3832% | 2,695 |
| Net operating income to assets | 1.2119% | 1,482 |
| Return on assets (ROA) | 1.2119% | 1,586 |
| Pretax return on assets | 1.4823% | 1,527 |
| Return on Equity (ROE) | 8.0428% | 2,878 |
| Retained earnings to average equity (ytd only) | 7.3943% | 1,319 |
| Net charge-offs to loans | 0.1187% | 5,198 |
| Credit loss provision to net charge-offs | 851.0638% | 264 |
| Earnings coverage of net charge-offs (x) | 41.4326% | 652 |
| Efficiency ratio | 53.1365% | 6,599 |
| Assets per employee ($millions) | 4.0647% | 3,724 |
| Cash dividends to net income (ytd only)* | 8.0632% | 3,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9438% | 855 |
| Loan loss allowance to noncurrent loans | 60.8939% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 2.0082% | 2,953 |
| Noncurrent loans to loans | 4.8343% | 1,195 |
| Net loans and leases to total assets | 38.5389% | 6,629 |
| Net loans and leases to deposits | 45.9321% | 6,631 |
| Net loans and leases to core deposits | 53.0407% | 6,366 |
| Total domestic deposits to total assets | 83.9041% | 4,352 |
| Equity capital to assets | 15.5818% | 657 |
| Core capital (leverage) ratio | 14.5965% | 693 |
| Tier 1 risk-based capital ratio | 29.2889% | 552 |
| Total risk-based capital ratio | 30.5526% | 542 |
| Memoranda: | ||
| Average total assets | $313,156,600 | 2,050 |
| Average earning assets | $300,360,600 | 1,952 |
| Average equity | $47,185,200 | 1,437 |
| Average total loans | $118,797,000 | 3,203 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3228% | 5,878 |
| Cost of funding earning assets | 0.4893% | 6,744 |
| Net interest margin | 3.8336% | 3,702 |
| Noninterest income to average assets | 0.3011% | 5,458 |
| Noninterest expense to average assets | 2.1508% | 6,394 |
| Loan and lease loss provision to assets | 0.3844% | 2,552 |
| Net operating income to assets | 1.0553% | 2,120 |
| Return on assets (ROA) | 1.0553% | 2,258 |
| Pretax return on assets | 1.4436% | 1,808 |
| Return on Equity (ROE) | 7.0652% | 3,496 |
| Retained earnings to average equity (ytd only) | 6.6706% | 2,151 |
| Net charge-offs to loans | 0.0581% | 5,384 |
| Credit loss provision to net charge-offs | 1,764.7059% | 154 |
| Earnings coverage of net charge-offs (x) | 83.9194% | 428 |
| Efficiency ratio | 54.0575% | 6,479 |
| Assets per employee ($millions) | 4.0909% | 3,654 |
| Cash dividends to net income (ytd only)* | 5.5849% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8016% | 1,029 |
| Loan loss allowance to noncurrent loans | 63.4137% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 1.8220% | 3,361 |
| Noncurrent loans to loans | 4.4180% | 1,469 |
| Net loans and leases to total assets | 38.0109% | 6,770 |
| Net loans and leases to deposits | 45.2401% | 6,779 |
| Net loans and leases to core deposits | 51.2871% | 6,604 |
| Total domestic deposits to total assets | 84.0203% | 4,222 |
| Equity capital to assets | 15.1761% | 806 |
| Core capital (leverage) ratio | 14.2609% | 828 |
| Tier 1 risk-based capital ratio | 29.4409% | 576 |
| Total risk-based capital ratio | 30.7039% | 559 |
| Memoranda: | ||
| Average total assets | $312,185,000 | 2,063 |
| Average earning assets | $299,486,500 | 1,962 |
| Average equity | $46,631,250 | 1,464 |
| Average total loans | $117,023,500 | 3,260 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3236% | 5,944 |
| Cost of funding earning assets | 0.4947% | 6,861 |
| Net interest margin | 3.8289% | 3,650 |
| Noninterest income to average assets | 0.3059% | 5,450 |
| Noninterest expense to average assets | 2.1427% | 6,517 |
| Loan and lease loss provision to assets | 0.3872% | 2,475 |
| Net operating income to assets | 1.0533% | 2,024 |
| Return on assets (ROA) | 1.0533% | 2,123 |
| Pretax return on assets | 1.4528% | 1,660 |
| Return on Equity (ROE) | 7.0906% | 3,410 |
| Retained earnings to average equity (ytd only) | 6.6995% | 2,021 |
| Net charge-offs to loans | 0.0699% | 4,939 |
| Credit loss provision to net charge-offs | 1,500.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 71.2750% | 473 |
| Efficiency ratio | 53.8000% | 6,639 |
| Assets per employee ($millions) | 4.0858% | 3,582 |
| Cash dividends to net income (ytd only)* | 5.5147% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7728% | 1,105 |
| Loan loss allowance to noncurrent loans | 92.6611% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 1.3493% | 4,205 |
| Noncurrent loans to loans | 2.9924% | 2,428 |
| Net loans and leases to total assets | 36.2141% | 6,949 |
| Net loans and leases to deposits | 43.1446% | 6,949 |
| Net loans and leases to core deposits | 49.1164% | 6,804 |
| Total domestic deposits to total assets | 83.9365% | 4,377 |
| Equity capital to assets | 15.2820% | 756 |
| Core capital (leverage) ratio | 14.2053% | 823 |
| Tier 1 risk-based capital ratio | 28.1861% | 649 |
| Total risk-based capital ratio | 29.4461% | 633 |
| Memoranda: | ||
| Average total assets | $309,882,330 | 2,078 |
| Average earning assets | $297,577,000 | 1,989 |
| Average equity | $46,033,000 | 1,468 |
| Average total loans | $114,436,000 | 3,348 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1987% | 6,282 |
| Cost of funding earning assets | 0.5018% | 6,963 |
| Net interest margin | 3.6969% | 4,126 |
| Noninterest income to average assets | 0.2907% | 5,587 |
| Noninterest expense to average assets | 2.1010% | 6,630 |
| Loan and lease loss provision to assets | 0.3876% | 2,245 |
| Net operating income to assets | 0.9905% | 2,213 |
| Return on assets (ROA) | 0.9924% | 2,260 |
| Pretax return on assets | 1.3555% | 1,865 |
| Return on Equity (ROE) | 6.7781% | 3,496 |
| Retained earnings to average equity (ytd only) | 6.3809% | 2,429 |
| Net charge-offs to loans | 0.0843% | 4,107 |
| Credit loss provision to net charge-offs | 1,250.0000% | 315 |
| Earnings coverage of net charge-offs (x) | 56.1250% | 525 |
| Efficiency ratio | 54.6922% | 6,629 |
| Assets per employee ($millions) | 4.1424% | 3,559 |
| Cash dividends to net income (ytd only)* | 5.8594% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5693% | 1,355 |
| Loan loss allowance to noncurrent loans | 86.9164% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 1.4049% | 4,172 |
| Noncurrent loans to loans | 2.9560% | 2,543 |
| Net loans and leases to total assets | 35.2086% | 7,040 |
| Net loans and leases to deposits | 41.5182% | 7,037 |
| Net loans and leases to core deposits | 47.0517% | 6,921 |
| Total domestic deposits to total assets | 84.8028% | 4,127 |
| Equity capital to assets | 14.5200% | 872 |
| Core capital (leverage) ratio | 13.9101% | 875 |
| Tier 1 risk-based capital ratio | 27.3520% | 678 |
| Total risk-based capital ratio | 28.6089% | 660 |
| Memoranda: | ||
| Average total assets | $309,562,000 | 2,098 |
| Average earning assets | $297,330,000 | 2,015 |
| Average equity | $45,322,500 | 1,481 |
| Average total loans | $113,824,000 | 3,393 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7423% | 5,645 |
| Cost of funding earning assets | 0.5749% | 7,171 |
| Net interest margin | 4.1674% | 2,303 |
| Noninterest income to average assets | 0.3292% | 5,434 |
| Noninterest expense to average assets | 2.2788% | 6,416 |
| Loan and lease loss provision to assets | 0.5206% | 3,072 |
| Net operating income to assets | 1.2055% | 1,400 |
| Return on assets (ROA) | 1.2071% | 1,474 |
| Pretax return on assets | 1.5217% | 1,321 |
| Return on Equity (ROE) | 8.1095% | 2,661 |
| Retained earnings to average equity (ytd only) | 7.5919% | 1,119 |
| Net charge-offs to loans | 0.0227% | 6,584 |
| Credit loss provision to net charge-offs | 5,900.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 231.2308% | 103 |
| Efficiency ratio | 52.7618% | 6,922 |
| Assets per employee ($millions) | 4.1122% | 3,557 |
| Cash dividends to net income (ytd only)* | 6.3818% | 3,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3244% | 1,657 |
| Loan loss allowance to noncurrent loans | 65.9935% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.5176% | 4,038 |
| Noncurrent loans to loans | 3.5221% | 2,144 |
| Net loans and leases to total assets | 36.5537% | 7,135 |
| Net loans and leases to deposits | 43.2042% | 7,146 |
| Net loans and leases to core deposits | 49.8086% | 6,987 |
| Total domestic deposits to total assets | 84.6068% | 4,054 |
| Equity capital to assets | 14.7659% | 842 |
| Core capital (leverage) ratio | 13.7455% | 914 |
| Tier 1 risk-based capital ratio | 27.2646% | 659 |
| Total risk-based capital ratio | 28.5202% | 647 |
| Memoranda: | ||
| Average total assets | $294,668,800 | 2,185 |
| Average earning assets | $282,119,600 | 2,093 |
| Average equity | $43,862,400 | 1,520 |
| Average total loans | $114,489,000 | 3,440 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8977% | 5,277 |
| Cost of funding earning assets | 0.5835% | 7,319 |
| Net interest margin | 4.3142% | 1,798 |
| Noninterest income to average assets | 0.3467% | 5,394 |
| Noninterest expense to average assets | 2.3029% | 6,316 |
| Loan and lease loss provision to assets | 0.5630% | 2,691 |
| Net operating income to assets | 1.0842% | 1,948 |
| Return on assets (ROA) | 1.0858% | 2,050 |
| Pretax return on assets | 1.6081% | 1,327 |
| Return on Equity (ROE) | 7.2790% | 3,215 |
| Retained earnings to average equity (ytd only) | 6.8600% | 1,921 |
| Net charge-offs to loans | 0.0070% | 6,569 |
| Credit loss provision to net charge-offs | 20,566.6667% | 12 |
| Earnings coverage of net charge-offs (x) | 792.3138% | 29 |
| Efficiency ratio | 51.4997% | 7,032 |
| Assets per employee ($millions) | 4.0150% | 3,803 |
| Cash dividends to net income (ytd only)* | 5.7562% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0883% | 2,028 |
| Loan loss allowance to noncurrent loans | 55.1363% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 1.5621% | 4,103 |
| Noncurrent loans to loans | 3.7875% | 2,038 |
| Net loans and leases to total assets | 35.4378% | 7,289 |
| Net loans and leases to deposits | 41.8886% | 7,306 |
| Net loans and leases to core deposits | 47.8639% | 7,213 |
| Total domestic deposits to total assets | 84.6003% | 3,829 |
| Equity capital to assets | 14.4137% | 1,044 |
| Core capital (leverage) ratio | 13.7871% | 968 |
| Tier 1 risk-based capital ratio | 26.1378% | 761 |
| Total risk-based capital ratio | 27.3910% | 750 |
| Memoranda: | ||
| Average total assets | $292,260,250 | 2,231 |
| Average earning assets | $279,444,750 | 2,147 |
| Average equity | $43,594,750 | 1,529 |
| Average total loans | $114,641,000 | 3,488 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1532% | 4,178 |
| Cost of funding earning assets | 0.6002% | 7,406 |
| Net interest margin | 4.5530% | 1,099 |
| Noninterest income to average assets | 0.3814% | 5,075 |
| Noninterest expense to average assets | 2.3597% | 6,183 |
| Loan and lease loss provision to assets | 0.6548% | 2,199 |
| Net operating income to assets | 1.1301% | 1,759 |
| Return on assets (ROA) | 1.1301% | 1,826 |
| Pretax return on assets | 1.7119% | 1,039 |
| Return on Equity (ROE) | 7.4838% | 3,119 |
| Retained earnings to average equity (ytd only) | 7.0659% | 1,803 |
| Net charge-offs to loans | 0.0191% | 6,076 |
| Credit loss provision to net charge-offs | 8,490.9091% | 45 |
| Earnings coverage of net charge-offs (x) | 306.9091% | 109 |
| Efficiency ratio | 49.9258% | 7,228 |
| Assets per employee ($millions) | 3.8874% | 4,013 |
| Cash dividends to net income (ytd only)* | 5.5831% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7774% | 2,792 |
| Loan loss allowance to noncurrent loans | 59.5094% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 1.3939% | 4,388 |
| Noncurrent loans to loans | 2.9868% | 2,687 |
| Net loans and leases to total assets | 39.0828% | 7,215 |
| Net loans and leases to deposits | 46.5850% | 7,222 |
| Net loans and leases to core deposits | 53.8639% | 7,046 |
| Total domestic deposits to total assets | 83.8956% | 4,151 |
| Equity capital to assets | 15.1441% | 849 |
| Core capital (leverage) ratio | 14.1364% | 897 |
| Tier 1 risk-based capital ratio | 26.6761% | 723 |
| Total risk-based capital ratio | 27.9275% | 710 |
| Memoranda: | ||
| Average total assets | $285,291,000 | 2,299 |
| Average earning assets | $272,259,330 | 2,215 |
| Average equity | $43,080,000 | 1,542 |
| Average total loans | $115,072,330 | 3,508 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4152% | 2,965 |
| Cost of funding earning assets | 0.6146% | 7,517 |
| Net interest margin | 4.8006% | 645 |
| Noninterest income to average assets | 0.3587% | 5,270 |
| Noninterest expense to average assets | 2.3037% | 6,366 |
| Loan and lease loss provision to assets | 0.9385% | 1,342 |
| Net operating income to assets | 1.0235% | 2,100 |
| Return on assets (ROA) | 1.0235% | 2,159 |
| Pretax return on assets | 1.6898% | 1,079 |
| Return on Equity (ROE) | 6.7883% | 3,458 |
| Retained earnings to average equity (ytd only) | 6.3652% | 2,434 |
| Net charge-offs to loans | -0.0035% | 6,786 |
| Credit loss provision to net charge-offs | -66,200.0000% | 6,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7088% | 7,512 |
| Assets per employee ($millions) | 3.7816% | 4,351 |
| Cash dividends to net income (ytd only)* | 6.2327% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5921% | 3,488 |
| Loan loss allowance to noncurrent loans | 38.4058% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 1.7217% | 3,892 |
| Noncurrent loans to loans | 4.1456% | 1,859 |
| Net loans and leases to total assets | 39.2702% | 7,291 |
| Net loans and leases to deposits | 46.7535% | 7,293 |
| Net loans and leases to core deposits | 54.2664% | 7,091 |
| Total domestic deposits to total assets | 83.9942% | 4,148 |
| Equity capital to assets | 15.0933% | 862 |
| Core capital (leverage) ratio | 14.1610% | 921 |
| Tier 1 risk-based capital ratio | 26.5573% | 734 |
| Total risk-based capital ratio | 27.7473% | 724 |
| Memoranda: | ||
| Average total assets | $282,160,000 | 2,377 |
| Average earning assets | $268,798,500 | 2,287 |
| Average equity | $42,543,500 | 1,573 |
| Average total loans | $114,604,000 | 3,583 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1549% | 5,852 |
| Cost of funding earning assets | 0.8347% | 7,505 |
| Net interest margin | 4.3202% | 1,660 |
| Noninterest income to average assets | 0.3997% | 5,202 |
| Noninterest expense to average assets | 2.4035% | 6,456 |
| Loan and lease loss provision to assets | 0.4915% | 3,919 |
| Net operating income to assets | 1.3002% | 1,035 |
| Return on assets (ROA) | 1.3002% | 1,081 |
| Pretax return on assets | 1.6081% | 949 |
| Return on Equity (ROE) | 8.6814% | 2,130 |
| Retained earnings to average equity (ytd only) | 7.8689% | 737 |
| Net charge-offs to loans | 0.9368% | 2,519 |
| Credit loss provision to net charge-offs | 131.8497% | 3,819 |
| Earnings coverage of net charge-offs (x) | 5.6320% | 2,538 |
| Efficiency ratio | 53.3737% | 7,288 |
| Assets per employee ($millions) | 3.8452% | 4,159 |
| Cash dividends to net income (ytd only)* | 9.3590% | 3,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 6,482 |
| Loan loss allowance to noncurrent loans | 25.0220% | 6,797 |
| Noncurrent assets plus other real estate owned to assets | 1.6897% | 3,831 |
| Noncurrent loans to loans | 3.9232% | 1,895 |
| Net loans and leases to total assets | 40.9294% | 7,308 |
| Net loans and leases to deposits | 48.6216% | 7,332 |
| Net loans and leases to core deposits | 59.9524% | 7,265 |
| Total domestic deposits to total assets | 84.1794% | 3,948 |
| Equity capital to assets | 15.0621% | 891 |
| Core capital (leverage) ratio | 14.2892% | 931 |
| Tier 1 risk-based capital ratio | 26.9256% | 708 |
| Total risk-based capital ratio | 27.7013% | 722 |
| Memoranda: | ||
| Average total assets | $271,190,200 | 2,409 |
| Average earning assets | $257,580,000 | 2,348 |
| Average equity | $40,615,400 | 1,649 |
| Average total loans | $107,924,600 | 3,739 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1912% | 5,915 |
| Cost of funding earning assets | 0.8886% | 7,582 |
| Net interest margin | 4.3026% | 1,723 |
| Noninterest income to average assets | 0.4013% | 5,271 |
| Noninterest expense to average assets | 2.4686% | 6,184 |
| Loan and lease loss provision to assets | 0.2282% | 5,149 |
| Net operating income to assets | 1.2911% | 1,244 |
| Return on assets (ROA) | 1.2911% | 1,313 |
| Pretax return on assets | 1.7896% | 816 |
| Return on Equity (ROE) | 8.6334% | 2,397 |
| Retained earnings to average equity (ytd only) | 7.8374% | 1,186 |
| Net charge-offs to loans | 0.1800% | 4,945 |
| Credit loss provision to net charge-offs | 321.6783% | 1,277 |
| Earnings coverage of net charge-offs (x) | 28.4478% | 967 |
| Efficiency ratio | 55.0249% | 7,112 |
| Assets per employee ($millions) | 3.6581% | 4,523 |
| Cash dividends to net income (ytd only)* | 9.2201% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 5,982 |
| Loan loss allowance to noncurrent loans | 91.8219% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.5198% | 6,162 |
| Noncurrent loans to loans | 1.1491% | 5,022 |
| Net loans and leases to total assets | 38.7599% | 7,521 |
| Net loans and leases to deposits | 46.4468% | 7,554 |
| Net loans and leases to core deposits | 57.5467% | 7,488 |
| Total domestic deposits to total assets | 83.4500% | 3,992 |
| Equity capital to assets | 15.3210% | 925 |
| Core capital (leverage) ratio | 14.2113% | 1,038 |
| Tier 1 risk-based capital ratio | 25.3700% | 865 |
| Total risk-based capital ratio | 26.1133% | 890 |
| Memoranda: | ||
| Average total assets | $268,813,250 | 2,443 |
| Average earning assets | $255,218,000 | 2,383 |
| Average equity | $40,199,500 | 1,686 |
| Average total loans | $105,899,000 | 3,824 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2408% | 5,910 |
| Cost of funding earning assets | 0.9409% | 7,640 |
| Net interest margin | 4.2999% | 1,656 |
| Noninterest income to average assets | 0.3986% | 5,304 |
| Noninterest expense to average assets | 2.4108% | 6,424 |
| Loan and lease loss provision to assets | 0.2247% | 4,782 |
| Net operating income to assets | 1.3185% | 1,191 |
| Return on assets (ROA) | 1.3185% | 1,261 |
| Pretax return on assets | 1.8407% | 785 |
| Return on Equity (ROE) | 8.8916% | 2,399 |
| Retained earnings to average equity (ytd only) | 7.9216% | 1,236 |
| Net charge-offs to loans | -0.0057% | 7,538 |
| Credit loss provision to net charge-offs | -10,000.0000% | 7,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8577% | 7,349 |
| Assets per employee ($millions) | 3.6406% | 4,470 |
| Cash dividends to net income (ytd only)* | 10.9091% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 5,917 |
| Loan loss allowance to noncurrent loans | 84.4009% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 5,923 |
| Noncurrent loans to loans | 1.2429% | 4,724 |
| Net loans and leases to total assets | 39.2135% | 7,585 |
| Net loans and leases to deposits | 46.7687% | 7,609 |
| Net loans and leases to core deposits | 58.1962% | 7,521 |
| Total domestic deposits to total assets | 83.8455% | 3,846 |
| Equity capital to assets | 14.9767% | 1,033 |
| Core capital (leverage) ratio | 14.0491% | 1,128 |
| Tier 1 risk-based capital ratio | 27.3630% | 754 |
| Total risk-based capital ratio | 28.1714% | 766 |
| Memoranda: | ||
| Average total assets | $266,965,670 | 2,468 |
| Average earning assets | $253,168,330 | 2,412 |
| Average equity | $39,588,000 | 1,717 |
| Average total loans | $105,374,000 | 3,882 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2734% | 6,015 |
| Cost of funding earning assets | 1.0150% | 7,649 |
| Net interest margin | 4.2583% | 1,711 |
| Noninterest income to average assets | 0.4004% | 5,207 |
| Noninterest expense to average assets | 2.2999% | 6,539 |
| Loan and lease loss provision to assets | 0.2258% | 4,195 |
| Net operating income to assets | 1.3637% | 1,223 |
| Return on assets (ROA) | 1.3637% | 1,312 |
| Pretax return on assets | 1.9161% | 771 |
| Return on Equity (ROE) | 9.2430% | 2,627 |
| Retained earnings to average equity (ytd only) | 8.3044% | 1,706 |
| Net charge-offs to loans | -0.0344% | 7,589 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7791% | 7,439 |
| Assets per employee ($millions) | 3.6646% | 4,415 |
| Cash dividends to net income (ytd only)* | 10.1545% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 6,648 |
| Loan loss allowance to noncurrent loans | 70.6734% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5944% | 5,698 |
| Noncurrent loans to loans | 1.3031% | 4,371 |
| Net loans and leases to total assets | 38.7209% | 7,629 |
| Net loans and leases to deposits | 46.0219% | 7,660 |
| Net loans and leases to core deposits | 56.9350% | 7,570 |
| Total domestic deposits to total assets | 84.1357% | 3,639 |
| Equity capital to assets | 14.6429% | 1,200 |
| Core capital (leverage) ratio | 13.9404% | 1,201 |
| Tier 1 risk-based capital ratio | 29.0533% | 683 |
| Total risk-based capital ratio | 29.8165% | 698 |
| Memoranda: | ||
| Average total assets | $265,746,000 | 2,499 |
| Average earning assets | $252,211,500 | 2,431 |
| Average equity | $39,208,000 | 1,733 |
| Average total loans | $104,679,500 | 3,914 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7637% | 6,544 |
| Cost of funding earning assets | 1.3228% | 7,824 |
| Net interest margin | 4.4409% | 1,556 |
| Noninterest income to average assets | 0.4044% | 5,431 |
| Noninterest expense to average assets | 2.5090% | 5,966 |
| Loan and lease loss provision to assets | 0.1524% | 5,414 |
| Net operating income to assets | 1.4454% | 1,135 |
| Return on assets (ROA) | 1.4454% | 1,085 |
| Pretax return on assets | 1.9487% | 697 |
| Return on Equity (ROE) | 9.9171% | 2,291 |
| Retained earnings to average equity (ytd only) | 8.6638% | 663 |
| Net charge-offs to loans | 0.2276% | 3,964 |
| Credit loss provision to net charge-offs | 160.5042% | 3,218 |
| Earnings coverage of net charge-offs (x) | 22.1345% | 1,489 |
| Efficiency ratio | 54.4251% | 7,226 |
| Assets per employee ($millions) | 3.4708% | 4,749 |
| Cash dividends to net income (ytd only)* | 12.6380% | 4,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7903% | 7,143 |
| Loan loss allowance to noncurrent loans | 39.8342% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 0.8766% | 4,663 |
| Noncurrent loans to loans | 1.9840% | 2,789 |
| Net loans and leases to total assets | 39.3999% | 7,697 |
| Net loans and leases to deposits | 47.6096% | 7,725 |
| Net loans and leases to core deposits | 59.4424% | 7,606 |
| Total domestic deposits to total assets | 82.7563% | 3,874 |
| Equity capital to assets | 14.8696% | 1,192 |
| Core capital (leverage) ratio | 14.0272% | 1,252 |
| Tier 1 risk-based capital ratio | 28.7687% | 710 |
| Total risk-based capital ratio | 29.4154% | 737 |
| Memoranda: | ||
| Average total assets | $250,734,600 | 2,559 |
| Average earning assets | $237,452,200 | 2,476 |
| Average equity | $36,542,800 | 1,851 |
| Average total loans | $104,560,400 | 3,836 |