Home > State Bank & Trust > Performance and Condition Ratios
State Bank & Trust, 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 | 4.9670% | 2,140 |
| Cost of funding earning assets | 2.6524% | 272 |
| Net interest margin | 2.3146% | 4,249 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 1.9208% | 3,796 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 0.5580% | 3,544 |
| Return on assets (ROA) | 0.4858% | 3,692 |
| Pretax return on assets | 0.5094% | 3,791 |
| Return on Equity (ROE) | 22.2300% | 447 |
| Retained earnings to average equity (ytd only) | 12.5825% | 566 |
| Net charge-offs to loans | 0.0532% | 1,338 |
| Credit loss provision to net charge-offs | 154.6512% | 1,449 |
| Earnings coverage of net charge-offs (x) | 34.5116% | 1,545 |
| Efficiency ratio | 70.2426% | 1,847 |
| Assets per employee ($millions) | 6.5206% | 2,404 |
| Cash dividends to net income (ytd only)* | 43.3973% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 2,274 |
| Loan loss allowance to noncurrent loans | 318.4211% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 2,371 |
| Noncurrent loans to loans | 0.3784% | 1,850 |
| Net loans and leases to total assets | 45.3800% | 3,845 |
| Net loans and leases to deposits | 52.1674% | 3,874 |
| Net loans and leases to core deposits | 79.0707% | 2,764 |
| Total domestic deposits to total assets | 86.9800% | 1,691 |
| Equity capital to assets | 3.1471% | 4,541 |
| Core capital (leverage) ratio | 9.1200% | 3,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $364,739,600 | 2,136 |
| Average earning assets | $346,145,600 | 2,108 |
| Average equity | $7,971,400 | 3,927 |
| Average total loans | $161,774,400 | 2,586 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8868% | 2,090 |
| Cost of funding earning assets | 2.5150% | 268 |
| Net interest margin | 2.3717% | 4,261 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 1.8879% | 3,825 |
| Loan and lease loss provision to assets | 0.3100% | 298 |
| Net operating income to assets | 0.6002% | 3,542 |
| Return on assets (ROA) | 0.4477% | 3,873 |
| Pretax return on assets | 0.4639% | 3,971 |
| Return on Equity (ROE) | 23.0900% | 484 |
| Retained earnings to average equity (ytd only) | 11.1171% | 1,143 |
| Net charge-offs to loans | 0.0635% | 1,028 |
| Credit loss provision to net charge-offs | 175.0000% | 1,211 |
| Earnings coverage of net charge-offs (x) | 33.2105% | 1,540 |
| Efficiency ratio | 67.0668% | 2,138 |
| Assets per employee ($millions) | 6.1830% | 2,586 |
| Cash dividends to net income (ytd only)* | 51.8458% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 2,218 |
| Loan loss allowance to noncurrent loans | 188.2514% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 1,802 |
| Noncurrent loans to loans | 0.6533% | 1,258 |
| Net loans and leases to total assets | 45.5000% | 3,852 |
| Net loans and leases to deposits | 51.3755% | 3,890 |
| Net loans and leases to core deposits | 79.8776% | 2,613 |
| Total domestic deposits to total assets | 88.5700% | 1,386 |
| Equity capital to assets | 0.5705% | 4,586 |
| Core capital (leverage) ratio | 8.8019% | 3,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $363,005,750 | 2,151 |
| Average earning assets | $344,323,250 | 2,114 |
| Average equity | $7,040,000 | 4,043 |
| Average total loans | $159,540,500 | 2,612 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7137% | 2,183 |
| Cost of funding earning assets | 2.3289% | 259 |
| Net interest margin | 2.3847% | 4,312 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 1.8487% | 3,911 |
| Loan and lease loss provision to assets | 0.4300% | 186 |
| Net operating income to assets | 0.5133% | 3,781 |
| Return on assets (ROA) | 0.4095% | 3,996 |
| Pretax return on assets | 0.4233% | 4,082 |
| Return on Equity (ROE) | 17.0700% | 1,089 |
| Retained earnings to average equity (ytd only) | 5.6827% | 2,732 |
| Net charge-offs to loans | 0.0613% | 935 |
| Credit loss provision to net charge-offs | 204.1667% | 1,041 |
| Earnings coverage of net charge-offs (x) | 36.4375% | 1,457 |
| Efficiency ratio | 65.6992% | 2,277 |
| Assets per employee ($millions) | 6.4336% | 2,347 |
| Cash dividends to net income (ytd only)* | 66.7116% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 2,156 |
| Loan loss allowance to noncurrent loans | 263.7644% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.2098% | 2,142 |
| Noncurrent loans to loans | 0.4756% | 1,521 |
| Net loans and leases to total assets | 43.4600% | 3,901 |
| Net loans and leases to deposits | 49.8217% | 3,922 |
| Net loans and leases to core deposits | 104.4359% | 1,035 |
| Total domestic deposits to total assets | 87.2300% | 1,854 |
| Equity capital to assets | 2.1112% | 4,602 |
| Core capital (leverage) ratio | 8.8198% | 3,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $362,408,000 | 2,158 |
| Average earning assets | $344,021,667 | 2,123 |
| Average equity | $8,693,000 | 3,879 |
| Average total loans | $156,698,333 | 2,626 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5906% | 2,109 |
| Cost of funding earning assets | 2.1391% | 219 |
| Net interest margin | 2.4516% | 4,348 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 1.8822% | 3,890 |
| Loan and lease loss provision to assets | 0.7200% | 96 |
| Net operating income to assets | 0.4419% | 4,016 |
| Return on assets (ROA) | 0.3585% | 4,110 |
| Pretax return on assets | 0.3675% | 4,181 |
| Return on Equity (ROE) | 14.0700% | 1,759 |
| Retained earnings to average equity (ytd only) | 4.0877% | 3,249 |
| Net charge-offs to loans | -0.0523% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.6967% | 2,730 |
| Assets per employee ($millions) | 6.4349% | 2,381 |
| Cash dividends to net income (ytd only)* | 70.9375% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 1,883 |
| Loan loss allowance to noncurrent loans | 207.9803% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4316% | 1,195 |
| Noncurrent loans to loans | 0.6411% | 1,174 |
| Net loans and leases to total assets | 42.5900% | 3,925 |
| Net loans and leases to deposits | 49.7062% | 3,903 |
| Net loans and leases to core deposits | 75.1523% | 2,590 |
| Total domestic deposits to total assets | 85.6900% | 2,679 |
| Equity capital to assets | 2.6917% | 4,612 |
| Core capital (leverage) ratio | 9.0620% | 3,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $357,037,500 | 2,210 |
| Average earning assets | $339,212,000 | 2,175 |
| Average equity | $9,100,500 | 3,883 |
| Average total loans | $152,935,000 | 2,679 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 1,118 |
| Cost of funding earning assets | 1.1136% | 97 |
| Net interest margin | 3.1562% | 3,002 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 1.9441% | 3,738 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.3658% | 1,224 |
| Return on assets (ROA) | 1.3690% | 1,171 |
| Pretax return on assets | 1.4501% | 1,615 |
| Return on Equity (ROE) | 28.1500% | 144 |
| Retained earnings to average equity (ytd only) | 13.0309% | 509 |
| Net charge-offs to loans | 0.0108% | 1,967 |
| Credit loss provision to net charge-offs | 2,100.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 356.0714% | 428 |
| Efficiency ratio | 55.8420% | 3,597 |
| Assets per employee ($millions) | 6.0927% | 2,691 |
| Cash dividends to net income (ytd only)* | 53.7058% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 3,375 |
| Loan loss allowance to noncurrent loans | 155.7429% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 1,789 |
| Noncurrent loans to loans | 0.6432% | 1,152 |
| Net loans and leases to total assets | 42.0600% | 3,975 |
| Net loans and leases to deposits | 48.4168% | 3,961 |
| Net loans and leases to core deposits | 68.8141% | 2,954 |
| Total domestic deposits to total assets | 86.8700% | 2,433 |
| Equity capital to assets | 2.3980% | 4,631 |
| Core capital (leverage) ratio | 9.4833% | 3,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $324,255,000 | 2,330 |
| Average earning assets | $308,001,800 | 2,288 |
| Average equity | $15,770,200 | 3,298 |
| Average total loans | $129,414,200 | 2,832 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1628% | 954 |
| Cost of funding earning assets | 0.9634% | 71 |
| Net interest margin | 3.1995% | 2,623 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 1.9449% | 3,636 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.4646% | 924 |
| Return on assets (ROA) | 1.4685% | 896 |
| Pretax return on assets | 1.5556% | 1,246 |
| Return on Equity (ROE) | 26.5300% | 147 |
| Retained earnings to average equity (ytd only) | 16.3498% | 253 |
| Net charge-offs to loans | 0.0160% | 1,539 |
| Credit loss provision to net charge-offs | 1,333.3333% | 329 |
| Earnings coverage of net charge-offs (x) | 260.4000% | 523 |
| Efficiency ratio | 54.3265% | 3,793 |
| Assets per employee ($millions) | 5.7774% | 2,951 |
| Cash dividends to net income (ytd only)* | 38.3694% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 3,464 |
| Loan loss allowance to noncurrent loans | 106.5485% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 1,389 |
| Noncurrent loans to loans | 0.9420% | 826 |
| Net loans and leases to total assets | 40.7100% | 4,045 |
| Net loans and leases to deposits | 47.2435% | 3,979 |
| Net loans and leases to core deposits | 61.9682% | 3,242 |
| Total domestic deposits to total assets | 86.1700% | 3,028 |
| Equity capital to assets | 1.3307% | 4,683 |
| Core capital (leverage) ratio | 9.7081% | 2,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $318,497,750 | 2,378 |
| Average earning assets | $302,542,750 | 2,343 |
| Average equity | $17,630,750 | 3,186 |
| Average total loans | $124,882,750 | 2,879 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0376% | 882 |
| Cost of funding earning assets | 0.8690% | 68 |
| Net interest margin | 3.1686% | 2,293 |
| Noninterest income to average assets | 0.6652% | 1,480 |
| Noninterest expense to average assets | 1.9465% | 3,580 |
| Loan and lease loss provision to assets | 0.0511% | 1,665 |
| Net operating income to assets | 1.5874% | 565 |
| Return on assets (ROA) | 1.5970% | 538 |
| Pretax return on assets | 1.6928% | 767 |
| Return on Equity (ROE) | 22.6962% | 175 |
| Retained earnings to average equity (ytd only) | 14.4405% | 321 |
| Net charge-offs to loans | 0.0116% | 1,556 |
| Credit loss provision to net charge-offs | 1,142.8571% | 371 |
| Earnings coverage of net charge-offs (x) | 387.5714% | 328 |
| Efficiency ratio | 52.8911% | 4,052 |
| Assets per employee ($millions) | 5.5833% | 3,140 |
| Cash dividends to net income (ytd only)* | 36.3745% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 3,579 |
| Loan loss allowance to noncurrent loans | 88.8811% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.4416% | 1,288 |
| Noncurrent loans to loans | 1.1289% | 722 |
| Net loans and leases to total assets | 38.7234% | 4,133 |
| Net loans and leases to deposits | 44.8049% | 4,078 |
| Net loans and leases to core deposits | 58.0065% | 3,421 |
| Total domestic deposits to total assets | 86.4266% | 3,134 |
| Equity capital to assets | 3.9329% | 4,634 |
| Core capital (leverage) ratio | 9.7658% | 2,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $312,967,333 | 2,424 |
| Average earning assets | $297,798,667 | 2,393 |
| Average equity | $22,021,333 | 2,891 |
| Average total loans | $120,577,667 | 2,939 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9451% | 857 |
| Cost of funding earning assets | 0.8269% | 76 |
| Net interest margin | 3.1181% | 2,116 |
| Noninterest income to average assets | 0.3928% | 2,742 |
| Noninterest expense to average assets | 1.9835% | 3,473 |
| Loan and lease loss provision to assets | 0.0390% | 1,658 |
| Net operating income to assets | 1.2670% | 1,077 |
| Return on assets (ROA) | 1.8600% | 293 |
| Pretax return on assets | 1.9731% | 382 |
| Return on Equity (ROE) | 21.4521% | 180 |
| Retained earnings to average equity (ytd only) | 15.4065% | 265 |
| Net charge-offs to loans | 0.0238% | 1,084 |
| Credit loss provision to net charge-offs | 428.5714% | 564 |
| Earnings coverage of net charge-offs (x) | 151.7143% | 533 |
| Efficiency ratio | 58.9486% | 3,589 |
| Assets per employee ($millions) | 5.2960% | 3,490 |
| Cash dividends to net income (ytd only)* | 28.1818% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 3,703 |
| Loan loss allowance to noncurrent loans | 95.7647% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 1,406 |
| Noncurrent loans to loans | 1.0501% | 864 |
| Net loans and leases to total assets | 38.4681% | 4,095 |
| Net loans and leases to deposits | 43.4548% | 4,096 |
| Net loans and leases to core deposits | 55.5972% | 3,482 |
| Total domestic deposits to total assets | 88.5244% | 2,287 |
| Equity capital to assets | 6.8001% | 4,297 |
| Core capital (leverage) ratio | 9.9418% | 2,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,534,500 | 2,463 |
| Average earning assets | $293,125,500 | 2,431 |
| Average equity | $26,664,000 | 2,672 |
| Average total loans | $117,531,500 | 2,962 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9937% | 1,371 |
| Cost of funding earning assets | 0.8991% | 115 |
| Net interest margin | 3.0946% | 2,917 |
| Noninterest income to average assets | 0.3047% | 3,586 |
| Noninterest expense to average assets | 1.8887% | 3,946 |
| Loan and lease loss provision to assets | 0.0118% | 2,848 |
| Net operating income to assets | 1.2886% | 1,635 |
| Return on assets (ROA) | 1.5224% | 1,006 |
| Pretax return on assets | 1.6033% | 1,412 |
| Return on Equity (ROE) | 13.8371% | 1,232 |
| Retained earnings to average equity (ytd only) | 6.4913% | 2,132 |
| Net charge-offs to loans | 0.0170% | 1,946 |
| Credit loss provision to net charge-offs | 194.4444% | 1,324 |
| Earnings coverage of net charge-offs (x) | 224.8889% | 497 |
| Efficiency ratio | 57.9778% | 3,448 |
| Assets per employee ($millions) | 5.3089% | 3,464 |
| Cash dividends to net income (ytd only)* | 53.0875% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 3,550 |
| Loan loss allowance to noncurrent loans | 98.7634% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4051% | 1,613 |
| Noncurrent loans to loans | 1.0674% | 908 |
| Net loans and leases to total assets | 37.1590% | 4,239 |
| Net loans and leases to deposits | 46.6962% | 4,062 |
| Net loans and leases to core deposits | 60.3333% | 3,292 |
| Total domestic deposits to total assets | 79.5760% | 4,259 |
| Equity capital to assets | 10.6013% | 2,085 |
| Core capital (leverage) ratio | 10.0591% | 2,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,711,600 | 2,453 |
| Average earning assets | $282,170,400 | 2,423 |
| Average equity | $32,535,800 | 2,405 |
| Average total loans | $106,061,600 | 3,125 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0613% | 1,398 |
| Cost of funding earning assets | 0.9221% | 127 |
| Net interest margin | 3.1393% | 2,940 |
| Noninterest income to average assets | 0.2998% | 3,638 |
| Noninterest expense to average assets | 1.8472% | 4,061 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3724% | 1,620 |
| Return on assets (ROA) | 1.5465% | 1,197 |
| Pretax return on assets | 1.6313% | 1,603 |
| Return on Equity (ROE) | 13.9252% | 1,412 |
| Retained earnings to average equity (ytd only) | 8.7104% | 1,800 |
| Net charge-offs to loans | 0.0115% | 1,900 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 354.7778% | 390 |
| Efficiency ratio | 56.0556% | 3,520 |
| Assets per employee ($millions) | 5.9027% | 2,786 |
| Cash dividends to net income (ytd only)* | 37.4487% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 3,436 |
| Loan loss allowance to noncurrent loans | 88.1203% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4527% | 1,674 |
| Noncurrent loans to loans | 1.2486% | 883 |
| Net loans and leases to total assets | 35.6948% | 4,402 |
| Net loans and leases to deposits | 45.7987% | 4,240 |
| Net loans and leases to core deposits | 57.5151% | 3,661 |
| Total domestic deposits to total assets | 77.9384% | 4,433 |
| Equity capital to assets | 11.3227% | 1,792 |
| Core capital (leverage) ratio | 10.2549% | 2,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,988,250 | 2,481 |
| Average earning assets | $280,526,000 | 2,448 |
| Average equity | $32,649,750 | 2,432 |
| Average total loans | $104,166,250 | 3,186 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7946% | 2,082 |
| Cost of funding earning assets | 0.9444% | 146 |
| Net interest margin | 2.8502% | 3,681 |
| Noninterest income to average assets | 0.2922% | 3,677 |
| Noninterest expense to average assets | 1.7949% | 4,195 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1579% | 2,342 |
| Return on assets (ROA) | 1.3494% | 1,792 |
| Pretax return on assets | 1.4209% | 2,267 |
| Return on Equity (ROE) | 12.2307% | 1,965 |
| Retained earnings to average equity (ytd only) | 7.0877% | 2,399 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5480% | 3,073 |
| Assets per employee ($millions) | 5.3834% | 3,254 |
| Cash dividends to net income (ytd only)* | 42.0495% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 3,307 |
| Loan loss allowance to noncurrent loans | 70.0890% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.5691% | 1,462 |
| Noncurrent loans to loans | 1.6075% | 680 |
| Net loans and leases to total assets | 35.0045% | 4,499 |
| Net loans and leases to deposits | 45.1446% | 4,344 |
| Net loans and leases to core deposits | 56.6043% | 3,854 |
| Total domestic deposits to total assets | 77.5385% | 4,472 |
| Equity capital to assets | 11.1019% | 1,912 |
| Core capital (leverage) ratio | 9.9281% | 2,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,606,667 | 2,480 |
| Average earning assets | $280,400,333 | 2,446 |
| Average equity | $32,394,000 | 2,432 |
| Average total loans | $103,382,000 | 3,213 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6978% | 2,363 |
| Cost of funding earning assets | 0.9684% | 161 |
| Net interest margin | 2.7293% | 3,901 |
| Noninterest income to average assets | 0.2613% | 3,831 |
| Noninterest expense to average assets | 1.7868% | 4,236 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0410% | 2,665 |
| Return on assets (ROA) | 1.1369% | 2,439 |
| Pretax return on assets | 1.1848% | 2,886 |
| Return on Equity (ROE) | 10.3373% | 2,582 |
| Retained earnings to average equity (ytd only) | 5.5107% | 3,058 |
| Net charge-offs to loans | -0.0078% | 3,564 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2201% | 2,721 |
| Assets per employee ($millions) | 5.2736% | 3,364 |
| Cash dividends to net income (ytd only)* | 46.6907% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 3,152 |
| Loan loss allowance to noncurrent loans | 65.2150% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6885% | 1,365 |
| Noncurrent loans to loans | 1.7776% | 657 |
| Net loans and leases to total assets | 34.7740% | 4,559 |
| Net loans and leases to deposits | 43.9812% | 4,419 |
| Net loans and leases to core deposits | 55.5671% | 4,003 |
| Total domestic deposits to total assets | 79.0657% | 4,323 |
| Equity capital to assets | 10.6961% | 2,085 |
| Core capital (leverage) ratio | 9.8131% | 2,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,367,500 | 2,470 |
| Average earning assets | $279,629,500 | 2,440 |
| Average equity | $32,155,500 | 2,433 |
| Average total loans | $102,661,000 | 3,222 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0336% | 2,626 |
| Cost of funding earning assets | 1.2304% | 245 |
| Net interest margin | 2.8033% | 4,263 |
| Noninterest income to average assets | 0.1995% | 4,283 |
| Noninterest expense to average assets | 1.9155% | 4,298 |
| Loan and lease loss provision to assets | 0.0789% | 3,391 |
| Net operating income to assets | 0.8466% | 2,914 |
| Return on assets (ROA) | 1.1735% | 1,752 |
| Pretax return on assets | 1.2450% | 2,175 |
| Return on Equity (ROE) | 10.4607% | 1,825 |
| Retained earnings to average equity (ytd only) | 5.4046% | 2,094 |
| Net charge-offs to loans | 0.1108% | 1,363 |
| Credit loss provision to net charge-offs | 196.3303% | 2,179 |
| Earnings coverage of net charge-offs (x) | 24.2844% | 1,779 |
| Efficiency ratio | 66.2416% | 2,495 |
| Assets per employee ($millions) | 5.1699% | 3,200 |
| Cash dividends to net income (ytd only)* | 48.3344% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 3,237 |
| Loan loss allowance to noncurrent loans | 69.6344% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.6397% | 1,642 |
| Noncurrent loans to loans | 1.6422% | 802 |
| Net loans and leases to total assets | 34.6458% | 4,622 |
| Net loans and leases to deposits | 43.3036% | 4,550 |
| Net loans and leases to core deposits | 53.7367% | 4,269 |
| Total domestic deposits to total assets | 80.0068% | 4,038 |
| Equity capital to assets | 11.2958% | 2,023 |
| Core capital (leverage) ratio | 9.8529% | 2,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,159,200 | 2,457 |
| Average earning assets | $260,409,600 | 2,397 |
| Average equity | $30,418,600 | 2,458 |
| Average total loans | $98,382,000 | 3,254 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0365% | 2,872 |
| Cost of funding earning assets | 1.2928% | 251 |
| Net interest margin | 2.7436% | 4,406 |
| Noninterest income to average assets | 0.1955% | 4,304 |
| Noninterest expense to average assets | 1.9496% | 4,256 |
| Loan and lease loss provision to assets | 0.0577% | 3,632 |
| Net operating income to assets | 0.7794% | 3,168 |
| Return on assets (ROA) | 1.0771% | 2,189 |
| Pretax return on assets | 1.1404% | 2,600 |
| Return on Equity (ROE) | 9.6199% | 2,159 |
| Retained earnings to average equity (ytd only) | 4.7673% | 2,663 |
| Net charge-offs to loans | 0.1551% | 945 |
| Credit loss provision to net charge-offs | 101.7699% | 2,610 |
| Earnings coverage of net charge-offs (x) | 15.5221% | 2,098 |
| Efficiency ratio | 68.8621% | 2,065 |
| Assets per employee ($millions) | 5.0306% | 3,212 |
| Cash dividends to net income (ytd only)* | 50.4433% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 3,597 |
| Loan loss allowance to noncurrent loans | 62.3121% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 0.7114% | 1,639 |
| Noncurrent loans to loans | 1.6422% | 850 |
| Net loans and leases to total assets | 37.0128% | 4,641 |
| Net loans and leases to deposits | 46.6873% | 4,584 |
| Net loans and leases to core deposits | 59.3927% | 4,237 |
| Total domestic deposits to total assets | 79.2781% | 4,004 |
| Equity capital to assets | 11.6262% | 1,918 |
| Core capital (leverage) ratio | 9.8085% | 2,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,277,750 | 2,470 |
| Average earning assets | $254,838,000 | 2,419 |
| Average equity | $29,701,500 | 2,491 |
| Average total loans | $97,158,250 | 3,287 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0637% | 3,148 |
| Cost of funding earning assets | 1.3436% | 293 |
| Net interest margin | 2.7201% | 4,537 |
| Noninterest income to average assets | 0.1986% | 4,279 |
| Noninterest expense to average assets | 1.9461% | 4,338 |
| Loan and lease loss provision to assets | 0.0500% | 3,677 |
| Net operating income to assets | 0.7680% | 3,165 |
| Return on assets (ROA) | 0.9823% | 2,521 |
| Pretax return on assets | 1.0385% | 2,903 |
| Return on Equity (ROE) | 8.8968% | 2,401 |
| Retained earnings to average equity (ytd only) | 3.5908% | 3,131 |
| Net charge-offs to loans | 0.2160% | 716 |
| Credit loss provision to net charge-offs | 63.7255% | 2,573 |
| Earnings coverage of net charge-offs (x) | 10.9902% | 2,120 |
| Efficiency ratio | 69.2793% | 2,049 |
| Assets per employee ($millions) | 4.7718% | 3,444 |
| Cash dividends to net income (ytd only)* | 59.6395% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 3,416 |
| Loan loss allowance to noncurrent loans | 55.0609% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.8083% | 1,537 |
| Noncurrent loans to loans | 1.8691% | 739 |
| Net loans and leases to total assets | 36.1033% | 4,720 |
| Net loans and leases to deposits | 45.1573% | 4,673 |
| Net loans and leases to core deposits | 57.0485% | 4,396 |
| Total domestic deposits to total assets | 79.9501% | 3,851 |
| Equity capital to assets | 11.3487% | 2,084 |
| Core capital (leverage) ratio | 10.0190% | 2,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,798,333 | 2,478 |
| Average earning assets | $249,331,333 | 2,427 |
| Average equity | $28,684,333 | 2,537 |
| Average total loans | $94,428,000 | 3,324 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1382% | 3,408 |
| Cost of funding earning assets | 1.3949% | 406 |
| Net interest margin | 2.7433% | 4,625 |
| Noninterest income to average assets | 0.2499% | 4,051 |
| Noninterest expense to average assets | 2.0182% | 4,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8157% | 2,853 |
| Return on assets (ROA) | 1.0425% | 2,128 |
| Pretax return on assets | 1.1030% | 2,513 |
| Return on Equity (ROE) | 9.5893% | 1,881 |
| Retained earnings to average equity (ytd only) | 5.0948% | 2,229 |
| Net charge-offs to loans | 0.3335% | 434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 7.1447% | 1,940 |
| Efficiency ratio | 70.0166% | 2,348 |
| Assets per employee ($millions) | 4.4264% | 3,371 |
| Cash dividends to net income (ytd only)* | 46.8702% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0626% | 3,395 |
| Loan loss allowance to noncurrent loans | 38.6847% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 1.1580% | 1,095 |
| Noncurrent loans to loans | 2.7468% | 420 |
| Net loans and leases to total assets | 36.2669% | 4,770 |
| Net loans and leases to deposits | 45.2913% | 4,738 |
| Net loans and leases to core deposits | 58.0749% | 4,429 |
| Total domestic deposits to total assets | 80.0748% | 3,842 |
| Equity capital to assets | 10.7405% | 3,103 |
| Core capital (leverage) ratio | 10.7527% | 2,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,315,500 | 2,486 |
| Average earning assets | $241,165,000 | 2,436 |
| Average equity | $27,322,000 | 2,618 |
| Average total loans | $91,162,000 | 3,371 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2422% | 3,702 |
| Cost of funding earning assets | 1.4941% | 402 |
| Net interest margin | 2.7481% | 4,793 |
| Noninterest income to average assets | 0.2674% | 4,082 |
| Noninterest expense to average assets | 2.0642% | 4,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7873% | 3,594 |
| Return on assets (ROA) | 0.8194% | 3,583 |
| Pretax return on assets | 0.8627% | 3,845 |
| Return on Equity (ROE) | 7.8269% | 3,234 |
| Retained earnings to average equity (ytd only) | 4.1105% | 2,915 |
| Net charge-offs to loans | 0.2733% | 762 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 8.7729% | 2,733 |
| Efficiency ratio | 71.3491% | 1,969 |
| Assets per employee ($millions) | 4.5537% | 3,154 |
| Cash dividends to net income (ytd only)* | 47.4824% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,321 |
| Loan loss allowance to noncurrent loans | 57.1429% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 0.9166% | 1,390 |
| Noncurrent loans to loans | 2.1345% | 587 |
| Net loans and leases to total assets | 35.4370% | 4,855 |
| Net loans and leases to deposits | 42.6615% | 4,857 |
| Net loans and leases to core deposits | 54.6829% | 4,630 |
| Total domestic deposits to total assets | 83.0655% | 3,170 |
| Equity capital to assets | 11.0085% | 2,988 |
| Core capital (leverage) ratio | 10.7699% | 2,701 |
| Tier 1 risk-based capital ratio | 21.8656% | 1,043 |
| Total risk-based capital ratio | 22.7601% | 1,060 |
| Memoranda: | ||
| Average total assets | $242,368,400 | 2,510 |
| Average earning assets | $231,577,200 | 2,461 |
| Average equity | $25,374,000 | 2,690 |
| Average total loans | $83,782,400 | 3,530 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 3,788 |
| Cost of funding earning assets | 1.5083% | 398 |
| Net interest margin | 2.7498% | 4,892 |
| Noninterest income to average assets | 0.2623% | 4,173 |
| Noninterest expense to average assets | 2.0434% | 4,467 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7989% | 3,678 |
| Return on assets (ROA) | 0.8188% | 3,693 |
| Pretax return on assets | 0.8630% | 3,969 |
| Return on Equity (ROE) | 7.9250% | 3,348 |
| Retained earnings to average equity (ytd only) | 3.9278% | 3,435 |
| Net charge-offs to loans | 0.3177% | 543 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 7.7411% | 2,718 |
| Efficiency ratio | 70.8190% | 1,998 |
| Assets per employee ($millions) | 4.5400% | 3,138 |
| Cash dividends to net income (ytd only)* | 50.4385% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 1,866 |
| Loan loss allowance to noncurrent loans | 66.2283% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 0.8565% | 1,598 |
| Noncurrent loans to loans | 1.9996% | 675 |
| Net loans and leases to total assets | 34.3103% | 4,983 |
| Net loans and leases to deposits | 40.6412% | 4,981 |
| Net loans and leases to core deposits | 51.4810% | 4,806 |
| Total domestic deposits to total assets | 84.4223% | 2,661 |
| Equity capital to assets | 11.4571% | 2,689 |
| Core capital (leverage) ratio | 10.8425% | 2,797 |
| Tier 1 risk-based capital ratio | 22.6593% | 989 |
| Total risk-based capital ratio | 23.6251% | 996 |
| Memoranda: | ||
| Average total assets | $241,485,250 | 2,534 |
| Average earning assets | $230,360,500 | 2,490 |
| Average equity | $24,950,000 | 2,738 |
| Average total loans | $82,674,000 | 3,584 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2758% | 3,714 |
| Cost of funding earning assets | 1.5043% | 378 |
| Net interest margin | 2.7714% | 4,948 |
| Noninterest income to average assets | 0.2531% | 4,239 |
| Noninterest expense to average assets | 2.0391% | 4,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8065% | 3,626 |
| Return on assets (ROA) | 0.8371% | 3,576 |
| Pretax return on assets | 0.8843% | 3,891 |
| Return on Equity (ROE) | 8.4062% | 3,114 |
| Retained earnings to average equity (ytd only) | 3.6549% | 3,427 |
| Net charge-offs to loans | 0.3449% | 488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 7.2535% | 2,503 |
| Efficiency ratio | 70.5293% | 2,147 |
| Assets per employee ($millions) | 4.2544% | 3,494 |
| Cash dividends to net income (ytd only)* | 56.5217% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 1,622 |
| Loan loss allowance to noncurrent loans | 67.3422% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 0.9724% | 1,429 |
| Noncurrent loans to loans | 2.0754% | 672 |
| Net loans and leases to total assets | 33.8348% | 5,031 |
| Net loans and leases to deposits | 38.5969% | 5,069 |
| Net loans and leases to core deposits | 48.9497% | 4,888 |
| Total domestic deposits to total assets | 87.6618% | 1,264 |
| Equity capital to assets | 10.9860% | 3,075 |
| Core capital (leverage) ratio | 10.6279% | 2,955 |
| Tier 1 risk-based capital ratio | 23.3656% | 908 |
| Total risk-based capital ratio | 24.4229% | 905 |
| Memoranda: | ||
| Average total assets | $241,774,000 | 2,542 |
| Average earning assets | $230,134,330 | 2,501 |
| Average equity | $24,077,330 | 2,792 |
| Average total loans | $82,343,670 | 3,610 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2743% | 3,632 |
| Cost of funding earning assets | 1.4728% | 355 |
| Net interest margin | 2.8016% | 4,988 |
| Noninterest income to average assets | 0.2684% | 4,079 |
| Noninterest expense to average assets | 2.0596% | 4,531 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8309% | 3,515 |
| Return on assets (ROA) | 0.8434% | 3,515 |
| Pretax return on assets | 0.8981% | 3,775 |
| Return on Equity (ROE) | 8.9316% | 2,837 |
| Retained earnings to average equity (ytd only) | 3.8429% | 3,382 |
| Net charge-offs to loans | 0.5469% | 273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.7679% | 2,305 |
| Efficiency ratio | 69.9494% | 2,349 |
| Assets per employee ($millions) | 4.2989% | 3,485 |
| Cash dividends to net income (ytd only)* | 56.9745% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 1,456 |
| Loan loss allowance to noncurrent loans | 61.2738% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.0978% | 1,263 |
| Noncurrent loans to loans | 2.3896% | 560 |
| Net loans and leases to total assets | 32.7648% | 5,098 |
| Net loans and leases to deposits | 37.0226% | 5,132 |
| Net loans and leases to core deposits | 46.5620% | 4,970 |
| Total domestic deposits to total assets | 88.4997% | 1,091 |
| Equity capital to assets | 9.9034% | 3,916 |
| Core capital (leverage) ratio | 10.6572% | 2,888 |
| Tier 1 risk-based capital ratio | 22.9188% | 943 |
| Total risk-based capital ratio | 23.9919% | 941 |
| Memoranda: | ||
| Average total assets | $241,411,500 | 2,573 |
| Average earning assets | $230,585,000 | 2,519 |
| Average equity | $22,795,500 | 2,898 |
| Average total loans | $81,909,500 | 3,655 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2534% | 3,265 |
| Cost of funding earning assets | 1.3189% | 201 |
| Net interest margin | 2.9345% | 4,870 |
| Noninterest income to average assets | 0.2714% | 4,291 |
| Noninterest expense to average assets | 2.1418% | 4,465 |
| Loan and lease loss provision to assets | 0.0134% | 3,879 |
| Net operating income to assets | 0.8787% | 3,503 |
| Return on assets (ROA) | 0.8992% | 3,432 |
| Pretax return on assets | 0.9281% | 3,820 |
| Return on Equity (ROE) | 8.5216% | 3,211 |
| Retained earnings to average equity (ytd only) | -14.0095% | 5,356 |
| Net charge-offs to loans | 0.0930% | 1,840 |
| Credit loss provision to net charge-offs | 43.0556% | 3,255 |
| Earnings coverage of net charge-offs (x) | 29.6667% | 1,615 |
| Efficiency ratio | 69.9451% | 2,198 |
| Assets per employee ($millions) | 3.8353% | 4,124 |
| Cash dividends to net income (ytd only)* | 264.3987% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5849% | 1,058 |
| Loan loss allowance to noncurrent loans | 58.9697% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.2452% | 1,034 |
| Noncurrent loans to loans | 2.6876% | 426 |
| Net loans and leases to total assets | 34.0790% | 5,119 |
| Net loans and leases to deposits | 37.5320% | 5,165 |
| Net loans and leases to core deposits | 46.2246% | 5,030 |
| Total domestic deposits to total assets | 90.7997% | 250 |
| Equity capital to assets | 8.9677% | 4,607 |
| Core capital (leverage) ratio | 10.9383% | 2,586 |
| Tier 1 risk-based capital ratio | 23.2756% | 886 |
| Total risk-based capital ratio | 24.4791% | 866 |
| Memoranda: | ||
| Average total assets | $232,094,800 | 2,605 |
| Average earning assets | $220,719,600 | 2,557 |
| Average equity | $24,490,600 | 2,679 |
| Average total loans | $77,413,400 | 3,718 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 3,090 |
| Cost of funding earning assets | 1.3044% | 158 |
| Net interest margin | 2.9614% | 4,904 |
| Noninterest income to average assets | 0.2711% | 4,339 |
| Noninterest expense to average assets | 2.1340% | 4,477 |
| Loan and lease loss provision to assets | 0.0179% | 3,657 |
| Net operating income to assets | 0.8950% | 3,556 |
| Return on assets (ROA) | 0.9289% | 3,405 |
| Pretax return on assets | 0.9693% | 3,820 |
| Return on Equity (ROE) | 8.4748% | 3,345 |
| Retained earnings to average equity (ytd only) | 4.5195% | 3,490 |
| Net charge-offs to loans | 0.0438% | 2,220 |
| Credit loss provision to net charge-offs | 124.0000% | 1,948 |
| Earnings coverage of net charge-offs (x) | 65.8851% | 992 |
| Efficiency ratio | 69.1515% | 2,334 |
| Assets per employee ($millions) | 3.6937% | 4,316 |
| Cash dividends to net income (ytd only)* | 46.6711% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7045% | 858 |
| Loan loss allowance to noncurrent loans | 69.0853% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.1812% | 1,189 |
| Noncurrent loans to loans | 2.4672% | 534 |
| Net loans and leases to total assets | 34.0457% | 5,201 |
| Net loans and leases to deposits | 38.1472% | 5,243 |
| Net loans and leases to core deposits | 44.6253% | 5,151 |
| Total domestic deposits to total assets | 89.2481% | 755 |
| Equity capital to assets | 10.4048% | 3,230 |
| Core capital (leverage) ratio | 12.8014% | 1,366 |
| Tier 1 risk-based capital ratio | 28.2036% | 556 |
| Total risk-based capital ratio | 29.4541% | 547 |
| Memoranda: | ||
| Average total assets | $230,672,000 | 2,618 |
| Average earning assets | $219,260,500 | 2,583 |
| Average equity | $25,282,250 | 2,634 |
| Average total loans | $76,181,750 | 3,779 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2582% | 2,915 |
| Cost of funding earning assets | 1.2834% | 125 |
| Net interest margin | 2.9748% | 4,910 |
| Noninterest income to average assets | 0.2690% | 4,387 |
| Noninterest expense to average assets | 2.1088% | 4,584 |
| Loan and lease loss provision to assets | 0.0268% | 3,381 |
| Net operating income to assets | 0.9155% | 3,392 |
| Return on assets (ROA) | 0.9653% | 3,167 |
| Pretax return on assets | 1.0042% | 3,649 |
| Return on Equity (ROE) | 8.6622% | 3,192 |
| Retained earnings to average equity (ytd only) | 4.3466% | 3,428 |
| Net charge-offs to loans | 0.0426% | 2,014 |
| Credit loss provision to net charge-offs | 193.7500% | 1,334 |
| Earnings coverage of net charge-offs (x) | 70.7500% | 905 |
| Efficiency ratio | 68.2913% | 2,594 |
| Assets per employee ($millions) | 3.5335% | 4,548 |
| Cash dividends to net income (ytd only)* | 49.8208% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7512% | 820 |
| Loan loss allowance to noncurrent loans | 61.5837% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 1.3084% | 1,081 |
| Noncurrent loans to loans | 2.8437% | 415 |
| Net loans and leases to total assets | 33.2448% | 5,262 |
| Net loans and leases to deposits | 37.4098% | 5,293 |
| Net loans and leases to core deposits | 43.5737% | 5,204 |
| Total domestic deposits to total assets | 88.8666% | 987 |
| Equity capital to assets | 10.8831% | 2,749 |
| Core capital (leverage) ratio | 12.6678% | 1,358 |
| Tier 1 risk-based capital ratio | 28.4159% | 539 |
| Total risk-based capital ratio | 29.6671% | 533 |
| Memoranda: | ||
| Average total assets | $231,226,000 | 2,628 |
| Average earning assets | $219,104,670 | 2,591 |
| Average equity | $25,767,000 | 2,609 |
| Average total loans | $75,135,670 | 3,829 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2007% | 2,880 |
| Cost of funding earning assets | 1.2655% | 102 |
| Net interest margin | 2.9352% | 4,980 |
| Noninterest income to average assets | 0.2914% | 4,217 |
| Noninterest expense to average assets | 2.0914% | 4,678 |
| Loan and lease loss provision to assets | 0.0534% | 2,705 |
| Net operating income to assets | 0.9051% | 3,266 |
| Return on assets (ROA) | 0.9017% | 3,288 |
| Pretax return on assets | 0.9224% | 3,776 |
| Return on Equity (ROE) | 7.9992% | 3,369 |
| Retained earnings to average equity (ytd only) | 5.2003% | 3,078 |
| Net charge-offs to loans | 0.0271% | 1,956 |
| Credit loss provision to net charge-offs | 620.0000% | 506 |
| Earnings coverage of net charge-offs (x) | 113.6000% | 552 |
| Efficiency ratio | 68.1078% | 2,809 |
| Assets per employee ($millions) | 3.7316% | 4,371 |
| Cash dividends to net income (ytd only)* | 34.9904% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8600% | 704 |
| Loan loss allowance to noncurrent loans | 65.8349% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.2833% | 1,158 |
| Noncurrent loans to loans | 2.8252% | 443 |
| Net loans and leases to total assets | 31.2895% | 5,337 |
| Net loans and leases to deposits | 35.2401% | 5,375 |
| Net loans and leases to core deposits | 41.0814% | 5,283 |
| Total domestic deposits to total assets | 88.7894% | 1,213 |
| Equity capital to assets | 11.0074% | 2,570 |
| Core capital (leverage) ratio | 12.5242% | 1,379 |
| Tier 1 risk-based capital ratio | 28.7771% | 523 |
| Total risk-based capital ratio | 30.0280% | 522 |
| Memoranda: | ||
| Average total assets | $232,000,000 | 2,649 |
| Average earning assets | $219,676,500 | 2,617 |
| Average equity | $26,152,500 | 2,601 |
| Average total loans | $73,845,000 | 3,882 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0410% | 3,270 |
| Cost of funding earning assets | 1.3262% | 46 |
| Net interest margin | 2.7148% | 5,266 |
| Noninterest income to average assets | 0.1716% | 5,096 |
| Noninterest expense to average assets | 1.9321% | 5,076 |
| Loan and lease loss provision to assets | 0.2136% | 930 |
| Net operating income to assets | 0.5180% | 4,334 |
| Return on assets (ROA) | 0.5594% | 4,223 |
| Pretax return on assets | 0.5884% | 4,763 |
| Return on Equity (ROE) | 4.8003% | 4,245 |
| Retained earnings to average equity (ytd only) | 2.0366% | 4,099 |
| Net charge-offs to loans | 0.6871% | 315 |
| Credit loss provision to net charge-offs | 97.8218% | 2,643 |
| Earnings coverage of net charge-offs (x) | 3.4733% | 3,603 |
| Efficiency ratio | 71.8142% | 2,256 |
| Assets per employee ($millions) | 3.6927% | 4,440 |
| Cash dividends to net income (ytd only)* | 57.5734% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8207% | 753 |
| Loan loss allowance to noncurrent loans | 58.3189% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 1.3678% | 1,035 |
| Noncurrent loans to loans | 3.1220% | 350 |
| Net loans and leases to total assets | 31.1987% | 5,410 |
| Net loans and leases to deposits | 35.3735% | 5,441 |
| Net loans and leases to core deposits | 41.4281% | 5,348 |
| Total domestic deposits to total assets | 88.1980% | 1,397 |
| Equity capital to assets | 11.5364% | 2,174 |
| Core capital (leverage) ratio | 12.2949% | 1,449 |
| Tier 1 risk-based capital ratio | 28.1018% | 536 |
| Total risk-based capital ratio | 29.3524% | 530 |
| Memoranda: | ||
| Average total assets | $231,304,400 | 2,632 |
| Average earning assets | $214,599,600 | 2,624 |
| Average equity | $26,956,600 | 2,549 |
| Average total loans | $73,500,200 | 3,885 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 3,295 |
| Cost of funding earning assets | 1.3332% | 39 |
| Net interest margin | 2.6820% | 5,343 |
| Noninterest income to average assets | 0.1564% | 5,239 |
| Noninterest expense to average assets | 1.8813% | 5,163 |
| Loan and lease loss provision to assets | 0.2442% | 714 |
| Net operating income to assets | 0.4866% | 4,769 |
| Return on assets (ROA) | 0.5420% | 4,639 |
| Pretax return on assets | 0.5669% | 4,897 |
| Return on Equity (ROE) | 4.6393% | 4,656 |
| Retained earnings to average equity (ytd only) | 1.2648% | 4,898 |
| Net charge-offs to loans | 0.2198% | 987 |
| Credit loss provision to net charge-offs | 349.5868% | 865 |
| Earnings coverage of net charge-offs (x) | 10.7851% | 2,560 |
| Efficiency ratio | 71.4067% | 2,301 |
| Assets per employee ($millions) | 3.7406% | 4,394 |
| Cash dividends to net income (ytd only)* | 72.7366% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2745% | 357 |
| Loan loss allowance to noncurrent loans | 59.7838% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.5824% | 941 |
| Noncurrent loans to loans | 3.8046% | 270 |
| Net loans and leases to total assets | 30.7343% | 5,481 |
| Net loans and leases to deposits | 35.0219% | 5,510 |
| Net loans and leases to core deposits | 40.9647% | 5,443 |
| Total domestic deposits to total assets | 87.7574% | 1,495 |
| Equity capital to assets | 11.9515% | 1,996 |
| Core capital (leverage) ratio | 12.1854% | 1,577 |
| Tier 1 risk-based capital ratio | 28.4888% | 540 |
| Total risk-based capital ratio | 29.7436% | 537 |
| Memoranda: | ||
| Average total assets | $230,971,000 | 2,656 |
| Average earning assets | $213,416,500 | 2,654 |
| Average equity | $26,986,250 | 2,564 |
| Average total loans | $73,393,750 | 3,921 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9816% | 3,273 |
| Cost of funding earning assets | 1.3354% | 32 |
| Net interest margin | 2.6462% | 5,410 |
| Noninterest income to average assets | 0.0191% | 5,701 |
| Noninterest expense to average assets | 1.8434% | 5,266 |
| Loan and lease loss provision to assets | 0.0997% | 2,021 |
| Net operating income to assets | 0.4861% | 4,743 |
| Return on assets (ROA) | 0.4994% | 4,742 |
| Pretax return on assets | 0.5211% | 4,972 |
| Return on Equity (ROE) | 4.3078% | 4,730 |
| Retained earnings to average equity (ytd only) | 1.2415% | 4,752 |
| Net charge-offs to loans | 0.2910% | 700 |
| Credit loss provision to net charge-offs | 107.4766% | 1,917 |
| Earnings coverage of net charge-offs (x) | 6.5421% | 2,695 |
| Efficiency ratio | 75.2300% | 1,826 |
| Assets per employee ($millions) | 3.7601% | 4,339 |
| Cash dividends to net income (ytd only)* | 71.1806% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8372% | 819 |
| Loan loss allowance to noncurrent loans | 59.2705% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.3087% | 1,259 |
| Noncurrent loans to loans | 3.0997% | 405 |
| Net loans and leases to total assets | 31.2844% | 5,518 |
| Net loans and leases to deposits | 35.6758% | 5,546 |
| Net loans and leases to core deposits | 41.2703% | 5,464 |
| Total domestic deposits to total assets | 87.6908% | 1,621 |
| Equity capital to assets | 12.0437% | 1,898 |
| Core capital (leverage) ratio | 12.2348% | 1,509 |
| Tier 1 risk-based capital ratio | 27.8607% | 557 |
| Total risk-based capital ratio | 29.1114% | 546 |
| Memoranda: | ||
| Average total assets | $230,654,670 | 2,673 |
| Average earning assets | $211,923,670 | 2,679 |
| Average equity | $26,742,330 | 2,580 |
| Average total loans | $73,545,670 | 3,935 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8822% | 3,456 |
| Cost of funding earning assets | 1.3255% | 31 |
| Net interest margin | 2.5567% | 5,500 |
| Noninterest income to average assets | 0.2110% | 5,002 |
| Noninterest expense to average assets | 1.7958% | 5,380 |
| Loan and lease loss provision to assets | 0.0872% | 2,082 |
| Net operating income to assets | 0.6628% | 3,867 |
| Return on assets (ROA) | 0.6695% | 3,880 |
| Pretax return on assets | 0.6992% | 4,451 |
| Return on Equity (ROE) | 5.8907% | 3,965 |
| Retained earnings to average equity (ytd only) | 2.9453% | 3,938 |
| Net charge-offs to loans | -0.0929% | 5,429 |
| Credit loss provision to net charge-offs | -294.1176% | 4,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7360% | 2,937 |
| Assets per employee ($millions) | 3.7955% | 4,348 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9423% | 741 |
| Loan loss allowance to noncurrent loans | 66.0176% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.4543% | 1,127 |
| Noncurrent loans to loans | 2.9421% | 476 |
| Net loans and leases to total assets | 31.0518% | 5,563 |
| Net loans and leases to deposits | 35.1798% | 5,599 |
| Net loans and leases to core deposits | 40.9938% | 5,491 |
| Total domestic deposits to total assets | 88.2660% | 1,550 |
| Equity capital to assets | 11.4917% | 2,186 |
| Core capital (leverage) ratio | 12.4108% | 1,382 |
| Tier 1 risk-based capital ratio | 28.1434% | 555 |
| Total risk-based capital ratio | 29.3956% | 539 |
| Memoranda: | ||
| Average total assets | $229,419,000 | 2,710 |
| Average earning assets | $212,147,500 | 2,709 |
| Average equity | $26,075,000 | 2,633 |
| Average total loans | $73,170,000 | 3,971 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2544% | 2,297 |
| Cost of funding earning assets | 1.4270% | 21 |
| Net interest margin | 2.8274% | 5,248 |
| Noninterest income to average assets | 0.6491% | 2,422 |
| Noninterest expense to average assets | 1.9732% | 5,246 |
| Loan and lease loss provision to assets | 0.2259% | 963 |
| Net operating income to assets | 0.8715% | 2,973 |
| Return on assets (ROA) | 0.9886% | 2,502 |
| Pretax return on assets | 1.0513% | 3,291 |
| Return on Equity (ROE) | 8.0923% | 2,889 |
| Retained earnings to average equity (ytd only) | 4.6744% | 2,566 |
| Net charge-offs to loans | 0.4991% | 493 |
| Credit loss provision to net charge-offs | 134.4648% | 2,015 |
| Earnings coverage of net charge-offs (x) | 6.8616% | 3,110 |
| Efficiency ratio | 63.1261% | 4,085 |
| Assets per employee ($millions) | 4.0592% | 3,850 |
| Cash dividends to net income (ytd only)* | 42.2360% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8583% | 865 |
| Loan loss allowance to noncurrent loans | 54.5199% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.8287% | 797 |
| Noncurrent loans to loans | 3.4085% | 361 |
| Net loans and leases to total assets | 31.5276% | 5,611 |
| Net loans and leases to deposits | 35.6217% | 5,645 |
| Net loans and leases to core deposits | 41.3789% | 5,560 |
| Total domestic deposits to total assets | 88.5067% | 1,373 |
| Equity capital to assets | 11.2373% | 2,379 |
| Core capital (leverage) ratio | 12.1848% | 1,481 |
| Tier 1 risk-based capital ratio | 28.3029% | 548 |
| Total risk-based capital ratio | 29.5547% | 543 |
| Memoranda: | ||
| Average total assets | $228,009,200 | 2,682 |
| Average earning assets | $199,722,200 | 2,794 |
| Average equity | $27,853,600 | 2,520 |
| Average total loans | $76,733,800 | 3,882 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3453% | 2,014 |
| Cost of funding earning assets | 1.4464% | 21 |
| Net interest margin | 2.8989% | 5,190 |
| Noninterest income to average assets | 0.8005% | 1,762 |
| Noninterest expense to average assets | 2.0165% | 5,167 |
| Loan and lease loss provision to assets | 0.3009% | 559 |
| Net operating income to assets | 0.9312% | 2,746 |
| Return on assets (ROA) | 1.0722% | 2,219 |
| Pretax return on assets | 1.1318% | 3,105 |
| Return on Equity (ROE) | 8.6054% | 2,706 |
| Retained earnings to average equity (ytd only) | 4.4364% | 3,172 |
| Net charge-offs to loans | 0.3794% | 580 |
| Credit loss provision to net charge-offs | 233.0317% | 1,264 |
| Earnings coverage of net charge-offs (x) | 9.9457% | 2,630 |
| Efficiency ratio | 61.0905% | 4,375 |
| Assets per employee ($millions) | 4.2736% | 3,460 |
| Cash dividends to net income (ytd only)* | 48.4466% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0178% | 709 |
| Loan loss allowance to noncurrent loans | 73.0288% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.6990% | 1,001 |
| Noncurrent loans to loans | 2.7630% | 585 |
| Net loans and leases to total assets | 31.9620% | 5,679 |
| Net loans and leases to deposits | 36.8001% | 5,712 |
| Net loans and leases to core deposits | 42.3872% | 5,627 |
| Total domestic deposits to total assets | 86.8531% | 1,960 |
| Equity capital to assets | 12.7439% | 1,624 |
| Core capital (leverage) ratio | 12.0533% | 1,639 |
| Tier 1 risk-based capital ratio | 27.1408% | 630 |
| Total risk-based capital ratio | 28.3937% | 617 |
| Memoranda: | ||
| Average total assets | $228,182,750 | 2,691 |
| Average earning assets | $196,807,750 | 2,833 |
| Average equity | $28,431,000 | 2,501 |
| Average total loans | $77,661,250 | 3,884 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4175% | 1,778 |
| Cost of funding earning assets | 1.4625% | 21 |
| Net interest margin | 2.9550% | 5,163 |
| Noninterest income to average assets | 0.7109% | 2,092 |
| Noninterest expense to average assets | 1.9690% | 5,337 |
| Loan and lease loss provision to assets | 0.4091% | 370 |
| Net operating income to assets | 0.8030% | 3,295 |
| Return on assets (ROA) | 1.0153% | 2,458 |
| Pretax return on assets | 1.0681% | 3,331 |
| Return on Equity (ROE) | 8.2122% | 2,878 |
| Retained earnings to average equity (ytd only) | 4.7038% | 2,920 |
| Net charge-offs to loans | 0.7699% | 262 |
| Credit loss provision to net charge-offs | 153.9735% | 1,559 |
| Earnings coverage of net charge-offs (x) | 4.7185% | 2,951 |
| Efficiency ratio | 61.0975% | 4,496 |
| Assets per employee ($millions) | 4.1720% | 3,615 |
| Cash dividends to net income (ytd only)* | 42.7210% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8136% | 1,059 |
| Loan loss allowance to noncurrent loans | 80.8387% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.6386% | 1,107 |
| Noncurrent loans to loans | 2.2435% | 827 |
| Net loans and leases to total assets | 32.7479% | 5,722 |
| Net loans and leases to deposits | 37.8682% | 5,748 |
| Net loans and leases to core deposits | 44.1104% | 5,623 |
| Total domestic deposits to total assets | 86.4786% | 2,182 |
| Equity capital to assets | 12.9247% | 1,547 |
| Core capital (leverage) ratio | 12.0889% | 1,565 |
| Tier 1 risk-based capital ratio | 25.6540% | 754 |
| Total risk-based capital ratio | 26.9047% | 737 |
| Memoranda: | ||
| Average total assets | $227,318,000 | 2,704 |
| Average earning assets | $193,231,670 | 2,895 |
| Average equity | $28,104,670 | 2,527 |
| Average total loans | $78,455,000 | 3,886 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4831% | 1,557 |
| Cost of funding earning assets | 1.4922% | 16 |
| Net interest margin | 2.9908% | 5,143 |
| Noninterest income to average assets | 1.2535% | 693 |
| Noninterest expense to average assets | 1.9076% | 5,513 |
| Loan and lease loss provision to assets | 0.6630% | 159 |
| Net operating income to assets | 1.1227% | 1,822 |
| Return on assets (ROA) | 1.1227% | 1,921 |
| Pretax return on assets | 1.1810% | 2,778 |
| Return on Equity (ROE) | 9.2943% | 2,287 |
| Retained earnings to average equity (ytd only) | 8.3722% | 1,312 |
| Net charge-offs to loans | 1.4002% | 136 |
| Credit loss provision to net charge-offs | 134.8921% | 1,342 |
| Earnings coverage of net charge-offs (x) | 3.7518% | 2,502 |
| Efficiency ratio | 50.8483% | 5,577 |
| Assets per employee ($millions) | 3.9393% | 4,058 |
| Cash dividends to net income (ytd only)* | 9.9213% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7268% | 1,298 |
| Loan loss allowance to noncurrent loans | 98.4363% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.6448% | 1,196 |
| Noncurrent loans to loans | 1.7543% | 1,266 |
| Net loans and leases to total assets | 32.9280% | 5,755 |
| Net loans and leases to deposits | 37.8066% | 5,783 |
| Net loans and leases to core deposits | 43.8184% | 5,662 |
| Total domestic deposits to total assets | 87.0960% | 2,163 |
| Equity capital to assets | 12.3880% | 1,759 |
| Core capital (leverage) ratio | 12.1789% | 1,506 |
| Tier 1 risk-based capital ratio | 25.3845% | 780 |
| Total risk-based capital ratio | 26.6093% | 770 |
| Memoranda: | ||
| Average total assets | $226,247,500 | 2,722 |
| Average earning assets | $188,976,500 | 2,945 |
| Average equity | $27,328,500 | 2,575 |
| Average total loans | $79,417,000 | 3,875 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6185% | 1,287 |
| Cost of funding earning assets | 1.4450% | 18 |
| Net interest margin | 3.1735% | 4,703 |
| Noninterest income to average assets | 0.3397% | 4,481 |
| Noninterest expense to average assets | 1.9541% | 5,535 |
| Loan and lease loss provision to assets | 1.0738% | 75 |
| Net operating income to assets | 0.0695% | 5,794 |
| Return on assets (ROA) | 0.6502% | 4,134 |
| Pretax return on assets | 0.6740% | 4,602 |
| Return on Equity (ROE) | 5.2844% | 4,379 |
| Retained earnings to average equity (ytd only) | 1.3749% | 4,945 |
| Net charge-offs to loans | 2.8846% | 37 |
| Credit loss provision to net charge-offs | 102.8805% | 2,437 |
| Earnings coverage of net charge-offs (x) | 1.0950% | 4,141 |
| Efficiency ratio | 63.0977% | 4,426 |
| Assets per employee ($millions) | 4.1484% | 3,662 |
| Cash dividends to net income (ytd only)* | 73.9821% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 2,056 |
| Loan loss allowance to noncurrent loans | 29.6323% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 2.7556% | 522 |
| Noncurrent loans to loans | 5.0244% | 188 |
| Net loans and leases to total assets | 36.1820% | 5,703 |
| Net loans and leases to deposits | 41.2362% | 5,733 |
| Net loans and leases to core deposits | 48.0414% | 5,563 |
| Total domestic deposits to total assets | 87.7432% | 1,775 |
| Equity capital to assets | 11.7639% | 2,143 |
| Core capital (leverage) ratio | 11.8966% | 1,683 |
| Tier 1 risk-based capital ratio | 24.6547% | 845 |
| Total risk-based capital ratio | 25.7805% | 843 |
| Memoranda: | ||
| Average total assets | $222,863,200 | 2,726 |
| Average earning assets | $193,634,000 | 2,852 |
| Average equity | $27,420,400 | 2,508 |
| Average total loans | $80,634,000 | 3,806 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5395% | 1,487 |
| Cost of funding earning assets | 1.4158% | 22 |
| Net interest margin | 3.1237% | 4,902 |
| Noninterest income to average assets | 0.3498% | 4,440 |
| Noninterest expense to average assets | 1.9331% | 5,593 |
| Loan and lease loss provision to assets | 0.5948% | 155 |
| Net operating income to assets | 0.5456% | 4,608 |
| Return on assets (ROA) | 0.9537% | 2,788 |
| Pretax return on assets | 1.0004% | 3,612 |
| Return on Equity (ROE) | 7.6664% | 3,245 |
| Retained earnings to average equity (ytd only) | 2.8075% | 4,436 |
| Net charge-offs to loans | 1.6653% | 78 |
| Credit loss provision to net charge-offs | 99.1018% | 2,315 |
| Earnings coverage of net charge-offs (x) | 1.9421% | 3,756 |
| Efficiency ratio | 62.3816% | 4,514 |
| Assets per employee ($millions) | 4.0913% | 3,718 |
| Cash dividends to net income (ytd only)* | 63.3795% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 2,642 |
| Loan loss allowance to noncurrent loans | 24.8218% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 2.8797% | 547 |
| Noncurrent loans to loans | 5.6064% | 161 |
| Net loans and leases to total assets | 36.1818% | 5,775 |
| Net loans and leases to deposits | 41.5679% | 5,818 |
| Net loans and leases to core deposits | 48.7011% | 5,621 |
| Total domestic deposits to total assets | 87.0426% | 2,020 |
| Equity capital to assets | 12.3637% | 1,820 |
| Core capital (leverage) ratio | 12.0995% | 1,618 |
| Tier 1 risk-based capital ratio | 24.1692% | 933 |
| Total risk-based capital ratio | 25.1965% | 936 |
| Memoranda: | ||
| Average total assets | $222,575,250 | 2,751 |
| Average earning assets | $195,876,250 | 2,843 |
| Average equity | $27,687,250 | 2,496 |
| Average total loans | $80,223,000 | 3,850 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5323% | 1,443 |
| Cost of funding earning assets | 1.4038% | 26 |
| Net interest margin | 3.1286% | 4,889 |
| Noninterest income to average assets | 0.3577% | 4,392 |
| Noninterest expense to average assets | 1.9119% | 5,695 |
| Loan and lease loss provision to assets | 0.1063% | 2,057 |
| Net operating income to assets | 1.0432% | 2,166 |
| Return on assets (ROA) | 1.0911% | 2,077 |
| Pretax return on assets | 1.1470% | 2,982 |
| Return on Equity (ROE) | 8.6941% | 2,704 |
| Retained earnings to average equity (ytd only) | 1.9025% | 4,747 |
| Net charge-offs to loans | 0.2258% | 1,134 |
| Credit loss provision to net charge-offs | 131.1111% | 1,685 |
| Earnings coverage of net charge-offs (x) | 14.8333% | 2,027 |
| Efficiency ratio | 61.3827% | 4,777 |
| Assets per employee ($millions) | 3.7162% | 4,391 |
| Cash dividends to net income (ytd only)* | 78.1173% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 2,620 |
| Loan loss allowance to noncurrent loans | 23.9113% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 3.1179% | 515 |
| Noncurrent loans to loans | 5.9745% | 159 |
| Net loans and leases to total assets | 36.7016% | 5,786 |
| Net loans and leases to deposits | 42.0680% | 5,832 |
| Net loans and leases to core deposits | 48.4557% | 5,680 |
| Total domestic deposits to total assets | 87.2436% | 2,041 |
| Equity capital to assets | 12.1733% | 1,895 |
| Core capital (leverage) ratio | 12.0468% | 1,628 |
| Tier 1 risk-based capital ratio | 23.7630% | 983 |
| Total risk-based capital ratio | 24.8164% | 984 |
| Memoranda: | ||
| Average total assets | $221,975,000 | 2,773 |
| Average earning assets | $195,617,330 | 2,864 |
| Average equity | $27,858,000 | 2,494 |
| Average total loans | $79,732,330 | 3,894 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5771% | 1,277 |
| Cost of funding earning assets | 1.4020% | 24 |
| Net interest margin | 3.1750% | 4,692 |
| Noninterest income to average assets | 0.2926% | 4,829 |
| Noninterest expense to average assets | 1.8657% | 5,807 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1640% | 1,655 |
| Return on assets (ROA) | 1.2498% | 1,495 |
| Pretax return on assets | 1.3148% | 2,217 |
| Return on Equity (ROE) | 9.8102% | 2,090 |
| Retained earnings to average equity (ytd only) | 2.0414% | 4,655 |
| Net charge-offs to loans | 0.2305% | 1,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 15.0667% | 1,643 |
| Efficiency ratio | 60.3741% | 5,043 |
| Assets per employee ($millions) | 3.7760% | 4,381 |
| Cash dividends to net income (ytd only)* | 79.1908% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 2,787 |
| Loan loss allowance to noncurrent loans | 78.7129% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.5028% | 1,745 |
| Noncurrent loans to loans | 1.8164% | 1,494 |
| Net loans and leases to total assets | 34.4426% | 5,907 |
| Net loans and leases to deposits | 39.8796% | 5,916 |
| Net loans and leases to core deposits | 45.6355% | 5,770 |
| Total domestic deposits to total assets | 86.3665% | 2,731 |
| Equity capital to assets | 13.0397% | 1,379 |
| Core capital (leverage) ratio | 12.0935% | 1,577 |
| Tier 1 risk-based capital ratio | 25.2316% | 868 |
| Total risk-based capital ratio | 26.2860% | 863 |
| Memoranda: | ||
| Average total assets | $221,477,000 | 2,793 |
| Average earning assets | $195,147,500 | 2,892 |
| Average equity | $28,215,500 | 2,490 |
| Average total loans | $78,088,500 | 3,957 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 1,314 |
| Cost of funding earning assets | 1.4040% | 38 |
| Net interest margin | 3.2937% | 4,591 |
| Noninterest income to average assets | 0.2556% | 5,305 |
| Noninterest expense to average assets | 2.0046% | 5,755 |
| Loan and lease loss provision to assets | 0.1727% | 1,503 |
| Net operating income to assets | 0.9530% | 2,619 |
| Return on assets (ROA) | 1.1292% | 1,925 |
| Pretax return on assets | 1.1872% | 2,709 |
| Return on Equity (ROE) | 9.4779% | 2,351 |
| Retained earnings to average equity (ytd only) | 2.8725% | 4,191 |
| Net charge-offs to loans | 0.1358% | 2,660 |
| Credit loss provision to net charge-offs | 380.4124% | 689 |
| Earnings coverage of net charge-offs (x) | 25.8660% | 1,488 |
| Efficiency ratio | 63.0540% | 4,749 |
| Assets per employee ($millions) | 3.7961% | 4,352 |
| Cash dividends to net income (ytd only)* | 69.6932% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 2,570 |
| Loan loss allowance to noncurrent loans | 85.4613% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.4189% | 1,946 |
| Noncurrent loans to loans | 1.7298% | 1,679 |
| Net loans and leases to total assets | 35.0517% | 5,992 |
| Net loans and leases to deposits | 40.3082% | 6,029 |
| Net loans and leases to core deposits | 46.1976% | 5,884 |
| Total domestic deposits to total assets | 86.9593% | 2,311 |
| Equity capital to assets | 12.4362% | 1,686 |
| Core capital (leverage) ratio | 12.0650% | 1,583 |
| Tier 1 risk-based capital ratio | 24.2362% | 924 |
| Total risk-based capital ratio | 25.2964% | 928 |
| Memoranda: | ||
| Average total assets | $213,611,400 | 2,848 |
| Average earning assets | $189,602,800 | 2,908 |
| Average equity | $25,448,600 | 2,619 |
| Average total loans | $71,407,800 | 4,139 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6474% | 1,440 |
| Cost of funding earning assets | 1.3890% | 42 |
| Net interest margin | 3.2584% | 4,770 |
| Noninterest income to average assets | 0.3082% | 4,976 |
| Noninterest expense to average assets | 2.0254% | 5,727 |
| Loan and lease loss provision to assets | 0.1377% | 1,812 |
| Net operating income to assets | 0.9895% | 2,503 |
| Return on assets (ROA) | 1.0624% | 2,252 |
| Pretax return on assets | 1.1184% | 3,116 |
| Return on Equity (ROE) | 9.0202% | 2,673 |
| Retained earnings to average equity (ytd only) | 1.4580% | 5,314 |
| Net charge-offs to loans | 0.2201% | 1,721 |
| Credit loss provision to net charge-offs | 190.4348% | 1,323 |
| Earnings coverage of net charge-offs (x) | 16.3043% | 1,985 |
| Efficiency ratio | 63.1992% | 4,686 |
| Assets per employee ($millions) | 3.8517% | 4,189 |
| Cash dividends to net income (ytd only)* | 83.8366% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 3,656 |
| Loan loss allowance to noncurrent loans | 64.5372% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 1.5887% | 1,923 |
| Noncurrent loans to loans | 2.0114% | 1,574 |
| Net loans and leases to total assets | 34.2862% | 6,102 |
| Net loans and leases to deposits | 39.3065% | 6,138 |
| Net loans and leases to core deposits | 45.2290% | 5,991 |
| Total domestic deposits to total assets | 87.2279% | 2,181 |
| Equity capital to assets | 12.0761% | 1,992 |
| Core capital (leverage) ratio | 11.9186% | 1,747 |
| Tier 1 risk-based capital ratio | 24.0474% | 983 |
| Total risk-based capital ratio | 24.9626% | 1,002 |
| Memoranda: | ||
| Average total assets | $211,971,250 | 2,884 |
| Average earning assets | $188,431,000 | 2,954 |
| Average equity | $24,965,500 | 2,675 |
| Average total loans | $69,676,750 | 4,233 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5741% | 1,597 |
| Cost of funding earning assets | 1.3603% | 43 |
| Net interest margin | 3.2137% | 4,901 |
| Noninterest income to average assets | 0.2750% | 5,231 |
| Noninterest expense to average assets | 2.0588% | 5,709 |
| Loan and lease loss provision to assets | 0.1642% | 1,500 |
| Net operating income to assets | 0.8720% | 2,950 |
| Return on assets (ROA) | 0.9301% | 2,760 |
| Pretax return on assets | 0.9759% | 3,582 |
| Return on Equity (ROE) | 7.9674% | 3,113 |
| Retained earnings to average equity (ytd only) | -0.1145% | 5,705 |
| Net charge-offs to loans | 0.2727% | 1,451 |
| Credit loss provision to net charge-offs | 186.9565% | 1,233 |
| Earnings coverage of net charge-offs (x) | 12.2826% | 2,074 |
| Efficiency ratio | 65.6117% | 4,417 |
| Assets per employee ($millions) | 3.8089% | 4,233 |
| Cash dividends to net income (ytd only)* | 101.4374% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 3,528 |
| Loan loss allowance to noncurrent loans | 71.0817% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.5978% | 2,050 |
| Noncurrent loans to loans | 1.9175% | 1,778 |
| Net loans and leases to total assets | 32.2001% | 6,235 |
| Net loans and leases to deposits | 36.8211% | 6,273 |
| Net loans and leases to core deposits | 42.5773% | 6,129 |
| Total domestic deposits to total assets | 87.4500% | 2,217 |
| Equity capital to assets | 11.8886% | 2,073 |
| Core capital (leverage) ratio | 12.2637% | 1,518 |
| Tier 1 risk-based capital ratio | 24.7742% | 897 |
| Total risk-based capital ratio | 25.7044% | 915 |
| Memoranda: | ||
| Average total assets | $209,445,330 | 2,921 |
| Average earning assets | $186,573,670 | 2,994 |
| Average equity | $24,449,670 | 2,719 |
| Average total loans | $67,480,670 | 4,314 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5223% | 1,734 |
| Cost of funding earning assets | 1.3697% | 46 |
| Net interest margin | 3.1525% | 5,082 |
| Noninterest income to average assets | 0.1576% | 6,024 |
| Noninterest expense to average assets | 2.0154% | 5,857 |
| Loan and lease loss provision to assets | 0.0973% | 2,301 |
| Net operating income to assets | 0.8272% | 3,019 |
| Return on assets (ROA) | 0.9455% | 2,497 |
| Pretax return on assets | 0.9902% | 3,363 |
| Return on Equity (ROE) | 8.1787% | 2,850 |
| Retained earnings to average equity (ytd only) | 0.0168% | 5,541 |
| Net charge-offs to loans | 0.3466% | 1,032 |
| Credit loss provision to net charge-offs | 87.7193% | 1,822 |
| Earnings coverage of net charge-offs (x) | 8.6842% | 1,999 |
| Efficiency ratio | 67.6682% | 4,234 |
| Assets per employee ($millions) | 3.5875% | 4,750 |
| Cash dividends to net income (ytd only)* | 99.7942% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 3,809 |
| Loan loss allowance to noncurrent loans | 73.5565% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 1.5148% | 2,334 |
| Noncurrent loans to loans | 1.8448% | 2,076 |
| Net loans and leases to total assets | 30.7091% | 6,318 |
| Net loans and leases to deposits | 35.0570% | 6,346 |
| Net loans and leases to core deposits | 38.6822% | 6,285 |
| Total domestic deposits to total assets | 87.5977% | 2,462 |
| Equity capital to assets | 11.7587% | 2,045 |
| Core capital (leverage) ratio | 12.5274% | 1,373 |
| Tier 1 risk-based capital ratio | 26.3522% | 760 |
| Total risk-based capital ratio | 27.2521% | 776 |
| Memoranda: | ||
| Average total assets | $205,614,000 | 2,990 |
| Average earning assets | $183,979,000 | 3,049 |
| Average equity | $23,769,000 | 2,775 |
| Average total loans | $65,783,500 | 4,396 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8605% | 1,176 |
| Cost of funding earning assets | 1.4440% | 59 |
| Net interest margin | 3.4165% | 4,215 |
| Noninterest income to average assets | 0.3954% | 4,482 |
| Noninterest expense to average assets | 1.9569% | 6,095 |
| Loan and lease loss provision to assets | 0.1289% | 2,703 |
| Net operating income to assets | 1.2424% | 1,416 |
| Return on assets (ROA) | 1.2905% | 1,327 |
| Pretax return on assets | 1.3589% | 1,936 |
| Return on Equity (ROE) | 10.3055% | 1,990 |
| Retained earnings to average equity (ytd only) | 3.3069% | 3,881 |
| Net charge-offs to loans | 0.3524% | 1,917 |
| Credit loss provision to net charge-offs | 118.5520% | 2,021 |
| Earnings coverage of net charge-offs (x) | 13.2217% | 2,049 |
| Efficiency ratio | 57.6583% | 5,774 |
| Assets per employee ($millions) | 3.6277% | 4,619 |
| Cash dividends to net income (ytd only)* | 67.9116% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 4,003 |
| Loan loss allowance to noncurrent loans | 45.1350% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 1.9759% | 1,817 |
| Noncurrent loans to loans | 2.9391% | 1,185 |
| Net loans and leases to total assets | 32.4406% | 6,365 |
| Net loans and leases to deposits | 36.8867% | 6,405 |
| Net loans and leases to core deposits | 40.5885% | 6,342 |
| Total domestic deposits to total assets | 87.9465% | 2,205 |
| Equity capital to assets | 11.3565% | 2,285 |
| Core capital (leverage) ratio | 12.8495% | 1,200 |
| Tier 1 risk-based capital ratio | 26.0791% | 768 |
| Total risk-based capital ratio | 26.9769% | 780 |
| Memoranda: | ||
| Average total assets | $203,326,800 | 2,998 |
| Average earning assets | $178,457,400 | 3,092 |
| Average equity | $25,462,200 | 2,589 |
| Average total loans | $62,707,000 | 4,520 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8679% | 1,201 |
| Cost of funding earning assets | 1.4477% | 65 |
| Net interest margin | 3.4202% | 4,207 |
| Noninterest income to average assets | 0.3868% | 4,626 |
| Noninterest expense to average assets | 1.9380% | 6,122 |
| Loan and lease loss provision to assets | 0.1554% | 2,319 |
| Net operating income to assets | 1.2097% | 1,599 |
| Return on assets (ROA) | 1.2738% | 1,489 |
| Pretax return on assets | 1.3440% | 2,150 |
| Return on Equity (ROE) | 9.9409% | 2,208 |
| Retained earnings to average equity (ytd only) | 2.1898% | 5,006 |
| Net charge-offs to loans | 0.2767% | 2,168 |
| Credit loss provision to net charge-offs | 185.1563% | 1,306 |
| Earnings coverage of net charge-offs (x) | 17.0628% | 1,758 |
| Efficiency ratio | 57.5097% | 5,747 |
| Assets per employee ($millions) | 3.7390% | 4,372 |
| Cash dividends to net income (ytd only)* | 77.9723% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5349% | 3,307 |
| Loan loss allowance to noncurrent loans | 53.6860% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 1.8915% | 2,146 |
| Noncurrent loans to loans | 2.8591% | 1,442 |
| Net loans and leases to total assets | 30.3103% | 6,524 |
| Net loans and leases to deposits | 34.5382% | 6,552 |
| Net loans and leases to core deposits | 37.9068% | 6,508 |
| Total domestic deposits to total assets | 87.7588% | 2,268 |
| Equity capital to assets | 11.4314% | 2,353 |
| Core capital (leverage) ratio | 12.6928% | 1,327 |
| Tier 1 risk-based capital ratio | 26.5461% | 740 |
| Total risk-based capital ratio | 27.5461% | 753 |
| Memoranda: | ||
| Average total assets | $203,370,250 | 3,020 |
| Average earning assets | $177,375,000 | 3,140 |
| Average equity | $26,060,000 | 2,577 |
| Average total loans | $61,686,250 | 4,591 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8617% | 1,188 |
| Cost of funding earning assets | 1.4509% | 68 |
| Net interest margin | 3.4108% | 4,159 |
| Noninterest income to average assets | 0.3758% | 4,705 |
| Noninterest expense to average assets | 1.9366% | 6,159 |
| Loan and lease loss provision to assets | 0.1148% | 2,896 |
| Net operating income to assets | 1.2158% | 1,549 |
| Return on assets (ROA) | 1.2214% | 1,641 |
| Pretax return on assets | 1.2891% | 2,341 |
| Return on Equity (ROE) | 9.2042% | 2,537 |
| Retained earnings to average equity (ytd only) | 1.0498% | 5,481 |
| Net charge-offs to loans | 0.3705% | 1,721 |
| Credit loss provision to net charge-offs | 102.6316% | 2,160 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 1,972 |
| Efficiency ratio | 58.0759% | 5,726 |
| Assets per employee ($millions) | 3.7412% | 4,320 |
| Cash dividends to net income (ytd only)* | 88.5944% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 4,163 |
| Loan loss allowance to noncurrent loans | 51.3939% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 1.8186% | 2,386 |
| Noncurrent loans to loans | 2.6689% | 1,715 |
| Net loans and leases to total assets | 30.1821% | 6,571 |
| Net loans and leases to deposits | 34.7278% | 6,585 |
| Net loans and leases to core deposits | 37.9047% | 6,543 |
| Total domestic deposits to total assets | 86.9105% | 2,876 |
| Equity capital to assets | 12.3045% | 1,703 |
| Core capital (leverage) ratio | 12.1985% | 1,508 |
| Tier 1 risk-based capital ratio | 26.6515% | 721 |
| Total risk-based capital ratio | 27.5541% | 731 |
| Memoranda: | ||
| Average total assets | $203,857,670 | 3,020 |
| Average earning assets | $176,851,000 | 3,159 |
| Average equity | $27,053,000 | 2,484 |
| Average total loans | $61,530,670 | 4,621 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8808% | 1,131 |
| Cost of funding earning assets | 1.4797% | 67 |
| Net interest margin | 3.4011% | 4,111 |
| Noninterest income to average assets | 0.3809% | 4,617 |
| Noninterest expense to average assets | 1.8772% | 6,316 |
| Loan and lease loss provision to assets | 0.0781% | 3,334 |
| Net operating income to assets | 1.2274% | 1,440 |
| Return on assets (ROA) | 1.2384% | 1,522 |
| Pretax return on assets | 1.3107% | 2,197 |
| Return on Equity (ROE) | 9.0087% | 2,487 |
| Retained earnings to average equity (ytd only) | 1.2646% | 5,344 |
| Net charge-offs to loans | 0.2150% | 2,131 |
| Credit loss provision to net charge-offs | 121.2121% | 1,587 |
| Earnings coverage of net charge-offs (x) | 21.3636% | 1,159 |
| Efficiency ratio | 57.6831% | 5,889 |
| Assets per employee ($millions) | 3.9082% | 4,144 |
| Cash dividends to net income (ytd only)* | 85.9621% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 4,192 |
| Loan loss allowance to noncurrent loans | 86.4097% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.4025% | 3,171 |
| Noncurrent loans to loans | 1.6290% | 3,096 |
| Net loans and leases to total assets | 28.8105% | 6,642 |
| Net loans and leases to deposits | 33.6368% | 6,649 |
| Net loans and leases to core deposits | 36.2990% | 6,615 |
| Total domestic deposits to total assets | 85.6517% | 3,709 |
| Equity capital to assets | 13.5647% | 1,191 |
| Core capital (leverage) ratio | 12.2751% | 1,432 |
| Tier 1 risk-based capital ratio | 28.1245% | 633 |
| Total risk-based capital ratio | 29.0833% | 636 |
| Memoranda: | ||
| Average total assets | $204,774,500 | 3,039 |
| Average earning assets | $173,003,500 | 3,238 |
| Average equity | $28,150,500 | 2,427 |
| Average total loans | $61,384,500 | 4,653 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5417% | 573 |
| Cost of funding earning assets | 1.6744% | 80 |
| Net interest margin | 3.8673% | 2,956 |
| Noninterest income to average assets | 0.3709% | 4,823 |
| Noninterest expense to average assets | 2.0559% | 6,221 |
| Loan and lease loss provision to assets | 0.1676% | 3,521 |
| Net operating income to assets | 1.1718% | 1,689 |
| Return on assets (ROA) | 1.4949% | 1,021 |
| Pretax return on assets | 1.5723% | 1,457 |
| Return on Equity (ROE) | 9.7187% | 2,300 |
| Retained earnings to average equity (ytd only) | -11.8784% | 6,695 |
| Net charge-offs to loans | 0.5371% | 2,122 |
| Credit loss provision to net charge-offs | 101.7857% | 2,970 |
| Earnings coverage of net charge-offs (x) | 8.5030% | 2,399 |
| Efficiency ratio | 59.4924% | 5,617 |
| Assets per employee ($millions) | 3.8926% | 4,163 |
| Cash dividends to net income (ytd only)* | 222.2222% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3576% | 4,364 |
| Loan loss allowance to noncurrent loans | 63.8218% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 1.5562% | 3,049 |
| Noncurrent loans to loans | 2.1272% | 2,552 |
| Net loans and leases to total assets | 30.3316% | 6,691 |
| Net loans and leases to deposits | 35.5655% | 6,693 |
| Net loans and leases to core deposits | 38.2449% | 6,661 |
| Total domestic deposits to total assets | 85.2838% | 3,719 |
| Equity capital to assets | 13.9337% | 1,078 |
| Core capital (leverage) ratio | 12.0730% | 1,527 |
| Tier 1 risk-based capital ratio | 29.0957% | 554 |
| Total risk-based capital ratio | 30.0830% | 558 |
| Memoranda: | ||
| Average total assets | $204,100,400 | 3,000 |
| Average earning assets | $162,802,400 | 3,334 |
| Average equity | $31,393,000 | 2,177 |
| Average total loans | $62,559,200 | 4,609 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6008% | 554 |
| Cost of funding earning assets | 1.7012% | 86 |
| Net interest margin | 3.8996% | 2,913 |
| Noninterest income to average assets | 0.3827% | 4,762 |
| Noninterest expense to average assets | 2.0183% | 6,324 |
| Loan and lease loss provision to assets | 0.2034% | 3,045 |
| Net operating income to assets | 1.1952% | 1,763 |
| Return on assets (ROA) | 1.2628% | 1,696 |
| Pretax return on assets | 1.3253% | 2,509 |
| Return on Equity (ROE) | 8.0229% | 3,279 |
| Retained earnings to average equity (ytd only) | 1.8473% | 5,412 |
| Net charge-offs to loans | 0.7578% | 1,457 |
| Credit loss provision to net charge-offs | 87.6404% | 3,373 |
| Earnings coverage of net charge-offs (x) | 6.2810% | 2,819 |
| Efficiency ratio | 58.0645% | 5,783 |
| Assets per employee ($millions) | 3.6235% | 4,712 |
| Cash dividends to net income (ytd only)* | 76.9748% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 4,902 |
| Loan loss allowance to noncurrent loans | 71.0456% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.4268% | 3,469 |
| Noncurrent loans to loans | 1.8008% | 3,077 |
| Net loans and leases to total assets | 29.7010% | 6,826 |
| Net loans and leases to deposits | 35.7674% | 6,822 |
| Net loans and leases to core deposits | 38.5767% | 6,788 |
| Total domestic deposits to total assets | 83.0393% | 4,627 |
| Equity capital to assets | 16.1076% | 587 |
| Core capital (leverage) ratio | 14.1185% | 794 |
| Tier 1 risk-based capital ratio | 34.1652% | 382 |
| Total risk-based capital ratio | 35.0992% | 384 |
| Memoranda: | ||
| Average total assets | $204,521,500 | 3,024 |
| Average earning assets | $162,234,500 | 3,384 |
| Average equity | $32,190,250 | 2,155 |
| Average total loans | $62,638,750 | 4,655 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6999% | 482 |
| Cost of funding earning assets | 1.7355% | 88 |
| Net interest margin | 3.9644% | 2,660 |
| Noninterest income to average assets | 0.4091% | 4,585 |
| Noninterest expense to average assets | 2.0152% | 6,401 |
| Loan and lease loss provision to assets | 0.1589% | 3,529 |
| Net operating income to assets | 1.3031% | 1,433 |
| Return on assets (ROA) | 1.3255% | 1,520 |
| Pretax return on assets | 1.3961% | 2,210 |
| Return on Equity (ROE) | 8.4887% | 3,020 |
| Retained earnings to average equity (ytd only) | 1.0242% | 5,668 |
| Net charge-offs to loans | 0.8311% | 1,332 |
| Credit loss provision to net charge-offs | 62.0690% | 3,744 |
| Earnings coverage of net charge-offs (x) | 5.9808% | 2,722 |
| Efficiency ratio | 56.8188% | 6,026 |
| Assets per employee ($millions) | 3.8634% | 4,160 |
| Cash dividends to net income (ytd only)* | 87.9349% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 5,410 |
| Loan loss allowance to noncurrent loans | 77.8947% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.3289% | 3,778 |
| Noncurrent loans to loans | 1.5236% | 3,620 |
| Net loans and leases to total assets | 30.0902% | 6,871 |
| Net loans and leases to deposits | 36.1320% | 6,872 |
| Net loans and leases to core deposits | 38.7140% | 6,846 |
| Total domestic deposits to total assets | 83.2786% | 4,634 |
| Equity capital to assets | 15.9332% | 596 |
| Core capital (leverage) ratio | 14.0480% | 790 |
| Tier 1 risk-based capital ratio | 34.1092% | 373 |
| Total risk-based capital ratio | 34.9858% | 380 |
| Memoranda: | ||
| Average total assets | $203,848,000 | 3,045 |
| Average earning assets | $161,335,000 | 3,397 |
| Average equity | $31,830,670 | 2,159 |
| Average total loans | $62,805,000 | 4,682 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7029% | 517 |
| Cost of funding earning assets | 1.7587% | 103 |
| Net interest margin | 3.9442% | 2,752 |
| Noninterest income to average assets | 0.3953% | 4,709 |
| Noninterest expense to average assets | 1.9844% | 6,493 |
| Loan and lease loss provision to assets | 0.1888% | 3,071 |
| Net operating income to assets | 1.3000% | 1,462 |
| Return on assets (ROA) | 1.3000% | 1,629 |
| Pretax return on assets | 1.3668% | 2,303 |
| Return on Equity (ROE) | 8.4114% | 3,100 |
| Retained earnings to average equity (ytd only) | -1.2980% | 6,195 |
| Net charge-offs to loans | 0.5838% | 1,636 |
| Credit loss provision to net charge-offs | 104.3478% | 2,213 |
| Earnings coverage of net charge-offs (x) | 8.5978% | 1,941 |
| Efficiency ratio | 56.0556% | 6,114 |
| Assets per employee ($millions) | 3.7248% | 4,595 |
| Cash dividends to net income (ytd only)* | 115.4312% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 4,831 |
| Loan loss allowance to noncurrent loans | 45.9150% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 1.7128% | 3,290 |
| Noncurrent loans to loans | 2.9257% | 2,213 |
| Net loans and leases to total assets | 30.2205% | 6,900 |
| Net loans and leases to deposits | 36.0130% | 6,891 |
| Net loans and leases to core deposits | 38.8922% | 6,857 |
| Total domestic deposits to total assets | 83.9157% | 4,530 |
| Equity capital to assets | 15.3844% | 683 |
| Core capital (leverage) ratio | 14.0204% | 801 |
| Tier 1 risk-based capital ratio | 33.3645% | 383 |
| Total risk-based capital ratio | 34.3503% | 385 |
| Memoranda: | ||
| Average total assets | $203,391,500 | 3,068 |
| Average earning assets | $162,162,000 | 3,404 |
| Average equity | $31,433,500 | 2,179 |
| Average total loans | $63,031,000 | 4,697 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9725% | 449 |
| Cost of funding earning assets | 1.9981% | 101 |
| Net interest margin | 3.9744% | 3,007 |
| Noninterest income to average assets | 0.3444% | 5,060 |
| Noninterest expense to average assets | 2.1120% | 6,470 |
| Loan and lease loss provision to assets | 0.1182% | 5,125 |
| Net operating income to assets | 1.2503% | 1,380 |
| Return on assets (ROA) | 1.5667% | 774 |
| Pretax return on assets | 1.6494% | 1,103 |
| Return on Equity (ROE) | 10.5753% | 1,853 |
| Retained earnings to average equity (ytd only) | 6.6616% | 1,661 |
| Net charge-offs to loans | 1.6009% | 991 |
| Credit loss provision to net charge-offs | 22.9084% | 5,881 |
| Earnings coverage of net charge-offs (x) | 2.7799% | 3,834 |
| Efficiency ratio | 59.5507% | 5,823 |
| Assets per employee ($millions) | 3.6713% | 4,611 |
| Cash dividends to net income (ytd only)* | 37.0079% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 4,783 |
| Loan loss allowance to noncurrent loans | 61.3304% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.5075% | 3,688 |
| Noncurrent loans to loans | 2.1609% | 2,994 |
| Net loans and leases to total assets | 30.9377% | 6,976 |
| Net loans and leases to deposits | 36.9709% | 6,977 |
| Net loans and leases to core deposits | 39.8885% | 6,951 |
| Total domestic deposits to total assets | 83.6811% | 4,457 |
| Equity capital to assets | 15.5260% | 671 |
| Core capital (leverage) ratio | 14.1159% | 795 |
| Tier 1 risk-based capital ratio | 31.0719% | 467 |
| Total risk-based capital ratio | 31.9823% | 469 |
| Memoranda: | ||
| Average total assets | $194,552,800 | 3,122 |
| Average earning assets | $156,751,400 | 3,459 |
| Average equity | $28,821,800 | 2,283 |
| Average total loans | $62,715,400 | 4,760 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0192% | 440 |
| Cost of funding earning assets | 2.0456% | 102 |
| Net interest margin | 3.9737% | 3,030 |
| Noninterest income to average assets | 0.4234% | 4,491 |
| Noninterest expense to average assets | 2.1233% | 6,466 |
| Loan and lease loss provision to assets | 0.0761% | 5,498 |
| Net operating income to assets | 1.3526% | 1,259 |
| Return on assets (ROA) | 1.4930% | 1,035 |
| Pretax return on assets | 1.5802% | 1,434 |
| Return on Equity (ROE) | 10.2068% | 2,128 |
| Retained earnings to average equity (ytd only) | 4.8716% | 3,262 |
| Net charge-offs to loans | 1.6259% | 864 |
| Credit loss provision to net charge-offs | 14.4168% | 5,627 |
| Earnings coverage of net charge-offs (x) | 2.8545% | 3,716 |
| Efficiency ratio | 58.4906% | 5,939 |
| Assets per employee ($millions) | 3.6985% | 4,543 |
| Cash dividends to net income (ytd only)* | 52.2706% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 3,914 |
| Loan loss allowance to noncurrent loans | 48.9546% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 1.9692% | 3,181 |
| Noncurrent loans to loans | 3.1471% | 2,209 |
| Net loans and leases to total assets | 30.7189% | 7,067 |
| Net loans and leases to deposits | 36.7868% | 7,064 |
| Net loans and leases to core deposits | 39.5807% | 7,050 |
| Total domestic deposits to total assets | 83.5050% | 4,474 |
| Equity capital to assets | 15.5682% | 708 |
| Core capital (leverage) ratio | 14.0068% | 902 |
| Tier 1 risk-based capital ratio | 30.1574% | 533 |
| Total risk-based capital ratio | 31.2009% | 529 |
| Memoranda: | ||
| Average total assets | $192,711,250 | 3,167 |
| Average earning assets | $155,520,250 | 3,509 |
| Average equity | $28,189,750 | 2,319 |
| Average total loans | $62,567,250 | 4,806 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0474% | 440 |
| Cost of funding earning assets | 2.1289% | 89 |
| Net interest margin | 3.9186% | 3,222 |
| Noninterest income to average assets | 0.4118% | 4,574 |
| Noninterest expense to average assets | 2.1494% | 6,504 |
| Loan and lease loss provision to assets | 0.0368% | 5,859 |
| Net operating income to assets | 1.2715% | 1,393 |
| Return on assets (ROA) | 1.4246% | 1,096 |
| Pretax return on assets | 1.5076% | 1,505 |
| Return on Equity (ROE) | 9.9625% | 2,127 |
| Retained earnings to average equity (ytd only) | 3.7690% | 3,816 |
| Net charge-offs to loans | 2.2346% | 575 |
| Credit loss provision to net charge-offs | 5.0000% | 5,289 |
| Earnings coverage of net charge-offs (x) | 1.8786% | 3,924 |
| Efficiency ratio | 60.8747% | 5,749 |
| Assets per employee ($millions) | 3.6320% | 4,608 |
| Cash dividends to net income (ytd only)* | 62.1681% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5378% | 3,952 |
| Loan loss allowance to noncurrent loans | 42.6067% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 2.1114% | 3,090 |
| Noncurrent loans to loans | 3.6094% | 1,950 |
| Net loans and leases to total assets | 30.9478% | 7,145 |
| Net loans and leases to deposits | 36.6278% | 7,163 |
| Net loans and leases to core deposits | 39.2637% | 7,138 |
| Total domestic deposits to total assets | 84.4927% | 4,124 |
| Equity capital to assets | 14.6609% | 901 |
| Core capital (leverage) ratio | 14.0170% | 866 |
| Tier 1 risk-based capital ratio | 29.7007% | 552 |
| Total risk-based capital ratio | 30.7348% | 545 |
| Memoranda: | ||
| Average total assets | $190,374,670 | 3,220 |
| Average earning assets | $151,535,330 | 3,603 |
| Average equity | $27,222,000 | 2,368 |
| Average total loans | $62,652,330 | 4,847 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3519% | 258 |
| Cost of funding earning assets | 2.2080% | 86 |
| Net interest margin | 4.1440% | 2,103 |
| Noninterest income to average assets | 0.4395% | 4,371 |
| Noninterest expense to average assets | 2.1440% | 6,543 |
| Loan and lease loss provision to assets | 0.0107% | 5,773 |
| Net operating income to assets | 1.4613% | 957 |
| Return on assets (ROA) | 1.4613% | 993 |
| Pretax return on assets | 1.5360% | 1,344 |
| Return on Equity (ROE) | 10.3568% | 1,971 |
| Retained earnings to average equity (ytd only) | 2.9029% | 4,419 |
| Net charge-offs to loans | 3.9458% | 230 |
| Credit loss provision to net charge-offs | 0.8026% | 4,472 |
| Earnings coverage of net charge-offs (x) | 1.1637% | 3,784 |
| Efficiency ratio | 58.0925% | 6,260 |
| Assets per employee ($millions) | 3.5865% | 4,780 |
| Cash dividends to net income (ytd only)* | 71.9708% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6130% | 3,681 |
| Loan loss allowance to noncurrent loans | 39.2815% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 2.2590% | 2,996 |
| Noncurrent loans to loans | 4.1063% | 1,751 |
| Net loans and leases to total assets | 31.9278% | 7,170 |
| Net loans and leases to deposits | 37.5181% | 7,182 |
| Net loans and leases to core deposits | 40.2707% | 7,161 |
| Total domestic deposits to total assets | 85.0998% | 3,989 |
| Equity capital to assets | 14.1195% | 974 |
| Core capital (leverage) ratio | 14.2934% | 779 |
| Tier 1 risk-based capital ratio | 29.8066% | 529 |
| Total risk-based capital ratio | 30.9089% | 527 |
| Memoranda: | ||
| Average total assets | $187,498,500 | 3,277 |
| Average earning assets | $147,104,500 | 3,694 |
| Average equity | $26,456,000 | 2,417 |
| Average total loans | $63,156,000 | 4,866 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2775% | 483 |
| Cost of funding earning assets | 2.3488% | 182 |
| Net interest margin | 3.9287% | 3,352 |
| Noninterest income to average assets | 0.4210% | 4,734 |
| Noninterest expense to average assets | 2.1741% | 6,684 |
| Loan and lease loss provision to assets | 0.8545% | 1,915 |
| Net operating income to assets | 0.7416% | 3,034 |
| Return on assets (ROA) | 1.0647% | 1,913 |
| Pretax return on assets | 1.0925% | 2,602 |
| Return on Equity (ROE) | 7.1641% | 3,042 |
| Retained earnings to average equity (ytd only) | 2.3697% | 4,219 |
| Net charge-offs to loans | 0.9562% | 2,264 |
| Credit loss provision to net charge-offs | 247.6266% | 1,156 |
| Earnings coverage of net charge-offs (x) | 4.6772% | 2,847 |
| Efficiency ratio | 57.3941% | 6,403 |
| Assets per employee ($millions) | 3.4243% | 5,118 |
| Cash dividends to net income (ytd only)* | 66.9231% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4959% | 1,415 |
| Loan loss allowance to noncurrent loans | 42.8420% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 2.6542% | 2,622 |
| Noncurrent loans to loans | 5.8257% | 1,092 |
| Net loans and leases to total assets | 34.0778% | 7,225 |
| Net loans and leases to deposits | 40.0840% | 7,250 |
| Net loans and leases to core deposits | 42.9505% | 7,234 |
| Total domestic deposits to total assets | 85.0161% | 3,842 |
| Equity capital to assets | 14.1002% | 1,005 |
| Core capital (leverage) ratio | 14.2075% | 806 |
| Tier 1 risk-based capital ratio | 29.4532% | 530 |
| Total risk-based capital ratio | 30.7102% | 516 |
| Memoranda: | ||
| Average total assets | $183,154,800 | 3,325 |
| Average earning assets | $156,973,200 | 3,505 |
| Average equity | $27,219,200 | 2,359 |
| Average total loans | $66,096,400 | 4,822 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2570% | 550 |
| Cost of funding earning assets | 2.3586% | 223 |
| Net interest margin | 3.8983% | 3,533 |
| Noninterest income to average assets | 0.4553% | 4,518 |
| Noninterest expense to average assets | 2.1629% | 6,706 |
| Loan and lease loss provision to assets | 0.8501% | 1,787 |
| Net operating income to assets | 0.8488% | 2,813 |
| Return on assets (ROA) | 1.1522% | 1,828 |
| Pretax return on assets | 1.1668% | 2,613 |
| Return on Equity (ROE) | 7.6540% | 3,045 |
| Retained earnings to average equity (ytd only) | 2.2976% | 4,787 |
| Net charge-offs to loans | 0.7924% | 2,463 |
| Credit loss provision to net charge-offs | 294.9367% | 1,085 |
| Earnings coverage of net charge-offs (x) | 5.9342% | 2,636 |
| Efficiency ratio | 55.8402% | 6,581 |
| Assets per employee ($millions) | 3.4116% | 5,178 |
| Cash dividends to net income (ytd only)* | 69.9812% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2092% | 1,790 |
| Loan loss allowance to noncurrent loans | 32.2008% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 2.8910% | 2,511 |
| Noncurrent loans to loans | 6.8607% | 836 |
| Net loans and leases to total assets | 34.8398% | 7,315 |
| Net loans and leases to deposits | 41.7580% | 7,314 |
| Net loans and leases to core deposits | 44.5658% | 7,299 |
| Total domestic deposits to total assets | 83.4326% | 4,405 |
| Equity capital to assets | 15.5470% | 762 |
| Core capital (leverage) ratio | 14.2028% | 882 |
| Tier 1 risk-based capital ratio | 29.5527% | 536 |
| Total risk-based capital ratio | 30.8076% | 522 |
| Memoranda: | ||
| Average total assets | $182,715,500 | 3,385 |
| Average earning assets | $160,201,750 | 3,492 |
| Average equity | $27,505,750 | 2,376 |
| Average total loans | $66,463,750 | 4,884 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1903% | 635 |
| Cost of funding earning assets | 2.3198% | 318 |
| Net interest margin | 3.8704% | 3,585 |
| Noninterest income to average assets | 0.4687% | 4,368 |
| Noninterest expense to average assets | 2.1700% | 6,719 |
| Loan and lease loss provision to assets | 0.4006% | 3,321 |
| Net operating income to assets | 1.3091% | 1,284 |
| Return on assets (ROA) | 1.5740% | 828 |
| Pretax return on assets | 1.6618% | 1,137 |
| Return on Equity (ROE) | 10.5725% | 1,907 |
| Retained earnings to average equity (ytd only) | 5.9645% | 2,348 |
| Net charge-offs to loans | 1.0219% | 1,828 |
| Credit loss provision to net charge-offs | 107.0381% | 3,814 |
| Earnings coverage of net charge-offs (x) | 4.7654% | 2,853 |
| Efficiency ratio | 54.8862% | 6,775 |
| Assets per employee ($millions) | 3.3597% | 5,288 |
| Cash dividends to net income (ytd only)* | 43.5844% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 6,134 |
| Loan loss allowance to noncurrent loans | 19.6264% | 6,961 |
| Noncurrent assets plus other real estate owned to assets | 2.5928% | 2,800 |
| Noncurrent loans to loans | 5.4051% | 1,228 |
| Net loans and leases to total assets | 35.5334% | 7,370 |
| Net loans and leases to deposits | 43.3316% | 7,341 |
| Net loans and leases to core deposits | 46.1880% | 7,346 |
| Total domestic deposits to total assets | 82.0036% | 4,988 |
| Equity capital to assets | 15.1579% | 847 |
| Core capital (leverage) ratio | 14.9229% | 734 |
| Tier 1 risk-based capital ratio | 29.9126% | 510 |
| Total risk-based capital ratio | 30.6961% | 523 |
| Memoranda: | ||
| Average total assets | $182,211,000 | 3,410 |
| Average earning assets | $164,064,000 | 3,444 |
| Average equity | $27,127,000 | 2,405 |
| Average total loans | $66,740,000 | 4,912 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1370% | 728 |
| Cost of funding earning assets | 2.3433% | 371 |
| Net interest margin | 3.7937% | 3,821 |
| Noninterest income to average assets | 0.4709% | 4,292 |
| Noninterest expense to average assets | 2.1578% | 6,788 |
| Loan and lease loss provision to assets | 0.3206% | 3,497 |
| Net operating income to assets | 1.3590% | 1,170 |
| Return on assets (ROA) | 1.8925% | 450 |
| Pretax return on assets | 1.9831% | 623 |
| Return on Equity (ROE) | 12.8307% | 1,286 |
| Retained earnings to average equity (ytd only) | 5.7708% | 2,727 |
| Net charge-offs to loans | 1.6435% | 1,062 |
| Credit loss provision to net charge-offs | 52.7273% | 4,441 |
| Earnings coverage of net charge-offs (x) | 2.8655% | 3,117 |
| Efficiency ratio | 55.3288% | 6,847 |
| Assets per employee ($millions) | 3.2959% | 5,552 |
| Cash dividends to net income (ytd only)* | 55.0234% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8238% | 7,069 |
| Loan loss allowance to noncurrent loans | 19.3254% | 7,048 |
| Noncurrent assets plus other real estate owned to assets | 2.0918% | 3,397 |
| Noncurrent loans to loans | 4.2626% | 1,791 |
| Net loans and leases to total assets | 36.5277% | 7,411 |
| Net loans and leases to deposits | 44.3044% | 7,393 |
| Net loans and leases to core deposits | 47.5249% | 7,378 |
| Total domestic deposits to total assets | 82.4472% | 4,874 |
| Equity capital to assets | 14.8111% | 929 |
| Core capital (leverage) ratio | 14.7141% | 804 |
| Tier 1 risk-based capital ratio | 29.7844% | 537 |
| Total risk-based capital ratio | 30.4037% | 560 |
| Memoranda: | ||
| Average total assets | $180,926,000 | 3,483 |
| Average earning assets | $163,533,500 | 3,504 |
| Average equity | $26,686,000 | 2,454 |
| Average total loans | $66,928,500 | 4,968 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6404% | 522 |
| Cost of funding earning assets | 2.7589% | 500 |
| Net interest margin | 3.8815% | 3,343 |
| Noninterest income to average assets | 0.4746% | 4,618 |
| Noninterest expense to average assets | 2.2337% | 6,906 |
| Loan and lease loss provision to assets | 0.1555% | 6,119 |
| Net operating income to assets | 1.4309% | 800 |
| Return on assets (ROA) | 1.4924% | 736 |
| Pretax return on assets | 1.5769% | 1,013 |
| Return on Equity (ROE) | 10.3133% | 1,605 |
| Retained earnings to average equity (ytd only) | 4.9154% | 1,864 |
| Net charge-offs to loans | 0.3898% | 4,263 |
| Credit loss provision to net charge-offs | 103.7879% | 5,320 |
| Earnings coverage of net charge-offs (x) | 11.1288% | 1,627 |
| Efficiency ratio | 57.2530% | 6,873 |
| Assets per employee ($millions) | 3.2246% | 5,666 |
| Cash dividends to net income (ytd only)* | 52.3393% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 6,297 |
| Loan loss allowance to noncurrent loans | 28.2158% | 6,588 |
| Noncurrent assets plus other real estate owned to assets | 1.7704% | 3,723 |
| Noncurrent loans to loans | 3.5921% | 2,107 |
| Net loans and leases to total assets | 36.7773% | 7,494 |
| Net loans and leases to deposits | 44.5954% | 7,491 |
| Net loans and leases to core deposits | 70.0708% | 6,768 |
| Total domestic deposits to total assets | 82.4689% | 4,750 |
| Equity capital to assets | 14.6880% | 979 |
| Core capital (leverage) ratio | 14.4842% | 884 |
| Tier 1 risk-based capital ratio | 28.9437% | 583 |
| Total risk-based capital ratio | 29.6988% | 596 |
| Memoranda: | ||
| Average total assets | $176,164,400 | 3,499 |
| Average earning assets | $155,532,000 | 3,606 |
| Average equity | $25,491,400 | 2,563 |
| Average total loans | $67,728,000 | 4,950 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7496% | 464 |
| Cost of funding earning assets | 2.8229% | 563 |
| Net interest margin | 3.9266% | 3,136 |
| Noninterest income to average assets | 0.4791% | 4,678 |
| Noninterest expense to average assets | 2.1980% | 6,980 |
| Loan and lease loss provision to assets | 0.1721% | 5,640 |
| Net operating income to assets | 1.4683% | 881 |
| Return on assets (ROA) | 1.5499% | 788 |
| Pretax return on assets | 1.6451% | 1,083 |
| Return on Equity (ROE) | 10.7527% | 1,689 |
| Retained earnings to average equity (ytd only) | 5.5956% | 2,158 |
| Net charge-offs to loans | 0.2435% | 4,525 |
| Credit loss provision to net charge-offs | 182.2581% | 2,507 |
| Earnings coverage of net charge-offs (x) | 18.3225% | 1,353 |
| Efficiency ratio | 55.9519% | 7,004 |
| Assets per employee ($millions) | 3.2139% | 5,617 |
| Cash dividends to net income (ytd only)* | 47.9606% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 5,479 |
| Loan loss allowance to noncurrent loans | 53.2781% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 1.2235% | 4,623 |
| Noncurrent loans to loans | 2.1392% | 3,460 |
| Net loans and leases to total assets | 37.2077% | 7,582 |
| Net loans and leases to deposits | 45.4555% | 7,585 |
| Net loans and leases to core deposits | 71.1417% | 6,904 |
| Total domestic deposits to total assets | 81.8554% | 4,738 |
| Equity capital to assets | 15.1370% | 965 |
| Core capital (leverage) ratio | 14.6396% | 928 |
| Tier 1 risk-based capital ratio | 29.3291% | 608 |
| Total risk-based capital ratio | 30.2043% | 610 |
| Memoranda: | ||
| Average total assets | $175,061,500 | 3,530 |
| Average earning assets | $153,784,000 | 3,657 |
| Average equity | $25,233,500 | 2,610 |
| Average total loans | $67,887,250 | 4,989 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7906% | 460 |
| Cost of funding earning assets | 2.8524% | 685 |
| Net interest margin | 3.9383% | 2,932 |
| Noninterest income to average assets | 0.4947% | 4,493 |
| Noninterest expense to average assets | 2.1969% | 7,061 |
| Loan and lease loss provision to assets | 0.2260% | 4,765 |
| Net operating income to assets | 1.4691% | 899 |
| Return on assets (ROA) | 1.5926% | 761 |
| Pretax return on assets | 1.6872% | 1,039 |
| Return on Equity (ROE) | 11.2442% | 1,633 |
| Retained earnings to average equity (ytd only) | 5.4145% | 2,286 |
| Net charge-offs to loans | 0.2708% | 3,836 |
| Credit loss provision to net charge-offs | 213.0435% | 2,161 |
| Earnings coverage of net charge-offs (x) | 16.7935% | 1,518 |
| Efficiency ratio | 55.2174% | 7,203 |
| Assets per employee ($millions) | 3.2099% | 5,564 |
| Cash dividends to net income (ytd only)* | 51.8465% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 5,321 |
| Loan loss allowance to noncurrent loans | 66.8971% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 0.9890% | 4,990 |
| Noncurrent loans to loans | 1.7077% | 3,947 |
| Net loans and leases to total assets | 37.9383% | 7,637 |
| Net loans and leases to deposits | 45.7028% | 7,645 |
| Net loans and leases to core deposits | 69.6842% | 7,035 |
| Total domestic deposits to total assets | 83.0108% | 4,229 |
| Equity capital to assets | 14.0193% | 1,306 |
| Core capital (leverage) ratio | 14.4606% | 1,031 |
| Tier 1 risk-based capital ratio | 29.0824% | 660 |
| Total risk-based capital ratio | 29.9660% | 664 |
| Memoranda: | ||
| Average total assets | $173,423,330 | 3,577 |
| Average earning assets | $153,417,000 | 3,676 |
| Average equity | $24,563,670 | 2,681 |
| Average total loans | $67,937,330 | 5,031 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7863% | 495 |
| Cost of funding earning assets | 2.8589% | 854 |
| Net interest margin | 3.9274% | 2,943 |
| Noninterest income to average assets | 0.4934% | 4,382 |
| Noninterest expense to average assets | 2.0924% | 7,132 |
| Loan and lease loss provision to assets | 0.0815% | 5,922 |
| Net operating income to assets | 1.7542% | 580 |
| Return on assets (ROA) | 2.0062% | 394 |
| Pretax return on assets | 2.1180% | 521 |
| Return on Equity (ROE) | 14.0904% | 1,149 |
| Retained earnings to average equity (ytd only) | 5.9664% | 2,641 |
| Net charge-offs to loans | 0.0941% | 4,236 |
| Credit loss provision to net charge-offs | 218.7500% | 2,066 |
| Earnings coverage of net charge-offs (x) | 51.9375% | 705 |
| Efficiency ratio | 51.9653% | 7,428 |
| Assets per employee ($millions) | 3.1581% | 5,716 |
| Cash dividends to net income (ytd only)* | 57.6566% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 6,051 |
| Loan loss allowance to noncurrent loans | 56.7078% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 1.0386% | 4,615 |
| Noncurrent loans to loans | 1.7947% | 3,570 |
| Net loans and leases to total assets | 38.5779% | 7,640 |
| Net loans and leases to deposits | 46.5379% | 7,646 |
| Net loans and leases to core deposits | 70.7062% | 6,981 |
| Total domestic deposits to total assets | 82.8956% | 4,194 |
| Equity capital to assets | 14.1717% | 1,316 |
| Core capital (leverage) ratio | 14.5093% | 1,082 |
| Tier 1 risk-based capital ratio | 29.0292% | 685 |
| Total risk-based capital ratio | 29.8237% | 696 |
| Memoranda: | ||
| Average total assets | $171,864,000 | 3,624 |
| Average earning assets | $154,604,500 | 3,668 |
| Average equity | $24,470,500 | 2,709 |
| Average total loans | $68,030,500 | 5,051 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8837% | 1,450 |
| Cost of funding earning assets | 3.3022% | 924 |
| Net interest margin | 3.5815% | 4,970 |
| Noninterest income to average assets | 0.5043% | 4,593 |
| Noninterest expense to average assets | 2.1214% | 7,184 |
| Loan and lease loss provision to assets | 0.0448% | 6,852 |
| Net operating income to assets | 1.5438% | 937 |
| Return on assets (ROA) | 1.5512% | 893 |
| Pretax return on assets | 1.6236% | 1,328 |
| Return on Equity (ROE) | 11.0537% | 1,889 |
| Retained earnings to average equity (ytd only) | 5.1134% | 1,954 |
| Net charge-offs to loans | 0.1216% | 5,027 |
| Credit loss provision to net charge-offs | 93.8272% | 5,574 |
| Earnings coverage of net charge-offs (x) | 34.8025% | 1,045 |
| Efficiency ratio | 56.0903% | 6,994 |
| Assets per employee ($millions) | 3.1487% | 5,628 |
| Cash dividends to net income (ytd only)* | 53.7410% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 6,209 |
| Loan loss allowance to noncurrent loans | 45.8590% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 0.8798% | 4,653 |
| Noncurrent loans to loans | 2.1371% | 2,584 |
| Net loans and leases to total assets | 39.8124% | 7,679 |
| Net loans and leases to deposits | 48.2106% | 7,702 |
| Net loans and leases to core deposits | 74.7279% | 6,924 |
| Total domestic deposits to total assets | 82.5801% | 3,957 |
| Equity capital to assets | 14.3063% | 1,349 |
| Core capital (leverage) ratio | 14.5251% | 1,137 |
| Tier 1 risk-based capital ratio | 28.2582% | 746 |
| Total risk-based capital ratio | 29.0213% | 757 |
| Memoranda: | ||
| Average total assets | $169,743,200 | 3,560 |
| Average earning assets | $155,353,000 | 3,561 |
| Average equity | $23,820,000 | 2,752 |
| Average total loans | $66,606,000 | 4,994 |