Home > United Bank and Trust Company > Performance and Condition Ratios
United Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9892% | 3,982 |
| Cost of funding earning assets | 1.0669% | 3,156 |
| Net interest margin | 2.9223% | 3,437 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 1.3918% | 4,394 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.4816% | 1,050 |
| Return on assets (ROA) | 1.4153% | 1,159 |
| Pretax return on assets | 1.4841% | 1,461 |
| Return on Equity (ROE) | 14.9500% | 1,299 |
| Retained earnings to average equity (ytd only) | 5.6800% | 2,360 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 46.7906% | 4,158 |
| Assets per employee ($millions) | 8.6244% | 1,140 |
| Cash dividends to net income (ytd only)* | 62.0116% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 1,248 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 53.7800% | 3,368 |
| Net loans and leases to deposits | 60.9017% | 3,476 |
| Net loans and leases to core deposits | 67.4772% | 3,430 |
| Total domestic deposits to total assets | 88.3000% | 1,255 |
| Equity capital to assets | 10.5761% | 1,694 |
| Core capital (leverage) ratio | 14.2563% | 750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $207,938,800 | 2,934 |
| Average earning assets | $200,768,800 | 2,862 |
| Average equity | $19,683,200 | 2,884 |
| Average total loans | $111,532,200 | 3,035 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8855% | 4,020 |
| Cost of funding earning assets | 0.9609% | 3,131 |
| Net interest margin | 2.9245% | 3,492 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.4007% | 4,398 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.4768% | 1,170 |
| Return on assets (ROA) | 1.4007% | 1,305 |
| Pretax return on assets | 1.4686% | 1,636 |
| Return on Equity (ROE) | 15.2400% | 1,408 |
| Retained earnings to average equity (ytd only) | 5.7984% | 2,690 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 47.0323% | 4,087 |
| Assets per employee ($millions) | 8.8617% | 980 |
| Cash dividends to net income (ytd only)* | 61.9570% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 1,305 |
| Loan loss allowance to noncurrent loans | 4,869.6970% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 3,675 |
| Noncurrent loans to loans | 0.0295% | 3,563 |
| Net loans and leases to total assets | 54.1400% | 3,350 |
| Net loans and leases to deposits | 59.9014% | 3,508 |
| Net loans and leases to core deposits | 66.1443% | 3,419 |
| Total domestic deposits to total assets | 90.3800% | 846 |
| Equity capital to assets | 8.5021% | 2,731 |
| Core capital (leverage) ratio | 14.2350% | 775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $208,177,000 | 2,937 |
| Average earning assets | $201,052,750 | 2,867 |
| Average equity | $19,131,250 | 2,924 |
| Average total loans | $111,183,000 | 3,043 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7728% | 4,058 |
| Cost of funding earning assets | 0.8345% | 3,114 |
| Net interest margin | 2.9384% | 3,583 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.4607% | 4,362 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.4414% | 1,233 |
| Return on assets (ROA) | 1.3843% | 1,349 |
| Pretax return on assets | 1.4511% | 1,691 |
| Return on Equity (ROE) | 14.7100% | 1,525 |
| Retained earnings to average equity (ytd only) | 4.7740% | 3,000 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.6804% | 4,024 |
| Assets per employee ($millions) | 8.5862% | 1,051 |
| Cash dividends to net income (ytd only)* | 67.5396% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4622% | 1,302 |
| Loan loss allowance to noncurrent loans | 3,059.6154% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 3,539 |
| Noncurrent loans to loans | 0.0478% | 3,375 |
| Net loans and leases to total assets | 52.0300% | 3,408 |
| Net loans and leases to deposits | 57.8645% | 3,544 |
| Net loans and leases to core deposits | 64.0440% | 3,447 |
| Total domestic deposits to total assets | 89.9200% | 940 |
| Equity capital to assets | 9.4711% | 2,175 |
| Core capital (leverage) ratio | 13.9128% | 788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $209,629,333 | 2,935 |
| Average earning assets | $202,766,333 | 2,872 |
| Average equity | $19,732,000 | 2,890 |
| Average total loans | $110,927,667 | 3,046 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1938% | 3,825 |
| Cost of funding earning assets | 0.2708% | 3,150 |
| Net interest margin | 2.9230% | 3,625 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.3803% | 4,521 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.4858% | 914 |
| Return on assets (ROA) | 1.3826% | 1,130 |
| Pretax return on assets | 1.4555% | 1,594 |
| Return on Equity (ROE) | 14.2700% | 1,474 |
| Retained earnings to average equity (ytd only) | 4.7640% | 3,151 |
| Net charge-offs to loans | 0.0028% | 2,394 |
| Credit loss provision to net charge-offs | 2,500.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 1,134.3333% | 160 |
| Efficiency ratio | 46.3249% | 4,327 |
| Assets per employee ($millions) | 8.0766% | 1,280 |
| Cash dividends to net income (ytd only)* | 66.6213% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 1,679 |
| Loan loss allowance to noncurrent loans | 156,200.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 3,962 |
| Noncurrent loans to loans | 0.0009% | 3,900 |
| Net loans and leases to total assets | 54.3100% | 3,171 |
| Net loans and leases to deposits | 60.3501% | 3,310 |
| Net loans and leases to core deposits | 64.3371% | 3,244 |
| Total domestic deposits to total assets | 89.9900% | 1,370 |
| Equity capital to assets | 9.0090% | 2,353 |
| Core capital (leverage) ratio | 13.5442% | 802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $212,783,400 | 2,960 |
| Average earning assets | $205,711,800 | 2,886 |
| Average equity | $20,612,800 | 2,895 |
| Average total loans | $105,505,800 | 3,077 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0702% | 3,738 |
| Cost of funding earning assets | 0.2181% | 3,058 |
| Net interest margin | 2.8521% | 3,618 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 1.3615% | 4,540 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.4381% | 986 |
| Return on assets (ROA) | 1.4215% | 1,002 |
| Pretax return on assets | 1.4964% | 1,421 |
| Return on Equity (ROE) | 14.4300% | 1,314 |
| Retained earnings to average equity (ytd only) | 5.1085% | 3,060 |
| Net charge-offs to loans | 0.0039% | 2,073 |
| Credit loss provision to net charge-offs | 1,866.6667% | 267 |
| Earnings coverage of net charge-offs (x) | 826.6667% | 198 |
| Efficiency ratio | 46.7811% | 4,339 |
| Assets per employee ($millions) | 7.8687% | 1,389 |
| Cash dividends to net income (ytd only)* | 64.5870% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 1,504 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 51.9600% | 3,279 |
| Net loans and leases to deposits | 56.6333% | 3,428 |
| Net loans and leases to core deposits | 60.2250% | 3,366 |
| Total domestic deposits to total assets | 91.7400% | 957 |
| Equity capital to assets | 7.7268% | 3,072 |
| Core capital (leverage) ratio | 13.2567% | 839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $213,481,500 | 2,978 |
| Average earning assets | $206,629,000 | 2,904 |
| Average equity | $21,036,500 | 2,896 |
| Average total loans | $102,981,750 | 3,114 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9366% | 3,704 |
| Cost of funding earning assets | 0.1965% | 2,961 |
| Net interest margin | 2.7401% | 3,608 |
| Noninterest income to average assets | 0.1525% | 4,248 |
| Noninterest expense to average assets | 1.3805% | 4,544 |
| Loan and lease loss provision to assets | 0.0342% | 1,964 |
| Net operating income to assets | 1.3232% | 1,084 |
| Return on assets (ROA) | 1.3232% | 1,065 |
| Pretax return on assets | 1.3925% | 1,463 |
| Return on Equity (ROE) | 12.5728% | 1,502 |
| Retained earnings to average equity (ytd only) | 3.9685% | 3,092 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1771% | 4,302 |
| Assets per employee ($millions) | 8.2248% | 1,188 |
| Cash dividends to net income (ytd only)* | 68.4358% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 1,312 |
| Loan loss allowance to noncurrent loans | 38,175.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,055 |
| Noncurrent loans to loans | 0.0040% | 3,969 |
| Net loans and leases to total assets | 45.7764% | 3,725 |
| Net loans and leases to deposits | 50.4809% | 3,788 |
| Net loans and leases to core deposits | 52.8478% | 3,765 |
| Total domestic deposits to total assets | 90.6807% | 1,390 |
| Equity capital to assets | 8.8143% | 2,525 |
| Core capital (leverage) ratio | 12.7256% | 900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,446,333 | 2,977 |
| Average earning assets | $209,696,667 | 2,922 |
| Average equity | $22,779,333 | 2,833 |
| Average total loans | $101,361,667 | 3,163 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8085% | 3,730 |
| Cost of funding earning assets | 0.1951% | 2,865 |
| Net interest margin | 2.6134% | 3,623 |
| Noninterest income to average assets | 0.1580% | 4,208 |
| Noninterest expense to average assets | 1.5192% | 4,399 |
| Loan and lease loss provision to assets | 0.0349% | 1,739 |
| Net operating income to assets | 1.0820% | 1,572 |
| Return on assets (ROA) | 1.0820% | 1,570 |
| Pretax return on assets | 1.1389% | 2,020 |
| Return on Equity (ROE) | 9.5213% | 2,145 |
| Retained earnings to average equity (ytd only) | 9.5213% | 1,142 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4120% | 3,838 |
| Assets per employee ($millions) | 8.7532% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 1,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 44.4902% | 3,706 |
| Net loans and leases to deposits | 49.8719% | 3,739 |
| Net loans and leases to core deposits | 52.1172% | 3,730 |
| Total domestic deposits to total assets | 89.2090% | 1,975 |
| Equity capital to assets | 10.0672% | 1,843 |
| Core capital (leverage) ratio | 12.6368% | 862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,746,500 | 2,983 |
| Average earning assets | $211,219,500 | 2,919 |
| Average equity | $24,744,500 | 2,791 |
| Average total loans | $102,333,500 | 3,154 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1468% | 3,589 |
| Cost of funding earning assets | 0.2834% | 2,567 |
| Net interest margin | 2.8634% | 3,527 |
| Noninterest income to average assets | 0.1609% | 4,347 |
| Noninterest expense to average assets | 1.3806% | 4,633 |
| Loan and lease loss provision to assets | 0.0364% | 2,316 |
| Net operating income to assets | 1.4475% | 1,141 |
| Return on assets (ROA) | 1.4475% | 1,215 |
| Pretax return on assets | 1.5164% | 1,664 |
| Return on Equity (ROE) | 10.8554% | 2,214 |
| Retained earnings to average equity (ytd only) | 3.7300% | 3,327 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0666% | 4,453 |
| Assets per employee ($millions) | 8.3332% | 1,152 |
| Cash dividends to net income (ytd only)* | 65.6397% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 1,893 |
| Loan loss allowance to noncurrent loans | 1,103.7037% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 3,542 |
| Noncurrent loans to loans | 0.1276% | 3,295 |
| Net loans and leases to total assets | 48.1439% | 3,487 |
| Net loans and leases to deposits | 55.5917% | 3,459 |
| Net loans and leases to core deposits | 58.1996% | 3,456 |
| Total domestic deposits to total assets | 86.6027% | 2,668 |
| Equity capital to assets | 12.6801% | 1,003 |
| Core capital (leverage) ratio | 12.8164% | 848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,282,200 | 3,017 |
| Average earning assets | $199,729,200 | 2,958 |
| Average equity | $27,507,000 | 2,681 |
| Average total loans | $101,216,600 | 3,180 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2304% | 3,547 |
| Cost of funding earning assets | 0.3049% | 2,547 |
| Net interest margin | 2.9255% | 3,492 |
| Noninterest income to average assets | 0.1617% | 4,389 |
| Noninterest expense to average assets | 1.4204% | 4,668 |
| Loan and lease loss provision to assets | 0.0368% | 2,254 |
| Net operating income to assets | 1.4604% | 1,359 |
| Return on assets (ROA) | 1.4604% | 1,419 |
| Pretax return on assets | 1.5370% | 1,885 |
| Return on Equity (ROE) | 10.8106% | 2,435 |
| Retained earnings to average equity (ytd only) | 3.6875% | 3,682 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4421% | 4,410 |
| Assets per employee ($millions) | 7.5961% | 1,511 |
| Cash dividends to net income (ytd only)* | 65.8897% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 1,809 |
| Loan loss allowance to noncurrent loans | 1,290.3509% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 3,758 |
| Noncurrent loans to loans | 0.1125% | 3,525 |
| Net loans and leases to total assets | 48.6862% | 3,554 |
| Net loans and leases to deposits | 56.7818% | 3,506 |
| Net loans and leases to core deposits | 59.5469% | 3,501 |
| Total domestic deposits to total assets | 85.7427% | 2,850 |
| Equity capital to assets | 13.4718% | 861 |
| Core capital (leverage) ratio | 12.9754% | 851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,687,000 | 3,074 |
| Average earning assets | $197,204,250 | 3,010 |
| Average equity | $27,515,500 | 2,707 |
| Average total loans | $100,070,750 | 3,236 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3943% | 3,198 |
| Cost of funding earning assets | 0.3314% | 2,476 |
| Net interest margin | 3.0629% | 3,137 |
| Noninterest income to average assets | 0.1712% | 4,352 |
| Noninterest expense to average assets | 1.4369% | 4,689 |
| Loan and lease loss provision to assets | 0.0364% | 2,263 |
| Net operating income to assets | 1.5806% | 1,090 |
| Return on assets (ROA) | 1.5806% | 1,151 |
| Pretax return on assets | 1.6632% | 1,581 |
| Return on Equity (ROE) | 11.6896% | 2,169 |
| Retained earnings to average equity (ytd only) | 4.5565% | 3,340 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8111% | 4,525 |
| Assets per employee ($millions) | 7.8188% | 1,294 |
| Cash dividends to net income (ytd only)* | 61.0212% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 1,647 |
| Loan loss allowance to noncurrent loans | 455.1724% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 3,247 |
| Noncurrent loans to loans | 0.3259% | 2,749 |
| Net loans and leases to total assets | 45.6724% | 3,925 |
| Net loans and leases to deposits | 53.0162% | 3,928 |
| Net loans and leases to core deposits | 55.8556% | 3,896 |
| Total domestic deposits to total assets | 86.1478% | 2,688 |
| Equity capital to assets | 13.0682% | 928 |
| Core capital (leverage) ratio | 12.8757% | 825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,217,667 | 3,071 |
| Average earning assets | $196,742,333 | 3,011 |
| Average equity | $27,477,333 | 2,704 |
| Average total loans | $99,653,000 | 3,258 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5718% | 2,729 |
| Cost of funding earning assets | 0.3613% | 2,433 |
| Net interest margin | 3.2104% | 2,662 |
| Noninterest income to average assets | 0.1766% | 4,312 |
| Noninterest expense to average assets | 1.6038% | 4,527 |
| Loan and lease loss provision to assets | 0.0381% | 2,266 |
| Net operating income to assets | 1.5557% | 1,206 |
| Return on assets (ROA) | 1.5557% | 1,270 |
| Pretax return on assets | 1.6380% | 1,626 |
| Return on Equity (ROE) | 11.3048% | 2,271 |
| Retained earnings to average equity (ytd only) | 4.1572% | 3,458 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8984% | 4,268 |
| Assets per employee ($millions) | 7.8240% | 1,272 |
| Cash dividends to net income (ytd only)* | 63.2258% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4223% | 1,867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 48.8219% | 3,729 |
| Net loans and leases to deposits | 57.0749% | 3,710 |
| Net loans and leases to core deposits | 60.0035% | 3,699 |
| Total domestic deposits to total assets | 85.5401% | 2,915 |
| Equity capital to assets | 13.3897% | 815 |
| Core capital (leverage) ratio | 13.2846% | 783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,272,500 | 3,097 |
| Average earning assets | $192,622,500 | 3,033 |
| Average equity | $27,422,000 | 2,704 |
| Average total loans | $100,544,500 | 3,256 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7201% | 3,523 |
| Cost of funding earning assets | 0.6106% | 2,236 |
| Net interest margin | 3.1095% | 3,606 |
| Noninterest income to average assets | 0.1901% | 4,335 |
| Noninterest expense to average assets | 1.5437% | 4,749 |
| Loan and lease loss provision to assets | 0.0500% | 3,758 |
| Net operating income to assets | 1.5120% | 787 |
| Return on assets (ROA) | 1.5548% | 769 |
| Pretax return on assets | 1.6365% | 986 |
| Return on Equity (ROE) | 10.4220% | 1,838 |
| Retained earnings to average equity (ytd only) | 3.5659% | 3,053 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4642% | 4,614 |
| Assets per employee ($millions) | 7.2267% | 1,431 |
| Cash dividends to net income (ytd only)* | 65.7848% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4102% | 1,933 |
| Loan loss allowance to noncurrent loans | 401.9886% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 3,378 |
| Noncurrent loans to loans | 0.3508% | 2,940 |
| Net loans and leases to total assets | 50.6996% | 3,769 |
| Net loans and leases to deposits | 59.8392% | 3,775 |
| Net loans and leases to core deposits | 64.3080% | 3,670 |
| Total domestic deposits to total assets | 84.7263% | 2,865 |
| Equity capital to assets | 14.1482% | 759 |
| Core capital (leverage) ratio | 13.8420% | 711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,892,000 | 3,105 |
| Average earning assets | $173,275,200 | 3,043 |
| Average equity | $26,837,400 | 2,685 |
| Average total loans | $99,151,000 | 3,246 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9103% | 3,220 |
| Cost of funding earning assets | 0.6541% | 2,306 |
| Net interest margin | 3.2562% | 3,318 |
| Noninterest income to average assets | 0.1757% | 4,413 |
| Noninterest expense to average assets | 1.5848% | 4,739 |
| Loan and lease loss provision to assets | 0.0505% | 3,718 |
| Net operating income to assets | 1.5924% | 743 |
| Return on assets (ROA) | 1.6507% | 719 |
| Pretax return on assets | 1.7378% | 894 |
| Return on Equity (ROE) | 10.9085% | 1,714 |
| Retained earnings to average equity (ytd only) | 4.0031% | 3,045 |
| Net charge-offs to loans | -0.0081% | 4,171 |
| Credit loss provision to net charge-offs | -1,116.6667% | 3,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8509% | 4,616 |
| Assets per employee ($millions) | 6.4336% | 1,887 |
| Cash dividends to net income (ytd only)* | 63.3028% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 1,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 54.9883% | 3,711 |
| Net loans and leases to deposits | 65.8650% | 3,630 |
| Net loans and leases to core deposits | 70.7995% | 3,572 |
| Total domestic deposits to total assets | 83.4864% | 2,994 |
| Equity capital to assets | 15.2552% | 578 |
| Core capital (leverage) ratio | 14.4532% | 632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,085,000 | 3,126 |
| Average earning assets | $169,598,000 | 3,061 |
| Average equity | $26,645,250 | 2,689 |
| Average total loans | $98,853,750 | 3,260 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9468% | 3,476 |
| Cost of funding earning assets | 0.6906% | 2,443 |
| Net interest margin | 3.2562% | 3,506 |
| Noninterest income to average assets | 0.1854% | 4,352 |
| Noninterest expense to average assets | 1.6242% | 4,758 |
| Loan and lease loss provision to assets | 0.0515% | 3,662 |
| Net operating income to assets | 1.5675% | 813 |
| Return on assets (ROA) | 1.6425% | 750 |
| Pretax return on assets | 1.7295% | 933 |
| Return on Equity (ROE) | 10.8850% | 1,672 |
| Retained earnings to average equity (ytd only) | 3.9064% | 2,952 |
| Net charge-offs to loans | -0.0122% | 4,264 |
| Credit loss provision to net charge-offs | -750.0000% | 3,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8300% | 4,571 |
| Assets per employee ($millions) | 6.9912% | 1,442 |
| Cash dividends to net income (ytd only)* | 64.1115% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 1,645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 53.9935% | 3,875 |
| Net loans and leases to deposits | 64.4882% | 3,848 |
| Net loans and leases to core deposits | 69.1330% | 3,768 |
| Total domestic deposits to total assets | 83.7261% | 2,838 |
| Equity capital to assets | 14.9981% | 618 |
| Core capital (leverage) ratio | 14.5908% | 639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,732,667 | 3,123 |
| Average earning assets | $168,539,667 | 3,057 |
| Average equity | $26,366,667 | 2,690 |
| Average total loans | $98,320,000 | 3,266 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9821% | 3,843 |
| Cost of funding earning assets | 0.7381% | 2,736 |
| Net interest margin | 3.2439% | 3,741 |
| Noninterest income to average assets | 0.2126% | 4,273 |
| Noninterest expense to average assets | 1.8083% | 4,659 |
| Loan and lease loss provision to assets | 0.0537% | 3,099 |
| Net operating income to assets | 1.3985% | 983 |
| Return on assets (ROA) | 1.4251% | 1,006 |
| Pretax return on assets | 1.4999% | 1,304 |
| Return on Equity (ROE) | 9.4139% | 1,949 |
| Retained earnings to average equity (ytd only) | 9.4139% | 863 |
| Net charge-offs to loans | -0.0205% | 4,342 |
| Credit loss provision to net charge-offs | -440.0000% | 3,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2397% | 4,383 |
| Assets per employee ($millions) | 6.6120% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 1,808 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 56.6177% | 3,790 |
| Net loans and leases to deposits | 68.0206% | 3,731 |
| Net loans and leases to core deposits | 73.4986% | 3,671 |
| Total domestic deposits to total assets | 83.2361% | 3,031 |
| Equity capital to assets | 15.1561% | 729 |
| Core capital (leverage) ratio | 15.2132% | 648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,214,000 | 3,123 |
| Average earning assets | $164,739,000 | 3,063 |
| Average equity | $25,919,000 | 2,712 |
| Average total loans | $97,720,000 | 3,254 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0607% | 4,127 |
| Cost of funding earning assets | 0.7454% | 2,943 |
| Net interest margin | 3.3153% | 3,956 |
| Noninterest income to average assets | 0.2479% | 4,191 |
| Noninterest expense to average assets | 1.6683% | 4,903 |
| Loan and lease loss provision to assets | 0.0548% | 2,931 |
| Net operating income to assets | 1.6049% | 832 |
| Return on assets (ROA) | 1.5910% | 908 |
| Pretax return on assets | 1.6744% | 1,257 |
| Return on Equity (ROE) | 10.5098% | 2,081 |
| Retained earnings to average equity (ytd only) | 5.1583% | 2,329 |
| Net charge-offs to loans | 0.0586% | 2,263 |
| Credit loss provision to net charge-offs | 160.7143% | 1,603 |
| Earnings coverage of net charge-offs (x) | 51.1250% | 1,111 |
| Efficiency ratio | 48.8933% | 4,791 |
| Assets per employee ($millions) | 6.3154% | 1,406 |
| Cash dividends to net income (ytd only)* | 50.9188% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 1,629 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 55.9657% | 3,925 |
| Net loans and leases to deposits | 67.1827% | 3,882 |
| Net loans and leases to core deposits | 72.4372% | 3,831 |
| Total domestic deposits to total assets | 83.3037% | 3,104 |
| Equity capital to assets | 15.1205% | 766 |
| Core capital (leverage) ratio | 15.0585% | 678 |
| Tier 1 risk-based capital ratio | 23.5274% | 860 |
| Total risk-based capital ratio | 24.7575% | 852 |
| Memoranda: | ||
| Average total assets | $164,174,800 | 3,165 |
| Average earning assets | $156,697,200 | 3,117 |
| Average equity | $24,853,000 | 2,725 |
| Average total loans | $95,518,200 | 3,288 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0814% | 4,193 |
| Cost of funding earning assets | 0.7366% | 3,029 |
| Net interest margin | 3.3448% | 4,003 |
| Noninterest income to average assets | 0.2337% | 4,339 |
| Noninterest expense to average assets | 1.7098% | 4,911 |
| Loan and lease loss provision to assets | 0.0558% | 2,795 |
| Net operating income to assets | 1.5727% | 988 |
| Return on assets (ROA) | 1.5548% | 1,098 |
| Pretax return on assets | 1.6368% | 1,505 |
| Return on Equity (ROE) | 10.2676% | 2,324 |
| Retained earnings to average equity (ytd only) | 5.5562% | 2,597 |
| Net charge-offs to loans | 0.0686% | 1,847 |
| Credit loss provision to net charge-offs | 138.7755% | 1,735 |
| Earnings coverage of net charge-offs (x) | 42.5930% | 1,314 |
| Efficiency ratio | 49.9760% | 4,745 |
| Assets per employee ($millions) | 5.8890% | 1,684 |
| Cash dividends to net income (ytd only)* | 45.8860% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 1,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 56.8920% | 3,975 |
| Net loans and leases to deposits | 68.6601% | 3,870 |
| Net loans and leases to core deposits | 71.9746% | 3,950 |
| Total domestic deposits to total assets | 82.8604% | 3,208 |
| Equity capital to assets | 15.4773% | 736 |
| Core capital (leverage) ratio | 15.4010% | 658 |
| Tier 1 risk-based capital ratio | 24.2872% | 822 |
| Total risk-based capital ratio | 25.5370% | 806 |
| Memoranda: | ||
| Average total assets | $162,589,250 | 3,217 |
| Average earning assets | $154,944,000 | 3,172 |
| Average equity | $24,620,500 | 2,763 |
| Average total loans | $95,208,750 | 3,333 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0266% | 4,325 |
| Cost of funding earning assets | 0.7150% | 3,083 |
| Net interest margin | 3.3116% | 4,115 |
| Noninterest income to average assets | 0.2435% | 4,297 |
| Noninterest expense to average assets | 1.7686% | 4,904 |
| Loan and lease loss provision to assets | 0.0556% | 2,714 |
| Net operating income to assets | 1.5112% | 1,116 |
| Return on assets (ROA) | 1.5041% | 1,191 |
| Pretax return on assets | 1.5832% | 1,595 |
| Return on Equity (ROE) | 10.0081% | 2,383 |
| Retained earnings to average equity (ytd only) | 5.2384% | 2,648 |
| Net charge-offs to loans | 0.1008% | 1,374 |
| Credit loss provision to net charge-offs | 93.7500% | 2,090 |
| Earnings coverage of net charge-offs (x) | 27.7500% | 1,527 |
| Efficiency ratio | 51.7915% | 4,666 |
| Assets per employee ($millions) | 6.0607% | 1,501 |
| Cash dividends to net income (ytd only)* | 47.6582% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 1,872 |
| Loan loss allowance to noncurrent loans | 2,146.6667% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 4,582 |
| Noncurrent loans to loans | 0.0622% | 4,406 |
| Net loans and leases to total assets | 58.1679% | 3,901 |
| Net loans and leases to deposits | 70.0556% | 3,835 |
| Net loans and leases to core deposits | 73.4511% | 3,921 |
| Total domestic deposits to total assets | 83.0310% | 3,194 |
| Equity capital to assets | 15.2927% | 748 |
| Core capital (leverage) ratio | 15.2141% | 666 |
| Tier 1 risk-based capital ratio | 23.3051% | 912 |
| Total risk-based capital ratio | 24.5204% | 893 |
| Memoranda: | ||
| Average total assets | $161,821,330 | 3,243 |
| Average earning assets | $154,971,330 | 3,181 |
| Average equity | $24,320,330 | 2,779 |
| Average total loans | $95,238,000 | 3,351 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 4,474 |
| Cost of funding earning assets | 0.6829% | 3,137 |
| Net interest margin | 3.2665% | 4,240 |
| Noninterest income to average assets | 0.2337% | 4,340 |
| Noninterest expense to average assets | 1.9414% | 4,740 |
| Loan and lease loss provision to assets | 0.0572% | 2,520 |
| Net operating income to assets | 1.2951% | 1,711 |
| Return on assets (ROA) | 1.2951% | 1,752 |
| Pretax return on assets | 1.3622% | 2,228 |
| Return on Equity (ROE) | 8.6949% | 2,952 |
| Retained earnings to average equity (ytd only) | 8.6949% | 1,421 |
| Net charge-offs to loans | 0.0042% | 2,561 |
| Credit loss provision to net charge-offs | 2,300.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 571.0000% | 130 |
| Efficiency ratio | 57.7663% | 4,115 |
| Assets per employee ($millions) | 5.9551% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3871% | 1,726 |
| Loan loss allowance to noncurrent loans | 2,679.5918% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 4,691 |
| Noncurrent loans to loans | 0.0518% | 4,534 |
| Net loans and leases to total assets | 58.0531% | 3,882 |
| Net loans and leases to deposits | 69.8618% | 3,770 |
| Net loans and leases to core deposits | 73.8818% | 3,802 |
| Total domestic deposits to total assets | 83.0971% | 3,349 |
| Equity capital to assets | 15.2305% | 705 |
| Core capital (leverage) ratio | 15.4046% | 616 |
| Tier 1 risk-based capital ratio | 23.5801% | 875 |
| Total risk-based capital ratio | 24.8300% | 855 |
| Memoranda: | ||
| Average total assets | $160,912,000 | 3,288 |
| Average earning assets | $154,047,000 | 3,224 |
| Average equity | $23,968,000 | 2,808 |
| Average total loans | $94,620,000 | 3,398 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8261% | 4,431 |
| Cost of funding earning assets | 0.4926% | 3,405 |
| Net interest margin | 3.3335% | 4,169 |
| Noninterest income to average assets | 0.2633% | 4,355 |
| Noninterest expense to average assets | 1.7582% | 5,041 |
| Loan and lease loss provision to assets | 0.0570% | 3,031 |
| Net operating income to assets | 1.5533% | 985 |
| Return on assets (ROA) | 1.5437% | 1,003 |
| Pretax return on assets | 1.6247% | 1,396 |
| Return on Equity (ROE) | 10.7269% | 2,199 |
| Retained earnings to average equity (ytd only) | 5.8450% | 2,271 |
| Net charge-offs to loans | 0.0087% | 3,385 |
| Credit loss provision to net charge-offs | 1,125.0000% | 350 |
| Earnings coverage of net charge-offs (x) | 334.1250% | 307 |
| Efficiency ratio | 50.9631% | 4,879 |
| Assets per employee ($millions) | 5.9643% | 1,550 |
| Cash dividends to net income (ytd only)* | 45.5105% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 1,768 |
| Loan loss allowance to noncurrent loans | 3,688.5714% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 4,768 |
| Noncurrent loans to loans | 0.0370% | 4,601 |
| Net loans and leases to total assets | 57.9334% | 3,972 |
| Net loans and leases to deposits | 69.1085% | 3,892 |
| Net loans and leases to core deposits | 70.3434% | 4,101 |
| Total domestic deposits to total assets | 83.8296% | 3,051 |
| Equity capital to assets | 14.5602% | 821 |
| Core capital (leverage) ratio | 15.1149% | 672 |
| Tier 1 risk-based capital ratio | 23.1796% | 900 |
| Total risk-based capital ratio | 24.4234% | 872 |
| Memoranda: | ||
| Average total assets | $158,000,400 | 3,306 |
| Average earning assets | $151,043,200 | 3,231 |
| Average equity | $22,737,200 | 2,848 |
| Average total loans | $92,400,200 | 3,434 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7962% | 4,443 |
| Cost of funding earning assets | 0.4652% | 3,422 |
| Net interest margin | 3.3310% | 4,199 |
| Noninterest income to average assets | 0.2391% | 4,541 |
| Noninterest expense to average assets | 1.7993% | 5,039 |
| Loan and lease loss provision to assets | 0.0577% | 2,828 |
| Net operating income to assets | 1.4912% | 1,218 |
| Return on assets (ROA) | 1.4847% | 1,236 |
| Pretax return on assets | 1.5627% | 1,696 |
| Return on Equity (ROE) | 10.3486% | 2,460 |
| Retained earnings to average equity (ytd only) | 5.5023% | 2,948 |
| Net charge-offs to loans | 0.0014% | 3,449 |
| Credit loss provision to net charge-offs | 6,800.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 1,923.7594% | 32 |
| Efficiency ratio | 52.5118% | 4,759 |
| Assets per employee ($millions) | 6.0588% | 1,449 |
| Cash dividends to net income (ytd only)* | 46.8305% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 1,813 |
| Loan loss allowance to noncurrent loans | 1,657.1429% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 4,723 |
| Noncurrent loans to loans | 0.0827% | 4,507 |
| Net loans and leases to total assets | 58.2696% | 4,010 |
| Net loans and leases to deposits | 69.4450% | 3,965 |
| Net loans and leases to core deposits | 70.7102% | 4,146 |
| Total domestic deposits to total assets | 83.9076% | 2,979 |
| Equity capital to assets | 14.4063% | 851 |
| Core capital (leverage) ratio | 15.1222% | 674 |
| Tier 1 risk-based capital ratio | 23.0266% | 934 |
| Total risk-based capital ratio | 24.2683% | 911 |
| Memoranda: | ||
| Average total assets | $157,241,750 | 3,342 |
| Average earning assets | $150,462,250 | 3,267 |
| Average equity | $22,559,750 | 2,868 |
| Average total loans | $91,854,250 | 3,465 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7590% | 4,448 |
| Cost of funding earning assets | 0.4337% | 3,472 |
| Net interest margin | 3.3253% | 4,177 |
| Noninterest income to average assets | 0.2456% | 4,536 |
| Noninterest expense to average assets | 1.8823% | 4,981 |
| Loan and lease loss provision to assets | 0.0573% | 2,765 |
| Net operating income to assets | 1.4218% | 1,359 |
| Return on assets (ROA) | 1.4254% | 1,351 |
| Pretax return on assets | 1.5005% | 1,813 |
| Return on Equity (ROE) | 9.9489% | 2,583 |
| Retained earnings to average equity (ytd only) | 5.2410% | 2,960 |
| Net charge-offs to loans | 0.0022% | 3,128 |
| Credit loss provision to net charge-offs | 4,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 1,221.0000% | 63 |
| Efficiency ratio | 54.7778% | 4,611 |
| Assets per employee ($millions) | 5.7403% | 1,687 |
| Cash dividends to net income (ytd only)* | 47.3214% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 1,854 |
| Loan loss allowance to noncurrent loans | 1,002.4000% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 4,607 |
| Noncurrent loans to loans | 0.1367% | 4,294 |
| Net loans and leases to total assets | 58.2004% | 3,974 |
| Net loans and leases to deposits | 69.5040% | 3,902 |
| Net loans and leases to core deposits | 70.7913% | 4,101 |
| Total domestic deposits to total assets | 83.7367% | 3,157 |
| Equity capital to assets | 14.5535% | 791 |
| Core capital (leverage) ratio | 14.8528% | 701 |
| Tier 1 risk-based capital ratio | 23.1256% | 922 |
| Total risk-based capital ratio | 24.3681% | 906 |
| Memoranda: | ||
| Average total assets | $157,146,330 | 3,356 |
| Average earning assets | $150,784,330 | 3,286 |
| Average equity | $22,515,000 | 2,885 |
| Average total loans | $91,450,000 | 3,488 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6991% | 4,468 |
| Cost of funding earning assets | 0.4075% | 3,530 |
| Net interest margin | 3.2916% | 4,214 |
| Noninterest income to average assets | 0.2376% | 4,583 |
| Noninterest expense to average assets | 2.0376% | 4,776 |
| Loan and lease loss provision to assets | 0.0556% | 2,655 |
| Net operating income to assets | 1.2442% | 1,833 |
| Return on assets (ROA) | 1.2514% | 1,816 |
| Pretax return on assets | 1.3171% | 2,298 |
| Return on Equity (ROE) | 8.8022% | 3,006 |
| Retained earnings to average equity (ytd only) | 8.8022% | 1,539 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8811% | 4,083 |
| Assets per employee ($millions) | 6.0433% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 2,081 |
| Loan loss allowance to noncurrent loans | 831.7568% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 4,625 |
| Noncurrent loans to loans | 0.1606% | 4,258 |
| Net loans and leases to total assets | 57.8831% | 3,948 |
| Net loans and leases to deposits | 68.8848% | 3,886 |
| Net loans and leases to core deposits | 70.1358% | 4,075 |
| Total domestic deposits to total assets | 84.0288% | 3,320 |
| Equity capital to assets | 14.3152% | 813 |
| Core capital (leverage) ratio | 14.7475% | 699 |
| Tier 1 risk-based capital ratio | 22.3381% | 1,012 |
| Total risk-based capital ratio | 23.5219% | 1,000 |
| Memoranda: | ||
| Average total assets | $158,226,000 | 3,382 |
| Average earning assets | $152,146,500 | 3,296 |
| Average equity | $22,494,500 | 2,912 |
| Average total loans | $91,447,000 | 3,517 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6344% | 4,493 |
| Cost of funding earning assets | 0.3806% | 3,420 |
| Net interest margin | 3.2537% | 4,297 |
| Noninterest income to average assets | 0.2729% | 4,495 |
| Noninterest expense to average assets | 1.7543% | 5,278 |
| Loan and lease loss provision to assets | 0.0478% | 3,269 |
| Net operating income to assets | 1.5042% | 797 |
| Return on assets (ROA) | 1.5024% | 815 |
| Pretax return on assets | 1.5815% | 1,343 |
| Return on Equity (ROE) | 10.7127% | 1,583 |
| Retained earnings to average equity (ytd only) | 6.2339% | 1,419 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8177% | 5,114 |
| Assets per employee ($millions) | 6.1279% | 1,428 |
| Cash dividends to net income (ytd only)* | 41.8081% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 2,061 |
| Loan loss allowance to noncurrent loans | 982.9268% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 4,733 |
| Noncurrent loans to loans | 0.1356% | 4,384 |
| Net loans and leases to total assets | 56.1770% | 4,174 |
| Net loans and leases to deposits | 67.9884% | 4,029 |
| Net loans and leases to core deposits | 69.0862% | 4,228 |
| Total domestic deposits to total assets | 82.6273% | 3,683 |
| Equity capital to assets | 14.1196% | 872 |
| Core capital (leverage) ratio | 14.0202% | 827 |
| Tier 1 risk-based capital ratio | 21.8508% | 1,038 |
| Total risk-based capital ratio | 23.0129% | 1,025 |
| Memoranda: | ||
| Average total assets | $156,812,400 | 3,392 |
| Average earning assets | $150,011,600 | 3,324 |
| Average equity | $21,992,600 | 2,955 |
| Average total loans | $88,961,600 | 3,543 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6115% | 4,530 |
| Cost of funding earning assets | 0.3760% | 3,415 |
| Net interest margin | 3.2355% | 4,372 |
| Noninterest income to average assets | 0.2570% | 4,663 |
| Noninterest expense to average assets | 1.7773% | 5,298 |
| Loan and lease loss provision to assets | 0.0478% | 3,145 |
| Net operating income to assets | 1.4486% | 996 |
| Return on assets (ROA) | 1.4470% | 1,012 |
| Pretax return on assets | 1.5229% | 1,695 |
| Return on Equity (ROE) | 10.3351% | 1,974 |
| Retained earnings to average equity (ytd only) | 5.9450% | 2,281 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0581% | 5,006 |
| Assets per employee ($millions) | 6.1798% | 1,394 |
| Cash dividends to net income (ytd only)* | 42.4781% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 2,267 |
| Loan loss allowance to noncurrent loans | 1,239.5833% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 4,936 |
| Noncurrent loans to loans | 0.1064% | 4,633 |
| Net loans and leases to total assets | 55.3922% | 4,286 |
| Net loans and leases to deposits | 65.9460% | 4,258 |
| Net loans and leases to core deposits | 66.9828% | 4,423 |
| Total domestic deposits to total assets | 83.9964% | 3,127 |
| Equity capital to assets | 14.0481% | 979 |
| Core capital (leverage) ratio | 14.1649% | 846 |
| Tier 1 risk-based capital ratio | 21.6357% | 1,096 |
| Total risk-based capital ratio | 22.7883% | 1,089 |
| Memoranda: | ||
| Average total assets | $156,184,250 | 3,426 |
| Average earning assets | $149,296,500 | 3,360 |
| Average equity | $21,866,750 | 2,988 |
| Average total loans | $88,523,750 | 3,587 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6008% | 4,510 |
| Cost of funding earning assets | 0.3798% | 3,293 |
| Net interest margin | 3.2210% | 4,350 |
| Noninterest income to average assets | 0.2676% | 4,626 |
| Noninterest expense to average assets | 1.8424% | 5,267 |
| Loan and lease loss provision to assets | 0.0478% | 3,037 |
| Net operating income to assets | 1.3846% | 1,102 |
| Return on assets (ROA) | 1.3821% | 1,129 |
| Pretax return on assets | 1.4558% | 1,807 |
| Return on Equity (ROE) | 9.8837% | 2,090 |
| Retained earnings to average equity (ytd only) | 5.4457% | 2,441 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0193% | 4,921 |
| Assets per employee ($millions) | 6.1821% | 1,332 |
| Cash dividends to net income (ytd only)* | 44.9018% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 2,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 56.6495% | 4,161 |
| Net loans and leases to deposits | 67.7922% | 4,090 |
| Net loans and leases to core deposits | 69.3967% | 4,264 |
| Total domestic deposits to total assets | 83.5635% | 3,380 |
| Equity capital to assets | 14.3913% | 854 |
| Core capital (leverage) ratio | 14.1264% | 824 |
| Tier 1 risk-based capital ratio | 21.6813% | 1,089 |
| Total risk-based capital ratio | 22.8379% | 1,079 |
| Memoranda: | ||
| Average total assets | $154,687,000 | 3,457 |
| Average earning assets | $147,968,670 | 3,397 |
| Average equity | $21,631,670 | 3,018 |
| Average total loans | $87,967,670 | 3,617 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5344% | 4,590 |
| Cost of funding earning assets | 0.3780% | 3,223 |
| Net interest margin | 3.1564% | 4,479 |
| Noninterest income to average assets | 0.2611% | 4,667 |
| Noninterest expense to average assets | 1.9851% | 5,086 |
| Loan and lease loss provision to assets | 0.0491% | 2,827 |
| Net operating income to assets | 1.1863% | 1,538 |
| Return on assets (ROA) | 1.1838% | 1,583 |
| Pretax return on assets | 1.2458% | 2,427 |
| Return on Equity (ROE) | 8.5903% | 2,620 |
| Retained earnings to average equity (ytd only) | 8.5903% | 1,237 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4724% | 4,403 |
| Assets per employee ($millions) | 6.2274% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 2,500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 55.8632% | 4,192 |
| Net loans and leases to deposits | 66.4471% | 4,133 |
| Net loans and leases to core deposits | 68.1898% | 4,279 |
| Total domestic deposits to total assets | 84.0716% | 3,448 |
| Equity capital to assets | 13.9199% | 926 |
| Core capital (leverage) ratio | 14.1739% | 794 |
| Tier 1 risk-based capital ratio | 21.6489% | 1,126 |
| Total risk-based capital ratio | 22.7928% | 1,127 |
| Memoranda: | ||
| Average total assets | $154,754,500 | 3,494 |
| Average earning assets | $148,143,000 | 3,423 |
| Average equity | $21,326,500 | 3,052 |
| Average total loans | $87,589,500 | 3,655 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5375% | 4,671 |
| Cost of funding earning assets | 0.3784% | 3,223 |
| Net interest margin | 3.1591% | 4,566 |
| Noninterest income to average assets | 0.2780% | 4,755 |
| Noninterest expense to average assets | 1.7849% | 5,487 |
| Loan and lease loss provision to assets | 0.0488% | 3,418 |
| Net operating income to assets | 1.3831% | 1,041 |
| Return on assets (ROA) | 1.3844% | 1,079 |
| Pretax return on assets | 1.4573% | 1,727 |
| Return on Equity (ROE) | 10.0181% | 1,950 |
| Retained earnings to average equity (ytd only) | 5.8478% | 1,793 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2557% | 5,224 |
| Assets per employee ($millions) | 6.1530% | 1,369 |
| Cash dividends to net income (ytd only)* | 41.6275% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 2,529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 55.8570% | 4,277 |
| Net loans and leases to deposits | 66.2038% | 4,227 |
| Net loans and leases to core deposits | 67.8191% | 4,412 |
| Total domestic deposits to total assets | 84.3712% | 3,284 |
| Equity capital to assets | 13.6402% | 999 |
| Core capital (leverage) ratio | 13.7962% | 871 |
| Tier 1 risk-based capital ratio | 21.4674% | 1,142 |
| Total risk-based capital ratio | 22.6070% | 1,140 |
| Memoranda: | ||
| Average total assets | $153,570,200 | 3,464 |
| Average earning assets | $146,401,800 | 3,414 |
| Average equity | $21,221,600 | 3,047 |
| Average total loans | $85,765,400 | 3,669 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5231% | 4,747 |
| Cost of funding earning assets | 0.3771% | 3,258 |
| Net interest margin | 3.1460% | 4,657 |
| Noninterest income to average assets | 0.2640% | 4,884 |
| Noninterest expense to average assets | 1.8040% | 5,512 |
| Loan and lease loss provision to assets | 0.0486% | 3,274 |
| Net operating income to assets | 1.3412% | 1,186 |
| Return on assets (ROA) | 1.3775% | 1,177 |
| Pretax return on assets | 1.4496% | 1,879 |
| Return on Equity (ROE) | 9.9364% | 2,078 |
| Retained earnings to average equity (ytd only) | 6.1460% | 2,096 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2688% | 5,128 |
| Assets per employee ($millions) | 6.1652% | 1,319 |
| Cash dividends to net income (ytd only)* | 38.1465% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 2,896 |
| Loan loss allowance to noncurrent loans | 5,575.0000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 5,471 |
| Noncurrent loans to loans | 0.0226% | 5,298 |
| Net loans and leases to total assets | 56.6827% | 4,231 |
| Net loans and leases to deposits | 68.9461% | 4,069 |
| Net loans and leases to core deposits | 70.6676% | 4,273 |
| Total domestic deposits to total assets | 82.2131% | 3,875 |
| Equity capital to assets | 14.1802% | 974 |
| Core capital (leverage) ratio | 13.6936% | 943 |
| Tier 1 risk-based capital ratio | 20.9154% | 1,286 |
| Total risk-based capital ratio | 22.0206% | 1,282 |
| Memoranda: | ||
| Average total assets | $153,506,500 | 3,483 |
| Average earning assets | $146,383,750 | 3,425 |
| Average equity | $21,281,500 | 3,064 |
| Average total loans | $85,442,750 | 3,698 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4974% | 4,871 |
| Cost of funding earning assets | 0.3722% | 3,339 |
| Net interest margin | 3.1252% | 4,761 |
| Noninterest income to average assets | 0.2766% | 4,802 |
| Noninterest expense to average assets | 1.8448% | 5,541 |
| Loan and lease loss provision to assets | 0.0483% | 3,184 |
| Net operating income to assets | 1.2948% | 1,280 |
| Return on assets (ROA) | 1.3307% | 1,289 |
| Pretax return on assets | 1.4012% | 2,023 |
| Return on Equity (ROE) | 9.6728% | 2,191 |
| Retained earnings to average equity (ytd only) | 5.9270% | 2,161 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6506% | 5,060 |
| Assets per employee ($millions) | 6.1198% | 1,320 |
| Cash dividends to net income (ytd only)* | 38.7255% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 2,932 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 55.5309% | 4,357 |
| Net loans and leases to deposits | 66.4274% | 4,316 |
| Net loans and leases to core deposits | 67.8741% | 4,486 |
| Total domestic deposits to total assets | 83.5963% | 3,426 |
| Equity capital to assets | 14.1866% | 968 |
| Core capital (leverage) ratio | 13.4753% | 993 |
| Tier 1 risk-based capital ratio | 21.0606% | 1,258 |
| Total risk-based capital ratio | 22.1732% | 1,264 |
| Memoranda: | ||
| Average total assets | $153,298,670 | 3,503 |
| Average earning assets | $146,166,670 | 3,453 |
| Average equity | $21,090,000 | 3,089 |
| Average total loans | $84,430,330 | 3,735 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4297% | 5,051 |
| Cost of funding earning assets | 0.3701% | 3,396 |
| Net interest margin | 3.0596% | 4,973 |
| Noninterest income to average assets | 0.2737% | 4,771 |
| Noninterest expense to average assets | 1.9811% | 5,378 |
| Loan and lease loss provision to assets | 0.0469% | 2,980 |
| Net operating income to assets | 1.0974% | 1,914 |
| Return on assets (ROA) | 1.0974% | 2,011 |
| Pretax return on assets | 1.1548% | 2,871 |
| Return on Equity (ROE) | 8.1030% | 2,853 |
| Retained earnings to average equity (ytd only) | 8.1030% | 1,412 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2441% | 4,418 |
| Assets per employee ($millions) | 5.6722% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 2,991 |
| Loan loss allowance to noncurrent loans | 1,923.2143% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 5,111 |
| Noncurrent loans to loans | 0.0667% | 5,208 |
| Net loans and leases to total assets | 54.0992% | 4,442 |
| Net loans and leases to deposits | 64.2984% | 4,415 |
| Net loans and leases to core deposits | 65.8253% | 4,542 |
| Total domestic deposits to total assets | 84.1378% | 3,465 |
| Equity capital to assets | 13.7943% | 1,052 |
| Core capital (leverage) ratio | 13.4834% | 991 |
| Tier 1 risk-based capital ratio | 23.4252% | 973 |
| Total risk-based capital ratio | 24.6533% | 966 |
| Memoranda: | ||
| Average total assets | $153,450,000 | 3,527 |
| Average earning assets | $145,903,000 | 3,479 |
| Average equity | $20,782,500 | 3,120 |
| Average total loans | $83,617,500 | 3,769 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4477% | 5,048 |
| Cost of funding earning assets | 0.3709% | 3,477 |
| Net interest margin | 3.0768% | 4,956 |
| Noninterest income to average assets | 0.2837% | 4,860 |
| Noninterest expense to average assets | 1.8363% | 5,693 |
| Loan and lease loss provision to assets | 0.0599% | 3,105 |
| Net operating income to assets | 1.2397% | 1,422 |
| Return on assets (ROA) | 1.2429% | 1,461 |
| Pretax return on assets | 1.3081% | 2,247 |
| Return on Equity (ROE) | 9.3736% | 2,282 |
| Retained earnings to average equity (ytd only) | 5.7317% | 1,940 |
| Net charge-offs to loans | 0.0049% | 4,278 |
| Credit loss provision to net charge-offs | 2,250.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 512.2500% | 128 |
| Efficiency ratio | 57.3658% | 5,216 |
| Assets per employee ($millions) | 5.6944% | 1,620 |
| Cash dividends to net income (ytd only)* | 38.8532% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 3,061 |
| Loan loss allowance to noncurrent loans | 468.5841% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2452% | 4,614 |
| Noncurrent loans to loans | 0.2713% | 4,480 |
| Net loans and leases to total assets | 53.4933% | 4,544 |
| Net loans and leases to deposits | 63.8863% | 4,475 |
| Net loans and leases to core deposits | 65.4039% | 4,638 |
| Total domestic deposits to total assets | 83.7320% | 3,581 |
| Equity capital to assets | 13.2937% | 1,217 |
| Core capital (leverage) ratio | 13.1739% | 1,083 |
| Tier 1 risk-based capital ratio | 22.5974% | 1,068 |
| Total risk-based capital ratio | 23.7866% | 1,056 |
| Memoranda: | ||
| Average total assets | $150,136,200 | 3,569 |
| Average earning assets | $142,356,000 | 3,511 |
| Average equity | $19,907,000 | 3,182 |
| Average total loans | $81,958,400 | 3,777 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4391% | 5,119 |
| Cost of funding earning assets | 0.3684% | 3,567 |
| Net interest margin | 3.0707% | 5,034 |
| Noninterest income to average assets | 0.2716% | 4,994 |
| Noninterest expense to average assets | 1.8646% | 5,689 |
| Loan and lease loss provision to assets | 0.0608% | 2,967 |
| Net operating income to assets | 1.1948% | 1,669 |
| Return on assets (ROA) | 1.1990% | 1,718 |
| Pretax return on assets | 1.2624% | 2,545 |
| Return on Equity (ROE) | 9.0487% | 2,549 |
| Retained earnings to average equity (ytd only) | 5.3672% | 2,666 |
| Net charge-offs to loans | 0.0065% | 3,944 |
| Credit loss provision to net charge-offs | 1,700.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 369.2214% | 203 |
| Efficiency ratio | 58.5742% | 5,054 |
| Assets per employee ($millions) | 5.3742% | 1,886 |
| Cash dividends to net income (ytd only)* | 40.6854% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 3,376 |
| Loan loss allowance to noncurrent loans | 508.3333% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 5,210 |
| Noncurrent loans to loans | 0.2457% | 4,695 |
| Net loans and leases to total assets | 54.4940% | 4,514 |
| Net loans and leases to deposits | 66.1864% | 4,370 |
| Net loans and leases to core deposits | 67.8204% | 4,560 |
| Total domestic deposits to total assets | 82.3342% | 4,061 |
| Equity capital to assets | 13.4280% | 1,265 |
| Core capital (leverage) ratio | 13.3117% | 1,091 |
| Tier 1 risk-based capital ratio | 19.8676% | 1,586 |
| Total risk-based capital ratio | 20.9094% | 1,601 |
| Memoranda: | ||
| Average total assets | $149,232,750 | 3,612 |
| Average earning assets | $141,506,750 | 3,551 |
| Average equity | $19,774,000 | 3,226 |
| Average total loans | $81,621,750 | 3,815 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4178% | 5,189 |
| Cost of funding earning assets | 0.3651% | 3,646 |
| Net interest margin | 3.0526% | 5,085 |
| Noninterest income to average assets | 0.2768% | 4,964 |
| Noninterest expense to average assets | 1.8936% | 5,721 |
| Loan and lease loss provision to assets | 0.0605% | 2,894 |
| Net operating income to assets | 1.1603% | 1,744 |
| Return on assets (ROA) | 1.1692% | 1,775 |
| Pretax return on assets | 1.2310% | 2,647 |
| Return on Equity (ROE) | 8.8640% | 2,626 |
| Retained earnings to average equity (ytd only) | 5.2165% | 2,724 |
| Net charge-offs to loans | 0.0173% | 3,362 |
| Credit loss provision to net charge-offs | 642.8571% | 521 |
| Earnings coverage of net charge-offs (x) | 136.2857% | 465 |
| Efficiency ratio | 59.6276% | 5,032 |
| Assets per employee ($millions) | 5.4625% | 1,773 |
| Cash dividends to net income (ytd only)* | 41.1494% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 3,491 |
| Loan loss allowance to noncurrent loans | 2,407.1429% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 5,767 |
| Noncurrent loans to loans | 0.0521% | 5,536 |
| Net loans and leases to total assets | 54.0244% | 4,554 |
| Net loans and leases to deposits | 63.8940% | 4,550 |
| Net loans and leases to core deposits | 65.4598% | 4,700 |
| Total domestic deposits to total assets | 84.5532% | 3,318 |
| Equity capital to assets | 13.3151% | 1,256 |
| Core capital (leverage) ratio | 13.1406% | 1,119 |
| Tier 1 risk-based capital ratio | 20.3491% | 1,475 |
| Total risk-based capital ratio | 21.4045% | 1,489 |
| Memoranda: | ||
| Average total assets | $148,818,000 | 3,646 |
| Average earning assets | $141,320,330 | 3,581 |
| Average equity | $19,630,000 | 3,254 |
| Average total loans | $81,149,670 | 3,844 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3865% | 5,232 |
| Cost of funding earning assets | 0.3647% | 3,698 |
| Net interest margin | 3.0218% | 5,152 |
| Noninterest income to average assets | 0.2676% | 5,037 |
| Noninterest expense to average assets | 2.0016% | 5,578 |
| Loan and lease loss provision to assets | 0.0589% | 2,753 |
| Net operating income to assets | 1.0142% | 2,197 |
| Return on assets (ROA) | 1.0142% | 2,332 |
| Pretax return on assets | 1.0677% | 3,227 |
| Return on Equity (ROE) | 7.7244% | 3,108 |
| Retained earnings to average equity (ytd only) | 7.7244% | 1,674 |
| Net charge-offs to loans | 0.0344% | 2,518 |
| Credit loss provision to net charge-offs | 314.2857% | 784 |
| Earnings coverage of net charge-offs (x) | 60.1429% | 735 |
| Efficiency ratio | 63.9863% | 4,485 |
| Assets per employee ($millions) | 5.0080% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 3,825 |
| Loan loss allowance to noncurrent loans | 2,744.4444% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 5,848 |
| Noncurrent loans to loans | 0.0445% | 5,601 |
| Net loans and leases to total assets | 53.1373% | 4,539 |
| Net loans and leases to deposits | 62.7961% | 4,498 |
| Net loans and leases to core deposits | 64.3040% | 4,667 |
| Total domestic deposits to total assets | 84.6187% | 3,575 |
| Equity capital to assets | 13.2787% | 1,266 |
| Core capital (leverage) ratio | 12.9942% | 1,159 |
| Tier 1 risk-based capital ratio | 19.5514% | 1,725 |
| Total risk-based capital ratio | 20.5492% | 1,746 |
| Memoranda: | ||
| Average total assets | $149,483,500 | 3,664 |
| Average earning assets | $141,505,000 | 3,598 |
| Average equity | $19,626,000 | 3,271 |
| Average total loans | $81,379,500 | 3,850 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3698% | 5,587 |
| Cost of funding earning assets | 0.3682% | 4,056 |
| Net interest margin | 3.0016% | 5,447 |
| Noninterest income to average assets | 0.2767% | 5,135 |
| Noninterest expense to average assets | 1.8100% | 6,056 |
| Loan and lease loss provision to assets | 0.0596% | 3,339 |
| Net operating income to assets | 1.1885% | 1,619 |
| Return on assets (ROA) | 1.1910% | 1,681 |
| Pretax return on assets | 1.2539% | 2,424 |
| Return on Equity (ROE) | 9.6723% | 2,265 |
| Retained earnings to average equity (ytd only) | 6.3926% | 1,712 |
| Net charge-offs to loans | 0.0026% | 4,915 |
| Credit loss provision to net charge-offs | 4,500.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 990.0000% | 42 |
| Efficiency ratio | 57.2550% | 5,539 |
| Assets per employee ($millions) | 5.1285% | 2,154 |
| Cash dividends to net income (ytd only)* | 33.9077% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 4,082 |
| Loan loss allowance to noncurrent loans | 9,730.0000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 6,059 |
| Noncurrent loans to loans | 0.0122% | 5,863 |
| Net loans and leases to total assets | 54.4384% | 4,522 |
| Net loans and leases to deposits | 65.6616% | 4,363 |
| Net loans and leases to core deposits | 66.8980% | 4,604 |
| Total domestic deposits to total assets | 82.9075% | 4,114 |
| Equity capital to assets | 12.9782% | 1,383 |
| Core capital (leverage) ratio | 12.8070% | 1,210 |
| Tier 1 risk-based capital ratio | 19.4761% | 1,731 |
| Total risk-based capital ratio | 20.4745% | 1,755 |
| Memoranda: | ||
| Average total assets | $151,049,800 | 3,617 |
| Average earning assets | $143,123,200 | 3,552 |
| Average equity | $18,599,600 | 3,337 |
| Average total loans | $77,423,200 | 3,956 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3428% | 5,686 |
| Cost of funding earning assets | 0.3671% | 4,157 |
| Net interest margin | 2.9757% | 5,551 |
| Noninterest income to average assets | 0.2576% | 5,379 |
| Noninterest expense to average assets | 1.8254% | 6,057 |
| Loan and lease loss provision to assets | 0.0598% | 3,164 |
| Net operating income to assets | 1.1285% | 1,939 |
| Return on assets (ROA) | 1.1352% | 1,978 |
| Pretax return on assets | 1.1950% | 2,796 |
| Return on Equity (ROE) | 9.3427% | 2,526 |
| Retained earnings to average equity (ytd only) | 6.0137% | 2,399 |
| Net charge-offs to loans | 0.0035% | 4,580 |
| Credit loss provision to net charge-offs | 3,400.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 708.5955% | 107 |
| Efficiency ratio | 58.3977% | 5,392 |
| Assets per employee ($millions) | 5.3000% | 1,903 |
| Cash dividends to net income (ytd only)* | 35.6314% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 4,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 52.8716% | 4,713 |
| Net loans and leases to deposits | 63.8401% | 4,559 |
| Net loans and leases to core deposits | 65.7433% | 4,733 |
| Total domestic deposits to total assets | 82.8188% | 4,199 |
| Equity capital to assets | 12.7991% | 1,522 |
| Core capital (leverage) ratio | 12.3200% | 1,501 |
| Tier 1 risk-based capital ratio | 19.5230% | 1,775 |
| Total risk-based capital ratio | 20.5200% | 1,807 |
| Memoranda: | ||
| Average total assets | $151,630,750 | 3,632 |
| Average earning assets | $143,468,750 | 3,584 |
| Average equity | $18,424,000 | 3,375 |
| Average total loans | $76,294,750 | 4,022 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2897% | 5,810 |
| Cost of funding earning assets | 0.3663% | 4,250 |
| Net interest margin | 2.9234% | 5,689 |
| Noninterest income to average assets | 0.2593% | 5,340 |
| Noninterest expense to average assets | 1.8493% | 6,075 |
| Loan and lease loss provision to assets | 0.0589% | 3,096 |
| Net operating income to assets | 1.0546% | 2,108 |
| Return on assets (ROA) | 1.0857% | 2,047 |
| Pretax return on assets | 1.1434% | 2,915 |
| Return on Equity (ROE) | 9.0929% | 2,547 |
| Retained earnings to average equity (ytd only) | 5.8023% | 2,446 |
| Net charge-offs to loans | 0.0080% | 4,125 |
| Credit loss provision to net charge-offs | 1,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 297.6667% | 230 |
| Efficiency ratio | 60.1302% | 5,276 |
| Assets per employee ($millions) | 5.1058% | 2,086 |
| Cash dividends to net income (ytd only)* | 36.1882% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 4,221 |
| Loan loss allowance to noncurrent loans | 1,404.5455% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 6,065 |
| Noncurrent loans to loans | 0.0882% | 5,750 |
| Net loans and leases to total assets | 48.2491% | 5,154 |
| Net loans and leases to deposits | 57.3343% | 5,094 |
| Net loans and leases to core deposits | 59.5384% | 5,159 |
| Total domestic deposits to total assets | 84.1540% | 3,873 |
| Equity capital to assets | 12.2429% | 1,817 |
| Core capital (leverage) ratio | 12.1251% | 1,588 |
| Tier 1 risk-based capital ratio | 19.7032% | 1,763 |
| Total risk-based capital ratio | 20.7007% | 1,784 |
| Memoranda: | ||
| Average total assets | $152,707,330 | 3,641 |
| Average earning assets | $144,148,000 | 3,597 |
| Average equity | $18,234,000 | 3,398 |
| Average total loans | $75,255,330 | 4,066 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2677% | 5,903 |
| Cost of funding earning assets | 0.3668% | 4,357 |
| Net interest margin | 2.9009% | 5,751 |
| Noninterest income to average assets | 0.2702% | 5,208 |
| Noninterest expense to average assets | 1.9649% | 5,947 |
| Loan and lease loss provision to assets | 0.0577% | 2,963 |
| Net operating income to assets | 0.9379% | 2,467 |
| Return on assets (ROA) | 0.9628% | 2,410 |
| Pretax return on assets | 1.0126% | 3,275 |
| Return on Equity (ROE) | 8.1671% | 2,857 |
| Retained earnings to average equity (ytd only) | 8.1671% | 1,546 |
| Net charge-offs to loans | 0.0159% | 3,273 |
| Credit loss provision to net charge-offs | 733.3333% | 403 |
| Earnings coverage of net charge-offs (x) | 132.6667% | 372 |
| Efficiency ratio | 64.1674% | 4,835 |
| Assets per employee ($millions) | 5.1030% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 4,562 |
| Loan loss allowance to noncurrent loans | 3,616.0000% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 6,267 |
| Noncurrent loans to loans | 0.0337% | 6,049 |
| Net loans and leases to total assets | 47.9270% | 5,138 |
| Net loans and leases to deposits | 55.9302% | 5,120 |
| Net loans and leases to core deposits | 57.9375% | 5,207 |
| Total domestic deposits to total assets | 85.6909% | 3,520 |
| Equity capital to assets | 11.9275% | 1,918 |
| Core capital (leverage) ratio | 11.9912% | 1,658 |
| Tier 1 risk-based capital ratio | 19.1796% | 1,912 |
| Total risk-based capital ratio | 20.1356% | 1,962 |
| Memoranda: | ||
| Average total assets | $152,474,000 | 3,670 |
| Average earning assets | $143,956,000 | 3,624 |
| Average equity | $17,974,500 | 3,432 |
| Average total loans | $75,467,000 | 4,082 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4127% | 5,817 |
| Cost of funding earning assets | 0.4114% | 4,526 |
| Net interest margin | 3.0013% | 5,576 |
| Noninterest income to average assets | 0.2812% | 5,347 |
| Noninterest expense to average assets | 1.8123% | 6,301 |
| Loan and lease loss provision to assets | 0.0604% | 3,934 |
| Net operating income to assets | 1.1587% | 1,725 |
| Return on assets (ROA) | 1.1746% | 1,723 |
| Pretax return on assets | 1.2364% | 2,433 |
| Return on Equity (ROE) | 9.8984% | 2,154 |
| Retained earnings to average equity (ytd only) | 6.4368% | 1,720 |
| Net charge-offs to loans | 0.0289% | 4,846 |
| Credit loss provision to net charge-offs | 409.0909% | 557 |
| Earnings coverage of net charge-offs (x) | 86.6818% | 522 |
| Efficiency ratio | 57.4560% | 5,796 |
| Assets per employee ($millions) | 5.0619% | 2,113 |
| Cash dividends to net income (ytd only)* | 34.9714% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 4,889 |
| Loan loss allowance to noncurrent loans | 2,950.0000% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 6,347 |
| Noncurrent loans to loans | 0.0391% | 6,129 |
| Net loans and leases to total assets | 49.8976% | 5,092 |
| Net loans and leases to deposits | 58.0449% | 5,119 |
| Net loans and leases to core deposits | 60.3293% | 5,198 |
| Total domestic deposits to total assets | 85.9638% | 3,273 |
| Equity capital to assets | 11.6485% | 2,065 |
| Core capital (leverage) ratio | 12.0107% | 1,603 |
| Tier 1 risk-based capital ratio | 18.3872% | 2,120 |
| Total risk-based capital ratio | 19.3037% | 2,195 |
| Memoranda: | ||
| Average total assets | $148,982,600 | 3,723 |
| Average earning assets | $139,539,600 | 3,672 |
| Average equity | $17,679,600 | 3,472 |
| Average total loans | $76,134,400 | 4,054 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4381% | 5,803 |
| Cost of funding earning assets | 0.4236% | 4,573 |
| Net interest margin | 3.0145% | 5,558 |
| Noninterest income to average assets | 0.2725% | 5,496 |
| Noninterest expense to average assets | 1.8516% | 6,255 |
| Loan and lease loss provision to assets | 0.0611% | 3,823 |
| Net operating income to assets | 1.1168% | 1,948 |
| Return on assets (ROA) | 1.1484% | 1,896 |
| Pretax return on assets | 1.2086% | 2,659 |
| Return on Equity (ROE) | 9.6317% | 2,337 |
| Retained earnings to average equity (ytd only) | 7.3237% | 1,724 |
| Net charge-offs to loans | 0.0368% | 4,407 |
| Credit loss provision to net charge-offs | 323.8095% | 793 |
| Earnings coverage of net charge-offs (x) | 65.4746% | 701 |
| Efficiency ratio | 58.8235% | 5,581 |
| Assets per employee ($millions) | 5.0692% | 2,086 |
| Cash dividends to net income (ytd only)* | 23.9625% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 5,157 |
| Loan loss allowance to noncurrent loans | 2,787.0968% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 6,427 |
| Noncurrent loans to loans | 0.0409% | 6,221 |
| Net loans and leases to total assets | 50.9217% | 5,014 |
| Net loans and leases to deposits | 59.7729% | 4,999 |
| Net loans and leases to core deposits | 62.3005% | 5,082 |
| Total domestic deposits to total assets | 85.1920% | 3,639 |
| Equity capital to assets | 12.0170% | 1,906 |
| Core capital (leverage) ratio | 12.1160% | 1,606 |
| Tier 1 risk-based capital ratio | 18.4768% | 2,152 |
| Total risk-based capital ratio | 19.3851% | 2,235 |
| Memoranda: | ||
| Average total assets | $148,264,000 | 3,771 |
| Average earning assets | $138,482,750 | 3,724 |
| Average equity | $17,677,250 | 3,508 |
| Average total loans | $76,003,500 | 4,087 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4170% | 5,866 |
| Cost of funding earning assets | 0.4322% | 4,640 |
| Net interest margin | 2.9849% | 5,598 |
| Noninterest income to average assets | 0.2744% | 5,488 |
| Noninterest expense to average assets | 1.8832% | 6,254 |
| Loan and lease loss provision to assets | 0.0605% | 3,796 |
| Net operating income to assets | 1.0715% | 2,033 |
| Return on assets (ROA) | 1.1380% | 1,899 |
| Pretax return on assets | 1.1972% | 2,686 |
| Return on Equity (ROE) | 9.5696% | 2,386 |
| Retained earnings to average equity (ytd only) | 7.8389% | 1,551 |
| Net charge-offs to loans | 0.0026% | 4,873 |
| Credit loss provision to net charge-offs | 4,500.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 883.0000% | 38 |
| Efficiency ratio | 60.1840% | 5,461 |
| Assets per employee ($millions) | 4.8392% | 2,313 |
| Cash dividends to net income (ytd only)* | 18.0851% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 5,248 |
| Loan loss allowance to noncurrent loans | 812.2642% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 6,282 |
| Noncurrent loans to loans | 0.1415% | 5,969 |
| Net loans and leases to total assets | 51.0170% | 4,998 |
| Net loans and leases to deposits | 60.3678% | 4,934 |
| Net loans and leases to core deposits | 62.9748% | 5,008 |
| Total domestic deposits to total assets | 84.5104% | 4,124 |
| Equity capital to assets | 11.6776% | 2,150 |
| Core capital (leverage) ratio | 11.7474% | 1,768 |
| Tier 1 risk-based capital ratio | 18.3935% | 2,178 |
| Total risk-based capital ratio | 19.3098% | 2,260 |
| Memoranda: | ||
| Average total assets | $148,682,670 | 3,794 |
| Average earning assets | $139,301,670 | 3,732 |
| Average equity | $17,681,000 | 3,528 |
| Average total loans | $76,097,000 | 4,099 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4003% | 5,941 |
| Cost of funding earning assets | 0.4528% | 4,562 |
| Net interest margin | 2.9475% | 5,711 |
| Noninterest income to average assets | 0.2765% | 5,476 |
| Noninterest expense to average assets | 1.9517% | 6,197 |
| Loan and lease loss provision to assets | 0.0612% | 3,618 |
| Net operating income to assets | 0.9656% | 2,371 |
| Return on assets (ROA) | 0.9732% | 2,470 |
| Pretax return on assets | 1.0237% | 3,249 |
| Return on Equity (ROE) | 8.1131% | 2,914 |
| Retained earnings to average equity (ytd only) | 8.1131% | 1,712 |
| Net charge-offs to loans | 0.0052% | 4,061 |
| Credit loss provision to net charge-offs | 2,300.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 405.0000% | 84 |
| Efficiency ratio | 63.3011% | 5,117 |
| Assets per employee ($millions) | 4.7701% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 5,528 |
| Loan loss allowance to noncurrent loans | 693.3884% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 6,348 |
| Noncurrent loans to loans | 0.1613% | 5,992 |
| Net loans and leases to total assets | 50.1616% | 4,975 |
| Net loans and leases to deposits | 59.1866% | 4,892 |
| Net loans and leases to core deposits | 61.0675% | 5,049 |
| Total domestic deposits to total assets | 84.7517% | 4,156 |
| Equity capital to assets | 12.2680% | 1,856 |
| Core capital (leverage) ratio | 11.3583% | 1,969 |
| Tier 1 risk-based capital ratio | 18.1282% | 2,307 |
| Total risk-based capital ratio | 19.0258% | 2,418 |
| Memoranda: | ||
| Average total assets | $150,436,500 | 3,797 |
| Average earning assets | $140,456,500 | 3,760 |
| Average equity | $18,045,000 | 3,518 |
| Average total loans | $76,683,000 | 4,111 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 5,695 |
| Cost of funding earning assets | 0.6357% | 4,040 |
| Net interest margin | 3.2202% | 5,519 |
| Noninterest income to average assets | 0.3050% | 5,259 |
| Noninterest expense to average assets | 1.9735% | 6,381 |
| Loan and lease loss provision to assets | 0.0641% | 4,960 |
| Net operating income to assets | 1.1767% | 1,674 |
| Return on assets (ROA) | 1.1767% | 1,842 |
| Pretax return on assets | 1.2387% | 2,643 |
| Return on Equity (ROE) | 9.3875% | 2,445 |
| Retained earnings to average equity (ytd only) | 5.9191% | 2,129 |
| Net charge-offs to loans | 0.0542% | 5,174 |
| Credit loss provision to net charge-offs | 225.0000% | 1,108 |
| Earnings coverage of net charge-offs (x) | 45.7000% | 718 |
| Efficiency ratio | 59.0820% | 5,691 |
| Assets per employee ($millions) | 5.1000% | 2,100 |
| Cash dividends to net income (ytd only)* | 36.9473% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 5,786 |
| Loan loss allowance to noncurrent loans | 644.0945% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 6,389 |
| Noncurrent loans to loans | 0.1621% | 6,076 |
| Net loans and leases to total assets | 50.6755% | 5,078 |
| Net loans and leases to deposits | 60.0783% | 5,020 |
| Net loans and leases to core deposits | 61.9291% | 5,164 |
| Total domestic deposits to total assets | 84.3491% | 4,157 |
| Equity capital to assets | 11.7313% | 2,238 |
| Core capital (leverage) ratio | 11.2611% | 2,049 |
| Tier 1 risk-based capital ratio | 17.1993% | 2,558 |
| Total risk-based capital ratio | 18.0485% | 2,710 |
| Memoranda: | ||
| Average total assets | $140,306,600 | 3,944 |
| Average earning assets | $129,464,400 | 3,913 |
| Average equity | $17,587,200 | 3,522 |
| Average total loans | $73,765,000 | 4,216 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9392% | 5,688 |
| Cost of funding earning assets | 0.6721% | 3,999 |
| Net interest margin | 3.2670% | 5,492 |
| Noninterest income to average assets | 0.3004% | 5,376 |
| Noninterest expense to average assets | 2.0563% | 6,254 |
| Loan and lease loss provision to assets | 0.0661% | 4,870 |
| Net operating income to assets | 1.1376% | 1,960 |
| Return on assets (ROA) | 1.1376% | 2,151 |
| Pretax return on assets | 1.1978% | 2,996 |
| Return on Equity (ROE) | 8.9157% | 2,842 |
| Retained earnings to average equity (ytd only) | 6.6220% | 2,319 |
| Net charge-offs to loans | 0.0771% | 4,635 |
| Credit loss provision to net charge-offs | 161.9048% | 1,717 |
| Earnings coverage of net charge-offs (x) | 30.9516% | 1,071 |
| Efficiency ratio | 60.7613% | 5,361 |
| Assets per employee ($millions) | 4.7603% | 2,517 |
| Cash dividends to net income (ytd only)* | 25.7263% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 5,826 |
| Loan loss allowance to noncurrent loans | 147.1243% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 5,760 |
| Noncurrent loans to loans | 0.7274% | 4,972 |
| Net loans and leases to total assets | 51.3308% | 5,136 |
| Net loans and leases to deposits | 60.6047% | 5,137 |
| Net loans and leases to core deposits | 62.0692% | 5,355 |
| Total domestic deposits to total assets | 84.6977% | 3,888 |
| Equity capital to assets | 12.6631% | 1,790 |
| Core capital (leverage) ratio | 11.6110% | 1,902 |
| Tier 1 risk-based capital ratio | 17.1360% | 2,678 |
| Total risk-based capital ratio | 17.9656% | 2,852 |
| Memoranda: | ||
| Average total assets | $137,133,000 | 4,040 |
| Average earning assets | $126,757,750 | 4,001 |
| Average equity | $17,496,750 | 3,570 |
| Average total loans | $72,618,250 | 4,308 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9952% | 5,653 |
| Cost of funding earning assets | 0.7145% | 3,905 |
| Net interest margin | 3.2807% | 5,498 |
| Noninterest income to average assets | 0.3253% | 5,223 |
| Noninterest expense to average assets | 2.1502% | 6,123 |
| Loan and lease loss provision to assets | 0.0665% | 4,803 |
| Net operating income to assets | 1.0810% | 2,120 |
| Return on assets (ROA) | 1.0810% | 2,337 |
| Pretax return on assets | 1.1372% | 3,160 |
| Return on Equity (ROE) | 8.4504% | 3,043 |
| Retained earnings to average equity (ytd only) | 6.1731% | 2,587 |
| Net charge-offs to loans | 0.0693% | 4,458 |
| Credit loss provision to net charge-offs | 180.0000% | 1,567 |
| Earnings coverage of net charge-offs (x) | 32.5600% | 1,019 |
| Efficiency ratio | 62.9630% | 5,088 |
| Assets per employee ($millions) | 4.8207% | 2,406 |
| Cash dividends to net income (ytd only)* | 26.9494% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 5,849 |
| Loan loss allowance to noncurrent loans | 152.5194% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.3691% | 5,858 |
| Noncurrent loans to loans | 0.7109% | 5,083 |
| Net loans and leases to total assets | 51.3573% | 5,177 |
| Net loans and leases to deposits | 60.6347% | 5,181 |
| Net loans and leases to core deposits | 62.0228% | 5,384 |
| Total domestic deposits to total assets | 84.6995% | 4,002 |
| Equity capital to assets | 12.5981% | 1,752 |
| Core capital (leverage) ratio | 11.7131% | 1,778 |
| Tier 1 risk-based capital ratio | 17.0046% | 2,658 |
| Total risk-based capital ratio | 17.8393% | 2,829 |
| Memoranda: | ||
| Average total assets | $135,241,000 | 4,091 |
| Average earning assets | $124,849,670 | 4,055 |
| Average equity | $17,301,000 | 3,599 |
| Average total loans | $72,125,000 | 4,342 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0332% | 5,659 |
| Cost of funding earning assets | 0.7422% | 3,928 |
| Net interest margin | 3.2910% | 5,502 |
| Noninterest income to average assets | 0.3249% | 5,271 |
| Noninterest expense to average assets | 2.3435% | 5,651 |
| Loan and lease loss provision to assets | 0.0692% | 4,545 |
| Net operating income to assets | 0.9055% | 2,893 |
| Return on assets (ROA) | 0.9055% | 3,114 |
| Pretax return on assets | 0.9537% | 3,852 |
| Return on Equity (ROE) | 7.0223% | 3,774 |
| Retained earnings to average equity (ytd only) | 5.8558% | 3,039 |
| Net charge-offs to loans | 0.1113% | 3,460 |
| Credit loss provision to net charge-offs | 115.0000% | 2,057 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,325 |
| Efficiency ratio | 68.4540% | 4,078 |
| Assets per employee ($millions) | 4.6929% | 2,672 |
| Cash dividends to net income (ytd only)* | 16.6113% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 5,910 |
| Loan loss allowance to noncurrent loans | 147.3180% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3836% | 5,919 |
| Noncurrent loans to loans | 0.7463% | 5,174 |
| Net loans and leases to total assets | 50.8329% | 5,187 |
| Net loans and leases to deposits | 60.0787% | 5,136 |
| Net loans and leases to core deposits | 61.8916% | 5,339 |
| Total domestic deposits to total assets | 84.6105% | 4,212 |
| Equity capital to assets | 12.6487% | 1,627 |
| Core capital (leverage) ratio | 11.5683% | 1,856 |
| Tier 1 risk-based capital ratio | 17.2372% | 2,583 |
| Total risk-based capital ratio | 18.0795% | 2,706 |
| Memoranda: | ||
| Average total assets | $132,962,000 | 4,164 |
| Average earning assets | $122,880,000 | 4,138 |
| Average equity | $17,145,500 | 3,619 |
| Average total loans | $71,895,500 | 4,388 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4024% | 5,416 |
| Cost of funding earning assets | 0.9054% | 4,075 |
| Net interest margin | 3.4970% | 5,159 |
| Noninterest income to average assets | 0.4001% | 4,612 |
| Noninterest expense to average assets | 2.1565% | 6,370 |
| Loan and lease loss provision to assets | 0.0473% | 5,986 |
| Net operating income to assets | 1.3580% | 1,121 |
| Return on assets (ROA) | 1.3580% | 1,208 |
| Pretax return on assets | 1.4298% | 1,684 |
| Return on Equity (ROE) | 10.6128% | 1,835 |
| Retained earnings to average equity (ytd only) | 6.2098% | 1,906 |
| Net charge-offs to loans | 0.0216% | 6,143 |
| Credit loss provision to net charge-offs | 400.0000% | 574 |
| Earnings coverage of net charge-offs (x) | 124.8000% | 262 |
| Efficiency ratio | 58.1976% | 6,025 |
| Assets per employee ($millions) | 4.6368% | 2,703 |
| Cash dividends to net income (ytd only)* | 41.4875% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 6,039 |
| Loan loss allowance to noncurrent loans | 156.5306% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 6,031 |
| Noncurrent loans to loans | 0.6636% | 5,376 |
| Net loans and leases to total assets | 56.2847% | 4,654 |
| Net loans and leases to deposits | 67.0026% | 4,579 |
| Net loans and leases to core deposits | 68.8140% | 4,931 |
| Total domestic deposits to total assets | 84.0038% | 4,316 |
| Equity capital to assets | 13.1533% | 1,418 |
| Core capital (leverage) ratio | 11.8829% | 1,669 |
| Tier 1 risk-based capital ratio | 16.8181% | 2,681 |
| Total risk-based capital ratio | 17.6519% | 2,833 |
| Memoranda: | ||
| Average total assets | $126,731,800 | 4,236 |
| Average earning assets | $117,185,600 | 4,206 |
| Average equity | $16,216,200 | 3,685 |
| Average total loans | $69,405,800 | 4,514 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4275% | 5,508 |
| Cost of funding earning assets | 0.9372% | 4,139 |
| Net interest margin | 3.4903% | 5,229 |
| Noninterest income to average assets | 0.3779% | 4,840 |
| Noninterest expense to average assets | 2.1584% | 6,375 |
| Loan and lease loss provision to assets | 0.0476% | 5,849 |
| Net operating income to assets | 1.3348% | 1,294 |
| Return on assets (ROA) | 1.3348% | 1,385 |
| Pretax return on assets | 1.4047% | 1,930 |
| Return on Equity (ROE) | 10.5074% | 2,029 |
| Retained earnings to average equity (ytd only) | 5.5162% | 2,854 |
| Net charge-offs to loans | 0.0293% | 5,735 |
| Credit loss provision to net charge-offs | 300.0000% | 944 |
| Earnings coverage of net charge-offs (x) | 91.4645% | 390 |
| Efficiency ratio | 58.6045% | 5,916 |
| Assets per employee ($millions) | 4.6326% | 2,712 |
| Cash dividends to net income (ytd only)* | 47.5022% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 6,201 |
| Loan loss allowance to noncurrent loans | 150.4000% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3855% | 6,113 |
| Noncurrent loans to loans | 0.6743% | 5,536 |
| Net loans and leases to total assets | 56.5842% | 4,747 |
| Net loans and leases to deposits | 69.9492% | 4,308 |
| Net loans and leases to core deposits | 72.0935% | 4,704 |
| Total domestic deposits to total assets | 80.8932% | 5,469 |
| Equity capital to assets | 13.0049% | 1,612 |
| Core capital (leverage) ratio | 11.8552% | 1,787 |
| Tier 1 risk-based capital ratio | 16.4885% | 2,872 |
| Total risk-based capital ratio | 17.3089% | 3,049 |
| Memoranda: | ||
| Average total assets | $125,957,000 | 4,273 |
| Average earning assets | $116,662,000 | 4,234 |
| Average equity | $16,001,000 | 3,740 |
| Average total loans | $68,296,750 | 4,590 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 5,577 |
| Cost of funding earning assets | 0.9735% | 4,137 |
| Net interest margin | 3.4601% | 5,323 |
| Noninterest income to average assets | 0.3849% | 4,799 |
| Noninterest expense to average assets | 2.2581% | 6,222 |
| Loan and lease loss provision to assets | 0.0481% | 5,712 |
| Net operating income to assets | 1.2237% | 1,504 |
| Return on assets (ROA) | 1.2237% | 1,580 |
| Pretax return on assets | 1.2878% | 2,172 |
| Return on Equity (ROE) | 9.7125% | 2,229 |
| Retained earnings to average equity (ytd only) | 3.6788% | 3,883 |
| Net charge-offs to loans | 0.0362% | 5,347 |
| Credit loss provision to net charge-offs | 250.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 69.4167% | 483 |
| Efficiency ratio | 61.6689% | 5,633 |
| Assets per employee ($millions) | 4.6850% | 2,570 |
| Cash dividends to net income (ytd only)* | 62.1232% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 5,811 |
| Loan loss allowance to noncurrent loans | 145.3831% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4024% | 6,138 |
| Noncurrent loans to loans | 0.7810% | 5,348 |
| Net loans and leases to total assets | 50.9360% | 5,702 |
| Net loans and leases to deposits | 60.4952% | 5,673 |
| Net loans and leases to core deposits | 62.5671% | 5,851 |
| Total domestic deposits to total assets | 84.1985% | 4,262 |
| Equity capital to assets | 12.8156% | 1,618 |
| Core capital (leverage) ratio | 11.7205% | 1,768 |
| Tier 1 risk-based capital ratio | 17.7309% | 2,255 |
| Total risk-based capital ratio | 18.6218% | 2,364 |
| Memoranda: | ||
| Average total assets | $124,705,000 | 4,331 |
| Average earning assets | $115,662,330 | 4,285 |
| Average equity | $15,711,670 | 3,782 |
| Average total loans | $66,346,000 | 4,712 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4961% | 5,349 |
| Cost of funding earning assets | 0.9825% | 4,332 |
| Net interest margin | 3.5136% | 4,946 |
| Noninterest income to average assets | 0.3812% | 4,865 |
| Noninterest expense to average assets | 2.4037% | 5,876 |
| Loan and lease loss provision to assets | 0.0485% | 5,395 |
| Net operating income to assets | 1.1372% | 1,713 |
| Return on assets (ROA) | 1.1372% | 1,756 |
| Pretax return on assets | 1.1986% | 2,374 |
| Return on Equity (ROE) | 9.1062% | 2,437 |
| Retained earnings to average equity (ytd only) | 1.7592% | 5,066 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6903% | 5,243 |
| Assets per employee ($millions) | 4.4629% | 2,956 |
| Cash dividends to net income (ytd only)* | 80.6818% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 5,888 |
| Loan loss allowance to noncurrent loans | 133.2731% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.4425% | 6,106 |
| Noncurrent loans to loans | 0.8550% | 5,336 |
| Net loans and leases to total assets | 51.1696% | 5,692 |
| Net loans and leases to deposits | 60.5093% | 5,669 |
| Net loans and leases to core deposits | 62.5956% | 5,867 |
| Total domestic deposits to total assets | 84.5648% | 4,240 |
| Equity capital to assets | 12.4279% | 1,664 |
| Core capital (leverage) ratio | 11.6769% | 1,756 |
| Tier 1 risk-based capital ratio | 17.9637% | 2,123 |
| Total risk-based capital ratio | 18.8771% | 2,211 |
| Memoranda: | ||
| Average total assets | $123,810,500 | 4,376 |
| Average earning assets | $115,210,500 | 4,318 |
| Average equity | $15,462,000 | 3,819 |
| Average total loans | $66,933,500 | 4,735 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9025% | 5,022 |
| Cost of funding earning assets | 1.1524% | 4,838 |
| Net interest margin | 3.7501% | 4,150 |
| Noninterest income to average assets | 0.3883% | 4,990 |
| Noninterest expense to average assets | 2.2360% | 6,525 |
| Loan and lease loss provision to assets | 0.0348% | 6,805 |
| Net operating income to assets | 1.4719% | 816 |
| Return on assets (ROA) | 1.4719% | 876 |
| Pretax return on assets | 1.5490% | 1,257 |
| Return on Equity (ROE) | 11.8241% | 1,357 |
| Retained earnings to average equity (ytd only) | 9.7579% | 561 |
| Net charge-offs to loans | 0.0315% | 6,489 |
| Credit loss provision to net charge-offs | 210.0000% | 1,462 |
| Earnings coverage of net charge-offs (x) | 95.4500% | 253 |
| Efficiency ratio | 57.3849% | 6,406 |
| Assets per employee ($millions) | 4.3807% | 3,069 |
| Cash dividends to net income (ytd only)* | 17.4746% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 6,181 |
| Loan loss allowance to noncurrent loans | 131.5118% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.4476% | 6,164 |
| Noncurrent loans to loans | 0.7935% | 5,453 |
| Net loans and leases to total assets | 55.8177% | 5,370 |
| Net loans and leases to deposits | 67.2580% | 5,205 |
| Net loans and leases to core deposits | 69.4882% | 5,491 |
| Total domestic deposits to total assets | 82.9904% | 4,798 |
| Equity capital to assets | 12.5501% | 1,600 |
| Core capital (leverage) ratio | 11.8846% | 1,625 |
| Tier 1 risk-based capital ratio | 17.2293% | 2,253 |
| Total risk-based capital ratio | 18.0925% | 2,377 |
| Memoranda: | ||
| Average total assets | $120,527,800 | 4,471 |
| Average earning assets | $110,291,000 | 4,459 |
| Average equity | $15,003,200 | 3,940 |
| Average total loans | $63,396,800 | 4,936 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9743% | 4,929 |
| Cost of funding earning assets | 1.1847% | 4,948 |
| Net interest margin | 3.7896% | 4,009 |
| Noninterest income to average assets | 0.3667% | 5,221 |
| Noninterest expense to average assets | 2.2278% | 6,533 |
| Loan and lease loss provision to assets | 0.0356% | 6,728 |
| Net operating income to assets | 1.4767% | 960 |
| Return on assets (ROA) | 1.4767% | 1,036 |
| Pretax return on assets | 1.5545% | 1,464 |
| Return on Equity (ROE) | 11.8880% | 1,538 |
| Retained earnings to average equity (ytd only) | 9.1150% | 1,019 |
| Net charge-offs to loans | 0.0452% | 6,085 |
| Credit loss provision to net charge-offs | 152.3810% | 2,544 |
| Earnings coverage of net charge-offs (x) | 68.1411% | 443 |
| Efficiency ratio | 57.1886% | 6,389 |
| Assets per employee ($millions) | 4.1978% | 3,449 |
| Cash dividends to net income (ytd only)* | 23.3256% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 5,920 |
| Loan loss allowance to noncurrent loans | 132.6493% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.4560% | 6,286 |
| Noncurrent loans to loans | 0.8329% | 5,553 |
| Net loans and leases to total assets | 54.1438% | 5,830 |
| Net loans and leases to deposits | 65.1525% | 5,769 |
| Net loans and leases to core deposits | 67.5860% | 5,985 |
| Total domestic deposits to total assets | 83.1032% | 4,551 |
| Equity capital to assets | 13.3201% | 1,438 |
| Core capital (leverage) ratio | 11.7763% | 1,778 |
| Tier 1 risk-based capital ratio | 17.5763% | 2,146 |
| Total risk-based capital ratio | 18.4719% | 2,233 |
| Memoranda: | ||
| Average total assets | $119,994,750 | 4,540 |
| Average earning assets | $109,279,500 | 4,547 |
| Average equity | $14,905,500 | 4,010 |
| Average total loans | $61,949,000 | 5,066 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9351% | 5,250 |
| Cost of funding earning assets | 1.2001% | 5,132 |
| Net interest margin | 3.7350% | 4,214 |
| Noninterest income to average assets | 0.3725% | 5,158 |
| Noninterest expense to average assets | 2.2464% | 6,522 |
| Loan and lease loss provision to assets | 0.0348% | 6,607 |
| Net operating income to assets | 1.4121% | 1,076 |
| Return on assets (ROA) | 1.4121% | 1,136 |
| Pretax return on assets | 1.4866% | 1,592 |
| Return on Equity (ROE) | 11.6408% | 1,545 |
| Retained earnings to average equity (ytd only) | 8.7750% | 1,187 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4798% | 6,309 |
| Assets per employee ($millions) | 4.5589% | 2,778 |
| Cash dividends to net income (ytd only)* | 24.6190% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 5,709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 50.5264% | 6,372 |
| Net loans and leases to deposits | 59.6959% | 6,440 |
| Net loans and leases to core deposits | 61.9292% | 6,558 |
| Total domestic deposits to total assets | 84.6397% | 3,800 |
| Equity capital to assets | 12.2447% | 1,954 |
| Core capital (leverage) ratio | 11.3518% | 2,013 |
| Tier 1 risk-based capital ratio | 17.0528% | 2,263 |
| Total risk-based capital ratio | 17.9593% | 2,344 |
| Memoranda: | ||
| Average total assets | $120,814,000 | 4,553 |
| Average earning assets | $109,826,000 | 4,562 |
| Average equity | $14,655,330 | 4,064 |
| Average total loans | $61,148,670 | 5,129 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8928% | 5,495 |
| Cost of funding earning assets | 1.2022% | 5,395 |
| Net interest margin | 3.6906% | 4,293 |
| Noninterest income to average assets | 0.3677% | 5,200 |
| Noninterest expense to average assets | 2.3864% | 6,141 |
| Loan and lease loss provision to assets | 0.0368% | 6,308 |
| Net operating income to assets | 1.2534% | 1,397 |
| Return on assets (ROA) | 1.2534% | 1,471 |
| Pretax return on assets | 1.3202% | 2,001 |
| Return on Equity (ROE) | 10.3828% | 1,991 |
| Retained earnings to average equity (ytd only) | 10.3828% | 1,070 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5893% | 5,724 |
| Assets per employee ($millions) | 4.3786% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 5,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 49.8384% | 6,478 |
| Net loans and leases to deposits | 59.0452% | 6,551 |
| Net loans and leases to core deposits | 61.3514% | 6,650 |
| Total domestic deposits to total assets | 84.4073% | 3,948 |
| Equity capital to assets | 12.3708% | 1,827 |
| Core capital (leverage) ratio | 11.2439% | 2,060 |
| Tier 1 risk-based capital ratio | 17.3291% | 2,134 |
| Total risk-based capital ratio | 18.2566% | 2,218 |
| Memoranda: | ||
| Average total assets | $119,676,000 | 4,637 |
| Average earning assets | $109,466,500 | 4,624 |
| Average equity | $14,447,000 | 4,137 |
| Average total loans | $60,266,000 | 5,237 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2845% | 5,262 |
| Cost of funding earning assets | 1.4668% | 5,658 |
| Net interest margin | 3.8176% | 3,630 |
| Noninterest income to average assets | 0.4043% | 5,169 |
| Noninterest expense to average assets | 2.5035% | 6,116 |
| Loan and lease loss provision to assets | 0.0802% | 6,807 |
| Net operating income to assets | 1.2317% | 1,171 |
| Return on assets (ROA) | 1.2317% | 1,225 |
| Pretax return on assets | 1.2976% | 1,701 |
| Return on Equity (ROE) | 9.8016% | 1,744 |
| Retained earnings to average equity (ytd only) | 4.1035% | 2,340 |
| Net charge-offs to loans | 0.0068% | 7,141 |
| Credit loss provision to net charge-offs | 2,250.0000% | 144 |
| Earnings coverage of net charge-offs (x) | 386.7500% | 74 |
| Efficiency ratio | 63.2859% | 5,917 |
| Assets per employee ($millions) | 4.4863% | 2,949 |
| Cash dividends to net income (ytd only)* | 58.1345% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 5,645 |
| Loan loss allowance to noncurrent loans | 3,888.8889% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 7,490 |
| Noncurrent loans to loans | 0.0296% | 7,360 |
| Net loans and leases to total assets | 49.6995% | 6,673 |
| Net loans and leases to deposits | 58.4101% | 6,755 |
| Net loans and leases to core deposits | 63.7520% | 7,104 |
| Total domestic deposits to total assets | 85.0871% | 3,512 |
| Equity capital to assets | 11.7799% | 2,149 |
| Core capital (leverage) ratio | 10.8541% | 2,314 |
| Tier 1 risk-based capital ratio | 16.3882% | 2,359 |
| Total risk-based capital ratio | 17.2777% | 2,444 |
| Memoranda: | ||
| Average total assets | $112,284,200 | 4,772 |
| Average earning assets | $102,262,200 | 4,787 |
| Average equity | $14,110,000 | 4,226 |
| Average total loans | $58,666,200 | 5,307 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3634% | 5,123 |
| Cost of funding earning assets | 1.5223% | 5,740 |
| Net interest margin | 3.8410% | 3,473 |
| Noninterest income to average assets | 0.3973% | 5,306 |
| Noninterest expense to average assets | 2.4480% | 6,259 |
| Loan and lease loss provision to assets | 0.0824% | 6,545 |
| Net operating income to assets | 1.2985% | 1,221 |
| Return on assets (ROA) | 1.2985% | 1,300 |
| Pretax return on assets | 1.3663% | 1,780 |
| Return on Equity (ROE) | 10.1583% | 1,860 |
| Retained earnings to average equity (ytd only) | 7.2871% | 1,399 |
| Net charge-offs to loans | 0.0023% | 6,960 |
| Credit loss provision to net charge-offs | 6,800.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 1,198.9699% | 15 |
| Efficiency ratio | 61.5791% | 6,180 |
| Assets per employee ($millions) | 4.2446% | 3,296 |
| Cash dividends to net income (ytd only)* | 28.2649% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 5,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 51.4267% | 6,663 |
| Net loans and leases to deposits | 61.4004% | 6,725 |
| Net loans and leases to core deposits | 66.7531% | 7,127 |
| Total domestic deposits to total assets | 83.7562% | 3,837 |
| Equity capital to assets | 12.8530% | 1,759 |
| Core capital (leverage) ratio | 11.6381% | 1,997 |
| Tier 1 risk-based capital ratio | 17.0769% | 2,252 |
| Total risk-based capital ratio | 17.9666% | 2,305 |
| Memoranda: | ||
| Average total assets | $110,072,750 | 4,849 |
| Average earning assets | $100,283,000 | 4,854 |
| Average equity | $14,070,250 | 4,280 |
| Average total loans | $58,107,500 | 5,374 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4020% | 5,142 |
| Cost of funding earning assets | 1.5579% | 5,897 |
| Net interest margin | 3.8442% | 3,358 |
| Noninterest income to average assets | 0.4071% | 5,222 |
| Noninterest expense to average assets | 2.5718% | 5,852 |
| Loan and lease loss provision to assets | 0.0829% | 6,349 |
| Net operating income to assets | 1.2362% | 1,390 |
| Return on assets (ROA) | 1.2362% | 1,469 |
| Pretax return on assets | 1.2619% | 2,125 |
| Return on Equity (ROE) | 9.6893% | 2,135 |
| Retained earnings to average equity (ytd only) | 6.7724% | 1,674 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8758% | 5,941 |
| Assets per employee ($millions) | 4.1583% | 3,376 |
| Cash dividends to net income (ytd only)* | 30.1043% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 5,179 |
| Loan loss allowance to noncurrent loans | 32,950.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 7,667 |
| Noncurrent loans to loans | 0.0035% | 7,566 |
| Net loans and leases to total assets | 49.8927% | 6,880 |
| Net loans and leases to deposits | 59.3459% | 6,941 |
| Net loans and leases to core deposits | 64.3441% | 7,286 |
| Total domestic deposits to total assets | 84.0710% | 3,725 |
| Equity capital to assets | 12.4438% | 1,950 |
| Core capital (leverage) ratio | 11.5292% | 2,072 |
| Tier 1 risk-based capital ratio | 18.1838% | 1,961 |
| Total risk-based capital ratio | 19.1229% | 1,991 |
| Memoranda: | ||
| Average total assets | $108,562,330 | 4,927 |
| Average earning assets | $99,110,670 | 4,918 |
| Average equity | $13,850,330 | 4,340 |
| Average total loans | $57,604,000 | 5,441 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4202% | 5,317 |
| Cost of funding earning assets | 1.5751% | 6,140 |
| Net interest margin | 3.8451% | 3,271 |
| Noninterest income to average assets | 0.3824% | 5,362 |
| Noninterest expense to average assets | 2.4853% | 5,893 |
| Loan and lease loss provision to assets | 0.0825% | 5,906 |
| Net operating income to assets | 1.2520% | 1,500 |
| Return on assets (ROA) | 1.2520% | 1,603 |
| Pretax return on assets | 1.3195% | 2,213 |
| Return on Equity (ROE) | 9.6882% | 2,452 |
| Retained earnings to average equity (ytd only) | 9.6882% | 1,283 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2700% | 6,360 |
| Assets per employee ($millions) | 3.9840% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 5,183 |
| Loan loss allowance to noncurrent loans | 63,700.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 7,669 |
| Noncurrent loans to loans | 0.0018% | 7,586 |
| Net loans and leases to total assets | 51.3313% | 6,746 |
| Net loans and leases to deposits | 60.1462% | 6,883 |
| Net loans and leases to core deposits | 64.8090% | 7,285 |
| Total domestic deposits to total assets | 85.3442% | 3,036 |
| Equity capital to assets | 12.9639% | 1,759 |
| Core capital (leverage) ratio | 11.8682% | 1,963 |
| Tier 1 risk-based capital ratio | 18.7357% | 1,872 |
| Total risk-based capital ratio | 19.6821% | 1,909 |
| Memoranda: | ||
| Average total assets | $106,707,000 | 4,990 |
| Average earning assets | $97,266,000 | 4,998 |
| Average equity | $13,790,000 | 4,383 |
| Average total loans | $58,068,500 | 5,446 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9287% | 5,907 |
| Cost of funding earning assets | 2.0443% | 6,264 |
| Net interest margin | 3.8844% | 3,642 |
| Noninterest income to average assets | 0.4387% | 5,129 |
| Noninterest expense to average assets | 2.4691% | 6,136 |
| Loan and lease loss provision to assets | 0.0877% | 6,278 |
| Net operating income to assets | 1.3690% | 1,302 |
| Return on assets (ROA) | 1.4154% | 1,149 |
| Pretax return on assets | 1.4524% | 1,816 |
| Return on Equity (ROE) | 11.2335% | 1,835 |
| Retained earnings to average equity (ytd only) | 4.8663% | 2,101 |
| Net charge-offs to loans | 0.0033% | 6,963 |
| Credit loss provision to net charge-offs | 4,500.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 765.5000% | 71 |
| Efficiency ratio | 61.0236% | 6,157 |
| Assets per employee ($millions) | 3.9202% | 3,680 |
| Cash dividends to net income (ytd only)* | 56.6804% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 5,863 |
| Loan loss allowance to noncurrent loans | 61,400.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 7,665 |
| Noncurrent loans to loans | 0.0017% | 7,561 |
| Net loans and leases to total assets | 56.3744% | 6,389 |
| Net loans and leases to deposits | 66.4173% | 6,609 |
| Net loans and leases to core deposits | 71.7705% | 7,092 |
| Total domestic deposits to total assets | 84.8790% | 2,897 |
| Equity capital to assets | 12.8819% | 1,837 |
| Core capital (leverage) ratio | 11.7479% | 2,100 |
| Tier 1 risk-based capital ratio | 17.4575% | 2,191 |
| Total risk-based capital ratio | 18.3316% | 2,237 |
| Memoranda: | ||
| Average total assets | $102,587,200 | 4,973 |
| Average earning assets | $93,039,200 | 5,000 |
| Average equity | $12,925,600 | 4,598 |
| Average total loans | $60,049,000 | 5,263 |