Home > Security Bank and Trust Company > Performance and Condition Ratios
Security 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 | 5.5009% | 1,158 |
| Cost of funding earning assets | 2.4931% | 368 |
| Net interest margin | 3.0078% | 3,265 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 1.5389% | 4,303 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.4046% | 1,209 |
| Return on assets (ROA) | 1.3856% | 1,215 |
| Pretax return on assets | 1.5879% | 1,257 |
| Return on Equity (ROE) | 14.3100% | 1,425 |
| Retained earnings to average equity (ytd only) | 9.8471% | 1,058 |
| Net charge-offs to loans | 0.0471% | 1,401 |
| Credit loss provision to net charge-offs | 21.0674% | 2,302 |
| Earnings coverage of net charge-offs (x) | 50.7584% | 1,286 |
| Efficiency ratio | 48.4351% | 4,069 |
| Assets per employee ($millions) | 10.1581% | 672 |
| Cash dividends to net income (ytd only)* | 31.1750% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4077% | 4,386 |
| Loan loss allowance to noncurrent loans | 63.1558% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 1,288 |
| Noncurrent loans to loans | 0.6455% | 1,213 |
| Net loans and leases to total assets | 66.6300% | 2,185 |
| Net loans and leases to deposits | 76.6641% | 2,383 |
| Net loans and leases to core deposits | 93.4754% | 1,806 |
| Total domestic deposits to total assets | 86.9100% | 1,709 |
| Equity capital to assets | 10.2447% | 1,872 |
| Core capital (leverage) ratio | 10.6822% | 2,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5167% | 1,679 |
| Memoranda: | ||
| Average total assets | $1,117,906,400 | 899 |
| Average earning assets | $1,046,930,200 | 883 |
| Average equity | $108,265,800 | 897 |
| Average total loans | $756,542,400 | 902 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4166% | 1,110 |
| Cost of funding earning assets | 2.3242% | 387 |
| Net interest margin | 3.0923% | 3,153 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.4627% | 4,339 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.4290% | 1,258 |
| Return on assets (ROA) | 1.4075% | 1,288 |
| Pretax return on assets | 1.6942% | 1,166 |
| Return on Equity (ROE) | 14.7600% | 1,496 |
| Retained earnings to average equity (ytd only) | 10.1691% | 1,357 |
| Net charge-offs to loans | 0.0442% | 1,256 |
| Credit loss provision to net charge-offs | 30.2419% | 1,971 |
| Earnings coverage of net charge-offs (x) | 57.6694% | 1,226 |
| Efficiency ratio | 45.4848% | 4,159 |
| Assets per employee ($millions) | 9.9626% | 677 |
| Cash dividends to net income (ytd only)* | 31.1115% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4308% | 4,389 |
| Loan loss allowance to noncurrent loans | 65.9651% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 1,348 |
| Noncurrent loans to loans | 0.6530% | 1,260 |
| Net loans and leases to total assets | 65.8800% | 2,253 |
| Net loans and leases to deposits | 74.9721% | 2,495 |
| Net loans and leases to core deposits | 91.1086% | 1,852 |
| Total domestic deposits to total assets | 87.8700% | 1,620 |
| Equity capital to assets | 9.7947% | 1,940 |
| Core capital (leverage) ratio | 10.6249% | 2,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4220% | 1,743 |
| Memoranda: | ||
| Average total assets | $1,102,799,250 | 914 |
| Average earning assets | $1,030,912,000 | 896 |
| Average equity | $105,153,000 | 909 |
| Average total loans | $748,597,250 | 911 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2540% | 1,141 |
| Cost of funding earning assets | 2.1209% | 400 |
| Net interest margin | 3.1331% | 3,146 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.4486% | 4,370 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.4347% | 1,247 |
| Return on assets (ROA) | 1.4018% | 1,305 |
| Pretax return on assets | 1.6858% | 1,243 |
| Return on Equity (ROE) | 14.8500% | 1,497 |
| Retained earnings to average equity (ytd only) | 10.1206% | 1,371 |
| Net charge-offs to loans | 0.0256% | 1,369 |
| Credit loss provision to net charge-offs | 78.9474% | 1,556 |
| Earnings coverage of net charge-offs (x) | 99.0316% | 943 |
| Efficiency ratio | 45.0939% | 4,202 |
| Assets per employee ($millions) | 9.6449% | 742 |
| Cash dividends to net income (ytd only)* | 31.8344% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4609% | 4,409 |
| Loan loss allowance to noncurrent loans | 7,091.8367% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 3,839 |
| Noncurrent loans to loans | 0.0065% | 3,757 |
| Net loans and leases to total assets | 65.9500% | 2,158 |
| Net loans and leases to deposits | 76.9221% | 2,222 |
| Net loans and leases to core deposits | 86.2949% | 2,051 |
| Total domestic deposits to total assets | 85.7300% | 2,321 |
| Equity capital to assets | 9.5221% | 2,142 |
| Core capital (leverage) ratio | 10.3858% | 2,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8384% | 1,965 |
| Memoranda: | ||
| Average total assets | $1,081,857,667 | 916 |
| Average earning assets | $1,009,485,333 | 897 |
| Average equity | $102,147,667 | 925 |
| Average total loans | $741,059,667 | 903 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9831% | 1,259 |
| Cost of funding earning assets | 1.9331% | 339 |
| Net interest margin | 3.0500% | 3,466 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 1.4706% | 4,413 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.3717% | 1,484 |
| Return on assets (ROA) | 1.3043% | 1,627 |
| Pretax return on assets | 1.5674% | 1,541 |
| Return on Equity (ROE) | 13.8800% | 1,801 |
| Retained earnings to average equity (ytd only) | 9.0028% | 1,952 |
| Net charge-offs to loans | 0.0501% | 868 |
| Credit loss provision to net charge-offs | 81.5217% | 1,206 |
| Earnings coverage of net charge-offs (x) | 48.0217% | 1,115 |
| Efficiency ratio | 46.3579% | 4,194 |
| Assets per employee ($millions) | 9.1812% | 880 |
| Cash dividends to net income (ytd only)* | 35.1281% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4722% | 4,456 |
| Loan loss allowance to noncurrent loans | 4,968.5714% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 3,817 |
| Noncurrent loans to loans | 0.0095% | 3,760 |
| Net loans and leases to total assets | 68.8300% | 1,745 |
| Net loans and leases to deposits | 78.2168% | 1,946 |
| Net loans and leases to core deposits | 88.4705% | 1,713 |
| Total domestic deposits to total assets | 88.0000% | 1,928 |
| Equity capital to assets | 9.4361% | 2,194 |
| Core capital (leverage) ratio | 10.0305% | 2,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4034% | 2,221 |
| Memoranda: | ||
| Average total assets | $1,053,737,500 | 945 |
| Average earning assets | $979,797,000 | 929 |
| Average equity | $99,036,000 | 952 |
| Average total loans | $734,580,000 | 925 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2499% | 1,157 |
| Cost of funding earning assets | 0.8008% | 379 |
| Net interest margin | 3.4491% | 2,099 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.7368% | 4,110 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.3698% | 1,210 |
| Return on assets (ROA) | 1.3679% | 1,172 |
| Pretax return on assets | 1.6330% | 1,076 |
| Return on Equity (ROE) | 14.0300% | 1,521 |
| Retained earnings to average equity (ytd only) | 6.7282% | 2,352 |
| Net charge-offs to loans | -0.0051% | 3,638 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.8299% | 4,139 |
| Assets per employee ($millions) | 9.1444% | 870 |
| Cash dividends to net income (ytd only)* | 52.0430% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4771% | 4,453 |
| Loan loss allowance to noncurrent loans | 3,678.9474% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 3,806 |
| Noncurrent loans to loans | 0.0130% | 3,740 |
| Net loans and leases to total assets | 69.9400% | 1,645 |
| Net loans and leases to deposits | 77.6907% | 1,977 |
| Net loans and leases to core deposits | 87.6848% | 1,631 |
| Total domestic deposits to total assets | 90.0200% | 1,355 |
| Equity capital to assets | 9.3602% | 2,103 |
| Core capital (leverage) ratio | 10.0712% | 2,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1453% | 2,310 |
| Memoranda: | ||
| Average total assets | $917,831,200 | 1,055 |
| Average earning assets | $844,803,800 | 1,062 |
| Average equity | $89,489,600 | 1,039 |
| Average total loans | $669,945,600 | 943 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0200% | 1,231 |
| Cost of funding earning assets | 0.4831% | 825 |
| Net interest margin | 3.5370% | 1,553 |
| Noninterest income to average assets | 0.0000% | 4,708 |
| Noninterest expense to average assets | 1.6515% | 4,239 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3578% | 1,198 |
| Return on assets (ROA) | 1.3556% | 1,177 |
| Pretax return on assets | 1.5944% | 1,132 |
| Return on Equity (ROE) | 13.7400% | 1,499 |
| Retained earnings to average equity (ytd only) | 5.6004% | 2,891 |
| Net charge-offs to loans | 0.0024% | 2,176 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 885.0000% | 178 |
| Efficiency ratio | 50.4236% | 4,135 |
| Assets per employee ($millions) | 8.6546% | 1,002 |
| Cash dividends to net income (ytd only)* | 59.2457% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3608% | 4,561 |
| Loan loss allowance to noncurrent loans | 682.7320% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 3,527 |
| Noncurrent loans to loans | 0.0528% | 3,498 |
| Net loans and leases to total assets | 72.8700% | 1,193 |
| Net loans and leases to deposits | 80.9579% | 1,526 |
| Net loans and leases to core deposits | 91.6321% | 1,202 |
| Total domestic deposits to total assets | 90.0100% | 1,654 |
| Equity capital to assets | 9.4014% | 1,947 |
| Core capital (leverage) ratio | 10.8133% | 1,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8051% | 2,552 |
| Memoranda: | ||
| Average total assets | $886,674,750 | 1,096 |
| Average earning assets | $814,799,500 | 1,100 |
| Average equity | $87,468,000 | 1,071 |
| Average total loans | $654,286,500 | 960 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8597% | 1,191 |
| Cost of funding earning assets | 0.3204% | 1,524 |
| Net interest margin | 3.5393% | 1,210 |
| Noninterest income to average assets | -0.1255% | 4,757 |
| Noninterest expense to average assets | 1.6654% | 4,189 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2661% | 1,233 |
| Return on assets (ROA) | 1.2624% | 1,229 |
| Pretax return on assets | 1.4550% | 1,299 |
| Return on Equity (ROE) | 12.5642% | 1,504 |
| Retained earnings to average equity (ytd only) | 2.8228% | 3,501 |
| Net charge-offs to loans | -0.0166% | 3,795 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8470% | 4,058 |
| Assets per employee ($millions) | 8.2543% | 1,172 |
| Cash dividends to net income (ytd only)* | 77.5327% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4115% | 4,614 |
| Loan loss allowance to noncurrent loans | 1,654.2683% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 3,829 |
| Noncurrent loans to loans | 0.0249% | 3,773 |
| Net loans and leases to total assets | 74.3457% | 879 |
| Net loans and leases to deposits | 83.8649% | 1,131 |
| Net loans and leases to core deposits | 87.4747% | 1,245 |
| Total domestic deposits to total assets | 88.6494% | 2,317 |
| Equity capital to assets | 10.7388% | 1,345 |
| Core capital (leverage) ratio | 11.4774% | 1,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8406% | 2,130 |
| Memoranda: | ||
| Average total assets | $847,589,000 | 1,139 |
| Average earning assets | $778,343,333 | 1,150 |
| Average equity | $85,162,667 | 1,108 |
| Average total loans | $627,655,333 | 989 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7926% | 1,098 |
| Cost of funding earning assets | 0.3052% | 1,609 |
| Net interest margin | 3.4875% | 1,114 |
| Noninterest income to average assets | -0.0660% | 4,779 |
| Noninterest expense to average assets | 1.6862% | 4,157 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2553% | 1,104 |
| Return on assets (ROA) | 1.2519% | 1,100 |
| Pretax return on assets | 1.4442% | 1,144 |
| Return on Equity (ROE) | 12.9331% | 1,051 |
| Retained earnings to average equity (ytd only) | -1.7878% | 4,231 |
| Net charge-offs to loans | -0.0216% | 3,952 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3374% | 4,098 |
| Assets per employee ($millions) | 7.9652% | 1,394 |
| Cash dividends to net income (ytd only)* | 113.8236% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4370% | 4,629 |
| Loan loss allowance to noncurrent loans | 3,794.3662% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 3,991 |
| Noncurrent loans to loans | 0.0115% | 3,936 |
| Net loans and leases to total assets | 72.0150% | 832 |
| Net loans and leases to deposits | 79.7692% | 1,163 |
| Net loans and leases to core deposits | 83.2754% | 1,282 |
| Total domestic deposits to total assets | 90.2793% | 1,395 |
| Equity capital to assets | 9.1142% | 2,614 |
| Core capital (leverage) ratio | 9.4286% | 2,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9309% | 2,903 |
| Memoranda: | ||
| Average total assets | $829,778,500 | 1,157 |
| Average earning assets | $761,473,000 | 1,176 |
| Average equity | $80,321,000 | 1,196 |
| Average total loans | $611,812,000 | 1,005 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8443% | 1,756 |
| Cost of funding earning assets | 0.4102% | 1,466 |
| Net interest margin | 3.4341% | 1,921 |
| Noninterest income to average assets | 0.9612% | 1,074 |
| Noninterest expense to average assets | 1.8635% | 4,014 |
| Loan and lease loss provision to assets | 0.1280% | 954 |
| Net operating income to assets | 2.0968% | 292 |
| Return on assets (ROA) | 2.1494% | 282 |
| Pretax return on assets | 2.1686% | 440 |
| Return on Equity (ROE) | 21.4655% | 240 |
| Retained earnings to average equity (ytd only) | 10.7730% | 745 |
| Net charge-offs to loans | 0.0276% | 1,686 |
| Credit loss provision to net charge-offs | 617.2840% | 710 |
| Earnings coverage of net charge-offs (x) | 108.1728% | 846 |
| Efficiency ratio | 45.0000% | 4,539 |
| Assets per employee ($millions) | 7.9146% | 1,377 |
| Cash dividends to net income (ytd only)* | 49.8124% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4383% | 4,671 |
| Loan loss allowance to noncurrent loans | 8,583.8710% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,139 |
| Noncurrent loans to loans | 0.0051% | 4,076 |
| Net loans and leases to total assets | 74.8812% | 595 |
| Net loans and leases to deposits | 84.6582% | 871 |
| Net loans and leases to core deposits | 88.7697% | 1,031 |
| Total domestic deposits to total assets | 88.4513% | 1,814 |
| Equity capital to assets | 10.2769% | 2,394 |
| Core capital (leverage) ratio | 9.6567% | 2,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4956% | 2,778 |
| Memoranda: | ||
| Average total assets | $781,096,800 | 1,183 |
| Average earning assets | $715,522,600 | 1,194 |
| Average equity | $78,214,000 | 1,230 |
| Average total loans | $587,147,200 | 1,031 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8294% | 1,951 |
| Cost of funding earning assets | 0.4416% | 1,409 |
| Net interest margin | 3.3878% | 2,189 |
| Noninterest income to average assets | 1.0531% | 985 |
| Noninterest expense to average assets | 1.7594% | 4,247 |
| Loan and lease loss provision to assets | 0.1721% | 627 |
| Net operating income to assets | 2.1814% | 337 |
| Return on assets (ROA) | 2.2361% | 321 |
| Pretax return on assets | 2.2805% | 481 |
| Return on Equity (ROE) | 22.4852% | 274 |
| Retained earnings to average equity (ytd only) | 8.0092% | 2,053 |
| Net charge-offs to loans | -0.0014% | 3,164 |
| Credit loss provision to net charge-offs | -16,666.6667% | 4,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9093% | 4,665 |
| Assets per employee ($millions) | 7.4917% | 1,575 |
| Cash dividends to net income (ytd only)* | 64.3803% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4769% | 4,726 |
| Loan loss allowance to noncurrent loans | 1,937.6712% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 4,078 |
| Noncurrent loans to loans | 0.0246% | 4,020 |
| Net loans and leases to total assets | 75.0478% | 611 |
| Net loans and leases to deposits | 84.7856% | 906 |
| Net loans and leases to core deposits | 88.8648% | 1,105 |
| Total domestic deposits to total assets | 88.5148% | 1,559 |
| Equity capital to assets | 10.0832% | 2,818 |
| Core capital (leverage) ratio | 9.3480% | 3,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5297% | 2,851 |
| Memoranda: | ||
| Average total assets | $774,549,750 | 1,203 |
| Average earning assets | $709,468,750 | 1,219 |
| Average equity | $77,026,500 | 1,262 |
| Average total loans | $582,142,500 | 1,056 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8158% | 2,026 |
| Cost of funding earning assets | 0.4716% | 1,371 |
| Net interest margin | 3.3442% | 2,317 |
| Noninterest income to average assets | 0.9196% | 1,219 |
| Noninterest expense to average assets | 1.7207% | 4,334 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1462% | 373 |
| Return on assets (ROA) | 2.1723% | 378 |
| Pretax return on assets | 2.2875% | 492 |
| Return on Equity (ROE) | 21.9478% | 321 |
| Retained earnings to average equity (ytd only) | 9.4568% | 1,569 |
| Net charge-offs to loans | -0.0010% | 3,093 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6774% | 4,674 |
| Assets per employee ($millions) | 7.9307% | 1,242 |
| Cash dividends to net income (ytd only)* | 56.9124% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3019% | 4,848 |
| Loan loss allowance to noncurrent loans | 1,141.2500% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 4,099 |
| Noncurrent loans to loans | 0.0265% | 4,084 |
| Net loans and leases to total assets | 76.0349% | 591 |
| Net loans and leases to deposits | 85.8126% | 923 |
| Net loans and leases to core deposits | 89.8095% | 1,151 |
| Total domestic deposits to total assets | 88.6057% | 1,501 |
| Equity capital to assets | 9.9171% | 2,926 |
| Core capital (leverage) ratio | 9.3302% | 3,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2440% | 2,910 |
| Memoranda: | ||
| Average total assets | $770,522,333 | 1,199 |
| Average earning assets | $705,271,000 | 1,216 |
| Average equity | $76,262,667 | 1,267 |
| Average total loans | $578,463,667 | 1,070 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8273% | 2,020 |
| Cost of funding earning assets | 0.8623% | 266 |
| Net interest margin | 2.9651% | 3,345 |
| Noninterest income to average assets | 0.9978% | 1,132 |
| Noninterest expense to average assets | 1.3703% | 4,767 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2275% | 396 |
| Return on assets (ROA) | 2.2533% | 411 |
| Pretax return on assets | 2.3592% | 550 |
| Return on Equity (ROE) | 22.7895% | 346 |
| Retained earnings to average equity (ytd only) | 8.0938% | 2,206 |
| Net charge-offs to loans | -0.0014% | 3,075 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0091% | 4,832 |
| Assets per employee ($millions) | 7.7710% | 1,297 |
| Cash dividends to net income (ytd only)* | 64.4845% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3136% | 4,869 |
| Loan loss allowance to noncurrent loans | 890.2439% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 4,107 |
| Noncurrent loans to loans | 0.0352% | 4,108 |
| Net loans and leases to total assets | 74.6419% | 760 |
| Net loans and leases to deposits | 87.1841% | 878 |
| Net loans and leases to core deposits | 91.4490% | 1,146 |
| Total domestic deposits to total assets | 85.6141% | 2,888 |
| Equity capital to assets | 9.6975% | 3,003 |
| Core capital (leverage) ratio | 9.7168% | 2,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7984% | 2,961 |
| Memoranda: | ||
| Average total assets | $759,251,000 | 1,202 |
| Average earning assets | $692,598,500 | 1,228 |
| Average equity | $75,069,500 | 1,275 |
| Average total loans | $565,279,500 | 1,094 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2441% | 2,016 |
| Cost of funding earning assets | 0.8259% | 1,104 |
| Net interest margin | 3.4182% | 2,717 |
| Noninterest income to average assets | 0.8603% | 1,375 |
| Noninterest expense to average assets | 2.1796% | 3,721 |
| Loan and lease loss provision to assets | 0.1156% | 2,906 |
| Net operating income to assets | 1.5968% | 644 |
| Return on assets (ROA) | 1.6008% | 692 |
| Pretax return on assets | 1.6923% | 867 |
| Return on Equity (ROE) | 17.6416% | 358 |
| Retained earnings to average equity (ytd only) | 2.9861% | 3,363 |
| Net charge-offs to loans | 0.0063% | 3,119 |
| Credit loss provision to net charge-offs | 2,413.7931% | 384 |
| Earnings coverage of net charge-offs (x) | 376.6552% | 292 |
| Efficiency ratio | 54.7196% | 4,125 |
| Assets per employee ($millions) | 7.4889% | 1,290 |
| Cash dividends to net income (ytd only)* | 83.0737% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3322% | 4,888 |
| Loan loss allowance to noncurrent loans | 828.6364% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 4,212 |
| Noncurrent loans to loans | 0.0401% | 4,138 |
| Net loans and leases to total assets | 73.7615% | 1,058 |
| Net loans and leases to deposits | 89.4005% | 971 |
| Net loans and leases to core deposits | 93.6818% | 1,266 |
| Total domestic deposits to total assets | 82.5068% | 3,532 |
| Equity capital to assets | 10.0862% | 3,049 |
| Core capital (leverage) ratio | 10.2344% | 2,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3274% | 2,837 |
| Memoranda: | ||
| Average total assets | $605,623,600 | 1,318 |
| Average earning assets | $553,304,800 | 1,339 |
| Average equity | $54,955,400 | 1,562 |
| Average total loans | $463,534,000 | 1,198 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3120% | 2,059 |
| Cost of funding earning assets | 0.9297% | 961 |
| Net interest margin | 3.3823% | 2,974 |
| Noninterest income to average assets | 1.0159% | 999 |
| Noninterest expense to average assets | 2.0619% | 4,022 |
| Loan and lease loss provision to assets | 0.1632% | 2,371 |
| Net operating income to assets | 1.8028% | 448 |
| Return on assets (ROA) | 1.8084% | 491 |
| Pretax return on assets | 1.8901% | 650 |
| Return on Equity (ROE) | 20.6771% | 217 |
| Retained earnings to average equity (ytd only) | -0.7467% | 4,586 |
| Net charge-offs to loans | 0.0087% | 2,796 |
| Credit loss provision to net charge-offs | 2,413.7931% | 416 |
| Earnings coverage of net charge-offs (x) | 302.7241% | 355 |
| Efficiency ratio | 50.1759% | 4,480 |
| Assets per employee ($millions) | 7.7293% | 1,109 |
| Cash dividends to net income (ytd only)* | 103.6110% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3399% | 4,917 |
| Loan loss allowance to noncurrent loans | 803.0837% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 4,280 |
| Noncurrent loans to loans | 0.0423% | 4,218 |
| Net loans and leases to total assets | 75.9922% | 1,098 |
| Net loans and leases to deposits | 95.2872% | 818 |
| Net loans and leases to core deposits | 96.1857% | 1,442 |
| Total domestic deposits to total assets | 79.7507% | 3,918 |
| Equity capital to assets | 8.4206% | 4,505 |
| Core capital (leverage) ratio | 8.1341% | 4,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6991% | 3,109 |
| Memoranda: | ||
| Average total assets | $571,678,000 | 1,366 |
| Average earning assets | $522,865,500 | 1,392 |
| Average equity | $49,999,250 | 1,685 |
| Average total loans | $442,243,750 | 1,238 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5405% | 1,798 |
| Cost of funding earning assets | 1.0351% | 885 |
| Net interest margin | 3.5054% | 2,768 |
| Noninterest income to average assets | 1.4180% | 524 |
| Noninterest expense to average assets | 2.1990% | 3,790 |
| Loan and lease loss provision to assets | 0.2653% | 1,605 |
| Net operating income to assets | 2.0683% | 286 |
| Return on assets (ROA) | 2.0774% | 318 |
| Pretax return on assets | 2.1714% | 376 |
| Return on Equity (ROE) | 23.3659% | 135 |
| Retained earnings to average equity (ytd only) | 8.8613% | 1,045 |
| Net charge-offs to loans | 0.0156% | 2,429 |
| Credit loss provision to net charge-offs | 2,187.5000% | 447 |
| Earnings coverage of net charge-offs (x) | 200.1563% | 448 |
| Efficiency ratio | 47.5344% | 4,655 |
| Assets per employee ($millions) | 7.5583% | 1,147 |
| Cash dividends to net income (ytd only)* | 62.0759% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3782% | 4,918 |
| Loan loss allowance to noncurrent loans | 1,318.8406% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 4,432 |
| Noncurrent loans to loans | 0.0287% | 4,371 |
| Net loans and leases to total assets | 78.3101% | 816 |
| Net loans and leases to deposits | 98.3291% | 634 |
| Net loans and leases to core deposits | 103.9259% | 1,008 |
| Total domestic deposits to total assets | 79.6409% | 3,907 |
| Equity capital to assets | 8.2092% | 4,630 |
| Core capital (leverage) ratio | 8.1176% | 4,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9648% | 3,167 |
| Memoranda: | ||
| Average total assets | $527,781,667 | 1,440 |
| Average earning assets | $483,032,333 | 1,449 |
| Average equity | $46,923,000 | 1,768 |
| Average total loans | $410,882,667 | 1,302 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7398% | 1,589 |
| Cost of funding earning assets | 1.1840% | 814 |
| Net interest margin | 3.5557% | 2,802 |
| Noninterest income to average assets | 0.4712% | 2,697 |
| Noninterest expense to average assets | 2.1814% | 4,054 |
| Loan and lease loss provision to assets | 0.4119% | 738 |
| Net operating income to assets | 1.1055% | 1,827 |
| Return on assets (ROA) | 1.1055% | 1,921 |
| Pretax return on assets | 1.1286% | 2,426 |
| Return on Equity (ROE) | 11.8617% | 1,140 |
| Retained earnings to average equity (ytd only) | -5.5684% | 4,560 |
| Net charge-offs to loans | 0.0202% | 1,962 |
| Credit loss provision to net charge-offs | 2,631.5789% | 282 |
| Earnings coverage of net charge-offs (x) | 98.4211% | 587 |
| Efficiency ratio | 58.6100% | 3,925 |
| Assets per employee ($millions) | 6.0541% | 1,632 |
| Cash dividends to net income (ytd only)* | 146.9449% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4188% | 4,936 |
| Loan loss allowance to noncurrent loans | 1,183.3333% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 4,451 |
| Noncurrent loans to loans | 0.0354% | 4,419 |
| Net loans and leases to total assets | 77.2659% | 1,091 |
| Net loans and leases to deposits | 86.2358% | 1,968 |
| Net loans and leases to core deposits | 94.9332% | 1,889 |
| Total domestic deposits to total assets | 89.5983% | 446 |
| Equity capital to assets | 8.7153% | 4,728 |
| Core capital (leverage) ratio | 9.0719% | 4,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8280% | 3,349 |
| Memoranda: | ||
| Average total assets | $485,559,500 | 1,500 |
| Average earning assets | $443,903,500 | 1,507 |
| Average equity | $45,255,000 | 1,808 |
| Average total loans | $375,696,500 | 1,366 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9279% | 1,672 |
| Cost of funding earning assets | 1.3309% | 702 |
| Net interest margin | 3.5969% | 3,143 |
| Noninterest income to average assets | 0.5392% | 2,535 |
| Noninterest expense to average assets | 2.2937% | 3,956 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4453% | 1,202 |
| Return on assets (ROA) | 1.4363% | 1,293 |
| Pretax return on assets | 1.5097% | 1,781 |
| Return on Equity (ROE) | 14.9278% | 699 |
| Retained earnings to average equity (ytd only) | 6.1081% | 1,816 |
| Net charge-offs to loans | 0.0158% | 3,153 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 125.3455% | 568 |
| Efficiency ratio | 60.1572% | 3,671 |
| Assets per employee ($millions) | 5.6462% | 1,930 |
| Cash dividends to net income (ytd only)* | 59.0825% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3187% | 5,035 |
| Loan loss allowance to noncurrent loans | 879.3893% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 4,397 |
| Noncurrent loans to loans | 0.0362% | 4,415 |
| Net loans and leases to total assets | 76.8955% | 1,276 |
| Net loans and leases to deposits | 87.2992% | 1,935 |
| Net loans and leases to core deposits | 94.2847% | 2,034 |
| Total domestic deposits to total assets | 88.0828% | 1,095 |
| Equity capital to assets | 9.9688% | 3,950 |
| Core capital (leverage) ratio | 9.4308% | 4,130 |
| Tier 1 risk-based capital ratio | 11.5629% | 4,595 |
| Total risk-based capital ratio | 11.8637% | 4,908 |
| Memoranda: | ||
| Average total assets | $453,799,600 | 1,541 |
| Average earning assets | $413,017,200 | 1,574 |
| Average equity | $43,663,600 | 1,800 |
| Average total loans | $348,092,200 | 1,427 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9100% | 1,787 |
| Cost of funding earning assets | 1.3422% | 689 |
| Net interest margin | 3.5678% | 3,340 |
| Noninterest income to average assets | 0.5711% | 2,348 |
| Noninterest expense to average assets | 2.2688% | 4,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4701% | 1,274 |
| Return on assets (ROA) | 1.4580% | 1,360 |
| Pretax return on assets | 1.5354% | 1,851 |
| Return on Equity (ROE) | 15.2971% | 716 |
| Retained earnings to average equity (ytd only) | 3.3286% | 3,743 |
| Net charge-offs to loans | 0.0050% | 3,214 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 402.0675% | 246 |
| Efficiency ratio | 59.4412% | 3,742 |
| Assets per employee ($millions) | 6.0221% | 1,591 |
| Cash dividends to net income (ytd only)* | 78.2406% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3244% | 5,106 |
| Loan loss allowance to noncurrent loans | 625.1309% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 4,420 |
| Noncurrent loans to loans | 0.0519% | 4,414 |
| Net loans and leases to total assets | 77.1049% | 1,297 |
| Net loans and leases to deposits | 88.8567% | 1,830 |
| Net loans and leases to core deposits | 98.9266% | 1,752 |
| Total domestic deposits to total assets | 86.7744% | 1,635 |
| Equity capital to assets | 9.4145% | 4,519 |
| Core capital (leverage) ratio | 9.0977% | 4,553 |
| Tier 1 risk-based capital ratio | 10.7532% | 5,000 |
| Total risk-based capital ratio | 11.0571% | 5,183 |
| Memoranda: | ||
| Average total assets | $450,091,500 | 1,559 |
| Average earning assets | $409,465,000 | 1,595 |
| Average equity | $42,900,250 | 1,830 |
| Average total loans | $344,738,000 | 1,450 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8713% | 1,843 |
| Cost of funding earning assets | 1.3226% | 691 |
| Net interest margin | 3.5487% | 3,438 |
| Noninterest income to average assets | 0.5771% | 2,258 |
| Noninterest expense to average assets | 2.3155% | 3,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4288% | 1,346 |
| Return on assets (ROA) | 1.4101% | 1,459 |
| Pretax return on assets | 1.4762% | 1,936 |
| Return on Equity (ROE) | 14.7289% | 814 |
| Retained earnings to average equity (ytd only) | 1.1876% | 4,381 |
| Net charge-offs to loans | 0.0024% | 3,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 825.5000% | 91 |
| Efficiency ratio | 60.7559% | 3,619 |
| Assets per employee ($millions) | 5.8097% | 1,688 |
| Cash dividends to net income (ytd only)* | 91.9370% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3374% | 5,150 |
| Loan loss allowance to noncurrent loans | 672.0670% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 4,559 |
| Noncurrent loans to loans | 0.0502% | 4,465 |
| Net loans and leases to total assets | 77.4138% | 1,326 |
| Net loans and leases to deposits | 90.0507% | 1,731 |
| Net loans and leases to core deposits | 98.2021% | 1,876 |
| Total domestic deposits to total assets | 85.9668% | 2,051 |
| Equity capital to assets | 9.4612% | 4,443 |
| Core capital (leverage) ratio | 9.2498% | 4,409 |
| Tier 1 risk-based capital ratio | 10.8201% | 4,986 |
| Total risk-based capital ratio | 11.1342% | 5,192 |
| Memoranda: | ||
| Average total assets | $441,541,000 | 1,589 |
| Average earning assets | $402,396,670 | 1,620 |
| Average equity | $42,270,670 | 1,852 |
| Average total loans | $336,979,000 | 1,482 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7990% | 1,903 |
| Cost of funding earning assets | 1.2665% | 737 |
| Net interest margin | 3.5325% | 3,489 |
| Noninterest income to average assets | 0.5776% | 2,149 |
| Noninterest expense to average assets | 2.3649% | 3,860 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3732% | 1,446 |
| Return on assets (ROA) | 1.3262% | 1,653 |
| Pretax return on assets | 1.3807% | 2,153 |
| Return on Equity (ROE) | 13.7670% | 1,019 |
| Retained earnings to average equity (ytd only) | -4.5378% | 4,899 |
| Net charge-offs to loans | 0.0061% | 2,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 309.4000% | 264 |
| Efficiency ratio | 62.3234% | 3,485 |
| Assets per employee ($millions) | 5.4454% | 2,037 |
| Cash dividends to net income (ytd only)* | 132.9617% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3562% | 5,212 |
| Loan loss allowance to noncurrent loans | 484.6774% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 4,509 |
| Noncurrent loans to loans | 0.0735% | 4,431 |
| Net loans and leases to total assets | 76.2350% | 1,438 |
| Net loans and leases to deposits | 86.5905% | 2,058 |
| Net loans and leases to core deposits | 95.4012% | 1,987 |
| Total domestic deposits to total assets | 88.0409% | 1,318 |
| Equity capital to assets | 9.5138% | 4,246 |
| Core capital (leverage) ratio | 9.5089% | 4,121 |
| Tier 1 risk-based capital ratio | 11.1938% | 4,886 |
| Total risk-based capital ratio | 11.5243% | 5,169 |
| Memoranda: | ||
| Average total assets | $432,826,500 | 1,619 |
| Average earning assets | $394,168,000 | 1,662 |
| Average equity | $41,694,000 | 1,867 |
| Average total loans | $327,214,000 | 1,532 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6474% | 1,996 |
| Cost of funding earning assets | 0.7642% | 1,720 |
| Net interest margin | 3.8832% | 2,384 |
| Noninterest income to average assets | 0.9447% | 1,072 |
| Noninterest expense to average assets | 2.5337% | 3,513 |
| Loan and lease loss provision to assets | 0.1559% | 1,340 |
| Net operating income to assets | 1.6829% | 715 |
| Return on assets (ROA) | 1.6399% | 790 |
| Pretax return on assets | 1.7200% | 1,114 |
| Return on Equity (ROE) | 16.4608% | 542 |
| Retained earnings to average equity (ytd only) | 6.6808% | 1,832 |
| Net charge-offs to loans | -0.0014% | 4,206 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8753% | 4,298 |
| Assets per employee ($millions) | 5.1778% | 2,295 |
| Cash dividends to net income (ytd only)* | 59.4136% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3808% | 5,227 |
| Loan loss allowance to noncurrent loans | 283.3333% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 4,275 |
| Noncurrent loans to loans | 0.1344% | 4,138 |
| Net loans and leases to total assets | 74.3716% | 1,872 |
| Net loans and leases to deposits | 85.5625% | 2,339 |
| Net loans and leases to core deposits | 94.3960% | 2,194 |
| Total domestic deposits to total assets | 86.9208% | 1,811 |
| Equity capital to assets | 9.7568% | 3,896 |
| Core capital (leverage) ratio | 10.1912% | 3,365 |
| Tier 1 risk-based capital ratio | 11.7798% | 4,578 |
| Total risk-based capital ratio | 12.1250% | 4,921 |
| Memoranda: | ||
| Average total assets | $384,775,000 | 1,780 |
| Average earning assets | $347,808,000 | 1,821 |
| Average equity | $38,333,600 | 1,922 |
| Average total loans | $279,747,000 | 1,678 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5930% | 1,996 |
| Cost of funding earning assets | 0.6646% | 2,067 |
| Net interest margin | 3.9284% | 2,208 |
| Noninterest income to average assets | 0.6947% | 1,886 |
| Noninterest expense to average assets | 2.0098% | 4,723 |
| Loan and lease loss provision to assets | 0.2134% | 786 |
| Net operating income to assets | 1.9122% | 470 |
| Return on assets (ROA) | 1.8963% | 487 |
| Pretax return on assets | 2.0020% | 616 |
| Return on Equity (ROE) | 18.9235% | 346 |
| Retained earnings to average equity (ytd only) | 5.6156% | 2,877 |
| Net charge-offs to loans | -0.0034% | 4,159 |
| Credit loss provision to net charge-offs | -8,571.4286% | 4,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3795% | 5,082 |
| Assets per employee ($millions) | 4.6507% | 2,913 |
| Cash dividends to net income (ytd only)* | 70.3245% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4204% | 5,265 |
| Loan loss allowance to noncurrent loans | 317.5853% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 4,356 |
| Noncurrent loans to loans | 0.1324% | 4,285 |
| Net loans and leases to total assets | 73.3588% | 2,103 |
| Net loans and leases to deposits | 82.9421% | 2,720 |
| Net loans and leases to core deposits | 90.2864% | 2,636 |
| Total domestic deposits to total assets | 88.4458% | 1,068 |
| Equity capital to assets | 10.2105% | 3,440 |
| Core capital (leverage) ratio | 10.2879% | 3,303 |
| Tier 1 risk-based capital ratio | 12.8833% | 3,972 |
| Total risk-based capital ratio | 13.2711% | 4,375 |
| Memoranda: | ||
| Average total assets | $374,824,750 | 1,821 |
| Average earning assets | $338,450,750 | 1,867 |
| Average equity | $37,560,750 | 1,965 |
| Average total loans | $270,441,000 | 1,724 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4838% | 2,146 |
| Cost of funding earning assets | 0.5846% | 2,332 |
| Net interest margin | 3.8992% | 2,201 |
| Noninterest income to average assets | 0.7322% | 1,727 |
| Noninterest expense to average assets | 1.9445% | 4,894 |
| Loan and lease loss provision to assets | 0.3247% | 421 |
| Net operating income to assets | 1.8854% | 484 |
| Return on assets (ROA) | 1.8612% | 511 |
| Pretax return on assets | 1.9608% | 662 |
| Return on Equity (ROE) | 18.6978% | 360 |
| Retained earnings to average equity (ytd only) | 3.5014% | 3,837 |
| Net charge-offs to loans | -0.0053% | 4,114 |
| Credit loss provision to net charge-offs | -8,571.4286% | 4,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6950% | 5,223 |
| Assets per employee ($millions) | 4.8705% | 2,598 |
| Cash dividends to net income (ytd only)* | 81.2736% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4253% | 5,335 |
| Loan loss allowance to noncurrent loans | 270.6935% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 4,372 |
| Noncurrent loans to loans | 0.1571% | 4,201 |
| Net loans and leases to total assets | 73.6197% | 2,007 |
| Net loans and leases to deposits | 85.1452% | 2,416 |
| Net loans and leases to core deposits | 96.7379% | 1,993 |
| Total domestic deposits to total assets | 86.4637% | 2,072 |
| Equity capital to assets | 10.0839% | 3,551 |
| Core capital (leverage) ratio | 10.3051% | 3,233 |
| Tier 1 risk-based capital ratio | 12.4423% | 4,224 |
| Total risk-based capital ratio | 12.8325% | 4,631 |
| Memoranda: | ||
| Average total assets | $369,548,000 | 1,845 |
| Average earning assets | $333,911,330 | 1,893 |
| Average equity | $36,785,000 | 1,998 |
| Average total loans | $264,658,000 | 1,766 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3946% | 2,214 |
| Cost of funding earning assets | 0.5286% | 2,552 |
| Net interest margin | 3.8660% | 2,170 |
| Noninterest income to average assets | 1.3837% | 482 |
| Noninterest expense to average assets | 2.2501% | 4,294 |
| Loan and lease loss provision to assets | 0.6631% | 147 |
| Net operating income to assets | 1.8456% | 516 |
| Return on assets (ROA) | 1.8456% | 516 |
| Pretax return on assets | 1.9462% | 648 |
| Return on Equity (ROE) | 18.6710% | 343 |
| Retained earnings to average equity (ytd only) | -2.4708% | 5,048 |
| Net charge-offs to loans | -0.0031% | 3,886 |
| Credit loss provision to net charge-offs | -30,000.0000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3043% | 5,259 |
| Assets per employee ($millions) | 4.6402% | 2,943 |
| Cash dividends to net income (ytd only)* | 113.2335% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4611% | 5,380 |
| Loan loss allowance to noncurrent loans | 293.1873% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 4,492 |
| Noncurrent loans to loans | 0.1573% | 4,274 |
| Net loans and leases to total assets | 70.0787% | 2,472 |
| Net loans and leases to deposits | 81.4630% | 2,635 |
| Net loans and leases to core deposits | 89.1924% | 2,521 |
| Total domestic deposits to total assets | 86.0252% | 2,531 |
| Equity capital to assets | 9.5586% | 4,034 |
| Core capital (leverage) ratio | 9.8978% | 3,653 |
| Tier 1 risk-based capital ratio | 12.2602% | 4,399 |
| Total risk-based capital ratio | 12.6776% | 4,799 |
| Memoranda: | ||
| Average total assets | $361,936,000 | 1,886 |
| Average earning assets | $325,399,000 | 1,943 |
| Average equity | $35,777,500 | 2,054 |
| Average total loans | $254,748,000 | 1,829 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 2,427 |
| Cost of funding earning assets | 0.3980% | 3,275 |
| Net interest margin | 3.8718% | 2,181 |
| Noninterest income to average assets | 1.3282% | 597 |
| Noninterest expense to average assets | 2.5243% | 3,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.1681% | 204 |
| Return on assets (ROA) | 2.1630% | 208 |
| Pretax return on assets | 2.2292% | 301 |
| Return on Equity (ROE) | 21.7312% | 133 |
| Retained earnings to average equity (ytd only) | 11.5508% | 205 |
| Net charge-offs to loans | -0.0031% | 4,576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0452% | 5,030 |
| Assets per employee ($millions) | 4.4640% | 3,246 |
| Cash dividends to net income (ytd only)* | 46.8468% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2430% | 5,572 |
| Loan loss allowance to noncurrent loans | 66.3366% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 3,563 |
| Noncurrent loans to loans | 0.3663% | 3,448 |
| Net loans and leases to total assets | 70.1944% | 2,496 |
| Net loans and leases to deposits | 81.1239% | 2,803 |
| Net loans and leases to core deposits | 91.8122% | 2,392 |
| Total domestic deposits to total assets | 86.5273% | 2,217 |
| Equity capital to assets | 10.2287% | 3,461 |
| Core capital (leverage) ratio | 10.2113% | 3,177 |
| Tier 1 risk-based capital ratio | 13.4427% | 3,662 |
| Total risk-based capital ratio | 13.6703% | 4,157 |
| Memoranda: | ||
| Average total assets | $323,295,600 | 2,048 |
| Average earning assets | $286,455,400 | 2,122 |
| Average equity | $32,179,600 | 2,211 |
| Average total loans | $225,020,600 | 1,966 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2269% | 2,525 |
| Cost of funding earning assets | 0.3657% | 3,505 |
| Net interest margin | 3.8612% | 2,182 |
| Noninterest income to average assets | 1.5276% | 466 |
| Noninterest expense to average assets | 2.1479% | 4,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.7075% | 104 |
| Return on assets (ROA) | 2.7075% | 104 |
| Pretax return on assets | 2.7839% | 142 |
| Return on Equity (ROE) | 27.4124% | 45 |
| Retained earnings to average equity (ytd only) | 13.4200% | 186 |
| Net charge-offs to loans | -0.0018% | 4,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5527% | 5,498 |
| Assets per employee ($millions) | 4.4995% | 3,147 |
| Cash dividends to net income (ytd only)* | 51.0443% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2435% | 5,641 |
| Loan loss allowance to noncurrent loans | 53.9640% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3694% | 3,553 |
| Noncurrent loans to loans | 0.4511% | 3,349 |
| Net loans and leases to total assets | 69.0503% | 2,687 |
| Net loans and leases to deposits | 79.9325% | 2,983 |
| Net loans and leases to core deposits | 92.3219% | 2,408 |
| Total domestic deposits to total assets | 86.3858% | 2,143 |
| Equity capital to assets | 10.1015% | 3,802 |
| Core capital (leverage) ratio | 10.3790% | 3,103 |
| Tier 1 risk-based capital ratio | 13.5820% | 3,649 |
| Total risk-based capital ratio | 13.8142% | 4,185 |
| Memoranda: | ||
| Average total assets | $315,955,750 | 2,096 |
| Average earning assets | $278,560,750 | 2,176 |
| Average equity | $31,206,500 | 2,289 |
| Average total loans | $219,239,000 | 2,012 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1223% | 2,757 |
| Cost of funding earning assets | 0.3513% | 3,569 |
| Net interest margin | 3.7710% | 2,405 |
| Noninterest income to average assets | 1.9631% | 320 |
| Noninterest expense to average assets | 1.9829% | 5,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 3.1851% | 72 |
| Return on assets (ROA) | 3.1851% | 73 |
| Pretax return on assets | 3.2980% | 99 |
| Return on Equity (ROE) | 32.5375% | 28 |
| Retained earnings to average equity (ytd only) | 16.5386% | 94 |
| Net charge-offs to loans | -0.0019% | 4,180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5485% | 5,670 |
| Assets per employee ($millions) | 4.0830% | 3,822 |
| Cash dividends to net income (ytd only)* | 49.1705% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2576% | 5,687 |
| Loan loss allowance to noncurrent loans | 52.2271% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 0.3981% | 3,516 |
| Noncurrent loans to loans | 0.4932% | 3,274 |
| Net loans and leases to total assets | 68.3302% | 2,761 |
| Net loans and leases to deposits | 77.8346% | 3,132 |
| Net loans and leases to core deposits | 81.8089% | 3,270 |
| Total domestic deposits to total assets | 87.7890% | 1,572 |
| Equity capital to assets | 10.4140% | 3,446 |
| Core capital (leverage) ratio | 9.8882% | 3,669 |
| Tier 1 risk-based capital ratio | 13.8812% | 3,482 |
| Total risk-based capital ratio | 14.1229% | 3,993 |
| Memoranda: | ||
| Average total assets | $302,787,330 | 2,176 |
| Average earning assets | $266,402,000 | 2,258 |
| Average equity | $29,639,670 | 2,393 |
| Average total loans | $210,303,330 | 2,086 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3561% | 5,022 |
| Cost of funding earning assets | 0.3221% | 3,830 |
| Net interest margin | 3.0340% | 4,822 |
| Noninterest income to average assets | 3.2985% | 182 |
| Noninterest expense to average assets | 1.4301% | 5,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 4.4266% | 47 |
| Return on assets (ROA) | 4.4266% | 46 |
| Pretax return on assets | 4.5151% | 66 |
| Return on Equity (ROE) | 47.0062% | 19 |
| Retained earnings to average equity (ytd only) | 25.1217% | 50 |
| Net charge-offs to loans | -0.0020% | 4,012 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.0548% | 5,824 |
| Assets per employee ($millions) | 4.0243% | 3,973 |
| Cash dividends to net income (ytd only)* | 46.5566% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2519% | 5,762 |
| Loan loss allowance to noncurrent loans | 73.3415% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 4,209 |
| Noncurrent loans to loans | 0.3435% | 3,874 |
| Net loans and leases to total assets | 65.9978% | 2,971 |
| Net loans and leases to deposits | 75.4640% | 3,256 |
| Net loans and leases to core deposits | 81.4701% | 3,143 |
| Total domestic deposits to total assets | 87.4560% | 2,012 |
| Equity capital to assets | 9.5543% | 4,227 |
| Core capital (leverage) ratio | 9.6088% | 3,982 |
| Tier 1 risk-based capital ratio | 13.2722% | 3,903 |
| Total risk-based capital ratio | 13.5082% | 4,437 |
| Memoranda: | ||
| Average total assets | $284,735,500 | 2,292 |
| Average earning assets | $248,381,500 | 2,409 |
| Average equity | $26,813,500 | 2,586 |
| Average total loans | $199,373,500 | 2,191 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2790% | 2,214 |
| Cost of funding earning assets | 0.3971% | 3,026 |
| Net interest margin | 3.8819% | 2,022 |
| Noninterest income to average assets | 0.5646% | 2,840 |
| Noninterest expense to average assets | 2.3165% | 4,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.6953% | 552 |
| Return on assets (ROA) | 1.6953% | 574 |
| Pretax return on assets | 1.8090% | 784 |
| Return on Equity (ROE) | 18.1531% | 316 |
| Retained earnings to average equity (ytd only) | 3.9637% | 3,100 |
| Net charge-offs to loans | 0.0006% | 4,269 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3,675.0000% | 11 |
| Efficiency ratio | 56.1508% | 5,054 |
| Assets per employee ($millions) | 5.2827% | 2,082 |
| Cash dividends to net income (ytd only)* | 78.1649% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3684% | 5,759 |
| Loan loss allowance to noncurrent loans | 221.5613% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 4,801 |
| Noncurrent loans to loans | 0.1663% | 4,566 |
| Net loans and leases to total assets | 76.2746% | 1,469 |
| Net loans and leases to deposits | 84.6467% | 2,345 |
| Net loans and leases to core deposits | 101.6999% | 1,468 |
| Total domestic deposits to total assets | 90.1093% | 595 |
| Equity capital to assets | 9.1842% | 4,596 |
| Core capital (leverage) ratio | 9.1061% | 4,608 |
| Tier 1 risk-based capital ratio | 11.8021% | 4,860 |
| Total risk-based capital ratio | 12.1664% | 5,274 |
| Memoranda: | ||
| Average total assets | $203,151,800 | 2,922 |
| Average earning assets | $186,353,400 | 2,934 |
| Average equity | $18,972,000 | 3,272 |
| Average total loans | $157,073,600 | 2,554 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2621% | 2,294 |
| Cost of funding earning assets | 0.3911% | 3,116 |
| Net interest margin | 3.8710% | 2,082 |
| Noninterest income to average assets | 0.5264% | 3,067 |
| Noninterest expense to average assets | 1.9909% | 5,225 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.9650% | 359 |
| Return on assets (ROA) | 1.9650% | 375 |
| Pretax return on assets | 2.0989% | 468 |
| Return on Equity (ROE) | 20.9503% | 196 |
| Retained earnings to average equity (ytd only) | 1.9226% | 4,716 |
| Net charge-offs to loans | -0.0009% | 4,432 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6789% | 5,569 |
| Assets per employee ($millions) | 5.3229% | 2,025 |
| Cash dividends to net income (ytd only)* | 90.8231% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3583% | 5,825 |
| Loan loss allowance to noncurrent loans | 215.1079% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 4,907 |
| Noncurrent loans to loans | 0.1666% | 4,692 |
| Net loans and leases to total assets | 78.0962% | 1,179 |
| Net loans and leases to deposits | 87.7101% | 2,051 |
| Net loans and leases to core deposits | 106.2126% | 1,169 |
| Total domestic deposits to total assets | 89.0389% | 887 |
| Equity capital to assets | 9.0401% | 5,136 |
| Core capital (leverage) ratio | 9.0820% | 4,741 |
| Tier 1 risk-based capital ratio | 11.1830% | 5,268 |
| Total risk-based capital ratio | 11.5382% | 5,635 |
| Memoranda: | ||
| Average total assets | $201,112,500 | 2,951 |
| Average earning assets | $185,131,000 | 2,970 |
| Average equity | $18,863,250 | 3,312 |
| Average total loans | $155,899,250 | 2,569 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3035% | 2,150 |
| Cost of funding earning assets | 0.3832% | 3,230 |
| Net interest margin | 3.9203% | 1,913 |
| Noninterest income to average assets | 0.5234% | 3,046 |
| Noninterest expense to average assets | 2.0114% | 5,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9850% | 340 |
| Return on assets (ROA) | 1.9850% | 356 |
| Pretax return on assets | 2.1230% | 445 |
| Return on Equity (ROE) | 20.8914% | 200 |
| Retained earnings to average equity (ytd only) | -0.6619% | 5,392 |
| Net charge-offs to loans | -0.0013% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6506% | 5,642 |
| Assets per employee ($millions) | 5.0591% | 2,245 |
| Cash dividends to net income (ytd only)* | 103.1681% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3835% | 5,893 |
| Loan loss allowance to noncurrent loans | 1,031.0345% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 5,475 |
| Noncurrent loans to loans | 0.0372% | 5,317 |
| Net loans and leases to total assets | 76.7612% | 1,371 |
| Net loans and leases to deposits | 85.5960% | 2,297 |
| Net loans and leases to core deposits | 99.4895% | 1,674 |
| Total domestic deposits to total assets | 89.6785% | 600 |
| Equity capital to assets | 9.3574% | 4,913 |
| Core capital (leverage) ratio | 9.2725% | 4,493 |
| Tier 1 risk-based capital ratio | 11.6115% | 5,086 |
| Total risk-based capital ratio | 11.9870% | 5,477 |
| Memoranda: | ||
| Average total assets | $197,177,670 | 3,010 |
| Average earning assets | $181,620,670 | 3,027 |
| Average equity | $18,735,000 | 3,334 |
| Average total loans | $152,239,670 | 2,620 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3391% | 1,998 |
| Cost of funding earning assets | 0.3762% | 3,340 |
| Net interest margin | 3.9629% | 1,732 |
| Noninterest income to average assets | 0.5077% | 3,062 |
| Noninterest expense to average assets | 2.1050% | 5,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.9200% | 381 |
| Return on assets (ROA) | 1.9200% | 407 |
| Pretax return on assets | 2.0618% | 502 |
| Return on Equity (ROE) | 20.0488% | 244 |
| Retained earnings to average equity (ytd only) | -8.8438% | 5,773 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5180% | 5,598 |
| Assets per employee ($millions) | 4.9287% | 2,420 |
| Cash dividends to net income (ytd only)* | 144.1113% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3909% | 5,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 77.1591% | 1,227 |
| Net loans and leases to deposits | 86.6319% | 1,996 |
| Net loans and leases to core deposits | 106.5977% | 1,042 |
| Total domestic deposits to total assets | 89.0655% | 1,066 |
| Equity capital to assets | 9.3773% | 4,799 |
| Core capital (leverage) ratio | 9.3131% | 4,474 |
| Tier 1 risk-based capital ratio | 11.7604% | 5,071 |
| Total risk-based capital ratio | 12.1478% | 5,463 |
| Memoranda: | ||
| Average total assets | $194,584,500 | 3,049 |
| Average earning assets | $179,668,500 | 3,052 |
| Average equity | $18,634,500 | 3,355 |
| Average total loans | $150,392,000 | 2,642 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3868% | 1,945 |
| Cost of funding earning assets | 0.3845% | 3,327 |
| Net interest margin | 4.0022% | 1,713 |
| Noninterest income to average assets | 0.5626% | 2,950 |
| Noninterest expense to average assets | 2.3153% | 4,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.7657% | 511 |
| Return on assets (ROA) | 1.8490% | 455 |
| Pretax return on assets | 1.9730% | 565 |
| Return on Equity (ROE) | 18.3928% | 356 |
| Retained earnings to average equity (ytd only) | 3.5750% | 3,516 |
| Net charge-offs to loans | 0.0105% | 4,105 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 243.0714% | 288 |
| Efficiency ratio | 55.1292% | 5,428 |
| Assets per employee ($millions) | 4.8006% | 2,602 |
| Cash dividends to net income (ytd only)* | 80.5630% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4032% | 5,993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 76.8002% | 1,285 |
| Net loans and leases to deposits | 86.9028% | 2,015 |
| Net loans and leases to core deposits | 102.6749% | 1,315 |
| Total domestic deposits to total assets | 88.3748% | 1,435 |
| Equity capital to assets | 9.7811% | 4,208 |
| Core capital (leverage) ratio | 9.7372% | 3,853 |
| Tier 1 risk-based capital ratio | 12.5039% | 4,631 |
| Total risk-based capital ratio | 12.9065% | 5,071 |
| Memoranda: | ||
| Average total assets | $180,584,400 | 3,161 |
| Average earning assets | $164,107,800 | 3,200 |
| Average equity | $18,153,800 | 3,363 |
| Average total loans | $133,231,800 | 2,839 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3969% | 1,924 |
| Cost of funding earning assets | 0.3880% | 3,352 |
| Net interest margin | 4.0089% | 1,667 |
| Noninterest income to average assets | 0.5739% | 2,888 |
| Noninterest expense to average assets | 2.0091% | 5,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.0523% | 333 |
| Return on assets (ROA) | 2.1651% | 288 |
| Pretax return on assets | 2.3121% | 329 |
| Return on Equity (ROE) | 21.3811% | 208 |
| Retained earnings to average equity (ytd only) | 1.4446% | 5,140 |
| Net charge-offs to loans | -0.0010% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8214% | 5,876 |
| Assets per employee ($millions) | 4.6707% | 2,742 |
| Cash dividends to net income (ytd only)* | 93.2433% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4302% | 6,069 |
| Loan loss allowance to noncurrent loans | 1,224.0000% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 5,685 |
| Noncurrent loans to loans | 0.0351% | 5,479 |
| Net loans and leases to total assets | 75.8242% | 1,411 |
| Net loans and leases to deposits | 87.6332% | 1,955 |
| Net loans and leases to core deposits | 100.8687% | 1,449 |
| Total domestic deposits to total assets | 86.5244% | 2,266 |
| Equity capital to assets | 9.7598% | 4,432 |
| Core capital (leverage) ratio | 9.8953% | 3,774 |
| Tier 1 risk-based capital ratio | 11.6669% | 5,286 |
| Total risk-based capital ratio | 12.0617% | 5,681 |
| Memoranda: | ||
| Average total assets | $177,724,750 | 3,230 |
| Average earning assets | $160,806,500 | 3,272 |
| Average equity | $17,996,750 | 3,416 |
| Average total loans | $129,522,000 | 2,912 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4092% | 1,824 |
| Cost of funding earning assets | 0.3892% | 3,376 |
| Net interest margin | 4.0200% | 1,585 |
| Noninterest income to average assets | 0.5175% | 3,244 |
| Noninterest expense to average assets | 1.9795% | 5,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.0294% | 350 |
| Return on assets (ROA) | 2.2016% | 271 |
| Pretax return on assets | 2.3401% | 318 |
| Return on Equity (ROE) | 21.4648% | 214 |
| Retained earnings to average equity (ytd only) | -1.0604% | 5,700 |
| Net charge-offs to loans | -0.0016% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8550% | 5,970 |
| Assets per employee ($millions) | 4.3483% | 3,212 |
| Cash dividends to net income (ytd only)* | 104.9402% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4728% | 6,111 |
| Loan loss allowance to noncurrent loans | 1,176.9231% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 5,758 |
| Noncurrent loans to loans | 0.0402% | 5,587 |
| Net loans and leases to total assets | 74.0672% | 1,652 |
| Net loans and leases to deposits | 83.5387% | 2,377 |
| Net loans and leases to core deposits | 93.0185% | 2,067 |
| Total domestic deposits to total assets | 88.6621% | 1,321 |
| Equity capital to assets | 10.2478% | 3,752 |
| Core capital (leverage) ratio | 10.0934% | 3,471 |
| Tier 1 risk-based capital ratio | 11.7137% | 5,330 |
| Total risk-based capital ratio | 12.1166% | 5,699 |
| Memoranda: | ||
| Average total assets | $174,690,670 | 3,286 |
| Average earning assets | $157,263,330 | 3,343 |
| Average equity | $17,917,670 | 3,432 |
| Average total loans | $125,272,000 | 2,995 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4277% | 1,664 |
| Cost of funding earning assets | 0.3941% | 3,369 |
| Net interest margin | 4.0335% | 1,460 |
| Noninterest income to average assets | 0.5072% | 3,243 |
| Noninterest expense to average assets | 1.9466% | 5,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0280% | 325 |
| Return on assets (ROA) | 2.3716% | 196 |
| Pretax return on assets | 2.5270% | 232 |
| Return on Equity (ROE) | 23.1122% | 154 |
| Retained earnings to average equity (ytd only) | -6.8357% | 6,031 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3860% | 6,048 |
| Assets per employee ($millions) | 4.4733% | 3,092 |
| Cash dividends to net income (ytd only)* | 129.5761% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4803% | 6,183 |
| Loan loss allowance to noncurrent loans | 5,091.6667% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 5,932 |
| Noncurrent loans to loans | 0.0094% | 5,772 |
| Net loans and leases to total assets | 70.7507% | 2,028 |
| Net loans and leases to deposits | 79.2879% | 2,643 |
| Net loans and leases to core deposits | 88.8068% | 2,239 |
| Total domestic deposits to total assets | 89.2327% | 1,125 |
| Equity capital to assets | 9.9619% | 4,193 |
| Core capital (leverage) ratio | 10.0273% | 3,562 |
| Tier 1 risk-based capital ratio | 11.8378% | 5,343 |
| Total risk-based capital ratio | 12.2492% | 5,739 |
| Memoranda: | ||
| Average total assets | $175,071,000 | 3,300 |
| Average earning assets | $156,290,000 | 3,373 |
| Average equity | $17,964,500 | 3,450 |
| Average total loans | $123,050,000 | 3,033 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3859% | 2,267 |
| Cost of funding earning assets | 0.4399% | 3,273 |
| Net interest margin | 3.9460% | 2,065 |
| Noninterest income to average assets | 0.6152% | 2,769 |
| Noninterest expense to average assets | 2.1224% | 5,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.9511% | 354 |
| Return on assets (ROA) | 1.9511% | 368 |
| Pretax return on assets | 2.0640% | 448 |
| Return on Equity (ROE) | 19.7688% | 265 |
| Retained earnings to average equity (ytd only) | 4.5098% | 2,964 |
| Net charge-offs to loans | 0.0114% | 4,675 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 257.3571% | 209 |
| Efficiency ratio | 50.6979% | 6,053 |
| Assets per employee ($millions) | 4.2803% | 3,396 |
| Cash dividends to net income (ytd only)* | 77.1873% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5139% | 6,241 |
| Loan loss allowance to noncurrent loans | 3,594.1176% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 6,029 |
| Noncurrent loans to loans | 0.0143% | 5,851 |
| Net loans and leases to total assets | 69.0861% | 2,381 |
| Net loans and leases to deposits | 78.0128% | 2,971 |
| Net loans and leases to core deposits | 92.2364% | 2,063 |
| Total domestic deposits to total assets | 88.5574% | 1,491 |
| Equity capital to assets | 10.6050% | 3,353 |
| Core capital (leverage) ratio | 10.4241% | 3,033 |
| Tier 1 risk-based capital ratio | 13.5853% | 4,356 |
| Total risk-based capital ratio | 14.0479% | 4,772 |
| Memoranda: | ||
| Average total assets | $174,564,200 | 3,276 |
| Average earning assets | $157,983,200 | 3,313 |
| Average equity | $17,229,200 | 3,496 |
| Average total loans | $122,552,000 | 2,989 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3801% | 2,289 |
| Cost of funding earning assets | 0.4511% | 3,234 |
| Net interest margin | 3.9290% | 2,122 |
| Noninterest income to average assets | 0.6271% | 2,704 |
| Noninterest expense to average assets | 1.8289% | 6,053 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.2257% | 226 |
| Return on assets (ROA) | 2.2257% | 233 |
| Pretax return on assets | 2.3534% | 281 |
| Return on Equity (ROE) | 22.9678% | 156 |
| Retained earnings to average equity (ytd only) | 2.3454% | 4,879 |
| Net charge-offs to loans | 0.0162% | 4,217 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 206.3950% | 313 |
| Efficiency ratio | 43.7296% | 6,370 |
| Assets per employee ($millions) | 4.3269% | 3,254 |
| Cash dividends to net income (ytd only)* | 89.7884% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5009% | 6,340 |
| Loan loss allowance to noncurrent loans | 5,083.3333% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 6,174 |
| Noncurrent loans to loans | 0.0099% | 5,996 |
| Net loans and leases to total assets | 70.0059% | 2,188 |
| Net loans and leases to deposits | 80.4497% | 2,625 |
| Net loans and leases to core deposits | 89.1553% | 2,305 |
| Total domestic deposits to total assets | 87.0183% | 2,312 |
| Equity capital to assets | 10.1419% | 4,001 |
| Core capital (leverage) ratio | 9.9745% | 3,721 |
| Tier 1 risk-based capital ratio | 12.9811% | 4,876 |
| Total risk-based capital ratio | 13.4346% | 5,295 |
| Memoranda: | ||
| Average total assets | $175,402,500 | 3,288 |
| Average earning assets | $158,713,500 | 3,323 |
| Average equity | $16,997,250 | 3,544 |
| Average total loans | $123,466,500 | 3,000 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3677% | 2,307 |
| Cost of funding earning assets | 0.4606% | 3,206 |
| Net interest margin | 3.9072% | 2,133 |
| Noninterest income to average assets | 0.6539% | 2,519 |
| Noninterest expense to average assets | 1.8277% | 6,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.2137% | 226 |
| Return on assets (ROA) | 2.2137% | 233 |
| Pretax return on assets | 2.3510% | 276 |
| Return on Equity (ROE) | 23.1977% | 162 |
| Retained earnings to average equity (ytd only) | -0.0833% | 5,699 |
| Net charge-offs to loans | 0.0161% | 3,904 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 207.1000% | 322 |
| Efficiency ratio | 43.7381% | 6,429 |
| Assets per employee ($millions) | 4.4399% | 3,022 |
| Cash dividends to net income (ytd only)* | 100.3590% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4980% | 6,413 |
| Loan loss allowance to noncurrent loans | 10,250.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 6,261 |
| Noncurrent loans to loans | 0.0049% | 6,088 |
| Net loans and leases to total assets | 69.1907% | 2,199 |
| Net loans and leases to deposits | 78.0299% | 2,799 |
| Net loans and leases to core deposits | 89.2692% | 2,189 |
| Total domestic deposits to total assets | 88.6720% | 1,555 |
| Equity capital to assets | 9.6399% | 4,573 |
| Core capital (leverage) ratio | 9.7831% | 3,912 |
| Tier 1 risk-based capital ratio | 12.6483% | 5,125 |
| Total risk-based capital ratio | 13.1016% | 5,551 |
| Memoranda: | ||
| Average total assets | $176,178,670 | 3,295 |
| Average earning assets | $158,939,330 | 3,336 |
| Average equity | $16,812,000 | 3,562 |
| Average total loans | $124,031,330 | 2,989 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3369% | 2,378 |
| Cost of funding earning assets | 0.4642% | 3,272 |
| Net interest margin | 3.8727% | 2,185 |
| Noninterest income to average assets | 0.7295% | 2,032 |
| Noninterest expense to average assets | 1.8715% | 6,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.2272% | 225 |
| Return on assets (ROA) | 2.2272% | 238 |
| Pretax return on assets | 2.3571% | 280 |
| Return on Equity (ROE) | 23.4602% | 162 |
| Retained earnings to average equity (ytd only) | -7.3718% | 6,259 |
| Net charge-offs to loans | 0.0193% | 3,201 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 172.3333% | 290 |
| Efficiency ratio | 44.2588% | 6,490 |
| Assets per employee ($millions) | 4.2086% | 3,511 |
| Cash dividends to net income (ytd only)* | 131.4227% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5049% | 6,500 |
| Loan loss allowance to noncurrent loans | 20,633.3333% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 6,345 |
| Noncurrent loans to loans | 0.0024% | 6,190 |
| Net loans and leases to total assets | 69.0111% | 2,056 |
| Net loans and leases to deposits | 76.8946% | 2,699 |
| Net loans and leases to core deposits | 90.2656% | 1,888 |
| Total domestic deposits to total assets | 89.7477% | 1,208 |
| Equity capital to assets | 9.3998% | 4,625 |
| Core capital (leverage) ratio | 9.6660% | 4,039 |
| Tier 1 risk-based capital ratio | 12.5154% | 5,305 |
| Total risk-based capital ratio | 12.9749% | 5,741 |
| Memoranda: | ||
| Average total assets | $175,470,000 | 3,327 |
| Average earning assets | $158,545,000 | 3,366 |
| Average equity | $16,658,000 | 3,595 |
| Average total loans | $124,299,500 | 2,984 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 1,797 |
| Cost of funding earning assets | 0.5556% | 3,065 |
| Net interest margin | 4.0655% | 1,746 |
| Noninterest income to average assets | 0.5623% | 3,315 |
| Noninterest expense to average assets | 2.1805% | 5,680 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.9370% | 373 |
| Return on assets (ROA) | 1.9425% | 374 |
| Pretax return on assets | 2.0586% | 427 |
| Return on Equity (ROE) | 20.4084% | 262 |
| Retained earnings to average equity (ytd only) | 6.5270% | 1,667 |
| Net charge-offs to loans | -0.0040% | 5,905 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5089% | 6,337 |
| Assets per employee ($millions) | 4.4662% | 2,962 |
| Cash dividends to net income (ytd only)* | 68.0180% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4960% | 6,577 |
| Loan loss allowance to noncurrent loans | 1,358.6957% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 6,315 |
| Noncurrent loans to loans | 0.0365% | 6,138 |
| Net loans and leases to total assets | 71.9778% | 1,681 |
| Net loans and leases to deposits | 80.3980% | 2,402 |
| Net loans and leases to core deposits | 94.0511% | 1,601 |
| Total domestic deposits to total assets | 89.5269% | 1,317 |
| Equity capital to assets | 9.5884% | 4,301 |
| Core capital (leverage) ratio | 9.8258% | 3,809 |
| Tier 1 risk-based capital ratio | 12.5367% | 5,267 |
| Total risk-based capital ratio | 12.9931% | 5,713 |
| Memoranda: | ||
| Average total assets | $171,430,800 | 3,391 |
| Average earning assets | $154,790,200 | 3,420 |
| Average equity | $16,316,800 | 3,651 |
| Average total loans | $123,726,400 | 2,961 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 1,826 |
| Cost of funding earning assets | 0.5740% | 3,055 |
| Net interest margin | 4.0471% | 1,796 |
| Noninterest income to average assets | 0.5661% | 3,357 |
| Noninterest expense to average assets | 1.8624% | 6,238 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.2088% | 254 |
| Return on assets (ROA) | 2.2161% | 259 |
| Pretax return on assets | 2.3622% | 292 |
| Return on Equity (ROE) | 23.3276% | 165 |
| Retained earnings to average equity (ytd only) | 4.7099% | 3,299 |
| Net charge-offs to loans | -0.0032% | 5,729 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1667% | 6,650 |
| Assets per employee ($millions) | 4.2550% | 3,318 |
| Cash dividends to net income (ytd only)* | 79.8095% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4937% | 6,661 |
| Loan loss allowance to noncurrent loans | 902.8986% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 6,353 |
| Noncurrent loans to loans | 0.0547% | 6,182 |
| Net loans and leases to total assets | 71.9726% | 1,597 |
| Net loans and leases to deposits | 79.9225% | 2,423 |
| Net loans and leases to core deposits | 93.5506% | 1,619 |
| Total domestic deposits to total assets | 90.0530% | 962 |
| Equity capital to assets | 9.3148% | 4,784 |
| Core capital (leverage) ratio | 9.6548% | 4,162 |
| Tier 1 risk-based capital ratio | 12.4472% | 5,484 |
| Total risk-based capital ratio | 12.9123% | 5,932 |
| Memoranda: | ||
| Average total assets | $170,743,500 | 3,430 |
| Average earning assets | $154,014,750 | 3,467 |
| Average equity | $16,220,750 | 3,706 |
| Average total loans | $123,159,000 | 2,994 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6596% | 1,677 |
| Cost of funding earning assets | 0.6080% | 2,869 |
| Net interest margin | 4.0516% | 1,691 |
| Noninterest income to average assets | 0.5935% | 3,234 |
| Noninterest expense to average assets | 1.8996% | 6,222 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.1970% | 259 |
| Return on assets (ROA) | 2.1970% | 275 |
| Pretax return on assets | 2.3421% | 330 |
| Return on Equity (ROE) | 22.9721% | 176 |
| Retained earnings to average equity (ytd only) | 4.4661% | 3,421 |
| Net charge-offs to loans | -0.0033% | 5,580 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7844% | 6,684 |
| Assets per employee ($millions) | 4.1364% | 3,501 |
| Cash dividends to net income (ytd only)* | 80.5585% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4973% | 6,709 |
| Loan loss allowance to noncurrent loans | 474.8092% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 6,268 |
| Noncurrent loans to loans | 0.1047% | 6,082 |
| Net loans and leases to total assets | 73.3836% | 1,345 |
| Net loans and leases to deposits | 83.2277% | 1,896 |
| Net loans and leases to core deposits | 91.8174% | 1,722 |
| Total domestic deposits to total assets | 88.1721% | 2,126 |
| Equity capital to assets | 9.4203% | 4,688 |
| Core capital (leverage) ratio | 9.7015% | 3,931 |
| Tier 1 risk-based capital ratio | 12.5134% | 5,489 |
| Total risk-based capital ratio | 12.9862% | 5,925 |
| Memoranda: | ||
| Average total assets | $169,506,670 | 3,469 |
| Average earning assets | $152,632,670 | 3,504 |
| Average equity | $16,211,000 | 3,736 |
| Average total loans | $122,151,330 | 3,021 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6692% | 1,622 |
| Cost of funding earning assets | 0.6760% | 2,428 |
| Net interest margin | 3.9932% | 1,817 |
| Noninterest income to average assets | 0.5925% | 3,179 |
| Noninterest expense to average assets | 1.8789% | 6,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.1692% | 258 |
| Return on assets (ROA) | 2.1692% | 283 |
| Pretax return on assets | 2.3108% | 350 |
| Return on Equity (ROE) | 22.5128% | 177 |
| Retained earnings to average equity (ytd only) | 4.1400% | 3,737 |
| Net charge-offs to loans | 0.0033% | 4,101 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 979.0000% | 21 |
| Efficiency ratio | 44.8451% | 6,739 |
| Assets per employee ($millions) | 4.0466% | 3,855 |
| Cash dividends to net income (ytd only)* | 81.6104% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5020% | 6,790 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 72.1798% | 1,321 |
| Net loans and leases to deposits | 83.2345% | 1,675 |
| Net loans and leases to core deposits | 92.3466% | 1,473 |
| Total domestic deposits to total assets | 86.7186% | 3,120 |
| Equity capital to assets | 9.6176% | 4,681 |
| Core capital (leverage) ratio | 9.5706% | 3,974 |
| Tier 1 risk-based capital ratio | 12.5134% | 5,569 |
| Total risk-based capital ratio | 12.9894% | 6,042 |
| Memoranda: | ||
| Average total assets | $169,464,500 | 3,508 |
| Average earning assets | $152,659,000 | 3,549 |
| Average equity | $16,328,500 | 3,765 |
| Average total loans | $120,690,000 | 3,077 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9584% | 1,664 |
| Cost of funding earning assets | 0.6499% | 3,916 |
| Net interest margin | 4.3086% | 1,388 |
| Noninterest income to average assets | 0.6606% | 2,933 |
| Noninterest expense to average assets | 2.2138% | 5,899 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.1843% | 261 |
| Return on assets (ROA) | 2.1899% | 282 |
| Pretax return on assets | 2.3337% | 321 |
| Return on Equity (ROE) | 22.8652% | 186 |
| Retained earnings to average equity (ytd only) | 3.7133% | 3,602 |
| Net charge-offs to loans | -0.0045% | 6,381 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7452% | 6,668 |
| Assets per employee ($millions) | 4.0231% | 3,902 |
| Cash dividends to net income (ytd only)* | 83.7602% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5250% | 6,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 69.5183% | 1,937 |
| Net loans and leases to deposits | 77.7965% | 2,564 |
| Net loans and leases to core deposits | 88.1247% | 2,073 |
| Total domestic deposits to total assets | 89.3591% | 1,326 |
| Equity capital to assets | 9.6532% | 4,646 |
| Core capital (leverage) ratio | 9.5904% | 3,978 |
| Tier 1 risk-based capital ratio | 13.0499% | 5,073 |
| Total risk-based capital ratio | 13.5524% | 5,550 |
| Memoranda: | ||
| Average total assets | $167,585,800 | 3,492 |
| Average earning assets | $150,955,000 | 3,535 |
| Average equity | $16,050,600 | 3,764 |
| Average total loans | $111,130,600 | 3,273 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9957% | 1,704 |
| Cost of funding earning assets | 0.6519% | 4,180 |
| Net interest margin | 4.3438% | 1,364 |
| Noninterest income to average assets | 0.6513% | 2,988 |
| Noninterest expense to average assets | 1.9166% | 6,495 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.4855% | 175 |
| Return on assets (ROA) | 2.4930% | 187 |
| Pretax return on assets | 2.6580% | 232 |
| Return on Equity (ROE) | 26.0813% | 121 |
| Retained earnings to average equity (ytd only) | 4.6208% | 3,648 |
| Net charge-offs to loans | -0.0012% | 6,189 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9693% | 6,964 |
| Assets per employee ($millions) | 3.8984% | 4,092 |
| Cash dividends to net income (ytd only)* | 82.2833% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5638% | 6,900 |
| Loan loss allowance to noncurrent loans | 76.6169% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 5,426 |
| Noncurrent loans to loans | 0.7359% | 4,953 |
| Net loans and leases to total assets | 66.3472% | 2,585 |
| Net loans and leases to deposits | 74.4653% | 3,220 |
| Net loans and leases to core deposits | 85.0070% | 2,574 |
| Total domestic deposits to total assets | 89.0982% | 1,375 |
| Equity capital to assets | 9.9191% | 4,623 |
| Core capital (leverage) ratio | 9.7080% | 3,948 |
| Tier 1 risk-based capital ratio | 14.1063% | 4,454 |
| Total risk-based capital ratio | 14.6474% | 4,907 |
| Memoranda: | ||
| Average total assets | $167,239,750 | 3,532 |
| Average earning assets | $150,739,000 | 3,572 |
| Average equity | $15,985,500 | 3,816 |
| Average total loans | $109,392,000 | 3,333 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0141% | 1,748 |
| Cost of funding earning assets | 0.6502% | 4,439 |
| Net interest margin | 4.3639% | 1,300 |
| Noninterest income to average assets | 0.6532% | 2,938 |
| Noninterest expense to average assets | 1.9025% | 6,589 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.5279% | 166 |
| Return on assets (ROA) | 2.5391% | 189 |
| Pretax return on assets | 2.7077% | 217 |
| Return on Equity (ROE) | 26.8925% | 119 |
| Retained earnings to average equity (ytd only) | 4.6666% | 3,504 |
| Net charge-offs to loans | -0.0018% | 6,087 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3740% | 7,036 |
| Assets per employee ($millions) | 3.8993% | 4,074 |
| Cash dividends to net income (ytd only)* | 82.6473% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5705% | 6,960 |
| Loan loss allowance to noncurrent loans | 61,600.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 6,879 |
| Noncurrent loans to loans | 0.0009% | 6,737 |
| Net loans and leases to total assets | 65.5515% | 2,758 |
| Net loans and leases to deposits | 73.4781% | 3,384 |
| Net loans and leases to core deposits | 85.8364% | 2,449 |
| Total domestic deposits to total assets | 89.2122% | 1,383 |
| Equity capital to assets | 9.8053% | 4,618 |
| Core capital (leverage) ratio | 9.6285% | 3,955 |
| Tier 1 risk-based capital ratio | 14.1626% | 4,328 |
| Total risk-based capital ratio | 14.7121% | 4,814 |
| Memoranda: | ||
| Average total assets | $168,408,330 | 3,526 |
| Average earning assets | $152,250,670 | 3,557 |
| Average equity | $15,900,330 | 3,821 |
| Average total loans | $109,439,670 | 3,351 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0592% | 1,691 |
| Cost of funding earning assets | 0.6697% | 4,536 |
| Net interest margin | 4.3895% | 1,253 |
| Noninterest income to average assets | 0.6841% | 2,735 |
| Noninterest expense to average assets | 1.9118% | 6,622 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.5655% | 164 |
| Return on assets (ROA) | 2.5655% | 197 |
| Pretax return on assets | 2.7342% | 243 |
| Return on Equity (ROE) | 27.6838% | 132 |
| Retained earnings to average equity (ytd only) | 4.5761% | 3,837 |
| Net charge-offs to loans | -0.0036% | 5,756 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1498% | 7,079 |
| Assets per employee ($millions) | 4.0133% | 3,979 |
| Cash dividends to net income (ytd only)* | 83.4703% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5620% | 7,019 |
| Loan loss allowance to noncurrent loans | 10,266.6667% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 6,940 |
| Noncurrent loans to loans | 0.0055% | 6,790 |
| Net loans and leases to total assets | 64.6636% | 2,724 |
| Net loans and leases to deposits | 73.1690% | 3,252 |
| Net loans and leases to core deposits | 87.8526% | 2,069 |
| Total domestic deposits to total assets | 88.3757% | 2,086 |
| Equity capital to assets | 9.4139% | 4,934 |
| Core capital (leverage) ratio | 9.2280% | 4,470 |
| Tier 1 risk-based capital ratio | 13.8488% | 4,572 |
| Total risk-based capital ratio | 14.3927% | 5,073 |
| Memoranda: | ||
| Average total assets | $170,728,000 | 3,507 |
| Average earning assets | $154,094,500 | 3,549 |
| Average equity | $15,821,500 | 3,840 |
| Average total loans | $110,175,000 | 3,349 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1969% | 2,071 |
| Cost of funding earning assets | 0.7361% | 5,307 |
| Net interest margin | 4.4608% | 1,227 |
| Noninterest income to average assets | 0.8924% | 1,701 |
| Noninterest expense to average assets | 2.3423% | 5,933 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.4499% | 142 |
| Return on assets (ROA) | 2.6436% | 115 |
| Pretax return on assets | 2.8208% | 147 |
| Return on Equity (ROE) | 28.2308% | 53 |
| Retained earnings to average equity (ytd only) | 5.5387% | 2,276 |
| Net charge-offs to loans | 0.0676% | 5,633 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 58.2133% | 493 |
| Efficiency ratio | 47.2514% | 6,981 |
| Assets per employee ($millions) | 4.2170% | 3,436 |
| Cash dividends to net income (ytd only)* | 80.3806% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5554% | 7,059 |
| Loan loss allowance to noncurrent loans | 2,196.4286% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 6,829 |
| Noncurrent loans to loans | 0.0253% | 6,764 |
| Net loans and leases to total assets | 63.6926% | 3,253 |
| Net loans and leases to deposits | 71.3193% | 3,899 |
| Net loans and leases to core deposits | 89.6379% | 2,177 |
| Total domestic deposits to total assets | 89.3063% | 1,364 |
| Equity capital to assets | 9.1240% | 5,381 |
| Core capital (leverage) ratio | 8.8960% | 4,950 |
| Tier 1 risk-based capital ratio | 13.5532% | 4,659 |
| Total risk-based capital ratio | 14.0908% | 5,182 |
| Memoranda: | ||
| Average total assets | $166,971,000 | 3,537 |
| Average earning assets | $152,148,000 | 3,546 |
| Average equity | $15,635,400 | 3,783 |
| Average total loans | $111,028,800 | 3,354 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1916% | 2,234 |
| Cost of funding earning assets | 0.7424% | 5,504 |
| Net interest margin | 4.4492% | 1,280 |
| Noninterest income to average assets | 0.9845% | 1,374 |
| Noninterest expense to average assets | 1.8949% | 6,852 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.9549% | 98 |
| Return on assets (ROA) | 3.2154% | 83 |
| Pretax return on assets | 3.4322% | 109 |
| Return on Equity (ROE) | 34.1092% | 36 |
| Retained earnings to average equity (ytd only) | 10.6746% | 688 |
| Net charge-offs to loans | 0.0912% | 5,057 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 51.5267% | 630 |
| Efficiency ratio | 37.5239% | 7,295 |
| Assets per employee ($millions) | 4.2783% | 3,317 |
| Cash dividends to net income (ytd only)* | 68.7046% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5427% | 7,137 |
| Loan loss allowance to noncurrent loans | 4,093.3333% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 6,936 |
| Noncurrent loans to loans | 0.0133% | 6,917 |
| Net loans and leases to total assets | 64.1484% | 3,280 |
| Net loans and leases to deposits | 74.3110% | 3,611 |
| Net loans and leases to core deposits | 94.2341% | 1,773 |
| Total domestic deposits to total assets | 86.3242% | 3,027 |
| Equity capital to assets | 9.2160% | 5,487 |
| Core capital (leverage) ratio | 9.4278% | 4,258 |
| Tier 1 risk-based capital ratio | 13.9244% | 4,406 |
| Total risk-based capital ratio | 14.4634% | 4,913 |
| Memoranda: | ||
| Average total assets | $165,489,750 | 3,581 |
| Average earning assets | $151,213,750 | 3,584 |
| Average equity | $15,600,500 | 3,804 |
| Average total loans | $111,101,750 | 3,388 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2154% | 2,202 |
| Cost of funding earning assets | 0.7743% | 5,540 |
| Net interest margin | 4.4411% | 1,267 |
| Noninterest income to average assets | 0.7251% | 2,402 |
| Noninterest expense to average assets | 1.9077% | 6,938 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.7031% | 133 |
| Return on assets (ROA) | 2.7031% | 135 |
| Pretax return on assets | 2.8844% | 151 |
| Return on Equity (ROE) | 28.4454% | 82 |
| Retained earnings to average equity (ytd only) | 4.7366% | 3,168 |
| Net charge-offs to loans | -0.0290% | 6,912 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8096% | 7,339 |
| Assets per employee ($millions) | 4.0107% | 3,736 |
| Cash dividends to net income (ytd only)* | 83.3485% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6180% | 7,119 |
| Loan loss allowance to noncurrent loans | 381.6216% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 6,798 |
| Noncurrent loans to loans | 0.1619% | 6,576 |
| Net loans and leases to total assets | 69.0483% | 2,402 |
| Net loans and leases to deposits | 80.7788% | 2,647 |
| Net loans and leases to core deposits | 96.1365% | 1,672 |
| Total domestic deposits to total assets | 85.4783% | 3,635 |
| Equity capital to assets | 9.4784% | 4,840 |
| Core capital (leverage) ratio | 9.3107% | 4,237 |
| Tier 1 risk-based capital ratio | 14.7843% | 3,622 |
| Total risk-based capital ratio | 15.4800% | 3,967 |
| Memoranda: | ||
| Average total assets | $162,182,330 | 3,649 |
| Average earning assets | $148,522,330 | 3,645 |
| Average equity | $15,412,000 | 3,835 |
| Average total loans | $110,423,000 | 3,443 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2146% | 2,169 |
| Cost of funding earning assets | 0.8366% | 5,353 |
| Net interest margin | 4.3780% | 1,346 |
| Noninterest income to average assets | 0.7749% | 2,134 |
| Noninterest expense to average assets | 1.9174% | 6,962 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.6922% | 144 |
| Return on assets (ROA) | 2.6922% | 149 |
| Pretax return on assets | 2.8736% | 160 |
| Return on Equity (ROE) | 28.2936% | 103 |
| Retained earnings to average equity (ytd only) | 4.4633% | 3,499 |
| Net charge-offs to loans | -0.0590% | 6,937 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0207% | 7,388 |
| Assets per employee ($millions) | 3.9247% | 4,004 |
| Cash dividends to net income (ytd only)* | 84.2251% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6535% | 7,139 |
| Loan loss allowance to noncurrent loans | 277.5591% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 6,769 |
| Noncurrent loans to loans | 0.2354% | 6,513 |
| Net loans and leases to total assets | 66.6045% | 2,854 |
| Net loans and leases to deposits | 79.9263% | 2,734 |
| Net loans and leases to core deposits | 89.9231% | 2,358 |
| Total domestic deposits to total assets | 83.3324% | 4,777 |
| Equity capital to assets | 9.5587% | 4,356 |
| Core capital (leverage) ratio | 9.3021% | 4,121 |
| Tier 1 risk-based capital ratio | 15.6438% | 3,077 |
| Total risk-based capital ratio | 16.3895% | 3,313 |
| Memoranda: | ||
| Average total assets | $161,055,000 | 3,686 |
| Average earning assets | $147,739,500 | 3,680 |
| Average equity | $15,325,000 | 3,844 |
| Average total loans | $108,511,000 | 3,524 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2319% | 3,448 |
| Cost of funding earning assets | 1.0506% | 5,430 |
| Net interest margin | 4.1813% | 2,260 |
| Noninterest income to average assets | 0.6415% | 3,201 |
| Noninterest expense to average assets | 2.2003% | 6,613 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 2.1753% | 206 |
| Return on assets (ROA) | 2.1753% | 216 |
| Pretax return on assets | 2.3244% | 243 |
| Return on Equity (ROE) | 23.8033% | 122 |
| Retained earnings to average equity (ytd only) | 1.5804% | 4,736 |
| Net charge-offs to loans | 0.0084% | 6,755 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 432.7778% | 55 |
| Efficiency ratio | 48.6283% | 7,224 |
| Assets per employee ($millions) | 3.9317% | 3,936 |
| Cash dividends to net income (ytd only)* | 93.3608% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6322% | 7,224 |
| Loan loss allowance to noncurrent loans | 291.1392% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.1470% | 6,863 |
| Noncurrent loans to loans | 0.2171% | 6,633 |
| Net loans and leases to total assets | 67.2790% | 3,150 |
| Net loans and leases to deposits | 81.2954% | 2,930 |
| Net loans and leases to core deposits | 89.7604% | 2,803 |
| Total domestic deposits to total assets | 82.7586% | 4,905 |
| Equity capital to assets | 9.4721% | 4,438 |
| Core capital (leverage) ratio | 8.9056% | 4,687 |
| Tier 1 risk-based capital ratio | 15.6716% | 2,914 |
| Total risk-based capital ratio | 16.4103% | 3,109 |
| Memoranda: | ||
| Average total assets | $167,566,600 | 3,582 |
| Average earning assets | $155,623,000 | 3,532 |
| Average equity | $15,313,000 | 3,885 |
| Average total loans | $106,753,400 | 3,615 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1763% | 3,957 |
| Cost of funding earning assets | 1.0881% | 5,497 |
| Net interest margin | 4.0883% | 2,679 |
| Noninterest income to average assets | 0.6298% | 3,257 |
| Noninterest expense to average assets | 1.8050% | 7,319 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.4521% | 148 |
| Return on assets (ROA) | 2.4521% | 154 |
| Pretax return on assets | 2.6215% | 192 |
| Return on Equity (ROE) | 27.0680% | 75 |
| Retained earnings to average equity (ytd only) | 4.4287% | 3,387 |
| Net charge-offs to loans | 0.0038% | 6,627 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 1,108.6400% | 23 |
| Efficiency ratio | 40.7764% | 7,562 |
| Assets per employee ($millions) | 4.0429% | 3,749 |
| Cash dividends to net income (ytd only)* | 83.6387% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6444% | 7,293 |
| Loan loss allowance to noncurrent loans | 980.2817% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 7,242 |
| Noncurrent loans to loans | 0.0657% | 7,073 |
| Net loans and leases to total assets | 64.7386% | 3,966 |
| Net loans and leases to deposits | 79.8473% | 3,482 |
| Net loans and leases to core deposits | 89.0880% | 3,227 |
| Total domestic deposits to total assets | 81.0780% | 5,334 |
| Equity capital to assets | 9.4595% | 4,909 |
| Core capital (leverage) ratio | 8.8305% | 4,956 |
| Tier 1 risk-based capital ratio | 15.9828% | 2,772 |
| Total risk-based capital ratio | 16.7290% | 2,978 |
| Memoranda: | ||
| Average total assets | $169,158,500 | 3,599 |
| Average earning assets | $157,096,000 | 3,549 |
| Average equity | $15,324,000 | 3,930 |
| Average total loans | $106,156,000 | 3,680 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0835% | 4,543 |
| Cost of funding earning assets | 1.1176% | 5,579 |
| Net interest margin | 3.9659% | 3,181 |
| Noninterest income to average assets | 0.6683% | 2,907 |
| Noninterest expense to average assets | 1.8075% | 7,379 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.3783% | 167 |
| Return on assets (ROA) | 2.3783% | 180 |
| Pretax return on assets | 2.5450% | 218 |
| Return on Equity (ROE) | 26.6354% | 95 |
| Retained earnings to average equity (ytd only) | 4.2880% | 3,349 |
| Net charge-offs to loans | 0.0057% | 6,293 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 722.3333% | 39 |
| Efficiency ratio | 41.5273% | 7,611 |
| Assets per employee ($millions) | 4.2101% | 3,367 |
| Cash dividends to net income (ytd only)* | 83.9012% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6428% | 7,349 |
| Loan loss allowance to noncurrent loans | 561.2903% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 7,213 |
| Noncurrent loans to loans | 0.1145% | 7,038 |
| Net loans and leases to total assets | 62.3252% | 4,621 |
| Net loans and leases to deposits | 77.4417% | 4,093 |
| Net loans and leases to core deposits | 82.8957% | 4,298 |
| Total domestic deposits to total assets | 80.4801% | 5,567 |
| Equity capital to assets | 8.9350% | 5,547 |
| Core capital (leverage) ratio | 8.4416% | 5,508 |
| Tier 1 risk-based capital ratio | 15.8483% | 2,739 |
| Total risk-based capital ratio | 16.5974% | 2,945 |
| Memoranda: | ||
| Average total assets | $170,291,670 | 3,596 |
| Average earning assets | $158,199,000 | 3,552 |
| Average equity | $15,205,330 | 3,951 |
| Average total loans | $105,539,330 | 3,731 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0578% | 4,746 |
| Cost of funding earning assets | 1.1242% | 5,777 |
| Net interest margin | 3.9336% | 3,182 |
| Noninterest income to average assets | 0.7237% | 2,439 |
| Noninterest expense to average assets | 1.7643% | 7,507 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.4313% | 167 |
| Return on assets (ROA) | 2.4313% | 184 |
| Pretax return on assets | 2.6086% | 209 |
| Return on Equity (ROE) | 27.2381% | 117 |
| Retained earnings to average equity (ytd only) | 4.7958% | 3,272 |
| Net charge-offs to loans | 0.0115% | 5,424 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 367.6667% | 74 |
| Efficiency ratio | 40.3461% | 7,725 |
| Assets per employee ($millions) | 4.2175% | 3,435 |
| Cash dividends to net income (ytd only)* | 82.3930% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6761% | 7,386 |
| Loan loss allowance to noncurrent loans | 870.0000% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 7,373 |
| Noncurrent loans to loans | 0.0777% | 7,199 |
| Net loans and leases to total assets | 59.1278% | 5,267 |
| Net loans and leases to deposits | 77.8299% | 4,076 |
| Net loans and leases to core deposits | 82.8770% | 4,364 |
| Total domestic deposits to total assets | 75.9706% | 6,762 |
| Equity capital to assets | 8.7695% | 5,611 |
| Core capital (leverage) ratio | 8.6390% | 5,138 |
| Tier 1 risk-based capital ratio | 15.5626% | 2,844 |
| Total risk-based capital ratio | 16.3055% | 3,048 |
| Memoranda: | ||
| Average total assets | $169,130,500 | 3,676 |
| Average earning assets | $156,906,500 | 3,631 |
| Average equity | $15,096,500 | 4,001 |
| Average total loans | $104,170,000 | 3,822 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5802% | 3,702 |
| Cost of funding earning assets | 1.5424% | 5,326 |
| Net interest margin | 4.0378% | 2,703 |
| Noninterest income to average assets | 0.6195% | 3,488 |
| Noninterest expense to average assets | 2.2379% | 6,897 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.9922% | 234 |
| Return on assets (ROA) | 1.9922% | 245 |
| Pretax return on assets | 2.1316% | 324 |
| Return on Equity (ROE) | 20.6775% | 211 |
| Retained earnings to average equity (ytd only) | 0.4692% | 4,645 |
| Net charge-offs to loans | 0.1773% | 5,532 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 16.9949% | 1,217 |
| Efficiency ratio | 51.2167% | 7,452 |
| Assets per employee ($millions) | 4.0328% | 3,752 |
| Cash dividends to net income (ytd only)* | 97.7309% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6632% | 7,450 |
| Loan loss allowance to noncurrent loans | 842.1687% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 7,376 |
| Noncurrent loans to loans | 0.0787% | 7,221 |
| Net loans and leases to total assets | 63.3243% | 4,748 |
| Net loans and leases to deposits | 84.1319% | 3,230 |
| Net loans and leases to core deposits | 103.2951% | 3,651 |
| Total domestic deposits to total assets | 75.2679% | 6,817 |
| Equity capital to assets | 9.0895% | 5,002 |
| Core capital (leverage) ratio | 8.6458% | 5,021 |
| Tier 1 risk-based capital ratio | 14.9117% | 2,991 |
| Total risk-based capital ratio | 15.6356% | 3,222 |
| Memoranda: | ||
| Average total assets | $157,066,200 | 3,832 |
| Average earning assets | $145,873,200 | 3,781 |
| Average equity | $15,132,400 | 4,037 |
| Average total loans | $111,141,400 | 3,664 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6355% | 3,668 |
| Cost of funding earning assets | 1.6297% | 5,256 |
| Net interest margin | 4.0058% | 2,788 |
| Noninterest income to average assets | 0.6271% | 3,517 |
| Noninterest expense to average assets | 2.0052% | 7,371 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.1875% | 185 |
| Return on assets (ROA) | 2.1875% | 207 |
| Pretax return on assets | 2.3432% | 268 |
| Return on Equity (ROE) | 22.3679% | 193 |
| Retained earnings to average equity (ytd only) | 2.7531% | 3,794 |
| Net charge-offs to loans | 0.2345% | 4,588 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 13.7578% | 1,655 |
| Efficiency ratio | 46.1128% | 7,764 |
| Assets per employee ($millions) | 3.7464% | 4,320 |
| Cash dividends to net income (ytd only)* | 87.6918% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6418% | 7,506 |
| Loan loss allowance to noncurrent loans | 11,633.3333% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 7,602 |
| Noncurrent loans to loans | 0.0055% | 7,519 |
| Net loans and leases to total assets | 65.5513% | 4,521 |
| Net loans and leases to deposits | 85.9108% | 3,333 |
| Net loans and leases to core deposits | 105.0648% | 3,812 |
| Total domestic deposits to total assets | 76.3015% | 6,528 |
| Equity capital to assets | 9.2792% | 5,066 |
| Core capital (leverage) ratio | 8.9384% | 4,751 |
| Tier 1 risk-based capital ratio | 14.6957% | 3,183 |
| Total risk-based capital ratio | 15.3964% | 3,414 |
| Memoranda: | ||
| Average total assets | $154,996,750 | 3,894 |
| Average earning assets | $143,987,750 | 3,838 |
| Average equity | $15,158,250 | 4,069 |
| Average total loans | $112,576,250 | 3,665 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7071% | 3,498 |
| Cost of funding earning assets | 1.7191% | 5,180 |
| Net interest margin | 3.9880% | 2,752 |
| Noninterest income to average assets | 0.6011% | 3,682 |
| Noninterest expense to average assets | 1.9721% | 7,509 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.1699% | 210 |
| Return on assets (ROA) | 2.1699% | 229 |
| Pretax return on assets | 2.3294% | 286 |
| Return on Equity (ROE) | 21.7835% | 249 |
| Retained earnings to average equity (ytd only) | 3.2292% | 3,521 |
| Net charge-offs to loans | 0.3566% | 3,400 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 8.7044% | 2,227 |
| Efficiency ratio | 45.8474% | 7,859 |
| Assets per employee ($millions) | 3.5698% | 4,644 |
| Cash dividends to net income (ytd only)* | 85.1762% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6218% | 7,593 |
| Loan loss allowance to noncurrent loans | 23,100.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 7,665 |
| Noncurrent loans to loans | 0.0027% | 7,571 |
| Net loans and leases to total assets | 70.5189% | 3,578 |
| Net loans and leases to deposits | 86.6847% | 3,421 |
| Net loans and leases to core deposits | 107.4075% | 3,674 |
| Total domestic deposits to total assets | 81.3510% | 4,947 |
| Equity capital to assets | 9.6263% | 4,461 |
| Core capital (leverage) ratio | 9.7487% | 3,573 |
| Tier 1 risk-based capital ratio | 14.2419% | 3,383 |
| Total risk-based capital ratio | 14.9192% | 3,639 |
| Memoranda: | ||
| Average total assets | $151,715,000 | 3,966 |
| Average earning assets | $140,772,670 | 3,929 |
| Average equity | $15,112,330 | 4,098 |
| Average total loans | $113,850,330 | 3,678 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8248% | 3,172 |
| Cost of funding earning assets | 1.8324% | 4,960 |
| Net interest margin | 3.9924% | 2,676 |
| Noninterest income to average assets | 0.6307% | 3,348 |
| Noninterest expense to average assets | 2.0424% | 7,247 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.1149% | 275 |
| Return on assets (ROA) | 2.1149% | 323 |
| Pretax return on assets | 2.2840% | 377 |
| Return on Equity (ROE) | 20.8624% | 373 |
| Retained earnings to average equity (ytd only) | 5.1362% | 3,046 |
| Net charge-offs to loans | 0.6919% | 1,802 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 4.2764% | 2,923 |
| Efficiency ratio | 47.2084% | 7,777 |
| Assets per employee ($millions) | 3.3524% | 5,199 |
| Cash dividends to net income (ytd only)* | 75.3807% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6088% | 7,646 |
| Loan loss allowance to noncurrent loans | 13,940.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 7,094 |
| Noncurrent loans to loans | 0.0044% | 7,569 |
| Net loans and leases to total assets | 77.1447% | 2,006 |
| Net loans and leases to deposits | 89.2228% | 3,065 |
| Net loans and leases to core deposits | 110.8143% | 3,333 |
| Total domestic deposits to total assets | 86.4629% | 2,471 |
| Equity capital to assets | 10.2850% | 3,666 |
| Core capital (leverage) ratio | 9.7198% | 3,726 |
| Tier 1 risk-based capital ratio | 13.8229% | 3,681 |
| Total risk-based capital ratio | 14.4864% | 3,951 |
| Memoranda: | ||
| Average total assets | $149,037,500 | 4,028 |
| Average earning assets | $137,961,500 | 3,998 |
| Average equity | $15,108,500 | 4,119 |
| Average total loans | $115,047,000 | 3,672 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3220% | 3,848 |
| Cost of funding earning assets | 2.2908% | 5,202 |
| Net interest margin | 4.0312% | 2,973 |
| Noninterest income to average assets | 0.6606% | 3,400 |
| Noninterest expense to average assets | 2.1317% | 7,156 |
| Loan and lease loss provision to assets | 0.1308% | 5,693 |
| Net operating income to assets | 1.5751% | 877 |
| Return on assets (ROA) | 1.5751% | 847 |
| Pretax return on assets | 2.1343% | 455 |
| Return on Equity (ROE) | 16.2126% | 742 |
| Retained earnings to average equity (ytd only) | -9.2913% | 7,001 |
| Net charge-offs to loans | 0.0132% | 6,722 |
| Credit loss provision to net charge-offs | 1,333.3333% | 338 |
| Earnings coverage of net charge-offs (x) | 230.8667% | 207 |
| Efficiency ratio | 48.4826% | 7,767 |
| Assets per employee ($millions) | 3.4220% | 4,877 |
| Cash dividends to net income (ytd only)* | 157.3090% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7751% | 7,190 |
| Loan loss allowance to noncurrent loans | 8,145.4545% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 6,997 |
| Noncurrent loans to loans | 0.0095% | 7,516 |
| Net loans and leases to total assets | 76.1830% | 2,571 |
| Net loans and leases to deposits | 86.5087% | 4,036 |
| Net loans and leases to core deposits | 106.7488% | 4,109 |
| Total domestic deposits to total assets | 88.0639% | 1,446 |
| Equity capital to assets | 9.9928% | 4,045 |
| Core capital (leverage) ratio | 9.6047% | 3,870 |
| Tier 1 risk-based capital ratio | 13.4777% | 3,834 |
| Total risk-based capital ratio | 14.3205% | 3,983 |
| Memoranda: | ||
| Average total assets | $152,882,600 | 3,847 |
| Average earning assets | $141,696,200 | 3,810 |
| Average equity | $14,852,600 | 4,172 |
| Average total loans | $113,253,600 | 3,606 |