Home > Security State Bank > Performance and Condition Ratios
Security State Bank, 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 | 5.4406% | 1,244 |
| Cost of funding earning assets | 1.1794% | 2,857 |
| Net interest margin | 4.2612% | 854 |
| Noninterest income to average assets | 0.9700% | 666 |
| Noninterest expense to average assets | 2.6105% | 1,973 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 2.1009% | 398 |
| Return on assets (ROA) | 1.9221% | 496 |
| Pretax return on assets | 1.9422% | 732 |
| Return on Equity (ROE) | 20.3600% | 586 |
| Retained earnings to average equity (ytd only) | 4.8378% | 2,658 |
| Net charge-offs to loans | 0.5089% | 199 |
| Credit loss provision to net charge-offs | 62.7451% | 2,133 |
| Earnings coverage of net charge-offs (x) | 7.3882% | 2,415 |
| Efficiency ratio | 52.9471% | 3,756 |
| Assets per employee ($millions) | 6.9785% | 2,089 |
| Cash dividends to net income (ytd only)* | 76.2332% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8395% | 501 |
| Loan loss allowance to noncurrent loans | 316.5006% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 1,421 |
| Noncurrent loans to loans | 0.5812% | 1,347 |
| Net loans and leases to total assets | 59.0600% | 2,940 |
| Net loans and leases to deposits | 65.7086% | 3,188 |
| Net loans and leases to core deposits | 86.2052% | 2,294 |
| Total domestic deposits to total assets | 89.8900% | 788 |
| Equity capital to assets | 9.4626% | 2,373 |
| Core capital (leverage) ratio | 11.1488% | 1,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $243,635,600 | 2,720 |
| Average earning assets | $226,557,200 | 2,708 |
| Average equity | $23,006,400 | 2,629 |
| Average total loans | $150,333,400 | 2,676 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3691% | 1,183 |
| Cost of funding earning assets | 0.9957% | 3,053 |
| Net interest margin | 4.3734% | 727 |
| Noninterest income to average assets | 1.1400% | 533 |
| Noninterest expense to average assets | 2.6145% | 1,899 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 2.3648% | 302 |
| Return on assets (ROA) | 2.1811% | 382 |
| Pretax return on assets | 2.2083% | 552 |
| Return on Equity (ROE) | 23.1100% | 482 |
| Retained earnings to average equity (ytd only) | 10.1308% | 1,365 |
| Net charge-offs to loans | 0.6413% | 141 |
| Credit loss provision to net charge-offs | 50.2092% | 1,889 |
| Earnings coverage of net charge-offs (x) | 6.5119% | 2,283 |
| Efficiency ratio | 50.1973% | 3,898 |
| Assets per employee ($millions) | 6.4533% | 2,356 |
| Cash dividends to net income (ytd only)* | 56.1640% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8436% | 527 |
| Loan loss allowance to noncurrent loans | 252.5839% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 1,261 |
| Noncurrent loans to loans | 0.7299% | 1,136 |
| Net loans and leases to total assets | 62.1200% | 2,644 |
| Net loans and leases to deposits | 69.0730% | 2,909 |
| Net loans and leases to core deposits | 84.7163% | 2,283 |
| Total domestic deposits to total assets | 89.9400% | 954 |
| Equity capital to assets | 9.2017% | 2,293 |
| Core capital (leverage) ratio | 11.4499% | 1,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $239,993,000 | 2,743 |
| Average earning assets | $223,223,000 | 2,735 |
| Average equity | $22,649,750 | 2,642 |
| Average total loans | $149,075,000 | 2,691 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1693% | 1,262 |
| Cost of funding earning assets | 0.8461% | 3,084 |
| Net interest margin | 4.3232% | 781 |
| Noninterest income to average assets | 1.4300% | 344 |
| Noninterest expense to average assets | 2.6597% | 1,751 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 2.5502% | 233 |
| Return on assets (ROA) | 2.2779% | 306 |
| Pretax return on assets | 2.3186% | 452 |
| Return on Equity (ROE) | 23.9400% | 435 |
| Retained earnings to average equity (ytd only) | 11.0859% | 1,175 |
| Net charge-offs to loans | 0.5216% | 157 |
| Credit loss provision to net charge-offs | 62.0155% | 1,618 |
| Earnings coverage of net charge-offs (x) | 8.6848% | 2,045 |
| Efficiency ratio | 48.7496% | 4,016 |
| Assets per employee ($millions) | 6.4509% | 2,330 |
| Cash dividends to net income (ytd only)* | 53.6888% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9937% | 420 |
| Loan loss allowance to noncurrent loans | 170.3240% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.7374% | 693 |
| Noncurrent loans to loans | 1.1705% | 602 |
| Net loans and leases to total assets | 61.7000% | 2,608 |
| Net loans and leases to deposits | 68.8867% | 2,868 |
| Net loans and leases to core deposits | 82.8134% | 2,277 |
| Total domestic deposits to total assets | 89.5700% | 1,064 |
| Equity capital to assets | 9.7229% | 2,017 |
| Core capital (leverage) ratio | 11.4805% | 1,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $240,400,333 | 2,747 |
| Average earning assets | $223,860,333 | 2,739 |
| Average equity | $22,876,000 | 2,634 |
| Average total loans | $148,395,333 | 2,691 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9588% | 1,307 |
| Cost of funding earning assets | 0.6812% | 3,116 |
| Net interest margin | 4.2776% | 843 |
| Noninterest income to average assets | 2.0200% | 227 |
| Noninterest expense to average assets | 2.6395% | 1,844 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 3.0885% | 142 |
| Return on assets (ROA) | 3.0241% | 151 |
| Pretax return on assets | 3.1054% | 183 |
| Return on Equity (ROE) | 32.1300% | 198 |
| Retained earnings to average equity (ytd only) | 19.1806% | 420 |
| Net charge-offs to loans | 0.7921% | 97 |
| Credit loss provision to net charge-offs | 41.0959% | 1,315 |
| Earnings coverage of net charge-offs (x) | 6.9623% | 1,770 |
| Efficiency ratio | 43.9172% | 4,304 |
| Assets per employee ($millions) | 6.4944% | 2,346 |
| Cash dividends to net income (ytd only)* | 40.2961% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0174% | 423 |
| Loan loss allowance to noncurrent loans | 167.7583% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.7370% | 661 |
| Noncurrent loans to loans | 1.2026% | 573 |
| Net loans and leases to total assets | 60.0500% | 2,643 |
| Net loans and leases to deposits | 66.9679% | 2,850 |
| Net loans and leases to core deposits | 79.9204% | 2,258 |
| Total domestic deposits to total assets | 89.6700% | 1,272 |
| Equity capital to assets | 9.7489% | 1,965 |
| Core capital (leverage) ratio | 11.2692% | 1,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $241,259,000 | 2,782 |
| Average earning assets | $224,891,000 | 2,775 |
| Average equity | $22,710,500 | 2,667 |
| Average total loans | $147,456,500 | 2,728 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5007% | 718 |
| Cost of funding earning assets | 0.3541% | 2,448 |
| Net interest margin | 4.1466% | 609 |
| Noninterest income to average assets | 0.8100% | 982 |
| Noninterest expense to average assets | 2.4824% | 2,173 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 1.8551% | 385 |
| Return on assets (ROA) | 1.6335% | 602 |
| Pretax return on assets | 1.7534% | 813 |
| Return on Equity (ROE) | 16.5200% | 955 |
| Retained earnings to average equity (ytd only) | 1.5812% | 4,080 |
| Net charge-offs to loans | 0.1459% | 562 |
| Credit loss provision to net charge-offs | 241.7062% | 1,013 |
| Earnings coverage of net charge-offs (x) | 25.2322% | 1,774 |
| Efficiency ratio | 52.9848% | 3,889 |
| Assets per employee ($millions) | 6.0556% | 2,713 |
| Cash dividends to net income (ytd only)* | 90.4255% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1294% | 339 |
| Loan loss allowance to noncurrent loans | 126.8253% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 1.0234% | 422 |
| Noncurrent loans to loans | 1.6790% | 374 |
| Net loans and leases to total assets | 59.6600% | 2,668 |
| Net loans and leases to deposits | 65.9346% | 2,893 |
| Net loans and leases to core deposits | 78.1813% | 2,263 |
| Total domestic deposits to total assets | 90.4800% | 1,160 |
| Equity capital to assets | 9.0804% | 2,310 |
| Core capital (leverage) ratio | 11.0041% | 1,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $241,696,800 | 2,774 |
| Average earning assets | $225,942,000 | 2,765 |
| Average equity | $23,905,200 | 2,645 |
| Average total loans | $144,572,600 | 2,686 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4027% | 582 |
| Cost of funding earning assets | 0.3293% | 1,867 |
| Net interest margin | 4.0734% | 539 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 2.4799% | 2,071 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 1.7791% | 446 |
| Return on assets (ROA) | 1.7298% | 482 |
| Pretax return on assets | 1.8523% | 654 |
| Return on Equity (ROE) | 17.1400% | 765 |
| Retained earnings to average equity (ytd only) | 5.0800% | 3,069 |
| Net charge-offs to loans | 0.1901% | 352 |
| Credit loss provision to net charge-offs | 190.2439% | 1,003 |
| Earnings coverage of net charge-offs (x) | 18.7415% | 1,746 |
| Efficiency ratio | 53.9052% | 3,827 |
| Assets per employee ($millions) | 6.3958% | 2,409 |
| Cash dividends to net income (ytd only)* | 70.3574% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0841% | 424 |
| Loan loss allowance to noncurrent loans | 149.8022% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.8671% | 566 |
| Noncurrent loans to loans | 1.3912% | 520 |
| Net loans and leases to total assets | 60.1400% | 2,488 |
| Net loans and leases to deposits | 66.4679% | 2,681 |
| Net loans and leases to core deposits | 78.9588% | 1,974 |
| Total domestic deposits to total assets | 90.4700% | 1,444 |
| Equity capital to assets | 8.8491% | 2,321 |
| Core capital (leverage) ratio | 10.9890% | 1,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $241,564,750 | 2,796 |
| Average earning assets | $225,915,000 | 2,787 |
| Average equity | $24,382,750 | 2,660 |
| Average total loans | $143,804,500 | 2,701 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2212% | 608 |
| Cost of funding earning assets | 0.3132% | 1,591 |
| Net interest margin | 3.9080% | 595 |
| Noninterest income to average assets | 0.7615% | 1,148 |
| Noninterest expense to average assets | 2.3610% | 2,368 |
| Loan and lease loss provision to assets | 0.2220% | 353 |
| Net operating income to assets | 1.7143% | 416 |
| Return on assets (ROA) | 1.6998% | 421 |
| Pretax return on assets | 1.8264% | 557 |
| Return on Equity (ROE) | 16.1927% | 671 |
| Retained earnings to average equity (ytd only) | 4.6769% | 2,827 |
| Net charge-offs to loans | -0.1633% | 4,550 |
| Credit loss provision to net charge-offs | -230.7692% | 3,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3544% | 4,020 |
| Assets per employee ($millions) | 6.4488% | 2,349 |
| Cash dividends to net income (ytd only)* | 71.1176% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2200% | 375 |
| Loan loss allowance to noncurrent loans | 131.9184% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 1.0268% | 446 |
| Noncurrent loans to loans | 1.6829% | 420 |
| Net loans and leases to total assets | 59.6596% | 2,362 |
| Net loans and leases to deposits | 66.0140% | 2,544 |
| Net loans and leases to core deposits | 78.8457% | 1,787 |
| Total domestic deposits to total assets | 90.3741% | 1,526 |
| Equity capital to assets | 9.0500% | 2,355 |
| Core capital (leverage) ratio | 10.6415% | 1,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,204,667 | 2,809 |
| Average earning assets | $227,992,333 | 2,807 |
| Average equity | $25,530,000 | 2,648 |
| Average total loans | $143,293,333 | 2,715 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1527% | 574 |
| Cost of funding earning assets | 0.3181% | 1,484 |
| Net interest margin | 3.8346% | 595 |
| Noninterest income to average assets | 0.7495% | 1,171 |
| Noninterest expense to average assets | 2.3690% | 2,273 |
| Loan and lease loss provision to assets | 0.2444% | 271 |
| Net operating income to assets | 1.5877% | 526 |
| Return on assets (ROA) | 1.5592% | 555 |
| Pretax return on assets | 1.6994% | 685 |
| Return on Equity (ROE) | 13.9210% | 849 |
| Retained earnings to average equity (ytd only) | 3.2293% | 3,186 |
| Net charge-offs to loans | -0.0253% | 4,011 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5386% | 4,021 |
| Assets per employee ($millions) | 6.6202% | 2,279 |
| Cash dividends to net income (ytd only)* | 76.8025% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1037% | 514 |
| Loan loss allowance to noncurrent loans | 226.1295% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 1,107 |
| Noncurrent loans to loans | 0.9303% | 976 |
| Net loans and leases to total assets | 57.0511% | 2,411 |
| Net loans and leases to deposits | 64.0169% | 2,530 |
| Net loans and leases to core deposits | 76.5206% | 1,745 |
| Total domestic deposits to total assets | 89.1189% | 2,022 |
| Equity capital to assets | 10.4067% | 1,630 |
| Core capital (leverage) ratio | 10.3065% | 2,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,503,500 | 2,808 |
| Average earning assets | $230,116,500 | 2,803 |
| Average equity | $27,498,000 | 2,633 |
| Average total loans | $142,148,000 | 2,733 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1614% | 1,060 |
| Cost of funding earning assets | 0.4219% | 1,377 |
| Net interest margin | 3.7395% | 1,121 |
| Noninterest income to average assets | 1.4299% | 548 |
| Noninterest expense to average assets | 2.4337% | 2,380 |
| Loan and lease loss provision to assets | 0.2467% | 386 |
| Net operating income to assets | 2.1321% | 273 |
| Return on assets (ROA) | 2.1100% | 296 |
| Pretax return on assets | 2.2359% | 384 |
| Return on Equity (ROE) | 17.2659% | 550 |
| Retained earnings to average equity (ytd only) | 5.6061% | 2,515 |
| Net charge-offs to loans | 0.0297% | 1,646 |
| Credit loss provision to net charge-offs | 1,463.4146% | 396 |
| Earnings coverage of net charge-offs (x) | 148.6341% | 663 |
| Efficiency ratio | 49.2674% | 4,337 |
| Assets per employee ($millions) | 6.6503% | 2,198 |
| Cash dividends to net income (ytd only)* | 67.5307% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0092% | 598 |
| Loan loss allowance to noncurrent loans | 187.5989% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.6161% | 1,065 |
| Noncurrent loans to loans | 1.0710% | 904 |
| Net loans and leases to total assets | 56.3700% | 2,558 |
| Net loans and leases to deposits | 64.3761% | 2,655 |
| Net loans and leases to core deposits | 77.7323% | 1,785 |
| Total domestic deposits to total assets | 87.5636% | 2,256 |
| Equity capital to assets | 11.9910% | 1,254 |
| Core capital (leverage) ratio | 10.4428% | 1,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,170,000 | 2,774 |
| Average earning assets | $228,241,000 | 2,758 |
| Average equity | $29,717,600 | 2,550 |
| Average total loans | $138,273,000 | 2,747 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1489% | 1,187 |
| Cost of funding earning assets | 0.4485% | 1,360 |
| Net interest margin | 3.7004% | 1,328 |
| Noninterest income to average assets | 1.6701% | 453 |
| Noninterest expense to average assets | 2.4241% | 2,359 |
| Loan and lease loss provision to assets | 0.2475% | 372 |
| Net operating income to assets | 2.3481% | 259 |
| Return on assets (ROA) | 2.3867% | 256 |
| Pretax return on assets | 2.5099% | 334 |
| Return on Equity (ROE) | 19.4369% | 469 |
| Retained earnings to average equity (ytd only) | 10.0320% | 1,303 |
| Net charge-offs to loans | 0.0592% | 1,049 |
| Credit loss provision to net charge-offs | 737.7049% | 624 |
| Earnings coverage of net charge-offs (x) | 80.9836% | 979 |
| Efficiency ratio | 47.1545% | 4,430 |
| Assets per employee ($millions) | 6.3385% | 2,385 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9487% | 699 |
| Loan loss allowance to noncurrent loans | 180.7302% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.6140% | 1,242 |
| Noncurrent loans to loans | 1.0783% | 1,048 |
| Net loans and leases to total assets | 55.8380% | 2,745 |
| Net loans and leases to deposits | 64.5357% | 2,791 |
| Net loans and leases to core deposits | 78.2113% | 1,881 |
| Total domestic deposits to total assets | 86.5226% | 2,545 |
| Equity capital to assets | 12.8305% | 1,041 |
| Core capital (leverage) ratio | 10.7074% | 1,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7618% | 1,405 |
| Memoranda: | ||
| Average total assets | $242,447,500 | 2,797 |
| Average earning assets | $227,394,750 | 2,781 |
| Average equity | $29,770,750 | 2,584 |
| Average total loans | $137,454,250 | 2,789 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0733% | 1,398 |
| Cost of funding earning assets | 0.4707% | 1,376 |
| Net interest margin | 3.6026% | 1,588 |
| Noninterest income to average assets | 1.9558% | 341 |
| Noninterest expense to average assets | 2.4612% | 2,272 |
| Loan and lease loss provision to assets | 0.2469% | 402 |
| Net operating income to assets | 2.4769% | 225 |
| Return on assets (ROA) | 2.5171% | 229 |
| Pretax return on assets | 2.6669% | 272 |
| Return on Equity (ROE) | 20.8077% | 400 |
| Retained earnings to average equity (ytd only) | 11.5197% | 1,010 |
| Net charge-offs to loans | 0.0698% | 932 |
| Credit loss provision to net charge-offs | 625.0000% | 605 |
| Earnings coverage of net charge-offs (x) | 72.6667% | 886 |
| Efficiency ratio | 46.1562% | 4,507 |
| Assets per employee ($millions) | 6.6917% | 2,026 |
| Cash dividends to net income (ytd only)* | 44.6370% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8208% | 857 |
| Loan loss allowance to noncurrent loans | 165.4925% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 1,342 |
| Noncurrent loans to loans | 1.1003% | 1,100 |
| Net loans and leases to total assets | 55.2498% | 2,990 |
| Net loans and leases to deposits | 63.2699% | 3,077 |
| Net loans and leases to core deposits | 75.9528% | 2,240 |
| Total domestic deposits to total assets | 87.3239% | 2,160 |
| Equity capital to assets | 12.1333% | 1,302 |
| Core capital (leverage) ratio | 10.1718% | 2,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,975,667 | 2,792 |
| Average earning assets | $227,726,667 | 2,777 |
| Average equity | $29,393,000 | 2,605 |
| Average total loans | $137,550,333 | 2,811 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1112% | 1,360 |
| Cost of funding earning assets | 0.5074% | 1,347 |
| Net interest margin | 3.6038% | 1,572 |
| Noninterest income to average assets | 2.7307% | 231 |
| Noninterest expense to average assets | 2.4332% | 2,386 |
| Loan and lease loss provision to assets | 0.2493% | 424 |
| Net operating income to assets | 3.1850% | 130 |
| Return on assets (ROA) | 3.2576% | 135 |
| Pretax return on assets | 3.4903% | 147 |
| Return on Equity (ROE) | 26.9703% | 205 |
| Retained earnings to average equity (ytd only) | 18.3013% | 350 |
| Net charge-offs to loans | 0.1522% | 514 |
| Credit loss provision to net charge-offs | 288.4615% | 773 |
| Earnings coverage of net charge-offs (x) | 42.3654% | 967 |
| Efficiency ratio | 39.9236% | 4,744 |
| Assets per employee ($millions) | 6.4564% | 2,209 |
| Cash dividends to net income (ytd only)* | 32.1429% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6785% | 1,096 |
| Loan loss allowance to noncurrent loans | 143.6407% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.7149% | 1,298 |
| Noncurrent loans to loans | 1.1685% | 1,135 |
| Net loans and leases to total assets | 56.8961% | 2,926 |
| Net loans and leases to deposits | 64.9295% | 3,035 |
| Net loans and leases to core deposits | 77.6177% | 2,217 |
| Total domestic deposits to total assets | 87.6275% | 2,029 |
| Equity capital to assets | 11.8952% | 1,338 |
| Core capital (leverage) ratio | 10.5134% | 2,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4954% | 1,742 |
| Memoranda: | ||
| Average total assets | $240,667,500 | 2,792 |
| Average earning assets | $224,654,000 | 2,782 |
| Average equity | $29,069,000 | 2,613 |
| Average total loans | $136,660,000 | 2,819 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5399% | 1,217 |
| Cost of funding earning assets | 0.7227% | 1,601 |
| Net interest margin | 3.8173% | 1,454 |
| Noninterest income to average assets | 0.5745% | 2,322 |
| Noninterest expense to average assets | 2.3278% | 3,334 |
| Loan and lease loss provision to assets | 0.4264% | 686 |
| Net operating income to assets | 1.3076% | 1,231 |
| Return on assets (ROA) | 1.3310% | 1,267 |
| Pretax return on assets | 1.4325% | 1,562 |
| Return on Equity (ROE) | 9.6848% | 2,127 |
| Retained earnings to average equity (ytd only) | -22.1367% | 4,963 |
| Net charge-offs to loans | 0.2751% | 623 |
| Credit loss provision to net charge-offs | 251.3595% | 1,933 |
| Earnings coverage of net charge-offs (x) | 10.8097% | 2,435 |
| Efficiency ratio | 55.9360% | 3,990 |
| Assets per employee ($millions) | 6.2103% | 2,158 |
| Cash dividends to net income (ytd only)* | 328.5714% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7397% | 964 |
| Loan loss allowance to noncurrent loans | 72.8635% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.3691% | 572 |
| Noncurrent loans to loans | 2.3876% | 439 |
| Net loans and leases to total assets | 54.6889% | 3,423 |
| Net loans and leases to deposits | 62.6454% | 3,558 |
| Net loans and leases to core deposits | 75.6656% | 2,758 |
| Total domestic deposits to total assets | 87.2992% | 1,796 |
| Equity capital to assets | 12.2690% | 1,439 |
| Core capital (leverage) ratio | 10.1275% | 2,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7621% | 1,610 |
| Memoranda: | ||
| Average total assets | $195,116,400 | 2,981 |
| Average earning assets | $183,350,600 | 2,964 |
| Average equity | $26,815,200 | 2,689 |
| Average total loans | $120,330,400 | 2,977 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 1,344 |
| Cost of funding earning assets | 0.7575% | 1,692 |
| Net interest margin | 3.8302% | 1,539 |
| Noninterest income to average assets | 0.6360% | 2,044 |
| Noninterest expense to average assets | 2.2066% | 3,666 |
| Loan and lease loss provision to assets | 0.4911% | 606 |
| Net operating income to assets | 1.4388% | 1,016 |
| Return on assets (ROA) | 1.4696% | 1,047 |
| Pretax return on assets | 1.5814% | 1,235 |
| Return on Equity (ROE) | 10.3395% | 1,890 |
| Retained earnings to average equity (ytd only) | -29.4863% | 5,003 |
| Net charge-offs to loans | 0.4162% | 384 |
| Credit loss provision to net charge-offs | 185.5586% | 2,162 |
| Earnings coverage of net charge-offs (x) | 7.7057% | 2,555 |
| Efficiency ratio | 51.9701% | 4,346 |
| Assets per employee ($millions) | 6.0950% | 2,184 |
| Cash dividends to net income (ytd only)* | 385.1816% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 1,262 |
| Loan loss allowance to noncurrent loans | 86.7301% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.0759% | 992 |
| Noncurrent loans to loans | 1.7789% | 750 |
| Net loans and leases to total assets | 57.8075% | 3,440 |
| Net loans and leases to deposits | 66.5077% | 3,572 |
| Net loans and leases to core deposits | 80.7235% | 2,783 |
| Total domestic deposits to total assets | 86.9185% | 1,704 |
| Equity capital to assets | 12.5189% | 1,417 |
| Core capital (leverage) ratio | 11.2145% | 1,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7028% | 1,590 |
| Memoranda: | ||
| Average total assets | $184,897,250 | 3,051 |
| Average earning assets | $174,258,250 | 3,028 |
| Average equity | $26,280,500 | 2,712 |
| Average total loans | $117,576,250 | 3,017 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7954% | 1,180 |
| Cost of funding earning assets | 0.8265% | 1,695 |
| Net interest margin | 3.9689% | 1,403 |
| Noninterest income to average assets | 0.6709% | 1,850 |
| Noninterest expense to average assets | 2.2052% | 3,767 |
| Loan and lease loss provision to assets | 0.6272% | 492 |
| Net operating income to assets | 1.4634% | 988 |
| Return on assets (ROA) | 1.5036% | 991 |
| Pretax return on assets | 1.6371% | 1,136 |
| Return on Equity (ROE) | 10.0332% | 1,973 |
| Retained earnings to average equity (ytd only) | 1.1665% | 4,050 |
| Net charge-offs to loans | 0.6138% | 260 |
| Credit loss provision to net charge-offs | 155.2632% | 2,104 |
| Earnings coverage of net charge-offs (x) | 5.4971% | 2,510 |
| Efficiency ratio | 49.8265% | 4,513 |
| Assets per employee ($millions) | 7.8693% | 1,019 |
| Cash dividends to net income (ytd only)* | 88.3739% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7450% | 740 |
| Loan loss allowance to noncurrent loans | 102.8140% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 1.1506% | 965 |
| Noncurrent loans to loans | 1.6973% | 853 |
| Net loans and leases to total assets | 64.1685% | 2,859 |
| Net loans and leases to deposits | 76.3281% | 2,824 |
| Net loans and leases to core deposits | 94.9358% | 1,664 |
| Total domestic deposits to total assets | 84.0692% | 2,729 |
| Equity capital to assets | 15.2931% | 570 |
| Core capital (leverage) ratio | 13.9309% | 764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7257% | 699 |
| Memoranda: | ||
| Average total assets | $169,326,333 | 3,165 |
| Average earning assets | $160,196,333 | 3,129 |
| Average equity | $25,375,667 | 2,756 |
| Average total loans | $111,439,667 | 3,082 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8308% | 1,346 |
| Cost of funding earning assets | 0.9044% | 1,841 |
| Net interest margin | 3.9265% | 1,593 |
| Noninterest income to average assets | 0.5519% | 2,272 |
| Noninterest expense to average assets | 2.2792% | 3,819 |
| Loan and lease loss provision to assets | 0.5973% | 466 |
| Net operating income to assets | 1.2648% | 1,343 |
| Return on assets (ROA) | 1.3307% | 1,248 |
| Pretax return on assets | 1.4502% | 1,436 |
| Return on Equity (ROE) | 8.9746% | 2,117 |
| Retained earnings to average equity (ytd only) | 0.5156% | 3,871 |
| Net charge-offs to loans | 0.4484% | 323 |
| Credit loss provision to net charge-offs | 201.6129% | 1,411 |
| Earnings coverage of net charge-offs (x) | 6.6694% | 1,972 |
| Efficiency ratio | 53.5654% | 4,428 |
| Assets per employee ($millions) | 6.9565% | 1,112 |
| Cash dividends to net income (ytd only)* | 94.2549% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7167% | 851 |
| Loan loss allowance to noncurrent loans | 89.8824% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.2728% | 935 |
| Noncurrent loans to loans | 1.9099% | 769 |
| Net loans and leases to total assets | 65.4963% | 2,875 |
| Net loans and leases to deposits | 77.7539% | 2,911 |
| Net loans and leases to core deposits | 96.6886% | 1,733 |
| Total domestic deposits to total assets | 84.2354% | 2,699 |
| Equity capital to assets | 14.5428% | 880 |
| Core capital (leverage) ratio | 14.3427% | 825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3890% | 708 |
| Memoranda: | ||
| Average total assets | $167,427,500 | 3,159 |
| Average earning assets | $157,903,000 | 3,131 |
| Average equity | $24,825,500 | 2,788 |
| Average total loans | $110,627,500 | 3,069 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1721% | 1,058 |
| Cost of funding earning assets | 0.8854% | 2,259 |
| Net interest margin | 4.2868% | 1,120 |
| Noninterest income to average assets | 0.9397% | 1,097 |
| Noninterest expense to average assets | 2.3985% | 3,695 |
| Loan and lease loss provision to assets | 0.2112% | 948 |
| Net operating income to assets | 2.3357% | 174 |
| Return on assets (ROA) | 2.3545% | 179 |
| Pretax return on assets | 2.4249% | 239 |
| Return on Equity (ROE) | 15.8794% | 554 |
| Retained earnings to average equity (ytd only) | 0.6290% | 4,508 |
| Net charge-offs to loans | 0.5338% | 347 |
| Credit loss provision to net charge-offs | 59.0164% | 3,047 |
| Earnings coverage of net charge-offs (x) | 7.3131% | 2,889 |
| Efficiency ratio | 47.8246% | 4,839 |
| Assets per employee ($millions) | 6.7160% | 1,172 |
| Cash dividends to net income (ytd only)* | 96.0389% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6219% | 933 |
| Loan loss allowance to noncurrent loans | 180.2020% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6135% | 2,054 |
| Noncurrent loans to loans | 0.9000% | 1,710 |
| Net loans and leases to total assets | 64.4501% | 3,140 |
| Net loans and leases to deposits | 76.5148% | 3,130 |
| Net loans and leases to core deposits | 96.0313% | 1,898 |
| Total domestic deposits to total assets | 84.2322% | 2,775 |
| Equity capital to assets | 15.1109% | 768 |
| Core capital (leverage) ratio | 14.3334% | 841 |
| Tier 1 risk-based capital ratio | 19.3554% | 1,448 |
| Total risk-based capital ratio | 20.6078% | 1,412 |
| Memoranda: | ||
| Average total assets | $170,483,600 | 3,107 |
| Average earning assets | $162,080,800 | 3,067 |
| Average equity | $25,278,000 | 2,697 |
| Average total loans | $114,284,200 | 3,020 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2155% | 1,010 |
| Cost of funding earning assets | 0.8615% | 2,405 |
| Net interest margin | 4.3540% | 1,045 |
| Noninterest income to average assets | 1.0471% | 841 |
| Noninterest expense to average assets | 2.2844% | 3,992 |
| Loan and lease loss provision to assets | 0.1870% | 966 |
| Net operating income to assets | 2.6756% | 126 |
| Return on assets (ROA) | 2.6825% | 129 |
| Pretax return on assets | 2.7292% | 163 |
| Return on Equity (ROE) | 18.1770% | 381 |
| Retained earnings to average equity (ytd only) | 6.2719% | 2,235 |
| Net charge-offs to loans | 0.2254% | 787 |
| Credit loss provision to net charge-offs | 123.0769% | 1,913 |
| Earnings coverage of net charge-offs (x) | 19.1490% | 2,019 |
| Efficiency ratio | 43.9844% | 5,016 |
| Assets per employee ($millions) | 6.7057% | 1,155 |
| Cash dividends to net income (ytd only)* | 65.4952% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8311% | 636 |
| Loan loss allowance to noncurrent loans | 129.4521% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.9997% | 1,344 |
| Noncurrent loans to loans | 1.4145% | 1,076 |
| Net loans and leases to total assets | 66.4877% | 2,992 |
| Net loans and leases to deposits | 79.6521% | 2,932 |
| Net loans and leases to core deposits | 99.8048% | 1,672 |
| Total domestic deposits to total assets | 83.4726% | 3,003 |
| Equity capital to assets | 15.7495% | 688 |
| Core capital (leverage) ratio | 14.6365% | 827 |
| Tier 1 risk-based capital ratio | 20.6340% | 1,250 |
| Total risk-based capital ratio | 21.8896% | 1,223 |
| Memoranda: | ||
| Average total assets | $171,129,750 | 3,134 |
| Average earning assets | $162,971,250 | 3,086 |
| Average equity | $25,254,750 | 2,711 |
| Average total loans | $115,356,500 | 3,035 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1906% | 995 |
| Cost of funding earning assets | 0.8354% | 2,476 |
| Net interest margin | 4.3552% | 1,027 |
| Noninterest income to average assets | 1.2305% | 570 |
| Noninterest expense to average assets | 2.2903% | 4,029 |
| Loan and lease loss provision to assets | 0.1741% | 1,038 |
| Net operating income to assets | 2.9113% | 95 |
| Return on assets (ROA) | 2.8754% | 104 |
| Pretax return on assets | 2.8754% | 143 |
| Return on Equity (ROE) | 19.9180% | 264 |
| Retained earnings to average equity (ytd only) | 8.5397% | 1,184 |
| Net charge-offs to loans | 0.2932% | 581 |
| Credit loss provision to net charge-offs | 88.2353% | 2,149 |
| Earnings coverage of net charge-offs (x) | 15.6353% | 1,973 |
| Efficiency ratio | 42.6042% | 5,103 |
| Assets per employee ($millions) | 6.7988% | 1,090 |
| Cash dividends to net income (ytd only)* | 57.1256% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7433% | 760 |
| Loan loss allowance to noncurrent loans | 152.6914% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.8054% | 1,747 |
| Noncurrent loans to loans | 1.1417% | 1,423 |
| Net loans and leases to total assets | 66.7839% | 3,006 |
| Net loans and leases to deposits | 79.5175% | 3,005 |
| Net loans and leases to core deposits | 97.4544% | 1,933 |
| Total domestic deposits to total assets | 83.9865% | 2,873 |
| Equity capital to assets | 15.3416% | 737 |
| Core capital (leverage) ratio | 14.3977% | 854 |
| Tier 1 risk-based capital ratio | 20.0820% | 1,338 |
| Total risk-based capital ratio | 21.3368% | 1,305 |
| Memoranda: | ||
| Average total assets | $172,292,000 | 3,130 |
| Average earning assets | $163,988,670 | 3,091 |
| Average equity | $24,872,000 | 2,737 |
| Average total loans | $115,961,670 | 3,029 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1581% | 987 |
| Cost of funding earning assets | 0.7954% | 2,560 |
| Net interest margin | 4.3627% | 984 |
| Noninterest income to average assets | 1.7388% | 303 |
| Noninterest expense to average assets | 2.2554% | 4,136 |
| Loan and lease loss provision to assets | 0.1730% | 969 |
| Net operating income to assets | 3.4591% | 71 |
| Return on assets (ROA) | 3.4591% | 74 |
| Pretax return on assets | 3.4591% | 91 |
| Return on Equity (ROE) | 24.7219% | 103 |
| Retained earnings to average equity (ytd only) | 16.0692% | 222 |
| Net charge-offs to loans | 0.2135% | 659 |
| Credit loss provision to net charge-offs | 120.9677% | 1,408 |
| Earnings coverage of net charge-offs (x) | 25.4032% | 1,425 |
| Efficiency ratio | 38.3079% | 5,239 |
| Assets per employee ($millions) | 7.2051% | 916 |
| Cash dividends to net income (ytd only)* | 35.0000% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7615% | 760 |
| Loan loss allowance to noncurrent loans | 83.5918% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.4486% | 846 |
| Noncurrent loans to loans | 2.1073% | 693 |
| Net loans and leases to total assets | 66.0502% | 3,044 |
| Net loans and leases to deposits | 77.8240% | 3,077 |
| Net loans and leases to core deposits | 93.8844% | 2,136 |
| Total domestic deposits to total assets | 84.8713% | 2,728 |
| Equity capital to assets | 14.5279% | 873 |
| Core capital (leverage) ratio | 14.2916% | 868 |
| Tier 1 risk-based capital ratio | 19.7542% | 1,385 |
| Total risk-based capital ratio | 21.0087% | 1,362 |
| Memoranda: | ||
| Average total assets | $173,453,500 | 3,156 |
| Average earning assets | $164,943,500 | 3,116 |
| Average equity | $24,270,000 | 2,782 |
| Average total loans | $116,179,500 | 3,060 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9069% | 1,263 |
| Cost of funding earning assets | 0.5263% | 3,202 |
| Net interest margin | 4.3806% | 983 |
| Noninterest income to average assets | 1.1353% | 713 |
| Noninterest expense to average assets | 2.1810% | 4,382 |
| Loan and lease loss provision to assets | 0.1723% | 1,154 |
| Net operating income to assets | 2.9212% | 87 |
| Return on assets (ROA) | 2.8396% | 98 |
| Pretax return on assets | 2.8396% | 120 |
| Return on Equity (ROE) | 20.3689% | 232 |
| Retained earnings to average equity (ytd only) | -0.0535% | 4,990 |
| Net charge-offs to loans | 0.3084% | 629 |
| Credit loss provision to net charge-offs | 84.9858% | 2,786 |
| Earnings coverage of net charge-offs (x) | 15.2606% | 2,337 |
| Efficiency ratio | 41.3500% | 5,256 |
| Assets per employee ($millions) | 6.9594% | 993 |
| Cash dividends to net income (ytd only)* | 100.2629% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7529% | 748 |
| Loan loss allowance to noncurrent loans | 75.7068% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.5766% | 727 |
| Noncurrent loans to loans | 2.3153% | 542 |
| Net loans and leases to total assets | 65.5578% | 3,194 |
| Net loans and leases to deposits | 76.2031% | 3,334 |
| Net loans and leases to core deposits | 90.2931% | 2,551 |
| Total domestic deposits to total assets | 86.0303% | 2,214 |
| Equity capital to assets | 13.4599% | 1,159 |
| Core capital (leverage) ratio | 13.7292% | 999 |
| Tier 1 risk-based capital ratio | 17.8533% | 1,795 |
| Total risk-based capital ratio | 19.1069% | 1,756 |
| Memoranda: | ||
| Average total assets | $174,143,000 | 3,122 |
| Average earning assets | $164,542,600 | 3,091 |
| Average equity | $24,277,200 | 2,698 |
| Average total loans | $114,459,000 | 3,070 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 1,254 |
| Cost of funding earning assets | 0.4987% | 3,210 |
| Net interest margin | 4.3664% | 977 |
| Noninterest income to average assets | 1.2500% | 617 |
| Noninterest expense to average assets | 2.0614% | 4,619 |
| Loan and lease loss provision to assets | 0.1722% | 1,075 |
| Net operating income to assets | 3.1384% | 71 |
| Return on assets (ROA) | 3.2218% | 67 |
| Pretax return on assets | 3.2218% | 92 |
| Return on Equity (ROE) | 22.9130% | 139 |
| Retained earnings to average equity (ytd only) | 9.3579% | 1,092 |
| Net charge-offs to loans | 0.1146% | 1,358 |
| Credit loss provision to net charge-offs | 229.5918% | 1,252 |
| Earnings coverage of net charge-offs (x) | 44.1338% | 1,272 |
| Efficiency ratio | 38.3728% | 5,363 |
| Assets per employee ($millions) | 6.5940% | 1,139 |
| Cash dividends to net income (ytd only)* | 59.1590% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9192% | 569 |
| Loan loss allowance to noncurrent loans | 71.0754% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.8490% | 615 |
| Noncurrent loans to loans | 2.7003% | 453 |
| Net loans and leases to total assets | 65.9951% | 3,176 |
| Net loans and leases to deposits | 77.6224% | 3,271 |
| Net loans and leases to core deposits | 94.2144% | 2,269 |
| Total domestic deposits to total assets | 85.0207% | 2,600 |
| Equity capital to assets | 14.3138% | 877 |
| Core capital (leverage) ratio | 14.8004% | 753 |
| Tier 1 risk-based capital ratio | 20.1360% | 1,309 |
| Total risk-based capital ratio | 21.3919% | 1,277 |
| Memoranda: | ||
| Average total assets | $174,182,750 | 3,145 |
| Average earning assets | $164,432,250 | 3,104 |
| Average equity | $24,492,000 | 2,694 |
| Average total loans | $114,050,000 | 3,096 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8085% | 1,225 |
| Cost of funding earning assets | 0.4802% | 3,156 |
| Net interest margin | 4.3283% | 980 |
| Noninterest income to average assets | 1.3741% | 502 |
| Noninterest expense to average assets | 2.1177% | 4,560 |
| Loan and lease loss provision to assets | 0.1713% | 1,071 |
| Net operating income to assets | 3.1617% | 73 |
| Return on assets (ROA) | 3.2519% | 67 |
| Pretax return on assets | 3.2519% | 87 |
| Return on Equity (ROE) | 23.2636% | 120 |
| Retained earnings to average equity (ytd only) | 11.9055% | 530 |
| Net charge-offs to loans | -0.0088% | 4,279 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8516% | 5,419 |
| Assets per employee ($millions) | 6.7255% | 1,060 |
| Cash dividends to net income (ytd only)* | 48.8233% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9410% | 575 |
| Loan loss allowance to noncurrent loans | 65.9994% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.9741% | 550 |
| Noncurrent loans to loans | 2.9410% | 391 |
| Net loans and leases to total assets | 64.7724% | 3,309 |
| Net loans and leases to deposits | 75.9976% | 3,335 |
| Net loans and leases to core deposits | 91.9313% | 2,407 |
| Total domestic deposits to total assets | 85.2296% | 2,588 |
| Equity capital to assets | 14.1722% | 886 |
| Core capital (leverage) ratio | 14.4198% | 800 |
| Tier 1 risk-based capital ratio | 18.9381% | 1,560 |
| Total risk-based capital ratio | 20.1936% | 1,523 |
| Memoranda: | ||
| Average total assets | $175,096,000 | 3,149 |
| Average earning assets | $164,915,670 | 3,116 |
| Average equity | $24,476,000 | 2,707 |
| Average total loans | $113,614,000 | 3,115 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8514% | 975 |
| Cost of funding earning assets | 0.4632% | 3,100 |
| Net interest margin | 4.3882% | 786 |
| Noninterest income to average assets | 1.4611% | 443 |
| Noninterest expense to average assets | 2.2236% | 4,358 |
| Loan and lease loss provision to assets | 0.1712% | 1,028 |
| Net operating income to assets | 3.1756% | 76 |
| Return on assets (ROA) | 3.3559% | 68 |
| Pretax return on assets | 3.3559% | 88 |
| Return on Equity (ROE) | 24.1746% | 100 |
| Retained earnings to average equity (ytd only) | 15.1297% | 318 |
| Net charge-offs to loans | 0.1704% | 849 |
| Credit loss provision to net charge-offs | 156.2500% | 1,211 |
| Earnings coverage of net charge-offs (x) | 30.5417% | 1,226 |
| Efficiency ratio | 39.9180% | 5,460 |
| Assets per employee ($millions) | 6.7085% | 1,086 |
| Cash dividends to net income (ytd only)* | 37.4150% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8852% | 674 |
| Loan loss allowance to noncurrent loans | 143.9074% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.8737% | 1,820 |
| Noncurrent loans to loans | 1.3100% | 1,362 |
| Net loans and leases to total assets | 63.0778% | 3,422 |
| Net loans and leases to deposits | 73.7465% | 3,436 |
| Net loans and leases to core deposits | 88.6101% | 2,584 |
| Total domestic deposits to total assets | 85.5333% | 2,738 |
| Equity capital to assets | 13.9375% | 906 |
| Core capital (leverage) ratio | 14.2896% | 811 |
| Tier 1 risk-based capital ratio | 18.9898% | 1,547 |
| Total risk-based capital ratio | 20.2447% | 1,515 |
| Memoranda: | ||
| Average total assets | $175,212,500 | 3,186 |
| Average earning assets | $164,075,000 | 3,163 |
| Average equity | $24,323,000 | 2,741 |
| Average total loans | $112,668,500 | 3,152 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6943% | 1,210 |
| Cost of funding earning assets | 0.3688% | 3,528 |
| Net interest margin | 4.3255% | 914 |
| Noninterest income to average assets | 0.4888% | 3,068 |
| Noninterest expense to average assets | 2.1079% | 4,746 |
| Loan and lease loss provision to assets | 0.2261% | 868 |
| Net operating income to assets | 2.2577% | 177 |
| Return on assets (ROA) | 2.4425% | 131 |
| Pretax return on assets | 2.4425% | 200 |
| Return on Equity (ROE) | 17.1200% | 386 |
| Retained earnings to average equity (ytd only) | 0.4833% | 4,843 |
| Net charge-offs to loans | 0.1943% | 1,312 |
| Credit loss provision to net charge-offs | 184.3318% | 1,476 |
| Earnings coverage of net charge-offs (x) | 20.2535% | 1,977 |
| Efficiency ratio | 45.9077% | 5,396 |
| Assets per employee ($millions) | 6.7694% | 1,070 |
| Cash dividends to net income (ytd only)* | 97.1772% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8436% | 717 |
| Loan loss allowance to noncurrent loans | 141.4915% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.8380% | 1,861 |
| Noncurrent loans to loans | 1.3030% | 1,336 |
| Net loans and leases to total assets | 63.1321% | 3,470 |
| Net loans and leases to deposits | 73.6651% | 3,545 |
| Net loans and leases to core deposits | 88.1865% | 2,706 |
| Total domestic deposits to total assets | 85.7015% | 2,575 |
| Equity capital to assets | 13.8270% | 956 |
| Core capital (leverage) ratio | 13.6237% | 932 |
| Tier 1 risk-based capital ratio | 18.1891% | 1,747 |
| Total risk-based capital ratio | 19.4443% | 1,695 |
| Memoranda: | ||
| Average total assets | $176,951,000 | 3,156 |
| Average earning assets | $167,840,400 | 3,102 |
| Average equity | $25,245,400 | 2,658 |
| Average total loans | $111,676,800 | 3,152 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 1,174 |
| Cost of funding earning assets | 0.3489% | 3,680 |
| Net interest margin | 4.3356% | 847 |
| Noninterest income to average assets | 0.4884% | 3,090 |
| Noninterest expense to average assets | 2.0452% | 4,859 |
| Loan and lease loss provision to assets | 0.2446% | 706 |
| Net operating income to assets | 2.3319% | 173 |
| Return on assets (ROA) | 2.4418% | 149 |
| Pretax return on assets | 2.4418% | 235 |
| Return on Equity (ROE) | 16.9851% | 425 |
| Retained earnings to average equity (ytd only) | 7.0924% | 1,646 |
| Net charge-offs to loans | 0.1198% | 1,592 |
| Credit loss provision to net charge-offs | 325.0000% | 926 |
| Earnings coverage of net charge-offs (x) | 34.2400% | 1,448 |
| Efficiency ratio | 44.2527% | 5,474 |
| Assets per employee ($millions) | 6.6579% | 1,097 |
| Cash dividends to net income (ytd only)* | 58.2435% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9034% | 696 |
| Loan loss allowance to noncurrent loans | 142.5703% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.8631% | 1,991 |
| Noncurrent loans to loans | 1.3351% | 1,424 |
| Net loans and leases to total assets | 63.4143% | 3,501 |
| Net loans and leases to deposits | 76.3136% | 3,346 |
| Net loans and leases to core deposits | 92.6527% | 2,381 |
| Total domestic deposits to total assets | 83.0971% | 3,426 |
| Equity capital to assets | 15.1329% | 707 |
| Core capital (leverage) ratio | 14.1957% | 840 |
| Tier 1 risk-based capital ratio | 19.5702% | 1,460 |
| Total risk-based capital ratio | 20.8254% | 1,429 |
| Memoranda: | ||
| Average total assets | $177,187,750 | 3,182 |
| Average earning assets | $168,924,750 | 3,111 |
| Average equity | $25,472,750 | 2,664 |
| Average total loans | $111,295,500 | 3,188 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6185% | 1,221 |
| Cost of funding earning assets | 0.3325% | 3,764 |
| Net interest margin | 4.2860% | 896 |
| Noninterest income to average assets | 0.4917% | 3,072 |
| Noninterest expense to average assets | 1.9692% | 5,037 |
| Loan and lease loss provision to assets | 0.2800% | 566 |
| Net operating income to assets | 2.3288% | 166 |
| Return on assets (ROA) | 2.4845% | 130 |
| Pretax return on assets | 2.4845% | 217 |
| Return on Equity (ROE) | 17.5811% | 363 |
| Retained earnings to average equity (ytd only) | 8.4259% | 1,023 |
| Net charge-offs to loans | 0.0540% | 2,156 |
| Credit loss provision to net charge-offs | 833.3333% | 441 |
| Earnings coverage of net charge-offs (x) | 77.6333% | 788 |
| Efficiency ratio | 43.0144% | 5,549 |
| Assets per employee ($millions) | 7.1397% | 873 |
| Cash dividends to net income (ytd only)* | 52.0739% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8675% | 765 |
| Loan loss allowance to noncurrent loans | 119.8646% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.9928% | 1,766 |
| Noncurrent loans to loans | 1.5580% | 1,200 |
| Net loans and leases to total assets | 62.5307% | 3,571 |
| Net loans and leases to deposits | 74.2206% | 3,521 |
| Net loans and leases to core deposits | 89.9032% | 2,536 |
| Total domestic deposits to total assets | 84.2498% | 3,108 |
| Equity capital to assets | 14.6432% | 783 |
| Core capital (leverage) ratio | 14.0275% | 858 |
| Tier 1 risk-based capital ratio | 19.0119% | 1,593 |
| Total risk-based capital ratio | 20.2664% | 1,537 |
| Memoranda: | ||
| Average total assets | $178,548,330 | 3,175 |
| Average earning assets | $170,227,670 | 3,107 |
| Average equity | $25,231,670 | 2,687 |
| Average total loans | $111,092,670 | 3,206 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6063% | 1,126 |
| Cost of funding earning assets | 0.3220% | 3,833 |
| Net interest margin | 4.2843% | 821 |
| Noninterest income to average assets | 0.4816% | 3,102 |
| Noninterest expense to average assets | 2.0361% | 4,968 |
| Loan and lease loss provision to assets | 0.2800% | 509 |
| Net operating income to assets | 2.2489% | 208 |
| Return on assets (ROA) | 2.4527% | 150 |
| Pretax return on assets | 2.4527% | 236 |
| Return on Equity (ROE) | 17.6763% | 359 |
| Retained earnings to average equity (ytd only) | 9.2013% | 1,018 |
| Net charge-offs to loans | -0.0073% | 4,298 |
| Credit loss provision to net charge-offs | -6,250.0000% | 4,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6026% | 5,576 |
| Assets per employee ($millions) | 7.1038% | 903 |
| Cash dividends to net income (ytd only)* | 47.9452% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8202% | 924 |
| Loan loss allowance to noncurrent loans | 104.4753% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 1.1509% | 1,536 |
| Noncurrent loans to loans | 1.7422% | 1,097 |
| Net loans and leases to total assets | 61.6844% | 3,580 |
| Net loans and leases to deposits | 72.6019% | 3,554 |
| Net loans and leases to core deposits | 87.5719% | 2,584 |
| Total domestic deposits to total assets | 84.9625% | 3,106 |
| Equity capital to assets | 14.1157% | 872 |
| Core capital (leverage) ratio | 13.7251% | 909 |
| Tier 1 risk-based capital ratio | 18.7700% | 1,673 |
| Total risk-based capital ratio | 20.0237% | 1,629 |
| Memoranda: | ||
| Average total assets | $178,576,000 | 3,205 |
| Average earning assets | $170,201,000 | 3,133 |
| Average equity | $24,779,000 | 2,726 |
| Average total loans | $109,770,500 | 3,251 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 2,372 |
| Cost of funding earning assets | 0.2856% | 4,209 |
| Net interest margin | 3.9485% | 1,796 |
| Noninterest income to average assets | 0.5105% | 3,168 |
| Noninterest expense to average assets | 1.9532% | 5,279 |
| Loan and lease loss provision to assets | 0.2745% | 730 |
| Net operating income to assets | 2.0553% | 280 |
| Return on assets (ROA) | 2.3374% | 194 |
| Pretax return on assets | 2.3374% | 256 |
| Return on Equity (ROE) | 16.4008% | 470 |
| Retained earnings to average equity (ytd only) | 6.2899% | 1,568 |
| Net charge-offs to loans | 0.3224% | 851 |
| Credit loss provision to net charge-offs | 148.8095% | 1,840 |
| Earnings coverage of net charge-offs (x) | 12.6310% | 2,432 |
| Efficiency ratio | 45.6037% | 5,652 |
| Assets per employee ($millions) | 7.1822% | 843 |
| Cash dividends to net income (ytd only)* | 61.6487% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7636% | 1,013 |
| Loan loss allowance to noncurrent loans | 81.5767% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.5182% | 1,085 |
| Noncurrent loans to loans | 2.1619% | 794 |
| Net loans and leases to total assets | 59.0663% | 3,956 |
| Net loans and leases to deposits | 70.3454% | 3,874 |
| Net loans and leases to core deposits | 84.6695% | 2,964 |
| Total domestic deposits to total assets | 83.9660% | 3,430 |
| Equity capital to assets | 13.6386% | 1,000 |
| Core capital (leverage) ratio | 13.4709% | 984 |
| Tier 1 risk-based capital ratio | 18.4980% | 1,730 |
| Total risk-based capital ratio | 19.7507% | 1,694 |
| Memoranda: | ||
| Average total assets | $182,166,000 | 3,146 |
| Average earning assets | $174,042,800 | 3,066 |
| Average equity | $25,962,200 | 2,637 |
| Average total loans | $104,202,600 | 3,310 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2410% | 2,374 |
| Cost of funding earning assets | 0.2869% | 4,232 |
| Net interest margin | 3.9542% | 1,801 |
| Noninterest income to average assets | 0.5229% | 3,095 |
| Noninterest expense to average assets | 1.8327% | 5,478 |
| Loan and lease loss provision to assets | 0.2735% | 646 |
| Net operating income to assets | 2.1967% | 247 |
| Return on assets (ROA) | 2.5693% | 148 |
| Pretax return on assets | 2.5693% | 199 |
| Return on Equity (ROE) | 17.8395% | 372 |
| Retained earnings to average equity (ytd only) | 14.1176% | 164 |
| Net charge-offs to loans | 0.1769% | 1,309 |
| Credit loss provision to net charge-offs | 273.7226% | 1,122 |
| Earnings coverage of net charge-offs (x) | 24.7229% | 1,662 |
| Efficiency ratio | 42.5932% | 5,772 |
| Assets per employee ($millions) | 7.0124% | 887 |
| Cash dividends to net income (ytd only)* | 20.8630% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9423% | 793 |
| Loan loss allowance to noncurrent loans | 91.3626% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.3074% | 1,465 |
| Noncurrent loans to loans | 2.1260% | 896 |
| Net loans and leases to total assets | 56.9611% | 4,200 |
| Net loans and leases to deposits | 68.0120% | 4,150 |
| Net loans and leases to core deposits | 83.6101% | 3,163 |
| Total domestic deposits to total assets | 83.7515% | 3,296 |
| Equity capital to assets | 15.6546% | 606 |
| Core capital (leverage) ratio | 14.0083% | 845 |
| Tier 1 risk-based capital ratio | 20.5704% | 1,344 |
| Total risk-based capital ratio | 21.8251% | 1,313 |
| Memoranda: | ||
| Average total assets | $182,818,500 | 3,143 |
| Average earning assets | $174,765,000 | 3,076 |
| Average equity | $26,330,500 | 2,631 |
| Average total loans | $103,263,000 | 3,334 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1940% | 2,529 |
| Cost of funding earning assets | 0.2858% | 4,288 |
| Net interest margin | 3.9083% | 1,953 |
| Noninterest income to average assets | 0.5105% | 3,120 |
| Noninterest expense to average assets | 1.8584% | 5,524 |
| Loan and lease loss provision to assets | 0.2698% | 692 |
| Net operating income to assets | 2.1163% | 266 |
| Return on assets (ROA) | 2.4563% | 166 |
| Pretax return on assets | 2.4563% | 235 |
| Return on Equity (ROE) | 17.5351% | 395 |
| Retained earnings to average equity (ytd only) | 17.5351% | 89 |
| Net charge-offs to loans | 0.1832% | 1,249 |
| Credit loss provision to net charge-offs | 263.1579% | 1,061 |
| Earnings coverage of net charge-offs (x) | 23.2737% | 1,595 |
| Efficiency ratio | 43.7834% | 5,818 |
| Assets per employee ($millions) | 7.2659% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8343% | 1,020 |
| Loan loss allowance to noncurrent loans | 114.9272% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.9854% | 2,171 |
| Noncurrent loans to loans | 1.5960% | 1,342 |
| Net loans and leases to total assets | 55.8019% | 4,333 |
| Net loans and leases to deposits | 66.7644% | 4,287 |
| Net loans and leases to core deposits | 81.7173% | 3,298 |
| Total domestic deposits to total assets | 83.5803% | 3,432 |
| Equity capital to assets | 15.0671% | 716 |
| Core capital (leverage) ratio | 13.3007% | 1,057 |
| Tier 1 risk-based capital ratio | 19.9269% | 1,472 |
| Total risk-based capital ratio | 21.1802% | 1,434 |
| Memoranda: | ||
| Average total assets | $185,321,670 | 3,131 |
| Average earning assets | $177,061,330 | 3,073 |
| Average equity | $25,959,330 | 2,670 |
| Average total loans | $103,738,670 | 3,345 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1035% | 2,830 |
| Cost of funding earning assets | 0.2842% | 4,342 |
| Net interest margin | 3.8193% | 2,224 |
| Noninterest income to average assets | 0.5493% | 2,808 |
| Noninterest expense to average assets | 1.8124% | 5,639 |
| Loan and lease loss provision to assets | 0.2672% | 632 |
| Net operating income to assets | 2.1180% | 271 |
| Return on assets (ROA) | 2.2954% | 213 |
| Pretax return on assets | 2.2954% | 317 |
| Return on Equity (ROE) | 17.0108% | 437 |
| Retained earnings to average equity (ytd only) | 17.0108% | 149 |
| Net charge-offs to loans | 0.2154% | 941 |
| Credit loss provision to net charge-offs | 223.2143% | 1,009 |
| Earnings coverage of net charge-offs (x) | 19.9286% | 1,487 |
| Efficiency ratio | 43.1772% | 5,890 |
| Assets per employee ($millions) | 7.4793% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7475% | 1,254 |
| Loan loss allowance to noncurrent loans | 144.3735% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.8044% | 2,687 |
| Noncurrent loans to loans | 1.2104% | 2,004 |
| Net loans and leases to total assets | 54.3956% | 4,414 |
| Net loans and leases to deposits | 63.4961% | 4,473 |
| Net loans and leases to core deposits | 77.1319% | 3,578 |
| Total domestic deposits to total assets | 85.6676% | 2,825 |
| Equity capital to assets | 13.8644% | 1,030 |
| Core capital (leverage) ratio | 12.4140% | 1,374 |
| Tier 1 risk-based capital ratio | 18.8797% | 1,760 |
| Total risk-based capital ratio | 20.1329% | 1,723 |
| Memoranda: | ||
| Average total assets | $187,158,500 | 3,124 |
| Average earning assets | $178,774,000 | 3,063 |
| Average equity | $25,254,500 | 2,726 |
| Average total loans | $103,979,500 | 3,355 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8201% | 3,979 |
| Cost of funding earning assets | 0.2828% | 4,448 |
| Net interest margin | 3.5373% | 3,390 |
| Noninterest income to average assets | 0.6479% | 2,467 |
| Noninterest expense to average assets | 1.7707% | 5,778 |
| Loan and lease loss provision to assets | 0.2107% | 991 |
| Net operating income to assets | 2.0533% | 318 |
| Return on assets (ROA) | 2.2886% | 219 |
| Pretax return on assets | 2.2886% | 298 |
| Return on Equity (ROE) | 18.5648% | 349 |
| Retained earnings to average equity (ytd only) | 8.5613% | 761 |
| Net charge-offs to loans | 0.2457% | 1,224 |
| Credit loss provision to net charge-offs | 171.5481% | 1,576 |
| Earnings coverage of net charge-offs (x) | 18.4351% | 2,011 |
| Efficiency ratio | 43.8869% | 5,984 |
| Assets per employee ($millions) | 7.4934% | 706 |
| Cash dividends to net income (ytd only)* | 53.8841% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6660% | 1,433 |
| Loan loss allowance to noncurrent loans | 139.3114% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 3,044 |
| Noncurrent loans to loans | 1.1959% | 1,975 |
| Net loans and leases to total assets | 54.8216% | 4,415 |
| Net loans and leases to deposits | 63.4111% | 4,517 |
| Net loans and leases to core deposits | 76.9473% | 3,671 |
| Total domestic deposits to total assets | 86.4542% | 2,405 |
| Equity capital to assets | 13.1235% | 1,290 |
| Core capital (leverage) ratio | 11.8543% | 1,723 |
| Tier 1 risk-based capital ratio | 18.0295% | 1,957 |
| Total risk-based capital ratio | 19.2820% | 1,912 |
| Memoranda: | ||
| Average total assets | $194,616,400 | 2,999 |
| Average earning assets | $186,328,400 | 2,925 |
| Average equity | $23,991,600 | 2,785 |
| Average total loans | $97,264,400 | 3,429 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7425% | 4,282 |
| Cost of funding earning assets | 0.2830% | 4,529 |
| Net interest margin | 3.4595% | 3,723 |
| Noninterest income to average assets | 0.6882% | 2,287 |
| Noninterest expense to average assets | 1.6459% | 5,949 |
| Loan and lease loss provision to assets | 0.2070% | 954 |
| Net operating income to assets | 2.1536% | 280 |
| Return on assets (ROA) | 2.4027% | 190 |
| Pretax return on assets | 2.4027% | 285 |
| Return on Equity (ROE) | 19.7955% | 285 |
| Retained earnings to average equity (ytd only) | 14.2035% | 198 |
| Net charge-offs to loans | 0.1480% | 1,654 |
| Credit loss provision to net charge-offs | 287.7358% | 999 |
| Earnings coverage of net charge-offs (x) | 32.8113% | 1,409 |
| Efficiency ratio | 41.0808% | 6,107 |
| Assets per employee ($millions) | 7.4967% | 689 |
| Cash dividends to net income (ytd only)* | 28.2486% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7854% | 1,299 |
| Loan loss allowance to noncurrent loans | 168.5415% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.5597% | 3,629 |
| Noncurrent loans to loans | 1.0593% | 2,363 |
| Net loans and leases to total assets | 51.8934% | 4,767 |
| Net loans and leases to deposits | 60.8240% | 4,796 |
| Net loans and leases to core deposits | 73.4553% | 4,063 |
| Total domestic deposits to total assets | 85.3172% | 2,875 |
| Equity capital to assets | 13.3318% | 1,297 |
| Core capital (leverage) ratio | 11.8795% | 1,759 |
| Tier 1 risk-based capital ratio | 18.9602% | 1,783 |
| Total risk-based capital ratio | 20.2129% | 1,752 |
| Memoranda: | ||
| Average total assets | $196,436,750 | 3,010 |
| Average earning assets | $188,424,750 | 2,929 |
| Average equity | $23,843,250 | 2,820 |
| Average total loans | $95,470,500 | 3,498 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6135% | 4,687 |
| Cost of funding earning assets | 0.2788% | 4,625 |
| Net interest margin | 3.3346% | 4,161 |
| Noninterest income to average assets | 0.7491% | 1,994 |
| Noninterest expense to average assets | 1.6075% | 6,044 |
| Loan and lease loss provision to assets | 0.2006% | 977 |
| Net operating income to assets | 2.1430% | 284 |
| Return on assets (ROA) | 2.3275% | 227 |
| Pretax return on assets | 2.3275% | 324 |
| Return on Equity (ROE) | 19.7849% | 284 |
| Retained earnings to average equity (ytd only) | 13.8179% | 242 |
| Net charge-offs to loans | 0.1718% | 1,436 |
| Credit loss provision to net charge-offs | 246.9136% | 1,063 |
| Earnings coverage of net charge-offs (x) | 28.8519% | 1,395 |
| Efficiency ratio | 40.6853% | 6,193 |
| Assets per employee ($millions) | 7.8403% | 565 |
| Cash dividends to net income (ytd only)* | 30.1594% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7654% | 1,446 |
| Loan loss allowance to noncurrent loans | 139.7351% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.6163% | 3,565 |
| Noncurrent loans to loans | 1.2634% | 2,134 |
| Net loans and leases to total assets | 47.9218% | 5,111 |
| Net loans and leases to deposits | 56.3413% | 5,101 |
| Net loans and leases to core deposits | 67.8322% | 4,502 |
| Total domestic deposits to total assets | 85.0561% | 3,099 |
| Equity capital to assets | 12.2138% | 1,864 |
| Core capital (leverage) ratio | 10.5980% | 2,849 |
| Tier 1 risk-based capital ratio | 19.6949% | 1,623 |
| Total risk-based capital ratio | 20.9485% | 1,585 |
| Memoranda: | ||
| Average total assets | $199,443,330 | 2,999 |
| Average earning assets | $191,504,670 | 2,921 |
| Average equity | $23,462,330 | 2,872 |
| Average total loans | $94,285,670 | 3,546 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5223% | 4,903 |
| Cost of funding earning assets | 0.2804% | 4,667 |
| Net interest margin | 3.2419% | 4,447 |
| Noninterest income to average assets | 0.8272% | 1,613 |
| Noninterest expense to average assets | 1.6106% | 6,104 |
| Loan and lease loss provision to assets | 0.1889% | 995 |
| Net operating income to assets | 2.1316% | 264 |
| Return on assets (ROA) | 2.1992% | 245 |
| Pretax return on assets | 2.1992% | 389 |
| Return on Equity (ROE) | 19.0497% | 320 |
| Retained earnings to average equity (ytd only) | 12.1601% | 547 |
| Net charge-offs to loans | 0.2094% | 1,105 |
| Credit loss provision to net charge-offs | 193.8776% | 1,072 |
| Earnings coverage of net charge-offs (x) | 23.8163% | 1,316 |
| Efficiency ratio | 40.9712% | 6,248 |
| Assets per employee ($millions) | 8.1698% | 510 |
| Cash dividends to net income (ytd only)* | 36.1664% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7440% | 1,624 |
| Loan loss allowance to noncurrent loans | 153.4663% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.5156% | 3,959 |
| Noncurrent loans to loans | 1.1364% | 2,499 |
| Net loans and leases to total assets | 44.5751% | 5,302 |
| Net loans and leases to deposits | 50.6701% | 5,414 |
| Net loans and leases to core deposits | 61.0479% | 4,913 |
| Total domestic deposits to total assets | 87.9713% | 1,840 |
| Equity capital to assets | 11.6028% | 2,376 |
| Core capital (leverage) ratio | 10.1881% | 3,358 |
| Tier 1 risk-based capital ratio | 19.1887% | 1,820 |
| Total risk-based capital ratio | 20.4409% | 1,777 |
| Memoranda: | ||
| Average total assets | $201,161,500 | 2,999 |
| Average earning assets | $192,601,500 | 2,921 |
| Average equity | $23,223,500 | 2,914 |
| Average total loans | $93,619,500 | 3,570 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6537% | 4,922 |
| Cost of funding earning assets | 0.2990% | 4,808 |
| Net interest margin | 3.3546% | 4,391 |
| Noninterest income to average assets | 0.7811% | 1,946 |
| Noninterest expense to average assets | 1.7924% | 6,073 |
| Loan and lease loss provision to assets | 0.1267% | 2,068 |
| Net operating income to assets | 2.0670% | 291 |
| Return on assets (ROA) | 2.1727% | 239 |
| Pretax return on assets | 2.1727% | 340 |
| Return on Equity (ROE) | 19.7405% | 270 |
| Retained earnings to average equity (ytd only) | 10.1438% | 490 |
| Net charge-offs to loans | 0.1479% | 2,552 |
| Credit loss provision to net charge-offs | 186.0465% | 1,317 |
| Earnings coverage of net charge-offs (x) | 32.2016% | 1,267 |
| Efficiency ratio | 44.9656% | 6,299 |
| Assets per employee ($millions) | 7.9232% | 547 |
| Cash dividends to net income (ytd only)* | 48.6145% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6600% | 1,896 |
| Loan loss allowance to noncurrent loans | 149.2395% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5311% | 4,028 |
| Noncurrent loans to loans | 1.1123% | 2,610 |
| Net loans and leases to total assets | 46.9565% | 5,254 |
| Net loans and leases to deposits | 53.2907% | 5,383 |
| Net loans and leases to core deposits | 64.5081% | 4,793 |
| Total domestic deposits to total assets | 88.1138% | 1,714 |
| Equity capital to assets | 11.4848% | 2,442 |
| Core capital (leverage) ratio | 10.1926% | 3,318 |
| Tier 1 risk-based capital ratio | 18.3500% | 2,034 |
| Total risk-based capital ratio | 19.6025% | 1,998 |
| Memoranda: | ||
| Average total assets | $189,354,000 | 3,106 |
| Average earning assets | $180,914,600 | 3,028 |
| Average equity | $20,840,400 | 3,068 |
| Average total loans | $87,217,400 | 3,694 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6455% | 5,019 |
| Cost of funding earning assets | 0.3063% | 4,829 |
| Net interest margin | 3.3392% | 4,472 |
| Noninterest income to average assets | 0.8591% | 1,664 |
| Noninterest expense to average assets | 1.7331% | 6,176 |
| Loan and lease loss provision to assets | 0.1175% | 2,102 |
| Net operating income to assets | 2.2004% | 239 |
| Return on assets (ROA) | 2.3429% | 187 |
| Pretax return on assets | 2.3429% | 286 |
| Return on Equity (ROE) | 21.5350% | 206 |
| Retained earnings to average equity (ytd only) | 14.9874% | 208 |
| Net charge-offs to loans | 0.1827% | 1,999 |
| Credit loss provision to net charge-offs | 141.0256% | 1,671 |
| Earnings coverage of net charge-offs (x) | 27.8113% | 1,436 |
| Efficiency ratio | 42.7818% | 6,402 |
| Assets per employee ($millions) | 7.6141% | 605 |
| Cash dividends to net income (ytd only)* | 30.4044% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6900% | 2,002 |
| Loan loss allowance to noncurrent loans | 1,321.0526% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 5,810 |
| Noncurrent loans to loans | 0.1279% | 5,537 |
| Net loans and leases to total assets | 46.0242% | 5,374 |
| Net loans and leases to deposits | 52.9782% | 5,463 |
| Net loans and leases to core deposits | 64.5591% | 4,835 |
| Total domestic deposits to total assets | 86.8738% | 2,384 |
| Equity capital to assets | 11.5281% | 2,455 |
| Core capital (leverage) ratio | 10.5167% | 3,025 |
| Tier 1 risk-based capital ratio | 19.9625% | 1,682 |
| Total risk-based capital ratio | 21.2154% | 1,652 |
| Memoranda: | ||
| Average total assets | $187,172,750 | 3,166 |
| Average earning assets | $178,920,250 | 3,078 |
| Average equity | $20,363,250 | 3,132 |
| Average total loans | $85,376,500 | 3,772 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6510% | 5,006 |
| Cost of funding earning assets | 0.3083% | 4,893 |
| Net interest margin | 3.3427% | 4,431 |
| Noninterest income to average assets | 0.9231% | 1,415 |
| Noninterest expense to average assets | 1.8462% | 6,081 |
| Loan and lease loss provision to assets | 0.0967% | 2,413 |
| Net operating income to assets | 2.1729% | 239 |
| Return on assets (ROA) | 2.3781% | 174 |
| Pretax return on assets | 2.3781% | 264 |
| Return on Equity (ROE) | 22.3126% | 186 |
| Retained earnings to average equity (ytd only) | 15.2548% | 202 |
| Net charge-offs to loans | 0.2044% | 1,802 |
| Credit loss provision to net charge-offs | 104.6512% | 1,912 |
| Earnings coverage of net charge-offs (x) | 24.5581% | 1,428 |
| Efficiency ratio | 44.8564% | 6,394 |
| Assets per employee ($millions) | 7.5223% | 619 |
| Cash dividends to net income (ytd only)* | 31.6313% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7423% | 1,996 |
| Loan loss allowance to noncurrent loans | 488.9632% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 5,680 |
| Noncurrent loans to loans | 0.3563% | 4,928 |
| Net loans and leases to total assets | 43.8434% | 5,544 |
| Net loans and leases to deposits | 50.6300% | 5,588 |
| Net loans and leases to core deposits | 62.5743% | 4,926 |
| Total domestic deposits to total assets | 86.5956% | 2,705 |
| Equity capital to assets | 11.3896% | 2,519 |
| Core capital (leverage) ratio | 10.3272% | 3,170 |
| Tier 1 risk-based capital ratio | 19.8703% | 1,716 |
| Total risk-based capital ratio | 21.1162% | 1,683 |
| Memoranda: | ||
| Average total assets | $186,113,000 | 3,193 |
| Average earning assets | $177,759,330 | 3,107 |
| Average equity | $19,836,330 | 3,188 |
| Average total loans | $84,130,670 | 3,811 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6188% | 5,111 |
| Cost of funding earning assets | 0.3106% | 4,962 |
| Net interest margin | 3.3082% | 4,500 |
| Noninterest income to average assets | 1.0867% | 948 |
| Noninterest expense to average assets | 1.8300% | 6,178 |
| Loan and lease loss provision to assets | 0.0972% | 2,302 |
| Net operating income to assets | 2.3118% | 197 |
| Return on assets (ROA) | 2.5624% | 145 |
| Pretax return on assets | 2.5624% | 205 |
| Return on Equity (ROE) | 24.9094% | 120 |
| Retained earnings to average equity (ytd only) | 16.5083% | 242 |
| Net charge-offs to loans | 0.0380% | 2,853 |
| Credit loss provision to net charge-offs | 562.5000% | 496 |
| Earnings coverage of net charge-offs (x) | 139.3750% | 355 |
| Efficiency ratio | 43.1702% | 6,519 |
| Assets per employee ($millions) | 7.4683% | 642 |
| Cash dividends to net income (ytd only)* | 33.7268% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7984% | 2,048 |
| Loan loss allowance to noncurrent loans | 418.7675% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 5,648 |
| Noncurrent loans to loans | 0.4295% | 4,854 |
| Net loans and leases to total assets | 43.7231% | 5,536 |
| Net loans and leases to deposits | 49.5124% | 5,629 |
| Net loans and leases to core deposits | 60.8519% | 4,969 |
| Total domestic deposits to total assets | 88.3073% | 2,051 |
| Equity capital to assets | 10.5781% | 3,166 |
| Core capital (leverage) ratio | 10.0890% | 3,442 |
| Tier 1 risk-based capital ratio | 19.3261% | 1,875 |
| Total risk-based capital ratio | 20.5788% | 1,846 |
| Memoranda: | ||
| Average total assets | $185,140,500 | 3,231 |
| Average earning assets | $176,412,000 | 3,146 |
| Average equity | $19,045,000 | 3,274 |
| Average total loans | $84,239,500 | 3,838 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8277% | 4,703 |
| Cost of funding earning assets | 0.3205% | 5,420 |
| Net interest margin | 3.5072% | 3,868 |
| Noninterest income to average assets | 0.8449% | 1,884 |
| Noninterest expense to average assets | 1.9692% | 6,077 |
| Loan and lease loss provision to assets | 0.1032% | 3,072 |
| Net operating income to assets | 2.1310% | 275 |
| Return on assets (ROA) | 2.2296% | 237 |
| Pretax return on assets | 2.2296% | 301 |
| Return on Equity (ROE) | 21.4403% | 212 |
| Retained earnings to average equity (ytd only) | 12.6149% | 267 |
| Net charge-offs to loans | -0.0983% | 6,473 |
| Credit loss provision to net charge-offs | -222.2222% | 6,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8477% | 6,527 |
| Assets per employee ($millions) | 7.3430% | 645 |
| Cash dividends to net income (ytd only)* | 41.1629% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 2,373 |
| Loan loss allowance to noncurrent loans | 327.1300% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 5,546 |
| Noncurrent loans to loans | 0.5226% | 4,684 |
| Net loans and leases to total assets | 45.6987% | 5,518 |
| Net loans and leases to deposits | 51.7855% | 5,641 |
| Net loans and leases to core deposits | 62.2910% | 5,034 |
| Total domestic deposits to total assets | 88.2462% | 2,029 |
| Equity capital to assets | 9.9905% | 3,790 |
| Core capital (leverage) ratio | 9.8612% | 3,756 |
| Tier 1 risk-based capital ratio | 18.2674% | 2,163 |
| Total risk-based capital ratio | 19.5197% | 2,120 |
| Memoranda: | ||
| Average total assets | $174,334,200 | 3,342 |
| Average earning assets | $166,941,000 | 3,254 |
| Average equity | $18,129,400 | 3,397 |
| Average total loans | $82,392,200 | 3,871 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8666% | 4,615 |
| Cost of funding earning assets | 0.3219% | 5,533 |
| Net interest margin | 3.5447% | 3,687 |
| Noninterest income to average assets | 0.8905% | 1,791 |
| Noninterest expense to average assets | 1.9090% | 6,171 |
| Loan and lease loss provision to assets | 0.1046% | 3,011 |
| Net operating income to assets | 2.2740% | 227 |
| Return on assets (ROA) | 2.3670% | 211 |
| Pretax return on assets | 2.3670% | 288 |
| Return on Equity (ROE) | 22.5256% | 189 |
| Retained earnings to average equity (ytd only) | 15.1498% | 194 |
| Net charge-offs to loans | -0.2351% | 6,682 |
| Credit loss provision to net charge-offs | -93.7500% | 5,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5228% | 6,638 |
| Assets per employee ($millions) | 6.8171% | 809 |
| Cash dividends to net income (ytd only)* | 32.7439% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7658% | 2,406 |
| Loan loss allowance to noncurrent loans | 503.7543% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 5,944 |
| Noncurrent loans to loans | 0.3505% | 5,332 |
| Net loans and leases to total assets | 46.3265% | 5,513 |
| Net loans and leases to deposits | 53.1804% | 5,615 |
| Net loans and leases to core deposits | 63.9379% | 4,910 |
| Total domestic deposits to total assets | 87.1121% | 2,630 |
| Equity capital to assets | 10.0940% | 3,776 |
| Core capital (leverage) ratio | 10.0253% | 3,646 |
| Tier 1 risk-based capital ratio | 18.3975% | 2,172 |
| Total risk-based capital ratio | 19.6514% | 2,143 |
| Memoranda: | ||
| Average total assets | $172,024,250 | 3,404 |
| Average earning assets | $164,860,000 | 3,308 |
| Average equity | $18,076,750 | 3,445 |
| Average total loans | $81,652,750 | 3,923 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8947% | 4,502 |
| Cost of funding earning assets | 0.3213% | 5,655 |
| Net interest margin | 3.5734% | 3,476 |
| Noninterest income to average assets | 0.6812% | 2,735 |
| Noninterest expense to average assets | 2.0155% | 6,019 |
| Loan and lease loss provision to assets | 0.1057% | 3,024 |
| Net operating income to assets | 1.9826% | 367 |
| Return on assets (ROA) | 2.0894% | 323 |
| Pretax return on assets | 2.0894% | 504 |
| Return on Equity (ROE) | 19.6156% | 336 |
| Retained earnings to average equity (ytd only) | 11.8972% | 514 |
| Net charge-offs to loans | -0.0099% | 5,768 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1128% | 6,476 |
| Assets per employee ($millions) | 6.6020% | 864 |
| Cash dividends to net income (ytd only)* | 39.3479% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5690% | 3,280 |
| Loan loss allowance to noncurrent loans | 75.1455% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 1.0009% | 3,753 |
| Noncurrent loans to loans | 2.0880% | 2,293 |
| Net loans and leases to total assets | 47.1824% | 5,409 |
| Net loans and leases to deposits | 53.0206% | 5,604 |
| Net loans and leases to core deposits | 63.2004% | 4,976 |
| Total domestic deposits to total assets | 88.9888% | 1,639 |
| Equity capital to assets | 10.1262% | 3,757 |
| Core capital (leverage) ratio | 9.6149% | 4,056 |
| Tier 1 risk-based capital ratio | 16.7808% | 2,796 |
| Total risk-based capital ratio | 18.0315% | 2,773 |
| Memoranda: | ||
| Average total assets | $170,284,330 | 3,457 |
| Average earning assets | $163,094,000 | 3,347 |
| Average equity | $18,138,670 | 3,454 |
| Average total loans | $81,008,000 | 3,960 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8135% | 4,785 |
| Cost of funding earning assets | 0.3301% | 5,723 |
| Net interest margin | 3.4834% | 3,772 |
| Noninterest income to average assets | 0.7807% | 2,209 |
| Noninterest expense to average assets | 1.9835% | 6,135 |
| Loan and lease loss provision to assets | 0.1061% | 2,917 |
| Net operating income to assets | 2.0259% | 327 |
| Return on assets (ROA) | 2.0259% | 358 |
| Pretax return on assets | 2.0259% | 568 |
| Return on Equity (ROE) | 18.5559% | 398 |
| Retained earnings to average equity (ytd only) | 9.9152% | 1,130 |
| Net charge-offs to loans | -0.0199% | 5,706 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1948% | 6,603 |
| Assets per employee ($millions) | 6.2949% | 1,076 |
| Cash dividends to net income (ytd only)* | 46.5658% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5197% | 3,739 |
| Loan loss allowance to noncurrent loans | 71.1187% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.0308% | 3,871 |
| Noncurrent loans to loans | 2.1369% | 2,455 |
| Net loans and leases to total assets | 47.5056% | 5,280 |
| Net loans and leases to deposits | 54.0084% | 5,436 |
| Net loans and leases to core deposits | 64.7469% | 4,673 |
| Total domestic deposits to total assets | 87.9597% | 2,342 |
| Equity capital to assets | 10.9612% | 2,997 |
| Core capital (leverage) ratio | 9.3441% | 4,335 |
| Tier 1 risk-based capital ratio | 16.4563% | 3,030 |
| Total risk-based capital ratio | 17.7064% | 2,984 |
| Memoranda: | ||
| Average total assets | $169,600,000 | 3,502 |
| Average earning assets | $162,371,500 | 3,396 |
| Average equity | $18,517,000 | 3,446 |
| Average total loans | $80,371,500 | 4,004 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9122% | 5,539 |
| Cost of funding earning assets | 0.4357% | 5,678 |
| Net interest margin | 3.4765% | 4,598 |
| Noninterest income to average assets | 0.5860% | 3,355 |
| Noninterest expense to average assets | 2.0781% | 6,168 |
| Loan and lease loss provision to assets | 0.1095% | 4,259 |
| Net operating income to assets | 1.7148% | 599 |
| Return on assets (ROA) | 1.9558% | 427 |
| Pretax return on assets | 1.9558% | 662 |
| Return on Equity (ROE) | 18.3180% | 418 |
| Retained earnings to average equity (ytd only) | 9.1989% | 761 |
| Net charge-offs to loans | 0.2378% | 3,512 |
| Credit loss provision to net charge-offs | 101.1236% | 2,996 |
| Earnings coverage of net charge-offs (x) | 16.8427% | 1,547 |
| Efficiency ratio | 47.8403% | 6,718 |
| Assets per employee ($millions) | 6.2680% | 1,128 |
| Cash dividends to net income (ytd only)* | 49.7822% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 3,660 |
| Loan loss allowance to noncurrent loans | 68.5960% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 1.0311% | 3,970 |
| Noncurrent loans to loans | 2.2157% | 2,443 |
| Net loans and leases to total assets | 45.8280% | 5,634 |
| Net loans and leases to deposits | 51.6905% | 5,827 |
| Net loans and leases to core deposits | 62.3762% | 5,115 |
| Total domestic deposits to total assets | 88.6585% | 1,799 |
| Equity capital to assets | 10.8747% | 3,099 |
| Core capital (leverage) ratio | 9.2609% | 4,486 |
| Tier 1 risk-based capital ratio | 17.5406% | 2,443 |
| Total risk-based capital ratio | 18.7922% | 2,412 |
| Memoranda: | ||
| Average total assets | $164,330,400 | 3,544 |
| Average earning assets | $156,766,200 | 3,423 |
| Average equity | $17,545,600 | 3,530 |
| Average total loans | $74,844,400 | 4,183 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9310% | 5,714 |
| Cost of funding earning assets | 0.4611% | 5,717 |
| Net interest margin | 3.4700% | 4,757 |
| Noninterest income to average assets | 0.6139% | 3,195 |
| Noninterest expense to average assets | 2.0673% | 6,228 |
| Loan and lease loss provision to assets | 0.1104% | 4,190 |
| Net operating income to assets | 1.7461% | 634 |
| Return on assets (ROA) | 2.1033% | 367 |
| Pretax return on assets | 2.1033% | 570 |
| Return on Equity (ROE) | 19.7945% | 340 |
| Retained earnings to average equity (ytd only) | 12.1013% | 512 |
| Net charge-offs to loans | 0.0108% | 5,560 |
| Credit loss provision to net charge-offs | 2,250.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 378.4900% | 119 |
| Efficiency ratio | 45.4583% | 6,846 |
| Assets per employee ($millions) | 6.2873% | 1,074 |
| Cash dividends to net income (ytd only)* | 38.8651% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7372% | 3,007 |
| Loan loss allowance to noncurrent loans | 75.6139% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 1.0711% | 4,148 |
| Noncurrent loans to loans | 2.2974% | 2,512 |
| Net loans and leases to total assets | 45.8139% | 5,781 |
| Net loans and leases to deposits | 52.3219% | 5,953 |
| Net loans and leases to core deposits | 62.6355% | 5,299 |
| Total domestic deposits to total assets | 87.5616% | 2,311 |
| Equity capital to assets | 11.4027% | 2,848 |
| Core capital (leverage) ratio | 9.2451% | 4,684 |
| Tier 1 risk-based capital ratio | 18.2839% | 2,239 |
| Total risk-based capital ratio | 19.5380% | 2,213 |
| Memoranda: | ||
| Average total assets | $163,103,750 | 3,601 |
| Average earning assets | $155,579,250 | 3,494 |
| Average equity | $17,331,000 | 3,595 |
| Average total loans | $73,866,750 | 4,261 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9066% | 5,895 |
| Cost of funding earning assets | 0.4769% | 5,782 |
| Net interest margin | 3.4297% | 4,972 |
| Noninterest income to average assets | 0.6332% | 3,053 |
| Noninterest expense to average assets | 1.9769% | 6,483 |
| Loan and lease loss provision to assets | 0.1104% | 4,145 |
| Net operating income to assets | 1.8112% | 550 |
| Return on assets (ROA) | 1.9843% | 459 |
| Pretax return on assets | 1.9843% | 711 |
| Return on Equity (ROE) | 19.1421% | 405 |
| Retained earnings to average equity (ytd only) | 10.8555% | 771 |
| Net charge-offs to loans | -0.0219% | 6,447 |
| Credit loss provision to net charge-offs | -1,125.0000% | 6,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7082% | 6,595 |
| Assets per employee ($millions) | 6.4794% | 969 |
| Cash dividends to net income (ytd only)* | 43.2900% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6987% | 3,231 |
| Loan loss allowance to noncurrent loans | 66.0031% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.1629% | 4,068 |
| Noncurrent loans to loans | 2.5737% | 2,339 |
| Net loans and leases to total assets | 44.4154% | 5,976 |
| Net loans and leases to deposits | 51.4000% | 6,069 |
| Net loans and leases to core deposits | 61.3986% | 5,446 |
| Total domestic deposits to total assets | 86.4113% | 3,135 |
| Equity capital to assets | 10.4242% | 3,776 |
| Core capital (leverage) ratio | 8.8663% | 5,098 |
| Tier 1 risk-based capital ratio | 16.1640% | 3,086 |
| Total risk-based capital ratio | 17.4162% | 3,046 |
| Memoranda: | ||
| Average total assets | $162,981,670 | 3,615 |
| Average earning assets | $155,175,000 | 3,512 |
| Average equity | $16,894,670 | 3,656 |
| Average total loans | $73,083,670 | 4,312 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 6,187 |
| Cost of funding earning assets | 0.4938% | 5,856 |
| Net interest margin | 3.3357% | 5,345 |
| Noninterest income to average assets | 0.7988% | 2,177 |
| Noninterest expense to average assets | 2.0270% | 6,416 |
| Loan and lease loss provision to assets | 0.1123% | 3,954 |
| Net operating income to assets | 1.8297% | 566 |
| Return on assets (ROA) | 1.9421% | 535 |
| Pretax return on assets | 1.9421% | 817 |
| Return on Equity (ROE) | 18.7906% | 474 |
| Retained earnings to average equity (ytd only) | 9.1296% | 1,540 |
| Net charge-offs to loans | 0.0391% | 4,147 |
| Credit loss provision to net charge-offs | 642.8571% | 533 |
| Earnings coverage of net charge-offs (x) | 111.1429% | 316 |
| Efficiency ratio | 51.0692% | 6,608 |
| Assets per employee ($millions) | 6.3592% | 1,054 |
| Cash dividends to net income (ytd only)* | 51.4139% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7040% | 3,335 |
| Loan loss allowance to noncurrent loans | 875.1773% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 6,630 |
| Noncurrent loans to loans | 0.1947% | 6,294 |
| Net loans and leases to total assets | 43.0536% | 6,098 |
| Net loans and leases to deposits | 48.2352% | 6,277 |
| Net loans and leases to core deposits | 56.1109% | 5,898 |
| Total domestic deposits to total assets | 89.2578% | 1,512 |
| Equity capital to assets | 10.2021% | 3,846 |
| Core capital (leverage) ratio | 8.8076% | 5,120 |
| Tier 1 risk-based capital ratio | 15.9090% | 3,218 |
| Total risk-based capital ratio | 17.1611% | 3,188 |
| Memoranda: | ||
| Average total assets | $160,240,500 | 3,683 |
| Average earning assets | $152,290,000 | 3,575 |
| Average equity | $16,561,500 | 3,722 |
| Average total loans | $71,567,000 | 4,395 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4162% | 5,358 |
| Cost of funding earning assets | 0.5830% | 6,168 |
| Net interest margin | 3.8332% | 3,657 |
| Noninterest income to average assets | 0.5542% | 3,481 |
| Noninterest expense to average assets | 2.2025% | 6,264 |
| Loan and lease loss provision to assets | 0.1232% | 5,067 |
| Net operating income to assets | 1.8768% | 398 |
| Return on assets (ROA) | 2.1443% | 264 |
| Pretax return on assets | 2.1443% | 410 |
| Return on Equity (ROE) | 20.2672% | 255 |
| Retained earnings to average equity (ytd only) | 7.3334% | 1,349 |
| Net charge-offs to loans | 0.0954% | 5,393 |
| Credit loss provision to net charge-offs | 276.9231% | 861 |
| Earnings coverage of net charge-offs (x) | 44.9692% | 608 |
| Efficiency ratio | 52.4096% | 6,672 |
| Assets per employee ($millions) | 5.9670% | 1,249 |
| Cash dividends to net income (ytd only)* | 63.8162% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6899% | 3,239 |
| Loan loss allowance to noncurrent loans | 213.7746% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.3603% | 6,079 |
| Noncurrent loans to loans | 0.7905% | 5,101 |
| Net loans and leases to total assets | 44.8109% | 6,136 |
| Net loans and leases to deposits | 51.5987% | 6,246 |
| Net loans and leases to core deposits | 59.8076% | 5,865 |
| Total domestic deposits to total assets | 86.8450% | 2,851 |
| Equity capital to assets | 10.4774% | 3,560 |
| Core capital (leverage) ratio | 8.9175% | 4,904 |
| Tier 1 risk-based capital ratio | 16.0497% | 3,019 |
| Total risk-based capital ratio | 17.3017% | 2,974 |
| Memoranda: | ||
| Average total assets | $146,154,800 | 3,872 |
| Average earning assets | $139,100,600 | 3,764 |
| Average equity | $15,463,400 | 3,825 |
| Average total loans | $68,104,600 | 4,554 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5473% | 5,096 |
| Cost of funding earning assets | 0.6013% | 6,281 |
| Net interest margin | 3.9460% | 3,168 |
| Noninterest income to average assets | 0.6041% | 3,142 |
| Noninterest expense to average assets | 2.1578% | 6,377 |
| Loan and lease loss provision to assets | 0.1251% | 4,864 |
| Net operating income to assets | 2.0726% | 306 |
| Return on assets (ROA) | 2.3904% | 192 |
| Pretax return on assets | 2.3904% | 305 |
| Return on Equity (ROE) | 22.5339% | 199 |
| Retained earnings to average equity (ytd only) | 13.7998% | 304 |
| Net charge-offs to loans | 0.0613% | 5,356 |
| Credit loss provision to net charge-offs | 435.4839% | 642 |
| Earnings coverage of net charge-offs (x) | 76.5204% | 453 |
| Efficiency ratio | 49.5427% | 6,854 |
| Assets per employee ($millions) | 6.0448% | 1,177 |
| Cash dividends to net income (ytd only)* | 38.7597% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7373% | 3,142 |
| Loan loss allowance to noncurrent loans | 479.3522% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1807% | 6,602 |
| Noncurrent loans to loans | 0.3624% | 6,127 |
| Net loans and leases to total assets | 44.3145% | 6,305 |
| Net loans and leases to deposits | 51.8939% | 6,374 |
| Net loans and leases to core deposits | 58.9948% | 6,058 |
| Total domestic deposits to total assets | 85.3944% | 3,558 |
| Equity capital to assets | 11.0052% | 3,139 |
| Core capital (leverage) ratio | 9.5667% | 4,044 |
| Tier 1 risk-based capital ratio | 16.8926% | 2,679 |
| Total risk-based capital ratio | 18.1446% | 2,650 |
| Memoranda: | ||
| Average total assets | $143,907,750 | 3,926 |
| Average earning assets | $136,810,750 | 3,822 |
| Average equity | $15,265,500 | 3,869 |
| Average total loans | $67,451,750 | 4,614 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6701% | 4,659 |
| Cost of funding earning assets | 0.6312% | 6,312 |
| Net interest margin | 4.0389% | 2,652 |
| Noninterest income to average assets | 0.7237% | 2,414 |
| Noninterest expense to average assets | 2.2275% | 6,308 |
| Loan and lease loss provision to assets | 0.1272% | 4,701 |
| Net operating income to assets | 2.2035% | 262 |
| Return on assets (ROA) | 2.3632% | 211 |
| Pretax return on assets | 2.3632% | 305 |
| Return on Equity (ROE) | 22.5788% | 212 |
| Retained earnings to average equity (ytd only) | 13.1260% | 380 |
| Net charge-offs to loans | 0.0893% | 4,769 |
| Credit loss provision to net charge-offs | 300.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 54.9667% | 576 |
| Efficiency ratio | 48.8682% | 7,014 |
| Assets per employee ($millions) | 5.6576% | 1,433 |
| Cash dividends to net income (ytd only)* | 41.8660% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7065% | 3,301 |
| Loan loss allowance to noncurrent loans | 600.0000% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 6,751 |
| Noncurrent loans to loans | 0.2844% | 6,351 |
| Net loans and leases to total assets | 46.4250% | 6,222 |
| Net loans and leases to deposits | 52.6745% | 6,422 |
| Net loans and leases to core deposits | 59.8392% | 6,099 |
| Total domestic deposits to total assets | 88.1357% | 2,050 |
| Equity capital to assets | 11.2266% | 2,743 |
| Core capital (leverage) ratio | 9.3524% | 4,170 |
| Tier 1 risk-based capital ratio | 17.2496% | 2,428 |
| Total risk-based capital ratio | 18.5023% | 2,400 |
| Memoranda: | ||
| Average total assets | $141,503,670 | 4,004 |
| Average earning assets | $134,344,000 | 3,898 |
| Average equity | $14,810,330 | 3,942 |
| Average total loans | $67,218,330 | 4,667 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5796% | 5,031 |
| Cost of funding earning assets | 0.6798% | 6,250 |
| Net interest margin | 3.8998% | 3,141 |
| Noninterest income to average assets | 0.7122% | 2,502 |
| Noninterest expense to average assets | 2.0885% | 6,662 |
| Loan and lease loss provision to assets | 0.1272% | 4,405 |
| Net operating income to assets | 2.1931% | 265 |
| Return on assets (ROA) | 2.3485% | 222 |
| Pretax return on assets | 2.3485% | 316 |
| Return on Equity (ROE) | 23.2838% | 203 |
| Retained earnings to average equity (ytd only) | 12.0762% | 728 |
| Net charge-offs to loans | -0.1305% | 7,160 |
| Credit loss provision to net charge-offs | -204.5455% | 5,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3718% | 7,139 |
| Assets per employee ($millions) | 5.8951% | 1,272 |
| Cash dividends to net income (ytd only)* | 48.1348% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6780% | 3,418 |
| Loan loss allowance to noncurrent loans | 910.3175% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 6,938 |
| Noncurrent loans to loans | 0.1843% | 6,598 |
| Net loans and leases to total assets | 47.5022% | 6,136 |
| Net loans and leases to deposits | 53.8634% | 6,298 |
| Net loans and leases to core deposits | 64.0402% | 5,720 |
| Total domestic deposits to total assets | 88.1900% | 2,269 |
| Equity capital to assets | 10.4635% | 3,219 |
| Core capital (leverage) ratio | 8.8787% | 4,809 |
| Tier 1 risk-based capital ratio | 15.3230% | 3,250 |
| Total risk-based capital ratio | 16.5749% | 3,208 |
| Memoranda: | ||
| Average total assets | $141,535,000 | 4,035 |
| Average earning assets | $134,159,500 | 3,932 |
| Average equity | $14,276,000 | 4,058 |
| Average total loans | $67,425,500 | 4,707 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6610% | 5,919 |
| Cost of funding earning assets | 0.9424% | 5,970 |
| Net interest margin | 3.7186% | 4,277 |
| Noninterest income to average assets | 0.6460% | 3,179 |
| Noninterest expense to average assets | 2.3141% | 6,315 |
| Loan and lease loss provision to assets | 0.1357% | 5,813 |
| Net operating income to assets | 1.7118% | 503 |
| Return on assets (ROA) | 1.8400% | 411 |
| Pretax return on assets | 1.8400% | 701 |
| Return on Equity (ROE) | 17.4469% | 435 |
| Retained earnings to average equity (ytd only) | 6.0110% | 1,804 |
| Net charge-offs to loans | 0.1013% | 5,852 |
| Credit loss provision to net charge-offs | 285.7143% | 949 |
| Earnings coverage of net charge-offs (x) | 38.9048% | 599 |
| Efficiency ratio | 55.6059% | 6,642 |
| Assets per employee ($millions) | 5.8995% | 1,283 |
| Cash dividends to net income (ytd only)* | 65.5469% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6241% | 3,489 |
| Loan loss allowance to noncurrent loans | 705.8824% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 6,828 |
| Noncurrent loans to loans | 0.2301% | 6,602 |
| Net loans and leases to total assets | 46.2024% | 6,541 |
| Net loans and leases to deposits | 51.8204% | 6,755 |
| Net loans and leases to core deposits | 62.0249% | 6,237 |
| Total domestic deposits to total assets | 89.1587% | 1,560 |
| Equity capital to assets | 9.7099% | 4,112 |
| Core capital (leverage) ratio | 8.6100% | 5,181 |
| Tier 1 risk-based capital ratio | 14.8732% | 3,319 |
| Total risk-based capital ratio | 16.1238% | 3,279 |
| Memoranda: | ||
| Average total assets | $132,663,800 | 4,207 |
| Average earning assets | $125,424,000 | 4,117 |
| Average equity | $13,991,000 | 4,146 |
| Average total loans | $62,174,400 | 4,985 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7305% | 5,913 |
| Cost of funding earning assets | 0.9957% | 5,958 |
| Net interest margin | 3.7348% | 4,249 |
| Noninterest income to average assets | 0.7043% | 2,796 |
| Noninterest expense to average assets | 2.3061% | 6,307 |
| Loan and lease loss provision to assets | 0.1380% | 5,651 |
| Net operating income to assets | 1.7878% | 525 |
| Return on assets (ROA) | 1.9310% | 418 |
| Pretax return on assets | 1.9310% | 726 |
| Return on Equity (ROE) | 17.9237% | 487 |
| Retained earnings to average equity (ytd only) | 8.4352% | 1,264 |
| Net charge-offs to loans | 0.0218% | 6,367 |
| Credit loss provision to net charge-offs | 1,350.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 188.4426% | 172 |
| Efficiency ratio | 54.4928% | 6,743 |
| Assets per employee ($millions) | 5.7167% | 1,448 |
| Cash dividends to net income (ytd only)* | 52.9381% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6980% | 3,158 |
| Loan loss allowance to noncurrent loans | 528.1553% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 6,587 |
| Noncurrent loans to loans | 0.3215% | 6,550 |
| Net loans and leases to total assets | 45.9100% | 6,703 |
| Net loans and leases to deposits | 52.4786% | 6,865 |
| Net loans and leases to core deposits | 62.7330% | 6,396 |
| Total domestic deposits to total assets | 87.4833% | 2,270 |
| Equity capital to assets | 11.0138% | 2,949 |
| Core capital (leverage) ratio | 8.7569% | 5,092 |
| Tier 1 risk-based capital ratio | 15.1857% | 3,164 |
| Total risk-based capital ratio | 16.4377% | 3,134 |
| Memoranda: | ||
| Average total assets | $130,432,750 | 4,320 |
| Average earning assets | $123,198,250 | 4,219 |
| Average equity | $14,051,750 | 4,188 |
| Average total loans | $61,093,750 | 5,098 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7426% | 6,004 |
| Cost of funding earning assets | 1.0570% | 5,889 |
| Net interest margin | 3.6855% | 4,426 |
| Noninterest income to average assets | 0.4853% | 4,233 |
| Noninterest expense to average assets | 2.2890% | 6,384 |
| Loan and lease loss provision to assets | 0.1404% | 5,490 |
| Net operating income to assets | 1.5323% | 845 |
| Return on assets (ROA) | 1.7148% | 628 |
| Pretax return on assets | 1.7148% | 1,033 |
| Return on Equity (ROE) | 16.0454% | 693 |
| Retained earnings to average equity (ytd only) | 5.8254% | 2,433 |
| Net charge-offs to loans | 0.0033% | 6,333 |
| Credit loss provision to net charge-offs | 9,000.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 1,072.0000% | 22 |
| Efficiency ratio | 57.7787% | 6,403 |
| Assets per employee ($millions) | 5.7348% | 1,421 |
| Cash dividends to net income (ytd only)* | 63.6943% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6991% | 3,085 |
| Loan loss allowance to noncurrent loans | 790.9774% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 6,673 |
| Noncurrent loans to loans | 0.2148% | 6,818 |
| Net loans and leases to total assets | 44.2202% | 6,902 |
| Net loans and leases to deposits | 50.1545% | 7,061 |
| Net loans and leases to core deposits | 60.0081% | 6,716 |
| Total domestic deposits to total assets | 88.1679% | 1,910 |
| Equity capital to assets | 10.2279% | 3,732 |
| Core capital (leverage) ratio | 8.4802% | 5,445 |
| Tier 1 risk-based capital ratio | 14.8300% | 3,247 |
| Total risk-based capital ratio | 16.0814% | 3,223 |
| Memoranda: | ||
| Average total assets | $128,176,670 | 4,398 |
| Average earning assets | $120,904,670 | 4,290 |
| Average equity | $13,698,670 | 4,269 |
| Average total loans | $60,099,330 | 5,170 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7485% | 6,081 |
| Cost of funding earning assets | 1.1433% | 5,685 |
| Net interest margin | 3.6051% | 4,704 |
| Noninterest income to average assets | 0.4634% | 4,350 |
| Noninterest expense to average assets | 2.3978% | 6,098 |
| Loan and lease loss provision to assets | 0.1458% | 5,090 |
| Net operating income to assets | 1.3220% | 1,247 |
| Return on assets (ROA) | 1.5683% | 852 |
| Pretax return on assets | 1.5683% | 1,344 |
| Return on Equity (ROE) | 14.3307% | 988 |
| Retained earnings to average equity (ytd only) | 2.4871% | 4,645 |
| Net charge-offs to loans | 0.0811% | 4,607 |
| Credit loss provision to net charge-offs | 375.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 37.7500% | 728 |
| Efficiency ratio | 62.0285% | 5,828 |
| Assets per employee ($millions) | 5.6155% | 1,569 |
| Cash dividends to net income (ytd only)* | 82.6446% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6642% | 3,197 |
| Loan loss allowance to noncurrent loans | 560.1124% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.3421% | 6,623 |
| Noncurrent loans to loans | 0.2971% | 6,728 |
| Net loans and leases to total assets | 43.7116% | 7,016 |
| Net loans and leases to deposits | 48.9583% | 7,186 |
| Net loans and leases to core deposits | 59.1589% | 6,807 |
| Total domestic deposits to total assets | 89.2834% | 1,376 |
| Equity capital to assets | 10.0444% | 3,807 |
| Core capital (leverage) ratio | 8.9827% | 4,599 |
| Tier 1 risk-based capital ratio | 14.8509% | 3,182 |
| Total risk-based capital ratio | 16.0954% | 3,145 |
| Memoranda: | ||
| Average total assets | $123,448,000 | 4,553 |
| Average earning assets | $116,500,500 | 4,456 |
| Average equity | $13,509,500 | 4,354 |
| Average total loans | $59,192,000 | 5,282 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5003% | 4,141 |
| Cost of funding earning assets | 1.4446% | 5,742 |
| Net interest margin | 4.0557% | 2,623 |
| Noninterest income to average assets | 0.5018% | 4,389 |
| Noninterest expense to average assets | 2.2151% | 6,955 |
| Loan and lease loss provision to assets | 0.1621% | 6,065 |
| Net operating income to assets | 1.9405% | 260 |
| Return on assets (ROA) | 2.0809% | 207 |
| Pretax return on assets | 2.1196% | 327 |
| Return on Equity (ROE) | 17.9164% | 374 |
| Retained earnings to average equity (ytd only) | 5.5068% | 1,572 |
| Net charge-offs to loans | 0.1996% | 5,398 |
| Credit loss provision to net charge-offs | 155.1724% | 2,930 |
| Earnings coverage of net charge-offs (x) | 20.4655% | 1,038 |
| Efficiency ratio | 50.8794% | 7,481 |
| Assets per employee ($millions) | 5.3392% | 1,798 |
| Cash dividends to net income (ytd only)* | 69.2641% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6468% | 3,102 |
| Loan loss allowance to noncurrent loans | 724.0602% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.3710% | 6,523 |
| Noncurrent loans to loans | 0.2274% | 6,864 |
| Net loans and leases to total assets | 51.2941% | 6,500 |
| Net loans and leases to deposits | 58.8086% | 6,720 |
| Net loans and leases to core deposits | 87.2387% | 5,409 |
| Total domestic deposits to total assets | 87.2222% | 2,377 |
| Equity capital to assets | 12.0242% | 2,025 |
| Core capital (leverage) ratio | 10.7083% | 2,422 |
| Tier 1 risk-based capital ratio | 17.4323% | 2,044 |
| Total risk-based capital ratio | 18.6849% | 2,002 |
| Memoranda: | ||
| Average total assets | $111,009,600 | 4,793 |
| Average earning assets | $105,430,600 | 4,695 |
| Average equity | $12,893,200 | 4,536 |
| Average total loans | $58,113,000 | 5,334 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5529% | 4,136 |
| Cost of funding earning assets | 1.5108% | 5,774 |
| Net interest margin | 4.0422% | 2,627 |
| Noninterest income to average assets | 0.4877% | 4,601 |
| Noninterest expense to average assets | 2.1288% | 7,136 |
| Loan and lease loss provision to assets | 0.1626% | 5,727 |
| Net operating income to assets | 2.0397% | 269 |
| Return on assets (ROA) | 2.1999% | 199 |
| Pretax return on assets | 2.1999% | 352 |
| Return on Equity (ROE) | 19.1114% | 357 |
| Retained earnings to average equity (ytd only) | 8.6509% | 931 |
| Net charge-offs to loans | 0.0574% | 6,130 |
| Credit loss provision to net charge-offs | 540.0000% | 726 |
| Earnings coverage of net charge-offs (x) | 73.1656% | 459 |
| Efficiency ratio | 49.1521% | 7,613 |
| Assets per employee ($millions) | 5.5415% | 1,575 |
| Cash dividends to net income (ytd only)* | 54.7345% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7505% | 2,443 |
| Loan loss allowance to noncurrent loans | 418.6722% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 6,514 |
| Noncurrent loans to loans | 0.4181% | 6,500 |
| Net loans and leases to total assets | 51.0976% | 6,694 |
| Net loans and leases to deposits | 60.8308% | 6,764 |
| Net loans and leases to core deposits | 92.6933% | 5,166 |
| Total domestic deposits to total assets | 83.9997% | 3,722 |
| Equity capital to assets | 12.4101% | 2,000 |
| Core capital (leverage) ratio | 10.8187% | 2,550 |
| Tier 1 risk-based capital ratio | 17.9109% | 2,014 |
| Total risk-based capital ratio | 19.1633% | 1,964 |
| Memoranda: | ||
| Average total assets | $110,731,000 | 4,838 |
| Average earning assets | $105,286,750 | 4,729 |
| Average equity | $12,746,000 | 4,597 |
| Average total loans | $58,022,250 | 5,381 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5632% | 4,264 |
| Cost of funding earning assets | 1.5737% | 5,826 |
| Net interest margin | 3.9895% | 2,741 |
| Noninterest income to average assets | 0.4950% | 4,490 |
| Noninterest expense to average assets | 2.2638% | 6,872 |
| Loan and lease loss provision to assets | 0.1626% | 5,439 |
| Net operating income to assets | 1.8609% | 403 |
| Return on assets (ROA) | 2.0958% | 264 |
| Pretax return on assets | 2.0958% | 439 |
| Return on Equity (ROE) | 18.6946% | 432 |
| Retained earnings to average equity (ytd only) | 7.4134% | 1,430 |
| Net charge-offs to loans | 0.1066% | 5,095 |
| Credit loss provision to net charge-offs | 290.3226% | 1,607 |
| Earnings coverage of net charge-offs (x) | 36.1290% | 879 |
| Efficiency ratio | 52.8024% | 7,453 |
| Assets per employee ($millions) | 5.5751% | 1,520 |
| Cash dividends to net income (ytd only)* | 60.3448% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6334% | 2,605 |
| Loan loss allowance to noncurrent loans | 214.7982% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 6,460 |
| Noncurrent loans to loans | 0.7605% | 5,720 |
| Net loans and leases to total assets | 51.7403% | 6,717 |
| Net loans and leases to deposits | 60.7197% | 6,839 |
| Net loans and leases to core deposits | 92.5603% | 5,287 |
| Total domestic deposits to total assets | 85.2118% | 3,158 |
| Equity capital to assets | 11.1972% | 2,755 |
| Core capital (leverage) ratio | 10.4212% | 2,883 |
| Tier 1 risk-based capital ratio | 17.2722% | 2,221 |
| Total risk-based capital ratio | 18.4206% | 2,184 |
| Memoranda: | ||
| Average total assets | $110,698,330 | 4,867 |
| Average earning assets | $105,227,000 | 4,750 |
| Average equity | $12,410,000 | 4,707 |
| Average total loans | $58,149,670 | 5,415 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4917% | 4,958 |
| Cost of funding earning assets | 1.6139% | 5,969 |
| Net interest margin | 3.8779% | 3,144 |
| Noninterest income to average assets | 0.4352% | 4,917 |
| Noninterest expense to average assets | 2.1759% | 6,931 |
| Loan and lease loss provision to assets | 0.1632% | 4,846 |
| Net operating income to assets | 1.7734% | 558 |
| Return on assets (ROA) | 1.8423% | 543 |
| Pretax return on assets | 1.8423% | 906 |
| Return on Equity (ROE) | 16.4235% | 763 |
| Retained earnings to average equity (ytd only) | 3.4916% | 3,956 |
| Net charge-offs to loans | -0.0345% | 7,592 |
| Credit loss provision to net charge-offs | -900.0000% | 6,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9101% | 7,329 |
| Assets per employee ($millions) | 5.5816% | 1,495 |
| Cash dividends to net income (ytd only)* | 78.7402% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6420% | 2,344 |
| Loan loss allowance to noncurrent loans | 279.1176% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 6,609 |
| Noncurrent loans to loans | 0.5883% | 5,925 |
| Net loans and leases to total assets | 50.9236% | 6,773 |
| Net loans and leases to deposits | 57.9368% | 7,043 |
| Net loans and leases to core deposits | 85.2445% | 5,965 |
| Total domestic deposits to total assets | 87.8950% | 1,793 |
| Equity capital to assets | 11.2504% | 2,765 |
| Core capital (leverage) ratio | 10.2740% | 3,135 |
| Tier 1 risk-based capital ratio | 16.9866% | 2,343 |
| Total risk-based capital ratio | 18.2392% | 2,275 |
| Memoranda: | ||
| Average total assets | $110,297,000 | 4,895 |
| Average earning assets | $104,594,000 | 4,786 |
| Average equity | $12,372,500 | 4,731 |
| Average total loans | $57,900,000 | 5,458 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1372% | 4,850 |
| Cost of funding earning assets | 1.9989% | 6,422 |
| Net interest margin | 4.1383% | 2,547 |
| Noninterest income to average assets | 0.5364% | 4,345 |
| Noninterest expense to average assets | 2.1655% | 7,071 |
| Loan and lease loss provision to assets | 0.0597% | 6,663 |
| Net operating income to assets | 1.8766% | 459 |
| Return on assets (ROA) | 1.8749% | 444 |
| Pretax return on assets | 2.2073% | 392 |
| Return on Equity (ROE) | 16.5629% | 691 |
| Retained earnings to average equity (ytd only) | 2.4967% | 3,642 |
| Net charge-offs to loans | 0.2308% | 3,931 |
| Credit loss provision to net charge-offs | 45.1128% | 6,402 |
| Earnings coverage of net charge-offs (x) | 17.1429% | 1,795 |
| Efficiency ratio | 48.8330% | 7,746 |
| Assets per employee ($millions) | 5.4481% | 1,498 |
| Cash dividends to net income (ytd only)* | 84.9257% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 2,448 |
| Loan loss allowance to noncurrent loans | 262.0991% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 6,349 |
| Noncurrent loans to loans | 0.5913% | 5,606 |
| Net loans and leases to total assets | 52.4082% | 6,810 |
| Net loans and leases to deposits | 59.5365% | 7,126 |
| Net loans and leases to core deposits | 87.8876% | 5,988 |
| Total domestic deposits to total assets | 88.0270% | 1,464 |
| Equity capital to assets | 11.1837% | 2,890 |
| Core capital (leverage) ratio | 10.4541% | 3,016 |
| Tier 1 risk-based capital ratio | 16.9981% | 2,310 |
| Total risk-based capital ratio | 18.2494% | 2,262 |
| Memoranda: | ||
| Average total assets | $100,486,600 | 5,031 |
| Average earning assets | $94,652,800 | 4,957 |
| Average equity | $11,374,800 | 5,012 |
| Average total loans | $57,632,000 | 5,376 |